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	386,571	2,392	SH		SOLE		0	0	2,392
ALPHABET INC	CAP STK CL A	02079K305	335,274	3,800	SH		SOLE		0	0	3,800
ALPHABET INC	CAP STK CL C	02079K107	262,641	2,960	SH		SOLE		0	0	2,960
AMAZON COM INC	COM	023135106	364,812	4,343	SH		SOLE		0	0	4,343
APPLE INC	COM	037833100	1,940,805	14,937	SH		SOLE		0	0	14,937
AUTOMATIC DATA PROCESSING IN	COM	053015103	226,956	950	SH		SOLE		0	0	950
BECTON DICKINSON & CO	COM	075887109	365,831	1,439	SH		SOLE		0	0	1,439
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	761,439	2,465	SH		SOLE		0	0	2,465
CATERPILLAR INC	COM	149123101	227,582	950	SH		SOLE		0	0	950
CHEVRON CORP NEW	COM	166764100	334,517	1,864	SH		SOLE		0	0	1,864
COSTCO WHSL CORP NEW	COM	22160K105	337,810	740	SH		SOLE		0	0	740
DEERE & CO	COM	244199105	766,194	1,787	SH		SOLE		0	0	1,787
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	894,128	39,546	SH		SOLE		0	0	39,546
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	938,046	22,790	SH		SOLE		0	0	22,790
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	3,409,316	112,149	SH		SOLE		0	0	112,149
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	252,609	11,744	SH		SOLE		0	0	11,744
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	1,773,949	79,872	SH		SOLE		0	0	79,872
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	561,136	26,531	SH		SOLE		0	0	26,531
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	1,349,824	54,494	SH		SOLE		0	0	54,494
EXXON MOBIL CORP	COM	30231G102	1,252,971	11,360	SH		SOLE		0	0	11,360
GENERAL DYNAMICS CORP	COM	369550108	285,755	1,152	SH		SOLE		0	0	1,152
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	241,802	10,471	SH		SOLE		0	0	10,471
HOME DEPOT INC	COM	437076102	404,148	1,280	SH		SOLE		0	0	1,280
INNOVATOR ETFS TR	US EQT ACC 9 BFR	45783Y780	530,608	24,227	SH		SOLE		0	0	24,227
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	548,747	17,415	SH		SOLE		0	0	17,415
INTERNATIONAL BUSINESS MACHS	COM	459200101	306,785	2,177	SH		SOLE		0	0	2,177
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,328,114	8,560	SH		SOLE		0	0	8,560
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	841,430	5,312	SH		SOLE		0	0	5,312
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	469,037	3,321	SH		SOLE		0	0	3,321
INVESCO QQQ TR	UNIT SER 1	46090E103	1,399,162	5,254	SH		SOLE		0	0	5,254
ISHARES GOLD TR	ISHARES NEW	464285204	11,689,085	337,933	SH		SOLE		0	0	337,933
ISHARES TR	CORE S&P MCP ETF	464287507	4,885,055	20,195	SH		SOLE		0	0	20,195
ISHARES TR	CORE S&P SCP ETF	464287804	1,535,722	16,227	SH		SOLE		0	0	16,227
ISHARES TR	CORE S&P500 ETF	464287200	4,867,861	12,670	SH		SOLE		0	0	12,670
ISHARES TR	EAFE GRWTH ETF	464288885	2,798,873	33,415	SH		SOLE		0	0	33,415
ISHARES TR	EAFE SML CP ETF	464288273	1,281,924	22,697	SH		SOLE		0	0	22,697
ISHARES TR	INTL SEL DIV ETF	464288448	3,603,983	132,695	SH		SOLE		0	0	132,695
ISHARES TR	JPMORGAN USD EMG	464288281	491,418	5,809	SH		SOLE		0	0	5,809
ISHARES TR	MSCI USA QLT FCT	46432F339	364,492	3,198	SH		SOLE		0	0	3,198
ISHARES TR	NATIONAL MUN ETF	464288414	3,037,420	28,785	SH		SOLE		0	0	28,785
ISHARES TR	S&P 500 GRWT ETF	464287309	8,408,041	143,727	SH		SOLE		0	0	143,727
ISHARES TR	S&P 500 VAL ETF	464287408	3,748,375	25,838	SH		SOLE		0	0	25,838
ISHARES TR	S&P MC 400GR ETF	464287606	9,320,610	136,466	SH		SOLE		0	0	136,466
ISHARES TR	S&P MC 400VL ETF	464287705	11,444,576	113,537	SH		SOLE		0	0	113,537
ISHARES TR	S&P SML 600 GWT	464287887	9,372,226	86,724	SH		SOLE		0	0	86,724
