ABBVIE INC COM 00287Y109 526385 2012 SH SOLE 0 0 2012 ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 221102 2056 SH SOLE 0 0 2056 ALPHABET INC CAP STK CL A 02079K305 7047421 20482 SH SOLE 0 0 20482 ALPHABET INC CAP STK CL C 02079K107 605645 1777 SH SOLE 0 0 1777 ALTRIA GROUP INC COM 02209S103 409942 6088 SH SOLE 0 0 6088 AMAZON COM INC COM 023135106 1694967 6803 SH SOLE 0 0 6803 APPLE INC COM 037833100 3688151 11075 SH SOLE 0 0 11075 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1959931 3936 SH SOLE 0 0 3936 BLACKROCK ETF TRUST II ISHA FLEX IN ETF 092528603 2009687 39569 SH SOLE 0 0 39569 BROADCOM INC COM 11135F101 818014 2329 SH SOLE 0 0 2329 CAPITOL SER TR FAIR TA SECT ETF 14064D550 205819 6561 SH SOLE 0 0 6561 CITIGROUP INC COM NEW 172967424 586096 4527 SH SOLE 0 0 4527 CITIZENS FINL GROUP INC COM 174610105 967877 15180 SH SOLE 0 0 15180 COCA COLA CO COM 191216100 200948 2334 SH SOLE 0 0 2334 COSTCO WHOLESALE CORPORATION COM 22160K105 375659 413 SH SOLE 0 0 413 DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 488161 8739 SH SOLE 0 0 8739 ELI LILLY & CO COM 532457108 1773775 1533 SH SOLE 0 0 1533 GLOBAL X FDS GLOBAL X COPPER 37954Y830 322368 3806 SH SOLE 0 0 3806 GMO ETF TRUST US QUALITY ETF 90139K100 847510 19797 SH SOLE 0 0 19797 GOLDMAN SACHS GROUP INC COM 38141G104 1440576 1600 SH SOLE 0 0 1600 HARBOR ETF TRUST LONG TERM GROWER 41151J406 659955 19235 SH SOLE 0 0 19235 HARTFORD INSURANCE GROUP INC COM 416515104 331351 2708 SH SOLE 0 0 2708 HOME DEPOT INC COM 437076102 432425 1520 SH SOLE 0 0 1520 INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326 241428 4982 SH SOLE 0 0 4982 INNOVATOR ETFS TRUST EQUITY DEFND 1YR 45784N643 270978 9772 SH SOLE 0 0 9772 INNOVATOR ETFS TRUST EQUITY DEFIN 1YR 45784N700 223779 7958 SH SOLE 0 0 7958 INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433 335152 6200 SH SOLE 0 0 6200 INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 305415 7108 SH SOLE 0 0 7108 INNOVATOR ETFS TRUST EQUI DEFI SEPT 45784N106 234631 8428 SH SOLE 0 0 8428 INVESCO DB MULTI-SECTOR COMM AGRICULTURE FD 46140H106 342190 12160 SH SOLE 0 0 12160 INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1709924 8220 SH SOLE 0 0 8220 INVESCO QQQ TR UNIT SER 1 46090E103 677629 916 SH SOLE 0 0 916 ISHARES SILVER TR ISHARES 46428Q109 608179 11157 SH SOLE 0 0 11157 ISHARES TR CORE S&P500 ETF 464287200 94635081 123569 SH SOLE 0 0 123569 ISHARES TR GLOBAL 100 ETF 464287572 19108687 132690 SH SOLE 0 0 132690 ISHARES TR MSCI USA QLT FCT 46432F339 339805 1529 SH SOLE 0 0 1529 ISHARES TR RUS 1000 GRW ETF 464287614 62279523 497202 SH SOLE 0 0 497202 ISHARES TR S&P 500 GRWT ETF 464287309 846732 5952 SH SOLE 0 0 5952 ISHARES TR US AER DEF ETF 464288760 6268589 30257 SH SOLE 0 