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 436 2,261 SH   SOLE   2,261 0 0
ABBOTT LABS COM 002824100 287 2,398 SH   SOLE   2,398 0 0
ABBVIE INC COM 00287Y109 618 5,711 SH   SOLE   5,711 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,475 10,917 SH   SOLE   10,917 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2 100 SH Call SOLE   0 0 100
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2 200 SH Call SOLE   0 0 200
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 6 400 SH Call SOLE   0 0 400
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 8 200 SH Call SOLE   0 0 200
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 6 100 SH Call SOLE   0 0 100
ALPHABET INC CAP STK CL A 02079K305 6,198 3,005 SH   SOLE   3,005 0 0
ALPHABET INC CAP STK CL C 02079K107 2,842 1,374 SH   SOLE   1,374 0 0
ALTRIA GROUP INC COM 02209S103 342 6,693 SH   SOLE   6,693 0 0
AMAZON COM INC COM 023135106 19,849 6,415 SH   SOLE   6,415 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 232 5,026 SH   SOLE   5,026 0 0
AMGEN INC COM 031162100 248 995 SH   SOLE   995 0 0
APPLE INC COM 037833100 22,938 187,786 SH   SOLE   187,786 0 0
APPLE INC COM 037833100 32 1,200 SH Call SOLE   0 0 1,200
APPLE INC COM 037833100 25 1,200 SH Call SOLE   0 0 1,200
APPLE INC COM 037833100 18 700 SH Call SOLE   0 0 700
APPLE INC COM 037833100 0 100 SH Call SOLE   0 0 100
ARK ETF TR INNOVATION ETF 00214Q104 297 2,472 SH   SOLE   2,472 0 0
AT&T INC COM 00206R102 1,028 33,962 SH   SOLE   33,962 0 0
BECTON DICKINSON & CO COM 075887109 220 905 SH   SOLE   905 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,104 8,237 SH   SOLE   8,237 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 771 2 SH   SOLE   2 0 0
BK OF AMERICA CORP COM 060505104 1,356 35,036 SH   SOLE   35,036 0 0
BOEING CO COM 097023105 954 3,746 SH   SOLE   3,746 0 0
BOEING CO COM 097023105 11 100 SH Call SOLE   0 0 100
BRISTOL-MYERS SQUIBB CO COM 110122108 221 3,506 SH   SOLE   3,506 0 0
BROADCOM INC COM 11135F101 875 1,888 SH   SOLE   1,888 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 668 15,000 SH   SOLE   15,000 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 59 2,208 SH   SOLE   2,208 0 0
CARNIVAL CORP UNIT 99/99/9999 143658300 13 1,900 SH Call SOLE   0 0 1,900
CARNIVAL CORP UNIT 99/99/9999 143658300 22 9,500 SH Call SOLE   0 0 9,500
CARNIVAL CORP UNIT 99/99/9999 143658300 6 1,400 SH Call SOLE   0 0 1,400
CATERPILLAR INC COM 149123101 814 3,512 SH   SOLE   3,512 0 0
CHEVRON CORP NEW COM 166764100 851 8,118 SH   SOLE   8,118 0 0
CISCO SYS INC COM 17275R102 451 8,714 SH   SOLE   8,714 0 0
CLOROX CO DEL COM 189054109 516 2,675 SH   SOLE   2,675 0 0
COCA COLA CO COM 191216100 726 13,778 SH   SOLE   13,778 0 0
COMCAST CORP NEW CL A 20030N101 892 16,480 SH   SOLE   16,480 0 0
CONOCOPHILLIPS COM 20825C104 289 5,454 SH   SOLE   5,454 0 0
COSTCO WHSL CORP NEW COM 22160K105 352 1,000 SH   SOLE   1,000 0 0
CVS HEALTH CORP COM 126650100 464 6,174 SH   SOLE   6,174 0 0
CVS HEALTH CORP COM 126650100 4 200 SH Call SOLE   0 0 200
DANAHER CORPORATION COM 235851102 260 1,154 SH   SOLE   1,154 0 0
DEERE & CO COM 244199105 799 2,135 SH   SOLE   2,135 0 0
DISNEY WALT CO COM 254687106 2,428 13,158 SH   SOLE   13,158 0 0
DISNEY WALT CO COM 254687106 4 200 SH Call SOLE   0 0 200
DISNEY WALT CO COM 254687106 4 200 SH Call SOLE   0 0 200
DOMINION ENERGY INC COM 25746U109 435 5,731 SH   SOLE   5,731 0 0
DRAFTKINGS INC COM CL A 26142R104 308 5,020 SH   SOLE   5,020 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 280 2,901 SH   SOLE   2,901 0 0
