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 339,694 2,192 SH   SOLE   0 0 2,192
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 504,141 3,609 SH   SOLE   0 0 3,609
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 294,685 2,091 SH   SOLE   0 0 2,091
AMAZON COM INC COM 023135106 BBG001S5PQL7 538,779 3,546 SH   SOLE   0 0 3,546
APPLE INC COM 037833100 BBG001S5N8V8 2,982,242 15,490 SH   SOLE   0 0 15,490
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 221,359 950 SH   SOLE   0 0 950
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 994,961 4,081 SH   SOLE   0 0 4,081
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 919,826 2,579 SH   SOLE   0 0 2,579
BLACKROCK ENHANCED EQUITY DI COM 09251A104 BBG001SK5462 106,360 13,831 SH   SOLE   0 0 13,831
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 287,250 5,000 SH   SOLE   0 0 5,000
CATERPILLAR INC COM 149123101 BBG001S5PJ06 248,658 841 SH   SOLE   0 0 841
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 240,403 1,612 SH   SOLE   0 0 1,612
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 603,313 914 SH   SOLE   0 0 914
DEERE & CO COM 244199105 BBG001S5QFF7 721,765 1,805 SH   SOLE   0 0 1,805
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 2,576,108 102,227 SH   SOLE   0 0 102,227
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 2,259,216 86,960 SH   SOLE   2,273 0 84,687
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 3,242,117 78,540 SH   SOLE   0 0 78,540
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 7,794,387 226,845 SH   SOLE   617 0 226,228
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 319,897 13,235 SH   SOLE   0 0 13,235
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 4,455,605 172,798 SH   SOLE   1,718 0 171,080
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 1,149,067 50,531 SH   SOLE   0 0 50,531
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 4,128,220 141,766 SH   SOLE   0 0 141,766
ELI LILLY & CO COM 532457108 BBG001S5STL8 499,585 857 SH   SOLE   0 0 857
EVERSOURCE ENERGY COM 30040W108 BBG001S5TRL1 213,057 3,452 SH   SOLE   0 0 3,452
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,112,876 11,131 SH   SOLE   0 0 11,131
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 281,622 1,085 SH   SOLE   0 0 1,085
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 252,592 9,746 SH   SOLE   0 0 9,746
HOME DEPOT INC COM 437076102 BBG001S5RTW7 488,172 1,409 SH   SOLE   0 0 1,409
INNOVATOR ETFS TR US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 4,029,482 156,424 SH   SOLE   1,988 0 154,436
INNOVATOR ETFS TR US EQT ULTRA BF 45782C672 BBG00PVP3G50 259,630 8,446 SH   SOLE   0 0 8,446
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 BBG00MYXKL20 622,243 16,709 SH   SOLE   0 0 16,709
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 384,911 2,353 SH   SOLE   0 0 2,353
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 213,012 7,451 SH   SOLE   0 0 7,451
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1,390,135 39,492 SH   SOLE   0 0 39,492
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 747,200 19,931 SH   SOLE   0 0 19,931
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 510,895 3,238 SH   SOLE   0 0 3,238
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 2,758,095 6,735 SH   SOLE   0 0 6,735
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 13,494,252 345,741 SH   SOLE   1,462 0 344,279
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,551,562 16,423 SH   SOLE   0 0 16,423
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,380,340 12,751 SH   SOLE   0 0 12,751
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 6,309,377 13,210 SH   SOLE   0 0 13,210
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 3,755,315 38,775 SH   SOLE   0 0 38,775
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,492,104 24,105 SH   SOLE   0 0 24,105
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3,398,227 121,409 SH   SOLE   717 0 120,692
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 396,769 4,455 SH   SOLE   0 0 4,455
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 375,487 2,552 SH   SOLE   0 0 2,552
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 3,013,540 27,798 SH   SOLE   0 0 27,798
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 12,969,039 172,690 SH   SOLE   673 0 172,017
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 4,331,034 24,907 SH   SOLE   321 0 24,586
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 12,596,872 159,011 SH   SOLE   0 0 159,011
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 14,582,884 127,875 SH   SOLE   0 0 127,875
