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
3M CO COM 88579Y101 479 2,762 SH   SOLE 1,081 1,681 0
ABBVIE INC COM 00287Y109 222 3,056 SH   SOLE 1,720 1,336 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,373 8,100 SH   SOLE 6,620 1,480 0
ALPHABET INC CAP STK CL A 02079K305 56 52 SH   DFND 1 52 0 0
ALPHABET INC CAP STK CL A 02079K305 2,783 2,570 SH   SOLE 1,097 1,473 0
ALPHABET INC CAP STK CL C 02079K107 18 17 SH   DFND 1 17 0 0
ALPHABET INC CAP STK CL C 02079K107 1,339 1,239 SH   SOLE 220 1,019 0
ALTRIA GROUP INC COM 02209S103 642 13,552 SH   SOLE 8,468 5,084 0
AMAZON COM INC COM 023135106 100 53 SH   DFND 1 53 0 0
AMAZON COM INC COM 023135106 9,911 5,234 SH   SOLE 2,890 2,344 0
AMERICAN INTL GROUP INC COM NEW 026874784 268 5,026 SH   SOLE 5,001 25 0
AMGEN INC COM 031162100 45 242 SH   DFND 1 242 0 0
AMGEN INC COM 031162100 208 1,127 SH   SOLE 288 839 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 412 4,650 SH   SOLE 2,600 2,050 0
APPLE INC COM 037833100 8,855 44,740 SH   SOLE 15,460 29,280 0
APPLE INC COM 037833100 80 404 SH   DFND 1 404 0 0
AT&T INC COM 00206R102 811 24,197 SH   SOLE 15,009 9,188 0
AT&T INC COM 00206R102 53 1,592 SH   DFND 1 1,592 0 0
BANK AMER CORP COM 060505104 73 2,513 SH   DFND 1 2,513 0 0
BANK AMER CORP COM 060505104 1,673 57,681 SH   SOLE 45,103 12,578 0
BECTON DICKINSON & CO COM 075887109 222 880 SH   SOLE 0 880 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,273 4 SH   SOLE 0 4 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,026 9,503 SH   SOLE 3,790 5,713 0
BOEING CO COM 097023105 1,278 3,510 SH   SOLE 1,530 1,980 0
BP PLC SPONSORED ADR 055622104 299 7,163 SH   SOLE 1,389 5,774 0
BROADCOM INC COM 11135F101 488 1,696 SH   SOLE 1,171 525 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 478 10,000 SH   SOLE 10,000 0 0
CATERPILLAR INC DEL COM 149123101 43 312 SH   DFND 1 312 0 0
CATERPILLAR INC DEL COM 149123101 607 4,457 SH   SOLE 1,319 3,138 0
CHEVRON CORP NEW COM 166764100 77 618 SH   DFND 1 618 0 0
CHEVRON CORP NEW COM 166764100 1,435 11,532 SH   SOLE 4,782 6,750 0
CISCO SYS INC COM 17275R102 361 6,591 SH   SOLE 3,370 3,221 0
CISCO SYS INC COM 17275R102 90 1,652 SH   DFND 1 1,652 0 0
COCA COLA CO COM 191216100 591 11,612 SH   SOLE 5,458 6,154 0
COMCAST CORP NEW CL A 20030N101 604 14,295 SH   SOLE 9,342 4,953 0
CONOCOPHILLIPS COM 20825C104 417 6,840 SH   SOLE 1,875 4,965 0
DEERE & CO COM 244199105 346 2,085 SH   SOLE 1,829 256 0
DISNEY WALT CO COM DISNEY 254687106 67 482 SH   DFND 1 482 0 0
DISNEY WALT CO COM DISNEY 254687106 1,806 12,934 SH   SOLE 4,209 8,725 0
DOMINION ENERGY INC COM 25746U109 326 4,215 SH   SOLE 2,800 1,415 0
EXXON MOBIL CORP COM 30231G102 1,823 23,784 SH   SOLE 8,239 15,545 0
FACEBOOK INC CL A 30303M102 22 113 SH   DFND 1 113 0 0
FACEBOOK INC CL A 30303M102 2,088 10,820 SH   SOLE 3,624 7,196 0
FIDELITY MSCI FINLS IDX 316092501 300 7,486 SH   SOLE 2,615 4,871 0
FIDELITY COMWLTH TR NDQ CP IDX TRK 315912808 1,405 4,465 SH   SOLE 2,500 1,965 0
