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
APPLE INC COM 037833100 5,715,685 22,521 SH SOLE 0 0 22,521
ABBVIE INC COM 00287Y109 2,528,974 11,628 SH SOLE 0 0 11,628
ABBOTT LABORATORIES COM 002824100 1,197,755 11,666 SH SOLE 0 0 11,666
ANALOG DEVICES INC COM 032654105 521,605 1,640 SH SOLE 0 0 1,640
AUTOMATIC DATA PROCESSING IN COM 053015103 2,284,363 11,243 SH SOLE 0 0 11,243
AMERICAN ELEC PWR CO INC COM 025537101 663,003 5,058 SH SOLE 0 0 5,058
APPLIED MATLS INC COM 038222105 3,594,057 10,515 SH SOLE 0 0 10,515
ADVANCED MICRO DEVICES INC COM 007903107 290,905 1,430 SH SOLE 0 0 1,430
AMGEN INC COM 031162100 1,530,124 4,349 SH SOLE 0 0 4,349
AMENTUM HOLDINGS INC COM 023939101 225,305 8,639 SH SOLE 0 0 8,639
AMAZON COM INC COM 023135106 1,000,529 4,804 SH SOLE 0 0 4,804
AIR PRODUCTS AND CHEMICALS I COM 009158106 250,402 862 SH SOLE 0 0 862
AMERICAN EXPRESS CO COM 025816109 547,791 1,811 SH SOLE 0 0 1,811
BANK AMERICA CORP COM 060505104 597,578 12,258 SH SOLE 0 0 12,258
BOOKING HOLDINGS INC COM 09857L108 619,808 147 SH SOLE 0 0 147
BRISTOL-MYERS SQUIBB CO COM 110122108 335,334 5,529 SH SOLE 0 0 5,529
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,293,632 8,960 SH SOLE 0 0 8,960
BOSTON SCIENTIFIC CORP COM 101137107 484,430 7,720 SH SOLE 0 0 7,720
CARDINAL HEALTH INC COM 14149Y108 275,337 1,303 SH SOLE 0 0 1,303
CATERPILLAR INC COM 149123101 1,525,468 2,153 SH SOLE 0 0 2,153
CBOE GLOBAL MKTS INC COM 12503M108 309,177 1,100 SH SOLE 0 0 1,100
CHECK POINT SOFTWARE TECH LT ORD M22465104 626,397 4,385 SH SOLE 0 0 4,385
THE CIGNA GROUP COM 125523100 988,441 3,705 SH SOLE 0 0 3,705
COLGATE PALMOLIVE CO COM 194162103 1,635,649 19,191 SH SOLE 0 0 19,191
COTERRA ENERGY INC COM 127097103 648,790 18,463 SH SOLE 0 0 18,463
CONOCOPHILLIPS COM 20825C104 331,584 2,512 SH SOLE 0 0 2,512
CENCORA INC COM 03073E105 449,631 1,431 SH SOLE 0 0 1,431
COSTCO WHOLESALE CORPORATION COM 22160K105 713,482 716 SH SOLE 0 0 716
CISCO SYS INC COM 17275R102 1,067,800 13,762 SH SOLE 0 0 13,762
CSX CORP COM 126408103 1,018,040 24,800 SH SOLE 0 0 24,800
CINTAS CORP COM 172908105 529,408 3,130 SH SOLE 0 0 3,130
CHEVRON CORPORATION COM 166764100 805,255 3,892 SH SOLE 0 0 3,892
DEERE & CO COM 244199105 578,607 1,027 SH SOLE 0 0 1,027
DIAGEO PLC SPON ADR NEW 25243Q205 314,187 4,220 SH SOLE 0 0 4,220
DISNEY WALT CO COM 254687106 675,114 7,005 SH SOLE 0 0 7,005
ISHARES TR SELECT DIVID ETF 464287168 2,182,575 14,415 SH SOLE 0 0 14,415
EBAY INC. COM 278642103 816,245 8,968 SH SOLE 0 0 8,968
ISHARES TR MSCI EMG MKT ETF 464287234 10,222 180 SH SOLE 0 0 180
ISHARES INC MSCI EMERG MRKT 464286533 1,089,296 16,828 SH SOLE 0 0 16,828
ISHARES TR MSCI EAFE ETF 464287465 584,431 6,017 SH SOLE 0 0 6,017
EQUIFAX INC COM 294429105 522,203 2,900 SH SOLE 0 0 2,900
EDISON INTL COM 281020107 215,399 2,943 SH SOLE 0 0 2,943
EMERSON ELEC CO COM 291011104 273,439 2,087 SH SOLE 0 0 2,087
ENBRIDGE INC COM 29250N105 418,719 7,734 SH SOLE 0 0 7,734
ISHARES INC MSCI PAC JP ETF 464286665 15,942 300 SH SOLE 0 0 300
ISHARES INC MSCI BRAZIL ETF 464286400 38,390 1,000 SH SOLE 0 0 1,000
