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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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
ALPHABET INC CAP STK CL A 02079K305 854 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL C 02079K107 279 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 461 149 SH   SOLE   0 0 149
APPLE INC COM 037833100 624 5,109 SH   SOLE   0 0 5,109
BERKSHIRE HATHAWAY INC DEL CL A 084670108 386 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 607 805 SH   SOLE   0 0 805
GALLAGHER ARTHUR J & CO COM 363576109 8,246 66,086 SH   SOLE   0 0 66,086
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 487 29,322 SH   SOLE   0 0 29,322
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 967 36,120 SH   SOLE   0 0 36,120
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,843 20,088 SH   SOLE   0 0 20,088
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 184 2,006 SH   OTR   0 0 2,006
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 296 14,029 SH   SOLE   0 0 14,029
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 256 11,847 SH   SOLE   0 0 11,847
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 297 13,662 SH   SOLE   0 0 13,662
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 288 13,001 SH   SOLE   0 0 13,001
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 271 12,713 SH   SOLE   0 0 12,713
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 240 10,654 SH   SOLE   0 0 10,654
ISHARES GOLD TR ISHARES 464285105 77 4,720 SH   OTR   0 0 4,720
ISHARES GOLD TR ISHARES 464285105 107 6,598 SH   SOLE   0 0 6,598
ISHARES TR CORE S&P MCP ETF 464287507 1,912 7,345 SH   SOLE   0 0 7,345
ISHARES TR CORE S&P SCP ETF 464287804 386 3,555 SH   SOLE   0 0 3,555
ISHARES TR CORE S&P500 ETF 464287200 5,808 14,600 SH   SOLE   0 0 14,600
ISHARES TR CORE US AGGBD ET 464287226 3,997 35,112 SH   SOLE   0 0 35,112
ISHARES TR GLB CNS DISC ETF 464288745 245 1,500 SH   SOLE   0 0 1,500
ISHARES TR IBOXX HI YD ETF 464288513 1,258 14,430 SH   SOLE   0 0 14,430
ISHARES TR MSCI EAFE ETF 464287465 2,037 26,855 SH   SOLE   0 0 26,855
ISHARES TR MSCI EAFE ETF 464287465 44 586 SH   OTR   0 0 586
ISHARES TR MSCI EMG MKT ETF 464287234 65 1,227 SH   OTR   0 0 1,227
ISHARES TR MSCI EMG MKT ETF 464287234 873 16,366 SH   SOLE   0 0 16,366
ISHARES TR NATIONAL MUN ETF 464288414 4,941 42,579 SH   SOLE   0 0 42,579
ISHARES TR PFD AND INCM SEC 464288687 1,423 37,063 SH   SOLE   0 0 37,063
ISHARES TR RUS 1000 GRW ETF 464287614 5,149 21,187 SH   SOLE   0 0 21,187
ISHARES TR RUS 1000 VAL ETF 464287598 4,517 29,807 SH   SOLE   0 0 29,807
ISHARES TR RUS MID CAP ETF 464287499 1,625 21,981 SH   SOLE   0 0 21,981
ISHARES TR RUSSELL 2000 ETF 464287655 5,219 23,624 SH   SOLE   0 0 23,624
ISHARES TR RUSSELL 2000 ETF 464287655 332 1,502 SH   OTR   0 0 1,502
ISHARES TR S&P 500 VAL ETF 464287408 893 6,320 SH   SOLE   0 0 6,320
ISHARES TR TIPS BD ETF 464287176 10,666 84,992 SH   SOLE   0 0 84,992
ISHARES TR USD INV GRDE ETF 464288620 222 3,756 SH   SOLE   0 0 3,756
JOHNSON & JOHNSON COM 478160104 314 1,910 SH   SOLE   0 0 1,910
MASTERCARD INCORPORATED CL A 57636Q104 676 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 920 3,902 SH   SOLE   0 0 3,902
NEW JERSEY RES CORP COM 646025106 780 19,563 SH   SOLE   0 0 19,563
SPDR GOLD TR GOLD SHS 78463V107 121 754 SH   OTR   0 0 754
SPDR GOLD TR GOLD SHS 78463V107 760 4,753 SH   SOLE   0 0 4,753
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 119 3,372 SH   OTR   0 0 3,372
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 115 3,254 SH   SOLE   0 0 3,254
SPDR S&P 500 ETF TR TR UNIT 78462F103 397 1,002 SH   SOLE   0 0 1,002
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,118 6,550 SH   SOLE   0 0 6,550
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 255 535 SH   OTR   0 0 535
SPDR SER TR BLOOMBERG BRCLYS 78468R622 3,281 30,157 SH   SOLE   0 0 30,157
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,782 96,493 SH   SOLE   0 0 96,493
SPDR SER TR NUVEEN BRC MUNIC 78468R721 4,473 86,590 SH   SOLE   0 0 86,590
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,539 50,371 SH   SOLE   0 0 50,371
SPDR SER TR PORTFOLIO INTRMD 78464A375 295 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,805 68,525 SH   SOLE   0 0 68,525
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 355 3,864 SH   SOLE   0 0 3,864
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 82 898 SH   OTR   0 0 898
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,511 4,148 SH   OTR   0 0 4,148
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,680 32,061 SH   SOLE   0 0 32,061
VANGUARD INDEX FDS SMALL CP ETF 922908751 34 160 SH   OTR   0 0 160
VANGUARD INDEX FDS SMALL CP ETF 922908751 240 1,120 SH   SOLE   0 0 1,120
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 131 2,516 SH   OTR   0 0 2,516
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,916 36,806 SH   SOLE   0 0 36,806
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 244 1,900 SH   OTR   0 0 1,900
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 255 2,746 SH   SOLE   0 0 2,746
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,273 12,577 SH   SOLE   0 0 12,577
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,852 98,793 SH   SOLE   0 0 98,793
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 226 4,594 SH   OTR   0 0 4,594
VANGUARD WORLD FD EXTENDED DUR 921910709 386 3,077 SH   SOLE   0 0 3,077
VISA INC COM CL A 92826C839 478 2,258 SH   SOLE   0 0 2,258
WISDOMTREE TR GLB EX US RL EST 97717W331 239 9,011 SH   SOLE   0 0 9,011