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
Air Products & Chemicals Inc COM 009158106   1,552,966 7,780 SH   SOLE   0 0 0
Amazon.com Inc COM 023135106   456,234 234 SH   SOLE   0 0 0
Amgen Inc COM 031162100   202,866 1,001 SH   SOLE   0 0 0
Apple Inc COM 037833100   4,907,876 19,300 SH   SOLE   0 0 0
Automatic Data Processing Inc COM 053015103   540,767 3,956 SH   SOLE   0 0 0
BP PLC ADR SPONSORED ADR 055622104   269,642 11,055 SH   SOLE   0 0 0
Bank of America Corp COM 060505104   269,132 12,677 SH   SOLE   0 0 0
Bank of New York Mellon Corp COM 064058100   342,090 10,157 SH   SOLE   0 0 0
Bausch Health Companies Inc COM 071734107   254,588 16,425 SH   SOLE   0 0 0
Becton Dickinson & Co COM 075887109   268,893 1,170 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class B CL A 084670108   1,986,996 10,868 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class A CL B NEW 084670702   3,808,000 14 SH   SOLE   0 0 0
Bristol-Myers Squibb Co COM 110122108   228,386 4,097 SH   SOLE   0 0 0
Chevron Corp COM 166764100   408,220 5,634 SH   SOLE   0 0 0
Coca-Cola Co COM 191216100   580,547 13,120 SH   SOLE   0 0 0
Cyanotech Corp COM PAR $0.02 232437301   32,449 15,752 SH   SOLE   0 0 0
Fidelity MSCI Health Care ETF MSCI HLTH CARE I 316092600   7,854,364 182,745 SH   SOLE   0 0 0
Fidelity MSCI Information Tech ETF MSCI INFO TECH I 316092808   606,727 9,678 SH   SOLE   0 0 0
Fidelity MSCI Real Estate ETF ETF 316092857   5,522,713 265,515 SH   SOLE   0 0 0
Fidelity MSCI Utilities ETF ETF 316092865   9,637,249 268,298 SH   SOLE   0 0 0
GE Aerospace COM NEW 369604301   133,703 16,839 SH   SOLE   0 0 0
General Mills Inc COM 370334104   271,185 5,139 SH   SOLE   0 0 0
Gilead Sciences Inc COM 375558103   222,629 2,978 SH   SOLE   0 0 0
Goldman Sachs ActiveBeta US LgCp Eq ETF ACTIVEBETA US LG 381430503   12,934,816 247,841 SH   SOLE   0 0 0
Hoku Corp COM 434711107   105 150,000 SH   SOLE   0 0 0
The Home Depot Inc COM 437076102   532,025 2,849 SH   SOLE   0 0 0
Intel Corp COM 458140100   819,716 15,146 SH   SOLE   0 0 0
International Business Machines Corp COM 459200101   379,812 3,424 SH   SOLE   0 0 0
Ishares Core S&P Total US Stock Market CORE S&P TTL STK 464287150   307,801 5,380 SH   SOLE   0 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   77,526,411 300,025 SH   SOLE   0 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF IBOXX INV CP ETF 464287242   6,926,927 56,084 SH   SOLE   0 0 0
iShares US Real Estate ETF ETF 464287397   653,044 9,387 SH   SOLE   0 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440   7,791,375 64,137 SH   SOLE   0 0 0
iShares Expanded Tech Sector ETF ETF 464287549   10,769,406 50,854 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   6,803,891 121,260 SH   SOLE   0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   520,764 4,899 SH   SOLE   0 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414   2,106,178 18,637 SH   SOLE   0 0 0
iShares iBoxx $ High Yield Corp Bd ETF ETF 464288513   635,683 8,248 SH   SOLE   0 0 0
