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 216 1,247 SH   SOLE   0 0 1,247
ABBVIE INC COM 00287Y109 213 2,933 SH   SOLE   0 0 2,933
ALPHABET INC CAP STK CL C 02079K107 275 254 SH   SOLE   0 0 254
ALPHABET INC CAP STK CL A 02079K305 265 245 SH   SOLE   0 0 245
AMAZON COM INC COM 023135106 1,291 682 SH   SOLE   0 0 682
APPLE INC COM 037833100 1,759 8,887 SH   SOLE   0 0 8,887
AT&T INC COM 00206R102 306 9,138 SH   SOLE   0 0 9,138
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 548 2,570 SH   SOLE   0 0 2,570
COCA COLA CO COM 191216100 388 7,624 SH   SOLE   0 0 7,624
COSTCO WHSL CORP NEW COM 22160K105 209 790 SH   SOLE   0 0 790
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 1,178 30,214 SH   SOLE   0 0 30,214
DISNEY WALT CO COM DISNEY 254687106 293 2,100 SH   SOLE   0 0 2,100
EXXON MOBIL CORP COM 30231G102 1,466 19,137 SH   SOLE   0 0 19,137
FACEBOOK INC CL A 30303M102 286 1,481 SH   SOLE   0 0 1,481
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 254 4,916 SH   SOLE   0 0 4,916
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 2,244 38,180 SH   SOLE   0 0 38,180
HONEYWELL INTL INC COM 438516106 680 3,893 SH   SOLE   0 0 3,893
INTEL CORP COM 458140100 308 6,430 SH   SOLE   0 0 6,430
INTERNATIONAL BUSINESS MACHS COM 459200101 309 2,237 SH   SOLE   0 0 2,237
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 1,020 48,341 SH   SOLE   0 0 48,341
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,079 50,742 SH   SOLE   0 0 50,742
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,067 50,348 SH   SOLE   0 0 50,348
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 998 47,173 SH   SOLE   0 0 47,173
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,083 50,627 SH   SOLE   0 0 50,627
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 21,401 388,964 SH   SOLE   0 0 388,964
ISHARES INC MIN VOL EMRG MKT 464286533 508 8,637 SH   SOLE   0 0 8,637
ISHARES TR CORE S&P TTL STK 464287150 1,104 16,569 SH   SOLE   0 0 16,569
ISHARES TR CORE S&P500 ETF 464287200 511 1,734 SH   SOLE   0 0 1,734
ISHARES TR CORE US AGGBD ET 464287226 286 2,568 SH   SOLE   0 0 2,568
ISHARES TR S&P 500 GRWT ETF 464287309 242 1,348 SH   SOLE   0 0 1,348
ISHARES TR MSCI EAFE ETF 464287465 1,277 19,435 SH   SOLE   0 0 19,435
ISHARES TR S&P MC 400VL ETF 464287705 262 1,642 SH   SOLE   0 0 1,642
ISHARES TR CORE S&P SCP ETF 464287804 1,167 14,914 SH   SOLE   0 0 14,914
ISHARES TR EAFE SML CP ETF 464288273 303 5,275 SH   SOLE   0 0 5,275
ISHARES TR MRGSTR MD CP GRW 464288307 211 839 SH   SOLE   0 0 839
ISHARES TR MODERT ALLOC ETF 464289875 4,593 117,718 SH   SOLE   0 0 117,718
ISHARES TR IBONDS SEP19 ETF 46429B564 289 11,364 SH   SOLE   0 0 11,364
ISHARES TR CORE HIGH DV ETF 46429B663 1,364 14,431 SH   SOLE   0 0 14,431
ISHARES TR MIN VOL EAFE ETF 46429B689 1,342 18,477 SH   SOLE   0 0 18,477
ISHARES TR USA QUALITY FCTR 46432F339 3,342 36,532 SH   SOLE   0 0 36,532
ISHARES TR EDGE MSCI USA VL 46432F388 1,605 19,767 SH   SOLE   0 0 19,767
ISHARES TR USA MOMENTUM FCT 46432F396 2,713 22,877 SH   SOLE   0 0 22,877
ISHARES TR CORE 1 5 YR USD 46432F859 1,646 32,648 SH   SOLE   0 0 32,648
ISHARES TR MULTIFACTOR INTL 46434V274 26,089 993,482 SH   SOLE   0 0 993,482
ISHARES TR 0-5YR HI YL CP 46434V407 225 4,808 SH   SOLE   0 0 4,808
ISHARES TR IBONDS SEP2020 46434V571 340 13,293 SH   SOLE   0 0 13,293
