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
ABBOTT LABS COM 002824100   1,359,327 14,035 SH   SOLE   0 0 14,035
ABBVIE INC COM 00287Y109   1,575,340 10,568 SH   SOLE   0 0 10,568
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,195,119 3,892 SH   SOLE   0 0 3,892
ADOBE INC COM 00724F101   2,058,466 4,037 SH   SOLE   0 0 4,037
ALIGN TECHNOLOGY INC COM 016255101   249,752 818 SH   SOLE   0 0 818
ALPHABET INC CAP STK CL C 02079K107   2,410,877 18,285 SH   SOLE   0 0 18,285
ALPHABET INC CAP STK CL A 02079K305   2,861,777 21,869 SH   SOLE   0 0 21,869
AMAZON COM INC COM 023135106   7,675,463 60,380 SH   SOLE   0 0 60,380
AMERICAN EXPRESS CO COM 025816109   731,635 4,904 SH   SOLE   0 0 4,904
AMERICAN TOWER CORP NEW COM 03027X100   726,881 4,420 SH   SOLE   0 0 4,420
APPLE INC COM 037833100   19,527,649 114,057 SH   SOLE   0 0 114,057
APPLIED MATLS INC COM 038222105   331,268 2,393 SH   SOLE   0 0 2,393
ARISTA NETWORKS INC COM 040413106   1,143,125 6,215 SH   SOLE   0 0 6,215
ARK ETF TR FINTECH INNOVA 00214Q708   354,008 18,286 SH   SOLE   0 0 18,286
ASML HOLDING N V N Y REGISTRY SHS N07059210   1,210,742 2,057 SH   SOLE   0 0 2,057
AT&T INC COM 00206R102   270,638 18,018 SH   SOLE   0 0 18,018
AUTOZONE INC COM 053332102   233,679 92 SH   SOLE   0 0 92
BANK AMERICA CORP COM 060505104   835,392 30,511 SH   SOLE   0 0 30,511
BECTON DICKINSON & CO COM 075887109   630,654 2,439 SH   SOLE   0 0 2,439
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,161,148 6,169 SH   SOLE   0 0 6,169
BGC GROUP INC CL A 088929104   106,920 20,250 SH   SOLE   0 0 20,250
BLACKROCK INC COM 09247X101   1,309,789 2,026 SH   SOLE   0 0 2,026
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   121,011 11,958 SH   SOLE   0 0 11,958
BLACKROCK N Y MUN INCOME TRU SH BEN INT 09248L106   201,219 22,112 SH   SOLE   0 0 22,112
BLACKSTONE INC COM 09260D107   1,310,460 12,231 SH   SOLE   0 0 12,231
BOOKING HOLDINGS INC COM 09857L108   379,326 123 SH   SOLE   0 0 123
BORGWARNER INC COM 099724106   291,835 7,229 SH   SOLE   0 0 7,229
BOSTON SCIENTIFIC CORP COM 101137107   492,730 9,332 SH   SOLE   0 0 9,332
BRISTOL-MYERS SQUIBB CO COM 110122108   315,737 5,440 SH   SOLE   0 0 5,440
BROADCOM INC COM 11135F101   5,284,049 6,362 SH   SOLE   0 0 6,362
CAPITAL ONE FINL CORP COM 14040H105   388,200 4,000 SH   SOLE   0 0 4,000
CATERPILLAR INC COM 149123101   649,718 2,380 SH   SOLE   0 0 2,380
CHEVRON CORP NEW COM 166764100   2,501,452 14,835 SH   SOLE   0 0 14,835
CHIPOTLE MEXICAN GRILL INC COM 169656105   560,540 306 SH   SOLE   0 0 306
CHUBB LIMITED COM H1467J104   878,565 4,220 SH   SOLE   0 0 4,220
CISCO SYS INC COM 17275R102   413,190 7,686 SH   SOLE   0 0 7,686
CITIGROUP INC COM NEW 172967424   425,819 10,353 SH   SOLE   0 0 10,353
CME GROUP INC COM 12572Q105   1,299,828 6,492 SH   SOLE   0 0 6,492
COCA COLA CO COM 191216100   1,579,093 28,208 SH   SOLE   0 0 28,208
