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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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 319,984 2,375 SH   SOLE   0 0 2,375
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 397,165 3,318 SH   SOLE   0 0 3,318
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 252,948 2,091 SH   SOLE   0 0 2,091
AMAZON COM INC COM 023135106 BBG001S5PQL7 534,867 4,103 SH   SOLE   0 0 4,103
APPLE INC COM 037833100 BBG001S5N8V8 3,255,793 16,785 SH   SOLE   0 0 16,785
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 208,836 950 SH   SOLE   0 0 950
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 379,799 1,439 SH   SOLE   0 0 1,439
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 811,580 2,380 SH   SOLE   0 0 2,380
CATERPILLAR INC COM 149123101 BBG001S5PJ06 233,748 950 SH   SOLE   0 0 950
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 253,602 1,612 SH   SOLE   0 0 1,612
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 398,401 740 SH   SOLE   0 0 740
DEERE & CO COM 244199105 BBG001S5QFF7 670,995 1,656 SH   SOLE   0 0 1,656
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,789,704 73,439 SH   SOLE   0 0 73,439
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 1,405,729 57,635 SH   SOLE   0 0 57,635
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 2,101,193 50,864 SH   SOLE   0 0 50,864
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 6,176,872 188,033 SH   SOLE   0 0 188,033
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 266,382 11,673 SH   SOLE   0 0 11,673
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 3,372,501 142,600 SH   SOLE   0 0 142,600
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 622,595 28,931 SH   SOLE   0 0 28,931
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 3,008,208 117,051 SH   SOLE   0 0 117,051
EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 244,816 3,452 SH   SOLE   0 0 3,452
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,050,247 9,793 SH   SOLE   0 0 9,793
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 231,236 1,075 SH   SOLE   0 0 1,075
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 263,215 10,340 SH   SOLE   0 0 10,340
HERSHEY CO COM 427866108 BBG001S5S148 210,997 845 SH   SOLE   0 0 845
HOME DEPOT INC COM 437076102 BBG001S5RTW7 411,406 1,324 SH   SOLE   0 0 1,324
INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 2,896,935 117,832 SH   SOLE   0 0 117,832
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 605,612 17,249 SH   SOLE   0 0 17,249
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 291,770 2,180 SH   SOLE   0 0 2,180
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1,373,102 8,390 SH   SOLE   0 0 8,390
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 733,364 4,268 SH   SOLE   0 0 4,268
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 489,265 3,270 SH   SOLE   0 0 3,270
INVESCO HIGH INCOME TR II COM 46131F101 BBG001S5Z300 201,971 7,451 SH   SOLE   0 0 7,451
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,540,927 6,878 SH   SOLE   0 0 6,878
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 12,546,126 344,769 SH   SOLE   0 0 344,769
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,532,535 17,334 SH   SOLE   0 0 17,334
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,288,926 12,935 SH   SOLE   0 0 12,935
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,864,279 13,157 SH   SOLE   0 0 13,157
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,456,769 36,231 SH   SOLE   0 0 36,231
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,355,045 22,975 SH   SOLE   0 0 22,975
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3,346,169 127,086 SH   SOLE   0 0 127,086
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 484,925 5,603 SH   SOLE   0 0 5,603
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 362,583 2,688 SH   SOLE   0 0 2,688
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,902,942 17,829 SH   SOLE   0 0 17,829
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 12,274,924 174,162 SH   SOLE   0 0 174,162
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 3,985,602 24,726 SH   SOLE   0 0 24,726
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 11,948,054 159,307 SH   SOLE   0 0 159,307
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 13,288,252 124,039 SH   SOLE   0 0 124,039
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 11,927,417 103,780 SH   SOLE   0 0 103,780
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 243,750 2,151 SH   SOLE   0 0 2,151
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8,392,861 88,262 SH   SOLE   0 0 88,262
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,769,333 16,441 SH   SOLE   0 0 16,441
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 271,163 4,803 SH   SOLE   0 0 4,803
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 3,950,637 172,517 SH   SOLE   0 0 172,517
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,702,208 10,284 SH   SOLE   0 0 10,284
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 214,379 1,474 SH   SOLE   0 0 1,474
LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 862,329 64,401 SH   SOLE   0 0 64,401
LILLY ELI & CO COM 532457108 BBG001S5STL8 392,536 837 SH   SOLE   0 0 837
LOWES COS INC COM 548661107 BBG001S5SVL3 271,066 1,201 SH   SOLE   0 0 1,201
MCDONALDS CORP COM 580135101 BBG001S5T110 582,128 1,951 SH   SOLE   0 0 1,951
MERCK & CO INC COM 58933Y105 BBG001S5TC52 225,818 1,957 SH   SOLE   0 0 1,957
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 496,475 1,730 SH   SOLE   0 0 1,730
MICROSOFT CORP COM 594918104 BBG001S5TD05 832,242 2,444 SH   SOLE   0 0 2,444
PEPSICO INC COM 713448108 BBG001S695T1 524,803 2,833 SH   SOLE   0 0 2,833
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 376,770 2,483 SH   SOLE   0 0 2,483
REALTY INCOME CORP COM 756109104 BBG001S884K0 484,544 8,104 SH   SOLE   0 0 8,104
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 564,461 22,918 SH   SOLE   0 0 22,918
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 7,911,183 137,419 SH   SOLE   0 0 137,419
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2,540,665 76,549 SH   SOLE   0 0 76,549
SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1,260,591 13,138 SH   SOLE   0 0 13,138
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3,002,780 16,844 SH   SOLE   0 0 16,844
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,211,899 2,734 SH   SOLE   0 0 2,734
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 250,852 2,732 SH   SOLE   0 0 2,732
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 219,327 3,061 SH   SOLE   0 0 3,061
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 314,953 4,579 SH   SOLE   0 0 4,579
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 248,040 4,000 SH   SOLE   0 0 4,000
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 533,352 2,975 SH   SOLE   0 0 2,975
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 4,603,492 61,192 SH   SOLE   0 0 61,192
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,524,646 33,408 SH   SOLE   0 0 33,408
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 489,441 6,733 SH   SOLE   0 0 6,733
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,040,406 21,285 SH   SOLE   0 0 21,285
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 536,587 1,896 SH   SOLE   0 0 1,896
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 2,038,304 9,906 SH   SOLE   0 0 9,906
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 2,863,964 20,696 SH   SOLE   0 0 20,696
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 477,362 2,168 SH   SOLE   0 0 2,168
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,889,678 34,582 SH   SOLE   0 0 34,582
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,135,846 12,913 SH   SOLE   0 0 12,913
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2,102,785 9,153 SH   SOLE   0 0 9,153
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 608,033 14,947 SH   SOLE   0 0 14,947
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,036,448 21,857 SH   SOLE   0 0 21,857
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 628,739 8,310 SH   SOLE   0 0 8,310
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 582,745 3,588 SH   SOLE   0 0 3,588
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,125,709 46,031 SH   SOLE   0 0 46,031
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 300,938 2,995 SH   SOLE   0 0 2,995
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 6,520,337 61,472 SH   SOLE   0 0 61,472
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 204,291 5,493 SH   SOLE   0 0 5,493
WEBSTER FINL CORP COM 947890109 BBG001S5XCP5 224,801 5,955 SH   SOLE   0 0 5,955
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1,682,529 36,160 SH   SOLE   0 0 36,160