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
3M CO COM 88579Y101 358,969 2,202 SH SOLE 2,202 0 0
ABBOTT LABORATORIES COM 002824100 485,198 4,849 SH SOLE 4,849 0 0
ABBVIE INC COM 00287Y109 1,301,870 4,904 SH SOLE 4,904 0 0
ABRDN GLOBAL INFRA INCOME FU COM SHS BEN INT 00326W106 695,731 36,457 SH SOLE 36,457 0 0
ABRDN TOTAL DYNAMIC DIVIDEND COM SH BEN INT 00326L100 188,935 18,588 SH SOLE 18,588 0 0
ADVANCED MICRO DEVICES INC COM 007903107 5,166,391 8,171 SH SOLE 8,171 0 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 208,674 747 SH SOLE 747 0 0
ALPHABET INC CAP STK CL A 02079K305 2,897,241 8,380 SH SOLE 8,380 0 0
ALPHABET INC CAP STK CL C 02079K107 2,831,693 8,259 SH SOLE 8,259 0 0
ALTRIA GROUP INC COM 02209S103 527,208 7,781 SH SOLE 7,781 0 0
AMAZON COM INC COM 023135106 3,352,128 13,333 SH SOLE 13,333 0 0
AMGEN INC COM 031162100 477,044 1,184 SH SOLE 1,184 0 0
APPLE INC COM 037833100 6,599,653 19,823 SH SOLE 19,823 0 0
APPLIED MATLS INC COM 038222105 3,326,884 6,136 SH SOLE 6,136 0 0
ARES CAPITAL CORP COM 04010L103 300,377 15,961 SH SOLE 15,961 0 0
AT&T INC COM 00206R102 340,158 14,025 SH SOLE 14,025 0 0
ATI INC COM 01741R102 384,840 2,000 SH SOLE 2,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 201,210 775 SH SOLE 775 0 0
AUTOZONE INC COM 053332102 210,517 75 SH SOLE 75 0 0
B2GOLD CORP COM 11777Q209 95,045 18,427 SH SOLE 18,427 0 0
BANK OF AMER CORP COM 060505104 450,966 8,359 SH SOLE 8,359 0 0
BARRICK MNG CORP COM SHS 06849F108 294,764 7,347 SH SOLE 7,347 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 393,194 780 SH SOLE 780 0 0
BHP BILLITON LIMITED SPONSORED ADS 088606108 359,282 4,140 SH SOLE 4,140 0 0
BLACKROCK ENHANCED INTL DIV COM BENE INTER 092524107 144,704 25,703 SH SOLE 25,703 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN 09257P105 436,544 20,032 SH SOLE 20,032 0 0
BLACKROCK TECH AND PRIVATE E SHS BEN INT 09260Q108 140,863 15,174 SH SOLE 15,174 0 0
BP PLC SPONSORED ADR 055622104 219,133 4,910 SH SOLE 4,910 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 236,317 4,013 SH SOLE 4,013 0 0
BROADCOM INC COM 11135F101 481,129 1,329 SH SOLE 1,329 0 0
CATERPILLAR INC COM 149123101 417,610 492 SH SOLE 492 0 0
CHEVRON CORPORATION COM 166764100 963,653 4,666 SH SOLE 4,666 0 0
CIENA CORP COM NEW 171779309 391,340 1,000 SH SOLE 1,000 0 0
CISCO SYS INC COM 17275R102 526,157 4,667 SH SOLE 4,667 0 0
CITIGROUP INC COM NEW 172967424 325,682 2,534 SH SOLE 2,534 0 0
COCA COLA CO COM 191216100 1,129,454 13,060 SH SOLE 13,060 0 0
CONOCOPHILLIPS COM 20825C104 577,457 4,502 SH SOLE 4,502 0 0
CONSTELLATION ENERGY CORP COM 21037T109 449,276 1,692 SH SOLE 1,692 0 0
CORNING INC COM 219350105 805,106 5,005 SH SOLE 5,005 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 637,621 691 SH SOLE 691 0 0
CSX CORP COM 126408103 553,675 11,674 SH SOLE 11,674 0 0
DELL TECHNOLOGIES INC CL C 24703L202 369,758 667 SH SOLE 667 0 0
DISNEY WALT CO COM 254687106 911,239 8,798 SH SOLE 8,798 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,524,033 13,382 SH SOLE 13,382 0 0
EATON VANCE RISK-MANAGED DIV COM 27829G106 179,804 22,102 SH SOLE 22,102 0 0
EATON VANCE TAX-MANAGED GLOB COM 27829F108 229,184 24,394 SH SOLE 24,394 0 0
EBAY INC. COM 278642103 341,720 3,193 SH SOLE 3,193 0 0
ELI LILLY & CO COM 532457108 1,491,751 1,305 SH SOLE 1,305 0 0
EMERSON ELEC CO COM 291011104 297,419 1,832 SH SOLE 1,832 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 268,742 12,970 SH SOLE 12,970 0 0
ENTERGY CORP NEW COM 29364G103 284,409 2,819 SH SOLE 2,819 0 0
