# EDGAR Filing Document

**Accession Number:** 0001964309
**File Stem:** 0001085146-23-000585
**Filing Date:** 2023-2
**Character Count:** 22250
**Document Hash:** 1890f864e1c5fcd94719edbb70e71baf
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000585.hdr.sgml**: 20230202

**ACCESSION NUMBER**: 0001085146-23-000585

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230202

**DATE AS OF CHANGE**: 20230202

**EFFECTIVENESS DATE**: 20230202

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Breakwater Capital Group
- **CENTRAL INDEX KEY:** 0001964309
- **IRS NUMBER:** 882437709
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22792
- **FILM NUMBER:** 23579153

**BUSINESS ADDRESS:**
- **STREET 1:** 140 E RIDGEWOOD AVE
- **STREET 2:** SUITE 415
- **CITY:** PARAMUS
- **STATE:** NJ
- **ZIP:** 07652
- **BUSINESS PHONE:** 15513423733

**MAIL ADDRESS:**
- **STREET 1:** 140 E RIDGEWOOD AVE
- **STREET 2:** SUITE 415
- **CITY:** PARAMUS
- **STATE:** NJ
- **ZIP:** 07652

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Breakwater Capital Group<br>**Address:** 140 E RIDGEWOOD AVE<br>SUITE 415<br>PARAMUS, NJ 07652

**Form 13F File Number:** 028-22792

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Jeffrey Hanson<br>**Title:** Managing Member<br>**Phone:** 551-342-3733

**Signature, Place, and Date of Signing:**

/s/Jeffrey Hanson  Paramus, NJ  02-01-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 168

