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
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 4,202 28,225 SH   SOLE   28,200 0 25
Abbott Laboratories COM 002824100 625 5,282 SH   SOLE   5,282 0 0
Abbvie Inc COM 00287Y109 1,982 12,224 SH   SOLE   12,224 0 0
Abn-Amro North America PFD 003714201 208 8,000 SH   SOLE   8,000 0 0
Accenture PLC Cl A COM G1151C101 2,092 6,202 SH   SOLE   6,202 0 0
Adobe Inc COM 00724F101 1,688 3,704 SH   SOLE   3,679 0 25
Advanced Micro Devices COM 007903107 1,211 11,075 SH   SOLE   11,075 0 0
Alphabet Inc - Class A COM 02079K305 8,516 3,062 SH   SOLE   3,059 0 3
Alphabet Inc - Class C COM 02079K107 2,058 737 SH   SOLE   737 0 0
Altegris Multi Strategy Fund COM 001011961 261 122 SH   SOLE   122 0 0
Altria Group Inc COM 02209S103 299 5,716 SH   SOLE   5,716 0 0
Amazon.Com Inc COM 023135106 8,292 2,544 SH   SOLE   2,544 0 0
AMC Networks Inc A COM 00164V103 1,159 28,527 SH   SOLE   0 0 28,527
American Express COM 025816109 4,971 26,581 SH   SOLE   25,631 0 950
Amerisourcebergen Corp Com COM 03073E105 240 1,551 SH   SOLE   1,551 0 0
Amgen Inc COM 031162100 2,049 8,475 SH   SOLE   8,475 0 0
Amyris Inc COM 03236M200 44 10,040 SH   SOLE   10,040 0 0
Anthem Inc COM 036752103 502 1,022 SH   SOLE   1,022 0 0
Apple Inc COM 037833100 35,680 204,341 SH   SOLE   204,277 0 64
Apple Inc USD145 EXP 01/19/24 CALL 037833900 302 62 SH Call SOLE   0 0 62
Applied Materials COM 038222105 645 4,890 SH   SOLE   4,890 0 0
Aptiv PLC COM g6095l109 626 5,230 SH   SOLE   5,230 0 0
ASML Holding NV - NY Reg COM N07059210 275 412 SH   SOLE   412 0 0
AT&T Inc COM 00206R102 896 37,925 SH   SOLE   37,925 0 0
Automatic Data Processing COM 053015103 949 4,171 SH   SOLE   3,971 0 200
Auxly Cannabis Group COM 04957F101 6 47,500 SH   SOLE   47,500 0 0
Bank Of America Corp COM 060505104 2,917 70,770 SH   SOLE   70,695 0 75
Berkshire Hathaway Inc-CL B COM 084670702 13,948 39,523 SH   SOLE   38,903 0 620
Blackrock Inc COM 09247X101 4,549 5,953 SH   SOLE   5,953 0 0
Blackrock Short Maturity Bon ETF 46431W507 5,336 107,644 SH   SOLE   105,249 0 2,395
Blackstone Inc COM 09260D107 1,483 11,682 SH   SOLE   11,682 0 0
Boeing Co COM 097023105 1,631 8,519 SH   SOLE   8,519 0 0
Bridgebio Pharma Inc. COM 10806x102 529 52,087 SH   SOLE   52,087 0 0
Bristol-Myers Squibb Co COM 110122108 1,809 24,767 SH   SOLE   24,767 0 0
Broadcom Ltd COM 11135F101 2,298 3,649 SH   SOLE   3,649 0 0
Cable One Inc COM 12685J105 461 315 SH   SOLE   315 0 0
Caterpillar Incorporated COM 149123101 747 3,353 SH   SOLE   3,353 0 0
Chevron Corporation COM 166764100 3,174 19,495 SH   SOLE   19,445 0 50
Cisco Systems COM 17275R102 4,094 73,426 SH   SOLE   73,276 0 150
Citigroup Inc COM 172967424 1,392 26,070 SH   SOLE   26,050 0 20
Clorox Co COM 189054109 962 6,918 SH   SOLE   6,918 0 0
