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
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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
ABBVIE INC COM 00287Y109   752,695 3,812 SH   SOLE   0 0 3,812
ADOBE INC COM 00724F101   412,153 796 SH   SOLE   0 0 796
ADVANCED MICRO DEVICES INC COM 007903107   681,260 4,152 SH   SOLE   0 0 4,152
ALPHABET INC CAP STK CL C 02079K107   647,836 3,875 SH   SOLE   0 0 3,875
ALPHABET INC CAP STK CL A 02079K305   5,719,742 34,487 SH   SOLE   0 0 34,487
AMAZON COM INC COM 023135106   1,326,111 7,117 SH   SOLE   0 0 7,117
AMERICAN TOWER CORP NEW COM 03027X100   465,120 2,000 SH   SOLE   0 0 2,000
APPLE INC COM 037833100   5,182,276 22,242 SH   SOLE   0 0 22,242
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,850,245 4,020 SH   SOLE   0 0 4,020
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   4,054,606 75,745 SH   SOLE   0 0 75,745
BLOCK INC CL A 852234103   278,321 4,146 SH   SOLE   0 0 4,146
BROADCOM INC COM 11135F101   309,638 1,795 SH   SOLE   0 0 1,795
CHEVRON CORP NEW COM 166764100   242,864 1,649 SH   SOLE   0 0 1,649
CITIZENS FINL GROUP INC COM 174610105   622,046 15,146 SH   SOLE   0 0 15,146
COMCAST CORP NEW CL A 20030N101   219,187 5,247 SH   SOLE   0 0 5,247
CONSTELLATION ENERGY CORP COM 21037T109   385,153 1,481 SH   SOLE   0 0 1,481
CROWDSTRIKE HLDGS INC CL A 22788C105   381,159 1,359 SH   SOLE   0 0 1,359
DISNEY WALT CO COM 254687106   542,482 5,640 SH   SOLE   0 0 5,640
EA SERIES TRUST ASTORIA US EQUAL 02072L433   213,659 6,936 SH   SOLE   0 0 6,936
ELI LILLY & CO COM 532457108   855,575 966 SH   SOLE   0 0 966
EXXON MOBIL CORP COM 30231G102   508,188 4,335 SH   SOLE   0 0 4,335
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   321,652 8,957 SH   SOLE   0 0 8,957
GOLDMAN SACHS GROUP INC COM 38141G104   443,619 896 SH   SOLE   0 0 896
HARBOR ETF TRUST LONG TERM GROWER 41151J406   424,984 16,594 SH   SOLE   0 0 16,594
HARTFORD FINL SVCS GROUP INC COM 416515104   318,488 2,708 SH   SOLE   0 0 2,708
HOME DEPOT INC COM 437076102   812,831 2,006 SH   SOLE   0 0 2,006
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   212,980 5,926 SH   SOLE   0 0 5,926
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326   370,591 9,391 SH   SOLE   0 0 9,391
INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433   260,152 6,200 SH   SOLE   0 0 6,200
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   218,920 7,249 SH   SOLE   0 0 7,249
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   805,683 4,497 SH   SOLE   0 0 4,497
INVESCO EXCHANGE TRADED FD T LEISURE AND ENTE 46137V720   405,539 8,504 SH   SOLE   0 0 8,504
INVESCO QQQ TR UNIT SER 1 46090E103   634,169 1,299 SH   SOLE   0 0 1,299
ISHARES TR CORE S&P500 ETF 464287200   44,868,690 77,786 SH   SOLE   0 0 77,786
ISHARES TR GLOBAL 100 ETF 464287572   8,174,949 82,442 SH   SOLE   0 0 82,442
ISHARES TR RUS 1000 GRW ETF 464287614   23,971,087 63,858 SH   SOLE   0 0 63,858
ISHARES TR RUS TP200 GR ETF 464289438   11,248,736 51,119 SH   SOLE   0 0 51,119
ISHARES TR US AER DEF ETF 464288760   5,667,146 37,872 SH   SOLE   0 0 37,872
ISHARES TR RUSSELL 2000 ETF 464287655   482,756 2,186 SH   SOLE   0 0 2,186
ISHARES TR CORE DIV GRWTH 46434V621   396,342 6,322 SH   SOLE   0 0 6,322
ISHARES TR INTL SEL DIV ETF 464288448   748,706 24,767 SH   SOLE   0 0 24,767
ISHARES TR S&P 500 GRWT ETF 464287309   283,879 2,965 SH   SOLE   0 0 2,965
ISHARES TR FLTG RATE NT ETF 46429B655   1,830,056 35,855 SH   SOLE   0 0 35,855
ISHARES TR RUS 2000 GRW ETF 464287648   398,121 1,402 SH   SOLE   0 0 1,402
ISHARES TR RUS 1000 VAL ETF 464287598   206,096 1,086 SH   SOLE   0 0 1,086
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118   448,178 7,352 SH   SOLE   0 0 7,352
JOHNSON & JOHNSON COM 478160104   318,860 1,968 SH   SOLE   0 0 1,968
JPMORGAN CHASE & CO. COM 46625H100   1,236,406 5,864 SH   SOLE   0 0 5,864
KEARNY FINL CORP MD COM 48716P108   94,833 13,804 SH   SOLE   0 0 13,804
