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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 2,404 13,534 SH   SOLE   13,534 0 0
ABB LTD SPONSORED ADR 000375204 1,473 38,581 SH   SOLE   38,581 0 0
ABBOTT LABS COM 002824100 3,473 24,677 SH   SOLE   24,677 0 0
ABBVIE INC COM 00287Y109 2,820 20,827 SH   SOLE   20,827 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,503 10,862 SH   SOLE   10,862 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 5,002 8,822 SH   SOLE   8,822 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,082 7,516 SH   SOLE   7,516 0 0
AEGON N V NY REGISTRY SHS 007924103 631 127,738 SH   SOLE   127,738 0 0
AFLAC INC COM 001055102 776 13,298 SH   SOLE   13,298 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 226 1,415 SH   SOLE   1,415 0 0
AIR PRODS & CHEMS INC COM 009158106 690 2,268 SH   SOLE   2,268 0 0
ALLEGION PLC ORD SHS G0176J109 278 2,097 SH   SOLE   2,097 0 0
ALPHA METALLURGICAL RESOUR I COM 020764106 520 8,516 SH   SOLE   8,516 0 0
ALPHABET INC CAP STK CL A 02079K305 8,668 2,992 SH   SOLE   2,992 0 0
ALPHABET INC CAP STK CL C 02079K107 9,095 3,143 SH   SOLE   3,143 0 0
ALTRIA GROUP INC COM 02209S103 721 15,220 SH   SOLE   15,220 0 0
AMAZON COM INC COM 023135106 15,093 4,527 SH   SOLE   4,527 0 0
AMCOR PLC ORD G0250X107 441 36,756 SH   SOLE   36,756 0 0
AMERICAN ELEC PWR CO INC COM 025537101 618 6,948 SH   SOLE   6,948 0 0
AMERICAN EXPRESS CO COM 025816109 2,956 18,067 SH   SOLE   18,067 0 0
AMERICAN TOWER CORP NEW COM 03027X100 706 2,414 SH   SOLE   2,414 0 0
AMERIPRISE FINL INC COM 03076C106 959 3,180 SH   SOLE   3,180 0 0
AMGEN INC COM 031162100 1,063 4,725 SH   SOLE   4,725 0 0
ANALOG DEVICES INC COM 032654105 914 5,201 SH   SOLE   5,201 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 334 5,520 SH   SOLE   5,520 0 0
ANTHEM INC COM 036752103 586 1,264 SH   SOLE   1,264 0 0
AON PLC SHS CL A G0403H108 891 2,965 SH   SOLE   2,965 0 0
APOLLO COML REAL ESTATE FIN NOTE 5.375%10/1 03762UAC9 525 518,000 SH   SOLE   518,000 0 0
APPLE INC COM 037833100 52,778 297,223 SH   SOLE   297,223 0 0
APPLIED MATLS INC COM 038222105 1,921 12,210 SH   SOLE   12,210 0 0
APPLOVIN CORP COM CL A 03831W108 255 2,700 SH   SOLE   2,700 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 544 8,046 SH   SOLE   8,046 0 0
ARES CAPITAL CORP NOTE 3.750% 2/0 04010LAT0 93 85,000 SH   SOLE   85,000 0 0
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3 177 155,000 SH   SOLE   155,000 0 0
ARGENX SE SPONSORED ADR 04016X101 770 2,198 SH   SOLE   2,198 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 1,738 2,183 SH   SOLE   2,183 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,235 21,197 SH   SOLE   21,197 0 0
AT&T INC COM 00206R102 1,270 51,635 SH   SOLE   51,635 0 0
ATLAS AIR WORLDWIDE HLDGS IN NOTE 2.250% 6/0 049164BH8 454 355,000 SH   SOLE   355,000 0 0
ATMOS ENERGY CORP COM 049560105 481 4,594 SH   SOLE   4,594 0 0
AUTODESK INC COM 052769106 248 883 SH   SOLE   883 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 3,621 14,683 SH   SOLE   14,683 0 0
AVANTOR INC COM 05352A100 532 12,634 SH   SOLE   12,634 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 206 35,026 SH   SOLE   35,026 0 0
BANCO SANTANDER S.A. ADR 05964H105 347 105,337 SH   SOLE   105,337 0 0
BANK NEW YORK MELLON CORP COM 064058100 722 12,425 SH   SOLE   12,425 0 0
BARCLAYS PLC ADR 06738E204 877 84,759 SH   SOLE   84,759 0 0
BAXTER INTL INC COM 071813109 218 2,545 SH   SOLE   2,545 0 0
