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
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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
AKEBIA THERAPEUTICS INC COM 00972D105   23 25,142 SH   SOLE 0 0 0 25,142
ALPHABET INC CAP STK CL A 02079K305   1,990 16,630 SH   SOLE 0 0 0 16,630
ALPHABET INC CAP STK CL C 02079K107   1,339 11,070 SH   SOLE 0 0 0 11,070
AMAZON COM INC COM 023135106   1,858 14,251 SH   SOLE 0 0 0 14,251
APPLE INC COM 037833100   14,600 75,267 SH   SOLE 0 0 0 75,267
AT&T INC COM 00206R102   268 16,840 SH   SOLE 0 0 0 16,840
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,499 4,397 SH   SOLE 0 0 0 4,397
CONSOLIDATED EDISON INC COM 209115104   487 5,391 SH   SOLE 0 0 0 5,391
COSTCO WHSL CORP NEW COM 22160K105   287 534 SH   SOLE 0 0 0 534
DANAHER CORPORATION COM 235851102   403 1,680 SH   SOLE 0 0 0 1,680
DIREXION SHS ETF TR DLY TECH BULL 3X 25459W102   201 3,725 SH   SOLE 0 0 0 3,725
DISNEY WALT CO COM 254687106   249 2,791 SH   SOLE 0 0 0 2,791
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707   379 6,453 SH   SOLE 0 0 0 6,453
EXXON MOBIL CORP COM 30231G102   596 5,550 SH   SOLE 0 0 0 5,550
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,254 27,583 SH   SOLE 0 0 0 27,583
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192   281 3,699 SH   SOLE 0 0 0 3,699
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846   395 8,687 SH   SOLE 0 0 0 8,687
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200   3,567 74,838 SH   SOLE 0 0 0 74,838
FORD MTR CO DEL COM 345370860   184 12,151 SH   SOLE 0 0 0 12,151
GLOBAL X FDS GENOMIC BIOTECH 37954Y434   169 13,939 SH   SOLE 0 0 0 13,939
HENRY SCHEIN INC COM 806407102   1,555 19,179 SH   SOLE 0 0 0 19,179
HOME DEPOT INC COM 437076102   1,489 4,795 SH   SOLE 0 0 0 4,795
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537   1,303 55,216 SH   SOLE 0 0 0 55,216
ISHARES INC CORE MSCI EMKT 46434G103   2,775 56,267 SH   SOLE 0 0 0 56,267
ISHARES TR COHEN STEER REIT 464287564   1,161 20,909 SH   SOLE 0 0 0 20,909
ISHARES TR CORE 1 5 YR USD 46432F859   245 5,247 SH   SOLE 0 0 0 5,247
ISHARES TR CORE INTL AGGR 46435G672   262 5,310 SH   SOLE 0 0 0 5,310
ISHARES TR CORE MSCI EAFE 46432F842   5,693 84,353 SH   SOLE 0 0 0 84,353
ISHARES TR CORE MSCI INTL 46435G326   456 7,457 SH   SOLE 0 0 0 7,457
ISHARES TR CORE MSCI TOTAL 46432F834   4,483 71,597 SH   SOLE 0 0 0 71,597
ISHARES TR CORE S&P MCP ETF 464287507   264 1,012 SH   SOLE 0 0 0 1,012
ISHARES TR CORE S&P500 ETF 464287200   4,967 11,143 SH   SOLE 0 0 0 11,143
ISHARES TR CORE TOTAL USD 46434V613   1,957 43,047 SH   SOLE 0 0 0 43,047
ISHARES TR CORE US AGGBD ET 464287226   15,267 155,864 SH   SOLE 0 0 0 155,864
ISHARES TR EAFE GRWTH ETF 464288885   1,251 13,112 SH   SOLE 0 0 0 13,112
ISHARES TR EAFE SML CP ETF 464288273   1,498 25,385 SH   SOLE 0 0 0 25,385
ISHARES TR EAFE VALUE ETF 464288877   629 12,859 SH   SOLE 0 0 0 12,859
