Sterling Financial Planning 13F-HR Quarterly holdings report by institutional manager

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

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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ABBVIE INC	COM	00287Y109	336	2,500	SH		SOLE		0	0	2,500
ALPHABET INC	CAP STK CL A	02079K305	363	3,800	SH		SOLE		0	0	3,800
ALPHABET INC	CAP STK CL C	02079K107	285	2,960	SH		SOLE		0	0	2,960
AMAZON COM INC	COM	023135106	560	4,955	SH		SOLE		0	0	4,955
APPLE INC	COM	037833100	2,062	14,923	SH		SOLE		0	0	14,923
AUTOMATIC DATA PROCESSING IN	COM	053015103	242	1,070	SH		SOLE		0	0	1,070
BECTON DICKINSON & CO	COM	075887109	321	1,439	SH		SOLE		0	0	1,439
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	771	2,887	SH		SOLE		0	0	2,887
CHEVRON CORP NEW	COM	166764100	276	1,918	SH		SOLE		0	0	1,918
COSTCO WHSL CORP NEW	COM	22160K105	358	757	SH		SOLE		0	0	757
DEERE & CO	COM	244199105	597	1,787	SH		SOLE		0	0	1,787
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	583	28,392	SH		SOLE		0	0	28,392
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	791	19,449	SH		SOLE		0	0	19,449
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	1,603	62,213	SH		SOLE		0	0	62,213
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	1,141	61,482	SH		SOLE		0	0	61,482
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	951	43,624	SH		SOLE		0	0	43,624
EXXON MOBIL CORP	COM	30231G102	1,042	11,938	SH		SOLE		0	0	11,938
GENERAL DYNAMICS CORP	COM	369550108	243	1,147	SH		SOLE		0	0	1,147
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	222	10,471	SH		SOLE		0	0	10,471
HOME DEPOT INC	COM	437076102	353	1,278	SH		SOLE		0	0	1,278
INNOVATOR ETFS TR	US EQT ACC 9 BFR	45783Y780	457	22,271	SH		SOLE		0	0	22,271
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	515	17,497	SH		SOLE		0	0	17,497
INTERNATIONAL BUSINESS MACHS	COM	459200101	265	2,233	SH		SOLE		0	0	2,233
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,187	8,555	SH		SOLE		0	0	8,555
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	792	5,437	SH		SOLE		0	0	5,437
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	423	3,320	SH		SOLE		0	0	3,320
INVESCO QQQ TR	UNIT SER 1	46090E103	1,323	4,949	SH		SOLE		0	0	4,949
ISHARES GOLD TR	ISHARES NEW	464285204	10,301	326,694	SH		SOLE		0	0	326,694
ISHARES TR	CORE S&P MCP ETF	464287507	4,548	20,743	SH		SOLE		0	0	20,743
ISHARES TR	CORE S&P SCP ETF	464287804	1,524	17,479	SH		SOLE		0	0	17,479
ISHARES TR	CORE S&P500 ETF	464287200	4,427	12,343	SH		SOLE		0	0	12,343
ISHARES TR	EAFE GRWTH ETF	464288885	2,357	32,486	SH		SOLE		0	0	32,486
ISHARES TR	EAFE SML CP ETF	464288273	1,071	21,954	SH		SOLE		0	0	21,954
ISHARES TR	INTL SEL DIV ETF	464288448	3,622	160,766	SH		SOLE		0	0	160,766
ISHARES TR	JPMORGAN USD EMG	464288281	457	5,753	SH		SOLE		0	0	5,753
ISHARES TR	MSCI USA QLT FCT	46432F339	346	3,331	SH		SOLE		0	0	3,331
ISHARES TR	PFD AND INCM SEC	464288687	600	18,944	SH		SOLE		0	0	18,944
ISHARES TR	S&P 500 GRWT ETF	464287309	8,038	138,942	SH		SOLE		0	0	138,942
ISHARES TR	S&P 500 VAL ETF	464287408	3,341	25,998	SH		SOLE		0	0	25,998
ISHARES TR	S&P MC 400GR ETF	464287606	8,441	133,936	SH		SOLE		0	0	133,936