EXPEDITORS INTL WASH INC COM 302130109 487,841 3,406 SH SOLE 0 0 3,406
FIRST AMERN FINL CORP COM 31847R102 293,492 4,868 SH SOLE 0 0 4,868
FASTENAL CO COM 311900104 735,904 15,860 SH SOLE 0 0 15,860
FEDEX CORP COM 31428X106 507,200 1,424 SH SOLE 0 0 1,424
FIFTH THIRD BANCORP COM 316773100 317,090 6,825 SH SOLE 0 0 6,825
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 5,336,311 191,609 SH SOLE 0 0 191,609
GENERAL DYNAMICS CORP COM 369550108 319,776 932 SH SOLE 0 0 932
VANECK ETF TRUST GOLD MINERS ETF 92189F106 206,483 2,250 SH SOLE 0 0 2,250
GE AEROSPACE COM NEW 369604301 775,260 2,732 SH SOLE 0 0 2,732
GE VERNOVA INC COM 36828A101 642,454 736 SH SOLE 0 0 736
GILEAD SCIENCES INC COM 375558103 1,009,070 7,240 SH SOLE 0 0 7,240
GENERAL MILLS INC COM 370334104 201,211 5,406 SH SOLE 0 0 5,406
SPDR GOLD TR GOLD SHS 78463V107 3,008,588 6,992 SH SOLE 0 0 6,992
ALPHABET INC CAP STK CL C 02079K107 1,463,276 5,101 SH SOLE 0 0 5,101
ALPHABET INC CAP STK CL A 02079K305 4,086,803 14,212 SH SOLE 0 0 14,212
HOME DEPOT INC COM 437076102 2,278,259 6,927 SH SOLE 0 0 6,927
HONEYWELL INTL INC COM 438516106 325,935 1,442 SH SOLE 0 0 1,442
ISHARES GOLD TR ISHARES NEW 464285204 1,297,010 14,712 SH SOLE 0 0 14,712
ISHARES TR ISHARES BIOTECH 464287556 20,262 120 SH SOLE 0 0 120
INTERNATIONAL BUSINESS MACHS COM 459200101 692,993 2,859 SH SOLE 0 0 2,859
IDEXX LABS INC COM 45168D104 518,624 923 SH SOLE 0 0 923
ISHARES TR EUROPE ETF 464287861 27,176 400 SH SOLE 0 0 400
ISHARES TR CORE S&P MCP ETF 464287507 386,609 5,725 SH SOLE 0 0 5,725
ISHARES TR CORE S&P SCP ETF 464287804 295,361 2,376 SH SOLE 0 0 2,376
INTEL CORP COM 458140100 360,983 8,180 SH SOLE 0 0 8,180
IRON MTN INC DEL COM 46284V101 270,160 2,645 SH SOLE 0 0 2,645
ILLINOIS TOOL WKS INC COM 452308109 537,099 2,063 SH SOLE 0 0 2,063
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 12,022,183 117,922 SH SOLE 0 0 117,922
ISHARES TR CORE S&P500 ETF 464287200 574,825 880 SH SOLE 0 0 880
ISHARES TR RUS 1000 VAL ETF 464287598 42,734 200 SH SOLE 0 0 200
ISHARES TR RUS 1000 GRW ETF 464287614 149,240 350 SH SOLE 0 0 350
ISHARES TR RUSSELL 2000 ETF 464287655 128,960 520 SH SOLE 0 0 520
ISHARES TR RUS MID CAP ETF 464287499 256,687 2,640 SH SOLE 0 0 2,640
ISHARES TR U.S. ENERGY ETF 464287796 11,335 175 SH SOLE 0 0 175
ISHARES TR US HLTHCARE ETF 464287762 15,410 250 SH SOLE 0 0 250
JACOBS SOLUTIONS INC COM 46982L108 1,245,053 9,782 SH SOLE 0 0 9,782
JOHNSON CONTROLS INTERNATION SHS G51502105 208,341 1,591 SH SOLE 0 0 1,591
JOHNSON & JOHNSON COM 478160104 2,749,612 11,249 SH SOLE 0 0 11,249
JPMORGAN CHASE & CO COM 46625H100 4,401,222 14,962 SH SOLE 0 0 14,962
KLA CORP COM NEW 482480100 230,146 156 SH SOLE 0 0 156
KIMBERLY-CLARK CORP COM 494368103 506,275 5,248 SH SOLE 0 0 5,248
COCA COLA CO COM 191216100 1,286,234 16,913 SH SOLE 0 0 16,913
LINDE PLC SHS G54950103 575,082 1,160 SH SOLE 0 0 1,160
ELI LILLY & CO COM 532457108 653,956 711 SH SOLE 0 0 711
LOCKHEED MARTIN CORP COM 539830109 278,983 462 SH SOLE 0 0 462
LOWES COS INC COM 548661107 1,398,485 5,919 SH SOLE 0 0 5,919
