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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ABBVIE INCCOM00287Y10925,027231,260SH SOLE 00231,260
AFLAC INCCOM0010551023176,201SH SOLE 006,201
ALPHABET INCCAP STK CL A02079K305239116SH SOLE 00116
ALPHABET INCCAP STK CL C02079K10718,2728,833SH SOLE 008,833
AMAZON COM INCCOM023135106780252SH SOLE 00252
AMERICAN EXPRESS COCOM0258161094052,863SH SOLE 002,863
AMGEN INCCOM0311621004,13816,633SH SOLE 0016,633
APPLE INCCOM03783310014,727120,564SH SOLE 00120,564
AT&T INCCOM00206R10210,962362,133SH SOLE 00362,133
BECTON DICKINSON & COCOM0758871094,72119,417SH SOLE 0019,417
BERKSHIRE HATHAWAY INC DELCL B NEW0846707026972,730SH SOLE 002,730
BOEING COCOM0970231053381,325SH SOLE 001,325
BRISTOL-MYERS SQUIBB COCOM1101221085158,162SH SOLE 008,162
CAPITAL ONE FINL CORPCOM14040H1056,11548,060SH SOLE 0048,060
CHEVRON CORP NEWCOM16676410013,516128,986SH SOLE 00128,986
CINEDIGM CORPCOM NEW1724062092112,365SH SOLE 0012,365
CISCO SYS INCCOM17275R10224,645476,601SH SOLE 00476,601
COCA COLA COCOM19121610020,091381,165SH SOLE 00381,165
COLGATE PALMOLIVE COCOM1941621032092,650SH SOLE 002,650
COMCAST CORP NEWCL A20030N10117,542324,198SH SOLE 00324,198
COMPUGEN LTDORDM25722105919107,000SH SOLE 00107,000
CONSOLIDATED EDISON INCCOM2091151048,221109,901SH SOLE 00109,901
CVS HEALTH CORPCOM12665010025,776342,634SH SOLE 00342,634
DUKE ENERGY CORP NEWCOM NEW26441C2047,73680,144SH SOLE 0080,144
EBAY INC.COM27864210311,204182,946SH SOLE 00182,946
EXXON MOBIL CORPCOM30231G10256310,086SH SOLE 0010,086
FACEBOOK INCCL A30303M10212,45142,275SH SOLE 0042,275
FEDEX CORPCOM31428X10613,94049,079SH SOLE 0049,079
FISERV INCCOM3377381085,76748,444SH SOLE 0048,444
GENERAL DYNAMICS CORPCOM3695501083,95721,794SH SOLE 0021,794
GENERAL MLS INCCOM3703341049,094148,304SH SOLE 00148,304
GILEAD SCIENCES INCCOM37555810322,667350,715SH SOLE 00350,715
GOLDMAN SACHS GROUP INCCOM38141G10414,24343,558SH SOLE 0043,558
INVESCO QQQ TRUNIT SER 146090E1033341,045SH SOLE 001,045
ISHARES INCCORE MSCI EMKT46434G1033174,923SH SOLE 004,923
ISHARES TR1 3 YR TREAS BD4642874571,13313,134SH SOLE 0013,134
ISHARES TR3 7 YR TREAS BD4642886612361,820SH SOLE 001,820
ISHARES TRCORE 1 5 YR USD46432F8592,97758,051SH SOLE 0058,051
ISHARES TRCORE S&P500 ETF4642872006721,690SH SOLE 001,690
ISHARES TRISHS 1-5YR INVS4642886461,88434,462SH SOLE 0034,462
ISHARES TRISHS 5-10YR INVT4642886383135,283SH SOLE 005,283
ISHARES TRMSCI EAFE ETF4642874652,16628,545SH SOLE 0028,545
ISHARES TRRUS 1000 GRW ETF4642876143001,236SH SOLE 001,236
ISHARES TRRUSSELL 2000 ETF4642876551,6347,396SH SOLE 007,396
ISHARES TRSHRT NAT MUN ETF4642881581,50913,996SH SOLE 0013,996
