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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co COM 88579Y101   741,953 6,187 SH   SOLE   6,187 0 0
Abbott Laboratories COM 002824100   953,134 8,681 SH   SOLE   8,681 0 0
Abbvie Inc COM 00287Y109   2,253,813 13,946 SH   SOLE   13,946 0 0
Accenture PLC Cl A COM G1151C101   1,708,043 6,401 SH   SOLE   6,401 0 0
Activision Blizzard Inc COM 00507V109   228,268 2,982 SH   SOLE   2,982 0 0
Adobe Inc COM 00724F101   1,778,561 5,285 SH   SOLE   5,285 0 0
Advanced Micro Devices COM 007903107   570,624 8,810 SH   SOLE   8,810 0 0
Aflac Inc COM 001055102   299,630 4,165 SH   SOLE   4,165 0 0
Air Products & Chemicals Inc COM 009158106   389,641 1,264 SH   SOLE   1,264 0 0
Alphabet Inc - Class A COM 02079K305   6,491,434 73,574 SH   SOLE   73,574 0 0
Alphabet Inc - Class C COM 02079K107   1,694,122 19,093 SH   SOLE   19,093 0 0
Altria Group Inc COM 02209S103   420,029 9,189 SH   SOLE   9,189 0 0
Amazon.Com Inc COM 023135106   4,802,616 57,174 SH   SOLE   57,174 0 0
American Express COM 025816109   3,699,463 25,039 SH   SOLE   24,089 0 950
American International Group COM 026874784   263,648 4,169 SH   SOLE   4,169 0 0
American Tower Corp COM 03027X100   233,046 1,100 SH   SOLE   1,100 0 0
Ameriprise Financial COM 03076c106   235,084 755 SH   SOLE   755 0 0
Amerisourcebergen Corp Com COM 03073E105   278,724 1,682 SH   SOLE   1,682 0 0
AMG Pantheon Private Equity Fd COM 1114852D9   164,293 160,000 SH   SOLE   160,000 0 0
Amgen Inc COM 031162100   2,721,607 10,363 SH   SOLE   10,363 0 0
Amyris Inc COM 03236M200   23,746 15,520 SH   SOLE   15,520 0 0
Analog Devices COM 032654105   249,490 1,521 SH   SOLE   1,521 0 0
Apple Inc COM 037833100   30,522,186 234,913 SH   SOLE   234,913 0 0
Applied Materials COM 038222105   613,007 6,295 SH   SOLE   6,295 0 0
Aptiv PLC COM g6095l109   666,904 7,161 SH   SOLE   7,161 0 0
ASML Holding NV - NY Reg COM N07059210   340,954 624 SH   SOLE   624 0 0
AT&T Inc COM 00206R102   918,925 49,914 SH   SOLE   49,914 0 0
Automatic Data Processing COM 053015103   1,285,783 5,383 SH   SOLE   5,258 0 125
Auxly Cannabis Group COM 04957F101   703 47,500 SH   SOLE   47,500 0 0
Bank Of America Corp COM 060505104   2,060,066 62,200 SH   SOLE   62,200 0 0
Becton Dickinson & Co COM 075887109   245,908 967 SH   SOLE   967 0 0
Berkshire Hathaway Inc-CL B COM 084670702   12,683,743 41,061 SH   SOLE   40,511 0 550
Blackrock Inc COM 09247X101   4,690,422 6,619 SH   SOLE   6,619 0 0
Blackrock Short Maturity Bond ETF 46431W507   1,830,627 37,155 SH   SOLE   35,955 0 1,200
Blackstone Inc COM 09260D107   225,538 3,040 SH   SOLE   3,040 0 0
Boeing Co COM 097023105   1,198,754 6,293 SH   SOLE   6,293 0 0
Booking Holdings Inc COM 09857L108   253,925 126 SH   SOLE   126 0 0
Boyd Gaming Corporation COM 103304101   253,565 4,650 SH   SOLE   4,650 0 0