**Form 13F Information Table Value Total:** $191116692

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 | BBG001S5T7X2 | 223411 | 1863 | SH |  | SOLE |  | 0 | 0 | 1863 |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 257677 | 2347 | SH |  | SOLE |  | 0 | 0 | 2347 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 422449 | 2614 | SH |  | SOLE |  | 0 | 0 | 2614 |
| ALLEGION PLC | ORD SHS | G0176J109 | BBG003PS7JW0 | 295886 | 2811 | SH |  | SOLE |  | 0 | 0 | 2811 |
| ALPHABET INC | CAP STK CL A | 02079K305 | BBG009S39JY5 | 369419 | 4187 | SH |  | SOLE |  | 0 | 0 | 4187 |
| ALPHABET INC | CAP STK CL C | 02079K107 | BBG009S3NB21 | 837345 | 9437 | SH |  | SOLE |  | 0 | 0 | 9437 |
| ALTRIA GROUP INC | COM | 02209S103 | BBG001S5T8T5 | 232207 | 5080 | SH |  | SOLE |  | 0 | 0 | 5080 |
| AMAZON COM INC | COM | 023135106 | BBG001S5PQL7 | 1823052 | 21703 | SH |  | SOLE |  | 0 | 0 | 21703 |
| AMERICAN EXPRESS CO | COM | 025816109 | BBG001S5P034 | 501020 | 3391 | SH |  | SOLE |  | 0 | 0 | 3391 |
| APPLE INC | COM | 037833100 | BBG001S5N8V8 | 9179181 | 70647 | SH |  | SOLE |  | 0 | 0 | 70647 |
| BANK AMERICA CORP | COM | 060505104 | BBG001S5P0Y0 | 730130 | 22045 | SH |  | SOLE |  | 0 | 0 | 22045 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | BBG001S90346 | 1508977 | 4885 | SH |  | SOLE |  | 0 | 0 | 4885 |
| BHP GROUP LTD | SPONSORED ADS | 088606108 | BBG001S5P5K4 | 288160 | 4644 | SH |  | SOLE |  | 0 | 0 | 4644 |
| BLACKROCK CORE BD TR | SHS BEN INT | 09249E101 | BBG001SFNB21 | 120699 | 11628 | SH |  | SOLE |  | 0 | 0 | 11628 |
| BLACKROCK MUN TARGET TERM TR | COM SHS BEN IN | 09257P105 | BBG003BPM0W5 | 769101 | 36125 | SH |  | SOLE |  | 0 | 0 | 36125 |
| BOEING CO | COM | 097023105 | BBG001S5P0V3 | 368979 | 1937 | SH |  | SOLE |  | 0 | 0 | 1937 |
| BOSTON SCIENTIFIC CORP | COM | 101137107 | BBG001S63L94 | 200488 | 4333 | SH |  | SOLE |  | 0 | 0 | 4333 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 | BBG001S8N8J6 | 812891 | 11298 | SH |  | SOLE |  | 0 | 0 | 11298 |
| CAMBRIA ETF TR | SHSHLD YIELD ETF | 132061201 | BBG004K1ZMP2 | 2617172 | 44127 | SH |  | SOLE |  | 0 | 0 | 44127 |
| CAPITAL GROUP FIXED INCOME E | CORE PLUS INCM | 14020Y102 | BBG014YZRRT5 | 3122743 | 140159 | SH |  | SOLE |  | 0 | 0 | 140159 |
| CATERPILLAR INC | COM | 149123101 | BBG001S5PJ06 | 279087 | 1165 | SH |  | SOLE |  | 0 | 0 | 1165 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 247337 | 1378 | SH |  | SOLE |  | 0 | 0 | 1378 |
| CIGNA CORP NEW | COM | 125523100 | BBG00KXRCDQ9 | 316761 | 956 | SH |  | SOLE |  | 0 | 0 | 956 |
| CISCO SYS INC | COM | 17275R102 | BBG001S6HC62 | 450341 | 9453 | SH |  | SOLE |  | 0 | 0 | 9453 |
| CITIGROUP INC | COM NEW | 172967424 | BBG001S72ZG4 | 270068 | 5971 | SH |  | SOLE |  | 0 | 0 | 5971 |
| COCA COLA CO | COM | 191216100 | BBG001S5SMQ8 | 425551 | 6690 | SH |  | SOLE |  | 0 | 0 | 6690 |
| COLUMBIA ETF TR II | EM CORE EX ETF | 19762B202 | BBG009XW7GY3 | 2211020 | 86537 | SH |  | SOLE |  | 0 | 0 | 86537 |
| COLUMBIA ETF TR II | EMRG MARKETS ETF | 19762B509 | BBG001TCB9Y0 | 335996 | 17047 | SH |  | SOLE |  | 0 | 0 | 17047 |