COMCAST CORP NEW CL A 20030N101   1,363,721 30,756 SH   SOLE   0 0 30,756
CONOCOPHILLIPS COM 20825C104   257,810 2,152 SH   SOLE   0 0 2,152
CONSOLIDATED EDISON INC COM 209115104   455,470 5,325 SH   SOLE   0 0 5,325
CONSTELLATION ENERGY CORP COM 21037T109   405,293 3,716 SH   SOLE   0 0 3,716
CORNING INC COM 219350105   460,705 15,120 SH   SOLE   0 0 15,120
COSTAR GROUP INC COM 22160N109   1,067,848 13,888 SH   SOLE   0 0 13,888
COSTCO WHSL CORP NEW COM 22160K105   1,973,289 3,493 SH   SOLE   0 0 3,493
CROWDSTRIKE HLDGS INC CL A 22788C105   540,637 3,230 SH   SOLE   0 0 3,230
CSX CORP COM 126408103   784,863 25,524 SH   SOLE   0 0 25,524
CVS HEALTH CORP COM 126650100   890,205 12,750 SH   SOLE   0 0 12,750
DEERE & CO COM 244199105   478,843 1,269 SH   SOLE   0 0 1,269
DEXCOM INC COM 252131107   507,739 5,442 SH   SOLE   0 0 5,442
DISNEY WALT CO COM 254687106   1,105,794 13,643 SH   SOLE   0 0 13,643
DOCUSIGN INC COM 256163106   387,450 9,225 SH   SOLE   0 0 9,225
DOW INC COM 260557103   899,135 17,439 SH   SOLE   0 0 17,439
DRAFTKINGS INC NEW COM CL A 26142V105   234,401 7,962 SH   SOLE   0 0 7,962
DUKE ENERGY CORP NEW COM NEW 26441C204   671,734 7,611 SH   SOLE   0 0 7,611
EDWARDS LIFESCIENCES CORP COM 28176E108   288,690 4,167 SH   SOLE   0 0 4,167
ELANCO ANIMAL HEALTH INC COM 28414H103   260,802 23,203 SH   SOLE   0 0 23,203
ELECTRONIC ARTS INC COM 285512109   472,450 3,924 SH   SOLE   0 0 3,924
ELI LILLY & CO COM 532457108   1,696,380 3,158 SH   SOLE   0 0 3,158
ENBRIDGE INC COM 29250N105   386,104 11,633 SH   SOLE   0 0 11,633
EXXON MOBIL CORP COM 30231G102   4,005,623 34,067 SH   SOLE   0 0 34,067
FASTENAL CO COM 311900104   445,097 8,146 SH   SOLE   0 0 8,146
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   667,352 13,723 SH   SOLE   0 0 13,723
FIDELITY NATL INFORMATION SV COM 31620M106   455,114 8,234 SH   SOLE   0 0 8,234
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   7,531,248 154,076 SH   SOLE   0 0 154,076
FIRST TR EXCH TRADED FD III SHRT DUR MNG MUN 33739P830   7,613,561 392,755 SH   SOLE   0 0 392,755
FORD MTR CO DEL COM 345370860   155,966 12,558 SH   SOLE   0 0 12,558
FORTINET INC COM 34959E109   264,999 4,516 SH   SOLE   0 0 4,516
FRONTLINE PLC COM M46528101   280,940 14,960 SH   SOLE   0 0 14,960
GARTNER INC COM 366651107   249,461 726 SH   SOLE   0 0 726
GENERAL MTRS CO COM 37045V100   819,667 24,861 SH   SOLE   0 0 24,861
GENWORTH FINL INC COM CL A 37247D106   116,966 19,960 SH   SOLE   0 0 19,960
GILEAD SCIENCES INC COM 375558103   826,161 11,024 SH   SOLE   0 0 11,024
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715   644,350 26,066 SH   SOLE   0 0 26,066
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   677,467 12,280 SH   SOLE   0 0 12,280
GOLDMAN SACHS GROUP INC COM 38141G104   637,419 1,970 SH   SOLE   0 0 1,970
GUIDEWIRE SOFTWARE INC COM 40171V100   393,660 4,374 SH   SOLE   0 0 4,374
HERCULES CAPITAL INC COM 427096508   254,196 15,481 SH   SOLE   0 0 15,481