Bridgebio Pharma Inc. COM 10806x102   331,470 43,500 SH   SOLE   43,500 0 0
Bristol-Myers Squibb Co COM 110122108   2,123,508 29,514 SH   SOLE   29,514 0 0
Broadcom Ltd COM 11135F101   1,303,587 2,331 SH   SOLE   2,331 0 0
Caribou Biosciences Inc COM 142038108   81,031 12,903 SH   SOLE   12,903 0 0
Caterpillar Incorporated COM 149123101   971,051 4,053 SH   SOLE   4,053 0 0
CBD of Denver Inc COM 12482B107   295 295,100 SH   SOLE   295,100 0 0
Chevron Corporation COM 166764100   3,858,178 21,495 SH   SOLE   21,495 0 0
Chubb Ltd COM H1467J104   368,402 1,670 SH   SOLE   1,670 0 0
Cigna Corp COM 125523100   250,824 757 SH   SOLE   757 0 0
CIM Opportunity Zone Fund LP COM 13599Y105   151,508 150,000 SH   SOLE   150,000 0 0
Cisco Systems COM 17275R102   3,714,764 77,976 SH   SOLE   77,976 0 0
Citigroup Inc COM 172967424   964,665 21,328 SH   SOLE   21,328 0 0
Clarion Ventures Opp Zone Fd COM 1BZ993102   150,000 150,000 SH   SOLE   150,000 0 0
Clorox Co COM 189054109   739,436 5,269 SH   SOLE   5,269 0 0
Coca-Cola Co COM 191216100   4,046,895 63,620 SH   SOLE   62,820 0 800
Colgate-Palmolive COM 194162103   953,044 12,096 SH   SOLE   12,096 0 0
Comcast Corp Cl A COM 20030N101   816,653 23,353 SH   SOLE   23,353 0 0
ConocoPhillips COM 20825C104   622,869 5,279 SH   SOLE   5,179 0 100
Consolidated Edison COM 209115104   293,841 3,083 SH   SOLE   3,083 0 0
Constellation Brands Inc - A COM 21036P108   223,639 965 SH   SOLE   965 0 0
Cormedix Inc COM 21900C308   42,200 10,000 SH   SOLE   10,000 0 0
Costco Wholesale Corp COM 22160K105   2,061,515 4,516 SH   SOLE   4,516 0 0
CSX Corp COM 126408103   1,624,498 52,437 SH   SOLE   52,437 0 0
Cummins Inc COM 231021106   1,228,653 5,071 SH   SOLE   5,071 0 0
CVS Health Corp COM 126650100   389,627 4,181 SH   SOLE   4,181 0 0
Danaher Corp COM 235851102   661,957 2,494 SH   SOLE   2,494 0 0
Deere & Co COM 244199105   896,537 2,091 SH   SOLE   2,091 0 0
Diageo Plc-Sponsored Adr ADR 25243Q205   2,205,795 12,379 SH   SOLE   11,879 0 500
Dominion Energy Inc COM 25746U109   664,529 10,837 SH   SOLE   10,837 0 0
Drone Guarder Inc COM 26211L103   6 12,070 SH   SOLE   12,070 0 0
Duke Energy Corp COM 26441C204   526,794 5,115 SH   SOLE   5,115 0 0
Eaton Corp PLC COM G29183103   597,195 3,805 SH   SOLE   3,805 0 0
Edgio Inc COM 53261M104   19,871 17,585 SH   SOLE   17,585 0 0
Elanco Animal Health Inc COM 28414H103   134,237 10,985 SH   SOLE   10,985 0 0
Elevance Health Inc COM 036752103   771,507 1,504 SH   SOLE   1,504 0 0
Eli Lilly & Co COM 532457108   1,262,148 3,450 SH   SOLE   3,450 0 0
Emerson Elec Co COM 291011104   951,709 9,907 SH   SOLE   9,907 0 0
Energy Select Sector SPDR Fund ETF 81369Y506   582,988 6,665 SH   SOLE   6,665 0 0
Enterprise Prods Partners Mast COM 293792107   256,902 10,651 SH   SOLE   10,651 0 0
EOG Resources Inc COM 26875P101   230,675 1,781 SH   SOLE   1,781 0 0
Exxon Mobil Corp COM 30231G102   2,687,112 24,362 SH   SOLE   24,112 0 250
