Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VGSH	VANGUARD SCOTTSDALE FDS	185,053	$10.89M	11.2%	$58.85	—	SHORT TERM TREAS	92206C102
BND	VANGUARD BD INDEX FDS	137,518	$10.35M	10.7%	$82.88	—	TOTAL BND MRKT	921937835
IWD	ISHARES TR	68,545	$9.941M	10.3%	$149.87	—	RUS 1000 VAL ETF	464287598
AJG	GALLAGHER ARTHUR J & CO	59,320	$9.671M	10.0%	$107.71	+48.7%	COM	363576109
IWF	ISHARES TR	34,461	$7.536M	7.8%	$252.76	—	RUS 1000 GRW ETF	464287614
VEA	VANGUARD TAX-MANAGED INTL FD	141,505	$5.775M	6.0%	$47.87	—	VAN FTSE DEV MKT	921943858
IWM	ISHARES TR	29,255	$4.954M	5.1%	$196.57	—	RUSSELL 2000 ETF	464287655
IVV	ISHARES TR	10,890	$4.129M	4.3%	$375.41	—	CORE S&P500 ETF	464287200
MDY	SPDR S&P MIDCAP 400 ETF TR	8,707	$3.598M	3.7%	$434.47	—	UTSER1 S&PDCRP	78467Y107
AGG	ISHARES TR	24,154	$2.459M	2.5%	$118.19	—	CORE US AGGBD ET	464287226
VWO	VANGUARD INTL EQUITY INDEX F	56,920	$2.371M	2.4%	$49.40	—	FTSE EMR MKT ETF	922042858
IJH	ISHARES TR	7,466	$1.689M	1.7%	$230.88	—	CORE S&P MCP ETF	464287507
JEPI	J P MORGAN EXCHANGE TRADED F	30,000	$1.664M	1.7%	$59.60	—	EQUITY PREMIUM	46641Q332
EFA	ISHARES TR	26,581	$1.659M	1.7%	$72.97	—	MSCI EAFE ETF	464287465
TAN	INVESCO EXCH TRADED FD TR II	22,918	$1.636M	1.7%	$100.55	—	SOLAR ETF	46138G706
VDE	VANGUARD WORLD FDS	14,920	$1.487M	1.5%	$78.73	—	ENERGY ETF	92204A306
VOO	VANGUARD INDEX FDS	4,210	$1.456M	1.5%	$344.16	—	S&P 500 ETF SHS	922908363
IWR	ISHARES TR	20,725	$1.338M	1.4%	$68.53	—	RUS MID CAP ETF	464287499
GLD	SPDR GOLD TR	7,726	$1.305M	1.3%	$176.12	—	GOLD SHS	78463V107
VCLT	VANGUARD SCOTTSDALE FDS	12,577	$1.02M	1.1%	$111.06	—	LG-TERM COR BD	92206C813
MSFT	MICROSOFT CORP	3,841	$987K	1.0%	$206.04	+27.9%	COM	594918104
GOOGL	ALPHABET INC	407	$887K	0.9%	$83.49	+40.0%	CAP STK CL A	02079K305
NJR	NEW JERSEY RES CORP	19,563	$871K	0.9%	$26.92	+45.5%	COM	646025106
TIP	ISHARES TR	7,595	$865K	0.9%	$127.48	—	TIPS BD ETF	464287176
IVE	ISHARES TR	5,687	$782K	0.8%	$128.03	—	S&P 500 VAL ETF	464287408
EEM	ISHARES TR	18,427	$739K	0.8%	$51.43	—	MSCI EMG MKT ETF	464287234
AAPL	APPLE INC	5,007	$684K	0.7%	$119.41	+24.5%	COM	037833100
MA	MASTERCARD INCORPORATED	1,900	$599K	0.6%	$323.35	+4.3%	CL A	57636Q104
VNQ	VANGUARD INDEX FDS	6,106	$560K	0.6%	$89.15	—	REAL ESTATE ETF	922908553
—	BLACKROCK INC	796	$484K	0.5%	$721.74	—	COM	09247X101
V	VISA INC	2,219	$436K	0.5%	$197.22	+2.0%	COM CL A	92826C839
BRK/A	BERKSHIRE HATHAWAY INC DEL	1	$409K	0.4%	$330761.80	+42.5%	CL A	084670108
—	INVESCO EXCH TRD SLF IDX FD	18,705	$382K	0.4%	$21.95	—	BULSHS 2025 CB	46138J825
IJR	ISHARES TR	3,871	$357K	0.4%	$94.07	—	CORE S&P SCP ETF	464287804
BSCQ	INVESCO EXCH TRD SLF IDX FD	17,143	$330K	0.3%	$21.25	—	BULSHS 2026 CB	46138J791
AMZN	AMAZON COM INC	2,911	$309K	0.3%	$127.02	-1.5%	COM	023135106
EDV	VANGUARD WORLD FD	3,077	$308K	0.3%	$147.47	—	EXTENDED DUR	921910709
GOOG	ALPHABET INC	135	$295K	0.3%	$83.74	+40.1%	CAP STK CL C	02079K107
JNJ	JOHNSON & JOHNSON	1,616	$287K	0.3%	$128.85	+24.1%	COM	478160104
—	INVESCO EXCH TRD SLF IDX FD	13,662	$286K	0.3%	$21.89	—	BULSHS 2023 CB	46138J866
—	LAKELAND BANCORP INC	19,040	$278K	0.3%	$16.70	—	COM	511637100
SPIB	SPDR SER TR	8,151	$266K	0.3%	$37.17	—	PORTFOLIO INTRMD	78464A375
VCIT	VANGUARD SCOTTSDALE FDS	2,978	$239K	0.2%	$96.87	—	INT-TERM CORP	92206C870
BSCS	INVESCO EXCH TRD SLF IDX FD	10,654	$213K	0.2%	$23.65	—	INVSCO BLSH 28	46138J643
—	ATHERSYS INC NEW	100,246	$26,000	0.0%	$0.90	—	COM	04744L106