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
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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
Abbott Laboratories COM 002824100   1,469 13,474 SH   SOLE   0 0 13,474
AbbVie Inc COM 00287y109   3,231 23,984 SH   SOLE   0 0 23,984
Adobe Inc COM 00724f101   2,686 5,493 SH   SOLE   0 0 5,493
Advanced Micro Devices Inc COM 007903107   706 6,202 SH   SOLE   0 0 6,202
Aflac Inc COM 001055102   391 5,600 SH   SOLE   0 0 5,600
Air Prods & Chems Inc COM 009158106   1,858 6,202 SH   SOLE   0 0 6,202
Alnylam Pharmaceuticals Inc CO COM 02043q107   209 1,100 SH   SOLE   0 0 1,100
Alphabet Inc Cap Stock Cl A COM 02079k305   11,236 93,870 SH   SOLE   0 0 93,870
Alphabet Inc Cap Stock Cl C COM 02079k107   8,065 66,666 SH   SOLE   0 0 66,666
Amazon.com Inc COM 023135106   6,614 50,740 SH   SOLE   0 0 50,740
American States Water Co COM 029899101   261 3,000 SH   SOLE   0 0 3,000
Amgen Inc COM 031162100   813 3,662 SH   SOLE   0 0 3,662
Amphenol Corp Cl A COM 032095101   7,917 93,194 SH   SOLE   0 0 93,194
Apple Inc. COM 037833100   35,069 180,795 SH   SOLE   0 0 180,795
Apple Inc. COM 037833100   2,048 10,560 SH   DFND 5 0 0 10,560
Ares Capital Corp COM 04010l103   4,051 215,604 SH   SOLE   0 0 215,604
AT&T Inc COM 00206r102   563 35,300 SH   SOLE   0 0 35,300
Automatic Data Processing Inc COM 053015103   499 2,269 SH   SOLE   0 0 2,269
Bank America Corp COM 060505104   552 19,255 SH   SOLE   0 0 19,255
Becton Dickinson & Co COM 075887109   752 2,849 SH   SOLE   0 0 2,849
Berkshire Hathaway Inc Cl A COM 084670108   518 1 SH   SOLE   0 0 1
Berkshire Hathaway Inc Cl B COM 084670702   2,459 7,211 SH   SOLE   0 0 7,211
Berkshire Hills Bancorp Inc COM 084680107   236 11,370 SH   SOLE   0 0 11,370
BlackRock Inc COM 09247x101   3,805 5,505 SH   SOLE   0 0 5,505
Blackstone Inc COM 09260d107   345 3,711 SH   SOLE   0 0 3,711
Blue Foundry Bancorp COM COM 09549b104   162 15,975 SH   SOLE   0 0 15,975
Boeing Co COM 097023105   563 2,666 SH   SOLE   0 0 2,666
Bristol-Myers Squibb Co COM 110122108   405 6,331 SH   SOLE   0 0 6,331
Broadcom Inc COM 11135f101   1,099 1,267 SH   SOLE   0 0 1,267
Brown & Brown Inc COM 115236101   275 4,000 SH   SOLE   0 0 4,000
Caterpillar Inc COM 149123101   1,989 8,084 SH   SOLE   0 0 8,084
Celsius Holdings Inc New COM 15118v207   2,443 16,378 SH   SOLE   0 0 16,378
Chevron Corp COM 166764100   3,994 25,381 SH   SOLE   0 0 25,381
Chubb Limited COM h1467j104   690 3,584 SH   SOLE   0 0 3,584
Cisco Systems Inc COM 17275r102   468 9,047 SH   SOLE   0 0 9,047
Cloudflare Inc Cl A COM 18915m107   1,035 15,828 SH   SOLE   0 0 15,828
CME Group Inc Cl A COM 12572q105   949 5,121 SH   SOLE   0 0 5,121
Cna Financial Corp COM COM 126117100   502 12,986 SH   SOLE   0 0 12,986
Comcast Corp Cl A COM 20030n101   520 12,510 SH   SOLE   0 0 12,510
ConocoPhillips COM 20825c104   1,101 10,627 SH   SOLE   0 0 10,627
Consolidated Edison Inc COM 209115104   381 4,212 SH   SOLE   0 0 4,212
Costco Wholesale Corp COM 22160k105   6,923 12,858 SH   SOLE   0 0 12,858
Crowdstrike Holdings Inc Cl A COM 22788c105   367 2,500 SH   SOLE   0 0 2,500
