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   510,832 5,203 SH   SOLE   0 0 0
Air Products & Chemicals Inc COM 009158106   1,408,919 5,835 SH   SOLE   0 0 0
Alibaba Group Holding Ltd ADR SPONSORED ADS 01609W102   412,418 1,912 SH   SOLE   0 0 0
Alphabet Inc Class A CAP STK CL A 02079K305   608,343 429 SH   SOLE   0 0 0
Alphabet Inc Class C CAP STK CL C 02079K107   629,114 445 SH   SOLE   0 0 0
Amazon.com Inc COM 023135106   645,564 234 SH   SOLE   0 0 0
Amgen Inc COM 031162100   236,445 1,002 SH   SOLE   0 0 0
Apple Inc COM 037833100   6,695,491 18,354 SH   SOLE   0 0 0
ARK Autonomous Technology&Robotics ETF ETF 00214q203   501,817 10,607 SH   SOLE   0 0 0
ARK Innovation ETF ETF 00214Q104   5,374,421 75,367 SH   SOLE   0 0 0
AT&T Inc COM 00206R102   809,634 26,782 SH   SOLE   0 0 0
Automatic Data Processing Inc COM 053015103   589,076 3,956 SH   SOLE   0 0 0
Bank of America Corp COM 060505104   293,918 12,375 SH   SOLE   0 0 0
Bank of New York Mellon Corp COM 064058100   392,570 10,157 SH   SOLE   0 0 0
Bausch Health Companies Inc COM 071734107   301,785 16,500 SH   SOLE   0 0 0
Baxter International Inc COM 071813109   210,170 2,441 SH   SOLE   0 0 0
Becton Dickinson & Co COM 075887109   280,031 1,170 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class A CL B NEW 084670702   3,742,200 14 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class B CL A 084670108   1,977,534 11,078 SH   SOLE   0 0 0
BlackRock Inc COM 09247X101   221,002 406 SH   SOLE   0 0 0
Booking Holdings Inc COM 09857L108   410,824 258 SH   SOLE   0 0 0
BP PLC ADR SPONSORED ADR 055622104   276,965 11,877 SH   SOLE   0 0 0
Bristol-Myers Squibb Co COM 110122108   238,153 4,050 SH   SOLE   0 0 0
Chevron Corp COM 166764100   240,897 2,700 SH   SOLE   0 0 0
Chubb Ltd COM H1467J104   349,978 2,764 SH   SOLE   0 0 0
Cisco Systems Inc COM 17275R102   1,232,778 26,432 SH   SOLE   0 0 0
CME Group Inc Class A COM 12572Q105   7,860,470 48,360 SH   SOLE   0 0 0
Coca-Cola Co COM 191216100   602,545 13,486 SH   SOLE   0 0 0
Comcast Corp Class A CL A 20030N101   464,950 11,928 SH   SOLE   0 0 0
Cyanotech Corp COM PAR $0.02 232437301   36,702 15,752 SH   SOLE   0 0 0
Dollar General Corp COM 256677105   247,663 1,300 SH   SOLE   0 0 0
Exxon Mobil Corp COM 30231G102   422,044 9,437 SH   SOLE   0 0 0
Fastenal Co COM 311900104   231,336 5,400 SH   SOLE   0 0 0
Fidelity MSCI Energy ETF MSCI ENERGY IDX 316092402   110,709 11,149 SH   SOLE   0 0 0
Fidelity MSCI Health Care ETF MSCI HLTH CARE I 316092600   10,150,578 203,950 SH   SOLE   0 0 0
Fidelity MSCI Information Tech ETF MSCI INFO TECH I 316092808   430,265 5,232 SH   SOLE   0 0 0
Fidelity MSCI Real Estate ETF ETF 316092857   6,572,879 281,133 SH   SOLE   0 0 0
Fidelity MSCI Utilities ETF ETF 316092865   10,787,626 295,795 SH   SOLE   0 0 0
First Trust Global Wind Energy ETF GBL WND ENRG ETF 33736G106   193,272 13,431 SH   SOLE   0 0 0
GE Aerospace COM NEW 369604301   120,206 17,600 SH   SOLE   0 0 0
General Mills Inc COM 370334104   316,819 5,139 SH   SOLE   0 0 0
Gilead Sciences Inc COM 375558103   229,184 2,979 SH   SOLE   0 0 0
Goldman Sachs Acss Invmt Grd Corp Bd ETF ACCESS INVT GR 381430479   5,833,816 105,880 SH   SOLE   0 0 0
Goldman Sachs ActiveBeta US LgCp Eq ETF ACTIVEBETA US LG 381430503   16,039,713 256,225 SH   SOLE   0 0 0
Goldman Sachs Equal Wght US Lg Cp Eq ETF INNOVAT EQ ETF 38149W820   1,011,438 21,775 SH   SOLE   0 0 0
