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
3M CO COM 88579Y101 238 1,129 SH   SOLE   0 0 1,129
ABBVIE INC COM 00287Y109 275 2,908 SH   SOLE   0 0 2,908
ALPHABET INC CAP STK CL C 02079K107 247 207 SH   SOLE   0 0 207
ALPHABET INC CAP STK CL A 02079K305 295 244 SH   SOLE   0 0 244
AMAZON COM INC COM 023135106 1,326 662 SH   SOLE   0 0 662
APPLE INC COM 037833100 1,724 7,636 SH   SOLE   0 0 7,636
AT&T INC COM 00206R102 345 10,278 SH   SOLE   0 0 10,278
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 497 2,322 SH   SOLE   0 0 2,322
COCA COLA CO COM 191216100 346 7,495 SH   SOLE   0 0 7,495
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 543 13,195 SH   SOLE   0 0 13,195
EXXON MOBIL CORP COM 30231G102 1,648 19,386 SH   SOLE   0 0 19,386
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,785 30,386 SH   SOLE   0 0 30,386
HONEYWELL INTL INC COM 438516106 320 1,924 SH   SOLE   0 0 1,924
INTEL CORP COM 458140100 336 7,113 SH   SOLE   0 0 7,113
INTERNATIONAL BUSINESS MACHS COM 459200101 357 2,358 SH   SOLE   0 0 2,358
ISHARES INC MIN VOL EMRG MKT 464286533 471 7,950 SH   SOLE   0 0 7,950
ISHARES INC CORE MSCI EMKT 46434G103 643 12,421 SH   SOLE   0 0 12,421
ISHARES TR CORE S&P TTL STK 464287150 465 6,985 SH   SOLE   0 0 6,985
ISHARES TR CORE S&P500 ETF 464287200 1,771 6,052 SH   SOLE   0 0 6,052
ISHARES TR MSCI EAFE ETF 464287465 1,464 21,537 SH   SOLE   0 0 21,537
ISHARES TR CORE S&P MCP ETF 464287507 243 1,205 SH   SOLE   0 0 1,205
ISHARES TR CORE S&P SCP ETF 464287804 1,511 17,324 SH   SOLE   0 0 17,324
ISHARES TR EAFE SML CP ETF 464288273 211 3,381 SH   SOLE   0 0 3,381
ISHARES TR MRGSTR MD CP GRW 464288307 291 1,234 SH   SOLE   0 0 1,234
ISHARES TR INTRM GOV CR ETF 464288612 485 4,508 SH   SOLE   0 0 4,508
ISHARES TR MODERT ALLOC ETF 464289875 4,368 115,283 SH   SOLE   0 0 115,283
ISHARES TR IBONDS SEP19 ETF 46429B564 215 8,480 SH   SOLE   0 0 8,480
ISHARES TR CORE HIGH DV ETF 46429B663 1,307 14,431 SH   SOLE   0 0 14,431
ISHARES TR MIN VOL EAFE ETF 46429B689 1,329 18,247 SH   SOLE   0 0 18,247
ISHARES TR USA QUALITY FCTR 46432F339 23,465 259,656 SH   SOLE   0 0 259,656
ISHARES TR EDGE MSCI USA VL 46432F388 957 10,898 SH   SOLE   0 0 10,898
ISHARES TR USA MOMENTUM FCT 46432F396 2,587 21,743 SH   SOLE   0 0 21,743
ISHARES TR CORE 1 5 YR USD 46432F859 28,759 586,917 SH   SOLE   0 0 586,917
ISHARES TR IBONDS SEP2020 46434V571 263 10,423 SH   SOLE   0 0 10,423
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 269 5,358 SH   SOLE   0 0 5,358
JOHNSON & JOHNSON COM 478160104 3,224 23,334 SH   SOLE   0 0 23,334
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 1,205 22,297 SH   SOLE   0 0 22,297
JPMORGAN CHASE & CO COM 46625H100 1,429 12,661 SH   SOLE   0 0 12,661
LILLY ELI & CO COM 532457108 284 2,650 SH   SOLE   0 0 2,650
MCCORMICK & CO INC COM VTG 579780107 311 2,359 SH   SOLE   0 0 2,359
MCDONALDS CORP COM 580135101 248 1,482 SH   SOLE   0 0 1,482
MERCK & CO INC COM 58933Y105 618 8,706 SH   SOLE   0 0 8,706
MICROSOFT CORP COM 594918104 636 5,565 SH   SOLE   0 0 5,565
MORGAN STANLEY COM NEW 617446448 278 5,966 SH   SOLE   0 0 5,966
NEW JERSEY RES COM 646025106 237 5,133 SH   SOLE   0 0 5,133
NVIDIA CORP COM 67066G104 207 735 SH   SOLE   0 0 735
PEPSICO INC COM 713448108 321 2,870 SH   SOLE   0 0 2,870
PFIZER INC COM 717081103 899 20,393 SH   SOLE   0 0 20,393
PROCTER AND GAMBLE CO COM 742718109 924 11,107 SH   SOLE   0 0 11,107
PUBLIC SVC ENTERPRISE GROUP COM 744573106 687 13,009 SH   SOLE   0 0 13,009
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,412 34,678 SH   SOLE   0 0 34,678
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 301 3,994 SH   SOLE   0 0 3,994
SPDR GOLD TRUST GOLD SHS 78463V107 223 1,975 SH   SOLE   0 0 1,975
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 5,766 89,893 SH   SOLE   0 0 89,893
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,083 3,725 SH   SOLE   0 0 3,725
SPDR SERIES TRUST S&P REGL BKG 78464A698 231 3,892 SH   SOLE   0 0 3,892
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 776 16,428 SH   SOLE   0 0 16,428
UNION PAC CORP COM 907818108 298 1,833 SH   SOLE   0 0 1,833
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,911 100,526 SH   SOLE   0 0 100,526
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 504 9,245 SH   SOLE   0 0 9,245
VANGUARD GROUP DIV APP ETF 921908844 2,097 18,943 SH   SOLE   0 0 18,943
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,498 12,221 SH   SOLE   0 0 12,221
VANGUARD INDEX FDS TOTAL STK MKT 922908769 132,998 888,728 SH   SOLE   0 0 888,728
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 328 8,008 SH   SOLE   0 0 8,008
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 14,947 210,223 SH   SOLE   0 0 210,223
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 15,695 279,169 SH   SOLE   0 0 279,169
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 872 11,155 SH   SOLE   0 0 11,155
VANGUARD STAR FD VG TL INTL STK F 921909768 297 5,509 SH   SOLE   0 0 5,509
VANGUARD WORLD FD MEGA GRWTH IND 921910816 213 1,664 SH   SOLE   0 0 1,664
VERIZON COMMUNICATIONS INC COM 92343V104 251 4,702 SH   SOLE   0 0 4,702
VISA INC COM CL A 92826C839 408 2,719 SH   SOLE   0 0 2,719
WISDOMTREE TR US MIDCP EARNING 97717W570 890 21,513 SH   SOLE   0 0 21,513