CSX Corp COM 126408103   665 19,511 SH   SOLE   0 0 19,511
Danaher Corp COM 235851102   2,059 8,577 SH   SOLE   0 0 8,577
Datadog Inc Cl A COM 23804l103   2,596 26,392 SH   SOLE   0 0 26,392
Deere & Co COM 244199105   605 1,492 SH   SOLE   0 0 1,492
Delta Air Lines Inc COM 247361702   237 4,990 SH   SOLE   0 0 4,990
Disney Walt Co Disney COM 254687106   2,842 31,833 SH   SOLE   0 0 31,833
Dow Inc COM 260557103   459 8,613 SH   SOLE   0 0 8,613
Eastern Bankshares Inc COM COM 27627n105   723 58,936 SH   SOLE   0 0 58,936
Eaton Corp PLC COM g29183103   218 1,085 SH   SOLE   0 0 1,085
Ecolab Inc COM 278865100   501 2,685 SH   SOLE   0 0 2,685
Enbridge Inc COM 29250n105   475 12,795 SH   SOLE   0 0 12,795
Exxon Mobil Corp COM 30231g102   1,121 10,448 SH   SOLE   0 0 10,448
Ford Motor Co COM 345370860   200 13,230 SH   SOLE   0 0 13,230
General Mills Inc COM 370334104   539 7,029 SH   SOLE   0 0 7,029
Gilead Sciences Inc COM 375558103   854 11,083 SH   SOLE   0 0 11,083
Goldman Sachs Group Inc COM 38141g104   1,873 5,806 SH   SOLE   0 0 5,806
Hershey Co COM 427866108   1,472 5,897 SH   SOLE   0 0 5,897
Hims & Hers Health Inc COM CL COM 433000106   789 83,980 SH   SOLE   0 0 83,980
Home Depot Inc COM 437076102   2,893 9,312 SH   SOLE   0 0 9,312
Illinois Tool Works Inc COM 452308109   1,151 4,603 SH   SOLE   0 0 4,603
International Business Machs C COM 459200101   502 3,755 SH   SOLE   0 0 3,755
Iqvia Holdings Inc COM 46266c105   356 1,585 SH   SOLE   0 0 1,585
Johnson & Johnson COM 478160104   2,057 12,427 SH   SOLE   0 0 12,427
JPMorgan Chase & Co COM 46625h100   1,896 13,040 SH   SOLE   0 0 13,040
KeyCorp COM 493267108   1,206 130,521 SH   SOLE   0 0 130,521
Kimberly Clark Corp COM 494368103   574 4,154 SH   SOLE   0 0 4,154
Lilly Eli & Co COM 532457108   1,275 2,718 SH   SOLE   0 0 2,718
Linde Plc SHS COM g54950103   497 1,303 SH   SOLE   0 0 1,303
Lockheed Martin Corp COM 539830109   1,046 2,273 SH   SOLE   0 0 2,273
Lowes Cos Inc COM 548661107   216 956 SH   SOLE   0 0 956
Lululemon Athletica Inc COM 550021109   2,275 6,011 SH   SOLE   0 0 6,011
M & T Bank Corp COM 55261f104   1,851 14,960 SH   SOLE   0 0 14,960
Marathon Oil Corp COM 565849106   676 29,375 SH   SOLE   0 0 29,375
Marathon Petroleum Corp COM 56585a102   360 3,087 SH   SOLE   0 0 3,087
Marriott Intl Inc Cl A COM 571903202   215 1,170 SH   SOLE   0 0 1,170
Marvell Technology Group Ltd COM 573874104   937 15,670 SH   SOLE   0 0 15,670
MasterCard Incorporated Cl A COM 57636q104   1,289 3,277 SH   SOLE   0 0 3,277
Matinas Biopharma Holdings Inc COM 576810105   4 10,000 SH   SOLE   0 0 10,000
McDonalds Corp COM 580135101   2,535 8,493 SH   SOLE   0 0 8,493
Medtronic PLC COM g5960l103   329 3,732 SH   SOLE   0 0 3,732
MercadoLibre Inc COM 58733r102   2,611 2,204 SH   SOLE   0 0 2,204
Merck & Co Inc COM 58933y105   4,745 41,120 SH   SOLE   0 0 41,120
Meta Platforms, Inc COM 30303m102   755 2,632 SH   SOLE   0 0 2,632
Microsoft Corp COM 594918104   11,082 32,543 SH   SOLE   0 0 32,543
Microsoft Corp COM 594918104   511 1,500 SH   DFND 5 0 0 1,500
