Breakwater Capital 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	310,140	2,716	SH		SOLE		0	0	2,716
ABBVIE INC	COM	00287Y109	653,456	3,951	SH		SOLE		0	0	3,951
ACADEMY SPORTS & OUTDOORS IN	COM	00402L107	264,881	4,028	SH		SOLE		0	0	4,028
ADOBE INC	COM	00724F101	328,353	544	SH		SOLE		0	0	544
ALLEGION PLC	ORD SHS	G0176J109	327,393	2,611	SH		SOLE		0	0	2,611
ALPHABET INC	CAP STK CL A	02079K305	1,036,529	7,100	SH		SOLE		0	0	7,100
ALPHABET INC	CAP STK CL C	02079K107	1,597,658	10,816	SH		SOLE		0	0	10,816
AMAZON COM INC	COM	023135106	3,431,473	22,170	SH		SOLE		0	0	22,170
AMERICAN CENTY ETF TR	EMERGING MKT VAL	025072372	388,614	8,905	SH		SOLE		0	0	8,905
AMERICAN EXPRESS CO	COM	025816109	680,652	3,679	SH		SOLE		0	0	3,679
APPLE INC	COM	037833100	15,264,422	78,727	SH		SOLE		0	0	78,727
APPLIED MATLS INC	COM	038222105	233,096	1,385	SH		SOLE		0	0	1,385
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	279,838	365	SH		SOLE		0	0	365
AT&T INC	COM	00206R102	516,930	30,770	SH		SOLE		0	0	30,770
BANK AMERICA CORP	COM	060505104	1,001,010	30,753	SH		SOLE		0	0	30,753
BECTON DICKINSON & CO	COM	075887109	333,548	1,414	SH		SOLE		0	0	1,414
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,195,489	5,965	SH		SOLE		0	0	5,965
BHP GROUP LTD	SPONSORED ADS	088606108	559,657	9,309	SH		SOLE		0	0	9,309
BLACKBERRY LTD	COM	09228F103	107,280	29,800	SH		SOLE		0	0	29,800
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	267,104	23,492	SH		SOLE		0	0	23,492
BLACKROCK MUNIYIELD N Y QUAL	COM	09255E102	155,082	15,276	SH		SOLE		0	0	15,276
BOEING CO	COM	097023105	570,854	2,656	SH		SOLE		0	0	2,656
BOSTON SCIENTIFIC CORP	COM	101137107	424,330	6,986	SH		SOLE		0	0	6,986
BROADCOM INC	COM	11135F101	294,141	241	SH		SOLE		0	0	241
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	6,344,050	94,279	SH		SOLE		0	0	94,279
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	275,928	12,220	SH		SOLE		0	0	12,220
CATERPILLAR INC	COM	149123101	502,574	1,741	SH		SOLE		0	0	1,741
CHEVRON CORP NEW	COM	166764100	373,039	2,618	SH		SOLE		0	0	2,618
CHUBB LIMITED	COM	H1467J104	241,390	1,010	SH		SOLE		0	0	1,010
CISCO SYS INC	COM	17275R102	500,332	9,702	SH		SOLE		0	0	9,702
CITIGROUP INC	COM NEW	172967424	552,495	10,456	SH		SOLE		0	0	10,456
COCA COLA CO	COM	191216100	489,487	8,217	SH		SOLE		0	0	8,217
COHEN & STEERS QUALITY INCOM	COM	19247L106	169,230	14,233	SH		SOLE		0	0	14,233
COLUMBIA ETF TR II	EM CORE EX ETF	19762B202	4,437,905	152,296	SH		SOLE		0	0	152,296
COMCAST CORP NEW	CL A	20030N101	831,266	19,057	SH		SOLE		0	0	19,057
CONOCOPHILLIPS	COM	20825C104	425,973	3,942	SH		SOLE		0	0	3,942
CONSOLIDATED EDISON INC	COM	209115104	524,381	5,879	SH		SOLE		0	0	5,879
COSTCO WHSL CORP NEW	COM	22160K105	227,850	329	SH		SOLE		0	0	329
CUMMINS INC	COM	231021106	255,163	1,091	SH		SOLE		0	0	1,091
CVS HEALTH CORP	COM	126650100	510,856	6,910	SH		SOLE		0	0	6,910
DANAHER CORPORATION	COM	235851102	517,061	2,229	SH		SOLE		0	0	2,229
DEERE & CO	COM	244199105	961,922	2,501	SH		SOLE		0	0	2,501
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	211,047	5,013	SH		SOLE		0	0	5,013
