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
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
3M CO COM 88579Y101 634,415 4,368 SH SOLE 0 0 4,368
ABBOTT LABORATORIES COM 002824100 449,079 4,374 SH SOLE 0 0 4,374
ABBVIE INC COM 00287Y109 280,345 1,289 SH SOLE 0 0 1,289
ALPHABET INC CAP STK CL A 02079K305 764,047 2,657 SH SOLE 0 0 2,657
ALPHABET INC CAP STK CL C 02079K107 495,175 1,726 SH SOLE 0 0 1,726
AMAZON COM INC COM 023135106 558,788 2,683 SH SOLE 0 0 2,683
APPLE INC COM 037833100 3,978,085 15,675 SH SOLE 0 0 15,675
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,093,534 2,282 SH SOLE 0 0 2,282
BLACKROCK ENHANCED EQUITY DI COM 09251A104 119,223 13,831 SH SOLE 0 0 13,831
CALAMOS ETF TR S&P 500 STRUCT 12811T787 624,822 24,970 SH SOLE 0 0 24,970
CALAMOS ETF TR S&P 500 STRUCTUR 12811T803 253,873 9,447 SH SOLE 0 0 9,447
CALAMOS ETF TR S&P 500 STRUCTUR 12811T886 216,286 8,018 SH SOLE 0 0 8,018
CARRIER GLOBAL CORPORATION COM 14448C104 283,070 5,027 SH SOLE 0 0 5,027
CATERPILLAR INC COM 149123101 248,669 351 SH SOLE 0 0 351
CHEVRON CORPORATION COM 166764100 411,971 1,991 SH SOLE 0 0 1,991
CISCO SYS INC COM 17275R102 209,881 2,705 SH SOLE 0 0 2,705
COHEN & STEERS ETF TRUST REAL ESTATE ACTI 19249U104 418,746 15,934 SH SOLE 0 0 15,934
COSTCO WHOLESALE CORPORATION COM 22160K105 639,130 641 SH SOLE 0 0 641
DEERE & CO COM 244199105 485,565 862 SH SOLE 0 0 862
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 6,332,341 176,980 SH SOLE 0 0 176,980
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 6,253,165 235,258 SH SOLE 2,211 0 233,047
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 7,123,621 170,748 SH SOLE 0 0 170,748
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 16,262,995 308,128 SH SOLE 586 0 307,542
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 363,229 10,788 SH SOLE 0 0 10,788
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 11,688,775 296,369 SH SOLE 1,819 0 294,549
DIMENSIONAL ETF TRUST US EQUITY MARKET 25434V401 738,943 10,421 SH SOLE 0 0 10,421
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 1,013,271 28,375 SH SOLE 0 0 28,375
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 1,186,952 50,188 SH SOLE 0 0 50,188
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 10,157,276 289,877 SH SOLE 191 0 289,685
ELI LILLY & CO COM 532457108 714,918 777 SH SOLE 0 0 777
ENTERPRISE PRODS PARTNERS L COM 293792107 287,280 7,592 SH SOLE 0 0 7,592
EVERSOURCE ENERGY COM 30040W108 239,155 3,452 SH SOLE 0 0 3,452
EXXON MOBIL CORP COM 30231G102 2,200,446 12,970 SH SOLE 0 0 12,970
GE AEROSPACE COM NEW 369604301 262,512 925 SH SOLE 0 0 925
GENERAL DYNAMICS CORP COM 369550108 385,608 1,124 SH SOLE 0 0 1,124
HOME DEPOT INC COM 437076102 282,699 860 SH SOLE 0 0 860
INNOVATOR ETFS TRUST US EQT ACC 9 BFR 45783Y780 8,913,155 284,947 SH SOLE 1,988 0 282,959
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 304,327 7,735 SH SOLE 0 0 7,735
INNOVATOR ETFS TRUST US EQT ULTRA BFR 45782C425 205,204 5,653 SH SOLE 0 0 5,653
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 690,195 14,962 SH SOLE 0 0 14,962
INNOVATOR ETFS TRUST US EQUITY ACCELE 45783Y301 302,659 7,732 SH SOLE 0 0 7,732
INTERNATIONAL BUSINESS MACHS COM 459200101 403,978 1,667 SH SOLE 0 0 1,667
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 280,540 7,932 SH SOLE 0 0 7,932
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,448,647 30,479 SH SOLE 0 0 30,479
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 556,055 12,122 SH SOLE 0 0 12,122
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 588,422 3,066 SH SOLE 0 0 3,066
INVESCO QQQ TR UNIT SER 1 46090E103 4,022,250 6,969 SH SOLE 0 0 6,969
ISHARES GOLD TR ISHARES NEW 464285204 20,743,090 235,289 SH SOLE 683 0 234,606
ISHARES TR CORE S&P MCP ETF 464287507 4,657,352 68,967 SH SOLE 0 0 68,967
ISHARES TR CORE S&P SCP ETF 464287804 1,383,109 11,126 SH SOLE 0 0 11,126
ISHARES TR CORE S&P500 ETF 464287200 8,100,542 12,401 SH SOLE 18 0 12,383
ISHARES TR EAFE GRWTH ETF 464288885 4,532,100 40,694 SH SOLE 0 0 40,694
ISHARES TR EAFE SML CP ETF 464288273 1,298,394 16,559 SH SOLE 0 0 16,559
ISHARES TR INTL SEL DIV ETF 464288448 3,209,385 75,408 SH SOLE 559 0 74,850
ISHARES TR JPMORGAN USD EMG 464288281 358,103 3,812 SH SOLE 0 0 3,812
ISHARES TR MSCI USA QLT FCT 46432F339 303,589 1,583 SH SOLE 0 0 1,583
ISHARES TR NATIONAL MUN ETF 464288414 1,735,468 16,349 SH SOLE 0 0 16,349
ISHARES TR RUS 1000 ETF 464287622 210,014 589 SH SOLE 0 0 589
