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	354,018	2,375	SH		SOLE		0	0	2,375
ALPHABET INC	CAP STK CL A	02079K305	434,193	3,318	SH		SOLE		0	0	3,318
ALPHABET INC	CAP STK CL C	02079K107	275,698	2,091	SH		SOLE		0	0	2,091
AMAZON COM INC	COM	023135106	488,904	3,846	SH		SOLE		0	0	3,846
APPLE INC	COM	037833100	2,695,524	15,744	SH		SOLE		0	0	15,744
AUTOMATIC DATA PROCESSING IN	COM	053015103	228,590	950	SH		SOLE		0	0	950
BECTON DICKINSON & CO	COM	075887109	364,298	1,409	SH		SOLE		0	0	1,409
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	834,765	2,383	SH		SOLE		0	0	2,383
CATERPILLAR INC	COM	149123101	259,350	950	SH		SOLE		0	0	950
CHEVRON CORP NEW	COM	166764100	271,766	1,612	SH		SOLE		0	0	1,612
COSTCO WHSL CORP NEW	COM	22160K105	418,070	740	SH		SOLE		0	0	740
DEERE & CO	COM	244199105	624,941	1,656	SH		SOLE		0	0	1,656
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	1,899,027	80,229	SH		SOLE		0	0	80,229
DIMENSIONAL ETF TRUST	GLOBAL REAL EST	25434V658	1,523,481	67,982	SH		SOLE		2,243	0	65,739
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	2,147,622	54,001	SH		SOLE		0	0	54,001
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	6,398,847	196,163	SH		SOLE		611	0	195,552
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	290,275	13,230	SH		SOLE		0	0	13,230
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	3,695,986	155,424	SH		SOLE		1,706	0	153,718
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	745,134	38,173	SH		SOLE		0	0	38,173
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	3,285,168	129,644	SH		SOLE		0	0	129,644
ELI LILLY & CO	COM	532457108	449,578	837	SH		SOLE		0	0	837
EVERSOURCE ENERGY	COM	30040W108	200,734	3,452	SH		SOLE		0	0	3,452
EXXON MOBIL CORP	COM	30231G102	1,078,230	9,170	SH		SOLE		0	0	9,170
GENERAL DYNAMICS CORP	COM	369550108	238,606	1,080	SH		SOLE		0	0	1,080
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	250,166	10,340	SH		SOLE		0	0	10,340
HOME DEPOT INC	COM	437076102	394,802	1,307	SH		SOLE		0	0	1,307
INNOVATOR ETFS TR	US EQT ACC 9 BFR	45783Y780	3,093,914	124,883	SH		SOLE		1,988	0	122,895
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	596,407	17,140	SH		SOLE		0	0	17,140
INTERNATIONAL BUSINESS MACHS	COM	459200101	297,924	2,123	SH		SOLE		0	0	2,123
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,302,249	40,925	SH		SOLE		0	0	40,925
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	661,861	20,062	SH		SOLE		0	0	20,062
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	463,271	3,270	SH		SOLE		0	0	3,270
INVESCO QQQ TR	UNIT SER 1	46090E103	2,403,373	6,708	SH		SOLE		0	0	6,708
ISHARES GOLD TR	ISHARES NEW	464285204	12,107,292	346,022	SH		SOLE		1,462	0	344,560
ISHARES TR	CORE S&P MCP ETF	464287507	4,191,562	16,810	SH		SOLE		0	0	16,810
ISHARES TR	CORE S&P SCP ETF	464287804	1,201,944	12,742	SH		SOLE		0	0	12,742
ISHARES TR	CORE S&P500 ETF	464287200	5,615,120	13,076	SH		SOLE		0	0	13,076
ISHARES TR	EAFE GRWTH ETF	464288885	3,226,195	37,383	SH		SOLE		0	0	37,383
ISHARES TR	EAFE SML CP ETF	464288273	1,320,192	23,379	SH		SOLE		0	0	23,379
ISHARES TR	INTL SEL DIV ETF	464288448	3,181,923	125,273	SH		SOLE		717	0	124,556
ISHARES TR	JPMORGAN USD EMG	464288281	464,511	5,629	SH		SOLE		0	0	5,629
ISHARES TR	MSCI USA QLT FCT	46432F339	348,372	2,643	SH		SOLE		0	0	2,643
ISHARES TR	NATIONAL MUN ETF	464288414	1,825,421	17,802	SH		SOLE		0	0	17,802
ISHARES TR	S&P 500 GRWT ETF	464287309	11,913,912	174,129	SH		SOLE		669	0	173,460
ISHARES TR	S&P 500 VAL ETF	464287408	3,722,637	24,198	SH		SOLE		321	0	23,877
ISHARES TR	S&P MC 400GR ETF	464287606	11,432,431	158,256	SH		SOLE		0	0	158,256
ISHARES TR	S&P MC 400VL ETF	464287705	12,688,171	125,713	SH		SOLE		0	0	125,713