Fedex Corp COM 31428X106   619,883 3,579 SH   SOLE   3,579 0 0
First Trust DJ Internet ETF 33733e302   2,816,133 22,868 SH   SOLE   22,868 0 0
First Trust Ise Cloud Computin ETF 33734X192   271,113 4,706 SH   SOLE   4,706 0 0
First Trust NASDAQ Cybersecuri ETF 33734x846   3,279,710 84,725 SH   SOLE   84,725 0 0
First Trust NASDAQ Rising Divi ETF 33738r506   3,074,004 69,991 SH   SOLE   68,466 0 1,525
First Trust NASDAQ Tech Div In ETF 33738r118   334,460 7,000 SH   SOLE   7,000 0 0
First Trust New Opp MLP & Ener COM 33739M100   113,682 18,790 SH   SOLE   18,790 0 0
First Trust Senior Loan ETF ETF 33738d309   435,867 9,775 SH   SOLE   9,775 0 0
Flexshares Global Upstream Nat ETF 33939L407   2,751,216 63,290 SH   SOLE   63,290 0 0
FlexShares iBoxx 3 Yr Target D ETF 33939l506   5,415,409 230,247 SH   SOLE   229,732 0 515
Ford Motor Co COM 345370860   130,710 11,239 SH   SOLE   11,239 0 0
Fuse Cobalt Inc COM 36116V106   1,125 25,000 SH   SOLE   25,000 0 0
General Dynamics Corp COM 369550108   409,898 1,652 SH   SOLE   1,652 0 0
General Electric COM 369604301   309,353 3,692 SH   SOLE   3,692 0 0
General Mills COM 370334104   2,605,429 31,073 SH   SOLE   31,073 0 0
General Motors COM 37045V100   357,122 10,616 SH   SOLE   10,616 0 0
Gilead Sciences Inc COM 375558103   1,494,595 17,409 SH   SOLE   17,409 0 0
Global Security & Intellige COM 379369101   0 10,000 SH   SOLE   10,000 0 0
Global X Robotics & Artificial ETF 37954y715   546,753 26,606 SH   SOLE   26,606 0 0
Goldman Sachs Group Inc COM 38141G104   1,320,569 3,846 SH   SOLE   3,846 0 0
Graham Holdings Co-Class B COM 384637104   321,440 532 SH   SOLE   532 0 0
Health Care Select Sector SP ETF 81369Y209   367,746 2,707 SH   SOLE   2,707 0 0
Hemp Inc COM 423703206   0 25,000 SH   SOLE   0 0 25,000
Hess Corp COM 42809h107   286,902 2,023 SH   SOLE   2,023 0 0
Home Depot Inc COM 437076102   4,788,681 15,161 SH   SOLE   15,161 0 0
Honeywell International COM 438516106   996,596 4,650 SH   SOLE   4,650 0 0
Humana Inc Com COM 444859102   273,509 534 SH   SOLE   534 0 0
iCapital Multi-Strategy Fd LP COM 0DU991025   145,028 142,139 SH   SOLE   142,139 0 0
Icon Plc COM G4705A100   203,186 1,046 SH   SOLE   1,046 0 0
Illinois Tool Works Inc COM 452308109   4,599,864 20,880 SH   SOLE   20,880 0 0
Intel Corp COM 458140100   1,588,056 60,085 SH   SOLE   60,085 0 0
International Business Machine COM 459200101   1,737,174 12,330 SH   SOLE   12,330 0 0
Intl Meta Sys COM 45986B108   0 37,000 SH   SOLE   37,000 0 0
Intuit Inc COM 461202103   365,478 939 SH   SOLE   939 0 0
Intuitive Surgical Inc COM 46120e602   330,095 1,244 SH   SOLE   1,244 0 0
Invesco QQQ Trust Series I ETF 46090E103   12,013,810 45,117 SH   SOLE   44,980 0 137
Invesco S&P 500 Equal Weight P ETF 46137V357   7,419,950 52,531 SH   SOLE   52,336 0 195
Invesco Variable Rate Preferre ETF 46138g870   564,967 25,233 SH   SOLE   25,233 0 0
