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 707,279 4,368 SH SOLE 0 0 4,368
ABBOTT LABORATORIES COM 002824100 355,792 3,921 SH SOLE 0 0 3,921
ABBVIE INC COM 00287Y109 349,528 1,389 SH SOLE 0 0 1,389
ALPHABET INC CAP STK CL A 02079K305 924,874 2,588 SH SOLE 0 0 2,588
ALPHABET INC CAP STK CL C 02079K107 592,248 1,676 SH SOLE 0 0 1,676
AMAZON COM INC COM 023135106 610,389 2,561 SH SOLE 0 0 2,561
APPLE INC COM 037833100 4,665,576 16,124 SH SOLE 0 0 16,124
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,076,339 2,151 SH SOLE 0 0 2,151
BLACKROCK ENHANCED EQUITY DI COM 09251A104 132,363 13,831 SH SOLE 0 0 13,831
CALAMOS ETF TR S&P 500 STR JULY 12811T803 261,351 9,447 SH SOLE 0 0 9,447
CALAMOS ETF TR S&P 500 STR SEPT 12811T886 222,981 8,018 SH SOLE 0 0 8,018
CALAMOS ETF TR S&P 500 STRUCT 12811T787 641,729 24,970 SH SOLE 0 0 24,970
CARRIER GLOBAL CORPORATION COM 14448C104 368,730 5,027 SH SOLE 0 0 5,027
CATERPILLAR INC COM 149123101 348,222 327 SH SOLE 0 0 327
CHEVRON CORPORATION COM 166764100 321,270 1,938 SH SOLE 0 0 1,938
CISCO SYS INC COM 17275R102 308,333 2,625 SH SOLE 0 0 2,625
COHEN & STEERS ETF TRUST REAL EST ACT ETF 19249U104 513,479 18,093 SH SOLE 0 0 18,093
CORNING INC COM 219350105 212,773 833 SH SOLE 0 0 833
COSTCO WHOLESALE CORPORATION COM 22160K105 580,386 620 SH SOLE 0 0 620
DEERE & CO COM 244199105 521,419 822 SH SOLE 0 0 822
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 7,391,412 173,234 SH SOLE 0 0 173,234
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 7,163,223 247,263 SH SOLE 2,221 0 245,042
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 7,413,956 179,710 SH SOLE 0 0 179,710
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 16,762,172 310,296 SH SOLE 485 0 309,811
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 377,010 10,763 SH SOLE 0 0 10,763
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 12,156,408 302,926 SH SOLE 1,847 0 301,079
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 848,477 10,355 SH SOLE 0 0 10,355
DIMENSIONAL ETF TRUST US LARG VALU ETF 25434V666 1,149,032 29,060 SH SOLE 0 0 29,060
DIMENSIONAL ETF TRUST US REAL ESTA ETF 25434V823 1,304,771 49,877 SH SOLE 0 0 49,877
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V815 11,326,720 292,001 SH SOLE 192 0 291,809
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 223,271 3,194 SH SOLE 0 0 3,194
ELI LILLY & CO COM 532457108 932,292 777 SH SOLE 0 0 777
ENTERPRISE PRODS PARTNERS L COM 293792107 279,913 7,615 SH SOLE 0 0 7,615
EVERSOURCE ENERGY COM 30040W108 249,476 3,452 SH SOLE 0 0 3,452
EXXON MOBIL CORP COM 30231G102 1,564,559 11,444 SH SOLE 0 0 11,444
GE AEROSPACE COM NEW 369604301 400,671 1,072 SH SOLE 0 0 1,072
GE VERNOVA INC COM 36828A101 311,340 265 SH SOLE 0 0 265
GENERAL DYNAMICS CORP COM 369550108 399,472 1,128 SH SOLE 0 0 1,128
HOME DEPOT INC COM 437076102 304,050 862 SH SOLE 0 0 862
INNOVATOR ETFS TRUST US EQT ACC 9 BFR 45783Y780 9,757,817 288,650 SH SOLE 1,836 0 286,814
INNOVATOR ETFS TRUST US EQT ULTRA BF 45782C672 328,640 7,809 SH SOLE 0 0 7,809
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C508 740,467 14,962 SH SOLE 0 0 14,962