ISHARES TR	S&P SML 600 GWT	464287887	11,508,376	104,927	SH		SOLE		0	0	104,927
ISHARES TR	SELECT DIVID ETF	464287168	231,573	2,151	SH		SOLE		0	0	2,151
ISHARES TR	SP SMCP600VL ETF	464287879	7,707,379	86,386	SH		SOLE		0	0	86,386
ISHARES TR	TIPS BD ETF	464287176	1,710,698	16,493	SH		SOLE		0	0	16,493
ISHARES TR	U.S. MED DVC ETF	464288810	239,238	4,933	SH		SOLE		0	0	4,933
ISHARES TR	US TREAS BD ETF	46429B267	3,755,260	170,384	SH		SOLE		0	0	170,384
JOHNSON & JOHNSON	COM	478160104	1,601,733	10,284	SH		SOLE		0	0	10,284
JPMORGAN CHASE & CO	COM	46625H100	211,149	1,456	SH		SOLE		0	0	1,456
LAKELAND BANCORP INC	COM	511637100	812,741	64,401	SH		SOLE		0	0	64,401
LOWES COS INC	COM	548661107	249,616	1,201	SH		SOLE		0	0	1,201
MCDONALDS CORP	COM	580135101	513,913	1,951	SH		SOLE		0	0	1,951
META PLATFORMS INC	CL A	30303M102	519,363	1,730	SH		SOLE		0	0	1,730
MICROSOFT CORP	COM	594918104	746,398	2,364	SH		SOLE		0	0	2,364
PEPSICO INC	COM	713448108	480,517	2,836	SH		SOLE		0	0	2,836
PROCTER AND GAMBLE CO	COM	742718109	355,315	2,436	SH		SOLE		0	0	2,436
REALTY INCOME CORP	COM	756109104	393,403	7,878	SH		SOLE		0	0	7,878
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	530,405	22,156	SH		SOLE		1,600	0	20,556
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	7,672,744	137,087	SH		SOLE		0	0	137,087
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,416,418	75,184	SH		SOLE		0	0	75,184
SELECTIVE INS GROUP INC	COM	816300107	1,355,447	13,138	SH		SOLE		0	0	13,138
SPDR GOLD TR	GOLD SHS	78463V107	2,839,726	16,563	SH		SOLE		0	0	16,563
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,169,521	2,736	SH		SOLE		0	0	2,736
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	213,647	3,090	SH		SOLE		0	0	3,090
SPDR SER TR	S&P 400 MDCP VAL	78464A839	297,217	4,582	SH		SOLE		0	0	4,582
UNITED PARCEL SERVICE INC	CL B	911312106	463,786	2,975	SH		SOLE		0	0	2,975
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	4,700,262	65,002	SH		SOLE		0	0	65,002
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	2,693,206	35,828	SH		SOLE		0	0	35,828
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	479,482	6,871	SH		SOLE		0	0	6,871
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,114,518	23,302	SH		SOLE		0	0	23,302
VANGUARD INDEX FDS	GROWTH ETF	922908736	492,986	1,810	SH		SOLE		0	0	1,810
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	1,927,544	9,897	SH		SOLE		0	0	9,897
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,758,748	21,066	SH		SOLE		0	0	21,066
VANGUARD INDEX FDS	MID CAP ETF	922908629	424,277	2,037	SH		SOLE		0	0	2,037
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,503,005	33,082	SH		SOLE		0	0	33,082
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,051,848	12,865	SH		SOLE		0	0	12,865
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	2,000,682	9,341	SH		SOLE		0	0	9,341
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	586,060	14,947	SH		SOLE		0	0	14,947
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	1,196,634	25,310	SH		SOLE		0	0	25,310
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	269,408	5,601	SH		SOLE		0	0	5,601
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	737,055	9,808	SH		SOLE		0	0	9,808
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	551,502	3,549	SH		SOLE		0	0	3,549
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,947,703	44,549	SH		SOLE		0	0	44,549
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	398,221	4,035	SH		SOLE		0	0	4,035
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	6,565,346	63,544	SH		SOLE		205	0	63,339
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,694,446	36,629	SH		SOLE		0	0	36,629