IQ Merger Arbitrage ETF 45409B800   1,378,827 43,455 SH   SOLE   43,455 0 0
Iridium Communications COM 46269C102   205,600 4,000 SH   SOLE   4,000 0 0
iShares 1-5 Year Inv Gr Corpor ETF 464288646   460,088 9,235 SH   SOLE   9,235 0 0
iShares Barclays 3-7 Yr Treasu ETF 464288661   3,568,828 31,063 SH   SOLE   31,038 0 25
iShares Barclays Aggregate Bon ETF 464287226   227,830 2,349 SH   SOLE   2,349 0 0
iShares COMEX Gold Trust ETF 464285204   298,858 8,640 SH   SOLE   8,640 0 0
iShares Core Dividend Growth E ETF 46434V621   769,218 15,384 SH   SOLE   15,384 0 0
iShares Core MSCI Emerging Mar ETF 46434G103   823,321 17,630 SH   SOLE   17,630 0 0
iShares Core MSCI Total Intl S ETF 46432f834   1,136,127 19,629 SH   SOLE   19,629 0 0
iShares Core S&P 500 Index Fun ETF 464287200   11,766,098 30,624 SH   SOLE   30,376 0 248
iShares Core S&P S/C ETF ETF 464287804   16,401,600 173,305 SH   SOLE   173,240 0 65
IShares Edge MSCI Intl Quality ETF 46434v456   265,890 8,209 SH   SOLE   8,209 0 0
iShares Edge MSCI USA Momentum ETF 46432f396   443,919 3,042 SH   SOLE   3,009 0 33
iShares ESG MSCI USA Small-Cap ETF 46435U663   200,075 6,085 SH   SOLE   6,085 0 0
iShares Floating Rate Bond ETF ETF 46429B655   723,443 14,374 SH   SOLE   14,374 0 0
iShares GSCI Commodity Indexed ETF 46428r107   1,433,025 67,500 SH   SOLE   67,500 0 0
IShares High Dividend Eq Fd ETF 46429b663   1,124,645 10,789 SH   SOLE   10,789 0 0
iShares Lehman 7-10 Year Bond ETF 464287440   209,088 2,183 SH   SOLE   2,156 0 27
iShares MSCI ACWI ex US ETF ETF 464288240   530,758 11,665 SH   SOLE   11,665 0 0
iShares MSCI ACWI Index Fund ETF 464288257   684,472 8,064 SH   SOLE   8,064 0 0
iShares MSCI EAFE Small Cap In ETF 464288273   5,427,055 96,088 SH   SOLE   96,088 0 0
iShares MSCI USA ESG Select ETF 464288802   215,267 2,615 SH   SOLE   2,615 0 0
iShares MSCI USA Quality ETF 46432F339   23,506,472 206,270 SH   SOLE   205,260 0 1,010
iShares Nasdaq Biotechnology I ETF 464287556   239,998 1,828 SH   SOLE   1,828 0 0
iShares Preferred & Inc Securi ETF 464288687   292,630 9,585 SH   SOLE   9,585 0 0
iShares Russell 1000 Growth In ETF 464287614   398,665 1,861 SH   SOLE   1,861 0 0
iShares Russell 1000 Value Ind ETF 464287598   636,930 4,200 SH   SOLE   4,200 0 0
iShares Russell Midcap Growth ETF 464287481   264,388 3,163 SH   SOLE   3,163 0 0
iShares S&P Glbl Energy Sect ETF 464287341   420,546 10,786 SH   SOLE   10,786 0 0
iShares S&P National AMT Free ETF 464288414   301,365 2,856 SH   SOLE   2,856 0 0
iShares S&P Smallcap 600 Growt ETF 464287887   351,988 3,257 SH   SOLE   3,257 0 0
iShares S&P Smallcap 600 Value ETF 464287879   1,650,063 18,071 SH   SOLE   18,071 0 0
iShares Tr DJ Sel Div Inx ETF 464287168   597,573 4,955 SH   SOLE   4,955 0 0
iShares Tr Russell 2000 ETF 464287655   8,665,957 49,702 SH   SOLE   49,702 0 0
