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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 381,054 2,391 SH   SOLE   0 0 2,391
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 344,176 3,318 SH   SOLE   0 0 3,318
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 258,024 2,481 SH   SOLE   0 0 2,481
AMAZON COM INC COM 023135106 BBG001S5PQL7 423,799 4,103 SH   SOLE   0 0 4,103
APPLE INC COM 037833100 BBG001S5N8V8 2,828,851 17,155 SH   SOLE   0 0 17,155
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 211,535 950 SH   SOLE   0 0 950
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 356,106 1,439 SH   SOLE   0 0 1,439
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 712,024 2,306 SH   SOLE   0 0 2,306
CATERPILLAR INC COM 149123101 BBG001S5PJ06 217,398 950 SH   SOLE   0 0 950
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 304,083 1,864 SH   SOLE   0 0 1,864
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 367,684 740 SH   SOLE   0 0 740
DEERE & CO COM 244199105 BBG001S5QFF7 737,817 1,787 SH   SOLE   0 0 1,787
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,348,730 57,695 SH   SOLE   0 0 57,695
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 865,155 35,241 SH   SOLE   0 0 35,241
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 1,870,522 43,675 SH   SOLE   0 0 43,675
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 4,605,063 142,881 SH   SOLE   0 0 142,881
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 246,682 10,730 SH   SOLE   0 0 10,730
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 2,800,165 117,629 SH   SOLE   0 0 117,629
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 587,134 27,321 SH   SOLE   0 0 27,321
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 1,945,770 78,049 SH   SOLE   0 0 78,049
EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 270,154 3,452 SH   SOLE   0 0 3,452
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,117,277 10,189 SH   SOLE   0 0 10,189
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 244,044 1,069 SH   SOLE   0 0 1,069
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 251,571 10,340 SH   SOLE   0 0 10,340
HERSHEY CO COM 427866108 BBG001S5S148 214,976 845 SH   SOLE   0 0 845
HOME DEPOT INC COM 437076102 BBG001S5RTW7 378,353 1,282 SH   SOLE   0 0 1,282
INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 1,966,534 84,338 SH   SOLE   0 0 84,338
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 580,345 17,475 SH   SOLE   0 0 17,475
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 285,446 2,177 SH   SOLE   0 0 2,177
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1,322,846 8,438 SH   SOLE   0 0 8,438
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 767,059 4,662 SH   SOLE   0 0 4,662
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 472,851 3,270 SH   SOLE   0 0 3,270
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,132,726 6,645 SH   SOLE   0 0 6,645
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 12,995,249 347,746 SH   SOLE   0 0 347,746
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,505,453 18,010 SH   SOLE   0 0 18,010
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,464,595 15,146 SH   SOLE   0 0 15,146
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 5,190,133 12,626 SH   SOLE   0 0 12,626
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,294,762 35,170 SH   SOLE   0 0 35,170
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,338,041 22,484 SH   SOLE   0 0 22,484
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3,558,555 129,449 SH   SOLE   0 0 129,449
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 480,761 5,572 SH   SOLE   0 0 5,572
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 353,575 2,850 SH   SOLE   0 0 2,850
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 1,925,147 17,868 SH   SOLE   0 0 17,868
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 10,067,518 157,576 SH   SOLE   0 0 157,576
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 3,782,404 24,924 SH   SOLE   0 0 24,924
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 10,365,026 144,945 SH   SOLE   0 0 144,945
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 11,953,883 116,317 SH   SOLE   0 0 116,317
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 10,236,170 93,107 SH   SOLE   0 0 93,107
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 251,641 2,147 SH   SOLE   0 0 2,147
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8,403,336 89,789 SH   SOLE   0 0 89,789
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,814,529 16,458 SH   SOLE   0 0 16,458
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 259,140 4,801 SH   SOLE   0 0 4,801
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 4,005,312 171,314 SH   SOLE   0 0 171,314
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,603,165 10,343 SH   SOLE   0 0 10,343
LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 1,007,232 64,401 SH   SOLE   0 0 64,401
LILLY ELI & CO COM 532457108 BBG001S5STL8 287,443 837 SH   SOLE   0 0 837
LOWES COS INC COM 548661107 BBG001S5SVL3 270,159 1,351 SH   SOLE   0 0 1,351
MCDONALDS CORP COM 580135101 BBG001S5T110 545,449 1,951 SH   SOLE   0 0 1,951
MERCK & CO INC COM 58933Y105 BBG001S5TC52 212,780 2,000 SH   SOLE   0 0 2,000
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 366,656 1,730 SH   SOLE   0 0 1,730
MICROSOFT CORP COM 594918104 BBG001S5TD05 746,045 2,588 SH   SOLE   0 0 2,588
PEPSICO INC COM 713448108 BBG001S695T1 515,744 2,829 SH   SOLE   0 0 2,829
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 369,197 2,483 SH   SOLE   0 0 2,483
REALTY INCOME CORP COM 756109104 BBG001S884K0 512,952 8,101 SH   SOLE   0 0 8,101
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 579,179 23,621 SH   SOLE   0 0 23,621
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 6,959,989 126,730 SH   SOLE   0 0 126,730
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2,561,140 77,306 SH   SOLE   0 0 77,306
SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1,252,446 13,138 SH   SOLE   0 0 13,138
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3,183,631 17,376 SH   SOLE   0 0 17,376
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,115,818 2,726 SH   SOLE   0 0 2,726
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 250,852 2,732 SH   SOLE   0 0 2,732
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 215,518 3,149 SH   SOLE   0 0 3,149
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 328,067 4,965 SH   SOLE   0 0 4,965
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 287,520 4,800 SH   SOLE   0 0 4,800
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 709,123 3,655 SH   SOLE   0 0 3,655
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 4,195,263 54,669 SH   SOLE   0 0 54,669
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 2,314,543 30,259 SH   SOLE   0 0 30,259
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 467,881 6,337 SH   SOLE   0 0 6,337
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,053,534 21,536 SH   SOLE   0 0 21,536
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 456,789 1,831 SH   SOLE   0 0 1,831
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,874,242 9,617 SH   SOLE   0 0 9,617
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 2,803,123 20,908 SH   SOLE   0 0 20,908
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 472,460 2,240 SH   SOLE   0 0 2,240
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,836,135 34,154 SH   SOLE   0 0 34,154
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,078,339 13,091 SH   SOLE   0 0 13,091
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,925,663 8,898 SH   SOLE   0 0 8,898
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 615,829 15,243 SH   SOLE   0 0 15,243
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 670,576 14,023 SH   SOLE   0 0 14,023
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 477,944 6,270 SH   SOLE   0 0 6,270
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 597,046 3,877 SH   SOLE   0 0 3,877
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,191,783 48,523 SH   SOLE   0 0 48,523
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 5,642,183 53,480 SH   SOLE   0 0 53,480
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 223,053 5,735 SH   SOLE   0 0 5,735
WEBSTER FINL CORP COM 947890109 BBG001S5XCP5 234,746 5,955 SH   SOLE   0 0 5,955
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1,561,671 34,105 SH   SOLE   0 0 34,105