Sax Wealth Advisors 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
Expires:	Oct 31, 2018
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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
AT&T INC	COM	00206R102	689,297	36,070	SH		SOLE		0	0	36,070
ABBOTT LABS	COM	002824100	548,892	5,282	SH		SOLE		0	0	5,282
ABBVIE INC	COM	00287Y109	938,221	5,470	SH		SOLE		0	0	5,470
ABRDN TOTAL DYNAMIC DIVIDEND	COM SH BEN INT	00326L100	146,502	17,420	SH		SOLE		0	0	17,420
ADOBE INC	COM	00724F101	219,438	395	SH		SOLE		0	0	395
ADVANCED MICRO DEVICES INC	COM	007903107	248,668	1,533	SH		SOLE		0	0	1,533
AGILENT TECHNOLOGIES INC	COM	00846U101	207,390	1,600	SH		SOLE		0	0	1,600
ALLIANCEBERNSTEIN HLDG L P	UNIT LTD PARTN	01881G106	246,266	7,288	SH		SOLE		0	0	7,288
EA SERIES TRUST	EA BRIDGEWAY OMN	02072L532	580,263	28,483	SH		SOLE		0	0	28,483
ALPHABET INC	CAP STK CL C	02079K107	3,009,162	16,406	SH		SOLE		601	0	15,805
ALPHABET INC	CAP STK CL A	02079K305	1,582,021	8,685	SH		SOLE		0	0	8,685
AMAZON COM INC	COM	023135106	4,650,000	24,062	SH		SOLE		0	0	24,062
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	609,392	8,791	SH		SOLE		0	0	8,791
AMERICAN CENTY ETF TR	US LARGE CAP VLU	025072349	368,242	5,860	SH		SOLE		0	0	5,860
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	1,136,373	18,602	SH		SOLE		0	0	18,602
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	7,762,542	124,679	SH		SOLE		410	0	124,269
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	7,531,836	83,948	SH		SOLE		259	0	83,689
AMERICAN CENTY ETF TR	US EQT ETF	025072885	14,339,049	158,987	SH		SOLE		4,280	0	154,707
AMERICAN EXPRESS CO	COM	025816109	336,490	1,453	SH		SOLE		357	0	1,096
AMGEN INC	COM	031162100	204,550	655	SH		SOLE		202	0	452
ANALOG DEVICES INC	COM	032654105	443,966	1,945	SH		SOLE		0	0	1,945
APPLE INC	COM	037833100	11,526,349	54,726	SH		SOLE		680	0	54,045
APPFOLIO INC	COM CL A	03783C100	253,130	1,035	SH		SOLE		0	0	1,035
APPLIED MATLS INC	COM	038222105	1,701,181	7,209	SH		SOLE		0	0	7,209
ARAMARK	COM	03852U106	441,941	12,991	SH		SOLE		0	0	12,991
BANK NEW YORK MELLON CORP	COM	064058100	272,260	4,546	SH		SOLE		0	0	4,546
BECTON DICKINSON & CO	COM	075887109	361,443	1,547	SH		SOLE		0	0	1,547
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	4,050,508	9,957	SH		SOLE		729	0	9,228
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	197,525	17,342	SH		SOLE		0	0	17,342
BLACKSTONE INC	COM	09260D107	780,694	6,306	SH		SOLE		0	0	6,306
BOEING CO	COM	097023105	508,000	2,791	SH		SOLE		0	0	2,791
BRISTOL-MYERS SQUIBB CO	COM	110122108	316,084	7,611	SH		SOLE		0	0	7,611
BROADCOM INC	COM	11135F101	646,447	403	SH		SOLE		0	0	403
CATERPILLAR INC	COM	149123101	845,395	2,538	SH		SOLE		0	0	2,538
JPMORGAN CHASE & CO.	COM	46625H100	2,243,542	11,092	SH		SOLE		0	0	11,092
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	322,458	5,689	SH		SOLE		0	0	5,689
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	343,441	6,486	SH		SOLE		0	0	6,486
JOHNSON & JOHNSON	COM	478160104	2,459,009	16,824	SH		SOLE		0	0	16,824
