The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102   551,705 32,879 SH   SOLE   0 0 32,879
ABBOTT LABS COM 002824100   502,475 4,565 SH   SOLE   0 0 4,565
ABBVIE INC COM 00287Y109   723,606 4,669 SH   SOLE   0 0 4,669
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100   140,405 17,420 SH   SOLE   0 0 17,420
ADOBE INC COM 00724F101   216,566 363 SH   SOLE   0 0 363
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   263,387 8,488 SH   SOLE   0 0 8,488
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   598,563 28,483 SH   SOLE   0 0 28,483
ALPHABET INC CAP STK CL C 02079K107   1,291,060 9,161 SH   SOLE   600 0 8,561
ALPHABET INC CAP STK CL A 02079K305   645,507 4,621 SH   SOLE   0 0 4,621
ALTRIA GROUP INC COM 02209S103   279,634 6,932 SH   SOLE   0 0 6,932
AMAZON COM INC COM 023135106   2,739,948 18,033 SH   SOLE   0 0 18,033
AMERICAN CENTY ETF TR AVANTIS ALL EQT 025072232   754,001 11,643 SH   SOLE   0 0 11,643
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   338,474 5,860 SH   SOLE   0 0 5,860
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,263,965 22,415 SH   SOLE   0 0 22,415
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   7,904,143 130,798 SH   SOLE   410 0 130,388
AMERICAN CENTY ETF TR US SML CP VALU 025072877   5,829,715 64,919 SH   SOLE   309 0 64,610
AMERICAN CENTY ETF TR US EQT ETF 025072885   17,506,501 214,672 SH   SOLE   5,262 0 209,410
AMERICAN EXPRESS CO COM 025816109   219,398 1,171 SH   SOLE   355 0 816
ANALOG DEVICES INC COM 032654105   210,076 1,058 SH   SOLE   0 0 1,058
APPLE INC COM 037833100   8,927,761 46,371 SH   SOLE   679 0 45,692
APPLIED MATLS INC COM 038222105   582,804 3,596 SH   SOLE   0 0 3,596
ARAMARK COM 03852U106   362,866 12,913 SH   SOLE   0 0 12,913
BANK NEW YORK MELLON CORP COM 064058100   233,236 4,481 SH   SOLE   0 0 4,481
BECTON DICKINSON & CO COM 075887109   375,631 1,541 SH   SOLE   0 0 1,541
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,977,041 8,347 SH   SOLE   729 0 7,618
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   197,872 17,342 SH   SOLE   0 0 17,342
BLACKSTONE INC COM 09260D107   778,447 5,946 SH   SOLE   0 0 5,946
BOEING CO COM 097023105   655,299 2,514 SH   SOLE   0 0 2,514
BRISTOL-MYERS SQUIBB CO COM 110122108   710,894 13,855 SH   SOLE   0 0 13,855
BROADCOM INC COM 11135F101   300,157 269 SH   SOLE   0 0 269
CHEVRON CORP NEW COM 166764100   509,687 3,417 SH   SOLE   0 0 3,417
CISCO SYS INC COM 17275R102   294,738 5,834 SH   SOLE   0 0 5,834
CONOCOPHILLIPS COM 20825C104   231,884 1,998 SH   SOLE   0 0 1,998
CONSOLIDATED EDISON INC COM 209115104   219,965 2,418 SH   SOLE   0 0 2,418
COSTCO WHSL CORP NEW COM 22160K105   308,554 467 SH   SOLE   0 0 467
COUPANG INC CL A 22266T109   968,659 59,831 SH   SOLE   0 0 59,831
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   8,552,915 257,231 SH   SOLE   0 0 257,231
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   11,216,068 391,622 SH   SOLE   9,588 0 382,034
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   4,263,359 176,830 SH   SOLE   2,408 0 174,421
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   40,867,314 788,488 SH   SOLE   13,483 0 775,005
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   17,569,502 294,691 SH   SOLE   7,751 0 286,941
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   36,978,656 706,644 SH   SOLE   16,603 0 690,040
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   218,022 4,077 SH   SOLE   0 0 4,077
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   3,579,932 132,345 SH   SOLE   0 0 132,345
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   59,568,531 2,037,924 SH   SOLE   11,233 0 2,026,691
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   28,911,960 776,786 SH   SOLE   21,631 0 755,154
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   444,416 18,328 SH   SOLE   0 0 18,328
