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	292,206	9,140	SH		SOLE		0	0	9,140
ABBVIE INC	COM	00287Y109	892,232	5,021	SH		SOLE		0	0	5,021
ADOBE INC	COM	00724F101	226,787	510	SH		SOLE		0	0	510
ADVANCED MICRO DEVICES INC	COM	007903107	213,436	1,767	SH		SOLE		0	0	1,767
ALLEGION PLC	ORD SHS	G0176J109	341,205	2,611	SH		SOLE		0	0	2,611
ALNYLAM PHARMACEUTICALS INC	COM	02043Q107	242,134	1,029	SH		SOLE		0	0	1,029
ALPHABET INC	CAP STK CL A	02079K305	1,627,034	8,595	SH		SOLE		0	0	8,595
ALPHABET INC	CAP STK CL C	02079K107	2,054,882	10,790	SH		SOLE		0	0	10,790
AMAZON COM INC	COM	023135106	5,040,924	22,977	SH		SOLE		0	0	22,977
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	1,565,754	26,633	SH		SOLE		0	0	26,633
AMERICAN CENTY ETF TR	EMERGING MKT VAL	025072372	677,107	14,656	SH		SOLE		0	0	14,656
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	482,614	7,864	SH		SOLE		0	0	7,864
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	455,495	6,999	SH		SOLE		0	0	6,999
AMERICAN EXPRESS CO	COM	025816109	703,986	2,372	SH		SOLE		0	0	2,372
AMGEN INC	COM	031162100	265,853	1,020	SH		SOLE		0	0	1,020
APPLE INC	COM	037833100	21,183,622	84,592	SH		SOLE		0	0	84,592
APPLIED MATLS INC	COM	038222105	245,409	1,509	SH		SOLE		0	0	1,509
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	270,301	390	SH		SOLE		0	0	390
AT&T INC	COM	00206R102	1,109,691	48,735	SH		SOLE		0	0	48,735
AURORA INNOVATION INC	CLASS A COM	051774107	406,394	64,507	SH		SOLE		0	0	64,507
AZEK CO INC	CL A	05478C105	254,202	5,355	SH		SOLE		0	0	5,355
BANK AMERICA CORP	COM	060505104	1,666,034	37,907	SH		SOLE		0	0	37,907
BANK NEW YORK MELLON CORP	COM	064058100	258,072	3,359	SH		SOLE		0	0	3,359
BECTON DICKINSON & CO	COM	075887109	365,488	1,611	SH		SOLE		0	0	1,611
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,907,805	6,415	SH		SOLE		0	0	6,415
BHP GROUP LTD	SPONSORED ADS	088606108	339,173	6,946	SH		SOLE		0	0	6,946
BLACKROCK ETF TRUST II	ISHARES FLEXIBLE	092528603	9,373,987	180,200	SH		SOLE		0	0	180,200
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	1,003,805	90,678	SH		SOLE		0	0	90,678
BLACKROCK MUNIHLDGS NY QLTY	COM	09255C106	270,670	26,177	SH		SOLE		0	0	26,177
BLACKROCK MUNIYIELD N Y QUAL	COM	09255E102	558,200	55,377	SH		SOLE		0	0	55,377
BOEING CO	COM	097023105	521,973	2,949	SH		SOLE		0	0	2,949
BOSTON SCIENTIFIC CORP	COM	101137107	684,727	7,666	SH		SOLE		0	0	7,666
BROADCOM INC	COM	11135F101	630,837	2,721	SH		SOLE		0	0	2,721
CAMBRIA ETF TR	SHSHLD YIELD ETF	132061201	8,116,500	118,541	SH		SOLE		0	0	118,541
CAPITAL GRP FIXED INCM ETF T	CORE PLUS INCM	14020Y102	364,879	16,436	SH		SOLE		0	0	16,436
CATERPILLAR INC	COM	149123101	615,966	1,698	SH		SOLE		0	0	1,698