Coca-Cola Co COM 191216100 3,562 57,458 SH   SOLE   56,658 0 800
Cognex Corp COM 192422103 213 2,760 SH   SOLE   2,760 0 0
Colgate-Palmolive COM 194162103 818 10,786 SH   SOLE   10,786 0 0
Comcast Corp Cl A COM 20030N101 806 17,205 SH   SOLE   17,205 0 0
ConocoPhillips COM 20825C104 237 2,368 SH   SOLE   2,268 0 100
Consolidated Edison COM 209115104 209 2,208 SH   SOLE   2,208 0 0
Constellation Brands Inc - A COM 21036P108 443 1,925 SH   SOLE   1,925 0 0
Consumer Discretionary Sel S ETF 81369Y407 867 4,688 SH   SOLE   4,688 0 0
Costco Wholesale Corp COM 22160K105 3,356 5,828 SH   SOLE   5,828 0 0
CrowdStrike Holdings Inc - A COM 22788c105 1,042 4,590 SH   SOLE   4,590 0 0
CSX Corp COM 126408103 1,875 50,075 SH   SOLE   50,075 0 0
Cummins Inc COM 231021106 1,083 5,279 SH   SOLE   5,279 0 0
Deere & Co COM 244199105 476 1,145 SH   SOLE   1,145 0 0
Diageo Plc-Sponsored Adr ADR 25243Q205 2,465 12,134 SH   SOLE   11,634 0 500
Docusign Inc COM 256163106 1,184 11,053 SH   SOLE   11,053 0 0
Dominion Energy Inc COM 25746U109 764 8,993 SH   SOLE   8,993 0 0
Drone Guarder Inc COM 26211L103 0 12,070 SH   SOLE   12,070 0 0
Duke Energy Corp COM 26441C204 355 3,183 SH   SOLE   3,183 0 0
Eaton Corp PLC COM G29183103 362 2,388 SH   SOLE   2,388 0 0
Elanco Animal Health Inc COM 28414H103 509 19,510 SH   SOLE   19,510 0 0
Eli Lilly & Co COM 532457108 446 1,559 SH   SOLE   1,559 0 0
Emerson Elec Co COM 291011104 900 9,178 SH   SOLE   9,178 0 0
Energy Select Sector SPDR Fu ETF 81369Y506 676 8,841 SH   SOLE   8,841 0 0
Enterprise Prods Partners Ma COM 293792107 275 10,651 SH   SOLE   10,651 0 0
Etsy Inc. COM 29786a106 584 4,700 SH   SOLE   4,700 0 0
Exxon Mobil Corp COM 30231G102 2,136 25,867 SH   SOLE   25,617 0 250
Fedex Corp COM 31428X106 684 2,955 SH   SOLE   2,955 0 0
First Trust DJ Internet ETF 33733e302 2,252 11,989 SH   SOLE   11,989 0 0
First Trust Ise Cloud Comput ETF 33734X192 661 7,298 SH   SOLE   7,173 0 125
First Trust NASDAQ Cybersecu ETF 33734x846 887 16,704 SH   SOLE   16,704 0 0
First Trust NASDAQ Rising Di ETF 33738r506 881 17,978 SH   SOLE   16,963 0 1,015
First Trust NASDAQ Trans ETF ETF 33738R795 1,836 56,825 SH   SOLE   56,400 0 425
First Trust Senior Loan ETF ETF 33738d309 669 14,215 SH   SOLE   14,215 0 0
First Trust TCW Opportunisti ETF 33740f805 399 8,055 SH   SOLE   8,055 0 0
Flexshares Global Upstream N ETF 33939L407 4,061 86,714 SH   SOLE   86,414 0 300
FlexShares iBoxx 3 Yr Target ETF 33939l506 12,978 500,872 SH   SOLE   499,857 0 1,015
FPL Group Inc COM 302571104 114 18,100 SH   SOLE   18,100 0 0
Fuse Cobalt Inc COM 36116V106 1 25,000 SH   SOLE   25,000 0 0
General Mills COM 370334104 2,058 30,396 SH   SOLE   30,321 0 75
General Motors COM 37045V100 845 19,320 SH   SOLE   19,320 0 0
Gilead Sciences Inc COM 375558103 878 14,766 SH   SOLE   14,766 0 0
