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

OMB APPROVAL

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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
1ST CONSTITUTION BANCORP	COM	31986N102	405	17,121	SH		SOLE		0	0	17,121
3M CO	COM	88579Y101	99	562	SH		SOLE		0	0	562
ABBOTT LABS	COM	002824100	127	1,077	SH		SOLE		0	0	1,077
ABBVIE INC	COM	00287Y109	278	2,576	SH		SOLE		0	0	2,576
ABERDEEN STD PRECIOUS METALS	PHYSCL PM BASKET	003263100	45	525	SH		SOLE		0	0	525
ACNB CORP	COM	000868109	0	0	SH		SOLE		0	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	2	25	SH		SOLE		0	0	25
ADMA BIOLOGICS INC	COM	000899104	0	100	SH		SOLE		0	0	100
ADVANCED MICRO DEVICES INC	COM	007903107	15	150	SH		SOLE		0	0	150
ADVISORSHARES TR	PURE US CANNABIS	00768Y453	2	50	SH		SOLE		0	0	50
AEHR TEST SYS	COM	00760J108	11	800	SH		SOLE		0	0	800
AFLAC INC	COM	001055102	52	1,000	SH		SOLE		0	0	1,000
AGCO CORP	COM	001084102	55	450	SH		SOLE		0	0	450
AGILENT TECHNOLOGIES INC	COM	00846U101	100	632	SH		SOLE		0	0	632
ALLIANCEBERNSTEIN GLOBAL HIG	COM	01879R106	20	1,666	SH		SOLE		0	0	1,666
ALLIANCEBERNSTEIN HLDG L P	UNIT LTD PARTN	01881G106	10	200	SH		SOLE		0	0	200
ALPHABET INC	CAP STK CL A	02079K305	561	210	SH		SOLE		0	0	210
ALPHABET INC	CAP STK CL C	02079K107	394	148	SH		SOLE		0	0	148
ALTRIA GROUP INC	COM	02209S103	52	1,140	SH		SOLE		0	0	1,140
AMAZON COM INC	COM	023135106	867	264	SH		SOLE		0	0	264
AMERICAN ELEC PWR CO INC	COM	025537101	17	205	SH		SOLE		0	0	205
AMERICAN EXPRESS CO	COM	025816109	30	180	SH		SOLE		0	0	180
AMERICAN WTR WKS CO INC NEW	COM	030420103	4	26	SH		SOLE		0	0	26
AMERIPRISE FINL INC	COM	03076C106	3	10	SH		SOLE		0	0	10
AMGEN INC	COM	031162100	74	348	SH		SOLE		0	0	348
AMPHENOL CORP NEW	CL A	032095101	4	52	SH		SOLE		0	0	52
ANALOG DEVICES INC	COM	032654105	11	69	SH		SOLE		0	0	69
ANTHEM INC	COM	036752103	28	75	SH		SOLE		0	0	75
APPLE INC	COM	037833100	2,479	17,522	SH		SOLE		0	0	17,522
APPLIED MATLS INC	COM	038222105	14	112	SH		SOLE		0	0	112
ARBOR REALTY TRUST INC	COM	038923108	9	511	SH		SOLE		0	0	511
ARCHER DANIELS MIDLAND CO	COM	039483102	12	200	SH		SOLE		0	0	200
ARES CAPITAL CORP	COM	04010L103	5	250	SH		SOLE		0	0	250
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	4	51	SH		SOLE		0	0	51
ARK ETF TR	INNOVATION ETF	00214Q104	173	1,561	SH		SOLE		0	0	1,561
ARK ETF TR	GENOMIC REV ETF	00214Q302	3	45	SH		SOLE		0	0	45
ARK ETF TR	FINTECH INNOVA	00214Q708	15	300	SH		SOLE		0	0	300
ASANA INC	CL A	04342Y104	39	375	SH		SOLE		0	0	375
ASTRAZENECA PLC	SPONSORED ADR	046353108	12	200	SH		SOLE		0	0	200
AT&T INC	COM	00206R102	220	8,143	SH		SOLE		0	0	8,143
ATHERSYS INC NEW	COM	04744L106	9	7,000	SH		SOLE		0	0	7,000
AUTOMATIC DATA PROCESSING IN	COM	053015103	260	1,300	SH		SOLE		0	0	1,300
AUTOZONE INC	COM	053332102	3	2	SH		SOLE		0	0	2
AVID BIOSERVICES INC	COM	05368M106	0	9	SH		SOLE		0	0	9
BARCLAYS PLC	ADR	06738E204	25	2,397	SH		SOLE		0	0	2,397
BARRICK GOLD CORP	COM	067901108	13	745	SH		SOLE		0	0	745
BECTON DICKINSON & CO	COM	075887109	396	1,609	SH		SOLE		0	0	1,609
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	834	3,057	SH		SOLE		0	0	3,057
BEYOND MEAT INC	COM	08862E109	2	16	SH		SOLE		0	0	16
BK OF AMERICA CORP	COM	060505104	78	1,826	SH		SOLE		0	0	1,826
BLACKSTONE INC	COM	09260D107	10	85	SH		SOLE		0	0	85
BOEING CO	COM	097023105	55	251	SH		SOLE		0	0	251
BOOZ ALLEN HAMILTON HLDG COR	CL A	099502106	4	46	SH		SOLE		0	0	46
BOSTON PROPERTIES INC	COM	101121101	27	250	SH		SOLE		0	0	250
BP PLC	SPONSORED ADR	055622104	79	2,894	SH		SOLE		0	0	2,894
