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
APPLE INC COM 037833100   4,856,447 25,224 SH   SOLE   0 0 25,224
ABBVIE INC COM 00287Y109   2,082,230 13,436 SH   SOLE   0 0 13,436
ABBOTT LABS COM 002824100   1,360,593 12,361 SH   SOLE   0 0 12,361
ANALOG DEVICES INC COM 032654105   442,506 2,229 SH   SOLE   0 0 2,229
AUTOMATIC DATA PROCESSING IN COM 053015103   2,898,043 12,440 SH   SOLE   0 0 12,440
AMERICAN ELEC PWR CO INC COM 025537101   441,268 5,433 SH   SOLE   0 0 5,433
APPLIED MATLS INC COM 038222105   2,132,983 13,161 SH   SOLE   0 0 13,161
AMGEN INC COM 031162100   1,391,718 4,832 SH   SOLE   0 0 4,832
AMAZON COM INC COM 023135106   749,064 4,930 SH   SOLE   0 0 4,930
AIR PRODS & CHEMS INC COM 009158106   220,957 807 SH   SOLE   0 0 807
AMERICAN EXPRESS CO COM 025816109   395,475 2,111 SH   SOLE   0 0 2,111
BANK AMERICA CORP COM 060505104   412,727 12,258 SH   SOLE   0 0 12,258
BOOKING HOLDINGS INC COM 09857L108   556,914 157 SH   SOLE   0 0 157
BLACKROCK INC COM 09247X101   532,569 656 SH   SOLE   0 0 656
BRISTOL-MYERS SQUIBB CO COM 110122108   355,014 6,919 SH   SOLE   0 0 6,919
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   425,697 2,069 SH   SOLE   0 0 2,069
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,982,034 8,361 SH   SOLE   0 0 8,361
BOSTON SCIENTIFIC CORP COM 101137107   460,746 7,970 SH   SOLE   0 0 7,970
CARRIER GLOBAL CORPORATION COM 14448C104   252,780 4,400 SH   SOLE   0 0 4,400
CATERPILLAR INC COM 149123101   668,779 2,262 SH   SOLE   0 0 2,262
CBOE GLOBAL MKTS INC COM 12503M108   357,120 2,000 SH   SOLE   0 0 2,000
CHECK POINT SOFTWARE TECH LT ORD M22465104   796,800 5,215 SH   SOLE   0 0 5,215
THE CIGNA GROUP COM 125523100   1,186,500 3,962 SH   SOLE   0 0 3,962
COLGATE PALMOLIVE CO COM 194162103   1,606,236 20,151 SH   SOLE   0 0 20,151
COTERRA ENERGY INC COM 127097103   483,961 18,964 SH   SOLE   0 0 18,964
CONOCOPHILLIPS COM 20825C104   380,942 3,282 SH   SOLE   0 0 3,282
CENCORA INC COM 03073E105   302,026 1,471 SH   SOLE   0 0 1,471
COSTCO WHSL CORP NEW COM 22160K105   914,211 1,385 SH   SOLE   0 0 1,385
CISCO SYS INC COM 17275R102   738,935 14,627 SH   SOLE   0 0 14,627
CSX CORP COM 126408103   870,217 25,100 SH   SOLE   0 0 25,100
CINTAS CORP COM 172908105   668,953 1,110 SH   SOLE   0 0 1,110
CVS HEALTH CORP COM 126650100   226,726 2,871 SH   SOLE   0 0 2,871
CHEVRON CORP NEW COM 166764100   856,477 5,742 SH   SOLE   0 0 5,742
DEERE & CO COM 244199105   397,640 994 SH   SOLE   0 0 994
DIAGEO PLC SPON ADR NEW 25243Q205   828,196 5,686 SH   SOLE   0 0 5,686
DISNEY WALT CO COM 254687106   781,832 8,659 SH   SOLE   0 0 8,659
ISHARES TR SELECT DIVID ETF 464287168   2,025,327 17,278 SH   SOLE   0 0 17,278
EBAY INC. COM 278642103   456,316 10,461 SH   SOLE   0 0 10,461
ISHARES TR MSCI EMG MKT ETF 464287234   23,322 580 SH   SOLE   0 0 580
ISHARES INC MSCI EMERG MRKT 464286533   543,392 9,775 SH   SOLE   0 0 9,775
