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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   5,636,829 32,923 SH   SOLE   0 0 32,923
AUTOMATIC DATA PROCESSING IN COM 053015103   3,016,734 12,539 SH   SOLE   0 0 12,539
AMGEN INC COM 031162100   1,298,602 4,832 SH   SOLE   0 0 4,832
BRISTOL-MYERS SQUIBB CO COM 110122108   430,599 7,419 SH   SOLE   0 0 7,419
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,104,008 8,861 SH   SOLE   0 0 8,861
CARRIER GLOBAL CORPORATION COM 14448C104   242,880 4,400 SH   SOLE   0 0 4,400
CHECK POINT SOFTWARE TECH LT ORD M22465104   691,057 5,185 SH   SOLE   0 0 5,185
COLGATE PALMOLIVE CO COM 194162103   1,432,938 20,151 SH   SOLE   0 0 20,151
CENCORA INC COM 03073E105   264,640 1,470 SH   SOLE   0 0 1,470
CISCO SYS INC COM 17275R102   786,099 14,622 SH   SOLE   0 0 14,622
CSX CORP COM 126408103   771,825 25,100 SH   SOLE   0 0 25,100
CHEVRON CORP NEW COM 166764100   1,018,802 6,042 SH   SOLE   0 0 6,042
DIAGEO PLC SPON ADR NEW 25243Q205   877,622 5,883 SH   SOLE   0 0 5,883
EBAY INC. COM 278642103   483,267 10,961 SH   SOLE   0 0 10,961
ISHARES INC MSCI PAC JP ETF 464286665   11,934 300 SH   SOLE   0 0 300
EXPEDITORS INTL WASH INC COM 302130109   461,959 4,030 SH   SOLE   0 0 4,030
FASTENAL CO COM 311900104   546,400 10,000 SH   SOLE   0 0 10,000
GILEAD SCIENCES INC COM 375558103   618,268 8,250 SH   SOLE   0 0 8,250
ALPHABET INC CAP STK CL A 02079K305   2,418,293 18,480 SH   SOLE   0 0 18,480
HOME DEPOT INC COM 437076102   2,819,428 9,331 SH   SOLE   0 0 9,331
JACOBS SOLUTIONS INC COM 46982L108   1,485,393 10,882 SH   SOLE   0 0 10,882
JPMORGAN CHASE & CO COM 46625H100   2,278,844 15,714 SH   SOLE   0 0 15,714
COCA COLA CO COM 191216100   994,222 17,760 SH   SOLE   0 0 17,760
LINDE PLC SHS G54950103   543,631 1,460 SH   SOLE   0 0 1,460
MCDONALDS CORP COM 580135101   1,189,958 4,517 SH   SOLE   0 0 4,517
MEDTRONIC PLC SHS G5960L103   1,064,061 13,579 SH   SOLE   0 0 13,579
NORFOLK SOUTHN CORP COM 655844108   622,739 3,162 SH   SOLE   0 0 3,162
NVIDIA CORPORATION COM 67066G104   400,191 920 SH   SOLE   0 0 920
NOVO-NORDISK A S ADR 670100205   984,880 10,830 SH   SOLE   0 0 10,830
NOVARTIS AG SPONSORED ADR 66987V109   1,481,044 14,540 SH   SOLE   0 0 14,540
OTIS WORLDWIDE CORP COM 68902V107   319,152 3,974 SH   SOLE   0 0 3,974
PEPSICO INC COM 713448108   1,380,953 8,150 SH   SOLE   0 0 8,150
PFIZER INC COM 717081103   762,633 22,992 SH   SOLE   0 0 22,992
PROCTER AND GAMBLE CO COM 742718109   1,549,137 10,621 SH   SOLE   0 0 10,621
PAYPAL HLDGS INC COM 70450Y103   399,749 6,838 SH   SOLE   0 0 6,838
RTX CORPORATION COM 75513E101   532,074 7,393 SH   SOLE   0 0 7,393
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   176,900 2,500 SH   SOLE   0 0 2,500
SOUTHERN CO COM 842587107   713,158 11,019 SH   SOLE   0 0 11,019
TARGET CORP COM 87612E106   438,078 3,962 SH   SOLE   0 0 3,962
TOYOTA MOTOR CORP ADS 892331307   318,517 1,772 SH   SOLE   0 0 1,772
