RMR Wealth Builders 13F-HR Quarterly holdings report by institutional manager

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBOTT LABS	COM	002824100	1,751,423	15,912	SH		SOLE		0	0	15,912
ABBVIE INC	COM	00287Y109	1,670,615	10,780	SH		SOLE		0	0	10,780
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	1,583,767	4,513	SH		SOLE		0	0	4,513
ADOBE INC	COM	00724F101	2,536,743	4,252	SH		SOLE		0	0	4,252
ALIGN TECHNOLOGY INC	COM	016255101	224,132	818	SH		SOLE		0	0	818
ALPHABET INC	CAP STK CL C	02079K107	2,543,082	18,045	SH		SOLE		0	0	18,045
ALPHABET INC	CAP STK CL A	02079K305	3,144,841	22,513	SH		SOLE		0	0	22,513
AMAZON COM INC	COM	023135106	9,531,601	62,733	SH		SOLE		0	0	62,733
AMERICAN EXPRESS CO	COM	025816109	1,162,693	6,206	SH		SOLE		0	0	6,206
AMERICAN TOWER CORP NEW	COM	03027X100	1,219,972	5,651	SH		SOLE		0	0	5,651
APPLE INC	COM	037833100	22,048,591	114,520	SH		SOLE		0	0	114,520
APPLIED MATLS INC	COM	038222105	412,442	2,545	SH		SOLE		0	0	2,545
ARISTA NETWORKS INC	COM	040413106	1,641,034	6,968	SH		SOLE		0	0	6,968
ARK ETF TR	FINTECH INNOVA	00214Q708	443,418	16,078	SH		SOLE		0	0	507
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	1,585,096	2,094	SH		SOLE		0	0	2,094
BANK AMERICA CORP	COM	060505104	1,277,202	37,933	SH		SOLE		0	0	37,933
BCB BANCORP INC	COM	055298103	163,610	12,732	SH		SOLE		0	0	12,732
BECTON DICKINSON & CO	COM	075887109	587,156	2,408	SH		SOLE		0	0	2,408
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	542,625	1	SH		SOLE		0	0	1
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,076,981	5,823	SH		SOLE		0	0	5,823
BGC GROUP INC	CL A	088929104	146,205	20,250	SH		SOLE		0	0	20,250
BLACKROCK INC	COM	09247X101	1,651,242	2,034	SH		SOLE		0	0	2,034
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	136,437	11,958	SH		SOLE		0	0	11,958
BLACKROCK N Y MUN INCOME TRU	SH BEN INT	09248L106	232,839	22,112	SH		SOLE		0	0	22,112
BLACKSTONE INC	COM	09260D107	1,406,718	10,745	SH		SOLE		0	0	10,745
BOEING CO	COM	097023105	285,162	1,094	SH		SOLE		0	0	1,094
BOOKING HOLDINGS INC	COM	09857L108	436,308	123	SH		SOLE		0	0	123
BORGWARNER INC	COM	099724106	259,160	7,229	SH		SOLE		0	0	7,229
BOSTON SCIENTIFIC CORP	COM	101137107	546,940	9,461	SH		SOLE		0	0	9,461
BRISTOL-MYERS SQUIBB CO	COM	110122108	271,350	5,288	SH		SOLE		0	0	5,288
BROADCOM INC	COM	11135F101	7,311,158	6,550	SH		SOLE		0	0	6,550
CAPITAL ONE FINL CORP	COM	14040H105	524,480	4,000	SH		SOLE		0	0	4,000
CATERPILLAR INC	COM	149123101	689,049	2,330	SH		SOLE		0	0	2,330
CHEVRON CORP NEW	COM	166764100	2,292,758	15,371	SH		SOLE		0	0	15,371
CHIPOTLE MEXICAN GRILL INC	COM	169656105	708,958	310	SH		SOLE		0	0	310
CHUBB LIMITED	COM	H1467J104	988,054	4,372	SH		SOLE		0	0	4,372
CISCO SYS INC	COM	17275R102	372,961	7,382	SH		SOLE		0	0	7,382
CITIGROUP INC	COM NEW	172967424	534,462	10,390	SH		SOLE		0	0	10,390
