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
AMAZON COM INC COM 023135106   4,753,728 36,466 SH   SOLE   0 0 36,466
ULTA BEAUTY INC COM 90384S303   261,180 555 SH   SOLE   0 0 555
INVESCO QQQ TR UNIT SER 1 46090E103   417,075 1,129 SH   SOLE   0 0 1,129
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   276,611 4,418 SH   SOLE   0 0 4,418
ISHARES GOLD TR ISHARES NEW 464285204   6,378,010 175,268 SH   SOLE   0 0 175,268
JOHNSON & JOHNSON COM 478160104   1,054,126 6,369 SH   SOLE   0 0 6,369
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225   1,940,345 21,321 SH   SOLE   0 0 21,321
COSTCO WHSL CORP NEW COM 22160K105   206,738 384 SH   SOLE   0 0 384
FIRST TR EXCHANGE TRADED FD MATERIALS ALPH 33734X168   1,862,931 29,022 SH   SOLE   0 0 29,022
LAS VEGAS SANDS CORP COM 517834107   253,576 4,372 SH   SOLE   0 0 4,372
SPDR SER TR NUVEEN BLMBRG SH 78468R739   5,216,690 110,875 SH   SOLE   0 0 110,875
LAKELAND BANCORP INC COM 511637100   1,245,368 93,007 SH   SOLE   0 0 93,007
PROCTER AND GAMBLE CO COM 742718109   1,156,149 7,619 SH   SOLE   0 0 7,619
COCA COLA CO COM 191216100   4,273,888 70,971 SH   SOLE   0 0 70,971
NETFLIX INC COM 64110L106   297,331 675 SH   SOLE   0 0 675
MERCK & CO INC COM 58933Y105   307,021 2,661 SH   SOLE   0 0 2,661
MCKESSON CORP COM 58155Q103   295,699 692 SH   SOLE   0 0 692
MASTERCARD INCORPORATED CL A 57636Q104   204,909 521 SH   SOLE   0 0 521
DIREXION SHS ETF TR DLY TECH BULL 3X 25459W102   229,585 4,250 SH   SOLE   0 0 4,250
VERIZON COMMUNICATIONS INC COM 92343V104   278,304 7,483 SH   SOLE   0 0 7,483
HONEYWELL INTL INC COM 438516106   248,378 1,197 SH   SOLE   0 0 1,197
HOME DEPOT INC COM 437076102   261,150 841 SH   SOLE   0 0 841
AUTOMATIC DATA PROCESSING IN COM 053015103   1,718,538 7,819 SH   SOLE   0 0 7,819
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   533,825 3,223 SH   SOLE   0 0 3,223
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   1,080,048 20,891 SH   SOLE   0 0 20,891
ISHARES TR INDIA 50 ETF 464289529   5,061,151 112,370 SH   SOLE   0 0 112,370
AON PLC SHS CL A G0403H108   207,810 602 SH   SOLE   0 0 602
ISHARES TR IBONDS 27 ETF 46435UAA9   17,388,479 740,566 SH   SOLE   0 0 740,566
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   20,176,648 59,169 SH   SOLE   0 0 59,169
ADOBE SYSTEMS INCORPORATED COM 00724F101   209,288 428 SH   SOLE   0 0 428
ALPHABET INC CAP STK CL A 02079K305   207,345 1,645 SH   SOLE   0 0 1,645
PG&E CORP COM 69331C108   267,132 15,459 SH   SOLE   0 0 15,459
OREILLY AUTOMOTIVE INC COM 67103H107   277,037 290 SH   SOLE   0 0 290
COMCAST CORP NEW CL A 20030N101   392,274 9,441 SH   SOLE   0 0 9,441
ISHARES TR IBONDS DEC 46435U697   2,710,540 105,223 SH   SOLE   0 0 105,223