FISERV INC COM 337738108 255 2,794 SH   SOLE 2,794 0 0
FORD MTR CO DEL COM 345370860 186 18,153 SH   SOLE 2,318 15,835 0
GENERAL ELECTRIC CO COM 369604103 141 13,441 SH   SOLE 1,809 11,632 0
GENERAL MTRS CO COM 37045V100 269 6,969 SH   SOLE 4,519 2,450 0
HOME DEPOT INC COM 437076102 67 322 SH   DFND 1 322 0 0
HOME DEPOT INC COM 437076102 2,218 10,663 SH   SOLE 9,181 1,482 0
HONEYWELL INTL INC COM 438516106 826 4,733 SH   SOLE 3,382 1,351 0
HONEYWELL INTL INC COM 438516106 54 308 SH   DFND 1 308 0 0
INTEL CORP COM 458140100 50 1,041 SH   DFND 1 1,041 0 0
INTEL CORP COM 458140100 496 10,369 SH   SOLE 3,298 7,071 0
INTERNATIONAL BUSINESS MACHS COM 459200101 733 5,312 SH   SOLE 2,333 2,979 0
INTL PAPER CO COM 460146103 559 12,900 SH   SOLE 4,192 8,708 0
INTL PAPER CO COM 460146103 21 488 SH   DFND 1 488 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 380 3,254 SH   SOLE 1,279 1,975 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 631 3,115 SH   SOLE 1,388 1,726 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 674 6,248 SH   SOLE 2,833 3,415 0
INVESCO EXCHNG TRADED FD TR PFD ETF 46138E511 150 10,250 SH   SOLE 6,250 4,000 0
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354 346 6,292 SH   SOLE 2,000 4,292 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,142 22,179 SH   SOLE 10,198 11,980 0
ISHARES TR CORE DIV GRWTH 46434V621 708 18,532 SH   SOLE 7,643 10,889 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,516 37,210 SH   SOLE 13,290 23,920 0
ISHARES TR CORE MSCI EAFE 46432F842 346 5,643 SH   SOLE 5,533 110 0
ISHARES TR CORE S&P MCP ETF 464287507 3,608 18,574 SH   SOLE 11,441 7,133 0
ISHARES TR CORE S&P SCP ETF 464287804 3,551 45,367 SH   SOLE 27,277 18,090 0
ISHARES TR CORE S&P TTL STK 464287150 223 3,344 SH   SOLE 935 2,409 0
ISHARES TR CORE S&P500 ETF 464287200 2,135 7,243 SH   SOLE 4,107 3,136 0
ISHARES TR CORE US AGGBD ET 464287226 337 3,025 SH   SOLE 3,025 0 0
ISHARES TR EAFE GRWTH ETF 464288885 251 3,105 SH   SOLE 3,105 0 0
ISHARES TR EAFE VALUE ETF 464288877 456 9,486 SH   SOLE 1,394 8,092 0
ISHARES TR IBOXX INV CP ETF 464287242 205 1,650 SH   SOLE 575 1,075 0
ISHARES TR MSCI EAFE ETF 464287465 235 3,576 SH   SOLE 1,807 1,769 0
ISHARES TR MSCI KLD400 SOC 464288570 252 2,304 SH   SOLE 0 2,304 0
ISHARES TR NATIONAL MUN ETF 464288414 217 1,915 SH   SOLE 1,915 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 588 3,739 SH   SOLE 2,654 1,085 0
ISHARES TR RUS 1000 VAL ETF 464287598 298 2,343 SH   SOLE 1,381 962 0
ISHARES TR RUSSELL 2000 ETF 464287655 371 2,383 SH   SOLE 1,764 619 0
ISHARES TR S&P 100 ETF 464287101 1,562 12,050 SH   SOLE 12,000 50 0
ISHARES TR S&P 500 GRWT ETF 464287309 398 2,220 SH   SOLE 1,719 501 0
ISHARES TR S&P MC 400GR ETF 464287606 450 1,987 SH   SOLE 576 1,411 0
ISHARES TR S&P MC 400VL ETF 464287705 287 1,799 SH   SOLE 155 1,644 0
ISHARES TR US AER DEF ETF 464288760 651 3,039 SH   SOLE 1,011 2,028 0
ISHARES TR USA MOMENTUM FCT 46432F396 642 5,415 SH   SOLE 1,590 3,825 0