| COMCAST CORP NEW | CL A | 20030N101 | BBG001S5PXL2 | 518640 | 14831 | SH |  | SOLE |  | 0 | 0 | 14831 |
| CONOCOPHILLIPS | COM | 20825C104 | BBG001S5TZM2 | 239068 | 2026 | SH |  | SOLE |  | 0 | 0 | 2026 |
| CONSOLIDATED EDISON INC | COM | 209115104 | BBG001S5QRL4 | 540420 | 5670 | SH |  | SOLE |  | 0 | 0 | 5670 |
| CUMMINS INC | COM | 231021106 | BBG001S5Q9M3 | 255374 | 1054 | SH |  | SOLE |  | 0 | 0 | 1054 |
| CVS HEALTH CORP | COM | 126650100 | BBG001S5QBD8 | 559047 | 5999 | SH |  | SOLE |  | 0 | 0 | 5999 |
| DANAHER CORPORATION | COM | 235851102 | BBG001S5QGT0 | 403969 | 1522 | SH |  | SOLE |  | 0 | 0 | 1522 |
| DEERE  CO | COM | 244199105 | BBG001S5QFF7 | 826221 | 1927 | SH |  | SOLE |  | 0 | 0 | 1927 |
| DIAGEO PLC | SPON ADR NEW | 25243Q205 | BBG001S7V596 | 346580 | 1945 | SH |  | SOLE |  | 0 | 0 | 1945 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 691889 | 16664 | SH |  | SOLE |  | 0 | 0 | 16664 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | BBG017158GJ6 | 332864 | 14722 | SH |  | SOLE |  | 0 | 0 | 14722 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 1245465 | 56741 | SH |  | SOLE |  | 0 | 0 | 56741 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | BBG012G21Y06 | 923248 | 30370 | SH |  | SOLE |  | 0 | 0 | 30370 |
| DISNEY WALT CO | COM | 254687106 | BBG001S5QHF3 | 550472 | 6336 | SH |  | SOLE |  | 0 | 0 | 6336 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 | BBG001S5QNR7 | 209997 | 2039 | SH |  | SOLE |  | 0 | 0 | 2039 |
| EATON CORP PLC | SHS | G29183103 | BBG001S5QZ45 | 261636 | 1667 | SH |  | SOLE |  | 0 | 0 | 1667 |
| EOG RES INC | COM | 26875P101 | BBG001S5ZB93 | 218112 | 1684 | SH |  | SOLE |  | 0 | 0 | 1684 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 1464233 | 13275 | SH |  | SOLE |  | 0 | 0 | 13275 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | BBG0078X1341 | 1119152 | 24859 | SH |  | SOLE |  | 0 | 0 | 24859 |
| FIRSTENERGY CORP | COM | 337932107 | BBG001S5R3N4 | 372721 | 8887 | SH |  | SOLE |  | 0 | 0 | 8887 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 | BBG001S5R3F3 | 210938 | 5551 | SH |  | SOLE |  | 0 | 0 | 5551 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 | BBG001S5PVD5 | 344461 | 4111 | SH |  | SOLE |  | 0 | 0 | 4111 |
| HENRY SCHEIN INC | COM | 806407102 | BBG001S6S7F1 | 251431 | 3148 | SH |  | SOLE |  | 0 | 0 | 3148 |
| HOME DEPOT INC | COM | 437076102 | BBG001S5RTW7 | 1205953 | 3818 | SH |  | SOLE |  | 0 | 0 | 3818 |
| HONEYWELL INTL INC | COM | 438516106 | BBG001S5X1N1 | 689189 | 3216 | SH |  | SOLE |  | 0 | 0 | 3216 |
| INGERSOLL RAND INC | COM | 45687V106 | BBG002R1CW36 | 718333 | 13748 | SH |  | SOLE |  | 0 | 0 | 13748 |
| INTEL CORP | COM | 458140100 | BBG001S5SF65 | 296307 | 11211 | SH |  | SOLE |  | 0 | 0 | 11211 |
| INVESCO EXCH TRADED FD TR II | FTSE RAFI DEV | 46138E743 | BBG001SS8729 | 1252099 | 30142 | SH |  | SOLE |  | 0 | 0 | 30142 |
| INVESCO EXCH TRADED FD TR II | S INTL QULTY | 46138E214 | BBG001SS78M6 | 281014 | 11361 | SH |  | SOLE |  | 0 | 0 | 11361 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 | BBG001V18CG8 | 310937 | 4866 | SH |  | SOLE |  | 0 | 0 | 4866 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 | BBG001S6H5N8 | 6101894 | 39329 | SH |  | SOLE |  | 0 | 0 | 39329 |