ENTERCOM COMMUNICATIONS CORP CL A 293639100 136 25,825 SH   SOLE   25,825 0 0
ENTERCOM COMMUNICATIONS CORP CL A 293639100 1 1,000 SH Call SOLE   0 0 1,000
EXELON CORP COM 30161N101 306 7,005 SH   SOLE   7,005 0 0
EXXON MOBIL CORP COM 30231G102 1,293 23,168 SH   SOLE   23,168 0 0
FACEBOOK INC CL A 30303M102 3,506 11,905 SH   SOLE   11,905 0 0
FEDEX CORP COM 31428X106 306 1,076 SH   SOLE   1,076 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 1,611 3,137 SH   SOLE   3,137 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 739 36,660 SH   SOLE   36,660 0 0
FISERV INC COM 337738108 333 2,794 SH   SOLE   2,794 0 0
FORD MTR CO DEL COM 345370860 338 27,617 SH   SOLE   27,617 0 0
GENERAL ELECTRIC CO COM 369604103 244 18,599 SH   SOLE   18,599 0 0
GENERAL MTRS CO COM 37045V100 244 4,244 SH   SOLE   4,244 0 0
GENERAL MTRS CO COM 37045V100 3 1,000 SH Call SOLE   0 0 1,000
GOLDMAN SACHS GROUP INC COM 38141G104 261 798 SH   SOLE   798 0 0
HOME DEPOT INC COM 437076102 3,977 13,029 SH   SOLE   13,029 0 0
HONEYWELL INTL INC COM 438516106 1,028 4,734 SH   SOLE   4,734 0 0
INTEL CORP COM 458140100 836 13,061 SH   SOLE   13,061 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 442 3,313 SH   SOLE   3,313 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 150 10,000 SH   SOLE   10,000 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 331 5,690 SH   SOLE   5,690 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,307 9,228 SH   SOLE   9,228 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 448 2,954 SH   SOLE   2,954 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 840 3,132 SH   SOLE   3,132 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 8,102 25,387 SH   SOLE   25,387 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,213 16,185 SH   SOLE   16,185 0 0
ISHARES TR S&P MC 400VL ETF 464287705 314 3,084 SH   SOLE   3,084 0 0
ISHARES TR S&P MC 400GR ETF 464287606 592 7,555 SH   SOLE   7,555 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,491 22,950 SH   SOLE   22,950 0 0
ISHARES TR CORE S&P500 ETF 464287200 5,471 13,751 SH   SOLE   13,751 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 403 2,662 SH   SOLE   2,662 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,042 4,287 SH   SOLE   4,287 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 532 2,410 SH   SOLE   2,410 0 0
ISHARES TR MSCI EAFE ETF 464287465 213 2,808 SH   SOLE   2,808 0 0
ISHARES TR RUS MID CAP ETF 464287499 203 2,750 SH   SOLE   2,750 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,897 14,008 SH   SOLE   14,008 0 0
ISHARES TR IBOXX INV CP ETF 464287242 225 1,726 SH   SOLE   1,726 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 271 5,078 SH   SOLE   5,078 0 0
ISHARES TR CORE US AGGBD ET 464287226 478 4,198 SH   SOLE   4,198 0 0
ISHARES TR SELECT DIVID ETF 464287168 295 2,582 SH   SOLE   2,582 0 0
ISHARES TR EAFE VALUE ETF 464288877 275 5,387 SH   SOLE   5,387 0 0
ISHARES TR EAFE GRWTH ETF 464288885 276 2,749 SH   SOLE   2,749 0 0
ISHARES TR US AER DEF ETF 464288760 409 3,931 SH   SOLE   3,931 0 0
ISHARES TR CORE S&P TTL STK 464287150 203 2,215 SH   SOLE   2,215 0 0
ISHARES TR MSCI KLD400 SOC 464288570 326 4,274 SH   SOLE   4,274 0 0
ISHARES TR NATIONAL MUN ETF 464288414 611 5,267 SH   SOLE   5,267 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 208 1,925 SH   SOLE   1,925 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,721 28,677 SH   SOLE   28,677 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 233 3,366 SH   SOLE   3,366 0 0
