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
3M CO COM 88579Y101 303 2,342 SH   SOLE   2,342 0 0
ABBOTT LABS COM 002824100 424 3,903 SH   SOLE   3,903 0 0
ABBVIE INC COM 00287Y109 1,741 11,367 SH   SOLE   11,367 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 197 10,107 SH   SOLE   10,107 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 276 996 SH   SOLE   996 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 264 720 SH   SOLE   720 0 0
ADVANCED MICRO DEVICES INC COM 007903107 488 6,384 SH   SOLE   6,384 0 0
AGNC INVT CORP COM 00123Q104 123 11,149 SH   SOLE   11,149 0 0
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 442 10,638 SH   SOLE   10,638 0 0
ALPHA ARCHITECT ETF TR US QUAN MOMENTUM 02072L409 635 14,946 SH   SOLE   14,946 0 0
ALPHA ARCHITECT ETF TR US QUAN VALUE 02072L102 564 18,883 SH   SOLE   18,883 0 0
ALPHABET INC CAP STK CL A 02079K305 1,565 718 SH   SOLE   718 0 0
ALPHABET INC CAP STK CL C 02079K107 326 149 SH   SOLE   149 0 0
ALPS ETF TR OSHARES US QUALT 00162Q387 2,417 59,901 SH   SOLE   59,901 0 0
ALTRIA GROUP INC COM 02209S103 1,168 27,951 SH   SOLE   27,951 0 0
AMAZON COM INC COM 023135106 2,127 20,028 SH   SOLE   20,028 0 0
AMERICAN ELEC PWR CO INC COM 025537101 504 5,258 SH   SOLE   5,258 0 0
AMERICAN EXPRESS CO COM 025816109 238 1,714 SH   SOLE   1,714 0 0
AMERICAN TOWER CORP NEW COM 03027X100 304 1,189 SH   SOLE   1,189 0 0
AMGEN INC COM 031162100 247 1,014 SH   SOLE   1,014 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 68 11,582 SH   SOLE   11,582 0 0
APPLE INC COM 037833100 8,574 62,712 SH   SOLE   62,712 0 0
AT&T INC COM 00206R102 1,018 48,561 SH   SOLE   48,561 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 436 2,074 SH   SOLE   2,074 0 0
BED BATH & BEYOND INC COM 075896100 185 37,221 SH   SOLE   37,221 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,480 5,422 SH   SOLE   5,422 0 0
BK OF AMERICA CORP COM 060505104 566 18,172 SH   SOLE   18,172 0 0
BLACKROCK INCOME TR INC COM 09247F100 65 14,319 SH   SOLE   14,319 0 0
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 546 41,388 SH   SOLE   41,388 0 0
BLOCK INC CL A 852234103 331 5,384 SH   SOLE   5,384 0 0
BOEING CO COM 097023105 803 5,874 SH   SOLE   5,874 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 2,994 38,877 SH   SOLE   38,877 0 0
BROADCOM INC COM 11135F101 252 519 SH   SOLE   519 0 0
CATERPILLAR INC COM 149123101 313 1,753 SH   SOLE   1,753 0 0
CELANESE CORP DEL COM 150870103 471 4,008 SH   SOLE   4,008 0 0
CHEVRON CORP NEW COM 166764100 2,496 17,243 SH   SOLE   17,243 0 0
CHUBB LIMITED COM H1467J104 624 3,173 SH   SOLE   3,173 0 0
CIGNA CORP NEW COM 125523100 225 856 SH   SOLE   856 0 0
CISCO SYS INC COM 17275R102 409 9,600 SH   SOLE   9,600 0 0
COCA COLA CO COM 191216100 759 12,067 SH   SOLE   12,067 0 0
COMCAST CORP NEW CL A 20030N101 424 10,810 SH   SOLE   10,810 0 0
CONOCOPHILLIPS COM 20825C104 391 4,354 SH   SOLE   4,354 0 0
CORTEVA INC COM 22052L104 338 6,237 SH   SOLE   6,237 0 0
COSTCO WHSL CORP NEW COM 22160K105 662 1,381 SH   SOLE   1,381 0 0
CVS HEALTH CORP COM 126650100 640 6,903 SH   SOLE   6,903 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 295 7,229 SH   SOLE   7,229 0 0
DISH NETWORK CORPORATION NOTE 2.375% 3/1 25470MAD1 22 25,000 PRN   SOLE   25,000 0 0
DISNEY WALT CO COM 254687106 752 7,970 SH   SOLE   7,970 0 0
DOW INC COM 260557103 893 17,311 SH   SOLE   17,311 0 0
EATON CORP PLC SHS G29183103 348 2,766 SH   SOLE   2,766 0 0
EATON VANCE TAX ADVT DIV INC COM 27828G107 270 11,296 SH   SOLE   11,296 0 0
ELECTRONIC ARTS INC COM 285512109 277 2,276 SH   SOLE   2,276 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 425 17,423 SH   SOLE   17,423 0 0
EQUINIX INC COM 29444U700 484 736 SH   SOLE   736 0 0
ETF MANAGERS TR ETHO CLIMATE LEA 26924G888 382 8,025 SH   SOLE   8,025 0 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 242 5,392 SH   SOLE   5,392 0 0