MICROSOFT CORP COM 594918104   6,270,068 18,412 SH   SOLE   0 0 18,412
CANADIAN NAT RES LTD COM 136385101   270,611 4,810 SH   SOLE   0 0 4,810
FIRST TR EXCHANGE-TRADED FD NASDQ FOD BVRG 33738R852   1,940,292 74,000 SH   SOLE   0 0 74,000
AMERIPRISE FINL INC COM 03076C106   679,932 2,047 SH   SOLE   0 0 2,047
CLOUDFLARE INC CL A COM 18915M107   309,069 4,728 SH   SOLE   0 0 4,728
ISHARES TR IBDS DEC28 ETF 46435U515   17,137,851 699,504 SH   SOLE   0 0 699,504
TESLA INC COM 88160R101   334,019 1,276 SH   SOLE   0 0 1,276
ISHARES TR IBONDS DEC 25 46435U432   2,700,959 102,562 SH   SOLE   0 0 102,562
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,055,878 2,388 SH   SOLE   0 0 2,388
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   1,927,474 23,415 SH   SOLE   0 0 23,415
FIRST TR EXCHANGE TRADED FD INDLS PROD DUR 33734X150   4,197,214 69,849 SH   SOLE   0 0 69,849
KKR & CO INC COM 48251W104   252,000 4,500 SH   SOLE   0 0 4,500
ISHARES TR IBONDS DEC 26 46435U259   1,422,882 56,508 SH   SOLE   0 0 56,508
ISHARES TR IBONDS DEC 28 46435U325   1,455,164 57,836 SH   SOLE   0 0 57,836
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   354,907 2,372 SH   SOLE   0 0 2,372
ISHARES TR IBONDS DEC 27 46435U283   1,323,911 52,819 SH   SOLE   0 0 52,819
ISHARES TR IBONDS DEC 29 46436E205   17,145,851 763,735 SH   SOLE   0 0 763,735
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703   2,202,620 14,147 SH   SOLE   0 0 14,147
DIREXION SHS ETF TR DLY SEMICNDTR BR 25460G336   355,320 36,000 SH   SOLE   0 0 36,000
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   276,301 4,399 SH   SOLE   0 0 4,399
ISHARES TR IBONDS DEC 2030 46436E726   17,115,099 807,316 SH   SOLE   0 0 807,316
MARATHON PETE CORP COM 56585A102   567,376 4,866 SH   SOLE   0 0 4,866
VISA INC COM CL A 92826C839   282,804 1,191 SH   SOLE   0 0 1,191
BLUE FOUNDRY BANCORP COM 09549B104   266,560 26,366 SH   SOLE   0 0 26,366
ISHARES TR MSCI USA MIN VOL 46429B697   398,780 5,365 SH   SOLE   0 0 5,365
DIREXION SHS ETF TR NAS100 EQL WGT 25459Y207   282,132 3,665 SH   SOLE   0 0 3,665
META PLATFORMS INC CL A 30303M102   297,024 1,035 SH   SOLE   0 0 1,035
ISHARES INC JP MRGN EM HI BD 464286285   9,264,556 263,722 SH   SOLE   0 0 263,722
PIMCO DYNAMIC INCOME FD SHS 72201Y101   690,656 36,835 SH   SOLE   0 0 36,835
ALPS ETF TR SECTR DIV DOGS 00162Q858   1,161,196 23,238 SH   SOLE   0 0 23,238
BROADCOM INC COM 11135F101   238,543 275 SH   SOLE   0 0 275
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   358,431 4,412 SH   SOLE   0 0 4,412
NVIDIA CORPORATION COM 67066G104   933,182 2,206 SH   SOLE   0 0 2,206
ISHARES TR SHORT TREAS BD 464288679   171,057,954 1,548,737 SH   SOLE   0 0 1,548,737
