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
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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
BUILD-A-BEAR WORKSHOP INC COM COM 120076104 36 11,000 SH   SOLE   0 0 11,000
ZIOPHARM ONCOLOGY INC COM COM 98973P101 56 11,955 SH   SOLE   0 0 11,955
VIRNETX HLDG CORP COM COM 92823T108 113 29,700 SH   SOLE   0 0 29,700
ENERGY TRANSFER LP COM UT LTD PTN COM UT LTD PTN 29273V100 137 10,702 SH   SOLE   0 0 10,702
ISHARES US TECHNOLOGY ETF U.S. TECH ETF 464287721 212 910 SH   SOLE   0 0 910
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF TOTAL STK MKT 922908769 213 1,303 SH   SOLE   0 0 1,303
ISHARES TR 3 7 YR TREAS BD 3 7 YR TREAS BD 464288661 216 1,719 SH   SOLE   0 0 1,719
VERIZON COMMUNICATIONS COM 92343V104 217 3,542 SH   SOLE   0 0 3,542
NUSHARES ETF TR NUVEEN ESG SMLCP NUVEEN ESG SMLCP 67092P607 218 7,000 SH   SOLE   0 0 7,000
ARES CAPITAL CORP COM STK USD0.001 COM 04010L103 233 12,500 SH   SOLE   0 0 12,500
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 239 4,435 SH   SOLE   0 0 4,435
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 239 3,525 SH   SOLE   0 0 3,525
FIRST TR EXCHANGE TRADED FD III FIRST TR PFD SECS & INCOME ETF PFD SECS INC ETF 33739E108 251 12,498 SH   SOLE   0 0 12,498
AT&T INC COM USD1 COM 00206R102 265 6,793 SH   SOLE   0 0 6,793
BROADRIDGE FINANCIAL SOLUTION INC COM USD0.01 COM 11133T103 279 2,256 SH   SOLE   0 0 2,256
GOLDMAN SACHS GROUP INC COM USD0.01 COM 38141G104 280 1,217 SH   SOLE   0 0 1,217
VALLEY NATIONAL BANCORP COM NPV COM 919794107 333 29,093 SH   SOLE   0 0 29,093
MICROSOFT CORP COM 594918104 352 2,230 SH   SOLE   0 0 2,230
PFIZER INC COM 717081103 353 9,007 SH   SOLE   0 0 9,007
MERCK & CO INC NEW COM COM 58933Y105 410 4,504 SH   SOLE   0 0 4,504
CDK GLOBAL INC COM USD0.01 COM 12508E101 420 7,672 SH   SOLE   0 0 7,672
INNOVATOR ETFS TR S&P 500 BUFFER E S&P 500 BUFFER E 45782C557 420 15,589 SH   SOLE   0 0 15,589
BANK OF NEW YORK MELLON CORP COM USD0.01 COM 064058100 521 10,349 SH   SOLE   0 0 10,349
KEARNY FINL CORP MD COM COM 48716P108 644 46,550 SH   SOLE   0 0 46,550
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 659 3,859 SH   SOLE   0 0 3,859
ISHARES INC MSCI WORLD ETF MSCI WORLD ETF 464286392 682 6,900 SH   SOLE   0 0 6,900
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 1,272 6,623 SH   SOLE   0 0 6,623
UNITED PARCEL SVC INC CL B CL B 911312106 1,326 11,327 SH   SOLE   0 0 11,327
ISHARES S&P SMALLCAP 600 VALUE ETF SP SMCP600VL ETF 464287879 1,629 10,141 SH   SOLE   0 0 10,141
ISHARES TRUST 1-3 YEAR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 1,721 20,341 SH   SOLE   0 0 20,341
GILEAD SCIENCES INC COM USD0.001 COM 375558103 1,865 28,698 SH   SOLE   0 0 28,698
BANCO SANTANDER SA ADR EACH 1 REPR 1 ORD EUR0.50 ADR 05964H105 1,873 452,341 SH   SOLE   0 0 452,341
GENERAL DYNAMICS CORP COM USD1.00 COM 369550108 1,923 10,903 SH   SOLE   0 0 10,903
EXXON MOBIL CORP COM 30231G102 1,925 27,591 SH   SOLE   0 0 27,591