Hoku Corp COM 434711107   60 150,000 SH   SOLE   0 0 0
Intel Corp COM 458140100   925,700 15,472 SH   SOLE   0 0 0
Intercontinental Exchange Inc COM 45866F104   5,130,386 56,009 SH   SOLE   0 0 0
International Business Machines Corp COM 459200101   418,772 3,468 SH   SOLE   0 0 0
Invesco Financial Preferred ETF ETF 46137V621   206,423 11,532 SH   SOLE   0 0 0
Invesco National AMT-Free Muni Bd ETF NATL AMT MUNI 46138E537   6,157,904 231,849 SH   SOLE   0 0 0
Invesco S&P 500 Low Volatility ETF S&P500 EQL WGT 46137V357   341,004 6,864 SH   SOLE   0 0 0
Invesco Taxable Municipal Bond ETF ETF 46138G805   314,233 9,548 SH   SOLE   0 0 0
Invesco Water Resources ETF WATER RES ETF 46137V142   236,789 6,516 SH   SOLE   0 0 0
Investors Bancorp Inc COM 46146L101   87,525 10,297 SH   SOLE   0 0 0
iShares 0-5 Year Invmt Grade Corp Bd ETF 0-5YR INVT GR CP 46434V100   738,853 14,176 SH   SOLE   0 0 0
iShares 3-7 Year Treasury Bond ETF 3 7 YR TREAS BD 464288661   22,401,489 167,588 SH   SOLE   0 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440   7,283,217 59,762 SH   SOLE   0 0 0
iShares Core Dividend Growth ETF ETF 46434V621   16,897,449 449,400 SH   SOLE   0 0 0
iShares Core MSCI EAFE ETF CORE MSCI EMKT 46434G103   4,506,056 78,832 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   299,405 6,290 SH   SOLE   0 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   93,936,111 303,323 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   2,538,497 37,172 SH   SOLE   0 0 0
Ishares Core S&P Total US Stock Market CORE S&P TTL STK 464287150   338,516 4,875 SH   SOLE   0 0 0
iShares ESG Aware MSCI USA ETF ESG AWR US AGRGT 46435U549   326,293 4,662 SH   SOLE   0 0 0
iShares Expanded Tech Sector ETF ETF 464287549   15,106,794 54,119 SH   SOLE   0 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655   474,382 9,377 SH   SOLE   0 0 0
iShares iBoxx $ High Yield Corp Bd ETF ETF 464288513   216,597 2,654 SH   SOLE   0 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF IBOXX INV CP ETF 464287242   7,838,346 58,278 SH   SOLE   0 0 0
iShares MSCI EAFE Growth ETF EAFE GRWTH ETF 464288885   8,736,773 105,123 SH   SOLE   0 0 0
iShares MSCI Hong Kong ETF ETF 464286871   201,598 9,434 SH   SOLE   0 0 0
iShares MSCI KLD 400 Social ETF MSCI KLD400 SOC 464288570   213,026 1,805 SH   SOLE   0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   29,617,360 488,493 SH   SOLE   0 0 0
iShares MSCI USA Quality Factor ETF ETF 46432F339   840,895 8,767 SH   SOLE   0 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414   3,820,234 33,104 SH   SOLE   0 0 0
iShares Preferred&Income Securities ETF ETF 464288687   1,031,633 29,782 SH   SOLE   0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   488,929 4,533 SH   SOLE   0 0 0
iShares US Real Estate ETF ETF 464287397   472,822 6,000 SH   SOLE   0 0 0
JC Penney Co Inc COM 708160106   9,711 29,000 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   1,056,347 7,512 SH   SOLE   0 0 0
JPMorgan Chase & Co COM 46625H100   622,965 6,623 SH   SOLE   0 0 0
JPMorgan Diversified Return Intl Eq ETF ETF 46641Q209   7,935,686 160,609 SH   SOLE   0 0 0
KRAFT HEINZ CO COM COM 500754106   959,284 30,081 SH   SOLE   0 0 0
Mastercard Inc Class A CL A 57636Q104   388,008 1,312 SH   SOLE   0 0 0
McDonald's Corp COM 580135101   202,329 1,097 SH   SOLE   0 0 0
Merck & Co Inc COM 58933Y105   495,984 6,414 SH   SOLE   0 0 0