HILTON WORLDWIDE HLDGS INC COM 43300A203   628,503 4,185 SH   SOLE   0 0 4,185
HOME DEPOT INC COM 437076102   3,005,948 9,948 SH   SOLE   0 0 9,948
HONEYWELL INTL INC COM 438516106   1,279,297 6,925 SH   SOLE   0 0 6,925
HUMANA INC COM 444859102   1,019,823 2,096 SH   SOLE   0 0 2,096
ICICI BANK LIMITED ADR 45104G104   451,564 19,531 SH   SOLE   0 0 19,531
IDEX CORP COM 45167R104   298,925 1,437 SH   SOLE   0 0 1,437
INTEL CORP COM 458140100   916,582 25,783 SH   SOLE   0 0 25,783
INTERCONTINENTAL EXCHANGE IN COM 45866F104   785,150 7,136 SH   SOLE   0 0 7,136
INTERNATIONAL BUSINESS MACHS COM 459200101   473,549 3,375 SH   SOLE   0 0 3,375
INTUIT COM 461202103   934,196 1,828 SH   SOLE   0 0 1,828
INTUITIVE SURGICAL INC COM NEW 46120E602   1,191,453 4,076 SH   SOLE   0 0 4,076
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   209,203 3,558 SH   SOLE   0 0 3,558
INVESCO EXCH TRADED FD TR II NASDAQNXTGEN100 46138G631   632,280 25,661 SH   SOLE   0 0 25,661
INVESCO QQQ TR UNIT SER 1 46090E103   5,972,861 16,671 SH   SOLE   0 0 16,671
ISHARES TR CORE US AGGBD ET 464287226   225,354 2,396 SH   SOLE   0 0 2,396
ISHARES TR 1 3 YR TREAS BD 464287457   2,445,060 30,197 SH   SOLE   0 0 30,197
ISHARES TR MSCI EAFE ETF 464287465   4,718,651 68,466 SH   SOLE   0 0 68,466
ISHARES TR RUS MID CAP ETF 464287499   1,119,831 16,171 SH   SOLE   0 0 16,171
ISHARES TR CORE S&P MCP ETF 464287507   45,303,210 181,685 SH   SOLE   0 0 181,685
ISHARES TR EXPND TEC SC ETF 464287549   624,875 1,635 SH   SOLE   0 0 1,635
ISHARES TR RUS 1000 VAL ETF 464287598   19,297,100 127,105 SH   SOLE   0 0 127,105
ISHARES TR RUS 1000 GRW ETF 464287614   31,002,172 116,554 SH   SOLE   0 0 116,554
ISHARES TR RUSSELL 2000 ETF 464287655   7,156,211 40,490 SH   SOLE   0 0 40,490
ISHARES TR CORE S&P SCP ETF 464287804   13,048,323 138,326 SH   SOLE   0 0 138,326
ISHARES TR SHRT NAT MUN ETF 464288158   21,146,657 205,587 SH   SOLE   0 0 205,587
ISHARES TR NATIONAL MUN ETF 464288414   15,111,494 147,372 SH   SOLE   0 0 147,372
ISHARES TR 3 7 YR TREAS BD 464288661   509,220 4,500 SH   SOLE   0 0 4,500
ISHARES TR SHORT TREAS BD 464288679   757,234 6,855 SH   SOLE   0 0 6,855
ISHARES TR PFD AND INCM SEC 464288687   539,139 17,882 SH   SOLE   0 0 17,882
ISHARES TR CORE MSCI EAFE 46432F842   22,889,534 355,704 SH   SOLE   0 0 355,704
ISHARES TR CORE DIVID ETF 46435U861   827,679 22,232 SH   SOLE   0 0 22,232
J P MORGAN EXCHANGE TRADED F BETABUILDERS CDA 46641Q225   210,034 3,612 SH   SOLE   0 0 3,612
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   327,540 6,503 SH   SOLE   0 0 6,503
JOHNSON & JOHNSON COM 478160104   656,056 4,212 SH   SOLE   0 0 4,212
JPMORGAN CHASE & CO COM 46625H100   3,902,599 26,911 SH   SOLE   0 0 26,911
KEYSIGHT TECHNOLOGIES INC COM 49338L103   396,798 2,999 SH   SOLE   0 0 2,999
L3HARRIS TECHNOLOGIES INC COM 502431109   242,027 1,390 SH   SOLE   0 0 1,390
