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 383,654 1,525 SH SOLE 0 0 1,525
ALPHABET INC CAP STK CL A 02079K305 7,321,627 20,488 SH SOLE 0 0 20,488
ALPHABET INC CAP STK CL C 02079K107 592,577 1,677 SH SOLE 0 0 1,677
ALTRIA GROUP INC COM 02209S103 494,108 6,867 SH SOLE 0 0 6,867
AMAZON COM INC COM 023135106 1,981,082 8,312 SH SOLE 0 0 8,312
APPLE INC COM 037833100 3,191,737 11,030 SH SOLE 0 0 11,030
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,232,240 4,461 SH SOLE 0 0 4,461
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 2,150,538 41,088 SH SOLE 0 0 41,088
BROADCOM INC COM 11135F101 883,634 2,339 SH SOLE 0 0 2,339
CAPITOL SER TR FAIR TA SECT ETF 14064D550 207,519 6,561 SH SOLE 0 0 6,561
CITIGROUP INC COM NEW 172967424 593,417 4,240 SH SOLE 0 0 4,240
CITIZENS FINL GROUP INC COM 174610105 1,063,663 15,180 SH SOLE 0 0 15,180
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 472,081 8,739 SH SOLE 0 0 8,739
ELI LILLY & CO COM 532457108 1,837,235 1,532 SH SOLE 0 0 1,532
EQT CORP COM 26884L109 422,223 7,941 SH SOLE 0 0 7,941
GLOBAL X FDS AI SEMI QUAN ETF 37960A230 258,865 2,435 SH SOLE 0 0 2,435
GLOBAL X FDS GLOBAL X COPPER 37954Y830 292,948 3,806 SH SOLE 0 0 3,806
GMO ETF TRUST US QUALITY ETF 90139K100 823,951 19,797 SH SOLE 0 0 19,797
GOLDMAN SACHS GROUP INC COM 38141G104 1,618,192 1,600 SH SOLE 0 0 1,600
HARBOR ETF TRUST LONG TERM GROWER 41151J406 908,413 27,977 SH SOLE 0 0 27,977
HARTFORD INSURANCE GROUP INC COM 416515104 358,864 2,708 SH SOLE 0 0 2,708
HOME DEPOT INC COM 437076102 656,690 1,862 SH SOLE 0 0 1,862
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870 223,196 5,289 SH SOLE 0 0 5,289
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326 321,791 6,796 SH SOLE 0 0 6,796
INNOVATOR ETFS TRUST EQUITY DEFND 1YR 45784N643 267,704 9,772 SH SOLE 0 0 9,772
INNOVATOR ETFS TRUST EQUITY DEFIN 1YR 45784N700 219,733 7,958 SH SOLE 0 0 7,958
INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433 326,381 6,200 SH SOLE 0 0 6,200
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 299,139 7,108 SH SOLE 0 0 7,108
INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106 324,314 12,160 SH SOLE 0 0 12,160
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,717,267 8,071 SH SOLE 0 0 8,071
INVESCO QQQ TR UNIT SER 1 46090E103 674,542 916 SH SOLE 0 0 916
ISHARES SILVER TR ISHARES 46428Q109 685,058 12,812 SH SOLE 0 0 12,812
ISHARES TR CORE S&P500 ETF 464287200 92,921,993 124,080 SH SOLE 0 0 124,080
ISHARES TR GLOBAL 100 ETF 464287572 18,165,478 132,983 SH SOLE 0 0 132,983
ISHARES TR MSCI USA QLT FCT 46432F339 335,508 1,529 SH SOLE 0 0 1,529
ISHARES TR RUS 1000 GRW ETF 464287614 61,091,267 491,997 SH SOLE 0 0 491,997
ISHARES TR S&P 500 GRWT ETF 464287309 818,579 5,952 SH SOLE 0 0 5,952
ISHARES TR US AER DEF ETF 464288760 7,459,860 30,772 SH SOLE 0 0 30,772
ISHARES TR RUS TP200 GR ETF 464289438 13,961,385 48,040 SH SOLE 0 0 48,040
ISHARES TR CORE DIV GRWTH 46434V621 1,394,460 18,399 SH SOLE 0 0 18,399
ISHARES TR INTL SEL DIV ETF 464288448 2,233,822 53,918 SH SOLE 0 0 53,918
