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
AT&T INC COM COM 00206R102 1,131 39,680 SH   SOLE   0 0 0
ABBOTT LABS COM COM 002824100 425 3,901 SH   SOLE   0 0 0
ABBVIE INC COM COM 00287Y109 291 3,318 SH   SOLE   0 0 0
ACCELERON PHARMA INC COM COM 00434H108 428 3,800 SH   SOLE   0 0 0
ALIBABA GROUP HLDG L SPONSORED ADS ADR 01609W102 516 1,754 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL C COM 02079K107 1,426 970 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL A COM 02079K305 484 330 SH   SOLE   0 0 0
ALTRIA GROUP INC COM COM 02209S103 503 13,018 SH   SOLE   0 0 0
AMARIN CORP PLC SPONS ADR NEW ADR 023111206 43 10,300 SH   SOLE   0 0 0
AMAZON COM INC COM COM 023135106 1,477 469 SH   SOLE   0 0 0
AMERICAN TOWER CORP COM COM 03027X100 293 1,211 SH   SOLE   0 0 0
AMETEK INC COM COM 031100100 242 2,430 SH   SOLE   0 0 0
AMGEN INC COM COM 031162100 425 1,672 SH   SOLE   0 0 0
APPLE INC COM COM 037833100 10,600 91,533 SH   SOLE   0 0 0
APPLIED MATLS INC COM COM 038222105 469 7,884 SH   SOLE   0 0 0
ARES CAPITAL CORP COM COM 04010L103 162 11,601 SH   SOLE   0 0 0
ASPEN AEROGELS INC COM COM 04523Y105 642 58,586 SH   SOLE   0 0 0
ASPIRA WOMENS HEALTH COM COM 04537Y109 37 12,000 SH   SOLE   0 0 0
AUTOMATIC DATA PROCE COM COM 053015103 362 2,595 SH   SOLE   0 0 0
BGC PARTNERS INC CL A COM 05541T101 28 11,460 SH   SOLE   0 0 0
BAIN CAP SPECIALTY F COM STK COM 05684B107 125 12,301 SH   SOLE   0 0 0
BK OF AMERICA CORP COM COM 060505104 437 18,139 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY I CL B NEW COM 084670702 1,843 8,657 SH   SOLE   0 0 0
BLACKROCK INVT QUALI COM COM 09247D105 160 10,213 SH   SOLE   0 0 0
BLACKROCK INC COM COM 09247X101 243 431 SH   SOLE   0 0 0
BLACKSTONE GROUP INC COM CL A COM 09260D107 3,957 75,801 SH   SOLE   0 0 0
BLUEBIRD BIO INC COM COM 09609G100 540 10,000 SH   SOLE   0 0 0
BOEING CO COM COM 097023105 289 1,749 SH   SOLE   0 0 0
BRISTOL-MYERS SQUIBB COM COM 110122108 56,439 936,133 SH   SOLE   0 0 0
BRISTOL-MYERS SQUIBB RIGHT 99/99/9999 RIGHT 110122157 2,813 1,250,379 SH   SOLE   0 0 0
BROADCOM INC COM COM 11135F101 568 1,559 SH   SOLE   0 0 0
CABOT OIL &GAS CORP COM COM 127097103 365 21,000 SH   SOLE   0 0 0
CATERPILLAR INC DEL COM COM 149123101 270 1,810 SH   SOLE   0 0 0
CEVA INC COM COM 157210105 394 10,000 SH   SOLE   0 0 0
CHEVRON CORP NEW COM COM 166764100 227 3,156 SH   SOLE   0 0 0
CISCO SYS INC COM COM 17275R102 512 12,994 SH   SOLE   0 0 0
COCA COLA CO COM COM 191216100 1,647 33,363 SH   SOLE   0 0 0
COMCAST CORP NEW CL A COM 20030N101 822 17,759 SH   SOLE   0 0 0
CONOCOPHILLIPS COM COM 20825C104 228 6,943 SH   SOLE   0 0 0