LABORATORY CORP AMER HLDGS COM NEW 50540R409   216,330 1,076 SH   SOLE   0 0 1,076
LINDE PLC SHS G54950103   726,119 1,950 SH   SOLE   0 0 1,950
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   27,051 12,700 SH   SOLE   0 0 12,700
LOWES COS INC COM 548661107   306,828 1,476 SH   SOLE   0 0 1,476
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   630,607 6,659 SH   SOLE   0 0 6,659
MAIN STR CAP CORP COM 56035L104   621,715 15,302 SH   SOLE   0 0 15,302
MARATHON PETE CORP COM 56585A102   272,412 1,800 SH   SOLE   0 0 1,800
MARKETAXESS HLDGS INC COM 57060D108   418,093 1,957 SH   SOLE   0 0 1,957
MARRIOTT INTL INC NEW CL A 571903202   270,402 1,376 SH   SOLE   0 0 1,376
MARSH & MCLENNAN COS INC COM 571748102   1,683,774 8,848 SH   SOLE   0 0 8,848
MARVELL TECHNOLOGY INC COM 573874104   312,676 5,776 SH   SOLE   0 0 5,776
MASTERCARD INCORPORATED CL A 57636Q104   1,679,012 4,241 SH   SOLE   0 0 4,241
MCDONALDS CORP COM 580135101   811,623 3,081 SH   SOLE   0 0 3,081
MCKESSON CORP COM 58155Q103   285,671 657 SH   SOLE   0 0 657
MERCADOLIBRE INC COM 58733R102   361,346 285 SH   SOLE   0 0 285
MERCK & CO INC COM 58933Y105   2,096,147 20,361 SH   SOLE   0 0 20,361
META PLATFORMS INC CL A 30303M102   2,928,549 9,755 SH   SOLE   0 0 9,755
MICROCHIP TECHNOLOGY INC. COM 595017104   672,257 8,613 SH   SOLE   0 0 8,613
MICROSOFT CORP COM 594918104   14,473,731 45,839 SH   SOLE   0 0 45,839
MIDDLEBY CORP COM 596278101   366,976 2,867 SH   SOLE   0 0 2,867
MONDELEZ INTL INC CL A 609207105   392,070 5,649 SH   SOLE   0 0 5,649
MONOLITHIC PWR SYS INC COM 609839105   599,214 1,297 SH   SOLE   0 0 1,297
MORGAN STANLEY COM NEW 617446448   306,865 3,757 SH   SOLE   0 0 3,757
NETFLIX INC COM 64110L106   1,000,844 2,651 SH   SOLE   0 0 2,651
NEXTERA ENERGY INC COM 65339F101   792,979 13,841 SH   SOLE   0 0 13,841
NIKE INC CL B 654106103   805,091 8,420 SH   SOLE   0 0 8,420
NOKIA CORP SPONSORED ADR 654902204   59,664 15,953 SH   SOLE   0 0 15,953
NUCOR CORP COM 670346105   540,255 3,455 SH   SOLE   0 0 3,455
NUVEEN AMT FREE MUN CR INC F COM 67071L106   114,029 11,060 SH   SOLE   0 0 11,060
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   565,516 53,451 SH   SOLE   0 0 53,451
NUVEEN NEW YORK AMT QLT MUNI COM 670656107   627,319 66,383 SH   SOLE   0 0 66,383
NVIDIA CORPORATION COM 67066G104   10,783,520 24,790 SH   SOLE   0 0 24,790
OLD DOMINION FREIGHT LINE IN COM 679580100   506,542 1,238 SH   SOLE   0 0 1,238
PACCAR INC COM 693718108   730,371 8,591 SH   SOLE   0 0 8,591
PALO ALTO NETWORKS INC COM 697435105   487,166 2,078 SH   SOLE   0 0 2,078
PAYPAL HLDGS INC COM 70450Y103   290,312 4,966 SH   SOLE   0 0 4,966
PFIZER INC COM 717081103   328,299 9,897 SH   SOLE   0 0 9,897
PHILIP MORRIS INTL INC COM 718172109   223,762 2,417 SH   SOLE   0 0 2,417
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   2,940,063 87,658 SH   SOLE   0 0 87,658
