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
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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
ABBOTT LABS COM 002824100   227,485 2,072 SH   SOLE   2,072 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   441,527 1,312 SH   SOLE   1,312 0 0
ALBEMARLE CORP COM 012653101   245,486 1,132 SH   SOLE   1,132 0 0
ALPHABET INC CAP STK CL C 02079K107   347,910 3,921 SH   SOLE   3,921 0 0
ALPHABET INC CAP STK CL A 02079K305   1,970,794 22,337 SH   SOLE   22,337 0 0
AMAZON COM INC COM 023135106   1,463,952 17,428 SH   SOLE   17,428 0 0
APELLIS PHARMACEUTICALS INC COM 03753U106   610,902 11,814 SH   SOLE   11,814 0 0
APPLE INC COM 037833100   3,981,575 30,644 SH   SOLE   30,644 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   889,632 2,880 SH   SOLE   2,880 0 0
BOEING CO COM 097023105   629,950 3,307 SH   SOLE   3,307 0 0
CATERPILLAR INC COM 149123101   232,373 970 SH   SOLE   970 0 0
CHEVRON CORP NEW COM 166764100   299,210 1,667 SH   SOLE   1,667 0 0
CIGNA CORP NEW COM 125523100   203,774 615 SH   SOLE   615 0 0
CISCO SYS INC COM 17275R102   211,903 4,448 SH   SOLE   4,448 0 0
COLUMBIA FINL INC COM 197641103   324,300 15,000 SH   SOLE   15,000 0 0
COSTCO WHSL CORP NEW COM 22160K105   240,576 527 SH   SOLE   527 0 0
CREDIT SUISSE GROUP SPONSORED ADR 225401108   164,859 54,230 SH   SOLE   54,230 0 0
CVS HEALTH CORP COM 126650100   245,742 2,637 SH   SOLE   2,637 0 0
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   12,675,623 527,931 SH   SOLE   527,931 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   3,376,759 100,859 SH   SOLE   100,859 0 0
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   1,978,511 47,652 SH   SOLE   47,652 0 0
EXXON MOBIL CORP COM 30231G102   450,245 4,082 SH   SOLE   4,082 0 0
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   330,937 7,535 SH   SOLE   7,535 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   361,445 2,935 SH   SOLE   2,935 0 0
FIRST TR EXCHNG TRADED FD VI FT CBOE VEST US 33740U844   692,790 22,604 SH   SOLE   22,604 0 0
FLEX LNG LTD SHS G35947202   256,943 7,860 SH   SOLE   7,860 0 0
FORD MTR CO DEL COM 345370860   118,498 10,189 SH   SOLE   10,189 0 0
HONEYWELL INTL INC COM 438516106   215,586 1,006 SH   SOLE   1,006 0 0
ILLUMINA INC COM 452327109   424,620 2,100 SH   SOLE   2,100 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C797   4,274,060 142,137 SH   SOLE   142,137 0 0
INNOVATOR ETFS TR DEFINED WLT SHLD 45783Y855   7,466,203 280,811 SH   SOLE   280,811 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   5,527,015 188,941 SH   SOLE   188,941 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C573   1,298,442 43,009 SH   SOLE   43,009 0 0
INNOVATOR ETFS TR US EQTY PWR BF 45782C680   664,411 23,436 SH   SOLE   23,436 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C318   669,834 23,846 SH   SOLE   23,846 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C813   1,223,359 40,522 SH   SOLE   40,522 0 0
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   727,403 24,336 SH   SOLE   24,336 0 0
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   367,076 8,375 SH   SOLE   8,375 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   261,171 1,849 SH   SOLE   1,849 0 0
IRON MTN INC DEL COM 46284V101   206,878 4,150 SH   SOLE   4,150 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   620,228 5,950 SH   SOLE   5,950 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   215,335 1,235 SH   SOLE   1,235 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,241,481 5,834 SH   SOLE   5,834 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   6,393,879 75,444 SH   SOLE   75,444 0 0
JACOBS SOLUTIONS INC COM 46982L108   336,196 2,800 SH   SOLE   2,800 0 0
JOHNSON & JOHNSON COM 478160104   260,633 1,475 SH   SOLE   1,475 0 0
JPMORGAN CHASE & CO COM 46625H100   340,078 2,536 SH   SOLE   2,536 0 0
LILLY ELI & CO COM 532457108   988,500 2,702 SH   SOLE   2,702 0 0
MERCK & CO INC COM 58933Y105   548,648 4,945 SH   SOLE   4,945 0 0
MICROSOFT CORP COM 594918104   5,564,304 23,202 SH   SOLE   23,202 0 0
NETFLIX INC COM 64110L106   350,317 1,188 SH   SOLE   1,188 0 0
NVIDIA CORPORATION COM 67066G104   400,862 2,743 SH   SOLE   2,743 0 0
PFIZER INC COM 717081103   265,628 5,184 SH   SOLE   5,184 0 0
PROCTER AND GAMBLE CO COM 742718109   316,457 2,088 SH   SOLE   2,088 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   4,810,802 35,413 SH   SOLE   35,413 0 0
SHERWIN WILLIAMS CO COM 824348106   215,970 910 SH   SOLE   910 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   241,696 632 SH   SOLE   632 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   208,602 5,364 SH   SOLE   5,364 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854   19,442,290 432,243 SH   SOLE   432,243 0 0
SPOTIFY TECHNOLOGY S A SHS L8681T102   438,962 5,560 SH   SOLE   5,560 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   188,094 13,340 SH   SOLE   13,340 0 0
TESLA INC COM 88160R101   419,058 3,402 SH   SOLE   3,402 0 0
UNITEDHEALTH GROUP INC COM 91324P102   343,026 647 SH   SOLE   647 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   229,280 8,000 SH   SOLE   8,000 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   936,192 4,393 SH   SOLE   4,393 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   769,786 2,191 SH   SOLE   2,191 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   2,509,694 30,513 SH   SOLE   30,513 0 0
VISA INC COM CL A 92826C839   546,617 2,631 SH   SOLE   2,631 0 0