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
APPLE INC COM 037833100 15,815 43,351 SH   SOLE   42,671 0 680
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 12,805 144,947 SH   SOLE   12,884 0 132,063
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 12,249 257,282 SH   SOLE   250,792 0 6,490
MICROSOFT CORP COM 594918104 10,728 52,714 SH   SOLE   52,114 0 600
ISHARES TR RUSSELL 2000 ETF 464287655 9,601 67,059 SH   SOLE   65,269 0 1,790
AMAZON COM INC COM 023135106 8,503 3,082 SH   SOLE   3,036 0 46
SPDR SER TR BLMBRG BRC CNVRT 78464A359 8,442 139,541 SH   SOLE   137,755 0 1,786
VISA INC COM CL A 92826C839 7,929 41,045 SH   SOLE   40,772 0 273
ISHARES TR RUS MID CAP ETF 464287499 7,302 136,233 SH   SOLE   130,718 0 5,515
ISHARES TR CORE S&P500 ETF 464287200 6,750 21,796 SH   SOLE   21,782 0 14
ISHARES TR MSCI EMG MKT ETF 464287234 6,106 152,698 SH   SOLE   148,418 0 4,280
MASTERCARD INCORPORATED CL A 57636Q104 5,703 19,287 SH   SOLE   18,795 0 492
STRYKER CORPORATION COM 863667101 5,573 30,927 SH   SOLE   30,214 0 713
ALPHABET INC CAP STK CL A 02079K305 5,155 3,635 SH   SOLE   3,520 0 115
AIR PRODS & CHEMS INC COM 009158106 5,044 20,890 SH   SOLE   20,690 0 200
ANTHEM INC COM 036752103 4,720 17,946 SH   SOLE   17,491 0 455
JPMORGAN CHASE & CO COM 46625H100 4,675 49,698 SH   SOLE   48,876 0 822
DISNEY WALT CO COM DISNEY 254687106 4,600 41,254 SH   SOLE   40,254 0 1,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,412 20,546 SH   SOLE   20,430 0 116
PEPSICO INC COM 713448108 4,345 32,854 SH   SOLE   32,232 0 622
AMGEN INC COM 031162100 3,920 16,620 SH   SOLE   16,429 0 191
TRUIST FINL CORP COM 89832Q109 3,776 100,566 SH   SOLE   97,269 0 3,297
ISHARES TR MSCI EAFE ETF 464287465 3,365 55,276 SH   SOLE   55,276 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,290 39,801 SH   SOLE   3,587 0 36,214
LOWES COS INC COM 548661107 3,180 23,534 SH   SOLE   23,209 0 325
ISHARES TR CORE S&P MCP ETF 464287507 3,153 17,733 SH   SOLE   17,648 0 85
ISHARES TR S&P MC 400VL ETF 464287705 3,097 23,297 SH   SOLE   22,857 0 440
TE CONNECTIVITY LTD REG SHS H84989104 2,995 36,727 SH   SOLE   36,377 0 350
DANAHER CORPORATION COM 235851102 2,863 16,190 SH   SOLE   15,140 0 1,050
ALLEGION PLC ORD SHS G0176J109 2,855 27,931 SH   SOLE   27,257 0 674
BK OF AMERICA CORP COM 060505104 2,847 119,883 SH   SOLE   116,326 0 3,557
CHEVRON CORP NEW COM 166764100 2,832 31,743 SH   SOLE   31,077 0 666
ARROW ELECTRS INC COM 042735100 2,797 40,724 SH   SOLE   39,093 0 1,631
PNC FINL SVCS GROUP INC COM 693475105 2,647 25,158 SH   SOLE   25,158 0 0
ALPHABET INC CAP STK CL C 02079K107 2,601 1,840 SH   SOLE   1,777 0 63
ORACLE CORP COM 68389X105 2,571 46,512 SH   SOLE   44,812 0 1,700
HOME DEPOT INC COM 437076102 2,482 9,910 SH   SOLE   9,910 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 2,465 9,954 SH   SOLE   9,804 0 150
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 2,370 20,025 SH   SOLE   19,925 0 100
LINDE PLC SHS G5494J103 2,365 11,149 SH   SOLE   10,929 0 220
FACEBOOK INC CL A 30303M102 2,354 10,365 SH   SOLE   10,250 0 115
HUNTSMAN CORP COM 447011107 2,347 130,606 SH   SOLE   126,831 0 3,775
AMERISOURCEBERGEN CORP COM 03073E105 2,327 23,093 SH   SOLE   22,893 0 200
UNILEVER PLC SPON ADR NEW 904767704 2,325 42,358 SH   SOLE   41,558 0 800