Ishares Tr Russell Midcap ETF 464287499   618,786 9,174 SH   SOLE   9,174 0 0
iShares Tr S&P 100 Index Fd ETF 464287101   366,214 2,147 SH   SOLE   2,097 0 50
iShares Tr S&P Midcap 400 ETF 464287507   11,082,561 45,817 SH   SOLE   45,817 0 0
iShares Ultra Short-Term Bond ETF 46434v878   250,200 5,000 SH   SOLE   5,000 0 0
Johnson & Johnson COM 478160104   16,497,841 93,393 SH   SOLE   92,743 0 650
Johnson Controls International COM G51502105   223,040 3,485 SH   SOLE   3,485 0 0
JP Morgan Ultra-Short Income E ETF 46641Q837   405,050 8,080 SH   SOLE   8,080 0 0
JPMorgan Chase & Co COM 46625H100   5,646,189 42,104 SH   SOLE   41,604 0 500
JPMorgan Diversified Return US ETF 46641Q845   446,672 11,530 SH   SOLE   11,530 0 0
JPMorgan Equity Premium ETF ETF 46641Q332   17,003,169 312,042 SH   SOLE   311,957 0 85
Kimberly-Clark COM 494368103   211,091 1,555 SH   SOLE   1,555 0 0
KLA Corp COM 482480100   904,495 2,399 SH   SOLE   2,399 0 0
Lam Research COM 512807108   412,314 981 SH   SOLE   981 0 0
Lexicon Pharmaceuticals Inc COM 528872302   19,902 10,420 SH   SOLE   10,420 0 0
Linde PLC COM g5494j103   678,781 2,081 SH   SOLE   2,081 0 0
Lockheed Martin Corporation COM 539830109   3,496,404 7,187 SH   SOLE   7,187 0 0
Lowe's Companies Inc COM 548661107   1,378,342 6,918 SH   SOLE   6,918 0 0
Lumentum Holdings Inc COM 55024u109   309,107 5,925 SH   SOLE   5,925 0 0
Lvmh Moet Hennessy-Unsp Adr ADR 502441306   251,060 1,733 SH   SOLE   1,733 0 0
LyondellBasell Indus NV COM N53745100   627,541 7,558 SH   SOLE   7,558 0 0
Madison Square Garden Sports C COM 55825T103   662,371 3,613 SH   SOLE   938 0 2,675
Marathon Petroleum Corp COM 56585A102   578,575 4,971 SH   SOLE   4,971 0 0
Marsh & Mclennan COM 571748102   750,011 4,532 SH   SOLE   4,532 0 0
Mastercard Inc Class A COM 57636q104   5,674,305 16,318 SH   SOLE   16,318 0 0
Mazda Motor - Unsp ADR ADR 578787103   37,600 10,000 SH   SOLE   10,000 0 0
McDonald's Corp COM 580135101   5,006,317 18,997 SH   SOLE   18,997 0 0
McKesson Corp COM 58155Q103   402,129 1,072 SH   SOLE   1,072 0 0
Medtronic PLC COM G5960L103   592,236 7,620 SH   SOLE   7,620 0 0
Merck & Co COM 58933Y105   6,359,779 57,321 SH   SOLE   57,321 0 0
Meta Platforms Inc - A COM 30303M102   1,438,304 11,952 SH   SOLE   11,952 0 0
Metlife Inc COM 59156R108   238,676 3,298 SH   SOLE   3,298 0 0
Microsoft Corp COM 594918104   20,526,999 85,593 SH   SOLE   84,893 0 700
Mondelez International Inc COM 609207105   585,787 8,789 SH   SOLE   8,789 0 0
Monster Beverage Corp COM 61174x109   215,041 2,118 SH   SOLE   2,118 0 0
Morgan Stanley COM 617446448   4,397,149 51,719 SH   SOLE   51,499 0 220
Nestle Sa-Spons Adr ADR 641069406   4,501,836 39,031 SH   SOLE   38,431 0 600
Netflix Inc COM 64110L106   1,170,379 3,969 SH   SOLE   3,969 0 0
New Jersey Resource Corp COM 646025106   1,137,028 22,915 SH   SOLE   22,915 0 0
Nextera Energy Inc COM 65339F101   1,858,177 22,227 SH   SOLE   22,227 0 0
