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	339,694	2,192	SH		SOLE		0	0	2,192
ALPHABET INC	CAP STK CL A	02079K305	504,141	3,609	SH		SOLE		0	0	3,609
ALPHABET INC	CAP STK CL C	02079K107	294,685	2,091	SH		SOLE		0	0	2,091
AMAZON COM INC	COM	023135106	538,779	3,546	SH		SOLE		0	0	3,546
APPLE INC	COM	037833100	2,982,242	15,490	SH		SOLE		0	0	15,490
AUTOMATIC DATA PROCESSING IN	COM	053015103	221,359	950	SH		SOLE		0	0	950
BECTON DICKINSON & CO	COM	075887109	994,961	4,081	SH		SOLE		0	0	4,081
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	919,826	2,579	SH		SOLE		0	0	2,579
BLACKROCK ENHANCED EQUITY DI	COM	09251A104	106,360	13,831	SH		SOLE		0	0	13,831
CARRIER GLOBAL CORPORATION	COM	14448C104	287,250	5,000	SH		SOLE		0	0	5,000
CATERPILLAR INC	COM	149123101	248,658	841	SH		SOLE		0	0	841
CHEVRON CORP NEW	COM	166764100	240,403	1,612	SH		SOLE		0	0	1,612
COSTCO WHSL CORP NEW	COM	22160K105	603,313	914	SH		SOLE		0	0	914
DEERE & CO	COM	244199105	721,765	1,805	SH		SOLE		0	0	1,805
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	2,576,108	102,227	SH		SOLE		0	0	102,227
DIMENSIONAL ETF TRUST	GLOBAL REAL EST	25434V658	2,259,216	86,960	SH		SOLE		2,273	0	84,687
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	3,242,117	78,540	SH		SOLE		0	0	78,540
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	7,794,387	226,845	SH		SOLE		617	0	226,228
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	319,897	13,235	SH		SOLE		0	0	13,235
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	4,455,605	172,798	SH		SOLE		1,718	0	171,080
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	1,149,067	50,531	SH		SOLE		0	0	50,531
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	4,128,220	141,766	SH		SOLE		0	0	141,766
ELI LILLY & CO	COM	532457108	499,585	857	SH		SOLE		0	0	857
EVERSOURCE ENERGY	COM	30040W108	213,057	3,452	SH		SOLE		0	0	3,452
EXXON MOBIL CORP	COM	30231G102	1,112,876	11,131	SH		SOLE		0	0	11,131
GENERAL DYNAMICS CORP	COM	369550108	281,622	1,085	SH		SOLE		0	0	1,085
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	252,592	9,746	SH		SOLE		0	0	9,746
HOME DEPOT INC	COM	437076102	488,172	1,409	SH		SOLE		0	0	1,409
INNOVATOR ETFS TR	US EQT ACC 9 BFR	45783Y780	4,029,482	156,424	SH		SOLE		1,988	0	154,436
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C672	259,630	8,446	SH		SOLE		0	0	8,446
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	622,243	16,709	SH		SOLE		0	0	16,709
INTERNATIONAL BUSINESS MACHS	COM	459200101	384,911	2,353	SH		SOLE		0	0	2,353
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	213,012	7,451	SH		SOLE		0	0	7,451
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,390,135	39,492	SH		SOLE		0	0	39,492
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	747,200	19,931	SH		SOLE		0	0	19,931
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	510,895	3,238	SH		SOLE		0	0	3,238
INVESCO QQQ TR	UNIT SER 1	46090E103	2,758,095	6,735	SH		SOLE		0	0	6,735
ISHARES GOLD TR	ISHARES NEW	464285204	13,494,252	345,741	SH		SOLE		1,462	0	344,279
ISHARES TR	CORE S&P MCP ETF	464287507	4,551,562	16,423	SH		SOLE		0	0	16,423
ISHARES TR	CORE S&P SCP ETF	464287804	1,380,340	12,751	SH		SOLE		0	0	12,751
ISHARES TR	CORE S&P500 ETF	464287200	6,309,377	13,210	SH		SOLE		0	0	13,210
ISHARES TR	EAFE GRWTH ETF	464288885	3,755,315	38,775	SH		SOLE		0	0	38,775
ISHARES TR	EAFE SML CP ETF	464288273	1,492,104	24,105	SH		SOLE		0	0	24,105
ISHARES TR	INTL SEL DIV ETF	464288448	3,398,227	121,409	SH		SOLE		717	0	120,692
ISHARES TR	JPMORGAN USD EMG	464288281	396,769	4,455	SH		SOLE		0	0	4,455
ISHARES TR	MSCI USA QLT FCT	46432F339	375,487	2,552	SH		SOLE		0	0	2,552
ISHARES TR	NATIONAL MUN ETF	464288414	3,013,540	27,798	SH		SOLE		0	0	27,798
ISHARES TR	S&P 500 GRWT ETF	464287309	12,969,039	172,690	SH		SOLE		673	0	172,017
ISHARES TR	S&P 500 VAL ETF	464287408	4,331,034	24,907	SH		SOLE		321	0	24,586
ISHARES TR	S&P MC 400GR ETF	464287606	12,596,872	159,011	SH		SOLE		0	0	159,011
ISHARES TR	S&P MC 400VL ETF	464287705	14,582,884	127,875	SH		SOLE		0	0	127,875
