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
ABBOTT LABS COM 002824100   416,564 3,665 SH   SOLE 0 0 0 3,665
ABBVIE INC COM 00287Y109   1,265,595 6,950 SH   SOLE 0 0 0 6,950
ADOBE INC COM 00724F101   253,309 502 SH   SOLE 0 0 0 502
ADVANCED MICRO DEVICES INC COM 007903107   400,327 2,218 SH   SOLE 0 0 0 2,218
AIR PRODS & CHEMS INC COM 009158106   296,538 1,224 SH   SOLE 0 0 0 1,224
ALPHABET INC CAP STK CL C 02079K107   627,311 4,120 SH   SOLE 0 0 0 4,120
ALPHABET INC CAP STK CL A 02079K305   1,827,159 12,106 SH   SOLE 0 0 0 12,106
AMAZON COM INC COM 023135106   1,673,566 9,278 SH   SOLE 0 0 0 9,278
AMERICAN CENTY ETF TR US SML CP VALU 025072877   9,633,641 102,803 SH   SOLE 0 0 0 102,803
AMERICAN CENTY ETF TR US EQT ETF 025072885   1,618,876 18,088 SH   SOLE 0 0 0 18,088
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   2,046,373 32,105 SH   SOLE 0 0 0 32,105
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   8,224,926 124,885 SH   SOLE 0 0 0 124,885
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   4,703,628 81,153 SH   SOLE 0 0 0 81,153
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   6,563,067 102,133 SH   SOLE 0 0 0 102,133
AMERICAN CENTY ETF TR REAL ESTATE ETF 025072356   2,646,813 62,602 SH   SOLE 0 0 0 62,602
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364   2,800,965 51,793 SH   SOLE 0 0 0 51,793
AMERICAN INTL GROUP INC COM NEW 026874784   312,915 4,003 SH   SOLE 0 0 0 4,003
AMERICAN TOWER CORP NEW COM 03027X100   205,494 1,040 SH   SOLE 0 0 0 1,040
APPLE INC COM 037833100   2,518,578 14,687 SH   SOLE 0 0 0 14,687
BANK AMERICA CORP COM 060505104   302,098 7,967 SH   SOLE 0 0 0 7,967
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   724,135 1,722 SH   SOLE 0 0 0 1,722
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   1,120,055 11,223 SH   SOLE 0 0 0 11,223
BROADCOM INC COM 11135F101   299,543 226 SH   SOLE 0 0 0 226
CATERPILLAR INC COM 149123101   307,801 840 SH   SOLE 0 0 0 840
CHEVRON CORP NEW COM 166764100   1,079,369 6,843 SH   SOLE 0 0 0 6,843
COCA COLA CO COM 191216100   209,563 3,425 SH   SOLE 0 0 0 3,425
COLGATE PALMOLIVE CO COM 194162103   206,305 2,291 SH   SOLE 0 0 0 2,291
COSTCO WHSL CORP NEW COM 22160K105   693,801 947 SH   SOLE 0 0 0 947
CSX CORP COM 126408103   460,372 12,419 SH   SOLE 0 0 0 12,419
DEERE & CO COM 244199105   456,332 1,111 SH   SOLE 0 0 0 1,111
DELL TECHNOLOGIES INC CL C 24703L202   248,189 2,175 SH   SOLE 0 0 0 2,175
DEVON ENERGY CORP NEW COM 25179M103   265,452 5,290 SH   SOLE 0 0 0 5,290
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   595,666 19,711 SH   SOLE 0 0 0 19,711
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   8,340,606 337,403 SH   SOLE 0 0 0 337,403
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,031,761 32,293 SH   SOLE 0 0 0 32,293
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   2,299,354 36,884 SH   SOLE 0 0 0 36,884
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   307,965 5,658 SH   SOLE 0 0 0 5,658
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,032,548 28,097 SH   SOLE 0 0 0 28,097
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   402,004 8,546 SH   SOLE 0 0 0 8,546
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   6,865,998 163,671 SH   SOLE 0 0 0 163,671
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   9,115,123 189,543 SH   SOLE 0 0 0 189,543
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   1,513,375 50,278 SH   SOLE 0 0 0 50,278
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   3,946,281 145,137 SH   SOLE 0 0 0 145,137
