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
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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
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   7,295,804 316,933 SH   SOLE   0 0 316,933
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   3,246,270 70,571 SH   SOLE   0 0 70,571
ISHARES TR ISHS 1-5YR INVS 464288646   4,186,739 82,840 SH   SOLE   0 0 82,840
ISHARES TR EAFE SML CP ETF 464288273   13,954,088 234,483 SH   SOLE   0 0 234,483
ISHARES TR MSCI INTL MOMENT 46434V449   8,958,360 277,186 SH   SOLE   0 0 277,186
ISHARES TR MSCI USA MMENTM 46432F396   8,796,531 63,266 SH   SOLE   0 0 63,266
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   9,277,155 233,799 SH   SOLE   0 0 233,799
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   6,901,264 141,797 SH   SOLE   0 0 141,797
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   5,351,907 85,892 SH   SOLE   0 0 85,892
VANGUARD INDEX FDS VALUE ETF 922908744   13,628,485 98,678 SH   SOLE   0 0 98,678
WISDOMTREE TR EMG MKTS SMCAP 97717W281   4,387,581 95,820 SH   SOLE   0 0 95,820
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   636,252 12,714 SH   SOLE   0 0 12,714
WISDOMTREE TR US SMALLCAP FUND 97717W562   10,631,986 245,997 SH   SOLE   0 0 245,997
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,258,665 23,798 SH   SOLE   0 0 23,798
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   3,107,015 61,746 SH   SOLE   0 0 61,746
ISHARES TR JPMORGAN USD EMG 464288281   872,193 10,109 SH   SOLE   0 0 10,109
ISHARES TR SHRT NAT MUN ETF 464288158   598,443 5,717 SH   SOLE   0 0 5,717
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,205,884 16,367 SH   SOLE   0 0 16,367
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   2,159,483 65,182 SH   SOLE   0 0 65,182
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   385,571 7,612 SH   SOLE   0 0 7,612
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   944,982 35,064 SH   SOLE   0 0 35,064
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,279,933 44,488 SH   SOLE   0 0 44,488
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   361,285 4,723 SH   SOLE   0 0 4,723
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   350,700 10,475 SH   SOLE   0 0 10,475
ISHARES TR MSCI EAFE MIN VL 46429B689   3,190,028 47,155 SH   SOLE   0 0 47,155
ISHARES INC MSCI EMERG MRKT 464286533   909,792 16,672 SH   SOLE   0 0 16,672
ISHARES TR MSCI USA MIN VOL 46429B697   5,337,554 73,379 SH   SOLE   0 0 73,379
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   1,624,632 31,987 SH   SOLE   0 0 31,987
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   226,696 5,019 SH   SOLE   0 0 5,019
NEW MTN FIN CORP COM 647551100   266,462 21,895 SH   SOLE   0 0 21,895
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,005,269 21,545 SH   SOLE   0 0 21,545
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,175,249 23,356 SH   SOLE   0 0 23,356
JOHNSON & JOHNSON COM 478160104   273,161 1,762 SH   SOLE   0 0 1,762
NEW JERSEY RES CORP COM 646025106   351,068 6,599 SH   SOLE   0 0 6,599
APPLE INC COM 037833100   963,299 5,842 SH   SOLE   0 0 5,842
EVERSOURCE ENERGY COM 30040W108   355,508 4,543 SH   SOLE   0 0 4,543
CHIMERA INVT CORP COM NEW 16934Q208   102,270 18,133 SH   SOLE   0 0 18,133
AUTOMATIC DATA PROCESSING IN COM 053015103   1,013,857 4,554 SH   SOLE   0 0 4,554
CHEVRON CORP NEW COM 166764100   949,591 5,820 SH   SOLE   0 0 5,820
PROCTER AND GAMBLE CO COM 742718109   348,839 2,346 SH   SOLE   0 0 2,346
TEXAS PACIFIC LAND CORPORATI COM 88262P102   212,628 125 SH   SOLE   0 0 125
VERIZON COMMUNICATIONS INC COM 92343V104   304,808 7,838 SH   SOLE   0 0 7,838
FLEXSHARES TR QUALT DIVD IDX 33939L860   408,082 7,493 SH   SOLE   0 0 7,493
CHUBB LIMITED COM H1467J104   348,407 1,794 SH   SOLE   0 0 1,794
VERISK ANALYTICS INC COM 92345Y106   315,610 1,645 SH   SOLE   0 0 1,645
MERCK & CO INC COM 58933Y105   1,600,212 15,041 SH   SOLE   0 0 15,041
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   568,137 1,840 SH   SOLE   0 0 1,840
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   275,112 1,877 SH   SOLE   0 0 1,877