Meta Platforms Inc Class A CL A 30303M102   535,658 2,359 SH   SOLE   0 0 0
Microsoft Corp COM 594918104   1,051,094 5,165 SH   SOLE   0 0 0
Molson Coors Beverage Co Shs -B- Non-Voting COM 60871R209   253,991 7,392 SH   SOLE   0 0 0
Mondelez International Inc Class A CL A 609207105   2,223,323 43,484 SH   SOLE   0 0 0
Nestle SA ADR COM 641069406   501,839 4,544 SH   SOLE   0 0 0
Oracle Corp COM 68389X105   365,843 6,619 SH   SOLE   0 0 0
Pacer Benchmark Data&Infras RE SCTR ETF ETF 69374H741   6,494,780 182,694 SH   SOLE   0 0 0
PepsiCo Inc COM 713448108   530,631 4,012 SH   SOLE   0 0 0
Pfizer Inc COM 717081103   1,376,291 42,088 SH   SOLE   0 0 0
Philip Morris International Inc COM 718172109   314,840 4,494 SH   SOLE   0 0 0
Procter & Gamble Co COM 742718109   259,766 2,173 SH   SOLE   0 0 0
Public Service Enterprise Group Inc COM 744573106   1,380,688 28,086 SH   SOLE   0 0 0
Regeneron Pharmaceuticals Inc COM 75886F107   711,585 1,141 SH   SOLE   0 0 0
Schwab Fundamental Intl Lg Co ETF ETF 808524755   208,342 8,776 SH   SOLE   0 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102   1,287,709 17,527 SH   SOLE   0 0 0
Schwab US Dividend Equity Etf US DIVIDEND EQ 808524797   330,010 6,377 SH   SOLE   0 0 0
Signature Bank COM 82669G104   513,751 4,805 SH   SOLE   0 0 0
SPDR Dow Jones Industrial Avrg ETF Tr ETF 78467X109   690,576 2,678 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Hi Yld Muncpl Bd ETF ETF 78464A284   3,823,591 67,842 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Muni Bd ETF ETF 78468R721   234,330 4,536 SH   SOLE   0 0 0
SPDR S&P 500 ETF Trust PRTFLO S&P500 GW 78464A409   1,453,779 4,715 SH   SOLE   0 0 0
Stryker Corp COM 863667101   266,899 1,481 SH   SOLE   0 0 0
Texas Instruments Inc COM 882508104   321,158 2,529 SH   SOLE   0 0 0
The Goldman Sachs Group Inc COM 40057C5E7   1,905,095 9,640 SH   SOLE   0 0 0
The Home Depot Inc COM 437076102   704,207 2,811 SH   SOLE   0 0 0
The Walt Disney Co COM 254687106   246,466 2,210 SH   SOLE   0 0 0
TJX Companies Inc COM 872540109   245,915 4,864 SH   SOLE   0 0 0
Tortoise North American Pipeline ETF 56167N720   28,296,365 1,712,337 SH   SOLE   0 0 0
UNION PACIFIC CORP COM 907818108   651,842 3,855 SH   SOLE   0 0 0
VanEck Fallen Angel HiYld Bd ETF FALLEN ANGEL HG 92189F437   12,322,518 429,356 SH   SOLE   0 0 0
Vanguard Consumer Staples ETF CONSUM STP ETF 92204A207   456,433 3,052 SH   SOLE   0 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   709,408 6,054 SH   SOLE   0 0 0
Vanguard Extended Market ETF EXTEND MKT ETF 922908652   21,948,602 185,471 SH   SOLE   0 0 0
Vanguard Growth ETF ETF 922908736   521,998 2,583 SH   SOLE   0 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MK ETF 922908769   2,754,662 17,598 SH   SOLE   0 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   349,456 2,132 SH   SOLE   0 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   2,997,839 10,577 SH   SOLE   0 0 0
Vanguard Small-Cap Growth ETF ETF 922908595   648,787 3,250 SH   SOLE   0 0 0
Varian Medical Systems Inc COM 92220P105   252,206 1,900 SH   SOLE   0 0 0
Verizon Communications Inc COM 92343V104   2,103,269 38,151 SH   SOLE   0 0 0
Visa Inc Class A COM CL A 92826C839   929,934 4,814 SH   SOLE   0 0 0
Wells Fargo & Co COM 949746101   298,973 11,679 SH   SOLE   0 0 0
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF ETF 97717X578   4,715,885 157,669 SH   SOLE   0 0 0