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
3M CO COM 88579Y101 225 1,145 SH   SOLE   0 0 1,145
ABBVIE INC COM 00287Y109 279 3,011 SH   SOLE   0 0 3,011
ALPHABET INC CAP STK CL A 02079K305 278 246 SH   SOLE   0 0 246
ALPHABET INC CAP STK CL C 02079K107 235 211 SH   SOLE   0 0 211
AMAZON COM INC COM 023135106 1,134 667 SH   SOLE   0 0 667
APPLE INC COM 037833100 1,311 7,080 SH   SOLE   0 0 7,080
AT&T INC COM 00206R102 340 10,584 SH   SOLE   0 0 10,584
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 434 2,324 SH   SOLE   0 0 2,324
COCA COLA CO COM 191216100 338 7,710 SH   SOLE   0 0 7,710
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 574 13,858 SH   SOLE   0 0 13,858
EXXON MOBIL CORP COM 30231G102 1,641 19,841 SH   SOLE   0 0 19,841
FACEBOOK INC CL A 30303M102 224 1,153 SH   SOLE   0 0 1,153
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,599 29,214 SH   SOLE   0 0 29,214
HONEYWELL INTL INC COM 438516106 282 1,959 SH   SOLE   0 0 1,959
INTEL CORP COM 458140100 354 7,127 SH   SOLE   0 0 7,127
INTERNATIONAL BUSINESS MACHS COM 459200101 328 2,347 SH   SOLE   0 0 2,347
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 673 14,205 SH   SOLE   0 0 14,205
INVESCO QQQ TR UNIT SER 1 46090E103 219 1,278 SH   SOLE   0 0 1,278
ISHARES INC CORE MSCI EMKT 46434G103 893 17,007 SH   SOLE   0 0 17,007
ISHARES INC MIN VOL EMRG MKT 464286533 432 7,461 SH   SOLE   0 0 7,461
ISHARES TR CORE 1 5 YR USD 46432F859 28,321 577,036 SH   SOLE   0 0 577,036
ISHARES TR CORE HIGH DV ETF 46429B663 1,226 14,431 SH   SOLE   0 0 14,431
ISHARES TR CORE S&P MCP ETF 464287507 234 1,203 SH   SOLE   0 0 1,203
ISHARES TR CORE S&P SCP ETF 464287804 1,187 14,221 SH   SOLE   0 0 14,221
ISHARES TR CORE S&P TTL STK 464287150 435 6,957 SH   SOLE   0 0 6,957
ISHARES TR CORE S&P500 ETF 464287200 1,652 6,049 SH   SOLE   0 0 6,049
ISHARES TR EAFE SML CP ETF 464288273 212 3,381 SH   SOLE   0 0 3,381
ISHARES TR EDGE MSCI USA VL 46432F388 500 6,053 SH   SOLE   0 0 6,053
ISHARES TR IBONDS SEP18 ETF 46429B580 311 12,223 SH   SOLE   0 0 12,223
ISHARES TR IBONDS SEP19 ETF 46429B564 313 12,326 SH   SOLE   0 0 12,326
ISHARES TR IBONDS SEP20 ETF 46434V571 264 10,398 SH   SOLE   0 0 10,398
ISHARES TR INTRM GOV CR ETF 464288612 487 4,508 SH   SOLE   0 0 4,508
ISHARES TR MIN VOL EAFE ETF 46429B689 1,201 16,876 SH   SOLE   0 0 16,876
ISHARES TR MODERT ALLOC ETF 464289875 4,393 117,046 SH   SOLE   0 0 117,046
ISHARES TR MSCI EAFE ETF 464287465 1,574 23,508 SH   SOLE   0 0 23,508
ISHARES TR USA MOMENTUM FCT 46432F396 1,635 14,901 SH   SOLE   0 0 14,901
ISHARES TR USA QUALITY FCTR 46432F339 5,271 63,169 SH   SOLE   0 0 63,169
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 350 6,985 SH   SOLE   0 0 6,985
JOHNSON & JOHNSON COM 478160104 2,834 23,352 SH   SOLE   0 0 23,352
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 1,172 21,706 SH   SOLE   0 0 21,706
JPMORGAN CHASE & CO COM 46625H100 1,359 13,040 SH   SOLE   0 0 13,040
LILLY ELI & CO COM 532457108 224 2,627 SH   SOLE   0 0 2,627
MCCORMICK & CO INC COM VTG 579780107 273 2,349 SH   SOLE   0 0 2,349
MCDONALDS CORP COM 580135101 234 1,495 SH   SOLE   0 0 1,495
MERCK & CO INC COM 58933Y105 409 6,741 SH   SOLE   0 0 6,741
MICROSOFT CORP COM 594918104 561 5,688 SH   SOLE   0 0 5,688
MORGAN STANLEY COM NEW 617446448 283 5,967 SH   SOLE   0 0 5,967
NEW JERSEY RES COM 646025106 234 5,233 SH   SOLE   0 0 5,233
PEPSICO INC COM 713448108 333 3,059 SH   SOLE   0 0 3,059
PFIZER INC COM 717081103 620 17,097 SH   SOLE   0 0 17,097
PROCTER AND GAMBLE CO COM 742718109 869 11,126 SH   SOLE   0 0 11,126
PUBLIC SVC ENTERPRISE GROUP COM 744573106 704 12,996 SH   SOLE   0 0 12,996
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,378 34,524 SH   SOLE   0 0 34,524
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 310 4,464 SH   SOLE   0 0 4,464
SPDR GOLD TRUST GOLD SHS 78463V107 228 1,925 SH   SOLE   0 0 1,925
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 5,490 87,555 SH   SOLE   0 0 87,555
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,155 4,257 SH   SOLE   0 0 4,257
SPDR SER TR NUVEEN BLMBRG SR 78468R739 506 10,540 SH   SOLE   0 0 10,540
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 758 15,942 SH   SOLE   0 0 15,942
TRAVELERS COMPANIES INC COM 89417E109 205 1,672 SH   SOLE   0 0 1,672
UNION PAC CORP COM 907818108 295 2,085 SH   SOLE   0 0 2,085
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 645 27,383 SH   SOLE   0 0 27,383
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 8,158 103,024 SH   SOLE   0 0 103,024
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 531 9,703 SH   SOLE   0 0 9,703
VANGUARD GROUP DIV APP ETF 921908844 1,858 18,288 SH   SOLE   0 0 18,288
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,451 12,316 SH   SOLE   0 0 12,316
VANGUARD INDEX FDS TOTAL STK MKT 922908769 127,538 908,196 SH   SOLE   0 0 908,196
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,127 263,678 SH   SOLE   0 0 263,678
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 17,827 317,609 SH   SOLE   0 0 317,609
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 16,620 237,499 SH   SOLE   0 0 237,499
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 848 10,853 SH   SOLE   0 0 10,853
VANGUARD STAR FD VG TL INTL STK F 921909768 308 5,692 SH   SOLE   0 0 5,692
VERIZON COMMUNICATIONS INC COM 92343V104 234 4,642 SH   SOLE   0 0 4,642
VISA INC COM CL A 92826C839 363 2,743 SH   SOLE   0 0 2,743
WISDOMTREE TR US MIDCP EARNING 97717W570 817 20,334 SH   SOLE   0 0 20,334