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 26,509 187,343 SH   SOLE   184,283 0 3,060
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 23,429 384,337 SH   SOLE   377,446 0 6,891
ISHARES TR RUSSELL 2000 ETF 464287655 19,331 88,370 SH   SOLE   86,697 0 1,673
ISHARES TR CORE S&P500 ETF 464287200 18,552 43,063 SH   SOLE   41,769 0 1,294
MICROSOFT CORP COM 594918104 18,230 64,665 SH   SOLE   63,768 0 897
VANGUARD INDEX FDS SML CP GRW ETF 922908595 16,839 60,103 SH   SOLE   27,107 0 32,996
ISHARES TR RUS MID CAP ETF 464287499 15,801 202,012 SH   SOLE   198,145 0 3,867
SPDR SER TR BLMBRG BRC CNVRT 78464A359 15,706 184,014 SH   SOLE   181,418 0 2,596
ISHARES TR MSCI EMG MKT ETF 464287234 14,962 296,976 SH   SOLE   292,065 0 4,911
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 14,938 174,821 SH   SOLE   1,186 0 173,635
ISHARES TR 0-5YR INVT GR CP 46434V100 12,382 239,593 SH   SOLE   239,170 0 423
ALPHABET INC CAP STK CL A 02079K305 11,475 4,292 SH   SOLE   4,151 0 141
AMAZON COM INC COM 023135106 11,459 3,488 SH   SOLE   3,414 0 74
VISA INC COM CL A 92826C839 10,506 47,166 SH   SOLE   46,530 0 636
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 9,131 28,542 SH   SOLE   28,262 0 280
JPMORGAN CHASE & CO COM 46625H100 8,886 54,283 SH   SOLE   53,231 0 1,052
STRYKER CORPORATION COM 863667101 8,789 33,328 SH   SOLE   32,365 0 963
DISNEY WALT CO COM 254687106 8,338 49,285 SH   SOLE   47,951 0 1,334
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,896 157,881 SH   SOLE   24,488 0 133,393
ANTHEM INC COM 036752103 7,278 19,523 SH   SOLE   18,998 0 525
MASTERCARD INCORPORATED CL A 57636Q104 6,641 19,101 SH   SOLE   18,644 0 457
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 6,264 34,351 SH   SOLE   33,672 0 679
BK OF AMERICA CORP COM 060505104 6,007 141,509 SH   SOLE   137,264 0 4,245
PEPSICO INC COM 713448108 5,929 39,422 SH   SOLE   38,542 0 880
AIR PRODS & CHEMS INC COM 009158106 5,663 22,111 SH   SOLE   21,748 0 363
LOWES COS INC COM 548661107 5,534 27,280 SH   SOLE   26,872 0 408
TE CONNECTIVITY LTD REG SHS H84989104 5,311 38,703 SH   SOLE   38,238 0 465
PNC FINL SVCS GROUP INC COM 693475105 4,923 25,164 SH   SOLE   25,164 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 4,835 8,462 SH   SOLE   8,340 0 122
TRANE TECHNOLOGIES PLC SHS G8994E103 4,792 27,757 SH   SOLE   27,147 0 610
ISHARES TR MSCI EAFE ETF 464287465 4,779 61,259 SH   SOLE   60,538 0 721
ALPHABET INC CAP STK CL C 02079K107 4,664 1,750 SH   SOLE   1,687 0 63
EATON CORP PLC SHS G29183103 4,606 30,848 SH   SOLE   29,556 0 1,292
DANAHER CORPORATION COM 235851102 4,510 14,814 SH   SOLE   13,784 0 1,030
ISHARES TR CORE S&P MCP ETF 464287507 4,482 17,037 SH   SOLE   16,698 0 339
CARLISLE COS INC COM 142339100 4,399 22,131 SH   SOLE   21,672 0 459
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,236 51,399 SH   SOLE   6,371 0 45,028
PROLOGIS INC. COM 74340W103 4,196 33,454 SH   SOLE   33,023 0 431
AMGEN INC COM 031162100 4,179 19,652 SH   SOLE   19,387 0 265
ISHARES TR S&P MC 400VL ETF 464287705 4,063 39,429 SH   SOLE   38,289 0 1,140