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,313 43,955 SH   SOLE   43,005 0 950
PULTE GROUP INC COM 745867101 2,182 64,117 SH   SOLE   62,917 0 1,200
THERMO FISHER SCIENTIFIC INC COM 883556102 2,159 5,958 SH   SOLE   5,873 0 85
EATON CORP PLC SHS G29183103 2,093 23,922 SH   SOLE   22,915 0 1,007
DOMINION ENERGY INC COM 25746U109 2,085 25,687 SH   SOLE   25,387 0 300
TRANE TECHNOLOGIES PLC SHS G8994E103 2,077 23,347 SH   SOLE   22,727 0 620
JOHNSON & JOHNSON COM 478160104 2,068 14,708 SH   SOLE   14,708 0 0
US BANCORP DEL COM NEW 902973304 2,000 54,306 SH   SOLE   52,956 0 1,350
VERIZON COMMUNICATIONS INC COM 92343V104 1,986 36,018 SH   SOLE   36,018 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,983 9,934 SH   SOLE   9,799 0 135
AT&T INC COM 00206R102 1,959 64,811 SH   SOLE   63,011 0 1,800
CONSTELLATION BRANDS INC CL A 21036P108 1,911 10,924 SH   SOLE   10,774 0 150
ABBOTT LABS COM 002824100 1,908 20,871 SH   SOLE   20,271 0 600
CARLISLE COS INC COM 142339100 1,879 15,704 SH   SOLE   15,393 0 311
CHUBB LIMITED COM H1467J104 1,833 14,473 SH   SOLE   13,827 0 646
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,745 14,617 SH   SOLE   14,505 0 112
S&P GLOBAL INC COM 78409V104 1,647 4,998 SH   SOLE   4,998 0 0
AMERICAN ELEC PWR CO INC COM 025537101 1,598 20,062 SH   SOLE   19,718 0 344
CVS HEALTH CORP COM 126650100 1,584 24,376 SH   SOLE   23,984 0 392
FIFTH THIRD BANCORP COM 316773100 1,568 81,343 SH   SOLE   78,953 0 2,390
HONEYWELL INTL INC COM 438516106 1,562 10,800 SH   SOLE   10,685 0 115
ROYAL BK CDA COM 780087102 1,558 22,974 SH   SOLE   22,974 0 0
D R HORTON INC COM 23331A109 1,530 27,584 SH   SOLE   27,284 0 300
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,489 24,162 SH   SOLE   24,162 0 0
PHILLIPS 66 COM 718546104 1,461 20,314 SH   SOLE   19,954 0 360
CONOCOPHILLIPS COM 20825C104 1,419 33,777 SH   SOLE   33,499 0 278
INTEL CORP COM 458140100 1,372 22,924 SH   SOLE   22,924 0 0
KEARNY FINL CORP MD COM 48716P108 1,366 166,946 SH   SOLE   59,452 0 107,494
NIKE INC CL B 654106103 1,348 13,752 SH   SOLE   13,591 0 161
ABBVIE INC COM 00287Y109 1,339 13,634 SH   SOLE   13,634 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,319 14,456 SH   SOLE   14,456 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,312 16,257 SH   SOLE   16,257 0 0
CAPITAL ONE FINL CORP COM 14040H105 1,311 20,945 SH   SOLE   20,515 0 430
PPL CORP COM 69351T106 1,243 48,102 SH   SOLE   46,923 0 1,179
PROLOGIS INC. COM 74340W103 1,237 13,256 SH   SOLE   13,186 0 70
ISHARES TR 0-5YR INVT GR CP 46434V100 1,186 22,751 SH   SOLE   22,751 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,179 9,550 SH   SOLE   9,550 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 1,134 9,030 SH   SOLE   8,930 0 100
PARKER HANNIFIN CORP COM 701094104 1,118 6,101 SH   SOLE   5,861 0 240
COLGATE PALMOLIVE CO COM 194162103 1,092 14,911 SH   SOLE   14,911 0 0
ISHARES TR RUS 1000 ETF 464287622 1,062 6,185 SH   SOLE   6,185 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,034 4,615 SH   SOLE   4,615 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,020 5,808 SH   SOLE   5,808 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 968 3,140 SH   SOLE   3,140 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 941 6,318 SH   SOLE   6,318 0 0