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	3,398,435	141,690	SH		SOLE		0	0	141,690
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	1,484,236	64,532	SH		SOLE		0	0	64,532
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	1,999,580	59,600	SH		SOLE		0	0	59,600
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	299,575	11,921	SH		SOLE		0	0	11,921
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	240,275	4,986	SH		SOLE		0	0	4,986
DISNEY WALT CO	COM	254687106	768,378	8,081	SH		SOLE		0	0	8,081
DOW INC	COM	260557103	218,418	4,078	SH		SOLE		0	0	4,078
DUKE ENERGY CORP NEW	COM NEW	26441C204	266,453	2,803	SH		SOLE		0	0	2,803
EATON CORP PLC	SHS	G29183103	549,507	2,253	SH		SOLE		0	0	2,253
ELI LILLY & CO	COM	532457108	1,840,908	2,918	SH		SOLE		0	0	2,918
ENTERPRISE PRODS PARTNERS L	COM	293792107	206,649	7,648	SH		SOLE		0	0	7,648
EOG RES INC	COM	26875P101	217,850	1,969	SH		SOLE		0	0	1,969
EXXON MOBIL CORP	COM	30231G102	2,061,104	21,288	SH		SOLE		0	0	21,288
FEDEX CORP	COM	31428X106	215,343	859	SH		SOLE		0	0	859
FIDELITY COVINGTON TRUST	ENHANCED INTL	31609A404	342,143	12,997	SH		SOLE		0	0	12,997
FIDELITY COVINGTON TRUST	ENHANCED MID	31609A503	329,193	11,988	SH		SOLE		0	0	11,988
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	429,705	9,442	SH		SOLE		0	0	9,442
FIFTH THIRD BANCORP	COM	316773100	300,201	8,686	SH		SOLE		0	0	8,686
FIRSTENERGY CORP	COM	337932107	237,127	6,463	SH		SOLE		0	0	6,463
FREEPORT-MCMORAN INC	CL B	35671D857	380,684	10,157	SH		SOLE		0	0	10,157
GENERAL ELECTRIC CO	COM NEW	369604301	867,824	6,613	SH		SOLE		0	0	6,613
GLOBAL X FDS	US PFD ETF	37954Y657	214,929	10,888	SH		SOLE		0	0	10,888
GOLDMAN SACHS GROUP INC	COM	38141G104	296,417	768	SH		SOLE		0	0	768
HESS CORP	COM	42809H107	207,359	1,505	SH		SOLE		0	0	1,505
HOME DEPOT INC	COM	437076102	1,655,755	4,642	SH		SOLE		0	0	4,642
HONEYWELL INTL INC	COM	438516106	749,477	3,728	SH		SOLE		0	0	3,728
INGERSOLL RAND INC	COM	45687V106	1,306,254	16,464	SH		SOLE		0	0	16,464
INTEL CORP	COM	458140100	634,479	13,158	SH		SOLE		0	0	13,158
INTERNATIONAL BUSINESS MACHS	COM	459200101	459,555	2,659	SH		SOLE		0	0	2,659
INTUIT	COM	461202103	647,006	1,026	SH		SOLE		0	0	1,026
INVESCO EXCH TRADED FD TR II	FNDMNTL IG CRP	46138E693	570,024	24,277	SH		SOLE		0	0	24,277
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	3,131,213	67,585	SH		SOLE		0	0	67,585
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	1,689,394	60,014	SH		SOLE		0	0	60,014
INVESCO EXCH TRADED FD TR II	S&P SMLCAP QTY	46138G300	4,851,183	123,064	SH		SOLE		0	0	123,064
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	1,328,374	13,361	SH		SOLE		0	0	13,361
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	12,717,567	360,169	SH		SOLE		0	0	360,169
INVESCO EXCHANGE TRADED FD T	INTL DIVI ACHI	46137V548	909,170	50,092	SH		SOLE		0	0	50,092
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	4,414,874	45,845	SH		SOLE		0	0	45,845
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	601,291	6,596	SH		SOLE		0	0	6,596
INVESCO EXCHANGE TRADED FD T	S&P MDCP VLU MNT	46137V456	563,414	11,389	SH		SOLE		0	0	11,389
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	12,434,710	79,384	SH		SOLE		0	0	79,384
