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   1,845 11,419 SH   SOLE   0 0 11,419
ALPHABET INC CAP STK CL A 02079K305   906 10,272 SH   SOLE   0 0 10,272
ALPHABET INC CAP STK CL C 02079K107   1,769 19,938 SH   SOLE   0 0 19,938
AMAZON COM INC COM 023135106   4,390 52,265 SH   SOLE   0 0 52,265
APPLE INC COM 037833100   8,441 64,963 SH   SOLE   0 0 64,963
AT&T INC COM 00206R102   355 19,265 SH   SOLE   0 0 19,265
BANK AMERICA CORP COM 060505104   550 16,615 SH   SOLE   0 0 16,615
BGC PARTNERS INC CL A 05541T101   39 10,250 SH   SOLE   0 0 10,250
BLACKSTONE INC COM 09260D107   867 11,688 SH   SOLE   0 0 11,688
CITIGROUP INC COM NEW 172967424   490 10,829 SH   SOLE   0 0 10,829
COCA COLA CO COM 191216100   1,233 19,384 SH   SOLE   0 0 19,384
COMCAST CORP NEW CL A 20030N101   1,071 30,625 SH   SOLE   0 0 30,625
COSTAR GROUP INC COM 22160N109   1,073 13,888 SH   SOLE   0 0 13,888
CSX CORP COM 126408103   793 25,599 SH   SOLE   0 0 25,599
DOW INC COM 260557103   881 17,493 SH   SOLE   0 0 17,493
ELANCO ANIMAL HEALTH INC COM 28414H103   127 10,414 SH   SOLE   0 0 10,414
ENBRIDGE INC COM 29250N105   444 11,353 SH   SOLE   0 0 11,353
EXXON MOBIL CORP COM 30231G102   3,219 29,185 SH   SOLE   0 0 29,185
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   3,770 75,238 SH   SOLE   0 0 75,238
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   3,953 200,268 SH   SOLE   0 0 200,268
FORD MTR CO DEL COM 345370860   124 10,647 SH   SOLE   0 0 10,647
FRONTLINE LTD SHS NEW G3682E192   162 13,335 SH   SOLE   0 0 13,335
GENERAL MTRS CO COM 37045V100   696 20,702 SH   SOLE   0 0 20,702
GILEAD SCIENCES INC COM 375558103   951 11,080 SH   SOLE   0 0 11,080
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   720 12,172 SH   SOLE   0 0 12,172
HERCULES CAPITAL INC COM 427096508   184 13,893 SH   SOLE   0 0 13,893
ICICI BANK LIMITED ADR 45104G104   421 19,251 SH   SOLE   0 0 19,251
INDEPENDENCE RLTY TR INC COM 45378A106   179 10,600 SH   SOLE   0 0 10,600
INTEL CORP COM 458140100   697 26,386 SH   SOLE   0 0 26,386
INVESCO EXCH TRADED FD TR II NASDAQNXTGEN100 46138G631   613 25,640 SH   SOLE   0 0 25,640
INVESCO QQQ TR UNIT SER 1 46090E103   4,282 16,082 SH   SOLE   0 0 16,082
ISHARES TR SHORT TREAS BD 464288679   2,888 26,274 SH   SOLE   0 0 26,274
ISHARES TR RUS MID CAP ETF 464287499   1,009 14,959 SH   SOLE   0 0 14,959
ISHARES TR MSCI EAFE ETF 464287465   4,658 70,966 SH   SOLE   0 0 70,966
ISHARES TR 1 3 YR TREAS BD 464287457   6,185 76,202 SH   SOLE   0 0 76,202
ISHARES TR RUSSELL 2000 ETF 464287655   7,610 43,644 SH   SOLE   0 0 43,644
ISHARES TR SHRT NAT MUN ETF 464288158   13,944 133,726 SH   SOLE   0 0 133,726
ISHARES TR NATIONAL MUN ETF 464288414   9,968 94,465 SH   SOLE   0 0 94,465
ISHARES TR CORE MSCI EAFE 46432F842   17,143 278,111 SH   SOLE   0 0 278,111
ISHARES TR CORE S&P SCP ETF 464287804   9,935 104,982 SH   SOLE   0 0 104,982
ISHARES TR CORE S&P MCP ETF 464287507   34,681 143,375 SH   SOLE   0 0 143,375
ISHARES TR RUS 1000 GRW ETF 464287614   23,532 109,838 SH   SOLE   0 0 109,838
ISHARES TR PFD AND INCM SEC 464288687   610 19,978 SH   SOLE   0 0 19,978
ISHARES TR RUS 1000 VAL ETF 464287598   17,818 117,497 SH   SOLE   0 0 117,497
JPMORGAN CHASE & CO COM 46625H100   3,331 24,843 SH   SOLE   0 0 24,843
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   28 12,700 SH   SOLE   0 0 12,700
MERCK & CO INC COM 58933Y105   1,465 13,114 SH   SOLE   0 0 13,114
MICROSOFT CORP COM 594918104   8,281 34,529 SH   SOLE   0 0 34,529
NOKIA CORP SPONSORED ADR 654902204   172 37,163 SH   SOLE   0 0 37,163
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   203 17,965 SH   SOLE   0 0 17,965
NVIDIA CORPORATION COM 67066G104   1,659 11,355 SH   SOLE   0 0 11,355
PFIZER INC COM 717081103   519 10,125 SH   SOLE   0 0 10,125
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   4,488 140,553 SH   SOLE   0 0 140,553
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   5,811 64,737 SH   SOLE   0 0 64,737
PIMCO HIGH INCOME FD COM SHS 722014107   49 10,398 SH   SOLE   0 0 10,398
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   849 17,602 SH   SOLE   0 0 17,602
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   3,428 25,230 SH   SOLE   0 0 25,230
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,748 51,106 SH   SOLE   0 0 51,106
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,224 16,275 SH   SOLE   0 0 16,275
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,429 12,262 SH   SOLE   0 0 12,262
VANGUARD INDEX FDS VALUE ETF 922908744   38,690 275,629 SH   SOLE   0 0 275,629
VANGUARD INDEX FDS GROWTH ETF 922908736   33,689 158,082 SH   SOLE   0 0 158,082
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   39,059 111,171 SH   SOLE   0 0 111,171
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   19,595 260,602 SH   SOLE   0 0 260,602
VERIZON COMMUNICATIONS INC COM 92343V104   1,053 26,732 SH   SOLE   0 0 26,732