CONTINENTAL RES INC COM COM 212015101 442 36,000 SH   SOLE   0 0 0
DBX ETF TR XTRACK MSCI EAFE ETF 233051200 802 26,198 SH   SOLE   0 0 0
DISNEY WALT CO COM DISNEY COM 254687106 321 2,584 SH   SOLE   0 0 0
DOW INC COM COM 260557103 269 5,724 SH   SOLE   0 0 0
DUKE ENERGY CORP NEW COM NEW COM 26441C204 259 2,927 SH   SOLE   0 0 0
DUPONT DE NEMOURS IN COM COM 26614N102 249 4,495 SH   SOLE   0 0 0
EQT CORP COM COM 26884L109 356 27,500 SH   SOLE   0 0 0
ECOLAB INC COM COM 278865100 360 1,800 SH   SOLE   0 0 0
EGAIN CORP COM NEW COM 28225C806 425 30,000 SH   SOLE   0 0 0
EMERSON ELEC CO COM COM 291011104 317 4,836 SH   SOLE   0 0 0
EQUITRANS MIDSTREAM COM COM 294600101 430 50,792 SH   SOLE   0 0 0
ESSENTIAL UTILS INC COM COM 29670G102 300 7,447 SH   SOLE   0 0 0
EXXON MOBIL CORP COM COM 30231G102 1,406 40,957 SH   SOLE   0 0 0
FACEBOOK INC CL A COM 30303M102 1,486 5,672 SH   SOLE   0 0 0
FIRST MERCHANTS CORP COM COM 320817109 1,442 62,251 SH   SOLE   0 0 0
FORD MTR CO DEL COM COM 345370860 69 10,300 SH   SOLE   0 0 0
GALLAGHER ARTHUR J & COM COM 363576109 545 5,164 SH   SOLE   0 0 0
GENERAL ELECTRIC CO COM COM 369604103 91 14,591 SH   SOLE   0 0 0
GENERAL MLS INC COM COM 370334104 439 7,121 SH   SOLE   0 0 0
INVESCO QQQ TR UNIT SER 1 ETF 46090E103 1,588 5,715 SH   SOLE   0 0 0
HOME DEPOT INC COM COM 437076102 715 2,576 SH   SOLE   0 0 0
IDEXX LABS INC COM COM 45168D104 998 2,538 SH   SOLE   0 0 0
INTEL CORP COM COM 458140100 648 12,506 SH   SOLE   0 0 0
INTERCONTINENTAL EXC COM COM 45866F104 613 6,128 SH   SOLE   0 0 0
INTERNATIONAL BUSINE COM COM 459200101 506 4,158 SH   SOLE   0 0 0
INVESCO ACTIVELY MAN ULTRA SHRT DUR COM 46090A887 338 6,683 SH   SOLE   0 0 0
INVESCO EXCHANGE TRA S&P MDCP400 PR COM 46137V217 268 1,589 SH   SOLE   0 0 0
INVESCO EXCHANGE TRA S&P500 QUALITY COM 46137V241 399 10,324 SH   SOLE   0 0 0
INVESCO EXCH TRADED S&P500 LOW VOL COM 46138E354 1,880 35,045 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2020 CB ETF 46138J502 5,670 267,206 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2020 HY ETF 46138J601 3,307 141,563 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2021 CB ETF 46138J700 6,363 298,447 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2021 HY ETF 46138J809 2,979 129,876 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2025 HY ETF 46138J817 220 9,379 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2025 CB ETF 46138J825 1,483 66,362 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2024 HY ETF 46138J833 962 39,893 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2024 CB ETF 46138J841 3,201 144,338 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2023 HY ETF 46138J858 2,686 109,507 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2023 CB ETF 46138J866 5,975 274,229 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2022 HY ETF 46138J874 3,294 144,106 SH   SOLE   0 0 0