INVESCO EXCHANGE TRADED FD T	S&P500 PUR VAL	46137V258	1,636,102	20,413	SH		SOLE		0	0	20,413
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	429,643	7,726	SH		SOLE		0	0	7,726
INVESCO QQQ TR	UNIT SER 1	46090E103	994,439	2,358	SH		SOLE		0	0	2,358
ISHARES INC	CORE MSCI EMKT	46434G103	252,585	5,260	SH		SOLE		0	0	5,260
ISHARES INC	MSCI EMRG CHN	46434G764	591,892	11,014	SH		SOLE		0	0	11,014
ISHARES INC	MSCI JPN ETF NEW	46434G822	307,795	4,616	SH		SOLE		0	0	4,616
ISHARES TR	0-5 YR TIPS ETF	46429B747	1,606,772	16,281	SH		SOLE		0	0	16,281
ISHARES TR	0-5YR INVT GR CP	46434V100	218,659	4,447	SH		SOLE		0	0	4,447
ISHARES TR	CORE DIV GRWTH	46434V621	294,035	5,424	SH		SOLE		0	0	5,424
ISHARES TR	CORE DIVID ETF	46435U861	1,634,688	39,677	SH		SOLE		0	0	39,677
ISHARES TR	CORE MSCI EAFE	46432F842	792,852	11,469	SH		SOLE		0	0	11,469
ISHARES TR	CORE MSCI TOTAL	46432F834	569,631	9,016	SH		SOLE		0	0	9,016
ISHARES TR	CORE S&P MCP ETF	464287507	3,515,659	12,719	SH		SOLE		0	0	12,719
ISHARES TR	CORE S&P SCP ETF	464287804	2,538,249	23,849	SH		SOLE		0	0	23,849
ISHARES TR	CORE S&P US VLU	464287663	4,262,083	50,727	SH		SOLE		0	0	50,727
ISHARES TR	CORE S&P500 ETF	464287200	9,482,286	19,522	SH		SOLE		0	0	19,522
ISHARES TR	EAFE GRWTH ETF	464288885	3,021,107	31,628	SH		SOLE		0	0	31,628
ISHARES TR	EAFE SML CP ETF	464288273	876,334	14,608	SH		SOLE		0	0	14,608
ISHARES TR	EAFE VALUE ETF	464288877	1,143,896	22,333	SH		SOLE		0	0	22,333
ISHARES TR	FALN ANGLS USD	46435G474	4,566,453	171,768	SH		SOLE		0	0	171,768
ISHARES TR	FLTG RATE NT ETF	46429B655	705,377	13,869	SH		SOLE		0	0	13,869
ISHARES TR	IBOXX INV CP ETF	464287242	293,006	2,681	SH		SOLE		0	0	2,681
ISHARES TR	INTERNATIONAL SL	46434V266	218,794	7,018	SH		SOLE		0	0	7,018
ISHARES TR	ISHS 5-10YR INVT	464288638	5,659,902	109,869	SH		SOLE		0	0	109,869
ISHARES TR	MBS ETF	464288588	406,753	4,385	SH		SOLE		0	0	4,385
ISHARES TR	MRGSTR SM CP GR	464288604	357,269	8,232	SH		SOLE		0	0	8,232
ISHARES TR	MSCI ACWI EX US	464288240	207,148	4,173	SH		SOLE		0	0	4,173
ISHARES TR	MSCI EAFE ETF	464287465	822,731	11,094	SH		SOLE		0	0	11,094
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,377,221	19,980	SH		SOLE		0	0	19,980
ISHARES TR	MSCI INTL QUALTY	46434V456	4,984,629	135,895	SH		SOLE		0	0	135,895
ISHARES TR	MSCI USA QLT FCT	46432F339	3,846,003	25,413	SH		SOLE		0	0	25,413
ISHARES TR	NATIONAL MUN ETF	464288414	3,044,468	28,318	SH		SOLE		0	0	28,318
ISHARES TR	NEW YORK MUN ETF	464288323	559,541	10,412	SH		SOLE		0	0	10,412
ISHARES TR	RUS 1000 ETF	464287622	3,707,924	13,927	SH		SOLE		0	0	13,927
ISHARES TR	RUS 1000 GRW ETF	464287614	9,614,908	30,696	SH		SOLE		0	0	30,696
ISHARES TR	RUS 1000 VAL ETF	464287598	10,345,717	62,930	SH		SOLE		0	0	62,930
ISHARES TR	RUS MD CP GR ETF	464287481	227,885	2,166	SH		SOLE		0	0	2,166
ISHARES TR	RUS MDCP VAL ETF	464287473	303,036	2,639	SH		SOLE		0	0	2,639
ISHARES TR	RUS MID CAP ETF	464287499	248,906	3,225	SH		SOLE		0	0	3,225
ISHARES TR	RUSSELL 2000 ETF	464287655	364,778	1,856	SH		SOLE		0	0	1,856
ISHARES TR	S&P 500 GRWT ETF	464287309	1,974,622	25,410	SH		SOLE		0	0	25,410