| INVESCO EXCHANGE TRADED FD T | INTL DIVI ACHI | 46137V548 | BBG001SLKDX3 | 1153412 | 68984 | SH |  | SOLE |  | 0 | 0 | 68984 |
| INVESCO EXCHANGE TRADED FD T | S 500 GARP ETF | 46137V431 | BBG001V28DF5 | 676494 | 8190 | SH |  | SOLE |  | 0 | 0 | 8190 |
| INVESCO EXCHANGE TRADED FD T | S SML 600 EQ | 46137V183 | BBG00KJR2ZT4 | 878909 | 12701 | SH |  | SOLE |  | 0 | 0 | 12701 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 | BBG00KJR2NN7 | 8297166 | 58741 | SH |  | SOLE |  | 0 | 0 | 58741 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 539217 | 2025 | SH |  | SOLE |  | 0 | 0 | 2025 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 | BBG003HC3DG9 | 263855 | 5650 | SH |  | SOLE |  | 0 | 0 | 5650 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 | BBG00H5VLN77 | 241290 | 5083 | SH |  | SOLE |  | 0 | 0 | 5083 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 | BBG001TG5H89 | 2957959 | 30507 | SH |  | SOLE |  | 0 | 0 | 30507 |
| ISHARES TR | 0-5YR INVT GR CP | 46434V100 | BBG005DW0468 | 3963239 | 82809 | SH |  | SOLE |  | 0 | 0 | 82809 |
| ISHARES TR | CORE DIVID ETF | 46435U861 | BBG00J5M0G99 | 1920024 | 51187 | SH |  | SOLE |  | 0 | 0 | 51187 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 | BBG003H6TRS0 | 376744 | 6112 | SH |  | SOLE |  | 0 | 0 | 6112 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 | BBG003H6TMV7 | 302770 | 5231 | SH |  | SOLE |  | 0 | 0 | 5231 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 2900019 | 11989 | SH |  | SOLE |  | 0 | 0 | 11989 |
| ISHARES TR | CORE S SCP ETF | 464287804 | BBG001SFC7W9 | 2224797 | 23508 | SH |  | SOLE |  | 0 | 0 | 23508 |
| ISHARES TR | CORE S US VLU | 464287663 | BBG001SFQL80 | 1213494 | 17181 | SH |  | SOLE |  | 0 | 0 | 17181 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 4398541 | 11448 | SH |  | SOLE |  | 0 | 0 | 11448 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 | BBG001SP62C7 | 1271477 | 15180 | SH |  | SOLE |  | 0 | 0 | 15180 |
| ISHARES TR | EAFE SML CP ETF | 464288273 | BBG001SYVWS7 | 965243 | 17090 | SH |  | SOLE |  | 0 | 0 | 17090 |
| ISHARES TR | EAFE VALUE ETF | 464288877 | BBG001SNYBH6 | 429896 | 9370 | SH |  | SOLE |  | 0 | 0 | 9370 |
| ISHARES TR | FALN ANGLS USD | 46435G474 | BBG00D332C84 | 1867284 | 75875 | SH |  | SOLE |  | 0 | 0 | 75875 |
| ISHARES TR | IBOXX HI YD ETF | 464288513 | BBG001ST0ZQ7 | 607816 | 8255 | SH |  | SOLE |  | 0 | 0 | 8255 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 | BBG001S60QR6 | 733371 | 6956 | SH |  | SOLE |  | 0 | 0 | 6956 |
| ISHARES TR | MRGSTR SM CP GR | 464288604 | BBG001SBRKD4 | 883521 | 24515 | SH |  | SOLE |  | 0 | 0 | 24515 |
| ISHARES TR | MSCI EAFE ETF | 464287465 | BBG001SG09V7 | 298334 | 4545 | SH |  | SOLE |  | 0 | 0 | 4545 |
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | BBG0025X2WP7 | 1122593 | 17655 | SH |  | SOLE |  | 0 | 0 | 17655 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 | BBG008LP7B65 | 437370 | 14579 | SH |  | SOLE |  | 0 | 0 | 14579 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 | BBG004TRTWW3 | 2209456 | 19388 | SH |  | SOLE |  | 0 | 0 | 19388 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 | BBG001SZV978 | 3245162 | 30754 | SH |  | SOLE |  | 0 | 0 | 30754 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 | BBG001T03XV5 | 430833 | 8222 | SH |  | SOLE |  | 0 | 0 | 8222 |
