Confluence Wealth Services 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
3M COMPANY	COM	88579Y101	204	1,848	SH		SOLE	None	0	0	1,848
ABBOTT LABS	COM	002824100	982	10,158	SH		SOLE	None	0	0	10,158
ABBVIE INCORPORATED	COM	00287Y109	2,147	15,997	SH		SOLE	None	0	0	15,997
ACV AUCTIONS INCORPORATED COM CLASS A	COM CL A	00091G104	134	18,754	SH		SOLE	None	0	0	18,754
ADAMS DIVERSIFIED EQUITY FD	COM	006212104	339	23,318	SH		SOLE	None	0	0	23,318
AFLAC INCORPORATED	COM	001055102	605	10,771	SH		SOLE	None	0	0	10,771
AIR PRODUCTS CHEMICALS INCORPORATED	COM	009158106	1,072	4,608	SH		SOLE	None	0	0	4,608
ALLIANCEBERNSTEIN GLOBAL HIGH	COM	01879R106	143	16,202	SH		SOLE	None	0	0	16,202
ALLSTATE CORPORATION	COM	020002101	923	7,414	SH		SOLE	None	0	0	7,414
ALPHABET INCORPORATED CAP STK CLASS A	CAP STK CL A	02079K305	2,370	24,784	SH		SOLE	None	0	0	24,784
ALPHABET INCORPORATED CAP STK CLASS C	CAP STK CL C	02079K107	1,219	12,680	SH		SOLE	None	0	0	12,680
ALTRIA GROUP INCORPORATED	COM	02209S103	1,409	34,905	SH		SOLE	None	0	0	34,905
AMAZON COM INCORPORATED	COM	023135106	1,655	14,649	SH		SOLE	None	0	0	14,649
AMERICAN ELEC PWR COMPANY INCORPORATED	COM	025537101	240	2,786	SH		SOLE	None	0	0	2,786
AMERICAN EXPRESS COMPANY	COM	025816109	626	4,642	SH		SOLE	None	0	0	4,642
AMGEN INCORPORATED	COM	031162100	385	1,709	SH		SOLE	None	0	0	1,709
ANSYS INCORPORATED	COM	03662Q105	378	1,709	SH		SOLE	None	0	0	1,709
APPLE INCORPORATED	COM	037833100	18,620	134,739	SH		SOLE	None	0	0	134,739
APPLIED MATLS INCORPORATED	COM	038222105	425	5,194	SH		SOLE	None	0	0	5,194
ASTRAZENECA PLC SPONSORED ADR	SPONSORED ADR	046353108	738	13,459	SH		SOLE	None	0	0	13,459
ATT INCORPORATED	COM	00206R102	949	61,882	SH		SOLE	None	0	0	61,882
AUTOLIV INCORPORATED	COM	052800109	363	5,457	SH		SOLE	None	0	0	5,457
BALL CORPORATION	COM	058498106	222	4,609	SH		SOLE	None	0	0	4,609
BANK NEW YORK MELLON CORPORATION	COM	064058100	209	5,429	SH		SOLE	None	0	0	5,429
BARRICK GOLD CORPORATION	COM	067901108	467	30,191	SH		SOLE	None	0	0	30,191
BECTON DICKINSON COMPANY	COM	075887109	620	2,784	SH		SOLE	None	0	0	2,784
BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW	CL B NEW	084670702	2,293	8,588	SH		SOLE	None	0	0	8,588
BEST BUY INCORPORATED	COM	086516101	727	11,478	SH		SOLE	None	0	0	11,478
BK OF AMERICA CORPORATION	COM	060505104	280	9,298	SH		SOLE	None	0	0	9,298
BLACKROCK MUNIYIELD PA QLTY FD	COM	09255G107	596	50,259	SH		SOLE	None	0	0	50,259
BNY MELLON HIGH YIELD STRATEGI SH BEN INT	SH BEN INT	09660L105	409	194,222	SH		SOLE	None	0	0	194,222
BOEING COMPANY	COM	097023105	234	1,932	SH		SOLE	None	0	0	1,932
