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   725,264 7,246 SH   SOLE   0 0 7,246
AT&T INC COM 00206R102   221,256 13,872 SH   SOLE   0 0 13,872
ABBOTT LABS COM 002824100   1,510,648 13,857 SH   SOLE   0 0 13,857
ABBVIE INC COM 00287Y109   2,018,241 14,980 SH   SOLE   0 0 14,980
AIR PRODS & CHEMS INC COM 009158106   215,362 719 SH   SOLE   0 0 719
ALPHABET INC CAP STK CL A 02079K305   2,212,056 18,480 SH   SOLE   0 0 18,480
ALPHABET INC CAP STK CL C 02079K107   621,785 5,140 SH   SOLE   0 0 5,140
ALTRIA GROUP INC COM 02209S103   262,060 5,785 SH   SOLE   0 0 5,785
AMAZON COM INC COM 023135106   695,470 5,335 SH   SOLE   0 0 5,335
AMERICAN ELEC PWR CO INC COM 025537101   457,458 5,433 SH   SOLE   0 0 5,433
AMERICAN EXPRESS CO COM 025816109   367,736 2,111 SH   SOLE   0 0 2,111
AMERISOURCEBERGEN CORP COM 03073E105   282,941 1,470 SH   SOLE   0 0 1,470
AMGEN INC COM 031162100   1,072,717 4,832 SH   SOLE   0 0 4,832
ANALOG DEVICES INC COM 032654105   434,103 2,228 SH   SOLE   0 0 2,228
APPLE INC COM 037833100   6,288,995 32,423 SH   SOLE   0 0 32,423
APPLIED MATLS INC COM 038222105   1,981,948 13,712 SH   SOLE   0 0 13,712
AUTOMATIC DATA PROCESSING IN COM 053015103   2,777,986 12,639 SH   SOLE   0 0 12,639
BANK AMERICA CORP COM 060505104   351,682 12,258 SH   SOLE   0 0 12,258
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,038,310 8,910 SH   SOLE   0 0 8,910
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   347,762 7,213 SH   SOLE   0 0 7,213
BLACKROCK INC COM 09247X101   452,702 655 SH   SOLE   0 0 655
BOOKING HOLDINGS INC COM 09857L108   423,951 157 SH   SOLE   0 0 157
BOSTON SCIENTIFIC CORP COM 101137107   431,097 7,970 SH   SOLE   0 0 7,970
BRISTOL-MYERS SQUIBB CO COM 110122108   480,840 7,519 SH   SOLE   0 0 7,519
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   342,688 2,069 SH   SOLE   0 0 2,069
CARRIER GLOBAL CORPORATION COM 14448C104   218,724 4,400 SH   SOLE   0 0 4,400
CATERPILLAR INC COM 149123101   573,686 2,332 SH   SOLE   0 0 2,332
CBOE GLOBAL MKTS INC COM 12503M108   276,020 2,000 SH   SOLE   0 0 2,000
SCHWAB CHARLES CORP COM 808513105   309,614 5,462 SH   SOLE   0 0 5,462
CHECK POINT SOFTWARE TECH LT ORD M22465104   651,339 5,185 SH   SOLE   0 0 5,185
CHEVRON CORP NEW COM 166764100   950,708 6,042 SH   SOLE   0 0 6,042
THE CIGNA GROUP COM 125523100   1,255,185 4,473 SH   SOLE   0 0 4,473
CINTAS CORP COM 172908105   576,612 1,160 SH   SOLE   0 0 1,160
CISCO SYS INC COM 17275R102   756,353 14,618 SH   SOLE   0 0 14,618
COCA COLA CO COM 191216100   1,069,283 17,756 SH   SOLE   0 0 17,756
COLGATE PALMOLIVE CO COM 194162103   1,552,433 20,151 SH   SOLE   0 0 20,151
CONOCOPHILLIPS COM 20825C104   340,048 3,282 SH   SOLE   0 0 3,282
CONSTELLATION BRANDS INC CL A 21036P108   1,391,865 5,655 SH   SOLE   0 0 5,655
COTERRA ENERGY INC COM 127097103   479,789 18,964 SH   SOLE   0 0 18,964
COSTCO WHSL CORP NEW COM 22160K105   745,656 1,385 SH   SOLE   0 0 1,385