J P MORGAN EXCHANGE-TRADED FULTRA SHRT INC46641Q8375,367105,734SH SOLE 00105,734
J P MORGAN EXCHANGE-TRADED FULTRA SHT MUNCPL46641Q6543,18362,362SH SOLE 0062,362
JOHNSON & JOHNSONCOM4781601046964,235SH SOLE 004,235
JPMORGAN CHASE & COCOM46625H10032,912216,200SH SOLE 00216,200
KELLOGG COCOM48783610823,062364,330SH SOLE 00364,330
KIMBERLY-CLARK CORPCOM4943681039,07065,227SH SOLE 0065,227
L3HARRIS TECHNOLOGIES INCCOM5024311094,84423,899SH SOLE 0023,899
LAKELAND BANCORP INCCOM51163710046826,876SH SOLE 0026,876
LONGEVERON INCCOM54303L10419830,000SH SOLE 0030,000
M & T BK CORPCOM55261F1047,43249,023SH SOLE 0049,023
MERCK & CO. INCCOM58933Y10510,937141,878SH SOLE 00141,878
METLIFE INCCOM59156R1084,57375,230SH SOLE 0075,230
MICROSOFT CORPCOM59491810438,494163,269SH SOLE 00163,269
MONDELEZ INTL INCCL A6092071057,996136,606SH SOLE 00136,606
MORGAN STANLEYCOM NEW61744644812,485160,767SH SOLE 00160,767
PEPSICO INCCOM71344810816,078113,668SH SOLE 00113,668
PIMCO ETF TRINTER MUN BD ACT72201R8665018,915SH SOLE 008,915
PINNACLE WEST CAP CORPCOM72348410119,025233,867SH SOLE 00233,867
PNC FINL SVCS GROUP INCCOM69347510511,07163,117SH SOLE 0063,117
PROCTER AND GAMBLE COCOM7427181094663,440SH SOLE 003,440
QUALCOMM INCCOM74752510318,001135,761SH SOLE 00135,761
SCHLUMBERGER LTDCOM8068571083,827140,761SH SOLE 00140,761
SPDR S&P MIDCAP 400 ETF TRUTSER1 S&PDCRP78467Y1072,4685,185SH SOLE 005,185
SPDR SER TRS&P DIVID ETF78464A7634503,809SH SOLE 003,809
STATE STR CORPCOM85747710311,642138,583SH SOLE 00138,583
TE CONNECTIVITY LTDREG SHSH8498910412,75598,793SH SOLE 0098,793
TESLA INCCOM88160R1016971,043SH SOLE 001,043
THERMO FISHER SCIENTIFIC INCCOM8835561029,96221,829SH SOLE 0021,829
TRUIST FINL CORPCOM89832Q10921,283364,939SH SOLE 00364,939
UNILEVER PLCSPON ADR NEW9047677044207,518SH SOLE 007,518
UNITED PARCEL SERVICE INCCL B9113121064042,375SH SOLE 002,375
US BANCORP DELCOM NEW90297330423,066417,031SH SOLE 00417,031
VANGUARD BD INDEX FDSSHORT TRM BOND9219378272643,217SH SOLE 003,217
VANGUARD INDEX FDSGROWTH ETF9229087365352,081SH SOLE 002,081
VANGUARD INDEX FDSSMALL CP ETF9229087512181,019SH SOLE 001,019
VANGUARD INDEX FDSTOTAL STK MKT9229087696513,151SH SOLE 003,151
VANGUARD SPECIALIZED FUNDSDIV APP ETF9219088443832,604SH SOLE 002,604
VANGUARD TAX-MANAGED INTL FDFTSE DEV MKT ETF9219438583296,704SH SOLE 006,704
VANGUARD WHITEHALL FDSHIGH DIV YLD9219464062,13221,088SH SOLE 0021,088
VERIZON COMMUNICATIONS INCCOM92343V10412,185209,539SH SOLE 00209,539
VIACOMCBS INCCL B92556H2066,084134,898SH SOLE 00134,898
WALMART INCCOM9311421032421,783SH SOLE 001,783
WELLS FARGO CO NEWCOM9497461019,864252,472SH SOLE 00252,472
ZIMMER BIOMET HOLDINGS INCCOM98956P10210,43065,152SH SOLE 0065,152