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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 818,890 4,497 SH   SOLE   4,496 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 297,989 1,651 SH   SOLE   1,651 0 0
ALLIANCEBERNSTEIN GLOBAL HIG COM 01879R106 BBG001S6LJ53 245,683 23,134 SH   SOLE   23,134 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 354,686 2,350 SH   SOLE   2,350 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,834,885 12,051 SH   SOLE   12,051 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 488,341 11,195 SH   SOLE   11,195 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,617,675 14,512 SH   SOLE   14,512 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 230,509 1,012 SH   SOLE   1,012 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,360,522 25,429 SH   SOLE   25,428 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 270,330 7,129 SH   SOLE   7,128 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 4,071,895 9,683 SH   SOLE   9,683 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 656,128 4,995 SH   SOLE   4,994 0 0
BOEING CO COM 097023105 BBG001S5P0V3 245,869 1,274 SH   SOLE   1,274 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 226,717 171 SH   SOLE   171 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 664,458 4,212 SH   SOLE   4,212 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 2,669,901 3,644 SH   SOLE   3,644 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 259,878 2,687 SH   SOLE   2,687 0 0
EATON VANCE TAX ADVT DIV INC COM 27828G107 BBG001SBKCG6 218,717 9,268 SH   SOLE   9,267 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 1,272,239 1,635 SH   SOLE   1,635 0 0
ENBRIDGE INC COM 29250N105 BBG001S6Q6D7 328,313 9,074 SH   SOLE   9,074 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 639,436 5,501 SH   SOLE   5,501 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 3,814,663 37,810 SH   SOLE   37,810 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 BBG00B0SKXY1 14,728,570 141,907 SH   SOLE   141,907 0 0
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109 BBG008748J97 286,855 4,541 SH   SOLE   4,541 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 419,309 1,093 SH   SOLE   1,093 0 0
INTUIT COM 461202103 BBG001S6TWR2 517,167 796 SH   SOLE   795 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 593,197 19,341 SH   SOLE   19,341 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,460,432 5,541 SH   SOLE   5,541 0 0
IRON MTN INC DEL COM 46284V101 BBG001SCQ2X1 402,975 5,024 SH   SOLE   5,024 0 0
ISHARES INC JP MRG EM CRP BD 464286251 BBG002WGKJD6 2,084,761 46,870 SH   SOLE   46,869 0 0
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 2,215,560 2,194,124 SH   SOLE   2,194,123 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 929,048 12,517 SH   SOLE   12,517 0 0
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 11,657,948 99,462 SH   SOLE   99,462 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,713,555 10,868 SH   SOLE   10,867 0 0
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 3,046,014 48,097 SH   SOLE   48,097 0 0
ISHARES TR ISHARES SEMICDTR 464287523 BBG001SJ8F58 1,147,660 5,080 SH   SOLE   5,079 0 0
ISHARES TR MORNINGSTAR VALU 464288109 BBG001SBRHX9 3,874,055 50,404 SH   SOLE   50,404 0 0
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 3,277,138 70,370 SH   SOLE   70,370 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 282,464 2,625 SH   SOLE   2,625 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,158,479 7,323 SH   SOLE   7,323 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,664,471 8,310 SH   SOLE   8,309 0 0
LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 166,115 13,728 SH   SOLE   13,728 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 225,946 887 SH   SOLE   887 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 741,511 3,600 SH   SOLE   3,599 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 517,123 1,074 SH   SOLE   1,073 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 292,988 1,039 SH   SOLE   1,039 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 233,566 1,770 SH   SOLE   1,770 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,488,740 3,066 SH   SOLE   3,065 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,297,449 7,838 SH   SOLE   7,837 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 8,652,716 9,576 SH   SOLE   9,576 0 0
ONEOK INC NEW COM 682680103 BBG001S5TWK1 892,299 11,130 SH   SOLE   11,130 0 0
PALO ALTO NETWORKS INC COM 697435105 BBG001T9NWN5 956,666 3,367 SH   SOLE   3,367 0 0
PFIZER INC COM 717081103 BBG001S5V466 238,551 8,596 SH   SOLE   8,596 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 682,112 7,445 SH   SOLE   7,445 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 482,732 7,229 SH   SOLE   7,228 0 0
SALESFORCE INC COM 79466L302 BBG001SDLP09 1,286,942 4,273 SH   SOLE   4,273 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 671,736 7,245 SH   SOLE   7,244 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 654,641 8,616 SH   SOLE   8,615 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 298,219 4,805 SH   SOLE   4,805 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 236,563 6,537 SH   SOLE   6,536 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,759,834 3,364 SH   SOLE   3,364 0 0
THE CIGNA GROUP COM 125523100 BBG00KXRCDQ9 831,987 2,291 SH   SOLE   2,290 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 273,667 553 SH   SOLE   553 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 480,340 6,265 SH   SOLE   6,265 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 455,855 6,276 SH   SOLE   6,276 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 228,900 4,653 SH   SOLE   4,653 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 3,736,429 10,855 SH   SOLE   10,855 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 6,427,042 27,257 SH   SOLE   27,257 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 424,842 2,214 SH   SOLE   2,214 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 756,767 3,311 SH   SOLE   3,310 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 831,681 3,190 SH   SOLE   3,189 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,608,317 22,156 SH   SOLE   22,155 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 671,017 16,065 SH   SOLE   16,064 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 203,674 4,025 SH   SOLE   4,025 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 4,444,672 88,592 SH   SOLE   88,592 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 282,114 1,043 SH   SOLE   1,042 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 393,105 9,369 SH   SOLE   9,368 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 775,870 2,780 SH   SOLE   2,780 0 0
WILLIAMS COS INC COM 969457100 BBG001S5XH10 314,790 8,078 SH   SOLE   8,077 0 0