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   3,770,433 150,456 SH   SOLE 0 0 0 150,456
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   567,160 13,867 SH   SOLE 0 0 0 13,867
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   427,870 16,760 SH   SOLE 0 0 0 16,760
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   1,553,230 51,792 SH   SOLE 0 0 0 51,792
EATON CORP PLC SHS G29183103   836,732 2,676 SH   SOLE 0 0 0 2,676
ELI LILLY & CO COM 532457108   1,446,228 1,859 SH   SOLE 0 0 0 1,859
EXXON MOBIL CORP COM 30231G102   289,670 2,492 SH   SOLE 0 0 0 2,492
GLOBAL X FDS US PFD ETF 37954Y657   5,588,150 277,190 SH   SOLE 0 0 0 277,190
HERSHEY CO COM 427866108   214,339 1,102 SH   SOLE 0 0 0 1,102
HOME DEPOT INC COM 437076102   784,574 2,045 SH   SOLE 0 0 0 2,045
HONEYWELL INTL INC COM 438516106   274,419 1,337 SH   SOLE 0 0 0 1,337
INTEL CORP COM 458140100   475,048 10,755 SH   SOLE 0 0 0 10,755
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833   10,152,086 446,638 SH   SOLE 0 0 0 446,638
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817   3,928,237 171,165 SH   SOLE 0 0 0 171,165
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   281,520 8,000 SH   SOLE 0 0 0 8,000
INVESCO QQQ TR UNIT SER 1 46090E103   427,905 964 SH   SOLE 0 0 0 964
ISHARES TR CORE S&P MCP ETF 464287507   1,085,120 17,865 SH   SOLE 0 0 0 17,865
ISHARES TR CORE S&P SCP ETF 464287804   239,386 2,166 SH   SOLE 0 0 0 2,166
ISHARES TR CORE S&P500 ETF 464287200   878,495 1,671 SH   SOLE 0 0 0 1,671
ISHARES TR RUS 1000 GRW ETF 464287614   387,608 1,150 SH   SOLE 0 0 0 1,150
ISHARES TR RUSSELL 2000 ETF 464287655   916,277 4,357 SH   SOLE 0 0 0 4,357
ISHARES TR CORE S&P US VLU 464287663   1,229,260 13,592 SH   SOLE 0 0 0 13,592
ISHARES TR CORE S&P US GWT 464287671   632,934 5,400 SH   SOLE 0 0 0 5,400
ISHARES TR MSCI EAFE ETF 464287465   472,052 5,911 SH   SOLE 0 0 0 5,911
ISHARES TR GLOBAL ENERG ETF 464287341   221,064 5,147 SH   SOLE 0 0 0 5,147
ISHARES TR 20 YR TR BD ETF 464287432   215,828 2,281 SH   SOLE 0 0 0 2,281
ISHARES TR MSCI EMG MKT ETF 464287234   385,166 9,376 SH   SOLE 0 0 0 9,376
ISHARES TR INTL SEL DIV ETF 464288448   816,216 29,109 SH   SOLE 0 0 0 29,109
ISHARES TR 10-20 YR TRS ETF 464288653   1,122,771 10,690 SH   SOLE 0 0 0 10,690
ISHARES TR PFD AND INCM SEC 464288687   9,574,695 297,074 SH   SOLE 0 0 0 297,074
ISHARES TR NATIONAL MUN ETF 464288414   1,038,448 9,651 SH   SOLE 0 0 0 9,651
ISHARES TR EAFE SML CP ETF 464288273   338,436 5,344 SH   SOLE 0 0 0 5,344
ISHARES TR EAFE VALUE ETF 464288877   3,870,832 71,155 SH   SOLE 0 0 0 71,155
ISHARES TR EAFE GRWTH ETF 464288885   882,734 8,505 SH   SOLE 0 0 0 8,505
ISHARES TR MSCI INTL VLU FT 46435G409   340,962 12,078 SH   SOLE 0 0 0 12,078
ISHARES TR GLOBAL REIT ETF 46434V647   1,919,572 81,063 SH   SOLE 0 0 0 81,063
ISHARES TR EXPONENTIAL TECH 46434V381   280,989 4,713 SH   SOLE 0 0 0 4,713
ISHARES TR CORE MSCI TOTAL 46432F834   1,750,788 25,800 SH   SOLE 0 0 0 25,800
ISHARES TR CORE MSCI EAFE 46432F842   1,085,839 14,630 SH   SOLE 0 0 0 14,630
ISHARES TR CORE HIGH DV ETF 46429B663   965,991 8,765 SH   SOLE 0 0 0 8,765
ISHARES TR MSCI USA MIN VOL 46429B697   498,722 5,967 SH   SOLE 0 0 0 5,967
ISHARES TR 0-5YR HI YL CP 46434V407   551,774 12,968 SH   SOLE 0 0 0 12,968
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   3,659,572 72,124 SH   SOLE 0 0 0 72,124
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   18,178,062 358,259 SH   SOLE 0 0 0 358,259
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,098,472 18,985 SH   SOLE 0 0 0 18,985
JOHNSON & JOHNSON COM 478160104   395,475 2,500 SH   SOLE 0 0 0 2,500
