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
Apple Inc Stock 037833100   1,881,383 10,971 SH   SOLE 0 0 0 10,971
iShares MSCI ACWI ETF ETF 464288257   7,017,779 63,722 SH   SOLE 0 0 0 63,722
Advanced Micro Devices, Inc Stock 007903107   254,310 1,409 SH   SOLE 0 0 0 1,409
Amazon.com, Inc Stock 023135106   354,446 1,965 SH   SOLE 0 0 0 1,965
Avantis International Small Cap Value ETF ETF 025072802   401,996 6,103 SH   SOLE 0 0 0 6,103
Avantis U.S. Small Cap Value ETF ETF 025072877   1,082,079 11,547 SH   SOLE 0 0 0 11,547
SPDR Bloomberg Barclays 1-3 Month T-Bill ETF ETF 78468R663   466,165 5,078 SH   SOLE 0 0 0 5,078
Vanguard Total International Bond Index Fund ETF Shares ETF 92203J407   247,233 5,026 SH   SOLE 0 0 0 5,026
Pacer US Cash Cows 100 ETF ETF 69374H881   2,037,532 35,063 SH   SOLE 0 0 0 35,063
Xtrackers MSCI EAFE Hedged Equity ETF ETF 233051200   271,635 6,636 SH   SOLE 0 0 0 6,636
WisdomTree Emerging Markets High Dividend Fund ETF 97717W315   566,190 13,532 SH   SOLE 0 0 0 13,532
DFA Dimensional Core Fixed Income ETF ETF 25434V872   230,179 5,487 SH   SOLE 0 0 0 5,487
DIMENSIONAL ETF TRUST INTERNATNAL VAL ETF 25434V807   972,267 26,456 SH   SOLE 0 0 0 26,456
iShares Select Dividend ETF ETF 464287168   843,057 6,844 SH   SOLE 0 0 0 6,844
WisdomTree Japan Hedged Equity Fund ETF 97717W851   843,945 7,778 SH   SOLE 0 0 0 7,778
Consolidated Edison, Inc ETF 209115104   329,060 3,623 SH   SOLE 0 0 0 3,623
SPDR S&P Emerging Markets Dividend ETF ETF 78463X533   228,060 6,805 SH   SOLE 0 0 0 6,805
iShares MSCI EAFE Growth ETF ETF 464288885   558,596 5,381 SH   SOLE 0 0 0 5,381
Invesco S&P 100 Equal Weight ETF ETF 46137V449   4,325,736 45,586 SH   SOLE 0 0 0 45,586
FIDELITY ENHANCED LARGE CAP CORE ETF ETF 316092113   4,636,122 157,156 SH   SOLE 0 0 0 157,156
Fidelity MSCI Energy Index ETF ETF 316092402   514,270 19,879 SH   SOLE 0 0 0 19,879
SPDR Euro Stoxx 50 ETF ETF 78463X202   472,531 8,992 SH   SOLE 0 0 0 8,992
Franklin LibertyQ International Equity Hedged ETF ETF 35473P108   243,968 7,579 SH   SOLE 0 0 0 7,579
Fidelity MSCI Information Technology Index ETF ETF 316092808   230,416 1,478 SH   SOLE 0 0 0 1,478
Grayscale Bitcoin Trust Stock 389637109   354,573 5,613 SH   SOLE 0 0 0 5,613
Alphabet Inc Stock 02079K107   372,884 2,449 SH   SOLE 0 0 0 2,449
Alphabet Inc Stock 02079K305   400,719 2,655 SH   SOLE 0 0 0 2,655
The Home Depot, Inc Stock 437076102   298,878 779 SH   SOLE 0 0 0 779
iShares Core High Dividend ETF ETF 46429B663   248,881 2,258 SH   SOLE 0 0 0 2,258
The Hershey Company Stock 427866108   246,042 1,265 SH   SOLE 0 0 0 1,265
SPDR Nuveen Bloomberg Barclays High Yield Municipal Bond ETF ETF 78464A284   290,046 11,290 SH   SOLE 0 0 0 11,290
iShares U.S. Infrastructure ETF ETF 46435U713   378,704 8,733 SH   SOLE 0 0 0 8,733
iShares Short-Term Corporate Bond ETF ETF 464288646   422,771 8,244 SH   SOLE 0 0 0 8,244
INNOVATION PHARMACEUTICALS ICOM Stock 45782D100   796 55,894 SH   SOLE 0 0 0 55,894
iShares Core S&P Total U.S. Stock Market ETF ETF 464287150   2,860,801 24,811 SH   SOLE 0 0 0 24,811
iShares Core Total USD Bond Market ETF ETF 46434V613   236,620 5,190 SH   SOLE 0 0 0 5,190
iShares Core S&P U.S. Growth ETF ETF 464287671   4,316,637 36,828 SH   SOLE 0 0 0 36,828
iShares Core S&P U.S. Value ETF ETF 464287663   5,142,246 56,858 SH   SOLE 0 0 0 56,858
iShares S&P 500 Value ETF ETF 464287408   2,167,424 11,602 SH   SOLE 0 0 0 11,602
iShares Core S&P 500 ETF ETF 464287200   5,900,579 11,223 SH   SOLE 0 0 0 11,223
iShares S&P 500 Growth ETF ETF 464287309   1,177,858 13,949 SH   SOLE 0 0 0 13,949
iShares Russell 1000 Growth ETF ETF 464287614   3,601,844 10,686 SH   SOLE 0 0 0 10,686
iShares Global Tech ETF ETF 464287291   1,309,812 17,508 SH   SOLE 0 0 0 17,508