BP PLC SPONSORED ADR	SPONSORED ADR	055622104	289	10,135	SH		SOLE	None	0	0	10,135
BRISTOLMYERS SQUIBB COMPANY	COM	110122108	919	12,935	SH		SOLE	None	0	0	12,935
BROADCOM INCORPORATED	COM	11135F101	1,314	2,960	SH		SOLE	None	0	0	2,960
CAPITAL GROUP CORE EQUITY ETF SHS CREATION UNIT	SHS CREATION UNI	14020V108	492	24,160	SH		SOLE	None	0	0	24,160
CAPITAL GROUP DIVID VALUE ETF SHS CREATION UNIT	SHS CREATION UNI	14020W106	7,834	383,673	SH		SOLE	None	0	0	383,673
CAPITAL GROUP GLOBAL GROWTH SHS CREATION UNIT	SHS CREATION UNI	14020X104	563	30,127	SH		SOLE	None	0	0	30,127
CAPITAL GROUP GROWTH ETF SHS CREATION UNIT	SHS CREATION UNI	14020G101	1,311	67,189	SH		SOLE	None	0	0	67,189
CAPITAL GROUP INTL FOCUS SHS CREATION UNIT	SHS CREATION UNI	14019W109	629	33,621	SH		SOLE	None	0	0	33,621
CARDINAL HEALTH INCORPORATED	COM	14149Y108	634	9,516	SH		SOLE	None	0	0	9,516
CATERPILLAR INCORPORATED	COM	149123101	691	4,215	SH		SOLE	None	0	0	4,215
CENTRAL SECS CORPORATION	COM	155123102	413	12,258	SH		SOLE	None	0	0	12,258
CHEVRON CORPORATION NEW	COM	166764100	3,316	23,084	SH		SOLE	None	0	0	23,084
CHUBB LIMITED	COM	H1467J104	1,761	9,684	SH		SOLE	None	0	0	9,684
CIGNA CORPORATION NEW	COM	125523100	363	1,311	SH		SOLE	None	0	0	1,311
CINTAS CORPORATION	COM	172908105	913	2,352	SH		SOLE	None	0	0	2,352
CISCO SYSTEMS INCORPORATED	COM	17275R102	2,506	62,665	SH		SOLE	None	0	0	62,665
CME GROUP INCORPORATED	COM	12572Q105	1,075	6,072	SH		SOLE	None	0	0	6,072
COCA COLA COMPANY	COM	191216100	950	16,964	SH		SOLE	None	0	0	16,964
COMCAST CORPORATION NEW CLASS A	CL A	20030N101	1,056	36,037	SH		SOLE	None	0	0	36,037
CONOCOPHILLIPS	COM	20825C104	2,189	21,395	SH		SOLE	None	0	0	21,395
CONSOLIDATED EDISON INCORPORATED	COM	209115104	291	3,399	SH		SOLE	None	0	0	3,399
CONSTELLATION BRANDS INCORPORATED CLASS A	CL A	21036P108	478	2,084	SH		SOLE	None	0	0	2,084
CONSTELLATION ENERGY CORPORATION	COM	21037T109	247	2,971	SH		SOLE	None	0	0	2,971
CORTEVA INCORPORATED	COM	22052L104	485	8,489	SH		SOLE	None	0	0	8,489
COSTCO WHOLESALE CORPORATION NEW	COM	22160K105	1,149	2,434	SH		SOLE	None	0	0	2,434
CSX CORPORATION	COM	126408103	322	12,116	SH		SOLE	None	0	0	12,116
CUMMINS INCORPORATED	COM	231021106	377	1,853	SH		SOLE	None	0	0	1,853
CVS HEALTH CORPORATION	COM	126650100	1,539	16,139	SH		SOLE	None	0	0	16,139
DANAHER CORPORATION	COM	235851102	414	1,606	SH		SOLE	None	0	0	1,606
DARDEN RESTAURANTS INCORPORATED	COM	237194105	1,005	7,959	SH		SOLE	None	0	0	7,959
DEERE COMPANY	COM	244199105	1,269	3,802	SH		SOLE	None	0	0	3,802
DEVON ENERGY CORPORATION NEW	COM	25179M103	1,692	28,139	SH		SOLE	None	0	0	28,139