EXELON CORP COM 30161N101 213,206 5,225 SH SOLE 5,225 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,182,244 7,209 SH SOLE 7,209 0 0
FRANKLIN MUN OPPORTUNITIES T SH BEN INT 746922103 122,030 13,428 SH SOLE 13,428 0 0
FREEPORT MCMORAN INC CL B 35671D857 597,395 8,260 SH SOLE 8,260 0 0
GALLAGHER ARTHUR J & CO COM 363576109 252,906 1,113 SH SOLE 1,113 0 0
GE AEROSPACE COM NEW 369604301 596,331 1,941 SH SOLE 1,941 0 0
GE VERNOVA INC COM 36828A101 464,831 470 SH SOLE 470 0 0
GENERAL MTRS CO COM 37045V100 232,605 2,919 SH SOLE 2,919 0 0
GILEAD SCIENCES INC COM 375558103 312,427 2,160 SH SOLE 2,160 0 0
GLOBAL X FDS ARTIFICIAL ETF 37954Y632 598,308 8,950 SH SOLE 8,950 0 0
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,231,750 22,344 SH SOLE 22,344 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 213,477 1,450 SH SOLE 1,450 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 301,820 338 SH SOLE 338 0 0
HERTZ GLOBAL HLDGS INC *W EXP 06/30/205 42806J148 13,580 15,089 SH SOLE 15,089 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 626,056 9,127 SH SOLE 9,127 0 0
HOME DEPOT INC COM 437076102 2,414,436 8,586 SH SOLE 8,586 0 0
HONEYWELL AEROSPACE INC COM 43849R105 482,364 3,098 SH SOLE 3,098 0 0
HONEYWELL INTL INC COM 438516205 669,171 3,125 SH SOLE 3,125 0 0
INTEL CORP COM 458140100 943,258 8,076 SH SOLE 8,076 0 0
INTERACTIVE BROKERS GROUP IN COM CL A 45841N107 1,771,850 19,925 SH SOLE 19,925 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 307,411 1,386 SH SOLE 1,386 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 215,825 534 SH SOLE 534 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 762,183 1,008 SH SOLE 1,008 0 0
INVESCO QUALITY MUN INCOME T COM 46133G107 117,526 13,247 SH SOLE 13,247 0 0
ISHARES INC CORE MSCI EMKT 46434G103 247,719 2,964 SH SOLE 2,964 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 2,949,653 29,365 SH SOLE 29,365 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,692,350 16,932 SH SOLE 16,932 0 0
ISHARES TR CORE S&P MCP ETF 464287507 476,711 6,474 SH SOLE 6,474 0 0
ISHARES TR CORE S&P SCP ETF 464287804 288,099 2,073 SH SOLE 2,073 0 0
ISHARES TR CORE S&P TTL STK 464287150 915,170 5,413 SH SOLE 5,413 0 0
ISHARES TR CORE S&P500 ETF 464287200 11,129,663 14,305 SH SOLE 14,305 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 240,857 5,484 SH SOLE 5,484 0 0
ISHARES TR CORE US AGGBD ET 464287226 1,027,850 10,919 SH SOLE 10,919 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 432,773 8,466 SH SOLE 8,466 0 0
ISHARES TR MBS ETF 464288588 615,213 6,905 SH SOLE 6,905 0 0
ISHARES TR MSCI EAFE ETF 464287465 335,767 3,228 SH SOLE 3,228 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 294,015 2,972 SH SOLE 2,972 0 0
ISHARES TR MSCI USA MMENTM 46432F396 460,866 1,426 SH SOLE 1,426 0 0
ISHARES TR MSCI USA VALUE 46432F388 313,823 1,571 SH SOLE 1,571 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 422,440 1,494 SH SOLE 1,494 0 0
ISHARES TR SELECT DIVID ETF 464287168 251,084 1,640 SH SOLE 1,640 0 0
ISHARES TR TIPS BD ETF 464287176 365,074 3,511 SH SOLE 3,511 0 0
JABIL INC COM 466313103 301,993 1,002 SH SOLE 1,002 0 0
JAPAN SMALLER CAPITALIZATION COM 47109U104 190,050 15,000 SH SOLE 15,000 0 0
JOHNSON & JOHNSON COM 478160104 1,071,703 4,235 SH SOLE 4,235 0 0
JPMORGAN CHASE & CO COM 46625H100 981,113 2,952 SH SOLE 2,952 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 251,616 1,063 SH SOLE 1,063 0 0
LENNAR CORP CL B 526057302 299,022 3,800 SH SOLE 3,800 0 0
LUMENTUM HLDGS INC COM 55024U109 579,212 532 SH SOLE 532 0 0
M & T BK CORP COM 55261F104 262,695 1,203 SH SOLE 1,203 0 0