ARROW ELECTRS INC COM 042735100 3,907 34,798 SH   SOLE   33,000 0 1,798
TRUIST FINL CORP COM 89832Q109 3,877 66,110 SH   SOLE   63,527 0 2,583
FIFTH THIRD BANCORP COM 316773100 3,866 91,091 SH   SOLE   88,412 0 2,679
CAPITAL ONE FINL CORP COM 14040H105 3,853 23,790 SH   SOLE   23,194 0 596
HUNTSMAN CORP COM 447011107 3,816 128,956 SH   SOLE   124,433 0 4,523
US BANCORP DEL COM NEW 902973304 3,795 63,838 SH   SOLE   62,053 0 1,785
ORACLE CORP COM 68389X105 3,784 43,429 SH   SOLE   41,729 0 1,700
INVESCO QQQ TR UNIT SER 1 46090E103 3,543 9,899 SH   SOLE   9,749 0 150
D R HORTON INC COM 23331A109 3,525 41,983 SH   SOLE   41,144 0 839
FACEBOOK INC CL A 30303M102 3,489 10,279 SH   SOLE   10,114 0 165
HOME DEPOT INC COM 437076102 3,436 10,467 SH   SOLE   10,467 0 0
CVS HEALTH CORP COM 126650100 3,128 36,860 SH   SOLE   36,303 0 557
CHEVRON CORP NEW COM 166764100 3,125 30,803 SH   SOLE   30,225 0 578
LINDE PLC SHS G5494J103 3,115 10,618 SH   SOLE   10,398 0 220
HONEYWELL INTL INC COM 438516106 3,069 14,456 SH   SOLE   14,286 0 170
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,016 39,341 SH   SOLE   38,311 0 1,030
CONSTELLATION BRANDS INC CL A 21036P108 3,003 14,254 SH   SOLE   13,968 0 286
JOHNSON & JOHNSON COM 478160104 3,003 18,596 SH   SOLE   18,596 0 0
NIKE INC CL B 654106103 2,917 20,088 SH   SOLE   19,780 0 308
VERIZON COMMUNICATIONS INC COM 92343V104 2,806 51,959 SH   SOLE   51,618 0 341
ALLEGION PLC ORD SHS G0176J109 2,756 20,850 SH   SOLE   20,360 0 490
ZIMMER BIOMET HOLDINGS INC COM 98956P102 2,747 18,768 SH   SOLE   18,586 0 182
PULTE GROUP INC COM 745867101 2,609 56,811 SH   SOLE   55,611 0 1,200
UNILEVER PLC SPON ADR NEW 904767704 2,513 46,352 SH   SOLE   45,496 0 856
AMERISOURCEBERGEN CORP COM 03073E105 2,495 20,890 SH   SOLE   20,690 0 200
ROYAL BK CDA COM 780087102 2,361 23,738 SH   SOLE   23,738 0 0
MARSH & MCLENNAN COS INC COM 571748102 2,349 15,510 SH   SOLE   15,429 0 81
QUALCOMM INC COM 747525103 2,349 18,210 SH   SOLE   18,019 0 191
CONOCOPHILLIPS COM 20825C104 2,347 34,630 SH   SOLE   34,312 0 318
CHUBB LIMITED COM H1467J104 2,314 13,338 SH   SOLE   12,742 0 596
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,308 5,853 SH   SOLE   4,667 0 1,186
ABBVIE INC COM 00287Y109 2,255 20,907 SH   SOLE   20,782 0 125
ISHARES TR CORE S&P SCP ETF 464287804 2,120 19,414 SH   SOLE   17,788 0 1,626
AMERICAN ELEC PWR CO INC COM 025537101 2,098 25,848 SH   SOLE   25,374 0 474
KEARNY FINL CORP MD COM 48716P108 2,075 166,946 SH   SOLE   45,343 0 121,603
ISHARES TR EAFE SML CP ETF 464288273 2,006 26,960 SH   SOLE   26,960 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,959 22,785 SH   SOLE   22,785 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 1,891 51,710 SH   SOLE   50,850 0 860
ISHARES INC CORE MSCI EMKT 46434G103 1,853 30,010 SH   SOLE   30,010 0 0
PPL CORP COM 69351T106 1,835 65,815 SH   SOLE   64,504 0 1,311
S&P GLOBAL INC COM 78409V104 1,820 4,283 SH   SOLE   4,283 0 0
COMCAST CORP NEW CL A 20030N101 1,816 32,471 SH   SOLE   32,471 0 0
NVIDIA CORPORATION COM 67066G104 1,789 8,634 SH   SOLE   8,330 0 304
UNITEDHEALTH GROUP INC COM 91324P102 1,782 4,559 SH   SOLE   4,559 0 0