ISHARES TR CORE S&P SCP ETF 464287804 940 13,768 SH   SOLE   13,734 0 34
UNITEDHEALTH GROUP INC COM 91324P102 940 3,187 SH   SOLE   3,187 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 936 24,137 SH   SOLE   24,137 0 0
ILLINOIS TOOL WKS INC COM 452308109 932 5,331 SH   SOLE   5,261 0 70
MASCO CORP COM 574599106 928 18,477 SH   SOLE   17,877 0 600
PROCTER AND GAMBLE CO COM 742718109 922 7,713 SH   SOLE   7,713 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 885 3,124 SH   SOLE   3,124 0 0
NVIDIA CORPORATION COM 67066G104 857 2,255 SH   SOLE   2,255 0 0
BRANDYWINE RLTY TR SH BEN INT NEW 105368203 838 76,953 SH   SOLE   75,953 0 1,000
ISHARES INC CORE MSCI EMKT 46434G103 822 17,278 SH   SOLE   17,228 0 50
ISHARES TR CORE US AGGBD ET 464287226 773 6,538 SH   SOLE   6,509 0 29
NEXTERA ENERGY INC COM 65339F101 756 3,149 SH   SOLE   3,149 0 0
TARGET CORP COM 87612E106 715 5,960 SH   SOLE   5,660 0 300
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 688 28,824 SH   SOLE   28,824 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 687 3,847 SH   SOLE   3,847 0 0
ISHARES TR EAFE SML CP ETF 464288273 672 12,529 SH   SOLE   12,529 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 668 6,390 SH   SOLE   6,390 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 660 2,369 SH   SOLE   2,369 0 0
CATERPILLAR INC DEL COM 149123101 638 5,046 SH   SOLE   5,046 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 630 15,913 SH   SOLE   15,913 0 0
INGERSOLL RAND INC COM 45687V106 624 22,194 SH   SOLE   21,710 0 484
DEERE & CO COM 244199105 622 3,956 SH   SOLE   3,781 0 175
KIMBERLY CLARK CORP COM 494368103 599 4,238 SH   SOLE   4,238 0 0
PPG INDS INC COM 693506107 597 5,633 SH   SOLE   5,553 0 80
EXXON MOBIL CORP COM 30231G102 575 12,848 SH   SOLE   12,698 0 150
PFIZER INC COM 717081103 569 17,414 SH   SOLE   17,414 0 0
CISCO SYS INC COM 17275R102 568 12,189 SH   SOLE   12,189 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 532 14,064 SH   SOLE   14,064 0 0
BOEING CO COM 097023105 530 2,891 SH   SOLE   2,891 0 0
MARSH & MCLENNAN COS INC COM 571748102 501 4,665 SH   SOLE   4,665 0 0
3M CO COM 88579Y101 498 3,192 SH   SOLE   3,192 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 496 8,819 SH   SOLE   8,819 0 0
M & T BK CORP COM 55261F104 486 4,675 SH   SOLE   4,675 0 0
LOCKHEED MARTIN CORP COM 539830109 475 1,301 SH   SOLE   1,301 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 461 3,607 SH   SOLE   3,607 0 0
MCDONALDS CORP COM 580135101 454 2,460 SH   SOLE   2,460 0 0
TJX COS INC NEW COM 872540109 449 8,886 SH   SOLE   8,886 0 0
QUEST DIAGNOSTICS INC COM 74834L100 443 3,884 SH   SOLE   3,884 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 441 7,497 SH   SOLE   7,497 0 0
UNION PAC CORP COM 907818108 436 2,578 SH   SOLE   2,578 0 0
MERCK & CO. INC COM 58933Y105 413 5,344 SH   SOLE   5,344 0 0
COCA COLA CO COM 191216100 411 9,191 SH   SOLE   8,691 0 500
CUMMINS INC COM 231021106 408 2,354 SH   SOLE   2,234 0 120
NETFLIX INC COM 64110L106 398 874 SH   SOLE   874 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 390 3,227 SH   SOLE   3,227 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 371 5,000 SH   SOLE   5,000 0 0
