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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 218 1,120 SH   SOLE   0 0 1,120
ALPHABET INC CAP STK CL A 02079K305 351 302 SH   SOLE   0 0 302
ALPHABET INC CAP STK CL C 02079K107 271 233 SH   SOLE   0 0 233
AMAZON COM INC COM 023135106 936 480 SH   SOLE   0 0 480
AMERICAN ELEC PWR CO INC COM 025537101 293 3,665 SH   SOLE   0 0 3,665
AMGEN INC COM 031162100 1,150 5,672 SH   SOLE   0 0 5,672
APPLE INC COM 037833100 3,089 12,149 SH   SOLE   0 0 12,149
AT&T INC COM 00206R102 382 13,098 SH   SOLE   0 0 13,098
BK OF AMERICA CORP COM 060505104 270 12,715 SH   SOLE   0 0 12,715
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 716 3,914 SH   SOLE   0 0 3,914
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102 275 21,707 SH   SOLE   0 0 21,707
BOEING CO COM 097023105 267 1,788 SH   SOLE   0 0 1,788
CAMPBELL SOUP CO COM 134429109 247 5,350 SH   SOLE   0 0 5,350
CARPENTER TECHNOLOGY CORP COM 144285103 195 10,000 SH   SOLE   0 0 10,000
CHESAPEAKE ENERGY CORP COM 165167107 2 10,600 SH   SOLE   0 0 10,600
COCA COLA CO COM 191216100 408 9,212 SH   SOLE   0 0 9,212
COMCAST CORP NEW CL A 20030N101 240 6,974 SH   SOLE   0 0 6,974
ESSENTIAL UTILS INC COM 29670G102 373 9,161 SH   SOLE   0 0 9,161
EXXON MOBIL CORP COM 30231G102 835 21,992 SH   SOLE   0 0 21,992
FIRST BANK WILLIAMSTOWN NJ COM 31931U102 84 12,065 SH   SOLE   0 0 12,065
GENERAL ELECTRIC CO COM 369604103 138 17,538 SH   SOLE   0 0 17,538
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 268 7,061 SH   SOLE   0 0 7,061
HUNTINGTON INGALLS INDS INC COM 446413106 38,784 212,855 SH   SOLE   0 0 212,855
INTERNATIONAL BUSINESS MACHS COM 459200101 282 2,544 SH   SOLE   0 0 2,544
INVESCO QQQ TR UNIT SER 1 46090E103 1,206 6,335 SH   SOLE   0 0 6,335
ISHARES TR CORE MSCI EAFE 46432F842 2,553 51,166 SH   SOLE   0 0 51,166
ISHARES TR CORE S&P500 ETF 464287200 473 1,830 SH   SOLE   0 0 1,830
ISHARES TR MIN VOL EAFE ETF 46429B689 677 10,907 SH   SOLE   0 0 10,907
ISHARES INC MIN VOL EMRG MKT 464286533 642 13,686 SH   SOLE   0 0 13,686
ISHARES TR MSCI MIN VOL ETF 46429B697 1,847 34,206 SH   SOLE   0 0 34,206
ISHARES TR RUS 1000 GRW ETF 464287614 2,935 19,483 SH   SOLE   0 0 19,483
ISHARES TR RUS 1000 VAL ETF 464287598 503 5,073 SH   SOLE   0 0 5,073
ISHARES TR RUSSELL 2000 ETF 464287655 806 7,042 SH   SOLE   0 0 7,042
ISHARES TR RUS MID CAP ETF 464287499 7,539 174,634 SH   SOLE   0 0 174,634
JOHN HANCOCK ETF TRUST MULTIFACTR SML 47804J842 254 13,350 SH   SOLE   0 0 13,350
JOHNSON & JOHNSON COM 478160104 10,386 79,207 SH   SOLE   0 0 79,207
KIMBERLY CLARK CORP COM 494368103 450 3,521 SH   SOLE   0 0 3,521
MEDTRONIC PLC SHS G5960L103 533 5,915 SH   SOLE   0 0 5,915
MERCK & CO. INC COM 58933Y105 730 9,488 SH   SOLE   0 0 9,488
MICROSOFT CORP COM 594918104 869 5,512 SH   SOLE   0 0 5,512
ORACLE CORP COM 68389X105 222 4,593 SH   SOLE   0 0 4,593
PEPSICO INC COM 713448108 209 1,744 SH   SOLE   0 0 1,744
PFIZER INC COM 717081103 454 13,909 SH   SOLE   0 0 13,909
PHILIP MORRIS INTL INC COM 718172109 226 3,091 SH   SOLE   0 0 3,091
PIMCO ETF TR INV GRD CRP BD 72201R817 291 2,745 SH   SOLE   0 0 2,745