DICKS SPORTING GOODS INCORPORATED	COM	253393102	1,112	10,627	SH		SOLE	None	0	0	10,627
DIMENSIONAL ETF TRUST INTL VALE ETF	INTERNATNAL VAL	25434V807	1,335	51,840	SH		SOLE	None	0	0	51,840
DIMENSIONAL ETF TRUST U S SM CAP ETF	US SMALL CAP ETF	25434V500	2,344	50,393	SH		SOLE	None	0	0	50,393
DIMENSIONAL ETF TRUST U S TARGET VALUE ETF	US TARGETED VLU	25434V609	301	7,736	SH		SOLE	None	0	0	7,736
DIMENSIONAL ETF TRUST WORLD EX U S CORE EQUITY 2 ETF	WORLD EX US CORE	25434V880	1,366	72,355	SH		SOLE	None	0	0	72,355
DISCOVER FINL SVCS	COM	254709108	209	2,301	SH		SOLE	None	0	0	2,301
DISNEY WALT COMPANY	COM	254687106	1,638	17,370	SH		SOLE	None	0	0	17,370
DOMINION ENERGY INCORPORATED	COM	25746U109	724	10,487	SH		SOLE	None	0	0	10,487
DOW INCORPORATED	COM	260557103	776	17,681	SH		SOLE	None	0	0	17,681
DTE ENERGY COMPANY	COM	233331107	489	4,253	SH		SOLE	None	0	0	4,253
DUKE ENERGY CORPORATION NEW COM NEW	COM NEW	26441C204	842	9,061	SH		SOLE	None	0	0	9,061
DUPONT DE NEMOURS INCORPORATED	COM	26614N102	619	12,289	SH		SOLE	None	0	0	12,289
EATON CORPORATION PLC SHS	SHS	G29183103	1,320	9,900	SH		SOLE	None	0	0	9,900
EATON VANCE TAXMANAGED DIVERS	COM	27828N102	162	14,945	SH		SOLE	None	0	0	14,945
EATON VANCE TAXMANAGED GLOBAL	COM	27829F108	92	12,714	SH		SOLE	None	0	0	12,714
ECOVYST INCORPORATED	COM	27923Q109	110	13,100	SH		SOLE	None	0	0	13,100
EDWARDS LIFESCIENCES CORPORATION	COM	28176E108	314	3,805	SH		SOLE	None	0	0	3,805
EMERSON ELEC COMPANY	COM	291011104	394	5,384	SH		SOLE	None	0	0	5,384
EXELON CORPORATION	COM	30161N101	338	9,028	SH		SOLE	None	0	0	9,028
EXXON MOBIL CORPORATION	COM	30231G102	3,350	38,378	SH		SOLE	None	0	0	38,378
FEDEX CORPORATION	COM	31428X106	201	1,359	SH		SOLE	None	0	0	1,359
FIRST TRUST CAPITAL STRENGTH ETF	CAP STRENGTH ETF	33733E104	454	6,843	SH		SOLE	None	0	0	6,843
FIRSTENERGY CORPORATION	COM	337932107	373	10,102	SH		SOLE	None	0	0	10,102
FORD MTR COMPANY DEL	COM	345370860	122	10,928	SH		SOLE	None	0	0	10,928
GENERAL DYNAMICS CORPORATION	COM	369550108	985	4,643	SH		SOLE	None	0	0	4,643
GENERAL ELECTRIC COMPANY COM NEW	COM NEW	369604301	449	7,256	SH		SOLE	None	0	0	7,256
GENERAL MLS INCORPORATED	COM	370334104	659	8,610	SH		SOLE	None	0	0	8,610
HALLIBURTON COMPANY	COM	406216101	203	8,261	SH		SOLE	None	0	0	8,261
HOME DEPOT INCORPORATED	COM	437076102	3,452	12,512	SH		SOLE	None	0	0	12,512
HONEYWELL INTERNATIONAL INCORPORATED	COM	438516106	206	1,234	SH		SOLE	None	0	0	1,234
HUNTINGTON BANCSHARES INCORPORATED	COM	446150104	484	36,748	SH		SOLE	None	0	0	36,748
ILLINOIS TOOL WKS INCORPORATED	COM	452308109	396	2,193	SH		SOLE	None	0	0	2,193