TRIMBLE INC COM 896239100   269,300 5,000 SH   SOLE   0 0 5,000
UNILEVER PLC SPON ADR NEW 904767704   740,988 15,000 SH   SOLE   0 0 15,000
UNION PAC CORP COM 907818108   1,166,800 5,730 SH   SOLE   0 0 5,730
UNITED PARCEL SERVICE INC CL B 911312106   1,527,128 9,797 SH   SOLE   0 0 9,797
WALMART INC COM 931142103   1,296,899 8,109 SH   SOLE   0 0 8,109
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   282,780 3,600 SH   SOLE   0 0 3,600
SELECT SECTOR SPDR TR ENERGY 81369Y506   917,910 10,155 SH   SOLE   0 0 10,155
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   952,161 7,396 SH   SOLE   0 0 7,396
ZOETIS INC CL A 98978V103   617,281 3,548 SH   SOLE   0 0 3,548
BOOKING HOLDINGS INC COM 09857L108   484,180 157 SH   SOLE   0 0 157
BLACKROCK INC COM 09247X101   423,821 656 SH   SOLE   0 0 656
CONOCOPHILLIPS COM 20825C104   393,184 3,282 SH   SOLE   0 0 3,282
FEDEX CORP COM 31428X106   443,476 1,674 SH   SOLE   0 0 1,674
IDEXX LABS INC COM 45168D104   445,141 1,018 SH   SOLE   0 0 1,018
KIMBERLY-CLARK CORP COM 494368103   658,391 5,448 SH   SOLE   0 0 5,448
MICROSOFT CORP COM 594918104   4,623,645 14,643 SH   SOLE   0 0 14,643
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   3,905,315 79,392 SH   SOLE   0 0 79,392
WATERS CORP COM 941848103   757,368 2,762 SH   SOLE   0 0 2,762
ANALOG DEVICES INC COM 032654105   390,182 2,228 SH   SOLE   0 0 2,228
APPLIED MATLS INC COM 038222105   1,822,074 13,161 SH   SOLE   0 0 13,161
AIR PRODS & CHEMS INC COM 009158106   223,603 789 SH   SOLE   0 0 789
THE CIGNA GROUP COM 125523100   1,279,661 4,473 SH   SOLE   0 0 4,473
COSTCO WHSL CORP NEW COM 22160K105   782,470 1,385 SH   SOLE   0 0 1,385
CVS HEALTH CORP COM 126650100   205,566 2,944 SH   SOLE   0 0 2,944
DISNEY WALT CO COM 254687106   701,821 8,659 SH   SOLE   0 0 8,659
EDISON INTL COM 281020107   259,257 4,096 SH   SOLE   0 0 4,096
FIRST AMERN FINL CORP COM 31847R102   310,751 5,501 SH   SOLE   0 0 5,501
INTEL CORP COM 458140100   486,146 13,675 SH   SOLE   0 0 13,675
JOHNSON & JOHNSON COM 478160104   2,289,839 14,702 SH   SOLE   0 0 14,702
KENVUE INC COM 49177J102   228,249 11,367 SH   SOLE   0 0 11,367
LOCKHEED MARTIN CORP COM 539830109   206,283 504 SH   SOLE   0 0 504
LOWES COS INC COM 548661107   1,907,730 9,179 SH   SOLE   0 0 9,179
MSC INDL DIRECT INC CL A 553530106   474,457 4,834 SH   SOLE   0 0 4,834
NIKE INC CL B 654106103   768,168 8,034 SH   SOLE   0 0 8,034
SCHWAB CHARLES CORP COM 808513105   299,971 5,464 SH   SOLE   0 0 5,464
STRYKER CORPORATION COM 863667101   583,431 2,135 SH   SOLE   0 0 2,135
THERMO FISHER SCIENTIFIC INC COM 883556102   221,702 438 SH   SOLE   0 0 438
EXXON MOBIL CORP COM 30231G102   1,848,842 15,724 SH   SOLE   0 0 15,724
ABBVIE INC COM 00287Y109   2,233,357 14,983 SH   SOLE   0 0 14,983
ABBOTT LABS COM 002824100   1,342,227 13,859 SH   SOLE   0 0 13,859
AMERICAN EXPRESS CO COM 025816109   314,940 2,111 SH   SOLE   0 0 2,111
