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
3M CO COM 88579Y101   1,065 10,039 SH   SOLE   0 0 10,039
ABBOTT LABS COM 002824100   988 8,692 SH   SOLE   0 0 8,692
ABBVIE INC COM 00287Y109   1,224 6,721 SH   SOLE   0 0 6,721
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   900 2,596 SH   SOLE   0 0 2,596
ADOBE INC COM 00724F101   229 453 SH   SOLE   0 0 453
ADVANCED MICRO DEVICES INC COM 007903107   228 1,262 SH   SOLE   0 0 1,262
ALAMOS GOLD INC NEW COM CL A 011532108   152 10,275 SH   SOLE   0 0 10,275
ALPHABET INC CAP STK CL C 02079K107   4,250 27,915 SH   SOLE   0 0 27,915
ALPHABET INC CAP STK CL A 02079K305   2,646 17,530 SH   SOLE   0 0 17,530
ALTRIA GROUP INC COM 02209S103   1,325 30,373 SH   SOLE   0 0 30,373
AMAZON COM INC COM 023135106   3,676 20,381 SH   SOLE   0 0 20,381
AMERICAN EXPRESS CO COM 025816109   1,038 4,558 SH   SOLE   0 0 4,558
AMERICAN TOWER CORP NEW COM 03027X100   488 2,470 SH   SOLE   0 0 2,470
AMGEN INC COM 031162100   817 2,873 SH   SOLE   0 0 2,873
APPLE INC COM 037833100   76,877 448,313 SH   SOLE   0 0 448,313
APPLIED MATLS INC COM 038222105   301 1,461 SH   SOLE   0 0 1,461
ARES CAPITAL CORP COM 04010L103   437 20,978 SH   SOLE   0 0 20,978
AT&T INC COM 00206R102   1,902 108,095 SH   SOLE   0 0 108,095
AUTOMATIC DATA PROCESSING IN COM 053015103   1,990 7,970 SH   SOLE   0 0 7,970
BABCOCK & WILCOX ENTERPRISES COM 05614L209   12 11,000 SH   SOLE   0 0 11,000
BANK AMERICA CORP COM 060505104   843 22,241 SH   SOLE   0 0 22,241
BECTON DICKINSON & CO COM 075887109   286 1,155 SH   SOLE   0 0 1,155
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   12,505 29,736 SH   SOLE   0 0 29,736
BLACKSTONE INC COM 09260D107   346 2,633 SH   SOLE   0 0 2,633
BOEING CO COM 097023105   456 2,364 SH   SOLE   0 0 2,364
BP PLC SPONSORED ADR 055622104   306 8,119 SH   SOLE   0 0 8,119
BRISTOL-MYERS SQUIBB CO COM 110122108   2,325 42,880 SH   SOLE   0 0 42,880
BROADCOM INC COM 11135F101   716 540 SH   SOLE   0 0 540
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   675 3,295 SH   SOLE   0 0 3,295
CABOT CORP COM 127055101   277 3,000 SH   SOLE   0 0 3,000
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   420 13,481 SH   SOLE   0 0 13,481
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,985 91,848 SH   SOLE   0 0 91,848
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   3,747 145,340 SH   SOLE   0 0 145,340
CATERPILLAR INC COM 149123101   784 2,139 SH   SOLE   0 0 2,139
CHEVRON CORP NEW COM 166764100   1,868 11,840 SH   SOLE   0 0 11,840
CHUBB LIMITED COM H1467J104   290 1,120 SH   SOLE   0 0 1,120
CHURCH & DWIGHT CO INC COM 171340102   490 4,696 SH   SOLE   0 0 4,696
CISCO SYS INC COM 17275R102   1,345 26,950 SH   SOLE   0 0 26,950
CITIGROUP INC COM NEW 172967424   279 4,417 SH   SOLE   0 0 4,417
CITIZENS FINL GROUP INC COM 174610105   210 5,777 SH   SOLE   0 0 5,777
