The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it 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 |
| BONDBLOXX ETF TRUST | BLOOMBERG SIX MN | 09789C788 | 3,636,716 | 72,408 | SH | SOLE | 0 | 0 | 72,408 | ||
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | 7,431,556 | 316,776 | SH | SOLE | 0 | 0 | 316,776 | ||
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 | 3,365,685 | 74,101 | SH | SOLE | 0 | 0 | 74,101 | ||
| ISHARES TR | ISHS 1-5YR INVS | 464288646 | 4,374,510 | 87,194 | SH | SOLE | 0 | 0 | 87,194 | ||
| ISHARES TR | EAFE SML CP ETF | 464288273 | 14,545,835 | 246,623 | SH | SOLE | 0 | 0 | 246,623 | ||
| ISHARES TR | MSCI INTL MOMENT | 46434V449 | 9,648,760 | 290,625 | SH | SOLE | 0 | 0 | 290,625 | ||
| ISHARES TR | MSCI USA MMENTM | 46432F396 | 9,562,737 | 66,293 | SH | SOLE | 0 | 0 | 66,293 | ||
| J P MORGAN EXCHANGE TRADED F | US MOMENTUM | 46641Q779 | 10,193,302 | 240,579 | SH | SOLE | 0 | 0 | 240,579 | ||
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | 7,161,545 | 141,953 | SH | SOLE | 0 | 0 | 141,953 | ||
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | 5,644,011 | 90,638 | SH | SOLE | 0 | 0 | 90,638 | ||
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | 14,551,305 | 102,402 | SH | SOLE | 0 | 0 | 102,402 | ||
| WISDOMTREE TR | EMG MKTS SMCAP | 97717W281 | 4,708,731 | 101,198 | SH | SOLE | 0 | 0 | 101,198 | ||
| BONDBLOXX ETF TRUST | BLOOMBERG ONE YR | 09789C861 | 689,359 | 13,877 | SH | SOLE | 0 | 0 | 13,877 | ||
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 | 11,758,203 | 262,401 | SH | SOLE | 0 | 0 | 262,401 | ||
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 | 1,372,640 | 25,509 | SH | SOLE | 0 | 0 | 25,509 | ||
| ISHARES TR | JPMORGAN USD EMG | 464288281 | 887,085 | 10,251 | SH | SOLE | 0 | 0 | 10,251 | ||
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | 572,672 | 5,504 | SH | SOLE | 0 | 0 | 5,504 | ||
| VANGUARD WHITEHALL FDS | INTL DVD ETF | 921946810 | 1,254,782 | 16,710 | SH | SOLE | 0 | 0 | 16,710 | ||
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | 2,244,848 | 67,636 | SH | SOLE | 0 | 0 | 67,636 | ||
| SPDR INDEX SHS FDS | S&P EMKTSC ETF | 78463X756 | 386,047 | 7,352 | SH | SOLE | 0 | 0 | 7,352 | ||
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | 969,567 | 35,489 | SH | SOLE | 0 | 0 | 35,489 | ||
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 | 1,385,199 | 44,698 | SH | SOLE | 0 | 0 | 44,698 | ||
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 345,218 | 4,568 | SH | SOLE | 0 | 0 | 4,568 | ||
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | 364,848 | 10,575 | SH | SOLE | 0 | 0 | 10,575 | ||
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | 431,475 | 17,941 | SH | SOLE | 0 | 0 | 17,941 | ||
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | 3,202,211 | 47,440 | SH | SOLE | 0 | 0 | 47,440 | ||
| ISHARES INC | MSCI EMERG MRKT | 464286533 | 922,525 | 16,779 | SH | SOLE | 0 | 0 | 16,779 | ||
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | 5,480,169 | 73,728 | SH | SOLE | 0 | 0 | 73,728 | ||
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 | 1,622,563 | 32,035 | SH | SOLE | 0 | 0 | 32,035 | ||
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 230,214 | 4,985 | SH | SOLE | 0 | 0 | 4,985 | ||
| NEW MTN FIN CORP | COM | 647551100 | 272,374 | 21,895 | SH | SOLE | 0 | 0 | 21,895 | ||
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 | 1,097,886 | 23,687 | SH | SOLE | 0 | 0 | 23,687 | ||
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT INC | 46641Q837 | 1,175,768 | 23,450 | SH | SOLE | 0 | 0 | 23,450 | ||
| JOHNSON & JOHNSON | COM | 478160104 | 293,202 | 1,771 | SH | SOLE | 0 | 0 | 1,771 | ||
| NEW JERSEY RES CORP | COM | 646025106 | 311,781 | 6,606 | SH | SOLE | 0 | 0 | 6,606 | ||
| APPLE INC | COM | 037833100 | 1,125,996 | 5,805 | SH | SOLE | 0 | 0 | 5,805 | ||
| EVERSOURCE ENERGY | COM | 30040W108 | 322,165 | 4,543 | SH | SOLE | 0 | 0 | 4,543 | ||
| CHIMERA INVT CORP | COM NEW | 16934Q208 | 104,627 | 18,133 | SH | SOLE | 0 | 0 | 18,133 | ||
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 | 1,000,924 | 4,554 | SH | SOLE | 0 | 0 | 4,554 | ||
| CHEVRON CORP NEW | COM | 166764100 | 915,777 | 5,820 | SH | SOLE | 0 | 0 | 5,820 | ||
| PROCTER AND GAMBLE CO | COM | 742718109 | 356,135 | 2,347 | SH | SOLE | 0 | 0 | 2,347 | ||
| FLEXSHARES TR | QUALT DIVD IDX | 33939L860 | 348,489 | 6,030 | SH | SOLE | 0 | 0 | 6,030 | ||
| CHUBB LIMITED | COM | H1467J104 | 345,667 | 1,795 | SH | SOLE | 0 | 0 | 1,795 | ||
| VERISK ANALYTICS INC | COM | 92345Y106 | 371,887 | 1,645 | SH | SOLE | 0 | 0 | 1,645 | ||
| VERIZON COMMUNICATIONS INC | COM | 92343V104 | 292,496 | 7,865 | SH | SOLE | 0 | 0 | 7,865 | ||
| MERCK & CO INC | COM | 58933Y105 | 1,735,581 | 15,041 | SH | SOLE | 0 | 0 | 15,041 | ||
| MARRIOTT INTL INC NEW | CL A | 571903202 | 209,774 | 1,142 | SH | SOLE | 0 | 0 | 1,142 | ||
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 | 627,440 | 1,840 | SH | SOLE | 0 | 0 | 1,840 | ||
| BROADRIDGE FINL SOLUTIONS IN | COM | 11133T103 | 310,888 | 1,877 | SH | SOLE | 0 | 0 | 1,877 | ||