CSX CORP COM 126408103   855,910 25,100 SH   SOLE   0 0 25,100
CVS HEALTH CORP COM 126650100   203,399 2,942 SH   SOLE   0 0 2,942
DEERE & CO COM 244199105   402,858 994 SH   SOLE   0 0 994
DIAGEO PLC SPON ADR NEW 25243Q205   1,043,131 6,013 SH   SOLE   0 0 6,013
DISNEY WALT CO COM 254687106   773,085 8,659 SH   SOLE   0 0 8,659
SPDR SER TR DJ REIT ETF 78464A607   9,496 105 SH   SOLE   0 0 105
EBAY INC. COM 278642103   489,833 10,961 SH   SOLE   0 0 10,961
EDISON INTL COM 281020107   284,212 4,092 SH   SOLE   0 0 4,092
LILLY ELI & CO COM 532457108   447,875 955 SH   SOLE   0 0 955
ENBRIDGE INC COM 29250N105   376,440 10,133 SH   SOLE   0 0 10,133
EQUIFAX INC COM 294429105   682,370 2,900 SH   SOLE   0 0 2,900
EXPEDITORS INTL WASH INC COM 302130109   488,153 4,030 SH   SOLE   0 0 4,030
EXXON MOBIL CORP COM 30231G102   1,685,817 15,719 SH   SOLE   0 0 15,719
META PLATFORMS INC CL A 30303M102   288,613 2,090 SH   SOLE   0 0 2,090
FASTENAL CO COM 311900104   589,900 10,000 SH   SOLE   0 0 10,000
FEDEX CORP COM 31428X106   427,379 1,724 SH   SOLE   0 0 1,724
FIFTH THIRD BANCORP COM 316773100   200,899 7,665 SH   SOLE   0 0 7,665
FIRST AMERN FINL CORP COM 31847R102   325,071 5,701 SH   SOLE   0 0 5,701
GENERAL DYNAMICS CORP COM 369550108   221,129 1,028 SH   SOLE   0 0 1,028
GENERAL ELECTRIC CO COM NEW 369604301   301,867 2,748 SH   SOLE   0 0 2,748
GENERAL MLS INC COM 370334104   439,184 5,726 SH   SOLE   0 0 5,726
GILEAD SCIENCES INC COM 375558103   635,494 8,246 SH   SOLE   0 0 8,246
JACOBS SOLUTIONS INC COM 46982L108   1,293,760 10,882 SH   SOLE   0 0 10,882
HANESBRANDS INC COM 410345102   49,825 10,975 SH   SOLE   0 0 10,975
HERSHEY CO COM 427866108   257,690 1,032 SH   SOLE   0 0 1,032
HOME DEPOT INC COM 437076102   2,920,230 9,401 SH   SOLE   0 0 9,401
HONEYWELL INTL INC COM 438516106   299,215 1,442 SH   SOLE   0 0 1,442
IDEXX LABS INC COM 45168D104   511,270 1,018 SH   SOLE   0 0 1,018
ILLINOIS TOOL WKS INC COM 452308109   614,241 2,455 SH   SOLE   0 0 2,455
INTEL CORP COM 458140100   469,832 14,050 SH   SOLE   0 0 14,050
INTERNATIONAL BUSINESS MACHS COM 459200101   389,253 2,909 SH   SOLE   0 0 2,909
ISHARES TR MSCI EAFE ETF 464287465   450,732 6,217 SH   SOLE   0 0 6,217
ISHARES TR SELECT DIVID ETF 464287168   1,957,824 17,280 SH   SOLE   0 0 17,280
ISHARES GOLD TR ISHARES NEW 464285204   579,037 15,912 SH   SOLE   0 0 15,912
ISHARES INC MSCI BRAZIL ETF 464286400   32,430 1,000 SH   SOLE   0 0 1,000
ISHARES TR MSCI EMG MKT ETF 464287234   22,944 580 SH   SOLE   0 0 580
ISHARES INC MSCI PAC JP ETF 464286665   12,672 300 SH   SOLE   0 0 300
ISHARES TR EUROPE ETF 464287861   20,216 400 SH   SOLE   0 0 400
ISHARES SILVER TR ISHARES 46428Q109   260,602 12,475 SH   SOLE   0 0 12,475
ISHARES TR US HLTHCARE ETF 464287762   14,012 50 SH   SOLE   0 0 50
ISHARES TR ISHARES BIOTECH 464287556   66,019 520 SH   SOLE   0 0 520
ISHARES TR U.S. ENERGY ETF 464287796   7,497 175 SH   SOLE   0 0 175