ISHARES TR	SELECT DIVID ETF	464287168	258,422	2,143	SH		SOLE		0	0	2,143
ISHARES TR	SP SMCP600VL ETF	464287879	8,532,731	93,448	SH		SOLE		0	0	93,448
ISHARES TR	TIPS BD ETF	464287176	2,151,621	20,214	SH		SOLE		0	0	20,214
ISHARES TR	U.S. MED DVC ETF	464288810	252,326	4,800	SH		SOLE		0	0	4,800
ISHARES TR	US TREAS BD ETF	46429B267	3,752,356	165,157	SH		SOLE		0	0	165,157
JOHNSON & JOHNSON	COM	478160104	1,827,091	10,343	SH		SOLE		0	0	10,343
LAKELAND BANCORP INC	COM	511637100	1,186,932	67,401	SH		SOLE		0	0	67,401
LILLY ELI & CO	COM	532457108	306,208	837	SH		SOLE		0	0	837
LOWES COS INC	COM	548661107	287,902	1,445	SH		SOLE		0	0	1,445
MCDONALDS CORP	COM	580135101	514,077	1,951	SH		SOLE		0	0	1,951
MERCK & CO INC	COM	58933Y105	232,218	2,093	SH		SOLE		0	0	2,093
META PLATFORMS INC	CL A	30303M102	208,188	1,730	SH		SOLE		0	0	1,730
MICROSOFT CORP	COM	594918104	628,745	2,622	SH		SOLE		0	0	2,622
PEPSICO INC	COM	713448108	531,286	2,941	SH		SOLE		0	0	2,941
PROCTER AND GAMBLE CO	COM	742718109	376,323	2,483	SH		SOLE		0	0	2,483
REALTY INCOME CORP	COM	756109104	566,307	8,928	SH		SOLE		0	0	8,928
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	570,084	24,085	SH		SOLE		0	0	24,085
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	6,327,850	118,410	SH		SOLE		0	0	118,410
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,467,470	78,934	SH		SOLE		0	0	78,934
SELECTIVE INS GROUP INC	COM	816300107	1,263,401	14,258	SH		SOLE		0	0	14,258
SPDR GOLD TR	GOLD SHS	78463V107	3,082,868	18,173	SH		SOLE		0	0	18,173
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,078,016	2,819	SH		SOLE		0	0	2,819
SPDR SER TR	S&P 400 MDCP GRW	78464A821	216,981	3,321	SH		SOLE		0	0	3,321
SPDR SER TR	S&P 400 MDCP VAL	78464A839	352,343	5,444	SH		SOLE		0	0	5,444
TORONTO DOMINION BK ONT	COM NEW	891160509	310,848	4,800	SH		SOLE		0	0	4,800
UNITED PARCEL SERVICE INC	CL B	911312106	612,693	3,524	SH		SOLE		0	0	3,524
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	2,325,127	31,285	SH		SOLE		0	0	31,285
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	2,207,834	29,328	SH		SOLE		0	0	29,328
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	775,201	10,791	SH		SOLE		0	0	10,791
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,045,664	22,046	SH		SOLE		0	0	22,046
VANGUARD INDEX FDS	GROWTH ETF	922908736	413,374	1,940	SH		SOLE		0	0	1,940
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	1,709,276	9,509	SH		SOLE		0	0	9,509
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,811,224	20,787	SH		SOLE		0	0	20,787
VANGUARD INDEX FDS	MID CAP ETF	922908629	530,604	2,603	SH		SOLE		0	0	2,603
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,832,394	34,340	SH		SOLE		0	0	34,340
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,072,979	13,054	SH		SOLE		0	0	13,054
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	1,775,829	8,855	SH		SOLE		0	0	8,855
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	585,055	15,009	SH		SOLE		0	0	15,009
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	202,857	4,343	SH		SOLE		0	0	4,343
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	410,589	5,461	SH		SOLE		0	0	5,461
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	646,413	4,257	SH		SOLE		0	0	4,257
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,357,491	56,171	SH		SOLE		0	0	56,171
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	5,223,145	48,269	SH		SOLE		0	0	48,269
WEBSTER FINL CORP	COM	947890109	281,910	5,955	SH		SOLE		0	0	5,955
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,530,512	34,792	SH		SOLE		0	0	34,792