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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 2,124 14,269 SH   SOLE   14,269 0 0
ABB LTD SPONSORED ADR 000375204 1,455 44,994 SH   SOLE   44,994 0 0
ABBOTT LABS COM 002824100 2,977 25,152 SH   SOLE   25,152 0 0
ABBVIE INC COM 00287Y109 3,670 22,639 SH   SOLE   22,639 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,274 12,673 SH   SOLE   12,673 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 4,126 9,057 SH   SOLE   9,057 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,652 15,112 SH   SOLE   15,112 0 0
AEGON N V NY REGISTRY SHS 007924103 647 122,380 SH   SOLE   122,380 0 0
AFLAC INC COM 001055102 967 15,013 SH   SOLE   15,013 0 0
AIR PRODS & CHEMS INC COM 009158106 557 2,229 SH   SOLE   2,229 0 0
ALAUNOS THERAPEUTICS INC COM 98973P101 10 15,000 SH   SOLE   15,000 0 0
ALLEGION PLC ORD SHS G0176J109 202 1,836 SH   SOLE   1,836 0 0
ALPHABET INC CAP STK CL A 02079K305 9,637 3,465 SH   SOLE   3,465 0 0
ALPHABET INC CAP STK CL C 02079K107 9,890 3,541 SH   SOLE   3,541 0 0
ALTRIA GROUP INC COM 02209S103 717 13,727 SH   SOLE   13,727 0 0
AMAZON COM INC COM 023135106 16,520 5,068 SH   SOLE   5,068 0 0
AMCOR PLC ORD G0250X107 515 45,491 SH   SOLE   45,491 0 0
AMERICAN ELEC PWR CO INC COM 025537101 703 7,048 SH   SOLE   7,048 0 0
AMERICAN EXPRESS CO COM 025816109 3,149 16,841 SH   SOLE   16,841 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,159 4,613 SH   SOLE   4,613 0 0
AMERIPRISE FINL INC COM 03076C106 931 3,100 SH   SOLE   3,100 0 0
AMGEN INC COM 031162100 1,282 5,304 SH   SOLE   5,304 0 0
ANALOG DEVICES INC COM 032654105 996 6,030 SH   SOLE   6,030 0 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 256 4,269 SH   SOLE   4,269 0 0
ANTHEM INC COM 036752103 599 1,220 SH   SOLE   1,220 0 0
AON PLC SHS CL A G0403H108 1,204 3,696 SH   SOLE   3,696 0 0
APOLLO COML REAL ESTATE FIN NOTE 5.375%10/1 03762UAC9 515 518,000 SH   SOLE   518,000 0 0
APPLE INC COM 037833100 54,252 310,702 SH   SOLE   310,702 0 0
APPLIED MATLS INC COM 038222105 1,851 14,045 SH   SOLE   14,045 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 768 8,509 SH   SOLE   8,509 0 0
ARES CAPITAL CORP NOTE 4.625% 3/0 04010LAW3 175 155,000 SH   SOLE   155,000 0 0
ARGENX SE SPONSORED ADR 04016X101 565 1,793 SH   SOLE   1,793 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 1,679 2,514 SH   SOLE   2,514 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,622 24,456 SH   SOLE   24,456 0 0
AT&T INC COM 00206R102 1,507 63,778 SH   SOLE   63,778 0 0
ATI PHYSICAL THERAPY INC COM CL A 00216W109 45 24,000 SH   SOLE   24,000 0 0
ATLAS AIR WORLDWIDE HLDGS IN NOTE 2.250% 6/0 049164BH8 406 355,000 SH   SOLE   355,000 0 0
ATMOS ENERGY CORP COM 049560105 664 5,559 SH   SOLE   5,559 0 0
AUTODESK INC COM 052769106 229 1,069 SH   SOLE   1,069 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 3,385 14,877 SH   SOLE   14,877 0 0
AVANTOR INC COM 05352A100 428 12,645 SH   SOLE   12,645 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 194 34,055 SH   SOLE   34,055 0 0
BANCO SANTANDER S.A. ADR 05964H105 313 92,667 SH   SOLE   92,667 0 0
BANK NEW YORK MELLON CORP COM 064058100 613 12,357 SH   SOLE   12,357 0 0
BARCLAYS PLC ADR 06738E204 654 82,835 SH   SOLE   82,835 0 0
BECTON DICKINSON & CO COM 075887109 208 782 SH   SOLE   782 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,174 6 SH   SOLE   6 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 24,163 68,469 SH   SOLE   68,469 0 0
