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
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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
ABBOTT LABS COM 002824100   1,083,770 9,871 SH   SOLE   0 0 9,871
ABBVIE INC COM 00287Y109   1,845,466 11,419 SH   SOLE   0 0 11,419
ADOBE SYSTEMS INCORPORATED COM 00724F101   680,127 2,021 SH   SOLE   0 0 2,021
ALIGN TECHNOLOGY INC COM 016255101   240,637 1,141 SH   SOLE   0 0 1,141
ALPHABET INC CAP STK CL A 02079K305   906,299 10,272 SH   SOLE   0 0 10,272
ALPHABET INC CAP STK CL C 02079K107   1,769,099 19,938 SH   SOLE   0 0 19,938
AMAZON COM INC COM 023135106   4,390,271 52,265 SH   SOLE   0 0 52,265
AMERICAN EXPRESS CO COM 025816109   298,875 2,023 SH   SOLE   0 0 2,023
AMERICAN TOWER CORP NEW COM 03027X100   373,638 1,764 SH   SOLE   0 0 1,764
APPLE INC COM 037833100   8,440,662 64,963 SH   SOLE   0 0 64,963
ARISTA NETWORKS INC COM 040413106   417,444 3,440 SH   SOLE   0 0 3,440
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,222,092 2,237 SH   SOLE   0 0 2,237
AT&T INC COM 00206R102   354,662 19,265 SH   SOLE   0 0 19,265
BANK AMERICA CORP COM 060505104   550,284 16,615 SH   SOLE   0 0 16,615
BECTON DICKINSON & CO COM 075887109   775,894 3,051 SH   SOLE   0 0 3,051
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   895,785 2,900 SH   SOLE   0 0 2,900
BGC PARTNERS INC CL A 05541T101   38,643 10,250 SH   SOLE   0 0 10,250
BLACKROCK INC COM 09247X101   1,057,985 1,493 SH   SOLE   0 0 1,493
BLACKSTONE INC COM 09260D107   867,133 11,688 SH   SOLE   0 0 11,688
BOOKING HOLDINGS INC COM 09857L108   245,864 122 SH   SOLE   0 0 122
BORGWARNER INC COM 099724106   290,967 7,229 SH   SOLE   0 0 7,229
BOSTON SCIENTIFIC CORP COM 101137107   457,055 9,878 SH   SOLE   0 0 9,878
BRISTOL-MYERS SQUIBB CO COM 110122108   418,231 5,813 SH   SOLE   0 0 5,813
BROADCOM INC COM 11135F101   3,270,720 5,850 SH   SOLE   0 0 5,850
CAPITAL ONE FINL CORP COM 14040H105   371,840 4,000 SH   SOLE   0 0 4,000
CATERPILLAR INC COM 149123101   524,457 2,189 SH   SOLE   0 0 2,189
CHEVRON CORP NEW COM 166764100   1,694,075 9,438 SH   SOLE   0 0 9,438
CHIPOTLE MEXICAN GRILL INC COM 169656105   706,232 509 SH   SOLE   0 0 509
CHUBB LIMITED COM H1467J104   949,816 4,290 SH   SOLE   0 0 4,290
CIGNA CORP NEW COM 125523100   1,036,432 3,128 SH   SOLE   0 0 3,128
CISCO SYS INC COM 17275R102   382,195 8,023 SH   SOLE   0 0 8,023
CITIGROUP INC COM NEW 172967424   489,778 10,829 SH   SOLE   0 0 10,829
CME GROUP INC COM 12572Q105   890,912 5,298 SH   SOLE   0 0 5,298
COCA COLA CO COM 191216100   1,233,031 19,384 SH   SOLE   0 0 19,384
COMCAST CORP NEW CL A 20030N101   1,070,956 30,625 SH   SOLE   0 0 30,625
CONOCOPHILLIPS COM 20825C104   233,135 1,976 SH   SOLE   0 0 1,976
COSTAR GROUP INC COM 22160N109   1,073,265 13,888 SH   SOLE   0 0 13,888
COSTCO WHSL CORP NEW COM 22160K105   1,272,990 2,789 SH   SOLE   0 0 2,789
