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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   308,985 1,739 SH   SOLE   0 0 0
AFFIRM HLDGS INC COM CL A 00827B106   210,166 3,451 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL C 02079K107   2,349,393 12,337 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL A 02079K305   974,910 5,150 SH   SOLE   0 0 0
ALPS ETF TR RIVERFRNT DYMC 00162Q528   518,496 9,273 SH   SOLE   0 0 0
AMAZON COM INC COM 023135106   3,526,036 16,072 SH   SOLE   0 0 0
AMERICAN CENTY ETF TR DIVERSIFID CRP 025072109   489,580 10,657 SH   SOLE   0 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   390,868 6,649 SH   SOLE   0 0 0
AMGEN INC COM 031162100   325,744 1,250 SH   SOLE   0 0 0
APPLE INC COM 037833100   5,484,714 21,902 SH   SOLE   0 0 0
AT&T INC COM 00206R102   248,155 10,898 SH   SOLE   0 0 0
BANK AMERICA CORP COM 060505104   898,720 20,449 SH   SOLE   0 0 0
BECTON DICKINSON &CO COM 075887109   361,483 1,593 SH   SOLE   0 0 0
BELDEN INC COM 077454106   222,968 1,980 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   822,477 1,815 SH   SOLE   0 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603   390,904 7,514 SH   SOLE   0 0 0
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101   267,983 24,208 SH   SOLE   0 0 0
BLACKSTONE INC COM 09260D107   272,652 1,581 SH   SOLE   0 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   534,078 9,443 SH   SOLE   0 0 0
BROADCOM INC COM 11135F101   1,280,034 5,521 SH   SOLE   0 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   370,625 10,511 SH   SOLE   0 0 0
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   1,711,314 46,040 SH   SOLE   0 0 0
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   2,234,521 100,654 SH   SOLE   0 0 0
CATERPILLAR INC COM 149123101   346,313 955 SH   SOLE   0 0 0
CHEVRON CORP NEW COM 166764100   481,668 3,326 SH   SOLE   0 0 0
CISCO SYS INC COM 17275R102   297,248 5,021 SH   SOLE   0 0 0
CITIGROUP INC COM NEW 172967424   382,786 5,438 SH   SOLE   0 0 0
COCA COLA CO COM 191216100   338,053 5,430 SH   SOLE   0 0 0
COLGATE PALMOLIVE CO COM 194162103   422,038 4,642 SH   SOLE   0 0 0
CONOCOPHILLIPS COM 20825C104   255,447 2,576 SH   SOLE   0 0 0
CONSTELLATION ENERGY CORP COM 21037T109   285,674 1,277 SH   SOLE   0 0 0
CORNING INC COM 219350105   584,637 12,303 SH   SOLE   0 0 0
COSTCO WHSL CORP NEW COM 22160K105   982,109 1,072 SH   SOLE   0 0 0
CVS HEALTH CORP COM 126650100   280,097 6,240 SH   SOLE   0 0 0
DEERE &CO COM 244199105   607,843 1,435 SH   SOLE   0 0 0
DISNEY WALT CO COM 254687106   544,050 4,886 SH   SOLE   0 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   257,423 2,389 SH   SOLE   0 0 0
EATON CORP PLC SHS G29183103   697,720 2,102 SH   SOLE   0 0 0
EATON VANCE MUNI INCOME TRUS SH BEN INT 27826U108   265,160 26,227 SH   SOLE   0 0 0
ELI LILLY &CO COM 532457108   825,415 1,069 SH   SOLE   0 0 0
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   243,897 12,450 SH   SOLE   0 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   291,110 9,283 SH   SOLE   0 0 0
ETF SER SOLUTIONS DEFIANCE QUANTUM 26922A420   335,199 4,131 SH   SOLE   0 0 0
EXELON CORP COM 30161N101   247,500 6,575 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102   1,209,619 11,245 SH   SOLE   0 0 0
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   220,125 3,750 SH   SOLE   0 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808   391,650 2,118 SH   SOLE   0 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   1,675,803 37,348 SH   SOLE   0 0 0
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855   238,519 12,755 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   2,239,835 37,873 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD LIMITED DURATION 33738D804   272,200 14,425 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705   468,134 9,324 SH   SOLE   0 0 0
