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
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109 383 2,500 SH   SOLE   0 0 2,500
ALPHABET INC CAP STK CL A 02079K305 416 191 SH   SOLE   0 0 191
ALPHABET INC CAP STK CL C 02079K107 343 157 SH   SOLE   0 0 157
AMAZON COM INC COM 023135106 508 4,780 SH   SOLE   0 0 4,780
APPLE INC COM 037833100 2,050 14,991 SH   SOLE   0 0 14,991
AUTOMATIC DATA PROCESSING IN COM 053015103 225 1,070 SH   SOLE   0 0 1,070
BECTON DICKINSON & CO COM 075887109 355 1,438 SH   SOLE   0 0 1,438
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 791 2,896 SH   SOLE   0 0 2,896
CHEVRON CORP NEW COM 166764100 278 1,918 SH   SOLE   0 0 1,918
COSTCO WHSL CORP NEW COM 22160K105 382 796 SH   SOLE   0 0 796
CUMBERLAND PHARMACEUTICALS I COM 230770109 46 22,031 SH   SOLE   0 0 22,031
DEERE & CO COM 244199105 543 1,814 SH   SOLE   0 0 1,814
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 265 6,015 SH   SOLE   0 0 6,015
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 470 16,284 SH   SOLE   0 0 16,284
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 539 25,607 SH   SOLE   0 0 25,607
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 279 12,346 SH   SOLE   0 0 12,346
EXXON MOBIL CORP COM 30231G102 1,031 12,038 SH   SOLE   0 0 12,038
GENERAL DYNAMICS CORP COM 369550108 253 1,143 SH   SOLE   0 0 1,143
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 272 11,706 SH   SOLE   0 0 11,706
HOME DEPOT INC COM 437076102 350 1,275 SH   SOLE   0 0 1,275
INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 305 14,337 SH   SOLE   0 0 14,337
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 528 17,585 SH   SOLE   0 0 17,585
INTERNATIONAL BUSINESS MACHS COM 459200101 320 2,269 SH   SOLE   0 0 2,269
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,267 8,548 SH   SOLE   0 0 8,548
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 854 5,571 SH   SOLE   0 0 5,571
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 453 3,373 SH   SOLE   0 0 3,373
INVESCO QQQ TR UNIT SER 1 46090E103 1,193 4,256 SH   SOLE   0 0 4,256
ISHARES GOLD TR ISHARES NEW 464285204 9,353 272,616 SH   SOLE   0 0 272,616
ISHARES TR CORE S&P MCP ETF 464287507 4,760 21,041 SH   SOLE   0 0 21,041
ISHARES TR CORE S&P SCP ETF 464287804 1,660 17,966 SH   SOLE   0 0 17,966
ISHARES TR CORE S&P500 ETF 464287200 4,573 12,061 SH   SOLE   0 0 12,061
ISHARES TR EAFE GRWTH ETF 464288885 2,290 28,451 SH   SOLE   0 0 28,451
ISHARES TR EAFE SML CP ETF 464288273 904 16,552 SH   SOLE   0 0 16,552
ISHARES TR INTL SEL DIV ETF 464288448 4,397 161,896 SH   SOLE   0 0 161,896
ISHARES TR JPMORGAN USD EMG 464288281 534 6,264 SH   SOLE   0 0 6,264
ISHARES TR MSCI USA QLT FCT 46432F339 449 4,019 SH   SOLE   0 0 4,019
ISHARES TR NATIONAL MUN ETF 464288414 325 3,054 SH   SOLE   0 0 3,054
ISHARES TR PFD AND INCM SEC 464288687 630 19,164 SH   SOLE   0 0 19,164
ISHARES TR S&P 500 GRWT ETF 464287309 7,921 131,255 SH   SOLE   0 0 131,255
ISHARES TR S&P 500 VAL ETF 464287408 3,667 26,679 SH   SOLE   0 0 26,679
ISHARES TR S&P MC 400GR ETF 464287606 8,082 126,813 SH   SOLE   0 0 126,813
ISHARES TR S&P MC 400VL ETF 464287705 9,542 101,075 SH   SOLE   0 0 101,075
ISHARES TR S&P SML 600 GWT 464287887 8,061 76,540 SH   SOLE   0 0 76,540
ISHARES TR SELECT DIVID ETF 464287168 256 2,172 SH   SOLE   0 0 2,172
