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
ALPHABET INC CAP STK CL A 02079K305 1,279 13,372 SH   SOLE 0 0 0 13,372
ALPHABET INC CAP STK CL C 02079K107 285 2,965 SH   SOLE 0 0 0 2,965
AMAZON COM INC COM 023135106 2,595 22,963 SH   SOLE 0 0 0 22,963
AMERICAN INTL GROUP INC COM NEW 026874784 218 4,602 SH   SOLE 0 0 0 4,602
APPLE INC COM 037833100 5,271 38,139 SH   SOLE 0 0 0 38,139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 351 1,316 SH   SOLE 0 0 0 1,316
BK OF AMERICA CORP COM 060505104 421 13,951 SH   SOLE 0 0 0 13,951
BLACKSTONE INC COM 09260D107 365 4,361 SH   SOLE 0 0 0 4,361
BOEING CO COM 097023105 215 1,773 SH   SOLE 0 0 0 1,773
BRISTOL-MYERS SQUIBB CO COM 110122108 1,079 15,182 SH   SOLE 0 0 0 15,182
COCA COLA CO COM 191216100 345 6,155 SH   SOLE 0 0 0 6,155
CORNING INC COM 219350105 225 7,740 SH   SOLE 0 0 0 7,740
COSTCO WHSL CORP NEW COM 22160K105 440 931 SH   SOLE 0 0 0 931
DANAHER CORPORATION COM 235851102 220 851 SH   SOLE 0 0 0 851
DISNEY WALT CO COM 254687106 251 2,656 SH   SOLE 0 0 0 2,656
F45 TRAINING HLDGS INC COM 30322L101 215 69,525 SH   SOLE 0 0 0 69,525
FERRARI N V COM N3167Y103 220 1,190 SH   SOLE 0 0 0 1,190
FLEXSHOPPER INC COM NEW 33939J303 605 325,478 SH   SOLE 0 0 0 325,478
HOME DEPOT INC COM 437076102 679 2,459 SH   SOLE 0 0 0 2,459
INTERNATIONAL BUSINESS MACHS COM 459200101 274 2,309 SH   SOLE 0 0 0 2,309
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,466 11,517 SH   SOLE 0 0 0 11,517
INVESCO QQQ TR UNIT SER 1 46090E103 436 1,630 SH   SOLE 0 0 0 1,630
ISHARES INC MSCI EQUAL WEITE 464286681 1,253 18,753 SH   SOLE 0 0 0 18,753
ISHARES TR 1 3 YR TREAS BD 464287457 342 4,217 SH   SOLE 0 0 0 4,217
ISHARES TR CORE S&P TTL STK 464287150 16,649 209,313 SH   SOLE 0 0 0 209,313
ISHARES TR CORE HIGH DV ETF 46429B663 1,795 19,666 SH   SOLE 0 0 0 19,666
ISHARES TR CORE DIV GRWTH 46434V621 367 8,263 SH   SOLE 0 0 0 8,263
ISHARES TR CORE MSCI TOTAL 46432F834 793 15,564 SH   SOLE 0 0 0 15,564
ISHARES TR CORE S&P MCP ETF 464287507 3,350 15,278 SH   SOLE 0 0 0 15,278
ISHARES TR CORE S&P SCP ETF 464287804 10,629 121,907 SH   SOLE 0 0 0 121,907
ISHARES TR CORE S&P500 ETF 464287200 820 2,287 SH   SOLE 0 0 0 2,287
ISHARES TR RUS 1000 VAL ETF 464287598 508 3,735 SH   SOLE 0 0 0 3,735
ISHARES TR RUS 1000 GRW ETF 464287614 944 4,485 SH   SOLE 0 0 0 4,485
ISHARES TR RUSSELL 2000 ETF 464287655 5,386 32,658 SH   SOLE 0 0 0 32,658
ISHARES TR CORE S&P US VLU 464287663 540 8,625 SH   SOLE 0 0 0 8,625
ISHARES TR CORE S&P US GWT 464287671 4,815 60,056 SH   SOLE 0 0 0 60,056
JOHNSON & JOHNSON COM 478160104 313 1,919 SH   SOLE 0 0 0 1,919
JPMORGAN CHASE & CO COM 46625H100 213 2,040 SH   SOLE 0 0 0 2,040
MARRIOTT INTL INC NEW CL A 571903202 1,172 8,363 SH   SOLE 0 0 0 8,363
MERCK & CO INC COM 58933Y105 265 3,078 SH   SOLE 0 0 0 3,078
META PLATFORMS INC CL A 30303M102 423 3,117 SH   SOLE 0 0 0 3,117
MICROSOFT CORP COM 594918104 2,396 10,288 SH   SOLE 0 0 0 10,288
NVIDIA CORPORATION COM 67066G104 955 7,870 SH   SOLE 0 0 0 7,870
OPKO HEALTH INC COM 68375N103 20 10,752 SH   SOLE 0 0 0 10,752
PFIZER INC COM 717081103 344 7,854 SH   SOLE 0 0 0 7,854
PROSHARES TR S&P 500 DV ARIST 74348A467 10,497 131,284 SH   SOLE 0 0 0 131,284
QUALCOMM INC COM 747525103 227 2,009 SH   SOLE 0 0 0 2,009
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 12,503 444,468 SH   SOLE 0 0 0 444,468
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 687 5,788 SH   SOLE 0 0 0 5,788
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 6,599 54,487 SH   SOLE 0 0 0 54,487
SPDR S&P 500 ETF TR TR UNIT 78462F103 6,643 18,599 SH   SOLE 0 0 0 18,599
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,656 9,103 SH   SOLE 0 0 0 9,103
TESLA INC COM 88160R101 261 983 SH   SOLE 0 0 0 983
UNITEDHEALTH GROUP INC COM 91324P102 376 744 SH   SOLE 0 0 0 744
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,256 37,610 SH   SOLE 0 0 0 37,610
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 336 1,024 SH   SOLE 0 0 0 1,024
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,200 134,840 SH   SOLE 0 0 0 134,840
VANGUARD INDEX FDS VALUE ETF 922908744 294 2,379 SH   SOLE 0 0 0 2,379
VANGUARD INDEX FDS MID CAP ETF 922908629 6,276 33,389 SH   SOLE 0 0 0 33,389
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,263 163,731 SH   SOLE 0 0 0 163,731
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 377 2,790 SH   SOLE 0 0 0 2,790
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 247 6,791 SH   SOLE 0 0 0 6,791
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 10,360 109,193 SH   SOLE 0 0 0 109,193
VISA INC COM CL A 92826C839 491 2,765 SH   SOLE 0 0 0 2,765
WALMART INC COM 931142103 326 2,511 SH   SOLE 0 0 0 2,511
WASTE MGMT INC DEL COM 94106L109 424 2,647 SH   SOLE 0 0 0 2,647
WELLS FARGO CO NEW COM 949746101 278 6,922 SH   SOLE 0 0 0 6,922
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 3,666 72,919 SH   SOLE 0 0 0 72,919