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
AMAZON COM INC COM 023135106   7,270,116 37,620 SH   SOLE   0 0 37,620
INVESCO QQQ TR UNIT SER 1 46090E103   396,799 828 SH   SOLE   0 0 828
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   225,891 3,065 SH   SOLE   0 0 3,065
ISHARES GOLD TR ISHARES NEW 464285204   8,376,168 190,670 SH   SOLE   0 0 190,670
JOHNSON & JOHNSON COM 478160104   2,452,701 16,780 SH   SOLE   0 0 16,780
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225   3,850,596 33,656 SH   SOLE   0 0 33,656
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   304,110 9,000 SH   SOLE   0 0 9,000
COSTCO WHSL CORP NEW COM 22160K105   537,194 632 SH   SOLE   0 0 632
PROCTER AND GAMBLE CO COM 742718109   1,676,057 10,162 SH   SOLE   0 0 10,162
COCA COLA CO COM 191216100   528,538 8,303 SH   SOLE   0 0 8,303
OCCIDENTAL PETE CORP COM 674599105   305,506 4,847 SH   SOLE   0 0 4,847
UNITED PARCEL SERVICE INC CL B 911312106   266,036 1,944 SH   SOLE   0 0 1,944
NETFLIX INC COM 64110L106   649,235 962 SH   SOLE   0 0 962
MERCK & CO INC COM 58933Y105   4,945,064 39,943 SH   SOLE   0 0 39,943
SPDR S&P 500 ETF TR TR UNIT 78462F103   227,484 418 SH   SOLE   0 0 418
MCKESSON CORP COM 58155Q103   759,836 1,301 SH   SOLE   0 0 1,301
UNITED RENTALS INC COM 911363109   554,248 857 SH   SOLE   0 0 857
YUM CHINA HLDGS INC COM 98850P109   425,900 13,810 SH   SOLE   0 0 13,810
ISHARES INC MSCI JPN ETF NEW 46434G822   12,213,793 178,982 SH   SOLE   0 0 178,982
FIRST TR EXCHANGE-TRADED FD NASDQ SEMCNDTR 33738R811   6,426,736 64,357 SH   SOLE   0 0 64,357
DIREXION SHS ETF TR DLY TECH BULL 3X 25459W102   413,865 4,250 SH   SOLE   0 0 4,250
DAVITA INC COM 23918K108   370,259 2,672 SH   SOLE   0 0 2,672
CHUBB LIMITED COM H1467J104   349,715 1,371 SH   SOLE   0 0 1,371
MARVELL TECHNOLOGY INC COM 573874104   655,243 9,374 SH   SOLE   0 0 9,374
PULTE GROUP INC COM 745867101   682,620 6,200 SH   SOLE   0 0 6,200
PEPSICO INC COM 713448108   343,569 2,083 SH   SOLE   0 0 2,083
HONEYWELL INTL INC COM 438516106   259,238 1,214 SH   SOLE   0 0 1,214
HOME DEPOT INC COM 437076102   395,972 1,150 SH   SOLE   0 0 1,150
AUTOMATIC DATA PROCESSING IN COM 053015103   1,804,019 7,558 SH   SOLE   0 0 7,558
FAIR ISAAC CORP COM 303250104   741,353 498 SH   SOLE   0 0 498
FIRST TR EXCHANGE TRADED FD CONSUMR DISCRE 33734X101   5,886,104 98,249 SH   SOLE   0 0 98,249
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   607,942 3,086 SH   SOLE   0 0 3,086
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,241,972 19,754 SH   SOLE   0 0 19,754
ISHARES TR INDIA 50 ETF 464289529   6,988,043 130,228 SH   SOLE   0 0 130,228
ISHARES TR IBONDS 27 ETF 46435UAA9   14,321,393 603,514 SH   SOLE   0 0 603,514
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   44,347,897 109,016 SH   SOLE   0 0 109,016
ADOBE INC COM 00724F101   341,657 615 SH   SOLE   0 0 615
SOUTHERN COPPER CORP COM 84265V105   625,215 5,803 SH   SOLE   0 0 5,803
ALPHABET INC CAP STK CL A 02079K305   642,187 3,470 SH   SOLE   0 0 3,470
COMCAST CORP NEW CL A 20030N101   470,470 12,014 SH   SOLE   0 0 12,014
MICROSOFT CORP COM 594918104   8,866,276 19,837 SH   SOLE   0 0 19,837
AMERIPRISE FINL INC COM 03076C106   879,584 2,059 SH   SOLE   0 0 2,059
BOEING CO COM 097023105   4,085,996 22,449 SH   SOLE   0 0 22,449
NIKE INC CL B 654106103   459,154 6,092 SH   SOLE   0 0 6,092
ISHARES TR IBDS DEC28 ETF 46435U515   20,562,640 830,142 SH   SOLE   0 0 830,142
TESLA INC COM 88160R101   390,021 1,971 SH   SOLE   0 0 1,971
DECKERS OUTDOOR CORP COM 243537107   721,123 745 SH   SOLE   0 0 745
