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
2023 ETF SERIES TRUST II	GMO US QUALITY E	90139K100	282,305	8,657	SH		SOLE		0	0	8,657
ABBVIE INC	COM	00287Y109	894,387	4,529	SH		SOLE		0	0	4,529
ADOBE INC	COM	00724F101	266,657	515	SH		SOLE		0	0	515
ADVANCED MICRO DEVICES INC	COM	007903107	275,490	1,679	SH		SOLE		0	0	1,679
AES CORP	COM	00130H105	334,601	16,680	SH		SOLE		0	0	16,680
ALLEGION PLC	ORD SHS	G0176J109	380,527	2,611	SH		SOLE		0	0	2,611
ALNYLAM PHARMACEUTICALS INC	COM	02043Q107	283,281	1,030	SH		SOLE		0	0	1,030
ALPHABET INC	CAP STK CL A	02079K305	1,403,091	8,460	SH		SOLE		0	0	8,460
ALPHABET INC	CAP STK CL C	02079K107	1,823,739	10,908	SH		SOLE		0	0	10,908
AMAZON COM INC	COM	023135106	4,299,751	23,076	SH		SOLE		0	0	23,076
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	1,311,445	20,301	SH		SOLE		0	0	20,301
AMERICAN CENTY ETF TR	EMERGING MKT VAL	025072372	794,979	15,247	SH		SOLE		0	0	15,247
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	488,850	7,293	SH		SOLE		0	0	7,293
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	346,707	4,906	SH		SOLE		0	0	4,906
AMERICAN EXPRESS CO	COM	025816109	663,084	2,445	SH		SOLE		0	0	2,445
APPLE INC	COM	037833100	19,841,027	85,155	SH		SOLE		0	0	85,155
APPLIED MATLS INC	COM	038222105	305,904	1,514	SH		SOLE		0	0	1,514
ARISTA NETWORKS INC	COM	040413106	350,811	914	SH		SOLE		0	0	914
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	320,801	385	SH		SOLE		0	0	385
ASTRAZENECA PLC	SPONSORED ADR	046353108	247,442	3,176	SH		SOLE		0	0	3,176
AT&T INC	COM	00206R102	820,738	37,306	SH		SOLE		0	0	37,306
AURORA INNOVATION INC	CLASS A COM	051774107	212,238	35,851	SH		SOLE		0	0	35,851
AZEK CO INC	CL A	05478C105	242,752	5,187	SH		SOLE		0	0	5,187
BANK AMERICA CORP	COM	060505104	1,521,685	38,349	SH		SOLE		0	0	38,349
BANK NEW YORK MELLON CORP	COM	064058100	239,581	3,334	SH		SOLE		0	0	3,334
BECTON DICKINSON & CO	COM	075887109	427,470	1,773	SH		SOLE		0	0	1,773
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,932,791	6,372	SH		SOLE		0	0	6,372
BHP GROUP LTD	SPONSORED ADS	088606108	492,905	7,936	SH		SOLE		0	0	7,936
BLACKROCK ETF TRUST II	FLEXIBLE INCOME	092528603	7,719,887	144,216	SH		SOLE		0	0	144,216
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	650,192	53,602	SH		SOLE		0	0	53,602
BLACKROCK MUNIYIELD N Y QUAL	COM	09255E102	506,692	47,003	SH		SOLE		0	0	47,003
BOEING CO	COM	097023105	381,924	2,512	SH		SOLE		0	0	2,512
BOSTON SCIENTIFIC CORP	COM	101137107	643,584	7,680	SH		SOLE		0	0	7,680
BROADCOM INC	COM	11135F101	467,648	2,711	SH		SOLE		0	0	2,711
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	8,461,802	116,924	SH		SOLE		0	0	116,924
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	370,452	16,023	SH		SOLE		0	0	16,023