Mobileye Global Inc. COM 60741f104   352 9,150 SH   SOLE   0 0 9,150
Mondelez Intl Inc Cl A COM 609207105   242 3,323 SH   SOLE   0 0 3,323
Morgan Stanley COM 617446448   390 4,562 SH   SOLE   0 0 4,562
Nestle S A COM 641069406   388 3,222 SH   SOLE   0 0 3,222
Nextera Energy Inc COM 65339f101   1,121 15,112 SH   SOLE   0 0 15,112
Nextera Energy Inc COM 65339f101   386 5,200 SH   DFND 5 0 0 5,200
Nike Inc Cl B COM 654106103   290 2,629 SH   SOLE   0 0 2,629
Northrop Grumman Corp COM 666807102   2,523 5,536 SH   SOLE   0 0 5,536
Nucor Corp COM 670346105   219 1,334 SH   SOLE   0 0 1,334
NVIDIA Corp COM 67066g104   5,609 13,260 SH   SOLE   0 0 13,260
Onemain Holdings Inc COM COM 68268w103   568 13,002 SH   SOLE   0 0 13,002
OPKO Health Inc COM 68375n103   34 15,770 SH   SOLE   0 0 15,770
Oracle Corp COM 68389x105   609 5,111 SH   SOLE   0 0 5,111
P3 Health Partners Inc COM COM 744413105   39 13,033 SH   SOLE   0 0 13,033
Palantir Technologies Inc Cl A COM 69608a108   353 23,036 SH   SOLE   0 0 23,036
Palo Alto Networks Inc COM 697435105   396 1,550 SH   SOLE   0 0 1,550
Parker Hannifin Corp COM 701094104   758 1,943 SH   SOLE   0 0 1,943
Paypal Holdings Inc COM 70450y103   577 8,650 SH   SOLE   0 0 8,650
PepsiCo Inc COM 713448108   14,175 76,528 SH   SOLE   0 0 76,528
Pfizer Inc COM 717081103   439 11,974 SH   SOLE   0 0 11,974
Philip Morris Intl Inc COM 718172109   249 2,554 SH   SOLE   0 0 2,554
Pioneer Natural Resources Co COM 723787107   305 1,470 SH   SOLE   0 0 1,470
Playmates Toys Limited SHS COM g7147s100   99 900,000 SH   SOLE   0 0 900,000
Plug Power Inc COM 72919p202   302 29,076 SH   SOLE   0 0 29,076
PPL Corp COM 69351t106   270 10,219 SH   SOLE   0 0 10,219
Procter And Gamble Co COM 742718109   2,674 17,619 SH   SOLE   0 0 17,619
Qualcomm Inc COM 747525103   432 3,632 SH   SOLE   0 0 3,632
Rekor Systems Inc COM COM 759419104   32 18,000 SH   SOLE   0 0 18,000
Renaissancere Holdings Ltd COM COM g7496g103   373 2,000 SH   SOLE   0 0 2,000
ResMed Inc COM 761152107   1,794 8,212 SH   SOLE   0 0 8,212
Rightscorp Inc COM 76658a102   5 200,000 SH   SOLE   0 0 200,000
Royal Mines & Minerals Corp COM 78033p101   0 50,000 SH   SOLE   0 0 50,000
Rtx Corporation Com COM 75513e101   1,255 12,809 SH   SOLE   0 0 12,809
Salesforce Inc COM 79466l302   349 1,654 SH   SOLE   0 0 1,654
Sap SE Sp ADR COM 803054204   1,045 7,636 SH   SOLE   0 0 7,636
SBA Communications Corp Cl A COM 78410g104   232 1,000 SH   SOLE   0 0 1,000
Sea Ltd Sponsord ADS COM 81141r100   1,473 25,387 SH   SOLE   0 0 25,387
Shockwave Med Inc COM 82489t104   3,394 11,891 SH   SOLE   0 0 11,891
Skyx Platforms Corp Com COM 78471e105   956 359,526 SH   SOLE   0 0 359,526
Sorrento Therapeutics Inc COM 83587f202   11 30,866 SH   SOLE   0 0 30,866
Starbucks Corp COM 855244109   681 6,876 SH   SOLE   0 0 6,876
Starwood Property Trust Inc COM 85571b105   1,126 58,036 SH   SOLE   0 0 58,036
Target Corp COM 87612e106   753 5,710 SH   SOLE   0 0 5,710
Tesla Inc COM 88160r101   1,667 6,367 SH   SOLE   0 0 6,367
Texas Instruments Inc COM 882508104   730 4,053 SH   SOLE   0 0 4,053
Thermo Fisher Scientific Inc COM 883556102   2,965 5,683 SH   SOLE   0 0 5,683