MODERNA INC COM 60770K107   501,363 4,222 SH   SOLE   0 0 4,222
ISHARES TR IBONDS DEC 25 46435U432   2,568,635 96,984 SH   SOLE   0 0 96,984
VANGUARD WORLD FD INF TECH ETF 92204A702   1,376,897 2,388 SH   SOLE   0 0 2,388
ROYAL CARIBBEAN GROUP COM V7780T103   710,261 4,455 SH   SOLE   0 0 4,455
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   3,274,210 37,389 SH   SOLE   0 0 37,389
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150   6,130,894 90,080 SH   SOLE   0 0 90,080
KKR & CO INC COM 48251W104   445,586 4,234 SH   SOLE   0 0 4,234
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   3,318,256 33,480 SH   SOLE   0 0 33,480
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   319,361 638 SH   SOLE   0 0 638
ISHARES TR IBONDS DEC 26 46435U259   2,764,692 109,190 SH   SOLE   0 0 109,190
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   434,779 32,422 SH   SOLE   0 0 32,422
UBER TECHNOLOGIES INC COM 90353T100   661,897 9,107 SH   SOLE   0 0 9,107
ISHARES TR IBONDS DEC 28 46435U325   4,324,167 172,828 SH   SOLE   0 0 172,828
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   3,473,078 21,141 SH   SOLE   0 0 21,141
ISHARES TR IBONDS DEC 27 46435U283   3,285,760 131,377 SH   SOLE   0 0 131,377
ELI LILLY & CO COM 532457108   1,142,665 1,262 SH   SOLE   0 0 1,262
ISHARES TR IBONDS DEC 29 46436E205   20,574,304 907,556 SH   SOLE   0 0 907,556
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   3,281,484 18,668 SH   SOLE   0 0 18,668
VERTIV HOLDINGS CO COM CL A 92537N108   602,873 6,964 SH   SOLE   0 0 6,964
ISHARES TR IBONDS DEC 2030 46436E726   31,706,243 1,491,356 SH   SOLE   0 0 1,491,356
MARATHON PETE CORP COM 56585A102   833,398 4,804 SH   SOLE   0 0 4,804
DIREXION SHS ETF TR DL FTSE BULL 3X 25460G195   402,480 18,000 SH   SOLE   0 0 18,000
COINBASE GLOBAL INC COM CL A 19260Q107   1,048,703 4,719 SH   SOLE   0 0 4,719
VISA INC COM CL A 92826C839   439,718 1,675 SH   SOLE   0 0 1,675
BLUE FOUNDRY BANCORP COM 09549B104   239,140 26,366 SH   SOLE   0 0 26,366
ISHARES TR IBONDS DEC 2031 46436E486   31,737,548 1,564,196 SH   SOLE   0 0 1,564,196
ISHARES TR MSCI USA MIN VOL 46429B697   365,898 4,358 SH   SOLE   0 0 4,358
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   260,629 2,937 SH   SOLE   0 0 2,937
NU HLDGS LTD ORD SHS CL A G6683N103   892,697 69,255 SH   SOLE   0 0 69,255
SUNOCO LP/SUNOCO FIN CORP COM UT REP LP 86765K109   1,221,660 21,607 SH   SOLE   0 0 21,607
ISHARES TR CORE S&P TTL STK 464287150   5,694,076 47,938 SH   SOLE   0 0 47,938
CONSTELLATION ENERGY CORP COM 21037T109   966,703 4,827 SH   SOLE   0 0 4,827
META PLATFORMS INC CL A 30303M102   1,135,003 2,251 SH   SOLE   0 0 2,251
ISHARES INC JP MRGN EM HI BD 464286285   11,359,298 306,593 SH   SOLE   0 0 306,593
PIMCO DYNAMIC INCOME FD SHS 72201Y101   771,623 41,021 SH   SOLE   0 0 41,021
ALPS ETF TR SECTR DIV DOGS 00162Q858   1,222,803 23,146 SH   SOLE   0 0 23,146
ISHARES TR IBONDS DEC 2032 46436E312   31,664,369 1,289,265 SH   SOLE   0 0 1,289,265
FIRST TR NASDAQ 100 TECH IND SHS 337345102   6,025,020 30,512 SH   SOLE   0 0 30,512
BUILDERS FIRSTSOURCE INC COM 12008R107   443,050 3,201 SH   SOLE   0 0 3,201
BROADCOM INC COM 11135F101   1,046,806 652 SH   SOLE   0 0 652
MOODYS CORP COM 615369105   329,167 782 SH   SOLE   0 0 782
PROVIDENT FINL SVCS INC COM 74386T105   862,722 60,120 SH   SOLE   0 0 60,120
ISHARES TR CORE MSCI TOTAL 46432F834   679,518 10,058 SH   SOLE   0 0 10,058
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   250,281 3,212 SH   SOLE   0 0 3,212
KROGER CO COM 501044101   305,022 6,109 SH   SOLE   0 0 6,109
