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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 320,500 3,022 SH   SOLE   0 0 3,022
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 382,774 2,102 SH   SOLE   0 0 2,102
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 434,226 2,877 SH   SOLE   0 0 2,877
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 303,150 1,991 SH   SOLE   0 0 1,991
AMAZON COM INC COM 023135106 BBG001S5PQL7 544,387 3,018 SH   SOLE   0 0 3,018
APPLE INC COM 037833100 BBG001S5N8V8 2,608,183 15,210 SH   SOLE   0 0 15,210
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 981,238 3,965 SH   SOLE   0 0 3,965
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 978,971 2,328 SH   SOLE   0 0 2,328
BLACKROCK ENHANCED EQUITY DI COM 09251A104 BBG001SK5462 114,106 13,831 SH   SOLE   0 0 13,831
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 290,650 5,000 SH   SOLE   0 0 5,000
CATERPILLAR INC COM 149123101 BBG001S5PJ06 308,168 841 SH   SOLE   0 0 841
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 252,969 1,604 SH   SOLE   0 0 1,604
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 889,439 1,214 SH   SOLE   0 0 1,214
DEERE & CO COM 244199105 BBG001S5QFF7 679,775 1,655 SH   SOLE   0 0 1,655
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 3,053,035 117,605 SH   SOLE   60 0 117,545
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 2,954,303 115,719 SH   SOLE   2,427 0 113,291
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 3,940,518 95,528 SH   SOLE   0 0 95,528
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 8,834,702 240,400 SH   SOLE   701 0 239,699
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 328,502 13,109 SH   SOLE   0 0 13,109
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 5,287,078 194,449 SH   SOLE   1,841 0 192,608
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 237,322 4,165 SH   SOLE   0 0 4,165
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 881,690 39,414 SH   SOLE   0 0 39,414
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 4,622,071 153,557 SH   SOLE   0 0 153,557
ELI LILLY & CO COM 532457108 BBG001S5STL8 671,435 863 SH   SOLE   0 0 863
EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 206,326 3,452 SH   SOLE   0 0 3,452
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,246,496 10,723 SH   SOLE   0 0 10,723
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 307,579 1,089 SH   SOLE   0 0 1,089
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 256,377 9,376 SH   SOLE   0 0 9,376
HOME DEPOT INC COM 437076102 BBG001S5RTW7 525,399 1,370 SH   SOLE   0 0 1,370
INNOVATOR ETFS TRUST US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 5,113,456 189,597 SH   SOLE   1,988 0 187,609
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 BBG00PVP3G50 275,762 8,446 SH   SOLE   0 0 8,446
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 651,612 16,661 SH   SOLE   0 0 16,661
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 420,203 2,200 SH   SOLE   0 0 2,200
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 231,576 7,551 SH   SOLE   0 0 7,551
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1,410,027 36,653 SH   SOLE   0 0 36,653
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 643,836 16,391 SH   SOLE   0 0 16,391
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 546,661 3,228 SH   SOLE   0 0 3,228
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,850,850 6,421 SH   SOLE   0 0 6,421
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 14,623,828 348,104 SH   SOLE   1,462 0 346,642
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,761,045 78,384 SH   SOLE   0 0 78,384
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,356,298 12,272 SH   SOLE   0 0 12,272
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,818,397 12,969 SH   SOLE   0 0 12,969
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,993,657 38,478 SH   SOLE   10 0 38,468
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,513,019 23,891 SH   SOLE   0 0 23,891
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3,235,536 115,390 SH   SOLE   717 0 114,673
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 388,876 4,337 SH   SOLE   0 0 4,337
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 368,868 2,244 SH   SOLE   0 0 2,244
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,872,868 26,700 SH   SOLE   0 0 26,700
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 13,868,724 164,244 SH   SOLE   326 0 163,918
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 4,620,392 24,733 SH   SOLE   293 0 24,440
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 14,484,568 158,735 SH   SOLE   0 0 158,735
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 15,332,716 129,620 SH   SOLE   0 0 129,620
