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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHA PRO TECH LTD COM 020772109 66 11,000 SH   SOLE   0 0 11,000
ALPHABET INC CAP STK CL A 02079K305 1,837 634 SH   SOLE   0 0 634
ALPHABET INC CAP STK CL C 02079K107 341 118 SH   SOLE   0 0 118
AMAZON COM INC COM 023135106 3,641 1,092 SH   SOLE   0 0 1,092
APPLE INC COM 037833100 6,832 38,475 SH   SOLE   0 0 38,475
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 292 976 SH   SOLE   0 0 976
BK OF AMERICA CORP COM 060505104 295 6,626 SH   SOLE   0 0 6,626
BLACKROCK ENHANCED GLOBAL DI COM 092501105 433 35,589 SH   SOLE   0 0 35,589
BLACKSTONE INC COM 09260D107 503 3,889 SH   SOLE   0 0 3,889
BOEING CO COM 097023105 384 1,910 SH   SOLE   0 0 1,910
BRISTOL-MYERS SQUIBB CO COM 110122108 902 14,466 SH   SOLE   0 0 14,466
CHIPOTLE MEXICAN GRILL INC COM 169656105 226 129 SH   SOLE   0 0 129
COCA COLA CO COM 191216100 224 3,783 SH   SOLE   0 0 3,783
CORNING INC COM 219350105 264 7,093 SH   SOLE   0 0 7,093
COSTCO WHSL CORP NEW COM 22160K105 498 878 SH   SOLE   0 0 878
DANAHER CORPORATION COM 235851102 215 652 SH   SOLE   0 0 652
DISNEY WALT CO COM 254687106 437 2,818 SH   SOLE   0 0 2,818
FERRARI N V COM N3167Y103 218 843 SH   SOLE   0 0 843
FLEXSHOPPER INC COM NEW 33939J303 799 339,978 SH   SOLE   0 0 339,978
HOME DEPOT INC COM 437076102 986 2,377 SH   SOLE   0 0 2,377
INTERNATIONAL BUSINESS MACHS COM 459200101 293 2,189 SH   SOLE   0 0 2,189
INVESCO QQQ TR UNIT SER 1 46090E103 285 717 SH   SOLE   0 0 717
ISHARES INC MSCI EQUAL WEITE 464286681 2,893 32,323 SH   SOLE   0 0 32,323
ISHARES TR NATIONAL MUN ETF 464288414 226 1,940 SH   SOLE   0 0 1,940
ISHARES TR EXPONENTIAL TECH 46434V381 286 4,326 SH   SOLE   0 0 4,326
ISHARES TR CORE MSCI TOTAL 46432F834 11,653 164,268 SH   SOLE   0 0 164,268
ISHARES TR CORE MSCI EAFE 46432F842 413 5,533 SH   SOLE   0 0 5,533
ISHARES TR PFD AND INCM SEC 464288687 1,459 37,008 SH   SOLE   0 0 37,008
ISHARES TR CORE S&P TTL STK 464287150 25,286 236,365 SH   SOLE   0 0 236,365
ISHARES TR IBOXX HI YD ETF 464288513 210 2,417 SH   SOLE   0 0 2,417
ISHARES TR CORE US AGGBD ET 464287226 17,479 153,214 SH   SOLE   0 0 153,214
ISHARES TR TIPS BD ETF 464287176 4,801 37,158 SH   SOLE   0 0 37,158
ISHARES TR CORE S&P MCP ETF 464287507 4,233 14,954 SH   SOLE   0 0 14,954
ISHARES TR CORE S&P SCP ETF 464287804 15,369 134,214 SH   SOLE   0 0 134,214
ISHARES TR CORE S&P500 ETF 464287200 997 2,091 SH   SOLE   0 0 2,091
ISHARES TR RUS 1000 VAL ETF 464287598 636 3,787 SH   SOLE   0 0 3,787
ISHARES TR RUS 1000 GRW ETF 464287614 728 2,382 SH   SOLE   0 0 2,382
ISHARES TR RUSSELL 2000 ETF 464287655 6,242 28,060 SH   SOLE   0 0 28,060
ISHARES TR CORE S&P US VLU 464287663 670 8,777 SH   SOLE   0 0 8,777