BRIGHTHOUSE FINL INC	COM	10922N103	2	48	SH		SOLE		0	0	48
BRISTOL-MYERS SQUIBB CO	COM	110122108	40	679	SH		SOLE		0	0	679
BRISTOL-MYERS SQUIBB CO	RIGHT 12/30/2030	110122140	0	375	SH		SOLE		0	0	375
BROADCOM INC	COM	11135F101	7	14	SH		SOLE		0	0	14
BROADRIDGE FINL SOLUTIONS IN	COM	11133T103	24	145	SH		SOLE		0	0	145
BURLINGTON STORES INC	COM	122017106	4	14	SH		SOLE		0	0	14
BYRNA TECHNOLOGIES INC	COM NEW	12448X201	3	132	SH		SOLE		0	0	132
CALLAWAY GOLF CO	COM	131193104	19	700	SH		SOLE		0	0	700
CARNIVAL CORP	UNIT 99/99/9999	143658300	8	338	SH		SOLE		0	0	338
CATERPILLAR INC	COM	149123101	182	950	SH		SOLE		0	0	950
CBRE GROUP INC	CL A	12504L109	8	84	SH		SOLE		0	0	84
CDK GLOBAL INC	COM	12508E101	26	600	SH		SOLE		0	0	600
CELANESE CORP DEL	COM	150870103	5	36	SH		SOLE		0	0	36
CEL-SCI CORP	COM PAR NEW	150837607	1	100	SH		SOLE		0	0	100
CHARLES RIV LABS INTL INC	COM	159864107	289	700	SH		SOLE		0	0	700
CHEVRON CORP NEW	COM	166764100	190	1,870	SH		SOLE		0	0	1,870
CHUBB LIMITED	COM	H1467J104	90	516	SH		SOLE		0	0	516
CIGNA CORP NEW	COM	125523100	11	55	SH		SOLE		0	0	55
CISCO SYS INC	COM	17275R102	126	2,322	SH		SOLE		0	0	2,322
CNS PHARMACEUTICALS INC	COM	18978H102	1	600	SH		SOLE		0	0	600
COCA COLA CO	COM	191216100	13	246	SH		SOLE		0	0	246
COLGATE PALMOLIVE CO	COM	194162103	103	1,360	SH		SOLE		0	0	1,360
COMCAST CORP NEW	CL A	20030N101	131	2,338	SH		SOLE		0	0	2,338
COMMUNITY BK SYS INC	COM	203607106	114	1,668	SH		SOLE		0	0	1,668
CONOCOPHILLIPS	COM	20825C104	89	1,320	SH		SOLE		0	0	1,320
CONSOLIDATED EDISON INC	COM	209115104	109	1,506	SH		SOLE		0	0	1,506
CORNING INC	COM	219350105	36	1,000	SH		SOLE		0	0	1,000
CORTEVA INC	COM	22052L104	27	653	SH		SOLE		0	0	653
COSTCO WHSL CORP NEW	COM	22160K105	487	1,083	SH		SOLE		0	0	1,083
CRISPR THERAPEUTICS AG	NAMEN AKT	H17182108	12	106	SH		SOLE		0	0	106
CSX CORP	COM	126408103	33	1,125	SH		SOLE		0	0	1,125
CUMBERLAND PHARMACEUTICALS I	COM	230770109	59	22,031	SH		SOLE		0	0	22,031
CUMMINS INC	COM	231021106	9	38	SH		SOLE		0	0	38
DANAHER CORPORATION	COM	235851102	7	24	SH		SOLE		0	0	24
DARDEN RESTAURANTS INC	COM	237194105	11	75	SH		SOLE		0	0	75
DATADOG INC	CL A COM	23804L103	85	600	SH		SOLE		0	0	600
DAVITA INC	COM	23918K108	23	200	SH		SOLE		0	0	200
DEERE & CO	COM	244199105	604	1,804	SH		SOLE		0	0	1,804
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	129	4,736	SH		SOLE		0	0	4,736
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	153	3,435	SH		SOLE		0	0	3,435
DIREXION SHS ETF TR	DLY TECH BULL 3X	25459W102	5	85	SH		SOLE		0	0	85
DIREXION SHS ETF TR	DLY SCOND 3XBU	25459W458	14	338	SH		SOLE		0	0	338
DISNEY WALT CO	COM	254687106	254	1,504	SH		SOLE		0	0	1,504
DOLLAR GEN CORP NEW	COM	256677105	4	20	SH		SOLE		0	0	20
DOMINION ENERGY INC	COM	25746U109	28	383	SH		SOLE		0	0	383
DOW INC	COM	260557103	47	815	SH		SOLE		0	0	815
DRAFTKINGS INC	COM CL A	26142R104	1	20	SH		SOLE		0	0	20
DROPBOX INC	CL A	26210C104	1	50	SH		SOLE		0	0	50
DUKE ENERGY CORP NEW	COM NEW	26441C204	14	147	SH		SOLE		0	0	147
DUPONT DE NEMOURS INC	COM	26614N102	55	815	SH		SOLE		0	0	815
DXC TECHNOLOGY CO	COM	23355L106	3	89	SH		SOLE		0	0	89
EASTMAN CHEM CO	COM	277432100	2	24	SH		SOLE		0	0	24
EBAY INC.	COM	278642103	7	100	SH		SOLE		0	0	100
EDWARDS LIFESCIENCES CORP	COM	28176E108	83	735	SH		SOLE		0	0	735
EMERSON ELEC CO	COM	291011104	14	150	SH		SOLE		0	0	150
ENBRIDGE INC	COM	29250N105	8	208	SH		SOLE		0	0	208
ENTERPRISE PRODS PARTNERS L	COM	293792107	40	1,850	SH		SOLE		0	0	1,850
ENVISTA HOLDINGS CORPORATION	COM	29415F104	61	1,448	SH		SOLE		0	0	1,448
EQUITY RESIDENTIAL	SH BEN INT	29476L107	40	500	SH		SOLE		0	0	500