BHP GROUP LTD SPONSORED ADS 088606108 1,584 20,508 SH   SOLE   20,508 0 0
BIOCRYST PHARMACEUTICALS INC COM 09058V103 260 16,000 SH   SOLE   16,000 0 0
BK OF AMERICA CORP COM 060505104 4,226 102,513 SH   SOLE   102,513 0 0
BLACKROCK INC COM 09247X101 2,876 3,763 SH   SOLE   3,763 0 0
BLACKSTONE INC COM 09260D107 664 5,230 SH   SOLE   5,230 0 0
BLACKSTONE MORTGAGE TRUST IN NOTE 4.750% 3/1 09257WAC4 405 400,000 SH   SOLE   400,000 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 268 3,150 SH   SOLE   3,150 0 0
BOEING CO COM 097023105 1,232 6,434 SH   SOLE   6,434 0 0
BOOKING HOLDINGS INC COM 09857L108 918 391 SH   SOLE   391 0 0
BP PLC SPONSORED ADR 055622104 1,521 51,745 SH   SOLE   51,745 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 1,315 18,002 SH   SOLE   18,002 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 863 20,460 SH   SOLE   20,460 0 0
BROADCOM INC COM 11135F101 2,859 4,540 SH   SOLE   4,540 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 1,078 6,925 SH   SOLE   6,925 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,155 20,411 SH   SOLE   20,411 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 462 6,977 SH   SOLE   6,977 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 475 2,891 SH   SOLE   2,891 0 0
CAPITAL ONE FINL CORP COM 14040H105 1,023 7,792 SH   SOLE   7,792 0 0
CARDINAL HEALTH INC COM 14149Y108 672 11,854 SH   SOLE   11,854 0 0
CARNIVAL PLC ADR 14365C103 234 12,818 SH   SOLE   12,818 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 315 6,870 SH   SOLE   6,870 0 0
CATERPILLAR INC COM 149123101 1,989 8,928 SH   SOLE   8,928 0 0
CELANESE CORP DEL COM 150870103 444 3,109 SH   SOLE   3,109 0 0
CENTERPOINT ENERGY INC COM 15189T107 201 6,569 SH   SOLE   6,569 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 676 1,240 SH   SOLE   1,240 0 0
CHEVRON CORP NEW COM 166764100 5,949 36,532 SH   SOLE   36,532 0 0
CHUBB LIMITED COM H1467J104 2,921 13,654 SH   SOLE   13,654 0 0
CHURCH & DWIGHT CO INC COM 171340102 995 10,017 SH   SOLE   10,017 0 0
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601 380 117,989 SH   SOLE   117,989 0 0
CIGNA CORP NEW COM 125523100 1,031 4,302 SH   SOLE   4,302 0 0
CISCO SYS INC COM 17275R102 3,039 54,495 SH   SOLE   54,495 0 0
CITIGROUP INC COM NEW 172967424 1,570 29,393 SH   SOLE   29,393 0 0
CLOROX CO DEL COM 189054109 867 6,234 SH   SOLE   6,234 0 0
CME GROUP INC COM 12572Q105 326 1,371 SH   SOLE   1,371 0 0
COCA COLA CO COM 191216100 4,124 66,516 SH   SOLE   66,516 0 0
COLGATE PALMOLIVE CO COM 194162103 571 7,527 SH   SOLE   7,527 0 0
COLUMBIA FINL INC COM 197641103 442 20,566 SH   SOLE   20,566 0 0
COMCAST CORP NEW CL A 20030N101 2,344 50,061 SH   SOLE   50,061 0 0
CONOCOPHILLIPS COM 20825C104 1,874 18,736 SH   SOLE   18,736 0 0
CONSOLIDATED EDISON INC COM 209115104 1,072 11,320 SH   SOLE   11,320 0 0
CONSTELLATION ENERGY CORP COM 21037T109 255 4,537 SH   SOLE   4,537 0 0
COSAN S A ADS 22113B103 408 20,608 SH   SOLE   20,608 0 0
COSTCO WHSL CORP NEW COM 22160K105 5,306 9,215 SH   SOLE   9,215 0 0
CRH PLC ADR 12626K203 592 14,782 SH   SOLE   14,782 0 0
CRITEO S A SPONS ADS 226718104 658 24,164 SH   SOLE   24,164 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 504 2,728 SH   SOLE   2,728 0 0
CSX CORP COM 126408103 708 18,899 SH   SOLE   18,899 0 0