GENERAL ELECTRIC CO COM NEW 369604301   303,791 2,748 SH   SOLE   0 0 2,748
SPDR GOLD TR GOLD SHS 78463V107   1,791,995 10,452 SH   SOLE   0 0 10,452
ELI LILLY & CO COM 532457108   512,959 955 SH   SOLE   0 0 955
META PLATFORMS INC CL A 30303M102   300,368 2,090 SH   SOLE   0 0 2,090
VULCAN MATLS CO COM 929160109   693,333 3,432 SH   SOLE   0 0 3,432
INTERNATIONAL BUSINESS MACHS COM 459200101   408,133 2,909 SH   SOLE   0 0 2,909
GENERAL DYNAMICS CORP COM 369550108   227,352 1,029 SH   SOLE   0 0 1,029
MASTERCARD INCORPORATED CL A 57636Q104   762,162 1,925 SH   SOLE   0 0 1,925
REGENERON PHARMACEUTICALS COM 75886F107   246,888 300 SH   SOLE   0 0 300
AT&T INC COM 00206R102   208,470 13,879 SH   SOLE   0 0 13,879
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   9,775,440 125,464 SH   SOLE   0 0 125,464
MERCK & CO INC COM 58933Y105   431,914 4,195 SH   SOLE   0 0 4,195
ENBRIDGE INC COM 29250N105   332,448 9,912 SH   SOLE   0 0 9,912
ALPHABET INC CAP STK CL C 02079K107   677,709 5,140 SH   SOLE   0 0 5,140
HANESBRANDS INC COM 410345102   43,460 10,975 SH   SOLE   0 0 10,975
ILLINOIS TOOL WKS INC COM 452308109   565,776 2,457 SH   SOLE   0 0 2,457
PAYCHEX INC COM 704326107   270,070 2,342 SH   SOLE   0 0 2,342
STARBUCKS CORP COM 855244109   434,719 4,763 SH   SOLE   0 0 4,763
VISA INC COM CL A 92826C839   374,425 1,628 SH   SOLE   0 0 1,628
CONSTELLATION BRANDS INC CL A 21036P108   1,421,271 5,655 SH   SOLE   0 0 5,655
SPDR SER TR S&P DIVID ETF 78464A763   1,756,518 15,273 SH   SOLE   0 0 15,273
DEERE & CO COM 244199105   375,238 994 SH   SOLE   0 0 994
TEXAS INSTRS INC COM 882508104   688,513 4,330 SH   SOLE   0 0 4,330
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,990,740 38,555 SH   SOLE   0 0 38,555
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,187,289 20,596 SH   SOLE   0 0 20,596
AMERICAN ELEC PWR CO INC COM 025537101   408,670 5,433 SH   SOLE   0 0 5,433
HERSHEY CO COM 427866108   206,483 1,032 SH   SOLE   0 0 1,032
ORACLE CORP COM 68389X105   432,683 4,085 SH   SOLE   0 0 4,085
SYSCO CORP COM 871829107   393,592 5,959 SH   SOLE   0 0 5,959
AMAZON COM INC COM 023135106   678,185 5,335 SH   SOLE   0 0 5,335
COTERRA ENERGY INC COM 127097103   512,976 18,964 SH   SOLE   0 0 18,964
ISHARES TR MSCI EAFE ETF 464287465   428,476 6,217 SH   SOLE   0 0 6,217
ISHARES GOLD TR ISHARES NEW 464285204   556,761 15,912 SH   SOLE   0 0 15,912
ALTRIA GROUP INC COM 02209S103   243,259 5,785 SH   SOLE   0 0 5,785
MODERNA INC COM 60770K107   239,116 2,315 SH   SOLE   0 0 2,315
OREILLY AUTOMOTIVE INC COM 67103H107   545,316 600 SH   SOLE   0 0 600
ISHARES TR ISHARES BIOTECH 464287556   63,591 520 SH   SOLE   0 0 520
ISHARES SILVER TR ISHARES 46428Q109   253,742 12,475 SH   SOLE   0 0 12,475
CATERPILLAR INC COM 149123101   617,455 2,262 SH   SOLE   0 0 2,262
3M CO COM 88579Y101   401,315 4,287 SH   SOLE   0 0 4,287
VERIZON COMMUNICATIONS INC COM 92343V104   216,920 6,693 SH   SOLE   0 0 6,693