EVERGY INC	COM	30034W106	5	78	SH		SOLE		0	0	78
EXACT SCIENCES CORP	COM	30063P105	15	160	SH		SOLE		0	0	160
EXCHANGE TRADED CONCEPTS TR	ROBO GLB ETF	301505707	92	1,435	SH		SOLE		0	0	1,435
EXPEDITORS INTL WASH INC	COM	302130109	24	200	SH		SOLE		0	0	200
EXXON MOBIL CORP	COM	30231G102	551	9,366	SH		SOLE		0	0	9,366
EYEGATE PHARMACEUTICALS INC	COM NEW	30233M503	3	1,171	SH		SOLE		0	0	1,171
FACEBOOK INC	CL A	30303M102	640	1,887	SH		SOLE		0	0	1,887
FEDEX CORP	COM	31428X106	78	356	SH		SOLE		0	0	356
FIRST TR EXCHANGE TRADED FD	CHINDIA ETF	33733A102	12	242	SH		SOLE		0	0	242
FIRST TR EXCHANGE TRADED FD	NASDAQ CYB ETF	33734X846	26	540	SH		SOLE		0	0	540
FORD MTR CO DEL	COM	345370860	83	5,860	SH		SOLE		0	0	5,860
FORTIS INC	COM	349553107	22	500	SH		SOLE		0	0	500
FORTUNE BRANDS HOME & SEC IN	COM	34964C106	11	128	SH		SOLE		0	0	128
FRONTLINE LTD	SHS NEW	G3682E192	2	200	SH		SOLE		0	0	200
GABELLI DIVID & INCOME TR	COM	36242H104	4	159	SH		SOLE		0	0	159
GENERAL DYNAMICS CORP	COM	369550108	221	1,129	SH		SOLE		0	0	1,129
GENERAL ELECTRIC CO	COM NEW	369604301	95	921	SH		SOLE		0	0	921
GILEAD SCIENCES INC	COM	375558103	42	600	SH		SOLE		0	0	600
GLOBAL X FDS	TELMDC&DIG ETF	37954Y285	5	270	SH		SOLE		0	0	270
GLOBAL X FDS	REIT ETF	37950E127	14	1,512	SH		SOLE		0	0	1,512
GLOBAL X FDS	INTERNET OF THNG	37954Y780	12	320	SH		SOLE		0	0	320
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	122	1,415	SH		SOLE		0	0	1,415
GOLDMAN SACHS ETF TR	ACCESS INVT GR	381430479	19	350	SH		SOLE		0	0	350
GUINNESS ATKINSON FDS	SMARTETFS ASIA	402031843	51	2,982	SH		SOLE		0	0	2,982
GUINNESS ATKINSON FDS	SMARTETFS DIVID	402031835	335	13,390	SH		SOLE		0	0	13,390
HEALTHSTREAM INC	COM	42222N103	6	200	SH		SOLE		0	0	200
HERSHEY CO	COM	427866108	152	900	SH		SOLE		0	0	900
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	17	1,184	SH		SOLE		0	0	1,184
HOME DEPOT INC	COM	437076102	425	1,293	SH		SOLE		0	0	1,293
HOPE BANCORP INC	COM	43940T109	4	281	SH		SOLE		0	0	281
HP INC	COM	40434L105	18	642	SH		SOLE		0	0	642
IAC INTERACTIVECORP NEW	COM NEW	44891N208	16	125	SH		SOLE		0	0	125
IDEXX LABS INC	COM	45168D104	62	100	SH		SOLE		0	0	100
INGERSOLL RAND INC	COM	45687V106	12	245	SH		SOLE		0	0	245
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C797	18	624	SH		SOLE		0	0	624
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	518	15,858	SH		SOLE		0	0	15,858
INNOVATOR ETFS TR	US EQTY BUFR JAN	45782C409	78	2,157	SH		SOLE		0	0	2,157
INNOVATOR ETFS TR	US EQT PWR BUF	45782C870	62	2,177	SH		SOLE		0	0	2,177
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	32	1,037	SH		SOLE		0	0	1,037
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C656	6	202	SH		SOLE		0	0	202
INNOVATOR ETFS TR	US EQTY ULTRA B	45782C649	29	1,036	SH		SOLE		0	0	1,036
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C573	123	4,037	SH		SOLE		0	0	4,037
INNOVATOR ETFS TR	S&P 500 ULTRA	45782C425	64	2,313	SH		SOLE		0	0	2,313
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C383	21	675	SH		SOLE		0	0	675
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C375	33	1,141	SH		SOLE		0	0	1,141
INNOVATOR ETFS TR	DOUBLE STACKR 9	45782C219	78	2,688	SH		SOLE		0	0	2,688
INNOVATOR ETFS TR	DOUBLE STACKR 9	45782C136	57	2,058	SH		SOLE		0	0	2,058
INNOVATOR ETFS TR	US EQUITY ACCELE	45783Y301	38	1,421	SH		SOLE		0	0	1,421
INTEL CORP	COM	458140100	80	1,504	SH		SOLE		0	0	1,504
INTERNATIONAL BUSINESS MACHS	COM	459200101	307	2,211	SH		SOLE		0	0	2,211
INTERPUBLIC GROUP COS INC	COM	460690100	71	1,932	SH		SOLE		0	0	1,932
