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 670,475 2,563 SH SOLE 0 0 2,563
ADVANCED MICRO DEVICES INC COM 007903107 884,929 1,447 SH SOLE 0 0 1,447
AIR PRODUCTS AND CHEMICALS I COM 009158106 344,171 1,237 SH SOLE 0 0 1,237
ALPHABET INC CAP STK CL C 02079K107 6,507,058 19,097 SH SOLE 0 0 19,097
AMAZON COM INC COM 023135106 2,126,996 8,537 SH SOLE 0 0 8,537
AMGEN INC COM 031162100 2,025,157 4,805 SH SOLE 0 0 4,805
APPLE INC COM 037833100 8,658,233 25,999 SH SOLE 0 0 25,999
AUTOMATIC DATA PROCESSING IN COM 053015103 355,091 1,376 SH SOLE 0 0 1,376
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,631,916 9,302 SH SOLE 0 0 9,302
BROADCOM INC COM 11135F101 599,400 1,707 SH SOLE 0 0 1,707
CAPITAL ONE FINL CORP COM 14040H105 711,701 3,686 SH SOLE 0 0 3,686
CHUBB LIMITED COM H1467J104 466,409 1,434 SH SOLE 0 0 1,434
CISCO SYS INC COM 17275R102 3,246,117 30,160 SH SOLE 0 0 30,160
COSTCO WHOLESALE CORPORATION COM 22160K105 1,994,703 2,191 SH SOLE 0 0 2,191
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 347,226 6,216 SH SOLE 0 0 6,216
ETF SER SOLUTIONS BAHL GA GROW ETF 26922B527 338,169 9,618 SH SOLE 0 0 9,618
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 269,603 1,657 SH SOLE 0 0 1,657
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 1,351,630 12,771 SH SOLE 0 0 12,771
FIDELITY COVINGTON TRUST ENHA HIGH YI ETF 316092618 5,696,501 119,926 SH SOLE 0 0 119,926
FIDELITY COVINGTON TRUST QLTY FCTOR ETF 316092790 872,876 10,485 SH SOLE 0 0 10,485
FIDELITY MERRIMACK STR TR LOW DURTIN ETF 316188408 2,703,694 54,343 SH SOLE 0 0 54,343
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,772,548 225,694 SH SOLE 0 0 225,694
FIRST TR EXCHANGE TRADED FD SMID RISNG ETF 33741X102 268,031 6,605 SH SOLE 0 0 6,605
GENERAL DYNAMICS CORP COM 369550108 542,542 1,635 SH SOLE 0 0 1,635
HEWLETT PACKARD ENTERPRISE C COM 42824C109 290,633 4,549 SH SOLE 0 0 4,549
HOME DEPOT INC COM 437076102 2,730,540 9,598 SH SOLE 0 0 9,598
ILLINOIS TOOL WKS INC COM 452308109 344,271 1,338 SH SOLE 0 0 1,338
INTEL CORP COM 458140100 336,281 2,797 SH SOLE 0 0 2,797
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649 1,652,367 5,424 SH SOLE 0 0 5,424
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 495,622 21,714 SH SOLE 0 0 21,714
INVESCO QQQ TR UNIT SER 1 46090E103 3,469,350 4,690 SH SOLE 0 0 4,690
ISHARES TR 0-5YR HI YL CP 46434V407 5,001,779 121,255 SH SOLE 0 0 121,255
ISHARES TR CORE DIV GRWTH 46434V621 3,162,088 41,943 SH SOLE 0 0 41,943
ISHARES TR CORE S&P SCP ETF 464287804 2,749,549 20,211 SH SOLE 0 0 20,211
ISHARES TR CORE S&P500 ETF 464287200 3,411,350 4,454 SH SOLE 0 0 4,454
ISHARES TR IBONDS 27 TRM TS 46436E841 8,927,130 399,961 SH SOLE 0 0 399,961
ISHARES TR RUS 1000 GRW ETF 464287614 488,860 3,903 SH SOLE 0 0 3,903
