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 274,539 1,091 SH SOLE 0 0 1,091
ADVANCED MICRO DEVICES INC COM 007903107 610,157 1,050 SH SOLE 0 0 1,050
AFLAC INC COM 001055102 1,371,942 11,701 SH SOLE 0 0 11,701
ALPHABET INC CAP STK CL C 02079K107 6,071,787 17,184 SH SOLE 0 0 17,184
ALPHABET INC CAP STK CL A 02079K305 1,371,916 3,839 SH SOLE 0 0 3,839
AMAZON COM INC COM 023135106 3,224,486 13,529 SH SOLE 0 0 13,529
AMGEN INC COM 031162100 1,156,249 3,193 SH SOLE 0 0 3,193
ANALOG DEVICES INC COM 032654105 526,250 1,325 SH SOLE 0 0 1,325
APPLE INC COM 037833100 7,584,475 26,211 SH SOLE 0 0 26,211
ARISTA NETWORKS INC COM SHS 040413205 1,202,071 7,076 SH SOLE 0 0 7,076
ASML HLDG NV N Y REGISTRY SHS N07059210 2,303,772 1,158 SH SOLE 0 0 1,158
BANK OF AMER CORP 7.25%CNV PFD L 060505682 970,983 774 SH SOLE 0 0 774
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,604,751 3,207 SH SOLE 0 0 3,207
BLACKROCK FLOATING RATE INCO COM 09255X100 371,561 33,809 SH SOLE 0 0 33,809
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 333,878 28,057 SH SOLE 0 0 28,057
BLACKROCK MUNIYIELD QUALITY COM 09254E103 395,583 35,606 SH SOLE 0 0 35,606
BROADCOM INC COM 11135F101 2,248,746 5,953 SH SOLE 0 0 5,953
BRT APARTMENTS CORP COM 055645303 219,484 14,280 SH SOLE 0 0 14,280
CONSTELLATION ENERGY CORP COM 21037T109 725,986 2,923 SH SOLE 0 0 2,923
COSTCO WHOLESALE CORPORATION COM 22160K105 668,143 714 SH SOLE 0 0 714
DBX ETF TR XTRACK USD HIGH 233051432 320,098 8,765 SH SOLE 0 0 8,765
DBX ETF TR XTRACK MSCI EAFE 233051200 304,125 5,567 SH SOLE 0 0 5,567
DEERE & CO COM 244199105 2,732,825 4,308 SH SOLE 0 0 4,308
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 6,050,122 73,836 SH SOLE 0 0 73,836
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 4,234,065 76,969 SH SOLE 0 0 76,969
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,536,217 18,657 SH SOLE 0 0 18,657
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,687,526 24,142 SH SOLE 0 0 24,142
EATON VANCE LIMITED DURATION COM 27828H105 271,496 28,975 SH SOLE 0 0 28,975
ELI LILLY & CO COM 532457108 2,421,491 2,019 SH SOLE 0 0 2,019
EXXON MOBIL CORP COM 30231G102 1,407,259 10,293 SH SOLE 0 0 10,293
GE AEROSPACE COM NEW 369604301 307,954 824 SH SOLE 0 0 824
GENERAL DYNAMICS CORP COM 369550108 1,726,920 4,875 SH SOLE 0 0 4,875
GILEAD SCIENCES INC COM 375558103 222,864 1,764 SH SOLE 0 0 1,764
HOME DEPOT INC COM 437076102 1,403,314 3,979 SH SOLE 0 0 3,979
INVESCO EXCH TRD SLF IDX FD BUL 2033 COR ETF 46139W825 4,227,633 200,790 SH SOLE 0 0 200,790
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 353,668 19,040 SH SOLE 0 0 19,040
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 522,903 31,415 SH SOLE 0 0 31,415
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858 252,806 12,326 SH SOLE 0 0 12,326
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,248,660 61,314 SH SOLE 0 0 61,314
INVESCO EXCH TRD SLF IDX FD BULLE MUN ETF 46139W791 381,501 14,784 SH SOLE 0 0 14,784
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 203,360 9,278 SH SOLE 0 0 9,278
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 294,474 1,384 SH SOLE 0 0 1,384
INVESCO QQQ TR UNIT SER 1 46090E103 1,559,695 2,118 SH SOLE 0 0 2,118
ISHARES TR LATN AMER 40 ETF 464287390 1,521,214 45,073 SH SOLE 0 0 45,073
ISHARES TR MSCI EAFE ETF 464287465 3,699,271 35,611 SH SOLE 0 0 35,611
ISHARES TR MSCI INDIA ETF 46429B598 2,139,180 43,312 SH SOLE 0 0 43,312
ISHARES TR ISHARES BIOTECH 464287556 351,091 1,846 SH SOLE 0 0 1,846
ISHARES TR CORE S&P MCP ETF 464287507 579,413 7,514 SH SOLE 0 0 7,514
ISHARES TR RUSSELL 2000 ETF 464287655 3,068,496 10,213 SH SOLE 0 0 10,213
ISHARES TR TIPS BD ETF 464287176 485,541 4,437 SH SOLE 0 0 4,437
ISHARES TR CORE S&P SCP ETF 464287804 582,562 3,928 SH SOLE 0 0 3,928
ISHARES TR MSCI EMG MKT ETF 464287234 953,704 13,941 SH SOLE 0 0 13,941
ISHARES TR CORE S&P500 ETF 464287200 720,432 962 SH SOLE 0 0 962
