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 254 1,222 SH   SOLE   0 0 1,222
ABBVIE INC COM 00287Y109 233 2,886 SH   SOLE   0 0 2,886
ALPHABET INC CAP STK CL C 02079K107 329 280 SH   SOLE   0 0 280
ALPHABET INC CAP STK CL A 02079K305 280 238 SH   SOLE   0 0 238
AMAZON COM INC COM 023135106 1,200 674 SH   SOLE   0 0 674
APPLE INC COM 037833100 1,850 9,737 SH   SOLE   0 0 9,737
AT&T INC COM 00206R102 278 8,872 SH   SOLE   0 0 8,872
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 507 2,522 SH   SOLE   0 0 2,522
COCA COLA CO COM 191216100 351 7,495 SH   SOLE   0 0 7,495
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 654 17,021 SH   SOLE   0 0 17,021
EXXON MOBIL CORP COM 30231G102 1,503 18,600 SH   SOLE   0 0 18,600
FACEBOOK INC CL A 30303M102 239 1,432 SH   SOLE   0 0 1,432
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 252 4,916 SH   SOLE   0 0 4,916
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,941 34,147 SH   SOLE   0 0 34,147
HONEYWELL INTL INC COM 438516106 351 2,209 SH   SOLE   0 0 2,209
INTEL CORP COM 458140100 341 6,352 SH   SOLE   0 0 6,352
INTERNATIONAL BUSINESS MACHS COM 459200101 331 2,343 SH   SOLE   0 0 2,343
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 1,088 51,657 SH   SOLE   0 0 51,657
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,081 50,957 SH   SOLE   0 0 50,957
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,068 50,790 SH   SOLE   0 0 50,790
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 992 47,706 SH   SOLE   0 0 47,706
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,078 51,052 SH   SOLE   0 0 51,052
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 13,283 252,327 SH   SOLE   0 0 252,327
ISHARES INC MIN VOL EMRG MKT 464286533 470 7,932 SH   SOLE   0 0 7,932
ISHARES TR CORE S&P TTL STK 464287150 1,068 16,583 SH   SOLE   0 0 16,583
ISHARES TR CORE S&P500 ETF 464287200 493 1,734 SH   SOLE   0 0 1,734
ISHARES TR CORE US AGGBD ET 464287226 288 2,643 SH   SOLE   0 0 2,643
ISHARES TR S&P 500 GRWT ETF 464287309 232 1,348 SH   SOLE   0 0 1,348
ISHARES TR MSCI EAFE ETF 464287465 1,261 19,435 SH   SOLE   0 0 19,435
ISHARES TR S&P MC 400VL ETF 464287705 258 1,642 SH   SOLE   0 0 1,642
ISHARES TR CORE S&P SCP ETF 464287804 1,606 20,814 SH   SOLE   0 0 20,814
ISHARES TR EAFE SML CP ETF 464288273 303 5,275 SH   SOLE   0 0 5,275
ISHARES TR MRGSTR MD CP GRW 464288307 211 898 SH   SOLE   0 0 898
ISHARES TR MODERT ALLOC ETF 464289875 3,474 91,270 SH   SOLE   0 0 91,270
ISHARES TR IBONDS SEP19 ETF 46429B564 289 11,358 SH   SOLE   0 0 11,358
ISHARES TR CORE HIGH DV ETF 46429B663 1,346 14,431 SH   SOLE   0 0 14,431
ISHARES TR MIN VOL EAFE ETF 46429B689 1,327 18,437 SH   SOLE   0 0 18,437
ISHARES TR USA QUALITY FCTR 46432F339 3,582 40,457 SH   SOLE   0 0 40,457
ISHARES TR EDGE MSCI USA VL 46432F388 1,445 18,097 SH   SOLE   0 0 18,097
ISHARES TR USA MOMENTUM FCT 46432F396 2,537 22,611 SH   SOLE   0 0 22,611
ISHARES TR CORE 1 5 YR USD 46432F859 35,909 720,192 SH   SOLE   0 0 720,192
ISHARES TR MULTIFACTOR INTL 46434V274 28,853 1,095,838 SH   SOLE   0 0 1,095,838
ISHARES TR 0-5YR HI YL CP 46434V407 207 4,430 SH   SOLE   0 0 4,430
ISHARES TR IBONDS SEP2020 46434V571 339 13,293 SH   SOLE   0 0 13,293
