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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P MCP ETF 464287507   10,906 175 SH   SOLE 0 0 0 175
ISHARES TR CORE S&P500 ETF 464287200   30,371,303 52,653 SH   SOLE 0 0 0 52,653
ISHARES TR RUS 1000 ETF 464287622   47,159 150 SH   SOLE 0 0 0 150
ISHARES TR RUSSELL 2000 ETF 464287655   3,092 14 SH   SOLE 0 0 0 14
SPDR S&P 500 ETF TR TR UNIT 78462F103   131,391 229 SH   SOLE 0 0 0 229
AMAZON COM INC COM 023135106   35,030 188 SH   SOLE 0 0 0 188
BOEING CO COM 097023105   25,543 168 SH   SOLE 0 0 0 168
INVESCO QQQ TR UNIT SER 1 46090E103   722,344 1,480 SH   SOLE 0 0 0 1,480
AMGEN INC COM 031162100   12,888 40 SH   SOLE 0 0 0 40
FEDEX CORP COM 31428X106   13,684 50 SH   SOLE 0 0 0 50
INTEL CORP COM 458140100   11,589 494 SH   SOLE 0 0 0 494
ORACLE CORP COM 68389X105   38,340 225 SH   SOLE 0 0 0 225
DISNEY WALT CO COM 254687106   45,516 473 SH   SOLE 0 0 0 473
MEDTRONIC PLC SHS G5960L103   810 9 SH   SOLE 0 0 0 9
PFIZER INC COM 717081103   1,707 59 SH   SOLE 0 0 0 59
ISHARES TR MSCI EAFE ETF 464287465   14,552 174 SH   SOLE 0 0 0 174
AT&T INC COM 00206R102   2,332 106 SH   SOLE 0 0 0 106
PRUDENTIAL FINL INC COM 744320102   12,110 100 SH   SOLE 0 0 0 100
CISCO SYS INC COM 17275R102   5,641 106 SH   SOLE 0 0 0 106
PEPSICO INC COM 713448108   8,503 50 SH   SOLE 0 0 0 50
VERIZON COMMUNICATIONS INC COM 92343V104   21,961 489 SH   SOLE 0 0 0 489
BANK AMERICA CORP COM 060505104   22,657 571 SH   SOLE 0 0 0 571
EXXON MOBIL CORP COM 30231G102   40,206 343 SH   SOLE 0 0 0 343
ASTRAZENECA PLC SPONSORED ADR 046353108   1,636 21 SH   SOLE 0 0 0 21
COMMERCE BANCSHARES INC COM 200525103   13,721 231 SH   SOLE 0 0 0 231
COSTCO WHSL CORP NEW COM 22160K105   54,964 62 SH   SOLE 0 0 0 62
MERCK & CO INC COM 58933Y105   341 3 SH   SOLE 0 0 0 3
PROCTER AND GAMBLE CO COM 742718109   21,650 125 SH   SOLE 0 0 0 125
HOME DEPOT INC COM 437076102   717,609 1,771 SH   SOLE 0 0 0 1,771
JPMORGAN CHASE & CO. COM 46625H100   250,713 1,189 SH   SOLE 0 0 0 1,189
FORD MTR CO COM 345370860   11 1 SH   SOLE 0 0 0 1
RTX CORPORATION COM 75513E101   33,319 275 SH   SOLE 0 0 0 275
3M CO COM 88579Y101   6,151 45 SH   SOLE 0 0 0 45
COMCAST CORP NEW CL A 20030N101   1,044 25 SH   SOLE 0 0 0 25
APPLE INC COM 037833100   1,103,022 4,734 SH   SOLE 0 0 0 4,734
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   14,274 160 SH   SOLE 0 0 0 160
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   957 20 SH   SOLE 0 0 0 20
PNC FINL SVCS GROUP INC COM 693475105   112,204 607 SH   SOLE 0 0 0 607
NETFLIX INC COM 64110L106   21,278 30 SH   SOLE 0 0 0 30
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   48,980 2,000 SH   SOLE 0 0 0 2,000