CHEVRON CORP NEW	COM	166764100	493,035	3,404	SH		SOLE		0	0	3,404
CHUBB LIMITED	COM	H1467J104	297,851	1,078	SH		SOLE		0	0	1,078
CISCO SYS INC	COM	17275R102	381,485	6,444	SH		SOLE		0	0	6,444
CITIGROUP INC	COM NEW	172967424	1,012,778	14,388	SH		SOLE		0	0	14,388
COCA COLA CO	COM	191216100	475,355	7,635	SH		SOLE		0	0	7,635
COHEN & STEERS QUALITY INCOM	COM	19247L106	227,835	18,614	SH		SOLE		0	0	18,614
COLUMBIA ETF TR II	EM CORE EX ETF	19762B202	6,074,128	205,207	SH		SOLE		0	0	205,207
COMCAST CORP NEW	CL A	20030N101	693,892	18,489	SH		SOLE		0	0	18,489
CONOCOPHILLIPS	COM	20825C104	273,114	2,754	SH		SOLE		0	0	2,754
CONSOLIDATED EDISON INC	COM	209115104	578,197	6,480	SH		SOLE		0	0	6,480
CONSTELLATION ENERGY CORP	COM	21037T109	357,041	1,596	SH		SOLE		0	0	1,596
COSTCO WHSL CORP NEW	COM	22160K105	908,958	992	SH		SOLE		0	0	992
DANAHER CORPORATION	COM	235851102	647,790	2,822	SH		SOLE		0	0	2,822
DATADOG INC	CL A COM	23804L103	232,911	1,630	SH		SOLE		0	0	1,630
DEERE & CO	COM	244199105	695,526	1,642	SH		SOLE		0	0	1,642
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	3,932,386	150,034	SH		SOLE		0	0	150,034
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	2,189,837	86,316	SH		SOLE		0	0	86,316
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,574,887	100,758	SH		SOLE		0	0	100,758
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	641,699	21,976	SH		SOLE		0	0	21,976
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	1,656,905	65,672	SH		SOLE		0	0	65,672
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	248,261	5,197	SH		SOLE		0	0	5,197
DISNEY WALT CO	COM	254687106	970,725	8,718	SH		SOLE		0	0	8,718
DUKE ENERGY CORP NEW	COM NEW	26441C204	321,281	2,982	SH		SOLE		0	0	2,982
EA SERIES TRUST	US QUAN VALUE	02072L102	982,035	21,999	SH		SOLE		0	0	21,999
EATON CORP PLC	SHS	G29183103	929,236	2,800	SH		SOLE		0	0	2,800
ELI LILLY & CO	COM	532457108	2,224,132	2,881	SH		SOLE		0	0	2,881
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	403,672	20,606	SH		SOLE		0	0	20,606
ENTERPRISE PRODS PARTNERS L	COM	293792107	224,161	7,148	SH		SOLE		0	0	7,148
EOG RES INC	COM	26875P101	277,889	2,267	SH		SOLE		0	0	2,267
EXXON MOBIL CORP	COM	30231G102	2,751,425	25,578	SH		SOLE		0	0	25,578
FEDEX CORP	COM	31428X106	281,893	1,002	SH		SOLE		0	0	1,002
FIDELITY COVINGTON TRUST	ENHANCED HIGH YI	316092618	620,399	12,858	SH		SOLE		0	0	12,858
FIDELITY COVINGTON TRUST	ENHANCED INTL	31609A404	910,658	33,079	SH		SOLE		0	0	33,079
FIDELITY COVINGTON TRUST	ENHANCED MID	31609A503	395,795	12,049	SH		SOLE		0	0	12,049
FIDELITY COVINGTON TRUST	MSCI FINLS IDX	316092501	410,020	5,970	SH		SOLE		0	0	5,970
FIDELITY MERRIMACK STR TR	TOTAL BD ETF	316188309	442,867	9,870	SH		SOLE		0	0	9,870