Global Lithium & Battery Tec ETF 37954y855 222 2,880 SH   SOLE   2,880 0 0
Global Security & Intellige COM 379369101 0 10,000 SH   SOLE   10,000 0 0
Global X Robotics & Artifici ETF 37954y715 2,041 70,345 SH   SOLE   69,895 0 450
Goldman Sachs Group Inc COM 38141G104 2,008 6,082 SH   SOLE   6,082 0 0
Graham Holdings Co-Class B COM 384637104 394 645 SH   SOLE   645 0 0
Health Care Select Sector SP ETF 81369Y209 252 1,843 SH   SOLE   1,843 0 0
Helen of Troy Ltd COM G4388n106 764 3,900 SH   SOLE   3,900 0 0
Home Depot Inc COM 437076102 4,394 14,681 SH   SOLE   14,656 0 25
Honeywell International COM 438516106 591 3,039 SH   SOLE   3,039 0 0
Icon Plc COM G4705A100 243 1,000 SH   SOLE   1,000 0 0
Illinois Tool Works Inc COM 452308109 420 2,005 SH   SOLE   2,005 0 0
Intel Corp COM 458140100 3,481 70,244 SH   SOLE   70,244 0 0
International Business Machi COM 459200101 1,261 9,697 SH   SOLE   9,697 0 0
Intl Meta Sys COM 45986B108 0 37,000 SH   SOLE   37,000 0 0
Invesco QQQ Trust Series I ETF 46090E103 16,536 45,613 SH   SOLE   45,508 0 105
Invesco S&P 500 Equal Weight ETF 46137V357 8,259 52,371 SH   SOLE   52,121 0 250
Invesco Variable Rate Prefer ETF 46138g870 733 29,983 SH   SOLE   29,983 0 0
IQ Merger Arbitrage ETF 45409B800 1,863 58,340 SH   SOLE   58,340 0 0
iShares 1-5 Year Inv Gr Corp ETF 464288646 845 16,333 SH   SOLE   16,333 0 0
iShares Barclay S/Treasury B ETF 464288679 1,340 12,153 SH   SOLE   12,153 0 0
iShares Barclays 3-7 Yr Trea ETF 464288661 3,996 32,744 SH   SOLE   32,744 0 0
iShares Barclays TIPS Bond F ETF 464287176 604 4,850 SH   SOLE   4,850 0 0
iShares COMEX Gold Trust ETF 464285204 314 8,532 SH   SOLE   8,532 0 0
iShares Commodities Sel Stra ETF 46431w853 239 5,967 SH   SOLE   5,967 0 0
iShares Core MSCI Emerging M ETF 46434G103 4,666 83,998 SH   SOLE   83,748 0 250
iShares Core MSCI Total Intl ETF 46432f834 813 12,210 SH   SOLE   11,275 0 935
iShares Core S&P 500 Index F ETF 464287200 11,593 25,553 SH   SOLE   25,528 0 25
iShares Core S&P S/C ETF ETF 464287804 5,192 48,131 SH   SOLE   48,131 0 0
IShares Edge MSCI Intl Quali ETF 46434v456 235 6,365 SH   SOLE   6,365 0 0
iShares Edge MSCI Multifacto ETF 46434v274 318 11,510 SH   SOLE   11,510 0 0
iShares Edge MSCI USA Moment ETF 46432f396 675 4,010 SH   SOLE   3,980 0 30
iShares ESG MSCI USA Small-C ETF 46435U663 336 8,835 SH   SOLE   8,835 0 0
iShares Floating Rate Bond E ETF 46429B655 733 14,515 SH   SOLE   14,515 0 0
iShares GSCI Commodity Index ETF 46428r107 1,537 67,875 SH   SOLE   67,875 0 0
IShares High Dividend Eq Fd ETF 46429b663 289 2,705 SH   SOLE   2,705 0 0
iShares Lehman 7-10 Year Bon ETF 464287440 445 4,141 SH   SOLE   4,120 0 21
iShares MSCI ACWI ex US ETF ETF 464288240 728 13,935 SH   SOLE   13,935 0 0
iShares MSCI EAFE Index Fund ETF 464287465 265 3,600 SH   SOLE   3,566 0 34