LAM RESEARCH CORP	COM	512807108	564,386	530	SH		SOLE		0	0	530
LIBERTY ALL STAR EQUITY FD	SH BEN INT	530158104	113,968	16,760	SH		SOLE		0	0	16,760
ELI LILLY & CO	COM	532457108	326,842	361	SH		SOLE		0	0	361
MARATHON PETE CORP	COM	56585A102	425,720	2,454	SH		SOLE		0	0	2,454
MARVELL TECHNOLOGY INC	COM	573874104	442,968	6,337	SH		SOLE		0	0	6,337
MASTERCARD INCORPORATED	CL A	57636Q104	457,483	1,037	SH		SOLE		0	0	1,037
MCDONALDS CORP	COM	580135101	1,000,018	3,924	SH		SOLE		0	0	3,924
MERCK & CO INC	COM	58933Y105	702,732	5,676	SH		SOLE		0	0	5,676
METTLER TOLEDO INTERNATIONAL	COM	592688105	419,277	300	SH		SOLE		0	0	300
MICROSOFT CORP	COM	594918104	10,866,753	24,313	SH		SOLE		360	0	23,953
MORGAN STANLEY	COM NEW	617446448	228,397	2,350	SH		SOLE		0	0	2,350
NETFLIX INC	COM	64110L106	1,135,148	1,682	SH		SOLE		0	0	1,682
NEW YORK CMNTY BANCORP INC	COM	649445103	55,004	17,082	SH		SOLE		0	0	17,082
NEW YORK MTG TR INC	COM	649604840	136,545	23,381	SH		SOLE		0	0	23,381
NUCOR CORP	COM	670346105	273,478	1,730	SH		SOLE		0	0	1,730
NVIDIA CORPORATION	COM	67066G104	4,795,017	38,813	SH		SOLE		0	0	38,813
NUSHARES ETF TR	NUVEEN ESG SMLCP	67092P607	507,554	12,902	SH		SOLE		0	0	12,902
OPKO HEALTH INC	COM	68375N103	25,138	20,110	SH		SOLE		0	0	20,110
ORACLE CORP	COM	68389X105	372,913	2,641	SH		SOLE		0	0	2,641
PACKAGING CORP AMER	COM	695156109	288,810	1,582	SH		SOLE		0	0	1,582
PALO ALTO NETWORKS INC	COM	697435105	423,763	1,250	SH		SOLE		0	0	1,250
CHEVRON CORP NEW	COM	166764100	1,428,101	9,130	SH		SOLE		0	0	9,130
CISCO SYS INC	COM	17275R102	370,342	7,795	SH		SOLE		0	0	7,795
COHERENT CORP	COM	19247G107	343,537	4,741	SH		SOLE		0	0	4,741
COLGATE PALMOLIVE CO	COM	194162103	239,284	2,466	SH		SOLE		0	0	2,466
CONFLUENT INC	CLASS A COM	20717M103	1,534,586	51,967	SH		SOLE		0	0	51,967
CONOCOPHILLIPS	COM	20825C104	247,588	2,165	SH		SOLE		0	0	2,165
COSTCO WHSL CORP NEW	COM	22160K105	996,812	1,173	SH		SOLE		0	0	1,173
COUPANG INC	CL A	22266T109	1,362,225	65,023	SH		SOLE		0	0	65,023
CROWDSTRIKE HLDGS INC	CL A	22788C105	218,801	571	SH		SOLE		0	0	571
DANAHER CORPORATION	COM	235851102	450,235	1,802	SH		SOLE		0	0	1,802
DATADOG INC	CL A COM	23804L103	1,107,293	8,538	SH		SOLE		0	0	8,538
DEXCOM INC	COM	252131107	961,576	8,481	SH		SOLE		0	0	8,481
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	15,054,055	401,549	SH		SOLE		0	0	401,549
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	20,463,030	689,688	SH		SOLE		9,727	0	679,961
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	3,052,168	117,981	SH		SOLE		2,428	0	115,553
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	182,760,038	3,105,523	SH		SOLE		16,716	0	3,088,807
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	30,829,950	513,148	SH		SOLE		7,951	0	505,197
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	46,721,063	900,734	SH		SOLE		16,216	0	884,518
DIMENSIONAL ETF TRUST	US CORE EQUITY 1	25434V625	612,699	10,294	SH		SOLE		0	0	10,294
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	5,945,262	205,647	SH		SOLE		0	0	205,647
