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
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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
ISHARES TR MSCI LW CRB TG 46434V464 21,924 169,415 SH   SOLE   169,415 0 0
ISHARES TR GNMA BOND ETF 46429B333 12,636 251,666 SH   SOLE   251,666 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,187 68,372 SH   SOLE   68,372 0 0
ISHARES TR CORE MSCI INTL 46435G326 10,994 188,997 SH   SOLE   188,997 0 0
INVESCO EXCHANGE-TRADED FD T TAXABLE MUN BD 46138G805 8,420 265,879 SH   SOLE   265,879 0 0
SPDR SER TR SPDR BLOOMBERG 78468R663 7,001 76,568 SH   SOLE   76,568 0 0
ISHARES INC MIN VOL GBL ETF 464286525 6,719 70,112 SH   SOLE   70,112 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 6,613 112,737 SH   SOLE   112,737 0 0
PIMCO ETF TR 15+ YR US TIPS 72201R304 6,009 83,427 SH   SOLE   83,427 0 0
SPDR SER TR PORTFOLIO LN TSR 78464A664 5,956 153,227 SH   SOLE   153,227 0 0
SPDR SER TR SSGA GNDER ETF 78468R747 5,842 75,631 SH   SOLE   75,631 0 0
ISHARES TR MSCI KLD400 SOC 464288570 5,430 45,202 SH   SOLE   45,202 0 0
INVESCO EXCHANGE TRADED FD T CLEANTECH ETF 46137V407 4,979 99,705 SH   SOLE   99,705 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,464 30,413 SH   SOLE   30,413 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,456 29,281 SH   SOLE   29,281 0 0
ISHARES TR CORE S&P TTL STK 464287150 960 13,209 SH   SOLE   13,209 0 0
ISHARES TR CORE US AGGBD ET 464287226 630 5,605 SH   SOLE   5,605 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 620 1,927 SH   SOLE   1,927 0 0
ISHARES TR CORE INTL AGGR 46435G672 412 7,522 SH   SOLE   7,522 0 0
ISHARES TR CORE MSCI EAFE 46432F842 400 6,128 SH   SOLE   6,128 0 0
SQUARE INC CL A 852234103 362 5,780 SH   SOLE   5,780 0 0
AMAZON COM INC COM 023135106 336 182 SH   SOLE   182 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 329 2,845 SH   SOLE   2,845 0 0
JOHNSON & JOHNSON COM 478160104 327 2,241 SH   SOLE   2,241 0 0
PROCTER & GAMBLE CO COM 742718109 291 2,328 SH   SOLE   2,328 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 285 1,000 SH   SOLE   1,000 0 0
APPLE INC COM 037833100 269 918 SH   SOLE   918 0 0
ISHARES INC CORE MSCI EMKT 46434G103 265 4,925 SH   SOLE   4,925 0 0
ISHARES TR MSCI USA ESG SLC 464288802 253 1,888 SH   SOLE   1,888 0 0
NEW JERSEY RES COM 646025106 246 5,528 SH   SOLE   5,528 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 222 3,791 SH   SOLE   3,791 0 0