FIFTH THIRD BANCORP	COM	316773100	383,678	9,075	SH		SOLE		0	0	9,075
FIRSTENERGY CORP	COM	337932107	298,668	7,508	SH		SOLE		0	0	7,508
FISERV INC	COM	337738108	235,206	1,145	SH		SOLE		0	0	1,145
FREEPORT-MCMORAN INC	CL B	35671D857	431,446	11,330	SH		SOLE		0	0	11,330
FRESHPET INC	COM	358039105	251,491	1,698	SH		SOLE		0	0	1,698
GE AEROSPACE	COM NEW	369604301	1,258,431	7,545	SH		SOLE		0	0	7,545
GE VERNOVA INC	COM	36828A101	585,824	1,781	SH		SOLE		0	0	1,781
GENERAL DYNAMICS CORP	COM	369550108	1,773,815	6,732	SH		SOLE		0	0	6,732
GLOBAL X FDS	US PFD ETF	37954Y657	277,354	14,216	SH		SOLE		0	0	14,216
GOLDMAN SACHS GROUP INC	COM	38141G104	497,034	868	SH		SOLE		0	0	868
HESS CORP	COM	42809H107	312,574	2,350	SH		SOLE		0	0	2,350
HOME DEPOT INC	COM	437076102	1,696,774	4,362	SH		SOLE		0	0	4,362
HONEYWELL INTL INC	COM	438516106	1,010,858	4,475	SH		SOLE		0	0	4,475
INGERSOLL RAND INC	COM	45687V106	1,430,534	15,814	SH		SOLE		0	0	15,814
INTEL CORP	COM	458140100	306,705	15,297	SH		SOLE		0	0	15,297
INTERNATIONAL BUSINESS MACHS	COM	459200101	720,823	3,279	SH		SOLE		0	0	3,279
INTUIT	COM	461202103	709,577	1,129	SH		SOLE		0	0	1,129
INVESCO EXCH TRADED FD TR II	FNDMNTL IG CRP	46138E693	724,992	30,877	SH		SOLE		0	0	30,877
INVESCO EXCH TRADED FD TR II	FTSE RAFI DEV	46138E743	3,489,313	72,861	SH		SOLE		0	0	72,861
INVESCO EXCH TRADED FD TR II	INTL BUYBACK	46138E644	237,307	5,976	SH		SOLE		0	0	5,976
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	2,122,754	74,956	SH		SOLE		0	0	74,956
INVESCO EXCH TRADED FD TR II	S&P SMLCAP QTY	46138G300	7,519,419	177,554	SH		SOLE		0	0	177,554
INVESCO EXCH TRD SLF IDX FD	RAFI STRATGIC US	46138J742	386,333	7,778	SH		SOLE		0	0	7,778
INVESCO EXCHANGE TRADED FD T	BUYBACK ACHIEV	46137V308	1,948,896	16,928	SH		SOLE		0	0	16,928
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	18,477,271	458,038	SH		SOLE		0	0	458,038
INVESCO EXCHANGE TRADED FD T	INTL DIVI ACHI	46137V548	779,512	42,573	SH		SOLE		0	0	42,573
INVESCO EXCHANGE TRADED FD T	S&P 500 GARP ETF	46137V431	4,196,667	40,014	SH		SOLE		0	0	40,014
INVESCO EXCHANGE TRADED FD T	S&P MDCP QUALITY	46137V472	1,100,107	11,172	SH		SOLE		0	0	11,172
INVESCO EXCHANGE TRADED FD T	S&P MDCP VLU MNT	46137V456	1,048,990	18,928	SH		SOLE		0	0	18,928
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	15,728,122	89,757	SH		SOLE		0	0	89,757
INVESCO EXCHANGE TRADED FD T	S&P500 PUR VAL	46137V258	1,672,629	18,542	SH		SOLE		0	0	18,542
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	757,975	11,308	SH		SOLE		0	0	11,308
INVESCO QQQ TR	UNIT SER 1	46090E103	1,246,379	2,438	SH		SOLE		0	0	2,438
ISHARES INC	CORE MSCI EMKT	46434G103	281,779	5,396	SH		SOLE		0	0	5,396
ISHARES INC	MSCI EMRG CHN	46434G764	772,862	13,938	SH		SOLE		0	0	13,938