EXXON MOBIL CORP COM 30231G102 3,414 39,860 SH   SOLE   39,860 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 913 52,965 SH   SOLE   52,965 0 0
FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD 33739H101 264 9,878 SH   SOLE   9,878 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 416 10,336 SH   SOLE   10,336 0 0
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853 256 5,914 SH   SOLE   5,914 0 0
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 1,208 29,531 SH   SOLE   29,531 0 0
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 637 13,197 SH   SOLE   13,197 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 290 2,280 SH   SOLE   2,280 0 0
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 1,215 20,466 SH   SOLE   20,466 0 0
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 1,757 39,842 SH   SOLE   39,842 0 0
FIRST TRUST LRGCP GWT ALPHAD COM SHS 33735K108 367 4,165 SH   SOLE   4,165 0 0
GENERAL ELECTRIC CO COM NEW 369604301 226 3,543 SH   SOLE   3,543 0 0
GENERAL MTRS CO COM 37045V100 364 11,470 SH   SOLE   11,470 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 283 6,512 SH   SOLE   6,512 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 233 3,103 SH   SOLE   3,103 0 0
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 407 22,911 SH   SOLE   22,911 0 0
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105 175 12,467 SH   SOLE   12,467 0 0
HOME DEPOT INC COM 437076102 849 3,094 SH   SOLE   3,094 0 0
HONEYWELL INTL INC COM 438516106 346 1,989 SH   SOLE   1,989 0 0
HUMANA INC COM 444859102 506 1,082 SH   SOLE   1,082 0 0
INTEL CORP COM 458140100 439 11,732 SH   SOLE   11,732 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 730 5,171 SH   SOLE   5,171 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 550 2,739 SH   SOLE   2,739 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 355 6,917 SH   SOLE   6,917 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 214 17,370 SH   SOLE   17,370 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 748 5,574 SH   SOLE   5,574 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 304 7,242 SH   SOLE   7,242 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 3,500 12,488 SH   SOLE   12,488 0 0
IRON MTN INC NEW COM 46284V101 278 5,704 SH   SOLE   5,704 0 0
ISHARES GOLD TR ISHARES NEW 464285204 770 22,450 SH   SOLE   22,450 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,622 94,219 SH   SOLE   94,219 0 0
ISHARES INC MSCI EMERG MRKT 464286533 1,095 19,754 SH   SOLE   19,754 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 2,059 38,967 SH   SOLE   38,967 0 0
ISHARES SILVER TR ISHARES 46428Q109 553 29,672 SH   SOLE   29,672 0 0
ISHARES TR CORE S&P TTL STK 464287150 650 7,761 SH   SOLE   7,761 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 4,478 53,371 SH   SOLE   53,371 0 0
ISHARES TR EAFE VALUE ETF 464288877 2,176 50,137 SH   SOLE   50,137 0 0
ISHARES TR CORE MSCI EAFE 46432F842 421 7,152 SH   SOLE   7,152 0 0
ISHARES TR US AER DEF ETF 464288760 335 3,380 SH   SOLE   3,380 0 0
ISHARES TR US INFRASTRUC 46435U713 283 8,320 SH   SOLE   8,320 0 0
ISHARES TR U.S. ENERGY ETF 464287796 362 9,502 SH   SOLE   9,502 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,850 96,007 SH   SOLE   96,007 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 814 12,857 SH   SOLE   12,857 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 305 3,004 SH   SOLE   3,004 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 3,842 36,708 SH   SOLE   36,708 0 0
ISHARES TR TIPS BD ETF 464287176 8,077 70,909 SH   SOLE   70,909 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,054 17,456 SH   SOLE   17,456 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 298 2,192 SH   SOLE   2,192 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 900 12,815 SH   SOLE   12,815 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 946 9,419 SH   SOLE   9,419 0 0