PRICE T ROWE GROUP INC COM 74144T108 1,712 8,703 SH   SOLE   8,703 0 0
PARKER-HANNIFIN CORP COM 701094104 1,685 6,025 SH   SOLE   5,825 0 200
ISHARES TR SELECT DIVID ETF 464287168 1,607 14,004 SH   SOLE   14,004 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,576 3,672 SH   SOLE   3,667 0 5
PHILLIPS 66 COM 718546104 1,575 22,492 SH   SOLE   22,160 0 332
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,545 30,604 SH   SOLE   28,741 0 1,863
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 1,538 8,655 SH   SOLE   8,555 0 100
DOMINION ENERGY INC COM 25746U109 1,512 20,702 SH   SOLE   20,402 0 300
ISHARES TR RUS 1000 ETF 464287622 1,484 6,140 SH   SOLE   6,140 0 0
COLGATE PALMOLIVE CO COM 194162103 1,376 18,206 SH   SOLE   18,206 0 0
INTEL CORP COM 458140100 1,317 24,720 SH   SOLE   24,720 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,295 4,881 SH   SOLE   4,835 0 46
ISHARES TR S&P MC 400GR ETF 464287606 1,276 16,116 SH   SOLE   16,116 0 0
NEXTERA ENERGY INC COM 65339F101 1,239 15,784 SH   SOLE   15,784 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,220 4,471 SH   SOLE   4,471 0 0
DIGITAL RLTY TR INC COM 253868103 1,196 8,277 SH   SOLE   8,249 0 28
TARGET CORP COM 87612E106 1,186 5,185 SH   SOLE   4,885 0 300
CISCO SYS INC COM 17275R102 1,184 21,750 SH   SOLE   21,750 0 0
PROCTER AND GAMBLE CO COM 742718109 1,133 8,105 SH   SOLE   8,105 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,094 5,471 SH   SOLE   5,471 0 0
NORFOLK SOUTHN CORP COM 655844108 1,093 4,569 SH   SOLE   4,569 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 1,074 24,158 SH   SOLE   23,915 0 243
CITIGROUP INC COM NEW 172967424 1,061 15,114 SH   SOLE   15,014 0 100
ILLINOIS TOOL WKS INC COM 452308109 1,061 5,137 SH   SOLE   5,087 0 50
MCDONALDS CORP COM 580135101 1,048 4,348 SH   SOLE   4,348 0 0
DEERE & CO COM 244199105 986 2,944 SH   SOLE   2,769 0 175
AVERY DENNISON CORP COM 053611109 958 4,621 SH   SOLE   4,621 0 0
TJX COS INC NEW COM 872540109 956 14,490 SH   SOLE   14,490 0 0
WASTE MGMT INC DEL COM 94106L109 948 6,345 SH   SOLE   6,305 0 40
VANGUARD WORLD FDS INF TECH ETF 92204A702 945 2,355 SH   SOLE   2,355 0 0
CATERPILLAR INC COM 149123101 902 4,699 SH   SOLE   4,699 0 0
MASCO CORP COM 574599106 888 15,986 SH   SOLE   15,386 0 600
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 885 5,929 SH   SOLE   5,929 0 0
PFIZER INC COM 717081103 861 20,030 SH   SOLE   20,030 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 838 16,194 SH   SOLE   16,194 0 0
UNION PAC CORP COM 907818108 834 4,257 SH   SOLE   4,257 0 0
AT&T INC COM 00206R102 812 30,066 SH   SOLE   28,445 0 1,621
VANGUARD INDEX FDS SMALL CP ETF 922908751 791 3,618 SH   SOLE   3,164 0 454
SELECT SECTOR SPDR TR ENERGY 81369Y506 773 14,839 SH   SOLE   14,439 0 400
PPG INDS INC COM 693506107 765 5,351 SH   SOLE   5,271 0 80
INGERSOLL RAND INC COM 45687V106 749 14,863 SH   SOLE   14,379 0 484
DISCOVER FINL SVCS COM 254709108 745 6,062 SH   SOLE   6,062 0 0
LAM RESEARCH CORP COM 512807108 685 1,203 SH   SOLE   1,203 0 0
