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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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
ALPHABET INC CAP STK CL A 02079K305 1,641 8,294 SH   SOLE   0 0 8,294
ALPHABET INC CAP STK CL C 02079K107 542 2,709 SH   SOLE   0 0 2,709
AMAZON COM INC COM 023135106 643 5,871 SH   SOLE   0 0 5,871
APPLE INC COM 037833100 1,370 9,971 SH   SOLE   0 0 9,971
ARCHER DANIELS MIDLAND CO COM 039483102 274 3,475 SH   SOLE   0 0 3,475
BERKSHIRE HATHAWAY INC DEL CL A 084670108 815 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 285 1,054 SH   SOLE   0 0 1,054
BLACKROCK INC COM 09247X101 899 1,551 SH   SOLE   0 0 1,551
CAPITAL ONE FINL CORP COM 14040H105 240 2,441 SH   SOLE   0 0 2,441
COCA COLA CO COM 191216100 240 4,035 SH   SOLE   0 0 4,035
ELEVANCE HEALTH INC COM 036752103 205 437 SH   SOLE   0 0 437
GALLAGHER ARTHUR J & CO COM 363576109 19,830 118,653 SH   SOLE   0 0 118,653
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 3,290 45,393 SH   SOLE   0 0 45,393
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 471 22,504 SH   SOLE   0 0 22,504
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 755 37,410 SH   SOLE   0 0 37,410
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 650 34,286 SH   SOLE   0 0 34,286
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 417 21,308 SH   SOLE   0 0 21,308
ISHARES GOLD TR ISHARES NEW 464285204 236 7,214 SH   SOLE   0 0 7,214
ISHARES TR CORE S&P MCP ETF 464287507 3,267 14,665 SH   SOLE   0 0 14,665
ISHARES TR CORE S&P SCP ETF 464287804 670 7,463 SH   SOLE   0 0 7,463
ISHARES TR CORE S&P500 ETF 464287200 6,576 17,712 SH   SOLE   0 0 17,712
ISHARES TR CORE US AGGBD ET 464287226 4,165 41,858 SH   SOLE   0 0 41,858
ISHARES TR GLB CNS DISC ETF 464288745 365 2,936 SH   SOLE   0 0 2,936
ISHARES TR MSCI EAFE ETF 464287465 3,138 52,987 SH   SOLE   0 0 52,987
ISHARES TR MSCI EMG MKT ETF 464287234 1,513 40,610 SH   SOLE   0 0 40,610
ISHARES TR RUS 1000 GRW ETF 464287614 14,727 68,641 SH   SOLE   0 0 68,641
ISHARES TR RUS 1000 VAL ETF 464287598 19,237 136,902 SH   SOLE   0 0 136,902
ISHARES TR RUS MID CAP ETF 464287499 2,579 40,688 SH   SOLE   0 0 40,688
ISHARES TR RUSSELL 2000 ETF 464287655 9,674 57,877 SH   SOLE   0 0 57,877
ISHARES TR S&P 500 VAL ETF 464287408 1,513 11,374 SH   SOLE   0 0 11,374
ISHARES TR TIPS BD ETF 464287176 865 7,596 SH   SOLE   0 0 7,596
ISHARES TR USD INV GRDE ETF 464288620 371 7,512 SH   SOLE   0 0 7,512
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 3,196 59,898 SH   SOLE   0 0 59,898
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 2,452 48,886 SH   SOLE   0 0 48,886
JOHNSON & JOHNSON COM 478160104 552 3,239 SH   SOLE   0 0 3,239
LAKELAND BANCORP INC COM 511637100 583 38,080 SH   SOLE   0 0 38,080
MASTERCARD INCORPORATED CL A 57636Q104 1,121 3,737 SH   SOLE   0 0 3,737
MICROSOFT CORP COM 594918104 1,872 7,641 SH   SOLE   0 0 7,641
MONDELEZ INTL INC CL A 609207105 284 4,857 SH   SOLE   0 0 4,857
NEUROONE MED TECHNOLOGIES CO COM NEW 64130M209 24 18,348 SH   SOLE   0 0 18,348
NEW JERSEY RES CORP COM 646025106 1,628 39,126 SH   SOLE   0 0 39,126
OCEANFIRST FINL CORP COM 675234108 205 10,852 SH   SOLE   0 0 10,852
SPDR GOLD TR GOLD SHS 78463V107 2,498 15,440 SH   SOLE   0 0 15,440
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 599 22,604 SH   SOLE   0 0 22,604
SPDR S&P 500 ETF TR TR UNIT 78462F103 227 622 SH   SOLE   0 0 622
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 7,024 17,236 SH   SOLE   0 0 17,236
SPDR SER TR DJ REIT ETF 78464A607 283 3,211 SH   SOLE   0 0 3,211
SPDR SER TR PORTFOLIO INTRMD 78464A375 521 16,302 SH   SOLE   0 0 16,302
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 20,579 280,888 SH   SOLE   0 0 280,888
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,015 11,783 SH   SOLE   0 0 11,783
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,482 7,335 SH   SOLE   0 0 7,335
VANGUARD INDEX FDS SMALL CP ETF 922908751 335 1,932 SH   SOLE   0 0 1,932
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,290 109,517 SH   SOLE   0 0 109,517
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 372 3,800 SH   SOLE   0 0 3,800
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 225 5,465 SH   SOLE   0 0 5,465
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 447 5,724 SH   SOLE   0 0 5,724
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,941 25,154 SH   SOLE   0 0 25,154
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 21,648 371,189 SH   SOLE   0 0 371,189
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 10,804 279,811 SH   SOLE   0 0 279,811
VANGUARD WORLD FD EXTENDED DUR 921910709 575 6,154 SH   SOLE   0 0 6,154
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,968 29,504 SH   SOLE   0 0 29,504
VISA INC COM CL A 92826C839 814 4,346 SH   SOLE   0 0 4,346