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   8,444,493 93,516 SH   SOLE   0 0 93,516
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   461,849 4,612 SH   SOLE   0 0 4,612
PIMCO HIGH INCOME FD COM SHS 722014107   49,115 11,112 SH   SOLE   0 0 11,112
PNC FINL SVCS GROUP INC COM 693475105   795,838 6,482 SH   SOLE   0 0 6,482
PROCTER AND GAMBLE CO COM 742718109   1,272,857 8,727 SH   SOLE   0 0 8,727
PROLOGIS INC. COM 74340W103   323,948 2,887 SH   SOLE   0 0 2,887
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,070,581 18,812 SH   SOLE   0 0 18,812
QUALCOMM INC COM 747525103   518,814 4,671 SH   SOLE   0 0 4,671
ROYAL GOLD INC COM 780287108   324,110 3,048 SH   SOLE   0 0 3,048
RPM INTL INC COM 749685103   284,335 2,999 SH   SOLE   0 0 2,999
S&P GLOBAL INC COM 78409V104   629,281 1,722 SH   SOLE   0 0 1,722
SALESFORCE INC COM 79466L302   1,121,171 5,529 SH   SOLE   0 0 5,529
SCHWAB CHARLES CORP COM 808513105   856,363 15,599 SH   SOLE   0 0 15,599
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   359,275 5,077 SH   SOLE   0 0 5,077
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,529,182 45,029 SH   SOLE   0 0 45,029
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   2,155,806 45,016 SH   SOLE   0 0 45,016
SCOTTS MIRACLE-GRO CO CL A 810186106   237,780 4,601 SH   SOLE   0 0 4,601
SEAGEN INC COM 81181C104   321,619 1,516 SH   SOLE   0 0 1,516
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,406,382 18,692 SH   SOLE   0 0 18,692
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   431,322 6,268 SH   SOLE   0 0 6,268
SELECT SECTOR SPDR TR ENERGY 81369Y506   1,503,038 16,628 SH   SOLE   0 0 16,628
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   1,128,024 34,007 SH   SOLE   0 0 34,007
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   2,967,080 18,100 SH   SOLE   0 0 18,100
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   268,796 4,099 SH   SOLE   0 0 4,099
SELECTIVE INS GROUP INC COM 816300107   260,996 2,530 SH   SOLE   0 0 2,530
SHELL PLC SPON ADS 780259305   213,017 3,309 SH   SOLE   0 0 3,309
SHERWIN WILLIAMS CO COM 824348106   276,784 1,085 SH   SOLE   0 0 1,085
SHOPIFY INC CL A 82509L107   692,330 12,687 SH   SOLE   0 0 12,687
SIMON PPTY GROUP INC NEW COM 828806109   253,142 2,343 SH   SOLE   0 0 2,343
SMITH A O CORP COM 831865209   308,893 4,671 SH   SOLE   0 0 4,671
SNAP INC CL A 83304A106   331,042 37,154 SH   SOLE   0 0 37,154
SONY GROUP CORP SPONSORED ADR 835699307   207,229 2,515 SH   SOLE   0 0 2,515
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   2,582,654 7,711 SH   SOLE   0 0 7,711
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,354,403 19,543 SH   SOLE   0 0 19,543
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   5,881,579 12,880 SH   SOLE   0 0 12,880
SPDR SER TR S&P 400 MDCP GRW 78464A821   491,100 7,103 SH   SOLE   0 0 7,103
STMICROELECTRONICS N V NY REGISTRY 861012102   314,037 7,276 SH   SOLE   0 0 7,276