CATERPILLAR INC	COM	149123101	662,166	1,693	SH		SOLE		0	0	1,693
CHEVRON CORP NEW	COM	166764100	516,623	3,508	SH		SOLE		0	0	3,508
CHUBB LIMITED	COM	H1467J104	312,326	1,083	SH		SOLE		0	0	1,083
CISCO SYS INC	COM	17275R102	360,778	6,779	SH		SOLE		0	0	6,779
CITIGROUP INC	COM NEW	172967424	871,022	13,914	SH		SOLE		0	0	13,914
COCA COLA CO	COM	191216100	563,957	7,848	SH		SOLE		0	0	7,848
COHEN & STEERS QUALITY INCOM	COM	19247L106	211,232	14,907	SH		SOLE		0	0	14,907
COLUMBIA ETF TR II	EM CORE EX ETF	19762B202	6,525,865	199,751	SH		SOLE		0	0	199,751
COMCAST CORP NEW	CL A	20030N101	697,100	16,689	SH		SOLE		0	0	16,689
CONOCOPHILLIPS	COM	20825C104	332,264	3,156	SH		SOLE		0	0	3,156
CONSOLIDATED EDISON INC	COM	209115104	708,026	6,799	SH		SOLE		0	0	6,799
CONSTELLATION ENERGY CORP	COM	21037T109	346,347	1,332	SH		SOLE		0	0	1,332
COSTCO WHSL CORP NEW	COM	22160K105	906,041	1,022	SH		SOLE		0	0	1,022
DANAHER CORPORATION	COM	235851102	820,993	2,953	SH		SOLE		0	0	2,953
DEERE & CO	COM	244199105	667,085	1,598	SH		SOLE		0	0	1,598
DENALI THERAPEUTICS INC	COM	24823R105	222,611	7,642	SH		SOLE		0	0	7,642
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	4,069,171	142,979	SH		SOLE		0	0	142,979
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	2,132,964	77,817	SH		SOLE		0	0	77,817
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,479,179	91,365	SH		SOLE		0	0	91,365
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	551,764	17,362	SH		SOLE		0	0	17,362
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	2,103,898	75,953	SH		SOLE		0	0	75,953
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	227,070	4,678	SH		SOLE		0	0	4,678
DISNEY WALT CO	COM	254687106	945,815	9,833	SH		SOLE		0	0	9,833
DOW INC	COM	260557103	292,380	5,352	SH		SOLE		0	0	5,352
DUKE ENERGY CORP NEW	COM NEW	26441C204	338,060	2,932	SH		SOLE		0	0	2,932
EA SERIES TRUST	US QUAN VALUE	02072L102	983,301	21,313	SH		SOLE		0	0	21,313
EATON CORP PLC	SHS	G29183103	912,786	2,754	SH		SOLE		0	0	2,754
ELI LILLY & CO	COM	532457108	2,723,380	3,074	SH		SOLE		0	0	3,074
ENTERPRISE PRODS PARTNERS L	COM	293792107	208,078	7,148	SH		SOLE		0	0	7,148
EOG RES INC	COM	26875P101	290,975	2,367	SH		SOLE		0	0	2,367
EXXON MOBIL CORP	COM	30231G102	2,955,233	25,211	SH		SOLE		0	0	25,211
FEDEX CORP	COM	31428X106	275,596	1,007	SH		SOLE		0	0	1,007
FIDELITY COVINGTON TRUST	ENHANCED INTL	31609A404	448,954	14,827	SH		SOLE		0	0	14,827
FIDELITY COVINGTON TRUST	ENHANCED MID	31609A503	392,631	12,209	SH		SOLE		0	0	12,209
FIDELITY COVINGTON TRUST	HIGH YILD ETF	316092618	496,749	10,074	SH		SOLE		0	0	10,074
FIDELITY COVINGTON TRUST	MSCI FINLS IDX	316092501	381,216	5,970	SH		SOLE		0	0	5,970