ISHARES TR	S&P 500 VAL ETF	464287408	255,879	1,476	SH		SOLE		0	0	1,476
ISHARES TR	S&P MC 400GR ETF	464287606	788,941	9,863	SH		SOLE		0	0	9,863
ISHARES TR	S&P MC 400VL ETF	464287705	1,729,802	15,424	SH		SOLE		0	0	15,424
ISHARES TR	S&P SML 600 GWT	464287887	331,846	2,665	SH		SOLE		0	0	2,665
ISHARES TR	SELECT DIVID ETF	464287168	366,308	3,177	SH		SOLE		0	0	3,177
ISHARES TR	SHORT TREAS BD	464288679	249,594	2,260	SH		SOLE		0	0	2,260
ISHARES TR	SP SMCP600VL ETF	464287879	422,856	4,231	SH		SOLE		0	0	4,231
ISHARES TR	US REGNL BKS ETF	464288778	233,914	5,627	SH		SOLE		0	0	5,627
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	260,433	4,679	SH		SOLE		0	0	4,679
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	416,089	7,773	SH		SOLE		0	0	7,773
J P MORGAN EXCHANGE TRADED F	MKT EXPN ENHNCD	46641Q118	201,235	3,760	SH		SOLE		0	0	3,760
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	11,166,060	226,584	SH		SOLE		0	0	226,584
JANUS DETROIT STR TR	HENDERSN SML ETF	47103U209	2,048,229	31,223	SH		SOLE		0	0	31,223
JOHNSON & JOHNSON	COM	478160104	1,124,130	6,919	SH		SOLE		0	0	6,919
JPMORGAN CHASE & CO	COM	46625H100	1,509,228	8,872	SH		SOLE		0	0	8,872
LAM RESEARCH CORP	COM	512807108	217,554	261	SH		SOLE		0	0	261
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	41,413	18,910	SH		SOLE		0	0	18,910
LOCKHEED MARTIN CORP	COM	539830109	514,270	1,121	SH		SOLE		0	0	1,121
LOWES COS INC	COM	548661107	907,582	4,128	SH		SOLE		0	0	4,128
M & T BK CORP	COM	55261F104	242,911	1,711	SH		SOLE		0	0	1,711
MARVELL TECHNOLOGY INC	COM	573874104	463,567	6,612	SH		SOLE		0	0	6,612
MASTERCARD INCORPORATED	CL A	57636Q104	440,630	1,002	SH		SOLE		0	0	1,002
MCDONALDS CORP	COM	580135101	283,788	951	SH		SOLE		0	0	951
MERCK & CO INC	COM	58933Y105	1,747,858	14,635	SH		SOLE		0	0	14,635
META PLATFORMS INC	CL A	30303M102	957,122	2,507	SH		SOLE		0	0	2,507
MICROSOFT CORP	COM	594918104	6,986,903	17,621	SH		SOLE		0	0	17,621
MONDELEZ INTL INC	CL A	609207105	462,192	6,321	SH		SOLE		0	0	6,321
MORGAN STANLEY	COM NEW	617446448	669,723	7,812	SH		SOLE		0	0	7,812
NETFLIX INC	COM	64110L106	238,982	492	SH		SOLE		0	0	492
NEXTERA ENERGY INC	COM	65339F101	465,204	8,183	SH		SOLE		0	0	8,183
NIKE INC	CL B	654106103	442,272	4,398	SH		SOLE		0	0	4,398
NORFOLK SOUTHN CORP	COM	655844108	522,785	2,177	SH		SOLE		0	0	2,177
NOVO-NORDISK A S	ADR	670100205	267,628	2,537	SH		SOLE		0	0	2,537
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	489,650	45,296	SH		SOLE		0	0	45,296
NUVEEN AMT-FREE MUN VALUE FD	COM	670695105	148,063	10,867	SH		SOLE		0	0	10,867
NUVEEN MUN VALUE FD INC	COM	670928100	800,389	92,745	SH		SOLE		0	0	92,745
NUVEEN N Y MUN VALUE FD	COM	67062M105	765,905	92,389	SH		SOLE		0	0	92,389
NUVEEN N Y SELECT TAX FREE I	SH BEN INT	67063V104	272,903	23,385	SH		SOLE		0	0	23,385
NUVEEN NEW JERSEY QULT MUN F	COM	67069Y102	359,162	30,567	SH		SOLE		0	0	30,567
NUVEEN SELECT TAX-FREE INCOM	SH BEN INT	67062F100	216,624	14,919	SH		SOLE		0	0	14,919
NVIDIA CORPORATION	COM	67066G104	2,032,668	3,407	SH		SOLE		0	0	3,407
ORACLE CORP	COM	68389X105	2,734,884	24,840	SH		SOLE		0	0	24,840
PACER FDS TR	PACER US SMALL	69374H857	668,304	14,040	SH		SOLE		0	0	14,040
