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	319,984	2,375	SH		SOLE		0	0	2,375
ALPHABET INC	CAP STK CL A	02079K305	397,165	3,318	SH		SOLE		0	0	3,318
ALPHABET INC	CAP STK CL C	02079K107	252,948	2,091	SH		SOLE		0	0	2,091
AMAZON COM INC	COM	023135106	534,867	4,103	SH		SOLE		0	0	4,103
APPLE INC	COM	037833100	3,255,793	16,785	SH		SOLE		0	0	16,785
AUTOMATIC DATA PROCESSING IN	COM	053015103	208,836	950	SH		SOLE		0	0	950
BECTON DICKINSON & CO	COM	075887109	379,799	1,439	SH		SOLE		0	0	1,439
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	811,580	2,380	SH		SOLE		0	0	2,380
CATERPILLAR INC	COM	149123101	233,748	950	SH		SOLE		0	0	950
CHEVRON CORP NEW	COM	166764100	253,602	1,612	SH		SOLE		0	0	1,612
COSTCO WHSL CORP NEW	COM	22160K105	398,401	740	SH		SOLE		0	0	740
DEERE & CO	COM	244199105	670,995	1,656	SH		SOLE		0	0	1,656
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	1,789,704	73,439	SH		SOLE		0	0	73,439
DIMENSIONAL ETF TRUST	GLOBAL REAL EST	25434V658	1,405,729	57,635	SH		SOLE		0	0	57,635
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	2,101,193	50,864	SH		SOLE		0	0	50,864
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	6,176,872	188,033	SH		SOLE		0	0	188,033
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	266,382	11,673	SH		SOLE		0	0	11,673
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	3,372,501	142,600	SH		SOLE		0	0	142,600
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	622,595	28,931	SH		SOLE		0	0	28,931
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	3,008,208	117,051	SH		SOLE		0	0	117,051
EVERSOURCE ENERGY	COM	30040W108	244,816	3,452	SH		SOLE		0	0	3,452
EXXON MOBIL CORP	COM	30231G102	1,050,247	9,793	SH		SOLE		0	0	9,793
GENERAL DYNAMICS CORP	COM	369550108	231,236	1,075	SH		SOLE		0	0	1,075
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	263,215	10,340	SH		SOLE		0	0	10,340
HERSHEY CO	COM	427866108	210,997	845	SH		SOLE		0	0	845
HOME DEPOT INC	COM	437076102	411,406	1,324	SH		SOLE		0	0	1,324
INNOVATOR ETFS TR	US EQT ACC 9 BFR	45783Y780	2,896,935	117,832	SH		SOLE		0	0	117,832
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	605,612	17,249	SH		SOLE		0	0	17,249
INTERNATIONAL BUSINESS MACHS	COM	459200101	291,770	2,180	SH		SOLE		0	0	2,180
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,373,102	8,390	SH		SOLE		0	0	8,390
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	733,364	4,268	SH		SOLE		0	0	4,268
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	489,265	3,270	SH		SOLE		0	0	3,270
INVESCO HIGH INCOME TR II	COM	46131F101	201,971	7,451	SH		SOLE		0	0	7,451
INVESCO QQQ TR	UNIT SER 1	46090E103	2,540,927	6,878	SH		SOLE		0	0	6,878
ISHARES GOLD TR	ISHARES NEW	464285204	12,546,126	344,769	SH		SOLE		0	0	344,769
ISHARES TR	CORE S&P MCP ETF	464287507	4,532,535	17,334	SH		SOLE		0	0	17,334
ISHARES TR	CORE S&P SCP ETF	464287804	1,288,926	12,935	SH		SOLE		0	0	12,935
ISHARES TR	CORE S&P500 ETF	464287200	5,864,279	13,157	SH		SOLE		0	0	13,157
ISHARES TR	EAFE GRWTH ETF	464288885	3,456,769	36,231	SH		SOLE		0	0	36,231
ISHARES TR	EAFE SML CP ETF	464288273	1,355,045	22,975	SH		SOLE		0	0	22,975
ISHARES TR	INTL SEL DIV ETF	464288448	3,346,169	127,086	SH		SOLE		0	0	127,086
ISHARES TR	JPMORGAN USD EMG	464288281	484,925	5,603	SH		SOLE		0	0	5,603
ISHARES TR	MSCI USA QLT FCT	46432F339	362,583	2,688	SH		SOLE		0	0	2,688
ISHARES TR	NATIONAL MUN ETF	464288414	1,902,942	17,829	SH		SOLE		0	0	17,829
ISHARES TR	S&P 500 GRWT ETF	464287309	12,274,924	174,162	SH		SOLE		0	0	174,162
ISHARES TR	S&P 500 VAL ETF	464287408	3,985,602	24,726	SH		SOLE		0	0	24,726
ISHARES TR	S&P MC 400GR ETF	464287606	11,948,054	159,307	SH		SOLE		0	0	159,307
ISHARES TR	S&P MC 400VL ETF	464287705	13,288,252	124,039	SH		SOLE		0	0	124,039
ISHARES TR	S&P SML 600 GWT	464287887	11,927,417	103,780	SH		SOLE		0	0	103,780
