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
ABBVIE INC COM 00287Y109 215 1,329 SH   SOLE   1,329 0 0
ALPHABET INC CAP STK CL C 02079K107 913 327 SH   SOLE   327 0 0
ALTRIA GROUP INC COM 02209S103 709 13,561 SH   SOLE   13,560 0 0
AMAZON COM INC COM 023135106 685 210 SH   SOLE   210 0 0
APPLE INC COM 037833100 15,520 88,887 SH   SOLE   88,886 0 0
AT&T INC COM 00206R102 757 32,023 SH   SOLE   32,022 0 0
BK OF AMERICA CORP COM 060505104 288 6,986 SH   SOLE   6,986 0 0
BOEING CO COM 097023105 241 1,261 SH   SOLE   1,261 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 523 7,163 SH   SOLE   7,162 0 0
CHEVRON CORP NEW COM 166764100 757 4,646 SH   SOLE   4,646 0 0
CHURCH & DWIGHT CO INC COM 171340102 229 2,309 SH   SOLE   2,308 0 0
COLGATE PALMOLIVE CO COM 194162103 369 4,872 SH   SOLE   4,872 0 0
COMCAST CORP NEW CL A 20030N101 413 8,819 SH   SOLE   8,819 0 0
DISNEY WALT CO COM 254687106 797 5,811 SH   SOLE   5,811 0 0
EXXON MOBIL CORP COM 30231G102 1,501 18,175 SH   SOLE   18,175 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,515 32,346 SH   SOLE   32,346 0 0
FS KKR CAP CORP COM 302635206 612 26,814 SH   SOLE   26,814 0 0
HOME DEPOT INC COM 437076102 422 1,410 SH   SOLE   1,410 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 2,742 78,014 SH   SOLE   78,014 0 0
INTEL CORP COM 458140100 432 8,712 SH   SOLE   8,712 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 5,223 39,534 SH   SOLE   39,534 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 538 4,136 SH   SOLE   4,136 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201 493 16,009 SH   SOLE   16,009 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,750 31,505 SH   SOLE   31,505 0 0
ISHARES TR CORE S&P TTL STK 464287150 32,126 318,264 SH   SOLE   318,263 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,449 76,388 SH   SOLE   76,388 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 671 3,271 SH   SOLE   3,271 0 0
JOHNSON & JOHNSON COM 478160104 642 3,622 SH   SOLE   3,621 0 0
JONES LANG LASALLE INC COM 48020Q107 213 890 SH   SOLE   890 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 1,545 73,890 SH   SOLE   73,890 0 0
M & T BK CORP COM 55261F104 3,070 18,112 SH   SOLE   18,112 0 0
MERCK & CO INC COM 58933Y105 1,463 17,829 SH   SOLE   17,829 0 0
META PLATFORMS INC CL A 30303M102 200 901 SH   SOLE   901 0 0
MICROSOFT CORP COM 594918104 1,114 3,614 SH   SOLE   3,614 0 0
MONDELEZ INTL INC CL A 609207105 803 12,787 SH   SOLE   12,787 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 227 937 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106 287 766 SH   SOLE   766 0 0
NEW JERSEY RES CORP COM 646025106 482 10,518 SH   SOLE   10,517 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 327 24,475 SH   SOLE   24,475 0 0
NVIDIA CORPORATION COM 67066G104 407 1,490 SH   SOLE   1,490 0 0
ORACLE CORP COM 68389X105 228 2,760 SH   SOLE   2,760 0 0
PEPSICO INC COM 713448108 552 3,295 SH   SOLE   3,295 0 0
PFIZER INC COM 717081103 347 6,702 SH   SOLE   6,701 0 0
PHILIP MORRIS INTL INC COM 718172109 1,716 18,272 SH   SOLE   18,272 0 0
PROCTER AND GAMBLE CO COM 742718109 1,436 9,400 SH   SOLE   9,400 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 379 5,410 SH   SOLE   5,410 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103 83 11,806 SH   SOLE   11,805 0 0
ROYAL GOLD INC COM 780287108 210 1,487 SH   SOLE   1,487 0 0
SPDR SER TR DJ REIT ETF 78464A607 1,293 11,021 SH   SOLE   11,021 0 0
VALLEY NATL BANCORP COM 919794107 738 56,715 SH   SOLE   56,715 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,016 22,030 SH   SOLE   22,030 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 987 2,378 SH   SOLE   2,378 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,491 36,685 SH   SOLE   36,684 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 208 1,945 SH   SOLE   1,945 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 327 6,422 SH   SOLE   6,422 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 2,131 40,401 SH   SOLE   40,401 0 0