PACER FDS TR	US CASH COWS 100	69374H881	296,807	5,761	SH		SOLE		0	0	5,761
PEPSICO INC	COM	713448108	734,418	4,448	SH		SOLE		0	0	4,448
PFIZER INC	COM	717081103	1,277,149	45,113	SH		SOLE		0	0	45,113
PGIM ETF TR	PGIM ULTRA SH BD	69344A107	544,856	10,985	SH		SOLE		0	0	10,985
PHILLIPS 66	COM	718546104	210,568	1,624	SH		SOLE		0	0	1,624
PIMCO ETF TR	INTER MUN BD ACT	72201R866	551,505	10,541	SH		SOLE		0	0	10,541
PNC FINL SVCS GROUP INC	COM	693475105	567,983	3,801	SH		SOLE		0	0	3,801
PROCTER AND GAMBLE CO	COM	742718109	635,059	4,295	SH		SOLE		0	0	4,295
PROSHARES TR	S&P 500 DV ARIST	74348A467	2,995,251	31,763	SH		SOLE		0	0	31,763
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	273,147	4,707	SH		SOLE		0	0	4,707
QUALCOMM INC	COM	747525103	675,227	4,417	SH		SOLE		0	0	4,417
RTX CORPORATION	COM	75513E101	330,983	3,893	SH		SOLE		0	0	3,893
SALESFORCE INC	COM	79466L302	225,642	805	SH		SOLE		0	0	805
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	3,740,363	110,990	SH		SOLE		0	0	110,990
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	589,130	7,659	SH		SOLE		0	0	7,659
SEALED AIR CORP NEW	COM	81211K100	1,619,737	45,320	SH		SOLE		0	0	45,320
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	696,002	18,263	SH		SOLE		0	0	18,263
SELECT SECTOR SPDR TR	INDL	81369Y704	367,837	3,246	SH		SOLE		0	0	3,246
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	238,618	3,328	SH		SOLE		0	0	3,328
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	634,514	3,156	SH		SOLE		0	0	3,156
SHOPIFY INC	CL A	82509L107	305,871	3,811	SH		SOLE		0	0	3,811
SNOWFLAKE INC	CL A	833445109	354,362	1,780	SH		SOLE		0	0	1,780
SOUTHERN CO	COM	842587107	363,090	5,276	SH		SOLE		0	0	5,276
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,820,189	3,765	SH		SOLE		0	0	3,765
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	2,764,333	5,463	SH		SOLE		0	0	5,463
SPDR SER TR	BBG CONV SEC ETF	78464A359	312,057	4,362	SH		SOLE		0	0	4,362
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	447,967	9,417	SH		SOLE		0	0	9,417
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	1,066,862	42,760	SH		SOLE		0	0	42,760
SPDR SER TR	PORTFOLIO CRPORT	78464A144	2,047,240	70,159	SH		SOLE		0	0	70,159
SPDR SER TR	PORTFOLIO INTRMD	78464A375	2,089,414	63,916	SH		SOLE		0	0	63,916
SPDR SER TR	PORTFOLIO S&P600	78468R853	2,912,563	70,233	SH		SOLE		0	0	70,233
SPDR SER TR	PORTFOLIO SHORT	78464A474	327,075	10,972	SH		SOLE		0	0	10,972
SPDR SER TR	PRTFLO S&P500 GW	78464A409	5,114,675	75,953	SH		SOLE		0	0	75,953
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,686,139	57,754	SH		SOLE		0	0	57,754
STRYKER CORPORATION	COM	863667101	543,210	1,734	SH		SOLE		0	0	1,734
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	247,197	2,187	SH		SOLE		0	0	2,187
TEMPLETON EMERGING MKTS INCO	COM	880192109	71,260	14,000	SH		SOLE		0	0	14,000
TESLA INC	COM	88160R101	606,773	2,906	SH		SOLE		0	0	2,906
THE CIGNA GROUP	COM	125523100	348,954	1,144	SH		SOLE		0	0	1,144
THERMO FISHER SCIENTIFIC INC	COM	883556102	290,530	525	SH		SOLE		0	0	525
TJX COS INC NEW	COM	872540109	531,586	5,588	SH		SOLE		0	0	5,588
