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
ABBVIE INC COM 00287Y109   653,630 3,811 SH   SOLE   0 0 3,811
ADOBE INC COM 00724F101   506,652 912 SH   SOLE   0 0 912
ADVANCED MICRO DEVICES INC COM 007903107   1,767,602 10,897 SH   SOLE   0 0 10,897
ALPHABET INC CAP STK CL C 02079K107   545,751 2,975 SH   SOLE   0 0 2,975
ALPHABET INC CAP STK CL A 02079K305   6,380,541 35,029 SH   SOLE   0 0 35,029
AMAZON COM INC COM 023135106   1,517,786 7,854 SH   SOLE   0 0 7,854
AMERICAN TOWER CORP NEW COM 03027X100   388,760 2,000 SH   SOLE   0 0 2,000
APPLE INC COM 037833100   4,819,166 22,881 SH   SOLE   0 0 22,881
ASML HOLDING N V N Y REGISTRY SHS N07059210   311,933 305 SH   SOLE   0 0 305
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,643,065 4,039 SH   SOLE   0 0 4,039
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   2,712,513 51,964 SH   SOLE   0 0 51,964
BLOCK INC CL A 852234103   267,376 4,146 SH   SOLE   0 0 4,146
CHEVRON CORP NEW COM 166764100   257,816 1,648 SH   SOLE   0 0 1,648
CITIGROUP INC COM NEW 172967424   429,552 6,769 SH   SOLE   0 0 6,769
CITIZENS FINL GROUP INC COM 174610105   545,710 15,146 SH   SOLE   0 0 15,146
COMCAST CORP NEW CL A 20030N101   209,362 5,346 SH   SOLE   0 0 5,346
CONSTELLATION BRANDS INC CL A 21036P108   437,376 1,700 SH   SOLE   0 0 1,700
DISNEY WALT CO COM 254687106   881,655 8,880 SH   SOLE   0 0 8,880
ELI LILLY & CO COM 532457108   860,019 950 SH   SOLE   0 0 950
EXXON MOBIL CORP COM 30231G102   484,021 4,204 SH   SOLE   0 0 4,204
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500   352,159 10,355 SH   SOLE   0 0 10,355
GOLDMAN SACHS GROUP INC COM 38141G104   393,518 870 SH   SOLE   0 0 870
HARBOR ETF TRUST LONG TERM GROWER 41151J406   1,333,172 52,715 SH   SOLE   0 0 52,715
HARTFORD FINL SVCS GROUP INC COM 416515104   272,262 2,708 SH   SOLE   0 0 2,708
HOME DEPOT INC COM 437076102   690,545 2,006 SH   SOLE   0 0 2,006
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   205,395 5,926 SH   SOLE   0 0 5,926
INNOVATOR ETFS TRUST US EQTY BUFR MAY 45782C326   356,634 9,391 SH   SOLE   0 0 9,391
INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433   251,975 6,200 SH   SOLE   0 0 6,200
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C805   210,500 7,249 SH   SOLE   0 0 7,249
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   476,905 2,903 SH   SOLE   0 0 2,903
INVESCO EXCHANGE TRADED FD T LEISURE AND ENTE 46137V720   519,288 11,433 SH   SOLE   0 0 11,433
INVESCO QQQ TR UNIT SER 1 46090E103   909,946 1,899 SH   SOLE   0 0 1,899
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   500,878 22,613 SH   SOLE   0 0 22,613
ISHARES TR RUSSELL 2000 ETF 464287655   515,607 2,541 SH   SOLE   0 0 2,541
ISHARES TR CORE S&P500 ETF 464287200   41,797,898 76,381 SH   SOLE   0 0 76,381
ISHARES TR GLOBAL 100 ETF 464287572   7,962,442 82,444 SH   SOLE   0 0 82,444
ISHARES TR RUS 1000 GRW ETF 464287614   36,466,575 100,043 SH   SOLE   0 0 100,043
ISHARES TR CORE DIV GRWTH 46434V621   283,695 4,924 SH   SOLE   0 0 4,924
ISHARES TR US AER DEF ETF 464288760   4,851,116 36,737 SH   SOLE   0 0 36,737
ISHARES TR INTL SEL DIV ETF 464288448   629,962 22,767 SH   SOLE   0 0 22,767
ISHARES TR S&P 500 GRWT ETF 464287309   274,227 2,963 SH   SOLE   0 0 2,963
ISHARES TR FLTG RATE NT ETF 46429B655   2,015,155 39,443 SH   SOLE   0 0 39,443
ISHARES TR RUS 2000 GRW ETF 464287648   309,988 1,181 SH   SOLE   0 0 1,181
JOHNSON & JOHNSON COM 478160104   288,163 1,972 SH   SOLE   0 0 1,972
JPMORGAN CHASE & CO. COM 46625H100   1,185,320 5,860 SH   SOLE   0 0 5,860
KEARNY FINL CORP MD COM 48716P108   84,895 13,804 SH   SOLE   0 0 13,804
LINDE PLC SHS G54950103   307,167 700 SH   SOLE   0 0 700
LIVE NATION ENTERTAINMENT IN COM 538034109   247,005 2,635 SH   SOLE   0 0 2,635