iShares MSCI EAFE Small Cap ETF 464288273 4,687 70,657 SH   SOLE   70,657 0 0
iShares MSCI UK Index Fund ETF 46435g334 793 23,575 SH   SOLE   23,575 0 0
iShares MSCI USA ESG Select ETF 464288802 360 3,720 SH   SOLE   3,720 0 0
iShares MSCI USA Quality ETF 46432F339 23,326 173,258 SH   SOLE   172,493 0 765
iShares Nasdaq Biotechnology ETF 464287556 241 1,853 SH   SOLE   1,853 0 0
iShares Preferred & Inc Secu ETF 464288687 1,231 33,800 SH   SOLE   33,800 0 0
iShares Russell 1000 Growth ETF 464287614 497 1,789 SH   SOLE   1,789 0 0
iShares Russell 1000 Value I ETF 464287598 741 4,464 SH   SOLE   4,464 0 0
iShares Russell 2000 Growth ETF 464287648 3,208 12,543 SH   SOLE   12,543 0 0
iShares Russell Midcap Growt ETF 464287481 302 3,004 SH   SOLE   3,004 0 0
iShares S&P Glbl Energy Sect ETF 464287341 395 10,936 SH   SOLE   10,936 0 0
iShares S&P National AMT Fre ETF 464288414 881 8,031 SH   SOLE   7,666 0 365
iShares S&P Smallcap 600 Gro ETF 464287887 763 6,102 SH   SOLE   6,102 0 0
iShares S&P Smallcap 600 Val ETF 464287879 2,388 23,319 SH   SOLE   23,319 0 0
IShares Short Maturity Munic ETF 46431w838 266 5,345 SH   SOLE   5,345 0 0
iShares Tr Russell 2000 ETF 464287655 6,336 30,865 SH   SOLE   30,865 0 0
Ishares Tr Russell Midcap ETF 464287499 1,796 23,009 SH   SOLE   23,009 0 0
iShares Tr S&P 100 Index Fd ETF 464287101 482 2,311 SH   SOLE   2,311 0 0
iShares Tr S&P Midcap 400 ETF 464287507 2,817 10,498 SH   SOLE   10,498 0 0
iShares Ultra Short-Term Bon ETF 46434v878 252 5,033 SH   SOLE   5,033 0 0
Johnson & Johnson COM 478160104 16,461 92,882 SH   SOLE   92,182 0 700
JP Morgan Ultra-Short Income ETF 46641Q837 4,302 85,577 SH   SOLE   85,577 0 0
JP Morgan US Aggregate Bond ETF 46641q241 211 4,172 SH   SOLE   4,172 0 0
JPMorgan Chase & Co COM 46625H100 5,339 39,165 SH   SOLE   38,640 0 525
JPMorgan Diversified Return ETF 46641Q845 982 22,410 SH   SOLE   22,410 0 0
JPMorgan Equity Premium ETF ETF 46641Q332 292 4,750 SH   SOLE   4,750 0 0
KLA Corp COM 482480100 910 2,485 SH   SOLE   2,485 0 0
Lam Research COM 512807108 239 445 SH   SOLE   445 0 0
Lear Corporation COM 521865204 294 2,065 SH   SOLE   2,065 0 0
Linde PLC COM g5494j103 260 814 SH   SOLE   814 0 0
Lockheed Martin Corporation COM 539830109 2,896 6,562 SH   SOLE   6,562 0 0
Lowe's Companies Inc COM 548661107 1,113 5,506 SH   SOLE   5,506 0 0
Lumentum Holdings Inc COM 55024u109 878 8,995 SH   SOLE   8,995 0 0
LyondellBasell Indus NV COM N53745100 1,819 17,692 SH   SOLE   17,692 0 0
Madison Square Garden Entert COM 55826T102 345 4,143 SH   SOLE   608 0 3,535
Madison Square Garden Sports COM 55825T103 1,814 10,112 SH   SOLE   603 0 9,509
Marathon Petroleum Corp COM 56585A102 298 3,485 SH   SOLE   3,485 0 0
Marsh & Mclennan COM 571748102 525 3,079 SH   SOLE   3,079 0 0
Mastercard Inc Class A COM 57636q104 5,309 14,855 SH   SOLE   14,855 0 0