CROWDSTRIKE HLDGS INC CL A 22788C105   232,059 2,204 SH   SOLE   0 0 2,204
CSX CORP COM 126408103   793,071 25,599 SH   SOLE   0 0 25,599
CVS HEALTH CORP COM 126650100   739,835 7,939 SH   SOLE   0 0 7,939
DEXCOM INC COM 252131107   616,252 5,442 SH   SOLE   0 0 5,442
DISNEY WALT CO COM 254687106   674,307 7,761 SH   SOLE   0 0 7,761
DOCUSIGN INC COM 256163106   452,892 8,172 SH   SOLE   0 0 8,172
DOW INC COM 260557103   881,447 17,493 SH   SOLE   0 0 17,493
EDWARDS LIFESCIENCES CORP COM 28176E108   336,416 4,509 SH   SOLE   0 0 4,509
ELANCO ANIMAL HEALTH INC COM 28414H103   127,259 10,414 SH   SOLE   0 0 10,414
ELECTRONIC ARTS INC COM 285512109   479,434 3,924 SH   SOLE   0 0 3,924
ENBRIDGE INC COM 29250N105   443,893 11,353 SH   SOLE   0 0 11,353
EXXON MOBIL CORP COM 30231G102   3,219,064 29,185 SH   SOLE   0 0 29,185
FASTENAL CO COM 311900104   385,469 8,146 SH   SOLE   0 0 8,146
FIRST REP BK SAN FRANCISCO C COM 33616C100   239,636 1,966 SH   SOLE   0 0 1,966
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   3,953,289 200,268 SH   SOLE   0 0 200,268
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   3,770,159 75,238 SH   SOLE   0 0 75,238
FORD MTR CO DEL COM 345370860   123,829 10,647 SH   SOLE   0 0 10,647
FORTINET INC COM 34959E109   273,051 5,585 SH   SOLE   0 0 5,585
FRONTLINE LTD SHS NEW G3682E192   161,883 13,335 SH   SOLE   0 0 13,335
GARTNER INC COM 366651107   244,038 726 SH   SOLE   0 0 726
GENERAL MTRS CO COM 37045V100   696,415 20,702 SH   SOLE   0 0 20,702
GILEAD SCIENCES INC COM 375558103   951,246 11,080 SH   SOLE   0 0 11,080
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   719,712 12,172 SH   SOLE   0 0 12,172
GUIDEWIRE SOFTWARE INC COM 40171V100   273,637 4,374 SH   SOLE   0 0 4,374
HERCULES CAPITAL INC COM 427096508   183,660 13,893 SH   SOLE   0 0 13,893
HILTON WORLDWIDE HLDGS INC COM 43300A203   484,212 3,832 SH   SOLE   0 0 3,832
HOME DEPOT INC COM 437076102   2,095,274 6,634 SH   SOLE   0 0 6,634
HONEYWELL INTL INC COM 438516106   1,167,018 5,446 SH   SOLE   0 0 5,446
HUMANA INC COM 444859102   1,179,304 2,302 SH   SOLE   0 0 2,302
ICICI BANK LIMITED ADR 45104G104   421,399 19,251 SH   SOLE   0 0 19,251
IDEX CORP COM 45167R104   328,110 1,437 SH   SOLE   0 0 1,437
INDEPENDENCE RLTY TR INC COM 45378A106   178,716 10,600 SH   SOLE   0 0 10,600
INTEL CORP COM 458140100   697,374 26,386 SH   SOLE   0 0 26,386
INTERCONTINENTAL EXCHANGE IN COM 45866F104   731,849 7,134 SH   SOLE   0 0 7,134
INTERNATIONAL BUSINESS MACHS COM 459200101   490,629 3,482 SH   SOLE   0 0 3,482
INTUIT COM 461202103   429,190 1,103 SH   SOLE   0 0 1,103
INTUITIVE SURGICAL INC COM NEW 46120E602   1,108,898 4,179 SH   SOLE   0 0 4,179
INVESCO EXCH TRADED FD TR II NASDAQNXTGEN100 46138G631   613,041 25,640 SH   SOLE   0 0 25,640
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   309,404 4,842 SH   SOLE   0 0 4,842
INVESCO QQQ TR UNIT SER 1 46090E103   4,282,256 16,082 SH   SOLE   0 0 16,082