INVESCO DB MULTI-SECTOR COMM	AGRICULTURE FD	46140H106	7	350	SH		SOLE		0	0	350
INVESCO EXCH TRADED FD TR II	S&P INTL QULTY	46138E214	214	7,093	SH		SOLE		0	0	7,093
INVESCO EXCH TRADED FD TR II	EMRNG MKT SVRG	46138E784	5	182	SH		SOLE		0	0	182
INVESCO EXCH TRADED FD TR II	FTSE RAFI SML	46138E735	123	3,285	SH		SOLE		0	0	3,285
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	38	2,502	SH		SOLE		0	0	2,502
INVESCO EXCH TRADED FD TR II	S&P SMLCP INFO	46138E115	37	262	SH		SOLE		0	0	262
INVESCO EXCH TRADED FD TR II	S&P500 HDL VOL	46138E362	95	2,252	SH		SOLE		0	0	2,252
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	503	3,356	SH		SOLE		0	0	3,356
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,315	8,305	SH		SOLE		0	0	8,305
INVESCO EXCHANGE TRADED FD T	S&P500 PUR GWT	46137V266	28	144	SH		SOLE		0	0	144
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1500	46137V597	1,141	6,254	SH		SOLE		0	0	6,254
INVESCO QQQ TR	UNIT SER 1	46090E103	720	2,012	SH		SOLE		0	0	2,012
ISHARES GOLD TR	ISHARES NEW	464285204	7,455	223,145	SH		SOLE		0	0	223,145
ISHARES INC	MSCI JPN ETF NEW	46434G822	2	32	SH		SOLE		0	0	32
ISHARES INC	EM MKT SM-CP ETF	464286475	4	64	SH		SOLE		0	0	64
ISHARES INC	MSCI EMERG MRKT	464286533	18	280	SH		SOLE		0	0	280
ISHARES INC	JP MORGAN EM ETF	464286517	140	3,294	SH		SOLE		0	0	3,294
ISHARES INC	EM MKTS DIV ETF	464286319	36	915	SH		SOLE		0	0	915
ISHARES INC	MSCI WORLD ETF	464286392	4	33	SH		SOLE		0	0	33
ISHARES INC	CORE MSCI EMKT	46434G103	14	234	SH		SOLE		0	0	234
ISHARES INC	MSCI EMRG CHN	46434G764	12	201	SH		SOLE		0	0	201
ISHARES SILVER TR	ISHARES	46428Q109	64	3,100	SH		SOLE		0	0	3,100
ISHARES TR	CORE S&P MCP ETF	464287507	6,151	23,382	SH		SOLE		0	0	23,382
ISHARES TR	S&P MC 400VL ETF	464287705	9,633	93,490	SH		SOLE		0	0	93,490
ISHARES TR	S&P MC 400GR ETF	464287606	9,268	117,039	SH		SOLE		0	0	117,039
ISHARES TR	CORE S&P SCP ETF	464287804	2,144	19,633	SH		SOLE		0	0	19,633
ISHARES TR	SP SMCP600VL ETF	464287879	8,224	81,694	SH		SOLE		0	0	81,694
ISHARES TR	S&P SML 600 GWT	464287887	8,936	68,718	SH		SOLE		0	0	68,718
ISHARES TR	S&P 500 VAL ETF	464287408	3,965	27,264	SH		SOLE		0	0	27,264
ISHARES TR	CORE S&P500 ETF	464287200	5,126	11,899	SH		SOLE		0	0	11,899
ISHARES TR	S&P 500 GRWT ETF	464287309	9,223	124,784	SH		SOLE		0	0	124,784
ISHARES TR	RUS 1000 VAL ETF	464287598	58	368	SH		SOLE		0	0	368
ISHARES TR	RUS 1000 GRW ETF	464287614	55	200	SH		SOLE		0	0	200
ISHARES TR	RUSSELL 2000 ETF	464287655	31	142	SH		SOLE		0	0	142
ISHARES TR	U.S. REAL ES ETF	464287739	11	104	SH		SOLE		0	0	104
ISHARES TR	RUS 2000 GRW ETF	464287648	31	107	SH		SOLE		0	0	107
ISHARES TR	MSCI EAFE ETF	464287465	166	2,126	SH		SOLE		0	0	2,126
ISHARES TR	RUS MID CAP ETF	464287499	20	251	SH		SOLE		0	0	251
ISHARES TR	RUS MD CP GR ETF	464287481	32	288	SH		SOLE		0	0	288
ISHARES TR	RUS MDCP VAL ETF	464287473	42	372	SH		SOLE		0	0	372
ISHARES TR	GLOBAL ENERG ETF	464287341	4	142	SH		SOLE		0	0	142
ISHARES TR	ISHARES BIOTECH	464287556	113	699	SH		SOLE		0	0	699
ISHARES TR	BARCLAYS 7 10 YR	464287440	2	15	SH		SOLE		0	0	15
ISHARES TR	20 YR TR BD ETF	464287432	3	22	SH		SOLE		0	0	22
ISHARES TR	MSCI EMG MKT ETF	464287234	185	3,673	SH		SOLE		0	0	3,673
ISHARES TR	EXPANDED TECH	464287515	184	461	SH		SOLE		0	0	461
ISHARES TR	CORE US AGGBD ET	464287226	120	1,045	SH		SOLE		0	0	1,045
ISHARES TR	SELECT DIVID ETF	464287168	251	2,188	SH		SOLE		0	0	2,188
ISHARES TR	TIPS BD ETF	464287176	271	2,125	SH		SOLE		0	0	2,125
ISHARES TR	US TRSPRTION	464287192	27	112	SH		SOLE		0	0	112
ISHARES TR	EAFE GRWTH ETF	464288885	1,884	17,695	SH		SOLE		0	0	17,695