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	508,905	10,888	SH		SOLE		0	0	10,888
FIFTH THIRD BANCORP	COM	316773100	378,821	8,843	SH		SOLE		0	0	8,843
FIRSTENERGY CORP	COM	337932107	332,980	7,508	SH		SOLE		0	0	7,508
FISERV INC	COM	337738108	206,238	1,148	SH		SOLE		0	0	1,148
FREEPORT-MCMORAN INC	CL B	35671D857	546,225	10,942	SH		SOLE		0	0	10,942
GE AEROSPACE	COM NEW	369604301	1,406,430	7,458	SH		SOLE		0	0	7,458
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	235,094	2,505	SH		SOLE		0	0	2,505
GE VERNOVA INC	COM	36828A101	460,239	1,805	SH		SOLE		0	0	1,805
GENERAL DYNAMICS CORP	COM	369550108	2,139,878	7,081	SH		SOLE		0	0	7,081
GLOBAL X FDS	US PFD ETF	37954Y657	254,971	12,270	SH		SOLE		0	0	12,270
GOLDMAN SACHS GROUP INC	COM	38141G104	427,775	864	SH		SOLE		0	0	864
HESS CORP	COM	42809H107	301,476	2,220	SH		SOLE		0	0	2,220
HOME DEPOT INC	COM	437076102	1,767,888	4,363	SH		SOLE		0	0	4,363
HONEYWELL INTL INC	COM	438516106	923,994	4,470	SH		SOLE		0	0	4,470
INGERSOLL RAND INC	COM	45687V106	1,601,382	16,314	SH		SOLE		0	0	16,314
INTEL CORP	COM	458140100	402,738	17,167	SH		SOLE		0	0	17,167
INTERNATIONAL BUSINESS MACHS	COM	459200101	615,266	2,783	SH		SOLE		0	0	2,783
INTUIT	COM	461202103	710,424	1,144	SH		SOLE		0	0	1,144
INVESCO EXCH TRADED FD TR II	FNDMNTL IG CRP	46138E693	699,456	28,963	SH		SOLE		0	0	28,963
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	3,540,982	67,926	SH		SOLE		0	0	67,926
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	2,537,306	79,890	SH		SOLE		0	0	79,890
INVESCO EXCH TRADED FD TR II	S&P SMLCAP QTY	46138G300	7,444,107	171,959	SH		SOLE		0	0	171,959
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	1,848,888	16,145	SH		SOLE		0	0	16,145
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	18,361,703	451,925	SH		SOLE		0	0	451,925
INVESCO EXCHANGE TRADED FD T	INTL DIVI ACHI	46137V548	881,436	44,562	SH		SOLE		0	0	44,562
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	4,601,562	43,963	SH		SOLE		0	0	43,963
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	1,139,561	11,109	SH		SOLE		0	0	11,109
INVESCO EXCHANGE TRADED FD T	S&P MDCP VLU MNT	46137V456	1,019,465	18,392	SH		SOLE		0	0	18,392
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	16,094,339	89,832	SH		SOLE		0	0	89,832
INVESCO EXCHANGE TRADED FD T	S&P500 PUR VAL	46137V258	1,771,065	19,918	SH		SOLE		0	0	19,918
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	675,054	10,035	SH		SOLE		0	0	10,035
INVESCO QQQ TR	UNIT SER 1	46090E103	1,194,307	2,447	SH		SOLE		0	0	2,447
ISHARES INC	CORE MSCI EMKT	46434G103	308,292	5,370	SH		SOLE		0	0	5,370
ISHARES INC	MSCI EMRG CHN	46434G764	717,248	11,737	SH		SOLE		0	0	11,737
ISHARES INC	MSCI JPN ETF NEW	46434G822	496,058	6,934	SH		SOLE		0	0	6,934
