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
1ST CONSTITUTION BANCORP COM 31986N102 440 17,121 SH   SOLE   0 0 17,121
ABBVIE INC COM 00287Y109 349 2,576 SH   SOLE   0 0 2,576
ALPHABET INC CAP STK CL A 02079K305 608 210 SH   SOLE   0 0 210
ALPHABET INC CAP STK CL C 02079K107 428 148 SH   SOLE   0 0 148
AMAZON COM INC COM 023135106 914 274 SH   SOLE   0 0 274
APPLE INC COM 037833100 3,039 17,113 SH   SOLE   0 0 17,113
AT&T INC COM 00206R102 209 8,505 SH   SOLE   0 0 8,505
AUTOMATIC DATA PROCESSING IN COM 053015103 321 1,300 SH   SOLE   0 0 1,300
BECTON DICKINSON & CO COM 075887109 395 1,569 SH   SOLE   0 0 1,569
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 914 3,057 SH   SOLE   0 0 3,057
CHARLES RIV LABS INTL INC COM 159864107 281 745 SH   SOLE   0 0 745
CHEVRON CORP NEW COM 166764100 237 2,018 SH   SOLE   0 0 2,018
COSTCO WHSL CORP NEW COM 22160K105 615 1,083 SH   SOLE   0 0 1,083
CUMBERLAND PHARMACEUTICALS I COM 230770109 103 22,031 SH   SOLE   0 0 22,031
DEERE & CO COM 244199105 622 1,814 SH   SOLE   0 0 1,814
DISNEY WALT CO COM 254687106 233 1,504 SH   SOLE   0 0 1,504
EXXON MOBIL CORP COM 30231G102 598 9,768 SH   SOLE   0 0 9,768
GENERAL DYNAMICS CORP COM 369550108 257 1,234 SH   SOLE   0 0 1,234
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 360 13,390 SH   SOLE   0 0 13,390
HOME DEPOT INC COM 437076102 531 1,280 SH   SOLE   0 0 1,280
INNOVATOR ETFS TR US EQTY PWR BUF 45782C508 577 17,331 SH   SOLE   0 0 17,331
INTERNATIONAL BUSINESS MACHS COM 459200101 303 2,269 SH   SOLE   0 0 2,269
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 228 7,096 SH   SOLE   0 0 7,096
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,422 8,281 SH   SOLE   0 0 8,281
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 1,167 6,087 SH   SOLE   0 0 6,087
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 548 3,369 SH   SOLE   0 0 3,369
INVESCO QQQ TR UNIT SER 1 46090E103 913 2,294 SH   SOLE   0 0 2,294
ISHARES GOLD TR ISHARES NEW 464285204 8,425 242,043 SH   SOLE   0 0 242,043
ISHARES TR CORE S&P MCP ETF 464287507 6,340 22,395 SH   SOLE   0 0 22,395
ISHARES TR CORE S&P SCP ETF 464287804 2,222 19,400 SH   SOLE   0 0 19,400
ISHARES TR CORE S&P500 ETF 464287200 5,803 12,166 SH   SOLE   0 0 12,166
ISHARES TR CORE US AGGBD ET 464287226 285 2,500 SH   SOLE   0 0 2,500
ISHARES TR EAFE GRWTH ETF 464288885 2,334 21,162 SH   SOLE   0 0 21,162
ISHARES TR EAFE SML CP ETF 464288273 1,145 15,671 SH   SOLE   0 0 15,671
ISHARES TR INTL SEL DIV ETF 464288448 4,236 135,848 SH   SOLE   0 0 135,848
ISHARES TR JPMORGAN USD EMG 464288281 702 6,440 SH   SOLE   0 0 6,440
ISHARES TR MSCI USA QLT FCT 46432F339 658 4,520 SH   SOLE   0 0 4,520
ISHARES TR NATIONAL MUN ETF 464288414 396 3,405 SH   SOLE   0 0 3,405
ISHARES TR PFD AND INCM SEC 464288687 763 19,347 SH   SOLE   0 0 19,347
ISHARES TR S&P 500 GRWT ETF 464287309 10,268 122,721 SH   SOLE   0 0 122,721
ISHARES TR S&P 500 VAL ETF 464287408 4,204 26,842 SH   SOLE   0 0 26,842
ISHARES TR S&P MC 400GR ETF 464287606 10,080 118,229 SH   SOLE   0 0 118,229
ISHARES TR S&P MC 400VL ETF 464287705 10,537 95,201 SH   SOLE   0 0 95,201
ISHARES TR S&P SML 600 GWT 464287887 9,553 68,823 SH   SOLE   0 0 68,823
ISHARES TR SELECT DIVID ETF 464287168 272 2,222 SH   SOLE   0 0 2,222
ISHARES TR SP SMCP600VL ETF 464287879 8,738 83,623 SH   SOLE   0 0 83,623
ISHARES TR TIPS BD ETF 464287176 315 2,436 SH   SOLE   0 0 2,436
ISHARES TR U.S. MED DVC ETF 464288810 315 4,788 SH   SOLE   0 0 4,788