ISHARES TR	U.S. MED DVC ETF	464288810	300	4,783	SH		SOLE		0	0	4,783
ISHARES TR	IBOXX HI YD ETF	464288513	4	44	SH		SOLE		0	0	44
ISHARES TR	MBS ETF	464288588	1	13	SH		SOLE		0	0	13
ISHARES TR	PFD AND INCM SEC	464288687	748	19,265	SH		SOLE		0	0	19,265
ISHARES TR	INTL SEL DIV ETF	464288448	4,010	131,816	SH		SOLE		0	0	131,816
ISHARES TR	NATIONAL MUN ETF	464288414	217	1,866	SH		SOLE		0	0	1,866
ISHARES TR	JPMORGAN USD EMG	464288281	754	6,847	SH		SOLE		0	0	6,847
ISHARES TR	EAFE SML CP ETF	464288273	1,135	15,255	SH		SOLE		0	0	15,255
ISHARES TR	CRE U S REIT ETF	464288521	23	400	SH		SOLE		0	0	400
ISHARES TR	GL CLEAN ENE ETF	464288224	35	1,639	SH		SOLE		0	0	1,639
ISHARES TR	US TREAS BD ETF	46429B267	315	11,877	SH		SOLE		0	0	11,877
ISHARES TR	CORE MSCI TOTAL	46432F834	8	108	SH		SOLE		0	0	108
ISHARES TR	CORE MSCI EAFE	46432F842	39	526	SH		SOLE		0	0	526
ISHARES TR	MSCI USA QLT FCT	46432F339	336	2,551	SH		SOLE		0	0	2,551
ISHARES TR	GLOBAL REIT ETF	46434V647	10	347	SH		SOLE		0	0	347
ITT INC	COM	45073V108	75	878	SH		SOLE		0	0	878
J P MORGAN EXCHANGE-TRADED F	BETABULDRS JAPAN	46641Q217	5	77	SH		SOLE		0	0	77
J P MORGAN EXCHANGE-TRADED F	BETABUILDERS EUR	46641Q191	3	61	SH		SOLE		0	0	61
J P MORGAN EXCHANGE-TRADED F	BETABUILDERS CDA	46641Q225	4	63	SH		SOLE		0	0	63
J P MORGAN EXCHANGE-TRADED F	BETABUILDERS DEV	46641Q233	3	57	SH		SOLE		0	0	57
JOHNSON & JOHNSON	COM	478160104	1,682	10,415	SH		SOLE		0	0	10,415
JPMORGAN CHASE & CO	COM	46625H100	221	1,349	SH		SOLE		0	0	1,349
KIMBERLY-CLARK CORP	COM	494368103	16	120	SH		SOLE		0	0	120
KINDER MORGAN INC DEL	COM	49456B101	58	3,496	SH		SOLE		0	0	3,496
KRAFT HEINZ CO	COM	500754106	2	42	SH		SOLE		0	0	42
KRATOS DEFENSE & SEC SOLUTIO	COM NEW	50077B207	18	800	SH		SOLE		0	0	800
L3HARRIS TECHNOLOGIES INC	COM	502431109	47	215	SH		SOLE		0	0	215
LAKELAND BANCORP INC	COM	511637100	838	47,550	SH		SOLE		0	0	47,550
LAM RESEARCH CORP	COM	512807108	171	300	SH		SOLE		0	0	300
LAUDER ESTEE COS INC	CL A	518439104	5	18	SH		SOLE		0	0	18
LEAR CORP	COM NEW	521865204	63	400	SH		SOLE		0	0	400
LI AUTO INC	SPONSORED ADS	50202M102	4	153	SH		SOLE		0	0	153
LIBERTY BROADBAND CORP	COM SER A	530307107	4	24	SH		SOLE		0	0	24
LIBERTY BROADBAND CORP	COM SER C	530307305	8	48	SH		SOLE		0	0	48
LIBERTY MEDIA CORP DEL	COM A BRAVES GRP	531229706	0	9	SH		SOLE		0	0	9
LIBERTY MEDIA CORP DEL	COM A SIRIUSXM	531229409	5	96	SH		SOLE		0	0	96
LIBERTY MEDIA CORP DEL	COM SER A FRMLA	531229870	1	24	SH		SOLE		0	0	24
LIBERTY MEDIA CORP DEL	COM C BRAVES GRP	531229888	1	19	SH		SOLE		0	0	19
LIBERTY MEDIA CORP DEL	COM C SIRIUSXM	531229607	9	192	SH		SOLE		0	0	192
LIBERTY MEDIA CORP DEL	COM SER C FRMLA	531229854	2	48	SH		SOLE		0	0	48
LILLY ELI & CO	COM	532457108	197	851	SH		SOLE		0	0	851
LOWES COS INC	COM	548661107	227	1,118	SH		SOLE		0	0	1,118
MAGELLAN MIDSTREAM PRTNRS LP	COM UNIT RP LP	559080106	28	619	SH		SOLE		0	0	619
MANPOWERGROUP INC WIS	COM	56418H100	14	128	SH		SOLE		0	0	128
MARRIOTT INTL INC NEW	CL A	571903202	60	403	SH		SOLE		0	0	403
MARRIOTT VACATIONS WORLDWIDE	COM	57164Y107	6	40	SH		SOLE		0	0	40
MARTIN MIDSTREAM PRTNRS L P	UNIT L P INT	573331105	1	443	SH		SOLE		0	0	443
MARVELL TECHNOLOGY INC	COM	573874104	48	800	SH		SOLE		0	0	800
MATCH GROUP INC NEW	COM	57667L107	42	269	SH		SOLE		0	0	269
MCDONALDS CORP	COM	580135101	546	2,265	SH		SOLE		0	0	2,265
MEDICAL PPTYS TRUST INC	COM	58463J304	12	590	SH		SOLE		0	0	590
MEDTRONIC PLC	SHS	G5960L103	92	734	SH		SOLE		0	0	734
MERCK & CO INC	COM	58933Y105	128	1,710	SH		SOLE		0	0	1,710
