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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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
PIMCO ETF TR ACTIVE BD ETF 72201R775 22,213 202,276 SH   SOLE   0 0 202,276
ISHARES TR CORE 1 5 YR USD 46432F859 21,136 419,112 SH   SOLE   0 0 419,112
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 19,082 234,333 SH   SOLE   0 0 234,333
ISHARES TR CORE S&P SCP ETF 464287804 18,384 158,646 SH   SOLE   0 0 158,646
ISHARES TR IBOXX INV CP ETF 464287242 18,270 137,929 SH   SOLE   0 0 137,929
ISHARES TR CORE MSCI EAFE 46432F842 18,114 237,671 SH   SOLE   0 0 237,671
ISHARES TR S&P MC 400GR ETF 464287606 12,747 146,674 SH   SOLE   0 0 146,674
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 8,828 139,705 SH   SOLE   0 0 139,705
ISHARES TR S&P MC 400VL ETF 464287705 7,698 68,587 SH   SOLE   0 0 68,587
WELLS FARGO CO NEW PERP PFD CNV A 949746804 6,323 4,242 SH   SOLE   0 0 4,242
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 6,235 4,314 SH   SOLE   0 0 4,314
ISHARES TR 1 3 YR TREAS BD 464287457 6,156 71,961 SH   SOLE   0 0 71,961
AUTOMATIC DATA PROCESSING IN COM 053015103 5,849 23,722 SH   SOLE   0 0 23,722
INNOVATOR ETFS TR US EQTY ULTRA B 45782C821 5,583 195,790 SH   SOLE   0 0 195,790
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 4,591 37,778 SH   SOLE   0 0 37,778
ISHARES TR S&P 500 VAL ETF 464287408 4,423 25,151 SH   SOLE   0 0 25,151
APPLE INC COM 037833100 4,415 24,863 SH   SOLE   0 0 24,863
WORLD GOLD TR SPDR GLD MINIS 98149E204 4,304 236,766 SH   SOLE   0 0 236,766
ISHARES TR S&P 500 GRWT ETF 464287309 4,186 36,600 SH   SOLE   0 0 36,600
JPMORGAN CHASE &CO COM 46625H100 3,189 20,141 SH   SOLE   0 0 20,141
BK OF AMERICA CORP COM 060505104 3,025 67,984 SH   SOLE   0 0 67,984
CISCO SYS INC COM 17275R102 2,808 44,310 SH   SOLE   0 0 44,310
HP INC COM 40434L105 2,698 71,609 SH   SOLE   0 0 71,609
CBRE GROUP INC CL A 12504L109 2,621 24,151 SH   SOLE   0 0 24,151
VISTRA CORP COM 92840M102 2,552 112,097 SH   SOLE   0 0 112,097
TEXTRON INC COM 883203101 2,535 32,843 SH   SOLE   0 0 32,843
GENERAL DYNAMICS CORP COM 369550108 2,483 11,908 SH   SOLE   0 0 11,908
PULTE GROUP INC COM 745867101 2,449 42,853 SH   SOLE   0 0 42,853
QUALCOMM INC COM 747525103 2,445 13,368 SH   SOLE   0 0 13,368
GENERAL MTRS CO COM 37045V100 2,434 41,515 SH   SOLE   0 0 41,515
WALMART INC COM 931142103 2,430 16,792 SH   SOLE   0 0 16,792
NUCOR CORP COM 670346105 2,427 21,263 SH   SOLE   0 0 21,263
ALPHABET INC CAP STK CL A 02079K305 2,387 824 SH   SOLE   0 0 824
NORTONLIFELOCK INC COM 668771108 2,380 91,601 SH   SOLE   0 0 91,601
HUMANA INC COM 444859102 2,306 4,971 SH   SOLE   0 0 4,971
REGENERON PHARMACEUTICALS COM 75886F107 2,294 3,633 SH   SOLE   0 0 3,633
PNC FINL SVCS GROUP INC COM 693475105 2,291 11,423 SH   SOLE   0 0 11,423
COLGATE PALMOLIVE CO COM 194162103 2,272 26,628 SH   SOLE   0 0 26,628
PACCAR INC COM 693718108 2,245 25,439 SH   SOLE   0 0 25,439
VALERO ENERGY CORP COM 91913Y100 2,203 29,334 SH   SOLE   0 0 29,334
GILEAD SCIENCES INC COM 375558103 2,077 28,608 SH   SOLE   0 0 28,608
EBAY INC. COM 278642103 2,051 30,838 SH   SOLE   0 0 30,838
AT&T INC COM 00206R102 2,021 82,138 SH   SOLE   0 0 82,138
PRUDENTIAL FINL INC COM 744320102 2,017 18,639 SH   SOLE   0 0 18,639
BROADCOM INC COM 11135F101 1,741 2,617 SH   SOLE   0 0 2,617
SPDR GOLD TR GOLD SHS 78463V107 1,709 10,028 SH   SOLE   0 0 10,028
LABORATORY CORP AMER HLDGS COM NEW 50540R409 1,566 4,983 SH   SOLE   0 0 4,983
VIACOMCBS INC CL B 92556H206 1,461 48,417 SH   SOLE   0 0 48,417
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,264 7,271 SH   SOLE   0 0 7,271
MIDDLESEX WTR CO COM 596680108 1,058 8,794 SH   SOLE   0 0 8,794
NEXTERA ENERGY INC COM 65339F101 980 10,500 SH   SOLE   0 0 10,500
ISHARES INC MSCI WORLD ETF 464286392 934 6,900 SH   SOLE   0 0 6,900
VANGUARD INDEX FDS TOTAL STK MKT 922908769 885 3,664 SH   SOLE   0 0 3,664
UNITED PARCEL SERVICE INC CL B 911312106 874 4,076 SH   SOLE   0 0 4,076
ISHARES TR RUS 1000 GRW ETF 464287614 560 1,833 SH   SOLE   0 0 1,833
ISHARES TR CORE US AGGBD ET 464287226 550 4,436 SH   SOLE   0 0 4,436
ISHARES TR 3 7 YR TREAS BD 464288661 363 2,819 SH   SOLE   0 0 2,819
COLUMBIA FINL INC COM 197641103 334 16,000 SH   SOLE   0 0 16,000
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 293 1,600 SH   SOLE   0 0 1,600
CDK GLOBAL INC COM 12508E101 292 7,000 SH   SOLE   0 0 7,000
ARES CAPITAL CORP COM 04010L103 288 13,568 SH   SOLE   0 0 13,568
GOLDMAN SACHS GROUP INC COM 38141G104 270 707 SH   SOLE   0 0 707
ISHARES TR ESG AWR MSCI USA 46435G425 262 2,425 SH   SOLE   0 0 2,425
PFIZER INC COM 717081103 257 4,348 SH   SOLE   0 0 4,348
AMAZON COM INC COM 023135106 237 71 SH   SOLE   0 0 71
MICROSOFT CORP COM 594918104 214 636 SH   SOLE   0 0 636
ISHARES TR 0-5 YR TIPS ETF 46429B747 203 1,920 SH   SOLE   0 0 1,920
ISHARES INC CORE MSCI EMKT 46434G103 201 664 SH   SOLE   0 0 664
VIRNETX HLDG CORP COM 92823T108 77 29,700 SH   SOLE   0 0 29,700
ZIOPHARM ONCOLOGY INC COM 98973P101 13 11,955 SH   SOLE   0 0 11,955