ISHARES TR RUS MD CP GR ETF 464287481 645 8,140 SH   SOLE   8,140 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,814 10,714 SH   SOLE   10,714 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,608 17,397 SH   SOLE   17,397 0 0
ISHARES TR EAFE GRWTH ETF 464288885 8,361 103,876 SH   SOLE   103,876 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 341 4,123 SH   SOLE   4,123 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,426 11,093 SH   SOLE   11,093 0 0
ISHARES TR FALN ANGLS USD 46435G474 1,020 41,431 SH   SOLE   41,431 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 273 2,687 SH   SOLE   2,687 0 0
ISHARES TR US TREAS BD ETF 46429B267 3,238 135,470 SH   SOLE   135,470 0 0
ISHARES TR US TRSPRTION 464287192 495 2,325 SH   SOLE   2,325 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 302 5,008 SH   SOLE   5,008 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 230 1,551 SH   SOLE   1,551 0 0
ISHARES TR NATIONAL MUN ETF 464288414 10,413 97,907 SH   SOLE   97,907 0 0
ISHARES TR CORE S&P500 ETF 464287200 8,822 23,267 SH   SOLE   23,267 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 274 1,328 SH   SOLE   1,328 0 0
ISHARES TR ISHARES SEMICDTR 464287523 438 1,253 SH   SOLE   1,253 0 0
ISHARES TR EAFE SML CP ETF 464288273 5,214 95,509 SH   SOLE   95,509 0 0
ISHARES TR MSCI EAFE ETF 464287465 590 9,446 SH   SOLE   9,446 0 0
ISHARES TR CORE TOTAL USD 46434V613 5,268 112,520 SH   SOLE   112,520 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 678 5,645 SH   SOLE   5,645 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,082 7,461 SH   SOLE   7,461 0 0
ISHARES TR IBOXX INV CP ETF 464287242 435 3,951 SH   SOLE   3,951 0 0
ISHARES TR SP SMCP600VL ETF 464287879 539 6,056 SH   SOLE   6,056 0 0
ISHARES TR JPMORGAN USD EMG 464288281 1,548 18,143 SH   SOLE   18,143 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,098 16,977 SH   SOLE   16,977 0 0
ISHARES TR CORE DIV GRWTH 46434V621 235 4,928 SH   SOLE   4,928 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 520 4,650 SH   SOLE   4,650 0 0
ISHARES TR CONV BD ETF 46435G102 503 7,252 SH   SOLE   7,252 0 0
ISHARES TR RUS 1000 ETF 464287622 234 1,125 SH   SOLE   1,125 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 389 16,362 PRN   SOLE   16,362 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,482 6,553 SH   SOLE   6,553 0 0
ISHARES TR PFD AND INCM SEC 464288687 894 27,197 SH   SOLE   27,197 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 4,960 48,483 SH   SOLE   48,483 0 0
ISHARES TR MBS ETF 464288588 1,460 14,976 SH   SOLE   14,976 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 367 8,954 SH   SOLE   8,954 0 0
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 373 12,758 SH   SOLE   12,758 0 0
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 395 8,936 SH   SOLE   8,936 0 0
JOHNSON & JOHNSON COM 478160104 2,039 11,485 SH   SOLE   11,485 0 0
JPMORGAN CHASE & CO COM 46625H100 1,539 13,669 SH   SOLE   13,669 0 0
KINDER MORGAN INC DEL COM 49456B101 401 23,908 SH   SOLE   23,908 0 0
LILLY ELI & CO COM 532457108 770 2,375 SH   SOLE   2,375 0 0
LISTED FD TR ROUNDHILL BALL 53656F417 166 20,700 SH   SOLE   20,700 0 0
LOCKHEED MARTIN CORP COM 539830109 439 1,022 SH   SOLE   1,022 0 0
MAGNA INTL INC COM 559222401 308 5,609 SH   SOLE   5,609 0 0
MANAGED PORTFOLIO SERIES TORTOISE NRAM PI 56167N720 256 10,537 SH   SOLE   10,537 0 0
MASTERCARD INCORPORATED CL A 57636Q104 582 1,845 SH   SOLE   1,845 0 0
MCDONALDS CORP COM 580135101 678 2,744 SH   SOLE   2,744 0 0
MERCK & CO INC COM 58933Y105 486 5,329 SH   SOLE   5,329 0 0
META PLATFORMS INC CL A 30303M102 549 3,402 SH   SOLE   3,402 0 0
METLIFE INC COM 59156R108 216 3,433 SH   SOLE   3,433 0 0
MICRON TECHNOLOGY INC COM 595112103 463 8,383 SH   SOLE   8,383 0 0
