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
ABBVIE INC COM 00287Y109 256,977 1,384 SH SOLE 0 0 0
ABRDN ASIA PACIFIC INCOME FU COM NEW 003009867 210,601 13,229 SH SOLE 0 0 0
AEROVIRONMENT INC COM 008073108 285,805 1,003 SH SOLE 0 0 0
AFFIRM HLDGS INC COM CL A 00827B106 200,091 2,894 SH SOLE 0 0 0
ALPHABET INC CAP STK CL C 02079K107 2,344,388 13,216 SH SOLE 0 0 0
ALPHABET INC CAP STK CL A 02079K305 911,380 5,172 SH SOLE 0 0 0
ALPS ETF TR RIVERFRNT DYMC 00162Q528 540,552 9,318 SH SOLE 0 0 0
ALPS ETF TR RIVERFRONT DYM 00162Q536 205,191 9,086 SH SOLE 0 0 0
AMAZON COM INC COM 023135106 3,762,319 17,149 SH SOLE 0 0 0
AMERICAN CENTY ETF TR DIVERSIFID CRP 025072109 1,061,668 22,555 SH SOLE 0 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 874,310 12,756 SH SOLE 0 0 0
AMGEN INC COM 031162100 351,618 1,259 SH SOLE 0 0 0
APPLE INC COM 037833100 4,360,259 21,252 SH SOLE 0 0 0
ARM HOLDINGS PLC SPONSORED ADS 042068205 264,445 1,635 SH SOLE 0 0 0
AT&T INC COM 00206R102 291,592 10,076 SH SOLE 0 0 0
BANK AMERICA CORP COM 060505104 990,616 20,934 SH SOLE 0 0 0
BECTON DICKINSON &CO COM 075887109 277,311 1,610 SH SOLE 0 0 0
BELDEN INC COM 077454106 224,652 1,940 SH SOLE 0 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,091,282 2,247 SH SOLE 0 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 2,920,833 53,633 SH SOLE 0 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 2,005,536 37,955 SH SOLE 0 0 0
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 271,494 24,794 SH SOLE 0 0 0
BLACKSTONE INC COM 09260D107 236,595 1,582 SH SOLE 0 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 424,743 9,176 SH SOLE 0 0 0
BROADCOM INC COM 11135F101 1,204,936 4,371 SH SOLE 0 0 0
CAPITAL GROUP CORE BALANCED SHS 14021D107 1,034,127 30,925 SH SOLE 0 0 0
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108 203,208 5,503 SH SOLE 0 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 803,445 20,346 SH SOLE 0 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 4,148,934 102,065 SH SOLE 0 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 3,822,993 169,911 SH SOLE 0 0 0
CATERPILLAR INC COM 149123101 390,300 1,005 SH SOLE 0 0 0
CHEVRON CORP NEW COM 166764100 401,123 2,801 SH SOLE 0 0 0
CISCO SYS INC COM 17275R102 358,004 5,160 SH SOLE 0 0 0
CITIGROUP INC COM NEW 172967424 427,851 5,026 SH SOLE 0 0 0
COCA COLA CO COM 191216100 380,045 5,372 SH SOLE 0 0 0
COLGATE PALMOLIVE CO COM 194162103 423,265 4,656 SH SOLE 0 0 0
CONOCOPHILLIPS COM 20825C104 231,565 2,580 SH SOLE 0 0 0
CONSTELLATION ENERGY CORP COM 21037T109 525,406 1,628 SH SOLE 0 0 0
CORNING INC COM 219350105 762,995 14,508 SH SOLE 0 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,025,988 1,036 SH SOLE 0 0 0
CVS HEALTH CORP COM 126650100 665,851 9,653 SH SOLE 0 0 0
DEERE &CO COM 244199105 695,489 1,368 SH SOLE 0 0 0
DOCUSIGN INC COM 256163106 606,218 5,196 SH SOLE 0 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 307,661 2,607 SH SOLE 0 0 0
EATON CORP PLC SHS G29183103 755,575 2,117 SH SOLE 0 0 0
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108 276,442 27,023 SH SOLE 0 0 0
ELI LILLY &CO COM 532457108 841,276 1,079 SH SOLE 0 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 284,017 15,666 SH SOLE 0 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 288,246 9,295 SH SOLE 0 0 0
ETF SER SOLUTIONS DEFIANCE QUANTUM 26922A420 590,620 6,433 SH SOLE 0 0 0
EXELON CORP COM 30161N101 288,637 6,648 SH SOLE 0 0 0
EXXON MOBIL CORP COM 30231G102 823,770 7,642 SH SOLE 0 0 0
FERGUSON ENTERPRISES INC COMMON STOCK NEW 31488V107 206,204 947 SH SOLE 0 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 736,424 3,734 SH SOLE 0 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 270,942 4,181 SH SOLE 0 0 0
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 1,867,014 56,134 SH SOLE 0 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 3,172,511 69,345 SH SOLE 0 0 0
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855 238,230 12,545 SH SOLE 0 0 0
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 350,001 4,631 SH SOLE 0 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 3,596,848 57,329 SH SOLE 0 0 0
FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF 33738R605 351,470 5,931 SH SOLE 0 0 0
