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
3M CO COM 88579Y101   639,195 5,330 SH   SOLE 0 0 0 5,330
ABBVIE INC COM 00287Y109   1,166,803 7,220 SH   SOLE 0 0 0 7,220
ADVANCED MICRO DEVICES INC COM 007903107   330,593 5,104 SH   SOLE 0 0 0 5,104
ALPHABET INC CAP STK CL A 02079K305   793,276 8,991 SH   SOLE 0 0 0 8,991
ALTRIA GROUP INC COM 02209S103   368,376 8,059 SH   SOLE 0 0 0 8,059
AMAZON COM INC COM 023135106   751,813 8,950 SH   SOLE 0 0 0 8,950
AMERICAN ELEC PWR CO INC COM 025537101   207,096 2,181 SH   SOLE 0 0 0 2,181
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   171,970 10,898 SH   SOLE 0 0 0 10,898
APPLE INC COM 037833100   3,395,793 26,136 SH   SOLE 0 0 0 26,136
ARK ETF TR GENOMIC REV ETF 00214Q302   407,768 14,444 SH   SOLE 0 0 0 14,444
AT&T INC COM 00206R102   410,912 22,320 SH   SOLE 0 0 0 22,320
AUTOMATIC DATA PROCESSING IN COM 053015103   969,998 4,061 SH   SOLE 0 0 0 4,061
BANK NEW YORK MELLON CORP COM 064058100   504,156 11,075 SH   SOLE 0 0 0 11,075
BECTON DICKINSON & CO COM 075887109   844,060 3,319 SH   SOLE 0 0 0 3,319
BERKLEY W R CORP COM 084423102   767,087 10,570 SH   SOLE 0 0 0 10,570
BERKSHIRE HATHAWAY INC DEL CL A 084670108   468,711 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   405,895 1,314 SH   SOLE 0 0 0 1,314
BLOCK INC CL A 852234103   200,083 3,184 SH   SOLE 0 0 0 3,184
CATERPILLAR INC COM 149123101   480,041 2,004 SH   SOLE 0 0 0 2,004
CHEVRON CORP NEW COM 166764100   1,072,391 5,975 SH   SOLE 0 0 0 5,975
CIA ENERGETICA DE MINAS GERA SP ADR N-V PFD 204409601   20,615 10,155 SH   SOLE 0 0 0 10,155
CISCO SYS INC COM 17275R102   203,041 4,262 SH   SOLE 0 0 0 4,262
CITIGROUP INC COM NEW 172967424   436,549 9,652 SH   SOLE 0 0 0 9,652
COCA COLA CO COM 191216100   941,297 14,798 SH   SOLE 0 0 0 14,798
CONSOLIDATED EDISON INC COM 209115104   204,923 2,150 SH   SOLE 0 0 0 2,150
COSTCO WHSL CORP NEW COM 22160K105   940,530 2,060 SH   SOLE 0 0 0 2,060
CRISPR THERAPEUTICS AG NAMEN AKT H17182108   333,533 8,205 SH   SOLE 0 0 0 8,205
CVS HEALTH CORP COM 126650100   933,344 10,015 SH   SOLE 0 0 0 10,015
DISNEY WALT CO COM 254687106   394,190 4,537 SH   SOLE 0 0 0 4,537
DOLLAR GEN CORP NEW COM 256677105   744,972 3,025 SH   SOLE 0 0 0 3,025
DOMINION ENERGY INC COM 25746U109   826,779 13,483 SH   SOLE 0 0 0 13,483
DUKE ENERGY CORP NEW COM NEW 26441C204   707,919 6,874 SH   SOLE 0 0 0 6,874
ENBRIDGE INC COM 29250N105   248,973 6,368 SH   SOLE 0 0 0 6,368
EXXON MOBIL CORP COM 30231G102   1,149,896 10,425 SH   SOLE 0 0 0 10,425
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   2,817,459 118,182 SH   SOLE 0 0 0 118,182
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143   4,738,023 43,576 SH   SOLE 0 0 0 43,576
GABELLI UTIL TR COM 36240A101   272,224 36,248 SH   SOLE 0 0 0 36,248
GILEAD SCIENCES INC COM 375558103   341,072 3,973 SH   SOLE 0 0 0 3,973
HOME DEPOT INC COM 437076102   508,929 1,611 SH   SOLE 0 0 0 1,611
HONEYWELL INTL INC COM 438516106   230,463 1,075 SH   SOLE 0 0 0 1,075