CVS HEALTH CORP COM 126650100 1,583 15,645 SH   SOLE   15,645 0 0
DANAHER CORPORATION COM 235851102 2,244 7,651 SH   SOLE   7,651 0 0
DECKERS OUTDOOR CORP COM 243537107 249 908 SH   SOLE   908 0 0
DEERE & CO COM 244199105 1,560 3,755 SH   SOLE   3,755 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 601 2,959 SH   SOLE   2,959 0 0
DISNEY WALT CO COM 254687106 3,686 26,874 SH   SOLE   26,874 0 0
DOLLAR GEN CORP NEW COM 256677105 249 1,119 SH   SOLE   1,119 0 0
DOMINION ENERGY INC COM 25746U109 865 10,184 SH   SOLE   10,184 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,559 13,964 SH   SOLE   13,964 0 0
DUPONT DE NEMOURS INC COM 26614N102 689 9,360 SH   SOLE   9,360 0 0
EATON CORP PLC SHS G29183103 1,444 9,513 SH   SOLE   9,513 0 0
EATON VANCE SR INCOME TR SH BEN INT 27826S103 237 37,336 SH   SOLE   37,336 0 0
EATON VANCE TX ADV GLBL DIV COM 27828S101 231 11,234 SH   SOLE   11,234 0 0
ECOLAB INC COM 278865100 249 1,410 SH   SOLE   1,410 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,020 8,662 SH   SOLE   8,662 0 0
EMCORE CORP COM NEW 290846203 81 22,020 SH   SOLE   22,020 0 0
EMERSON ELEC CO COM 291011104 2,488 25,377 SH   SOLE   25,377 0 0
ENI S P A SPONSORED ADR 26874R108 585 20,005 SH   SOLE   20,005 0 0
ENTERA BIO LTD SHS M40527109 34 11,830 SH   SOLE   11,830 0 0
EOG RES INC COM 26875P101 1,827 15,326 SH   SOLE   15,326 0 0
EOS ENERGY ENTERPRISES INC COM CL A 29415C101 42 10,000 SH   SOLE   10,000 0 0
EQUINIX INC COM 29444U700 722 973 SH   SOLE   973 0 0
EQUINOR ASA SPONSORED ADR 29446M102 1,057 28,191 SH   SOLE   28,191 0 0
ERICSSON ADR B SEK 10 294821608 336 36,738 SH   SOLE   36,738 0 0
ESSEX PPTY TR INC COM 297178105 661 1,912 SH   SOLE   1,912 0 0
EXELON CORP COM 30161N101 859 18,033 SH   SOLE   18,033 0 0
EXXON MOBIL CORP COM 30231G102 6,941 84,042 SH   SOLE   84,042 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101 776 6,360 SH   SOLE   6,360 0 0
FEDEX CORP COM 31428X106 776 3,352 SH   SOLE   3,352 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 396 3,947 SH   SOLE   3,947 0 0
FRANKLIN RESOURCES INC COM 354613101 646 23,140 SH   SOLE   23,140 0 0
FRESENIUS MED CARE AG&CO KGA SPONSORED ADR 358029106 627 18,603 SH   SOLE   18,603 0 0
GENERAL DYNAMICS CORP COM 369550108 971 4,028 SH   SOLE   4,028 0 0
GENERAL ELECTRIC CO COM NEW 369604301 783 8,559 SH   SOLE   8,559 0 0
GENERAL MTRS CO COM 37045V100 736 16,829 SH   SOLE   16,829 0 0
GENUINE PARTS CO COM 372460105 610 4,844 SH   SOLE   4,844 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 1,319 30,280 SH   SOLE   30,280 0 0
GLOBAL PMTS INC COM 37940X102 467 3,416 SH   SOLE   3,416 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,512 7,610 SH   SOLE   7,610 0 0
GUIDEWIRE SOFTWARE INC NOTE 1.250% 3/1 40171VAA8 64 61,666 SH   SOLE   61,666 0 0
HARMONY GOLD MINING CO LTD SPONSORED ADR 413216300 50 10,000 SH   SOLE   10,000 0 0
HARTFORD FDS EXCHANGE TRADED MUN OPORTUNITE 41653L503 12,835 327,164 SH   SOLE   327,164 0 0
HCA HEALTHCARE INC COM 40412C101 827 3,301 SH   SOLE   3,301 0 0
HERSHEY CO COM 427866108 225 1,040 SH   SOLE   1,040 0 0
HOME DEPOT INC COM 437076102 6,147 20,536 SH   SOLE   20,536 0 0
HONDA MOTOR LTD AMERN SHS 438128308 729 25,795 SH   SOLE   25,795 0 0
HONEYWELL INTL INC COM 438516106 2,900 14,903 SH   SOLE   14,903 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 1,006 29,399 SH   SOLE   29,399 0 0
HUBBELL INC COM 443510607 3,275 17,823 SH   SOLE   17,823 0 0