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 13,544,932 108,238 SH   SOLE   0 0 108,238
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 253,745 2,165 SH   SOLE   0 0 2,165
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8,917,271 86,517 SH   SOLE   0 0 86,517
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,890,415 17,587 SH   SOLE   0 0 17,587
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 266,711 4,942 SH   SOLE   0 0 4,942
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 3,620,815 157,153 SH   SOLE   0 0 157,153
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,627,431 10,383 SH   SOLE   0 0 10,383
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 222,151 1,306 SH   SOLE   0 0 1,306
LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 933,264 63,101 SH   SOLE   0 0 63,101
LOWES COS INC COM 548661107 BBG001S5SVL3 264,612 1,189 SH   SOLE   0 0 1,189
MCDONALDS CORP COM 580135101 BBG001S5T110 605,413 2,042 SH   SOLE   0 0 2,042
MERCK & CO INC COM 58933Y105 BBG001S5TC52 229,378 2,104 SH   SOLE   0 0 2,104
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 579,433 1,637 SH   SOLE   0 0 1,637
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,267,965 3,372 SH   SOLE   0 0 3,372
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 223,675 2,500 SH   SOLE   0 0 2,500
PEPSICO INC COM 713448108 BBG001S695T1 499,107 2,939 SH   SOLE   0 0 2,939
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 517,726 3,533 SH   SOLE   0 0 3,533
REALTY INCOME CORP COM 756109104 BBG001S884K0 452,473 7,880 SH   SOLE   0 0 7,880
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 433,910 5,157 SH   SOLE   0 0 5,157
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 489,943 19,764 SH   SOLE   1,600 0 18,164
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 BBG0051J0PJ9 8,607,569 138,966 SH   SOLE   0 0 138,966
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 2,534,637 72,709 SH   SOLE   0 0 72,709
SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1,306,968 13,138 SH   SOLE   0 0 13,138
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3,064,837 16,032 SH   SOLE   0 0 16,032
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,299,273 2,734 SH   SOLE   0 0 2,734
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 249,677 2,732 SH   SOLE   0 0 2,732
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 236,139 3,121 SH   SOLE   0 0 3,121
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 508,052 6,924 SH   SOLE   0 0 6,924
TORONTO DOMINION BK ONT COM NEW 891160509 BBG001S60L15 206,784 3,200 SH   SOLE   0 0 3,200
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 467,832 2,975 SH   SOLE   0 0 2,975
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 5,258,671 68,849 SH   SOLE   110 0 68,739
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 3,205,337 41,617 SH   SOLE   0 0 41,617
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,447,646 19,682 SH   SOLE   0 0 19,682
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 1,350,577 27,359 SH   SOLE   0 0 27,359
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 562,833 1,810 SH   SOLE   0 0 1,810
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 2,173,389 9,898 SH   SOLE   0 0 9,898
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,070,013 21,171 SH   SOLE   0 0 21,171
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 474,367 2,039 SH   SOLE   0 0 2,039
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 3,011,277 34,080 SH   SOLE   0 0 34,080
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,349,050 13,052 SH   SOLE   0 0 13,052
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2,254,454 9,325 SH   SOLE   0 0 9,325
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 412,174 10,029 SH   SOLE   0 0 10,029
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,386,511 29,196 SH   SOLE   0 0 29,196
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,960,881 38,411 SH   SOLE   0 0 38,411
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 1,533,274 19,817 SH   SOLE   0 0 19,817
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 585,732 3,437 SH   SOLE   0 0 3,437
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 2,029,350 42,366 SH   SOLE   0 0 42,366
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 1,771,054 17,464 SH   SOLE   0 0 17,464
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 7,394,583 66,242 SH   SOLE   154 0 66,088
WEBSTER FINL CORP COM 947890109 BBG001S5XCP5 246,288 4,852 SH   SOLE   0 0 4,852
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1,848,012 37,019 SH   SOLE   0 0 37,019