MICROSOFT CORP COM 594918104 5,456 21,242 SH   SOLE   21,242 0 0
MORGAN STANLEY COM NEW 617446448 574 7,548 SH   SOLE   7,548 0 0
NETFLIX INC COM 64110L106 215 1,228 SH   SOLE   1,228 0 0
NORFOLK SOUTHN CORP COM 655844108 250 1,100 SH   SOLE   1,100 0 0
NVIDIA CORPORATION COM 67066G104 1,103 7,279 SH   SOLE   7,279 0 0
ORACLE CORP COM 68389X105 342 4,889 SH   SOLE   4,889 0 0
ORAMED PHARMACEUTICALS INC COM NEW 68403P203 247 54,010 SH   SOLE   54,010 0 0
OSI ETF TR OSHS GBL INTER 67110P704 568 20,990 SH   SOLE   20,990 0 0
PARSONS CORP DEL COM 70202L102 251 6,209 SH   SOLE   6,209 0 0
PAYPAL HLDGS INC COM 70450Y103 419 6,003 SH   SOLE   6,003 0 0
PEPSICO INC COM 713448108 621 3,728 SH   SOLE   3,728 0 0
PERSHING SQUARE TONTINE HLDG COM CL A 71531R109 340 17,005 SH   SOLE   17,005 0 0
PFIZER INC COM 717081103 1,026 19,575 SH   SOLE   19,575 0 0
PHILIP MORRIS INTL INC COM 718172109 329 3,337 SH   SOLE   3,337 0 0
PHILLIPS 66 COM 718546104 285 3,474 SH   SOLE   3,474 0 0
PPG INDS INC COM 693506107 288 2,520 SH   SOLE   2,520 0 0
PROCTER AND GAMBLE CO COM 742718109 1,167 8,119 SH   SOLE   8,119 0 0
PROLOGIS INC. COM 74340W103 375 3,191 SH   SOLE   3,191 0 0
PROSHARES TR SHORT QQQ NEW 74347B714 222 15,403 SH   SOLE   15,403 0 0
PRUDENTIAL FINL INC COM 744320102 637 6,657 SH   SOLE   6,657 0 0
QUALCOMM INC COM 747525103 627 4,912 SH   SOLE   4,912 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 548 5,702 SH   SOLE   5,702 0 0
REPUBLIC SVCS INC COM 760759100 246 1,880 SH   SOLE   1,880 0 0
ROSS STORES INC COM 778296103 241 3,430 SH   SOLE   3,430 0 0
S&P GLOBAL INC COM 78409V104 453 1,343 SH   SOLE   1,343 0 0
SACHEM CAP CORP COM 78590A109 106 26,000 SH   SOLE   26,000 0 0
SALESFORCE COM INC COM 79466L302 294 1,779 SH   SOLE   1,779 0 0
SCHLUMBERGER LTD COM STK 806857108 327 9,133 SH   SOLE   9,133 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 630 14,116 SH   SOLE   14,116 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,053 46,456 SH   SOLE   46,456 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 3,414 47,658 SH   SOLE   47,658 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,221 9,520 SH   SOLE   9,520 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,103 8,676 SH   SOLE   8,676 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 567 18,016 SH   SOLE   18,016 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 287 3,286 SH   SOLE   3,286 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 789 11,251 SH   SOLE   11,251 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 276 2,010 SH   SOLE   2,010 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,810 25,315 SH   SOLE   25,315 0 0
SERVICENOW INC COM 81762P102 253 531 SH   SOLE   531 0 0
SHOPIFY INC CL A 82509L107 336 10,770 SH   SOLE   10,770 0 0
SMART SAND INC COM 83191H107 49 24,514 SH   SOLE   24,514 0 0
SOUTH JERSEY INDS INC COM 838518108 217 6,368 SH   SOLE   6,368 0 0
SOUTHERN CO COM 842587107 245 3,440 SH   SOLE   3,440 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 820 2,665 SH   SOLE   2,665 0 0
SPDR GOLD TR GOLD SHS 78463V107 961 5,702 SH   SOLE   5,702 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,414 11,701 SH   SOLE   11,701 0 0
SPDR SER TR BLOOMBERG CONV 78464A359 723 11,193 SH   SOLE   11,193 0 0
SPDR SER TR PRTFLO S&P500 HI 78468R788 365 9,151 SH   SOLE   9,151 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,403 50,993 SH   SOLE   50,993 0 0
SPDR SER TR S&P DIVID ETF 78464A763 780 6,572 SH   SOLE   6,572 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,226 23,446 SH   SOLE   23,446 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 430 10,192 SH   SOLE   10,192 0 0
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 274 17,945 SH   SOLE   17,945 0 0
SYSCO CORP COM 871829107 247 2,917 SH   SOLE   2,917 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 288 2,349 SH   SOLE   2,349 0 0