Mazda Motor - Unsp ADR ADR 578787103 37 10,000 SH   SOLE   10,000 0 0
McDonald's Corp COM 580135101 3,986 16,119 SH   SOLE   16,094 0 25
McKesson Corp COM 58155Q103 323 1,055 SH   SOLE   1,055 0 0
Medtronic PLC COM G5960L103 687 6,196 SH   SOLE   6,196 0 0
Merck & Co COM 58933Y105 5,040 61,420 SH   SOLE   61,420 0 0
Meta Platforms Inc COM 30303M102 2,096 9,426 SH   SOLE   9,426 0 0
Micron Technology Inc COM 595112103 854 10,967 SH   SOLE   10,967 0 0
Microsoft Corp COM 594918104 23,280 75,509 SH   SOLE   74,784 0 725
Mondelez International Inc COM 609207105 485 7,722 SH   SOLE   7,722 0 0
Morgan Stanley COM 617446448 4,792 54,827 SH   SOLE   54,577 0 250
Nestle Sa-Spons Adr ADR 641069406 5,205 40,006 SH   SOLE   39,406 0 600
Netflix Inc COM 64110L106 1,096 2,926 SH   SOLE   2,926 0 0
New Jersey Resource Corp COM 646025106 1,145 24,963 SH   SOLE   24,963 0 0
Nextera Energy Inc COM 65339F101 1,180 13,924 SH   SOLE   13,924 0 0
Nike Inc - B COM 654106103 442 3,285 SH   SOLE   3,285 0 0
Norfolk Southern COM 655844108 695 2,435 SH   SOLE   2,435 0 0
NorthStar HealthCare Income COM 66799d107 98 25,000 SH   SOLE   25,000 0 0
Novartis Ag-Adr ADR 66987V109 434 4,947 SH   SOLE   4,447 0 500
NVIDIA Corp COM 67066G104 3,646 13,364 SH   SOLE   13,364 0 0
OGE Energy Corp COM 670837103 287 7,043 SH   SOLE   7,043 0 0
Oracle Corp COM 68389X105 497 6,009 SH   SOLE   6,009 0 0
Paramount Global COM 92556H206 547 14,462 SH   SOLE   14,462 0 0
Paychex COM 704326107 1,780 13,040 SH   SOLE   12,540 0 500
Paypal Inc COM 70450y103 414 3,582 SH   SOLE   3,582 0 0
Pepsico Inc COM 713448108 4,715 28,172 SH   SOLE   28,122 0 50
Pfizer Inc COM 717081103 6,209 119,943 SH   SOLE   119,593 0 350
Phillips 66 COM 718546104 215 2,493 SH   SOLE   2,443 0 50
Pimco 0-5 Year H/Y Corp Bond ETF 72201r783 211 2,189 SH   SOLE   2,189 0 0
Pimco Enhanced Short Maturit ETF 72201r833 1,726 17,232 SH   SOLE   17,232 0 0
PIMCO Total Return ETF ETF 72201R775 891 8,757 SH   SOLE   8,757 0 0
PNC Fincl Services Group COM 693475105 2,549 13,817 SH   SOLE   13,817 0 0
PPL Corp COM 69351T106 387 13,535 SH   SOLE   13,535 0 0
Procter & Gamble COM 742718109 7,953 52,046 SH   SOLE   51,602 0 444
Public Service Enterprise Gr COM 744573106 490 7,005 SH   SOLE   7,005 0 0
Qorvo Inc COM 74736k101 679 5,475 SH   SOLE   5,475 0 0
Qualcomm Inc COM 747525103 347 2,273 SH   SOLE   2,238 0 35
Raytheon Tech Corp COM 75513e101 3,254 32,845 SH   SOLE   32,795 0 50
Rockwell Automation Inc COM 773903109 259 925 SH   SOLE   925 0 0
Salesforce.com Inc COM 79466l302 601 2,829 SH   SOLE   2,829 0 0
Schwab US Broad Martket ETF ETF 808524102 232 4,343 SH   SOLE   4,343 0 0
Schwab US DVD equity ETF ETF 808524797 16,879 213,959 SH   SOLE   213,029 0 930
Schwab US Mid Cap ETF ETF 808524508 1,934 25,493 SH   SOLE   25,493 0 0