iShares 3-7 Year Treasury Bond ETF 3 7 YR TREAS BD 464288661   23,456,459 175,915 SH   SOLE   0 0 0
iShares Preferred&Income Securities ETF ETF 464288687   656,946 20,633 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   960,540 7,325 SH   SOLE   0 0 0
KRAFT HEINZ CO COM COM 500754106   751,867 30,391 SH   SOLE   0 0 0
Microsoft Corp COM 594918104   819,826 5,198 SH   SOLE   0 0 0
Mondelez International Inc Class A CL A 609207105   2,201,403 43,958 SH   SOLE   0 0 0
Nestle SA ADR COM 641069406   467,987 4,544 SH   SOLE   0 0 0
PepsiCo Inc COM 713448108   491,693 4,094 SH   SOLE   0 0 0
Pfizer Inc COM 717081103   1,413,709 43,312 SH   SOLE   0 0 0
Philip Morris International Inc COM 718172109   352,855 4,836 SH   SOLE   0 0 0
Procter & Gamble Co COM 742718109   223,310 2,030 SH   SOLE   0 0 0
Public Service Enterprise Group Inc COM 744573106   1,256,450 27,977 SH   SOLE   0 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102   1,112,758 18,414 SH   SOLE   0 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   288,187 6,407 SH   SOLE   0 0 0
Stryker Corp COM 863667101   246,607 1,481 SH   SOLE   0 0 0
TJX Companies Inc COM 872540109   232,253 4,858 SH   SOLE   0 0 0
Texas Instruments Inc COM 882508104   252,763 2,529 SH   SOLE   0 0 0
UNION PACIFIC CORP COM 907818108   543,774 3,855 SH   SOLE   0 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   625,923 6,054 SH   SOLE   0 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   2,499,161 10,553 SH   SOLE   0 0 0
Vanguard Small-Cap Growth ETF ETF 922908595   488,475 3,250 SH   SOLE   0 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   280,678 2,132 SH   SOLE   0 0 0
Vanguard Extended Market ETF EXTEND MKT ETF 922908652   15,862,133 175,195 SH   SOLE   0 0 0
Vanguard Growth ETF ETF 922908736   404,730 2,583 SH   SOLE   0 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MK ETF 922908769   2,349,939 18,229 SH   SOLE   0 0 0
Wells Fargo & Co COM 949746101   415,207 14,467 SH   SOLE   0 0 0
AT&T Inc COM 00206R102   858,798 29,461 SH   SOLE   0 0 0
AbbVie Inc COM 00287Y109   392,532 5,152 SH   SOLE   0 0 0
Alibaba Group Holding Ltd ADR SPONSORED ADS 01609W102   422,605 2,173 SH   SOLE   0 0 0
Alphabet Inc Class C CAP STK CL C 02079K107   517,498 445 SH   SOLE   0 0 0
Alphabet Inc Class A CAP STK CL A 02079K305   497,315 428 SH   SOLE   0 0 0
Booking Holdings Inc COM 09857L108   347,093 258 SH   SOLE   0 0 0
CME Group Inc Class A COM 12572Q105   8,361,831 48,359 SH   SOLE   0 0 0
Cisco Systems Inc COM 17275R102   843,861 21,467 SH   SOLE   0 0 0
Comcast Corp Class A CL A 20030N101   410,081 11,928 SH   SOLE   0 0 0
Exxon Mobil Corp COM 30231G102   515,752 13,583 SH   SOLE   0 0 0
Meta Platforms Inc Class A CL A 30303M102   395,483 2,371 SH   SOLE   0 0 0
First Trust Global Wind Energy ETF GBL WND ENRG ETF 33736G106   162,146 13,381 SH   SOLE   0 0 0
Goldman Sachs Equal Wght US Lg Cp Eq ETF INNOVAT EQ ETF 38149W820   724,311 18,981 SH   SOLE   0 0 0
The Goldman Sachs Group Inc COM 40057C5E7   1,490,142 9,639 SH   SOLE   0 0 0
Intercontinental Exchange Inc COM 45866F104   4,530,590 56,106 SH   SOLE   0 0 0