ISHARES TR CORE MSCI EAFE 46432F842 819 11,369 SH   SOLE   11,369 0 0
ISHARES TR MSCI USA MMENTM 46432F396 785 4,880 SH   SOLE   4,880 0 0
ISHARES TR CORE DIV GRWTH 46434V621 891 18,452 SH   SOLE   18,452 0 0
J P MORGAN EXCHANGE-TRADED F US AGGREGATE 46641Q613 545 20,300 SH   SOLE   20,300 0 0
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 452 9,010 SH   SOLE   9,010 0 0
JOHNSON & JOHNSON COM 478160104 1,489 9,062 SH   SOLE   9,062 0 0
JPMORGAN CHASE & CO COM 46625H100 843 5,538 SH   SOLE   5,538 0 0
LILLY ELI & CO COM 532457108 808 4,327 SH   SOLE   4,327 0 0
LOCKHEED MARTIN CORP COM 539830109 828 2,241 SH   SOLE   2,241 0 0
LOWES COS INC COM 548661107 429 2,258 SH   SOLE   2,258 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,476 6,953 SH   SOLE   6,953 0 0
MATINAS BIOPHARMA HLDGS INC COM 576810105 11 10,000 SH   SOLE   10,000 0 0
MCDONALDS CORP COM 580135101 753 3,361 SH   SOLE   3,361 0 0
MERCK & CO. INC COM 58933Y105 1,048 13,592 SH   SOLE   13,592 0 0
MICROSOFT CORP COM 594918104 11,831 50,178 SH   SOLE   50,178 0 0
MODERNA INC COM 60770K107 276 2,105 SH   SOLE   2,105 0 0
NETFLIX INC COM 64110L106 858 1,645 SH   SOLE   1,645 0 0
NEXTERA ENERGY INC COM 65339F101 1,829 24,183 SH   SOLE   24,183 0 0
NORFOLK SOUTHN CORP COM 655844108 218 813 SH   SOLE   813 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 217 7,860 SH   SOLE   7,860 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 3 700 SH Call SOLE   0 0 700
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 6 1,000 SH Call SOLE   0 0 1,000
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 5 1,000 SH Call SOLE   0 0 1,000
NOVARTIS AG SPONSORED ADR 66987V109 205 2,396 SH   SOLE   2,396 0 0
NVIDIA CORPORATION COM 67066G104 845 1,582 SH   SOLE   1,582 0 0
OCEANFIRST FINL CORP COM 675234108 269 11,249 SH   SOLE   11,249 0 0
PAYCHEX INC COM 704326107 552 5,636 SH   SOLE   5,636 0 0
PAYPAL HLDGS INC COM 70450Y103 523 2,155 SH   SOLE   2,155 0 0
PAYPAL HLDGS INC COM 70450Y103 0 100 SH Call SOLE   0 0 100
PELOTON INTERACTIVE INC CL A COM 70614W100 549 4,885 SH   SOLE   4,885 0 0
PEPSICO INC COM 713448108 847 5,988 SH   SOLE   5,988 0 0
PFIZER INC COM 717081103 771 21,294 SH   SOLE   21,294 0 0
PHILIP MORRIS INTL INC COM 718172109 369 4,162 SH   SOLE   4,162 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 265 1,510 SH   SOLE   1,510 0 0
PPL CORP COM 69351T106 853 29,565 SH   SOLE   29,565 0 0
PROCTER AND GAMBLE CO COM 742718109 1,648 12,165 SH   SOLE   12,165 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 220 2,150 SH   SOLE   2,150 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 205 3,410 SH   SOLE   3,410 0 0
QUALCOMM INC COM 747525103 1,122 8,465 SH   SOLE   8,465 0 0
QUALIGEN THERAPEUTICS INC COM 74754R103 54 19,957 SH   SOLE   19,957 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,361 24,415 SH   SOLE   24,415 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 934 24,828 SH   SOLE   24,828 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,555 15,597 SH   SOLE   15,597 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 8,617 66,399 SH   SOLE   66,399 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 235 3,602 SH   SOLE   3,602 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 237 3,883 SH   SOLE   3,883 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,977 26,556 SH   SOLE   26,556 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 