JPMORGAN CHASE & CO COM 46625H100   743,914 3,714 SH   SOLE 0 0 0 3,714
L3HARRIS TECHNOLOGIES INC COM 502431109   206,707 970 SH   SOLE 0 0 0 970
LAKELAND BANCORP INC COM 511637100   559,770 46,262 SH   SOLE 0 0 0 46,262
LAM RESEARCH CORP COM 512807108   275,926 284 SH   SOLE 0 0 0 284
LOCKHEED MARTIN CORP COM 539830109   299,304 658 SH   SOLE 0 0 0 658
M & T BK CORP COM 55261F104   236,340 1,625 SH   SOLE 0 0 0 1,625
MARTIN MARIETTA MATLS INC COM 573284106   430,372 701 SH   SOLE 0 0 0 701
MASTERCARD INCORPORATED CL A 57636Q104   1,151,915 2,392 SH   SOLE 0 0 0 2,392
MEDICAL PPTYS TRUST INC COM 58463J304   102,084 21,720 SH   SOLE 0 0 0 21,720
MERCK & CO INC COM 58933Y105   657,332 4,982 SH   SOLE 0 0 0 4,982
META PLATFORMS INC CL A 30303M102   281,151 579 SH   SOLE 0 0 0 579
MICRON TECHNOLOGY INC COM 595112103   245,329 2,081 SH   SOLE 0 0 0 2,081
MICROSOFT CORP COM 594918104   3,010,672 7,156 SH   SOLE 0 0 0 7,156
NOVO-NORDISK A S ADR 670100205   742,024 5,779 SH   SOLE 0 0 0 5,779
NVIDIA CORPORATION COM 67066G104   1,252,334 1,386 SH   SOLE 0 0 0 1,386
PATTERSON COS INC COM 703395103   217,882 7,880 SH   SOLE 0 0 0 7,880
PEPSICO INC COM 713448108   252,834 1,445 SH   SOLE 0 0 0 1,445
PGIM ETF TR AAA CLO ETF 69344A834   641,050 12,577 SH   SOLE 0 0 0 12,577
PNC FINL SVCS GROUP INC COM 693475105   273,203 1,691 SH   SOLE 0 0 0 1,691
PROCTER AND GAMBLE CO COM 742718109   403,840 2,489 SH   SOLE 0 0 0 2,489
QUALCOMM INC COM 747525103   683,126 4,035 SH   SOLE 0 0 0 4,035
RAYMOND JAMES FINL INC COM 754730109   410,944 3,200 SH   SOLE 0 0 0 3,200
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   150,858 13,777 SH   SOLE 0 0 0 13,777
SALESFORCE INC COM 79466L302   365,934 1,215 SH   SOLE 0 0 0 1,215
SCHWAB CHARLES CORP COM 808513105   294,351 4,069 SH   SOLE 0 0 0 4,069
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   6,829,890 192,554 SH   SOLE 0 0 0 192,554
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   8,438,330 147,963 SH   SOLE 0 0 0 147,963
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   2,173,219 78,286 SH   SOLE 0 0 0 78,286
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   7,175,006 201,489 SH   SOLE 0 0 0 201,489
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   4,190,310 62,180 SH   SOLE 0 0 0 62,180
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,207,557 23,832 SH   SOLE 0 0 0 23,832
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,281,265 28,293 SH   SOLE 0 0 0 28,293
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,352,086 28,885 SH   SOLE 0 0 0 28,885
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   546,202 13,998 SH   SOLE 0 0 0 13,998
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   433,799 6,990 SH   SOLE 0 0 0 6,990
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,334,258 27,097 SH   SOLE 0 0 0 27,097
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   598,576 16,720 SH   SOLE 0 0 0 16,720
SCHWAB STRATEGIC TR LONG TERM US 808524680   3,441,404 102,028 SH   SOLE 0 0 0 102,028
SCILEX HOLDING CO COM 80880W106   34,901 21,950 SH   SOLE 0 0 0 21,950
SELECT SECTOR SPDR TR ENERGY 81369Y506   518,972 5,497 SH   SOLE 0 0 0 5,497
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   650,011 3,121 SH   SOLE 0 0 0 3,121
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   306,540 2,075 SH   SOLE 0 0 0 2,075
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,539,531 14,414 SH   SOLE 0 0 0 14,414
SPDR SER TR S&P 600 SMCP VAL 78464A300   3,013,968 36,326 SH   SOLE 0 0 0 36,326
SPDR SER TR S&P DIVID ETF 78464A763   255,656 1,948 SH   SOLE 0 0 0 1,948