ISHARES TR IBOXX HI YD ETF 464288513   383 5,100 SH   SOLE 0 0 0 5,100
ISHARES TR MRGSTR MD CP GRW 464288307   1,538 25,246 SH   SOLE 0 0 0 25,246
ISHARES TR MRGSTR MD CP VAL 464288406   415 6,513 SH   SOLE 0 0 0 6,513
ISHARES TR MSCI EAFE ETF 464287465   1,593 21,973 SH   SOLE 0 0 0 21,973
ISHARES TR MSCI EAFE MIN VL 46429B689   286 4,227 SH   SOLE 0 0 0 4,227
ISHARES TR MSCI USA MIN VOL 46429B697   242 3,258 SH   SOLE 0 0 0 3,258
ISHARES TR MSCI USA MMENTM 46432F396   292 2,024 SH   SOLE 0 0 0 2,024
ISHARES TR NATIONAL MUN ETF 464288414   5,372 50,337 SH   SOLE 0 0 0 50,337
ISHARES TR NEW YORK MUN ETF 464288323   4,830 90,677 SH   SOLE 0 0 0 90,677
ISHARES TR RUS 1000 ETF 464287622   2,009 8,245 SH   SOLE 0 0 0 8,245
ISHARES TR RUS 1000 GRW ETF 464287614   2,426 8,815 SH   SOLE 0 0 0 8,815
ISHARES TR RUS 1000 VAL ETF 464287598   463 2,935 SH   SOLE 0 0 0 2,935
ISHARES TR RUS MD CP GR ETF 464287481   1,092 11,311 SH   SOLE 0 0 0 11,311
ISHARES TR RUS MDCP VAL ETF 464287473   5,414 49,283 SH   SOLE 0 0 0 49,283
ISHARES TR RUS MID CAP ETF 464287499   608 8,330 SH   SOLE 0 0 0 8,330
ISHARES TR RUSEL 2500 ETF 46435G268   3,553 61,800 SH   SOLE 0 0 0 61,800
ISHARES TR RUSSELL 2000 ETF 464287655   530 2,829 SH   SOLE 0 0 0 2,829
ISHARES TR RUSSELL 3000 ETF 464287689   280 1,100 SH   SOLE 0 0 0 1,100
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   1,209 25,941 SH   SOLE 0 0 0 25,941
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   311 6,133 SH   SOLE 0 0 0 6,133
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   447 8,143 SH   SOLE 0 0 0 8,143
JOHNSON & JOHNSON COM 478160104   1,374 8,303 SH   SOLE 0 0 0 8,303
JPMORGAN CHASE & CO COM 46625H100   1,143 7,853 SH   SOLE 0 0 0 7,853
KKR & CO INC COM 48251W104   673 12,013 SH   SOLE 0 0 0 12,013
MASTERCARD INCORPORATED CL A 57636Q104   995 2,530 SH   SOLE 0 0 0 2,530
MCDONALDS CORP COM 580135101   383 1,283 SH   SOLE 0 0 0 1,283
META PLATFORMS INC CL A 30303M102   297 1,037 SH   SOLE 0 0 0 1,037
MICROSOFT CORP COM 594918104   4,470 13,130 SH   SOLE 0 0 0 13,130
NVIDIA CORPORATION COM 67066G104   234 553 SH   SOLE 0 0 0 553
ORACLE CORP COM 68389X105   241 2,025 SH   SOLE 0 0 0 2,025
PEPSICO INC COM 713448108   209 1,131 SH   SOLE 0 0 0 1,131
PFIZER INC COM 717081103   203 5,557 SH   SOLE 0 0 0 5,557
PROCTER AND GAMBLE CO COM 742718109   691 4,552 SH   SOLE 0 0 0 4,552
PROSHARES TR PSHS ULTRA QQQ 74347R206   209 3,239 SH   SOLE 0 0 0 3,239
PROSHARES TR S&P 500 DV ARIST 74348A467   2,598 27,561 SH   SOLE 0 0 0 27,561
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,004 81,380 SH   SOLE 0 0 0 81,380
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,415 179,946 SH   SOLE 0 0 0 179,946
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   752 22,271 SH   SOLE 0 0 0 22,271
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   9,339 202,352 SH   SOLE 0 0 0 202,352
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,560 165,565 SH   SOLE 0 0 0 165,565
