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
ABBOTT LABS COM 002824100 226 2,083 SH   SOLE   2,083 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 819 2,236 SH   SOLE   2,236 0 0
ALPHABET INC CAP STK CL C 02079K107 346 158 SH   SOLE   158 0 0
ALPHABET INC CAP STK CL A 02079K305 2,288 1,050 SH   SOLE   1,050 0 0
AMAZON COM INC COM 023135106 1,802 16,966 SH   SOLE   16,966 0 0
APPLE INC COM 037833100 4,022 29,416 SH   SOLE   29,416 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 718 2,631 SH   SOLE   2,631 0 0
BOEING CO COM 097023105 461 3,370 SH   SOLE   3,370 0 0
CHEVRON CORP NEW COM 166764100 231 1,595 SH   SOLE   1,595 0 0
COLUMBIA FINL INC COM 197641103 436 20,000 SH   SOLE   20,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 246 513 SH   SOLE   513 0 0
CVS HEALTH CORP COM 126650100 245 2,640 SH   SOLE   2,640 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 2,650 117,795 SH   SOLE   117,795 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 3,455 109,347 SH   SOLE   109,347 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 1,426 29,703 SH   SOLE   29,703 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 6,807 156,061 SH   SOLE   156,061 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 221 2,061 SH   SOLE   2,061 0 0
EXXON MOBIL CORP COM 30231G102 401 4,683 SH   SOLE   4,683 0 0
FIDELITY COVINGTON TRUST STOCK FOR INFL 316092386 3,105 106,709 SH   SOLE   106,709 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 598 4,707 SH   SOLE   4,707 0 0
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 369 9,025 SH   SOLE   9,025 0 0
FIRST TR EXCHNG TRADED FD VI FT CBOE VEST US 33740U844 1,760 59,617 SH   SOLE   59,617 0 0
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740U885 857 30,200 SH   SOLE   30,200 0 0
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740U786 296 10,620 SH   SOLE   10,620 0 0
ILLUMINA INC COM 452327109 515 2,796 SH   SOLE   2,796 0 0
INNOVATIVE INDL PPTYS INC COM 45781V101 346 3,149 SH   SOLE   3,149 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813 728 24,780 SH   SOLE   24,780 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318 1,254 45,900 SH   SOLE   45,900 0 0
INTEL CORP COM 458140100 225 6,021 SH   SOLE   6,021 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 375 8,500 SH   SOLE   8,500 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 290 6,895 SH   SOLE   6,895 0 0
IRON MTN INC NEW COM 46284V101 251 5,150 SH   SOLE   5,150 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 13,691 163,183 SH   SOLE   163,183 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,832 18,064 SH   SOLE   18,064 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,679 16,717 SH   SOLE   16,717 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 399 4,816 SH   SOLE   4,816 0 0
ISHARES TR MBS ETF 464288588 614 6,299 SH   SOLE   6,299 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,429 6,407 SH   SOLE   6,407 0 0
JACOBS ENGR GROUP INC COM 469814107 451 3,551 SH   SOLE   3,551 0 0
JOHNSON & JOHNSON COM 478160104 254 1,433 SH   SOLE   1,433 0 0
JPMORGAN CHASE & CO COM 46625H100 232 2,062 SH   SOLE   2,062 0 0
LILLY ELI & CO COM 532457108 621 1,915 SH   SOLE   1,915 0 0
LOWES COS INC COM 548661107 216 1,234 SH   SOLE   1,234 0 0
MERCK & CO INC COM 58933Y105 353 3,877 SH   SOLE   3,877 0 0
META PLATFORMS INC CL A 30303M102 940 5,830 SH   SOLE   5,830 0 0
MICROSOFT CORP COM 594918104 5,947 23,156 SH   SOLE   23,156 0 0
NETFLIX INC COM 64110L106 238 1,361 SH   SOLE   1,361 0 0
NORTHROP GRUMMAN CORP COM 666807102 348 728 SH   SOLE   728 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 201 16,000 SH   SOLE   16,000 0 0
NVIDIA CORPORATION COM 67066G104 536 3,535 SH   SOLE   3,535 0 0
PFIZER INC COM 717081103 271 5,167 SH   SOLE   5,167 0 0
PROCTER AND GAMBLE CO COM 742718109 291 2,025 SH   SOLE   2,025 0 0
ROKU INC COM CL A 77543R102 256 3,111 SH   SOLE   3,111 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,529 27,402 SH   SOLE   27,402 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,643 12,811 SH   SOLE   12,811 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 230 7,306 SH   SOLE   7,306 0 0
SPDR GOLD TR GOLD SHS 78463V107 865 5,133 SH   SOLE   5,133 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 16,936 381,957 SH   SOLE   381,957 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 254 6,889 SH   SOLE   6,889 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102 522 5,560 SH   SOLE   5,560 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 1,038 73,190 SH   SOLE   73,190 0 0
TELLURIAN INC NEW COM 87968A104 76 25,400 SH   SOLE   25,400 0 0
TESLA INC COM 88160R101 729 1,083 SH   SOLE   1,083 0 0
UNITEDHEALTH GROUP INC COM 91324P102 293 571 SH   SOLE   571 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 757 2,183 SH   SOLE   2,183 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 979 4,393 SH   SOLE   4,393 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 11,969 238,813 SH   SOLE   238,813 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,414 24,266 SH   SOLE   24,266 0 0
VISA INC COM CL A 92826C839 446 2,266 SH   SOLE   2,266 0 0