BECTON DICKINSON & CO COM 075887109 214 852 SH   SOLE   852 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,704 6 SH   SOLE   6 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 20,316 67,945 SH   SOLE   67,945 0 0
BHP GROUP LTD SPONSORED ADS 088606108 504 8,358 SH   SOLE   8,358 0 0
BHP GROUP PLC SPONSORED ADR 05545E209 722 12,080 SH   SOLE   12,080 0 0
BIOCRYST PHARMACEUTICALS INC COM 09058V103 222 16,000 SH   SOLE   16,000 0 0
BK OF AMERICA CORP COM 060505104 4,245 95,407 SH   SOLE   95,407 0 0
BLACKROCK INC COM 09247X101 3,983 4,350 SH   SOLE   4,350 0 0
BLACKSTONE INC COM 09260D107 628 4,854 SH   SOLE   4,854 0 0
BLACKSTONE MORTGAGE TRUST IN NOTE 4.750% 3/1 09257WAC4 409 400,000 SH   SOLE   400,000 0 0
BOEING CO COM 097023105 1,132 5,623 SH   SOLE   5,623 0 0
BOOKING HOLDINGS INC COM 09857L108 809 337 SH   SOLE   337 0 0
BOSTON SCIENTIFIC CORP COM 101137107 219 5,163 SH   SOLE   5,163 0 0
BP PLC SPONSORED ADR 055622104 1,259 47,285 SH   SOLE   47,285 0 0
BRF SA SPONSORED ADR 10552T107 62 15,223 SH   SOLE   15,223 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 907 14,539 SH   SOLE   14,539 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 561 15,009 SH   SOLE   15,009 0 0
BROADCOM INC COM 11135F101 2,612 3,926 SH   SOLE   3,926 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 1,266 6,925 SH   SOLE   6,925 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,232 20,411 SH   SOLE   20,411 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 424 6,977 SH   SOLE   6,977 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 518 2,782 SH   SOLE   2,782 0 0
CAPITAL ONE FINL CORP COM 14040H105 963 6,640 SH   SOLE   6,640 0 0
CARDINAL HEALTH INC COM 14149Y108 407 7,902 SH   SOLE   7,902 0 0
CARNIVAL PLC ADR 14365C103 305 16,475 SH   SOLE   16,475 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 376 6,931 SH   SOLE   6,931 0 0
CATERPILLAR INC COM 149123101 1,576 7,621 SH   SOLE   7,621 0 0
CELANESE CORP DEL COM 150870103 524 3,115 SH   SOLE   3,115 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 786 1,205 SH   SOLE   1,205 0 0
CHEVRON CORP NEW COM 166764100 3,942 33,596 SH   SOLE   33,596 0 0
CHUBB LIMITED COM H1467J104 2,493 12,895 SH   SOLE   12,895 0 0
CHURCH & DWIGHT CO INC COM 171340102 1,030 10,044 SH   SOLE   10,044 0 0
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 292 120,125 SH   SOLE   120,125 0 0
CIGNA CORP NEW COM 125523100 769 3,348 SH   SOLE   3,348 0 0
CINCINNATI FINL CORP COM 172062101 538 4,723 SH   SOLE   4,723 0 0
CISCO SYS INC COM 17275R102 3,051 48,143 SH   SOLE   48,143 0 0
CITIGROUP INC COM NEW 172967424 1,734 28,721 SH   SOLE   28,721 0 0
CLOROX CO DEL COM 189054109 966 5,539 SH   SOLE   5,539 0 0
CME GROUP INC COM 12572Q105 339 1,484 SH   SOLE   1,484 0 0
COCA COLA CO COM 191216100 3,699 62,469 SH   SOLE   62,469 0 0
COHN ROBBINS HOLDINGS CORP COM CL A G23726105 167 17,000 SH   SOLE   17,000 0 0
COLGATE PALMOLIVE CO COM 194162103 603 7,071 SH   SOLE   7,071 0 0
COLUMBIA FINL INC COM 197641103 429 20,566 SH   SOLE   20,566 0 0
COMCAST CORP NEW CL A 20030N101 2,371 47,107 SH   SOLE   47,107 0 0
COMMERCE BANCSHARES INC COM 200525103 219 3,188 SH   SOLE   3,188 0 0
CONOCOPHILLIPS COM 20825C104 1,163 16,116 SH   SOLE   16,116 0 0
CONSOLIDATED EDISON INC COM 209115104 903 10,582 SH   SOLE   10,582 0 0
COSAN S A ADS 22113B103 436 27,813 SH   SOLE   27,813 0 0
COSTCO WHSL CORP NEW COM 22160K105 4,983 8,777 SH   SOLE   8,777 0 0
CRH PLC ADR 12626K203 821 15,542 SH   SOLE   15,542 0 0