ISHARES TR MSCI EAFE ETF 464287465   468,451 6,217 SH   SOLE   0 0 6,217
EQUIFAX INC COM 294429105   717,141 2,900 SH   SOLE   0 0 2,900
EDISON INTL COM 281020107   293,172 4,101 SH   SOLE   0 0 4,101
EMERSON ELEC CO COM 291011104   203,128 2,087 SH   SOLE   0 0 2,087
ENBRIDGE INC COM 29250N105   342,874 9,519 SH   SOLE   0 0 9,519
ISHARES INC MSCI PAC JP ETF 464286665   13,023 300 SH   SOLE   0 0 300
ISHARES INC MSCI BRAZIL ETF 464286400   34,960 1,000 SH   SOLE   0 0 1,000
EXPEDITORS INTL WASH INC COM 302130109   487,176 3,830 SH   SOLE   0 0 3,830
FIRST AMERN FINL CORP COM 31847R102   354,484 5,501 SH   SOLE   0 0 5,501
FASTENAL CO COM 311900104   569,976 8,800 SH   SOLE   0 0 8,800
FEDEX CORP COM 31428X106   423,472 1,674 SH   SOLE   0 0 1,674
FIFTH THIRD BANCORP COM 316773100   264,366 7,665 SH   SOLE   0 0 7,665
GENERAL DYNAMICS CORP COM 369550108   267,435 1,030 SH   SOLE   0 0 1,030
GENERAL ELECTRIC CO COM NEW 369604301   346,771 2,717 SH   SOLE   0 0 2,717
GILEAD SCIENCES INC COM 375558103   603,882 7,454 SH   SOLE   0 0 7,454
GENERAL MLS INC COM 370334104   372,992 5,726 SH   SOLE   0 0 5,726
SPDR GOLD TR GOLD SHS 78463V107   1,367,057 7,151 SH   SOLE   0 0 7,151
ALPHABET INC CAP STK CL C 02079K107   724,380 5,140 SH   SOLE   0 0 5,140
ALPHABET INC CAP STK CL A 02079K305   2,036,680 14,580 SH   SOLE   0 0 14,580
HANESBRANDS INC COM 410345102   48,947 10,975 SH   SOLE   0 0 10,975
HOME DEPOT INC COM 437076102   3,225,035 9,306 SH   SOLE   0 0 9,306
HONEYWELL INTL INC COM 438516106   302,402 1,442 SH   SOLE   0 0 1,442
ISHARES GOLD TR ISHARES NEW 464285204   582,015 14,912 SH   SOLE   0 0 14,912
ISHARES TR ISHARES BIOTECH 464287556   16,302 120 SH   SOLE   0 0 120
INTERNATIONAL BUSINESS MACHS COM 459200101   475,767 2,909 SH   SOLE   0 0 2,909
IDEXX LABS INC COM 45168D104   565,041 1,018 SH   SOLE   0 0 1,018
ISHARES TR EUROPE ETF 464287861   21,144 400 SH   SOLE   0 0 400
ISHARES TR CORE S&P MCP ETF 464287507   317,337 1,145 SH   SOLE   0 0 1,145
ISHARES TR CORE S&P SCP ETF 464287804   252,223 2,330 SH   SOLE   0 0 2,330
INTEL CORP COM 458140100   667,069 13,275 SH   SOLE   0 0 13,275
ILLINOIS TOOL WKS INC COM 452308109   643,835 2,458 SH   SOLE   0 0 2,458
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   10,941,463 125,504 SH   SOLE   0 0 125,504
ISHARES TR CORE S&P500 ETF 464287200   466,314 976 SH   SOLE   0 0 976
ISHARES TR RUS 1000 VAL ETF 464287598   33,050 200 SH   SOLE   0 0 200
ISHARES TR RUSSELL 2000 ETF 464287655   142,504 710 SH   SOLE   0 0 710
ISHARES TR U.S. ENERGY ETF 464287796   7,721 175 SH   SOLE   0 0 175
ISHARES TR US HLTHCARE ETF 464287762   14,312 50 SH   SOLE   0 0 50
JACOBS SOLUTIONS INC COM 46982L108   1,412,484 10,882 SH   SOLE   0 0 10,882
JOHNSON & JOHNSON COM 478160104   2,028,332 12,941 SH   SOLE   0 0 12,941
JPMORGAN CHASE & CO COM 46625H100   2,631,277 15,469 SH   SOLE   0 0 15,469
KIMBERLY-CLARK CORP COM 494368103   661,986 5,448 SH   SOLE   0 0 5,448