ISHARES TR	0-5 YR TIPS ETF	46429B747	2,472,917	24,407	SH		SOLE		0	0	24,407
ISHARES TR	1 3 YR TREAS BD	464287457	511,788	6,155	SH		SOLE		0	0	6,155
ISHARES TR	CORE DIV GRWTH	46434V621	559,374	8,923	SH		SOLE		0	0	8,923
ISHARES TR	CORE DIVID ETF	46435U861	2,499,584	51,591	SH		SOLE		0	0	51,591
ISHARES TR	CORE MSCI EAFE	46432F842	982,025	12,582	SH		SOLE		0	0	12,582
ISHARES TR	CORE MSCI TOTAL	46432F834	758,704	10,446	SH		SOLE		0	0	10,446
ISHARES TR	CORE S&P MCP ETF	464287507	4,158,450	66,727	SH		SOLE		0	0	66,727
ISHARES TR	CORE S&P SCP ETF	464287804	3,029,985	25,906	SH		SOLE		0	0	25,906
ISHARES TR	CORE S&P US VLU	464287663	4,851,751	50,809	SH		SOLE		0	0	50,809
ISHARES TR	CORE S&P500 ETF	464287200	12,418,393	21,529	SH		SOLE		0	0	21,529
ISHARES TR	EAFE GRWTH ETF	464288885	3,564,327	33,110	SH		SOLE		0	0	33,110
ISHARES TR	EAFE SML CP ETF	464288273	1,706,108	25,201	SH		SOLE		0	0	25,201
ISHARES TR	EAFE VALUE ETF	464288877	1,373,816	23,880	SH		SOLE		0	0	23,880
ISHARES TR	FALN ANGLS USD	46435G474	8,036,839	293,959	SH		SOLE		0	0	293,959
ISHARES TR	FLTG RATE NT ETF	46429B655	536,890	10,519	SH		SOLE		0	0	10,519
ISHARES TR	IBOXX INV CP ETF	464287242	331,935	2,938	SH		SOLE		0	0	2,938
ISHARES TR	INTERNATIONAL SL	46434V266	342,278	9,710	SH		SOLE		0	0	9,710
ISHARES TR	INVESTMENT GRADE	46435G219	1,997,838	42,992	SH		SOLE		0	0	42,992
ISHARES TR	ISHS 5-10YR INVT	464288638	4,386,184	81,649	SH		SOLE		0	0	81,649
ISHARES TR	MBS ETF	464288588	382,761	3,995	SH		SOLE		0	0	3,995
ISHARES TR	MRGSTR MD CP GRW	464288307	211,029	2,892	SH		SOLE		0	0	2,892
ISHARES TR	MRGSTR SM CP GR	464288604	423,896	8,658	SH		SOLE		0	0	8,658
ISHARES TR	MSCI ACWI EX US	464288240	211,714	3,700	SH		SOLE		0	0	3,700
ISHARES TR	MSCI EAFE ETF	464287465	863,563	10,326	SH		SOLE		0	0	10,326
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,459,601	19,030	SH		SOLE		0	0	19,030
ISHARES TR	MSCI INTL QUALTY	46434V456	7,779,613	187,506	SH		SOLE		0	0	187,506
ISHARES TR	MSCI INTL VLU FT	46435G409	364,282	12,336	SH		SOLE		0	0	12,336
ISHARES TR	MSCI USA MIN VOL	46429B697	205,904	2,255	SH		SOLE		0	0	2,255
ISHARES TR	MSCI USA QLT FCT	46432F339	4,272,719	23,830	SH		SOLE		0	0	23,830
ISHARES TR	NATIONAL MUN ETF	464288414	2,854,036	26,273	SH		SOLE		0	0	26,273
ISHARES TR	NEW YORK MUN ETF	464288323	386,449	7,113	SH		SOLE		0	0	7,113
ISHARES TR	RUS 1000 ETF	464287622	4,640,396	14,760	SH		SOLE		0	0	14,760
ISHARES TR	RUS 1000 GRW ETF	464287614	12,004,277	31,979	SH		SOLE		0	0	31,979
ISHARES TR	RUS 1000 VAL ETF	464287598	11,940,859	62,913	SH		SOLE		0	0	62,913
ISHARES TR	RUS MD CP GR ETF	464287481	257,452	2,195	SH		SOLE		0	0	2,195
ISHARES TR	RUS MDCP VAL ETF	464287473	370,300	2,800	SH		SOLE		0	0	2,800
ISHARES TR	RUS MID CAP ETF	464287499	850,463	9,649	SH		SOLE		0	0	9,649