MERCK & CO INC COM 58933Y105 678 9,023 SH   SOLE   9,023 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 672 1,397 SH   SOLE   1,397 0 0
QUEST DIAGNOSTICS INC COM 74834L100 670 4,609 SH   SOLE   4,609 0 0
LOCKHEED MARTIN CORP COM 539830109 640 1,855 SH   SOLE   1,855 0 0
SUMMIT MATLS INC CL A 86614U100 634 19,838 SH   SOLE   19,688 0 150
FEDEX CORP COM 31428X106 631 2,878 SH   SOLE   2,878 0 0
EXXON MOBIL CORP COM 30231G102 620 10,536 SH   SOLE   10,536 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 620 2,203 SH   SOLE   2,203 0 0
3M CO COM 88579Y101 606 3,453 SH   SOLE   3,453 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 604 6,397 SH   SOLE   6,344 0 53
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 591 15,750 SH   SOLE   15,750 0 0
M & T BK CORP COM 55261F104 588 3,935 SH   SOLE   3,935 0 0
OTIS WORLDWIDE CORP COM 68902V107 584 7,103 SH   SOLE   7,103 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 575 5,530 SH   SOLE   5,530 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 573 3,193 SH   SOLE   3,193 0 0
KIMBERLY-CLARK CORP COM 494368103 572 4,319 SH   SOLE   4,319 0 0
ISHARES TR CORE US AGGBD ET 464287226 565 4,920 SH   SOLE   4,370 0 550
BRISTOL-MYERS SQUIBB CO COM 110122108 552 9,331 SH   SOLE   9,331 0 0
SPDR SER TR S&P DIVID ETF 78464A763 544 4,626 SH   SOLE   4,447 0 179
RESMED INC COM 761152107 537 2,038 SH   SOLE   2,038 0 0
COCA COLA CO COM 191216100 528 10,055 SH   SOLE   9,555 0 500
TOLL BROTHERS INC COM 889478103 526 9,505 SH   SOLE   9,205 0 300
NETFLIX INC COM 64110L106 506 829 SH   SOLE   829 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 484 4,078 SH   SOLE   4,078 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 478 12,346 SH   SOLE   11,873 0 473
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 477 4,616 SH   SOLE   4,592 0 24
TEXAS INSTRS INC COM 882508104 464 2,414 SH   SOLE   2,414 0 0
V F CORP COM 918204108 456 6,812 SH   SOLE   6,796 0 16
CUMMINS INC COM 231021106 455 2,025 SH   SOLE   1,905 0 120
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 444 5,104 SH   SOLE   5,104 0 0
COSTCO WHSL CORP NEW COM 22160K105 442 985 SH   SOLE   985 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 442 4,255 SH   SOLE   4,255 0 0
CHARLES RIV LABS INTL INC COM 159864107 434 1,052 SH   SOLE   1,052 0 0
ISHARES TR NATIONAL MUN ETF 464288414 420 3,614 SH   SOLE   3,614 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 419 1,444 SH   SOLE   1,444 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 416 1,685 SH   SOLE   1,685 0 0
HERSHA HOSPITALITY TR PR SHS BEN INT 427825500 415 44,453 SH   SOLE   762 0 43,691
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 414 5,579 SH   SOLE   5,579 0 0
WELLS FARGO CO NEW COM 949746101 409 8,817 SH   SOLE   8,817 0 0
STARBUCKS CORP COM 855244109 402 3,644 SH   SOLE   3,344 0 300
WORLD FUEL SVCS CORP COM 981475106 396 4,065 SH   SOLE   4,065 0 0
MOOG INC CL A 615394202 379 4,975 SH   SOLE   4,975 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 374 2,457 SH   SOLE   2,457 0 0
MCCORMICK & CO INC COM NON VTG 579780206 369 4,554 SH   SOLE   4,554 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 367 6,766 SH   SOLE   6,766 0 0
