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
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 423 2,381 SH   SOLE   2,381 0 0
ABBOTT LABS COM 002824100 352 2,501 SH   SOLE   2,501 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 228 402 SH   SOLE   402 0 0
ADVANCED MICRO DEVICES INC COM 007903107 437 3,040 SH   SOLE   3,040 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 218 1,363 SH   SOLE   1,363 0 0
AKAMAI TECHNOLOGIES INC COM 00971T101 508 4,343 SH   SOLE   4,343 0 0
ALBEMARLE CORP COM 012653101 1,210 5,175 SH   SOLE   5,175 0 0
ALPHABET INC CAP STK CL A 02079K305 1,214 419 SH   SOLE   419 0 0
ALPHABET INC CAP STK CL C 02079K107 417 144 SH   SOLE   144 0 0
AMAZON COM INC COM 023135106 917 275 SH   SOLE   275 0 0
APPLE INC COM 037833100 60,178 338,896 SH   SOLE   338,896 0 0
ATLASSIAN CORP PLC CL A G06242104 911 2,390 SH   SOLE   2,390 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 238 3,814 SH   SOLE   3,814 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 210 1,950 SH   SOLE   1,950 0 0
CATERPILLAR INC COM 149123101 551 2,666 SH   SOLE   2,666 0 0
CISCO SYS INC COM 17275R102 479 7,553 SH   SOLE   7,553 0 0
COSTCO WHSL CORP NEW COM 22160K105 502 884 SH   SOLE   884 0 0
DANA INC COM 235825205 457 20,032 SH   SOLE   20,032 0 0
DANAHER CORPORATION COM 235851102 214 650 SH   SOLE   650 0 0
DISNEY WALT CO COM 254687106 270 1,742 SH   SOLE   1,742 0 0
EBAY INC. COM 278642103 831 12,492 SH   SOLE   12,492 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 1,935 55,723 SH   SOLE   55,723 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 5,317 100,291 SH   SOLE   100,291 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 5,311 99,811 SH   SOLE   99,811 0 0
GILEAD SCIENCES INC COM 375558103 10,370 142,819 SH   SOLE   142,819 0 0
INTEL CORP COM 458140100 439 8,531 SH   SOLE   8,531 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 276 2,068 SH   SOLE   2,068 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 9,320 253,340 SH   SOLE   253,340 0 0
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214 3,754 117,087 SH   SOLE   117,087 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 5,209 75,896 SH   SOLE   75,896 0 0
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 6,982 131,212 SH   SOLE   131,212 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 674 16,945 SH   SOLE   16,945 0 0
ISHARES TR CALIF MUN BD ETF 464288356 7,349 117,909 SH   SOLE   117,909 0 0
ISHARES TR CORE MSCI INTL 46435G326 524 7,753 SH   SOLE   7,753 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,298 11,652 SH   SOLE   11,652 0 0
ISHARES TR CORE S&P TTL STK 464287150 220 2,056 SH   SOLE   2,056 0 0
ISHARES TR CORE TOTAL USD 46434V613 9,978 188,521 SH   SOLE   188,521 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 314 2,910 SH   SOLE   2,910 0 0
ISHARES TR ESG EAFE ETF 46436E759 706 10,265 SH   SOLE   10,265 0 0
ISHARES TR ESG MSCI USA ETF 46436E767 1,016 25,765 SH   SOLE   25,765 0 0
ISHARES TR GENOMICS IMMUN 46435U192 237 5,420 SH   SOLE   5,420 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 230 10,852 SH   SOLE   10,852 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 2,770 72,844 SH   SOLE   72,844 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,393 35,384 SH   SOLE   35,384 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 212 2,623 SH   SOLE   2,623 0 0
ISHARES TR MSCI USA MMENTM 46432F396 6,965 38,306 SH   SOLE   38,306 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 6,498 21,265 SH   SOLE   21,265 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 3,563 21,219 SH   SOLE   21,219 0 0
ISHARES TR S&P MC 400VL ETF 464287705 2,091 18,895 SH   SOLE   18,895 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 2,378 46,575 SH   SOLE   46,575 0 0
JOHNSON & JOHNSON COM 478160104 941 5,502 SH   SOLE   5,502 0 0
KRANESHARES TR QUADRTC INT RT 500767736 1,764 65,684 SH   SOLE   65,684 0 0
MCKESSON CORP COM 58155Q103 431 2,254 SH   SOLE   2,254 0 0
META PLATFORMS INC CL A 30303M102 323 961 SH   SOLE   961 0 0