INVESCO EXCH TRD SLF BULSHS 2022 CB ETF 46138J882 7,080 324,197 SH   SOLE   0 0 0
ISHARES TR S&P 100 ETF ETF 464287101 2,595 16,666 SH   SOLE   0 0 0
ISHARES TR SELECT DIVID ETF ETF 464287168 5,958 73,065 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF ETF 464287200 4,310 12,827 SH   SOLE   0 0 0
ISHARES TR MSCI EMG MKT ETF ETF 464287234 332 7,528 SH   SOLE   0 0 0
ISHARES TR S&P 500 GRWT ETF ETF 464287309 42,596 184,333 SH   SOLE   0 0 0
ISHARES TR S&P 500 VAL ETF ETF 464287408 25,091 223,132 SH   SOLE   0 0 0
ISHARES TR 1 3 YR TREAS BD ETF 464287457 1,133 13,097 SH   SOLE   0 0 0
ISHARES TR MSCI EAFE ETF ETF 464287465 3,263 51,258 SH   SOLE   0 0 0
ISHARES TR RUS MDCP VAL ETF ETF 464287473 1,419 17,559 SH   SOLE   0 0 0
ISHARES TR RUS MD CP GR ETF ETF 464287481 1,593 9,212 SH   SOLE   0 0 0
ISHARES TR RUS MID CAP ETF ETF 464287499 212 3,700 SH   SOLE   0 0 0
ISHARES TR CORE S&P MCP ETF ETF 464287507 1,001 5,403 SH   SOLE   0 0 0
ISHARES TR RUS 1000 VAL ETF ETF 464287598 2,779 23,528 SH   SOLE   0 0 0
ISHARES TR RUS 1000 GRW ETF ETF 464287614 2,455 11,321 SH   SOLE   0 0 0
ISHARES TR RUS 1000 ETF ETF 464287622 2,532 13,529 SH   SOLE   0 0 0
ISHARES TR RUS 2000 VAL ETF ETF 464287630 367 3,694 SH   SOLE   0 0 0
ISHARES TR RUS 2000 GRW ETF ETF 464287648 483 2,180 SH   SOLE   0 0 0
ISHARES TR RUSSELL 2000 ETF ETF 464287655 1,371 9,151 SH   SOLE   0 0 0
ISHARES TR CORE S&P SCP ETF ETF 464287804 1,034 14,730 SH   SOLE   0 0 0
ISHARES TR MSCI ACWI ETF ETF 464288257 258 3,225 SH   SOLE   0 0 0
ISHARES TR EAFE SML CP ETF ETF 464288273 236 4,008 SH   SOLE   0 0 0
ISHARES TR INTL SEL DIV ETF ETF 464288448 2,383 95,593 SH   SOLE   0 0 0
ISHARES TR PFD AND INCM SEC ETF 464288687 248 6,791 SH   SOLE   0 0 0
ISHARES TR MICRO-CAP ETF ETF 464288869 407 4,504 SH   SOLE   0 0 0
ISHARES INC MSCI GBL GOLD MN ETF 46434G855 294 8,988 SH   SOLE   0 0 0
ISHARES TR CORE DIV GRWTH ETF 46434V621 574 14,435 SH   SOLE   0 0 0
ISHARES TR IBONDS DEC25 ETF ETF 46434VBD1 333 12,261 SH   SOLE   0 0 0
JPMORGAN CHASE &CO COM COM 46625H100 2,795 29,033 SH   SOLE   0 0 0
J P MORGAN EXCHANGE- ULTRA SHT MUNCPL COM 46641Q654 8,139 159,611 SH   SOLE   0 0 0
J P MORGAN EXCHANGE- ULTRA SHRT INC COM 46641Q837 3,547 69,818 SH   SOLE   0 0 0
JOHNSON &JOHNSON COM COM 478160104 6,362 42,730 SH   SOLE   0 0 0