ISHARES TR RUS 1000 VAL ETF 464287598   31,566 200 SH   SOLE   0 0 200
ISHARES TR RUSSELL 2000 ETF 464287655   132,961 710 SH   SOLE   0 0 710
ISHARES TR CORE S&P500 ETF 464287200   435,150 976 SH   SOLE   0 0 976
ISHARES TR CORE S&P MCP ETF 464287507   299,394 1,145 SH   SOLE   0 0 1,145
ISHARES TR CORE S&P SCP ETF 464287804   232,184 2,330 SH   SOLE   0 0 2,330
ISHARES INC MSCI EMERG MRKT 464286533   537,429 9,775 SH   SOLE   0 0 9,775
JOHNSON & JOHNSON COM 478160104   2,666,935 16,112 SH   SOLE   0 0 16,112
JPMORGAN CHASE & CO COM 46625H100   2,285,444 15,714 SH   SOLE   0 0 15,714
LINDE PLC SHS G54950103   556,376 1,460 SH   SOLE   0 0 1,460
LOCKHEED MARTIN CORP COM 539830109   232,148 504 SH   SOLE   0 0 504
LOWES COS INC COM 548661107   2,101,802 9,312 SH   SOLE   0 0 9,312
MARSH & MCLENNAN COS INC COM 571748102   458,162 2,436 SH   SOLE   0 0 2,436
MASTERCARD INCORPORATED CL A 57636Q104   757,129 1,925 SH   SOLE   0 0 1,925
MCDONALDS CORP COM 580135101   1,347,917 4,517 SH   SOLE   0 0 4,517
MEDTRONIC PLC SHS G5960L103   1,196,322 13,579 SH   SOLE   0 0 13,579
MERCK & CO INC COM 58933Y105   483,582 4,191 SH   SOLE   0 0 4,191
MICROSOFT CORP COM 594918104   5,020,357 14,742 SH   SOLE   0 0 14,742
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   335,715 701 SH   SOLE   0 0 701
MODERNA INC COM 60770K107   281,272 2,315 SH   SOLE   0 0 2,315
MSC INDL DIRECT INC CL A 553530106   460,583 4,834 SH   SOLE   0 0 4,834
NEW JERSEY RES CORP COM 646025106   297,118 6,295 SH   SOLE   0 0 6,295
NIKE INC CL B 654106103   886,615 8,033 SH   SOLE   0 0 8,033
NORFOLK SOUTHN CORP COM 655844108   716,841 3,161 SH   SOLE   0 0 3,161
NOVARTIS AG SPONSORED ADR 66987V109   1,477,322 14,640 SH   SOLE   0 0 14,640
NOVO-NORDISK A S ADR 670100205   876,309 5,415 SH   SOLE   0 0 5,415
NUVEEN AMT FREE QLTY MUN INC COM 670657105   257,445 23,554 SH   SOLE   0 0 23,554
NVIDIA CORPORATION COM 67066G104   389,178 920 SH   SOLE   0 0 920
OREILLY AUTOMOTIVE INC COM 67103H107   573,180 600 SH   SOLE   0 0 600
ORACLE CORP COM 68389X105   522,805 4,390 SH   SOLE   0 0 4,390
OTIS WORLDWIDE CORP COM 68902V107   353,725 3,974 SH   SOLE   0 0 3,974
PAYCHEX INC COM 704326107   261,677 2,339 SH   SOLE   0 0 2,339
PAYPAL HLDGS INC COM 70450Y103   456,299 6,838 SH   SOLE   0 0 6,838
PEPSICO INC COM 713448108   1,517,720 8,194 SH   SOLE   0 0 8,194
PFIZER INC COM 717081103   843,294 22,991 SH   SOLE   0 0 22,991
PROCTER AND GAMBLE CO COM 742718109   1,620,446 10,679 SH   SOLE   0 0 10,679
RAYTHEON TECHNOLOGIES CORP COM 75513E101   724,218 7,393 SH   SOLE   0 0 7,393
REGENERON PHARMACEUTICALS COM 75886F107   215,562 300 SH   SOLE   0 0 300
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   181,550 2,500 SH   SOLE   0 0 2,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,565 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   18,095 350 SH   SOLE   0 0 350