ISHARES TR	RUSSELL 2000 ETF	464287655	1,049,228	4,750	SH		SOLE		0	0	4,750
ISHARES TR	S&P 500 GRWT ETF	464287309	2,381,838	24,876	SH		SOLE		0	0	24,876
ISHARES TR	S&P 500 VAL ETF	464287408	291,023	1,476	SH		SOLE		0	0	1,476
ISHARES TR	S&P MC 400GR ETF	464287606	895,950	9,746	SH		SOLE		0	0	9,746
ISHARES TR	S&P MC 400VL ETF	464287705	1,976,189	15,986	SH		SOLE		0	0	15,986
ISHARES TR	S&P SML 600 GWT	464287887	396,431	2,842	SH		SOLE		0	0	2,842
ISHARES TR	SELECT DIVID ETF	464287168	458,833	3,397	SH		SOLE		0	0	3,397
ISHARES TR	SP SMCP600VL ETF	464287879	488,919	4,541	SH		SOLE		0	0	4,541
ISHARES TR	US REGNL BKS ETF	464288778	267,508	5,627	SH		SOLE		0	0	5,627
ISHARES TR	USD INV GRDE ETF	464288620	844,645	16,064	SH		SOLE		0	0	16,064
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	637,323	10,424	SH		SOLE		0	0	10,424
J P MORGAN EXCHANGE TRADED F	SMALL & MID CAP	46641Q118	230,246	3,777	SH		SOLE		0	0	3,777
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	16,529,350	292,193	SH		SOLE		0	0	292,193
JANUS DETROIT STR TR	HENDERSN SML ETF	47103U209	2,412,307	33,225	SH		SOLE		0	0	33,225
JANUS DETROIT STR TR	HENDERSON MTG	47103U852	1,959,627	42,007	SH		SOLE		0	0	42,007
JANUS DETROIT STR TR	HENDRSON AAA CL	47103U845	4,276,413	84,049	SH		SOLE		0	0	84,049
JOHNSON & JOHNSON	COM	478160104	1,284,001	7,923	SH		SOLE		0	0	7,923
JPMORGAN CHASE & CO.	COM	46625H100	2,335,712	11,077	SH		SOLE		0	0	11,077
LINDE PLC	SHS	G54950103	276,579	580	SH		SOLE		0	0	580
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	51,021	16,353	SH		SOLE		0	0	16,353
LOCKHEED MARTIN CORP	COM	539830109	795,586	1,361	SH		SOLE		0	0	1,361
LOWES COS INC	COM	548661107	1,199,595	4,429	SH		SOLE		0	0	4,429
M & T BK CORP	COM	55261F104	285,704	1,604	SH		SOLE		0	0	1,604
MARSH & MCLENNAN COS INC	COM	571748102	330,842	1,483	SH		SOLE		0	0	1,483
MARVELL TECHNOLOGY INC	COM	573874104	569,027	7,890	SH		SOLE		0	0	7,890
MASTERCARD INCORPORATED	CL A	57636Q104	529,852	1,073	SH		SOLE		0	0	1,073
MCDONALDS CORP	COM	580135101	381,247	1,252	SH		SOLE		0	0	1,252
MCKESSON CORP	COM	58155Q103	215,073	435	SH		SOLE		0	0	435
MERCK & CO INC	COM	58933Y105	1,873,626	16,499	SH		SOLE		0	0	16,499
META PLATFORMS INC	CL A	30303M102	1,810,628	3,163	SH		SOLE		0	0	3,163
MICRON TECHNOLOGY INC	COM	595112103	200,783	1,936	SH		SOLE		0	0	1,936
MICROSOFT CORP	COM	594918104	8,100,828	18,826	SH		SOLE		0	0	18,826
MONDELEZ INTL INC	CL A	609207105	582,582	7,908	SH		SOLE		0	0	7,908
MORGAN STANLEY	COM NEW	617446448	794,517	7,622	SH		SOLE		0	0	7,622
NETFLIX INC	COM	64110L106	361,038	509	SH		SOLE		0	0	509
NEXTERA ENERGY INC	COM	65339F101	719,857	8,516	SH		SOLE		0	0	8,516
NIKE INC	CL B	654106103	364,746	4,126	SH		SOLE		0	0	4,126