JOHNSON & JOHNSON COM 478160104 1,217 8,740 SH   SOLE 2,563 6,177 0
JOHNSON & JOHNSON COM 478160104 41 293 SH   DFND 1 293 0 0
JPMORGAN CHASE & CO COM 46625H100 655 5,855 SH   SOLE 2,116 3,739 0
JPMORGAN CHASE & CO COM 46625H100 32 284 SH   DFND 1 284 0 0
LILLY ELI & CO COM 532457108 449 4,055 SH   SOLE 3,841 214 0
LOCKHEED MARTIN CORP COM 539830109 57 156 SH   DFND 1 156 0 0
LOCKHEED MARTIN CORP COM 539830109 375 1,031 SH   SOLE 263 768 0
MARATHON PETE CORP COM 56585A102 219 3,926 SH   SOLE 3,000 926 0
MASTERCARD INC CL A 57636Q104 1,979 7,481 SH   SOLE 3,556 3,925 0
MATINAS BIOPHARMA HLDGS INC COM 576810105 9 10,000 SH   SOLE 10,000 0 0
MCDONALDS CORP COM 580135101 689 3,317 SH   SOLE 1,635 1,682 0
MEDICAL PPTYS TRUST INC COM 58463J304 174 10,000 SH   SOLE 7,000 3,000 0
MERCK & CO INC COM 58933Y105 94 1,120 SH   DFND 1 1,120 0 0
MERCK & CO INC COM 58933Y105 485 5,786 SH   SOLE 3,386 2,400 0
MICROSOFT CORP COM 594918104 2,948 22,010 SH   SOLE 16,702 5,309 0
MICROSOFT CORP COM 594918104 101 757 SH   DFND 1 757 0 0
MONDELEZ INTL INC CL A 609207105 200 3,719 SH   SOLE 806 2,913 0
NETFLIX INC COM 64110L106 576 1,567 SH   SOLE 487 1,080 0
NEXTERA ENERGY INC COM 65339F101 1,307 6,381 SH   SOLE 2,516 3,865 0
NVIDIA CORP COM 67066G104 273 1,660 SH   SOLE 750 910 0
OCEANFIRST FINL CORP COM 675234108 304 12,225 SH   SOLE 12,225 0 0
OPKO HEALTH INC COM 68375N103 61 25,000 SH   SOLE 25,000 0 0
ORACLE CORP COM 68389X105 205 3,595 SH   SOLE 2,095 1,500 0
PAYCHEX INC COM 704326107 501 6,093 SH   SOLE 5,388 705 0
PEPSICO INC COM 713448108 87 662 SH   DFND 1 662 0 0
PEPSICO INC COM 713448108 764 5,830 SH   SOLE 1,623 4,207 0
PFIZER INC COM 717081103 20 466 SH   DFND 1 466 0 0
PFIZER INC COM 717081103 376 8,681 SH   SOLE 3,358 5,323 0
PHILIP MORRIS INTL INC COM 718172109 382 4,868 SH   SOLE 1,922 2,946 0
PNC FINL SVCS GROUP INC COM 693475105 326 2,375 SH   SOLE 970 1,405 0
PPL CORP COM 69351T106 1,048 33,790 SH   SOLE 16,525 17,265 0
PRINCIPAL FINL GROUP INC COM 74251V102 203 3,500 SH   SOLE 3,500 0 0
PROCTER AND GAMBLE CO COM 742718109 91 829 SH   DFND 1 829 0 0
PROCTER AND GAMBLE CO COM 742718109 921 8,396 SH   SOLE 4,627 3,769 0
QUALCOMM INC COM 747525103 678 8,913 SH   SOLE 3,952 4,961 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 550 17,152 SH   SOLE 16,870 282 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 201 3,966 SH   SOLE 1,866 2,100 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 261 4,925 SH   SOLE 1,914 3,011 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,639 23,240 SH   SOLE 18,865 4,375 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,432 83,506 SH   SOLE 67,434 16,072 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,277 51,405 SH   SOLE 40,573 10,832 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 848 14,847 SH   SOLE 12,352 2,495 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 431 7,651 SH   SOLE 4,319 3,332 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 298 4,680 SH   SOLE 3,570 1,110 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 743 12,452 SH   SOLE 4,002 8,450 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 227 2,913 SH   SOLE 2,913 0 0
