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
Expires: July 31, 2015
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
ADOBE INC COM 00724F101 285,131 737 SH SOLE 0 0 737
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 335,580 2,959 SH SOLE 0 0 2,959
ALPHABET INC CAP STK CL A 02079K305 4,810,620 27,297 SH SOLE 0 0 27,297
ALPHABET INC CAP STK CL C 02079K107 368,616 2,078 SH SOLE 0 0 2,078
ALTRIA GROUP INC COM 02209S103 408,926 6,975 SH SOLE 0 0 6,975
AMAZON COM INC COM 023135106 1,679,869 7,657 SH SOLE 0 0 7,657
APPLE INC COM 037833100 1,715,829 8,363 SH SOLE 0 0 8,363
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,248,144 4,628 SH SOLE 0 0 4,628
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 3,273,890 61,959 SH SOLE 0 0 61,959
BROADCOM INC COM 11135F101 440,489 1,598 SH SOLE 0 0 1,598
CITIGROUP INC COM NEW 172967424 351,218 4,126 SH SOLE 0 0 4,126
CITIZENS FINL GROUP INC COM 174610105 677,784 15,146 SH SOLE 0 0 15,146
CONSTELLATION ENERGY CORP COM 21037T109 523,869 1,623 SH SOLE 0 0 1,623
COSTCO WHSL CORP NEW COM 22160K105 415,384 420 SH SOLE 0 0 420
DEERE & CO COM 244199105 718,831 1,414 SH SOLE 0 0 1,414
ELI LILLY & CO COM 532457108 1,208,597 1,550 SH SOLE 0 0 1,550
EQT CORP COM 26884L109 452,563 7,760 SH SOLE 0 0 7,760
EXXON MOBIL CORP COM 30231G102 225,305 2,090 SH SOLE 0 0 2,090
GOLDMAN SACHS GROUP INC COM 38141G104 1,145,140 1,618 SH SOLE 0 0 1,618
HARBOR ETF TRUST LONG TERM GROWER 41151J406 527,891 18,125 SH SOLE 0 0 18,125
HARTFORD INSURANCE GROUP INC COM 416515104 371,729 2,930 SH SOLE 0 0 2,930
HOME DEPOT INC COM 437076102 680,484 1,856 SH SOLE 0 0 1,856
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 220,981 5,926 SH SOLE 0 0 5,926
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326 286,791 6,796 SH SOLE 0 0 6,796
INNOVATOR ETFS TRUST EQUITY DEFIN 1YR 45784N700 206,859 7,958 SH SOLE 0 0 7,958
INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433 276,830 6,200 SH SOLE 0 0 6,200
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 817,285 4,497 SH SOLE 0 0 4,497
INVESCO QQQ TR UNIT SER 1 46090E103 532,884 966 SH SOLE 0 0 966
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 228,068 3,726 SH SOLE 0 0 3,726
ISHARES SILVER TR ISHARES 46428Q109 264,317 8,056 SH SOLE 0 0 8,056
ISHARES TR CORE S&P500 ETF 464287200 55,054,185 88,668 SH SOLE 0 0 88,668
ISHARES TR GLOBAL 100 ETF 464287572 8,333,821 77,301 SH SOLE 0 0 77,301
ISHARES TR RUS 1000 GRW ETF 464287614 35,671,513 84,016 SH SOLE 0 0 84,016
ISHARES TR S&P 500 GRWT ETF 464287309 212,273 1,928 SH SOLE 0 0 1,928
ISHARES TR US AER DEF ETF 464288760 5,201,496 27,574 SH SOLE 0 0 27,574
ISHARES TR INTL SEL DIV ETF 464288448 1,027,845 29,784 SH SOLE 0 0 29,784
ISHARES TR RUS TP200 GR ETF 464289438 11,139,294 45,188 SH SOLE 0 0 45,188
ISHARES TR FLTG RATE NT ETF 46429B655 582,967 11,426 SH SOLE 0 0 11,426
ISHARES TR RUSSELL 2000 ETF 464287655 252,508 1,170 SH SOLE 0 0 1,170
ISHARES TR CORE DIV GRWTH 46434V621 498,462 7,796 SH SOLE 0 0 7,796
JPMORGAN CHASE & CO. COM 46625H100 1,204,079 4,153 SH SOLE 0 0 4,153
KEARNY FINL CORP MD COM 48716P108 89,174 13,804 SH SOLE 0 0 13,804
M & T BK CORP COM 55261F104 1,078,002 5,557 SH SOLE 0 0 5,557
META PLATFORMS INC CL A 30303M102 1,550,993 2,101 SH SOLE 0 0 2,101
MICROSOFT CORP COM 594918104 7,506,150 15,090 SH SOLE 0 0 15,090