INVESCO EXCHANGE-TRADED FD T S&P500 LOW VOL 46138E354 5,286 112,660 SH   SOLE   0 0 112,660
PPL CORP COM 69351T106 218 8,837 SH   SOLE   0 0 8,837
PROCTER & GAMBLE CO COM 742718109 1,585 14,411 SH   SOLE   0 0 14,411
RPM INTL INC COM 749685103 411 6,907 SH   SOLE   0 0 6,907
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 301 14,527 SH   SOLE   0 0 14,527
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 224 3,815 SH   SOLE   0 0 3,815
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 733 28,362 SH   SOLE   0 0 28,362
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 4,674 77,352 SH   SOLE   0 0 77,352
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 402 5,049 SH   SOLE   0 0 5,049
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 405 9,142 SH   SOLE   0 0 9,142
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 215 5,101 SH   SOLE   0 0 5,101
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 240 4,667 SH   SOLE   0 0 4,667
SEI INVESTMENTS CO COM 784117103 469 10,117 SH   SOLE   0 0 10,117
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 262 1,196 SH   SOLE   0 0 1,196
SPDR GOLD TRUST GOLD SHS 78463V107 1,621 10,948 SH   SOLE   0 0 10,948
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,814 10,918 SH   SOLE   0 0 10,918
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 213 809 SH   SOLE   0 0 809
STRYKER CORP COM 863667101 4,813 28,909 SH   SOLE   0 0 28,909
UNITEDHEALTH GROUP INC COM 91324P102 201 808 SH   SOLE   0 0 808
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 675 2,852 SH   SOLE   0 0 2,852
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,278 12,361 SH   SOLE   0 0 12,361
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 311 3,972 SH   SOLE   0 0 3,972
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,001 60,015 SH   SOLE   0 0 60,015
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,669 79,552 SH   SOLE   0 0 79,552
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 254 5,922 SH   SOLE   0 0 5,922
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 298 4,273 SH   SOLE   0 0 4,273
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 29,419 190,195 SH   SOLE   0 0 190,195
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 19,152 220,084 SH   SOLE   0 0 220,084
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 307 3,733 SH   SOLE   0 0 3,733
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 341 7,007 SH   SOLE   0 0 7,007
VANGUARD INDEX FDS SM CP VAL ETF 922908611 392 4,418 SH   SOLE   0 0 4,418
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,344 20,309 SH   SOLE   0 0 20,309
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,459 34,591 SH   SOLE   0 0 34,591
VANGUARD INDEX FDS VALUE ETF 922908744 285 3,204 SH   SOLE   0 0 3,204
VEREIT INC COM 92339V100 133 27,223 SH   SOLE   0 0 27,223
WALMART INC COM 931142103 560 4,925 SH   SOLE   0 0 4,925
WEST PHARMACEUTICAL SVSC INC COM 955306105 6,588 43,272 SH   SOLE   0 0 43,272
WISDOMTREE TR EMER MKT HIGH FD 97717W315 262 8,134 SH   SOLE   0 0 8,134
ZYNGA INC CL A 98986T108 125 18,281 SH   SOLE   0 0 18,281