DIMENSIONAL ETF TRUST	GLOBAL SUSTAINA	25434V674	426,838	8,353	SH		SOLE		0	0	8,353
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	64,326,068	1,995,225	SH		SOLE		6,638	0	1,988,587
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	32,955,962	839,215	SH		SOLE		21,798	0	817,417
DIMENSIONAL ETF TRUST	EMERGING MKTS HI	25434V757	396,155	15,225	SH		SOLE		0	0	15,225
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	18,329,073	696,393	SH		SOLE		11,390	0	685,004
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	658,471	26,735	SH		SOLE		0	0	26,735
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	1,010,417	37,555	SH		SOLE		0	0	37,555
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	487,864	18,557	SH		SOLE		0	0	18,557
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	11,384,058	316,752	SH		SOLE		0	0	316,752
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	2,527,654	114,374	SH		SOLE		0	0	114,374
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	29,387,676	918,652	SH		SOLE		4,944	0	913,708
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	4,398,873	92,084	SH		SOLE		0	0	92,084
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	24,705,248	525,644	SH		SOLE		0	0	525,644
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	32,223,461	775,721	SH		SOLE		0	0	775,721
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	7,081,270	278,571	SH		SOLE		0	0	278,571
DIREXION SHS ETF TR	NAS100 EQL WGT	25459Y207	491,708	5,541	SH		SOLE		0	0	5,541
DISNEY WALT CO	COM	254687106	825,711	8,316	SH		SOLE		245	0	8,071
ETF SER SOLUTIONS	US GLB JETS	26922A842	232,091	11,805	SH		SOLE		0	0	11,805
EATON VANCE MUNI INCOME TRUS	SH BEN INT	27826U108	105,653	10,208	SH		SOLE		0	0	10,208
EATON VANCE TAX-MANAGED GLOB	COM	27829F108	94,150	11,142	SH		SOLE		0	0	11,142
ENBRIDGE INC	COM	29250N105	201,953	5,674	SH		SOLE		0	0	5,674
ENTERPRISE PRODS PARTNERS L	COM	293792107	245,124	8,458	SH		SOLE		0	0	8,458
EXXON MOBIL CORP	COM	30231G102	1,782,340	15,482	SH		SOLE		0	0	15,482
META PLATFORMS INC	CL A	30303M102	1,780,046	3,530	SH		SOLE		0	0	3,530
FIDELITY COVINGTON TRUST	MOMENTUM FACTR	316092816	642,935	10,090	SH		SOLE		0	0	10,090
FIDELITY COVINGTON TRUST	ENHANCED INTL	31609A404	715,392	25,243	SH		SOLE		0	0	25,243
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	18,667,347	415,476	SH		SOLE		1,551	0	413,925
FISERV INC	COM	337738108	346,441	2,324	SH		SOLE		0	0	2,324
FLUENCE ENERGY INC	COM CL A	34379V103	183,596	10,588	SH		SOLE		0	0	10,588
FREEPORT-MCMORAN INC	CL B	35671D857	207,946	4,279	SH		SOLE		0	0	4,279
PEPSICO INC	COM	713448108	774,331	4,695	SH		SOLE		0	0	4,695
PFIZER INC	COM	717081103	300,299	10,733	SH		SOLE		0	0	10,733
PHILIP MORRIS INTL INC	COM	718172109	583,514	5,759	SH		SOLE		0	0	5,759
PIMCO ETF TR	ENHANCD SHORT	72201R643	283,734	2,875	SH		SOLE		0	0	2,875
PROCTER AND GAMBLE CO	COM	742718109	780,595	4,733	SH		SOLE		0	0	4,733
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	618,371	8,390	SH		SOLE		0	0	8,390
QUALCOMM INC	COM	747525103	310,123	1,557	SH		SOLE		0	0	1,557