ISHARES INC	MSCI JPN ETF NEW	46434G822	506,605	7,550	SH		SOLE		0	0	7,550
ISHARES TR	0-5 YR TIPS ETF	46429B747	2,505,442	24,905	SH		SOLE		0	0	24,905
ISHARES TR	1 3 YR TREAS BD	464287457	394,816	4,816	SH		SOLE		0	0	4,816
ISHARES TR	CORE DIV GRWTH	46434V621	533,220	8,693	SH		SOLE		0	0	8,693
ISHARES TR	CORE DIVID ETF	46435U861	2,630,321	55,492	SH		SOLE		0	0	55,492
ISHARES TR	CORE MSCI EAFE	46432F842	877,938	12,492	SH		SOLE		0	0	12,492
ISHARES TR	CORE MSCI TOTAL	46432F834	808,374	12,222	SH		SOLE		0	0	12,222
ISHARES TR	CORE S&P MCP ETF	464287507	4,066,872	65,268	SH		SOLE		0	0	65,268
ISHARES TR	CORE S&P SCP ETF	464287804	3,001,385	26,049	SH		SOLE		0	0	26,049
ISHARES TR	CORE S&P US VLU	464287663	4,644,222	50,159	SH		SOLE		0	0	50,159
ISHARES TR	CORE S&P500 ETF	464287200	12,648,164	21,486	SH		SOLE		0	0	21,486
ISHARES TR	EAFE GRWTH ETF	464288885	3,361,996	34,721	SH		SOLE		0	0	34,721
ISHARES TR	EAFE SML CP ETF	464288273	1,840,118	30,290	SH		SOLE		0	0	30,290
ISHARES TR	EAFE VALUE ETF	464288877	1,250,570	23,834	SH		SOLE		0	0	23,834
ISHARES TR	FALN ANGLS USD	46435G474	8,536,623	319,604	SH		SOLE		0	0	319,604
ISHARES TR	FLTG RATE NT ETF	46429B655	504,424	9,914	SH		SOLE		0	0	9,914
ISHARES TR	IBOXX INV CP ETF	464287242	303,746	2,843	SH		SOLE		0	0	2,843
ISHARES TR	INTERNATIONAL SL	46434V266	507,732	15,729	SH		SOLE		0	0	15,729
ISHARES TR	INVESTMENT GRADE	46435G219	2,529,718	57,027	SH		SOLE		0	0	57,027
ISHARES TR	ISHS 5-10YR INVT	464288638	4,425,739	85,920	SH		SOLE		0	0	85,920
ISHARES TR	MBS ETF	464288588	262,354	2,862	SH		SOLE		0	0	2,862
ISHARES TR	MRGSTR SM CP GR	464288604	406,264	8,214	SH		SOLE		0	0	8,214
ISHARES TR	MSCI EAFE ETF	464287465	785,890	10,394	SH		SOLE		0	0	10,394
ISHARES TR	MSCI EAFE MIN VL	46429B689	1,345,116	19,023	SH		SOLE		0	0	19,023
ISHARES TR	MSCI INTL QUALTY	46434V456	7,738,445	208,471	SH		SOLE		0	0	208,471
ISHARES TR	MSCI INTL VLU FT	46435G409	681,681	25,145	SH		SOLE		0	0	25,145
ISHARES TR	MSCI JP VALUE	46435U374	207,824	6,644	SH		SOLE		0	0	6,644
ISHARES TR	MSCI USA QLT FCT	46432F339	4,075,539	22,886	SH		SOLE		0	0	22,886
ISHARES TR	NATIONAL MUN ETF	464288414	2,106,494	19,770	SH		SOLE		0	0	19,770
ISHARES TR	NEW YORK MUN ETF	464288323	341,034	6,408	SH		SOLE		0	0	6,408
ISHARES TR	RUS 1000 ETF	464287622	4,852,052	15,061	SH		SOLE		0	0	15,061
ISHARES TR	RUS 1000 GRW ETF	464287614	12,716,111	31,665	SH		SOLE		0	0	31,665
ISHARES TR	RUS 1000 VAL ETF	464287598	11,474,645	61,982	SH		SOLE		0	0	61,982
ISHARES TR	RUS MD CP GR ETF	464287481	275,174	2,171	SH		SOLE		0	0	2,171
ISHARES TR	RUS MDCP VAL ETF	464287473	362,411	2,802	SH		SOLE		0	0	2,802
ISHARES TR	RUS MID CAP ETF	464287499	860,397	9,733	SH		SOLE		0	0	9,733
