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	381,054	2,391	SH		SOLE		0	0	2,391
ALPHABET INC	CAP STK CL A	02079K305	344,176	3,318	SH		SOLE		0	0	3,318
ALPHABET INC	CAP STK CL C	02079K107	258,024	2,481	SH		SOLE		0	0	2,481
AMAZON COM INC	COM	023135106	423,799	4,103	SH		SOLE		0	0	4,103
APPLE INC	COM	037833100	2,828,851	17,155	SH		SOLE		0	0	17,155
AUTOMATIC DATA PROCESSING IN	COM	053015103	211,535	950	SH		SOLE		0	0	950
BECTON DICKINSON & CO	COM	075887109	356,106	1,439	SH		SOLE		0	0	1,439
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	712,024	2,306	SH		SOLE		0	0	2,306
CATERPILLAR INC	COM	149123101	217,398	950	SH		SOLE		0	0	950
CHEVRON CORP NEW	COM	166764100	304,083	1,864	SH		SOLE		0	0	1,864
COSTCO WHSL CORP NEW	COM	22160K105	367,684	740	SH		SOLE		0	0	740
DEERE & CO	COM	244199105	737,817	1,787	SH		SOLE		0	0	1,787
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	1,348,730	57,695	SH		SOLE		0	0	57,695
DIMENSIONAL ETF TRUST	GLOBAL REAL EST	25434V658	865,155	35,241	SH		SOLE		0	0	35,241
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	1,870,522	43,675	SH		SOLE		0	0	43,675
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	4,605,063	142,881	SH		SOLE		0	0	142,881
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	246,682	10,730	SH		SOLE		0	0	10,730
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	2,800,165	117,629	SH		SOLE		0	0	117,629
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	587,134	27,321	SH		SOLE		0	0	27,321
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	1,945,770	78,049	SH		SOLE		0	0	78,049
EVERSOURCE ENERGY	COM	30040W108	270,154	3,452	SH		SOLE		0	0	3,452
EXXON MOBIL CORP	COM	30231G102	1,117,277	10,189	SH		SOLE		0	0	10,189
GENERAL DYNAMICS CORP	COM	369550108	244,044	1,069	SH		SOLE		0	0	1,069
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	251,571	10,340	SH		SOLE		0	0	10,340
HERSHEY CO	COM	427866108	214,976	845	SH		SOLE		0	0	845
HOME DEPOT INC	COM	437076102	378,353	1,282	SH		SOLE		0	0	1,282
INNOVATOR ETFS TR	US EQT ACC 9 BFR	45783Y780	1,966,534	84,338	SH		SOLE		0	0	84,338
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	580,345	17,475	SH		SOLE		0	0	17,475
INTERNATIONAL BUSINESS MACHS	COM	459200101	285,446	2,177	SH		SOLE		0	0	2,177
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,322,846	8,438	SH		SOLE		0	0	8,438
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	767,059	4,662	SH		SOLE		0	0	4,662
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	472,851	3,270	SH		SOLE		0	0	3,270
INVESCO QQQ TR	UNIT SER 1	46090E103	2,132,726	6,645	SH		SOLE		0	0	6,645
ISHARES GOLD TR	ISHARES NEW	464285204	12,995,249	347,746	SH		SOLE		0	0	347,746
ISHARES TR	CORE S&P MCP ETF	464287507	4,505,453	18,010	SH		SOLE		0	0	18,010
ISHARES TR	CORE S&P SCP ETF	464287804	1,464,595	15,146	SH		SOLE		0	0	15,146
ISHARES TR	CORE S&P500 ETF	464287200	5,190,133	12,626	SH		SOLE		0	0	12,626
ISHARES TR	EAFE GRWTH ETF	464288885	3,294,762	35,170	SH		SOLE		0	0	35,170
ISHARES TR	EAFE SML CP ETF	464288273	1,338,041	22,484	SH		SOLE		0	0	22,484
ISHARES TR	INTL SEL DIV ETF	464288448	3,558,555	129,449	SH		SOLE		0	0	129,449
ISHARES TR	JPMORGAN USD EMG	464288281	480,761	5,572	SH		SOLE		0	0	5,572
ISHARES TR	MSCI USA QLT FCT	46432F339	353,575	2,850	SH		SOLE		0	0	2,850
ISHARES TR	NATIONAL MUN ETF	464288414	1,925,147	17,868	SH		SOLE		0	0	17,868
ISHARES TR	S&P 500 GRWT ETF	464287309	10,067,518	157,576	SH		SOLE		0	0	157,576
ISHARES TR	S&P 500 VAL ETF	464287408	3,782,404	24,924	SH		SOLE		0	0	24,924
ISHARES TR	S&P MC 400GR ETF	464287606	10,365,026	144,945	SH		SOLE		0	0	144,945
ISHARES TR	S&P MC 400VL ETF	464287705	11,953,883	116,317	SH		SOLE		0	0	116,317
ISHARES TR	S&P SML 600 GWT	464287887	10,236,170	93,107	SH		SOLE		0	0	93,107