COCA COLA CO COM 191216100   726 11,861 SH   SOLE   0 0 11,861
COHEN & STEERS QUALITY INCOM COM 19247L106   483 39,986 SH   SOLE   0 0 39,986
COLGATE PALMOLIVE CO COM 194162103   464 5,151 SH   SOLE   0 0 5,151
COLUMBIA FINL INC COM 197641103   730 42,409 SH   SOLE   0 0 42,409
COMCAST CORP NEW CL A 20030N101   751 17,318 SH   SOLE   0 0 17,318
COMMERCE BANCSHARES INC COM 200525103   279 5,250 SH   SOLE   0 0 5,250
CONOCOPHILLIPS COM 20825C104   594 4,664 SH   SOLE   0 0 4,664
CONSOLIDATED EDISON INC COM 209115104   505 5,563 SH   SOLE   0 0 5,563
CONSTELLATION BRANDS INC CL A 21036P108   389 1,430 SH   SOLE   0 0 1,430
COPART INC COM 217204106   467 8,068 SH   SOLE   0 0 8,068
COSTCO WHSL CORP NEW COM 22160K105   2,003 2,734 SH   SOLE   0 0 2,734
COTERRA ENERGY INC COM 127097103   427 15,326 SH   SOLE   0 0 15,326
CSX CORP COM 126408103   229 6,173 SH   SOLE   0 0 6,173
CURIOSITYSTREAM INC COM CL A 23130Q107   53 49,705 SH   SOLE   0 0 49,705
CVS HEALTH CORP COM 126650100   318 3,986 SH   SOLE   0 0 3,986
DANAHER CORPORATION COM 235851102   1,555 6,228 SH   SOLE   0 0 6,228
DEERE & CO COM 244199105   310 755 SH   SOLE   0 0 755
DISNEY WALT CO COM 254687106   1,798 14,696 SH   SOLE   0 0 14,696
DOMINION ENERGY INC COM 25746U109   351 7,126 SH   SOLE   0 0 7,126
DOW INC COM 260557103   1,156 19,955 SH   SOLE   0 0 19,955
DUKE ENERGY CORP NEW COM NEW 26441C204   737 7,618 SH   SOLE   0 0 7,618
EATON CORP PLC SHS G29183103   232 742 SH   SOLE   0 0 742
ELI LILLY & CO COM 532457108   5,244 6,740 SH   SOLE   0 0 6,740
EMPIRE ST RLTY OP L P UNIT LTD PRT 250 292102308   146 16,150 SH   SOLE   0 0 16,150
EMPIRE ST RLTY TR INC CL A 292104106   190 18,738 SH   SOLE   0 0 18,738
ENERGY FUELS INC COM NEW 292671708   202 32,190 SH   SOLE   0 0 32,190
ENTERPRISE PRODS PARTNERS L COM 293792107   288 9,856 SH   SOLE   0 0 9,856
ESPERION THERAPEUTICS INC NE COM 29664W105   62 23,250 SH   SOLE   0 0 23,250
EXXON MOBIL CORP COM 30231G102   6,412 55,162 SH   SOLE   0 0 55,162
FEDEX CORP COM 31428X106   409 1,411 SH   SOLE   0 0 1,411
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   368 5,710 SH   SOLE   0 0 5,710
FINGERMOTION INC COM 31788K108   69 32,700 SH   SOLE   0 0 32,700
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   303 17,500 SH   SOLE   0 0 17,500
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   352 7,612 SH   SOLE   0 0 7,612
FIRST TR NASDAQ 100 TECH IND SHS 337345102   581 3,045 SH   SOLE   0 0 3,045
FISERV INC COM 337738108   846 5,293 SH   SOLE   0 0 5,293
FORD MTR CO DEL COM 345370860   579 43,587 SH   SOLE   0 0 43,587
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   733 8,065 SH   SOLE   0 0 8,065
GENERAL ELECTRIC CO COM NEW 369604301   2,141 12,196 SH   SOLE   0 0 12,196
GENERAL MLS INC COM 370334104   320 4,575 SH   SOLE   0 0 4,575
GILEAD SCIENCES INC COM 375558103   298 4,066 SH   SOLE   0 0 4,066