META MATERIALS INC	COM	59134N104	2	300	SH		SOLE		0	0	300
METLIFE INC	COM	59156R108	25	410	SH		SOLE		0	0	410
MICROSOFT CORP	COM	594918104	616	2,184	SH		SOLE		0	0	2,184
MONDELEZ INTL INC	CL A	609207105	73	1,257	SH		SOLE		0	0	1,257
NEXTERA ENERGY INC	COM	65339F101	112	1,426	SH		SOLE		0	0	1,426
NGL ENERGY PARTNERS LP	COM UNIT REPST	62913M107	4	1,811	SH		SOLE		0	0	1,811
NIO INC	SPON ADS	62914V106	4	103	SH		SOLE		0	0	103
NORFOLK SOUTHN CORP	COM	655844108	252	1,054	SH		SOLE		0	0	1,054
NORTHROP GRUMMAN CORP	COM	666807102	7	20	SH		SOLE		0	0	20
NOVOCURE LTD	ORD SHS	G6674U108	17	150	SH		SOLE		0	0	150
NUSHARES ETF TR	NUVEEN ESG MIDVL	67092P508	53	1,474	SH		SOLE		0	0	1,474
NUSHARES ETF TR	NUVEEN ESG MIDCP	67092P409	9	171	SH		SOLE		0	0	171
NUVEEN AMT FREE QLTY MUN INC	COM	670657105	40	2,612	SH		SOLE		0	0	2,612
OMEGA HEALTHCARE INVS INC	COM	681936100	46	1,544	SH		SOLE		0	0	1,544
ONE LIBERTY PPTYS INC	COM	682406103	22	726	SH		SOLE		0	0	726
ORACLE CORP	COM	68389X105	99	1,141	SH		SOLE		0	0	1,141
ORGANON & CO	COMMON STOCK	68622V106	1	44	SH		SOLE		0	0	44
PALANTIR TECHNOLOGIES INC	CL A	69608A108	26	1,100	SH		SOLE		0	0	1,100
PAYPAL HLDGS INC	COM	70450Y103	78	300	SH		SOLE		0	0	300
PEPSICO INC	COM	713448108	459	3,051	SH		SOLE		0	0	3,051
PFIZER INC	COM	717081103	105	2,438	SH		SOLE		0	0	2,438
PHILIP MORRIS INTL INC	COM	718172109	29	310	SH		SOLE		0	0	310
PHILLIPS 66	COM	718546104	77	1,093	SH		SOLE		0	0	1,093
PINTEREST INC	CL A	72352L106	5	100	SH		SOLE		0	0	100
PNC FINL SVCS GROUP INC	COM	693475105	188	960	SH		SOLE		0	0	960
POPULAR INC	COM NEW	733174700	8	100	SH		SOLE		0	0	100
PPG INDS INC	COM	693506107	146	1,020	SH		SOLE		0	0	1,020
PPL CORP	COM	69351T106	44	1,568	SH		SOLE		0	0	1,568
PROCTER AND GAMBLE CO	COM	742718109	361	2,581	SH		SOLE		0	0	2,581
PROGRESSIVE CORP	COM	743315103	40	446	SH		SOLE		0	0	446
PROSHARES TR	LARGE CAP CRE	74347R248	9	86	SH		SOLE		0	0	86
PRUDENTIAL FINL INC	COM	744320102	81	774	SH		SOLE		0	0	774
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	81	1,324	SH		SOLE		0	0	1,324
QUALCOMM INC	COM	747525103	19	150	SH		SOLE		0	0	150
QUANTUMSCAPE CORP	COM CL A	74767V109	8	346	SH		SOLE		0	0	346
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	13	157	SH		SOLE		0	0	157
REALTY INCOME CORP	COM	756109104	559	8,626	SH		SOLE		0	0	8,626
REGENERON PHARMACEUTICALS	COM	75886F107	9	15	SH		SOLE		0	0	15
RESMED INC	COM	761152107	26	100	SH		SOLE		0	0	100
ROBLOX CORP	CL A	771049103	11	150	SH		SOLE		0	0	150
ROYAL CARIBBEAN GROUP	COM	V7780T103	9	100	SH		SOLE		0	0	100
ROYAL GOLD INC	COM	780287108	43	448	SH		SOLE		0	0	448
RPM INTL INC	COM	749685103	1	10	SH		SOLE		0	0	10
S&P GLOBAL INC	COM	78409V104	20	48	SH		SOLE		0	0	48
SALESFORCE COM INC	COM	79466L302	18	66	SH		SOLE		0	0	66
SCHLUMBERGER LTD	COM STK	806857108	9	300	SH		SOLE		0	0	300
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	185	1,781	SH		SOLE		0	0	1,781
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	199	5,135	SH		SOLE		0	0	5,135
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	15	229	SH		SOLE		0	0	229
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	58	1,390	SH		SOLE		0	0	1,390
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	529	17,356	SH		SOLE		0	0	17,356
SCHWAB STRATEGIC TR	US REIT ETF	808524847	42	929	SH		SOLE		0	0	929
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	129	1,743	SH		SOLE		0	0	1,743
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	2,937	75,864	SH		SOLE		0	0	75,864
SCHWAB STRATEGIC TR	SCHWAB FDT US SC	808524763	46	882	SH		SOLE		0	0	882