INTEL CORPORATION	COM	458140100	1,213	47,101	SH		SOLE	None	0	0	47,101
INTERNATIONAL BUSINESS MACHINES	COM	459200101	1,312	11,049	SH		SOLE	None	0	0	11,049
INVESCO PA VALUE MUN INCORPORATED TR	COM	46132K109	182	18,882	SH		SOLE	None	0	0	18,882
INVESCO QQQ	UNIT SER 1	46090E103	346	1,298	SH		SOLE	None	0	0	1,298
ISHARES GOLD TR ISHARES NEW	ISHARES NEW	464285204	1,300	41,256	SH		SOLE	None	0	0	41,256
ISHARES SILVER TR ISHARES	ISHARES	46428Q109	668	38,200	SH		SOLE	None	0	0	38,200
ISHARES TR CORE DIV GRWTH	CORE DIV GRWTH	46434V621	1,860	41,844	SH		SOLE	None	0	0	41,844
ISHARES TR CORE MSCI TOTAL	CORE MSCI TOTAL	46432F834	601	11,810	SH		SOLE	None	0	0	11,810
ISHARES TR CORE SP MCP ETF	CORE S&P MCP ETF	464287507	894	4,081	SH		SOLE	None	0	0	4,081
ISHARES TR CORE SP SCP ETF	CORE S&P SCP ETF	464287804	342	3,931	SH		SOLE	None	0	0	3,931
ISHARES TR CORE SP500 ETF	CORE S&P500 ETF	464287200	976	2,722	SH		SOLE	None	0	0	2,722
ISHARES TR INTL DIV GRWTH	INTL DIV GRWTH	46435G524	1,269	25,067	SH		SOLE	None	0	0	25,067
ISHARES TR INTL SEL DIV ETF	INTL SEL DIV ETF	464288448	327	14,537	SH		SOLE	None	0	0	14,537
ISHARES TR MSCI EAFE ETF	MSCI EAFE ETF	464287465	2,370	42,321	SH		SOLE	None	0	0	42,321
ISHARES TR MSCI EMG MKT ETF	MSCI EMG MKT ETF	464287234	1,584	45,419	SH		SOLE	None	0	0	45,419
ISHARES TR NATIONAL MUN ETF	NATIONAL MUN ETF	464288414	229	2,237	SH		SOLE	None	0	0	2,237
ISHARES TR RUS 1000 GRW ETF	RUS 1000 GRW ETF	464287614	3,818	18,148	SH		SOLE	None	0	0	18,148
ISHARES TR RUS 1000 VAL ETF	RUS 1000 VAL ETF	464287598	1,247	9,171	SH		SOLE	None	0	0	9,171
ISHARES TR RUSSELL 2000 ETF	RUSSELL 2000 ETF	464287655	415	2,517	SH		SOLE	None	0	0	2,517
ISHARES TR SP 100 ETF	S&P 100 ETF	464287101	436	2,687	SH		SOLE	None	0	0	2,687
ISHARES TR SP 500 GRWT ETF	S&P 500 GRWT ETF	464287309	570	9,865	SH		SOLE	None	0	0	9,865
JOHNSON JOHNSON	COM	478160104	4,185	25,621	SH		SOLE	None	0	0	25,621
JONES LANG LASALLE INCORPORATED	COM	48020Q107	423	2,806	SH		SOLE	None	0	0	2,806
JPMORGAN CHASE COMPANY	COM	46625H100	4,016	38,433	SH		SOLE	None	0	0	38,433
JPMORGAN EQUITY PREMIUM INCOME ETF	EQUITY PREMIUM	46641Q332	4,032	78,705	SH		SOLE	None	0	0	78,705
KEYSIGHT TECHNOLOGIES INCORPORATED	COM	49338L103	231	1,471	SH		SOLE	None	0	0	1,471
KINDER MORGAN INCORPORATED DEL	COM	49456B101	274	16,504	SH		SOLE	None	0	0	16,504
KRAFT HEINZ COMPANY	COM	500754106	227	6,811	SH		SOLE	None	0	0	6,811
KROGER COMPANY	COM	501044101	346	7,917	SH		SOLE	None	0	0	7,917
L3HARRIS TECHNOLOGIES INCORPORATED	COM	502431109	733	3,528	SH		SOLE	None	0	0	3,528
LILLY ELI COMPANY	COM	532457108	2,094	6,479	SH		SOLE	None	0	0	6,479