COCA COLA CO COM 191216100   1,011,770 17,169 SH   SOLE   0 0 17,169
KENVUE INC COM 49177J102   204,621 9,504 SH   SOLE   0 0 9,504
LINDE PLC SHS G54950103   599,637 1,460 SH   SOLE   0 0 1,460
ELI LILLY & CO COM 532457108   556,689 955 SH   SOLE   0 0 955
LOCKHEED MARTIN CORP COM 539830109   228,618 504 SH   SOLE   0 0 504
LOWES COS INC COM 548661107   1,820,579 8,181 SH   SOLE   0 0 8,181
MASTERCARD INCORPORATED CL A 57636Q104   810,417 1,900 SH   SOLE   0 0 1,900
MCDONALDS CORP COM 580135101   894,571 3,017 SH   SOLE   0 0 3,017
MEDTRONIC PLC SHS G5960L103   1,118,650 13,579 SH   SOLE   0 0 13,579
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   355,673 701 SH   SOLE   0 0 701
MERCADOLIBRE INC COM 58733R102   238,874 152 SH   SOLE   0 0 152
META PLATFORMS INC CL A 30303M102   354,520 2,090 SH   SOLE   0 0 2,090
MARSH & MCLENNAN COS INC COM 571748102   461,549 2,436 SH   SOLE   0 0 2,436
3M CO COM 88579Y101   468,637 4,287 SH   SOLE   0 0 4,287
ALTRIA GROUP INC COM 02209S103   233,367 5,785 SH   SOLE   0 0 5,785
MERCK & CO INC COM 58933Y105   210,643 1,932 SH   SOLE   0 0 1,932
MICROSOFT CORP COM 594918104   5,353,831 14,237 SH   SOLE   0 0 14,237
MSC INDL DIRECT INC CL A 553530106   489,491 4,834 SH   SOLE   0 0 4,834
NUVEEN AMT FREE QLTY MUN INC COM 670657105   259,094 23,554 SH   SOLE   0 0 23,554
NEW JERSEY RES CORP COM 646025106   280,676 6,296 SH   SOLE   0 0 6,296
NIKE INC CL B 654106103   872,253 8,034 SH   SOLE   0 0 8,034
NORFOLK SOUTHN CORP COM 655844108   724,088 3,063 SH   SOLE   0 0 3,063
NVIDIA CORPORATION COM 67066G104   455,602 920 SH   SOLE   0 0 920
NOVO-NORDISK A S ADR 670100205   1,120,364 10,830 SH   SOLE   0 0 10,830
NOVARTIS AG SPONSORED ADR 66987V109   1,387,328 13,740 SH   SOLE   0 0 13,740
ORACLE CORP COM 68389X105   430,682 4,085 SH   SOLE   0 0 4,085
OREILLY AUTOMOTIVE INC COM 67103H107   570,048 600 SH   SOLE   0 0 600
OTIS WORLDWIDE CORP COM 68902V107   355,554 3,974 SH   SOLE   0 0 3,974
PAYCHEX INC COM 704326107   243,500 2,044 SH   SOLE   0 0 2,044
PEPSICO INC COM 713448108   1,384,391 8,151 SH   SOLE   0 0 8,151
PFIZER INC COM 717081103   653,561 22,701 SH   SOLE   0 0 22,701
PROCTER AND GAMBLE CO COM 742718109   1,514,852 10,337 SH   SOLE   0 0 10,337
PAYPAL HLDGS INC COM 70450Y103   407,640 6,638 SH   SOLE   0 0 6,638
REGENERON PHARMACEUTICALS COM 75886F107   263,487 300 SH   SOLE   0 0 300
RTX CORPORATION COM 75513E101   622,047 7,393 SH   SOLE   0 0 7,393
SPDR SER TR DJ REIT ETF 78464A607   10,009 105 SH   SOLE   0 0 105
STARBUCKS CORP COM 855244109   457,551 4,766 SH   SOLE   0 0 4,766
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,448 200 SH   SOLE   0 0 200
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   19,485 350 SH   SOLE   0 0 350
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   190,325 2,500 SH   SOLE   0 0 2,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,696 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   12,444 150 SH   SOLE   0 0 150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   7,010 100 SH   SOLE   0 0 100