ISHARES TR	S&P SML 600 GWT	464287887	13,544,932	108,238	SH		SOLE		0	0	108,238
ISHARES TR	SELECT DIVID ETF	464287168	253,745	2,165	SH		SOLE		0	0	2,165
ISHARES TR	SP SMCP600VL ETF	464287879	8,917,271	86,517	SH		SOLE		0	0	86,517
ISHARES TR	TIPS BD ETF	464287176	1,890,415	17,587	SH		SOLE		0	0	17,587
ISHARES TR	U.S. MED DVC ETF	464288810	266,711	4,942	SH		SOLE		0	0	4,942
ISHARES TR	US TREAS BD ETF	46429B267	3,620,815	157,153	SH		SOLE		0	0	157,153
JOHNSON & JOHNSON	COM	478160104	1,627,431	10,383	SH		SOLE		0	0	10,383
JPMORGAN CHASE & CO	COM	46625H100	222,151	1,306	SH		SOLE		0	0	1,306
LAKELAND BANCORP INC	COM	511637100	933,264	63,101	SH		SOLE		0	0	63,101
LOWES COS INC	COM	548661107	264,612	1,189	SH		SOLE		0	0	1,189
MCDONALDS CORP	COM	580135101	605,413	2,042	SH		SOLE		0	0	2,042
MERCK & CO INC	COM	58933Y105	229,378	2,104	SH		SOLE		0	0	2,104
META PLATFORMS INC	CL A	30303M102	579,433	1,637	SH		SOLE		0	0	1,637
MICROSOFT CORP	COM	594918104	1,267,965	3,372	SH		SOLE		0	0	3,372
OTIS WORLDWIDE CORP	COM	68902V107	223,675	2,500	SH		SOLE		0	0	2,500
PEPSICO INC	COM	713448108	499,107	2,939	SH		SOLE		0	0	2,939
PROCTER AND GAMBLE CO	COM	742718109	517,726	3,533	SH		SOLE		0	0	3,533
REALTY INCOME CORP	COM	756109104	452,473	7,880	SH		SOLE		0	0	7,880
RTX CORPORATION	COM	75513E101	433,910	5,157	SH		SOLE		0	0	5,157
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	489,943	19,764	SH		SOLE		1,600	0	18,164
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	8,607,569	138,966	SH		SOLE		0	0	138,966
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,534,637	72,709	SH		SOLE		0	0	72,709
SELECTIVE INS GROUP INC	COM	816300107	1,306,968	13,138	SH		SOLE		0	0	13,138
SPDR GOLD TR	GOLD SHS	78463V107	3,064,837	16,032	SH		SOLE		0	0	16,032
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,299,273	2,734	SH		SOLE		0	0	2,734
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	249,677	2,732	SH		SOLE		0	0	2,732
SPDR SER TR	S&P 400 MDCP GRW	78464A821	236,139	3,121	SH		SOLE		0	0	3,121
SPDR SER TR	S&P 400 MDCP VAL	78464A839	508,052	6,924	SH		SOLE		0	0	6,924
TORONTO DOMINION BK ONT	COM NEW	891160509	206,784	3,200	SH		SOLE		0	0	3,200
UNITED PARCEL SERVICE INC	CL B	911312106	467,832	2,975	SH		SOLE		0	0	2,975
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	5,258,671	68,849	SH		SOLE		110	0	68,739
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	3,205,337	41,617	SH		SOLE		0	0	41,617
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,447,646	19,682	SH		SOLE		0	0	19,682
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,350,577	27,359	SH		SOLE		0	0	27,359
VANGUARD INDEX FDS	GROWTH ETF	922908736	562,833	1,810	SH		SOLE		0	0	1,810
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	2,173,389	9,898	SH		SOLE		0	0	9,898
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	3,070,013	21,171	SH		SOLE		0	0	21,171
VANGUARD INDEX FDS	MID CAP ETF	922908629	474,367	2,039	SH		SOLE		0	0	2,039
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,011,277	34,080	SH		SOLE		0	0	34,080
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,349,050	13,052	SH		SOLE		0	0	13,052
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	2,254,454	9,325	SH		SOLE		0	0	9,325
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	412,174	10,029	SH		SOLE		0	0	10,029
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	1,386,511	29,196	SH		SOLE		0	0	29,196
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,960,881	38,411	SH		SOLE		0	0	38,411
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	1,533,274	19,817	SH		SOLE		0	0	19,817
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	585,732	3,437	SH		SOLE		0	0	3,437
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	2,029,350	42,366	SH		SOLE		0	0	42,366
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	1,771,054	17,464	SH		SOLE		0	0	17,464
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	7,394,583	66,242	SH		SOLE		154	0	66,088
WEBSTER FINL CORP	COM	947890109	246,288	4,852	SH		SOLE		0	0	4,852
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,848,012	37,019	SH		SOLE		0	0	37,019