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 376 2,151 SH   SOLE   2,151 0 0
ABBOTT LABS COM 002824100 269 2,455 SH   SOLE   2,455 0 0
ABBVIE INC COM 00287Y109 613 5,718 SH   SOLE   5,718 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 4 100 SH Call SOLE   0 0 100
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 4 200 SH Call SOLE   0 0 200
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 11 400 SH Call SOLE   0 0 400
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 11 200 SH Call SOLE   0 0 200
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,353 10,110 SH   SOLE   10,110 0 0
ALPHABET INC CAP STK CL A 02079K305 5,240 2,990 SH   SOLE   2,990 0 0
ALPHABET INC CAP STK CL C 02079K107 2,397 1,368 SH   SOLE   1,368 0 0
ALTRIA GROUP INC COM 02209S103 317 7,743 SH   SOLE   7,743 0 0
AMAZON COM INC COM 023135106 20,639 6,337 SH   SOLE   6,337 0 0
AMGEN INC COM 031162100 229 995 SH   SOLE   995 0 0
APPLE INC COM 037833100 23 600 SH Call SOLE   0 0 600
APPLE INC COM 037833100 33 1,000 SH Call SOLE   0 0 1,000
APPLE INC COM 037833100 24,838 187,189 SH   SOLE   187,189 0 0
AT&T INC COM 00206R102 1,039 36,138 SH   SOLE   36,138 0 0
AUTODESK INC COM 052769106 260 852 SH   SOLE   852 0 0
BECTON DICKINSON & CO COM 075887109 226 905 SH   SOLE   905 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,910 8,237 SH   SOLE   8,237 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 696 2 SH   SOLE   2 0 0
BK OF AMERICA CORP COM 060505104 1,054 34,785 SH   SOLE   34,785 0 0
BOEING CO COM 097023105 722 3,373 SH   SOLE   3,373 0 0
BROADCOM INC COM 11135F101 822 1,877 SH   SOLE   1,877 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 619 15,000 SH   SOLE   15,000 0 0
CATERPILLAR INC COM 149123101 634 3,482 SH   SOLE   3,482 0 0
CHEVRON CORP NEW COM 166764100 677 8,012 SH   SOLE   8,012 0 0
CISCO SYS INC COM 17275R102 396 8,838 SH   SOLE   8,838 0 0
CLOROX CO DEL COM 189054109 209 1,035 SH   SOLE   1,035 0 0
COCA COLA CO COM 191216100 764 13,938 SH   SOLE   13,938 0 0
COMCAST CORP NEW CL A 20030N101 874 16,672 SH   SOLE   16,672 0 0
CONOCOPHILLIPS COM 20825C104 218 5,450 SH   SOLE   5,450 0 0
COSTCO WHSL CORP NEW COM 22160K105 220 585 SH   SOLE   585 0 0
CVS HEALTH CORP COM 126650100 426 6,232 SH   SOLE   6,232 0 0
DANAHER CORPORATION COM 235851102 256 1,154 SH   SOLE   1,154 0 0
DEERE & CO COM 244199105 583 2,165 SH   SOLE   2,165 0 0
DISNEY WALT CO COM 254687106 2,261 12,481 SH   SOLE   12,481 0 0
DOMINION ENERGY INC COM 25746U109 375 4,981 SH   SOLE   4,981 0 0
DRAFTKINGS INC COM CL A 26142R104 0 400 SH Call SOLE   0 0 400
DRAFTKINGS INC COM CL A 26142R104 215 4,610 SH   SOLE   4,610 0 0
ENTERCOM COMMUNICATIONS CORP CL A 293639100 51 20,625 SH   SOLE   20,625 0 0
EXELON CORP COM 30161N101 254 6,005 SH   SOLE   6,005 0 0
EXXON MOBIL CORP COM 30231G102 962 23,349 SH   SOLE   23,349 0 0
FACEBOOK INC CL A 30303M102 3,255 11,916 SH   SOLE   11,916 0 0
FEDEX CORP COM 31428X106 235 906 SH   SOLE   906 0 0
FIDELITY COMWLTH TR NDQ CP IDX TRK 315912808 1,563 3,117 SH   SOLE   3,117 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 740 36,660 SH   SOLE   36,660 0 0
FISERV INC COM 337738108 318 2,794 SH   SOLE   2,794 0 0
FORD MTR CO DEL COM 345370860 178 20,237 SH   SOLE   20,237 0 0
GENERAL ELECTRIC CO COM 369604103 208 19,243 SH   SOLE   19,243 0 0
HOME DEPOT INC COM 437076102 3,378 12,717 SH   SOLE   12,717 0 0
HONEYWELL INTL INC COM 438516106 1,040 4,891 SH   SOLE   4,891 0 0
INTEL CORP COM 458140100 696 13,971 SH   SOLE   13,971 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 417 3,310 SH   SOLE   3,310 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 153 10,000 SH   SOLE   10,000 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 320 5,690 SH   SOLE   5,690 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 759 5,952 SH   SOLE   5,952 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 420 3,154 SH   SOLE   3,154 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 821 3,140 SH   SOLE   3,140 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 7,723 24,615 SH   SOLE   24,615 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,718 16,178 SH   SOLE   16,178 0 0