NORFOLK SOUTHN CORP	COM	655844108	284,284	1,144	SH		SOLE		0	0	1,144
NOVO-NORDISK A S	ADR	670100205	339,945	2,855	SH		SOLE		0	0	2,855
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	1,032,508	86,258	SH		SOLE		0	0	86,258
NUVEEN AMT-FREE MUN VALUE FD	COM	670695105	220,851	15,531	SH		SOLE		0	0	15,531
NUVEEN MUN VALUE FD INC	COM	670928100	1,030,535	114,250	SH		SOLE		0	0	114,250
NUVEEN N Y MUN VALUE FD	COM	67062M105	683,307	79,362	SH		SOLE		0	0	79,362
NUVEEN N Y SELECT TAX FREE I	SH BEN INT	67063V104	434,019	35,663	SH		SOLE		0	0	35,663
NUVEEN NEW JERSEY QULT MUN F	COM	67069Y102	1,913,384	146,732	SH		SOLE		0	0	146,732
NUVEEN NEW YORK AMT QLT MUNI	COM	670656107	548,397	48,964	SH		SOLE		0	0	48,964
NUVEEN QUALITY MUNCP INCOME	COM	67066V101	926,878	74,869	SH		SOLE		0	0	74,869
NUVEEN SELECT TAX-FREE INCOM	SH BEN INT	67062F100	640,105	42,363	SH		SOLE		0	0	42,363
NVIDIA CORPORATION	COM	67066G104	4,089,807	33,678	SH		SOLE		0	0	33,678
ORACLE CORP	COM	68389X105	5,016,917	29,442	SH		SOLE		0	0	29,442
PACER FDS TR	PACER US SMALL	69374H857	1,133,925	24,375	SH		SOLE		0	0	24,375
PACER FDS TR	US CASH COWS 100	69374H881	718,381	12,422	SH		SOLE		0	0	12,422
PEPSICO INC	COM	713448108	862,310	5,071	SH		SOLE		0	0	5,071
PFIZER INC	COM	717081103	2,330,799	80,539	SH		SOLE		0	0	80,539
PIMCO ETF TR	INTER MUN BD ACT	72201R866	1,184,103	22,350	SH		SOLE		0	0	22,350
PIMCO ETF TR	MULTISECTOR BD	72201R585	1,677,271	62,937	SH		SOLE		0	0	62,937
PNC FINL SVCS GROUP INC	COM	693475105	756,776	4,094	SH		SOLE		0	0	4,094
PROCTER AND GAMBLE CO	COM	742718109	1,021,880	5,900	SH		SOLE		0	0	5,900
PROLOGIS INC.	COM	74340W103	247,635	1,961	SH		SOLE		0	0	1,961
PROSHARES TR	S&P 500 DV ARIST	74348A467	2,425,374	22,718	SH		SOLE		0	0	22,718
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	477,095	5,348	SH		SOLE		0	0	5,348
QUALCOMM INC	COM	747525103	745,329	4,383	SH		SOLE		0	0	4,383
RIO TINTO PLC	SPONSORED ADR	767204100	392,147	5,510	SH		SOLE		0	0	5,510
RTX CORPORATION	COM	75513E101	346,154	2,857	SH		SOLE		0	0	2,857
SAFEHOLD INC	COM	78646V107	327,280	12,477	SH		SOLE		0	0	12,477
SALESFORCE INC	COM	79466L302	233,201	852	SH		SOLE		0	0	852
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524748	4,627,557	121,299	SH		SOLE		0	0	121,299
SCHWAB STRATEGIC TR	FUNDAMENTAL US L	808524771	413,194	5,758	SH		SOLE		0	0	5,758
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	689,596	8,158	SH		SOLE		0	0	8,158
SEALED AIR CORP NEW	COM	81211K100	822,558	22,660	SH		SOLE		0	0	22,660
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,026,704	22,655	SH		SOLE		0	0	22,655
SELECT SECTOR SPDR TR	INDL	81369Y704	432,866	3,196	SH		SOLE		0	0	3,196
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	259,624	3,128	SH		SOLE		0	0	3,128