ISHARES TR	RUSSELL 2000 ETF	464287655	1,134,409	5,134	SH		SOLE		0	0	5,134
ISHARES TR	S&P 500 GRWT ETF	464287309	2,368,062	23,324	SH		SOLE		0	0	23,324
ISHARES TR	S&P 500 VAL ETF	464287408	281,739	1,476	SH		SOLE		0	0	1,476
ISHARES TR	S&P MC 400GR ETF	464287606	825,099	9,074	SH		SOLE		0	0	9,074
ISHARES TR	S&P MC 400VL ETF	464287705	2,014,779	16,123	SH		SOLE		0	0	16,123
ISHARES TR	S&P SML 600 GWT	464287887	388,377	2,869	SH		SOLE		0	0	2,869
ISHARES TR	SELECT DIVID ETF	464287168	445,861	3,396	SH		SOLE		0	0	3,396
ISHARES TR	SP SMCP600VL ETF	464287879	484,648	4,462	SH		SOLE		0	0	4,462
ISHARES TR	US REGNL BKS ETF	464288778	281,865	5,597	SH		SOLE		0	0	5,597
ISHARES TR	USD INV GRDE ETF	464288620	872,006	17,343	SH		SOLE		0	0	17,343
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	815,082	13,138	SH		SOLE		0	0	13,138
J P MORGAN EXCHANGE TRADED F	MUNICIPAL ETF	46641Q647	1,029,279	20,524	SH		SOLE		0	0	20,524
J P MORGAN EXCHANGE TRADED F	SMALL & MID CAP	46641Q118	242,001	4,002	SH		SOLE		0	0	4,002
J P MORGAN EXCHANGE TRADED F	US QUALTY FCTR	46641Q761	16,997,620	296,798	SH		SOLE		0	0	296,798
JANUS DETROIT STR TR	HENDERSN SML ETF	47103U209	2,390,564	31,844	SH		SOLE		0	0	31,844
JANUS DETROIT STR TR	HENDERSON MTG	47103U852	1,865,766	42,231	SH		SOLE		0	0	42,231
JANUS DETROIT STR TR	HENDRSON AAA CL	47103U845	6,497,878	128,138	SH		SOLE		0	0	128,138
JOHNSON & JOHNSON	COM	478160104	979,511	6,773	SH		SOLE		0	0	6,773
JPMORGAN CHASE & CO.	COM	46625H100	2,650,491	11,057	SH		SOLE		0	0	11,057
LINDE PLC	SHS	G54950103	243,666	582	SH		SOLE		0	0	582
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	48,560	17,853	SH		SOLE		0	0	17,853
LOCKHEED MARTIN CORP	COM	539830109	664,280	1,367	SH		SOLE		0	0	1,367
LOWES COS INC	COM	548661107	1,075,061	4,356	SH		SOLE		0	0	4,356
M & T BK CORP	COM	55261F104	300,816	1,600	SH		SOLE		0	0	1,600
MARSH & MCLENNAN COS INC	COM	571748102	314,154	1,479	SH		SOLE		0	0	1,479
MARVELL TECHNOLOGY INC	COM	573874104	891,773	8,074	SH		SOLE		0	0	8,074
MASTERCARD INCORPORATED	CL A	57636Q104	565,542	1,074	SH		SOLE		0	0	1,074
MCDONALDS CORP	COM	580135101	361,493	1,247	SH		SOLE		0	0	1,247
MCKESSON CORP	COM	58155Q103	246,771	433	SH		SOLE		0	0	433
MERCK & CO INC	COM	58933Y105	1,461,361	14,690	SH		SOLE		0	0	14,690
META PLATFORMS INC	CL A	30303M102	1,853,725	3,166	SH		SOLE		0	0	3,166
MICROSOFT CORP	COM	594918104	7,881,207	18,698	SH		SOLE		0	0	18,698
MONDELEZ INTL INC	CL A	609207105	279,835	4,685	SH		SOLE		0	0	4,685
MORGAN STANLEY	COM NEW	617446448	951,700	7,570	SH		SOLE		0	0	7,570
NETFLIX INC	COM	64110L106	487,576	547	SH		SOLE		0	0	547
NEXTERA ENERGY INC	COM	65339F101	688,152	9,599	SH		SOLE		0	0	9,599
NIKE INC	CL B	654106103	267,425	3,534	SH		SOLE		0	0	3,534