CRITEO S A SPONS ADS 226718104 1,027 26,418 SH   SOLE   26,418 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 685 3,280 SH   SOLE   3,280 0 0
CSG SYS INTL INC NOTE 4.250% 3/1 126349AF6 361 342,000 SH   SOLE   342,000 0 0
CSX CORP COM 126408103 754 20,045 SH   SOLE   20,045 0 0
CVS HEALTH CORP COM 126650100 1,324 12,834 SH   SOLE   12,834 0 0
DANAHER CORPORATION COM 235851102 2,298 6,986 SH   SOLE   6,986 0 0
DECKERS OUTDOOR CORP COM 243537107 298 814 SH   SOLE   814 0 0
DEERE & CO COM 244199105 1,039 3,031 SH   SOLE   3,031 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 535 2,431 SH   SOLE   2,431 0 0
DISNEY WALT CO COM 254687106 3,856 24,894 SH   SOLE   24,894 0 0
DOLLAR GEN CORP NEW COM 256677105 336 1,427 SH   SOLE   1,427 0 0
DOMINION ENERGY INC COM 25746U109 508 6,464 SH   SOLE   6,464 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,213 11,562 SH   SOLE   11,562 0 0
DUPONT DE NEMOURS INC COM 26614N102 544 6,734 SH   SOLE   6,734 0 0
EATON CORP PLC SHS G29183103 1,160 6,714 SH   SOLE   6,714 0 0
EATON VANCE SR INCOME TR SH BEN INT 27826S103 252 37,336 SH   SOLE   37,336 0 0
ECOLAB INC COM 278865100 490 2,088 SH   SOLE   2,088 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 397 3,066 SH   SOLE   3,066 0 0
EMCORE CORP COM NEW 290846203 154 22,020 SH   SOLE   22,020 0 0
EMERSON ELEC CO COM 291011104 2,170 23,344 SH   SOLE   23,344 0 0
ENI S P A SPONSORED ADR 26874R108 681 24,637 SH   SOLE   24,637 0 0
ENTERA BIO LTD SHS M40527109 33 11,830 SH   SOLE   11,830 0 0
EOG RES INC COM 26875P101 1,192 13,424 SH   SOLE   13,424 0 0
EQUINIX INC COM 29444U700 801 947 SH   SOLE   947 0 0
EQUINOR ASA SPONSORED ADR 29446M102 743 28,205 SH   SOLE   28,205 0 0
ERICSSON ADR B SEK 10 294821608 518 47,624 SH   SOLE   47,624 0 0
ESSEX PPTY TR INC COM 297178105 549 1,559 SH   SOLE   1,559 0 0
EXELON CORP COM 30161N101 862 14,922 SH   SOLE   14,922 0 0
EXXON MOBIL CORP COM 30231G102 4,762 77,825 SH   SOLE   77,825 0 0
FEDEX CORP COM 31428X106 532 2,056 SH   SOLE   2,056 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303 316 6,063 SH   SOLE   6,063 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 248 2,274 SH   SOLE   2,274 0 0
FIVE BELOW INC COM 33829M101 203 983 SH   SOLE   983 0 0
FRANKLIN RESOURCES INC COM 354613101 520 15,524 SH   SOLE   15,524 0 0
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 243 7,483 SH   SOLE   7,483 0 0
GENERAL DYNAMICS CORP COM 369550108 726 3,481 SH   SOLE   3,481 0 0
GENERAL ELECTRIC CO COM NEW 369604301 973 10,301 SH   SOLE   10,301 0 0
GENERAL MTRS CO COM 37045V100 931 15,879 SH   SOLE   15,879 0 0
GENUINE PARTS CO COM 372460105 538 3,834 SH   SOLE   3,834 0 0
GILEAD SCIENCES INC COM 375558103 257 3,538 SH   SOLE   3,538 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 1,157 26,246 SH   SOLE   26,246 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,740 7,164 SH   SOLE   7,164 0 0
GUIDEWIRE SOFTWARE INC NOTE 1.250% 3/1 40171VAA8 72 61,666 SH   SOLE   61,666 0 0
HARMONY GOLD MINING CO LTD SPONSORED ADR 413216300 41 10,000 SH   SOLE   10,000 0 0
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 1,140 27,239 SH   SOLE   27,239 0 0
HCA HEALTHCARE INC COM 40412C101 795 3,094 SH   SOLE   3,094 0 0
HOME DEPOT INC COM 437076102 8,063 19,428 SH   SOLE   19,428 0 0
HONDA MOTOR LTD AMERN SHS 438128308 637 22,382 SH   SOLE   22,382 0 0
HONEYWELL INTL INC COM 438516106 3,238 15,530 SH   SOLE   15,530 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 287 9,530 SH   SOLE   9,530 0 0
HUBBELL INC COM 443510607 3,627 17,416 SH   SOLE   17,416 0 0
HUMANA INC COM 444859102 327 704 SH   SOLE   704 0 0