CME GROUP INC	COM	12572Q105	1,371,661	6,513	SH		SOLE		0	0	6,513
COCA COLA CO	COM	191216100	1,812,176	30,751	SH		SOLE		0	0	30,751
COMCAST CORP NEW	CL A	20030N101	1,387,940	31,652	SH		SOLE		0	0	31,652
CONOCOPHILLIPS	COM	20825C104	246,533	2,124	SH		SOLE		0	0	2,124
CONSOLIDATED EDISON INC	COM	209115104	467,615	5,140	SH		SOLE		0	0	5,140
CONSTELLATION ENERGY CORP	COM	21037T109	403,483	3,452	SH		SOLE		0	0	3,452
CORNING INC	COM	219350105	578,065	18,984	SH		SOLE		0	0	18,984
COSTAR GROUP INC	COM	22160N109	1,213,672	13,888	SH		SOLE		0	0	13,888
COSTCO WHSL CORP NEW	COM	22160K105	2,549,455	3,862	SH		SOLE		0	0	3,862
CROWDSTRIKE HLDGS INC	CL A	22788C105	838,982	3,286	SH		SOLE		0	0	3,286
CSX CORP	COM	126408103	884,917	25,524	SH		SOLE		0	0	25,524
CVS HEALTH CORP	COM	126650100	1,065,723	13,497	SH		SOLE		0	0	13,497
DEERE & CO	COM	244199105	674,271	1,686	SH		SOLE		0	0	1,686
DEXCOM INC	COM	252131107	676,663	5,453	SH		SOLE		0	0	5,453
DISNEY WALT CO	COM	254687106	1,296,326	14,357	SH		SOLE		0	0	14,357
DOCUSIGN INC	COM	256163106	549,675	9,246	SH		SOLE		0	0	9,246
DOLLAR TREE INC	COM	256746108	245,320	1,727	SH		SOLE		0	0	1,727
DOW INC	COM	260557103	965,044	17,597	SH		SOLE		0	0	17,597
DRAFTKINGS INC NEW	COM CL A	26142V105	278,369	7,897	SH		SOLE		0	0	7,897
DUKE ENERGY CORP NEW	COM NEW	26441C204	981,818	10,118	SH		SOLE		0	0	10,118
EDWARDS LIFESCIENCES CORP	COM	28176E108	317,734	4,167	SH		SOLE		0	0	4,167
ELANCO ANIMAL HEALTH INC	COM	28414H103	345,725	23,203	SH		SOLE		0	0	23,203
ELECTRONIC ARTS INC	COM	285512109	536,842	3,924	SH		SOLE		0	0	3,924
ELI LILLY & CO	COM	532457108	2,053,272	3,522	SH		SOLE		0	0	3,522
ENBRIDGE INC	COM	29250N105	428,386	11,893	SH		SOLE		0	0	11,893
EXXON MOBIL CORP	COM	30231G102	2,472,864	24,734	SH		SOLE		0	0	24,734
FASTENAL CO	COM	311900104	527,616	8,146	SH		SOLE		0	0	8,146
FIDELITY COVINGTON TRUST	LOW VOLITY ETF	316092824	302,579	5,712	SH		SOLE		0	0	5,712
FIDELITY NATL INFORMATION SV	COM	31620M106	661,684	11,015	SH		SOLE		0	0	11,015
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	10,027,348	194,086	SH		SOLE		0	0	194,086
FIRST TR EXCH TRADED FD III	SHRT DUR MNG MUN	33739P830	9,563,124	479,355	SH		SOLE		0	0	479,355
FORTINET INC	COM	34959E109	271,052	4,631	SH		SOLE		0	0	4,631
FRONTLINE PLC	COM	M46528101	313,012	15,612	SH		SOLE		0	0	15,612
GARTNER INC	COM	366651107	327,506	726	SH		SOLE		0	0	726
GENERAL MTRS CO	COM	37045V100	893,007	24,861	SH		SOLE		0	0	24,861
GENWORTH FINL INC	COM CL A	37247D106	70,140	10,500	SH		SOLE		0	0	10,500
GILEAD SCIENCES INC	COM	375558103	898,604	11,093	SH		SOLE		0	0	11,093
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	492,668	9,672	SH		SOLE		0	0	200
GOLDMAN SACHS GROUP INC	COM	38141G104	996,070	2,582	SH		SOLE		0	0	2,582
GUIDEWIRE SOFTWARE INC	COM	40171V100	476,941	4,374	SH		SOLE		0	0	4,374
HERCULES CAPITAL INC	COM	427096508	265,086	15,902	SH		SOLE		0	0	15,902