IDEXX LABS INC COM 45168D104   203,980 500 SH   SOLE 0 0 0 500
INTERNATIONAL BUSINESS MACHS COM 459200101   515,546 3,659 SH   SOLE 0 0 0 3,659
INVESCO EXCH TRADED FD TR II S&P 500 HB ETF 46138E370   4,688,343 75,218 SH   SOLE 0 0 0 75,218
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   213,278 11,270 SH   SOLE 0 0 0 11,270
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   218,793 10,429 SH   SOLE 0 0 0 10,429
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   224,641 10,966 SH   SOLE 0 0 0 10,966
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   216,092 10,730 SH   SOLE 0 0 0 10,730
INVESCO QQQ TR UNIT SER 1 46090E103   687,283 2,581 SH   SOLE 0 0 0 2,581
INVESCO VALUE MUN INCOME TR COM 46132P108   649,917 53,935 SH   SOLE 0 0 0 53,935
ISHARES GOLD TR ISHARES NEW 464285204   5,536,925 160,073 SH   SOLE 0 0 0 160,073
ISHARES INC CORE MSCI EMKT 46434G103   273,378 5,854 SH   SOLE 0 0 0 5,854
ISHARES SILVER TR ISHARES 46428Q109   1,769,809 80,373 SH   SOLE 0 0 0 80,373
ISHARES TR TIPS BD ETF 464287176   6,236,228 58,589 SH   SOLE 0 0 0 58,589
ISHARES TR MSCI USA MIN VOL 46429B697   401,545 5,569 SH   SOLE 0 0 0 5,569
ISHARES TR 7-10 YR TRSY BD 464287440   576,574 6,020 SH   SOLE 0 0 0 6,020
ISHARES TR MSCI USA QLT FCT 46432F339   1,145,011 10,047 SH   SOLE 0 0 0 10,047
ISHARES TR FLTG RATE NT ETF 46429B655   217,090 4,313 SH   SOLE 0 0 0 4,313
ISHARES TR JPMORGAN USD EMG 464288281   531,401 6,282 SH   SOLE 0 0 0 6,282
ISHARES TR SP SMCP600VL ETF 464287879   202,233 2,215 SH   SOLE 0 0 0 2,215
ISHARES TR CORE S&P SCP ETF 464287804   689,450 7,285 SH   SOLE 0 0 0 7,285
ISHARES TR US TREAS BD ETF 46429B267   220,868 9,721 SH   SOLE 0 0 0 9,721
ISHARES TR IBOXX INV CP ETF 464287242   1,711,075 16,229 SH   SOLE 0 0 0 16,229
ISHARES TR GRWT ALLOCAT ETF 464289867   4,656,715 98,743 SH   SOLE 0 0 0 98,743
ISHARES TR ISHS 5-10YR INVT 464288638   274,042 5,535 SH   SOLE 0 0 0 5,535
ISHARES TR S&P 500 GRWT ETF 464287309   349,578 5,976 SH   SOLE 0 0 0 5,976
ISHARES TR CORE MSCI EAFE 46432F842   202,080 3,278 SH   SOLE 0 0 0 3,278
ISHARES TR RUSSELL 2000 ETF 464287655   304,999 1,749 SH   SOLE 0 0 0 1,749
ISHARES TR S&P 500 VAL ETF 464287408   369,770 2,549 SH   SOLE 0 0 0 2,549
ISHARES TR 20 YR TR BD ETF 464287432   3,116,995 31,308 SH   SOLE 0 0 0 31,308
ISHARES TR CORE S&P MCP ETF 464287507   4,881,139 20,179 SH   SOLE 0 0 0 20,179
ISHARES TR U.S. REAL ES ETF 464287739   3,961,191 47,051 SH   SOLE 0 0 0 47,051
ISHARES TR MSCI USA MMENTM 46432F396   451,317 3,093 SH   SOLE 0 0 0 3,093
ISHARES TR CORE S&P500 ETF 464287200   10,933,398 28,457 SH   SOLE 0 0 0 28,457
JOHNSON & JOHNSON COM 478160104   1,432,846 8,111 SH   SOLE 0 0 0 8,111
JPMORGAN CHASE & CO COM 46625H100   303,665 2,264 SH   SOLE 0 0 0 2,264
KRANESHARES TR CSI CHI INTERNET 500767306   467,319 15,474 SH   SOLE 0 0 0 15,474
KROGER CO COM 501044101   576,821 12,939 SH   SOLE 0 0 0 12,939
LILLY ELI & CO COM 532457108   484,055 1,323 SH   SOLE 0 0 0 1,323
LOCKHEED MARTIN CORP COM 539830109   268,794 553 SH   SOLE 0 0 0 553