T-MOBILE US INC COM 872590104   236,124 1,686 SH   SOLE   0 0 1,686
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   504,549 5,806 SH   SOLE   0 0 5,806
TERADYNE INC COM 880770102   509,835 5,075 SH   SOLE   0 0 5,075
TESLA INC COM 88160R101   3,165,172 12,650 SH   SOLE   0 0 12,650
TEXAS INSTRS INC COM 882508104   639,466 4,022 SH   SOLE   0 0 4,022
THE TRADE DESK INC COM CL A 88339J105   488,985 6,257 SH   SOLE   0 0 6,257
THERMO FISHER SCIENTIFIC INC COM 883556102   721,949 1,426 SH   SOLE   0 0 1,426
TRANSUNION COM 89400J107   423,202 5,895 SH   SOLE   0 0 5,895
TREX CO INC COM 89531P105   324,544 5,266 SH   SOLE   0 0 5,266
TRUIST FINL CORP COM 89832Q109   539,041 18,841 SH   SOLE   0 0 18,841
TWILIO INC CL A 90138F102   608,185 10,391 SH   SOLE   0 0 10,391
TYLER TECHNOLOGIES INC COM 902252105   341,348 884 SH   SOLE   0 0 884
UBS GROUP AG SHS H42097107   219,336 8,898 SH   SOLE   0 0 8,898
ULTA BEAUTY INC COM 90384S303   842,041 2,108 SH   SOLE   0 0 2,108
UNION PAC CORP COM 907818108   1,168,759 5,740 SH   SOLE   0 0 5,740
UNITED PARCEL SERVICE INC CL B 911312106   602,837 3,868 SH   SOLE   0 0 3,868
UNITEDHEALTH GROUP INC COM 91324P102   1,165,904 2,312 SH   SOLE   0 0 2,312
UNIVERSAL DISPLAY CORP COM 91347P105   365,944 2,331 SH   SOLE   0 0 2,331
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   509,252 3,513 SH   SOLE   0 0 3,513
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   567,436 2,299 SH   SOLE   0 0 2,299
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,173,007 149,969 SH   SOLE   0 0 149,969
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   50,646,959 128,971 SH   SOLE   0 0 128,971
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   91,171 68,424 SH   SOLE   0 0 68,424
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   212,595 2,810 SH   SOLE   0 0 2,810
VANGUARD INDEX FDS GROWTH ETF 922908736   51,312,355 188,434 SH   SOLE   0 0 188,434
VANGUARD INDEX FDS VALUE ETF 922908744   49,121,585 415,240 SH   SOLE   0 0 415,240
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   26,124,760 347,635 SH   SOLE   0 0 347,635
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   347,678 5,216 SH   SOLE   0 0 5,216
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   329,125 1,400 SH   SOLE   0 0 1,400
VERIZON COMMUNICATIONS INC COM 92343V104   1,256,465 38,768 SH   SOLE   0 0 38,768
VERTEX PHARMACEUTICALS INC COM 92532F100   894,213 2,572 SH   SOLE   0 0 2,572
VISA INC COM CL A 92826C839   2,926,961 12,725 SH   SOLE   0 0 12,725
WALMART INC COM 931142103   759,847 4,751 SH   SOLE   0 0 4,751
WASTE MGMT INC DEL COM 94106L109   637,080 4,179 SH   SOLE   0 0 4,179
WISDOMTREE TR US MIDCAP DIVID 97717W505   247,692 6,047 SH   SOLE   0 0 6,047
WISDOMTREE TR US S CAP QTY DIV 97717X651   223,581 5,428 SH   SOLE   0 0 5,428
WISDOMTREE TR US QTLY DIV GRT 97717X669   540,257 8,509 SH   SOLE   0 0 8,509