ISHARES TR	SELECT DIVID ETF	464287168	243,750	2,151	SH		SOLE		0	0	2,151
ISHARES TR	SP SMCP600VL ETF	464287879	8,392,861	88,262	SH		SOLE		0	0	88,262
ISHARES TR	TIPS BD ETF	464287176	1,769,333	16,441	SH		SOLE		0	0	16,441
ISHARES TR	U.S. MED DVC ETF	464288810	271,163	4,803	SH		SOLE		0	0	4,803
ISHARES TR	US TREAS BD ETF	46429B267	3,950,637	172,517	SH		SOLE		0	0	172,517
JOHNSON & JOHNSON	COM	478160104	1,702,208	10,284	SH		SOLE		0	0	10,284
JPMORGAN CHASE & CO	COM	46625H100	214,379	1,474	SH		SOLE		0	0	1,474
LAKELAND BANCORP INC	COM	511637100	862,329	64,401	SH		SOLE		0	0	64,401
LILLY ELI & CO	COM	532457108	392,536	837	SH		SOLE		0	0	837
LOWES COS INC	COM	548661107	271,066	1,201	SH		SOLE		0	0	1,201
MCDONALDS CORP	COM	580135101	582,128	1,951	SH		SOLE		0	0	1,951
MERCK & CO INC	COM	58933Y105	225,818	1,957	SH		SOLE		0	0	1,957
META PLATFORMS INC	CL A	30303M102	496,475	1,730	SH		SOLE		0	0	1,730
MICROSOFT CORP	COM	594918104	832,242	2,444	SH		SOLE		0	0	2,444
PEPSICO INC	COM	713448108	524,803	2,833	SH		SOLE		0	0	2,833
PROCTER AND GAMBLE CO	COM	742718109	376,770	2,483	SH		SOLE		0	0	2,483
REALTY INCOME CORP	COM	756109104	484,544	8,104	SH		SOLE		0	0	8,104
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	564,461	22,918	SH		SOLE		0	0	22,918
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	7,911,183	137,419	SH		SOLE		0	0	137,419
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,540,665	76,549	SH		SOLE		0	0	76,549
SELECTIVE INS GROUP INC	COM	816300107	1,260,591	13,138	SH		SOLE		0	0	13,138
SPDR GOLD TR	GOLD SHS	78463V107	3,002,780	16,844	SH		SOLE		0	0	16,844
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,211,899	2,734	SH		SOLE		0	0	2,734
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	219,327	3,061	SH		SOLE		0	0	3,061
SPDR SER TR	S&P 400 MDCP VAL	78464A839	314,953	4,579	SH		SOLE		0	0	4,579
TORONTO DOMINION BK ONT	COM NEW	891160509	248,040	4,000	SH		SOLE		0	0	4,000
UNITED PARCEL SERVICE INC	CL B	911312106	533,352	2,975	SH		SOLE		0	0	2,975
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	4,603,492	61,192	SH		SOLE		0	0	61,192
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	2,524,646	33,408	SH		SOLE		0	0	33,408
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	489,441	6,733	SH		SOLE		0	0	6,733
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,040,406	21,285	SH		SOLE		0	0	21,285
VANGUARD INDEX FDS	GROWTH ETF	922908736	536,587	1,896	SH		SOLE		0	0	1,896
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	2,038,304	9,906	SH		SOLE		0	0	9,906
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,863,964	20,696	SH		SOLE		0	0	20,696
VANGUARD INDEX FDS	MID CAP ETF	922908629	477,362	2,168	SH		SOLE		0	0	2,168
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,889,678	34,582	SH		SOLE		0	0	34,582
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,135,846	12,913	SH		SOLE		0	0	12,913
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	2,102,785	9,153	SH		SOLE		0	0	9,153
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	608,033	14,947	SH		SOLE		0	0	14,947
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	1,036,448	21,857	SH		SOLE		0	0	21,857
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	628,739	8,310	SH		SOLE		0	0	8,310
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	582,745	3,588	SH		SOLE		0	0	3,588
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,125,709	46,031	SH		SOLE		0	0	46,031
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	300,938	2,995	SH		SOLE		0	0	2,995
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	6,520,337	61,472	SH		SOLE		0	0	61,472
VERIZON COMMUNICATIONS INC	COM	92343V104	204,291	5,493	SH		SOLE		0	0	5,493
WEBSTER FINL CORP	COM	947890109	224,801	5,955	SH		SOLE		0	0	5,955
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,682,529	36,160	SH		SOLE		0	0	36,160