HILTON WORLDWIDE HLDGS INC	COM	43300A203	697,654	3,831	SH		SOLE		0	0	3,831
HOME DEPOT INC	COM	437076102	3,507,012	10,120	SH		SOLE		0	0	10,120
HONEYWELL INTL INC	COM	438516106	1,414,473	6,745	SH		SOLE		0	0	6,745
HUMANA INC	COM	444859102	953,792	2,083	SH		SOLE		0	0	2,083
ICICI BANK LIMITED	ADR	45104G104	455,066	19,088	SH		SOLE		0	0	19,088
IDEX CORP	COM	45167R104	311,987	1,437	SH		SOLE		0	0	1,437
INTEL CORP	COM	458140100	1,311,335	26,096	SH		SOLE		0	0	26,096
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	886,698	6,904	SH		SOLE		0	0	6,904
INTERNATIONAL BUSINESS MACHS	COM	459200101	555,893	3,399	SH		SOLE		0	0	3,399
INTUIT	COM	461202103	1,252,329	2,004	SH		SOLE		0	0	2,004
INTUITIVE SURGICAL INC	COM NEW	46120E602	1,515,421	4,492	SH		SOLE		0	0	4,492
INVESCO EXCH TRADED FD TR II	NASDAQNXTGEN100	46138G631	595,954	22,081	SH		SOLE		0	0	514
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	46138G649	215,057	1,276	SH		SOLE		0	0	1,276
INVESCO QQQ TR	UNIT SER 1	46090E103	4,571,710	11,164	SH		SOLE		0	0	11,164
ISHARES TR	CORE S&P MCP ETF	464287507	55,816,434	201,394	SH		SOLE		0	0	94
ISHARES TR	CORE S&P SCP ETF	464287804	16,957,341	156,650	SH		SOLE		0	0	81
ISHARES TR	CORE MSCI EAFE	46432F842	29,143,457	414,264	SH		SOLE		0	0	218
ISHARES TR	CORE S&P500 ETF	464287200	244,216	511	SH		SOLE		0	0	511
ISHARES TR	1 3 YR TREAS BD	464287457	2,469,647	30,103	SH		SOLE		0	0	30,103
ISHARES TR	MSCI EAFE ETF	464287465	4,667,336	61,942	SH		SOLE		0	0	61,942
ISHARES TR	RUS MID CAP ETF	464287499	1,323,353	17,025	SH		SOLE		0	0	17,025
ISHARES TR	EXPND TEC SC ETF	464287549	683,972	1,526	SH		SOLE		0	0	1,526
ISHARES TR	RUS 1000 VAL ETF	464287598	22,477,054	136,018	SH		SOLE		0	0	136,018
ISHARES TR	RUS 1000 GRW ETF	464287614	34,963,197	115,325	SH		SOLE		0	0	115,325
ISHARES TR	RUSSELL 2000 ETF	464287655	7,615,768	37,944	SH		SOLE		0	0	37,944
ISHARES TR	RUSSELL 3000 ETF	464287689	205,130	749	SH		SOLE		0	0	749
ISHARES TR	SHRT NAT MUN ETF	464288158	19,786,177	187,671	SH		SOLE		0	0	187,671
ISHARES TR	NATIONAL MUN ETF	464288414	14,188,693	130,880	SH		SOLE		0	0	130,880
ISHARES TR	3 7 YR TREAS BD	464288661	527,085	4,500	SH		SOLE		0	0	4,500
ISHARES TR	SHORT TREAS BD	464288679	439,665	3,992	SH		SOLE		0	0	3,992
ISHARES TR	PFD AND INCM SEC	464288687	365,468	11,717	SH		SOLE		0	0	11,717
ISHARES TR	CORE DIVID ETF	46435U861	427,736	10,420	SH		SOLE		0	0	10,420
JOHNSON & JOHNSON	COM	478160104	700,052	4,466	SH		SOLE		0	0	4,466
JPMORGAN CHASE & CO	COM	46625H100	4,908,477	28,856	SH		SOLE		0	0	28,856
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	425,407	2,674	SH		SOLE		0	0	2,674
L3HARRIS TECHNOLOGIES INC	COM	502431109	292,762	1,390	SH		SOLE		0	0	1,390
LABORATORY CORP AMER HLDGS	COM NEW	50540R409	244,564	1,076	SH		SOLE		0	0	1,076
LINDE PLC	SHS	G54950103	951,315	2,316	SH		SOLE		0	0	2,316