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,474 200 SH   SOLE   0 0 200
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   11,242 150 SH   SOLE   0 0 150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,709 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,760 200 SH   SOLE   0 0 200
SELECT SECTOR SPDR TR ENERGY 81369Y506   824,281 10,155 SH   SOLE   0 0 10,155
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   981,671 7,396 SH   SOLE   0 0 7,396
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   298,332 3,600 SH   SOLE   0 0 3,600
SPDR SER TR S&P DIVID ETF 78464A763   1,871,861 15,271 SH   SOLE   0 0 15,271
SPDR S&P 500 ETF TR TR UNIT 78462F103   651,621 1,470 SH   SOLE   0 0 1,470
STARBUCKS CORP COM 855244109   471,564 4,760 SH   SOLE   0 0 4,760
SPDR GOLD TR GOLD SHS 78463V107   1,863,278 10,452 SH   SOLE   0 0 10,452
STRYKER CORPORATION COM 863667101   651,367 2,135 SH   SOLE   0 0 2,135
SYNOPSYS INC COM 871607107   827,279 1,900 SH   SOLE   0 0 1,900
SYSCO CORP COM 871829107   442,157 5,959 SH   SOLE   0 0 5,959
TARGET CORP COM 87612E106   522,587 3,962 SH   SOLE   0 0 3,962
TEXAS INSTRS INC COM 882508104   779,486 4,330 SH   SOLE   0 0 4,330
SOUTHERN CO COM 842587107   773,732 11,014 SH   SOLE   0 0 11,014
THERMO FISHER SCIENTIFIC INC COM 883556102   228,526 438 SH   SOLE   0 0 438
TOYOTA MOTOR CORP ADS 892331307   284,849 1,772 SH   SOLE   0 0 1,772
TRIMBLE INC COM 896239100   264,700 5,000 SH   SOLE   0 0 5,000
UNILEVER PLC SPON ADR NEW 904767704   781,907 14,999 SH   SOLE   0 0 14,999
UNION PAC CORP COM 907818108   1,172,472 5,730 SH   SOLE   0 0 5,730
UNITEDHEALTH GROUP INC COM 91324P102   218,691 455 SH   SOLE   0 0 455
UNITED PARCEL SERVICE INC CL B 911312106   1,755,771 9,795 SH   SOLE   0 0 9,795
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,275,439 20,596 SH   SOLE   0 0 20,596
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,262,555 38,555 SH   SOLE   0 0 38,555
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   69,359 1,705 SH   SOLE   0 0 1,705
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,065 185 SH   SOLE   0 0 185
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   10,338,412 125,589 SH   SOLE   0 0 125,589
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,471,293 26,236 SH   SOLE   0 0 26,236
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   4,457,308 90,669 SH   SOLE   0 0 90,669
VERIZON COMMUNICATIONS INC COM 92343V104   248,912 6,693 SH   SOLE   0 0 6,693
VISA INC COM CL A 92826C839   386,449 1,627 SH   SOLE   0 0 1,627
VULCAN MATLS CO COM 929160109   807,526 3,582 SH   SOLE   0 0 3,582
WALMART INC COM 931142103   1,290,176 8,208 SH   SOLE   0 0 8,208
WASTE MGMT INC DEL COM 94106L109   708,420 4,085 SH   SOLE   0 0 4,085
WATERS CORP COM 941848103   736,183 2,762 SH   SOLE   0 0 2,762
ZIMMER BIOMET HOLDINGS INC COM 98956P102   387,150 2,659 SH   SOLE   0 0 2,659
ZOETIS INC CL A 98978V103   611,001 3,548 SH   SOLE   0 0 3,548