TEXTRON INC COM 883203101 1,946 43,640 SH   SOLE   0 0 43,640
VALERO ENERGY CORP COM 91913Y100 1,975 21,093 SH   SOLE   0 0 21,093
LAZARD LTD SHS A SHS A G54050102 1,992 49,857 SH   SOLE   0 0 49,857
NUCOR CORP COM USD0.40 COM 670346105 2,033 36,126 SH   SOLE   0 0 36,126
VIACOMCBS INC CL B CL B 92556H206 2,077 49,477 SH   SOLE   0 0 49,477
HP INC COM COM 40434L105 2,091 101,729 SH   SOLE   0 0 101,729
GENERAL MTRS CO COM COM 37045V100 2,118 57,862 SH   SOLE   0 0 57,862
XEROX HOLDINGS CORP COM NEW COM NEW 98421M106 2,128 57,720 SH   SOLE   0 0 57,720
NORTONLIFELOCK INC COM COM 668771108 2,178 85,363 SH   SOLE   0 0 85,363
QUALCOMM INC COM 747525103 2,190 24,821 SH   SOLE   0 0 24,821
REGENERON PHARMACEUTICALS COM 75886F107 2,212 5,892 SH   SOLE   0 0 5,892
LEAR CORP NEW COM USD0.01 COM NEW 521865204 2,265 16,508 SH   SOLE   0 0 16,508
CISCO SYS INC COM COM 17275R102 2,309 48,143 SH   SOLE   0 0 48,143
PULTE GROUP INC COM USD0.01 COM 745867101 2,330 60,059 SH   SOLE   0 0 60,059
PACCAR INC COM USD1.00 COM 693718108 2,334 29,509 SH   SOLE   0 0 29,509
AMGEN INC COM 031162100 2,401 9,958 SH   SOLE   0 0 9,958
PILGRIMS PRIDE CORP COM USD0.01 COM 72147K108 2,402 73,419 SH   SOLE   0 0 73,419
HUMANA INC COM 444859102 2,438 6,653 SH   SOLE   0 0 6,653
PROSHARES TR SHRT 20+YR TRE 74347X849 2,488 126,871 SH   SOLE   0 0 126,871
WALMART INC COM COM 931142103 2,520 21,203 SH   SOLE   0 0 21,203
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 2,603 14,015 SH   SOLE   0 0 14,015
BANK OF AMERICA CORP COM 060505104 3,014 85,579 SH   SOLE   0 0 85,579
JPMORGAN CHASE & CO COM USD1.00 COM 46625H100 3,646 26,154 SH   SOLE   0 0 26,154
SPDR INDEX SHS FDS S&P EMERGING ASIA PAC ETF ASIA PACIF ETF 78463X301 3,743 36,207 SH   SOLE   0 0 36,207
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 3,774 29,422 SH   SOLE   0 0 29,422
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 3,974 23,299 SH   SOLE   0 0 23,299
AUTOMATIC DATA PROCESSING INC COM USD0.10 COM 053015103 4,606 27,017 SH   SOLE   0 0 27,017
SPDR GOLD TR GOLD SHS GOLD SHS 78463V107 4,753 33,262 SH   SOLE   0 0 33,262
BANK OF AMERICA CORP 7.25%CNV PFD L 060505682 5,073 3,501 SH   SOLE   0 0 3,501
WELLS FARGO CO NEW COM PERP PFD CNV A 949746804 5,133 3,540 SH   SOLE   0 0 3,540
APPLE INC COM USD0.00001 COM 037833100 5,470 18,627 SH   SOLE   0 0 18,627
VANGUARD SCOTTSDALE FDS VANGUARD SHORT-TERM CORPORATE BD INDEX FD ETF SHS SHRT TRM CORP BD 92206C409 7,078 87,344 SH   SOLE   0 0 87,344
PIMCO ETF TR ACTIVE BD ETF ACTIVE BD ETF 72201R775 8,866 82,233 SH   SOLE   0 0 82,233
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 9,729 76,034 SH   SOLE   0 0 76,034
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 10,531 44,296 SH   SOLE   0 0 44,296
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 13,167 157,035 SH   SOLE   0 0 157,035
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 16,839 258,115 SH   SOLE   0 0 258,115
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 19,542 383,780 SH   SOLE   0 0 383,780