LOWES COS INC COM 548661107   417,548 2,096 SH   SOLE 0 0 0 2,096
LUCID GROUP INC COM 549498103   180,531 26,432 SH   SOLE 0 0 0 26,432
MCDONALDS CORP COM 580135101   683,322 2,593 SH   SOLE 0 0 0 2,593
MERCK & CO INC COM 58933Y105   554,737 5,000 SH   SOLE 0 0 0 5,000
META PLATFORMS INC CL A 30303M102   480,283 3,991 SH   SOLE 0 0 0 3,991
MICROSOFT CORP COM 594918104   2,031,657 8,472 SH   SOLE 0 0 0 8,472
NETFLIX INC COM 64110L106   217,033 736 SH   SOLE 0 0 0 736
NUVEEN AMT FREE QLTY MUN INC COM 670657105   129,558 11,395 SH   SOLE 0 0 0 11,395
PALO ALTO NETWORKS INC COM 697435105   703,421 5,041 SH   SOLE 0 0 0 5,041
PARAMOUNT GLOBAL CLASS B COM 92556H206   213,358 12,640 SH   SOLE 0 0 0 12,640
PEPSICO INC COM 713448108   290,005 1,605 SH   SOLE 0 0 0 1,605
PFIZER INC COM 717081103   501,454 9,786 SH   SOLE 0 0 0 9,786
PHILIP MORRIS INTL INC COM 718172109   469,656 4,640 SH   SOLE 0 0 0 4,640
PROCTER AND GAMBLE CO COM 742718109   1,402,118 9,251 SH   SOLE 0 0 0 9,251
PROSHARES TR II VIX MDTRM FUTR N 74347W338   586,859 19,330 SH   SOLE 0 0 0 19,330
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   682,376 11,137 SH   SOLE 0 0 0 11,137
RAYTHEON TECHNOLOGIES CORP COM 75513E101   207,999 2,061 SH   SOLE 0 0 0 2,061
SELECT SECTOR SPDR TR ENERGY 81369Y506   205,377 2,348 SH   SOLE 0 0 0 2,348
SENSEONICS HLDGS INC COM 81727U105   20,621 20,020 SH   SOLE 0 0 0 20,020
SHELL PLC SPON ADS 780259305   240,795 4,228 SH   SOLE 0 0 0 4,228
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   5,148,098 15,538 SH   SOLE 0 0 0 15,538
SPDR GOLD TR GOLD SHS 78463V107   2,123,059 12,515 SH   SOLE 0 0 0 12,515
SPDR S&P 500 ETF TR TR UNIT 78462F103   520,687 1,362 SH   SOLE 0 0 0 1,362
STANLEY BLACK & DECKER INC COM 854502101   347,472 4,626 SH   SOLE 0 0 0 4,626
TEKLA WORLD HEALTHCARE FD BEN INT SHS 87911L108   412,588 28,163 SH   SOLE 0 0 0 28,163
TESLA INC COM 88160R101   470,548 3,820 SH   SOLE 0 0 0 3,820
TRANE TECHNOLOGIES PLC SHS G8994E103   266,898 1,588 SH   SOLE 0 0 0 1,588
TRAVELERS COMPANIES INC COM 89417E109   821,953 4,384 SH   SOLE 0 0 0 4,384
TRUIST FINL CORP COM 89832Q109   748,267 17,389 SH   SOLE 0 0 0 17,389
UNITED PARCEL SERVICE INC CL B 911312106   241,350 1,388 SH   SOLE 0 0 0 1,388
VALLEY NATL BANCORP COM 919794107   115,531 10,215 SH   SOLE 0 0 0 10,215
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   286,325 6,037 SH   SOLE 0 0 0 6,037
VANGUARD INDEX FDS SM CP VAL ETF 922908611   4,262,176 26,840 SH   SOLE 0 0 0 26,840
VANGUARD INDEX FDS TOTAL STK MKT 922908769   201,896 1,056 SH   SOLE 0 0 0 1,056
VANGUARD INDEX FDS VALUE ETF 922908744   607,825 4,330 SH   SOLE 0 0 0 4,330
VERIZON COMMUNICATIONS INC COM 92343V104   913,529 23,186 SH   SOLE 0 0 0 23,186
VERU INC COM 92536C103   105,600 20,000 SH   SOLE 0 0 0 20,000
VISA INC COM CL A 92826C839   203,586 980 SH   SOLE 0 0 0 980
WALMART INC COM 931142103   1,080,915 7,623 SH   SOLE 0 0 0 7,623
WHEELS UP EXPERIENCE INC COM CL A 96328L106   11,408 11,076 SH   SOLE 0 0 0 11,076