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
3M CO	COM	88579Y101	475,101	4,649	SH		SOLE		0	0	4,649
ABBVIE INC	COM	00287Y109	360,535	2,102	SH		SOLE		0	0	2,102
ALPHABET INC	CAP STK CL A	02079K305	495,266	2,719	SH		SOLE		0	0	2,719
ALPHABET INC	CAP STK CL C	02079K107	346,847	1,891	SH		SOLE		0	0	1,891
AMAZON COM INC	COM	023135106	585,161	3,028	SH		SOLE		0	0	3,028
APPLE INC	COM	037833100	3,223,312	15,304	SH		SOLE		0	0	15,304
BECTON DICKINSON & CO	COM	075887109	922,526	3,947	SH		SOLE		0	0	3,947
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	934,013	2,296	SH		SOLE		0	0	2,296
BLACKROCK ENHANCED EQUITY DI	COM	09251A104	112,999	13,831	SH		SOLE		0	0	13,831
CARRIER GLOBAL CORPORATION	COM	14448C104	315,400	5,000	SH		SOLE		0	0	5,000
CATERPILLAR INC	COM	149123101	280,137	841	SH		SOLE		0	0	841
CHEVRON CORP NEW	COM	166764100	250,852	1,604	SH		SOLE		0	0	1,604
COSTCO WHSL CORP NEW	COM	22160K105	1,031,970	1,214	SH		SOLE		0	0	1,214
DEERE & CO	COM	244199105	394,180	1,055	SH		SOLE		0	0	1,055
DIMENSIONAL ETF TRUST	EMERGING MKTS VA	25434V740	3,679,030	133,783	SH		SOLE		60	0	133,723
DIMENSIONAL ETF TRUST	GLOBAL REAL EST	25434V658	3,780,408	151,277	SH		SOLE		2,444	0	148,833
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	3,539,495	86,678	SH		SOLE		0	0	86,678
DIMENSIONAL ETF TRUST	INTERNATNAL VAL	25434V807	9,283,232	258,298	SH		SOLE		687	0	257,611
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	323,038	13,116	SH		SOLE		0	0	13,116
DIMENSIONAL ETF TRUST	INTL SMALL CAP V	25434V781	5,937,505	220,684	SH		SOLE		1,841	0	218,843
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	495,517	8,420	SH		SOLE		0	0	8,420
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	292,569	10,120	SH		SOLE		0	0	10,120
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	928,908	42,032	SH		SOLE		0	0	42,032
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	4,943,460	171,767	SH		SOLE		0	0	171,767
ELI LILLY & CO	COM	532457108	764,234	844	SH		SOLE		0	0	844
EXXON MOBIL CORP	COM	30231G102	998,659	8,675	SH		SOLE		0	0	8,675
GENERAL DYNAMICS CORP	COM	369550108	317,141	1,093	SH		SOLE		0	0	1,093
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	260,458	9,376	SH		SOLE		0	0	9,376
HOME DEPOT INC	COM	437076102	472,280	1,372	SH		SOLE		0	0	1,372
INNOVATOR ETFS TRUST	US EQT ACC 9 BFR	45783Y780	5,783,498	208,997	SH		SOLE		1,988	0	207,009
INNOVATOR ETFS TRUST	US EQT ULTRA BF	45782C672	284,208	8,446	SH		SOLE		0	0	8,446
INNOVATOR ETFS TRUST	US EQTY PWR BUF	45782C508	670,272	16,661	SH		SOLE		0	0	16,661
INNOVATOR ETFS TRUST	US EQUITY ACCELE	45783Y301	258,520	8,008	SH		SOLE		0	0	8,008
INTERNATIONAL BUSINESS MACHS	COM	459200101	380,573	2,200	SH		SOLE		0	0	2,200
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	235,043	7,727	SH		SOLE		0	0	7,727
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,390,618	36,643	SH		SOLE		0	0	36,643
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	559,109	14,659	SH		SOLE		0	0	14,659
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	528,261	3,216	SH		SOLE		0	0	3,216
INVESCO QQQ TR	UNIT SER 1	46090E103	3,278,752	6,843	SH		SOLE		0	0	6,843
ISHARES GOLD TR	ISHARES NEW	464285204	14,468,890	329,362	SH		SOLE		1,274	0	328,088
ISHARES TR	CORE S&P MCP ETF	464287507	4,288,026	73,275	SH		SOLE		0	0	73,275
ISHARES TR	CORE S&P SCP ETF	464287804	1,287,550	12,072	SH		SOLE		0	0	12,072
ISHARES TR	CORE S&P500 ETF	464287200	6,844,455	12,507	SH		SOLE		0	0	12,507
ISHARES TR	EAFE GRWTH ETF	464288885	4,128,687	40,359	SH		SOLE		10	0	40,349
ISHARES TR	EAFE SML CP ETF	464288273	1,311,513	21,277	SH		SOLE		0	0	21,277
ISHARES TR	INTL SEL DIV ETF	464288448	2,827,426	102,184	SH		SOLE		717	0	101,467
ISHARES TR	JPMORGAN USD EMG	464288281	384,613	4,347	SH		SOLE		0	0	4,347
ISHARES TR	MSCI USA QLT FCT	46432F339	263,898	1,545	SH		SOLE		0	0	1,545
ISHARES TR	NATIONAL MUN ETF	464288414	1,877,225	17,618	SH		SOLE		0	0	17,618
ISHARES TR	S&P 500 GRWT ETF	464287309	14,578,876	157,541	SH		SOLE		326	0	157,215
ISHARES TR	S&P 500 VAL ETF	464287408	4,393,454	24,139	SH		SOLE		293	0	23,845
ISHARES TR	S&P MC 400GR ETF	464287606	14,076,183	159,757	SH		SOLE		0	0	159,757
ISHARES TR	S&P MC 400VL ETF	464287705	14,954,156	131,801	SH		SOLE		0	0	131,801
