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
ALPHABET INC CAP STK CL C 02079K107 298 240 SH   SOLE   0 0 240
ALPHABET INC CAP STK CL A 02079K305 291 234 SH   SOLE   0 0 234
AMAZON COM INC COM 023135106 1,155 664 SH   SOLE   0 0 664
APPLE INC COM 037833100 1,849 8,407 SH   SOLE   0 0 8,407
AT&T INC COM 00206R102 329 8,808 SH   SOLE   0 0 8,808
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 512 2,474 SH   SOLE   0 0 2,474
COCA COLA CO COM 191216100 400 7,359 SH   SOLE   0 0 7,359
COSTCO WHSL CORP NEW COM 22160K105 227 786 SH   SOLE   0 0 786
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 976 25,479 SH   SOLE   0 0 25,479
DISNEY WALT CO COM DISNEY 254687106 250 1,908 SH   SOLE   0 0 1,908
EXXON MOBIL CORP COM 30231G102 1,343 18,927 SH   SOLE   0 0 18,927
FACEBOOK INC CL A 30303M102 245 1,363 SH   SOLE   0 0 1,363
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 255 4,916 SH   SOLE   0 0 4,916
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 3,008 50,157 SH   SOLE   0 0 50,157
HOME DEPOT INC COM 437076102 202 879 SH   SOLE   0 0 879
HONEYWELL INTL INC COM 438516106 616 3,685 SH   SOLE   0 0 3,685
INNOVATOR ETFS TR S&P 500 PWR 45782C656 1,191 47,882 SH   SOLE   0 0 47,882
INNOVATOR ETFS TR S&P 500 PWR BU 45782C680 963 38,231 SH   SOLE   0 0 38,231
INNOVATOR ETFS TR S&P 500 PWR 45782C813 1,252 48,031 SH   SOLE   0 0 48,031
INTEL CORP COM 458140100 311 6,114 SH   SOLE   0 0 6,114
INTERNATIONAL BUSINESS MACHS COM 459200101 317 2,206 SH   SOLE   0 0 2,206
INVESCO EXCH TRD SLF IDX FD BULSHS 2019 CB 46138J304 217 10,311 SH   SOLE   0 0 10,311
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 CB 46138J502 1,164 54,670 SH   SOLE   0 0 54,670
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 998 47,056 SH   SOLE   0 0 47,056
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 887 41,542 SH   SOLE   0 0 41,542
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 918 43,199 SH   SOLE   0 0 43,199
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,011 47,166 SH   SOLE   0 0 47,166
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 1,164 19,892 SH   SOLE   0 0 19,892
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 21,919 378,175 SH   SOLE   0 0 378,175
ISHARES INC MIN VOL EMRG MKT 464286533 575 10,052 SH   SOLE   0 0 10,052
ISHARES TR CORE S&P TTL STK 464287150 1,114 16,569 SH   SOLE   0 0 16,569
ISHARES TR CORE S&P500 ETF 464287200 507 1,698 SH   SOLE   0 0 1,698
ISHARES TR CORE US AGGBD ET 464287226 290 2,568 SH   SOLE   0 0 2,568
ISHARES TR S&P 500 GRWT ETF 464287309 244 1,348 SH   SOLE   0 0 1,348
ISHARES TR S&P 500 VAL ETF 464287408 204 1,714 SH   SOLE   0 0 1,714
ISHARES TR MSCI EAFE ETF 464287465 1,267 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 320 4,090 SH   SOLE   0 0 4,090
ISHARES TR EAFE SML CP ETF 464288273 302 5,275 SH   SOLE   0 0 5,275
ISHARES TR MODERT ALLOC ETF 464289875 8,403 213,988 SH   SOLE   0 0 213,988
ISHARES TR CORE HIGH DV ETF 46429B663 1,354 14,431 SH   SOLE   0 0 14,431
ISHARES TR MIN VOL EAFE ETF 46429B689 1,584 21,528 SH   SOLE   0 0 21,528
ISHARES TR USA QUALITY FCTR 46432F339 3,655 39,625 SH   SOLE   0 0 39,625
ISHARES TR EDGE MSCI USA VL 46432F388 1,903 23,194 SH   SOLE   0 0 23,194
ISHARES TR USA MOMENTUM FCT 46432F396 2,829 23,616 SH   SOLE   0 0 23,616
ISHARES TR CORE 1 5 YR USD 46432F859 1,435 28,447 SH   SOLE   0 0 28,447