| ISHARES TR | RUS 1000 ETF | 464287622 | BBG001S562W9 | 1567321 | 7445 | SH |  | SOLE |  | 0 | 0 | 7445 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | BBG001S56320 | 2404630 | 11224 | SH |  | SOLE |  | 0 | 0 | 11224 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 | BBG001S562P7 | 8875040 | 58523 | SH |  | SOLE |  | 0 | 0 | 58523 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 | BBG001SFC7Y7 | 229806 | 1318 | SH |  | SOLE |  | 0 | 0 | 1318 |
| ISHARES TR | S 500 GRWT ETF | 464287309 | BBG001S561Q8 | 743281 | 12706 | SH |  | SOLE |  | 0 | 0 | 12706 |
| ISHARES TR | S MC 400VL ETF | 464287705 | BBG001SFQJM9 | 819403 | 8129 | SH |  | SOLE |  | 0 | 0 | 8129 |
| ISHARES TR | SELECT DIVID ETF | 464287168 | BBG001SDJVG2 | 1145700 | 9500 | SH |  | SOLE |  | 0 | 0 | 9500 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 315172 | 3452 | SH |  | SOLE |  | 0 | 0 | 3452 |
| ISHARES TR | US TREAS BD ETF | 46429B267 | BBG002NCKPP8 | 207275 | 9123 | SH |  | SOLE |  | 0 | 0 | 9123 |
| J P MORGAN EXCHANGE TRADED F | US QUALTY FCTR | 46641Q761 | BBG00J5DPW97 | 3453206 | 89115 | SH |  | SOLE |  | 0 | 0 | 89115 |
| JANUS DETROIT STR TR | HENDERSN SML ETF | 47103U209 | BBG00C9Y3BD7 | 478603 | 9188 | SH |  | SOLE |  | 0 | 0 | 9188 |
| JOHNSON  JOHNSON | COM | 478160104 | BBG001S5SHQ9 | 809764 | 4584 | SH |  | SOLE |  | 0 | 0 | 4584 |
| JPMORGAN CHASE  CO | COM | 46625H100 | BBG001S8CRC3 | 705768 | 5263 | SH |  | SOLE |  | 0 | 0 | 5263 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 891918 | 2438 | SH |  | SOLE |  | 0 | 0 | 2438 |
| LLOYDS BANKING GROUP PLC | SPONSORED ADR | 539439109 | BBG001SDX252 | 52032 | 23651 | SH |  | SOLE |  | 0 | 0 | 23651 |
| LOCKHEED MARTIN CORP | COM | 539830109 | BBG001S7PS57 | 596923 | 1227 | SH |  | SOLE |  | 0 | 0 | 1227 |
| LOWES COS INC | COM | 548661107 | BBG001S5SVL3 | 665462 | 3340 | SH |  | SOLE |  | 0 | 0 | 3340 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 1479074 | 13331 | SH |  | SOLE |  | 0 | 0 | 13331 |
| MICROSOFT CORP | COM | 594918104 | BBG001S5TD05 | 2874003 | 11984 | SH |  | SOLE |  | 0 | 0 | 11984 |
| MORGAN STANLEY | COM NEW | 617446448 | BBG001S9V5Z3 | 342631 | 4030 | SH |  | SOLE |  | 0 | 0 | 4030 |
| NIKE INC | CL B | 654106103 | BBG001S6NTK2 | 338159 | 2890 | SH |  | SOLE |  | 0 | 0 | 2890 |
| NORFOLK SOUTHN CORP | COM | 655844108 | BBG001S5TQJ6 | 503682 | 2044 | SH |  | SOLE |  | 0 | 0 | 2044 |
| NUVEEN N Y SELECT TAX FREE I | SH BEN INT | 67063V104 | BBG001S72H47 | 301954 | 26053 | SH |  | SOLE |  | 0 | 0 | 26053 |
| NUVEEN NEW JERSEY QULT MUN F | COM | 67069Y102 | BBG001SHM0F8 | 223898 | 19814 | SH |  | SOLE |  | 0 | 0 | 19814 |
| NVIDIA CORPORATION | COM | 67066G104 | BBG001S5TZJ6 | 228271 | 1562 | SH |  | SOLE |  | 0 | 0 | 1562 |
| ORACLE CORP | COM | 68389X105 | BBG001S5SJG6 | 1108067 | 13556 | SH |  | SOLE |  | 0 | 0 | 13556 |
