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
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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 652,518 2,494 SH SOLE 0 0 2,494
ALPHABET INC CAP STK CL A 02079K305 257,467 748 SH SOLE 0 0 748
ALPHABET INC CAP STK CL C 02079K107 1,185,716 3,480 SH SOLE 0 0 3,480
AMAZON COM INC COM 023135106 417,326 1,675 SH SOLE 0 0 1,675
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1,127,018 11,987 SH SOLE 0 0 11,987
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 352,180 3,220 SH SOLE 0 0 3,220
AMERICAN TOWER CORP COM 03027X100 343,585 2,099 SH SOLE 0 0 2,099
APPLE INC COM 037833100 4,549,688 13,662 SH SOLE 0 0 13,662
BANK OF NY MELLON CORP COM 064058100 280,004 1,936 SH SOLE 0 0 1,936
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 1,774,344 37,600 SH SOLE 0 0 37,600
BLACKROCK ETF TRUST ISHA IN CTRY ETF 09290C764 849,136 23,360 SH SOLE 0 0 23,360
BLACKROCK ETF TRUST ISHA US THEM ETF 09290C806 1,000,985 22,760 SH SOLE 0 0 22,760
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 3,871,080 55,892 SH SOLE 0 0 55,892
BLACKROCK ETF TRUST ISHA SYST AL ETF 09290C665 236,879 7,933 SH SOLE 0 0 7,933
BLACKROCK ETF TRUST ISHA LA CORE ETF 09290C855 519,319 10,607 SH SOLE 0 0 10,607
BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 229,520 4,519 SH SOLE 0 0 4,519
BLACKSTONE INC COM 09260D107 555,966 4,960 SH SOLE 0 0 4,960
BONDBLOXX ETF TRUST BLOOMBERG TEN YR 09789C812 1,419,433 33,493 SH SOLE 0 0 33,493
CHEVRON CORPORATION COM 166764100 468,458 2,294 SH SOLE 0 0 2,294
CISCO SYS INC COM 17275R102 246,473 2,290 SH SOLE 0 0 2,290
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 5,704,975 102,130 SH SOLE 0 0 102,130
DIMENSIONAL ETF TRUST SHOR DUR FIX ETF 25434V864 972,164 20,919 SH SOLE 0 0 20,919
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 1,391,636 31,308 SH SOLE 0 0 31,308
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 9,836,846 148,056 SH SOLE 0 0 148,056
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 305,089 7,681 SH SOLE 0 0 7,681
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 317,561 7,665 SH SOLE 0 0 7,665
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 241,519 5,247 SH SOLE 0 0 5,247
EATON CORP PLC SHS G29183103 378,575 881 SH SOLE 0 0 881
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 814,363 2,714 SH SOLE 0 0 2,714
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 358,050 21,000 SH SOLE 0 0 21,000
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102 205,863 5,073 SH SOLE 0 0 5,073
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705 462,144 9,600 SH SOLE 0 0 9,600
FIRST TR EXCHANGE-TRADED FD SHS 33734H106 289,134 6,164 SH SOLE 0 0 6,164
GLOBAL X FDS DEFENSE TECH ETF 37960A529 595,152 9,906 SH SOLE 0 0 9,906
GLOBAL X FDS CYBRSCURTY ETF 37954Y384 528,622 11,447 SH SOLE 0 0 11,447
HARBOR ETF TRUST COMM ALL WEA ETF 41151J505 434,403 12,320 SH SOLE 0 0 12,320
INTERNATIONAL BUSINESS MACHS COM 459200101 422,544 1,921 SH SOLE 0 0 1,921
INVESCO EXCH TRADED FD TR II S&P 500 MOMNTM 46138E339 1,253,263 8,268 SH SOLE 0 0 8,268
INVESCO EXCH TRADED FD TR II S&P INTL MOMNT 46138E222 206,315 3,380 SH SOLE 0 0 3,380
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297 363,606 13,005 SH SOLE 0 0 13,005
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,578,824 12,397 SH SOLE 0 0 12,397
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,924,651 35,360 SH SOLE 0 0 35,360
INVESCO EXCHANGE TRADED FD T S&P MDCP QUALITY 46137V472 594,803 5,327 SH SOLE 0 0 5,327
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 1,520,343 23,901 SH SOLE 0 0 23,901
