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   514,873 29,254 SH   SOLE   0 0 29,254
ABBVIE INC COM 00287Y109   885,301 4,862 SH   SOLE   0 0 4,862
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100   144,412 17,420 SH   SOLE   0 0 17,420
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   294,878 8,488 SH   SOLE   0 0 8,488
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   605,724 28,483 SH   SOLE   0 0 28,483
ALPHABET INC CAP STK CL C 02079K107   2,192,162 14,397 SH   SOLE   600 0 13,797
ALPHABET INC CAP STK CL A 02079K305   748,009 4,956 SH   SOLE   0 0 4,956
ALTRIA GROUP INC COM 02209S103   272,457 6,246 SH   SOLE   0 0 6,246
ARAMARK COM 03852U106   420,590 12,933 SH   SOLE   0 0 12,933
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   201,687 17,342 SH   SOLE   0 0 17,342
BLACKSTONE INC COM 09260D107   781,332 5,948 SH   SOLE   0 0 5,948
BRISTOL-MYERS SQUIBB CO COM 110122108   742,938 13,700 SH   SOLE   0 0 13,700
BROADCOM INC COM 11135F101   356,936 269 SH   SOLE   0 0 269
CATERPILLAR INC COM 149123101   238,180 650 SH   SOLE   0 0 650
CHEVRON CORP NEW COM 166764100   1,257,233 7,970 SH   SOLE   0 0 7,970
CISCO SYS INC COM 17275R102   310,454 6,220 SH   SOLE   0 0 6,220
COLGATE PALMOLIVE CO COM 194162103   219,468 2,437 SH   SOLE   0 0 2,437
CONOCOPHILLIPS COM 20825C104   232,507 1,827 SH   SOLE   0 0 1,827
COSTCO WHSL CORP NEW COM 22160K105   374,840 512 SH   SOLE   0 0 512
COUPANG INC CL A 22266T109   1,132,381 63,653 SH   SOLE   0 0 63,653
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   13,790,402 377,406 SH   SOLE   0 0 377,406
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   16,983,321 561,989 SH   SOLE   9,603 0 552,386
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,957,231 119,629 SH   SOLE   2,411 0 117,218
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   156,632,870 2,748,910 SH   SOLE   15,136 0 2,733,773
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   29,593,300 474,708 SH   SOLE   7,951 0 466,757
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   48,706,669 894,850 SH   SOLE   16,207 0 878,642
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   509,317 8,684 SH   SOLE   0 0 8,684
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   5,517,495 183,978 SH   SOLE   0 0 183,978
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   60,004,094 1,878,062 SH   SOLE   6,638 0 1,871,424
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   34,637,877 846,892 SH   SOLE   21,705 0 825,187
DIMENSIONAL ETF TRUST EMERGING MKTS HI 25434V757   424,050 17,085 SH   SOLE   0 0 17,085
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   16,835,010 624,908 SH   SOLE   11,267 0 613,640
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   873,858 34,871 SH   SOLE   0 0 34,871
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   728,801 26,804 SH   SOLE   0 0 26,804
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   512,450 19,157 SH   SOLE   0 0 19,157
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   10,427,427 283,739 SH   SOLE   0 0 283,739
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   3,673,111 164,198 SH   SOLE   0 0 164,198
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   25,132,726 795,088 SH   SOLE   4,928 0 790,159
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   2,453,965 51,029 SH   SOLE   0 0 51,029
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   18,168,274 386,230 SH   SOLE   0 0 386,230
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   35,461,257 845,322 SH   SOLE   0 0 845,322
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   1,991,507 78,283 SH   SOLE   0 0 78,283
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   526,726 5,905 SH   SOLE   0 0 5,905
DISNEY WALT CO COM 254687106   1,014,261 8,289 SH   SOLE   245 0 8,044
ETF SER SOLUTIONS US GLB JETS 26922A842   248,028 11,805 SH   SOLE   0 0 11,805