ICICI BANK LIMITED ADR 45104G104 401 21,194 SH   SOLE   21,194 0 0
ICON PLC SHS G4705A100 389 1,601 SH   SOLE   1,601 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,756 8,384 SH   SOLE   8,384 0 0
INFOSYS LTD SPONSORED ADR 456788108 1,030 41,400 SH   SOLE   41,400 0 0
ING GROEP N.V. SPONSORED ADR 456837103 580 55,586 SH   SOLE   55,586 0 0
INGREDION INC COM 457187102 384 4,403 SH   SOLE   4,403 0 0
INNOVIVA INC NOTE 2.125% 1/1 88338TAB0 72 65,000 SH   SOLE   65,000 0 0
INTEL CORP COM 458140100 3,418 68,963 SH   SOLE   68,963 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 358 2,708 SH   SOLE   2,708 0 0
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806 454 6,603 SH   SOLE   6,603 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,563 19,711 SH   SOLE   19,711 0 0
INTUIT COM 461202103 1,713 3,562 SH   SOLE   3,562 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 1,444 4,787 SH   SOLE   4,787 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 12,165 497,766 SH   SOLE   497,766 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 505 10,114 SH   SOLE   10,114 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 432 1,190 SH   SOLE   1,190 0 0
ISHARES GOLD TR ISHARES NEW 464285204 304 8,259 SH   SOLE   8,259 0 0
ISHARES INC CORE MSCI EMKT 46434G103 66,824 1,202,952 SH   SOLE   1,202,952 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 464 4,319 SH   SOLE   4,319 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 610 5,706 SH   SOLE   5,706 0 0
ISHARES TR CORE MSCI EAFE 46432F842 154,902 2,228,484 SH   SOLE   2,228,484 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 2,091 31,403 SH   SOLE   31,403 0 0
ISHARES TR CORE S&P MCP ETF 464287507 82,334 306,829 SH   SOLE   306,829 0 0
ISHARES TR CORE S&P SCP ETF 464287804 37,182 344,657 SH   SOLE   344,657 0 0
ISHARES TR CORE S&P TTL STK 464287150 4,719 46,755 SH   SOLE   46,755 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,540 3,394 SH   SOLE   3,394 0 0
ISHARES TR IBONDS DEC 46435U697 562 21,612 SH   SOLE   21,612 0 0
ISHARES TR IBONDS DEC 25 46435U432 639 23,966 SH   SOLE   23,966 0 0
ISHARES TR IBONDS DEC2022 46435G755 567 21,873 SH   SOLE   21,873 0 0
ISHARES TR IBONDS DEC2023 46435G318 570 22,370 SH   SOLE   22,370 0 0
ISHARES TR MBS ETF 464288588 207 2,036 SH   SOLE   2,036 0 0
ISHARES TR MSCI EAFE ETF 464287465 512 6,958 SH   SOLE   6,958 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 322 7,127 SH   SOLE   7,127 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 333 9,906 SH   SOLE   9,906 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 248 3,194 SH   SOLE   3,194 0 0
ISHARES TR NATIONAL MUN ETF 464288414 20,640 188,249 SH   SOLE   188,249 0 0
ISHARES TR PFD AND INCM SEC 464288687 1,226 33,652 SH   SOLE   33,652 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,021 7,280 SH   SOLE   7,280 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,153 6,946 SH   SOLE   6,946 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 250 2,087 SH   SOLE   2,087 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 566 2,757 SH   SOLE   2,757 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 740 9,688 SH   SOLE   9,688 0 0
ISHARES TR S&P 500 VAL ETF 464287408 621 3,991 SH   SOLE   3,991 0 0
ISHARES TR S&P MC 400GR ETF 464287606 416 5,388 SH   SOLE   5,388 0 0
ISHARES TR S&P MC 400VL ETF 464287705 382 3,487 SH   SOLE   3,487 0 0