HUTCHMED CHINA LTD SPONSORED ADS 44842L103 549 15,664 SH   SOLE   15,664 0 0
ICICI BANK LIMITED ADR 45104G104 432 21,813 SH   SOLE   21,813 0 0
ICON PLC SHS G4705A100 498 1,608 SH   SOLE   1,608 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,477 5,985 SH   SOLE   5,985 0 0
ILLUMINA INC COM 452327109 201 529 SH   SOLE   529 0 0
IMPAC MTG HLDGS INC COM NEW 45254P508 11 10,000 SH   SOLE   10,000 0 0
INDEPENDENCE HLDG CO NEW COM NEW 453440307 408 7,205 SH   SOLE   7,205 0 0
INFOSYS LTD SPONSORED ADR 456788108 1,048 41,400 SH   SOLE   41,400 0 0
ING GROEP N.V. SPONSORED ADR 456837103 344 24,687 SH   SOLE   24,687 0 0
INGREDION INC COM 457187102 402 4,164 SH   SOLE   4,164 0 0
INNOVIVA INC NOTE 2.125% 1/1 88338TAB0 71 65,000 SH   SOLE   65,000 0 0
INTEL CORP COM 458140100 2,997 58,186 SH   SOLE   58,186 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 409 2,993 SH   SOLE   2,993 0 0
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806 449 6,883 SH   SOLE   6,883 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,150 16,085 SH   SOLE   16,085 0 0
INTUIT COM 461202103 1,453 2,259 SH   SOLE   2,259 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 1,397 3,887 SH   SOLE   3,887 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 5,016 193,512 SH   SOLE   193,512 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 550 10,340 SH   SOLE   10,340 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 420 1,056 SH   SOLE   1,056 0 0
ISHARES GOLD TR ISHARES NEW 464285204 304 8,730 SH   SOLE   8,730 0 0
ISHARES INC CORE MSCI EMKT 46434G103 66,069 1,103,724 SH   SOLE   1,103,724 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 492 4,278 SH   SOLE   4,278 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 584 5,778 SH   SOLE   5,778 0 0
ISHARES TR CORE MSCI EAFE 46432F842 187,299 2,509,360 SH   SOLE   2,509,360 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,463 34,723 SH   SOLE   34,723 0 0
ISHARES TR CORE S&P MCP ETF 464287507 85,502 302,041 SH   SOLE   302,041 0 0
ISHARES TR CORE S&P SCP ETF 464287804 33,421 291,858 SH   SOLE   291,858 0 0
ISHARES TR CORE S&P TTL STK 464287150 4,403 41,153 SH   SOLE   41,153 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,332 2,792 SH   SOLE   2,792 0 0
ISHARES TR IBONDS DEC 46435U697 528 19,684 SH   SOLE   19,684 0 0
ISHARES TR IBONDS DEC 25 46435U432 629 22,570 SH   SOLE   22,570 0 0
ISHARES TR IBONDS DEC 26 46435U259 574 21,367 SH   SOLE   21,367 0 0
ISHARES TR IBONDS DEC 27 46435U283 215 7,966 SH   SOLE   7,966 0 0
ISHARES TR IBONDS DEC2022 46435G755 555 21,278 SH   SOLE   21,278 0 0
ISHARES TR IBONDS DEC2023 46435G318 569 21,971 SH   SOLE   21,971 0 0
ISHARES TR MBS ETF 464288588 235 2,187 SH   SOLE   2,187 0 0
ISHARES TR MSCI EAFE ETF 464287465 547 6,958 SH   SOLE   6,958 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 351 7,189 SH   SOLE   7,189 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 204 6,156 SH   SOLE   6,156 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 213 2,633 SH   SOLE   2,633 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,225 19,138 SH   SOLE   19,138 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,725 43,759 SH   SOLE   43,759 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,142 7,011 SH   SOLE   7,011 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,170 6,968 SH   SOLE   6,968 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 255 2,087 SH   SOLE   2,087 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 613 2,757 SH   SOLE   2,757 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 426 5,086 SH   SOLE   5,086 0 0