ISHARES TR CORE MSCI EAFE 46432F842   17,142,758 278,111 SH   SOLE   0 0 278,111
ISHARES TR 1 3 YR TREAS BD 464287457   6,185,282 76,202 SH   SOLE   0 0 76,202
ISHARES TR RUS 1000 VAL ETF 464287598   17,818,355 117,497 SH   SOLE   0 0 117,497
ISHARES TR RUS MID CAP ETF 464287499   1,008,965 14,959 SH   SOLE   0 0 14,959
ISHARES TR MSCI EAFE ETF 464287465   4,658,190 70,966 SH   SOLE   0 0 70,966
ISHARES TR CORE S&P MCP ETF 464287507   34,681,012 143,375 SH   SOLE   0 0 143,375
ISHARES TR CORE US AGGBD ET 464287226   730,451 7,531 SH   SOLE   0 0 7,531
ISHARES TR TIPS BD ETF 464287176   288,609 2,711 SH   SOLE   0 0 2,711
ISHARES TR RUSSELL 2000 ETF 464287655   7,609,827 43,644 SH   SOLE   0 0 43,644
ISHARES TR CORE S&P SCP ETF 464287804   9,935,489 104,982 SH   SOLE   0 0 104,982
ISHARES TR RUS 1000 GRW ETF 464287614   23,531,724 109,838 SH   SOLE   0 0 109,838
ISHARES TR SHRT NAT MUN ETF 464288158   13,943,621 133,726 SH   SOLE   0 0 133,726
ISHARES TR NATIONAL MUN ETF 464288414   9,967,954 94,465 SH   SOLE   0 0 94,465
ISHARES TR 3 7 YR TREAS BD 464288661   517,005 4,500 SH   SOLE   0 0 4,500
ISHARES TR SHORT TREAS BD 464288679   2,888,085 26,274 SH   SOLE   0 0 26,274
ISHARES TR PFD AND INCM SEC 464288687   609,932 19,978 SH   SOLE   0 0 19,978
ISHARES TR US AER DEF ETF 464288760   262,871 2,350 SH   SOLE   0 0 2,350
JOHNSON & JOHNSON COM 478160104   1,019,015 5,769 SH   SOLE   0 0 5,769
JPMORGAN CHASE & CO COM 46625H100   3,331,494 24,843 SH   SOLE   0 0 24,843
KEYSIGHT TECHNOLOGIES INC COM 49338L103   424,596 2,482 SH   SOLE   0 0 2,482
L3HARRIS TECHNOLOGIES INC COM 502431109   290,253 1,394 SH   SOLE   0 0 1,394
LABORATORY CORP AMER HLDGS COM NEW 50540R409   241,602 1,026 SH   SOLE   0 0 1,026
LILLY ELI & CO COM 532457108   427,166 1,168 SH   SOLE   0 0 1,168
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   27,940 12,700 SH   SOLE   0 0 12,700
LOWES COS INC COM 548661107   291,762 1,464 SH   SOLE   0 0 1,464
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   547,161 6,590 SH   SOLE   0 0 6,590
MARKETAXESS HLDGS INC COM 57060D108   545,788 1,957 SH   SOLE   0 0 1,957
MARSH & MCLENNAN COS INC COM 571748102   1,463,174 8,842 SH   SOLE   0 0 8,842
MASTERCARD INCORPORATED CL A 57636Q104   922,484 2,653 SH   SOLE   0 0 2,653
MCDONALDS CORP COM 580135101   241,532 917 SH   SOLE   0 0 917
MERCADOLIBRE INC COM 58733R102   233,562 276 SH   SOLE   0 0 276
MERCK & CO INC COM 58933Y105   1,464,541 13,114 SH   SOLE   0 0 13,114
META PLATFORMS INC CL A 30303M102   989,195 8,220 SH   SOLE   0 0 8,220
MICROCHIP TECHNOLOGY INC. COM 595017104   406,537 5,787 SH   SOLE   0 0 5,787
MICROSOFT CORP COM 594918104   8,280,861 34,529 SH   SOLE   0 0 34,529
MIDDLEBY CORP COM 596278101   383,891 2,867 SH   SOLE   0 0 2,867
MONDELEZ INTL INC CL A 609207105   301,963 4,531 SH   SOLE   0 0 4,531
MONOLITHIC PWR SYS INC COM 609839105   462,176 1,307 SH   SOLE   0 0 1,307