TJX Cos Inc COM 872540109   4,363 51,459 SH   SOLE   0 0 51,459
Toronto Dominion Bank Ont COM COM 891160509   356 5,744 SH   SOLE   0 0 5,744
Travelers Companies Inc COM 89417e109   661 3,805 SH   SOLE   0 0 3,805
Union Pacific Corp COM 907818108   1,514 7,400 SH   SOLE   0 0 7,400
United Health Prods Inc COM COM 91059d100   55 161,905 SH   SOLE   0 0 161,905
United Rentals Inc COM 911363109   1,944 4,366 SH   SOLE   0 0 4,366
UnitedHealth Group Inc COM 91324p102   5,438 11,315 SH   SOLE   0 0 11,315
Verizon Communications Inc COM 92343v104   663 17,827 SH   SOLE   0 0 17,827
Visa Inc Cl A COM 92826c839   6,345 26,716 SH   SOLE   0 0 26,716
Wal-Mart Inc COM 931142103   3,769 23,981 SH   SOLE   0 0 23,981
Walgreens Boots Alliance Inc COM 931427108   314 11,004 SH   SOLE   0 0 11,004
Walker & Dunlop Inc COM 93148p102   491 6,208 SH   SOLE   0 0 6,208
Waste Management Inc COM 94106l109   528 3,044 SH   SOLE   0 0 3,044
Watsco Inc COM 942622200   632 1,657 SH   SOLE   0 0 1,657
Zebra Technologies Corp Cl A COM 989207105   1,645 5,561 SH   SOLE   0 0 5,561
Zoetis Inc Cl A COM 98978v103   4,083 23,709 SH   SOLE   0 0 23,709
Aberdeen Std Gold ETF Tr Physc ETF 00326a104   270 14,700 SH   SOLE   0 0 14,700
Ark ETF Tr Innovation ETF ETF 00214q104   292 6,614 SH   SOLE   0 0 6,614
Energy Select Sector SPDR ETF 81369y506   394 4,852 SH   SOLE   0 0 4,852
First Trust Exch Traded Fund I ETF 33739p855   505 30,000 SH   SOLE   0 0 30,000
First Trust Global Tactical Co ETF 33739h101   2,628 115,435 SH   SOLE   0 0 115,435
First Trust S&P Deep Buffered ETF 33740f854   2,762 81,160 SH   SOLE   0 0 81,160
Invesco Exchange Traded Fund T ETF 46137v266   542 3,554 SH   SOLE   0 0 3,554
Invesco Exchange Traded Fund T ETF 46137v241   1,577 31,261 SH   SOLE   0 0 31,261
Invesco Exchng Traded Fund Tr ETF 46138g102   383 9,605 SH   SOLE   0 0 9,605
Invesco QQQ Ser 1 ETF 46090e103   28,904 78,241 SH   SOLE   0 0 78,241
IShares Core S&P 500 ETF ETF 464287200   837 1,878 SH   SOLE   0 0 1,878
iShares Core S&P Mcp ETF ETF 464287507   2,166 8,284 SH   SOLE   0 0 8,284
Ishares Gold Tr Ishares New ETF 464285204   1,476 40,561 SH   SOLE   0 0 40,561
iShares Intl Quality Factor ETF 46434v456   1,402 39,392 SH   SOLE   0 0 39,392
iShares Min Vol USA ETF ETF 46429b697   350 4,708 SH   SOLE   0 0 4,708
iShares MSCI EAFE ETF ETF 464287465   2,186 30,155 SH   SOLE   0 0 30,155
iShares MSCI Emerg Mkt ETF ETF 464287234   4,687 118,487 SH   SOLE   0 0 118,487
iShares NASDAQ Biotech ETF 464287556   3,358 26,450 SH   SOLE   0 0 26,450
iShares Rus 2000 Growth ETF ETF 464287648   249 1,027 SH   SOLE   0 0 1,027
iShares Rus Mid Cap ETF ETF 464287499   1,028 14,082 SH   SOLE   0 0 14,082
iShares Russell 1000 Growth ET ETF 464287614   16,980 61,704 SH   SOLE   0 0 61,704
iShares Russell 1000 Val ETF ETF 464287598   6,457 40,910 SH   SOLE   0 0 40,910
iShares Russell 2000 ETF ETF 464287655   472 2,521 SH   SOLE   0 0 2,521
iShares Russell 3000 ETF ETF 464287689   609 2,392 SH   SOLE   0 0 2,392
iShares S&P 500 Growth ETF ETF 464287309   288 4,084 SH   SOLE   0 0 4,084