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	4	133	SH		SOLE		0	0	133
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	11	334	SH		SOLE		0	0	334
SCHWAB STRATEGIC TR	SCHWAB FDT US LG	808524771	5,618	104,130	SH		SOLE		0	0	104,130
SELECTIVE INS GROUP INC	COM	816300107	1,152	15,258	SH		SOLE		0	0	15,258
SERVICENOW INC	COM	81762P102	34	54	SH		SOLE		0	0	54
SIMON PPTY GROUP INC NEW	COM	828806109	22	167	SH		SOLE		0	0	167
SL GREEN RLTY CORP	COM	78440X804	35	498	SH		SOLE		0	0	498
SNOWFLAKE INC	CL A	833445109	11	35	SH		SOLE		0	0	35
SOFI TECHNOLOGIES INC	COM	83406F102	10	600	SH		SOLE		0	0	600
SOUTHERN CO	COM	842587107	39	626	SH		SOLE		0	0	626
SOUTHWEST AIRLS CO	COM	844741108	39	750	SH		SOLE		0	0	750
SPDR GOLD TR	GOLD SHS	78463V107	3,074	18,717	SH		SOLE		0	0	18,717
SPDR INDEX SHS FDS	DJ INTL RL ETF	78463X863	69	1,943	SH		SOLE		0	0	1,943
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	48	1,125	SH		SOLE		0	0	1,125
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	12	411	SH		SOLE		0	0	411
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	42	1,150	SH		SOLE		0	0	1,150
SPDR INDEX SHS FDS	S&P EMKTSC ETF	78463X756	2	40	SH		SOLE		0	0	40
SPDR INDEX SHS FDS	PORTFLI MSCI GBL	78463X475	19	355	SH		SOLE		0	0	355
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,120	2,611	SH		SOLE		0	0	2,611
SPDR SER TR	S&P 600 SMCP VAL	78464A300	139	1,698	SH		SOLE		0	0	1,698
SPDR SER TR	S&P 600 SMCP GRW	78464A201	145	1,664	SH		SOLE		0	0	1,664
SPDR SER TR	PRTFLO S&P500 GW	78464A409	43	679	SH		SOLE		0	0	679
SPDR SER TR	S&P DIVID ETF	78464A763	216	1,836	SH		SOLE		0	0	1,836
SPDR SER TR	S&P 400 MDCP VAL	78464A839	338	5,108	SH		SOLE		0	0	5,108
SPDR SER TR	NUVEEN BLMBRG SR	78468R739	15	302	SH		SOLE		0	0	302
SPDR SER TR	S&P BK ETF	78464A797	4	76	SH		SOLE		0	0	76
SPDR SER TR	S&P 400 MDCP GRW	78464A821	178	2,353	SH		SOLE		0	0	2,353
SPDR SER TR	PORTFOLIO S&P400	78464A847	88	1,900	SH		SOLE		0	0	1,900
SPDR SER TR	FTSE INT GVT ETF	78464A490	78	1,430	SH		SOLE		0	0	1,430
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	297	9,950	SH		SOLE		0	0	9,950
SPDR SER TR	PORTFOLIO S&P600	78468R853	64	1,500	SH		SOLE		0	0	1,500
SPDR SER TR	PRTFLO S&P500 HI	78468R788	93	2,375	SH		SOLE		0	0	2,375
STARBUCKS CORP	COM	855244109	73	665	SH		SOLE		0	0	665
STRYKER CORPORATION	COM	863667101	165	626	SH		SOLE		0	0	626
SUMO LOGIC INC	COM	86646P103	18	1,100	SH		SOLE		0	0	1,100
SUNCOKE ENERGY INC	COM	86722A103	1	126	SH		SOLE		0	0	126
TAYLOR MORRISON HOME CORP	COM	87724P106	5	180	SH		SOLE		0	0	180
TELADOC HEALTH INC	COM	87918A105	7	55	SH		SOLE		0	0	55
TESLA INC	COM	88160R101	237	306	SH		SOLE		0	0	306
TEXAS INSTRS INC	COM	882508104	169	877	SH		SOLE		0	0	877
T-MOBILE US INC	COM	872590104	5	40	SH		SOLE		0	0	40
TORONTO DOMINION BK ONT	COM NEW	891160509	318	4,800	SH		SOLE		0	0	4,800
TOYOTA MOTOR CORP	SP ADR REP2COM	892331307	11	60	SH		SOLE		0	0	60
TRANE TECHNOLOGIES PLC	SHS	G8994E103	15	86	SH		SOLE		0	0	86
TRAVELERS COMPANIES INC	COM	89417E109	38	250	SH		SOLE		0	0	250
TRUIST FINL CORP	COM	89832Q109	44	756	SH		SOLE		0	0	756
UBER TECHNOLOGIES INC	COM	90353T100	25	564	SH		SOLE		0	0	564
UIPATH INC	CL A	90364P105	26	500	SH		SOLE		0	0	500
UNION PAC CORP	COM	907818108	267	1,364	SH		SOLE		0	0	1,364
UNITED AIRLS HLDGS INC	COM	910047109	23	478	SH		SOLE		0	0	478
UNITED PARCEL SERVICE INC	CL B	911312106	710	3,897	SH		SOLE		0	0	3,897
UNITED RENTALS INC	COM	911363109	8	22	SH		SOLE		0	0	22
UNITED STS COMMODITY INDEX F	COMM IDX FND	911717106	2	41	SH		SOLE		0	0	41
UNITED STS OIL FD LP	UNITS	91232N207	1	17	SH		SOLE		0	0	17