NOVO-NORDISK A S	ADR	670100205	219,781	2,555	SH		SOLE		0	0	2,555
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	1,145,123	101,518	SH		SOLE		0	0	101,518
NUVEEN AMT-FREE MUN VALUE FD	COM	670695105	206,077	15,175	SH		SOLE		0	0	15,175
NUVEEN MUN VALUE FD INC	COM	670928100	1,044,450	121,589	SH		SOLE		0	0	121,589
NUVEEN N Y MUN VALUE FD	COM	67062M105	616,980	76,715	SH		SOLE		0	0	76,715
NUVEEN N Y SELECT TAX FREE I	SH BEN INT	67063V104	466,860	41,133	SH		SOLE		0	0	41,133
NUVEEN NEW JERSEY QULT MUN F	COM	67069Y102	1,698,760	139,586	SH		SOLE		0	0	139,586
NUVEEN NEW YORK AMT QLT MUNI	COM	670656107	532,864	50,943	SH		SOLE		0	0	50,943
NUVEEN QUALITY MUNCP INCOME	COM	67066V101	919,904	78,894	SH		SOLE		0	0	78,894
NUVEEN SELECT TAX-FREE INCOM	SH BEN INT	67062F100	675,129	44,563	SH		SOLE		0	0	44,563
NVIDIA CORPORATION	COM	67066G104	4,423,707	32,941	SH		SOLE		0	0	32,941
ORACLE CORP	COM	68389X105	4,863,722	29,187	SH		SOLE		0	0	29,187
PACER FDS TR	PACER US SMALL	69374H857	1,005,320	22,843	SH		SOLE		0	0	22,843
PACER FDS TR	US CASH COWS 100	69374H881	711,390	12,595	SH		SOLE		0	0	12,595
PEPSICO INC	COM	713448108	858,822	5,648	SH		SOLE		0	0	5,648
PFIZER INC	COM	717081103	1,941,492	73,181	SH		SOLE		0	0	73,181
PIMCO ETF TR	INTER MUN BD ACT	72201R866	862,701	16,677	SH		SOLE		0	0	16,677
PIMCO ETF TR	MULTISECTOR BD	72201R585	2,142,521	82,659	SH		SOLE		0	0	82,659
PNC FINL SVCS GROUP INC	COM	693475105	787,599	4,084	SH		SOLE		0	0	4,084
PROCTER AND GAMBLE CO	COM	742718109	1,015,791	6,059	SH		SOLE		0	0	6,059
PROSHARES TR	S&P 500 DV ARIST	74348A467	2,150,573	21,603	SH		SOLE		0	0	21,603
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	485,986	5,752	SH		SOLE		0	0	5,752
QUALCOMM INC	COM	747525103	667,325	4,344	SH		SOLE		0	0	4,344
RIO TINTO PLC	SPONSORED ADR	767204100	329,395	5,601	SH		SOLE		0	0	5,601
RTX CORPORATION	COM	75513E101	330,612	2,857	SH		SOLE		0	0	2,857
SAFEHOLD INC	COM	78646V107	230,581	12,477	SH		SOLE		0	0	12,477
SALESFORCE INC	COM	79466L302	284,849	852	SH		SOLE		0	0	852
SCHWAB STRATEGIC TR	FUNDAMENTAL EMER	808524730	268,451	9,241	SH		SOLE		0	0	9,241
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524748	4,311,677	126,294	SH		SOLE		0	0	126,294
SCHWAB STRATEGIC TR	FUNDAMENTAL US L	808524771	506,681	21,397	SH		SOLE		0	0	21,397
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	693,955	25,401	SH		SOLE		0	0	25,401
SEALED AIR CORP NEW	COM	81211K100	766,588	22,660	SH		SOLE		0	0	22,660
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,145,336	23,698	SH		SOLE		0	0	23,698
SELECT SECTOR SPDR TR	INDL	81369Y704	421,105	3,196	SH		SOLE		0	0	3,196
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	313,497	3,988	SH		SOLE		0	0	3,988