COMCAST CORP NEW CL A 20030N101 369 9,461 SH   SOLE   9,461 0 0
SPDR SER TR S&P DIVID ETF 78464A763 368 4,032 SH   SOLE   4,032 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 361 4,908 SH   SOLE   4,908 0 0
FEDEX CORP COM 31428X106 359 2,562 SH   SOLE   2,562 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 352 1,825 SH   SOLE   1,825 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 349 15,092 SH   SOLE   15,092 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 344 4,364 SH   SOLE   4,364 0 0
VARIAN MED SYS INC COM 92220P105 344 2,810 SH   SOLE   2,810 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 338 4,237 SH   SOLE   4,077 0 160
MOOG INC CL A 615394202 338 6,386 SH   SOLE   6,386 0 0
CENTURYLINK INC COM 156700106 325 32,360 SH   SOLE   32,360 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 315 970 SH   SOLE   970 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 313 6,053 SH   SOLE   6,053 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 311 1,870 SH   SOLE   1,870 0 0
TRAVELERS COMPANIES INC COM 89417E109 308 2,700 SH   SOLE   2,700 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 297 9,991 SH   SOLE   9,991 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 296 2,032 SH   SOLE   2,032 0 0
AVERY DENNISON CORP COM 053611109 293 2,570 SH   SOLE   2,570 0 0
TOLL BROTHERS INC COM 889478103 293 8,980 SH   SOLE   8,880 0 100
CITIGROUP INC COM NEW 172967424 283 5,533 SH   SOLE   5,533 0 0
WASTE MGMT INC DEL COM 94106L109 278 2,627 SH   SOLE   2,627 0 0
NUCOR CORP COM 670346105 272 6,568 SH   SOLE   6,468 0 100
OTIS WORLDWIDE CORP COM 68902V107 264 4,641 SH   SOLE   4,641 0 0
V F CORP COM 918204108 257 4,219 SH   SOLE   4,219 0 0
HERSHA HOSPITALITY TR PR SHS BEN INT 427825500 252 43,691 SH   SOLE   0 0 43,691
AMERICAN TOWER CORP NEW COM 03027X100 247 956 SH   SOLE   956 0 0
FIDELITY COVINGTON TR MSCI INFO TECH I 316092808 247 2,999 SH   SOLE   2,947 0 52
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 247 3,596 SH   SOLE   3,596 0 0
TEXAS INSTRS INC COM 882508104 246 1,940 SH   SOLE   1,940 0 0
STARBUCKS CORP COM 855244109 244 3,321 SH   SOLE   3,021 0 300
INVESCO EXCH TRADED FD TR II KBW REGL BKG 46138E578 239 6,632 SH   SOLE   6,632 0 0
BECTON DICKINSON & CO COM 075887109 237 990 SH   SOLE   990 0 0
RESMED INC COM 761152107 230 1,200 SH   SOLE   1,200 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 230 5,152 SH   SOLE   5,152 0 0
WELLS FARGO CO NEW COM 949746101 229 8,938 SH   SOLE   8,938 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 228 9,369 SH   SOLE   8,769 0 600
GENUINE PARTS CO COM 372460105 221 2,546 SH   SOLE   2,546 0 0
CHEMOCENTRYX INC COM 16383L106 219 3,800 SH   SOLE   3,800 0 0
DISCOVER FINL SVCS COM 254709108 213 4,258 SH   SOLE   4,258 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 212 2,684 SH   SOLE   2,684 0 0
DOLLAR GEN CORP NEW COM 256677105 206 1,083 SH   SOLE   1,083 0 0
LAM RESEARCH CORP COM 512807108 201 622 SH   SOLE   622 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 145 14,933 SH   SOLE   14,133 0 800
WELBILT INC COM 949090104 96 15,758 SH   SOLE   15,758 0 0
FORD MTR CO DEL COM 345370860 90 14,807 SH   SOLE   14,807 0 0
MARATHON OIL CORP COM 565849106 79 12,889 SH   SOLE   12,889 0 0