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   104,632 10,208 SH   SOLE   0 0 10,208
EATON VANCE TAX-MANAGED GLOB COM 27829F108   90,919 11,142 SH   SOLE   0 0 11,142
ENTERPRISE PRODS PARTNERS L COM 293792107   246,816 8,458 SH   SOLE   0 0 8,458
EXXON MOBIL CORP COM 30231G102   1,564,094 13,456 SH   SOLE   0 0 13,456
META PLATFORMS INC CL A 30303M102   1,492,745 3,074 SH   SOLE   0 0 3,074
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816   608,991 10,090 SH   SOLE   0 0 10,090
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404   724,212 25,366 SH   SOLE   0 0 25,366
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,554,215 56,372 SH   SOLE   0 0 56,372
FISERV INC COM 337738108   387,481 2,424 SH   SOLE   0 0 2,424
FRONTIER COMMUNICATIONS PARE COM 35909D109   236,962 9,672 SH   SOLE   0 0 9,672
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   326,477 3,146 SH   SOLE   0 0 3,146
HOME DEPOT INC COM 437076102   539,482 1,406 SH   SOLE   0 0 1,406
INTEL CORP COM 458140100   473,126 10,711 SH   SOLE   0 0 10,711
INTERNATIONAL BUSINESS MACHS COM 459200101   717,158 3,756 SH   SOLE   0 0 3,756
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   190,735 16,055 SH   SOLE   0 0 16,055
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   47,483,398 259,912 SH   SOLE   3,964 0 255,949
ISHARES INC EM MKT SM-CP ETF 464286475   886,340 15,061 SH   SOLE   721 0 14,340
ISHARES TR CORE S&P TTL STK 464287150   15,548,961 134,857 SH   SOLE   0 0 134,857
ISHARES TR SELECT DIVID ETF 464287168   1,150,594 9,341 SH   SOLE   0 0 9,341
ISHARES TR CORE S&P500 ETF 464287200   8,292,421 15,773 SH   SOLE   0 0 15,773
ISHARES TR CORE US AGGBD ET 464287226   1,211,910 12,374 SH   SOLE   0 0 12,374
ISHARES TR MSCI EMG MKT ETF 464287234   379,124 9,229 SH   SOLE   0 0 9,229
ISHARES TR S&P 500 GRWT ETF 464287309   487,659 5,775 SH   SOLE   0 0 5,775
ISHARES TR S&P 500 VAL ETF 464287408   3,606,440 19,305 SH   SOLE   0 0 19,305
ISHARES TR 1 3 YR TREAS BD 464287457   484,201 5,921 SH   SOLE   0 0 5,921
ISHARES TR MSCI EAFE ETF 464287465   699,392 8,758 SH   SOLE   36 0 8,722
ISHARES TR RUS MD CP GR ETF 464287481   1,309,272 11,471 SH   SOLE   0 0 11,471
ISHARES TR RUS MID CAP ETF 464287499   306,004 3,639 SH   SOLE   0 0 3,639
ISHARES TR CORE S&P MCP ETF 464287507   46,241,909 761,309 SH   SOLE   8,481 0 752,828
ISHARES TR RUS 1000 VAL ETF 464287598   1,261,752 7,045 SH   SOLE   0 0 7,045
ISHARES TR RUS 1000 GRW ETF 464287614   2,753,906 8,171 SH   SOLE   0 0 8,171
ISHARES TR RUS 2000 VAL ETF 464287630   817,549 5,148 SH   SOLE   0 0 5,148
ISHARES TR RUSSELL 2000 ETF 464287655   301,531 1,434 SH   SOLE   0 0 1,434
ISHARES TR RUSSELL 3000 ETF 464287689   3,082,800 10,273 SH   SOLE   0 0 10,273
ISHARES TR CORE S&P SCP ETF 464287804   13,298,453 120,326 SH   SOLE   0 0 120,326
ISHARES TR SP SMCP600VL ETF 464287879   8,556,899 83,271 SH   SOLE   0 0 83,271
ISHARES TR SHRT NAT MUN ETF 464288158   222,028 2,120 SH   SOLE   0 0 2,120
ISHARES TR EAFE SML CP ETF 464288273   915,084 14,449 SH   SOLE   0 0 14,449
ISHARES TR JPMORGAN USD EMG 464288281   210,725 2,350 SH   SOLE   0 0 2,350
ISHARES TR NATIONAL MUN ETF 464288414   1,673,324 15,551 SH   SOLE   6,839 0 8,712
ISHARES TR PFD AND INCM SEC 464288687   1,451,826 45,046 SH   SOLE   972 0 44,074
ISHARES TR MSCI USA ESG SLC 464288802   716,810 6,566 SH   SOLE   0 0 6,566
ISHARES TR EAFE VALUE ETF 464288877   2,324,000 42,721 SH   SOLE   2,853 0 39,867
ISHARES TR AGGRES ALLOC ETF 464289859   295,383 4,021 SH   SOLE   0 0 4,021
ISHARES TR FLTG RATE NT ETF 46429B655   3,905,736 76,493 SH   SOLE   4,525 0 71,969
ISHARES TR CORE HIGH DV ETF 46429B663   1,003,066 9,101 SH   SOLE   0 0 9,101
ISHARES TR MSCI USA MIN VOL 46429B697   3,220,810 38,536 SH   SOLE   0 0 38,536
ISHARES TR MSCI USA QLT FCT 46432F339   56,911,879 346,285 SH   SOLE   4,054 0 342,231