MARATHON PETE CORP COM 56585A102 455,727 1,055 SH SOLE 1,055 0 0
MASTERCARD INCORPORATED CL A 57636Q104 208,671 372 SH SOLE 372 0 0
MCDONALDS CORP COM 580135101 773,662 3,320 SH SOLE 3,320 0 0
MCKESSON CORP COM 58155Q103 336,517 368 SH SOLE 368 0 0
MERCK & CO INC COM 58933Y105 729,393 5,204 SH SOLE 5,204 0 0
META PLATFORMS INC CL A 30303M102 839,517 1,134 SH SOLE 1,134 0 0
MICRON TECHNOLOGY INC COM 595112103 5,240,759 4,902 SH SOLE 4,902 0 0
MICROSOFT CORP COM 594918104 6,068,767 11,570 SH SOLE 11,570 0 0
MITSUBISHI UFJ FINANCIAL GRO SPONSORED ADS 606822104 1,005,489 44,040 SH SOLE 44,040 0 0
NEWMONT CORP COM 651639106 720,704 6,225 SH SOLE 6,225 0 0
NEXTERA ENERGY INC COM 65339F101 892,881 11,703 SH SOLE 11,703 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 145,950 15,000 SH SOLE 15,000 0 0
NORFOLK SOUTHN CORP COM 655844108 577,997 1,827 SH SOLE 1,827 0 0
NUCOR CORP COM 670346105 287,780 1,157 SH SOLE 1,157 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 290,942 29,514 SH SOLE 29,514 0 0
NVIDIA CORPORATION COM 67066G104 6,642,964 27,941 SH SOLE 27,941 0 0
ORACLE CORP COM 68389X105 215,923 1,516 SH SOLE 1,516 0 0
OUTDOOR HOLDING CO COM 00175J107 23,892 10,499 SH SOLE 10,499 0 0
PACER FDS TR US CASH COWS 100 69374H881 223,432 3,302 SH SOLE 3,302 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 596,261 3,152 SH SOLE 3,152 0 0
PAYCHEX INC COM 704326107 252,011 2,528 SH SOLE 2,528 0 0
PAYPAL HLDGS INC COM 70450Y103 273,161 5,053 SH SOLE 5,053 0 0
PEPSICO INC COM 713448108 506,954 4,034 SH SOLE 4,034 0 0
PFIZER INC COM 717081103 316,165 11,471 SH SOLE 11,471 0 0
PHILIP MORRIS INTL INC COM 718172109 366,948 1,936 SH SOLE 1,936 0 0
PHILLIPS 66 COM 718546104 647,420 2,402 SH SOLE 2,402 0 0
PPG INDS INC COM 693506107 311,056 2,956 SH SOLE 2,956 0 0
PPL CORP COM 69351T106 240,861 7,310 SH SOLE 7,310 0 0
PROCTER & GAMBLE CO COM 742718109 1,192,785 8,176 SH SOLE 8,176 0 0
QUALCOMM INC COM 747525103 212,836 1,175 SH SOLE 1,175 0 0
REPUBLIC SVCS INC COM 760759100 320,907 1,509 SH SOLE 1,509 0 0
ROSS STORES INC COM 778296103 228,540 1,000 SH SOLE 1,000 0 0
RTX CORPORATION COM 75513E101 1,362,019 7,380 SH SOLE 7,380 0 0
SANDISK CORP COM 80004C200 629,516 366 SH SOLE 366 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 322,374 8,652 SH SOLE 8,652 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,554,313 56,336 SH SOLE 56,336 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 1,687,168 71,369 SH SOLE 71,369 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,750,073 241,307 SH SOLE 241,307 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,240,282 209,368 SH SOLE 209,368 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 979,036 29,922 SH SOLE 29,922 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 275,584 7,505 SH SOLE 7,505 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,739,765 89,724 SH SOLE 89,724 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 394,491 2,357 SH SOLE 2,357 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 694,897 11,005 SH SOLE 11,005 0 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1,674,706 31,100 SH SOLE 31,100 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 1,895,327 11,143 SH SOLE 11,143 0 0
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 310,302 2,781 SH SOLE 2,781 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 6,423,229 31,980 SH SOLE 31,980 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 347,012 8,683 SH SOLE 8,683 0 0
SHELL PLC SPON ADS 780259305 366,969 3,804 SH SOLE 3,804 0 0
