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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,959,587 34,750 SH   SOLE   0 0 34,750
APPLE INC COM 037833100   1,227,186 6,374 SH   SOLE   0 0 6,374
AUTOMATIC DATA PROCESSING IN COM 053015103   1,041,142 4,469 SH   SOLE   0 0 4,469
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   656,254 1,840 SH   SOLE   0 0 1,840
BOEING CO COM 097023105   225,601 865 SH   SOLE   0 0 865
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   1,981,782 39,477 SH   SOLE   0 0 39,477
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   735,233 14,769 SH   SOLE   0 0 14,769
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   386,192 1,877 SH   SOLE   0 0 1,877
THE CIGNA GROUP COM 125523100   204,224 682 SH   SOLE   0 0 682
CHEVRON CORP NEW COM 166764100   868,111 5,820 SH   SOLE   0 0 5,820
CHIMERA INVT CORP COM NEW 16934Q208   90,483 18,133 SH   SOLE   0 0 18,133
DENISON MINES CORP COM 248356107   17,700 10,000 SH   SOLE   0 0 10,000
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,495,437 44,975 SH   SOLE   0 0 44,975
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,043,671 36,441 SH   SOLE   0 0 36,441
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   7,551,938 313,228 SH   SOLE   0 0 313,228
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   427,488 11,485 SH   SOLE   0 0 11,485
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,030,185 41,273 SH   SOLE   0 0 41,273
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,240,996 26,398 SH   SOLE   0 0 26,398
EVERSOURCE ENERGY COM 30040W108   280,372 4,542 SH   SOLE   0 0 4,542
EXXON MOBIL CORP COM 30231G102   215,891 2,159 SH   SOLE   0 0 2,159
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   3,902,377 84,760 SH   SOLE   0 0 84,760
FLEXSHARES TR QUALT DIVD IDX 33939L860   375,671 6,105 SH   SOLE   0 0 6,105
ISHARES INC MSCI EMERG MRKT 464286533   795,518 14,310 SH   SOLE   0 0 14,310
ISHARES TR SHRT NAT MUN ETF 464288158   912,969 8,659 SH   SOLE   0 0 8,659
ISHARES TR EAFE SML CP ETF 464288273   15,960,653 257,845 SH   SOLE   0 0 257,845
ISHARES TR JPMORGAN USD EMG 464288281   1,697,490 19,060 SH   SOLE   0 0 19,060
ISHARES TR ISHS 1-5YR INVS 464288646   4,689,435 91,456 SH   SOLE   0 0 91,456
ISHARES TR MSCI EAFE MIN VL 46429B689   2,688,766 38,776 SH   SOLE   0 0 38,776
ISHARES TR MSCI USA MIN VOL 46429B697   5,624,836 72,085 SH   SOLE   0 0 72,085
ISHARES TR MSCI INTL MOMENT 46434V449   10,495,787 306,088 SH   SOLE   0 0 306,088
ISHARES TR MSCI US MOMENT 46432F396   754,433 4,808 SH   SOLE   0 0 4,808
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   295,671 5,827 SH   SOLE   0 0 5,827
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   22,534,967 493,254 SH   SOLE   0 0 493,254
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,169,726 23,287 SH   SOLE   0 0 23,287
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724   2,207,543 41,746 SH   SOLE   0 0 41,746
JOHNSON & JOHNSON COM 478160104   323,445 2,063 SH   SOLE   0 0 2,063
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   733,435 26,516 SH   SOLE   0 0 26,516
MARRIOTT INTL INC NEW CL A 571903202   257,532 1,142 SH   SOLE   0 0 1,142
MERCK & CO INC COM 58933Y105   1,653,506 15,167 SH   SOLE   0 0 15,167
NEW JERSEY RES CORP COM 646025106   295,226 6,622 SH   SOLE   0 0 6,622
NEW MTN FIN CORP COM 647551100   278,504 21,895 SH   SOLE   0 0 21,895
PROCTER AND GAMBLE CO COM 742718109   344,205 2,348 SH   SOLE   0 0 2,348
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   492,443 8,721 SH   SOLE   0 0 8,721
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,087,713 22,844 SH   SOLE   0 0 22,844
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   3,665,404 105,146 SH   SOLE   0 0 105,146
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   8,417,718 152,081 SH   SOLE   0 0 152,081
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   359,904 4,672 SH   SOLE   0 0 4,672
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   245,862 5,132 SH   SOLE   0 0 5,132
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   2,068,619 26,080 SH   SOLE   0 0 26,080
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,936,246 93,117 SH   SOLE   0 0 93,117
VANGUARD INDEX FDS VALUE ETF 922908744   16,756,989 112,086 SH   SOLE   0 0 112,086
VERIZON COMMUNICATIONS INC COM 92343V104   308,263 8,176 SH   SOLE   0 0 8,176
VERISK ANALYTICS INC COM 92345Y106   393,065 1,645 SH   SOLE   0 0 1,645
WISDOMTREE TR EMG MKTS SMCAP 97717W281   5,564,333 111,465 SH   SOLE   0 0 111,465
WISDOMTREE TR US SMALLCAP FUND 97717W562   14,110,812 283,235 SH   SOLE   0 0 283,235
CHUBB LIMITED COM H1467J104   407,322 1,802 SH   SOLE   0 0 1,802