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 282,779 1,081 SH SOLE 0 0 1,081
ADVANCED MICRO DEVICES INC COM 007903107 687,853 1,124 SH SOLE 0 0 1,124
AFLAC INC COM 001055102 1,337,202 11,963 SH SOLE 0 0 11,963
ALPHABET INC CAP STK CL C 02079K107 5,923,682 17,385 SH SOLE 0 0 17,385
ALPHABET INC CAP STK CL A 02079K305 1,311,607 3,812 SH SOLE 0 0 3,812
AMAZON COM INC COM 023135106 3,431,795 13,774 SH SOLE 0 0 13,774
AMGEN INC COM 031162100 1,411,916 3,350 SH SOLE 0 0 3,350
ANALOG DEVICES INC COM 032654105 456,217 1,150 SH SOLE 0 0 1,150
APPLE INC COM 037833100 8,738,682 26,241 SH SOLE 0 0 26,241
ARISTA NETWORKS INC COM SHS 040413205 1,483,416 7,286 SH SOLE 0 0 7,286
ASML HLDG NV N Y REGISTRY SHS N07059210 2,191,139 1,209 SH SOLE 0 0 1,209
BANK OF AMER CORP 7.25%CNV PFD L 060505682 932,813 764 SH SOLE 0 0 764
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,603,000 3,219 SH SOLE 0 0 3,219
BLACKROCK FLOATING RATE INCO COM 09255X100 320,774 30,434 SH SOLE 0 0 30,434
BLACKROCK MUNIHOLDINGS FD IN COM 09253N104 287,865 28,057 SH SOLE 0 0 28,057
BLACKROCK MUNIYIELD QUALITY COM 09254E103 327,564 34,015 SH SOLE 0 0 34,015
BROADCOM INC COM 11135F101 2,143,122 6,102 SH SOLE 0 0 6,102
BRT APARTMENTS CORP COM 055645303 185,170 13,860 SH SOLE 0 0 13,860
CONSTELLATION ENERGY CORP COM 21037T109 847,769 3,337 SH SOLE 0 0 3,337
COSTCO WHOLESALE CORPORATION COM 22160K105 648,376 712 SH SOLE 0 0 712
DBX ETF TR XTRACK USD HIGH 233051432 303,596 8,620 SH SOLE 0 0 8,620
DBX ETF TR XTRACK MSCI EAFE 233051200 305,907 5,567 SH SOLE 0 0 5,567
DEERE & CO COM 244199105 2,952,848 4,397 SH SOLE 0 0 4,397
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 6,130,603 73,836 SH SOLE 0 0 73,836
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 4,233,295 76,969 SH SOLE 0 0 76,969
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,444,425 18,657 SH SOLE 0 0 18,657
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,603,994 24,142 SH SOLE 0 0 24,142
EATON VANCE LIMITED DURATION COM 27828H105 160,297 18,970 SH SOLE 0 0 18,970
ELI LILLY & CO COM 532457108 2,395,630 2,070 SH SOLE 0 0 2,070
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,768,862 10,869 SH SOLE 0 0 10,869
GE AEROSPACE COM NEW 369604301 289,045 926 SH SOLE 0 0 926
GENERAL DYNAMICS CORP COM 369550108 1,683,272 5,073 SH SOLE 0 0 5,073
GILEAD SCIENCES INC COM 375558103 262,924 1,764 SH SOLE 0 0 1,764
HOME DEPOT INC COM 437076102 1,080,559 3,798 SH SOLE 0 0 3,798
INVESCO EXCH TRD SLF IDX FD BUL 2033 COR ETF 46139W825 3,863,943 193,209 SH SOLE 0 0 193,209
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 506,704 27,841 SH SOLE 0 0 27,841
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 930,614 57,659 SH SOLE 0 0 57,659
INVESCO EXCH TRD SLF IDX FD BULLETSHS 2032 46139W858 235,059 12,002 SH SOLE 0 0 12,002
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,217,100 60,477 SH SOLE 0 0 60,477
INVESCO EXCH TRD SLF IDX FD BULLE MUN ETF 46139W791 270,534 11,237 SH SOLE 0 0 11,237
INVESCO EXCH TRD SLF IDX FD INVSC 30 MUNI BD 46138J445 379,017 18,140 SH SOLE 0 0 18,140
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 293,516 1,411 SH SOLE 0 0 1,411
INVESCO QQQ TR UNIT SER 1 46090E103 1,648,947 2,229 SH SOLE 0 0 2,229
ISHARES TR ISHARES BIOTECH 464287556 693,815 3,296 SH SOLE 0 0 3,296
ISHARES TR LATN AMER 40 ETF 464287390 1,643,612 47,641 SH SOLE 0 0 47,641
ISHARES TR MSCI EAFE ETF 464287465 3,725,891 35,864 SH SOLE 0 0 35,864
ISHARES TR MSCI INDIA ETF 46429B598 2,063,969 44,215 SH SOLE 0 0 44,215
ISHARES TR CORE S&P SCP ETF 464287804 765,216 5,625 SH SOLE 0 0 5,625
ISHARES TR CORE S&P MCP ETF 464287507 718,366 9,984 SH SOLE 0 0 9,984
ISHARES TR RUSSELL 2000 ETF 464287655 2,835,312 10,203 SH SOLE 0 0 10,203
ISHARES TR TIPS BD ETF 464287176 448,412 4,310 SH SOLE 0 0 4,310
ISHARES TR MSCI EMG MKT ETF 464287234 913,527 13,678 SH SOLE 0 0 13,678