ISHARES TR SELECT DIVID ETF 464287168 268 2,093 SH   SOLE   2,093 0 0
ISHARES TR TIPS BD ETF 464287176 352 2,823 SH   SOLE   2,823 0 0
JOHNSON & JOHNSON COM 478160104 7,046 39,756 SH   SOLE   39,756 0 0
JOHNSON CTLS INTL PLC SHS G51502105 495 7,556 SH   SOLE   7,556 0 0
JPMORGAN CHASE & CO COM 46625H100 8,472 62,151 SH   SOLE   62,151 0 0
KEYCORP COM 493267108 368 16,441 SH   SOLE   16,441 0 0
KIMBERLY-CLARK CORP COM 494368103 971 7,886 SH   SOLE   7,886 0 0
KINDER MORGAN INC DEL COM 49456B101 279 14,757 SH   SOLE   14,757 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 358 11,729 SH   SOLE   11,729 0 0
LAKELAND BANCORP INC COM 511637100 1,086 65,005 SH   SOLE   65,005 0 0
LAM RESEARCH CORP COM 512807108 795 1,479 SH   SOLE   1,479 0 0
LAUDER ESTEE COS INC CL A 518439104 593 2,178 SH   SOLE   2,178 0 0
LILLY ELI & CO COM 532457108 2,158 7,536 SH   SOLE   7,536 0 0
LINDE PLC SHS G5494J103 1,352 4,233 SH   SOLE   4,233 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 353 146,271 SH   SOLE   146,271 0 0
LOCKHEED MARTIN CORP COM 539830109 698 1,582 SH   SOLE   1,582 0 0
LOEWS CORP COM 540424108 217 3,348 SH   SOLE   3,348 0 0
LOWES COS INC COM 548661107 2,839 14,041 SH   SOLE   14,041 0 0
MAMAMANCINI S HLDGS INC COM 56146T103 32 19,000 SH   SOLE   19,000 0 0
MARRIOTT INTL INC NEW CL A 571903202 697 3,966 SH   SOLE   3,966 0 0
MARRIOTT VACATIONS WORLDWIDE NOTE 1.500% 9/1 57164YAB3 23 20,000 SH   SOLE   20,000 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,668 9,789 SH   SOLE   9,789 0 0
MASTERCARD INCORPORATED CL A 57636Q104 4,347 12,164 SH   SOLE   12,164 0 0
MCDONALDS CORP COM 580135101 3,180 12,861 SH   SOLE   12,861 0 0
MEDTRONIC PLC SHS G5960L103 1,983 17,873 SH   SOLE   17,873 0 0
MERCK & CO INC COM 58933Y105 2,523 30,747 SH   SOLE   30,747 0 0
META PLATFORMS INC CL A 30303M102 5,316 23,909 SH   SOLE   23,909 0 0
METLIFE INC COM 59156R108 1,574 22,390 SH   SOLE   22,390 0 0
MICRON TECHNOLOGY INC COM 595112103 1,013 13,002 SH   SOLE   13,002 0 0
MICROSOFT CORP COM 594918104 29,307 95,058 SH   SOLE   95,058 0 0
MITSUBISHI UFJ FINL GROUP IN SPONSORED ADS 606822104 1,679 271,290 SH   SOLE   271,290 0 0
MIZUHO FINANCIAL GROUP INC SPONSORED ADR 60687Y109 648 252,043 SH   SOLE   252,043 0 0
MODERNA INC COM 60770K107 796 4,619 SH   SOLE   4,619 0 0
MONDELEZ INTL INC CL A 609207105 2,136 34,025 SH   SOLE   34,025 0 0
MOODYS CORP COM 615369105 1,098 3,255 SH   SOLE   3,255 0 0
MORGAN STANLEY COM NEW 617446448 1,342 15,351 SH   SOLE   15,351 0 0
MORGAN STANLEY EMERGING MKTS COM 617477104 50 10,000 SH   SOLE   10,000 0 0
MURPHY USA INC COM 626755102 252 1,260 SH   SOLE   1,260 0 0
NATWEST GROUP PLC SPONS ADR 2 ORD 639057108 514 90,554 SH   SOLE   90,554 0 0
NETFLIX INC COM 64110L106 1,937 5,171 SH   SOLE   5,171 0 0
NEW MTN FIN CORP COM 647551100 2,037 147,067 SH   SOLE   147,067 0 0
NEW RELIC INC NOTE 0.500% 5/0 64829BAB6 416 415,000 SH   SOLE   415,000 0 0
NEW YORK CMNTY CAP TR V UNIT 11/01/2051 64944P307 370 7,176 SH   SOLE   7,176 0 0
NEXTERA ENERGY INC COM 65339F101 3,337 39,395 SH   SOLE   39,395 0 0
NICE LTD SPONSORED ADR 653656108 514 2,349 SH   SOLE   2,349 0 0
NIKE INC CL B 654106103 2,179 16,197 SH   SOLE   16,197 0 0
NOKIA CORP SPONSORED ADR 654902204 675 123,574 SH   SOLE   123,574 0 0
NOMURA HLDGS INC SPONSORED ADR 65535H208 101 23,982 SH   SOLE   23,982 0 0
NORDIC AMERICAN TANKERS LIMI COM G65773106 25 11,648 SH   SOLE   11,648 0 0