GLOBAL PMTS INC COM 37940X102   358 2,675 SH   SOLE   0 0 2,675
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   686 14,011 SH   SOLE   0 0 14,011
GLOBAL X FDS CYBRSCURTY ETF 37954Y384   214 7,208 SH   SOLE   0 0 7,208
GOLDMAN SACHS GROUP INC COM 38141G104   404 967 SH   SOLE   0 0 967
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   339 5,360 SH   SOLE   0 0 5,360
GSK PLC SPONSORED ADR 37733W204   338 7,881 SH   SOLE   0 0 7,881
HALEON PLC SPON ADS 405552100   91 10,749 SH   SOLE   0 0 10,749
HALLIBURTON CO COM 406216101   476 12,076 SH   SOLE   0 0 12,076
HOME DEPOT INC COM 437076102   1,030 2,685 SH   SOLE   0 0 2,685
HONEYWELL INTL INC COM 438516106   1,430 6,968 SH   SOLE   0 0 6,968
IDEXX LABS INC COM 45168D104   795 1,472 SH   SOLE   0 0 1,472
INTEL CORP COM 458140100   719 16,271 SH   SOLE   0 0 16,271
INTERNATIONAL BUSINESS MACHS COM 459200101   1,395 7,307 SH   SOLE   0 0 7,307
INTUIT COM 461202103   929 1,429 SH   SOLE   0 0 1,429
INTUITIVE SURGICAL INC COM NEW 46120E602   338 847 SH   SOLE   0 0 847
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   390 20,239 SH   SOLE   0 0 20,239
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   379 18,862 SH   SOLE   0 0 18,862
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   309 16,078 SH   SOLE   0 0 16,078
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   298 14,581 SH   SOLE   0 0 14,581
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   532 3,142 SH   SOLE   0 0 3,142
INVESCO QQQ TR UNIT SER 1 46090E103   974 2,193 SH   SOLE   0 0 2,193
ISHARES GOLD TR ISHARES NEW 464285204   209 4,966 SH   SOLE   0 0 4,966
ISHARES TR RUSSELL 2000 ETF 464287655   2,331 11,082 SH   SOLE   0 0 11,082
ISHARES TR CORE S&P500 ETF 464287200   1,970 3,747 SH   SOLE   0 0 3,747
ISHARES TR CORE S&P SCP ETF 464287804   1,500 13,573 SH   SOLE   0 0 13,573
ISHARES TR RUS 1000 GRW ETF 464287614   1,153 3,420 SH   SOLE   0 0 3,420
ISHARES TR CORE 1 5 YR USD 46432F859   1,129 23,796 SH   SOLE   0 0 23,796
ISHARES TR S&P 500 GRWT ETF 464287309   1,071 12,680 SH   SOLE   0 0 12,680
ISHARES TR 10+ YR INVST GRD 464289511   816 15,838 SH   SOLE   0 0 15,838
ISHARES TR NATIONAL MUN ETF 464288414   676 6,281 SH   SOLE   0 0 6,281
ISHARES TR U.S. FINLS ETF 464287788   475 4,968 SH   SOLE   0 0 4,968
ISHARES TR RUS 2000 VAL ETF 464287630   469 2,956 SH   SOLE   0 0 2,956
ISHARES TR CORE S&P MCP ETF 464287507   391 6,439 SH   SOLE   0 0 6,439
ISHARES TR GLOBAL ENERG ETF 464287341   379 8,827 SH   SOLE   0 0 8,827
ISHARES TR RUS 1000 VAL ETF 464287598   369 2,058 SH   SOLE   0 0 2,058
ISHARES TR RUS MD CP GR ETF 464287481   365 3,198 SH   SOLE   0 0 3,198
ISHARES TR RUS 2000 GRW ETF 464287648   262 967 SH   SOLE   0 0 967
ISHARES TR RUS MDCP VAL ETF 464287473   253 2,020 SH   SOLE   0 0 2,020
ISHARES TR 3 7 YR TREAS BD 464288661   206 1,775 SH   SOLE   0 0 1,775