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   14,205,399 553,601 SH   SOLE   11,246 0 542,355
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   880,216 36,418 SH   SOLE   0 0 36,418
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   252,409 9,789 SH   SOLE   0 0 9,789
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   473,735 18,556 SH   SOLE   0 0 18,556
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   7,088,169 206,291 SH   SOLE   0 0 206,291
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   3,984,685 175,228 SH   SOLE   0 0 175,228
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   18,478,040 645,859 SH   SOLE   4,916 0 640,943
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,018,661 20,999 SH   SOLE   0 0 20,999
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   11,123,131 236,612 SH   SOLE   0 0 236,612
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   22,001,885 518,912 SH   SOLE   0 0 518,912
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,876,354 76,837 SH   SOLE   0 0 76,837
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   499,799 5,905 SH   SOLE   0 0 5,905
DISNEY WALT CO COM 254687106   717,800 7,950 SH   SOLE   244 0 7,706
ETF SER SOLUTIONS US GLB JETS 26922A842   632,936 33,260 SH   SOLE   0 0 33,260
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   100,243 10,208 SH   SOLE   0 0 10,208
EATON VANCE TAX-MANAGED GLOB COM 27829F108   86,016 11,142 SH   SOLE   0 0 11,142
EXXON MOBIL CORP COM 30231G102   1,400,508 14,008 SH   SOLE   0 0 14,008
META PLATFORMS INC CL A 30303M102   1,122,053 3,170 SH   SOLE   0 0 3,170
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816   595,085 11,245 SH   SOLE   0 0 11,245
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404   660,539 24,926 SH   SOLE   0 0 24,926
FISERV INC COM 337738108   305,464 2,299 SH   SOLE   0 0 2,299
FRONTIER COMMUNICATIONS PARE COM 35909D109   245,086 9,672 SH   SOLE   0 0 9,672
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   276,372 2,946 SH   SOLE   0 0 2,946
HOME DEPOT INC COM 437076102   535,060 1,544 SH   SOLE   0 0 1,544
INTEL CORP COM 458140100   538,110 10,709 SH   SOLE   0 0 10,709
INTERNATIONAL BUSINESS MACHS COM 459200101   614,842 3,759 SH   SOLE   0 0 3,759
INVESCO QQQ TR UNIT SER 1 46090E103   3,717,400 9,077 SH   SOLE   0 0 9,077
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   184,152 16,055 SH   SOLE   0 0 16,055
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   16,764,990 99,472 SH   SOLE   3,752 0 95,720
ISHARES TR CORE S&P TTL STK 464287150   13,461,222 127,922 SH   SOLE   0 0 127,922
ISHARES TR SELECT DIVID ETF 464287168   1,135,278 9,685 SH   SOLE   0 0 9,685
ISHARES TR CORE S&P500 ETF 464287200   7,187,219 15,048 SH   SOLE   0 0 15,048
ISHARES TR CORE US AGGBD ET 464287226   2,185,241 22,018 SH   SOLE   0 0 22,018
ISHARES TR MSCI EMG MKT ETF 464287234   392,487 9,761 SH   SOLE   0 0 9,761
ISHARES TR S&P 500 GRWT ETF 464287309   433,401 5,771 SH   SOLE   0 0 5,771
ISHARES TR S&P 500 VAL ETF 464287408   3,328,709 19,143 SH   SOLE   0 0 19,143
ISHARES TR 1 3 YR TREAS BD 464287457   500,781 6,104 SH   SOLE   0 0 6,104
ISHARES TR MSCI EAFE ETF 464287465   664,792 8,823 SH   SOLE   36 0 8,787
ISHARES TR RUS MD CP GR ETF 464287481   1,197,467 11,463 SH   SOLE   0 0 11,463
ISHARES TR RUS MID CAP ETF 464287499   292,964 3,769 SH   SOLE   0 0 3,769
ISHARES TR CORE S&P MCP ETF 464287507   27,094,242 97,760 SH   SOLE   1,751 0 96,009
ISHARES TR RUS 1000 VAL ETF 464287598   1,164,114 7,045 SH   SOLE   0 0 7,045
ISHARES TR RUS 1000 GRW ETF 464287614   2,475,040 8,164 SH   SOLE   0 0 8,164
ISHARES TR RUS 2000 VAL ETF 464287630   790,780 5,091 SH   SOLE   0 0 5,091
ISHARES TR RUSSELL 2000 ETF 464287655   284,312 1,417 SH   SOLE   0 0 1,417
ISHARES TR RUSSELL 3000 ETF 464287689   2,809,794 10,264 SH   SOLE   0 0 10,264