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,718 395,437 SH   SOLE 0 0 0 395,437
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   13,932 185,893 SH   SOLE 0 0 0 185,893
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   7,269 108,349 SH   SOLE 0 0 0 108,349
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   897 17,112 SH   SOLE 0 0 0 17,112
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,403 76,062 SH   SOLE 0 0 0 76,062
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,980 90,845 SH   SOLE 0 0 0 90,845
SEMPRA COM 816851109   200 1,374 SH   SOLE 0 0 0 1,374
SHERWIN WILLIAMS CO COM 824348106   244 918 SH   SOLE 0 0 0 918
SOLAREDGE TECHNOLOGIES INC COM 83417M104   390 1,450 SH   SOLE 0 0 0 1,450
SPDR GOLD TR GOLD SHS 78463V107   407 2,283 SH   SOLE 0 0 0 2,283
SPDR S&P 500 ETF TR TR UNIT 78462F103   398 899 SH   SOLE 0 0 0 899
SPDR SER TR NUVEEN BLOOMBERG 78464A284   3,274 130,912 SH   SOLE 0 0 0 130,912
SPDR SER TR S&P BIOTECH 78464A870   242 2,916 SH   SOLE 0 0 0 2,916
STARBUCKS CORP COM 855244109   215 2,162 SH   SOLE 0 0 0 2,162
TESLA INC COM 88160R101   1,186 4,531 SH   SOLE 0 0 0 4,531
URSTADT BIDDLE PPTYS INC CL A 917286205   330 15,502 SH   SOLE 0 0 0 15,502
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   5,909 74,051 SH   SOLE 0 0 0 74,051
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   444 1,746 SH   SOLE 0 0 0 1,746
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   25,905 174,050 SH   SOLE 0 0 0 174,050
VANGUARD INDEX FDS GROWTH ETF 922908736   284 1,004 SH   SOLE 0 0 0 1,004
VANGUARD INDEX FDS LARGE CAP ETF 922908637   84,176 415,235 SH   SOLE 0 0 0 415,235
VANGUARD INDEX FDS MID CAP ETF 922908629   5,899 26,791 SH   SOLE 0 0 0 26,791
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,139 13,648 SH   SOLE 0 0 0 13,648
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,739 23,822 SH   SOLE 0 0 0 23,822
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,642 16,535 SH   SOLE 0 0 0 16,535
VANGUARD INDEX FDS VALUE ETF 922908744   764 5,378 SH   SOLE 0 0 0 5,378
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,192 53,886 SH   SOLE 0 0 0 53,886
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   492 9,810 SH   SOLE 0 0 0 9,810
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   416 2,566 SH   SOLE 0 0 0 2,566
VANGUARD STAR FDS VG TL INTL STK F 921909768   24,196 431,447 SH   SOLE 0 0 0 431,447
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,809 82,485 SH   SOLE 0 0 0 82,485
VANGUARD WORLD FD MEGA CAP INDEX 921910873   4,212 26,925 SH   SOLE 0 0 0 26,925
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   8,891 85,687 SH   SOLE 0 0 0 85,687
VERIZON COMMUNICATIONS INC COM 92343V104   343 9,221 SH   SOLE 0 0 0 9,221
VISA INC COM CL A 92826C839   226 949 SH   SOLE 0 0 0 949
WAVE LIFE SCIENCES LTD SHS Y95308105   109 30,000 SH   SOLE 0 0 0 30,000