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
ABBVIE INC COM 00287Y109 294 1,922 SH   SOLE   1,922 0 0
ALPHABET INC CAP STK CL C 02079K107 1,214 555 SH   SOLE   555 0 0
ALTRIA GROUP INC COM 02209S103 580 13,875 SH   SOLE   13,875 0 0
AMAZON COM INC COM 023135106 1,026 9,660 SH   SOLE   9,660 0 0
APPLE INC COM 037833100 12,317 90,088 SH   SOLE   90,087 0 0
AT&T INC COM 00206R102 751 35,809 SH   SOLE   35,808 0 0
BK OF AMERICA CORP COM 060505104 280 8,986 SH   SOLE   8,986 0 0
BLACKSTONE INC COM 09260D107 200 2,193 SH   SOLE   2,193 0 0
BOEING CO COM 097023105 774 5,661 SH   SOLE   5,661 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 640 8,306 SH   SOLE   8,306 0 0
CHEVRON CORP NEW COM 166764100 684 4,721 SH   SOLE   4,721 0 0
CHURCH & DWIGHT CO INC COM 171340102 214 2,309 SH   SOLE   2,308 0 0
COLGATE PALMOLIVE CO COM 194162103 390 4,872 SH   SOLE   4,872 0 0
COMCAST CORP NEW CL A 20030N101 456 11,611 SH   SOLE   11,611 0 0
DISNEY WALT CO COM 254687106 602 6,376 SH   SOLE   6,376 0 0
EXXON MOBIL CORP COM 30231G102 1,541 17,994 SH   SOLE   17,993 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,282 32,315 SH   SOLE   32,315 0 0
FS KKR CAP CORP COM 302635206 505 26,009 SH   SOLE   26,009 0 0
HOME DEPOT INC COM 437076102 403 1,470 SH   SOLE   1,470 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 2,385 79,350 SH   SOLE   79,350 0 0
INTEL CORP COM 458140100 457 12,212 SH   SOLE   12,212 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 3,718 39,534 SH   SOLE   39,534 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 499 3,536 SH   SOLE   3,536 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201 392 15,182 SH   SOLE   15,182 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,744 35,539 SH   SOLE   35,539 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,052 76,121 SH   SOLE   76,121 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 554 3,271 SH   SOLE   3,271 0 0
ISHARES TR CORE S&P TTL STK 464287150 27,671 330,279 SH   SOLE   330,279 0 0
ISHARES TR CORE S&P SCP ETF 464287804 237 2,570 SH   SOLE   2,570 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 255 4,600 SH   SOLE   4,600 0 0
JOHNSON & JOHNSON COM 478160104 630 3,547 SH   SOLE   3,546 0 0
JPMORGAN CHASE & CO COM 46625H100 320 2,845 SH   SOLE   2,845 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 1,385 73,061 SH   SOLE   73,061 0 0
LOWES COS INC COM 548661107 379 2,171 SH   SOLE   2,171 0 0
M & T BK CORP COM 55261F104 2,894 18,158 SH   SOLE   18,158 0 0
MERCK & CO INC COM 58933Y105 1,664 18,248 SH   SOLE   18,247 0 0
MICROSOFT CORP COM 594918104 1,549 6,031 SH   SOLE   6,030 0 0
MONDELEZ INTL INC CL A 609207105 794 12,787 SH   SOLE   12,787 0 0
NEW JERSEY RES CORP COM 646025106 468 10,518 SH   SOLE   10,517 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 215 17,101 SH   SOLE   17,101 0 0
NVIDIA CORPORATION COM 67066G104 368 2,425 SH   SOLE   2,425 0 0
ORACLE CORP COM 68389X105 240 3,435 SH   SOLE   3,435 0 0
PEPSICO INC COM 713448108 745 4,471 SH   SOLE   4,471 0 0
PFIZER INC COM 717081103 350 6,680 SH   SOLE   6,680 0 0
PHILIP MORRIS INTL INC COM 718172109 1,810 18,332 SH   SOLE   18,332 0 0
PROCTER AND GAMBLE CO COM 742718109 1,355 9,421 SH   SOLE   9,421 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 342 5,410 SH   SOLE   5,410 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103 78 11,806 SH   SOLE   11,805 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 2,522 2,521,934 SH   SOLE   2,521,933 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 220 4,986 SH   SOLE   4,986 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 304 11,058 SH   SOLE   11,058 0 0
SPDR SER TR DJ REIT ETF 78464A607 1,046 10,999 SH   SOLE   10,999 0 0
TESLA INC COM 88160R101 518 769 SH   SOLE   769 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 201 370 SH   SOLE   370 0 0
VALLEY NATL BANCORP COM 919794107 590 56,715 SH   SOLE   56,715 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 825 2,378 SH   SOLE   2,378 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,126 21,873 SH   SOLE   21,873 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,861 37,530 SH   SOLE   37,529 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 437 8,605 SH   SOLE   8,605 0 0
VISA INC COM CL A 92826C839 490 2,487 SH   SOLE   2,487 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 1,854 40,802 SH   SOLE   40,802 0 0