Schwab Us Reit Etf ETF 808524847 300 12,040 SH   SOLE   12,040 0 0
Schwab US Small-Cap ETF ETF 808524607 1,345 28,405 SH   SOLE   28,405 0 0
SeaGen Inc COM 81181C104 322 2,235 SH   SOLE   2,235 0 0
Sector SPDR AMEX Consumer ETF 81369Y308 300 3,954 SH   SOLE   3,954 0 0
Sector SPDR AMEX Industria ETF 81369Y704 313 3,041 SH   SOLE   3,041 0 0
Sector SPDR AMEX Tech Sele ETF 81369Y803 931 5,859 SH   SOLE   5,859 0 0
SJW Corp COM 784305104 209 3,000 SH   SOLE   3,000 0 0
Skyworks Solutions Inc Com COM 83088M102 453 3,400 SH   SOLE   3,400 0 0
SPDR Blackstone/GSO Senior L ETF 78467V608 234 5,200 SH   SOLE   5,200 0 0
SPDR Bloomberg Conv Secs ETF ETF 78464a359 340 4,420 SH   SOLE   4,420 0 0
SPDR Doubleline Total Return ETF 78467V848 3,785 84,549 SH   SOLE   82,479 0 2,070
SPDR Dow Jones Indl Avrg ETF ETF 78467X109 5,834 16,820 SH   SOLE   16,820 0 0
SPDR Gold Trust ETF 78463V107 554 3,068 SH   SOLE   3,068 0 0
Spdr Metals & Mining Etf ETF 78464A755 2,901 47,338 SH   SOLE   47,338 0 0
SPDR Nuveen Bloomberg ST Mun ETF 78468R739 543 11,477 SH   SOLE   11,477 0 0
SPDR Portfolio S/T Corp Bond ETF 78464a474 284 9,415 SH   SOLE   9,415 0 0
SPDR Portfolio Short Term Tr ETF 78468r101 399 13,467 SH   SOLE   13,467 0 0
SPDR S & P Mid-Cap 400 ETF T ETF 78467Y107 5,813 11,852 SH   SOLE   11,852 0 0
SPDR S&P 500 ETF Tr ETF 78462F103 27,818 61,593 SH   SOLE   60,893 0 700
SPDR S&P 600 S/C Value ETF ETF 78464A300 492 5,910 SH   SOLE   5,910 0 0
SPDR S&P Biotech ETF ETF 78464A870 362 4,025 SH   SOLE   4,025 0 0
Starbucks Corp COM 855244109 5,117 56,254 SH   SOLE   56,179 0 75
Sysco Corp COM 871829107 551 6,749 SH   SOLE   6,749 0 0
T Rowe Price Group Inc COM 74144T108 933 6,172 SH   SOLE   6,172 0 0
Target Corp COM 87612E106 548 2,580 SH   SOLE   2,580 0 0
Tesla Inc COM 88160r101 4,440 4,120 SH   SOLE   4,110 0 10
Texas Instruments Inc COM 882508104 474 2,581 SH   SOLE   2,581 0 0
The Charles Schwab COM 808513105 1,155 13,700 SH   SOLE   13,650 0 50
The Hershey Company COM 427866108 317 1,465 SH   SOLE   1,465 0 0
Thermo Fisher Scientific Inc COM 883556102 233 395 SH   SOLE   395 0 0
Travelers Companies Inc COM 89417E109 492 2,691 SH   SOLE   2,691 0 0
Truist Financial Corp COM 89832q109 242 4,263 SH   SOLE   4,263 0 0
Uber Technologies Inc COM 90353t100 278 7,800 SH   SOLE   7,800 0 0
Union Pac Corp COM 907818108 459 1,680 SH   SOLE   1,680 0 0
United Parcel Service -Cl B COM 911312106 4,162 19,406 SH   SOLE   19,381 0 25
Unitedhealth Group Inc COM 91324P102 3,732 7,318 SH   SOLE   7,318 0 0
Valero Energy Corp New COM 91913Y100 1,798 17,711 SH   SOLE   17,711 0 0
Valley National Bancorp COM 919794107 160 12,265 SH   SOLE   12,265 0 0
VanEck Vectors Short H/Y Mun ETF 92189F387 233 10,030 SH   SOLE   10,030 0 0
Vanguard Bd Index Fd Tot Mkt ETF 921937835 4,895 61,539 SH   SOLE   60,134 0 1,405