LINDE PLC SHS	SHS	G5494J103	444	1,647	SH		SOLE	None	0	0	1,647
LOCKHEED MARTIN CORPORATION	COM	539830109	377	976	SH		SOLE	None	0	0	976
LOWES COMPANIES INCORPORATED	COM	548661107	582	3,100	SH		SOLE	None	0	0	3,100
MARATHON PETE CORPORATION	COM	56585A102	2,418	24,352	SH		SOLE	None	0	0	24,352
MARRIOTT INTERNATIONAL INCORPORATED NEW CLASS A	CL A	571903202	235	1,681	SH		SOLE	None	0	0	1,681
MASTERCARD INCORPORATED CLASS A	CL A	57636Q104	314	1,105	SH		SOLE	None	0	0	1,105
MCDONALDS CORPORATION	COM	580135101	2,421	10,494	SH		SOLE	None	0	0	10,494
MCKESSON CORPORATION	COM	58155Q103	1,011	2,975	SH		SOLE	None	0	0	2,975
MEDTRONIC PLC SHS	SHS	G5960L103	857	10,615	SH		SOLE	None	0	0	10,615
MERCK COMPANY INCORPORATED	COM	58933Y105	2,716	31,539	SH		SOLE	None	0	0	31,539
META PLATFORMS INCORPORATED CLASS A	CL A	30303M102	596	4,398	SH		SOLE	None	0	0	4,398
MICROCHIP TECHNOLOGY INCORPORATED.	COM	595017104	678	11,112	SH		SOLE	None	0	0	11,112
MICROSOFT CORPORATION	COM	594918104	10,900	46,801	SH		SOLE	None	0	0	46,801
MONDELEZ INTERNATIONAL INCORPORATED CLASS A	CL A	609207105	452	8,259	SH		SOLE	None	0	0	8,259
MOTOROLA SOLUTIONS INCORPORATED COM NEW	COM NEW	620076307	1,256	5,608	SH		SOLE	None	0	0	5,608
NETAPP INCORPORATED	COM	64110D104	347	5,621	SH		SOLE	None	0	0	5,621
NETFLIX INCORPORATED	COM	64110L106	465	1,977	SH		SOLE	None	0	0	1,977
NEWMONT CORPORATION	COM	651639106	262	6,243	SH		SOLE	None	0	0	6,243
NEXTERA ENERGY INCORPORATED	COM	65339F101	649	8,287	SH		SOLE	None	0	0	8,287
NIKE INCORPORATED CLASS B	CL B	654106103	282	3,396	SH		SOLE	None	0	0	3,396
NORFOLK SOUTHN CORPORATION	COM	655844108	258	1,232	SH		SOLE	None	0	0	1,232
NUCOR CORPORATION	COM	670346105	1,330	12,438	SH		SOLE	None	0	0	12,438
NVIDIA CORPORATION	COM	67066G104	496	4,090	SH		SOLE	None	0	0	4,090
OCCIDENTAL PETE CORPORATION	COM	674599105	227	3,704	SH		SOLE	None	0	0	3,704
ORACLE CORPORATION	COM	68389X105	294	4,825	SH		SOLE	None	0	0	4,825
PAYCHEX INCORPORATED	COM	704326107	918	8,184	SH		SOLE	None	0	0	8,184
PAYPAL HLDGS INCORPORATED	COM	70450Y103	609	7,076	SH		SOLE	None	0	0	7,076
PEPSICO INCORPORATED	COM	713448108	3,839	23,514	SH		SOLE	None	0	0	23,514
PFIZER INCORPORATED	COM	717081103	2,408	55,030	SH		SOLE	None	0	0	55,030
PHILIP MORRIS INTERNATIONAL INCORPORATED	COM	718172109	909	10,953	SH		SOLE	None	0	0	10,953
PHILLIPS 66	COM	718546104	496	6,146	SH		SOLE	None	0	0	6,146
PIONEER NAT RES COMPANY	COM	723787107	330	1,525	SH		SOLE	None	0	0	1,525
PNC FINL SVCS GROUP INCORPORATED	COM	693475105	2,194	14,688	SH		SOLE	None	0	0	14,688
PPG INDUSTRIES INCORPORATED	COM	693506107	644	5,819	SH		SOLE	None	0	0	5,819