RAYMOND JAMES FINL INC	COM	754730109	214,093	1,732	SH		SOLE		0	0	1,732
RTX CORPORATION	COM	75513E101	238,769	2,378	SH		SOLE		0	0	2,378
SHELL PLC	SPON ADS	780259305	294,927	4,086	SH		SOLE		0	0	4,086
SPDR S&P 500 ETF TR	TR UNIT	78462F103	11,810,868	21,702	SH		SOLE		0	0	21,702
SPDR GOLD TR	GOLD SHS	78463V107	242,316	1,127	SH		SOLE		0	0	1,127
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	221,796	8,840	SH		SOLE		0	0	8,840
SPDR SER TR	PORTFOLIO S&P400	78464A847	257,988	5,029	SH		SOLE		0	0	5,029
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	702,222	1,795	SH		SOLE		0	0	1,795
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	278,777	521	SH		SOLE		0	0	521
SPDR SER TR	S&P 500 ESG ETF	78468R531	836,325	15,750	SH		SOLE		0	0	15,750
SPDR SER TR	PRTFLO S&P500 HI	78468R788	1,250,076	31,073	SH		SOLE		0	0	31,073
SALESFORCE INC	COM	79466L302	240,903	937	SH		SOLE		0	0	937
SCHLUMBERGER LTD	COM STK	806857108	338,053	7,165	SH		SOLE		0	0	7,165
SCHWAB CHARLES CORP	COM	808513105	503,376	6,831	SH		SOLE		0	0	6,831
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	812,435	10,967	SH		SOLE		0	0	10,967
SCHWAB STRATEGIC TR	FUNDAMENTAL EMER	808524730	239,369	8,095	SH		SOLE		1,275	0	6,820
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	215,706	2,774	SH		SOLE		0	0	2,774
SELECT SECTOR SPDR TR	ENERGY	81369Y506	1,433,570	15,728	SH		SOLE		0	0	15,728
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	860,221	20,925	SH		SOLE		0	0	20,925
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	2,928,417	12,944	SH		SOLE		0	0	12,944
SERVICENOW INC	COM	81762P102	488,522	621	SH		SOLE		0	0	621
T-MOBILE US INC	COM	872590104	909,955	5,165	SH		SOLE		0	0	5,165
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	397,677	2,288	SH		SOLE		0	0	2,288
TESLA INC	COM	88160R101	385,194	1,947	SH		SOLE		0	0	1,947
TEVA PHARMACEUTICAL INDS LTD	SPONSORED ADS	881624209	288,192	17,735	SH		SOLE		0	0	17,735
GE AEROSPACE	COM NEW	369604301	691,414	4,349	SH		SOLE		307	0	4,042
GOLDMAN SACHS GROUP INC	COM	38141G104	383,437	848	SH		SOLE		0	0	848
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	350,491	3,277	SH		SOLE		0	0	3,277
HCA HEALTHCARE INC	COM	40412C101	332,307	1,034	SH		SOLE		0	0	1,034
HILTON WORLDWIDE HLDGS INC	COM	43300A203	279,951	1,283	SH		SOLE		0	0	1,283
HOME DEPOT INC	COM	437076102	595,700	1,730	SH		SOLE		0	0	1,730
HONEYWELL INTL INC	COM	438516106	328,237	1,537	SH		SOLE		0	0	1,537
HUBSPOT INC	COM	443573100	255,969	434	SH		SOLE		0	0	434
IDEXX LABS INC	COM	45168D104	497,431	1,021	SH		SOLE		0	0	1,021
INSULET CORP	COM	45784P101	386,649	1,916	SH		SOLE		0	0	1,916
INTEL CORP	COM	458140100	381,935	12,332	SH		SOLE		0	0	12,332
INTERNATIONAL BUSINESS MACHS	COM	459200101	730,146	4,222	SH		SOLE		0	0	4,222
INVESCO QQQ TR	UNIT SER 1	46090E103	5,129,752	10,707	SH		SOLE		0	0	10,707
INVESCO EXCHANGE TRADED FD T	S&P500 EQL TEC	46137V282	256,547	6,998	SH		SOLE		0	0	6,998
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	381,768	2,324	SH		SOLE		0	0	2,324
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	627,784	6,470	SH		SOLE		0	0	6,470
