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 336 2,500 SH   SOLE   0 0 2,500
ALPHABET INC CAP STK CL A 02079K305 363 3,800 SH   SOLE   0 0 3,800
ALPHABET INC CAP STK CL C 02079K107 285 2,960 SH   SOLE   0 0 2,960
AMAZON COM INC COM 023135106 560 4,955 SH   SOLE   0 0 4,955
APPLE INC COM 037833100 2,062 14,923 SH   SOLE   0 0 14,923
AUTOMATIC DATA PROCESSING IN COM 053015103 242 1,070 SH   SOLE   0 0 1,070
BECTON DICKINSON & CO COM 075887109 321 1,439 SH   SOLE   0 0 1,439
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 771 2,887 SH   SOLE   0 0 2,887
CHEVRON CORP NEW COM 166764100 276 1,918 SH   SOLE   0 0 1,918
COSTCO WHSL CORP NEW COM 22160K105 358 757 SH   SOLE   0 0 757
DEERE & CO COM 244199105 597 1,787 SH   SOLE   0 0 1,787
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 583 28,392 SH   SOLE   0 0 28,392
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 791 19,449 SH   SOLE   0 0 19,449
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,603 62,213 SH   SOLE   0 0 62,213
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1,141 61,482 SH   SOLE   0 0 61,482
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 951 43,624 SH   SOLE   0 0 43,624
EXXON MOBIL CORP COM 30231G102 1,042 11,938 SH   SOLE   0 0 11,938
GENERAL DYNAMICS CORP COM 369550108 243 1,147 SH   SOLE   0 0 1,147
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 222 10,471 SH   SOLE   0 0 10,471
HOME DEPOT INC COM 437076102 353 1,278 SH   SOLE   0 0 1,278
INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 457 22,271 SH   SOLE   0 0 22,271
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 515 17,497 SH   SOLE   0 0 17,497
INTERNATIONAL BUSINESS MACHS COM 459200101 265 2,233 SH   SOLE   0 0 2,233
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,187 8,555 SH   SOLE   0 0 8,555
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 792 5,437 SH   SOLE   0 0 5,437
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 423 3,320 SH   SOLE   0 0 3,320
INVESCO QQQ TR UNIT SER 1 46090E103 1,323 4,949 SH   SOLE   0 0 4,949
ISHARES GOLD TR ISHARES NEW 464285204 10,301 326,694 SH   SOLE   0 0 326,694
ISHARES TR CORE S&P MCP ETF 464287507 4,548 20,743 SH   SOLE   0 0 20,743
ISHARES TR CORE S&P SCP ETF 464287804 1,524 17,479 SH   SOLE   0 0 17,479
ISHARES TR CORE S&P500 ETF 464287200 4,427 12,343 SH   SOLE   0 0 12,343
ISHARES TR EAFE GRWTH ETF 464288885 2,357 32,486 SH   SOLE   0 0 32,486
ISHARES TR EAFE SML CP ETF 464288273 1,071 21,954 SH   SOLE   0 0 21,954
ISHARES TR INTL SEL DIV ETF 464288448 3,622 160,766 SH   SOLE   0 0 160,766
ISHARES TR JPMORGAN USD EMG 464288281 457 5,753 SH   SOLE   0 0 5,753
ISHARES TR MSCI USA QLT FCT 46432F339 346 3,331 SH   SOLE   0 0 3,331
ISHARES TR PFD AND INCM SEC 464288687 600 18,944 SH   SOLE   0 0 18,944
ISHARES TR S&P 500 GRWT ETF 464287309 8,038 138,942 SH   SOLE   0 0 138,942
ISHARES TR S&P 500 VAL ETF 464287408 3,341 25,998 SH   SOLE   0 0 25,998
ISHARES TR S&P MC 400GR ETF 464287606 8,441 133,936 SH   SOLE   0 0 133,936
ISHARES TR S&P MC 400VL ETF 464287705 10,018 111,313 SH   SOLE   0 0 111,313
ISHARES TR S&P SML 600 GWT 464287887 8,458 83,191 SH   SOLE   0 0 83,191
