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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
PIMCO ETF TR ACTIVE BD ETF 72201R775   22,216,975 245,546 SH   SOLE   0 0 245,546
ISHARES TR CORE MSCI EAFE 46432F842   16,688,883 270,748 SH   SOLE   0 0 270,748
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   15,953,261 778,774 SH   SOLE   0 0 778,774
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   15,863,815 787,677 SH   SOLE   0 0 787,677
ISHARES TR S&P MC 400GR ETF 464287606   11,721,107 171,612 SH   SOLE   0 0 171,612
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   10,572,550 194,027 SH   SOLE   0 0 194,027
ISHARES TR CORE S&P SCP ETF 464287804   10,271,544 108,533 SH   SOLE   0 0 108,533
ISHARES TR NATIONAL MUN ETF 464288414   5,900,151 55,915 SH   SOLE   0 0 55,915
INNOVATOR ETFS TR US EQTY PWR BUF 45782C748   5,839,013 196,412 SH   SOLE   0 0 196,412
ISHARES TR S&P MC 400VL ETF 464287705   5,598,377 55,539 SH   SOLE   0 0 55,539
AUTOMATIC DATA PROCESSING IN COM 053015103   5,582,636 23,372 SH   SOLE   0 0 23,372
WORLD GOLD TR SPDR GLD MINIS 98149E303   4,846,782 133,926 SH   SOLE   0 0 133,926
WELLS FARGO CO NEW PERP PFD CNV A 949746804   4,388,055 3,703 SH   SOLE   0 0 3,703
ISHARES TR MSCI EAFE ETF 464287465   4,382,192 66,761 SH   SOLE   0 0 66,761
BK OF AMERICA CORP 7.25%CNV PFD L 060505682   4,242,120 3,657 SH   SOLE   0 0 3,657
ISHARES TR S&P 500 VAL ETF 464287408   4,210,397 29,023 SH   SOLE   0 0 29,023
PIMCO ETF TR INTER MUN BD ACT 72201R866   3,994,178 77,738 SH   SOLE   0 0 77,738
APPLE INC COM 037833100   3,688,145 28,386 SH   SOLE   0 0 28,386
INNOVATOR ETFS TR US EQTY BUFR MAR 45782C326   3,672,096 126,583 SH   SOLE   0 0 126,583
JPMORGAN CHASE &CO COM 46625H100   3,609,066 26,913 SH   SOLE   0 0 26,913
CIGNA CORP NEW COM 125523100   3,456,582 10,432 SH   SOLE   0 0 10,432
BROADCOM INC COM 11135F101   3,363,778 6,016 SH   SOLE   0 0 6,016
GILEAD SCIENCES INC COM 375558103   3,363,446 39,178 SH   SOLE   0 0 39,178
UNITED PARCEL SERVICE INC CL B 911312106   3,298,634 18,975 SH   SOLE   0 0 18,975
BANK AMERICA CORP COM 060505104   3,141,012 94,837 SH   SOLE   0 0 94,837
REGENERON PHARMACEUTICALS COM 75886F107   3,126,487 4,333 SH   SOLE   0 0 4,333
WALMART INC COM 931142103   3,103,864 21,891 SH   SOLE   0 0 21,891
PACCAR INC COM 693718108   3,074,042 31,060 SH   SOLE   0 0 31,060
CISCO SYS INC COM 17275R102   3,042,172 63,858 SH   SOLE   0 0 63,858
VALERO ENERGY CORP COM 91913Y100   3,039,277 23,958 SH   SOLE   0 0 23,958
ISHARES TR S&P 500 GRWT ETF 464287309   3,029,332 51,783 SH   SOLE   0 0 51,783
NUCOR CORP COM 670346105   3,000,724 22,766 SH   SOLE   0 0 22,766
COLGATE PALMOLIVE CO COM 194162103   2,994,982 38,012 SH   SOLE   0 0 38,012
PULTE GROUP INC COM 745867101   2,979,627 65,443 SH   SOLE   0 0 65,443
VISTRA CORP COM 92840M102   2,892,362 124,671 SH   SOLE   0 0 124,671
AT&T INC COM 00206R102   2,867,615 155,764 SH   SOLE   0 0 155,764
CBRE GROUP INC CL A 12504L109   2,856,033 37,111 SH   SOLE   0 0 37,111
PRUDENTIAL FINL INC COM 744320102   2,846,702 28,622 SH   SOLE   0 0 28,622
LABORATORY CORP AMER HLDGS COM NEW 50540R409   2,759,195 11,717 SH   SOLE   0 0 11,717
HP INC COM 40434L105   2,733,839 101,743 SH   SOLE   0 0 101,743
BRISTOL-MYERS SQUIBB CO COM 110122108   2,691,578 37,409 SH   SOLE   0 0 37,409
GEN DIGITAL INC COM 668771108   2,689,575 125,505 SH   SOLE   0 0 125,505
EBAY INC. COM 278642103   2,673,274 64,463 SH   SOLE   0 0 64,463
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102   2,664,546 46,591 SH   SOLE   0 0 46,591
GENERAL MTRS CO COM 37045V100   2,553,991 75,921 SH   SOLE   0 0 75,921
ALPHABET INC CAP STK CL A 02079K305   2,536,436 28,748 SH   SOLE   0 0 28,748
QUALCOMM INC COM 747525103   2,479,652 22,555 SH   SOLE   0 0 22,555
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   2,447,852 25,493 SH   SOLE   0 0 25,493
SPDR GOLD TR GOLD SHS 78463V107   1,552,132 9,150 SH   SOLE   0 0 9,150
ISHARES TR CORE 1 5 YR USD 46432F859   949,939 20,455 SH   SOLE   0 0 20,455
NEXTERA ENERGY INC COM 65339F101   932,140 11,150 SH   SOLE   0 0 11,150
ISHARES TR CORE US AGGBD ET 464287226   700,629 7,224 SH   SOLE   0 0 7,224
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   554,983 2,631 SH   SOLE   0 0 2,631
ARES CAPITAL CORP COM 04010L103   547,137 29,623 SH   SOLE   0 0 29,623
COLUMBIA FINL INC COM 197641103   389,809 18,030 SH   SOLE   0 0 18,030
ISHARES TR RUS 1000 GRW ETF 464287614   343,212 1,602 SH   SOLE   0 0 1,602
ISHARES INC CORE MSCI EMKT 46434G103   310,144 6,641 SH   SOLE   0 0 6,641
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   252,202 15,012 SH   SOLE   0 0 15,012
MIDDLESEX WTR CO COM 596680108   249,673 3,174 SH   SOLE   0 0 3,174
GOLDMAN SACHS GROUP INC COM 38141G104   242,770 707 SH   SOLE   0 0 707
PFIZER INC COM 717081103   222,792 4,348 SH   SOLE   0 0 4,348
VANGUARD INDEX FDS VALUE ETF 922908744   217,574 1,550 SH   SOLE   0 0 1,550
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   201,195 1,500 SH   SOLE   0 0 1,500
VIRNETX HLDG CORP COM 92823T108   38,610 29,700 SH   SOLE   0 0 29,700
ALAUNOS THERAPEUTICS INC COM 98973P101   7,760 11,955 SH   SOLE   0 0 11,955