PPL CORPORATION	COM	69351T106	588	23,217	SH		SOLE	None	0	0	23,217
PROCTER AND GAMBLE COMPANY	COM	742718109	2,217	17,567	SH		SOLE	None	0	0	17,567
PUBLIC SVC ENTERPRISE GRP INCORPORATED	COM	744573106	202	3,595	SH		SOLE	None	0	0	3,595
QUALCOMM INCORPORATED	COM	747525103	631	5,589	SH		SOLE	None	0	0	5,589
RAYTHEON TECHNOLOGIES CORPORATION	COM	75513E101	308	3,767	SH		SOLE	None	0	0	3,767
ROCKWELL AUTOMATION INCORPORATED	COM	773903109	201	939	SH		SOLE	None	0	0	939
SALESFORCE INCORPORATED	COM	79466L302	223	1,553	SH		SOLE	None	0	0	1,553
SEMPRA	COM	816851109	242	1,620	SH		SOLE	None	0	0	1,620
SHELL PLC SPON ADS	SPON ADS	780259305	257	5,168	SH		SOLE	None	0	0	5,168
SOUTHERN COMPANY	COM	842587107	870	12,804	SH		SOLE	None	0	0	12,804
SPDR BLOOMBERG CONVERTIBLE SECURITIES ET	BBG CONV SEC ETF	78464A359	1,321	20,871	SH		SOLE	None	0	0	20,871
SPDR GOLD SHARES	GOLD SHS	78463V107	1,335	8,637	SH		SOLE	None	0	0	8,637
SPDR PORTFOLIO SP 500 ETF	PORTFOLIO S&P500	78464A854	951	22,666	SH		SOLE	None	0	0	22,666
SPDR PORTFOLIO SP 500 GROWTH ETF	PRTFLO S&P500 GW	78464A409	505	10,082	SH		SOLE	None	0	0	10,082
SPDR SP 500 ETF	TR UNIT	78462F103	930	2,605	SH		SOLE	None	0	0	2,605
SPDR SP DIVIDEND ETF	S&P DIVID ETF	78464A763	287	2,579	SH		SOLE	None	0	0	2,579
SPDR SP REGIONAL BANKING ETF	S&P REGL BKG	78464A698	473	8,050	SH		SOLE	None	0	0	8,050
STERIS PLC SHS USD	SHS USD	G8473T100	225	1,353	SH		SOLE	None	0	0	1,353
STRYKER CORPORATION	COM	863667101	687	3,393	SH		SOLE	None	0	0	3,393
SUN LIFE FINANCIAL INCORPORATED.	COM	866796105	240	6,054	SH		SOLE	None	0	0	6,054
SYSCO CORPORATION	COM	871829107	398	5,633	SH		SOLE	None	0	0	5,633
TARGET CORPORATION	COM	87612E106	590	3,982	SH		SOLE	None	0	0	3,982
TEREX CORPORATION NEW	COM	880779103	668	22,464	SH		SOLE	None	0	0	22,464
TESLA INCORPORATED	COM	88160R101	914	3,446	SH		SOLE	None	0	0	3,446
TEXAS INSTRS INCORPORATED	COM	882508104	417	2,699	SH		SOLE	None	0	0	2,699
THERMO FISHER SCIENTIFIC INCORPORATED	COM	883556102	1,490	2,938	SH		SOLE	None	0	0	2,938
TJX COMPANIES INCORPORATED NEW	COM	872540109	384	6,195	SH		SOLE	None	0	0	6,195
TRACTOR SUPPLY COMPANY	COM	892356106	474	2,551	SH		SOLE	None	0	0	2,551
TRANE TECHNOLOGIES PLC SHS	SHS	G8994E103	342	2,364	SH		SOLE	None	0	0	2,364
UNION PAC CORPORATION	COM	907818108	1,688	8,668	SH		SOLE	None	0	0	8,668
UNITED PARCEL SERVICE INCORPORATED CLASS B	CL B	911312106	899	5,567	SH		SOLE	None	0	0	5,567
UNITEDHEALTH GROUP INCORPORATED	COM	91324P102	1,255	2,486	SH		SOLE	None	0	0	2,486
VALERO ENERGY CORPORATION	COM	91913Y100	814	7,625	SH		SOLE	None	0	0	7,625
VALLEY NATL BANCORP	COM	919794107	595	55,174	SH		SOLE	None	0	0	55,174