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	284,780	14,500	SH		SOLE		0	0	14,500
INVESCO EXCH TRADED FD TR II	CEF INM COMPSI	46138E404	235,250	12,500	SH		SOLE		0	0	12,500
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	202,877	17,565	SH		SOLE		0	0	17,565
INVESCO EXCH TRADED FD TR II	NASDAQ 100 ETF	46138G649	56,062,236	284,421	SH		SOLE		3,970	0	280,451
INVESCO EXCH TRD SLF IDX FD	BULETSHS 2031 CP	46138J429	272,091	17,059	SH		SOLE		0	0	17,059
INVESCO EXCH TRD SLF IDX FD	INVSCO 30 CORP	46138J460	276,664	17,015	SH		SOLE		0	0	17,015
INVESCO EXCH TRD SLF IDX FD	BULETSHS 2029	46138J577	276,468	15,224	SH		SOLE		0	0	15,224
INVESCO EXCH TRD SLF IDX FD	INVSCO BLSH 28	46138J643	276,826	13,876	SH		SOLE		0	0	13,876
INVESCO EXCH TRD SLF IDX FD	BULSHS 2027 CB	46138J783	297,237	15,465	SH		SOLE		0	0	15,465
INVESCO EXCH TRD SLF IDX FD	BULSHS 2026 CB	46138J791	285,823	14,906	SH		SOLE		0	0	14,906
ISHARES INC	EM MKT SM-CP ETF	464286475	1,532,075	25,069	SH		SOLE		871	0	24,198
ISHARES TR	CORE S&P TTL STK	464287150	17,267,471	145,374	SH		SOLE		0	0	145,374
ISHARES TR	SELECT DIVID ETF	464287168	1,890,662	15,628	SH		SOLE		0	0	15,628
ISHARES TR	CORE S&P500 ETF	464287200	8,458,290	15,457	SH		SOLE		0	0	15,457
ISHARES TR	CORE US AGGBD ET	464287226	372,069	3,833	SH		SOLE		0	0	3,833
ISHARES TR	MSCI EMG MKT ETF	464287234	394,113	9,254	SH		SOLE		0	0	9,254
ISHARES TR	S&P 500 GRWT ETF	464287309	534,758	5,779	SH		SOLE		0	0	5,779
ISHARES TR	S&P 500 VAL ETF	464287408	3,969,289	21,808	SH		SOLE		0	0	21,808
ISHARES TR	1 3 YR TREAS BD	464287457	430,950	5,278	SH		SOLE		0	0	5,278
ISHARES TR	MSCI EAFE ETF	464287465	745,816	9,521	SH		SOLE		36	0	9,485
ISHARES TR	RUS MD CP GR ETF	464287481	1,243,197	11,266	SH		SOLE		0	0	11,266
ISHARES TR	RUS MID CAP ETF	464287499	303,963	3,749	SH		SOLE		0	0	3,749
ISHARES TR	CORE S&P MCP ETF	464287507	45,690,240	780,763	SH		SOLE		8,503	0	772,260
ISHARES TR	RUS 1000 VAL ETF	464287598	1,333,486	7,643	SH		SOLE		0	0	7,643
ISHARES TR	RUS 1000 GRW ETF	464287614	3,876,362	10,634	SH		SOLE		0	0	10,634
ISHARES TR	RUS 2000 VAL ETF	464287630	784,035	5,148	SH		SOLE		0	0	5,148
ISHARES TR	RUSSELL 2000 ETF	464287655	329,858	1,626	SH		SOLE		0	0	1,626
ISHARES TR	RUSSELL 3000 ETF	464287689	3,093,826	10,023	SH		SOLE		0	0	10,023
ISHARES TR	U.S. TECH ETF	464287721	532,319	3,537	SH		SOLE		0	0	3,537
ISHARES TR	US HLTHCARE ETF	464287762	329,020	5,370	SH		SOLE		0	0	5,370
ISHARES TR	CORE S&P SCP ETF	464287804	12,334,714	115,645	SH		SOLE		0	0	115,645
ISHARES TR	SP SMCP600VL ETF	464287879	7,931,125	81,537	SH		SOLE		0	0	81,537
ISHARES TR	SHRT NAT MUN ETF	464288158	382,653	3,660	SH		SOLE		0	0	3,660
ISHARES TR	EAFE SML CP ETF	464288273	953,680	15,472	SH		SOLE		0	0	15,472
ISHARES TR	NATIONAL MUN ETF	464288414	1,724,923	16,189	SH		SOLE		7,327	0	8,862
ISHARES TR	MSCI KLD400 SOC	464288570	278,526	2,682	SH		SOLE		0	0	2,682
ISHARES TR	PFD AND INCM SEC	464288687	1,255,127	39,782	SH		SOLE		0	0	39,782
ISHARES TR	MSCI USA ESG SLC	464288802	832,100	7,405	SH		SOLE		0	0	7,405