Nike Inc - B COM 654106103   775,893 6,631 SH   SOLE   6,631 0 0
Norfolk Southern COM 655844108   862,224 3,499 SH   SOLE   3,499 0 0
Northrop Grumman COM 666807102   284,263 521 SH   SOLE   521 0 0
NorthStar HealthCare Income COM 66799d107   73,250 25,000 SH   SOLE   25,000 0 0
Novartis AG - ADR ADR 66987V109   444,709 4,902 SH   SOLE   4,402 0 500
NVIDIA Corp COM 67066G104   2,748,005 18,804 SH   SOLE   18,804 0 0
Occidental Pete Corp COM 674599105   203,169 3,225 SH   SOLE   3,225 0 0
OGE Energy Corp COM 670837103   286,137 7,235 SH   SOLE   7,235 0 0
OneSpaWorld Holdings Ltd COM P73684113   106,175 11,380 SH   SOLE   11,380 0 0
Oracle Corp COM 68389X105   884,590 10,822 SH   SOLE   10,822 0 0
O'Reilly Automotive Inc COM 67103H107   267,558 317 SH   SOLE   317 0 0
Otis Worldwide Corp COM 68902V107   264,140 3,373 SH   SOLE   3,373 0 0
Paramount Global COM 92556H206   250,010 14,811 SH   SOLE   14,811 0 0
Paychex COM 704326107   1,567,121 13,561 SH   SOLE   13,061 0 500
Pepsico Inc COM 713448108   5,549,117 30,716 SH   SOLE   30,716 0 0
Pfizer Inc COM 717081103   6,171,990 120,453 SH   SOLE   120,353 0 100
Philip Morris Intl COM 718172109   593,900 5,868 SH   SOLE   5,868 0 0
Phillips 66 COM 718546104   411,324 3,952 SH   SOLE   3,902 0 50
PIMCO Total Return ETF ETF 72201R775   496,464 5,487 SH   SOLE   5,487 0 0
Plug Power Inc COM 72919P202   133,534 10,795 SH   SOLE   10,795 0 0
PNC Fincl Services Group COM 693475105   2,287,168 14,481 SH   SOLE   14,481 0 0
PPL Corp COM 69351T106   437,616 14,977 SH   SOLE   14,977 0 0
Procter & Gamble COM 742718109   8,301,846 54,776 SH   SOLE   54,357 0 419
Progressive Corp COM 743315103   259,679 2,002 SH   SOLE   2,002 0 0
Prologis Inc COM 74340W103   241,919 2,146 SH   SOLE   2,146 0 0
Public Service Enterprise Grp COM 744573106   404,443 6,601 SH   SOLE   6,601 0 0
Qorvo Inc COM 74736k101   285,425 3,149 SH   SOLE   3,149 0 0
Qualcomm Inc COM 747525103   638,532 5,808 SH   SOLE   5,808 0 0
Raymond James Financial Inc COM 754730109   309,544 2,897 SH   SOLE   2,897 0 0
Raytheon Tech Corp COM 75513e101   3,619,693 35,867 SH   SOLE   35,867 0 0
Regeneron Pharmaceuticals COM 75886F107   474,740 658 SH   SOLE   658 0 0
Robo Global Robotics & Automat ETF 301505707   680,819 14,695 SH   SOLE   14,695 0 0
Rockwell Automation Inc COM 773903109   266,585 1,035 SH   SOLE   1,035 0 0
S & P Global Inc COM 78409v104   390,205 1,165 SH   SOLE   1,165 0 0
Schlumberger Ltd COM 806857108   242,334 4,533 SH   SOLE   4,533 0 0
Schwab US Broad Martket ETF ETF 808524102   486,663 10,861 SH   SOLE   10,861 0 0
Schwab US DVD equity ETF ETF 808524797   21,985,755 291,048 SH   SOLE   290,208 0 840
Schwab US Mid Cap ETF ETF 808524508   2,071,892 31,579 SH   SOLE   31,579 0 0
Schwab US Small-Cap ETF ETF 808524607   1,059,998 26,166 SH   SOLE   26,166 0 0
SeaGen Inc COM 81181C104   456,853 3,555 SH   SOLE   3,555 0 0