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	351,629	2,556	SH		SOLE		0	0	2,556
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	792,428	3,408	SH		SOLE		0	0	3,408
SHELL PLC	SPON ADS	780259305	236,128	3,769	SH		SOLE		0	0	3,769
SHOPIFY INC	CL A	82509L107	615,651	5,790	SH		SOLE		0	0	5,790
SIMON PPTY GROUP INC NEW	COM	828806109	246,260	1,430	SH		SOLE		0	0	1,430
SNOWFLAKE INC	CL A	833445109	453,657	2,938	SH		SOLE		0	0	2,938
SOUTHERN CO	COM	842587107	613,972	7,458	SH		SOLE		0	0	7,458
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,304,769	5,639	SH		SOLE		0	0	5,639
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	4,087,876	7,177	SH		SOLE		0	0	7,177
SPDR SER TR	BBG CONV SEC ETF	78464A359	251,585	3,230	SH		SOLE		0	0	3,230
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	1,429,820	55,896	SH		SOLE		0	0	55,896
SPDR SER TR	PORTFOLIO CRPORT	78464A144	3,464,810	120,978	SH		SOLE		0	0	120,978
SPDR SER TR	PORTFOLIO INTRMD	78464A375	1,967,238	60,050	SH		SOLE		0	0	60,050
SPDR SER TR	PORTFOLIO S&P400	78464A847	324,476	5,933	SH		SOLE		0	0	5,933
SPDR SER TR	PORTFOLIO S&P600	78468R853	3,166,860	70,500	SH		SOLE		0	0	70,500
SPDR SER TR	PRTFLO S&P500 GW	78464A409	7,759,060	88,271	SH		SOLE		0	0	88,271
SPDR SER TR	PRTFLO S&P500 VL	78464A508	2,761,713	54,003	SH		SOLE		0	0	54,003
SPDR SER TR	S&P BIOTECH	78464A870	474,256	5,266	SH		SOLE		0	0	5,266
STRYKER CORPORATION	COM	863667101	581,481	1,615	SH		SOLE		0	0	1,615
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	438,428	2,220	SH		SOLE		0	0	2,220
TEMPLETON EMERGING MKTS INCO	COM	880192109	81,567	15,900	SH		SOLE		0	0	15,900
TESLA INC	COM	88160R101	992,235	2,457	SH		SOLE		0	0	2,457
THE CIGNA GROUP	COM	125523100	312,867	1,133	SH		SOLE		0	0	1,133
THERMO FISHER SCIENTIFIC INC	COM	883556102	339,710	653	SH		SOLE		0	0	653
TJX COS INC NEW	COM	872540109	929,754	7,696	SH		SOLE		0	0	7,696
T-MOBILE US INC	COM	872590104	214,991	974	SH		SOLE		0	0	974
TRANE TECHNOLOGIES PLC	SHS	G8994E103	4,580,309	12,401	SH		SOLE		0	0	12,401
TRAVELERS COMPANIES INC	COM	89417E109	243,540	1,011	SH		SOLE		0	0	1,011
UNILEVER PLC	SPON ADR NEW	904767704	381,137	6,722	SH		SOLE		0	0	6,722
UNION PAC CORP	COM	907818108	202,500	888	SH		SOLE		0	0	888
UNITED PARCEL SERVICE INC	CL B	911312106	300,118	2,380	SH		SOLE		0	0	2,380
UNITEDHEALTH GROUP INC	COM	91324P102	1,239,357	2,450	SH		SOLE		0	0	2,450
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	1,100,785	38,395	SH		SOLE		0	0	38,395
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	227,541	4,383	SH		SOLE		0	0	4,383
VANECK ETF TRUST	SHRT HGH YLD MUN	92189F387	1,717,607	76,406	SH		SOLE		0	0	76,406
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,476,485	13,924	SH		SOLE		0	0	13,924
