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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL C 02079K107 946 327 SH   SOLE   327 0 0
ALTRIA GROUP INC COM 02209S103 642 13,545 SH   SOLE   13,544 0 0
AMAZON COM INC COM 023135106 664 199 SH   SOLE   199 0 0
APPLE INC COM 037833100 15,734 88,606 SH   SOLE   88,605 0 0
AT&T INC COM 00206R102 770 31,306 SH   SOLE   31,305 0 0
BK OF AMERICA CORP COM 060505104 301 6,767 SH   SOLE   6,767 0 0
BOEING CO COM 097023105 254 1,261 SH   SOLE   1,261 0 0
CHEVRON CORP NEW COM 166764100 552 4,708 SH   SOLE   4,708 0 0
CHURCH & DWIGHT CO INC COM 171340102 237 2,309 SH   SOLE   2,308 0 0
CISCO SYS INC COM 17275R102 224 3,539 SH   SOLE   3,538 0 0
COLGATE PALMOLIVE CO COM 194162103 416 4,872 SH   SOLE   4,872 0 0
COMCAST CORP NEW CL A 20030N101 438 8,711 SH   SOLE   8,711 0 0
DISNEY WALT CO COM 254687106 553 3,571 SH   SOLE   3,571 0 0
EXXON MOBIL CORP COM 30231G102 1,074 17,550 SH   SOLE   17,550 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,292 32,709 SH   SOLE   32,709 0 0
FS KKR CAP CORP COM 302635206 560 26,755 SH   SOLE   26,755 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 2,856 77,688 SH   SOLE   77,688 0 0
INTEL CORP COM 458140100 446 8,661 SH   SOLE   8,661 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 5,409 39,547 SH   SOLE   39,547 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 535 4,001 SH   SOLE   4,001 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201 229 8,400 SH   SOLE   8,400 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,551 25,917 SH   SOLE   25,917 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 727 3,269 SH   SOLE   3,269 0 0
ISHARES TR CORE MSCI EAFE 46432F842 214 2,871 SH   SOLE   2,871 0 0
ISHARES TR CORE S&P TTL STK 464287150 32,853 307,097 SH   SOLE   307,097 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,752 76,803 SH   SOLE   76,803 0 0
JOHNSON & JOHNSON COM 478160104 956 5,587 SH   SOLE   5,586 0 0
JONES LANG LASALLE INC COM 48020Q107 240 890 SH   SOLE   890 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 1,335 74,969 SH   SOLE   74,969 0 0
LOWES COS INC COM 548661107 209 808 SH   SOLE   808 0 0
M & T BK CORP COM 55261F104 2,861 18,630 SH   SOLE   18,630 0 0
MERCK & CO INC COM 58933Y105 1,351 17,625 SH   SOLE   17,624 0 0
META PLATFORMS INC CL A 30303M102 304 904 SH   SOLE   904 0 0
MICROSOFT CORP COM 594918104 1,213 3,608 SH   SOLE   3,607 0 0
MONDELEZ INTL INC CL A 609207105 844 12,735 SH   SOLE   12,735 0 0
MONMOUTH REAL ESTATE INVT CO CL A 609720107 1,146 54,560 SH   SOLE   54,560 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 255 937 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106 459 762 SH   SOLE   762 0 0
NEW JERSEY RES CORP COM 646025106 665 16,186 SH   SOLE   16,185 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 325 21,145 SH   SOLE   21,145 0 0
NVIDIA CORPORATION COM 67066G104 439 1,493 SH   SOLE   1,493 0 0
ORACLE CORP COM 68389X105 241 2,760 SH   SOLE   2,760 0 0
PEPSICO INC COM 713448108 574 3,307 SH   SOLE   3,307 0 0
PFIZER INC COM 717081103 396 6,702 SH   SOLE   6,701 0 0
PHILIP MORRIS INTL INC COM 718172109 1,736 18,272 SH   SOLE   18,272 0 0
PROCTER AND GAMBLE CO COM 742718109 1,851 11,315 SH   SOLE   11,314 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 362 5,424 SH   SOLE   5,424 0 0
SPDR SER TR DJ REIT ETF 78464A607 1,352 11,066 SH   SOLE   11,066 0 0
VALLEY NATL BANCORP COM 919794107 780 56,715 SH   SOLE   56,715 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,392 35,865 SH   SOLE   35,865 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,448 22,566 SH   SOLE   22,566 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,038 2,378 SH   SOLE   2,378 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 320 6,160 SH   SOLE   6,160 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 2,121 39,220 SH   SOLE   39,220 0 0