Invesco S&P 500 Low Volatility ETF S&P500 EQL WGT 46137V357   323,513 6,895 SH   SOLE   0 0 0
Invesco Financial Preferred ETF ETF 46137V621   264,933 15,686 SH   SOLE   0 0 0
Invesco National AMT-Free Muni Bd ETF NATL AMT MUNI 46138E537   4,999,800 193,791 SH   SOLE   0 0 0
Invesco Taxable Municipal Bond ETF ETF 46138G805   313,368 10,141 SH   SOLE   0 0 0
Investors Bancorp Inc COM 46146L101   82,273 10,297 SH   SOLE   0 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655   457,815 9,393 SH   SOLE   0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   27,399,953 507,313 SH   SOLE   0 0 0
iShares Core MSCI EAFE ETF CORE MSCI EMKT 46434G103   14,968,761 300,035 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   278,355 6,878 SH   SOLE   0 0 0
iShares 0-5 Year Invmt Grade Corp Bd ETF 0-5YR INVT GR CP 46434V100   5,021,052 100,141 SH   SOLE   0 0 0
iShares Core Dividend Growth ETF ETF 46434V621   13,762,780 422,301 SH   SOLE   0 0 0
iShares ESG Aware MSCI USA ETF ESG AWR US AGRGT 46435U549   273,135 4,751 SH   SOLE   0 0 0
JPMorgan Chase & Co COM 46625H100   561,347 6,235 SH   SOLE   0 0 0
JPMorgan Diversified Return Intl Eq ETF ETF 46641Q209   3,630,364 83,958 SH   SOLE   0 0 0
Tortoise North American Pipeline ETF 56167N720   24,098,217 1,774,537 SH   SOLE   0 0 0
Mastercard Inc Class A CL A 57636Q104   310,193 1,284 SH   SOLE   0 0 0
Merck & Co Inc COM 58933Y105   458,943 5,965 SH   SOLE   0 0 0
Molson Coors Beverage Co Shs -B- Non-Voting COM 60871R209   421,794 10,812 SH   SOLE   0 0 0
Oracle Corp COM 68389X105   319,762 6,616 SH   SOLE   0 0 0
Regeneron Pharmaceuticals Inc COM 75886F107   557,139 1,141 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Hi Yld Muncpl Bd ETF ETF 78464A284   6,389,672 116,770 SH   SOLE   0 0 0
SPDR S&P 500 ETF Trust PRTFLO S&P500 GW 78464A409   1,576,187 6,115 SH   SOLE   0 0 0
SPDR Dow Jones Industrial Avrg ETF Tr ETF 78467X109   587,098 2,678 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Muni Bd ETF ETF 78468R721   226,800 4,536 SH   SOLE   0 0 0
Signature Bank COM 82669G104   386,274 4,805 SH   SOLE   0 0 0
VanEck Fallen Angel HiYld Bd ETF FALLEN ANGEL HG 92189F437   8,085,491 319,585 SH   SOLE   0 0 0
Vanguard Consumer Staples ETF CONSUM STP ETF 92204A207   418,284 3,035 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   2,010,084 37,411 SH   SOLE   0 0 0
Visa Inc Class A COM CL A 92826C839   779,604 4,839 SH   SOLE   0 0 0
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF ETF 97717X578   3,377,138 138,294 SH   SOLE   0 0 0
Chubb Ltd COM H1467J104   257,334 2,304 SH   SOLE   0 0 0
Fidelity Corporate Bond ETF ETF 316188101   321,054 6,407 SH   SOLE   0 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   566,715 5,671 SH   SOLE   0 0 0
Kinder Morgan Inc Class P COM 49456B101   164,016 11,783 SH   SOLE   0 0 0
Vanguard Materials ETF ETF 92204A801   216,999 2,255 SH   SOLE   0 0 0
Vanguard Real Estate ETF ETF 922908553   664,902 9,519 SH   SOLE   0 0 0
Vanguard Short-Term Infl-Prot Secs ETF ETF 922020805   297,095 6,098 SH   SOLE   0 0 0