NVIDIA CORPORATION COM 67066G104   1,568,163 12,693 SH   SOLE   0 0 12,693
ISHARES TR SHORT TREAS BD 464288679   53,022,666 479,843 SH   SOLE   0 0 479,843
ISHARES TR IBONDS DEC 2029 46436E163   5,931,083 238,579 SH   SOLE   0 0 238,579
CHURCH & DWIGHT CO INC COM 171340102   296,006 2,855 SH   SOLE   0 0 2,855
ISHARES TR IBONDS DEC 2033 46436E130   41,607,853 1,651,105 SH   SOLE   0 0 1,651,105
NEUROCRINE BIOSCIENCES INC COM 64125C109   317,880 2,309 SH   SOLE   0 0 2,309
VERISIGN INC COM 92343E102   273,456 1,538 SH   SOLE   0 0 1,538
STRYKER CORPORATION COM 863667101   260,226 764 SH   SOLE   0 0 764
QUALCOMM INC COM 747525103   424,054 2,129 SH   SOLE   0 0 2,129
T-MOBILE US INC COM 872590104   245,453 1,393 SH   SOLE   0 0 1,393
GENERAL DYNAMICS CORP COM 369550108   318,864 1,099 SH   SOLE   0 0 1,099
CISCO SYS INC COM 17275R102   409,160 8,612 SH   SOLE   0 0 8,612
ADVANCED MICRO DEVICES INC COM 007903107   406,012 2,503 SH   SOLE   0 0 2,503
GE VERNOVA INC COM 36828A101   315,235 1,838 SH   SOLE   0 0 1,838
GE AEROSPACE COM NEW 369604301   1,460,642 9,188 SH   SOLE   0 0 9,188
INVESCO EXCH TRADED FD TR II S&P ULTRA DIVIDE 46138G656   241,203 5,384 SH   SOLE   0 0 5,384
ISHARES TR IBONDS DEC2026 46435GAA0   10,248,343 430,241 SH   SOLE   0 0 430,241
SALESFORCE INC COM 79466L302   4,403,576 17,127 SH   SOLE   0 0 17,127
INVESCO EXCHANGE TRADED FD T DORSEY WRIGHT MO 46137V837   20,862,768 213,189 SH   SOLE   0 0 213,189
JPMORGAN CHASE & CO. COM 46625H100   2,047,343 10,122 SH   SOLE   0 0 10,122
CHEVRON CORP NEW COM 166764100   1,038,073 6,636 SH   SOLE   0 0 6,636
ISHARES TR NATIONAL MUN ETF 464288414   285,745 2,681 SH   SOLE   0 0 2,681
BANK AMERICA CORP COM 060505104   448,578 11,279 SH   SOLE   0 0 11,279
WALMART INC COM 931142103   331,668 4,659 SH   SOLE   0 0 4,659
INTERNATIONAL BUSINESS MACHS COM 459200101   4,303,482 24,882 SH   SOLE   0 0 24,882
TEXAS INSTRS INC COM 882508104   585,535 3,010 SH   SOLE   0 0 3,010
PFIZER INC COM 717081103   278,014 9,936 SH   SOLE   0 0 9,936
3M CO COM 88579Y101   312,234 3,055 SH   SOLE   0 0 3,055
CATERPILLAR INC COM 149123101   5,937,748 17,825 SH   SOLE   0 0 17,825
ALPHABET INC CAP STK CL C 02079K107   7,390,601 40,237 SH   SOLE   0 0 40,237
AMERICAN EXPRESS CO COM 025816109   429,294 1,854 SH   SOLE   0 0 1,854
AMGEN INC COM 031162100   272,144 871 SH   SOLE   0 0 871
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   5,394,712 26,323 SH   SOLE   0 0 26,323
ARISTA NETWORKS INC COM 040413106   853,068 2,434 SH   SOLE   0 0 2,434
ISHARES TR CORE US AGGBD ET 464287226   7,601,843 78,313 SH   SOLE   0 0 78,313
EATON CORP PLC SHS G29183103   614,872 1,961 SH   SOLE   0 0 1,961
ISHARES TR BLACKROCK ULTRA 46434V878   3,195,398 63,237 SH   SOLE   0 0 63,237
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   787,392 10,936 SH   SOLE   0 0 10,936
HUBSPOT INC COM 443573100   703,030 1,192 SH   SOLE   0 0 1,192
GARTNER INC COM 366651107   747,685 1,665 SH   SOLE   0 0 1,665
CITIGROUP INC COM NEW 172967424   349,030 5,500 SH   SOLE   0 0 5,500
EXXON MOBIL CORP COM 30231G102   3,832,935 33,295 SH   SOLE   0 0 33,295
TRAVELERS COMPANIES INC COM 89417E109   265,105 1,303 SH   SOLE   0 0 1,303
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   16,416,726 240,926 SH   SOLE   0 0 240,926
KRAFT HEINZ CO COM 500754106   263,713 8,184 SH   SOLE   0 0 8,184
APPLE INC COM 037833100   11,658,886 55,355 SH   SOLE   0 0 55,355
MARSH & MCLENNAN COS INC COM 571748102   331,252 1,572 SH   SOLE   0 0 1,572
VANECK ETF TRUST LONG MUNI ETF 92189F536   8,584,351 480,646 SH   SOLE   0 0 480,646