0 30257 ISHARES TR RUS TP200 GR ETF 464289438 13702993 46465 SH SOLE 0 0 46465 ISHARES TR CORE DIV GRWTH 46434V621 1511494 20049 SH SOLE 0 0 20049 ISHARES TR INTL SEL DIV ETF 464288448 2345974 55605 SH SOLE 0 0 55605 ISHARES TR COPPER & METALS 46436E189 233610 4390 SH SOLE 0 0 4390 ISHARES TR RUSSELL 2000 ETF 464287655 662999 2386 SH SOLE 0 0 2386 ISHARES TR RUS 1000 VAL ETF 464287598 254478 1026 SH SOLE 0 0 1026 J P MORGAN EXCHANGE TRADED F SMALL & MID CAP 46641Q118 230644 3135 SH SOLE 0 0 3135 J P MORGAN EXCHANGE TRADED F FLEXI DEBT ETF 46654Q559 1291068 26429 SH SOLE 0 0 26429 JOHNSON & JOHNSON COM 478160104 235267 889 SH SOLE 0 0 889 JPMORGAN CHASE & CO COM 46625H100 1222272 3695 SH SOLE 0 0 3695 KEARNY FINL CORP MD COM 48716P108 126445 13804 SH SOLE 0 0 13804 M & T BK CORP COM 55261F104 1209203 5557 SH SOLE 0 0 5557 MERCK & CO INC COM 58933Y105 324389 2232 SH SOLE 0 0 2232 META PLATFORMS INC CL A 30303M102 1328322 1832 SH SOLE 0 0 1832 MICRON TECHNOLOGY INC COM 595112103 1339829 1258 SH SOLE 0 0 1258 MICROSOFT CORP COM 594918104 8176102 15941 SH SOLE 0 0 15941 MONDELEZ INTL INC CL A 609207105 350253 6058 SH SOLE 0 0 6058 MOTOROLA SOLUTIONS INC COM NEW 620076307 380412 853 SH SOLE 0 0 853 NETFLIX INC. COM 64110L106 1224221 17594 SH SOLE 0 0 17594 NVIDIA CORPORATION COM 67066G104 8679993 38007 SH SOLE 0 0 38007 PALO ALTO NETWORKS INC COM 697435105 3160998 7956 SH SOLE 0 0 7956 PENSKE AUTOMOTIVE GRP INC COM 70959W103 1446764 7222 SH SOLE 0 0 7222 PHILIP MORRIS INTL INC COM 718172109 3084876 16166 SH SOLE 0 0 16166 PHILLIPS 66 COM 718546104 313521 1228 SH SOLE 0 0 1228 PIMCO ETF TR MULTISECTOR BD 72201R585 1585629 62451 SH SOLE 0 0 62451 PROCTER & GAMBLE CO COM 742718109 286383 1971 SH SOLE 0 0 1971 PROVIDENT FINL SVCS INC COM 74386T105 221500 10000 SH SOLE 0 0 10000 QUALCOMM INC COM 747525103 349880 1901 SH SOLE 0 0 1901 RBB FUND TRUST FIRS EAGL OV ETF 75526L878 1470973 27357 SH SOLE 0 0 27357 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 345690 11523 SH SOLE 0 0 11523 SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 1346641 25218 SH SOLE 0 0 25218 SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 248166 1268 SH SOLE 0 0 1268 SIMPLIFY EXCHANGE TRADED FUN COMM ST NO K ETF 82889N566 348386 10344 SH SOLE 0 0 10344 SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 690637 4578 SH SOLE 0 0 4578 SPDR GOLD TR GOLD SHS 78463V107 2939044 7717 SH SOLE 0 0 7717 SPDR SERIES TRUST ST STR SP600 SML 78468R853 2355653 44564 SH SOLE 0 0 44564 SPDR SERIES TRUST ST STR P500ETF 78464A854 5062532 56401 SH SOLE 0 0 56401 SPDR SERIES TRUST ST STR P500VAL 78464A508 563802 9223 SH SOLE 0 0 9223 SPDR SERIES TRUST ST STR SP REGBNK 78464A698 252762 3640 SH SOLE 0 0 3640 SPINNAKER ETF SERIES SELE STO