iShares Core MSCI Total International Stock ETF ETF 46432F834   280,230 4,129 SH   SOLE 0 0 0 4,129
JANUS DETROIT STR TR HENDRSON AAA CL ETF 47103U845   629,348 12,403 SH   SOLE 0 0 0 12,403
Janus Henderson Mortgage-Backed Securities ETF ETF 47103U852   256,645 5,690 SH   SOLE 0 0 0 5,690
JANUS DETROIT STR TR JANUS HENDERSON B BBB CLO ETF ETF 47103U753   327,558 6,699 SH   SOLE 0 0 0 6,699
JPMorgan U.S. Momentum Factor ETF ETF 46641Q779   1,522,322 28,897 SH   SOLE 0 0 0 28,897
JP Morgan Chase & Co. Stock 46625H100   315,202 1,573 SH   SOLE 0 0 0 1,573
JPMorgan Ultra-Short Municipal Income ETF ETF 46641Q654   1,577,796 31,095 SH   SOLE 0 0 0 31,095
JPMorgan Ultra-Short Income ETF ETF 46641Q837   1,241,357 24,605 SH   SOLE 0 0 0 24,605
JPMorgan U.S. Quality Factor ETF ETF 46641Q761   4,650,826 87,967 SH   SOLE 0 0 0 87,967
Mastercard Incorporated Stock 57636Q104   2,264,794 4,702 SH   SOLE 0 0 0 4,702
Merck & Co Stock 58933Y105   255,375 1,935 SH   SOLE 0 0 0 1,935
Microsoft Corporation Stock 594918104   996,444 2,368 SH   SOLE 0 0 0 2,368
iShares Interest Rate Hedged Corporate Bond ETF ETF 46431W705   953,657 10,140 SH   SOLE 0 0 0 10,140
Netflix, Inc Stock 64110L106   465,822 767 SH   SOLE 0 0 0 767
iShares National Muni Bond ETF ETF 464288414   714,743 6,642 SH   SOLE 0 0 0 6,642
iShares S&P 100 ETF ETF 464287101   839,402 3,392 SH   SOLE 0 0 0 3,392
Public Service Enterprise Group Incorporated Stock 744573106   520,591 7,795 SH   SOLE 0 0 0 7,795
Pfizer Inc Stock 717081103   790,379 28,482 SH   SOLE 0 0 0 28,482
Invesco QQQ Trust ETF 46090E103   225,971 508 SH   SOLE 0 0 0 508
iShares Edge MSCI USA Quality Factor ETF ETF 46432F339   253,890 1,544 SH   SOLE 0 0 0 1,544
Schwab U.S. Broad Market ETF ETF 808524102   303,464 4,970 SH   SOLE 0 0 0 4,970
iShares Short Treasury Bond ETF ETF 464288679   20,272,230 183,392 SH   SOLE 0 0 0 183,392
iShares 1-3 Year Treasury Bond ETF ETF 464287457   378,213 4,624 SH   SOLE 0 0 0 4,624
Invesco Russell 1000 Dynamic Multifactor ETF ETF 46138J619   1,550,275 28,069 SH   SOLE 0 0 0 28,069
VanEck Vectors Semiconductor ETF ETF 92189F676   276,196 1,227 SH   SOLE 0 0 0 1,227
SPDR Portfolio S&P 1500 Composite Stock Market ETF ETF 78464A805   314,611 4,904 SH   SOLE 0 0 0 4,904
Invesco S&P 500 Momentum ETF ETF 46138E339   573,890 7,153 SH   SOLE 0 0 0 7,153
SPDR Portfolio S&P 500 Growth ETF ETF 78464A409   275,772 3,769 SH   SOLE 0 0 0 3,769
iShares 0-5 Year TIPS Bond ETF ETF 46429B747   490,230 4,930 SH   SOLE 0 0 0 4,930
iShares Short-Term National Muni Bond ETF ETF 464288158   369,215 3,525 SH   SOLE 0 0 0 3,525
SPDR S&P 500 ETF Trust ETF 78462F103   1,298,864 2,483 SH   SOLE 0 0 0 2,483
iShares Treasury Floating Rate Bond ETF ETF 46434V860   975,483 19,244 SH   SOLE 0 0 0 19,244
iShares Edge MSCI Min Vol USA ETF ETF 46429B697   5,781,834 69,177 SH   SOLE 0 0 0 69,177
Vanguard FTSE Developed Markets Index Fund ETF Shares ETF 921943858   292,574 5,831 SH   SOLE 0 0 0 5,831
Vanguard Dividend Appreciation Index Fund ETF Shares ETF 921908844   242,140 1,326 SH   SOLE 0 0 0 1,326
iShares Edge MSCI USA Value Factor ETF ETF 46432F388   218,910 2,021 SH   SOLE 0 0 0 2,021
iShares 10-20 Year Treasury Bond ETF ETF 464288653   245,724 2,339 SH   SOLE 0 0 0 2,339
Vanguard Total Stock Market Index Fund ETF Shares ETF 922908769   331,173 1,274 SH   SOLE 0 0 0 1,274
Vanguard S&P 500 ETF ETF 922908363   969,332 2,016 SH   SOLE 0 0 0 2,016
Zoetis Inc Stock 98978V103   468,297 2,767 SH   SOLE 0 0 0 2,767
CHARGE ENTERPRISES INC COM Stock 159610104   885 95,812 SH   SOLE 0 0 0 95,812
GLOBAL X FDS GLOBAL X ADAPTIVE US FACTOR ETF ETF 37954Y574   297,860 7,288 SH   SOLE 0 0 0 7,288
Health Care Select Sector SPDR Fund ETF 81369Y209   887,683 6,008 SH   SOLE 0 0 0 6,008