GENUINE PARTS CO COM 372460105   284,306 1,680 SH   SOLE   0 0 1,680
CHURCH & DWIGHT CO INC COM 171340102   274,129 2,735 SH   SOLE   0 0 2,735
STRYKER CORPORATION COM 863667101   233,089 764 SH   SOLE   0 0 764
GENERAL DYNAMICS CORP COM 369550108   214,935 999 SH   SOLE   0 0 999
CISCO SYS INC COM 17275R102   300,991 5,817 SH   SOLE   0 0 5,817
ADVANCED MICRO DEVICES INC COM 007903107   201,051 1,765 SH   SOLE   0 0 1,765
GENERAL ELECTRIC CO COM NEW 369604301   1,108,172 10,088 SH   SOLE   0 0 10,088
ISHARES TR IBONDS DEC2026 46435GAA0   17,365,280 739,893 SH   SOLE   0 0 739,893
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837   14,860,486 183,395 SH   SOLE   0 0 183,395
JPMORGAN CHASE & CO COM 46625H100   1,738,637 11,954 SH   SOLE   0 0 11,954
CHEVRON CORP NEW COM 166764100   4,566,209 29,019 SH   SOLE   0 0 29,019
ISHARES TR NATIONAL MUN ETF 464288414   8,667,806 81,212 SH   SOLE   0 0 81,212
CONOCOPHILLIPS COM 20825C104   598,141 5,773 SH   SOLE   0 0 5,773
ACACIA RESH CORP ACACIA TCH COM 003881307   49,920 12,000 SH   SOLE   0 0 12,000
BANK AMERICA CORP COM 060505104   204,798 7,138 SH   SOLE   0 0 7,138
WALMART INC COM 931142103   248,016 1,578 SH   SOLE   0 0 1,578
TEXAS INSTRS INC COM 882508104   201,982 1,122 SH   SOLE   0 0 1,122
PFIZER INC COM 717081103   274,610 7,487 SH   SOLE   0 0 7,487
3M CO COM 88579Y101   290,003 2,897 SH   SOLE   0 0 2,897
CATERPILLAR INC COM 149123101   4,383,676 17,816 SH   SOLE   0 0 17,816
ALPHABET INC CAP STK CL C 02079K107   4,358,591 35,943 SH   SOLE   0 0 35,943
AMERICAN EXPRESS CO COM 025816109   242,036 1,389 SH   SOLE   0 0 1,389
ARISTA NETWORKS INC COM 040413106   251,193 1,550 SH   SOLE   0 0 1,550
MERCADOLIBRE INC COM 58733R102   499,901 422 SH   SOLE   0 0 422
ISHARES TR CORE US AGGBD ET 464287226   1,598,936 16,324 SH   SOLE   0 0 16,324
ISHARES TR BLACKROCK ULTRA 46434V878   1,435,897 28,547 SH   SOLE   0 0 28,547
GARTNER INC COM 366651107   592,024 1,690 SH   SOLE   0 0 1,690
EXXON MOBIL CORP COM 30231G102   3,420,554 31,893 SH   SOLE   0 0 31,893
UNITEDHEALTH GROUP INC COM 91324P102   4,408,975 9,173 SH   SOLE   0 0 9,173
LOWES COS INC COM 548661107   205,703 911 SH   SOLE   0 0 911
ON SEMICONDUCTOR CORP COM 682189105   315,046 3,331 SH   SOLE   0 0 3,331
SHOPIFY INC CL A 82509L107   287,535 4,451 SH   SOLE   0 0 4,451
AUTOZONE INC COM 053332102   226,896 91 SH   SOLE   0 0 91
APPLE INC COM 037833100   9,877,499 50,925 SH   SOLE   0 0 50,925
ISHARES TR IBONDS DEC25 ETF 46434VBD1   16,757,769 687,357 SH   SOLE   0 0 687,357
ISHARES TR IBONDS DEC24 ETF 46434VBG4   25,046,165 1,017,310 SH   SOLE   0 0 1,017,310
INSULET CORP COM 45784P101   252,298 875 SH   SOLE   0 0 875