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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
GENERAL MLS INC COM 370334104   345,147 5,456 SH   SOLE   0 0 5,456
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844   10,948,726 125,028 SH   SOLE   0 0 125,028
SPDR GOLD TR GOLD SHS 78463V107   2,268,356 10,550 SH   SOLE   0 0 10,550
ABBVIE INC COM 00287Y109   2,571,467 14,992 SH   SOLE   0 0 14,992
ABBOTT LABS COM 002824100   1,439,181 13,850 SH   SOLE   0 0 13,850
AMAZON COM INC COM 023135106   1,085,099 5,615 SH   SOLE   0 0 5,615
ISHARES GOLD TR ISHARES NEW 464285204   699,014 15,912 SH   SOLE   0 0 15,912
META PLATFORMS INC CL A 30303M102   546,633 2,180 SH   SOLE   0 0 2,180
PFIZER INC COM 717081103   554,731 19,826 SH   SOLE   0 0 19,826
REGENERON PHARMACEUTICALS COM 75886F107   304,799 290 SH   SOLE   0 0 290
VISA INC COM CL A 92826C839   360,882 1,375 SH   SOLE   0 0 1,375
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,077,967 7,396 SH   SOLE   0 0 7,396
APPLE INC COM 037833100   6,978,972 33,135 SH   SOLE   0 0 33,135
BRISTOL-MYERS SQUIBB CO COM 110122108   287,346 6,919 SH   SOLE   0 0 6,919
CATERPILLAR INC COM 149123101   753,527 2,262 SH   SOLE   0 0 2,262
THE CIGNA GROUP COM 125523100   1,458,907 4,413 SH   SOLE   0 0 4,413
CHEVRON CORP NEW COM 166764100   710,460 4,542 SH   SOLE   0 0 4,542
GILEAD SCIENCES INC COM 375558103   567,022 8,264 SH   SOLE   0 0 8,264
ALPHABET INC CAP STK CL C 02079K107   942,870 5,140 SH   SOLE   0 0 5,140
JOHNSON & JOHNSON COM 478160104   2,058,517 14,084 SH   SOLE   0 0 14,084
KENVUE INC COM 49177J102   182,309 10,028 SH   SOLE   0 0 10,028
MASTERCARD INCORPORATED CL A 57636Q104   794,187 1,800 SH   SOLE   0 0 1,800
MCDONALDS CORP COM 580135101   1,125,628 4,417 SH   SOLE   0 0 4,417
MERCADOLIBRE INC COM 58733R102   249,797 152 SH   SOLE   0 0 152
PEPSICO INC COM 713448108   1,344,910 8,154 SH   SOLE   0 0 8,154
STRYKER CORPORATION COM 863667101   559,711 1,645 SH   SOLE   0 0 1,645
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   74,611 1,705 SH   SOLE   0 0 1,705
VERIZON COMMUNICATIONS INC COM 92343V104   261,998 6,353 SH   SOLE   0 0 6,353
WALMART INC COM 931142103   1,608,473 23,755 SH   SOLE   0 0 23,755
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   3,429,324 8,430 SH   SOLE   0 0 8,430
CHECK POINT SOFTWARE TECH LT ORD M22465104   860,475 5,215 SH   SOLE   0 0 5,215
CISCO SYS INC COM 17275R102   684,878 14,415 SH   SOLE   0 0 14,415
ISHARES TR SELECT DIVID ETF 464287168   2,074,323 17,146 SH   SOLE   0 0 17,146
ENBRIDGE INC COM 29250N105   335,863 9,437 SH   SOLE   0 0 9,437
EXPEDITORS INTL WASH INC COM 302130109   459,227 3,680 SH   SOLE   0 0 3,680
GENERAL DYNAMICS CORP COM 369550108   299,350 1,032 SH   SOLE   0 0 1,032
HOME DEPOT INC COM 437076102   2,802,647 8,142 SH   SOLE   0 0 8,142
JACOBS SOLUTIONS INC COM 46982L108   1,478,411 10,582 SH   SOLE   0 0 10,582
JPMORGAN CHASE & CO. COM 46625H100   3,069,902 15,178 SH   SOLE   0 0 15,178
LOWES COS INC COM 548661107   1,693,894 7,683 SH   SOLE   0 0 7,683
ALTRIA GROUP INC COM 02209S103   263,507 5,785 SH   SOLE   0 0 5,785