SONY GROUP CORP SPONSORED ADR 835699307 2,179,728 91,543 SH SOLE 91,543 0 0
SOUTHERN CO COM 842587107 649,956 7,757 SH SOLE 7,757 0 0
SPDR GOLD TR GOLD SHS 78463V107 902,665 2,378 SH SOLE 2,378 0 0
SPDR SERIES TRUST ST SHO TREAS ETF 78468R101 1,189,688 41,568 SH SOLE 41,568 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 379,282 4,159 SH SOLE 4,159 0 0
SPDR SERIES TRUST ST STR PR SP1500 78464A805 594,939 6,358 SH SOLE 6,358 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 512,110 1,000 SH SOLE 1,000 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 9,607,942 12,412 SH SOLE 12,412 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 226,020 468 SH SOLE 468 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 352,967 3,014 SH SOLE 3,014 0 0
TOYOTA MOTOR CORP ADS 892331307 275,917 1,520 SH SOLE 1,520 0 0
TRI CONTL CORP COM 895436103 500,844 14,641 SH SOLE 14,641 0 0
TRUIST FINL CORP COM 89832Q109 469,759 10,139 SH SOLE 10,139 0 0
TWILIO INC CL A 90138F102 247,851 836 SH SOLE 836 0 0
UNION PAC CORP COM 907818108 472,291 1,704 SH SOLE 1,704 0 0
UNITED PARCEL SVCS INC CL B 911312106 254,418 2,732 SH SOLE 2,732 0 0
UNITEDHEALTH GROUP INC COM 91324P102 432,007 1,144 SH SOLE 1,144 0 0
VALERO ENERGY CORP COM 91913Y100 314,625 752 SH SOLE 752 0 0
VALLEY NATL BANCORP COM 919794107 239,215 18,747 SH SOLE 18,747 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 539,534 6,166 SH SOLE 6,166 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,954,008 26,918 SH SOLE 26,918 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 9,572,439 125,544 SH SOLE 125,544 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 524,130 7,500 SH SOLE 7,500 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 271,859 5,501 SH SOLE 5,501 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,990,638 8,396 SH SOLE 8,396 0 0
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 316,887 886 SH SOLE 886 0 0
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 214,495 1,075 SH SOLE 1,075 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 7,899,734 20,775 SH SOLE 20,775 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 472,610 664 SH SOLE 664 0 0
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,663,273 22,016 SH SOLE 22,016 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 398,611 4,753 SH SOLE 4,753 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,821,040 11,384 SH SOLE 11,384 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,143,303 23,627 SH SOLE 23,627 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 240,995 5,088 SH SOLE 5,088 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 341,964 6,051 SH SOLE 6,051 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 216,396 4,900 SH SOLE 4,900 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,917,280 50,771 SH SOLE 50,771 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,128,384 9,013 SH SOLE 9,013 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,190,370 25,520 SH SOLE 25,520 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 201,784 1,285 SH SOLE 1,285 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 253,295 5,522 SH SOLE 5,522 0 0
VIRTU FINL INC CL A 928254101 232,080 3,711 SH SOLE 3,711 0 0
WALMART INC COM 931142103 5,353,683 50,990 SH SOLE 50,990 0 0
WASTE MGMT INC DEL COM 94106L109 452,556 2,192 SH SOLE 2,192 0 0
WELLS FARGO & CO COM 949746101 382,315 4,713 SH SOLE 4,713 0 0
WELLTOWER INC COM 95040Q104 249,686 1,113 SH SOLE 1,113 0 0
WESTERN DIGITAL CORP COM 958102105 464,738 1,118 SH SOLE 1,118 0 0