ISHARES TR CORE S&P US GWT 464287671 8,084 69,903 SH   SOLE   0 0 69,903
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 300 5,935 SH   SOLE   0 0 5,935
JOHNSON & JOHNSON COM 478160104 303 1,774 SH   SOLE   0 0 1,774
JPMORGAN CHASE & CO COM 46625H100 205 1,293 SH   SOLE   0 0 1,293
LOWES COS INC COM 548661107 221 853 SH   SOLE   0 0 853
MARRIOTT INTL INC NEW CL A 571903202 1,440 8,715 SH   SOLE   0 0 8,715
MASTERCARD INCORPORATED CL A 57636Q104 233 648 SH   SOLE   0 0 648
MCDONALDS CORP COM 580135101 206 768 SH   SOLE   0 0 768
META PLATFORMS INC CL A 30303M102 1,242 3,694 SH   SOLE   0 0 3,694
MICROSOFT CORP COM 594918104 3,343 9,941 SH   SOLE   0 0 9,941
NETFLIX INC COM 64110L106 325 540 SH   SOLE   0 0 540
NVIDIA CORPORATION COM 67066G104 2,115 7,191 SH   SOLE   0 0 7,191
OPKO HEALTH INC COM 68375N103 233 48,502 SH   SOLE   0 0 48,502
PAYPAL HLDGS INC COM 70450Y103 204 1,084 SH   SOLE   0 0 1,084
PFIZER INC COM 717081103 420 7,108 SH   SOLE   0 0 7,108
PROSHARES TR S&P 500 DV ARIST 74348A467 13,404 136,525 SH   SOLE   0 0 136,525
PROSHARES TR ULTRASHRT DOW 30 74347G648 447 17,198 SH   SOLE   0 0 17,198
PROSHARES TR ULTRAPRO SHORT S 74347B110 373 29,949 SH   SOLE   0 0 29,949
PROSHARES TR II ULTRA VIX SHORT 74347Y839 502 40,400 SH   SOLE   0 0 40,400
SALESFORCE COM INC COM 79466L302 229 902 SH   SOLE   0 0 902
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,540 91,082 SH   SOLE   0 0 91,082
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,191 6,852 SH   SOLE   0 0 6,852
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 7,049 50,030 SH   SOLE   0 0 50,030
SERVICENOW INC COM 81762P102 254 391 SH   SOLE   0 0 391
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,239 6,820 SH   SOLE   0 0 6,820
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,374 6,517 SH   SOLE   0 0 6,517
UNITEDHEALTH GROUP INC COM 91324P102 368 733 SH   SOLE   0 0 733
VANGUARD INDEX FDS TOTAL STK MKT 922908769 31,618 130,956 SH   SOLE   0 0 130,956
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 302 692 SH   SOLE   0 0 692
VANGUARD INDEX FDS VALUE ETF 922908744 423 2,877 SH   SOLE   0 0 2,877
VANGUARD INDEX FDS MID CAP ETF 922908629 8,937 35,078 SH   SOLE   0 0 35,078
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11,426 186,456 SH   SOLE   0 0 186,456
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 7,062 76,131 SH   SOLE   0 0 76,131
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 11,549 103,017 SH   SOLE   0 0 103,017
VISA INC COM CL A 92826C839 677 3,126 SH   SOLE   0 0 3,126
WALMART INC COM 931142103 217 1,502 SH   SOLE   0 0 1,502
WASTE MGMT INC DEL COM 94106L109 298 1,784 SH   SOLE   0 0 1,784
WELLS FARGO CO NEW COM 949746101 358 7,458 SH   SOLE   0 0 7,458