SOUTH JERSEY INDS INC COM 838518108 326 9,655 SH   SOLE 3,951 5,704 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 1,175 4,420 SH   SOLE 1,645 2,775 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,557 8,728 SH   SOLE 2,780 5,948 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 313 883 SH   SOLE 427 456 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 12,348 122,399 SH   SOLE 54,803 67,596 0
STARBUCKS CORP COM 855244109 58 692 SH   DFND 1 692 0 0
STARBUCKS CORP COM 855244109 222 2,652 SH   SOLE 2,530 122 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,366 23,407 SH   SOLE 15,058 8,349 0
TRAVELERS COMPANIES INC COM 89417E109 181 1,209 SH   SOLE 44 1,165 0
TRAVELERS COMPANIES INC COM 89417E109 57 381 SH   DFND 1 381 0 0
UNITED PARCEL SERVICE INC CL B 911312106 414 4,005 SH   SOLE 1,100 2,905 0
UNITEDHEALTH GROUP INC COM 91324P102 72 297 SH   DFND 1 297 0 0
UNITEDHEALTH GROUP INC COM 91324P102 611 2,504 SH   SOLE 1,170 1,334 0
VALERO ENERGY CORP NEW COM 91913Y100 208 2,431 SH   SOLE 2,431 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 268 2,044 SH   SOLE 1,194 850 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,413 9,888 SH   SOLE 5,081 4,807 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,639 19,731 SH   SOLE 535 19,196 0
VANGUARD GROUP DIV APP ETF 921908844 8,461 73,468 SH   SOLE 32,884 40,584 0
VANGUARD INDEX FDS GROWTH ETF 922908736 446 2,732 SH   SOLE 2,732 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,649 9,866 SH   SOLE 4,764 5,102 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,524 17,435 SH   SOLE 9,149 8,286 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,538 48,117 SH   SOLE 17,237 30,880 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 931 6,200 SH   SOLE 2,515 3,685 0
VANGUARD INDEX FDS VALUE ETF 922908744 542 4,882 SH   SOLE 4,486 396 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,093 23,297 SH   SOLE 8,627 14,670 0
VANGUARD STAR FD VG TL INTL STK F 921909768 256 4,856 SH   SOLE 1,911 2,945 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 685 7,836 SH   SOLE 4,810 3,026 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 882 5,068 SH   SOLE 2,375 2,693 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 475 2,253 SH   SOLE 0 2,253 0
VERIZON COMMUNICATIONS INC COM 92343V104 444 7,766 SH   SOLE 1,993 5,773 0
VISA INC COM CL A 92826C839 2,914 16,789 SH   SOLE 8,015 8,773 0
WALMART INC COM 931142103 21 194 SH   DFND 1 194 0 0
WALMART INC COM 931142103 365 3,302 SH   SOLE 2,041 1,261 0
WEC ENERGY GROUP INC COM 92939U106 253 3,030 SH   SOLE 30 3,000 0
WELLS FARGO CO NEW COM 949746101 334 7,059 SH   SOLE 4,459 2,600 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 306 4,617 SH   SOLE 2,811 1,806 0