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 10,905,483 216,508 SH SOLE 0 0 216,508
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 1,154,453 15,643 SH SOLE 0 0 15,643
JOHNSON & JOHNSON COM 478160104 1,661,740 6,277 SH SOLE 0 0 6,277
JPMORGAN CHASE & CO COM 46625H100 5,792,528 17,509 SH SOLE 0 0 17,509
KROGER CO COM 501044101 522,949 8,921 SH SOLE 0 0 8,921
LOCKHEED MARTIN CORP COM 539830109 2,989,129 5,870 SH SOLE 0 0 5,870
LOWES COS INC COM 548661107 364,427 1,977 SH SOLE 0 0 1,977
MASTERCARD INCORPORATED CL A 57636Q104 313,869 569 SH SOLE 0 0 569
MCDONALDS CORP COM 580135101 1,930,207 8,358 SH SOLE 0 0 8,358
MEDTRONIC PLC SHS G5960L103 257,880 2,989 SH SOLE 0 0 2,989
MERCK & CO INC COM 58933Y105 3,019,319 20,778 SH SOLE 0 0 20,778
META PLATFORMS INC CL A 30303M102 2,530,863 3,490 SH SOLE 0 0 3,490
MICROSOFT CORP COM 594918104 9,116,516 17,774 SH SOLE 0 0 17,774
MURPHY USA INC COM 626755102 968,242 1,921 SH SOLE 0 0 1,921
NEXTERA ENERGY INC COM 65339F101 2,747,379 36,274 SH SOLE 0 0 36,274
NORTHROP GRUMMAN CORP COM 666807102 1,407,410 2,911 SH SOLE 0 0 2,911
NOVO-NORDISK A S ADR 670100205 463,829 12,235 SH SOLE 0 0 12,235
NVIDIA CORPORATION COM 67066G104 3,952,263 17,306 SH SOLE 0 0 17,306
ORACLE CORP COM 68389X105 2,779,123 20,241 SH SOLE 0 0 20,241
PEPSICO INC COM 713448108 1,609,342 12,700 SH SOLE 0 0 12,700
PHILLIPS 66 COM 718546104 2,453,979 9,612 SH SOLE 0 0 9,612
PNC FINL SVCS GROUP INC COM 693475105 3,127,205 14,070 SH SOLE 0 0 14,070
PROCTER & GAMBLE CO COM 742718109 2,559,508 17,618 SH SOLE 0 0 17,618
PUBLIC STORAGE COM 74460D109 813,725 2,877 SH SOLE 0 0 2,877
REPUBLIC SVCS INC COM 760759100 1,908,978 9,096 SH SOLE 0 0 9,096
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 244,816 7,526 SH SOLE 0 0 7,526
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 633,793 18,630 SH SOLE 0 0 18,630
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 1,164,119 6,912 SH SOLE 0 0 6,912
STARBUCKS CORP COM 855244109 525,893 5,597 SH SOLE 0 0 5,597
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 261,903 515 SH SOLE 0 0 515
T ROWE PRICE EXCHANGE-TRADED FLOATING RATE 87283Q883 10,347,905 204,909 SH SOLE 0 0 204,909
UNION PAC CORP COM 907818108 443,928 1,631 SH SOLE 0 0 1,631
UNITED PARCEL SVCS INC CL B 911312106 1,745,417 18,680 SH SOLE 0 0 18,680
UNITEDHEALTH GROUP INC COM 91324P102 3,329,092 9,069 SH SOLE 0 0 9,069
VALLEY NATL BANCORP COM 919794107 153,333 12,150 SH SOLE 0 0 12,150
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,737,983 4,644 SH SOLE 0 0 4,644
VANGUARD WORLD FD MRNGSTR CAP ETF 921910873 1,715,197 6,076 SH SOLE 0 0 6,076
VERIZON COMMUNICATIONS INC COM 92343V104 990,047 21,584 SH SOLE 0 0 21,584
VISA INC COM CL A 92826C839 3,282,022 9,134 SH SOLE 0 0 9,134
WALMART INC COM 931142103 4,853,352 46,703 SH SOLE 0 0 46,703