ISHARES TR MSCI USA MMENTM 46432F396   4,756,406 25,388 SH   SOLE   1,294 0 24,094
ISHARES TR CORE MSCI TOTAL 46432F834   733,539 10,810 SH   SOLE   0 0 10,810
ISHARES TR CORE MSCI EAFE 46432F842   1,947,904 26,245 SH   SOLE   0 0 26,245
ISHARES TR EXPONENTIAL TECH 46434V381   1,217,795 20,426 SH   SOLE   0 0 20,426
ISHARES TR MSCI INTL QUALTY 46434V456   3,076,067 77,561 SH   SOLE   3,485 0 74,076
ISHARES TR IBONDS DEC25 ETF 46434VBD1   3,882,839 156,503 SH   SOLE   0 0 156,503
ISHARES TR IBONDS DEC24 ETF 46434VBG4   2,769,707 110,567 SH   SOLE   0 0 110,567
ISHARES TR HIGH YLD SYSTM B 46435G250   395,999 8,476 SH   SOLE   0 0 8,476
ISHARES TR IBONDS DEC2026 46435GAA0   3,868,358 162,195 SH   SOLE   7,382 0 154,813
ISHARES TR IBDS DEC28 ETF 46435U515   506,381 20,333 SH   SOLE   7,327 0 13,006
ISHARES TR ESG AWARE MSCI 46435U663   413,935 10,279 SH   SOLE   0 0 10,279
ISHARES TR BROAD USD HIGH 46435U853   731,980 20,005 SH   SOLE   0 0 20,005
ISHARES TR IBONDS 27 ETF 46435UAA9   2,487,786 104,529 SH   SOLE   7,430 0 97,099
ISHARES TR ESG AWARE AGGRSV 46436E668   265,826 7,800 SH   SOLE   0 0 7,800
ISHARES BITCOIN TR SHS 46438F101   227,064 5,611 SH   SOLE   0 0 5,611
JPMORGAN CHASE & CO COM 46625H100   1,225,357 6,118 SH   SOLE   0 0 6,118
JOHNSON & JOHNSON COM 478160104   2,470,127 15,615 SH   SOLE   0 0 15,615
LAM RESEARCH CORP COM 512807108   329,286 339 SH   SOLE   0 0 339
LIBERTY ALL STAR EQUITY FD SH BEN INT 530158104   119,834 16,760 SH   SOLE   0 0 16,760
MARATHON PETE CORP COM 56585A102   487,026 2,417 SH   SOLE   0 0 2,417
MCDONALDS CORP COM 580135101   1,102,746 3,911 SH   SOLE   0 0 3,911
MERCK & CO INC COM 58933Y105   590,561 4,476 SH   SOLE   0 0 4,476
MICROSOFT CORP COM 594918104   7,975,262 18,956 SH   SOLE   360 0 18,596
NETFLIX INC COM 64110L106   802,283 1,321 SH   SOLE   0 0 1,321
NEW YORK CMNTY BANCORP INC COM 649445103   55,004 17,082 SH   SOLE   0 0 17,082
NEW YORK MTG TR INC COM 649604840   168,314 23,377 SH   SOLE   0 0 23,377
NUCOR CORP COM 670346105   336,430 1,700 SH   SOLE   0 0 1,700
NVIDIA CORPORATION COM 67066G104   1,847,780 2,045 SH   SOLE   0 0 2,045
OPKO HEALTH INC COM 68375N103   24,132 20,110 SH   SOLE   0 0 20,110
ORACLE CORP COM 68389X105   235,846 1,878 SH   SOLE   0 0 1,878
PACKAGING CORP AMER COM 695156109   274,422 1,446 SH   SOLE   0 0 1,446
PALO ALTO NETWORKS INC COM 697435105   236,680 833 SH   SOLE   0 0 833
PEPSICO INC COM 713448108   674,086 3,852 SH   SOLE   0 0 3,852
PHILIP MORRIS INTL INC COM 718172109   525,125 5,732 SH   SOLE   0 0 5,732
PIMCO ETF TR ENHANCD SHORT 72201R643   283,507 2,875 SH   SOLE   0 0 2,875
PROCTER AND GAMBLE CO COM 742718109   720,986 4,444 SH   SOLE   0 0 4,444
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   545,679 8,171 SH   SOLE   0 0 8,171
RAYMOND JAMES FINL INC COM 754730109   219,598 1,710 SH   SOLE   0 0 1,710
SHELL PLC SPON ADS 780259305   263,065 3,924 SH   SOLE   0 0 3,924
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,816,853 20,680 SH   SOLE   0 0 20,680
SPDR SER TR PORTFOLIO S&P400 78464A847   268,034 5,025 SH   SOLE   0 0 5,025
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   713,759 1,794 SH   SOLE   0 0 1,794
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   211,988 381 SH   SOLE   0 0 381
SPDR SER TR S&P 500 ESG ETF 78468R531   797,580 15,750 SH   SOLE   0 0 15,750
SPDR SER TR PRTFLO S&P500 HI 78468R788   1,155,305 28,379 SH   SOLE   0 0 28,379
SALESFORCE INC COM 79466L302   233,415 775 SH   SOLE   0 0 775
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   935,846 12,317 SH   SOLE   0 0 12,317
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   599,403 7,434 SH   SOLE   0 0 7,434
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   243,440 6,800 SH   SOLE   0 0 6,800
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,342,642 14,221 SH   SOLE   0 0 14,221
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   859,168 20,398 SH   SOLE   0 0 20,398