ISHARES TR CORE S&P SCP ETF 464287804   13,412,860 123,906 SH   SOLE   909 0 122,998
ISHARES TR SP SMCP600VL ETF 464287879   9,206,956 89,327 SH   SOLE   0 0 89,327
ISHARES TR EAFE SML CP ETF 464288273   921,596 14,888 SH   SOLE   0 0 14,888
ISHARES TR NATIONAL MUN ETF 464288414   1,171,809 10,809 SH   SOLE   6,392 0 4,417
ISHARES TR PFD AND INCM SEC 464288687   1,608,069 51,557 SH   SOLE   962 0 50,596
ISHARES TR MSCI USA ESG SLC 464288802   659,949 6,566 SH   SOLE   0 0 6,566
ISHARES TR EAFE VALUE ETF 464288877   2,223,190 42,672 SH   SOLE   2,853 0 39,818
ISHARES TR AGGRES ALLOC ETF 464289859   266,326 3,857 SH   SOLE   0 0 3,857
ISHARES TR FLTG RATE NT ETF 46429B655   3,666,955 72,441 SH   SOLE   4,480 0 67,961
ISHARES TR CORE HIGH DV ETF 46429B663   928,252 9,101 SH   SOLE   0 0 9,101
ISHARES TR MSCI USA MIN VOL 46429B697   3,179,192 40,743 SH   SOLE   0 0 40,743
ISHARES TR MSCI USA QLT FCT 46432F339   28,139,892 191,246 SH   SOLE   3,980 0 187,266
ISHARES TR MSCI USA MMENTM 46432F396   4,094,786 26,100 SH   SOLE   1,292 0 24,807
ISHARES TR CORE MSCI TOTAL 46432F834   641,807 9,885 SH   SOLE   0 0 9,885
ISHARES TR CORE MSCI EAFE 46432F842   1,821,573 25,893 SH   SOLE   0 0 25,893
ISHARES TR EXPONENTIAL TECH 46434V381   1,004,675 16,781 SH   SOLE   0 0 16,781
ISHARES TR MSCI INTL QUALTY 46434V456   3,437,944 91,532 SH   SOLE   3,485 0 88,047
ISHARES TR IBONDS DEC25 ETF 46434VBD1   3,297,512 133,179 SH   SOLE   0 0 133,179
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,610,261 104,788 SH   SOLE   0 0 104,788
ISHARES TR IBONDS DEC2026 46435GAA0   2,913,158 121,889 SH   SOLE   7,334 0 114,555
ISHARES TR ESG AWARE MSCI 46435U663   380,442 10,009 SH   SOLE   0 0 10,009
ISHARES TR BROAD USD HIGH 46435U853   935,315 25,731 SH   SOLE   0 0 25,731
ISHARES TR IBONDS 27 ETF 46435UAA9   2,074,185 86,677 SH   SOLE   7,377 0 79,300
ISHARES TR ESG AWARE AGGRSV 46436E668   243,692 7,600 SH   SOLE   0 0 7,600
JPMORGAN CHASE & CO COM 46625H100   746,023 4,386 SH   SOLE   0 0 4,386
JOHNSON & JOHNSON COM 478160104   2,460,051 15,695 SH   SOLE   0 0 15,695
LAM RESEARCH CORP COM 512807108   265,372 339 SH   SOLE   0 0 339
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104   106,929 16,760 SH   SOLE   0 0 16,760
ELI LILLY & CO COM 532457108   212,766 365 SH   SOLE   0 0 365
MARATHON PETE CORP COM 56585A102   425,200 2,866 SH   SOLE   0 0 2,866
MCDONALDS CORP COM 580135101   1,159,438 3,910 SH   SOLE   0 0 3,910
MERCK & CO INC COM 58933Y105   505,281 4,635 SH   SOLE   0 0 4,635
MICROSOFT CORP COM 594918104   7,026,039 18,684 SH   SOLE   359 0 18,325
NETFLIX INC COM 64110L106   643,168 1,321 SH   SOLE   0 0 1,321
NEW YORK CMNTY BANCORP INC COM 649445103   169,634 16,582 SH   SOLE   0 0 16,582
NUCOR CORP COM 670346105   297,260 1,708 SH   SOLE   0 0 1,708
NVIDIA CORPORATION COM 67066G104   682,413 1,378 SH   SOLE   0 0 1,378
OPKO HEALTH INC COM 68375N103   30,366 20,110 SH   SOLE   0 0 20,110
PACKAGING CORP AMER COM 695156109   235,568 1,446 SH   SOLE   0 0 1,446
PALO ALTO NETWORKS INC COM 697435105   341,760 1,159 SH   SOLE   0 0 1,159
PEPSICO INC COM 713448108   620,595 3,654 SH   SOLE   0 0 3,654
PFIZER INC COM 717081103   236,835 8,226 SH   SOLE   0 0 8,226
PHILIP MORRIS INTL INC COM 718172109   529,816 5,632 SH   SOLE   0 0 5,632
PROCTER AND GAMBLE CO COM 742718109   552,873 3,773 SH   SOLE   0 0 3,773
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   546,858 8,943 SH   SOLE   0 0 8,943
SHELL PLC SPON ADS 780259305   258,199 3,924 SH   SOLE   0 0 3,924
SPDR S&P 500 ETF TR TR UNIT 78462F103   9,632,273 20,265 SH   SOLE   0 0 20,265
SPDR GOLD TR GOLD SHS 78463V107   313,328 1,639 SH   SOLE   0 0 1,639
SPDR SER TR PORTFOLIO S&P400 78464A847   244,818 5,025 SH   SOLE   0 0 5,025
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   671,415 1,782 SH   SOLE   0 0 1,782
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,106,216 28,227 SH   SOLE   0 0 28,227