NORFOLK SOUTHN CORP COM 655844108 812 2,847 SH   SOLE   2,847 0 0
NOVARTIS AG SPONSORED ADR 66987V109 1,390 15,839 SH   SOLE   15,839 0 0
NOVO-NORDISK A S ADR 670100205 1,922 17,312 SH   SOLE   17,312 0 0
NUCOR CORP COM 670346105 377 2,537 SH   SOLE   2,537 0 0
NUTRIEN LTD COM 67077M108 428 4,116 SH   SOLE   4,116 0 0
NVIDIA CORPORATION COM 67066G104 8,106 29,708 SH   SOLE   29,708 0 0
NXP SEMICONDUCTORS N V COM N6596X109 236 1,277 SH   SOLE   1,277 0 0
OMNICOM GROUP INC COM 681919106 421 4,962 SH   SOLE   4,962 0 0
ORACLE CORP COM 68389X105 2,472 29,883 SH   SOLE   29,883 0 0
ORCHARD THERAPEUTICS PLC ADS 68570P101 16 22,000 SH   SOLE   22,000 0 0
ORIX CORP SPONSORED ADR 686330101 754 7,549 SH   SOLE   7,549 0 0
OTIS WORLDWIDE CORP COM 68902V107 261 3,397 SH   SOLE   3,397 0 0
PARK NATL CORP COM 700658107 415 3,161 SH   SOLE   3,161 0 0
PAYPAL HLDGS INC COM 70450Y103 1,901 16,434 SH   SOLE   16,434 0 0
PEARSON PLC SPONSORED ADR 705015105 534 53,519 SH   SOLE   53,519 0 0
PEOPLES UNITED FINANCIAL INC COM 712704105 725 36,287 SH   SOLE   36,287 0 0
PEPSICO INC COM 713448108 4,540 27,123 SH   SOLE   27,123 0 0
PFIZER INC COM 717081103 4,920 95,031 SH   SOLE   95,031 0 0
PHILIP MORRIS INTL INC COM 718172109 2,039 21,710 SH   SOLE   21,710 0 0
PHILLIPS 66 COM 718546104 425 4,916 SH   SOLE   4,916 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,687 9,147 SH   SOLE   9,147 0 0
PRICE T ROWE GROUP INC COM 74144T108 685 4,533 SH   SOLE   4,533 0 0
PROCORE TECHNOLOGIES INC COM 74275K108 397 6,852 SH   SOLE   6,852 0 0
PROCTER AND GAMBLE CO COM 742718109 6,480 42,410 SH   SOLE   42,410 0 0
PROGRESSIVE CORP COM 743315103 533 4,674 SH   SOLE   4,674 0 0
PROLOGIS INC. COM 74340W103 1,752 10,852 SH   SOLE   10,852 0 0
PRUDENTIAL FINL INC COM 744320102 279 2,364 SH   SOLE   2,364 0 0
PURE STORAGE INC NOTE 0.125% 4/1 74624MAB8 454 325,000 SH   SOLE   325,000 0 0
PURECYCLE TECHNOLOGIES INC COM 74623V103 102 12,701 SH   SOLE   12,701 0 0
QUALCOMM INC COM 747525103 1,935 12,665 SH   SOLE   12,665 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,620 26,446 SH   SOLE   26,446 0 0
REALTY INCOME CORP COM 756109104 667 9,629 SH   SOLE   9,629 0 0
REDWOOD TRUST INC NOTE 5.625% 7/1 758075AD7 11 11,000 SH   SOLE   11,000 0 0
RELX PLC SPONSORED ADR 759530108 997 32,048 SH   SOLE   32,048 0 0
RIO TINTO PLC SPONSORED ADR 767204100 1,150 14,309 SH   SOLE   14,309 0 0
RPM INTL INC COM 749685103 480 5,893 SH   SOLE   5,893 0 0
RYANAIR HOLDINGS PLC SPONSORED ADS 783513203 421 4,836 SH   SOLE   4,836 0 0
S&P GLOBAL INC COM 78409V104 1,026 2,502 SH   SOLE   2,502 0 0
SALESFORCE COM INC COM 79466L302 2,334 10,992 SH   SOLE   10,992 0 0
SANOFI SPONSORED ADR 80105N105 846 16,472 SH   SOLE   16,472 0 0
SAP SE SPON ADR 803054204 812 7,319 SH   SOLE   7,319 0 0
SCHLUMBERGER LTD COM STK 806857108 1,006 24,356 SH   SOLE   24,356 0 0
SCHWAB CHARLES CORP COM 808513105 8,039 95,350 SH   SOLE   95,350 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 569 9,730 SH   SOLE   9,730 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 223 6,923 SH   SOLE   6,923 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,533 28,467 SH   SOLE   28,467 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 210 4,442 SH   SOLE   4,442 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 546 8,987 SH   SOLE   8,987 0 0