Select Sector SPDR AMEX Consumer St ETF 81369Y308   257,719 3,457 SH   SOLE   3,457 0 0
Select Sector SPDR AMEX Industrial ETF 81369Y704   390,990 3,981 SH   SOLE   3,981 0 0
Select Sector SPDR AMEX Tech Select ETF 81369Y803   758,216 6,093 SH   SOLE   6,093 0 0
Servicenow Inc COM 81762P102   248,493 640 SH   SOLE   640 0 0
SJW Corp COM 784305104   243,570 3,000 SH   SOLE   3,000 0 0
Southern Co COM 842587107   328,343 4,598 SH   SOLE   4,598 0 0
SPDR Bloomberg Conv Secs ETF ETF 78464a359   201,384 3,130 SH   SOLE   3,130 0 0
SPDR Doubleline Total Return T ETF 78467V848   2,242,213 55,999 SH   SOLE   54,579 0 1,420
SPDR Dow Jones Indl Avrg ETF ETF 78467X109   6,305,210 19,030 SH   SOLE   19,030 0 0
SPDR Gold Trust ETF 78463V107   450,564 2,656 SH   SOLE   2,656 0 0
SPDR S & P Mid-Cap 400 ETF Tr ETF 78467Y107   5,099,283 11,516 SH   SOLE   11,516 0 0
SPDR S&P 500 ETF Tr ETF 78462F103   18,833,359 49,247 SH   SOLE   48,587 0 660
Spdr S&P Dividend Etf ETF 78464A763   403,732 3,227 SH   SOLE   3,227 0 0
Starbucks Corp COM 855244109   4,789,971 48,286 SH   SOLE   48,286 0 0
Stryker Corp COM 863667101   315,392 1,290 SH   SOLE   1,240 0 50
Sysco Corp COM 871829107   488,286 6,387 SH   SOLE   6,387 0 0
T Rowe Price Group Inc COM 74144T108   684,788 6,279 SH   SOLE   6,279 0 0
Take-Two Interactive Software COM 874054109   401,942 3,860 SH   SOLE   3,860 0 0
Target Corp COM 87612E106   785,441 5,270 SH   SOLE   5,270 0 0
Tesla Inc COM 88160r101   1,412,505 11,467 SH   SOLE   11,467 0 0
Texas Instruments Inc COM 882508104   793,552 4,803 SH   SOLE   4,803 0 0
The Charles Schwab COM 808513105   1,643,219 19,736 SH   SOLE   19,736 0 0
The Hershey Company COM 427866108   332,303 1,435 SH   SOLE   1,435 0 0
Thermo Fisher Scientific Inc COM 883556102   715,897 1,300 SH   SOLE   1,300 0 0
TJX Companies Inc COM 872540109   545,897 6,858 SH   SOLE   6,858 0 0
T-Mobile US Inc COM 872590104   236,040 1,686 SH   SOLE   1,686 0 0
Travelers Companies Inc COM 89417E109   567,157 3,025 SH   SOLE   3,025 0 0
Truist Financial Corp COM 89832q109   298,843 6,945 SH   SOLE   6,945 0 0
Unilever Plc-ADR ADR 904767704   237,199 4,711 SH   SOLE   4,711 0 0
Union Pac Corp COM 907818108   566,336 2,735 SH   SOLE   2,735 0 0
United Parcel Service -Cl B COM 911312106   3,313,738 19,062 SH   SOLE   19,062 0 0
Unitedhealth Group Inc COM 91324P102   4,259,466 8,034 SH   SOLE   8,034 0 0
US Bancorp New COM 902973304   241,687 5,542 SH   SOLE   5,542 0 0
Valero Energy Corp New COM 91913Y100   1,377,446 10,858 SH   SOLE   10,858 0 0
Valley National Bancorp COM 919794107   145,922 12,902 SH   SOLE   12,902 0 0
Vanguard Bd Index Fd Tot Mkt ETF 921937835   3,646,776 50,762 SH   SOLE   49,562 0 1,200
Vanguard Dividend Appreciation ETF 921908844   755,585 4,976 SH   SOLE   4,976 0 0
Vanguard Energy ETF ETF 92204A306   278,944 2,300 SH   SOLE   2,300 0 0