KKR &CO INC COM COM 48251W104 4,509 131,303 SH   SOLE   0 0 0
KEARNY FINL CORP MD COM COM 48716P108 230 31,912 SH   SOLE   0 0 0
KIMBERLY CLARK CORP COM COM 494368103 289 1,955 SH   SOLE   0 0 0
LAM RESEARCH CORP COM COM 512807108 1,012 3,050 SH   SOLE   0 0 0
LLOYDS BANKING GROUP ADR 4 ORD ADR 539439109 26 20,187 SH   SOLE   0 0 0
MAXIM INTEGRATED PRO COM COM 57772K101 319 4,715 SH   SOLE   0 0 0
MERCK &CO. INC COM COM 58933Y105 1,838 22,153 SH   SOLE   0 0 0
MICROSOFT CORP COM COM 594918104 5,991 28,484 SH   SOLE   0 0 0
NETFLIX INC COM COM 64110L106 338 675 SH   SOLE   0 0 0
NIKE INC CL B COM 654106103 345 2,750 SH   SOLE   0 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109 507 5,832 SH   SOLE   0 0 0
ORACLE CORP COM COM 68389X105 200 3,352 SH   SOLE   0 0 0
OUTLOOK THERAPEUTICS INC COM NEW COM 69012T206 11 15,452 SH   SOLE   0 0 0
PNC FINL SVCS GROUP COM COM 693475105 278 2,526 SH   SOLE   0 0 0
RAYTHEON TECHNOLOGIE COM COM 75513E101 273 4,747 SH   SOLE   0 0 0
PARK NATL CORP COM COM 700658107 528 6,438 SH   SOLE   0 0 0
PAYPAL HLDGS INC COM COM 70450Y103 328 1,665 SH   SOLE   0 0 0
PEPSICO INC COM COM 713448108 1,190 8,582 SH   SOLE   0 0 0
PFIZER INC COM COM 717081103 1,412 38,484 SH   SOLE   0 0 0
PHATHOM PHARMACEUTIC COM COM 71722W107 598 16,300 SH   SOLE   0 0 0
PHILIP MORRIS INTL I COM COM 718172109 388 5,174 SH   SOLE   0 0 0
PIONEER NAT RES CO COM COM 723787107 396 4,600 SH   SOLE   0 0 0
POOL CORP COM COM 73278L105 336 1,003 SH   SOLE   0 0 0
PROCTER AND GAMBLE C COM COM 742718109 796 5,730 SH   SOLE   0 0 0
PROSHARES TR DJ BRKFLD GLB ETF 74347B508 699 18,251 SH   SOLE   0 0 0
PUBLIC SVC ENTERPRIS COM COM 744573106 411 7,481 SH   SOLE   0 0 0
QUALCOMM INC COM COM 747525103 273 2,322 SH   SOLE   0 0 0
QUIDEL CORP COM COM 74838J101 1,622 7,394 SH   SOLE   0 0 0
RPM INTL INC COM COM 749685103 3,127 37,744 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT ETF 78462F103 11,431 34,134 SH   SOLE   0 0 0
SPDR GOLD TR GOLD SHS ETF 78463V107 1,168 6,595 SH   SOLE   0 0 0
SPDR SER TR PRTFLO S&P500 GW ETF 78464A409 694 13,847 SH   SOLE   0 0 0
SPDR SER TR S&P DIVID ETF ETF 78464A763 1,026 11,101 SH   SOLE   0 0 0
SPDR DOW JONES INDL UT SER 1 COM 78467X109 1,730 6,233 SH   SOLE   0 0 0
SELECT SECTOR SPDR T SBI HEALTHCARE COM 81369Y209 305 2,890 SH   SOLE   0 0 0
SOUTH JERSEY INDUSTRIES COM 838518108 525 27,256 SH   SOLE   0 0 0
SQUARE INC CL A COM 852234103 680 4,183 SH   SOLE   0 0 0
STANLEY BLACK &DECKE COM COM 854502101 328 2,021 SH   SOLE   0 0 0
STARBUCKS CORP COM COM 855244109 293 3,409 SH   SOLE   0 0 0
TAKE-TWO INTERACTIVE COM COM 874054109 201 1,219 SH   SOLE   0 0 0