ISHARES TR CORE S&P500 ETF 464287200 736,748 962 SH SOLE 0 0 962
ISHARES TR CALIF MUN BD ETF 464288356 274,930 5,080 SH SOLE 0 0 5,080
ISHARES TR MSCI USA MIN ETF 46429B697 450,563 4,624 SH SOLE 0 0 4,624
ISHARES TR RUS 1000 GRW ETF 464287614 236,491 1,888 SH SOLE 0 0 1,888
JOHNSON & JOHNSON COM 478160104 551,189 2,082 SH SOLE 0 0 2,082
JPMORGAN CHASE & CO COM 46625H100 2,336,583 7,063 SH SOLE 0 0 7,063
LINDE PLC SHS G54950103 386,365 814 SH SOLE 0 0 814
MASTERCARD INCORPORATED CL A 57636Q104 1,336,703 2,424 SH SOLE 0 0 2,424
MCKESSON CORP COM 58155Q103 3,362,013 3,938 SH SOLE 0 0 3,938
MICRON TECHNOLOGY INC COM 595112103 1,187,297 1,115 SH SOLE 0 0 1,115
MICROSOFT CORP COM 594918104 4,994,643 9,738 SH SOLE 0 0 9,738
NEXTERA ENERGY INC COM 65339F101 1,314,952 17,361 SH SOLE 0 0 17,361
NEXTERA ENERGY INC UNIT 06/01/2027 65339F663 942,872 19,258 SH SOLE 0 0 19,258
NORFOLK SOUTHN CORP COM 655844108 875,706 2,834 SH SOLE 0 0 2,834
NUVEEN AMT FREE QLTY MUN INC COM 670657105 187,319 18,826 SH SOLE 0 0 18,826
NUVEEN MUN CR INCOME FD COM SH BEN INT 67070X101 161,313 14,895 SH SOLE 0 0 14,895
NUVEEN QUALITY MUNCP INCOME COM 67066V101 154,644 15,281 SH SOLE 0 0 15,281
NVIDIA CORPORATION COM 67066G104 6,459,333 28,283 SH SOLE 0 0 28,283
PALANTIR TECHNOLOGIES INC CL A 69608A108 314,888 1,683 SH SOLE 0 0 1,683
PALO ALTO NETWORKS INC COM 697435105 2,627,364 6,613 SH SOLE 0 0 6,613
PEPSICO INC COM 713448108 746,107 5,888 SH SOLE 0 0 5,888
PHILLIPS 66 COM 718546104 2,127,104 8,331 SH SOLE 0 0 8,331
PIMCO DYNAMIC INCOME STRATEG COM SHS BEN INT 69346N107 564,856 27,825 SH SOLE 0 0 27,825
PROCTER & GAMBLE CO COM 742718109 231,140 1,591 SH SOLE 0 0 1,591
PUBLIC SVC ENTERPRISE GROUP COM 744573106 237,508 3,527 SH SOLE 0 0 3,527
QXO INC COM NEW 82846H405 569,603 48,726 SH SOLE 0 0 48,726
QXO INC 5.50 DEP PFD 82846H504 343,950 8,501 SH SOLE 0 0 8,501
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 233,040 7,768 SH SOLE 0 0 7,768
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 256,824 1,312 SH SOLE 0 0 1,312
SNAP ON INC COM 833034101 222,007 611 SH SOLE 0 0 611
STARBUCKS CORP COM 855244109 230,738 2,456 SH SOLE 0 0 2,456
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,597,823 4,718 SH SOLE 0 0 4,718
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 1,541,298 2,347 SH SOLE 0 0 2,347
THE CIGNA GROUP COM 125523100 1,129,135 4,154 SH SOLE 0 0 4,154
TJX COS INC NEW COM 872540109 297,698 2,250 SH SOLE 0 0 2,250
TRAVELERS COMPANIES INC COM 89417E109 2,607,164 7,313 SH SOLE 0 0 7,313
TRUIST FINL CORP COM 89832Q109 909,538 19,644 SH SOLE 0 0 19,644
UBER TECHNOLOGIES INC COM 90353T100 807,030 11,780 SH SOLE 0 0 11,780
UNITEDHEALTH GROUP INC COM 91324P102 869,951 2,370 SH SOLE 0 0 2,370
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 4,256,251 54,275 SH SOLE 0 0 54,275
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 4,727,655 16,618 SH SOLE 0 0 16,618
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 431,080 1,995 SH SOLE 0 0 1,995
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,335,839 1,906 SH SOLE 0 0 1,906
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 400,429 8,455 SH SOLE 0 0 8,455
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 502,783 2,155 SH SOLE 0 0 2,155
VANGUARD STAR FDS VG TL INTL STK F 921909768 569,317 6,701 SH SOLE 0 0 6,701
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 849,509 12,031 SH SOLE 0 0 12,031
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 214,768 3,402 SH SOLE 0 0 3,402
VICI PPTYS INC COM 925652109 867,279 37,757 SH SOLE 0 0 37,757
WABTEC COM 929740108 306,118 1,066 SH SOLE 0 0 1,066
WALMART INC COM 931142103 1,829,767 17,607 SH SOLE 0 0 17,607
WELLS FARGO & CO PERP PFD CNV A 949746804 418,648 388 SH SOLE 0 0 388
WELLS FARGO & CO COM 949746101 630,743 7,879 SH SOLE 0 0 7,879
WISDOMTREE TR JAPN HEDGE EQT 97717W851 458,228 2,538 SH SOLE 0 0 2,538