TRAVELERS COMPANIES INC COM 89417E109 363 2,388 SH   SOLE   2,388 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 351 3,505 SH   SOLE   3,181 0 324
DUKE ENERGY CORP NEW COM NEW 26441C204 347 3,551 SH   SOLE   3,391 0 160
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 344 11,301 SH   SOLE   10,081 0 1,220
ISHARES TR CORE MSCI EAFE 46432F842 341 4,598 SH   SOLE   4,598 0 0
T-MOBILE US INC COM 872590104 328 2,568 SH   SOLE   2,568 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 321 3,285 SH   SOLE   3,285 0 0
NUCOR CORP COM 670346105 315 3,197 SH   SOLE   3,197 0 0
GENERAL DYNAMICS CORP COM 369550108 314 1,601 SH   SOLE   1,601 0 0
MCKESSON CORP COM 58155Q103 313 1,569 SH   SOLE   1,379 0 190
VANGUARD INDEX FDS MID CAP ETF 922908629 312 1,316 SH   SOLE   1,316 0 0
PAYPAL HLDGS INC COM 70450Y103 291 1,119 SH   SOLE   1,119 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 283 4,433 SH   SOLE   4,433 0 0
BECTON DICKINSON & CO COM 075887109 274 1,116 SH   SOLE   1,116 0 0
BROWN & BROWN INC COM 115236101 272 4,897 SH   SOLE   4,897 0 0
GLOBE LIFE INC COM 37959E102 272 3,054 SH   SOLE   3,054 0 0
WALMART INC COM 931142103 271 1,943 SH   SOLE   1,943 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 268 4,052 SH   SOLE   4,052 0 0
EBAY INC. COM 278642103 262 3,759 SH   SOLE   3,759 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 262 4,876 SH   SOLE   4,876 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 261 507 SH   SOLE   507 0 0
MEDTRONIC PLC SHS G5960L103 258 2,058 SH   SOLE   2,058 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 251 3,132 SH   SOLE   3,132 0 0
TESLA INC COM 88160R101 247 319 SH   SOLE   319 0 0
LULULEMON ATHLETICA INC COM 550021109 243 601 SH   SOLE   601 0 0
DOLLAR GEN CORP NEW COM 256677105 240 1,129 SH   SOLE   1,129 0 0
EMERSON ELEC CO COM 291011104 239 2,538 SH   SOLE   2,538 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 238 631 SH   SOLE   631 0 0
BOEING CO COM 097023105 236 1,072 SH   SOLE   1,072 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 235 1,409 SH   SOLE   1,409 0 0
SYNOPSYS INC COM 871607107 232 775 SH   SOLE   775 0 0
INVESCO EXCH TRADED FD TR II KBW REGL BKG 46138E578 230 3,721 SH   SOLE   3,469 0 252
GALLAGHER ARTHUR J & CO COM 363576109 229 1,538 SH   SOLE   1,538 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 225 1,595 SH   SOLE   1,595 0 0
AON PLC SHS CL A G0403H108 222 777 SH   SOLE   777 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 221 1,593 SH   SOLE   1,593 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 220 750 SH   SOLE   750 0 0
NOVARTIS AG SPONSORED ADR 66987V109 220 2,686 SH   SOLE   2,686 0 0
ABBOTT LABS COM 002824100 212 1,799 SH   SOLE   1,799 0 0
ISHARES TR IBOXX INV CP ETF 464287242 211 1,587 SH   SOLE   1,587 0 0
PHILIP MORRIS INTL INC COM 718172109 211 2,223 SH   SOLE   2,223 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 206 3,291 SH   SOLE   2,961 0 330
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 202 3,324 SH   SOLE   3,324 0 0
GERON CORP COM 374163103 14 10,000 SH   SOLE   0 0 10,000