ISHARES TR S&P MC 400VL ETF 464287705 266 3,084 SH   SOLE   3,084 0 0
ISHARES TR S&P MC 400GR ETF 464287606 552 7,643 SH   SOLE   7,643 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,157 23,474 SH   SOLE   23,474 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,933 13,140 SH   SOLE   13,140 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 364 2,662 SH   SOLE   2,662 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,053 4,369 SH   SOLE   4,369 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 482 2,460 SH   SOLE   2,460 0 0
ISHARES TR MSCI EAFE ETF 464287465 205 2,808 SH   SOLE   2,808 0 0
ISHARES TR 20 YR TR BD ETF 464287432 493 3,124 SH   SOLE   3,124 0 0
ISHARES TR IBOXX INV CP ETF 464287242 235 1,700 SH   SOLE   1,700 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 206 3,988 SH   SOLE   3,988 0 0
ISHARES TR CORE US AGGBD ET 464287226 496 4,198 SH   SOLE   4,198 0 0
ISHARES TR EAFE VALUE ETF 464288877 254 5,387 SH   SOLE   5,387 0 0
ISHARES TR EAFE GRWTH ETF 464288885 273 2,704 SH   SOLE   2,704 0 0
ISHARES TR US AER DEF ETF 464288760 395 4,175 SH   SOLE   4,175 0 0
ISHARES TR MSCI KLD400 SOC 464288570 330 4,607 SH   SOLE   4,607 0 0
ISHARES TR NATIONAL MUN ETF 464288414 676 5,769 SH   SOLE   5,769 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 300 2,775 SH   SOLE   2,775 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,514 28,677 SH   SOLE   28,677 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 229 3,367 SH   SOLE   3,367 0 0
ISHARES TR CORE MSCI EAFE 46432F842 663 9,590 SH   SOLE   9,590 0 0
ISHARES TR MSCI USA MMENTM 46432F396 762 4,725 SH   SOLE   4,725 0 0
ISHARES TR CORE DIV GRWTH 46434V621 827 18,452 SH   SOLE   18,452 0 0
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 501 18,005 SH   SOLE   18,005 0 0
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 467 9,260 SH   SOLE   9,260 0 0
JOHNSON & JOHNSON COM 478160104 1,373 8,727 SH   SOLE   8,727 0 0
JPMORGAN CHASE & CO COM 46625H100 691 5,437 SH   SOLE   5,437 0 0
LILLY ELI & CO COM 532457108 729 4,316 SH   SOLE   4,316 0 0
LOCKHEED MARTIN CORP COM 539830109 758 2,136 SH   SOLE   2,136 0 0
LOWES COS INC COM 548661107 366 2,283 SH   SOLE   2,283 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,403 6,732 SH   SOLE   6,732 0 0
MATINAS BIOPHARMA HLDGS INC COM 576810105 14 10,000 SH   SOLE   10,000 0 0
MCDONALDS CORP COM 580135101 730 3,400 SH   SOLE   3,400 0 0
MERCK & CO. INC COM 58933Y105 991 12,110 SH   SOLE   12,110 0 0
MICROSOFT CORP COM 594918104 11,379 51,159 SH   SOLE   51,159 0 0
MODERNA INC COM 60770K107 281 2,690 SH   SOLE   2,690 0 0
NETFLIX INC COM 64110L106 962 1,780 SH   SOLE   1,780 0 0
NEXTERA ENERGY INC COM 65339F101 1,870 24,235 SH   SOLE   24,235 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 15 2,200 SH Call SOLE   0 0 2,200
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 4 700 SH Call SOLE   0 0 700
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 4 500 SH Call SOLE   0 0 500
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 9 4,500 SH Call SOLE   0 0 4,500
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 167 6,585 SH   SOLE   6,585 0 0
NOVARTIS AG SPONSORED ADR 66987V109 226 2,396 SH   SOLE   2,396 0 0
NVIDIA CORPORATION COM 67066G104 777 1,488 SH   SOLE   1,488 0 0
OCEANFIRST FINL CORP COM 675234108 297 15,950 SH   SOLE   15,950 0 0
PAYCHEX INC COM 704326107 572 6,136 SH   SOLE   6,136 0 0
PAYPAL HLDGS INC COM 70450Y103 326 1,390 SH   SOLE   1,390 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 850 5,600 SH   SOLE   5,600 0 0
PEPSICO INC COM 713448108 906 6,107 SH   SOLE   6,107 0 0
PFIZER INC COM 717081103 802 21,797 SH   SOLE   21,797 0 0
PHILIP MORRIS INTL INC COM 718172109 386 4,657 SH   SOLE   4,657 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 321 3,150 SH   SOLE   3,150 0 0
PNC FINL SVCS GROUP INC COM 693475105 236 1,585 SH   SOLE   1,585 0 0
PPL CORP COM 69351T106 828 29,365 SH   SOLE   29,365 0 0