TORONTO DOMINION BK ONT	COM NEW	891160509	260,545	4,298	SH		SOLE		0	0	4,298
TRANE TECHNOLOGIES PLC	SHS	G8994E103	3,234,169	12,802	SH		SOLE		0	0	12,802
UNILEVER PLC	SPON ADR NEW	904767704	308,489	6,565	SH		SOLE		0	0	6,565
UNITED PARCEL SERVICE INC	CL B	911312106	556,686	3,510	SH		SOLE		0	0	3,510
UNITEDHEALTH GROUP INC	COM	91324P102	1,255,287	2,447	SH		SOLE		0	0	2,447
VALLEY NATL BANCORP	COM	919794107	120,857	11,295	SH		SOLE		0	0	11,295
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	481,265	16,624	SH		SOLE		0	0	16,624
VANECK ETF TRUST	IG FLOATING RATE	92189F486	372,770	14,734	SH		SOLE		0	0	14,734
VANECK ETF TRUST	SHRT HGH YLD MUN	92189F387	1,869,597	85,059	SH		SOLE		0	0	85,059
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,236,144	12,681	SH		SOLE		0	0	12,681
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	2,122,134	28,052	SH		SOLE		0	0	28,052
VANGUARD INDEX FDS	GROWTH ETF	922908736	870,771	2,717	SH		SOLE		0	0	2,717
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	648,573	2,919	SH		SOLE		0	0	2,919
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	264,955	1,854	SH		SOLE		0	0	1,854
VANGUARD INDEX FDS	MID CAP ETF	922908629	541,406	2,347	SH		SOLE		0	0	2,347
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	5,658,161	12,735	SH		SOLE		0	0	12,735
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,409,513	7,936	SH		SOLE		0	0	7,936
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	825,189	3,430	SH		SOLE		0	0	3,430
VANGUARD INDEX FDS	VALUE ETF	922908744	11,376,566	76,011	SH		SOLE		0	0	76,011
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	478,403	4,309	SH		SOLE		0	0	4,309
VANGUARD MALVERN FDS	CORE-PLUS BD ETF	922020755	393,828	5,143	SH		SOLE		0	0	5,143
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	816,452	17,174	SH		SOLE		0	0	17,174
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,353,012	46,622	SH		SOLE		0	0	46,622
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	4,143,722	51,494	SH		SOLE		0	0	51,494
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	442,785	2,567	SH		SOLE		0	0	2,567
VANGUARD STAR FDS	VG TL INTL STK F	921909768	292,204	5,180	SH		SOLE		0	0	5,180
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,181,223	25,186	SH		SOLE		0	0	25,186
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	1,936,411	24,630	SH		SOLE		0	0	24,630
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,252,329	29,572	SH		SOLE		0	0	29,572
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	2,388,941	8,902	SH		SOLE		0	0	8,902
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	236,727	2,546	SH		SOLE		0	0	2,546
VERTEX PHARMACEUTICALS INC	COM	92532F100	565,981	1,286	SH		SOLE		0	0	1,286
VISA INC	COM CL A	92826C839	773,462	2,852	SH		SOLE		0	0	2,852
WALMART INC	COM	931142103	572,750	3,527	SH		SOLE		0	0	3,527
WELLS FARGO CO NEW	COM	949746101	749,886	15,452	SH		SOLE		0	0	15,452
WISDOMTREE TR	GLB US QTLY DIV	97717W844	2,856,859	79,468	SH		SOLE		0	0	79,468
WISDOMTREE TR	ITL HIGH DIV FD	97717W802	1,434,937	38,062	SH		SOLE		0	0	38,062
WISDOMTREE TR	US MIDCAP FUND	97717W570	3,853,280	67,637	SH		SOLE		0	0	67,637