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
3M CO COM 88579Y101 BBG001S5T7X2 595,044 4,610 SH   SOLE   0 0 4,610
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 240,250 1,352 SH   SOLE   0 0 1,352
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 523,793 2,767 SH   SOLE   0 0 2,767
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 369,644 1,941 SH   SOLE   0 0 1,941
AMAZON COM INC COM 023135106 BBG001S5PQL7 471,250 2,148 SH   SOLE   0 0 2,148
APPLE INC COM 037833100 BBG001S5N8V8 3,994,227 15,950 SH   SOLE   0 0 15,950
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 578,791 2,551 SH   SOLE   0 0 2,551
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 990,870 2,186 SH   SOLE   0 0 2,186
BLACKROCK ENHANCED EQUITY DI COM 09251A104 BBG001SK5462 114,521 13,831 SH   SOLE   0 0 13,831
CALAMOS ETF TR S&P 500 STRUCTUR 12811T803 BBG01NKVYTS6 236,412 9,447 SH   SOLE   0 0 9,447
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 343,143 5,027 SH   SOLE   0 0 5,027
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 270,229 1,866 SH   SOLE   0 0 1,866
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 652,572 712 SH   SOLE   0 0 712
DEERE & CO COM 244199105 BBG001S5QFF7 421,158 994 SH   SOLE   0 0 994
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 4,053,076 154,639 SH   SOLE   60 0 154,579
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 BBG01BN60P09 4,428,240 173,385 SH   SOLE   2,367 0 171,018
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 BBG01254K0G0 3,908,470 96,527 SH   SOLE   0 0 96,527
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 10,013,080 282,218 SH   SOLE   697 0 281,521
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 321,271 13,084 SH   SOLE   0 0 13,084
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 6,749,400 254,023 SH   SOLE   1,858 0 252,165
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 BBG011DXXNJ2 576,067 9,036 SH   SOLE   0 0 9,036
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 655,735 21,836 SH   SOLE   0 0 21,836
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 957,954 41,167 SH   SOLE   0 0 41,167
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 6,299,967 204,677 SH   SOLE   0 0 204,677
ELI LILLY & CO COM 532457108 BBG001S5STL8 591,479 766 SH   SOLE   0 0 766
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 937,249 8,713 SH   SOLE   0 0 8,713
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 290,247 1,102 SH   SOLE   0 0 1,102
GUINNESS ATKINSON FDS SMARTETFS DIVID 402031835 BBG00ZV187J1 252,345 8,876 SH   SOLE   0 0 8,876
HOME DEPOT INC COM 437076102 BBG001S5RTW7 352,822 907 SH   SOLE   0 0 907
INNOVATOR ETFS TRUST US EQT ACC 9 BFR 45783Y780 BBG01462XRD9 6,617,460 230,013 SH   SOLE   1,988 0 228,025
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 BBG00PVP3G50 296,751 8,357 SH   SOLE   0 0 8,357
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 BBG00MYXKL20 701,350 16,600 SH   SOLE   0 0 16,600
INNOVATOR ETFS TRUST US EQUITY ACCELE 45783Y301 BBG00ZNB6LJ9 264,150 7,745 SH   SOLE   0 0 7,745
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 480,143 2,184 SH   SOLE   0 0 2,184
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 BBG001SS78M6 220,658 7,792 SH   SOLE   0 0 7,792
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 1,403,353 34,788 SH   SOLE   0 0 34,788
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597 BBG001SPSDJ2 591,642 14,219 SH   SOLE   0 0 14,219
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 554,599 3,165 SH   SOLE   0 0 3,165
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 3,396,142 6,643 SH   SOLE   0 0 6,643
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 15,567,498 314,431 SH   SOLE   1,208 0 313,223
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 4,531,939 72,732 SH   SOLE   0 0 72,732
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,289,028 11,188 SH   SOLE   0 0 11,188
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 7,435,096 12,630 SH   SOLE   0 0 12,630
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,160,867 42,971 SH   SOLE   10 0 42,961
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 1,283,414 21,126 SH   SOLE   0 0 21,126
ISHARES TR INTL SEL DIV ETF 464288448 BBG001S7Y5C9 3,300,397 120,540 SH   SOLE   717 0 119,824
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 388,358 4,362 SH   SOLE   0 0 4,362
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 299,630 1,683 SH   SOLE   0 0 1,683
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 2,476,126 23,239 SH   SOLE   0 0 23,239
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 15,561,250 153,268 SH   SOLE   221 0 153,047
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 4,466,419 23,399 SH   SOLE   293 0 23,106
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 15,115,279 166,230 SH   SOLE   0 0 166,230
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 16,887,039 135,140 SH   SOLE   0 0 135,140