ISHARES TR SELECT DIVID ETF 464287168   16,343 121 SH   SOLE 0 0 0 121
CARNIVAL CORP UNIT 99/99/9999 143658300   7,669 415 SH   SOLE 0 0 0 415
NVIDIA CORPORATION COM 67066G104   154,350 1,271 SH   SOLE 0 0 0 1,271
TRAVELERS COMPANIES INC COM 89417E109   19,198 82 SH   SOLE 0 0 0 82
TOYOTA MOTOR CORP ADS 892331307   3,929 22 SH   SOLE 0 0 0 22
BECTON DICKINSON & CO COM 075887109   241 1 SH   SOLE 0 0 0 1
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   2,644 200 SH   SOLE 0 0 0 200
ALPHABET INC CAP STK CL A 02079K305   36,487 220 SH   SOLE 0 0 0 220
SPDR GOLD TR GOLD SHS 78463V107   513,586 2,113 SH   SOLE 0 0 0 2,113
VANGUARD INDEX FDS VALUE ETF 922908744   475,005 2,721 SH   SOLE 0 0 0 2,721
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   203,121 2,085 SH   SOLE 0 0 0 2,085
TORONTO DOMINION BK ONT COM NEW 891160509   10,375 164 SH   SOLE 0 0 0 164
VANGUARD INDEX FDS SMALL CP ETF 922908751   334,941 1,412 SH   SOLE 0 0 0 1,412
VANGUARD WORLD FD FINANCIALS ETF 92204A405   565,267 5,143 SH   SOLE 0 0 0 5,143
PARKER-HANNIFIN CORP COM 701094104   63,182 100 SH   SOLE 0 0 0 100
VANGUARD WORLD FD UTILITIES ETF 92204A876   253,939 1,459 SH   SOLE 0 0 0 1,459
COHEN & STEERS INFRASTRUCTUR COM 19248A109   1,302 50 SH   SOLE 0 0 0 50
UNITED AIRLS HLDGS INC COM 910047109   1,712 30 SH   SOLE 0 0 0 30
TIDAL TR II ROUNDHILL GENER 88636J600   12,498 334 SH   SOLE 0 0 0 334
SALESFORCE INC COM 79466L302   30,108 110 SH   SOLE 0 0 0 110
NEW JERSEY RES CORP COM 646025106   200,501 4,248 SH   SOLE 0 0 0 4,248
ISHARES TR US AER DEF ETF 464288760   144,253 964 SH   SOLE 0 0 0 964
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   457,821 7,267 SH   SOLE 0 0 0 7,267
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   245,631 1,916 SH   SOLE 0 0 0 1,916
INVESCO EXCHANGE TRADED FD T BUILDING & CONST 46137V779   26,976 339 SH   SOLE 0 0 0 339
CHIMERA INVT CORP COM SHS 16934Q802   1,314 83 SH   SOLE 0 0 0 83
ISHARES TR EAFE SML CP ETF 464288273   37,980 561 SH   SOLE 0 0 0 561
ISHARES TR GL CLEAN ENE ETF 464288224   11,796 803 SH   SOLE 0 0 0 803
WARNER BROS DISCOVERY INC COM SER A 934423104   206 25 SH   SOLE 0 0 0 25
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   340,915 5,125 SH   SOLE 0 0 0 5,125
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   18,015,988 438,132 SH   SOLE 0 0 0 438,132
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   13,677,010 265,573 SH   SOLE 0 0 0 265,573
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   636,540 6,110 SH   SOLE 0 0 0 6,110
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   3,593,423 44,711 SH   SOLE 0 0 0 44,711
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   5,861 97 SH   SOLE 0 0 0 97