MSC INDL DIRECT INC CL A 553530106   335,799 4,234 SH   SOLE   0 0 4,234
NOVARTIS AG SPONSORED ADR 66987V109   1,461,696 13,730 SH   SOLE   0 0 13,730
TOYOTA MOTOR CORP ADS 892331307   363,207 1,772 SH   SOLE   0 0 1,772
VULCAN MATLS CO COM 929160109   778,866 3,132 SH   SOLE   0 0 3,132
ZIMMER BIOMET HOLDINGS INC COM 98956P102   293,465 2,704 SH   SOLE   0 0 2,704
ZOETIS INC CL A 98978V103   606,413 3,498 SH   SOLE   0 0 3,498
APPLIED MATLS INC COM 038222105   2,877,168 12,192 SH   SOLE   0 0 12,192
FIRST AMERN FINL CORP COM 31847R102   264,409 4,901 SH   SOLE   0 0 4,901
PAYCHEX INC COM 704326107   278,605 2,350 SH   SOLE   0 0 2,350
PROCTER AND GAMBLE CO COM 742718109   1,385,567 8,401 SH   SOLE   0 0 8,401
EXXON MOBIL CORP COM 30231G102   1,546,463 13,433 SH   SOLE   0 0 13,433
SPDR S&P 500 ETF TR TR UNIT 78462F103   730,887 1,343 SH   SOLE   0 0 1,343
AUTOMATIC DATA PROCESSING IN COM 053015103   2,826,174 11,840 SH   SOLE   0 0 11,840
AMGEN INC COM 031162100   1,392,718 4,457 SH   SOLE   0 0 4,457
AMERICAN EXPRESS CO COM 025816109   488,802 2,111 SH   SOLE   0 0 2,111
DEERE & CO COM 244199105   371,662 995 SH   SOLE   0 0 995
ISHARES TR MSCI EAFE ETF 464287465   486,978 6,217 SH   SOLE   0 0 6,217
GE AEROSPACE COM NEW 369604301   431,921 2,717 SH   SOLE   0 0 2,717
ISHARES TR RUSSELL 2000 ETF 464287655   144,052 710 SH   SOLE   0 0 710
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   375,091 701 SH   SOLE   0 0 701
3M CO COM 88579Y101   381,388 3,732 SH   SOLE   0 0 3,732
MICROSOFT CORP COM 594918104   6,124,178 13,702 SH   SOLE   0 0 13,702
WATERS CORP COM 941848103   743,287 2,562 SH   SOLE   0 0 2,562
SPDR SER TR S&P DIVID ETF 78464A763   1,921,627 15,110 SH   SOLE   0 0 15,110
INTERNATIONAL BUSINESS MACHS COM 459200101   511,759 2,959 SH   SOLE   0 0 2,959
DISNEY WALT CO COM 254687106   758,524 7,639 SH   SOLE   0 0 7,639
FEDEX CORP COM 31428X106   501,932 1,674 SH   SOLE   0 0 1,674
ALPHABET INC CAP STK CL A 02079K305   3,485,440 19,135 SH   SOLE   0 0 19,135
SCHWAB CHARLES CORP COM 808513105   281,349 3,818 SH   SOLE   0 0 3,818
ISHARES SILVER TR ISHARES 46428Q109   331,461 12,475 SH   SOLE   0 0 12,475
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   7,193,458 39,405 SH   SOLE   0 0 39,405
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   2,419,817 20,596 SH   SOLE   0 0 20,596
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,798,425 29,825 SH   SOLE   0 0 29,825
SYSCO CORP COM 871829107   425,413 5,959 SH   SOLE   0 0 5,959
COLGATE PALMOLIVE CO COM 194162103   1,955,453 20,151 SH   SOLE   0 0 20,151
EBAY INC. COM 278642103   588,858 10,962 SH   SOLE   0 0 10,962
EDISON INTL COM 281020107   266,413 3,710 SH   SOLE   0 0 3,710
KIMBERLY-CLARK CORP COM 494368103   752,914 5,448 SH   SOLE   0 0 5,448
LOCKHEED MARTIN CORP COM 539830109   215,263 461 SH   SOLE   0 0 461
MEDTRONIC PLC SHS G5960L103   1,123,990 14,280 SH   SOLE   0 0 14,280
PAYPAL HLDGS INC COM 70450Y103   399,130 6,878 SH   SOLE   0 0 6,878
UNILEVER PLC SPON ADR NEW 904767704   793,310 14,426 SH   SOLE   0 0 14,426
