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
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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
ABBVIE INC COM 00287Y109   230,139 1,263 SH   SOLE   0 0 1,263
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,277,253 39,287 SH   SOLE   0 0 39,287
APPLE INC COM 037833100   1,198,988 6,992 SH   SOLE   0 0 6,992
AUTOMATIC DATA PROCESSING IN COM 053015103   1,039,917 4,164 SH   SOLE   0 0 4,164
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   773,756 1,840 SH   SOLE   0 0 1,840
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   1,971,706 39,191 SH   SOLE   0 0 39,191
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   749,244 15,096 SH   SOLE   0 0 15,096
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   308,109 1,504 SH   SOLE   0 0 1,504
CHEVRON CORP NEW COM 166764100   918,046 5,820 SH   SOLE   0 0 5,820
CHIMERA INVT CORP COM NEW 16934Q208   83,593 18,133 SH   SOLE   0 0 18,133
CHUBB LIMITED COM H1467J104   467,876 1,805 SH   SOLE   0 0 1,805
DENISON MINES CORP COM 248356107   19,500 10,000 SH   SOLE   0 0 10,000
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   7,660,968 309,909 SH   SOLE   0 0 309,909
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,143,109 37,826 SH   SOLE   0 0 37,826
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,714,117 46,910 SH   SOLE   0 0 46,910
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,411,363 55,369 SH   SOLE   0 0 55,369
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,364,196 29,000 SH   SOLE   0 0 29,000
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   539,746 13,196 SH   SOLE   0 0 13,196
EVERSOURCE ENERGY COM 30040W108   271,514 4,542 SH   SOLE   0 0 4,542
EXXON MOBIL CORP COM 30231G102   251,002 2,159 SH   SOLE   0 0 2,159
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   4,022,631 88,781 SH   SOLE   0 0 88,781
FLEXSHARES TR QUALT DIVD IDX 33939L860   403,598 6,123 SH   SOLE   0 0 6,123
ISHARES INC MSCI EMERG MRKT 464286533   806,113 14,244 SH   SOLE   0 0 14,244
ISHARES TR MSCI EAFE MIN VL 46429B689   2,719,913 38,373 SH   SOLE   0 0 38,373
ISHARES TR JPMORGAN USD EMG 464288281   1,662,940 18,545 SH   SOLE   0 0 18,545
ISHARES TR ISHS 1-5YR INVS 464288646   4,970,683 96,932 SH   SOLE   0 0 96,932
ISHARES TR MSCI INTL MOMENT 46434V449   12,924,855 329,483 SH   SOLE   0 0 329,483
ISHARES TR CORE S&P500 ETF 464287200   210,824 401 SH   SOLE   0 0 401
ISHARES TR MSCI US MOMENT 46432F396   858,821 4,584 SH   SOLE   0 0 4,584
ISHARES TR EAFE SML CP ETF 464288273   16,195,190 255,727 SH   SOLE   0 0 255,727
ISHARES TR SHRT NAT MUN ETF 464288158   925,130 8,833 SH   SOLE   0 0 8,833
ISHARES TR MSCI USA MIN VOL 46429B697   5,773,913 69,082 SH   SOLE   0 0 69,082
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724   2,278,813 40,714 SH   SOLE   0 0 40,714
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   26,415,730 501,445 SH   SOLE   0 0 501,445
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   457,756 9,021 SH   SOLE   0 0 9,021
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,064,143 21,093 SH   SOLE   0 0 21,093
JOHNSON & JOHNSON COM 478160104   327,204 2,068 SH   SOLE   0 0 2,068
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   706,171 23,712 SH   SOLE   0 0 23,712
MARRIOTT INTL INC NEW CL A 571903202   288,138 1,142 SH   SOLE   0 0 1,142
MERCK & CO INC COM 58933Y105   2,002,737 15,178 SH   SOLE   0 0 15,178
MICROSOFT CORP COM 594918104   208,385 495 SH   SOLE   0 0 495
NEW JERSEY RES CORP COM 646025106   295,253 6,880 SH   SOLE   0 0 6,880
NEW MTN FIN CORP COM 647551100   277,409 21,895 SH   SOLE   0 0 21,895
PROCTER AND GAMBLE CO COM 742718109   381,257 2,349 SH   SOLE   0 0 2,349
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   9,400,974 164,856 SH   SOLE   0 0 164,856
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   4,672,858 131,750 SH   SOLE   0 0 131,750
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   508,386 9,110 SH   SOLE   0 0 9,110
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,047,323 22,302 SH   SOLE   0 0 22,302
TEXAS PACIFIC LAND CORPORATI COM 88262P102   216,941 375 SH   SOLE   0 0 375
THE CIGNA GROUP COM 125523100   247,695 682 SH   SOLE   0 0 682
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   389,012 5,073 SH   SOLE   0 0 5,073
VANGUARD INDEX FDS VALUE ETF 922908744   18,704,871 114,854 SH   SOLE   0 0 114,854
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   259,991 5,182 SH   SOLE   0 0 5,182
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,693,710 20,774 SH   SOLE   0 0 20,774
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,942,304 93,067 SH   SOLE   0 0 93,067
VERISK ANALYTICS INC COM 92345Y106   387,981 1,645 SH   SOLE   0 0 1,645
VERIZON COMMUNICATIONS INC COM 92343V104   353,176 8,416 SH   SOLE   0 0 8,416
WISDOMTREE TR EMG MKTS SMCAP 97717W281   5,816,015 114,353 SH   SOLE   0 0 114,353
WISDOMTREE TR US SMALLCAP FUND 97717W562   14,005,942 279,448 SH   SOLE   0 0 279,448