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 14,179,560 108,464 SH   SOLE   0 0 108,464
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 266,646 2,165 SH   SOLE   0 0 2,165
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8,671,934 84,390 SH   SOLE   0 0 84,390
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,553,567 14,464 SH   SOLE   0 0 14,464
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 289,610 4,943 SH   SOLE   0 0 4,943
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 3,502,597 153,825 SH   SOLE   0 0 153,825
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,600,250 10,116 SH   SOLE   0 0 10,116
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 401,802 2,006 SH   SOLE   0 0 2,006
LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 747,417 61,770 SH   SOLE   0 0 61,770
LAM RESEARCH CORP COM 512807108 BBG001S5SW40 215,689 222 SH   SOLE   0 0 222
LOWES COS INC COM 548661107 BBG001S5SVL3 302,874 1,189 SH   SOLE   0 0 1,189
MCDONALDS CORP COM 580135101 BBG001S5T110 550,031 1,951 SH   SOLE   0 0 1,951
MERCK & CO INC COM 58933Y105 BBG001S5TC52 277,623 2,104 SH   SOLE   0 0 2,104
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 756,144 1,557 SH   SOLE   0 0 1,557
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,393,374 3,312 SH   SOLE   0 0 3,312
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 248,175 2,500 SH   SOLE   0 0 2,500
PEPSICO INC COM 713448108 BBG001S695T1 504,115 2,880 SH   SOLE   0 0 2,880
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 571,445 3,522 SH   SOLE   0 0 3,522
REALTY INCOME CORP COM 756109104 BBG001S884K0 512,871 9,480 SH   SOLE   0 0 9,480
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 502,962 5,157 SH   SOLE   0 0 5,157
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 483,656 19,155 SH   SOLE   1,600 0 17,555
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 9,203,165 136,566 SH   SOLE   0 0 136,566
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2,491,379 70,239 SH   SOLE   0 0 70,239
SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1,434,275 13,138 SH   SOLE   0 0 13,138
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3,245,439 15,776 SH   SOLE   22 0 15,754
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,408,952 2,694 SH   SOLE   0 0 2,694
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 250,798 2,732 SH   SOLE   0 0 2,732
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 272,454 3,121 SH   SOLE   0 0 3,121
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 499,213 6,569 SH   SOLE   0 0 6,569
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 386,358 2,599 SH   SOLE   0 0 2,599
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 6,150,498 81,572 SH   SOLE   110 0 81,461
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 3,307,962 43,145 SH   SOLE   0 0 43,145
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,090,519 15,015 SH   SOLE   0 0 15,015
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,345,244 27,348 SH   SOLE   0 0 27,348
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 589,429 1,712 SH   SOLE   0 0 1,712
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 2,248,778 9,537 SH   SOLE   0 0 9,537
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,258,870 20,902 SH   SOLE   0 0 20,902
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 482,871 1,933 SH   SOLE   0 0 1,933
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,885,953 33,371 SH   SOLE   0 0 33,371
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,462,890 12,836 SH   SOLE   0 0 12,836
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2,358,114 9,045 SH   SOLE   0 0 9,045
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 419,047 10,032 SH   SOLE   0 0 10,032
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,549,569 32,357 SH   SOLE   0 0 32,357
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 2,253,040 44,526 SH   SOLE   0 0 44,526
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,598,954 20,682 SH   SOLE   0 0 20,682
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 210,903 2,682 SH   SOLE   0 0 2,682
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 612,580 3,355 SH   SOLE   0 0 3,355
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,772,290 35,326 SH   SOLE   0 0 35,326
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 2,184,310 21,691 SH   SOLE   0 0 21,691
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 8,055,454 66,580 SH   SOLE   155 0 66,425
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 208,296 4,964 SH   SOLE   0 0 4,964
VISA INC COM CL A 92826C839 BBG001SRCFY3 286,615 1,027 SH   SOLE   0 0 1,027
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1,936,999 38,085 SH   SOLE   0 0 38,085