EUR ETF 84858T772 1296897 30960 SH SOLE 0 0 30960 SPOTIFY TECHNOLOGY S A SHS L8681T102 253925 521 SH SOLE 0 0 521 SPROTT FDS TR ACTI GOL SIL ETF 85208P865 256298 5484 SH SOLE 0 0 5484 SSGA ACTIVE TR SST BRIDGEWATER 78470P630 432207 15128 SH SOLE 0 0 15128 STATE STR SPDR DOW JONES IND UT SER 1 78467X109 516178 1015 SH SOLE 0 0 1015 STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 749665 983 SH SOLE 0 0 983 T ROWE PRICE EXCHANGE-TRADED CAP APP PREM ETF 87283Q784 434987 19917 SH SOLE 0 0 19917 T ROWE PRICE EXCHANGE-TRADED US EQUI RESH ETF 87283Q503 314655 6520 SH SOLE 0 0 6520 T ROWE PRICE EXCHANGE-TRADED TECHNOLOGY ETF 87283Q792 637536 14346 SH SOLE 0 0 14346 THERMO FISHER SCIENTIFIC INC COM 883556102 346976 514 SH SOLE 0 0 514 TJX COS INC NEW COM 872540109 814765 6158 SH SOLE 0 0 6158 UNITEDHEALTH GROUP INC COM 91324P102 4026531 10969 SH SOLE 0 0 10969 VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 6604605 10845 SH SOLE 0 0 10845 VANECK ETF TRUST REAL ASSETS ETF 92189F130 203890 5119 SH SOLE 0 0 5119 VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1195084 5424 SH SOLE 0 0 5424 VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 961115 11244 SH SOLE 0 0 11244 VANGUARD INDEX FDS EXTEND MKT ETF 922908652 974817 4209 SH SOLE 0 0 4209 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4146749 5917 SH SOLE 0 0 5917 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 508813 5677 SH SOLE 0 0 5677 VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 511586 1367 SH SOLE 0 0 1367 VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 973439 7550 SH SOLE 0 0 7550 VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 221271 3905 SH SOLE 0 0 3905 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1494252 6405 SH SOLE 0 0 6405 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1013395 14352 SH SOLE 0 0 14352 VANGUARD WORLD FD ENERGY ETF 92204A306 405265 2354 SH SOLE 0 0 2354 VANGUARD WORLD FD HEALTH CAR ETF 92204A504 2320934 7343 SH SOLE 0 0 7343 VANGUARD WORLD FD CONSUM STP ETF 92204A207 1297408 5946 SH SOLE 0 0 5946 VANGUARD WORLD FD INF TECH ETF 92204A702 439471 3497 SH SOLE 0 0 3497 VANGUARD WORLD FD UTILITIES ETF 92204A876 1057894 6187 SH SOLE 0 0 6187 VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 507365 1583 SH SOLE 0 0 1583 VANGUARD WORLD FD FINANCIALS ETF 92204A405 381517 2933 SH SOLE 0 0 2933 VERTIV HOLDINGS CO COM CL A 92537N108 604723 2506 SH SOLE 0 0 2506 VISA INC COM CL A 92826C839 286386 797 SH SOLE 0 0 797 WALMART INC COM 931142103 585714 5636 SH SOLE 0 0 5636 WASTE MGMT INC DEL COM 94106L109 287119 1408 SH SOLE 0 0 1408 WISDOMTREE TR EFFICIENT GLD PL 97717Y550 733389 8835 SH SOLE 0 0 8835 WISDOMTREE TR US QTLY DIV GRT 97717X669 446818 4595 SH SOLE 0 0 4595