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	220,095	1,429	SH		SOLE		0	0	1,429
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	712,499	3,156	SH		SOLE		0	0	3,156
SHELL PLC	SPON ADS	780259305	246,521	3,738	SH		SOLE		0	0	3,738
SHOPIFY INC	CL A	82509L107	464,011	5,790	SH		SOLE		0	0	5,790
SIMON PPTY GROUP INC NEW	COM	828806109	241,699	1,430	SH		SOLE		0	0	1,430
SNOWFLAKE INC	CL A	833445109	330,337	2,876	SH		SOLE		0	0	2,876
SOUTHERN CO	COM	842587107	627,048	6,953	SH		SOLE		0	0	6,953
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,270,148	5,700	SH		SOLE		0	0	5,700
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	4,092,437	7,184	SH		SOLE		0	0	7,184
SPDR SER TR	BBG CONV SEC ETF	78464A359	247,386	3,230	SH		SOLE		0	0	3,230
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	1,412,301	53,761	SH		SOLE		0	0	53,761
SPDR SER TR	PORTFOLIO CRPORT	78464A144	3,073,991	102,364	SH		SOLE		0	0	102,364
SPDR SER TR	PORTFOLIO INTRMD	78464A375	1,939,943	57,548	SH		SOLE		0	0	57,548
SPDR SER TR	PORTFOLIO S&P400	78464A847	316,050	5,780	SH		SOLE		0	0	5,780
SPDR SER TR	PORTFOLIO S&P600	78468R853	3,403,676	74,790	SH		SOLE		0	0	74,790
SPDR SER TR	PRTFLO S&P500 GW	78464A409	7,470,277	90,068	SH		SOLE		0	0	90,068
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,927,915	55,390	SH		SOLE		0	0	55,390
SPDR SER TR	S&P BIOTECH	78464A870	446,774	4,522	SH		SOLE		0	0	4,522
STRYKER CORPORATION	COM	863667101	587,770	1,627	SH		SOLE		0	0	1,627
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	388,152	2,235	SH		SOLE		0	0	2,235
TEMPLETON EMERGING MKTS INCO	COM	880192109	92,697	15,900	SH		SOLE		0	0	15,900
TESLA INC	COM	88160R101	718,959	2,748	SH		SOLE		0	0	2,748
THE CIGNA GROUP	COM	125523100	413,996	1,195	SH		SOLE		0	0	1,195
THERMO FISHER SCIENTIFIC INC	COM	883556102	371,142	600	SH		SOLE		0	0	600
TJX COS INC NEW	COM	872540109	893,892	7,605	SH		SOLE		0	0	7,605
T-MOBILE US INC	COM	872590104	200,376	971	SH		SOLE		0	0	971
TORONTO DOMINION BK ONT	COM NEW	891160509	234,821	3,712	SH		SOLE		0	0	3,712
TRANE TECHNOLOGIES PLC	SHS	G8994E103	4,877,395	12,547	SH		SOLE		0	0	12,547
TRAVELERS COMPANIES INC	COM	89417E109	237,164	1,013	SH		SOLE		0	0	1,013
UNILEVER PLC	SPON ADR NEW	904767704	416,524	6,412	SH		SOLE		0	0	6,412
UNION PAC CORP	COM	907818108	236,621	960	SH		SOLE		0	0	960
UNITED PARCEL SERVICE INC	CL B	911312106	301,857	2,214	SH		SOLE		0	0	2,214
UNITEDHEALTH GROUP INC	COM	91324P102	1,435,974	2,456	SH		SOLE		0	0	2,456
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	1,025,527	34,870	SH		SOLE		0	0	34,870
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	210,230	3,961	SH		SOLE		0	0	3,961
VANECK ETF TRUST	SHRT HGH YLD MUN	92189F387	1,653,471	72,776	SH		SOLE		0	0	72,776