ISHARES TR	S&P SML 600 GWT	464287887	14,116,373	109,915	SH		SOLE		0	0	109,915
ISHARES TR	SELECT DIVID ETF	464287168	261,884	2,165	SH		SOLE		0	0	2,165
ISHARES TR	SP SMCP600VL ETF	464287879	8,094,149	83,213	SH		SOLE		0	0	83,213
ISHARES TR	TIPS BD ETF	464287176	1,568,357	14,688	SH		SOLE		0	0	14,688
ISHARES TR	U.S. MED DVC ETF	464288810	277,122	4,945	SH		SOLE		0	0	4,945
ISHARES TR	US TREAS BD ETF	46429B267	3,352,676	148,546	SH		SOLE		53	0	148,493
JOHNSON & JOHNSON	COM	478160104	1,348,034	9,223	SH		SOLE		0	0	9,223
JPMORGAN CHASE & CO.	COM	46625H100	395,621	1,956	SH		SOLE		0	0	1,956
LAM RESEARCH CORP	COM	512807108	236,397	222	SH		SOLE		0	0	222
LOWES COS INC	COM	548661107	258,820	1,174	SH		SOLE		0	0	1,174
MCDONALDS CORP	COM	580135101	497,150	1,951	SH		SOLE		0	0	1,951
MERCK & CO INC	COM	58933Y105	260,475	2,104	SH		SOLE		0	0	2,104
META PLATFORMS INC	CL A	30303M102	785,250	1,557	SH		SOLE		0	0	1,557
MICROSOFT CORP	COM	594918104	1,480,244	3,312	SH		SOLE		0	0	3,312
OTIS WORLDWIDE CORP	COM	68902V107	240,650	2,500	SH		SOLE		0	0	2,500
PEPSICO INC	COM	713448108	466,069	2,826	SH		SOLE		0	0	2,826
PROCTER AND GAMBLE CO	COM	742718109	580,848	3,522	SH		SOLE		0	0	3,522
PROVIDENT FINL SVCS INC	COM	74386T105	603,217	42,036	SH		SOLE		0	0	42,036
REALTY INCOME CORP	COM	756109104	500,737	9,480	SH		SOLE		0	0	9,480
RTX CORPORATION	COM	75513E101	517,711	5,157	SH		SOLE		0	0	5,157
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	508,855	19,159	SH		SOLE		1,600	0	17,559
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524748	2,409,530	69,319	SH		SOLE		0	0	69,319
SCHWAB STRATEGIC TR	FUNDAMENTAL US L	808524771	9,117,146	136,117	SH		SOLE		0	0	136,117
SELECTIVE INS GROUP INC	COM	816300107	1,183,947	12,618	SH		SOLE		0	0	12,618
SPDR GOLD TR	GOLD SHS	78463V107	3,315,454	15,420	SH		SOLE		22	0	15,398
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,480,162	2,720	SH		SOLE		0	0	2,720
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	250,743	2,732	SH		SOLE		0	0	2,732
SPDR SER TR	S&P 400 MDCP GRW	78464A821	236,642	2,815	SH		SOLE		0	0	2,815
SPDR SER TR	S&P 400 MDCP VAL	78464A839	475,838	6,524	SH		SOLE		0	0	6,524
UNITED PARCEL SERVICE INC	CL B	911312106	355,737	2,599	SH		SOLE		0	0	2,599
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	6,784,524	90,593	SH		SOLE		119	0	90,474
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	3,178,717	41,444	SH		SOLE		0	0	41,444
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	510,402	7,084	SH		SOLE		0	0	7,084
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	1,474,854	30,303	SH		SOLE		0	0	30,303
VANGUARD INDEX FDS	GROWTH ETF	922908736	743,331	1,987	SH		SOLE		0	0	1,987
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	2,137,013	9,309	SH		SOLE		0	0	9,309
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,951,282	19,619	SH		SOLE		0	0	19,619
VANGUARD INDEX FDS	MID CAP ETF	922908629	461,052	1,904	SH		SOLE		0	0	1,904
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,667,486	31,847	SH		SOLE		0	0	31,847
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,249,890	12,327	SH		SOLE		0	0	12,327
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	2,076,715	8,303	SH		SOLE		0	0	8,303
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	269,040	6,148	SH		SOLE		0	0	6,148
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	1,706,116	35,149	SH		SOLE		0	0	35,149
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,408,820	48,071	SH		SOLE		0	0	48,071
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	1,875,532	24,271	SH		SOLE		0	0	24,271
VANGUARD SCOTTSDALE FDS	VNG RUS1000VAL	92206C714	205,352	2,682	SH		SOLE		0	0	2,682
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	592,298	3,245	SH		SOLE		0	0	3,245
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,678,320	33,960	SH		SOLE		0	0	33,960
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	1,908,305	19,070	SH		SOLE		0	0	19,070
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	8,112,679	68,404	SH		SOLE		156	0	68,247
VERIZON COMMUNICATIONS INC	COM	92343V104	204,722	4,964	SH		SOLE		0	0	4,964
VISA INC	COM CL A	92826C839	269,557	1,027	SH		SOLE		0	0	1,027
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	2,012,499	39,123	SH		SOLE		0	0	39,123