ISHARES TR	SELECT DIVID ETF	464287168	251,641	2,147	SH		SOLE		0	0	2,147
ISHARES TR	SP SMCP600VL ETF	464287879	8,403,336	89,789	SH		SOLE		0	0	89,789
ISHARES TR	TIPS BD ETF	464287176	1,814,529	16,458	SH		SOLE		0	0	16,458
ISHARES TR	U.S. MED DVC ETF	464288810	259,140	4,801	SH		SOLE		0	0	4,801
ISHARES TR	US TREAS BD ETF	46429B267	4,005,312	171,314	SH		SOLE		0	0	171,314
JOHNSON & JOHNSON	COM	478160104	1,603,165	10,343	SH		SOLE		0	0	10,343
LAKELAND BANCORP INC	COM	511637100	1,007,232	64,401	SH		SOLE		0	0	64,401
LILLY ELI & CO	COM	532457108	287,443	837	SH		SOLE		0	0	837
LOWES COS INC	COM	548661107	270,159	1,351	SH		SOLE		0	0	1,351
MCDONALDS CORP	COM	580135101	545,449	1,951	SH		SOLE		0	0	1,951
MERCK & CO INC	COM	58933Y105	212,780	2,000	SH		SOLE		0	0	2,000
META PLATFORMS INC	CL A	30303M102	366,656	1,730	SH		SOLE		0	0	1,730
MICROSOFT CORP	COM	594918104	746,045	2,588	SH		SOLE		0	0	2,588
PEPSICO INC	COM	713448108	515,744	2,829	SH		SOLE		0	0	2,829
PROCTER AND GAMBLE CO	COM	742718109	369,197	2,483	SH		SOLE		0	0	2,483
REALTY INCOME CORP	COM	756109104	512,952	8,101	SH		SOLE		0	0	8,101
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	579,179	23,621	SH		SOLE		0	0	23,621
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	6,959,989	126,730	SH		SOLE		0	0	126,730
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,561,140	77,306	SH		SOLE		0	0	77,306
SELECTIVE INS GROUP INC	COM	816300107	1,252,446	13,138	SH		SOLE		0	0	13,138
SPDR GOLD TR	GOLD SHS	78463V107	3,183,631	17,376	SH		SOLE		0	0	17,376
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,115,818	2,726	SH		SOLE		0	0	2,726
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	250,852	2,732	SH		SOLE		0	0	2,732
SPDR SER TR	S&P 400 MDCP GRW	78464A821	215,518	3,149	SH		SOLE		0	0	3,149
SPDR SER TR	S&P 400 MDCP VAL	78464A839	328,067	4,965	SH		SOLE		0	0	4,965
TORONTO DOMINION BK ONT	COM NEW	891160509	287,520	4,800	SH		SOLE		0	0	4,800
UNITED PARCEL SERVICE INC	CL B	911312106	709,123	3,655	SH		SOLE		0	0	3,655
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	4,195,263	54,669	SH		SOLE		0	0	54,669
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	2,314,543	30,259	SH		SOLE		0	0	30,259
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	467,881	6,337	SH		SOLE		0	0	6,337
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,053,534	21,536	SH		SOLE		0	0	21,536
VANGUARD INDEX FDS	GROWTH ETF	922908736	456,789	1,831	SH		SOLE		0	0	1,831
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	1,874,242	9,617	SH		SOLE		0	0	9,617
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,803,123	20,908	SH		SOLE		0	0	20,908
VANGUARD INDEX FDS	MID CAP ETF	922908629	472,460	2,240	SH		SOLE		0	0	2,240
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,836,135	34,154	SH		SOLE		0	0	34,154
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,078,339	13,091	SH		SOLE		0	0	13,091
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	1,925,663	8,898	SH		SOLE		0	0	8,898
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	615,829	15,243	SH		SOLE		0	0	15,243
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	670,576	14,023	SH		SOLE		0	0	14,023
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	477,944	6,270	SH		SOLE		0	0	6,270
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	597,046	3,877	SH		SOLE		0	0	3,877
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,191,783	48,523	SH		SOLE		0	0	48,523
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	5,642,183	53,480	SH		SOLE		0	0	53,480
VERIZON COMMUNICATIONS INC	COM	92343V104	223,053	5,735	SH		SOLE		0	0	5,735
WEBSTER FINL CORP	COM	947890109	234,746	5,955	SH		SOLE		0	0	5,955
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,561,671	34,105	SH		SOLE		0	0	34,105