ISHARES TR	EAFE VALUE ETF	464288877	2,278,197	42,952	SH		SOLE		2,853	0	40,099
ISHARES TR	EAFE GRWTH ETF	464288885	607,556	5,939	SH		SOLE		0	0	5,939
ISHARES TR	AGGRES ALLOC ETF	464289859	265,918	3,556	SH		SOLE		0	0	3,556
ISHARES TR	FLTG RATE NT ETF	46429B655	4,282,563	83,824	SH		SOLE		4,593	0	79,231
ISHARES TR	CORE HIGH DV ETF	46429B663	699,383	6,434	SH		SOLE		0	0	6,434
ISHARES TR	MSCI USA MIN VOL	46429B697	3,063,659	36,490	SH		SOLE		0	0	36,490
ISHARES TR	MSCI USA QLT FCT	46432F339	64,452,205	377,443	SH		SOLE		4,069	0	373,374
ISHARES TR	MSCI USA MMENTM	46432F396	4,776,349	24,510	SH		SOLE		1,295	0	23,216
ISHARES TR	CORE MSCI TOTAL	46432F834	737,728	10,920	SH		SOLE		0	0	10,920
ISHARES TR	CORE MSCI EAFE	46432F842	1,906,648	26,248	SH		SOLE		0	0	26,248
ISHARES INC	ESG AWR MSCI EM	46434G863	617,556	18,418	SH		SOLE		0	0	18,418
ISHARES TR	EXPONENTIAL TECH	46434V381	1,087,648	18,488	SH		SOLE		0	0	18,488
ISHARES TR	MSCI INTL QUALTY	46434V456	2,899,627	74,254	SH		SOLE		3,485	0	70,769
ISHARES TR	CORE DIV GRWTH	46434V621	230,223	3,996	SH		SOLE		0	0	3,996
ISHARES TR	IBONDS DEC25 ETF	46434VBD1	4,163,736	167,487	SH		SOLE		0	0	167,487
ISHARES TR	IBONDS DEC24 ETF	46434VBG4	2,916,182	116,044	SH		SOLE		0	0	116,044
ISHARES TR	HIGH YLD SYSTM B	46435G250	3,632,072	78,210	SH		SOLE		0	0	78,210
ISHARES TR	ESG AW MSCI EAFE	46435G516	1,482,797	18,822	SH		SOLE		0	0	18,822
ISHARES TR	IBONDS DEC2026	46435GAA0	4,498,904	188,871	SH		SOLE		7,459	0	181,412
ISHARES TR	ESG MSCI LEADR	46435U218	2,825,178	28,997	SH		SOLE		0	0	28,997
ISHARES TR	IBDS DEC28 ETF	46435U515	1,329,224	53,663	SH		SOLE		7,413	0	46,249
ISHARES TR	ESG AWARE MSCI	46435U663	657,003	17,065	SH		SOLE		0	0	17,065
ISHARES TR	IBONDS 27 ETF	46435UAA9	3,064,117	129,124	SH		SOLE		7,511	0	121,613
ISHARES TR	ESG ADV TTL USD	46436E619	456,349	10,725	SH		SOLE		0	0	10,725
ISHARES TR	ESG AWARE AGGRSV	46436E668	270,534	7,800	SH		SOLE		0	0	7,800
THERMO FISHER SCIENTIFIC INC	COM	883556102	482,216	872	SH		SOLE		0	0	872
TRAVEL PLUS LEISURE CO	COM	894164102	313,861	6,978	SH		SOLE		0	0	6,978
TRAVELERS COMPANIES INC	COM	89417E109	410,004	2,016	SH		SOLE		0	0	2,016
TRIMBLE INC	COM	896239100	205,003	3,666	SH		SOLE		0	0	3,666
UNITED PARCEL SERVICE INC	CL B	911312106	478,452	3,496	SH		SOLE		0	0	3,496
UNITEDHEALTH GROUP INC	COM	91324P102	230,314	452	SH		SOLE		0	0	452
VALLEY NATL BANCORP	COM	919794107	182,855	26,197	SH		SOLE		0	0	26,197
VANECK ETF TRUST	BDC INCOME ETF	92189F411	961,582	56,200	SH		SOLE		0	0	56,200
VANECK ETF TRUST	PREFERRED SECURT	92189F429	3,178,153	183,708	SH		SOLE		0	0	183,708
VANECK ETF TRUST	MORTGAGE REIT	92189F452	335,700	30,000	SH		SOLE		0	0	30,000
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	694,351	8,017	SH		SOLE		0	0	8,017
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	2,552,306	13,981	SH		SOLE		0	0	13,981
VANGUARD WORLD FD	ESG INTL STK ETF	921910725	318,708	5,565	SH		SOLE		0	0	5,565
VANGUARD ADMIRAL FDS INC	500 GRTH IDX F	921932505	454,560	1,363	SH		SOLE		0	0	1,363
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	1,123,890	11,340	SH		SOLE		0	0	11,340