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,387 27,489 SH   SOLE   0 0 27,489
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   363 6,272 SH   SOLE   0 0 6,272
JOHNSON & JOHNSON COM 478160104   3,855 24,366 SH   SOLE   0 0 24,366
JPMORGAN CHASE & CO COM 46625H100   4,593 22,929 SH   SOLE   0 0 22,929
KLA CORP COM NEW 482480100   282 403 SH   SOLE   0 0 403
LAM RESEARCH CORP COM 512807108   502 516 SH   SOLE   0 0 516
LINDE PLC SHS G54950103   615 1,325 SH   SOLE   0 0 1,325
LOCKHEED MARTIN CORP COM 539830109   290 639 SH   SOLE   0 0 639
LOWES COS INC COM 548661107   212 830 SH   SOLE   0 0 830
MARSH & MCLENNAN COS INC COM 571748102   631 3,062 SH   SOLE   0 0 3,062
MASTERCARD INCORPORATED CL A 57636Q104   2,259 4,690 SH   SOLE   0 0 4,690
MCDONALDS CORP COM 580135101   733 2,600 SH   SOLE   0 0 2,600
MEDTRONIC PLC SHS G5960L103   332 3,814 SH   SOLE   0 0 3,814
MERCK & CO INC COM 58933Y105   3,828 29,013 SH   SOLE   0 0 29,013
META PLATFORMS INC CL A 30303M102   1,686 3,473 SH   SOLE   0 0 3,473
METLIFE INC COM 59156R108   503 6,791 SH   SOLE   0 0 6,791
MICROSOFT CORP COM 594918104   20,621 49,014 SH   SOLE   0 0 49,014
MONDELEZ INTL INC CL A 609207105   248 3,545 SH   SOLE   0 0 3,545
MORGAN STANLEY COM NEW 617446448   287 3,049 SH   SOLE   0 0 3,049
NETFLIX INC COM 64110L106   738 1,215 SH   SOLE   0 0 1,215
NEW YORK CMNTY BANCORP INC COM 649445103   149 46,258 SH   SOLE   0 0 46,258
NEWBURY STREET ACQUISITN COR *W EXP 04/30/202 65101L112   2 46,853 SH   SOLE   0 0 46,853
NEXTERA ENERGY INC COM 65339F101   568 8,888 SH   SOLE   0 0 8,888
NIKE INC CL B 654106103   578 6,152 SH   SOLE   0 0 6,152
NOVARTIS AG SPONSORED ADR 66987V109   214 2,214 SH   SOLE   0 0 2,214
NOVO-NORDISK A S ADR 670100205   2,827 22,019 SH   SOLE   0 0 22,019
NVIDIA CORPORATION COM 67066G104   3,431 3,797 SH   SOLE   0 0 3,797
OCCIDENTAL PETE CORP COM 674599105   274 4,212 SH   SOLE   0 0 4,212
ORACLE CORP COM 68389X105   1,628 12,960 SH   SOLE   0 0 12,960
PALO ALTO NETWORKS INC COM 697435105   703 2,474 SH   SOLE   0 0 2,474
PEAPACK-GLADSTONE FINL CORP COM 704699107   203 8,329 SH   SOLE   0 0 8,329
PEPSICO INC COM 713448108   1,348 7,701 SH   SOLE   0 0 7,701
PFIZER INC COM 717081103   2,825 101,791 SH   SOLE   0 0 101,791
PGIM ETF TR PGIM ULTRA SH BD 69344A107   350 7,034 SH   SOLE   0 0 7,034
PHILIP MORRIS INTL INC COM 718172109   450 4,916 SH   SOLE   0 0 4,916
PHILLIPS 66 COM 718546104   370 2,263 SH   SOLE   0 0 2,263
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   2,244 22,317 SH   SOLE   0 0 22,317
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   1,129 11,900 SH   SOLE   0 0 11,900
PNC FINL SVCS GROUP INC COM 693475105   236 1,459 SH   SOLE   0 0 1,459
PROCTER AND GAMBLE CO COM 742718109   3,955 24,379 SH   SOLE   0 0 24,379
PRUDENTIAL FINL INC COM 744320102   349 2,975 SH   SOLE   0 0 2,975