LOWES COS INC COM 548661107   426,590 1,935 SH   SOLE   0 0 1,935
M & T BK CORP COM 55261F104   841,108 5,557 SH   SOLE   0 0 5,557
MARATHON PETE CORP COM 56585A102   212,513 1,225 SH   SOLE   0 0 1,225
MARSH & MCLENNAN COS INC COM 571748102   210,720 1,000 SH   SOLE   0 0 1,000
MERCK & CO INC COM 58933Y105   583,806 4,716 SH   SOLE   0 0 4,716
META PLATFORMS INC CL A 30303M102   498,281 988 SH   SOLE   0 0 988
MICROSOFT CORP COM 594918104   8,642,049 19,336 SH   SOLE   0 0 19,336
MONDELEZ INTL INC CL A 609207105   412,784 6,308 SH   SOLE   0 0 6,308
MOTOROLA SOLUTIONS INC COM NEW 620076307   355,030 920 SH   SOLE   0 0 920
NETFLIX INC COM 64110L106   3,237,399 4,797 SH   SOLE   0 0 4,797
NVIDIA CORPORATION COM 67066G104   3,732,520 30,213 SH   SOLE   0 0 30,213
ORACLE CORP COM 68389X105   439,838 3,115 SH   SOLE   0 0 3,115
PACER FDS TR US CASH COWS 100 69374H881   474,935 8,716 SH   SOLE   0 0 8,716
PALO ALTO NETWORKS INC COM 697435105   1,655,725 4,884 SH   SOLE   0 0 4,884
PENSKE AUTOMOTIVE GRP INC COM 70959W103   1,202,805 8,071 SH   SOLE   0 0 8,071
PEPSICO INC COM 713448108   208,471 1,264 SH   SOLE   0 0 1,264
PHILIP MORRIS INTL INC COM 718172109   1,488,774 14,692 SH   SOLE   0 0 14,692
PROCTER AND GAMBLE CO COM 742718109   520,734 3,157 SH   SOLE   0 0 3,157
PROVIDENT FINL SVCS INC COM 74386T105   143,500 10,000 SH   SOLE   0 0 10,000
QUALCOMM INC COM 747525103   427,536 2,146 SH   SOLE   0 0 2,146
RTX CORPORATION COM 75513E101   304,626 3,034 SH   SOLE   0 0 3,034
SCHWAB CHARLES CORP COM 808513105   213,701 2,900 SH   SOLE   0 0 2,900
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   504,558 1,290 SH   SOLE   0 0 1,290
SPDR S&P 500 ETF TR TR UNIT 78462F103   384,764 707 SH   SOLE   0 0 707
SPDR SER TR PORTFOLIO S&P500 78464A854   1,179,057 18,423 SH   SOLE   0 0 18,423
THERMO FISHER SCIENTIFIC INC COM 883556102   580,097 1,049 SH   SOLE   0 0 1,049
TJX COS INC NEW COM 872540109   588,380 5,344 SH   SOLE   0 0 5,344
UBER TECHNOLOGIES INC COM 90353T100   348,573 4,796 SH   SOLE   0 0 4,796
UNION PAC CORP COM 907818108   316,311 1,398 SH   SOLE   0 0 1,398
UNITEDHEALTH GROUP INC COM 91324P102   1,179,525 2,316 SH   SOLE   0 0 2,316
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676   10,719,202 41,117 SH   SOLE   0 0 41,117
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   1,975,704 11,240 SH   SOLE   0 0 11,240
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   3,779,121 11,333 SH   SOLE   0 0 11,333
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   581,120 6,938 SH   SOLE   0 0 6,938
VANGUARD INDEX FDS SML CP GRW ETF 922908595   290,135 1,160 SH   SOLE   0 0 1,160
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,165,031 12,327 SH   SOLE   0 0 12,327
VANGUARD INDEX FDS SMALL CP ETF 922908751   232,423 1,066 SH   SOLE   0 0 1,066
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   1,727,497 10,235 SH   SOLE   0 0 10,235
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   708,172 7,549 SH   SOLE   0 0 7,549
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,509,576 8,269 SH   SOLE   0 0 8,269
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   456,409 9,235 SH   SOLE   0 0 9,235
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   3,254,019 12,233 SH   SOLE   0 0 12,233
VANGUARD WORLD FD INF TECH ETF 92204A702   330,709 574 SH   SOLE   0 0 574
VANGUARD WORLD FD FINANCIALS ETF 92204A405   651,794 6,526 SH   SOLE   0 0 6,526
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603   317,746 1,351 SH   SOLE   0 0 1,351
VISA INC COM CL A 92826C839   1,032,559 3,934 SH   SOLE   0 0 3,934
WALMART INC COM 931142103   648,295 9,575 SH   SOLE   0 0 9,575
WASTE MGMT INC DEL COM 94106L109   848,453 3,977 SH   SOLE   0 0 3,977
WISDOMTREE TR US QTLY DIV GRT 97717X669   359,030 4,600 SH   SOLE   0 0 4,600