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,649,777 12,723 SH   SOLE   0 0 12,723
SERVICENOW INC COM 81762P102   319,446 419 SH   SOLE   0 0 419
T-MOBILE US INC COM 872590104   837,305 5,130 SH   SOLE   0 0 5,130
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   251,420 1,848 SH   SOLE   0 0 1,848
TESLA INC COM 88160R101   349,753 1,990 SH   SOLE   0 0 1,990
VALLEY NATL BANCORP COM 919794107   243,483 30,588 SH   SOLE   0 0 30,588
VANECK ETF TRUST PREFERRED SECURT 92189F429   2,880,767 162,847 SH   SOLE   0 0 162,847
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   640,716 7,127 SH   SOLE   0 0 7,127
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,829,799 15,496 SH   SOLE   0 0 15,496
VANGUARD STAR FDS VG TL INTL STK F 921909768   203,573 3,376 SH   SOLE   0 0 3,376
VANGUARD WORLD FD ESG INTL STK ETF 921910725   319,821 5,565 SH   SOLE   0 0 5,565
VANGUARD WORLD FD MEGA GRWTH IND 921910816   278,726 972 SH   SOLE   0 0 972
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   567,432 1,862 SH   SOLE   0 0 1,862
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   1,168,115 11,340 SH   SOLE   0 0 11,340
VANGUARD BD INDEX FDS INTERMED TERM 921937819   374,059 4,961 SH   SOLE   0 0 4,961
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   263,939 3,443 SH   SOLE   717 0 2,726
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,227,342 24,464 SH   SOLE   911 0 23,553
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   433,363 3,582 SH   SOLE   0 0 3,582
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   468,638 6,812 SH   SOLE   5,054 0 1,758
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   836,724 7,572 SH   SOLE   0 0 7,572
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   687,589 16,461 SH   SOLE   0 0 16,461
VANGUARD WORLD FD INF TECH ETF 92204A702   236,477 451 SH   SOLE   0 0 451
VANGUARD WORLD FD UTILITIES ETF 92204A876   831,847 5,834 SH   SOLE   0 0 5,834
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,688,061 21,835 SH   SOLE   0 0 21,835
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   499,499 6,519 SH   SOLE   0 0 6,519
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   515,123 8,798 SH   SOLE   0 0 8,798
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   331,566 5,597 SH   SOLE   0 0 5,597
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   473,229 5,878 SH   SOLE   0 0 5,878
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   927,086 18,322 SH   SOLE   15,934 0 2,388
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   4,295,661 8,936 SH   SOLE   0 0 8,936
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,988,152 22,990 SH   SOLE   0 0 22,990
VANGUARD INDEX FDS SML CP GRW ETF 922908595   299,991 1,151 SH   SOLE   0 0 1,151
VANGUARD INDEX FDS SM CP VAL ETF 922908611   469,346 2,446 SH   SOLE   0 0 2,446
VANGUARD INDEX FDS MID CAP ETF 922908629   1,583,534 6,338 SH   SOLE   798 0 5,539
VANGUARD INDEX FDS LARGE CAP ETF 922908637   461,853 1,926 SH   SOLE   0 0 1,926
VANGUARD INDEX FDS GROWTH ETF 922908736   1,702,295 4,946 SH   SOLE   0 0 4,946
VANGUARD INDEX FDS VALUE ETF 922908744   6,172,648 37,902 SH   SOLE   0 0 37,902
VANGUARD INDEX FDS SMALL CP ETF 922908751   622,899 2,725 SH   SOLE   0 0 2,725
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,941,261 19,012 SH   SOLE   0 0 19,012
VERIZON COMMUNICATIONS INC COM 92343V104   418,664 9,978 SH   SOLE   0 0 9,978
VERTIV HOLDINGS CO COM CL A 92537N108   272,779 3,340 SH   SOLE   0 0 3,340
VISA INC COM CL A 92826C839   219,870 788 SH   SOLE   0 0 788
WALMART INC COM 931142103   412,220 6,851 SH   SOLE   0 0 6,851
WISDOMTREE TR US AI ENHANCED 97717W406   209,371 2,057 SH   SOLE   2,057 0 0
EATON CORP PLC SHS G29183103   384,284 1,229 SH   SOLE   0 0 1,229
TE CONNECTIVITY LTD SHS H84989104   232,384 1,600 SH   SOLE   0 0 1,600