FIRST TR EXCHANGE-TRADED FD LIMITED DURATION 33738D804 264,812 13,850 SH SOLE 0 0 0
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705 832,323 16,952 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F664 571,489 12,765 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F722 320,410 5,970 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755 744,724 23,419 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F763 397,536 7,585 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI SMITH OPPORT FXD 33740F805 276,647 6,303 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F862 216,467 4,415 SH SOLE 0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST UQ EQT 33740U505 2,184,832 46,818 SH SOLE 0 0 0
FRANKLIN TEMPLETON ETF TR US LRG CP MLTFCT 35473P801 247,735 3,922 SH SOLE 0 0 0
GABELLI EQUITY TR INC COM 362397101 501,009 86,084 SH SOLE 0 0 0
GENERAL MLS INC COM 370334104 271,971 5,249 SH SOLE 0 0 0
GILEAD SCIENCES INC COM 375558103 517,022 4,663 SH SOLE 0 0 0
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 410,719 9,401 SH SOLE 0 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 522,444 4,304 SH SOLE 0 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 245,102 346 SH SOLE 0 0 0
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 667,612 7,870 SH SOLE 0 0 0
HARTFORD INSURANCE GROUP INC COM 416515104 326,167 2,571 SH SOLE 0 0 0
HOME DEPOT INC COM 437076102 759,318 2,071 SH SOLE 0 0 0
HONEYWELL INTL INC COM 438516106 577,293 2,479 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US SML CP PWR B 45782C284 326,984 11,200 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318 1,054,291 27,900 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US SML CP PWR ET 45782C342 374,086 11,551 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383 223,819 5,300 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 387,702 10,200 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 521,664 13,200 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US SML CP PWR B 45782C599 240,950 7,900 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 310,764 7,600 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748 418,474 10,525 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813 301,469 6,875 SH SOLE 0 0 0
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 421,377 11,300 SH SOLE 0 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 673,599 2,285 SH SOLE 0 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672 567,532 4,855 SH SOLE 0 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,058,264 5,823 SH SOLE 0 0 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480 467,204 8,986 SH SOLE 0 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 423,359 767 SH SOLE 0 0 0
ISHARES SILVER TR ISHARES 46428Q109 367,144 11,190 SH SOLE 0 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,266,070 2,039 SH SOLE 0 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 222,546 2,021 SH SOLE 0 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 1,168,911 12,205 SH SOLE 0 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 965,088 11,647 SH SOLE 0 0 0
ISHARES TR MSCI EAFE ETF 464287465 891,150 9,969 SH SOLE 0 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 235,639 1,213 SH SOLE 0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,229,815 14,673 SH SOLE 0 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 386,670 1,792 SH SOLE 0 0 0
ISHARES TR NATIONAL MUN ETF 464288414 244,775 2,343 SH SOLE 0 0 0
ISHARES TR PFD AND INCM SEC 464288687 268,276 8,744 SH SOLE 0 0 0
ISHARES TR US AER DEF ETF 464288760 1,549,616 8,215 SH SOLE 0 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,418,495 28,971 SH SOLE 0 0 0
ISHARES TR CORE DIV GRWTH 46434V621 5,023,660 78,568 SH SOLE 0 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 392,336 6,901 SH SOLE 0 0 0
JABIL INC COM 466313103 300,542 1,378 SH SOLE 0 0 0
JOHNSON &JOHNSON COM 478160104 896,465 5,869 SH SOLE 0 0 0
JPMORGAN CHASE &CO. COM 46625H100 797,733 2,752 SH SOLE 0 0 0
KAYNE ANDERSON ENERGY INFRST COM 486606106 308,092 24,221 SH SOLE 0 0 0
KEURIG DR PEPPER INC COM 49271V100 314,401 9,510 SH SOLE 0 0 0
LAM RESEARCH CORP COM NEW 512807306 223,882 2,300 SH SOLE 0 0 0