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,301 19,487 SH   SOLE   0 0 19,487
QUALCOMM INC COM 747525103   755 4,459 SH   SOLE   0 0 4,459
REGENERON PHARMACEUTICALS COM 75886F107   538 559 SH   SOLE   0 0 559
REPUBLIC SVCS INC COM 760759100   202 1,057 SH   SOLE   0 0 1,057
RTX CORPORATION COM 75513E101   203 2,079 SH   SOLE   0 0 2,079
SALESFORCE INC COM 79466L302   408 1,355 SH   SOLE   0 0 1,355
SCHLUMBERGER LTD COM STK 806857108   209 3,810 SH   SOLE   0 0 3,810
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   731 8,983 SH   SOLE   0 0 8,983
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   562 6,065 SH   SOLE   0 0 6,065
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   470 7,568 SH   SOLE   0 0 7,568
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   445 11,409 SH   SOLE   0 0 11,409
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   302 6,130 SH   SOLE   0 0 6,130
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   230 3,419 SH   SOLE   0 0 3,419
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   218 4,891 SH   SOLE   0 0 4,891
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   535 3,619 SH   SOLE   0 0 3,619
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   416 2,000 SH   SOLE   0 0 2,000
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   319 7,567 SH   SOLE   0 0 7,567
SELECT SECTOR SPDR TR ENERGY 81369Y506   214 2,268 SH   SOLE   0 0 2,268
SHERWIN WILLIAMS CO COM 824348106   416 1,198 SH   SOLE   0 0 1,198
SOUTHERN CO COM 842587107   530 7,394 SH   SOLE   0 0 7,394
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   226 568 SH   SOLE   0 0 568
SPDR GOLD TR GOLD SHS 78463V107   647 3,145 SH   SOLE   0 0 3,145
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,440 2,753 SH   SOLE   0 0 2,753
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,762 4,964 SH   SOLE   0 0 4,964
SPDR SER TR BBG CONV SEC ETF 78464A359   520 7,126 SH   SOLE   0 0 7,126
SPDR SER TR PRTFLO S&P500 GW 78464A409   427 5,833 SH   SOLE   0 0 5,833
SPDR SER TR S&P HOMEBUILD 78464A888   303 2,719 SH   SOLE   0 0 2,719
STANLEY BLACK & DECKER INC COM 854502101   241 2,460 SH   SOLE   0 0 2,460
STARBUCKS CORP COM 855244109   647 7,082 SH   SOLE   0 0 7,082
STRYKER CORPORATION COM 863667101   1,178 3,293 SH   SOLE   0 0 3,293
TERAWULF INC COM 88080T104   116 44,100 SH   SOLE   0 0 44,100
TESLA INC COM 88160R101   954 5,428 SH   SOLE   0 0 5,428
TEXAS INSTRS INC COM 882508104   281 1,614 SH   SOLE   0 0 1,614
THE CIGNA GROUP COM 125523100   214 588 SH   SOLE   0 0 588
THERMO FISHER SCIENTIFIC INC COM 883556102   413 711 SH   SOLE   0 0 711
TJX COS INC NEW COM 872540109   935 9,215 SH   SOLE   0 0 9,215
T-MOBILE US INC COM 872590104   267 1,637 SH   SOLE   0 0 1,637
TOTALENERGIES SE SPONSORED ADS 89151E109   430 6,250 SH   SOLE   0 0 6,250