Vanguard Dividend Appreciati ETF 921908844 766 4,724 SH   SOLE   4,724 0 0
Vanguard Energy ETF ETF 92204A306 256 2,389 SH   SOLE   2,389 0 0
Vanguard ESG International S ETF 921910725 277 4,840 SH   SOLE   4,840 0 0
Vanguard ESG US ETF ETF 921910733 378 4,660 SH   SOLE   4,660 0 0
Vanguard Extended Market ETF ETF 922908652 1,450 8,750 SH   SOLE   8,750 0 0
Vanguard FTSE ALL WO X-US SC ETF 922042718 279 2,255 SH   SOLE   2,255 0 0
Vanguard FTSE All World Ex U ETF 922042775 11,046 191,812 SH   SOLE   191,152 0 660
Vanguard FTSE Developed Mark ETF 921943858 2,427 50,524 SH   SOLE   50,524 0 0
Vanguard FTSE Emerging Marke ETF 922042858 887 19,218 SH   SOLE   19,218 0 0
Vanguard FTSE Europe ETF ETF 922042874 369 5,925 SH   SOLE   5,925 0 0
Vanguard High Div Yield ETF ETF 921946406 22,094 196,825 SH   SOLE   196,105 0 720
Vanguard Information Technol ETF 92204A702 495 1,188 SH   SOLE   1,188 0 0
Vanguard Intermediate-Term C ETF 92206c870 222 2,581 SH   SOLE   2,581 0 0
Vanguard Interm-Term Govt Bd ETF 92206C706 991 15,760 SH   SOLE   15,760 0 0
Vanguard Intl Hi Div Yield I ETF 921946794 763 11,290 SH   SOLE   11,290 0 0
Vanguard Large Cap ETF ETF 922908637 11,486 55,093 SH   SOLE   55,093 0 0
Vanguard Mid-Cap ETF ETF 922908629 3,347 14,074 SH   SOLE   14,074 0 0
Vanguard REIT ETF ETF 922908553 1,135 10,475 SH   SOLE   10,475 0 0
Vanguard S&P 500 ETF ETF 922908363 3,520 8,479 SH   SOLE   8,479 0 0
Vanguard S&P 500 Growth ETF ETF 921932505 827 3,000 SH   SOLE   3,000 0 0
Vanguard Short Term Corp Bon ETF 92206C409 9,563 122,458 SH   SOLE   121,153 0 1,305
Vanguard Short-Term TIPS Ind ETF 922020805 403 7,873 SH   SOLE   7,873 0 0
Vanguard Small Cap Value - E ETF 922908611 278 1,581 SH   SOLE   1,581 0 0
Vanguard Small-Cap ETF ETF 922908751 26,590 125,118 SH   SOLE   124,592 0 526
Vanguard Tax Exempt Bond ETF ETF 922907746 1,352 26,235 SH   SOLE   26,235 0 0
Vanguard Total Intl Stock In ETF 921909768 3,262 54,605 SH   SOLE   54,605 0 0
Vanguard US Total Stock Mark ETF 922908769 15,511 68,129 SH   SOLE   67,859 0 270
Verizon Communications COM 92343V104 3,858 75,732 SH   SOLE   75,732 0 0
Visa Inc Class A Shares COM 92826C839 1,943 8,762 SH   SOLE   8,762 0 0
Wal Mart Stores Inc COM 931142103 6,318 42,423 SH   SOLE   42,073 0 350
Walt Disney Co COM 254687106 7,277 53,058 SH   SOLE   52,158 0 900
Waste Management Inc COM 94106L109 571 3,605 SH   SOLE   2,955 0 650
Waters Corp COM 941848103 490 1,580 SH   SOLE   1,580 0 0
Welltower Inc COM 95040q104 2,595 26,995 SH   SOLE   26,895 0 100
WisdomTree Bloomberg Fl Rate ETF 97717y527 520 10,346 SH   SOLE   10,346 0 0
Wisdomtree MidCap Dividend F ETF 97717W505 2,049 46,131 SH   SOLE   46,131 0 0
Wisdomtree SmallCap Dividend ETF 97717W604 1,095 34,368 SH   SOLE   34,368 0 0
Zoetis Inc COM 98978V103 208 1,104 SH   SOLE   1,104 0 0