MORGAN STANLEY COM NEW 617446448   281,216 3,308 SH   SOLE   0 0 3,308
NETFLIX INC COM 64110L106   329,835 1,119 SH   SOLE   0 0 1,119
NIKE INC CL B 654106103   413,677 3,535 SH   SOLE   0 0 3,535
NOKIA CORP SPONSORED ADR 654902204   172,437 37,163 SH   SOLE   0 0 37,163
NORFOLK SOUTHN CORP COM 655844108   238,947 970 SH   SOLE   0 0 970
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   203,001 17,965 SH   SOLE   0 0 17,965
NVIDIA CORPORATION COM 67066G104   1,659,455 11,355 SH   SOLE   0 0 11,355
PACCAR INC COM 693718108   674,446 6,815 SH   SOLE   0 0 6,815
PALO ALTO NETWORKS INC COM 697435105   267,498 1,917 SH   SOLE   0 0 1,917
PAYPAL HLDGS INC COM 70450Y103   438,217 6,153 SH   SOLE   0 0 6,153
PFIZER INC COM 717081103   518,824 10,125 SH   SOLE   0 0 10,125
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   4,488,265 140,553 SH   SOLE   0 0 140,553
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   670,880 6,778 SH   SOLE   0 0 6,778
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   5,811,422 64,737 SH   SOLE   0 0 64,737
PIMCO HIGH INCOME FD COM SHS 722014107   49,323 10,398 SH   SOLE   0 0 10,398
PNC FINL SVCS GROUP INC COM 693475105   940,059 5,952 SH   SOLE   0 0 5,952
PROCTER AND GAMBLE CO COM 742718109   837,840 5,528 SH   SOLE   0 0 5,528
PROSHARES TR S&P 500 DV ARIST 74348A467   290,537 3,229 SH   SOLE   0 0 3,229
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   547,735 8,940 SH   SOLE   0 0 8,940
REALTY INCOME CORP COM 756109104   212,171 3,345 SH   SOLE   0 0 3,345
ROYAL GOLD INC COM 780287108   340,574 3,021 SH   SOLE   0 0 3,021
RPM INTL INC COM 749685103   292,253 2,999 SH   SOLE   0 0 2,999
SALESFORCE INC COM 79466L302   645,316 4,867 SH   SOLE   0 0 4,867
SCHWAB CHARLES CORP COM 808513105   545,335 6,550 SH   SOLE   0 0 6,550
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   849,121 17,602 SH   SOLE   0 0 17,602
SEAGEN INC COM 81181C104   208,829 1,625 SH   SOLE   0 0 1,625
SELECT SECTOR SPDR TR ENERGY 81369Y506   850,541 9,724 SH   SOLE   0 0 9,724
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,427,528 25,230 SH   SOLE   0 0 25,230
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,747,837 51,106 SH   SOLE   0 0 51,106
SELECTIVE INS GROUP INC COM 816300107   222,155 2,507 SH   SOLE   0 0 2,507
SHELL PLC SPON ADS 780259305   207,191 3,638 SH   SOLE   0 0 3,638
SHERWIN WILLIAMS CO COM 824348106   258,344 1,089 SH   SOLE   0 0 1,089
SHOPIFY INC CL A 82509L107   257,305 7,413 SH   SOLE   0 0 7,413
SIMON PPTY GROUP INC NEW COM 828806109   298,470 2,541 SH   SOLE   0 0 2,541
SMITH A O CORP COM 831865209   267,368 4,671 SH   SOLE   0 0 4,671
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,906,448 8,772 SH   SOLE   0 0 8,772
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,224,014 16,275 SH   SOLE   0 0 16,275
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,429,361 12,262 SH   SOLE   0 0 12,262