ISHARES TR MSCI USA MIN ETF 46429B697 446,031 4,624 SH SOLE 0 0 4,624
ISHARES TR RUS 1000 GRW ETF 464287614 234,433 1,888 SH SOLE 0 0 1,888
ISHARES TR CALIF MUN BD ETF 464288356 253,616 4,400 SH SOLE 0 0 4,400
JOHNSON & JOHNSON COM 478160104 536,639 2,113 SH SOLE 0 0 2,113
JPMORGAN CHASE & CO COM 46625H100 2,244,381 6,857 SH SOLE 0 0 6,857
LINDE PLC SHS G54950103 422,417 814 SH SOLE 0 0 814
MASTERCARD INCORPORATED CL A 57636Q104 1,201,824 2,340 SH SOLE 0 0 2,340
MCKESSON CORP COM 58155Q103 2,891,412 3,827 SH SOLE 0 0 3,827
MICRON TECHNOLOGY INC COM 595112103 1,258,624 1,090 SH SOLE 0 0 1,090
MICROSOFT CORP COM 594918104 3,582,468 9,604 SH SOLE 0 0 9,604
NEXTERA ENERGY INC COM 65339F101 1,450,515 16,526 SH SOLE 0 0 16,526
NEXTERA ENERGY INC UNIT 06/01/2027 65339F663 1,023,370 19,258 SH SOLE 0 0 19,258
NORFOLK SOUTHN CORP COM 655844108 897,211 2,852 SH SOLE 0 0 2,852
NUVEEN AMT FREE QLTY MUN INC COM 670657105 221,017 18,826 SH SOLE 0 0 18,826
NUVEEN MUN CR INCOME FD COM SH BEN INT 67070X101 209,372 16,512 SH SOLE 0 0 16,512
NUVEEN N Y MUN VALUE FD COM 67062M105 196,126 22,440 SH SOLE 0 0 22,440
NUVEEN QUALITY MUNCP INCOME COM 67066V101 185,206 15,281 SH SOLE 0 0 15,281
NVIDIA CORPORATION COM 67066G104 5,614,540 28,060 SH SOLE 0 0 28,060
PALO ALTO NETWORKS INC COM 697435105 2,231,294 6,543 SH SOLE 0 0 6,543
PEPSICO INC COM 713448108 801,568 5,920 SH SOLE 0 0 5,920
PHILLIPS 66 COM 718546104 1,377,250 8,147 SH SOLE 0 0 8,147
PIMCO DYNAMIC INCOME STRATEG COM SHS BEN INT 69346N107 582,052 27,956 SH SOLE 0 0 27,956
PROCTER & GAMBLE CO COM 742718109 234,917 1,602 SH SOLE 0 0 1,602
PUBLIC SVC ENTERPRISE GROUP COM 744573106 344,362 4,243 SH SOLE 0 0 4,243
QXO INC COM NEW 82846H405 678,689 39,276 SH SOLE 0 0 39,276
QXO INC 5.50 DEP PFD 82846H504 428,278 8,787 SH SOLE 0 0 8,787
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 226,052 7,681 SH SOLE 0 0 7,681
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 249,962 1,312 SH SOLE 0 0 1,312
SNAP ON INC COM 833034101 245,866 611 SH SOLE 0 0 611
STARBUCKS CORP COM 855244109 252,915 2,475 SH SOLE 0 0 2,475
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,491,197 4,675 SH SOLE 0 0 4,675
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,650,739 2,347 SH SOLE 0 0 2,347
THE CIGNA GROUP COM 125523100 1,096,403 3,977 SH SOLE 0 0 3,977
TJX COS INC NEW COM 872540109 340,875 2,250 SH SOLE 0 0 2,250
TRAVELERS COMPANIES INC COM 89417E109 2,329,657 7,057 SH SOLE 0 0 7,057
TRUIST FINL CORP COM 89832Q109 938,310 18,834 SH SOLE 0 0 18,834
UBER TECHNOLOGIES INC COM 90353T100 913,750 12,663 SH SOLE 0 0 12,663
UNITEDHEALTH GROUP INC COM 91324P102 930,596 2,239 SH SOLE 0 0 2,239
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 201,200 2,000 SH SOLE 0 0 2,000
VANGUARD INDEX FDS MID CAP ETF 922908629 4,444,966 55,169 SH SOLE 0 0 55,169
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,255,798 17,339 SH SOLE 0 0 17,339
VANGUARD INDEX FDS VALUE ETF 922908744 434,770 1,995 SH SOLE 0 0 1,995
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,313,181 1,912 SH SOLE 0 0 1,912
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 402,364 7,955 SH SOLE 0 0 7,955
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 509,916 2,155 SH SOLE 0 0 2,155
VANGUARD STAR FDS VG TL INTL STK F 921909768 598,601 7,002 SH SOLE 0 0 7,002
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 857,138 12,030 SH SOLE 0 0 12,030
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 228,750 3,402 SH SOLE 0 0 3,402
VICI PPTYS INC COM 925652109 1,021,512 38,475 SH SOLE 0 0 38,475
WABTEC COM 929740108 265,017 983 SH SOLE 0 0 983
WALMART INC COM 931142103 1,936,163 17,095 SH SOLE 0 0 17,095
WELLS FARGO & CO PERP PFD CNV A 949746804 448,916 388 SH SOLE 0 0 388
WELLS FARGO & CO COM 949746101 651,150 7,879 SH SOLE 0 0 7,879
WESTERN DIGITAL CORP COM 958102105 265,708 416 SH SOLE 0 0 416
WISDOMTREE TR JAPN HEDGE EQT 97717W851 344,264 1,984 SH SOLE 0 0 1,984