ISHARES TR S&P 500 GRWT ETF 464287309 16,820,109 148,706 SH SOLE 117 0 148,589
ISHARES TR S&P 500 VAL ETF 464287408 4,826,471 22,858 SH SOLE 221 0 22,637
ISHARES TR S&P MC 400GR ETF 464287606 18,661,737 185,467 SH SOLE 0 0 185,467
ISHARES TR S&P MC 400VL ETF 464287705 20,389,823 153,885 SH SOLE 218 0 153,667
ISHARES TR S&P SML 600 GWT 464287887 18,791,421 129,856 SH SOLE 0 0 129,856
ISHARES TR SELECT DIVID ETF 464287168 290,963 1,922 SH SOLE 0 0 1,922
ISHARES TR SP SMCP600VL ETF 464287879 9,085,918 76,707 SH SOLE 0 0 76,707
ISHARES TR TIPS BD ETF 464287176 1,575,459 14,276 SH SOLE 0 0 14,276
ISHARES TR US TREAS BD ETF 46429B267 4,403,543 192,211 SH SOLE 0 0 192,211
JOHNSON & JOHNSON COM 478160104 2,376,935 9,724 SH SOLE 0 0 9,724
JPMORGAN CHASE & CO COM 46625H100 584,202 1,986 SH SOLE 0 0 1,986
LAM RESEARCH CORP COM NEW 512807306 306,602 1,435 SH SOLE 0 0 1,435
LOWES COS INC COM 548661107 275,030 1,164 SH SOLE 0 0 1,164
MCDONALDS CORP COM 580135101 278,141 895 SH SOLE 0 0 895
MERCK & CO INC COM 58933Y105 362,554 3,014 SH SOLE 0 0 3,014
META PLATFORMS INC CL A 30303M102 598,680 1,046 SH SOLE 0 0 1,046
MICROSOFT CORP COM 594918104 1,212,124 3,275 SH SOLE 0 0 3,275
NVIDIA CORPORATION COM 67066G104 331,969 1,903 SH SOLE 0 0 1,903
PEPSICO INC COM 713448108 493,194 3,176 SH SOLE 0 0 3,176
PROCTER & GAMBLE CO COM 742718109 405,876 2,810 SH SOLE 0 0 2,810
PROVIDENT FINL SVCS INC COM 74386T105 458,939 21,689 SH SOLE 0 0 21,689
PUBLIC SVC ENTERPRISE GROUP COM 744573106 269,618 3,331 SH SOLE 0 0 3,331
REALTY INCOME CORP COM 756109104 784,596 12,824 SH SOLE 0 0 12,824
RTX CORPORATION COM 75513E101 1,011,182 5,242 SH SOLE 0 0 5,242
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 494,914 15,020 SH SOLE 1,338 0 13,682
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 2,463,404 53,136 SH SOLE 0 0 53,136
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 11,815,383 424,251 SH SOLE 0 0 424,251
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 244,137 9,727 SH SOLE 0 0 9,727
SELECTIVE INS GROUP INC COM 816300107 818,886 10,862 SH SOLE 0 0 10,862
SPDR GOLD TR GOLD SHS 78463V107 4,587,461 10,661 SH SOLE 0 0 10,661
SPDR SERIES TRUST STATE STREET SPD 78464A821 252,902 2,635 SH SOLE 0 0 2,635
SPDR SERIES TRUST STATE STREET SPD 78464A839 552,979 6,494 SH SOLE 0 0 6,494
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,688,460 2,596 SH SOLE 0 0 2,596
TESLA INC COM 88160R101 258,366 695 SH SOLE 0 0 695
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,065,834 143,377 SH SOLE 274 0 143,103
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,597,140 58,630 SH SOLE 0 0 58,630
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 212,304 2,883 SH SOLE 0 0 2,883
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,855,104 59,419 SH SOLE 0 0 59,419
VANGUARD INDEX FDS GROWTH ETF 922908736 776,288 1,777 SH SOLE 0 0 1,777
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,908,626 11,302 SH SOLE 0 0 11,302
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,015,567 21,791 SH SOLE 0 0 21,791
VANGUARD INDEX FDS MID CAP ETF 922908629 549,090 1,912 SH SOLE 0 0 1,912
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,830,958 31,916 SH SOLE 0 0 31,916
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 201,079 337 SH SOLE 0 0 337
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,262,039 10,412 SH SOLE 0 0 10,412
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,568,743 8,499 SH SOLE 0 0 8,499
VANGUARD INDEX FDS TOTAL STK MKT 922908769 279,811 872 SH SOLE 0 0 872
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 343,272 6,351 SH SOLE 0 0 6,351
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,800,815 56,072 SH SOLE 0 0 56,072
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,863,437 77,439 SH SOLE 0 0 77,439
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,407,464 55,601 SH SOLE 0 0 55,601
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 261,451 2,789 SH SOLE 0 0 2,789
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 620,721 2,886 SH SOLE 0 0 2,886
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,848,306 28,844 SH SOLE 0 0 28,844
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 3,335,198 32,976 SH SOLE 0 0 32,976
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 12,058,200 81,419 SH SOLE 164 0 81,256
VANGUARD WORLD FD ENERGY ETF 92204A306 225,644 1,304 SH SOLE 0 0 1,304
VERIZON COMMUNICATIONS INC COM 92343V104 318,249 6,340 SH SOLE 0 0 6,340
WISDOMTREE TR EMG MKTS SMCAP 97717W281 2,380,947 39,616 SH SOLE 0 0 39,616