iShares S&P Smallcap ETF ETF 464287804   1,127 11,310 SH   SOLE   0 0 11,310
iShares Select Div ETF ETF 464287168   216 1,910 SH   SOLE   0 0 1,910
iShares USA Quality Fctr ETF 46432f339   11,127 82,499 SH   SOLE   0 0 82,499
JPMorgan Equity Premium Income ETF 46641q332   14,628 264,382 SH   SOLE   0 0 264,382
Lattice Strategies Tr Hartford ETF 518416102   695 26,388 SH   SOLE   0 0 26,388
Pacer Funds Tr US CASH COWS 10 ETF 69374h881   1,529 31,947 SH   SOLE   0 0 31,947
ProShares S&P 500 Dv Arist ETF 74348a467   457 4,842 SH   SOLE   0 0 4,842
Select Sector SPDR Financial ETF 81369y605   287 8,527 SH   SOLE   0 0 8,527
SPDR Gold Trust Gold ETF 78463v107   874 4,903 SH   SOLE   0 0 4,903
Spdr NYSE TECH ETF ETF 78464a102   362 2,593 SH   SOLE   0 0 2,593
SPDR Portfolio Devlpd ETF 78463x889   354 10,865 SH   SOLE   0 0 10,865
SPDR Portfolio Tl Stock ETF 78464a805   465 8,535 SH   SOLE   0 0 8,535
SPDR S&P 500 ETF Tr ETF 78462f103   53,329 120,305 SH   SOLE   0 0 120,305
SPDR S&P Dividend ETF ETF 78464a763   1,744 14,224 SH   SOLE   0 0 14,224
SPDR S&P Mid Cap 400 ETF ETF 78467y107   10,143 21,180 SH   SOLE   0 0 21,180
SSGA SPDR ETFS Europe I PLC UC ETF g8t03h146   443 1,000 SH   SOLE   0 0 1,000
Technology Select Sector SPDR ETF 81369y803   320 1,843 SH   SOLE   0 0 1,843
Vaneck ETF BDC Income ETF 92189f411   1,381 89,900 SH   SOLE   0 0 89,900
Vanguard FTSE Emerg Mkt ETF ETF 922042858   1,706 41,935 SH   SOLE   0 0 41,935
Vanguard Health Care ETF ETF 92204a504   1,808 7,383 SH   SOLE   0 0 7,383
Vanguard High Div Yield ETF 921946406   12,978 122,353 SH   SOLE   0 0 122,353
Vanguard Index Funds EXTEND MK ETF 922908652   4,291 28,834 SH   SOLE   0 0 28,834
Vanguard S&P 500 ETF ETF 922908363   753 1,849 SH   SOLE   0 0 1,849
Vanguard Small Cap Val ETF ETF 922908611   2,670 16,144 SH   SOLE   0 0 16,144
Vanguard Total Stock Mkt ETF 922908769   516 2,344 SH   SOLE   0 0 2,344
Vanguard Value ETF ETF 922908744   11,720 82,474 SH   SOLE   0 0 82,474
Fidelity Total Bond ETF ETF 316188309   452 9,947 SH   SOLE   0 0 9,947
First Trust ETF Muni High Inc ETF 33739p301   4,951 105,112 SH   SOLE   0 0 105,112
First Trust ETF TCW Unconstrai ETF 33740f888   11,876 491,362 SH   SOLE   0 0 491,362
iShares 1 3 Yr Treas Bond ETF 464287457   243 2,999 SH   SOLE   0 0 2,999
iShares 10 YR INVST GRD ETF 464289511   7,945 154,113 SH   SOLE   0 0 154,113
iShares 20 Yr Tr Bond ETF ETF 464287432   13,215 128,378 SH   SOLE   0 0 128,378
iShares Core US Aggbd Et ETF 464287226   2,751 28,090 SH   SOLE   0 0 28,090
iShares iBoxx Inv Cp ETF ETF 464287242   342 3,166 SH   SOLE   0 0 3,166
iShares Sh Tr Crport ETF ETF 464288646   270 5,385 SH   SOLE   0 0 5,385
JPMorgan Exchange Traded Fund ETF 46641q837   451 9,000 SH   SOLE   0 0 9,000
Quadratic Int Rate Vol & Infl ETF 500767736   260 12,654 SH   SOLE   0 0 12,654
SPDR Portfolio Agrgte ETF 78464a649   254 10,000 SH   SOLE   0 0 10,000
SPDR Portfolio Interm ETF 78464a375   259 8,064 SH   SOLE   0 0 8,064
Vanguard Muni Bond Funds TAX E ETF 922907746   219 4,352 SH   SOLE   0 0 4,352
Vanguard Total Bond Mkt ETF 921937835   5,779 79,498 SH   SOLE   0 0 79,498