579 10,740 SH   SOLE   10,740 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 9,935 136,246 SH   SOLE   136,246 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 709 11,065 SH   SOLE   11,065 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 227 6,654 SH   SOLE   6,654 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 284 2,886 SH   SOLE   2,886 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 317 2,387 SH   SOLE   2,387 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 258 2,207 SH   SOLE   2,207 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 265 3,614 SH   SOLE   3,614 0 0
SOUTH JERSEY INDS INC COM 838518108 384 17,021 SH   SOLE   17,021 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 702 2,127 SH   SOLE   2,127 0 0
SPDR GOLD TR GOLD SHS 78463V107 714 4,464 SH   SOLE   4,464 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,930 7,392 SH   SOLE   7,392 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 307 645 SH   SOLE   645 0 0
SPDR SER TR S&P DIVID ETF 78464A763 14,291 121,083 SH   SOLE   121,083 0 0
SPDR SER TR S&P BIOTECH 78464A870 357 2,635 SH   SOLE   2,635 0 0
SQUARE INC CL A 852234103 517 2,275 SH   SOLE   2,275 0 0
STARBUCKS CORP COM 855244109 413 3,782 SH   SOLE   3,782 0 0
TARGET CORP COM 87612E106 249 1,257 SH   SOLE   1,257 0 0
TESLA INC COM 88160R101 1,183 1,771 SH   SOLE   1,771 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 626 9,598 SH   SOLE   9,598 0 0
UNITED PARCEL SERVICE INC CL B 911312106 690 4,061 SH   SOLE   4,061 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,134 3,047 SH   SOLE   3,047 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 378 2,144 SH   SOLE   2,144 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,634 8,213 SH   SOLE   8,213 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,762 20,800 SH   SOLE   20,800 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 827 3,999 SH   SOLE   3,999 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 921 7,008 SH   SOLE   7,008 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,127 9,609 SH   SOLE   9,609 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 735 7,996 SH   SOLE   7,996 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,384 39,161 SH   SOLE   39,161 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 838 3,260 SH   SOLE   3,260 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 255 699 SH   SOLE   699 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,073 22,283 SH   SOLE   22,283 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 309 3,745 SH   SOLE   3,745 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 13,183 89,634 SH   SOLE   89,634 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 519 8,274 SH   SOLE   8,274 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 409 4,044 SH   SOLE   4,044 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,183 5,173 SH   SOLE   5,173 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 866 2,415 SH   SOLE   2,415 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 831 14,284 SH   SOLE   14,284 0 0
VIATRIS INC COM 92556V106 161 11,557 SH   SOLE   11,557 0 0
VISA INC COM CL A 92826C839 3,498 16,520 SH   SOLE   16,520 0 0
WALMART INC COM 931142103 687 5,057 SH   SOLE   5,057 0 0
WEC ENERGY GROUP INC COM 92939U106 284 3,030 SH   SOLE   3,030 0 0
XCEL ENERGY INC COM 98389B100 265 3,984 SH   SOLE   3,984 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 282 877 SH   SOLE   877 0 0