MONDELEZ INTL INC CL A 609207105 445,716 6,609 SH SOLE 0 0 6,609
MOTOROLA SOLUTIONS INC COM NEW 620076307 374,061 890 SH SOLE 0 0 890
NETFLIX INC COM 64110L106 2,085,025 1,557 SH SOLE 0 0 1,557
NVIDIA CORPORATION COM 67066G104 3,689,856 23,355 SH SOLE 0 0 23,355
ORACLE CORP COM 68389X105 401,186 1,835 SH SOLE 0 0 1,835
PALO ALTO NETWORKS INC COM 697435105 1,640,190 8,015 SH SOLE 0 0 8,015
PENSKE AUTOMOTIVE GRP INC COM 70959W103 1,396,433 8,128 SH SOLE 0 0 8,128
PHILIP MORRIS INTL INC COM 718172109 3,145,365 17,270 SH SOLE 0 0 17,270
PIMCO ETF TR MULTISECTOR BD 72201R585 909,279 34,261 SH SOLE 0 0 34,261
PROCTER AND GAMBLE CO COM 742718109 467,037 2,931 SH SOLE 0 0 2,931
PROVIDENT FINL SVCS INC COM 74386T105 175,300 10,000 SH SOLE 0 0 10,000
QUALCOMM INC COM 747525103 330,070 2,073 SH SOLE 0 0 2,073
SAP SE SPON ADR 803054204 208,309 685 SH SOLE 0 0 685
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 616,919 11,780 SH SOLE 0 0 11,780
SIMPLIFY EXCHANGE TRADED FUN COMMODITIES STRA 82889N566 300,524 10,691 SH SOLE 0 0 10,691
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 458,276 1,040 SH SOLE 0 0 1,040
SPDR GOLD TR GOLD SHS 78463V107 4,026,499 13,209 SH SOLE 0 0 13,209
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 491,190 8,224 SH SOLE 0 0 8,224
SPDR S&P 500 ETF TR TR UNIT 78462F103 203,273 329 SH SOLE 0 0 329
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 1,260,136 17,336 SH SOLE 0 0 17,336
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 442,849 8,461 SH SOLE 0 0 8,461
SPINNAKER ETF SERIES SELECT STOXX EUR 84858T772 1,329,408 30,809 SH SOLE 0 0 30,809
SPOTIFY TECHNOLOGY S A SHS L8681T102 399,784 521 SH SOLE 0 0 521
STARBUCKS CORP COM 855244109 205,292 2,240 SH SOLE 0 0 2,240
TJX COS INC NEW COM 872540109 714,884 5,789 SH SOLE 0 0 5,789
UBER TECHNOLOGIES INC COM 90353T100 421,156 4,514 SH SOLE 0 0 4,514
UNITEDHEALTH GROUP INC COM 91324P102 485,113 1,555 SH SOLE 0 0 1,555
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 2,108,054 7,559 SH SOLE 0 0 7,559
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,596,019 8,458 SH SOLE 0 0 8,458
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 603,640 1,522 SH SOLE 0 0 1,522
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 558,412 6,270 SH SOLE 0 0 6,270
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,326,346 7,616 SH SOLE 0 0 7,616
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 713,123 3,701 SH SOLE 0 0 3,701
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 824,417 7,550 SH SOLE 0 0 7,550
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,312,498 6,413 SH SOLE 0 0 6,413
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 641,773 11,257 SH SOLE 0 0 11,257
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,300,854 9,265 SH SOLE 0 0 9,265
VANGUARD WORLD FD UTILITIES ETF 92204A876 1,246,710 7,063 SH SOLE 0 0 7,063
VANGUARD WORLD FD CONSUM STP ETF 92204A207 384,325 1,755 SH SOLE 0 0 1,755
VANGUARD WORLD FD FINANCIALS ETF 92204A405 374,848 2,945 SH SOLE 0 0 2,945
VANGUARD WORLD FD INF TECH ETF 92204A702 214,956 324 SH SOLE 0 0 324
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 349,355 1,247 SH SOLE 0 0 1,247
VERTIV HOLDINGS CO COM CL A 92537N108 360,704 2,809 SH SOLE 0 0 2,809
WALMART INC COM 931142103 505,429 5,169 SH SOLE 0 0 5,169
WISDOMTREE TR US QTLY DIV GRT 97717X669 385,204 4,600 SH SOLE 0 0 4,600