LOCKHEED MARTIN CORP COM 539830109 930,497 2,009 SH SOLE 0 0 0
MATSON INC COM 57686G105 214,282 1,924 SH SOLE 0 0 0
MCDONALDS CORP COM 580135101 255,368 874 SH SOLE 0 0 0
MCKESSON CORP COM 58155Q103 412,555 563 SH SOLE 0 0 0
MERCK &CO INC COM 58933Y105 1,692,548 21,381 SH SOLE 0 0 0
META PLATFORMS INC CL A 30303M102 828,122 1,122 SH SOLE 0 0 0
MICROSOFT CORP COM 594918104 3,588,015 7,213 SH SOLE 0 0 0
NBT BANCORP INC COM 628778102 778,390 18,734 SH SOLE 0 0 0
NETFLIX INC COM 64110L106 228,991 171 SH SOLE 0 0 0
NRG ENERGY INC COM NEW 629377508 858,848 5,348 SH SOLE 0 0 0
NUVEEN N Y MUN VALUE FD COM 67062M105 912,103 112,467 SH SOLE 0 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 432,242 38,083 SH SOLE 0 0 0
NVIDIA CORPORATION COM 67066G104 7,136,122 45,168 SH SOLE 0 0 0
PACER FDS TR US SMALL CAP CAS 69374H857 230,529 5,790 SH SOLE 0 0 0
PACER FDS TR DEVELOPED MRKT 69374H873 351,239 10,321 SH SOLE 0 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 518,698 3,805 SH SOLE 0 0 0
PALO ALTO NETWORKS INC COM 697435105 593,661 2,901 SH SOLE 0 0 0
PAYCHEX INC COM 704326107 545,532 3,750 SH SOLE 0 0 0
PFIZER INC COM 717081103 1,585,288 65,400 SH SOLE 0 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,530,955 8,212 SH SOLE 0 0 0
PROCTER AND GAMBLE CO COM 742718109 387,209 2,430 SH SOLE 0 0 0
PROVIDENT FINL SVCS INC COM 74386T105 882,626 50,349 SH SOLE 0 0 0
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103 252,311 25,512 SH SOLE 0 0 0
QUALCOMM INC COM 747525103 292,840 1,839 SH SOLE 0 0 0
ROYAL CARIBBEAN GROUP COM V7780T103 358,232 1,144 SH SOLE 0 0 0
RTX CORPORATION COM 75513E101 459,293 3,145 SH SOLE 0 0 0
RYDER SYS INC COM 783549108 271,731 1,709 SH SOLE 0 0 0
SALESFORCE INC COM 79466L302 323,207 1,185 SH SOLE 0 0 0
SCHWAB CHARLES CORP COM 808513105 239,549 2,625 SH SOLE 0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 335,314 2,488 SH SOLE 0 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 307,235 3,623 SH SOLE 0 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 227,761 4,349 SH SOLE 0 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 236,032 1,600 SH SOLE 0 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 343,924 4,212 SH SOLE 0 0 0
SOUTHERN CO COM 842587107 293,279 3,194 SH SOLE 0 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,523,540 4,998 SH SOLE 0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,816,668 4,559 SH SOLE 0 0 0
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201 516,506 5,820 SH SOLE 0 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 784,388 8,229 SH SOLE 0 0 0
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 1,148,255 15,797 SH SOLE 0 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 214,088 279 SH SOLE 0 0 0
SPROUTS FMRS MKT INC COM 85208M102 458,687 2,786 SH SOLE 0 0 0
SUNCOR ENERGY INC NEW COM 867224107 322,766 8,619 SH SOLE 0 0 0
SUPER MICRO COMPUTER INC COM NEW 86800U302 269,555 5,500 SH SOLE 0 0 0
TESLA INC COM 88160R101 1,409,775 4,438 SH SOLE 0 0 0
TRAVELERS COMPANIES INC COM 89417E109 278,302 1,040 SH SOLE 0 0 0
UBER TECHNOLOGIES INC COM 90353T100 692,473 7,422 SH SOLE 0 0 0
UNITED AIRLS HLDGS INC COM 910047109 238,890 3,000 SH SOLE 0 0 0
UNITED RENTALS INC COM 911363109 502,518 667 SH SOLE 0 0 0
UNUM GROUP COM 91529Y106 217,244 2,690 SH SOLE 0 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 394,144 1,413 SH SOLE 0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 670,241 1,180 SH SOLE 0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 341,023 6,895 SH SOLE 0 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 313,162 1,530 SH SOLE 0 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 271,035 2,033 SH SOLE 0 0 0
VEEVA SYS INC CL A COM 922475108 4,479,241 15,554 SH SOLE 0 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 452,801 10,465 SH SOLE 0 0 0
VIRTUS ARTIFICIAL INTELLIGEN COM 92838Y100 308,664 12,436 SH SOLE 0 0 0
VISA INC COM CL A 92826C839 575,100 1,620 SH SOLE 0 0 0
WALMART INC COM 931142103 1,434,260 14,668 SH SOLE 0 0 0
WASTE MGMT INC DEL COM 94106L109 1,153,300 5,040 SH SOLE 0 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 370,565 4,127 SH SOLE 0 0 0
ZOOM COMMUNICATIONS INC CL A 98980L101 265,522 3,405 SH SOLE 0 0 0