LOWES COS INC	COM	548661107	384,686	1,729	SH		SOLE		0	0	1,729
LYONDELLBASELL INDUSTRIES N	SHS - A -	N53745100	649,692	6,833	SH		SOLE		0	0	6,833
MAIN STR CAP CORP	COM	56035L104	638,483	14,769	SH		SOLE		0	0	14,769
MARATHON PETE CORP	COM	56585A102	267,048	1,800	SH		SOLE		0	0	1,800
MARKETAXESS HLDGS INC	COM	57060D108	575,450	1,965	SH		SOLE		0	0	1,965
MARRIOTT INTL INC NEW	CL A	571903202	310,750	1,378	SH		SOLE		0	0	1,378
MARSH & MCLENNAN COS INC	COM	571748102	1,677,567	8,854	SH		SOLE		0	0	8,854
MARVELL TECHNOLOGY INC	COM	573874104	342,356	5,677	SH		SOLE		0	0	5,677
MASTERCARD INCORPORATED	CL A	57636Q104	1,745,460	4,092	SH		SOLE		0	0	4,092
MCDONALDS CORP	COM	580135101	1,138,023	3,838	SH		SOLE		0	0	3,838
MCKESSON CORP	COM	58155Q103	204,155	441	SH		SOLE		0	0	441
MERCADOLIBRE INC	COM	58733R102	372,455	237	SH		SOLE		0	0	237
MERCK & CO INC	COM	58933Y105	2,339,101	21,456	SH		SOLE		0	0	21,456
META PLATFORMS INC	CL A	30303M102	3,652,513	10,319	SH		SOLE		0	0	10,319
MICROCHIP TECHNOLOGY INC.	COM	595017104	682,669	7,570	SH		SOLE		0	0	7,570
MICRON TECHNOLOGY INC	COM	595112103	207,783	2,435	SH		SOLE		0	0	2,435
MICROSOFT CORP	COM	594918104	16,997,481	45,201	SH		SOLE		0	0	45,201
MIDDLEBY CORP	COM	596278101	421,936	2,867	SH		SOLE		0	0	2,867
MONDELEZ INTL INC	CL A	609207105	324,600	4,482	SH		SOLE		0	0	4,482
MONOLITHIC PWR SYS INC	COM	609839105	821,276	1,302	SH		SOLE		0	0	1,302
MORGAN STANLEY	COM NEW	617446448	366,639	3,932	SH		SOLE		0	0	3,932
NETFLIX INC	COM	64110L106	1,194,580	2,454	SH		SOLE		0	0	2,454
NEXTERA ENERGY INC	COM	65339F101	858,791	14,139	SH		SOLE		0	0	14,139
NIKE INC	CL B	654106103	1,128,298	10,392	SH		SOLE		0	0	10,392
NUCOR CORP	COM	670346105	759,533	4,364	SH		SOLE		0	0	4,364
NUVEEN AMT FREE MUN CR INC F	COM	67071L106	130,729	11,060	SH		SOLE		0	0	11,060
NUVEEN NEW JERSEY QULT MUN F	COM	67069Y102	593,250	50,361	SH		SOLE		0	0	50,361
NUVEEN NEW YORK AMT QLT MUNI	COM	670656107	699,013	66,383	SH		SOLE		0	0	66,383
NVIDIA CORPORATION	COM	67066G104	12,568,968	25,381	SH		SOLE		0	0	25,381
OLD DOMINION FREIGHT LINE IN	COM	679580100	333,611	823	SH		SOLE		0	0	823
PACCAR INC	COM	693718108	838,871	8,591	SH		SOLE		0	0	8,591
PALO ALTO NETWORKS INC	COM	697435105	652,275	2,212	SH		SOLE		0	0	2,212
PAYPAL HLDGS INC	COM	70450Y103	280,521	4,568	SH		SOLE		0	0	4,568
PHILIP MORRIS INTL INC	COM	718172109	257,669	2,739	SH		SOLE		0	0	2,739
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	3,179,173	87,148	SH		SOLE		0	0	87,148
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	8,777,623	94,302	SH		SOLE		0	0	29
PIMCO ETF TR	MULTISECTOR BD	72201R585	436,562	17,010	SH		SOLE		0	0	17,010
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	340,727	3,414	SH		SOLE		0	0	3,414
PIMCO HIGH INCOME FD	COM SHS	722014107	52,599	10,541	SH		SOLE		0	0	10,541
PNC FINL SVCS GROUP INC	COM	693475105	1,015,969	6,561	SH		SOLE		0	0	6,561