SEA LTD SPONSORD ADS 81141R100 840 7,009 SH   SOLE   7,009 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,011 13,221 SH   SOLE   13,221 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 931 24,299 SH   SOLE   24,299 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 345 1,867 SH   SOLE   1,867 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 245 3,232 SH   SOLE   3,232 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 689 5,032 SH   SOLE   5,032 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 260 2,528 SH   SOLE   2,528 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,052 6,618 SH   SOLE   6,618 0 0
SERVICENOW INC COM 81762P102 1,039 1,865 SH   SOLE   1,865 0 0
SHELL PLC SPON ADS 780259305 553 10,076 SH   SOLE   10,076 0 0
SHERWIN WILLIAMS CO COM 824348106 1,088 4,357 SH   SOLE   4,357 0 0
SIGNATURE BK NEW YORK N Y COM 82669G104 243 828 SH   SOLE   828 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 1,225 11,922 SH   SOLE   11,922 0 0
SOUTHERN CO COM 842587107 1,083 14,936 SH   SOLE   14,936 0 0
SPDR GOLD TR GOLD SHS 78463V107 333 1,842 SH   SOLE   1,842 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,322 16,213 SH   SOLE   16,213 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 587 1,196 SH   SOLE   1,196 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 33,423 504,806 SH   SOLE   504,806 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 28,562 684,115 SH   SOLE   684,115 0 0
SPDR SER TR S&P METALS MNG 78464A755 314 5,122 SH   SOLE   5,122 0 0
STARBUCKS CORP COM 855244109 1,306 14,357 SH   SOLE   14,357 0 0
STRYKER CORPORATION COM 863667101 961 3,595 SH   SOLE   3,595 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 1,089 173,751 SH   SOLE   173,751 0 0
SUPERNUS PHARMACEUTICALS NOTE 0.625% 4/0 868459AD0 383 391,000 SH   SOLE   391,000 0 0
SYSCO CORP COM 871829107 671 8,224 SH   SOLE   8,224 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 544 5,222 SH   SOLE   5,222 0 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 409 28,536 SH   SOLE   28,536 0 0
TALARIS THERAPEUTICS INC COM 87410C104 586 59,520 SH   SOLE   59,520 0 0
TARGA RES CORP COM 87612G101 307 4,070 SH   SOLE   4,070 0 0
TARGET CORP COM 87612E106 1,998 9,413 SH   SOLE   9,413 0 0
TELEFONICA S A SPONSORED ADR 879382208 156 32,543 SH   SOLE   32,543 0 0
TENARIS S A SPONSORED ADS 88031M109 288 9,592 SH   SOLE   9,592 0 0
TERADYNE INC COM 880770102 203 1,713 SH   SOLE   1,713 0 0
TESLA INC COM 88160R101 10,758 9,983 SH   SOLE   9,983 0 0
TEXAS INSTRS INC COM 882508104 2,966 16,165 SH   SOLE   16,165 0 0
TEXTRON INC COM 883203101 241 3,235 SH   SOLE   3,235 0 0
THERAPEUTICSMD INC COM 88338N107 4 10,000 SH   SOLE   10,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 3,683 6,236 SH   SOLE   6,236 0 0
TJX COS INC NEW COM 872540109 991 16,365 SH   SOLE   16,365 0 0
TOLL BROTHERS INC COM 889478103 999 21,255 SH   SOLE   21,255 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 456 5,740 SH   SOLE   5,740 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109 1,303 25,773 SH   SOLE   25,773 0 0
TOYOTA MOTOR CORP ADS 892331307 2,228 12,362 SH   SOLE   12,362 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 339 2,223 SH   SOLE   2,223 0 0
TRAVELERS COMPANIES INC COM 89417E109 821 4,493 SH   SOLE   4,493 0 0
TRUIST FINL CORP COM 89832Q109 760 13,406 SH   SOLE   13,406 0 0
UBS GROUP AG SHS H42097107 398 20,380 SH   SOLE   20,380 0 0
