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 215 1,129 SH   SOLE   0 0 1,129
ABBVIE INC COM 00287Y109 248 2,689 SH   SOLE   0 0 2,689
ALPHABET INC CAP STK CL C 02079K107 221 213 SH   SOLE   0 0 213
ALPHABET INC CAP STK CL A 02079K305 251 240 SH   SOLE   0 0 240
AMAZON COM INC COM 023135106 1,090 726 SH   SOLE   0 0 726
APPLE INC COM 037833100 1,191 7,547 SH   SOLE   0 0 7,547
AT&T INC COM 00206R102 267 9,356 SH   SOLE   0 0 9,356
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 474 2,322 SH   SOLE   0 0 2,322
COCA COLA CO COM 191216100 355 7,502 SH   SOLE   0 0 7,502
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 367 10,898 SH   SOLE   0 0 10,898
EXXON MOBIL CORP COM 30231G102 1,270 18,626 SH   SOLE   0 0 18,626
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,530 30,428 SH   SOLE   0 0 30,428
HONEYWELL INTL INC COM 438516106 254 1,924 SH   SOLE   0 0 1,924
INTEL CORP COM 458140100 311 6,623 SH   SOLE   0 0 6,623
INTERNATIONAL BUSINESS MACHS COM 459200101 266 2,343 SH   SOLE   0 0 2,343
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 1,138 54,053 SH   SOLE   0 0 54,053
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,109 52,649 SH   SOLE   0 0 52,649
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 765 36,877 SH   SOLE   0 0 36,877
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 713 34,610 SH   SOLE   0 0 34,610
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 671 14,389 SH   SOLE   0 0 14,389
ISHARES INC MIN VOL EMRG MKT 464286533 428 7,653 SH   SOLE   0 0 7,653
ISHARES INC CORE MSCI EMKT 46434G103 592 12,551 SH   SOLE   0 0 12,551
ISHARES TR CORE S&P TTL STK 464287150 9,037 159,207 SH   SOLE   0 0 159,207
ISHARES TR CORE S&P500 ETF 464287200 1,240 4,926 SH   SOLE   0 0 4,926
ISHARES TR CORE US AGGBD ET 464287226 281 2,643 SH   SOLE   0 0 2,643
ISHARES TR S&P 500 GRWT ETF 464287309 203 1,348 SH   SOLE   0 0 1,348
ISHARES TR MSCI EAFE ETF 464287465 1,149 19,547 SH   SOLE   0 0 19,547
ISHARES TR S&P MC 400VL ETF 464287705 227 1,642 SH   SOLE   0 0 1,642
ISHARES TR CORE S&P SCP ETF 464287804 1,148 16,564 SH   SOLE   0 0 16,564
ISHARES TR EAFE SML CP ETF 464288273 293 5,651 SH   SOLE   0 0 5,651
ISHARES TR INTRM GOV CR ETF 464288612 488 4,508 SH   SOLE   0 0 4,508
ISHARES TR MODERT ALLOC ETF 464289875 3,316 92,933 SH   SOLE   0 0 92,933
ISHARES TR CORE HIGH DV ETF 46429B663 1,218 14,431 SH   SOLE   0 0 14,431
ISHARES TR MIN VOL EAFE ETF 46429B689 1,220 18,300 SH   SOLE   0 0 18,300
ISHARES TR USA QUALITY FCTR 46432F339 14,507 186,775 SH   SOLE   0 0 186,775
ISHARES TR EDGE MSCI USA VL 46432F388 800 11,023 SH   SOLE   0 0 11,023
ISHARES TR USA MOMENTUM FCT 46432F396 2,041 20,359 SH   SOLE   0 0 20,359
ISHARES TR CORE 1 5 YR USD 46432F859 34,839 710,120 SH   SOLE   0 0 710,120
ISHARES TR IBONDS SEP2020 46434V571 205 8,090 SH   SOLE   0 0 8,090
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 227 4,634 SH   SOLE   0 0 4,634
JOHNSON & JOHNSON COM 478160104 2,985 23,134 SH   SOLE   0 0 23,134
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 1,174 23,098 SH   SOLE   0 0 23,098
JPMORGAN CHASE & CO COM 46625H100 1,213 12,423 SH   SOLE   0 0 12,423
LILLY ELI & CO COM 532457108 304 2,629 SH   SOLE   0 0 2,629
MCCORMICK & CO INC COM NON VTG 579780206 330 2,368 SH   SOLE   0 0 2,368
MCDONALDS CORP COM 580135101 263 1,482 SH   SOLE   0 0 1,482
MERCK & CO INC COM 58933Y105 667 8,732 SH   SOLE   0 0 8,732
MICROSOFT CORP COM 594918104 565 5,565 SH   SOLE   0 0 5,565
MORGAN STANLEY COM NEW 617446448 237 5,966 SH   SOLE   0 0 5,966
NEW JERSEY RES COM 646025106 234 5,133 SH   SOLE   0 0 5,133
PEPSICO INC COM 713448108 319 2,884 SH   SOLE   0 0 2,884
PFIZER INC COM 717081103 890 20,393 SH   SOLE   0 0 20,393
PROCTER AND GAMBLE CO COM 742718109 1,020 11,098 SH   SOLE   0 0 11,098
PUBLIC SVC ENTERPRISE GROUP COM 744573106 678 13,022 SH   SOLE   0 0 13,022
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 14,206 237,039 SH   SOLE   0 0 237,039
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 210 8,916 SH   SOLE   0 0 8,916
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,167 35,531 SH   SOLE   0 0 35,531
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,589 267,693 SH   SOLE   0 0 267,693
SPDR GOLD TRUST GOLD SHS 78463V107 236 1,950 SH   SOLE   0 0 1,950
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 4,778 84,517 SH   SOLE   0 0 84,517
SPDR S&P 500 ETF TR TR UNIT 78462F103 897 3,591 SH   SOLE   0 0 3,591
SPDR SER TR NUVEEN BLMBRG SR 78468R739 2,263 47,096 SH   SOLE   0 0 47,096
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 781 16,480 SH   SOLE   0 0 16,480
UNION PAC CORP COM 907818108 247 1,788 SH   SOLE   0 0 1,788
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 10,192 214,701 SH   SOLE   0 0 214,701
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 27,171 343,025 SH   SOLE   0 0 343,025
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 502 9,245 SH   SOLE   0 0 9,245
VANGUARD GROUP DIV APP ETF 921908844 1,887 19,269 SH   SOLE   0 0 19,269
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,273 12,751 SH   SOLE   0 0 12,751
VANGUARD INDEX FDS TOTAL STK MKT 922908769 111,640 874,716 SH   SOLE   0 0 874,716
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 11,314 186,612 SH   SOLE   0 0 186,612
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 10,832 222,784 SH   SOLE   0 0 222,784
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 774 9,930 SH   SOLE   0 0 9,930
VANGUARD STAR FD VG TL INTL STK F 921909768 252 5,342 SH   SOLE   0 0 5,342
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,503 67,480 SH   SOLE   0 0 67,480
VERIZON COMMUNICATIONS INC COM 92343V104 286 5,089 SH   SOLE   0 0 5,089
VISA INC COM CL A 92826C839 359 2,719 SH   SOLE   0 0 2,719
WISDOMTREE TR US MIDCP EARNING 97717W570 747 21,773 SH   SOLE   0 0 21,773