TESLA INC COM COM 88160R101 1,353 3,153 SH   SOLE   0 0 0
TETRA TECH INC NEW COM COM 88162G103 222 2,325 SH   SOLE   0 0 0
TEXAS INSTRS INC COM COM 882508104 344 2,407 SH   SOLE   0 0 0
TG THERAPEUTICS INC COM COM 88322Q108 409 15,300 SH   SOLE   0 0 0
3M CO COM COM 88579Y101 829 5,172 SH   SOLE   0 0 0
TONIX PHARMACEUTICALS HLDG COR COM COM 890260706 9 10,600 SH   SOLE   0 0 0
TRUIST FINL CORP COM COM 89832Q109 277 7,289 SH   SOLE   0 0 0
UNION PAC CORP COM COM 907818108 223 1,134 SH   SOLE   0 0 0
UNITED PARCEL SERVIC CL B COM 911312106 494 2,967 SH   SOLE   0 0 0
VANECK VECTORS ETF TR JR GOLD MINERS E ETF 92189F791 334 6,026 SH   SOLE   0 0 0
VANGUARD SPECIALIZED DIV APP ETF ETF 921908844 581 4,515 SH   SOLE   0 0 0
VANGUARD ADMIRAL FDS 500 GRTH IDX F COM 921932505 1,213 5,818 SH   SOLE   0 0 0
VANGUARD ADMIRAL FDS 500 VAL IDX FD ETF 921932703 1,432 13,151 SH   SOLE   0 0 0
VANGUARD BD INDEX FD SHORT TRM BOND ETF 921937827 687 8,278 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT ETF 921937835 849 9,623 SH   SOLE   0 0 0
VANGUARD TAX-MANAGED FTSE DEV MKT ETF ETF 921943858 38,749 947,420 SH   SOLE   0 0 0
VANGUARD INTL EQUITY TT WRLD ST ETF ETF 922042742 446 5,528 SH   SOLE   0 0 0
VANGUARD INTL EQUITY ALLWRLD EX US COM 922042775 525 10,402 SH   SOLE   0 0 0
VANGUARD INTL EQUITY FTSE EMR MKT ETF ETF 922042858 234 5,416 SH   SOLE   0 0 0
VANGUARD WORLD FDS INF TECH ETF ETF 92204A702 749 2,404 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE SHRT TRM CORP BD COM 92206C409 964 11,635 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS ETF 922908363 341 1,108 SH   SOLE   0 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP ETF 922908538 224 1,245 SH   SOLE   0 0 0
VANGUARD INDEX FDS REAL ESTATE ETF ETF 922908553 378 4,793 SH   SOLE   0 0 0
VANGUARD INDEX FDS SM CP VAL ETF ETF 922908611 220 1,992 SH   SOLE   0 0 0
VANGUARD INDEX FDS LARGE CAP ETF ETF 922908637 588 3,756 SH   SOLE   0 0 0
VANGUARD INDEX FDS EXTEND MKT ETF ETF 922908652 41,398 319,131 SH   SOLE   0 0 0
VANGUARD INDEX FDS GROWTH ETF ETF 922908736 201 885 SH   SOLE   0 0 0
VANGUARD INDEX FDS VALUE ETF ETF 922908744 837 8,005 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT ETF 922908769 1,880 11,036 SH   SOLE   0 0 0
VERIZON COMMUNICATIO COM COM 92343V104 871 14,638 SH   SOLE   0 0 0
VISA INC COM CL A COM 92826C839 239 1,194 SH   SOLE   0 0 0
WEC ENERGY GROUP INC COM COM 92939U106 782 8,073 SH   SOLE   0 0 0
WELLS FARGO CO NEW COM COM 949746101 237 10,079 SH   SOLE   0 0 0
CHUBB LIMITED COM COM H1467J104 209 1,798 SH   SOLE   0 0 0
GARMIN LTD SHS COM H2906T109 285 3,000 SH   SOLE   0 0 0