SELECT SECTOR SPDR TR ENERGY 81369Y506   943,858 10,355 SH   SOLE   0 0 10,355
AMERICAN ELEC PWR CO INC COM 025537101   476,691 5,433 SH   SOLE   0 0 5,433
CARRIER GLOBAL CORPORATION COM 14448C104   271,244 4,300 SH   SOLE   0 0 4,300
ISHARES TR MSCI EMG MKT ETF 464287234   24,702 580 SH   SOLE   0 0 580
EMERSON ELEC CO COM 291011104   229,904 2,087 SH   SOLE   0 0 2,087
ISHARES TR RUS 1000 VAL ETF 464287598   34,894 200 SH   SOLE   0 0 200
LINDE PLC SHS G54950103   640,663 1,460 SH   SOLE   0 0 1,460
OTIS WORLDWIDE CORP COM 68902V107   358,472 3,724 SH   SOLE   0 0 3,724
RTX CORPORATION COM 75513E101   691,988 6,893 SH   SOLE   0 0 6,893
SPDR SER TR DJ REIT ETF 78464A607   9,776 105 SH   SOLE   0 0 105
AT&T INC COM 00206R102   245,812 12,863 SH   SOLE   0 0 12,863
TARGET CORP COM 87612E106   586,534 3,962 SH   SOLE   0 0 3,962
UNITEDHEALTH GROUP INC COM 91324P102   578,010 1,135 SH   SOLE   0 0 1,135
UNITED PARCEL SERVICE INC CL B 911312106   1,282,395 9,371 SH   SOLE   0 0 9,371
WASTE MGMT INC DEL COM 94106L109   871,494 4,085 SH   SOLE   0 0 4,085
BOOKING HOLDINGS INC COM 09857L108   582,615 147 SH   SOLE   0 0 147
BLACKROCK INC COM 09247X101   481,824 612 SH   SOLE   0 0 612
INTEL CORP COM 458140100   418,869 13,525 SH   SOLE   0 0 13,525
MERCK & CO INC COM 58933Y105   509,776 4,118 SH   SOLE   0 0 4,118
NVIDIA CORPORATION COM 67066G104   2,149,596 17,400 SH   SOLE   0 0 17,400
NOVO-NORDISK A S ADR 670100205   1,545,874 10,830 SH   SOLE   0 0 10,830
ORACLE CORP COM 68389X105   514,674 3,645 SH   SOLE   0 0 3,645
STARBUCKS CORP COM 855244109   348,147 4,472 SH   SOLE   0 0 4,472
FIFTH THIRD BANCORP COM 316773100   279,696 7,665 SH   SOLE   0 0 7,665
CENCORA INC COM 03073E105   344,878 1,531 SH   SOLE   0 0 1,531
CSX CORP COM 126408103   829,560 24,800 SH   SOLE   0 0 24,800
DIAGEO PLC SPON ADR NEW 25243Q205   698,222 5,538 SH   SOLE   0 0 5,538
ISHARES INC MSCI PAC JP ETF 464286665   12,900 300 SH   SOLE   0 0 300
FASTENAL CO COM 311900104   617,089 9,820 SH   SOLE   0 0 9,820
IRON MTN INC DEL COM 46284V101   257,837 2,877 SH   SOLE   0 0 2,877
COCA COLA CO COM 191216100   1,131,277 17,773 SH   SOLE   0 0 17,773
MCKESSON CORP COM 58155Q103   204,414 350 SH   SOLE   0 0 350
NORFOLK SOUTHN CORP COM 655844108   679,492 3,165 SH   SOLE   0 0 3,165
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   194,400 2,500 SH   SOLE   0 0 2,500
SOUTHERN CO COM 842587107   793,826 10,234 SH   SOLE   0 0 10,234
TRIMBLE INC COM 896239100   279,600 5,000 SH   SOLE   0 0 5,000
UNION PAC CORP COM 907818108   1,296,470 5,730 SH   SOLE   0 0 5,730
US BANCORP DEL COM NEW 902973304   225,438 5,679 SH   SOLE   0 0 5,679
VANGUARD INDEX FDS VALUE ETF 922908744   112,287 700 SH   SOLE   0 0 700
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   300,254 3,400 SH   SOLE   0 0 3,400
CONOCOPHILLIPS COM 20825C104   375,395 3,282 SH   SOLE   0 0 3,282
CINTAS CORP COM 172908105   731,772 1,045 SH   SOLE   0 0 1,045
MODERNA INC COM 60770K107   274,906 2,315 SH   SOLE   0 0 2,315
HANESBRANDS INC COM 410345102   54,105 10,975 SH   SOLE   0 0 10,975