ISHARES TR SELECT DIVID ETF 464287168 233 2,172 SH   SOLE   0 0 2,172
ISHARES TR SP SMCP600VL ETF 464287879 7,619 92,411 SH   SOLE   0 0 92,411
ISHARES TR TIPS BD ETF 464287176 586 5,586 SH   SOLE   0 0 5,586
ISHARES TR U.S. MED DVC ETF 464288810 226 4,792 SH   SOLE   0 0 4,792
ISHARES TR US TREAS BD ETF 46429B267 3,262 143,335 SH   SOLE   0 0 143,335
JOHNSON & JOHNSON COM 478160104 1,904 11,653 SH   SOLE   0 0 11,653
LAKELAND BANCORP INC COM 511637100 1,096 68,483 SH   SOLE   0 0 68,483
LILLY ELI & CO COM 532457108 275 851 SH   SOLE   0 0 851
LOWES COS INC COM 548661107 271 1,445 SH   SOLE   0 0 1,445
MCDONALDS CORP COM 580135101 433 1,878 SH   SOLE   0 0 1,878
META PLATFORMS INC CL A 30303M102 238 1,755 SH   SOLE   0 0 1,755
MICROSOFT CORP COM 594918104 654 2,807 SH   SOLE   0 0 2,807
PEPSICO INC COM 713448108 480 2,938 SH   SOLE   0 0 2,938
PROCTER AND GAMBLE CO COM 742718109 296 2,341 SH   SOLE   0 0 2,341
REALTY INCOME CORP COM 756109104 519 8,925 SH   SOLE   0 0 8,925
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 537 23,974 SH   SOLE   0 0 23,974
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,552 116,253 SH   SOLE   0 0 116,253
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,126 78,188 SH   SOLE   0 0 78,188
SELECTIVE INS GROUP INC COM 816300107 1,161 14,258 SH   SOLE   0 0 14,258
SPDR GOLD TR GOLD SHS 78463V107 2,858 18,476 SH   SOLE   0 0 18,476
SPDR S&P 500 ETF TR TR UNIT 78462F103 992 2,777 SH   SOLE   0 0 2,777
SPDR SER TR S&P 400 MDCP VAL 78464A839 294 5,082 SH   SOLE   0 0 5,082
TORONTO DOMINION BK ONT COM NEW 891160509 294 4,800 SH   SOLE   0 0 4,800
UNITED PARCEL SERVICE INC CL B 911312106 606 3,749 SH   SOLE   0 0 3,749
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,704 23,189 SH   SOLE   0 0 23,189
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,092 14,599 SH   SOLE   0 0 14,599
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 961 20,124 SH   SOLE   0 0 20,124
VANGUARD INDEX FDS GROWTH ETF 922908736 341 1,592 SH   SOLE   0 0 1,592
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,588 9,313 SH   SOLE   0 0 9,313
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,415 19,830 SH   SOLE   0 0 19,830
VANGUARD INDEX FDS MID CAP ETF 922908629 490 2,605 SH   SOLE   0 0 2,605
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,823 35,209 SH   SOLE   0 0 35,209
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,873 13,061 SH   SOLE   0 0 13,061
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,562 8,007 SH   SOLE   0 0 8,007
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 545 14,945 SH   SOLE   0 0 14,945
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 379 5,098 SH   SOLE   0 0 5,098
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 581 4,298 SH   SOLE   0 0 4,298
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,273 62,517 SH   SOLE   0 0 62,517
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,215 44,421 SH   SOLE   0 0 44,421
WEBSTER FINL CORP COM 947890109 269 5,955 SH   SOLE   0 0 5,955
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,389 34,875 SH   SOLE   0 0 34,875