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
AMAZON COM INC COM 023135106 429 4,040 SH   SOLE   0 0 4,040
BLACKROCK MUNIHLDGS NJ QLTY COM 09254X101 159 12,090 SH   SOLE   0 0 12,090
ISHARES GOLD TR ISHARES NEW 464285204 3,995 116,442 SH   SOLE   0 0 116,442
JOHNSON & JOHNSON COM 478160104 825 4,649 SH   SOLE   0 0 4,649
INVESCO EXCH TRADED FD TR II FNDMNTL HY CRP 46138E719 200 11,869 SH   SOLE   0 0 11,869
SPDR SER TR NUVEEN BLMBRG SH 78468R739 3,142 66,482 SH   SOLE   0 0 66,482
LAKELAND BANCORP INC COM 511637100 1,227 83,945 SH   SOLE   0 0 83,945
PROCTER AND GAMBLE CO COM 742718109 539 3,746 SH   SOLE   0 0 3,746
ARBOR REALTY TRUST INC COM 038923108 209 15,965 SH   SOLE   0 0 15,965
MERCK & CO INC COM 58933Y105 242 2,650 SH   SOLE   0 0 2,650
FIRST TR EXCHANGE-TRADED FD NASDQ OIL GAS 33738R845 2,138 91,301 SH   SOLE   0 0 91,301
ISHARES TR FALN ANGLS USD 46435G474 219 8,900 SH   SOLE   0 0 8,900
VERIZON COMMUNICATIONS INC COM 92343V104 333 6,566 SH   SOLE   0 0 6,566
ISHARES TR IBONDS DEC2023 46435G318 7,897 309,702 SH   SOLE   0 0 309,702
FIRST TR EXCHANGE TRADED FD ENERGY ALPHADX 33734X127 2,292 155,317 SH   SOLE   0 0 155,317
HOME DEPOT INC COM 437076102 4,588 16,728 SH   SOLE   0 0 16,728
AUTOMATIC DATA PROCESSING IN COM 053015103 1,642 7,819 SH   SOLE   0 0 7,819
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 459 3,223 SH   SOLE   0 0 3,223
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,006 22,769 SH   SOLE   0 0 22,769
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 242 5,423 SH   SOLE   0 0 5,423
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 243 889 SH   SOLE   0 0 889
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 325 12,804 SH   SOLE   0 0 12,804
ALPHABET INC CAP STK CL A 02079K305 264 121 SH   SOLE   0 0 121
GLOBAL X FDS US PFD ETF 37954Y657 302 14,250 SH   SOLE   0 0 14,250
ISHARES TR IBONDS DEC 46435U697 4,650 178,852 SH   SOLE   0 0 178,852
MICROSOFT CORP COM 594918104 5,937 23,115 SH   SOLE   0 0 23,115
ISHARES TR IBONDS DEC 25 46435U432 4,593 172,493 SH   SOLE   0 0 172,493
VANGUARD WORLD FDS INF TECH ETF 92204A702 796 2,438 SH   SOLE   0 0 2,438
DOW INC COM 260557103 3,506 67,927 SH   SOLE   0 0 67,927
KKR & CO INC COM 48251W104 297 6,425 SH   SOLE   0 0 6,425
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,705 4,916 SH   SOLE   0 0 4,916
INDEXIQ ETF TR IQ REAL RTN ETF 45409B602 208 8,128 SH   SOLE   0 0 8,128
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 360 2,683 SH   SOLE   0 0 2,683
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 1,577 11,869 SH   SOLE   0 0 11,869
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,028 16,583 SH   SOLE   0 0 16,583
9 METERS BIOPHARMA INC COM 654405109 3 10,000 SH   SOLE   0 0 10,000
ISHARES TR MSCI USA MIN VOL 46429B697 1,009 14,366 SH   SOLE   0 0 14,366
ISHARES INC JP MRGN EM HI BD 464286285 392 11,374 SH   SOLE   0 0 11,374
PIMCO DYNAMIC INCOME FD SHS 72201Y101 702 33,619 SH   SOLE   0 0 33,619
ALPS ETF TR SECTR DIV DOGS 00162Q858 1,115 22,259 SH   SOLE   0 0 22,259
CHURCH & DWIGHT CO INC COM 171340102 253 2,735 SH   SOLE   0 0 2,735
GENERAL DYNAMICS CORP COM 369550108 221 999 SH   SOLE   0 0 999
GENERAL ELECTRIC CO COM NEW 369604301 391 6,144 SH   SOLE   0 0 6,144
NOKIA CORP SPONSORED ADR 654902204 46 10,010 SH   SOLE   0 0 10,010
ISHARES TR IBONDS DEC2026 46435GAA0 7,247 304,608 SH   SOLE   0 0 304,608
UNION PAC CORP COM 907818108 1,112 5,214 SH   SOLE   0 0 5,214
INVESCO EXCHANGE TRADED FD T DWA MOMENTUM 46137V837 643 9,443 SH   SOLE   0 0 9,443
JPMORGAN CHASE & CO COM 46625H100 824 7,322 SH   SOLE   0 0 7,322
CHEVRON CORP NEW COM 166764100 533 3,682 SH   SOLE   0 0 3,682
ACACIA RESH CORP ACACIA TCH COM 003881307 60 12,000 SH   SOLE   0 0 12,000
PFIZER INC COM 717081103 384 7,316 SH   SOLE   0 0 7,316
CATERPILLAR INC COM 149123101 3,422 19,141 SH   SOLE   0 0 19,141
ISHARES TR CORE US AGGBD ET 464287226 217 2,130 SH   SOLE   0 0 2,130
ISHARES TR BLACKROCK ULTRA 46434V878 72,045 1,439,754 SH   SOLE   0 0 1,439,754
EXXON MOBIL CORP COM 30231G102 2,708 31,620 SH   SOLE   0 0 31,620
UNITEDHEALTH GROUP INC COM 91324P102 4,385 8,537 SH   SOLE   0 0 8,537
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 24 12,000 SH   SOLE   0 0 12,000
ISHARES TR IBONDS DEC22 ETF 46434VBA7 7,965 318,461 SH   SOLE   0 0 318,461
ISHARES TR GL CLEAN ENE ETF 464288224 243 12,773 SH   SOLE   0 0 12,773
APPLE INC COM 037833100 3,563 26,058 SH   SOLE   0 0 26,058
ISHARES TR IBONDS DEC2022 46435G755 8,217 317,137 SH   SOLE   0 0 317,137
ISHARES TR IBONDS DEC23 ETF 46434VAX8 26,317 1,048,914 SH   SOLE   0 0 1,048,914
ISHARES TR IBONDS DEC25 ETF 46434VBD1 7,683 311,056 SH   SOLE   0 0 311,056
ISHARES TR IBONDS DEC24 ETF 46434VBG4 25,529 1,031,487 SH   SOLE   0 0 1,031,487