ISHARES TR S&P MC 400GR ETF 464287606 366 4,292 SH   SOLE   4,292 0 0
ISHARES TR SELECT DIVID ETF 464287168 281 2,292 SH   SOLE   2,292 0 0
ISHARES TR TIPS BD ETF 464287176 407 3,152 SH   SOLE   3,152 0 0
JOHNSON & JOHNSON COM 478160104 6,464 37,784 SH   SOLE   37,784 0 0
JOHNSON CTLS INTL PLC SHS G51502105 395 4,862 SH   SOLE   4,862 0 0
JPMORGAN CHASE & CO COM 46625H100 9,217 58,203 SH   SOLE   58,203 0 0
KEYCORP COM 493267108 370 15,981 SH   SOLE   15,981 0 0
KIMBERLY-CLARK CORP COM 494368103 1,081 7,564 SH   SOLE   7,564 0 0
KINDER MORGAN INC DEL COM 49456B101 239 15,077 SH   SOLE   15,077 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 250 6,775 SH   SOLE   6,775 0 0
LAKELAND BANCORP INC COM 511637100 1,234 65,005 SH   SOLE   65,005 0 0
LAM RESEARCH CORP COM 512807108 740 1,029 SH   SOLE   1,029 0 0
LAUDER ESTEE COS INC CL A 518439104 771 2,082 SH   SOLE   2,082 0 0
LEGGETT & PLATT INC COM 524660107 482 11,708 SH   SOLE   11,708 0 0
LILLY ELI & CO COM 532457108 1,810 6,551 SH   SOLE   6,551 0 0
LINDE PLC SHS G5494J103 1,285 3,710 SH   SOLE   3,710 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 384 150,780 SH   SOLE   150,780 0 0
LOCKHEED MARTIN CORP COM 539830109 451 1,270 SH   SOLE   1,270 0 0
LOWES COS INC COM 548661107 3,167 12,252 SH   SOLE   12,252 0 0
MAMAMANCINI S HLDGS INC COM 56146T103 38 19,000 SH   SOLE   19,000 0 0
MARRIOTT INTL INC NEW CL A 571903202 678 4,104 SH   SOLE   4,104 0 0
MARRIOTT VACATIONS WORLDWIDE NOTE 1.500% 9/1 57164YAB3 24 20,000 SH   SOLE   20,000 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,722 9,908 SH   SOLE   9,908 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,221 11,747 SH   SOLE   11,747 0 0
MCDONALDS CORP COM 580135101 3,219 12,007 SH   SOLE   12,007 0 0
MEDTRONIC PLC SHS G5960L103 1,233 11,923 SH   SOLE   11,923 0 0
MERCK & CO INC COM 58933Y105 2,036 26,564 SH   SOLE   26,564 0 0
META PLATFORMS INC CL A 30303M102 7,869 23,396 SH   SOLE   23,396 0 0
METLIFE INC COM 59156R108 1,138 18,205 SH   SOLE   18,205 0 0
MICRON TECHNOLOGY INC COM 595112103 758 8,135 SH   SOLE   8,135 0 0
MICROSOFT CORP COM 594918104 29,271 87,032 SH   SOLE   87,032 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 1,390 254,633 SH   SOLE   254,633 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 548 214,906 SH   SOLE   214,906 0 0
MODERNA INC COM 60770K107 546 2,148 SH   SOLE   2,148 0 0
MONDELEZ INTL INC CL A 609207105 2,178 32,844 SH   SOLE   32,844 0 0
MOODYS CORP COM 615369105 1,133 2,901 SH   SOLE   2,901 0 0
MORGAN STANLEY COM NEW 617446448 1,532 15,605 SH   SOLE   15,605 0 0
MORGAN STANLEY EMERGING MKTS COM 617477104 55 10,000 SH   SOLE   10,000 0 0
MP MATERIALS CORP COM CL A 553368101 212 4,668 SH   SOLE   4,668 0 0
MURPHY USA INC COM 626755102 251 1,260 SH   SOLE   1,260 0 0
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 558 91,267 SH   SOLE   91,267 0 0
NETFLIX INC COM 64110L106 2,915 4,839 SH   SOLE   4,839 0 0
NEW MTN FIN CORP COM 647551100 2,015 147,067 SH   SOLE   147,067 0 0
NEW RELIC INC NOTE 0.500% 5/0 64829BAB6 494 415,000 SH   SOLE   415,000 0 0
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 380 7,176 SH   SOLE   7,176 0 0
NEXTERA ENERGY INC COM 65339F101 2,725 29,193 SH   SOLE   29,193 0 0
NICE LTD SPONSORED ADR 653656108 1,210 3,986 SH   SOLE   3,986 0 0
NIKE INC CL B 654106103 2,480 14,880 SH   SOLE   14,880 0 0