UNILEVER PLC SPON ADR NEW 904767704 634 13,914 SH   SOLE   13,914 0 0
UNION PAC CORP COM 907818108 4,071 14,899 SH   SOLE   14,899 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,907 13,553 SH   SOLE   13,553 0 0
UNITEDHEALTH GROUP INC COM 91324P102 7,480 14,668 SH   SOLE   14,668 0 0
US BANCORP DEL COM NEW 902973304 1,657 31,171 SH   SOLE   31,171 0 0
V F CORP COM 918204108 549 9,649 SH   SOLE   9,649 0 0
VALERO ENERGY CORP COM 91913Y100 649 6,388 SH   SOLE   6,388 0 0
VALLEY NATL BANCORP COM 919794107 464 35,603 SH   SOLE   35,603 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 35,335 128,189 SH   SOLE   128,189 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 18,634 123,647 SH   SOLE   123,647 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 8,362 29,077 SH   SOLE   29,077 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 380 2,542 SH   SOLE   2,542 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 38,924 163,658 SH   SOLE   163,658 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 192,736 464,234 SH   SOLE   464,234 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 405 2,300 SH   SOLE   2,300 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 14,714 69,235 SH   SOLE   69,235 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 309 1,246 SH   SOLE   1,246 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,970 13,046 SH   SOLE   13,046 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 16,815 113,781 SH   SOLE   113,781 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 364 6,313 SH   SOLE   6,313 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 35,312 765,486 SH   SOLE   765,486 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 33,116 642,413 SH   SOLE   642,413 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 21,274 338,166 SH   SOLE   338,166 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 32,143 373,579 SH   SOLE   373,579 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 317 4,436 SH   SOLE   4,436 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 788 4,858 SH   SOLE   4,858 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 61,483 1,280,102 SH   SOLE   1,280,102 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 887 7,906 SH   SOLE   7,906 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,402 8,814 SH   SOLE   8,814 0 0
VERISK ANALYTICS INC COM 92345Y106 237 1,102 SH   SOLE   1,102 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,650 32,390 SH   SOLE   32,390 0 0
VIAVI SOLUTIONS INC NOTE 1.000% 3/0 925550AB1 253 195,000 SH   SOLE   195,000 0 0
VISA INC COM CL A 92826C839 4,582 20,662 SH   SOLE   20,662 0 0
VISHAY INTERTECHNOLOGY INC NOTE 2.250% 6/1 928298AP3 394 395,000 SH   SOLE   395,000 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 571 34,381 SH   SOLE   34,381 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 773 17,255 SH   SOLE   17,255 0 0
WALMART INC COM 931142103 1,427 9,582 SH   SOLE   9,582 0 0
WASTE MGMT INC DEL COM 94106L109 841 5,305 SH   SOLE   5,305 0 0
WEC ENERGY GROUP INC COM 92939U106 222 2,220 SH   SOLE   2,220 0 0
WELLS FARGO CO NEW COM 949746101 2,850 58,815 SH   SOLE   58,815 0 0
WNS HLDGS LTD SPON ADR 92932M101 385 4,500 SH   SOLE   4,500 0 0
WPP PLC NEW ADR 92937A102 661 10,102 SH   SOLE   10,102 0 0
YUM BRANDS INC COM 988498101 712 6,006 SH   SOLE   6,006 0 0
ZOETIS INC CL A 98978V103 1,384 7,338 SH   SOLE   7,338 0 0