UNITEDHEALTH GROUP INC	COM	91324P102	6	16	SH		SOLE		0	0	16
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	305	3,720	SH		SOLE		0	0	3,720
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	482	5,390	SH		SOLE		0	0	5,390
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	11	127	SH		SOLE		0	0	127
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	286	5,028	SH		SOLE		0	0	5,028
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	26	115	SH		SOLE		0	0	115
VANGUARD INDEX FDS	VALUE ETF	922908744	77	567	SH		SOLE		0	0	567
VANGUARD INDEX FDS	MID CAP ETF	922908629	665	2,810	SH		SOLE		0	0	2,810
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	2,153	12,723	SH		SOLE		0	0	12,723
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,226	31,696	SH		SOLE		0	0	31,696
VANGUARD INDEX FDS	SMALL CP ETF	922908751	140	640	SH		SOLE		0	0	640
VANGUARD INDEX FDS	GROWTH ETF	922908736	139	479	SH		SOLE		0	0	479
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	1,541	5,501	SH		SOLE		0	0	5,501
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	1,856	7,856	SH		SOLE		0	0	7,856
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	2,330	16,689	SH		SOLE		0	0	16,689
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	34	86	SH		SOLE		0	0	86
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	824	16,484	SH		SOLE		0	0	16,484
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	6	94	SH		SOLE		0	0	94
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	40	300	SH		SOLE		0	0	300
VANGUARD INTL EQUITY INDEX F	GLB EX US ETF	922042676	34	603	SH		SOLE		0	0	603
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	148	1,794	SH		SOLE		0	0	1,794
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	13	192	SH		SOLE		0	0	192
VANGUARD SCOTTSDALE FDS	VNG RUS1000VAL	92206C714	174	2,528	SH		SOLE		0	0	2,528
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	678	4,417	SH		SOLE		0	0	4,417
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	4,930	97,640	SH		SOLE		0	0	97,640
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	3,799	36,756	SH		SOLE		0	0	36,756
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	5	19	SH		SOLE		0	0	19
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	55	394	SH		SOLE		0	0	394
VEREIT INC	COM	92339V308	58	1,272	SH		SOLE		0	0	1,272
VERIZON COMMUNICATIONS INC	COM	92343V104	258	4,778	SH		SOLE		0	0	4,778
VIATRIS INC	COM	92556V106	11	805	SH		SOLE		0	0	805
VIMEO INC	COMMON STOCK	92719V100	6	202	SH		SOLE		0	0	202
VISA INC	COM CL A	92826C839	21	94	SH		SOLE		0	0	94
WABTEC	COM	929740108	1	8	SH		SOLE		0	0	8
WALMART INC	COM	931142103	6	40	SH		SOLE		0	0	40
WASHINGTON FED INC	COM	938824109	24	686	SH		SOLE		0	0	686
WASTE MGMT INC DEL	COM	94106L109	15	98	SH		SOLE		0	0	98
WAYFAIR INC	CL A	94419L101	3	10	SH		SOLE		0	0	10
WEC ENERGY GROUP INC	COM	92939U106	10	112	SH		SOLE		0	0	112
WELLS FARGO CO NEW	COM	949746101	19	400	SH		SOLE		0	0	400
WEYERHAEUSER CO MTN BE	COM NEW	962166104	23	659	SH		SOLE		0	0	659
WISDOMTREE TR	EMG MKTS SMCAP	97717W281	1,555	29,079	SH		SOLE		0	0	29,079
WISDOMTREE TR	EM EX ST-OWNED	97717X578	75	2,000	SH		SOLE		0	0	2,000
WP CAREY INC	COM	92936U109	27	374	SH		SOLE		0	0	374
WPP PLC NEW	ADR	92937A102	7	97	SH		SOLE		0	0	97
XCEL ENERGY INC	COM	98389B100	52	829	SH		SOLE		0	0	829
YUM BRANDS INC	COM	988498101	57	470	SH		SOLE		0	0	470
YUM CHINA HLDGS INC	COM	98850P109	27	470	SH		SOLE		0	0	470
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	96	654	SH		SOLE		0	0	654
ZOOM VIDEO COMMUNICATIONS IN	CL A	98980L101	8	31	SH		SOLE		0	0	31