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   669,266 17,370 SH   SOLE 0 0 0 17,370
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   3,324,302 113,924 SH   SOLE 0 0 0 113,924
TESLA INC COM 88160R101   23,547 90 SH   SOLE 0 0 0 90
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   8,375,286 170,994 SH   SOLE 0 0 0 170,994
SCHWAB STRATEGIC TR US TIPS ETF 808524870   10,980,260 204,741 SH   SOLE 0 0 0 204,741
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   5,277 10 SH   SOLE 0 0 0 10
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   265,839 5,667 SH   SOLE 0 0 0 5,667
SCHWAB STRATEGIC TR US REIT ETF 808524847   15,606,084 673,547 SH   SOLE 0 0 0 673,547
FIRST TR EXCHANGE TRADED FD S NETWRK FUT VEH 33734X309   15,254 263 SH   SOLE 0 0 0 263
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   26,716,980 562,226 SH   SOLE 0 0 0 562,226
FLEXSHARES TR IBOXX 5YR TRGT 33939L605   23,305 967 SH   SOLE 0 0 0 967
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   468,972 5,548 SH   SOLE 0 0 0 5,548
ISHARES TR MSCI USA MIN VOL 46429B697   3,013 33 SH   SOLE 0 0 0 33
META PLATFORMS INC CL A 30303M102   142,538 249 SH   SOLE 0 0 0 249
VANECK ETF TRUST BIOTECH ETF 92189F726   46,121 260 SH   SOLE 0 0 0 260
ISHARES TR CORE MSCI EAFE 46432F842   20,761 266 SH   SOLE 0 0 0 266
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   1,710 53 SH   SOLE 0 0 0 53
ISHARES TR HDG MSCI EAFE 46434V803   58,691 1,657 SH   SOLE 0 0 0 1,657
ALPHABET INC CAP STK CL C 02079K107   49,990 299 SH   SOLE 0 0 0 299
LIFEWARD LTD SHS M8216Q119   36 11 SH   SOLE 0 0 0 11
IMMUNITYBIO INC COM 45256X103   7,254 1,950 SH   SOLE 0 0 0 1,950
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   19,272 377 SH   SOLE 0 0 0 377
ISHARES TR ESG AWRE USD ETF 46435G193   1,737 73 SH   SOLE 0 0 0 73
VICTORY PORTFOLIOS II CORE INTERMEDIAT 92647N527   23,582 492 SH   SOLE 0 0 0 492
DOCUSIGN INC COM 256163106   34,584 557 SH   SOLE 0 0 0 557
FIDELITY COVINGTON TRUST SML MID MLTFCT 316092527   57,173 1,381 SH   SOLE 0 0 0 1,381
SCHWAB STRATEGIC TR LONG TERM US 808524680   100,351 2,868 SH   SOLE 0 0 0 2,868
OTIS WORLDWIDE CORP COM 68902V107   14,552 140 SH   SOLE 0 0 0 140
ROYALTY PHARMA PLC SHS CLASS A G7709Q104   21,161 748 SH   SOLE 0 0 0 748
SPDR SER TR BLOOMBERG 3-12 M 78468R523   644,083 6,468 SH   SOLE 0 0 0 6,468
ALPS ETF TR ACTIVE REIT ETF 00162Q445   82,113 2,814 SH   SOLE 0 0 0 2,814
COINBASE GLOBAL INC COM CL A 19260Q107   8,909 50 SH   SOLE 0 0 0 50
TRUMP MEDIA & TECHNOLOGY GRO COM 25400Q105   804 50 SH   SOLE 0 0 0 50
RIVIAN AUTOMOTIVE INC COM CL A 76954A103   79 7 SH   SOLE 0 0 0 7
SOLVENTUM CORP COM SHS 83444M101   767 11 SH   SOLE 0 0 0 11
SMURFIT WESTROCK PLC SHS G8267P108   7,660 155 SH   SOLE 0 0 0 155