NOKIA CORP SPONSORED ADR 654902204 781 125,524 SH   SOLE   125,524 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 144 33,244 SH   SOLE   33,244 0 0
NORDIC AMERICAN TANKERS LIMI COM G65773106 20 11,648 SH   SOLE   11,648 0 0
NORFOLK SOUTHN CORP COM 655844108 860 2,888 SH   SOLE   2,888 0 0
NOVARTIS AG SPONSORED ADR 66987V109 853 9,755 SH   SOLE   9,755 0 0
NOVO-NORDISK A S ADR 670100205 1,671 14,919 SH   SOLE   14,919 0 0
NUCOR CORP COM 670346105 654 5,727 SH   SOLE   5,727 0 0
NUTRIEN LTD COM 67077M108 308 4,098 SH   SOLE   4,098 0 0
NVIDIA CORPORATION COM 67066G104 6,746 22,936 SH   SOLE   22,936 0 0
NXP SEMICONDUCTORS N V COM N6596X109 294 1,292 SH   SOLE   1,292 0 0
OMNICOM GROUP INC COM 681919106 364 4,963 SH   SOLE   4,963 0 0
ORACLE CORP COM 68389X105 2,462 28,234 SH   SOLE   28,234 0 0
ORCHARD THERAPEUTICS PLC ADS 68570P101 29 22,000 SH   SOLE   22,000 0 0
ORIX CORP SPONSORED ADR 686330101 675 6,636 SH   SOLE   6,636 0 0
OTIS WORLDWIDE CORP COM 68902V107 302 3,464 SH   SOLE   3,464 0 0
PARK NATL CORP COM 700658107 434 3,161 SH   SOLE   3,161 0 0
PAYPAL HLDGS INC COM 70450Y103 2,193 11,630 SH   SOLE   11,630 0 0
PEARSON PLC SPONSORED ADR 705015105 469 55,789 SH   SOLE   55,789 0 0
PEOPLES UNITED FINANCIAL INC COM 712704105 549 30,800 SH   SOLE   30,800 0 0
PEPSICO INC COM 713448108 4,475 25,760 SH   SOLE   25,760 0 0
PFIZER INC COM 717081103 4,912 83,188 SH   SOLE   83,188 0 0
PHILIP MORRIS INTL INC COM 718172109 1,898 19,975 SH   SOLE   19,975 0 0
PHILLIPS 66 COM 718546104 377 5,197 SH   SOLE   5,197 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,867 9,308 SH   SOLE   9,308 0 0
PROCORE TECHNOLOGIES INC COM 74275K108 543 6,786 SH   SOLE   6,786 0 0
PROCTER AND GAMBLE CO COM 742718109 6,710 41,017 SH   SOLE   41,017 0 0
PROGRESSIVE CORP COM 743315103 549 5,351 SH   SOLE   5,351 0 0
PROLOGIS INC. COM 74340W103 1,549 9,203 SH   SOLE   9,203 0 0
PRUDENTIAL FINL INC COM 744320102 256 2,364 SH   SOLE   2,364 0 0
PURE STORAGE INC NOTE 0.125% 4/1 74624MAB8 434 325,000 SH   SOLE   325,000 0 0
QUALCOMM INC COM 747525103 1,891 10,342 SH   SOLE   10,342 0 0
RAMBUS INC DEL NOTE 1.375% 2/0 750917AG1 384 245,000 SH   SOLE   245,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,093 24,320 SH   SOLE   24,320 0 0
REALTY INCOME CORP COM 756109104 485 6,772 SH   SOLE   6,772 0 0
RELX PLC SPONSORED ADR 759530108 1,049 32,166 SH   SOLE   32,166 0 0
RIO TINTO PLC SPONSORED ADR 767204100 820 12,246 SH   SOLE   12,246 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 203 4,688 SH   SOLE   4,688 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 349 8,041 SH   SOLE   8,041 0 0
RPM INTL INC COM 749685103 553 5,471 SH   SOLE   5,471 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203 655 6,399 SH   SOLE   6,399 0 0
S&P GLOBAL INC COM 78409V104 894 1,895 SH   SOLE   1,895 0 0
SALESFORCE COM INC COM 79466L302 2,522 9,926 SH   SOLE   9,926 0 0
SANOFI SPONSORED ADR 80105N105 605 12,077 SH   SOLE   12,077 0 0
SAP SE SPON ADR 803054204 987 7,045 SH   SOLE   7,045 0 0
SCHLUMBERGER LTD COM STK 806857108 479 15,978 SH   SOLE   15,978 0 0
SCHWAB CHARLES CORP COM 808513105 4,817 57,278 SH   SOLE   57,278 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 535 9,124 SH   SOLE   9,124 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 286 8,788 SH   SOLE   8,788 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,637 14,380 SH   SOLE   14,380 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 227 2,221 SH   SOLE   2,221 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 11,292 179,544 SH   SOLE   179,544 0 0