SCHWAB CHARLES CORP COM 808513105   376,025 5,465 SH   SOLE   0 0 5,465
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   48,899 867 SH   SOLE   0 0 867
SPDR SER TR S&P DIVID ETF 78464A763   1,887,720 15,105 SH   SOLE   0 0 15,105
SYNOPSYS INC COM 871607107   978,329 1,900 SH   SOLE   0 0 1,900
SOUTHERN CO COM 842587107   751,963 10,724 SH   SOLE   0 0 10,724
SPDR S&P 500 ETF TR TR UNIT 78462F103   698,230 1,469 SH   SOLE   0 0 1,469
CONSTELLATION BRANDS INC CL A 21036P108   1,367,096 5,655 SH   SOLE   0 0 5,655
STRYKER CORPORATION COM 863667101   639,347 2,135 SH   SOLE   0 0 2,135
SYSCO CORP COM 871829107   435,782 5,959 SH   SOLE   0 0 5,959
AT&T INC COM 00206R102   226,144 13,477 SH   SOLE   0 0 13,477
TARGET CORP COM 87612E106   564,268 3,962 SH   SOLE   0 0 3,962
TOYOTA MOTOR CORP ADS 892331307   269,935 1,472 SH   SOLE   0 0 1,472
THERMO FISHER SCIENTIFIC INC COM 883556102   232,486 438 SH   SOLE   0 0 438
TRIMBLE INC COM 896239100   266,000 5,000 SH   SOLE   0 0 5,000
TEXAS INSTRS INC COM 882508104   738,092 4,330 SH   SOLE   0 0 4,330
UNILEVER PLC SPON ADR NEW 904767704   727,217 15,000 SH   SOLE   0 0 15,000
UNITEDHEALTH GROUP INC COM 91324P102   239,544 455 SH   SOLE   0 0 455
UNION PAC CORP COM 907818108   1,235,469 5,030 SH   SOLE   0 0 5,030
UNITED PARCEL SERVICE INC CL B 911312106   1,493,697 9,500 SH   SOLE   0 0 9,500
US BANCORP DEL COM NEW 902973304   248,698 5,746 SH   SOLE   0 0 5,746
VISA INC COM CL A 92826C839   423,981 1,629 SH   SOLE   0 0 1,629
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,386 185 SH   SOLE   0 0 185
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   6,569,842 38,555 SH   SOLE   0 0 38,555
VULCAN MATLS CO COM 929160109   637,217 2,807 SH   SOLE   0 0 2,807
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,369,151 20,596 SH   SOLE   0 0 20,596
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   3,914,551 79,178 SH   SOLE   0 0 79,178
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   70,076 1,705 SH   SOLE   0 0 1,705
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,525,775 26,325 SH   SOLE   0 0 26,325
VERIZON COMMUNICATIONS INC COM 92343V104   243,278 6,453 SH   SOLE   0 0 6,453
WATERS CORP COM 941848103   909,333 2,762 SH   SOLE   0 0 2,762
WASTE MGMT INC DEL COM 94106L109   731,624 4,085 SH   SOLE   0 0 4,085
WALMART INC COM 931142103   1,168,055 7,409 SH   SOLE   0 0 7,409
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   307,944 3,600 SH   SOLE   0 0 3,600
SELECT SECTOR SPDR TR ENERGY 81369Y506   868,163 10,355 SH   SOLE   0 0 10,355
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,008,666 7,396 SH   SOLE   0 0 7,396
EXXON MOBIL CORP COM 30231G102   1,572,791 15,731 SH   SOLE   0 0 15,731
ZIMMER BIOMET HOLDINGS INC COM 98956P102   329,077 2,704 SH   SOLE   0 0 2,704
ZOETIS INC CL A 98978V103   690,400 3,498 SH   SOLE   0 0 3,498