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
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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
APPLE INC COM 037833100   1,712,534 7,349 SH   SOLE   0 0 7,349
AUTOMATIC DATA PROCESSING IN COM 053015103   1,152,303 4,164 SH   SOLE   0 0 4,164
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,593,489 40,146 SH   SOLE   0 0 40,146
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,979,641 21,562 SH   SOLE   0 0 21,562
BITWISE BITCOIN ETF TR SHS BEN INT 09174C104   205,430 5,939 SH   SOLE   0 0 5,939
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   323,405 1,504 SH   SOLE   0 0 1,504
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   846,878 1,840 SH   SOLE   0 0 1,840
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   431,786 5,487 SH   SOLE   0 0 5,487
CHUBB LIMITED COM H1467J104   521,758 1,809 SH   SOLE   0 0 1,809
THE CIGNA GROUP COM 125523100   225,532 651 SH   SOLE   0 0 651
CHEVRON CORP NEW COM 166764100   816,612 5,545 SH   SOLE   0 0 5,545
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   643,947 18,779 SH   SOLE   0 0 18,779
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   8,528,986 311,163 SH   SOLE   0 0 311,163
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   1,284,259 40,410 SH   SOLE   0 0 40,410
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   1,954,882 49,253 SH   SOLE   0 0 49,253
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617   247,647 3,902 SH   SOLE   0 0 3,902
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   1,976,673 70,219 SH   SOLE   0 0 70,219
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864   1,617,384 33,879 SH   SOLE   0 0 33,879
DIMENSIONAL ETF TRUST US SUSTAINABILTY 25434V716   427,643 11,501 SH   SOLE   0 0 11,501
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   549,213 13,173 SH   SOLE   0 0 13,173
WISDOMTREE TR EMG MKTS SMCAP 97717W281   6,390,834 119,009 SH   SOLE   0 0 119,009
DENISON MINES CORP COM 248356107   18,300 10,000 SH   SOLE   0 0 10,000
DIMENSIONAL ETF TRUST US HIGH PROFITAB 25434V831   288,361 8,463 SH   SOLE   0 0 8,463
ISHARES INC MSCI EMERG MRKT 464286533   901,736 14,381 SH   SOLE   0 0 14,381
WISDOMTREE TR US SMALLCAP FUND 97717W562   14,732,079 279,281 SH   SOLE   0 0 279,281
ISHARES TR MSCI EAFE MIN VL 46429B689   2,979,617 38,847 SH   SOLE   0 0 38,847
ISHARES TR JPMORGAN USD EMG 464288281   1,624,352 17,357 SH   SOLE   0 0 17,357
EVERSOURCE ENERGY COM 30040W108   309,127 4,542 SH   SOLE   0 0 4,542
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   574,336 9,207 SH   SOLE   0 0 9,207
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   2,893,140 61,898 SH   SOLE   0 0 61,898
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   10,617,030 178,227 SH   SOLE   0 0 178,227
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   6,007,161 157,461 SH   SOLE   0 0 157,461
J P MORGAN EXCHANGE TRADED F HEDGED EQUITY LA 46654Q724   2,373,415 38,819 SH   SOLE   0 0 38,819
HARTFORD FINL SVCS GROUP INC COM 416515104   217,813 1,852 SH   SOLE   0 0 1,852
ISHARES TR ISHS 1-5YR INVS 464288646   5,292,532 100,503 SH   SOLE   0 0 100,503
ISHARES TR MSCI INTL MOMENT 46434V449   13,693,873 339,125 SH   SOLE   0 0 339,125
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   28,689,760 502,183 SH   SOLE   0 0 502,183
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   240,414 4,719 SH   SOLE   0 0 4,719
JOHNSON & JOHNSON COM 478160104   308,912 1,906 SH   SOLE   0 0 1,906
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,240,850 24,455 SH   SOLE   0 0 24,455
LOWES COS INC COM 548661107   314,577 1,161 SH   SOLE   0 0 1,161
LEGG MASON ETF INVT FRANKLIN INTL LW 52468L505   748,077 24,069 SH   SOLE   0 0 24,069
MARRIOTT INTL INC NEW CL A 571903202   283,901 1,142 SH   SOLE   0 0 1,142
MERCK & CO INC COM 58933Y105   1,655,023 14,574 SH   SOLE   0 0 14,574
MICROSOFT CORP COM 594918104   372,438 865 SH   SOLE   0 0 865
ISHARES TR MSCI USA MMENTM 46432F396   959,306 4,731 SH   SOLE   0 0 4,731
NEW JERSEY RES CORP COM 646025106   758,015 16,059 SH   SOLE   0 0 16,059
NEW MTN FIN CORP COM 647551100   262,302 21,895 SH   SOLE   0 0 21,895
FLEXSHARES TR QUALT DIVD IDX 33939L860   441,359 6,154 SH   SOLE   0 0 6,154
ISHARES TR EAFE SML CP ETF 464288273   17,153,565 253,376 SH   SOLE   0 0 253,376
ISHARES TR SHRT NAT MUN ETF 464288158   951,186 8,957 SH   SOLE   0 0 8,957
AT&T INC COM 00206R102   276,298 12,559 SH   SOLE   0 0 12,559
TEXAS PACIFIC LAND CORPORATI COM 88262P102   331,777 375 SH   SOLE   0 0 375
ISHARES TR MSCI USA MIN VOL 46429B697   6,246,254 68,407 SH   SOLE   0 0 68,407
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   279,845 5,299 SH   SOLE   0 0 5,299
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,855,188 21,014 SH   SOLE   0 0 21,014
VERISK ANALYTICS INC COM 92345Y106   441,118 1,646 SH   SOLE   0 0 1,646
VANGUARD INDEX FDS VALUE ETF 922908744   20,446,556 117,125 SH   SOLE   0 0 117,125
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,946,256 29,324 SH   SOLE   0 0 29,324
VERIZON COMMUNICATIONS INC COM 92343V104   410,092 9,131 SH   SOLE   0 0 9,131
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   2,055,246 40,746 SH   SOLE   0 0 40,746
EXXON MOBIL CORP COM 30231G102   351,231 2,996 SH   SOLE   0 0 2,996
BONDBLOXX ETF TRUST BLOOMBERG ONE YR 09789C861   785,056 15,720 SH   SOLE   0 0 15,720