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 1,107 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL C 02079K107 360 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 604 184 SH   SOLE   0 0 184
APPLE INC COM 037833100 794 5,609 SH   SOLE   0 0 5,609
BERKSHIRE HATHAWAY INC DEL CL A 084670108 411 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 218 800 SH   SOLE   0 0 800
BLACKROCK INC COM 09247X101 675 805 SH   SOLE   0 0 805
CAPITAL ONE FINL CORP COM 14040H105 207 1,280 SH   SOLE   0 0 1,280
GALLAGHER ARTHUR J & CO COM 363576109 8,831 59,411 SH   SOLE   0 0 59,411
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 869 43,075 SH   SOLE   0 0 43,075
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 727 27,062 SH   SOLE   0 0 27,062
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,773 22,174 SH   SOLE   0 0 22,174
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 372 17,299 SH   SOLE   0 0 17,299
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 296 13,662 SH   SOLE   0 0 13,662
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 289 13,001 SH   SOLE   0 0 13,001
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 272 12,713 SH   SOLE   0 0 12,713
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 244 10,654 SH   SOLE   0 0 10,654
ISHARES TR CORE S&P MCP ETF 464287507 1,932 7,345 SH   SOLE   0 0 7,345
ISHARES TR CORE S&P SCP ETF 464287804 383 3,511 SH   SOLE   0 0 3,511
ISHARES TR CORE S&P500 ETF 464287200 6,290 14,600 SH   SOLE   0 0 14,600
ISHARES TR CORE US AGGBD ET 464287226 3,862 33,635 SH   SOLE   0 0 33,635
ISHARES TR GLB CNS DISC ETF 464288745 247 1,500 SH   SOLE   0 0 1,500
ISHARES TR IBOXX HI YD ETF 464288513 1,405 16,063 SH   SOLE   0 0 16,063
ISHARES TR MSCI EAFE ETF 464287465 2,114 27,093 SH   SOLE   0 0 27,093
ISHARES TR MSCI EMG MKT ETF 464287234 866 17,183 SH   SOLE   0 0 17,183
ISHARES TR NATIONAL MUN ETF 464288414 5,342 45,982 SH   SOLE   0 0 45,982
ISHARES TR PFD AND INCM SEC 464288687 1,438 37,063 SH   SOLE   0 0 37,063
ISHARES TR RUS 1000 GRW ETF 464287614 8,334 30,411 SH   SOLE   0 0 30,411
ISHARES TR RUS 1000 VAL ETF 464287598 8,520 54,435 SH   SOLE   0 0 54,435
ISHARES TR RUS MID CAP ETF 464287499 1,688 21,583 SH   SOLE   0 0 21,583
ISHARES TR RUSSELL 2000 ETF 464287655 5,677 25,953 SH   SOLE   0 0 25,953
ISHARES TR S&P 500 VAL ETF 464287408 919 6,320 SH   SOLE   0 0 6,320
ISHARES TR TIPS BD ETF 464287176 13,590 106,432 SH   SOLE   0 0 106,432
ISHARES TR USD INV GRDE ETF 464288620 226 3,756 SH   SOLE   0 0 3,756
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,788 30,000 SH   SOLE   0 0 30,000
JOHNSON & JOHNSON COM 478160104 277 1,716 SH   SOLE   0 0 1,716
MASTERCARD INCORPORATED CL A 57636Q104 661 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 1,100 3,902 SH   SOLE   0 0 3,902
NEW JERSEY RES CORP COM 646025106 681 19,563 SH   SOLE   0 0 19,563
REAVES UTIL INCOME FD COM SH BEN INT 756158101 239 7,304 SH   SOLE   0 0 7,304
SPDR GOLD TR GOLD SHS 78463V107 1,058 6,442 SH   SOLE   0 0 6,442
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 240 6,626 SH   SOLE   0 0 6,626
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,563 7,410 SH   SOLE   0 0 7,410
SPDR SER TR BLOOMBERG BRCLYS 78468R622 3,775 34,515 SH   SOLE   0 0 34,515
SPDR SER TR NUVEEN BLMBRG SR 78468R739 5,308 107,446 SH   SOLE   0 0 107,446
SPDR SER TR NUVEEN BRC MUNIC 78468R721 4,874 94,507 SH   SOLE   0 0 94,507
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,567 50,371 SH   SOLE   0 0 50,371
SPDR SER TR PORTFOLIO INTRMD 78464A375 298 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,851 80,173 SH   SOLE   0 0 80,173
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 559 5,496 SH   SOLE   0 0 5,496
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 4,371 11,082 SH   SOLE   0 0 11,082
VANGUARD INDEX FDS SMALL CP ETF 922908751 251 1,150 SH   SOLE   0 0 1,150
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,218 44,351 SH   SOLE   0 0 44,351
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 254 1,900 SH   SOLE   0 0 1,900
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 259 2,746 SH   SOLE   0 0 2,746
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,335 12,642 SH   SOLE   0 0 12,642
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,795 114,770 SH   SOLE   0 0 114,770
VANGUARD WORLD FD EXTENDED DUR 921910709 587 4,331 SH   SOLE   0 0 4,331
VISA INC COM CL A 92826C839 503 2,258 SH   SOLE   0 0 2,258
WISDOMTREE TR GLB EX US RL EST 97717W331 256 10,266 SH   SOLE   0 0 10,266