POOL CORP	COM	73278L105	201,349	505	SH		SOLE		0	0	505
PROCTER AND GAMBLE CO	COM	742718109	1,368,697	9,340	SH		SOLE		0	0	9,340
PROLOGIS INC.	COM	74340W103	273,420	2,051	SH		SOLE		0	0	2,051
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	1,106,201	18,090	SH		SOLE		0	0	18,090
QUALCOMM INC	COM	747525103	854,865	5,911	SH		SOLE		0	0	5,911
RIO TINTO PLC	SPONSORED ADR	767204100	213,626	2,869	SH		SOLE		0	0	2,869
ROYAL GOLD INC	COM	780287108	369,941	3,058	SH		SOLE		0	0	3,058
RPM INTL INC	COM	749685103	334,778	2,999	SH		SOLE		0	0	2,999
S&P GLOBAL INC	COM	78409V104	926,852	2,104	SH		SOLE		0	0	2,104
SALESFORCE INC	COM	79466L302	1,642,752	6,243	SH		SOLE		0	0	6,243
SCHWAB CHARLES CORP	COM	808513105	1,330,788	19,343	SH		SOLE		0	0	19,343
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	2,774,139	57,258	SH		SOLE		0	0	114
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	344,984	4,532	SH		SOLE		0	0	4,532
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	585,452	15,840	SH		SOLE		0	0	15,840
SCOTTS MIRACLE-GRO CO	CL A	810186106	293,314	4,601	SH		SOLE		0	0	4,601
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	1,704,464	12,498	SH		SOLE		0	0	12,498
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	555,932	3,109	SH		SOLE		0	0	3,109
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,039,610	12,400	SH		SOLE		0	0	12,400
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	561,023	14,921	SH		SOLE		0	0	14,921
SELECT SECTOR SPDR TR	INDL	81369Y704	411,545	3,610	SH		SOLE		0	0	3,610
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	3,566,354	18,528	SH		SOLE		0	0	18,528
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	465,225	6,403	SH		SOLE		0	0	6,403
SELECTIVE INS GROUP INC	COM	816300107	225,422	2,266	SH		SOLE		0	0	2,266
SHERWIN WILLIAMS CO	COM	824348106	342,592	1,098	SH		SOLE		0	0	1,098
SHOPIFY INC	CL A	82509L107	757,733	9,727	SH		SOLE		0	0	9,727
SIMON PPTY GROUP INC NEW	COM	828806109	338,079	2,370	SH		SOLE		0	0	2,370
SMITH A O CORP	COM	831865209	385,077	4,671	SH		SOLE		0	0	4,671
SNAP INC	CL A	83304A106	627,595	37,070	SH		SOLE		0	0	37,070
SONY GROUP CORP	SPONSORED ADR	835699307	202,237	2,136	SH		SOLE		0	0	2,136
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	2,068,979	5,490	SH		SOLE		0	0	5,490
SPDR S&P 500 ETF TR	TR UNIT	78462F103	8,337,140	17,540	SH		SOLE		0	0	17,540
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	7,092,690	13,979	SH		SOLE		0	0	13,979
SPDR SER TR	PORTFOLIO S&P500	78464A854	240,929	4,310	SH		SOLE		0	0	4,310
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	526,311	11,013	SH		SOLE		0	0	11,013
STMICROELECTRONICS N V	NY REGISTRY	861012102	294,264	5,870	SH		SOLE		0	0	5,870
T-MOBILE US INC	COM	872590104	266,148	1,660	SH		SOLE		0	0	1,660
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	588,650	5,660	SH		SOLE		0	0	5,660
