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
ALPHABET INC CAP STK CL A 02079K305 1,011 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL C 02079K107 338 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 513 149 SH   SOLE   0 0 149
APPLE INC COM 037833100 700 5,109 SH   SOLE   0 0 5,109
BERKSHIRE HATHAWAY INC DEL CL A 084670108 419 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 704 805 SH   SOLE   0 0 805
GALLAGHER ARTHUR J & CO COM 363576109 9,233 65,911 SH   SOLE   0 0 65,911
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 657 34,131 SH   SOLE   0 0 34,131
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 738 27,062 SH   SOLE   0 0 27,062
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 2,034 22,774 SH   SOLE   0 0 22,774
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 453 20,967 SH   SOLE   0 0 20,967
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 290 13,001 SH   SOLE   0 0 13,001
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 274 12,713 SH   SOLE   0 0 12,713
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 246 10,654 SH   SOLE   0 0 10,654
ISHARES TR CORE S&P MCP ETF 464287507 1,974 7,345 SH   SOLE   0 0 7,345
ISHARES TR CORE S&P SCP ETF 464287804 397 3,511 SH   SOLE   0 0 3,511
ISHARES TR CORE S&P500 ETF 464287200 6,277 14,600 SH   SOLE   0 0 14,600
ISHARES TR CORE US AGGBD ET 464287226 3,888 33,708 SH   SOLE   0 0 33,708
ISHARES TR GLB CNS DISC ETF 464288745 257 1,500 SH   SOLE   0 0 1,500
ISHARES TR IBOXX HI YD ETF 464288513 1,241 14,095 SH   SOLE   0 0 14,095
ISHARES TR MSCI EAFE ETF 464287465 2,137 27,097 SH   SOLE   0 0 27,097
ISHARES TR MSCI EMG MKT ETF 464287234 952 17,258 SH   SOLE   0 0 17,258
ISHARES TR NATIONAL MUN ETF 464288414 5,292 45,154 SH   SOLE   0 0 45,154
ISHARES TR PFD AND INCM SEC 464288687 1,458 37,063 SH   SOLE   0 0 37,063
ISHARES TR RUS 1000 GRW ETF 464287614 8,147 30,009 SH   SOLE   0 0 30,009
ISHARES TR RUS 1000 VAL ETF 464287598 8,197 51,676 SH   SOLE   0 0 51,676
ISHARES TR RUS MID CAP ETF 464287499 1,715 21,641 SH   SOLE   0 0 21,641
ISHARES TR RUSSELL 2000 ETF 464287655 5,863 25,562 SH   SOLE   0 0 25,562
ISHARES TR S&P 500 VAL ETF 464287408 933 6,320 SH   SOLE   0 0 6,320
ISHARES TR TIPS BD ETF 464287176 12,990 101,477 SH   SOLE   0 0 101,477
ISHARES TR USD INV GRDE ETF 464288620 228 3,756 SH   SOLE   0 0 3,756
JOHNSON & JOHNSON COM 478160104 266 1,616 SH   SOLE   0 0 1,616
MASTERCARD INCORPORATED CL A 57636Q104 694 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 1,057 3,902 SH   SOLE   0 0 3,902
NEW JERSEY RES CORP COM 646025106 774 19,563 SH   SOLE   0 0 19,563
SPDR GOLD TR GOLD SHS 78463V107 1,021 6,166 SH   SOLE   0 0 6,166
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 244 6,626 SH   SOLE   0 0 6,626
SPDR S&P 500 ETF TR TR UNIT 78462F103 335 783 SH   SOLE   0 0 783
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,597 7,325 SH   SOLE   0 0 7,325
SPDR SER TR BLOOMBERG BRCLYS 78468R622 3,790 34,464 SH   SOLE   0 0 34,464
SPDR SER TR NUVEEN BLMBRG SR 78468R739 5,178 104,475 SH   SOLE   0 0 104,475
SPDR SER TR NUVEEN BRC MUNIC 78468R721 4,846 92,994 SH   SOLE   0 0 92,994
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,569 50,371 SH   SOLE   0 0 50,371
SPDR SER TR PORTFOLIO INTRMD 78464A375 299 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,636 77,257 SH   SOLE   0 0 77,257
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 521 5,121 SH   SOLE   0 0 5,121
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,377 11,122 SH   SOLE   0 0 11,122
VANGUARD INDEX FDS SMALL CP ETF 922908751 288 1,280 SH   SOLE   0 0 1,280
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,267 41,741 SH   SOLE   0 0 41,741
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 259 1,900 SH   SOLE   0 0 1,900
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 261 2,746 SH   SOLE   0 0 2,746
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,345 12,577 SH   SOLE   0 0 12,577
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,625 109,181 SH   SOLE   0 0 109,181
VANGUARD WORLD FD EXTENDED DUR 921910709 416 3,077 SH   SOLE   0 0 3,077
VISA INC COM CL A 92826C839 528 2,258 SH   SOLE   0 0 2,258
WISDOMTREE TR GLB EX US RL EST 97717W331 281 10,601 SH   SOLE   0 0 10,601