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	338,369	4,696	SH		SOLE		0	0	4,696
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,175,202	23,780	SH		SOLE		0	0	23,780
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	484,103	4,082	SH		SOLE		0	0	4,082
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	471,875	6,886	SH		SOLE		5,128	0	1,758
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	908,106	8,063	SH		SOLE		0	0	8,063
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	896,905	20,496	SH		SOLE		0	0	20,496
VANGUARD WORLD FD	INF TECH ETF	92204A702	260,042	451	SH		SOLE		0	0	451
VANGUARD WORLD FD	UTILITIES ETF	92204A876	887,557	6,000	SH		SOLE		0	0	6,000
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	221,314	2,864	SH		SOLE		0	0	2,864
VANGUARD SCOTTSDALE FDS	VNG RUS1000GRW	92206C680	241,936	2,579	SH		SOLE		0	0	2,579
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	406,524	5,086	SH		SOLE		0	0	5,086
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	931,871	18,597	SH		SOLE		16,059	0	2,538
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	4,580,822	9,159	SH		SOLE		0	0	9,159
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,717,303	20,503	SH		SOLE		0	0	20,503
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	287,806	1,151	SH		SOLE		0	0	1,151
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	360,484	1,975	SH		SOLE		0	0	1,975
VANGUARD INDEX FDS	MID CAP ETF	922908629	1,450,829	5,993	SH		SOLE		798	0	5,194
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	566,965	2,271	SH		SOLE		0	0	2,271
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,981,259	5,297	SH		SOLE		0	0	5,297
VANGUARD INDEX FDS	VALUE ETF	922908744	6,005,532	37,439	SH		SOLE		0	0	37,439
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,535,663	7,043	SH		SOLE		0	0	7,043
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	5,420,331	20,262	SH		SOLE		0	0	20,262
VERIZON COMMUNICATIONS INC	COM	92343V104	522,384	12,667	SH		SOLE		0	0	12,667
VERTIV HOLDINGS CO	COM CL A	92537N108	586,426	6,774	SH		SOLE		0	0	6,774
VISA INC	COM CL A	92826C839	317,854	1,211	SH		SOLE		0	0	1,211
WALMART INC	COM	931142103	538,116	7,947	SH		SOLE		0	0	7,947
WASTE MGMT INC DEL	COM	94106L109	238,210	1,117	SH		SOLE		0	0	1,117
WESCO INTL INC	COM	95082P105	241,971	1,526	SH		SOLE		0	0	1,526
WISDOMTREE TR	US AI ENHANCED	97717W406	205,297	2,057	SH		SOLE		2,057	0	0
WISDOMTREE TR	FLOATNG RAT TREA	97717Y527	219,855	4,370	SH		SOLE		0	0	4,370
ZOETIS INC	CL A	98978V103	339,743	1,960	SH		SOLE		0	0	1,960
CRH PLC	ORD	G25508105	247,733	3,304	SH		SOLE		0	0	3,304
EATON CORP PLC	SHS	G29183103	536,171	1,710	SH		SOLE		0	0	1,710
JOHNSON CTLS INTL PLC	SHS	G51502105	430,941	6,483	SH		SOLE		0	0	6,483
LINDE PLC	SHS	G54950103	486,511	1,109	SH		SOLE		0	0	1,109
BUNGE GLOBAL SA	COM SHS	H11356104	460,256	4,311	SH		SOLE		0	0	4,311
UBS GROUP AG	SHS	H42097107	347,779	11,773	SH		SOLE		0	0	11,773
TE CONNECTIVITY LTD	SHS	H84989104	247,608	1,646	SH		SOLE		0	0	1,646
FLEX LTD	ORD	Y2573F102	417,018	14,141	SH		SOLE		0	0	14,141