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 15,212,568 112,378 SH   SOLE   0 0 112,378
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 253,874 1,934 SH   SOLE   0 0 1,934
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 8,794,142 80,970 SH   SOLE   0 0 80,970
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 2,663,771 25,000 SH   SOLE   0 0 25,000
ISHARES TR U.S. MED DVC ETF 464288810 BBG001SQZT52 211,419 3,623 SH   SOLE   0 0 3,623
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 4,926,980 214,403 SH   SOLE   53 0 214,350
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,204,540 8,329 SH   SOLE   0 0 8,329
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 495,720 2,068 SH   SOLE   0 0 2,068
LOWES COS INC COM 548661107 BBG001S5SVL3 289,743 1,174 SH   SOLE   0 0 1,174
MCDONALDS CORP COM 580135101 BBG001S5T110 296,518 1,023 SH   SOLE   0 0 1,023
MERCK & CO INC COM 58933Y105 BBG001S5TC52 306,299 3,079 SH   SOLE   0 0 3,079
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 615,739 1,052 SH   SOLE   0 0 1,052
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,565,530 3,714 SH   SOLE   0 0 3,714
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 207,241 1,543 SH   SOLE   0 0 1,543
ORACLE CORP COM 68389X105 BBG001S5SJG6 210,966 1,266 SH   SOLE   0 0 1,266
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 232,729 2,513 SH   SOLE   0 0 2,513
PEPSICO INC COM 713448108 BBG001S695T1 483,695 3,181 SH   SOLE   0 0 3,181
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 564,478 3,367 SH   SOLE   0 0 3,367
PROVIDENT FINL SVCS INC COM 74386T105 BBG001SKM445 718,438 38,073 SH   SOLE   0 0 38,073
REALTY INCOME CORP COM 756109104 BBG001S884K0 506,330 9,480 SH   SOLE   0 0 9,480
ROYAL CARIBBEAN GROUP COM V7780T103 BBG001S5RMJ7 215,695 935 SH   SOLE   0 0 935
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 599,892 5,184 SH   SOLE   0 0 5,184
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 691,038 25,950 SH   SOLE   1,600 0 24,350
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 BBG0051QD594 2,627,950 76,976 SH   SOLE   0 0 76,976
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 9,411,062 397,427 SH   SOLE   0 0 397,427
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 217,538 9,583 SH   SOLE   0 0 9,583
SELECTIVE INS GROUP INC COM 816300107 BBG001S5W2R6 1,180,035 12,618 SH   SOLE   0 0 12,618
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 3,542,120 14,629 SH   SOLE   17 0 14,612
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,537,359 2,623 SH   SOLE   0 0 2,623
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 243,752 2,666 SH   SOLE   0 0 2,666
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 232,542 2,676 SH   SOLE   0 0 2,676
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 522,613 6,516 SH   SOLE   0 0 6,516
TESLA INC COM 88160R101 BBG001SQKGD7 251,592 623 SH   SOLE   0 0 623
UNITED PARCEL SERVICE INC CL B 911312106 BBG001SDGSH1 277,857 2,203 SH   SOLE   0 0 2,203
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 7,043,860 94,257 SH   SOLE   135 0 94,123
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 4,371,321 56,572 SH   SOLE   13 0 56,559
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 580,098 8,067 SH   SOLE   0 0 8,067
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 3,456,666 70,472 SH   SOLE   31 0 70,441
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 800,969 1,951 SH   SOLE   0 0 1,951
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 2,327,544 9,173 SH   SOLE   0 0 9,173
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 3,183,135 19,677 SH   SOLE   0 0 19,677
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 491,293 1,860 SH   SOLE   0 0 1,860
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,956,832 33,193 SH   SOLE   0 0 33,193
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 2,323,555 11,724 SH   SOLE   0 0 11,724
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 2,292,297 8,185 SH   SOLE   0 0 8,185
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 275,220 6,249 SH   SOLE   0 0 6,249
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 BBG003H12XS7 1,822,350 37,636 SH   SOLE   0 0 37,636
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,131,705 62,472 SH   SOLE   0 0 62,472
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 BBG001T62KZ7 2,145,659 27,505 SH   SOLE   0 0 27,505
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 BBG001TCH581 221,333 2,724 SH   SOLE   0 0 2,724
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 599,718 3,062 SH   SOLE   0 0 3,062
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,524,557 31,881 SH   SOLE   0 0 31,881
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 2,571,355 25,649 SH   SOLE   0 0 25,649
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 8,913,806 69,863 SH   SOLE   158 0 69,704
WISDOMTREE TR EMG MKTS SMCAP 97717W281 BBG001SRPT24 1,969,375 40,257 SH   SOLE   0 0 40,257