SPDR SER TR S&P DIVID ETF 78464A763   282,361 2,257 SH   SOLE   0 0 2,257
STMICROELECTRONICS N V NY REGISTRY 861012102   247,459 6,957 SH   SOLE   0 0 6,957
T-MOBILE US INC COM 872590104   220,640 1,576 SH   SOLE   0 0 1,576
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   360,858 4,844 SH   SOLE   0 0 4,844
TERADYNE INC COM 880770102   425,831 4,875 SH   SOLE   0 0 4,875
TESLA INC COM 88160R101   503,875 4,091 SH   SOLE   0 0 4,091
TEXAS INSTRS INC COM 882508104   662,414 4,009 SH   SOLE   0 0 4,009
TOTALENERGIES SE SPONSORED ADS 89151E109   272,593 4,391 SH   SOLE   0 0 4,391
TRANSUNION COM 89400J107   257,645 4,540 SH   SOLE   0 0 4,540
TREX CO INC COM 89531P105   222,910 5,266 SH   SOLE   0 0 5,266
TRUIST FINL CORP COM 89832Q109   401,255 9,325 SH   SOLE   0 0 9,325
TWILIO INC CL A 90138F102   370,382 7,565 SH   SOLE   0 0 7,565
TYLER TECHNOLOGIES INC COM 902252105   285,010 884 SH   SOLE   0 0 884
ULTA BEAUTY INC COM 90384S303   458,281 977 SH   SOLE   0 0 977
UNILEVER PLC SPON ADR NEW 904767704   223,051 4,430 SH   SOLE   0 0 4,430
UNION PAC CORP COM 907818108   776,333 3,749 SH   SOLE   0 0 3,749
UNITEDHEALTH GROUP INC COM 91324P102   340,688 643 SH   SOLE   0 0 643
UNIVERSAL DISPLAY CORP COM 91347P105   251,841 2,331 SH   SOLE   0 0 2,331
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   445,433 2,112 SH   SOLE   0 0 2,112
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   316,374 4,203 SH   SOLE   0 0 4,203
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   270,775 5,709 SH   SOLE   0 0 5,709
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   407,431 4,940 SH   SOLE   0 0 4,940
VANGUARD INDEX FDS VALUE ETF 922908744   38,690,081 275,629 SH   SOLE   0 0 275,629
VANGUARD INDEX FDS GROWTH ETF 922908736   33,688,861 158,082 SH   SOLE   0 0 158,082
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   39,058,939 111,171 SH   SOLE   0 0 111,171
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   325,543 8,352 SH   SOLE   0 0 8,352
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   342,231 5,140 SH   SOLE   0 0 5,140
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,594,680 260,602 SH   SOLE   0 0 260,602
VERIZON COMMUNICATIONS INC COM 92343V104   1,053,259 26,732 SH   SOLE   0 0 26,732
VISA INC COM CL A 92826C839   1,280,080 6,161 SH   SOLE   0 0 6,161
WASTE MGMT INC DEL COM 94106L109   220,924 1,408 SH   SOLE   0 0 1,408
WISDOMTREE TR US MIDCAP DIVID 97717W505   277,402 6,743 SH   SOLE   0 0 6,743
WISDOMTREE TR US LARGECAP FUND 97717W588   205,487 4,942 SH   SOLE   0 0 4,942
WISDOMTREE TR US S CAP QTY DIV 97717X651   245,382 6,103 SH   SOLE   0 0 6,103
WISDOMTREE TR US QTLY DIV GRT 97717X669   543,966 9,012 SH   SOLE   0 0 9,012
WISDOMTREE TR US MULTIFACTOR 97717Y857   240,594 6,399 SH   SOLE   0 0 6,399
ZOETIS INC CL A 98978V103   427,483 2,917 SH   SOLE   0 0 2,917