MICROSOFT CORP COM 594918104 3,188 9,479 SH   SOLE   9,479 0 0
NBT BANCORP INC COM 628778102 330 8,559 SH   SOLE   8,559 0 0
NETFLIX INC COM 64110L106 12,601 20,917 SH   SOLE   20,917 0 0
NEW JERSEY RES CORP COM 646025106 240 5,834 SH   SOLE   5,834 0 0
NIKE INC CL B 654106103 583 3,500 SH   SOLE   3,500 0 0
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 731 18,800 SH   SOLE   18,800 0 0
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 374 10,130 SH   SOLE   10,130 0 0
NVIDIA CORPORATION COM 67066G104 835 2,839 SH   SOLE   2,839 0 0
NXP SEMICONDUCTORS N V COM N6596X109 456 2,000 SH   SOLE   2,000 0 0
OKTA INC CL A 679295105 460 2,050 SH   SOLE   2,050 0 0
ON24 INC COM 68339B104 1,735 100,000 SH   SOLE   100,000 0 0
ONESPAN INC COM 68287N100 525 31,000 SH   SOLE   31,000 0 0
ORACLE CORP COM 68389X105 246 2,818 SH   SOLE   2,818 0 0
PAYPAL HLDGS INC COM 70450Y103 2,322 12,315 SH   SOLE   12,315 0 0
PEPSICO INC COM 713448108 527 3,031 SH   SOLE   3,031 0 0
PHILIP MORRIS INTL INC COM 718172109 231 2,434 SH   SOLE   2,434 0 0
PROCTER AND GAMBLE CO COM 742718109 416 2,542 SH   SOLE   2,542 0 0
QUALCOMM INC COM 747525103 366 2,000 SH   SOLE   2,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 239 2,773 SH   SOLE   2,773 0 0
ROKU INC COM CL A 77543R102 1,255 5,500 SH   SOLE   5,500 0 0
SALESFORCE COM INC COM 79466L302 280 1,101 SH   SOLE   1,101 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 7,655 131,899 SH   SOLE   131,899 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,748 200,443 SH   SOLE   200,443 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 6,067 109,105 SH   SOLE   109,105 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 4,490 144,887 SH   SOLE   144,887 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 22,296 685,816 SH   SOLE   685,816 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,608 69,763 SH   SOLE   69,763 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,612 29,902 SH   SOLE   29,902 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 8,377 74,126 SH   SOLE   74,126 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,730 21,399 SH   SOLE   21,399 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 6,927 42,303 SH   SOLE   42,303 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,527 102,803 SH   SOLE   102,803 0 0
SERVICENOW INC COM 81762P102 310 478 SH   SOLE   478 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 633 5,010 SH   SOLE   5,010 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,358 146,868 SH   SOLE   146,868 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,506 205,002 SH   SOLE   205,002 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 532 1,120 SH   SOLE   1,120 0 0
SPDR SER TR BLOOMBERG INTL 78464A151 465 13,455 SH   SOLE   13,455 0 0
SPDR SER TR BLOOMBERG INTL T 78464A516 1,860 65,779 SH   SOLE   65,779 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 218 3,727 SH   SOLE   3,727 0 0
STARBUCKS CORP COM 855244109 293 2,508 SH   SOLE   2,508 0 0
TESLA INC COM 88160R101 659 624 SH   SOLE   624 0 0
TRIMBLE INC COM 896239100 723 18,850 SH   SOLE   18,850 0 0
UNILEVER PLC SPON ADR NEW 904767704 203 3,767 SH   SOLE   3,767 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,212 14,300 SH   SOLE   14,300 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 249 777 SH   SOLE   777 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 6,293 41,864 SH   SOLE   41,864 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,854 98,138 SH   SOLE   98,138 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 315 5,745 SH   SOLE   5,745 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,025 18,059 SH   SOLE   18,059 0 0
WISDOMTREE TR CBOE S&P 500 97717X560 1,821 52,755 SH   SOLE   52,755 0 0
WISDOMTREE TR EMERG MKTS ESG 97717X214 268 7,600 SH   SOLE   7,600 0 0
WISDOMTREE TR US ESG FUND 97717W596 437 8,525 SH   SOLE   8,525 0 0
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,252 28,221 SH   SOLE   28,221 0 0
WORKDAY INC CL A 98138H101 833 3,048 SH   SOLE   3,048 0 0