ISHARES TR IBONDS DEC2021 46435G789 233 9,050 SH   SOLE   0 0 9,050
JOHNSON & JOHNSON COM 478160104 2,849 20,457 SH   SOLE   0 0 20,457
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 2,064 37,112 SH   SOLE   0 0 37,112
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 289 5,738 SH   SOLE   0 0 5,738
JPMORGAN CHASE & CO COM 46625H100 1,373 12,283 SH   SOLE   0 0 12,283
LEGG MASON ETF INVESTMENT TR WESTN ASET TTL 52468L810 518 19,105 SH   SOLE   0 0 19,105
LILLY ELI & CO COM 532457108 266 2,399 SH   SOLE   0 0 2,399
MCCORMICK & CO INC COM NON VTG 579780206 371 2,394 SH   SOLE   0 0 2,394
MCDONALDS CORP COM 580135101 309 1,490 SH   SOLE   0 0 1,490
MERCK & CO INC COM 58933Y105 721 8,602 SH   SOLE   0 0 8,602
MICROSOFT CORP COM 594918104 594 4,435 SH   SOLE   0 0 4,435
MORGAN STANLEY COM NEW 617446448 250 5,698 SH   SOLE   0 0 5,698
NEW JERSEY RES COM 646025106 260 5,233 SH   SOLE   0 0 5,233
PEPSICO INC COM 713448108 374 2,850 SH   SOLE   0 0 2,850
PFIZER INC COM 717081103 897 20,705 SH   SOLE   0 0 20,705
PROCTER AND GAMBLE CO COM 742718109 968 8,824 SH   SOLE   0 0 8,824
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 767 13,039 SH   SOLE   0 0 13,039
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,099 15,588 SH   SOLE   0 0 15,588
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,431 37,970 SH   SOLE   0 0 37,970
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 40,688 766,684 SH   SOLE   0 0 766,684
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 304 9,484 SH   SOLE   0 0 9,484
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 34,588 629,322 SH   SOLE   0 0 629,322
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18,628 368,207 SH   SOLE   0 0 368,207
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 6,081 96,407 SH   SOLE   0 0 96,407
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,052 3,591 SH   SOLE   0 0 3,591
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 656 13,415 SH   SOLE   0 0 13,415
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 934 19,026 SH   SOLE   0 0 19,026
TRAVELERS COMPANIES INC COM 89417E109 236 1,577 SH   SOLE   0 0 1,577
UNION PACIFIC CORP COM 907818108 305 1,803 SH   SOLE   0 0 1,803
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 2,713 54,529 SH   SOLE   0 0 54,529
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,205 38,579 SH   SOLE   0 0 38,579
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 522 9,118 SH   SOLE   0 0 9,118
VANGUARD GROUP DIV APP ETF 921908844 2,969 25,779 SH   SOLE   0 0 25,779
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,470 12,396 SH   SOLE   0 0 12,396
VANGUARD INDEX FDS TOTAL STK MKT 922908769 109,114 726,994 SH   SOLE   0 0 726,994
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 224 3,394 SH   SOLE   0 0 3,394
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 322 5,866 SH   SOLE   0 0 5,866
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 926 11,480 SH   SOLE   0 0 11,480
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 444 10,641 SH   SOLE   0 0 10,641
VANGUARD WORLD FD MEGA GRWTH IND 921910816 215 1,664 SH   SOLE   0 0 1,664
VERIZON COMMUNICATIONS INC COM 92343V104 304 5,323 SH   SOLE   0 0 5,323
VISA INC COM CL A 92826C839 333 1,918 SH   SOLE   0 0 1,918
WISDOMTREE TR US MIDCAP FUND 97717W570 1,128 28,205 SH   SOLE   0 0 28,205