TE CONNECTIVITY LTD	SHS	H84989104	214,263	1,525	SH		SOLE		0	0	1,525
TERADYNE INC	COM	880770102	550,739	5,075	SH		SOLE		0	0	5,075
TESLA INC	COM	88160R101	3,032,386	12,204	SH		SOLE		0	0	12,204
TEXAS INSTRS INC	COM	882508104	701,708	4,117	SH		SOLE		0	0	4,117
THE TRADE DESK INC	COM CL A	88339J105	439,891	6,113	SH		SOLE		0	0	6,113
THERMO FISHER SCIENTIFIC INC	COM	883556102	986,431	1,858	SH		SOLE		0	0	1,858
TOTALENERGIES SE	SPONSORED ADS	89151E109	209,215	3,105	SH		SOLE		0	0	3,105
TRANSUNION	COM	89400J107	406,557	5,917	SH		SOLE		0	0	5,917
TREX CO INC	COM	89531P105	435,972	5,266	SH		SOLE		0	0	5,266
TRUIST FINL CORP	COM	89832Q109	708,753	19,197	SH		SOLE		0	0	19,197
TWILIO INC	CL A	90138F102	788,365	10,391	SH		SOLE		0	0	10,391
TYLER TECHNOLOGIES INC	COM	902252105	369,618	884	SH		SOLE		0	0	884
UBS GROUP AG	SHS	H42097107	215,682	6,980	SH		SOLE		0	0	6,980
ULTA BEAUTY INC	COM	90384S303	1,329,343	2,713	SH		SOLE		0	0	2,713
UNION PAC CORP	COM	907818108	1,687,687	6,871	SH		SOLE		0	0	6,871
UNITED PARCEL SERVICE INC	CL B	911312106	814,485	5,180	SH		SOLE		0	0	5,180
UNITEDHEALTH GROUP INC	COM	91324P102	1,412,175	2,682	SH		SOLE		0	0	2,682
UNIVERSAL DISPLAY CORP	COM	91347P105	448,509	2,345	SH		SOLE		0	0	2,345
VANECK ETF TRUST	SHRT HGH YLD MUN	92189F387	510,064	23,049	SH		SOLE		0	0	23,049
VANECK ETF TRUST	SEMICONDUCTR ETF	92189F676	567,595	3,246	SH		SOLE		0	0	3,246
VANGUARD ADMIRAL FDS INC	500 GRTH IDX F	921932505	403,965	1,492	SH		SOLE		0	0	1,492
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	8,243,233	166,985	SH		SOLE		0	0	55
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	59,412,264	136,017	SH		SOLE		0	0	95
VANGUARD INDEX FDS	GROWTH ETF	922908736	60,245,029	193,789	SH		SOLE		0	0	125
VANGUARD INDEX FDS	VALUE ETF	922908744	55,874,523	373,743	SH		SOLE		0	0	226
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	448,117	8,778	SH		SOLE		0	0	8,778
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	26,111,201	337,485	SH		SOLE		0	0	115
VANGUARD SCOTTSDALE FDS	VNG RUS1000VAL	92206C714	401,075	5,529	SH		SOLE		0	0	5,529
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	329,774	1,315	SH		SOLE		0	0	1,315
VERIZON COMMUNICATIONS INC	COM	92343V104	1,423,321	37,754	SH		SOLE		0	0	37,754
VERTEX PHARMACEUTICALS INC	COM	92532F100	1,206,225	2,965	SH		SOLE		0	0	2,965
VISA INC	COM CL A	92826C839	3,461,257	13,295	SH		SOLE		0	0	13,295
WALMART INC	COM	931142103	900,358	5,711	SH		SOLE		0	0	5,711
WASTE MGMT INC DEL	COM	94106L109	971,893	5,427	SH		SOLE		0	0	5,427
WISDOMTREE TR	US MIDCAP DIVID	97717W505	278,232	6,090	SH		SOLE		0	0	6,090
WISDOMTREE TR	US S CAP QTY DIV	97717X651	259,240	5,465	SH		SOLE		0	0	5,465
WISDOMTREE TR	US QTLY DIV GRT	97717X669	592,283	8,427	SH		SOLE		0	0	8,427
WISDOMTREE TR	US MULTIFACTOR	97717Y857	209,631	4,985	SH		SOLE		0	0	4,985