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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 807,918 3,937 SH SOLE 0 0 3,937
AUTOMATIC DATA PROCESSING IN COM 053015103 1,273,692 4,130 SH SOLE 0 0 4,130
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,111,483 30,806 SH SOLE 0 0 30,806
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 2,606,512 28,415 SH SOLE 0 0 28,415
BITWISE BITCOIN ETF TR SHS BEN INT 09174C104 390,619 6,667 SH SOLE 0 0 6,667
BITWISE 10 CRYPTO INDEX FUND EX TRD EQ FD 091749101 322,478 4,902 SH SOLE 0 0 4,902
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 365,517 1,504 SH SOLE 0 0 1,504
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 582,597 7,402 SH SOLE 0 0 7,402
CHUBB LIMITED COM H1467J104 553,431 1,910 SH SOLE 0 0 1,910
THE CIGNA GROUP COM 125523100 215,207 651 SH SOLE 0 0 651
CHEVRON CORP NEW COM 166764100 854,844 5,970 SH SOLE 0 0 5,970
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 737,018 20,564 SH SOLE 0 0 20,564
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 6,476,609 223,717 SH SOLE 0 0 223,717
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 1,149,710 33,257 SH SOLE 0 0 33,257
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 2,456,715 57,996 SH SOLE 0 0 57,996
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 672,342 10,023 SH SOLE 0 0 10,023
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 2,283,671 76,943 SH SOLE 0 0 76,943
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 228,664 7,354 SH SOLE 0 0 7,354
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 1,204,985 40,381 SH SOLE 0 0 40,381
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 371,368 7,083 SH SOLE 0 0 7,083
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 2,135,062 44,471 SH SOLE 0 0 44,471
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716 408,369 10,404 SH SOLE 0 0 10,404
DIMENSIONAL ETF TRUST US SMALLCAP VAL 25434V815 214,289 7,281 SH SOLE 0 0 7,281
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 592,523 14,014 SH SOLE 0 0 14,014
WISDOMTREE TR EMG MKTS SMCAP 97717W281 4,282,080 77,517 SH SOLE 0 0 77,517
DENISON MINES CORP COM 248356107 18,200 10,000 SH SOLE 0 0 10,000
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831 5,412,642 152,211 SH SOLE 0 0 152,211
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 6,156,675 121,313 SH SOLE 0 0 121,313
ISHARES INC MSCI EMERG MRKT 464286533 940,256 14,972 SH SOLE 0 0 14,972
WISDOMTREE TR US SMALLCAP FUND 97717W562 14,159,615 277,857 SH SOLE 0 0 277,857
ISHARES TR MSCI EAFE MIN VL 46429B689 3,202,990 38,103 SH SOLE 0 0 38,103
ISHARES TR JPMORGAN USD EMG 464288281 1,570,659 16,958 SH SOLE 0 0 16,958
EVERSOURCE ENERGY COM 30040W108 289,003 4,542 SH SOLE 0 0 4,542
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 380,368 6,132 SH SOLE 0 0 6,132
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 2,882,312 63,001 SH SOLE 0 0 63,001
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 11,930,311 416,415 SH SOLE 0 0 416,415
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 8,227,331 195,655 SH SOLE 0 0 195,655
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724 2,770,614 44,273 SH SOLE 0 0 44,273
HARTFORD FINL SVCS GROUP INC COM 416515104 234,963 1,852 SH SOLE 0 0 1,852
ISHARES TR ISHS 1-5YR INVS 464288646 5,705,077 108,132 SH SOLE 0 0 108,132
ISHARES TR MSCI INTL MOMENT 46434V449 16,258,716 355,848 SH SOLE 0 0 355,848
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779 32,022,020 498,087 SH SOLE 0 0 498,087
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 319,071 6,266 SH SOLE 0 0 6,266
JOHNSON & JOHNSON COM 478160104 290,638 1,902 SH SOLE 0 0 1,902
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 1,244,280 24,551 SH SOLE 0 0 24,551
LOWES COS INC COM 548661107 257,689 1,161 SH SOLE 0 0 1,161
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505 809,240 24,861 SH SOLE 0 0 24,861
MARRIOTT INTL INC NEW CL A 571903202 312,005 1,142 SH SOLE 0 0 1,142
MERCK & CO INC COM 58933Y105 735,950 9,297 SH SOLE 0 0 9,297
MICROSOFT CORP COM 594918104 430,811 866 SH SOLE 0 0 866
ISHARES TR MSCI USA MMENTM 46432F396 769,466 3,201 SH SOLE 0 0 3,201
NETFLIX INC COM 64110L106 224,973 168 SH SOLE 0 0 168
NEW JERSEY RES CORP COM 646025106 720,988 16,086 SH SOLE 0 0 16,086
PALANTIR TECHNOLOGIES INC CL A 69608A108 272,640 2,000 SH SOLE 0 0 2,000
PGIM ETF TR PGIM ULTRA SH BD 69344A107 459,061 9,225 SH SOLE 0 0 9,225
FLEXSHARES TR QUALT DIVD IDX 33939L860 405,401 5,539 SH SOLE 0 0 5,539
ISHARES TR MSCI USA QLT FCT 46432F339 1,571,067 8,593 SH SOLE 0 0 8,593
ISHARES TR EAFE SML CP ETF 464288273 18,023,232 247,980 SH SOLE 0 0 247,980
ISHARES TR SHRT NAT MUN ETF 464288158 971,323 9,134 SH SOLE 0 0 9,134
STYRKER CORPORATION COM 863667101 371,100 938 SH SOLE 0 0 938
AT&T INC COM 00206R102 375,322 12,969 SH SOLE 0 0 12,969
TEXAS PACIFIC LAND CORPORATI COM 88262P102 396,146 375 SH SOLE 0 0 375
ISHARES TR MSCI USA MIN VOL 46429B697 6,304,072 67,157 SH SOLE 0 0 67,157
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 318,685 5,589 SH SOLE 0 0 5,589
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,961,727 21,767 SH SOLE 0 0 21,767
VERISK ANALYTICS INC COM 92345Y106 512,794 1,646 SH SOLE 0 0 1,646
VANGUARD INDEX FDS VALUE ETF 922908744 21,455,644 121,396 SH SOLE 0 0 121,396
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 1,941,288 29,706 SH SOLE 0 0 29,706
VERIZON COMMUNICATIONS INC COM 92343V104 344,726 7,966 SH SOLE 0 0 7,966
EXXON MOBIL CORP COM 30231G102 968,943 8,988 SH SOLE 0 0 8,988