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   280,777 2,084 SH   SOLE   2,084 0 0
ALPHABET INC CAP STK CL C 02079K107   865,540 7,155 SH   SOLE   7,155 0 0
ALTRIA GROUP INC COM 02209S103   384,786 8,494 SH   SOLE   8,494 0 0
AMAZON COM INC COM 023135106   433,577 3,326 SH   SOLE   3,326 0 0
APPLE INC COM 037833100   8,126,667 41,897 SH   SOLE   41,896 0 0
AT&T INC COM 00206R102   487,078 30,538 SH   SOLE   30,537 0 0
BANK AMERICA CORP COM 060505104   200,428 6,986 SH   SOLE   6,986 0 0
BOEING CO COM 097023105   266,273 1,261 SH   SOLE   1,261 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   459,411 7,184 SH   SOLE   7,183 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,527,267 93,464 SH   SOLE   93,464 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,140,629 88,128 SH   SOLE   88,128 0 0
CATERPILLAR INC COM 149123101   207,849 845 SH   SOLE   844 0 0
CHEVRON CORP NEW COM 166764100   815,115 5,180 SH   SOLE   5,180 0 0
CHURCH & DWIGHT CO INC COM 171340102   234,333 2,338 SH   SOLE   2,337 0 0
COLGATE PALMOLIVE CO COM 194162103   358,159 4,649 SH   SOLE   4,649 0 0
COMCAST CORP NEW CL A 20030N101   359,906 8,662 SH   SOLE   8,662 0 0
DISNEY WALT CO COM 254687106   515,681 5,776 SH   SOLE   5,776 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   2,631,851 83,937 SH   SOLE   83,937 0 0
EXXON MOBIL CORP COM 30231G102   1,470,829 13,714 SH   SOLE   13,714 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,175,517 29,337 SH   SOLE   29,336 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   343,314 72,277 SH   SOLE   72,276 0 0
FS KKR CAP CORP COM 302635206   455,794 23,764 SH   SOLE   23,764 0 0
HOME DEPOT INC COM 437076102   438,002 1,410 SH   SOLE   1,410 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396   2,778,682 85,670 SH   SOLE   85,669 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   4,417,696 39,067 SH   SOLE   39,067 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   773,589 5,781 SH   SOLE   5,781 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   236,843 10,235 SH   SOLE   10,235 0 0
ISHARES TR CORE S&P TTL STK 464287150   32,117,502 328,266 SH   SOLE   328,265 0 0
ISHARES TR IBOXX INV CP ETF 464287242   946,766 8,755 SH   SOLE   8,755 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,822,748 35,817 SH   SOLE   35,817 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   585,781 3,128 SH   SOLE   3,128 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   353,337 6,386 SH   SOLE   6,386 0 0
JOHNSON & JOHNSON COM 478160104   441,041 2,665 SH   SOLE   2,664 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   1,320,574 57,642 SH   SOLE   57,641 0 0
LINDE PLC SHS G54950103   296,099 777 SH   SOLE   777 0 0
M & T BK CORP COM 55261F104   1,777,565 14,363 SH   SOLE   14,363 0 0
MERCK & CO INC COM 58933Y105   2,041,345 17,691 SH   SOLE   17,690 0 0
MICROSOFT CORP COM 594918104   1,332,857 3,914 SH   SOLE   3,913 0 0
MONDELEZ INTL INC CL A 609207105   842,327 11,548 SH   SOLE   11,548 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   274,958 938 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106   342,701 778 SH   SOLE   778 0 0
NEW JERSEY RES CORP COM 646025106   590,531 12,511 SH   SOLE   12,511 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   177,670 15,490 SH   SOLE   15,490 0 0
NVIDIA CORPORATION COM 67066G104   644,259 1,523 SH   SOLE   1,523 0 0
ORACLE CORP COM 68389X105   319,496 2,683 SH   SOLE   2,682 0 0
PEPSICO INC COM 713448108   612,295 3,306 SH   SOLE   3,305 0 0
PFIZER INC COM 717081103   255,707 6,971 SH   SOLE   6,971 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   4,001,172 80,979 SH   SOLE   80,979 0 0
PHILIP MORRIS INTL INC COM 718172109   1,694,301 17,356 SH   SOLE   17,356 0 0
PROCTER AND GAMBLE CO COM 742718109   1,429,443 9,420 SH   SOLE   9,420 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   339,409 5,421 SH   SOLE   5,421 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103   71,896 11,806 SH   SOLE   11,805 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,144,650 32,108 SH   SOLE   32,108 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   333,547 7,721 SH   SOLE   7,721 0 0
SPDR SER TR DJ REIT ETF 78464A607   908,000 10,040 SH   SOLE   10,039 0 0
VALLEY NATL BANCORP COM 919794107   216,341 27,915 SH   SOLE   27,915 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,441,246 45,743 SH   SOLE   45,743 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,700,572 30,418 SH   SOLE   30,418 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,072,776 2,634 SH   SOLE   2,634 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,518,733 39,881 SH   SOLE   39,881 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   527,668 9,698 SH   SOLE   9,698 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   211,090 5,676 SH   SOLE   5,676 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   2,088,563 41,746 SH   SOLE   41,746 0 0