TESLA INC COM 88160R101 355 527 SH   SOLE   527 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 297 547 SH   SOLE   547 0 0
UNION PAC CORP COM 907818108 430 2,015 SH   SOLE   2,015 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,323 7,250 SH   SOLE   7,250 0 0
UNITEDHEALTH GROUP INC COM 91324P102 881 1,715 SH   SOLE   1,715 0 0
VALERO ENERGY CORP COM 91913Y100 321 3,020 SH   SOLE   3,020 0 0
VALLEY NATL BANCORP COM 919794107 132 12,645 SH   SOLE   12,645 0 0
VANECK ETF TRUST OIL SERVICES ETF 92189H607 361 1,552 SH   SOLE   1,552 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 312 11,386 SH   SOLE   11,386 0 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 1,890 29,662 SH   SOLE   29,662 0 0
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 323 3,730 SH   SOLE   3,730 0 0
VANECK ETF TRUST VANECK RUSSIA ET 92189F403 0 16,908 SH   SOLE   16,908 0 0
VANECK MERK GOLD TR GOLD TRUST 921078101 405 23,101 SH   SOLE   23,101 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 254 1,168 SH   SOLE   1,168 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 544 7,089 SH   SOLE   7,089 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 24,842 111,454 SH   SOLE   111,454 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,629 13,937 SH   SOLE   13,937 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 27,371 207,547 SH   SOLE   207,547 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,280 9,456 SH   SOLE   9,456 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,245 13,662 SH   SOLE   13,662 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 2,140 12,417 SH   SOLE   12,417 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 12,764 64,783 SH   SOLE   64,783 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,561 7,927 SH   SOLE   7,927 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 9,124 60,899 SH   SOLE   60,899 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,472 25,392 SH   SOLE   25,392 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 227 1,756 SH   SOLE   1,756 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 228 4,557 SH   SOLE   4,557 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,474 14,284 SH   SOLE   14,284 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 254 4,807 SH   SOLE   4,807 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,222 173,393 SH   SOLE   173,393 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,044 20,830 SH   SOLE   20,830 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,715 18,924 SH   SOLE   18,924 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,802 93,188 SH   SOLE   93,188 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,657 16,297 SH   SOLE   16,297 0 0
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,462 23,852 SH   SOLE   23,852 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,348 4,128 SH   SOLE   4,128 0 0
VAXART INC COM NEW 92243A200 467 133,550 SH   SOLE   133,550 0 0
VECTOR GROUP LTD COM 92240M108 147 14,000 SH   SOLE   14,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,453 28,634 SH   SOLE   28,634 0 0
VIATRIS INC COM 92556V106 128 12,182 SH   SOLE   12,182 0 0
VISA INC COM CL A 92826C839 1,246 6,331 SH   SOLE   6,331 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 163 10,466 SH   SOLE   10,466 0 0
WALMART INC COM 931142103 491 4,040 SH   SOLE   4,040 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 162 12,053 SH   SOLE   12,053 0 0
WELLS FARGO CO NEW COM 949746101 450 11,482 SH   SOLE   11,482 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 546 8,747 SH   SOLE   8,747 0 0
WISDOMTREE TR US SMALLCAP DIVD 97717W604 4,292 152,099 SH   SOLE   152,099 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 5,838 89,073 SH   SOLE   89,073 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 282 4,921 SH   SOLE   4,921 0 0