ISHARES TR COPPER & METALS 46436E189 275,226 5,591 SH SOLE 0 0 5,591
ISHARES TR RUSSELL 2000 ETF 464287655 721,014 2,400 SH SOLE 0 0 2,400
ISHARES TR RUS 1000 VAL ETF 464287598 248,091 1,023 SH SOLE 0 0 1,023
ISHARES TR ISHARES SEMICDTR 464287523 224,266 350 SH SOLE 0 0 350
J P MORGAN EXCHANGE TRADED F FLEXI DEBT ETF 46654Q559 1,318,766 26,166 SH SOLE 0 0 26,166
J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118 204,017 2,615 SH SOLE 0 0 2,615
JOHNSON & JOHNSON COM 478160104 225,332 887 SH SOLE 0 0 887
JPMORGAN CHASE & CO COM 46625H100 1,207,939 3,690 SH SOLE 0 0 3,690
KEARNY FINL CORP MD COM 48716P108 130,586 13,804 SH SOLE 0 0 13,804
M & T BK CORP COM 55261F104 1,322,622 5,557 SH SOLE 0 0 5,557
MERCK & CO INC COM 58933Y105 255,686 1,990 SH SOLE 0 0 1,990
META PLATFORMS INC CL A 30303M102 865,920 1,537 SH SOLE 0 0 1,537
MICRON TECHNOLOGY INC COM 595112103 1,464,864 1,269 SH SOLE 0 0 1,269
MICROSOFT CORP COM 594918104 5,822,789 15,610 SH SOLE 0 0 15,610
MONDELEZ INTL INC CL A 609207105 382,830 6,619 SH SOLE 0 0 6,619
MOTOROLA SOLUTIONS INC COM NEW 620076307 354,242 853 SH SOLE 0 0 853
NETFLIX INC. COM 64110L106 940,552 13,173 SH SOLE 0 0 13,173
NVIDIA CORPORATION COM 67066G104 7,332,518 36,646 SH SOLE 0 0 36,646
PALO ALTO NETWORKS INC COM 697435105 2,781,359 8,156 SH SOLE 0 0 8,156
PENSKE AUTOMOTIVE GRP INC COM 70959W103 1,468,373 8,205 SH SOLE 0 0 8,205
PHILIP MORRIS INTL INC COM 718172109 3,058,882 16,908 SH SOLE 0 0 16,908
PHILLIPS 66 COM 718546104 209,453 1,239 SH SOLE 0 0 1,239
PIMCO ETF TR MULTISECTOR BD 72201R585 2,447,339 92,283 SH SOLE 0 0 92,283
PROCTER & GAMBLE CO COM 742718109 314,873 2,147 SH SOLE 0 0 2,147
PROVIDENT FINL SVCS INC COM 74386T105 236,400 10,000 SH SOLE 0 0 10,000
QUALCOMM INC COM 747525103 351,304 1,901 SH SOLE 0 0 1,901
RBB FUND TRUST FIRS EAGL OV ETF 75526L878 1,563,379 29,277 SH SOLE 0 0 29,277
RTX CORPORATION COM 75513E101 214,498 1,131 SH SOLE 0 0 1,131
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 339,122 11,523 SH SOLE 0 0 11,523
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1,220,592 22,768 SH SOLE 0 0 22,768
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 205,865 4,540 SH SOLE 0 0 4,540
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 241,531 1,268 SH SOLE 0 0 1,268
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 228,574 1,234 SH SOLE 0 0 1,234
SIMPLIFY EXCHANGE TRADED FUN COMM ST NO K ETF 82889N566 306,803 10,344 SH SOLE 0 0 10,344
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 782,539 4,580 SH SOLE 0 0 4,580
SPDR GOLD TR GOLD SHS 78463V107 3,045,766 8,268 SH SOLE 0 0 8,268
SPDR SERIES TRUST ST STR SP600 SML 78468R853 2,546,938 44,164 SH SOLE 0 0 44,164
SPDR SERIES TRUST ST STR P500ETF 78464A854 4,989,454 56,776 SH SOLE 0 0 56,776
SPDR SERIES TRUST ST STR P500VAL 78464A508 560,666 9,223 SH SOLE 0 0 9,223
SPDR SERIES TRUST ST STR SP REGBNK 78464A698 272,454 3,640 SH SOLE 0 0 3,640
SPINNAKER ETF SERIES SELE STO EUR ETF 84858T772 1,348,216 31,963 SH SOLE 0 0 31,963
