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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 411 2,536 SH   SOLE   0 0 2,536
ALPHABET INC CAP STK CL A 02079K305 559 201 SH   SOLE   0 0 201
ALPHABET INC CAP STK CL C 02079K107 413 148 SH   SOLE   0 0 148
AMAZON COM INC COM 023135106 795 244 SH   SOLE   0 0 244
APPLE INC COM 037833100 2,633 15,081 SH   SOLE   0 0 15,081
AT&T INC COM 00206R102 201 8,524 SH   SOLE   0 0 8,524
ATHERSYS INC NEW COM 04744L106 10 17,000 SH   SOLE   0 0 17,000
AUTOMATIC DATA PROCESSING IN COM 053015103 244 1,070 SH   SOLE   0 0 1,070
BECTON DICKINSON & CO COM 075887109 386 1,450 SH   SOLE   0 0 1,450
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,048 2,971 SH   SOLE   0 0 2,971
CATERPILLAR INC COM 149123101 212 950 SH   SOLE   0 0 950
CHARLES RIV LABS INTL INC COM 159864107 212 745 SH   SOLE   0 0 745
CHEVRON CORP NEW COM 166764100 329 2,018 SH   SOLE   0 0 2,018
COSTCO WHSL CORP NEW COM 22160K105 468 813 SH   SOLE   0 0 813
CUMBERLAND PHARMACEUTICALS I COM 230770109 62 22,031 SH   SOLE   0 0 22,031
DEERE & CO COM 244199105 754 1,814 SH   SOLE   0 0 1,814
EXXON MOBIL CORP COM 30231G102 1,074 13,007 SH   SOLE   0 0 13,007
GENERAL DYNAMICS CORP COM 369550108 299 1,238 SH   SOLE   0 0 1,238
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 309 11,955 SH   SOLE   0 0 11,955
HOME DEPOT INC COM 437076102 384 1,282 SH   SOLE   0 0 1,282
INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 308 12,752 SH   SOLE   0 0 12,752
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 569 17,484 SH   SOLE   0 0 17,484
INTERNATIONAL BUSINESS MACHS COM 459200101 295 2,269 SH   SOLE   0 0 2,269
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 203 7,105 SH   SOLE   0 0 7,105
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,417 8,296 SH   SOLE   0 0 8,296
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 1,068 5,846 SH   SOLE   0 0 5,846
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 532 3,370 SH   SOLE   0 0 3,370
INVESCO QQQ TR UNIT SER 1 46090E103 969 2,673 SH   SOLE   0 0 2,673
ISHARES GOLD TR ISHARES NEW 464285204 9,945 270,026 SH   SOLE   0 0 270,026
ISHARES TR CORE S&P MCP ETF 464287507 5,756 21,452 SH   SOLE   0 0 21,452
ISHARES TR CORE S&P SCP ETF 464287804 1,952 18,093 SH   SOLE   0 0 18,093
ISHARES TR CORE S&P500 ETF 464287200 5,287 11,653 SH   SOLE   0 0 11,653
ISHARES TR EAFE GRWTH ETF 464288885 2,307 23,961 SH   SOLE   0 0 23,961
ISHARES TR EAFE SML CP ETF 464288273 1,165 17,559 SH   SOLE   0 0 17,559
ISHARES TR INTL SEL DIV ETF 464288448 4,832 152,140 SH   SOLE   0 0 152,140
ISHARES TR JPMORGAN USD EMG 464288281 626 6,400 SH   SOLE   0 0 6,400
ISHARES TR MSCI USA QLT FCT 46432F339 582 4,320 SH   SOLE   0 0 4,320
ISHARES TR NATIONAL MUN ETF 464288414 395 3,605 SH   SOLE   0 0 3,605
ISHARES TR PFD AND INCM SEC 464288687 709 19,465 SH   SOLE   0 0 19,465
ISHARES TR S&P 500 GRWT ETF 464287309 9,712 127,160 SH   SOLE   0 0 127,160
ISHARES TR S&P 500 VAL ETF 464287408 4,166 26,752 SH   SOLE   0 0 26,752
ISHARES TR S&P MC 400GR ETF 464287606 9,366 121,205 SH   SOLE   0 0 121,205
ISHARES TR S&P MC 400VL ETF 464287705 10,615 96,815 SH   SOLE   0 0 96,815
ISHARES TR S&P SML 600 GWT 464287887 9,079 72,574 SH   SOLE   0 0 72,574
ISHARES TR SELECT DIVID ETF 464287168 285 2,226 SH   SOLE   0 0 2,226
ISHARES TR SP SMCP600VL ETF 464287879 8,663 84,606 SH   SOLE   0 0 84,606
ISHARES TR TIPS BD ETF 464287176 316 2,540 SH   SOLE   0 0 2,540
ISHARES TR U.S. MED DVC ETF 464288810 292 4,789 SH   SOLE   0 0 4,789