ISHARES TR SP SMCP600VL ETF 464287879 7,829 87,933 SH   SOLE   0 0 87,933
ISHARES TR TIPS BD ETF 464287176 515 4,518 SH   SOLE   0 0 4,518
ISHARES TR U.S. MED DVC ETF 464288810 242 4,792 SH   SOLE   0 0 4,792
ISHARES TR US TREAS BD ETF 46429B267 2,728 114,141 SH   SOLE   0 0 114,141
JOHNSON & JOHNSON COM 478160104 2,175 12,253 SH   SOLE   0 0 12,253
LAKELAND BANCORP INC COM 511637100 1,001 68,483 SH   SOLE   0 0 68,483
LILLY ELI & CO COM 532457108 276 851 SH   SOLE   0 0 851
LOWES COS INC COM 548661107 252 1,445 SH   SOLE   0 0 1,445
MCDONALDS CORP COM 580135101 464 1,878 SH   SOLE   0 0 1,878
MERCK & CO INC COM 58933Y105 220 2,413 SH   SOLE   0 0 2,413
META PLATFORMS INC CL A 30303M102 276 1,710 SH   SOLE   0 0 1,710
MICROSOFT CORP COM 594918104 726 2,827 SH   SOLE   0 0 2,827
PEPSICO INC COM 713448108 489 2,936 SH   SOLE   0 0 2,936
PROCTER AND GAMBLE CO COM 742718109 337 2,341 SH   SOLE   0 0 2,341
REALTY INCOME CORP COM 756109104 640 9,374 SH   SOLE   0 0 9,374
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 460 18,115 SH   SOLE   0 0 18,115
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,472 107,496 SH   SOLE   0 0 107,496
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,340 76,965 SH   SOLE   0 0 76,965
SELECTIVE INS GROUP INC COM 816300107 1,240 14,258 SH   SOLE   0 0 14,258
SPDR GOLD TR GOLD SHS 78463V107 3,128 18,568 SH   SOLE   0 0 18,568
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,051 2,787 SH   SOLE   0 0 2,787
SPDR SER TR PORTFOLIO AGRGTE 78464A649 321 12,169 SH   SOLE   0 0 12,169
SPDR SER TR S&P 400 MDCP VAL 78464A839 309 5,115 SH   SOLE   0 0 5,115
SPDR SER TR S&P DIVID ETF 78464A763 208 1,756 SH   SOLE   0 0 1,756
TORONTO DOMINION BK ONT COM NEW 891160509 315 4,800 SH   SOLE   0 0 4,800
UNION PAC CORP COM 907818108 216 1,014 SH   SOLE   0 0 1,014
UNITED PARCEL SERVICE INC CL B 911312106 684 3,749 SH   SOLE   0 0 3,749
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,128 14,524 SH   SOLE   0 0 14,524
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 498 6,483 SH   SOLE   0 0 6,483
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,008 40,525 SH   SOLE   0 0 40,525
VANGUARD INDEX FDS GROWTH ETF 922908736 317 1,424 SH   SOLE   0 0 1,424
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,523 8,682 SH   SOLE   0 0 8,682
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,265 17,489 SH   SOLE   0 0 17,489
VANGUARD INDEX FDS MID CAP ETF 922908629 533 2,704 SH   SOLE   0 0 2,704
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,056 33,538 SH   SOLE   0 0 33,538
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,125 14,186 SH   SOLE   0 0 14,186
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,501 7,620 SH   SOLE   0 0 7,620
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 750 18,018 SH   SOLE   0 0 18,018
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 261 3,422 SH   SOLE   0 0 3,422
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 625 4,358 SH   SOLE   0 0 4,358
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 3,388 83,040 SH   SOLE   0 0 83,040
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,245 41,740 SH   SOLE   0 0 41,740
VERIZON COMMUNICATIONS INC COM 92343V104 258 5,093 SH   SOLE   0 0 5,093
WEBSTER FINL CORP COM 947890109 251 5,955 SH   SOLE   0 0 5,955
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,518 33,998 SH   SOLE   0 0 33,998