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 1,096,005 20,944 SH SOLE 0 0 20,944
INVESCO QQQ TR UNIT SER 1 46090E103 618,123 836 SH SOLE 0 0 836
ISHARES INC CORE MSCI EMKT 46434G103 5,928,539 73,048 SH SOLE 0 0 73,048
ISHARES TR ESG AWR MSCI USA 46435G425 813,650 4,878 SH SOLE 0 0 4,878
ISHARES TR CORE S&P SCP ETF 464287804 1,618,109 11,894 SH SOLE 0 0 11,894
ISHARES TR NATIONAL MUN ETF 464288414 408,168 4,037 SH SOLE 0 0 4,037
ISHARES TR MSCI USA MIN ETF 46429B697 376,584 3,865 SH SOLE 0 0 3,865
ISHARES TR CORE UNIVRSL USD 46434V613 1,631,154 36,996 SH SOLE 0 0 36,996
ISHARES TR MSCI INDIA ETF 46429B598 534,066 11,441 SH SOLE 0 0 11,441
ISHARES TR MBS ETF 464288588 543,030 6,059 SH SOLE 0 0 6,059
ISHARES TR CORE US AGGBD ET 464287226 305,506 3,232 SH SOLE 0 0 3,232
ISHARES TR CORE DIV GRWTH 46434V621 2,398,605 31,816 SH SOLE 0 0 31,816
ISHARES TR EAFE GRWTH ETF 464288885 763,557 6,372 SH SOLE 0 0 6,372
ISHARES TR S&P 500 GRWT ETF 464287309 3,951,948 27,780 SH SOLE 0 0 27,780
ISHARES TR 3 7 YR TREAS BD 464288661 1,231,293 10,854 SH SOLE 0 0 10,854
ISHARES TR CORE INTL AGGR 46435G672 342,924 6,970 SH SOLE 0 0 6,970
ISHARES TR FLTG RATE NT ETF 46429B655 359,903 7,050 SH SOLE 0 0 7,050
ISHARES TR U.S. FIN SVC ETF 464287770 1,557,954 17,326 SH SOLE 0 0 17,326
ISHARES TR MSCI USA MMENTM 46432F396 837,074 2,638 SH SOLE 0 0 2,638
ISHARES TR U.S. TECH ETF 464287721 690,594 2,607 SH SOLE 0 0 2,607
ISHARES TR MSCI INTL QUALTY 46434V456 2,650,203 53,572 SH SOLE 0 0 53,572
ISHARES TR RUS 1000 GRW ETF 464287614 9,652,356 77,059 SH SOLE 0 0 77,059
ISHARES TR CORE MSCI INTL 46435G326 7,989,598 89,289 SH SOLE 0 0 89,289
ISHARES TR CORE S&P TTL STK 464287150 15,506,551 93,256 SH SOLE 0 0 93,256
ISHARES TR MSCI USA QLT FCT 46432F339 5,076,755 22,844 SH SOLE 0 0 22,844
ISHARES TR CORE S&P MCP ETF 464287507 886,481 12,321 SH SOLE 0 0 12,321
ISHARES TR RUSSELL 2000 ETF 464287655 427,673 1,539 SH SOLE 0 0 1,539
ISHARES TR CORE S&P500 ETF 464287200 1,052,079 1,374 SH SOLE 0 0 1,374
ISHARES TR S&P 500 VAL ETF 464287408 2,197,652 9,627 SH SOLE 0 0 9,627
ISHARES TR MSCI EAFE ETF 464287465 480,439 4,625 SH SOLE 0 0 4,625
ISHARES TR MSCI ACWI EX US 464288240 805,958 10,658 SH SOLE 0 0 10,658
ISHARES TR S&P 100 ETF 464287101 217,786 570 SH SOLE 0 0 570
ISHARES TR EAFE VALUE ETF 464288877 2,742,015 34,648 SH SOLE 0 0 34,648
ISHARES TR MSCI USA VALUE 46432F388 1,878,575 9,488 SH SOLE 0 0 9,488
ISHARES TR US TREAS BD ETF 46429B267 333,999 15,272 SH SOLE 0 0 15,272
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 4,262,867 94,963 SH SOLE 0 0 94,963
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 258,427 5,431 SH SOLE 0 0 5,431
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 905,704 16,110 SH SOLE 0 0 16,110
JOHNSON & JOHNSON COM 478160104 589,576 2,227 SH SOLE 0 0 2,227
JPMORGAN CHASE & CO COM 46625H100 449,222 1,358 SH SOLE 0 0 1,358
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400 383,049 10,938 SH SOLE 0 0 10,938
LOCKHEED MARTIN CORP COM 539830109 431,643 848 SH SOLE 0 0 848
MICROSOFT CORP COM 594918104 1,553,180 3,028 SH SOLE 0 0 3,028
NEXTERA ENERGY INC COM 65339F101 521,849 6,890 SH SOLE 0 0 6,890
NUVEEN MUN HIGH INCOME OPPOR COM 670682103 234,115 26,129 SH SOLE 0 0 26,129
NUVEEN NY DIVI ADV COM 67066X107 99,022 10,084 SH SOLE 0 0 10,084
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 434,326 32,340 SH SOLE 0 0 32,340
NVIDIA CORPORATION COM 67066G104 1,113,554 4,876 SH SOLE 0 0 4,876
PALANTIR TECHNOLOGIES INC CL A 69608A108 258,690 1,383 SH SOLE 0 0 1,383
PARKER-HANNIFIN CORP COM 701094104 247,744 259 SH SOLE 0 0 259
PROGRESSIVE CORP COM 743315103 497,544 2,400 SH SOLE 0 0 2,400