PROCTER AND GAMBLE CO COM 742718109 1,691 12,154 SH   SOLE   12,154 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 204 2,231 SH   SOLE   2,231 0 0
QUALCOMM INC COM 747525103 1,304 8,561 SH   SOLE   8,561 0 0
QUALIGEN THERAPEUTICS INC COM 74754R103 60 19,957 SH   SOLE   19,957 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,201 24,192 SH   SOLE   24,192 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 832 23,118 SH   SOLE   23,118 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,262 14,178 SH   SOLE   14,178 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 8,020 62,458 SH   SOLE   62,458 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 202 3,401 SH   SOLE   3,401 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 299 5,824 SH   SOLE   5,824 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 252 4,060 SH   SOLE   4,060 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,627 23,867 SH   SOLE   23,867 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 622 11,096 SH   SOLE   11,096 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,801 121,632 SH   SOLE   121,632 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 709 11,315 SH   SOLE   11,315 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 400 3,075 SH   SOLE   3,075 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 245 2,160 SH   SOLE   2,160 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 245 3,634 SH   SOLE   3,634 0 0
SOUTH JERSEY INDS INC COM 838518108 306 14,183 SH   SOLE   14,183 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 611 1,999 SH   SOLE   1,999 0 0
SPDR GOLD TR GOLD SHS 78463V107 254 1,425 SH   SOLE   1,425 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,739 7,327 SH   SOLE   7,327 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 327 779 SH   SOLE   779 0 0
SPDR SER TR S&P DIVID ETF 78464A763 12,690 119,796 SH   SOLE   119,796 0 0
SPDR SER TR S&P BIOTECH 78464A870 329 2,336 SH   SOLE   2,336 0 0
SQUARE INC CL A 852234103 517 2,375 SH   SOLE   2,375 0 0
STARBUCKS CORP COM 855244109 407 3,806 SH   SOLE   3,806 0 0
TESLA INC COM 88160R101 847 1,200 SH   SOLE   1,200 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 847 15,013 SH   SOLE   15,013 0 0
UNITED PARCEL SERVICE INC CL B 911312106 703 4,172 SH   SOLE   4,172 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,082 3,085 SH   SOLE   3,085 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 333 2,144 SH   SOLE   2,144 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,378 8,213 SH   SOLE   8,213 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,864 21,135 SH   SOLE   21,135 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 715 3,676 SH   SOLE   3,676 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 834 7,008 SH   SOLE   7,008 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,962 9,490 SH   SOLE   9,490 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 654 7,696 SH   SOLE   7,696 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,616 39,119 SH   SOLE   39,119 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 826 3,260 SH   SOLE   3,260 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 242 703 SH   SOLE   703 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,211 22,757 SH   SOLE   22,757 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 12,090 85,641 SH   SOLE   85,641 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 438 7,280 SH   SOLE   7,280 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 370 4,041 SH   SOLE   4,041 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,157 5,173 SH   SOLE   5,173 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 854 2,415 SH   SOLE   2,415 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 837 14,243 SH   SOLE   14,243 0 0
VISA INC COM CL A 92826C839 3,559 16,272 SH   SOLE   16,272 0 0
WALMART INC COM 931142103 660 4,582 SH   SOLE   4,582 0 0
WEC ENERGY GROUP INC COM 92939U106 279 3,030 SH   SOLE   3,030 0 0
XCEL ENERGY INC COM 98389B100 266 3,984 SH   SOLE   3,984 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 246 730 SH   SOLE   730 0 0