LINDE PLC SHS G54950103   333,802 700 SH   SOLE   0 0 700
LOWES COS INC COM 548661107   524,095 1,935 SH   SOLE   0 0 1,935
M & T BK CORP COM 55261F104   989,813 5,557 SH   SOLE   0 0 5,557
MARSH & MCLENNAN COS INC COM 571748102   223,090 1,000 SH   SOLE   0 0 1,000
MERCK & CO INC COM 58933Y105   474,962 4,182 SH   SOLE   0 0 4,182
META PLATFORMS INC CL A 30303M102   805,035 1,406 SH   SOLE   0 0 1,406
MICROSOFT CORP COM 594918104   8,467,851 19,679 SH   SOLE   0 0 19,679
MONDELEZ INTL INC CL A 609207105   472,414 6,413 SH   SOLE   0 0 6,413
MOTOROLA SOLUTIONS INC COM NEW 620076307   400,012 890 SH   SOLE   0 0 890
NETFLIX INC COM 64110L106   3,414,426 4,814 SH   SOLE   0 0 4,814
NVIDIA CORPORATION COM 67066G104   4,932,165 40,614 SH   SOLE   0 0 40,614
ORACLE CORP COM 68389X105   984,912 5,780 SH   SOLE   0 0 5,780
PALO ALTO NETWORKS INC COM 697435105   1,440,345 4,214 SH   SOLE   0 0 4,214
PENSKE AUTOMOTIVE GRP INC COM 70959W103   1,313,360 8,086 SH   SOLE   0 0 8,086
PHILIP MORRIS INTL INC COM 718172109   1,818,053 14,976 SH   SOLE   0 0 14,976
PROCTER AND GAMBLE CO COM 742718109   547,323 3,160 SH   SOLE   0 0 3,160
PROVIDENT FINL SVCS INC COM 74386T105   185,600 10,000 SH   SOLE   0 0 10,000
QUALCOMM INC COM 747525103   365,011 2,146 SH   SOLE   0 0 2,146
RTX CORPORATION COM 75513E101   367,869 3,036 SH   SOLE   0 0 3,036
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   545,825 1,290 SH   SOLE   0 0 1,290
SPDR GOLD TR GOLD SHS 78463V107   334,937 1,378 SH   SOLE   0 0 1,378
SPDR S&P 500 ETF TR TR UNIT 78462F103   258,766 451 SH   SOLE   0 0 451
SPDR SER TR PORTFOLIO S&P500 78464A854   1,236,970 18,323 SH   SOLE   0 0 18,323
SPDR SER TR PRTFLO S&P500 VL 78464A508   447,248 8,461 SH   SOLE   0 0 8,461
THERMO FISHER SCIENTIFIC INC COM 883556102   648,880 1,049 SH   SOLE   0 0 1,049
TJX COS INC NEW COM 872540109   617,675 5,255 SH   SOLE   0 0 5,255
UBER TECHNOLOGIES INC COM 90353T100   360,467 4,796 SH   SOLE   0 0 4,796
UNION PAC CORP COM 907818108   344,579 1,398 SH   SOLE   0 0 1,398
UNITEDHEALTH GROUP INC COM 91324P102   1,342,538 2,296 SH   SOLE   0 0 2,296
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   10,006,996 40,770 SH   SOLE   0 0 40,770
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   2,447,006 7,087 SH   SOLE   0 0 7,087
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   2,237,206 11,730 SH   SOLE   0 0 11,730
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,610,709 8,851 SH   SOLE   0 0 8,851
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,390,238 12,110 SH   SOLE   0 0 12,110
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   984,877 10,110 SH   SOLE   0 0 10,110
VANGUARD INDEX FDS SML CP GRW ETF 922908595   300,453 1,124 SH   SOLE   0 0 1,124
VANGUARD INDEX FDS SMALL CP ETF 922908751   279,134 1,177 SH   SOLE   0 0 1,177
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   728,654 7,549 SH   SOLE   0 0 7,549
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,826,878 9,224 SH   SOLE   0 0 9,224
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   489,039 9,260 SH   SOLE   0 0 9,260
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   3,571,761 12,657 SH   SOLE   0 0 12,657
VANGUARD WORLD FD INF TECH ETF 92204A702   328,903 561 SH   SOLE   0 0 561
VANGUARD WORLD FD FINANCIALS ETF 92204A405   777,901 7,078 SH   SOLE   0 0 7,078
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,130,455 6,495 SH   SOLE   0 0 6,495
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   352,505 1,355 SH   SOLE   0 0 1,355
VERTIV HOLDINGS CO COM CL A 92537N108   279,467 2,809 SH   SOLE   0 0 2,809
VISA INC COM CL A 92826C839   1,080,834 3,931 SH   SOLE   0 0 3,931
WALMART INC COM 931142103   773,295 9,576 SH   SOLE   0 0 9,576
WASTE MGMT INC DEL COM 94106L109   825,625 3,977 SH   SOLE   0 0 3,977
WISDOMTREE TR US QTLY DIV GRT 97717X669   382,766 4,600 SH   SOLE   0 0 4,600