WASTE MGMT INC DEL COM 94106L109   622,717 4,085 SH   SOLE   0 0 4,085
ZIMMER BIOMET HOLDINGS INC COM 98956P102   298,393 2,659 SH   SOLE   0 0 2,659
BOSTON SCIENTIFIC CORP COM 101137107   420,816 7,970 SH   SOLE   0 0 7,970
CINTAS CORP COM 172908105   533,921 1,110 SH   SOLE   0 0 1,110
ISHARES TR SELECT DIVID ETF 464287168   1,860,019 17,280 SH   SOLE   0 0 17,280
ISHARES TR MSCI EMG MKT ETF 464287234   22,011 580 SH   SOLE   0 0 580
NEW JERSEY RES CORP COM 646025106   255,781 6,295 SH   SOLE   0 0 6,295
EMERSON ELEC CO COM 291011104   206,370 2,137 SH   SOLE   0 0 2,137
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   373,593 7,262 SH   SOLE   0 0 7,262
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   370,454 2,069 SH   SOLE   0 0 2,069
CBOE GLOBAL MKTS INC COM 12503M108   312,420 2,000 SH   SOLE   0 0 2,000
ISHARES TR EUROPE ETF 464287861   19,092 400 SH   SOLE   0 0 400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   66,853 1,705 SH   SOLE   0 0 1,705
ISHARES TR U.S. ENERGY ETF 464287796   8,300 175 SH   SOLE   0 0 175
ISHARES TR US HLTHCARE ETF 464287762   13,504 50 SH   SOLE   0 0 50
GENERAL MLS INC COM 370334104   366,407 5,726 SH   SOLE   0 0 5,726
ISHARES TR RUS 1000 VAL ETF 464287598   30,364 200 SH   SOLE   0 0 200
ISHARES TR RUSSELL 2000 ETF 464287655   125,485 710 SH   SOLE   0 0 710
UNITEDHEALTH GROUP INC COM 91324P102   229,406 455 SH   SOLE   0 0 455
ISHARES TR CORE S&P MCP ETF 464287507   285,506 1,145 SH   SOLE   0 0 1,145
ISHARES TR CORE S&P500 ETF 464287200   419,256 976 SH   SOLE   0 0 976
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   320,105 701 SH   SOLE   0 0 701
NUVEEN AMT FREE QLTY MUN INC COM 670657105   228,003 23,554 SH   SOLE   0 0 23,554
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   8,284 200 SH   SOLE   0 0 200
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   17,448 350 SH   SOLE   0 0 350
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,396 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   10,908 150 SH   SOLE   0 0 150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   6,446 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,120 200 SH   SOLE   0 0 200
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,404,131 26,236 SH   SOLE   0 0 26,236
BANK AMERICA CORP COM 060505104   335,624 12,258 SH   SOLE   0 0 12,258
EQUIFAX INC COM 294429105   531,222 2,900 SH   SOLE   0 0 2,900
ISHARES INC MSCI BRAZIL ETF 464286400   30,670 1,000 SH   SOLE   0 0 1,000
MARSH & MCLENNAN COS INC COM 571748102   463,571 2,436 SH   SOLE   0 0 2,436
SYNOPSYS INC COM 871607107   872,043 1,900 SH   SOLE   0 0 1,900
HONEYWELL INTL INC COM 438516106   266,395 1,442 SH   SOLE   0 0 1,442
ISHARES TR CORE S&P SCP ETF 464287804   219,789 2,330 SH   SOLE   0 0 2,330
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   9,596 185 SH   SOLE   0 0 185
ISHARES INC MSCI EMERG MRKT 464286533   521,496 9,775 SH   SOLE   0 0 9,775