MASTERCARD INCORPORATED CL A 57636Q104 842,230 1,686 SH SOLE 0 0 1,686
MCDONALDS CORP COM 580135101 725,384 2,334 SH SOLE 0 0 2,334
MCKESSON CORP COM 58155Q103 302,876 350 SH SOLE 0 0 350
MEDTRONIC PLC SHS G5960L103 1,027,161 11,854 SH SOLE 0 0 11,854
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 383,008 621 SH SOLE 0 0 621
MERCADOLIBRE INC COM 58733R102 262,811 152 SH SOLE 0 0 152
META PLATFORMS INC CL A 30303M102 723,358 2,358 SH SOLE 0 0 2,358
3M CO COM 88579Y101 447,111 3,079 SH SOLE 0 0 3,079
ALTRIA GROUP INC COM 02209S103 361,955 5,485 SH SOLE 0 0 5,485
MERCK & CO INC COM 58933Y105 217,783 1,810 SH SOLE 0 0 1,810
MARSH & MCLENNAN COS INC COM 571748102 422,524 2,436 SH SOLE 0 0 2,436
MICROSOFT CORP COM 594918104 4,134,867 11,170 SH SOLE 0 0 11,170
MSC INDL DIRECT INC CL A 553530106 360,683 3,909 SH SOLE 0 0 3,909
MICRON TECHNOLOGY INC COM 595112103 537,841 1,592 SH SOLE 0 0 1,592
NUVEEN AMT FREE QLTY MUN INC COM 670657105 264,511 23,554 SH SOLE 0 0 23,554
NEW JERSEY RES CORP COM 646025106 346,077 6,301 SH SOLE 0 0 6,301
NIKE INC CL B 654106103 339,057 6,419 SH SOLE 0 0 6,419
NORFOLK SOUTHN CORP COM 655844108 859,780 2,996 SH SOLE 0 0 2,996
NVIDIA CORPORATION COM 67066G104 3,135,712 17,980 SH SOLE 0 0 17,980
ORACLE CORP COM 68389X105 348,651 2,370 SH SOLE 0 0 2,370
OREILLY AUTOMOTIVE INC COM 67103H107 692,325 7,500 SH SOLE 0 0 7,500
OTIS WORLDWIDE CORP COM 68902V107 254,287 3,299 SH SOLE 0 0 3,299
PEPSICO INC COM 713448108 1,235,079 7,953 SH SOLE 0 0 7,953
PFIZER INC COM 717081103 368,488 13,123 SH SOLE 0 0 13,123
PROCTER & GAMBLE CO COM 742718109 1,109,427 7,681 SH SOLE 0 0 7,681
PALANTIR TECHNOLOGIES INC CL A 69608A108 279,395 1,910 SH SOLE 0 0 1,910
PAYPAL HLDGS INC COM 70450Y103 290,970 6,433 SH SOLE 0 0 6,433
RTX CORPORATION COM 75513E101 1,252,500 6,493 SH SOLE 0 0 6,493
SPDR SERIES TRUST STATE STREET SPD 78464A607 10,602 105 SH SOLE 0 0 105
STARBUCKS CORP COM 855244109 396,846 4,430 SH SOLE 0 0 4,430
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 11,632 400 SH SOLE 0 0 400
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 45,696 1,821 SH SOLE 0 0 1,821
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 230,100 7,500 SH SOLE 0 0 7,500
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,950 200 SH SOLE 0 0 200
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17,478 600 SH SOLE 0 0 600
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,150 300 SH SOLE 0 0 300
SCHWAB CHARLES CORP COM 808513105 409,256 4,355 SH SOLE 0 0 4,355
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 15,384 600 SH SOLE 0 0 600
SPDR SERIES TRUST STATE STREET SPD 78464A763 2,104,991 14,424 SH SOLE 0 0 14,424
SHELL PLC SPON ADS 780259305 225,525 2,425 SH SOLE 0 0 2,425
ISHARES SILVER TR ISHARES 46428Q109 465,056 6,825 SH SOLE 0 0 6,825
SYNOPSYS INC COM 871607107 753,312 1,900 SH SOLE 0 0 1,900
SOUTHERN CO COM 842587107 817,834 8,473 SH SOLE 0 0 8,473
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 845,442 1,300 SH SOLE 0 0 1,300
CONSTELLATION BRANDS INC CL A 21036P108 822,000 5,480 SH SOLE 0 0 5,480