SBA COMMUNICATIONS CORP CL A 78410G104 536,242 3,349 SH SOLE 0 0 3,349
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,017,440 46,038 SH SOLE 0 0 46,038
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 403,040 14,672 SH SOLE 0 0 14,672
SCHWAB STRATEGIC TR HIGH YIEL BD ETF 808524631 767,020 30,389 SH SOLE 0 0 30,389
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,195,851 36,761 SH SOLE 0 0 36,761
SCHWAB STRATEGIC TR US TIPS ETF 808524870 886,267 35,267 SH SOLE 0 0 35,267
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,603,697 29,836 SH SOLE 0 0 29,836
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 1,423,991 8,455 SH SOLE 0 0 8,455
SOUTHERN CO COM 842587107 337,668 4,074 SH SOLE 0 0 4,074
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 416,524 8,296 SH SOLE 0 0 8,296
SPDR SERIES TRUST ST STR PR SP1500 78464A805 334,142 3,630 SH SOLE 0 0 3,630
SPDR SERIES TRUST ST STR P500ETF 78464A854 18,451,067 205,560 SH SOLE 0 0 205,560
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 842,667 1,657 SH SOLE 0 0 1,657
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,447,579 4,521 SH SOLE 0 0 4,521
T ROWE PRICE EXCHANGE-TRADED US EQUI RESH ETF 87283Q503 313,690 6,500 SH SOLE 0 0 6,500
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 787,073 18,620 SH SOLE 0 0 18,620
TAPESTRY INC COM 876030107 1,226,787 10,664 SH SOLE 0 0 10,664
TESLA INC COM 88160R101 691,525 1,949 SH SOLE 0 0 1,949
TIDAL TRUST I FUND GRAN US ETF 886364231 1,466,196 52,684 SH SOLE 0 0 52,684
VANGUARD BD INDEX FDS INTERMED TERM 921937819 305,779 4,197 SH SOLE 0 0 4,197
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,548,644 59,537 SH SOLE 0 0 59,537
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 451,854 645 SH SOLE 0 0 645
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 3,879,929 10,367 SH SOLE 0 0 10,367
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,711,210 21,821 SH SOLE 0 0 21,821
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 205,507 2,281 SH SOLE 0 0 2,281
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 322,563 1,493 SH SOLE 0 0 1,493
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 877,943 10,581 SH SOLE 0 0 10,581
VANGUARD MALVERN FDS CORE BD ETF 922020748 5,688,118 77,263 SH SOLE 0 0 77,263
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,016,396 61,284 SH SOLE 0 0 61,284
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 3,768,001 50,912 SH SOLE 0 0 50,912
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 771,317 16,286 SH SOLE 0 0 16,286
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 5,369,698 94,771 SH SOLE 0 0 94,771
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 883,056 3,785 SH SOLE 0 0 3,785
VANGUARD STAR FDS VG TL INTL STK F 921909768 257,854 3,035 SH SOLE 0 0 3,035
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 653,609 9,257 SH SOLE 0 0 9,257
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,007,868 10,674 SH SOLE 0 0 10,674
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,883,217 31,464 SH SOLE 0 0 31,464
VANGUARD WORLD FD MRNGSTR MEGA CAP 921910816 241,445 2,606 SH SOLE 0 0 2,606
WISDOMTREE TR EM EX ST-OWNED 97717X578 700,408 14,950 SH SOLE 0 0 14,950
WISDOMTREE TR YIELD ENHANCD US 97717X511 257,993 6,265 SH SOLE 0 0 6,265
WISDOMTREE TR US QTLY DIV GRT 97717X669 275,189 2,830 SH SOLE 0 0 2,830
WISDOMTREE TR US QUALITY GROW 97717Y477 211,260 3,076 SH SOLE 0 0 3,076
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,161,948 21,538 SH SOLE 0 0 21,538
WORLD GOLD TR SPDR GLD MINIS 98149E303 617,829 7,518 SH SOLE 0 0 7,518
ZACKS TRUST EARNGS CONSTANT 98888G105 270,977 7,302 SH SOLE 0 0 7,302