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,472,005	13,607	SH		SOLE		0	0	13,607
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,853,686	23,653	SH		SOLE		0	0	23,653
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,184,808	3,086	SH		SOLE		0	0	3,086
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	712,478	2,706	SH		SOLE		0	0	2,706
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	348,586	2,079	SH		SOLE		0	0	2,079
VANGUARD INDEX FDS	MID CAP ETF	922908629	789,934	2,994	SH		SOLE		0	0	2,994
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	6,947,627	13,167	SH		SOLE		0	0	13,167
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,648,605	8,211	SH		SOLE		0	0	8,211
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,040,330	3,674	SH		SOLE		0	0	3,674
VANGUARD INDEX FDS	VALUE ETF	922908744	14,007,200	80,238	SH		SOLE		0	0	80,238
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	637,226	5,059	SH		SOLE		0	0	5,059
VANGUARD MALVERN FDS	CORE-PLUS BD ETF	922020755	674,220	8,500	SH		SOLE		0	0	8,500
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	3,766,742	76,389	SH		SOLE		0	0	76,389
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,352,338	46,016	SH		SOLE		0	0	46,016
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,638,268	43,442	SH		SOLE		0	0	43,442
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	512,890	2,590	SH		SOLE		0	0	2,590
VANGUARD STAR FDS	VG TL INTL STK F	921909768	361,055	5,577	SH		SOLE		0	0	5,577
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,360,914	25,770	SH		SOLE		0	0	25,770
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	2,278,600	25,811	SH		SOLE		0	0	25,811
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	294,229	2,677	SH		SOLE		0	0	2,677
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	8,165,920	63,657	SH		SOLE		0	0	63,657
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	2,837,683	8,814	SH		SOLE		0	0	8,814
VERIZON COMMUNICATIONS INC	COM	92343V104	270,044	6,013	SH		SOLE		0	0	6,013
VERTEX PHARMACEUTICALS INC	COM	92532F100	811,565	1,745	SH		SOLE		0	0	1,745
VISA INC	COM CL A	92826C839	930,706	3,385	SH		SOLE		0	0	3,385
WALMART INC	COM	931142103	1,195,983	14,811	SH		SOLE		0	0	14,811
WASTE MGMT INC DEL	COM	94106L109	218,603	1,053	SH		SOLE		0	0	1,053
WATSCO INC	COM	942622200	241,513	491	SH		SOLE		0	0	491
WELLS FARGO CO NEW	COM	949746101	983,152	17,404	SH		SOLE		0	0	17,404
WISDOMTREE TR	GLB US QTLY DIV	97717W844	3,404,770	86,426	SH		SOLE		0	0	86,426
WISDOMTREE TR	ITL HIGH DIV FD	97717W802	1,489,761	35,950	SH		SOLE		0	0	35,950
WISDOMTREE TR	US MIDCAP FUND	97717W570	4,979,625	79,878	SH		SOLE		0	0	79,878
XYLEM INC	COM	98419M100	218,208	1,616	SH		SOLE		0	0	1,616