STRYKER CORPORATION COM 863667101 459,040 1,397 SH SOLE 0 0 1,397
SYSCO CORP COM 871829107 416,139 5,834 SH SOLE 0 0 5,834
AT&T INC COM 00206R102 341,009 11,763 SH SOLE 0 0 11,763
TARGET CORP COM 87612E106 455,954 3,762 SH SOLE 0 0 3,762
FLEXSHARES TR MORNSTAR USMKT 33939L100 242,574 1,005 SH SOLE 0 0 1,005
TRIMBLE INC COM 896239100 326,150 5,000 SH SOLE 0 0 5,000
TEXAS INSTRS INC COM 882508104 811,505 4,180 SH SOLE 0 0 4,180
UNION PAC CORP COM 907818108 1,217,467 5,018 SH SOLE 0 0 5,018
UNITED PARCEL SVCS INC CL B 911312106 780,021 7,929 SH SOLE 0 0 7,929
US BANCORP COM NEW 902973304 287,284 5,524 SH SOLE 0 0 5,524
VISA INC COM CL A 92826C839 400,871 1,326 SH SOLE 0 0 1,326
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,711,718 6,535 SH SOLE 0 0 6,535
VANGUARD INDEX FDS SML CP GRW ETF 922908595 12,090 40 SH SOLE 0 0 40
VANGUARD INDEX FDS SM CP VAL ETF 922908611 10,863 50 SH SOLE 0 0 50
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 13,894 185 SH SOLE 0 0 185
VANGUARD WORLD FD FINANCIALS ETF 92204A405 48,324 400 SH SOLE 0 0 400
VANGUARD WORLD FD INF TECH ETF 92204A702 15,350 22 SH SOLE 0 0 22
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 1,324,521 4,864 SH SOLE 0 0 4,864
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 12,563,187 58,417 SH SOLE 0 0 58,417
VULCAN MATLS CO COM 929160109 510,835 1,876 SH SOLE 0 0 1,876
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 69,787 787 SH SOLE 0 0 787
VANGUARD INDEX FDS MID CAP ETF 922908629 751,032 2,615 SH SOLE 0 0 2,615
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 212,106 1,151 SH SOLE 0 0 1,151
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,183 7 SH SOLE 0 0 7
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,520,083 24,145 SH SOLE 0 0 24,145
VANGUARD INDEX FDS TOTAL STK MKT 922908769 49,073,307 152,967 SH SOLE 0 0 152,967
VANGUARD INDEX FDS VALUE ETF 922908744 137,340 700 SH SOLE 0 0 700
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 3,156,900 63,411 SH SOLE 0 0 63,411
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 103,843 1,921 SH SOLE 0 0 1,921
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,999,289 38,896 SH SOLE 0 0 38,896
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 661,099 4,464 SH SOLE 0 0 4,464
VERIZON COMMUNICATIONS INC COM 92343V104 256,924 5,118 SH SOLE 0 0 5,118
WATERS CORP COM 941848103 758,794 2,548 SH SOLE 0 0 2,548
WELLTOWER INC COM 95040Q104 266,909 1,350 SH SOLE 0 0 1,350
WASTE MGMT INC DEL COM 94106L109 873,202 3,800 SH SOLE 0 0 3,800
WALMART INC COM 931142103 2,067,414 16,635 SH SOLE 0 0 16,635
SELECT SECTOR SPDR TR STATE STREET MAT 81369Y100 259,844 5,200 SH SOLE 0 0 5,200
SELECT SECTOR SPDR TR STATE STREET ENE 81369Y506 1,219,687 19,910 SH SOLE 0 0 19,910
SELECT SECTOR SPDR TR STATE STREET HEA 81369Y209 1,044,010 7,121 SH SOLE 0 0 7,121
EXXON MOBIL CORP COM 30231G102 2,234,880 13,173 SH SOLE 0 0 13,173
ZIMMER BIOMET HOLDINGS INC COM 98956P102 230,933 2,554 SH SOLE 0 0 2,554
ZOETIS INC CL A 98978V103 381,227 3,225 SH SOLE 0 0 3,225