VANECK GOLD MINERS ETF	GOLD MINERS ETF	92189F106	238	9,898	SH		SOLE	None	0	0	9,898
VANGUARD CONSUMER DISCRETIONARY ETF	CONSUM DIS ETF	92204A108	418	1,779	SH		SOLE	None	0	0	1,779
VANGUARD DIVIDEND APPRECIATION ETF	DIV APP ETF	921908844	3,246	24,019	SH		SOLE	None	0	0	24,019
VANGUARD EXTENDED MARKET ETF	EXTEND MKT ETF	922908652	622	4,900	SH		SOLE	None	0	0	4,900
VANGUARD FTSE DEVELOPED MARKETS ETF	VAN FTSE DEV MKT	921943858	624	17,180	SH		SOLE	None	0	0	17,180
VANGUARD FTSE EMERGING MARKETS ETF	FTSE EMR MKT ETF	922042858	267	7,325	SH		SOLE	None	0	0	7,325
VANGUARD GROWTH ETF	GROWTH ETF	922908736	201	942	SH		SOLE	None	0	0	942
VANGUARD HEALTH CARE ETF	HEALTH CAR ETF	92204A504	213	954	SH		SOLE	None	0	0	954
VANGUARD HIGH DIVIDEND YIELD ETF	HIGH DIV YLD	921946406	381	4,018	SH		SOLE	None	0	0	4,018
VANGUARD INDEX FUNDS SP 500 ETF SHS NEW	S&P 500 ETF SHS	922908363	924	2,817	SH		SOLE	None	0	0	2,817
VANGUARD INDUSTRIALS ETF	INDUSTRIAL ETF	92204A603	210	1,333	SH		SOLE	None	0	0	1,333
VANGUARD INFORMATION TECHNOLOGY ETF	INF TECH ETF	92204A702	726	2,364	SH		SOLE	None	0	0	2,364
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF	INTL HIGH ETF	921946794	4,383	84,225	SH		SOLE	None	0	0	84,225
VANGUARD MIDCAP ETF	MID CAP ETF	922908629	237	1,263	SH		SOLE	None	0	0	1,263
VANGUARD SP 500 VALUE ETF	500 VAL IDX FD	921932703	270	2,179	SH		SOLE	None	0	0	2,179
VANGUARD SHORTTERM TREASURY ETF	SHORT TERM TREAS	92206C102	515	8,925	SH		SOLE	None	0	0	8,925
VANGUARD SMALLCAP ETF	SMALL CP ETF	922908751	374	2,191	SH		SOLE	None	0	0	2,191
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MRKT	921937835	496	6,966	SH		SOLE	None	0	0	6,966
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	741	4,134	SH		SOLE	None	0	0	4,134
VANGUARD VALUE ETF	VALUE ETF	922908744	408	3,308	SH		SOLE	None	0	0	3,308
VERIZON COMMUNICATIONS INCORPORATED	COM	92343V104	2,298	60,529	SH		SOLE	None	0	0	60,529
VISA INCORPORATED COM CLASS A	COM CL A	92826C839	2,313	13,024	SH		SOLE	None	0	0	13,024
WALMART INCORPORATED	COM	931142103	2,696	20,793	SH		SOLE	None	0	0	20,793
WASTE MGMT INCORPORATED DEL	COM	94106L109	941	5,878	SH		SOLE	None	0	0	5,878
WELLS FARGO COMPANY NEW	COM	949746101	353	8,779	SH		SOLE	None	0	0	8,779
WESTROCK COMPANY	COM	96145D105	340	11,032	SH		SOLE	None	0	0	11,032
WILLIAMS SONOMA INCORPORATED	COM	969904101	254	2,162	SH		SOLE	None	0	0	2,162
XCEL ENERGY INCORPORATED	COM	98389B100	210	3,287	SH		SOLE	None	0	0	3,287
YUM BRANDS INCORPORATED	COM	988498101	553	5,203	SH		SOLE	None	0	0	5,203
YUM CHINA HLDGS INCORPORATED	COM	98850P109	273	5,775	SH		SOLE	None	0	0	5,775