Vanguard ESG International Sto ETF 921910725   358,349 7,285 SH   SOLE   7,285 0 0
Vanguard ESG US ETF ETF 921910733   236,108 3,585 SH   SOLE   3,585 0 0
Vanguard Extended Market ETF ETF 922908652   1,062,880 8,000 SH   SOLE   8,000 0 0
Vanguard FTSE ALL WO X-US SC ETF 922042718   925,290 9,000 SH   SOLE   9,000 0 0
Vanguard FTSE All World Ex US ETF 922042775   12,837,525 256,034 SH   SOLE   254,354 0 1,680
Vanguard FTSE Developed Market ETF 921943858   14,235,720 339,188 SH   SOLE   339,188 0 0
Vanguard FTSE Emerging Markets ETF 922042858   4,006,247 102,777 SH   SOLE   102,777 0 0
Vanguard FTSE Europe ETF ETF 922042874   334,743 6,038 SH   SOLE   6,038 0 0
Vanguard Health Care ETF ETF 92204A504   214,315 864 SH   SOLE   864 0 0
Vanguard High Div Yield ETF ETF 921946406   26,312,234 243,159 SH   SOLE   242,584 0 575
Vanguard Interm-Term Govt Bd ETF 92206C706   1,909,664 32,655 SH   SOLE   32,655 0 0
Vanguard Intl Hi Div Yield Ind ETF 921946794   903,081 15,160 SH   SOLE   15,160 0 0
Vanguard Large Cap ETF ETF 922908637   3,793,728 21,778 SH   SOLE   21,778 0 0
Vanguard Mid-Cap ETF ETF 922908629   1,557,010 7,640 SH   SOLE   7,640 0 0
Vanguard REIT ETF ETF 922908553   749,413 9,086 SH   SOLE   9,086 0 0
Vanguard S&P 500 ETF ETF 922908363   7,633,213 21,726 SH   SOLE   21,726 0 0
Vanguard S&P 500 Growth ETF ETF 921932505   632,820 3,000 SH   SOLE   3,000 0 0
Vanguard Short Term Corp Bond ETF 92206C409   1,681,740 22,367 SH   SOLE   21,367 0 1,000
Vanguard Small-Cap ETF ETF 922908751   19,412,587 105,768 SH   SOLE   105,501 0 267
Vanguard Tax Exempt Bond ETF ETF 922907746   1,315,543 26,582 SH   SOLE   26,582 0 0
Vanguard Total Intl Stock Inde ETF 921909768   2,855,215 55,205 SH   SOLE   55,205 0 0
Vanguard Total World Stock ETF ETF 922042742   1,568,399 18,197 SH   SOLE   18,197 0 0
Vanguard US Total Stock Market ETF 922908769   14,315,250 74,874 SH   SOLE   74,524 0 350
Verizon Communications COM 92343V104   2,994,087 75,992 SH   SOLE   75,992 0 0
Visa Inc Class A Shares COM 92826C839   2,174,208 10,465 SH   SOLE   10,465 0 0
Wal Mart Stores Inc COM 931142103   6,318,812 44,565 SH   SOLE   44,265 0 300
Walgreens Boots Alliance Inc COM 931427108   210,598 5,637 SH   SOLE   5,637 0 0
Walt Disney Co COM 254687106   4,282,382 49,291 SH   SOLE   48,591 0 700
Waste Management Inc COM 94106L109   659,680 4,205 SH   SOLE   3,555 0 650
Waters Corp COM 941848103   596,432 1,741 SH   SOLE   1,741 0 0
Wells Fargo Company COM 949746101   371,689 9,002 SH   SOLE   9,002 0 0
Welltower Inc COM 95040q104   1,754,118 26,760 SH   SOLE   26,760 0 0
WisdomTree Bloomberg Fl Rate T ETF 97717y527   301,369 5,995 SH   SOLE   5,995 0 0
Wisdomtree MidCap Dividend Fun ETF 97717W505   1,290,809 31,376 SH   SOLE   31,376 0 0
Wisdomtree SmallCap Dividend F ETF 97717W604   646,384 22,728 SH   SOLE   22,728 0 0
Zoetis Inc COM 98978V103   376,340 2,568 SH   SOLE   2,568 0 0