SPOTIFY TECHNOLOGY S A SHS L8681T102 239,207 521 SH SOLE 0 0 521
SPROTT FDS TR ACTI GOL SIL ETF 85208P865 214,133 5,484 SH SOLE 0 0 5,484
SSGA ACTIVE TR SST BRIDGEWATER 78470P630 442,797 15,128 SH SOLE 0 0 15,128
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 530,226 1,015 SH SOLE 0 0 1,015
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 790,083 1,058 SH SOLE 0 0 1,058
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 213,112 303 SH SOLE 0 0 303
T ROWE PRICE EXCHANGE-TRADED CAP APP PREM ETF 87283Q784 442,157 19,917 SH SOLE 0 0 19,917
T ROWE PRICE EXCHANGE-TRADED US EQUI RESH ETF 87283Q503 309,896 6,520 SH SOLE 0 0 6,520
T ROWE PRICE EXCHANGE-TRADED TECHNOLOGY ETF 87283Q792 639,832 14,346 SH SOLE 0 0 14,346
TESLA INC COM 88160R101 228,386 543 SH SOLE 0 0 543
THERMO FISHER SCIENTIFIC INC COM 883556102 280,260 559 SH SOLE 0 0 559
TJX COS INC NEW COM 872540109 932,937 6,158 SH SOLE 0 0 6,158
TORONTO DOMINION BK ONT COM NEW 891160509 204,002 1,680 SH SOLE 0 0 1,680
UNITEDHEALTH GROUP INC COM 91324P102 4,756,833 11,445 SH SOLE 0 0 11,445
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 7,128,868 10,869 SH SOLE 0 0 10,869
VANECK ETF TRUST REAL ASSETS ETF 92189F130 203,071 5,119 SH SOLE 0 0 5,119
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,184,313 5,403 SH SOLE 0 0 5,403
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 1,178,105 14,259 SH SOLE 0 0 14,259
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 563,989 5,849 SH SOLE 0 0 5,849
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,070,995 4,350 SH SOLE 0 0 4,350
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,397,566 6,403 SH SOLE 0 0 6,403
VANGUARD INDEX FDS TOTAL STK MKT 922908769 505,845 1,367 SH SOLE 0 0 1,367
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 544,778 9,237 SH SOLE 0 0 9,237
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 964,970 7,550 SH SOLE 0 0 7,550
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,640,996 6,935 SH SOLE 0 0 6,935
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 991,740 13,919 SH SOLE 0 0 13,919
VANGUARD WORLD FD ENERGY ETF 92204A306 353,406 2,354 SH SOLE 0 0 2,354
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2,094,163 7,004 SH SOLE 0 0 7,004
VANGUARD WORLD FD CONSUM STP ETF 92204A207 950,959 4,217 SH SOLE 0 0 4,217
VANGUARD WORLD FD INF TECH ETF 92204A702 424,126 3,549 SH SOLE 0 0 3,549
VANGUARD WORLD FD UTILITIES ETF 92204A876 1,311,012 6,698 SH SOLE 0 0 6,698
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 579,819 1,609 SH SOLE 0 0 1,609
VANGUARD WORLD FD FINANCIALS ETF 92204A405 385,517 2,929 SH SOLE 0 0 2,929
VERTIV HOLDINGS CO COM CL A 92537N108 839,059 2,506 SH SOLE 0 0 2,506
VISA INC COM CL A 92826C839 273,443 797 SH SOLE 0 0 797
WALMART INC COM 931142103 642,176 5,670 SH SOLE 0 0 5,670
WASTE MGMT INC DEL COM 94106L109 321,839 1,444 SH SOLE 0 0 1,444
WISDOMTREE TR EFFICIENT GLD PL 97717Y550 507,438 7,008 SH SOLE 0 0 7,008
WISDOMTREE TR US QTLY DIV GRT 97717X669 439,374 4,595 SH SOLE 0 0 4,595