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605   352,582 5,970 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST LADDERED 33740F755   807,790 26,511 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F763   391,441 7,865 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   312,554 7,274 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F664   272,832 6,400 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F722   319,841 6,225 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI FT VEST US EQT 33740F862   219,902 4,725 SH   SOLE   0 0 0
FRANKLIN TEMPLETON ETF TR US LRG CP MLTFCT 35473P801   273,556 4,665 SH   SOLE   0 0 0
GABELLI EQUITY TR INC COM 362397101   463,132 86,084 SH   SOLE   0 0 0
GILEAD SCIENCES INC COM 375558103   430,449 4,660 SH   SOLE   0 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   549,678 4,772 SH   SOLE   0 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   216,993 379 SH   SOLE   0 0 0
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   464,105 6,270 SH   SOLE   0 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   278,756 2,548 SH   SOLE   0 0 0
HOME DEPOT INC COM 437076102   764,286 1,965 SH   SOLE   0 0 0
HONEYWELL INTL INC COM 438516106   545,816 2,416 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C318   994,635 27,700 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US SML CP PWR ET 45782C342   479,914 14,675 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   503,735 13,300 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQT PWR BUF 45782C870   462,468 12,600 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417   419,520 11,400 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US SML CP PWR B 45782C284   312,011 10,600 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US SML CP PWR B 45782C599   302,643 9,900 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C748   355,496 9,475 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656   316,591 8,100 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C383   277,311 6,900 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C540   238,204 6,200 SH   SOLE   0 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C813   214,084 5,200 SH   SOLE   0 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   484,638 2,205 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II S&P MDCP 400 REV 46138G672   560,137 4,819 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   483,286 8,871 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   1,040,523 5,938 SH   SOLE   0 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   430,525 842 SH   SOLE   0 0 0
ISHARES SILVER TR ISHARES 46428Q109   347,293 13,190 SH   SOLE   0 0 0
ISHARES TR CORE DIV GRWTH 46434V621   3,019,385 49,224 SH   SOLE   0 0 0
ISHARES TR CORE MSCI EAFE 46432F842   1,387,690 19,745 SH   SOLE   0 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   1,257,056 13,597 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF 464287465   749,233 9,909 SH   SOLE   0 0 0
ISHARES TR PFD AND INCM SEC 464288687   286,793 9,122 SH   SOLE   0 0 0
ISHARES TR US AER DEF ETF 464288760   1,319,431 9,078 SH   SOLE   0 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   3,279,605 8,167 SH   SOLE   0 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   334,055 4,075 SH   SOLE   0 0 0
ISHARES TR NATIONAL MUN ETF 464288414   255,294 2,396 SH   SOLE   0 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   416,900 1,887 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,052,193 1,787 SH   SOLE   0 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   221,539 1,197 SH   SOLE   0 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   205,068 712 SH   SOLE   0 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   397,645 6,912 SH   SOLE   0 0 0
JABIL INC COM 466313103   220,887 1,535 SH   SOLE   0 0 0
JOHNSON &JOHNSON COM 478160104   926,113 6,404 SH   SOLE   0 0 0
JPMORGAN CHASE &CO. COM 46625H100   689,737 2,877 SH   SOLE   0 0 0
KAYNE ANDERSON ENERGY INFRST COM 486606106   319,567 25,143 SH   SOLE   0 0 0