INNOVATOR ETFS TRUST US EQUITY ACCELE 45783Y301 320,219 7,634 SH SOLE 0 0 7,634
INTEL CORP COM 458140100 237,338 1,700 SH SOLE 0 0 1,700
INTERNATIONAL BUSINESS MACHS COM 459200101 468,678 1,667 SH SOLE 0 0 1,667
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 354,426 8,109 SH SOLE 0 0 8,109
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 1,583,929 29,316 SH SOLE 0 0 29,316
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 672,223 12,053 SH SOLE 0 0 12,053
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 642,135 3,018 SH SOLE 0 0 3,018
INVESCO QQQ TR UNIT SER 1 46090E103 4,983,806 6,768 SH SOLE 0 0 6,768
ISHARES GOLD TR ISHARES NEW 464285204 17,645,010 233,678 SH SOLE 639 0 233,039
ISHARES TR CORE S&P MCP ETF 464287507 5,148,695 66,771 SH SOLE 0 0 66,771
ISHARES TR CORE S&P SCP ETF 464287804 1,587,869 10,706 SH SOLE 0 0 10,706
ISHARES TR CORE S&P500 ETF 464287200 9,198,200 12,282 SH SOLE 18 0 12,264
ISHARES TR EAFE GRWTH ETF 464288885 4,973,705 39,975 SH SOLE 0 0 39,975
ISHARES TR EAFE SML CP ETF 464288273 1,316,050 15,997 SH SOLE 0 0 15,997
ISHARES TR INTL SEL DIV ETF 464288448 2,967,823 71,635 SH SOLE 559 0 71,076
ISHARES TR JPMORGAN USD EMG 464288281 368,841 3,825 SH SOLE 0 0 3,825
ISHARES TR MSCI EMG MKT ETF 464287234 217,794 3,184 SH SOLE 0 0 3,184
ISHARES TR MSCI USA QLT FCT 46432F339 347,357 1,583 SH SOLE 0 0 1,583
ISHARES TR NATIONAL MUN ETF 464288414 1,839,705 17,094 SH SOLE 0 0 17,094
ISHARES TR RUS 1000 ETF 464287622 241,196 589 SH SOLE 0 0 589
ISHARES TR S&P 500 GRWT ETF 464287309 20,385,919 148,229 SH SOLE 63 0 148,166
ISHARES TR S&P 500 VAL ETF 464287408 4,922,331 21,679 SH SOLE 221 0 21,458
ISHARES TR S&P MC 400GR ETF 464287606 21,461,713 182,653 SH SOLE 0 0 182,653
ISHARES TR S&P MC 400VL ETF 464287705 23,124,138 156,530 SH SOLE 219 0 156,311
ISHARES TR S&P SML 600 GWT 464287887 22,863,020 128,012 SH SOLE 0 0 128,012
ISHARES TR SELECT DIVID ETF 464287168 406,644 2,602 SH SOLE 0 0 2,602
ISHARES TR SP SMCP600VL ETF 464287879 10,024,475 73,343 SH SOLE 0 0 73,343
ISHARES TR TIPS BD ETF 464287176 1,587,264 14,505 SH SOLE 0 0 14,505
ISHARES TR US TREAS BD ETF 46429B267 4,515,694 198,231 SH SOLE 0 0 198,231
JOHNSON & JOHNSON COM 478160104 2,451,572 9,653 SH SOLE 0 0 9,653
JPMORGAN CHASE & CO COM 46625H100 766,934 2,343 SH SOLE 0 0 2,343
LAM RESEARCH CORP COM NEW 512807306 621,829 1,435 SH SOLE 0 0 1,435
LOWES COS INC COM 548661107 256,650 1,164 SH SOLE 0 0 1,164
MCDONALDS CORP COM 580135101 242,189 896 SH SOLE 0 0 896
MERCK & CO INC COM 58933Y105 417,133 3,246 SH SOLE 0 0 3,246
META PLATFORMS INC CL A 30303M102 580,560 1,031 SH SOLE 0 0 1,031
MICROSOFT CORP COM 594918104 1,221,830 3,276 SH SOLE 0 0 3,276
NVIDIA CORPORATION COM 67066G104 431,615 2,157 SH SOLE 0 0 2,157
PEPSICO INC COM 713448108 430,330 3,178 SH SOLE 0 0 3,178
PROCTER & GAMBLE CO COM 742718109 362,201 2,470 SH SOLE 0 0 2,470
PROVIDENT FINL SVCS INC COM 74386T105 476,393 20,152 SH SOLE 0 0 20,152
PUBLIC SVC ENTERPRISE GROUP COM 744573106 268,938 3,314 SH SOLE 0 0 3,314
REALTY INCOME CORP COM 756109104 795,611 12,841 SH SOLE 0 0 12,841
