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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   332,127 2,084 SH   SOLE   2,084 0 0
ALPHABET INC CAP STK CL C 02079K107   744,120 7,155 SH   SOLE   7,155 0 0
ALTRIA GROUP INC COM 02209S103   464,613 10,413 SH   SOLE   10,412 0 0
AMAZON COM INC COM 023135106   375,976 3,640 SH   SOLE   3,640 0 0
APPLE INC COM 037833100   6,951,941 42,159 SH   SOLE   42,158 0 0
AT&T INC COM 00206R102   587,534 30,521 SH   SOLE   30,521 0 0
BOEING CO COM 097023105   267,874 1,261 SH   SOLE   1,261 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   509,872 7,356 SH   SOLE   7,356 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,410,725 96,661 SH   SOLE   96,661 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,106,001 91,327 SH   SOLE   91,327 0 0
CHEVRON CORP NEW COM 166764100   845,155 5,180 SH   SOLE   5,179 0 0
CHURCH & DWIGHT CO INC COM 171340102   206,090 2,331 SH   SOLE   2,331 0 0
COLGATE PALMOLIVE CO COM 194162103   349,372 4,649 SH   SOLE   4,649 0 0
COMCAST CORP NEW CL A 20030N101   328,339 8,661 SH   SOLE   8,661 0 0
DISNEY WALT CO COM 254687106   579,552 5,788 SH   SOLE   5,788 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   2,519,957 85,742 SH   SOLE   85,742 0 0
EXXON MOBIL CORP COM 30231G102   1,494,356 13,627 SH   SOLE   13,627 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,260,231 29,800 SH   SOLE   29,799 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   148,403 33,424 SH   SOLE   33,424 0 0
FS KKR CAP CORP COM 302635206   444,481 24,026 SH   SOLE   24,026 0 0
HOME DEPOT INC COM 437076102   416,119 1,410 SH   SOLE   1,410 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396   2,806,665 88,510 SH   SOLE   88,510 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   4,073,463 39,059 SH   SOLE   39,059 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   462,996 3,532 SH   SOLE   3,531 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   257,537 11,006 SH   SOLE   11,005 0 0
ISHARES TR CORE S&P TTL STK 464287150   30,240,235 333,962 SH   SOLE   333,961 0 0
ISHARES TR IBOXX INV CP ETF 464287242   959,636 8,755 SH   SOLE   8,755 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,870,775 35,927 SH   SOLE   35,927 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   558,035 3,128 SH   SOLE   3,128 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   371,881 6,811 SH   SOLE   6,811 0 0
JOHNSON & JOHNSON COM 478160104   384,298 2,479 SH   SOLE   2,479 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   1,287,696 58,030 SH   SOLE   58,030 0 0
M & T BK CORP COM 55261F104   1,717,384 14,363 SH   SOLE   14,363 0 0
MERCK & CO INC COM 58933Y105   1,934,467 18,183 SH   SOLE   18,182 0 0
MICROSOFT CORP COM 594918104   1,142,718 3,964 SH   SOLE   3,963 0 0
MONDELEZ INTL INC CL A 609207105   804,859 11,544 SH   SOLE   11,544 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   268,209 937 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106   268,092 776 SH   SOLE   776 0 0
NEW JERSEY RES CORP COM 646025106   674,560 12,680 SH   SOLE   12,679 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   181,388 15,490 SH   SOLE   15,490 0 0
NVIDIA CORPORATION COM 67066G104   414,711 1,493 SH   SOLE   1,493 0 0
ORACLE CORP COM 68389X105   248,965 2,679 SH   SOLE   2,679 0 0
PEPSICO INC COM 713448108   602,139 3,303 SH   SOLE   3,303 0 0
PFIZER INC COM 717081103   261,656 6,413 SH   SOLE   6,413 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   2,542,549 51,573 SH   SOLE   51,573 0 0
PHILIP MORRIS INTL INC COM 718172109   1,691,476 17,393 SH   SOLE   17,393 0 0
PROCTER AND GAMBLE CO COM 742718109   1,400,375 9,418 SH   SOLE   9,418 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   338,541 5,421 SH   SOLE   5,421 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103   72,368 11,806 SH   SOLE   11,805 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,146,869 32,956 SH   SOLE   32,956 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   314,399 7,721 SH   SOLE   7,721 0 0
SPDR SER TR DJ REIT ETF 78464A607   935,541 10,538 SH   SOLE   10,537 0 0
VALLEY NATL BANCORP COM 919794107   257,935 27,915 SH   SOLE   27,915 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,346,630 56,641 SH   SOLE   56,641 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   878,123 2,335 SH   SOLE   2,335 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,447,466 40,632 SH   SOLE   40,631 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,174,857 30,254 SH   SOLE   30,254 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   460,858 8,619 SH   SOLE   8,619 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   276,780 7,117 SH   SOLE   7,117 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   2,173,897 43,714 SH   SOLE   43,714 0 0