SEA LTD SPONSORD ADS 81141R100 1,840 8,224 SH   SOLE   8,224 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 733 13,202 SH   SOLE   13,202 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,000 25,602 SH   SOLE   25,602 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 385 1,882 SH   SOLE   1,882 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 249 3,232 SH   SOLE   3,232 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 918 6,519 SH   SOLE   6,519 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 399 3,773 SH   SOLE   3,773 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,084 6,235 SH   SOLE   6,235 0 0
SERVICENOW INC COM 81762P102 885 1,364 SH   SOLE   1,364 0 0
SHERWIN WILLIAMS CO COM 824348106 1,326 3,765 SH   SOLE   3,765 0 0
SIGNATURE BK NEW YORK N Y COM 82669G104 287 887 SH   SOLE   887 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 200 1,290 SH   SOLE   1,290 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 1,287 10,182 SH   SOLE   10,182 0 0
SOUTHERN CO COM 842587107 883 12,871 SH   SOLE   12,871 0 0
SPDR GOLD TR GOLD SHS 78463V107 315 1,842 SH   SOLE   1,842 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,725 16,265 SH   SOLE   16,265 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 619 1,196 SH   SOLE   1,196 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 35,352 487,822 SH   SOLE   487,822 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 27,073 644,600 SH   SOLE   644,600 0 0
SPDR SER TR S&P METALS MNG 78464A755 229 5,122 SH   SOLE   5,122 0 0
STARBUCKS CORP COM 855244109 1,713 14,643 SH   SOLE   14,643 0 0
STRYKER CORPORATION COM 863667101 836 3,128 SH   SOLE   3,128 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 1,169 172,197 SH   SOLE   172,197 0 0
SUPERNUS PHARMACEUTICALS NOTE 0.625% 4/0 868459AD0 376 381,000 SH   SOLE   381,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 629 5,229 SH   SOLE   5,229 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 207 15,213 SH   SOLE   15,213 0 0
TALARIS THERAPEUTICS INC COM 87410C104 910 59,520 SH   SOLE   59,520 0 0
TARGET CORP COM 87612E106 2,013 8,698 SH   SOLE   8,698 0 0
TELEFONICA S A SPONSORED ADR 879382208 162 38,230 SH   SOLE   38,230 0 0
TENARIS S A SPONSORED ADS 88031M109 218 10,430 SH   SOLE   10,430 0 0
TERADYNE INC COM 880770102 280 1,713 SH   SOLE   1,713 0 0
TESLA INC COM 88160R101 7,600 7,192 SH   SOLE   7,192 0 0
TEXAS INSTRS INC COM 882508104 2,959 15,700 SH   SOLE   15,700 0 0
TEXTRON INC COM 883203101 250 3,235 SH   SOLE   3,235 0 0
THERAPEUTICSMD INC COM 88338N107 4 10,000 SH   SOLE   10,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 3,805 5,703 SH   SOLE   5,703 0 0
TJX COS INC NEW COM 872540109 1,078 14,197 SH   SOLE   14,197 0 0
T-MOBILE US INC COM 872590104 202 1,739 SH   SOLE   1,739 0 0
TOLL BROTHERS INC COM 889478103 1,531 21,147 SH   SOLE   21,147 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 440 5,740 SH   SOLE   5,740 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,192 24,106 SH   SOLE   24,106 0 0
TOYOTA MOTOR CORP ADS 892331307 2,000 10,795 SH   SOLE   10,795 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 428 2,120 SH   SOLE   2,120 0 0
TRAVELERS COMPANIES INC COM 89417E109 703 4,493 SH   SOLE   4,493 0 0
TRUIST FINL CORP COM 89832Q109 895 15,278 SH   SOLE   15,278 0 0
UNILEVER PLC SPON ADR NEW 904767704 477 8,861 SH   SOLE   8,861 0 0
UNION PAC CORP COM 907818108 3,543 14,065 SH   SOLE   14,065 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,689 12,545 SH   SOLE   12,545 0 0