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,924,386	25,751	SH		SOLE		0	0	25,751
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	212,208	1,117	SH		SOLE		0	0	1,117
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,294,528	3,154	SH		SOLE		0	0	3,154
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	729,824	2,706	SH		SOLE		0	0	2,706
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	335,835	2,076	SH		SOLE		0	0	2,076
VANGUARD INDEX FDS	MID CAP ETF	922908629	777,373	2,943	SH		SOLE		0	0	2,943
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	7,082,988	13,146	SH		SOLE		0	0	13,146
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,565,424	7,899	SH		SOLE		0	0	7,899
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	1,353,123	4,669	SH		SOLE		0	0	4,669
VANGUARD INDEX FDS	VALUE ETF	922908744	13,011,287	76,853	SH		SOLE		0	0	76,853
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	643,132	5,618	SH		SOLE		0	0	5,618
VANGUARD MALVERN FDS	CORE-PLUS BD ETF	922020755	632,997	8,330	SH		SOLE		0	0	8,330
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	4,180,097	86,330	SH		SOLE		0	0	86,330
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,315,104	46,182	SH		SOLE		0	0	46,182
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,548,656	44,209	SH		SOLE		0	0	44,209
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	507,116	2,590	SH		SOLE		0	0	2,590
VANGUARD STAR FDS	VG TL INTL STK F	921909768	330,597	5,610	SH		SOLE		0	0	5,610
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,194,591	24,981	SH		SOLE		0	0	24,981
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	2,342,272	29,282	SH		SOLE		0	0	29,282
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	318,789	2,700	SH		SOLE		0	0	2,700
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	9,484,291	75,929	SH		SOLE		0	0	75,929
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	3,016,537	8,784	SH		SOLE		0	0	8,784
VAXART INC	COM NEW	92243A200	15,890	24,000	SH		SOLE		0	0	24,000
VERIZON COMMUNICATIONS INC	COM	92343V104	346,673	8,669	SH		SOLE		0	0	8,669
VERTEX PHARMACEUTICALS INC	COM	92532F100	708,349	1,759	SH		SOLE		0	0	1,759
VISA INC	COM CL A	92826C839	1,055,258	3,339	SH		SOLE		0	0	3,339
WALMART INC	COM	931142103	1,355,967	15,008	SH		SOLE		0	0	15,008
WASTE MGMT INC DEL	COM	94106L109	212,081	1,051	SH		SOLE		0	0	1,051
WATSCO INC	COM	942622200	232,680	491	SH		SOLE		0	0	491
WELLS FARGO CO NEW	COM	949746101	1,207,215	17,187	SH		SOLE		0	0	17,187
WISDOMTREE TR	GLB US QTLY DIV	97717W844	3,041,396	84,530	SH		SOLE		0	0	84,530
WISDOMTREE TR	ITL HIGH DIV FD	97717W802	1,354,677	35,857	SH		SOLE		0	0	35,857
WISDOMTREE TR	US MIDCAP FUND	97717W570	5,070,404	81,113	SH		SOLE		0	0	81,113