| PEPSICO INC | COM | 713448108 | BBG001S695T1 | 604850 | 3348 | SH |  | SOLE |  | 0 | 0 | 3348 |
| PFIZER INC | COM | 717081103 | BBG001S5V466 | 1208137 | 23578 | SH |  | SOLE |  | 0 | 0 | 23578 |
| PIMCO ETF TR | ACTIVE BD ETF | 72201R775 | BBG002N12C17 | 1569647 | 17348 | SH |  | SOLE |  | 0 | 0 | 17348 |
| PNC FINL SVCS GROUP INC | COM | 693475105 | BBG001S5V947 | 330726 | 2094 | SH |  | SOLE |  | 0 | 0 | 2094 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 489993 | 3233 | SH |  | SOLE |  | 0 | 0 | 3233 |
| PROSHARES TR | S 500 DV ARIST | 74348A467 | BBG005D266P2 | 2639317 | 29329 | SH |  | SOLE |  | 0 | 0 | 29329 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 | BBG001S5V3C1 | 306595 | 5004 | SH |  | SOLE |  | 0 | 0 | 5004 |
| QUALCOMM INC | COM | 747525103 | BBG001S6VS70 | 500777 | 4555 | SH |  | SOLE |  | 0 | 0 | 4555 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 | BBG001S5X5Q9 | 404084 | 4004 | SH |  | SOLE |  | 0 | 0 | 4004 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | BBG0051QD594 | 989191 | 31644 | SH |  | SOLE |  | 0 | 0 | 31644 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 | BBG001S7T223 | 325939 | 9530 | SH |  | SOLE |  | 0 | 0 | 9530 |
| SELECT SECTOR SPDR TR | SBI INT-INDS | 81369Y704 | BBG001S7T232 | 225097 | 2292 | SH |  | SOLE |  | 0 | 0 | 2292 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 | BBG001S7TCZ5 | 328522 | 2640 | SH |  | SOLE |  | 0 | 0 | 2640 |
| SOUTHERN CO | COM | 842587107 | BBG001S5W777 | 344632 | 4826 | SH |  | SOLE |  | 0 | 0 | 4826 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 | BBG001S72SM3 | 1134670 | 2967 | SH |  | SOLE |  | 0 | 0 | 2967 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 | BBG001S63NQ1 | 1624597 | 3669 | SH |  | SOLE |  | 0 | 0 | 3669 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 | BBG001T083N5 | 1371017 | 29183 | SH |  | SOLE |  | 0 | 0 | 29183 |
| SPDR SER TR | PORTFOLIO S | 78468R853 | BBG004T58LZ5 | 821252 | 22214 | SH |  | SOLE |  | 0 | 0 | 22214 |
| SPDR SER TR | PORTFOLIO SHORT | 78464A474 | BBG001T6B0P2 | 3057195 | 104057 | SH |  | SOLE |  | 0 | 0 | 104057 |
| SPDR SER TR | PRTFLO S GW | 78464A409 | BBG001SD7RB9 | 4100513 | 80926 | SH |  | SOLE |  | 0 | 0 | 80926 |
| SPDR SER TR | PRTFLO S VL | 78464A508 | BBG001SG4284 | 4143107 | 106534 | SH |  | SOLE |  | 0 | 0 | 106534 |
| STRYKER CORPORATION | COM | 863667101 | BBG001S8FR03 | 505116 | 2066 | SH |  | SOLE |  | 0 | 0 | 2066 |
| SYSCO CORP | COM | 871829107 | BBG001S5WJS8 | 303965 | 3976 | SH |  | SOLE |  | 0 | 0 | 3976 |
| TJX COS INC NEW | COM | 872540109 | BBG001S5WQ93 | 226940 | 2851 | SH |  | SOLE |  | 0 | 0 | 2851 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 | BBG001S5SBV6 | 2327878 | 13849 | SH |  | SOLE |  | 0 | 0 | 13849 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 | BBG001SDGSH1 | 544293 | 3131 | SH |  | SOLE |  | 0 | 0 | 3131 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 | BBG001S6WCJ1 | 640988 | 1209 | SH |  | SOLE |  | 0 | 0 | 1209 |
| VALLEY NATL BANCORP | COM | 919794107 | BBG001S7H654 | 132949 | 11755 | SH |  | SOLE |  | 0 | 0 | 11755 |