UNITEDHEALTH GROUP INC COM 91324P102 7,071 14,081 SH   SOLE   14,081 0 0
US BANCORP DEL COM NEW 902973304 1,766 31,441 SH   SOLE   31,441 0 0
V F CORP COM 918204108 421 5,756 SH   SOLE   5,756 0 0
VALERO ENERGY CORP COM 91913Y100 480 6,397 SH   SOLE   6,397 0 0
VALLEY NATL BANCORP COM 919794107 172 12,483 SH   SOLE   12,483 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 39,577 131,161 SH   SOLE   131,161 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 18,755 123,868 SH   SOLE   123,868 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 205 2,415 SH   SOLE   2,415 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 9,150 28,513 SH   SOLE   28,513 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 386 2,566 SH   SOLE   2,566 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 38,935 152,824 SH   SOLE   152,824 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 179,385 410,897 SH   SOLE   410,897 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 583 3,259 SH   SOLE   3,259 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,876 65,819 SH   SOLE   65,819 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 399 1,414 SH   SOLE   1,414 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,986 12,366 SH   SOLE   12,366 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 16,943 115,175 SH   SOLE   115,175 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 367 5,984 SH   SOLE   5,984 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 39,303 794,637 SH   SOLE   794,637 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 47,937 873,008 SH   SOLE   873,008 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 18,081 272,010 SH   SOLE   272,010 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 42,240 455,366 SH   SOLE   455,366 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 348 4,436 SH   SOLE   4,436 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,000 5,821 SH   SOLE   5,821 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 64,155 1,256,454 SH   SOLE   1,256,454 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 889 7,926 SH   SOLE   7,926 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 220 2,574 SH   SOLE   2,574 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,415 27,225 SH   SOLE   27,225 0 0
VIAVI SOLUTIONS INC NOTE 1.000% 3/0 925550AB1 276 195,000 SH   SOLE   195,000 0 0
VISA INC COM CL A 92826C839 4,137 19,092 SH   SOLE   19,092 0 0
VISHAY INTERTECHNOLOGY INC NOTE 2.250% 6/1 928298AP3 409 395,000 SH   SOLE   395,000 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 460 30,840 SH   SOLE   30,840 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 669 12,834 SH   SOLE   12,834 0 0
WALMART INC COM 931142103 1,234 8,527 SH   SOLE   8,527 0 0
WASTE MGMT INC DEL COM 94106L109 467 2,797 SH   SOLE   2,797 0 0
WEC ENERGY GROUP INC COM 92939U106 215 2,220 SH   SOLE   2,220 0 0
WELLS FARGO CO NEW COM 949746101 2,488 51,846 SH   SOLE   51,846 0 0
WESTPAC BANKING CORP SPONSORED ADR 961214301 517 33,538 SH   SOLE   33,538 0 0
WNS HLDGS LTD SPON ADR 92932M101 397 4,500 SH   SOLE   4,500 0 0
WPP PLC NEW ADR 92937A102 770 10,194 SH   SOLE   10,194 0 0
XILINX INC COM 983919101 246 1,162 SH   SOLE   1,162 0 0
YUM BRANDS INC COM 988498101 826 5,950 SH   SOLE   5,950 0 0
YUM CHINA HLDGS INC COM 98850P109 234 4,698 SH   SOLE   4,698 0 0
ZIOPHARM ONCOLOGY INC COM 98973P101 16 15,000 SH   SOLE   15,000 0 0
ZOETIS INC CL A 98978V103 1,617 6,625 SH   SOLE   6,625 0 0