ISHARES TR US TREAS BD ETF 46429B267 765 28,682 SH   SOLE   0 0 28,682
JOHNSON & JOHNSON COM 478160104 2,215 12,945 SH   SOLE   0 0 12,945
JPMORGAN CHASE & CO COM 46625H100 277 1,749 SH   SOLE   0 0 1,749
LAKELAND BANCORP INC COM 511637100 903 47,550 SH   SOLE   0 0 47,550
LAM RESEARCH CORP COM 512807108 216 300 SH   SOLE   0 0 300
LILLY ELI & CO COM 532457108 235 851 SH   SOLE   0 0 851
LOWES COS INC COM 548661107 376 1,454 SH   SOLE   0 0 1,454
MCDONALDS CORP COM 580135101 564 2,105 SH   SOLE   0 0 2,105
META PLATFORMS INC CL A 30303M102 635 1,887 SH   SOLE   0 0 1,887
MICROSOFT CORP COM 594918104 730 2,169 SH   SOLE   0 0 2,169
NORFOLK SOUTHN CORP COM 655844108 314 1,054 SH   SOLE   0 0 1,054
PEPSICO INC COM 713448108 509 2,931 SH   SOLE   0 0 2,931
PROCTER AND GAMBLE CO COM 742718109 414 2,531 SH   SOLE   0 0 2,531
REALTY INCOME CORP COM 756109104 682 9,524 SH   SOLE   0 0 9,524
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 532 17,962 SH   SOLE   0 0 17,962
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 6,121 104,432 SH   SOLE   0 0 104,432
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,079 82,344 SH   SOLE   0 0 82,344
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 202 1,788 SH   SOLE   0 0 1,788
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 306 3,781 SH   SOLE   0 0 3,781
SELECTIVE INS GROUP INC COM 816300107 1,250 15,258 SH   SOLE   0 0 15,258
SPDR GOLD TR GOLD SHS 78463V107 3,311 19,366 SH   SOLE   0 0 19,366
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,322 2,782 SH   SOLE   0 0 2,782
SPDR SER TR PORTFOLIO AGRGTE 78464A649 426 14,393 SH   SOLE   0 0 14,393
SPDR SER TR S&P 400 MDCP GRW 78464A821 203 2,495 SH   SOLE   0 0 2,495
SPDR SER TR S&P 400 MDCP VAL 78464A839 354 4,985 SH   SOLE   0 0 4,985
SPDR SER TR S&P DIVID ETF 78464A763 226 1,751 SH   SOLE   0 0 1,751
TESLA INC COM 88160R101 333 315 SH   SOLE   0 0 315
TORONTO DOMINION BK ONT COM NEW 891160509 368 4,800 SH   SOLE   0 0 4,800
UNION PAC CORP COM 907818108 344 1,364 SH   SOLE   0 0 1,364
UNITED PARCEL SERVICE INC CL B 911312106 793 3,697 SH   SOLE   0 0 3,697
VANGUARD BD INDEX FDS INTERMED TERM 921937819 530 6,050 SH   SOLE   0 0 6,050
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 411 5,080 SH   SOLE   0 0 5,080
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 345 6,248 SH   SOLE   0 0 6,248
VANGUARD INDEX FDS GROWTH ETF 922908736 290 904 SH   SOLE   0 0 904
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,024 7,948 SH   SOLE   0 0 7,948
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,588 17,218 SH   SOLE   0 0 17,218
VANGUARD INDEX FDS MID CAP ETF 922908629 738 2,896 SH   SOLE   0 0 2,896
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,769 32,490 SH   SOLE   0 0 32,490
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,395 13,390 SH   SOLE   0 0 13,390
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,747 6,199 SH   SOLE   0 0 6,199
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 822 16,614 SH   SOLE   0 0 16,614
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 235 2,890 SH   SOLE   0 0 2,890
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 844 4,911 SH   SOLE   0 0 4,911
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,831 94,612 SH   SOLE   0 0 94,612
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,279 38,168 SH   SOLE   0 0 38,168
VERIZON COMMUNICATIONS INC COM 92343V104 256 4,928 SH   SOLE   0 0 4,928
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,612 30,457 SH   SOLE   0 0 30,457