TRUIST FINL CORP COM 89832Q109   270 6,922 SH   SOLE   0 0 6,922
UNION PAC CORP COM 907818108   788 3,204 SH   SOLE   0 0 3,204
UNITED PARCEL SERVICE INC CL B 911312106   684 4,605 SH   SOLE   0 0 4,605
UNITEDHEALTH GROUP INC COM 91324P102   798 1,612 SH   SOLE   0 0 1,612
VALLEY NATL BANCORP COM 919794107   699 87,832 SH   SOLE   0 0 87,832
VANGUARD BD INDEX FDS INTERMED TERM 921937819   795 10,544 SH   SOLE   0 0 10,544
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   503 6,566 SH   SOLE   0 0 6,566
VANGUARD INDEX FDS GROWTH ETF 922908736   14,155 41,124 SH   SOLE   0 0 41,124
VANGUARD INDEX FDS VALUE ETF 922908744   6,636 40,747 SH   SOLE   0 0 40,747
VANGUARD INDEX FDS TOTAL STK MKT 922908769   711 2,737 SH   SOLE   0 0 2,737
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   594 1,235 SH   SOLE   0 0 1,235
VANGUARD INDEX FDS SMALL CP ETF 922908751   463 2,024 SH   SOLE   0 0 2,024
VANGUARD INDEX FDS MID CAP ETF 922908629   362 1,449 SH   SOLE   0 0 1,449
VANGUARD INDEX FDS SML CP GRW ETF 922908595   338 1,298 SH   SOLE   0 0 1,298
VANGUARD INDEX FDS SM CP VAL ETF 922908611   263 1,373 SH   SOLE   0 0 1,373
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   225 955 SH   SOLE   0 0 955
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,385 17,201 SH   SOLE   0 0 17,201
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   306 6,700 SH   SOLE   0 0 6,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   235 3,042 SH   SOLE   0 0 3,042
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   201 3,458 SH   SOLE   0 0 3,458
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   313 1,713 SH   SOLE   0 0 1,713
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,135 18,821 SH   SOLE   0 0 18,821
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,241 10,261 SH   SOLE   0 0 10,261
VANGUARD WORLD FD INF TECH ETF 92204A702   8,501 16,212 SH   SOLE   0 0 16,212
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   3,199 11,827 SH   SOLE   0 0 11,827
VANGUARD WORLD FD ENERGY ETF 92204A306   2,879 21,863 SH   SOLE   0 0 21,863
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,756 12,314 SH   SOLE   0 0 12,314
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   709 2,906 SH   SOLE   0 0 2,906
VANGUARD WORLD FD FINANCIALS ETF 92204A405   338 3,304 SH   SOLE   0 0 3,304
VANGUARD WORLD FD MATERIALS ETF 92204A801   231 1,128 SH   SOLE   0 0 1,128
VERIZON COMMUNICATIONS INC COM 92343V104   3,682 87,748 SH   SOLE   0 0 87,748
VISA INC COM CL A 92826C839   2,070 7,418 SH   SOLE   0 0 7,418
WALMART INC COM 931142103   848 14,090 SH   SOLE   0 0 14,090
WARNER BROS DISCOVERY INC COM SER A 934423104   110 12,610 SH   SOLE   0 0 12,610
WASTE MGMT INC DEL COM 94106L109   325 1,524 SH   SOLE   0 0 1,524
WATSCO INC COM 942622200   402 930 SH   SOLE   0 0 930
WELLS FARGO CO NEW COM 949746101   515 8,892 SH   SOLE   0 0 8,892