SPDR SER TR S&P 400 MDCP VAL 78464A839   843,904 11,104 SH   SOLE 0 0 0 11,104
SPDR SER TR NUVEEN BLMBRG MU 78468R721   1,866,683 40,161 SH   SOLE 0 0 0 40,161
SUPER MICRO COMPUTER INC COM 86800U104   533,296 528 SH   SOLE 0 0 0 528
TEXAS PACIFIC LAND CORPORATI COM 88262P102   2,318,838 4,008 SH   SOLE 0 0 0 4,008
TRANE TECHNOLOGIES PLC SHS G8994E103   354,536 1,181 SH   SOLE 0 0 0 1,181
UNITED RENTALS INC COM 911363109   830,719 1,152 SH   SOLE 0 0 0 1,152
UNITEDHEALTH GROUP INC COM 91324P102   780,142 1,577 SH   SOLE 0 0 0 1,577
VALERO ENERGY CORP COM 91913Y100   689,588 4,040 SH   SOLE 0 0 0 4,040
VANECK ETF TRUST LONG MUNI ETF 92189F536   203,549 11,302 SH   SOLE 0 0 0 11,302
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   507,700 20,714 SH   SOLE 0 0 0 20,714
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   6,316,954 13,141 SH   SOLE 0 0 0 13,141
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,252,045 5,310 SH   SOLE 0 0 0 5,310
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   2,155,923 13,828 SH   SOLE 0 0 0 13,828
VANGUARD INDEX FDS VALUE ETF 922908744   9,409,725 57,778 SH   SOLE 0 0 0 57,778
VANGUARD INDEX FDS MID CAP ETF 922908629   758,825 3,037 SH   SOLE 0 0 0 3,037
VANGUARD INDEX FDS SM CP VAL ETF 922908611   8,492,897 44,262 SH   SOLE 0 0 0 44,262
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,801,061 7,879 SH   SOLE 0 0 0 7,879
VANGUARD INDEX FDS GROWTH ETF 922908736   912,130 2,650 SH   SOLE 0 0 0 2,650
VANGUARD INDEX FDS TOTAL STK MKT 922908769   389,849 1,500 SH   SOLE 0 0 0 1,500
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   712,220 17,051 SH   SOLE 0 0 0 17,051
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   612,118 8,051 SH   SOLE 0 0 0 8,051
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   688,551 11,740 SH   SOLE 0 0 0 11,740
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   1,188,888 17,655 SH   SOLE 0 0 0 17,655
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   211,480 1,810 SH   SOLE 0 0 0 1,810
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,934,944 38,240 SH   SOLE 0 0 0 38,240
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   378,517 4,450 SH   SOLE 0 0 0 4,450
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,922,987 10,531 SH   SOLE 0 0 0 10,531
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,786,388 29,625 SH   SOLE 0 0 0 29,625
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,339,026 46,622 SH   SOLE 0 0 0 46,622
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   1,195,675 17,379 SH   SOLE 0 0 0 17,379
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   4,423,124 54,251 SH   SOLE 0 0 0 54,251
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,175,006 17,977 SH   SOLE 0 0 0 17,977
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   212,879 670 SH   SOLE 0 0 0 670
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,065,715 4,365 SH   SOLE 0 0 0 4,365
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   958,993 3,545 SH   SOLE 0 0 0 3,545
VANGUARD WORLD FDS MATERIALS ETF 92204A801   404,976 1,981 SH   SOLE 0 0 0 1,981
VANGUARD WORLD FDS INF TECH ETF 92204A702   354,978 677 SH   SOLE 0 0 0 677
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   490,107 3,735 SH   SOLE 0 0 0 3,735
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   204,140 1,000 SH   SOLE 0 0 0 1,000
VISA INC COM CL A 92826C839   622,069 2,229 SH   SOLE 0 0 0 2,229
WALMART INC COM 931142103   286,289 4,758 SH   SOLE 0 0 0 4,758
YORK WTR CO COM 987184108   410,339 11,313 SH   SOLE 0 0 0 11,313