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   863,422 12,317 SH   SOLE   0 0 12,317
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   535,194 7,030 SH   SOLE   0 0 7,030
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   237,252 6,800 SH   SOLE   0 0 6,800
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,063,170 12,681 SH   SOLE   0 0 12,681
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   763,809 20,314 SH   SOLE   0 0 20,314
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,287,089 11,882 SH   SOLE   0 0 11,882
SERVICENOW INC COM 81762P102   296,019 419 SH   SOLE   0 0 419
T-MOBILE US INC COM 872590104   822,479 5,130 SH   SOLE   0 0 5,130
TESLA INC COM 88160R101   468,784 1,887 SH   SOLE   0 0 1,887
TRAVELERS COMPANIES INC COM 89417E109   230,171 1,208 SH   SOLE   0 0 1,208
VALLEY NATL BANCORP COM 919794107   283,706 26,124 SH   SOLE   0 0 26,124
VANECK ETF TRUST PREFERRED SECURT 92189F429   2,677,476 155,848 SH   SOLE   0 0 155,848
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   349,324 4,116 SH   SOLE   0 0 4,116
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,390,241 14,027 SH   SOLE   0 0 14,027
VANGUARD WORLD FD MEGA GRWTH IND 921910816   252,287 972 SH   SOLE   0 0 972
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   218,582 807 SH   SOLE   0 0 807
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,065,192 11,335 SH   SOLE   0 0 11,335
VANGUARD BD INDEX FDS INTERMED TERM 921937819   470,348 6,158 SH   SOLE   0 0 6,158
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   694,011 9,011 SH   SOLE   1,011 0 7,999
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,078,884 22,524 SH   SOLE   911 0 21,613
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   405,419 3,632 SH   SOLE   0 0 3,632
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   449,883 6,766 SH   SOLE   5,009 0 1,758
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   330,783 6,965 SH   SOLE   0 0 6,965
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   738,575 7,179 SH   SOLE   0 0 7,179
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   921,458 22,420 SH   SOLE   1,015 0 21,405
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   214,339 2,976 SH   SOLE   0 0 2,976
VANGUARD WORLD FDS INF TECH ETF 92204A702   212,960 440 SH   SOLE   0 0 440
VANGUARD WORLD FDS UTILITIES ETF 92204A876   726,185 5,298 SH   SOLE   0 0 5,298
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,359,112 30,491 SH   SOLE   0 0 30,491
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   515,930 6,658 SH   SOLE   0 0 6,658
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   636,556 7,832 SH   SOLE   0 0 7,832
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   912,050 17,866 SH   SOLE   15,853 0 2,013
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,729,253 6,248 SH   SOLE   0 0 6,248
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,063,824 23,357 SH   SOLE   0 0 23,357
VANGUARD INDEX FDS SML CP GRW ETF 922908595   326,058 1,349 SH   SOLE   0 0 1,349
VANGUARD INDEX FDS SM CP VAL ETF 922908611   276,623 1,537 SH   SOLE   0 0 1,537
VANGUARD INDEX FDS MID CAP ETF 922908629   1,435,049 6,169 SH   SOLE   795 0 5,373
VANGUARD INDEX FDS LARGE CAP ETF 922908637   413,026 1,893 SH   SOLE   0 0 1,893
VANGUARD INDEX FDS GROWTH ETF 922908736   1,537,332 4,945 SH   SOLE   0 0 4,945
VANGUARD INDEX FDS VALUE ETF 922908744   5,743,681 38,419 SH   SOLE   0 0 38,419
VANGUARD INDEX FDS SMALL CP ETF 922908751   580,160 2,720 SH   SOLE   0 0 2,720
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,911,239 16,488 SH   SOLE   0 0 16,488
VERIZON COMMUNICATIONS INC COM 92343V104   411,361 10,911 SH   SOLE   0 0 10,911
EATON CORP PLC SHS G29183103   295,968 1,229 SH   SOLE   0 0 1,229
TE CONNECTIVITY LTD SHS H84989104   224,800 1,600 SH   SOLE   0 0 1,600