ILLINOIS TOOL WKS INC COM 452308109   549,852 2,320 SH   SOLE   0 0 2,320
ANALOG DEVICES INC COM 032654105   408,083 1,788 SH   SOLE   0 0 1,788
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   407,593 2,069 SH   SOLE   0 0 2,069
CBOE GLOBAL MKTS INC COM 12503M108   306,108 1,800 SH   SOLE   0 0 1,800
COSTCO WHSL CORP NEW COM 22160K105   730,991 860 SH   SOLE   0 0 860
ISHARES TR ISHARES BIOTECH 464287556   73,709 537 SH   SOLE   0 0 537
ISHARES TR EUROPE ETF 464287861   21,904 400 SH   SOLE   0 0 400
OREILLY AUTOMOTIVE INC COM 67103H107   633,636 600 SH   SOLE   0 0 600
NIKE INC CL B 654106103   526,489 6,985 SH   SOLE   0 0 6,985
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   228,039 1,312 SH   SOLE   0 0 1,312
TEXAS INSTRS INC COM 882508104   842,315 4,330 SH   SOLE   0 0 4,330
ISHARES TR CORE S&P MCP ETF 464287507   335,027 5,725 SH   SOLE   0 0 5,725
ISHARES TR CORE S&P SCP ETF 464287804   248,518 2,330 SH   SOLE   0 0 2,330
CONSTELLATION BRANDS INC CL A 21036P108   1,438,195 5,590 SH   SOLE   0 0 5,590
HONEYWELL INTL INC COM 438516106   307,925 1,442 SH   SOLE   0 0 1,442
BOSTON SCIENTIFIC CORP COM 101137107   613,770 7,970 SH   SOLE   0 0 7,970
IDEXX LABS INC COM 45168D104   491,098 1,008 SH   SOLE   0 0 1,008
ELI LILLY & CO COM 532457108   774,100 855 SH   SOLE   0 0 855
ISHARES TR U.S. ENERGY ETF 464287796   8,400 175 SH   SOLE   0 0 175
ISHARES TR US HLTHCARE ETF 464287762   15,318 250 SH   SOLE   0 0 250
COTERRA ENERGY INC COM 127097103   492,408 18,463 SH   SOLE   0 0 18,463
DOVER CORP COM 260003108   203,006 1,125 SH   SOLE   0 0 1,125
VANGUARD INDEX FDS SMALL CP ETF 922908751   21,150 97 SH   SOLE   0 0 97
ISHARES TR CORE S&P500 ETF 464287200   164,169 300 SH   SOLE   0 0 300
VANGUARD INDEX FDS MID CAP ETF 922908629   43,094 178 SH   SOLE   0 0 178
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   55,705 867 SH   SOLE   0 0 867
NEW JERSEY RES CORP COM 646025106   269,141 6,297 SH   SOLE   0 0 6,297
ISHARES INC MSCI BRAZIL ETF 464286400   27,330 1,000 SH   SOLE   0 0 1,000
MARSH & MCLENNAN COS INC COM 571748102   513,314 2,436 SH   SOLE   0 0 2,436
ISHARES INC MSCI EMERG MRKT 464286533   645,043 11,275 SH   SOLE   0 0 11,275
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,848 185 SH   SOLE   0 0 185
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   9,490 200 SH   SOLE   0 0 200
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   22,005 350 SH   SOLE   0 0 350
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,842 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   15,126 150 SH   SOLE   0 0 150
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   7,408 100 SH   SOLE   0 0 100
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   42,511 85 SH   SOLE   0 0 85
BANK AMERICA CORP COM 060505104   487,501 12,258 SH   SOLE   0 0 12,258
EQUIFAX INC COM 294429105   703,134 2,900 SH   SOLE   0 0 2,900
AUTOZONE INC COM 053332102   216,379 73 SH   SOLE   0 0 73
LABCORP HOLDINGS INC COM SHS 504922105   325,820 1,601 SH   SOLE   0 0 1,601
SYNOPSYS INC COM 871607107   1,130,614 1,900 SH   SOLE   0 0 1,900