ISHARES TR US TREAS BD ETF 46429B267 716 28,737 SH   SOLE   0 0 28,737
JOHNSON & JOHNSON COM 478160104 2,191 12,364 SH   SOLE   0 0 12,364
JPMORGAN CHASE & CO COM 46625H100 238 1,749 SH   SOLE   0 0 1,749
LAKELAND BANCORP INC COM 511637100 1,144 68,483 SH   SOLE   0 0 68,483
LILLY ELI & CO COM 532457108 244 851 SH   SOLE   0 0 851
LOWES COS INC COM 548661107 292 1,445 SH   SOLE   0 0 1,445
MCDONALDS CORP COM 580135101 488 1,972 SH   SOLE   0 0 1,972
MERCK & CO INC COM 58933Y105 207 2,527 SH   SOLE   0 0 2,527
META PLATFORMS INC CL A 30303M102 389 1,748 SH   SOLE   0 0 1,748
MICROSOFT CORP COM 594918104 894 2,899 SH   SOLE   0 0 2,899
NORFOLK SOUTHN CORP COM 655844108 247 866 SH   SOLE   0 0 866
PEPSICO INC COM 713448108 491 2,934 SH   SOLE   0 0 2,934
PROCTER AND GAMBLE CO COM 742718109 358 2,341 SH   SOLE   0 0 2,341
PRUDENTIAL FINL INC COM 744320102 273 2,306 SH   SOLE   0 0 2,306
REALTY INCOME CORP COM 756109104 660 9,527 SH   SOLE   0 0 9,527
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 536 19,297 SH   SOLE   0 0 19,297
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,965 101,963 SH   SOLE   0 0 101,963
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,982 84,287 SH   SOLE   0 0 84,287
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 201 2,548 SH   SOLE   0 0 2,548
SELECTIVE INS GROUP INC COM 816300107 1,274 14,258 SH   SOLE   0 0 14,258
SPDR GOLD TR GOLD SHS 78463V107 3,471 19,212 SH   SOLE   0 0 19,212
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,258 2,785 SH   SOLE   0 0 2,785
SPDR SER TR PORTFOLIO AGRGTE 78464A649 361 13,001 SH   SOLE   0 0 13,001
SPDR SER TR S&P 400 MDCP VAL 78464A839 358 5,080 SH   SOLE   0 0 5,080
SPDR SER TR S&P DIVID ETF 78464A763 225 1,753 SH   SOLE   0 0 1,753
TESLA INC COM 88160R101 339 315 SH   SOLE   0 0 315
TORONTO DOMINION BK ONT COM NEW 891160509 381 4,800 SH   SOLE   0 0 4,800
UNION PAC CORP COM 907818108 316 1,158 SH   SOLE   0 0 1,158
UNITED PARCEL SERVICE INC CL B 911312106 703 3,277 SH   SOLE   0 0 3,277
VANGUARD BD INDEX FDS INTERMED TERM 921937819 556 6,788 SH   SOLE   0 0 6,788
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 357 4,586 SH   SOLE   0 0 4,586
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,486 47,410 SH   SOLE   0 0 47,410
VANGUARD INDEX FDS GROWTH ETF 922908736 269 934 SH   SOLE   0 0 934
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,798 8,068 SH   SOLE   0 0 8,068
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,587 17,287 SH   SOLE   0 0 17,287
VANGUARD INDEX FDS MID CAP ETF 922908629 669 2,813 SH   SOLE   0 0 2,813
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,584 33,071 SH   SOLE   0 0 33,071
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,453 13,940 SH   SOLE   0 0 13,940
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,522 6,135 SH   SOLE   0 0 6,135
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 792 17,163 SH   SOLE   0 0 17,163
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 213 2,725 SH   SOLE   0 0 2,725
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 786 4,847 SH   SOLE   0 0 4,847
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,534 94,397 SH   SOLE   0 0 94,397
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,525 40,309 SH   SOLE   0 0 40,309
VERIZON COMMUNICATIONS INC COM 92343V104 287 5,639 SH   SOLE   0 0 5,639
WEBSTER FINL CORP COM 947890109 334 5,955 SH   SOLE   0 0 5,955
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,665 31,229 SH   SOLE   0 0 31,229