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 | BBG001SZDBR1 | 452979 | 8961 | SH |  | SOLE |  | 0 | 0 | 8961 |
| VANECK ETF TRUST | IG FLOATING RATE | 92189F486 | BBG001V14Q53 | 282264 | 11345 | SH |  | SOLE |  | 0 | 0 | 11345 |
| VANECK ETF TRUST | SHRT HGH YLD MUN | 92189F387 | BBG005T08310 | 1868921 | 83921 | SH |  | SOLE |  | 0 | 0 | 83921 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 | BBG001TC6MR5 | 479029 | 2764 | SH |  | SOLE |  | 0 | 0 | 2764 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | BBG001SHTTS4 | 293026 | 1375 | SH |  | SOLE |  | 0 | 0 | 1375 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 | BBG001SHTTQ6 | 267920 | 1538 | SH |  | SOLE |  | 0 | 0 | 1538 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 | BBG001SHVTS1 | 417199 | 2047 | SH |  | SOLE |  | 0 | 0 | 2047 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 | BBG001SMD2X3 | 328435 | 3982 | SH |  | SOLE |  | 0 | 0 | 3982 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 | BBG001TC6MC1 | 4408966 | 12549 | SH |  | SOLE |  | 0 | 0 | 12549 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 1849702 | 11648 | SH |  | SOLE |  | 0 | 0 | 11648 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 | BBG001SHTB03 | 613146 | 3207 | SH |  | SOLE |  | 0 | 0 | 3207 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 3622248 | 25805 | SH |  | SOLE |  | 0 | 0 | 25805 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | BBG009THVRX1 | 1786836 | 36105 | SH |  | SOLE |  | 0 | 0 | 36105 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 | BBG001T62M38 | 2228257 | 28748 | SH |  | SOLE |  | 0 | 0 | 28748 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 | BBG001T62KZ7 | 1501093 | 19964 | SH |  | SOLE |  | 0 | 0 | 19964 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 | BBG001SQX4T3 | 330968 | 2180 | SH |  | SOLE |  | 0 | 0 | 2180 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 870919 | 20751 | SH |  | SOLE |  | 0 | 0 | 20751 |
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 | BBG00C863MQ1 | 1595571 | 22915 | SH |  | SOLE |  | 0 | 0 | 22915 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 | BBG001T0Y6W9 | 1816027 | 10554 | SH |  | SOLE |  | 0 | 0 | 10554 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | BBG001S67QY1 | 210869 | 5352 | SH |  | SOLE |  | 0 | 0 | 5352 |
| VISA INC | COM CL A | 92826C839 | BBG001SRCFY3 | 399938 | 1925 | SH |  | SOLE |  | 0 | 0 | 1925 |
| WALMART INC | COM | 931142103 | BBG001S5XH92 | 258483 | 1823 | SH |  | SOLE |  | 0 | 0 | 1823 |
| WELLS FARGO CO NEW | COM | 949746101 | BBG001S5XF23 | 454479 | 11007 | SH |  | SOLE |  | 0 | 0 | 11007 |
| WISDOMTREE TR | GLB US QTLY DIV | 97717W844 | BBG001SHL791 | 552175 | 17135 | SH |  | SOLE |  | 0 | 0 | 17135 |
| WISDOMTREE TR | ITL HIGH DIV FD | 97717W802 | BBG001SHLHN3 | 1404956 | 39168 | SH |  | SOLE |  | 0 | 0 | 39168 |
| WISDOMTREE TR | US MIDCAP DIVID | 97717W505 | BBG001SHKG74 | 213105 | 5180 | SH |  | SOLE |  | 0 | 0 | 5180 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 | BBG001SSZB66 | 1277053 | 26266 | SH |  | SOLE |  | 0 | 0 | 26266 |

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