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
1ST CONSTITUTION BANCORP COM 31986N102 202 7,892 SH   SOLE   0 0 7,892
ALPHABET INC CAP STK CL A 02079K305 1,200 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL C 02079K107 391 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 496 149 SH   SOLE   0 0 149
APPLE INC COM 037833100 907 5,109 SH   SOLE   0 0 5,109
ATHERSYS INC NEW COM 04744L106 90 100,246 SH   SOLE   0 0 100,246
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 737 805 SH   SOLE   0 0 805
GALLAGHER ARTHUR J & CO COM 363576109 10,080 59,411 SH   SOLE   0 0 59,411
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 1,008 37,219 SH   SOLE   0 0 37,219
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,724 22,461 SH   SOLE   0 0 22,461
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 330 15,432 SH   SOLE   0 0 15,432
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 293 13,662 SH   SOLE   0 0 13,662
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 285 13,001 SH   SOLE   0 0 13,001
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 269 12,713 SH   SOLE   0 0 12,713
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 242 10,654 SH   SOLE   0 0 10,654
ISHARES TR CORE S&P MCP ETF 464287507 2,121 7,495 SH   SOLE   0 0 7,495
ISHARES TR CORE S&P SCP ETF 464287804 443 3,871 SH   SOLE   0 0 3,871
ISHARES TR CORE S&P500 ETF 464287200 5,194 10,890 SH   SOLE   0 0 10,890
ISHARES TR CORE US AGGBD ET 464287226 3,698 32,457 SH   SOLE   0 0 32,457
ISHARES TR GLB CNS DISC ETF 464288745 269 1,500 SH   SOLE   0 0 1,500
ISHARES TR IBOXX HI YD ETF 464288513 1,406 16,144 SH   SOLE   0 0 16,144
ISHARES TR MSCI EAFE ETF 464287465 2,112 26,835 SH   SOLE   0 0 26,835
ISHARES TR MSCI EMG MKT ETF 464287234 897 18,396 SH   SOLE   0 0 18,396
ISHARES TR NATIONAL MUN ETF 464288414 5,196 44,682 SH   SOLE   0 0 44,682
ISHARES TR PFD AND INCM SEC 464288687 1,461 37,063 SH   SOLE   0 0 37,063
ISHARES TR RUS 1000 GRW ETF 464287614 9,796 32,055 SH   SOLE   0 0 32,055
ISHARES TR RUS 1000 VAL ETF 464287598 10,242 60,958 SH   SOLE   0 0 60,958
ISHARES TR RUS MID CAP ETF 464287499 1,770 21,332 SH   SOLE   0 0 21,332
ISHARES TR RUSSELL 2000 ETF 464287655 5,859 26,358 SH   SOLE   0 0 26,358
ISHARES TR S&P 500 VAL ETF 464287408 989 6,320 SH   SOLE   0 0 6,320
ISHARES TR TIPS BD ETF 464287176 14,182 109,766 SH   SOLE   0 0 109,766
ISHARES TR USD INV GRDE ETF 464288620 224 3,756 SH   SOLE   0 0 3,756
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,896 30,000 SH   SOLE   0 0 30,000
JOHNSON & JOHNSON COM 478160104 276 1,616 SH   SOLE   0 0 1,616
MASTERCARD INCORPORATED CL A 57636Q104 683 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 1,312 3,902 SH   SOLE   0 0 3,902
NEW JERSEY RES CORP COM 646025106 803 19,563 SH   SOLE   0 0 19,563
SPDR GOLD TR GOLD SHS 78463V107 1,189 6,957 SH   SOLE   0 0 6,957
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,090 7,891 SH   SOLE   0 0 7,891
SPDR SER TR BLOOMBERG HIGH Y 78468R622 3,877 35,749 SH   SOLE   0 0 35,749
SPDR SER TR NUVEEN BLMBRG MU 78468R721 4,740 91,574 SH   SOLE   0 0 91,574
SPDR SER TR NUVEEN BLMBRG SH 78468R739 5,481 111,402 SH   SOLE   0 0 111,402
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,672 53,099 SH   SOLE   0 0 53,099
SPDR SER TR PORTFOLIO INTRMD 78464A375 295 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,210 85,051 SH   SOLE   0 0 85,051
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 651 5,594 SH   SOLE   0 0 5,594
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,761 6,328 SH   SOLE   0 0 6,328
VANGUARD INDEX FDS SMALL CP ETF 922908751 220 969 SH   SOLE   0 0 969
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,374 47,953 SH   SOLE   0 0 47,953
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 254 1,900 SH   SOLE   0 0 1,900
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 298 5,433 SH   SOLE   0 0 5,433
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 278 2,993 SH   SOLE   0 0 2,993
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,331 12,577 SH   SOLE   0 0 12,577
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,432 125,910 SH   SOLE   0 0 125,910
VANGUARD WORLD FD EXTENDED DUR 921910709 431 3,077 SH   SOLE   0 0 3,077
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,111 14,313 SH   SOLE   0 0 14,313
VISA INC COM CL A 92826C839 489 2,258 SH   SOLE   0 0 2,258
WISDOMTREE TR GLB EX US RL EST 97717W331 257 10,562 SH   SOLE   0 0 10,562