KEURIG DR PEPPER INC COM 49271V100   296,968 9,246 SH   SOLE   0 0 0
LOCKHEED MARTIN CORP COM 539830109   959,180 1,974 SH   SOLE   0 0 0
MATSON INC COM 57686G105   258,806 1,919 SH   SOLE   0 0 0
MCDONALDS CORP COM 580135101   550,096 1,898 SH   SOLE   0 0 0
MCKESSON CORP COM 58155Q103   320,859 563 SH   SOLE   0 0 0
MERCK &CO INC COM 58933Y105   2,130,363 21,415 SH   SOLE   0 0 0
META PLATFORMS INC CL A 30303M102   467,666 799 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104   3,419,519 8,113 SH   SOLE   0 0 0
NBT BANCORP INC COM 628778102   1,167,826 24,452 SH   SOLE   0 0 0
NRG ENERGY INC COM NEW 629377508   548,814 6,083 SH   SOLE   0 0 0
NUVEEN N Y MUN VALUE FD COM 67062M105   848,003 105,440 SH   SOLE   0 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   448,310 36,837 SH   SOLE   0 0 0
NVIDIA CORPORATION COM 67066G104   6,677,013 49,721 SH   SOLE   0 0 0
ORGANON &CO COMMON STOCK 68622V106   234,928 15,746 SH   SOLE   0 0 0
PACER FDS TR DEVELOPED MRKT 69374H873   1,321,459 45,271 SH   SOLE   0 0 0
PACER FDS TR PACER US SMALL 69374H857   511,936 11,632 SH   SOLE   0 0 0
PALO ALTO NETWORKS INC COM 697435105   532,415 2,926 SH   SOLE   0 0 0
PAYCHEX INC COM 704326107   524,229 3,739 SH   SOLE   0 0 0
PFIZER INC COM 717081103   1,725,625 65,044 SH   SOLE   0 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,554,910 8,063 SH   SOLE   0 0 0
PROCTER AND GAMBLE CO COM 742718109   412,639 2,461 SH   SOLE   0 0 0
PROVIDENT FINL SVCS INC COM 74386T105   924,598 48,998 SH   SOLE   0 0 0
PUTNAM MUN OPPORTUNITIES TR SH BEN INT 746922103   252,064 24,883 SH   SOLE   0 0 0
QUALCOMM INC COM 747525103   311,461 2,027 SH   SOLE   0 0 0
ROYAL CARIBBEAN GROUP COM V7780T103   279,135 1,210 SH   SOLE   0 0 0
RTX CORPORATION COM 75513E101   320,117 2,766 SH   SOLE   0 0 0
RYDER SYS INC COM 783549108   258,035 1,645 SH   SOLE   0 0 0
SALESFORCE INC COM 79466L302   424,582 1,270 SH   SOLE   0 0 0
SCHWAB CHARLES CORP COM 808513105   293,030 3,959 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   440,009 5,813 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   443,592 5,179 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   283,769 2,063 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR INDL 81369Y704   222,279 1,687 SH   SOLE   0 0 0
SOUTHERN CO COM 842587107   260,903 3,169 SH   SOLE   0 0 0
SPDR GOLD TR GOLD SHS 78463V107   1,659,559 6,854 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,679,796 2,866 SH   SOLE   0 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   1,272,184 18,454 SH   SOLE   0 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201   1,257,170 14,141 SH   SOLE   0 0 0
SPROUTS FMRS MKT INC COM 85208M102   450,590 3,546 SH   SOLE   0 0 0
SUNCOR ENERGY INC NEW COM 867224107   316,431 8,869 SH   SOLE   0 0 0
TESLA INC COM 88160R101   1,488,554 3,686 SH   SOLE   0 0 0
TRAVELERS COMPANIES INC COM 89417E109   246,634 1,024 SH   SOLE   0 0 0
UNITED AIRLS HLDGS INC COM 910047109   291,300 3,000 SH   SOLE   0 0 0
UNITED RENTALS INC COM 911363109   469,861 667 SH   SOLE   0 0 0
UNUM GROUP COM 91529Y106   216,899 2,970 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   538,686 1,000 SH   SOLE   0 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   278,763 6,330 SH   SOLE   0 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   306,454 1,565 SH   SOLE   0 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   267,061 2,093 SH   SOLE   0 0 0
VEEVA SYS INC CL A COM 922475108   3,259,716 15,504 SH   SOLE   0 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   448,679 11,220 SH   SOLE   0 0 0
VISA INC COM CL A 92826C839   553,176 1,750 SH   SOLE   0 0 0
WALMART INC COM 931142103   1,308,541 14,483 SH   SOLE   0 0 0
WASTE MGMT INC DEL COM 94106L109   1,018,415 5,047 SH   SOLE   0 0 0
WHEATON PRECIOUS METALS CORP COM 962879102   231,955 4,124 SH   SOLE   0 0 0
ZOOM COMMUNICATIONS INC CL A 98980L101   238,954 2,928 SH   SOLE   0 0 0