ISHARES TR IBONDS DEC2021 46435G789 232 9,051 SH   SOLE   0 0 9,051
JOHNSON & JOHNSON COM 478160104 2,945 21,068 SH   SOLE   0 0 21,068
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 2,048 37,757 SH   SOLE   0 0 37,757
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 289 5,738 SH   SOLE   0 0 5,738
JPMORGAN CHASE & CO COM 46625H100 1,236 12,206 SH   SOLE   0 0 12,206
LILLY ELI & CO COM 532457108 315 2,425 SH   SOLE   0 0 2,425
MCCORMICK & CO INC COM NON VTG 579780206 359 2,381 SH   SOLE   0 0 2,381
MCDONALDS CORP COM 580135101 286 1,504 SH   SOLE   0 0 1,504
MERCK & CO INC COM 58933Y105 730 8,780 SH   SOLE   0 0 8,780
MICROSOFT CORP COM 594918104 584 4,955 SH   SOLE   0 0 4,955
MORGAN STANLEY COM NEW 617446448 247 5,848 SH   SOLE   0 0 5,848
NEW JERSEY RES COM 646025106 256 5,133 SH   SOLE   0 0 5,133
PEPSICO INC COM 713448108 345 2,813 SH   SOLE   0 0 2,813
PFIZER INC COM 717081103 883 20,801 SH   SOLE   0 0 20,801
PROCTER AND GAMBLE CO COM 742718109 914 8,785 SH   SOLE   0 0 8,785
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 774 13,032 SH   SOLE   0 0 13,032
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 849 12,480 SH   SOLE   0 0 12,480
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,373 36,868 SH   SOLE   0 0 36,868
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 39,203 749,858 SH   SOLE   0 0 749,858
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 210 6,704 SH   SOLE   0 0 6,704
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,509 209,379 SH   SOLE   0 0 209,379
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 6,177 99,184 SH   SOLE   0 0 99,184
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,014 3,591 SH   SOLE   0 0 3,591
SPDR SER TR NUVEEN BLMBRG SR 78468R739 647 13,338 SH   SOLE   0 0 13,338
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 886 18,319 SH   SOLE   0 0 18,319
TRAVELERS COMPANIES INC COM 89417E109 213 1,552 SH   SOLE   0 0 1,552
UNION PACIFIC CORP COM 907818108 295 1,763 SH   SOLE   0 0 1,763
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 2,681 54,947 SH   SOLE   0 0 54,947
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,274 40,329 SH   SOLE   0 0 40,329
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 509 9,118 SH   SOLE   0 0 9,118
VANGUARD GROUP DIV APP ETF 921908844 2,288 20,868 SH   SOLE   0 0 20,868
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,385 12,000 SH   SOLE   0 0 12,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769 117,235 810,136 SH   SOLE   0 0 810,136
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 293 4,448 SH   SOLE   0 0 4,448
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 385 7,187 SH   SOLE   0 0 7,187
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 879 11,017 SH   SOLE   0 0 11,017
VANGUARD STAR FD VG TL INTL STK F 921909768 237 4,557 SH   SOLE   0 0 4,557
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 431 10,548 SH   SOLE   0 0 10,548
VANGUARD WORLD FD MEGA GRWTH IND 921910816 207 1,664 SH   SOLE   0 0 1,664
VERIZON COMMUNICATIONS INC COM 92343V104 302 5,112 SH   SOLE   0 0 5,112
VISA INC COM CL A 92826C839 358 2,294 SH   SOLE   0 0 2,294
WISDOMTREE TR US MIDCAP FUND 97717W570 959 24,389 SH   SOLE   0 0 24,389