ROYAL CARIBBEAN GROUP COM V7780T103 212,110 668 SH SOLE 0 0 668
RTX CORPORATION COM 75513E101 994,565 5,242 SH SOLE 0 0 5,242
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 485,185 13,381 SH SOLE 1,143 0 12,238
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 2,378,255 48,976 SH SOLE 0 0 48,976
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 13,010,357 418,339 SH SOLE 0 0 418,339
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 282,423 9,752 SH SOLE 0 0 9,752
SELECTIVE INS GROUP INC COM 816300107 1,053,723 10,862 SH SOLE 0 0 10,862
SPDR GOLD TR GOLD SHS 78463V107 3,790,013 10,288 SH SOLE 0 0 10,288
SPDR SERIES TRUST ST STR SP DIV 78464A763 201,355 1,323 SH SOLE 0 0 1,323
SPDR SERIES TRUST ST STR SP400GRW 78464A821 295,449 2,636 SH SOLE 0 0 2,636
SPDR SERIES TRUST ST STR SP400VAL 78464A839 627,507 6,616 SH SOLE 0 0 6,616
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,940,181 2,598 SH SOLE 0 0 2,598
TESLA INC COM 88160R101 288,952 687 SH SOLE 0 0 687
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,805,125 153,913 SH SOLE 277 0 153,636
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,814,725 61,799 SH SOLE 0 0 61,799
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 235,426 3,207 SH SOLE 0 0 3,207
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 2,997,647 61,896 SH SOLE 0 0 61,896
VANGUARD INDEX FDS GROWTH ETF 922908736 902,027 10,472 SH SOLE 0 0 10,472
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 3,526,625 11,514 SH SOLE 0 0 11,514
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,265,347 21,586 SH SOLE 0 0 21,586
VANGUARD INDEX FDS MID CAP ETF 922908629 603,491 7,490 SH SOLE 0 0 7,490
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,011,343 31,228 SH SOLE 0 0 31,228
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 225,248 328 SH SOLE 0 0 328
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,523,409 10,385 SH SOLE 0 0 10,385
VANGUARD INDEX FDS SMALL CP ETF 922908751 229,501 757 SH SOLE 0 0 757
VANGUARD INDEX FDS SML CP GRW ETF 922908595 3,101,257 8,480 SH SOLE 0 0 8,480
VANGUARD INDEX FDS TOTAL STK MKT 922908769 324,241 876 SH SOLE 0 0 876
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 381,227 6,387 SH SOLE 0 0 6,387
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,069,595 61,111 SH SOLE 0 0 61,111
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 3,994,651 78,977 SH SOLE 0 0 78,977
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,898,579 61,984 SH SOLE 0 0 61,984
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 297,663 2,800 SH SOLE 0 0 2,800
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 592,797 2,505 SH SOLE 0 0 2,505
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,033,135 28,535 SH SOLE 0 0 28,535
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 3,510,160 34,648 SH SOLE 0 0 34,648
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 13,121,580 83,032 SH SOLE 126 0 82,906
VERIZON COMMUNICATIONS INC COM 92343V104 268,420 6,340 SH SOLE 0 0 6,340
WISDOMTREE TR EMG MKTS SMCAP 97717W281 2,542,693 39,294 SH SOLE 0 0 39,294