ISHARES TR	S&P MC 400VL ETF	464287705	10,018	111,313	SH		SOLE		0	0	111,313
ISHARES TR	S&P SML 600 GWT	464287887	8,458	83,191	SH		SOLE		0	0	83,191
ISHARES TR	SELECT DIVID ETF	464287168	233	2,172	SH		SOLE		0	0	2,172
ISHARES TR	SP SMCP600VL ETF	464287879	7,619	92,411	SH		SOLE		0	0	92,411
ISHARES TR	TIPS BD ETF	464287176	586	5,586	SH		SOLE		0	0	5,586
ISHARES TR	U.S. MED DVC ETF	464288810	226	4,792	SH		SOLE		0	0	4,792
ISHARES TR	US TREAS BD ETF	46429B267	3,262	143,335	SH		SOLE		0	0	143,335
JOHNSON & JOHNSON	COM	478160104	1,904	11,653	SH		SOLE		0	0	11,653
LAKELAND BANCORP INC	COM	511637100	1,096	68,483	SH		SOLE		0	0	68,483
LILLY ELI & CO	COM	532457108	275	851	SH		SOLE		0	0	851
LOWES COS INC	COM	548661107	271	1,445	SH		SOLE		0	0	1,445
MCDONALDS CORP	COM	580135101	433	1,878	SH		SOLE		0	0	1,878
META PLATFORMS INC	CL A	30303M102	238	1,755	SH		SOLE		0	0	1,755
MICROSOFT CORP	COM	594918104	654	2,807	SH		SOLE		0	0	2,807
PEPSICO INC	COM	713448108	480	2,938	SH		SOLE		0	0	2,938
PROCTER AND GAMBLE CO	COM	742718109	296	2,341	SH		SOLE		0	0	2,341
REALTY INCOME CORP	COM	756109104	519	8,925	SH		SOLE		0	0	8,925
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	537	23,974	SH		SOLE		0	0	23,974
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	5,552	116,253	SH		SOLE		0	0	116,253
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,126	78,188	SH		SOLE		0	0	78,188
SELECTIVE INS GROUP INC	COM	816300107	1,161	14,258	SH		SOLE		0	0	14,258
SPDR GOLD TR	GOLD SHS	78463V107	2,858	18,476	SH		SOLE		0	0	18,476
SPDR S&P 500 ETF TR	TR UNIT	78462F103	992	2,777	SH		SOLE		0	0	2,777
SPDR SER TR	S&P 400 MDCP VAL	78464A839	294	5,082	SH		SOLE		0	0	5,082
TORONTO DOMINION BK ONT	COM NEW	891160509	294	4,800	SH		SOLE		0	0	4,800
UNITED PARCEL SERVICE INC	CL B	911312106	606	3,749	SH		SOLE		0	0	3,749
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	1,704	23,189	SH		SOLE		0	0	23,189
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	1,092	14,599	SH		SOLE		0	0	14,599
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	961	20,124	SH		SOLE		0	0	20,124
VANGUARD INDEX FDS	GROWTH ETF	922908736	341	1,592	SH		SOLE		0	0	1,592
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	1,588	9,313	SH		SOLE		0	0	9,313
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,415	19,830	SH		SOLE		0	0	19,830
VANGUARD INDEX FDS	MID CAP ETF	922908629	490	2,605	SH		SOLE		0	0	2,605
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,823	35,209	SH		SOLE		0	0	35,209
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,873	13,061	SH		SOLE		0	0	13,061
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	1,562	8,007	SH		SOLE		0	0	8,007
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	545	14,945	SH		SOLE		0	0	14,945
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	379	5,098	SH		SOLE		0	0	5,098
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	581	4,298	SH		SOLE		0	0	4,298
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,273	62,517	SH		SOLE		0	0	62,517
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	4,215	44,421	SH		SOLE		0	0	44,421
WEBSTER FINL CORP	COM	947890109	269	5,955	SH		SOLE		0	0	5,955
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,389	34,875	SH		SOLE		0	0	34,875