ISHARES TR MULTIFACTOR INTL 46434V274 25,314 992,303 SH   SOLE   0 0 992,303
ISHARES TR 0-5YR HI YL CP 46434V407 223 4,796 SH   SOLE   0 0 4,796
ISHARES TR IBONDS SEP2020 46434V571 279 10,923 SH   SOLE   0 0 10,923
ISHARES TR IBONDS DEC2022 46435G755 236 9,019 SH   SOLE   0 0 9,019
ISHARES TR IBONDS DEC2021 46435G789 233 9,050 SH   SOLE   0 0 9,050
JOHNSON & JOHNSON COM 478160104 2,538 19,700 SH   SOLE   0 0 19,700
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 2,109 40,052 SH   SOLE   0 0 40,052
JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 27,998 554,419 SH   SOLE   0 0 554,419
JPMORGAN CHASE & CO COM 46625H100 1,411 12,059 SH   SOLE   0 0 12,059
LEGG MASON ETF INVESTMENT TR WESTN ASET TTL 52468L810 587 21,522 SH   SOLE   0 0 21,522
LILLY ELI & CO COM 532457108 256 2,292 SH   SOLE   0 0 2,292
MCCORMICK & CO INC COM NON VTG 579780206 385 2,395 SH   SOLE   0 0 2,395
MCDONALDS CORP COM 580135101 305 1,437 SH   SOLE   0 0 1,437
MERCK & CO INC COM 58933Y105 676 8,056 SH   SOLE   0 0 8,056
MICROSOFT CORP COM 594918104 560 4,013 SH   SOLE   0 0 4,013
MORGAN STANLEY COM NEW 617446448 243 5,698 SH   SOLE   0 0 5,698
NEW JERSEY RES COM 646025106 236 5,234 SH   SOLE   0 0 5,234
PEPSICO INC COM 713448108 373 2,747 SH   SOLE   0 0 2,747
PFIZER INC COM 717081103 710 19,837 SH   SOLE   0 0 19,837
PROCTER & GAMBLE CO COM 742718109 1,077 8,660 SH   SOLE   0 0 8,660
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 812 13,037 SH   SOLE   0 0 13,037
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 2,162 57,067 SH   SOLE   0 0 57,067
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 40,999 753,240 SH   SOLE   0 0 753,240
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 35,292 636,230 SH   SOLE   0 0 636,230
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 18,549 366,870 SH   SOLE   0 0 366,870
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 6,573 104,091 SH   SOLE   0 0 104,091
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,066 3,591 SH   SOLE   0 0 3,591
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 690 14,095 SH   SOLE   0 0 14,095
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 941 19,140 SH   SOLE   0 0 19,140
TRAVELERS COMPANIES INC COM 89417E109 226 1,528 SH   SOLE   0 0 1,528
UNION PACIFIC CORP COM 907818108 283 1,728 SH   SOLE   0 0 1,728
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 3,105 61,727 SH   SOLE   0 0 61,727
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 3,620 42,949 SH   SOLE   0 0 42,949
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 537 9,118 SH   SOLE   0 0 9,118
VANGUARD GROUP DIV APP ETF 921908844 3,240 27,111 SH   SOLE   0 0 27,111
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,157 9,891 SH   SOLE   0 0 9,891
VANGUARD INDEX FDS TOTAL STK MKT 922908769 108,782 719,460 SH   SOLE   0 0 719,460
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 222 4,151 SH   SOLE   0 0 4,151
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 932 11,516 SH   SOLE   0 0 11,516
VANGUARD STAR FD VG TL INTL STK F 921909768 205 3,955 SH   SOLE   0 0 3,955
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 447 10,876 SH   SOLE   0 0 10,876
VERIZON COMMUNICATIONS INC COM 92343V104 317 5,238 SH   SOLE   0 0 5,238
VISA INC COM CL A 92826C839 318 1,811 SH   SOLE   0 0 1,811