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
APPLE INC COM 037833100 4,180 34,222 SH   SOLE   0 0 34,222
AUTOMATIC DATA PROCESSING IN COM 053015103 2,434 12,914 SH   SOLE   0 0 12,914
AMGEN INC COM 031162100 1,181 4,745 SH   SOLE   0 0 4,745
BRISTOL-MYERS SQUIBB CO COM 110122108 541 8,562 SH   SOLE   0 0 8,562
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 336 2,194 SH   SOLE   0 0 2,194
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,708 18,436 SH   SOLE   0 0 18,436
CHECK POINT SOFTWARE TECH LT ORD M22465104 611 5,455 SH   SOLE   0 0 5,455
CIGNA CORP NEW COM 125523100 1,003 4,147 SH   SOLE   0 0 4,147
COLGATE PALMOLIVE CO COM 194162103 1,631 20,686 SH   SOLE   0 0 20,686
CORELOGIC INC COM 21871D103 241 3,040 SH   SOLE   0 0 3,040
CLOROX CO DEL COM 189054109 228 1,180 SH   SOLE   0 0 1,180
CISCO SYS INC COM 17275R102 785 15,172 SH   SOLE   0 0 15,172
CSX CORP COM 126408103 877 9,100 SH   SOLE   0 0 9,100
CHEVRON CORP NEW COM 166764100 671 6,404 SH   SOLE   0 0 6,404
DIAGEO PLC SPON ADR NEW 25243Q205 1,095 6,666 SH   SOLE   0 0 6,666
EBAY INC. COM 278642103 687 11,210 SH   SOLE   0 0 11,210
ENBRIDGE INC COM 29250N105 462 12,706 SH   SOLE   0 0 12,706
ISHARES INC MSCI PAC JP ETF 464286665 15 300 SH   SOLE   0 0 300
EXPEDITORS INTL WASH INC COM 302130109 466 4,325 SH   SOLE   0 0 4,325
FIRST AMERN FINL CORP COM 31847R102 362 6,394 SH   SOLE   0 0 6,394
FASTENAL CO COM 311900104 464 9,230 SH   SOLE   0 0 9,230
FIFTH THIRD BANCORP COM 316773100 310 8,290 SH   SOLE   0 0 8,290
GILEAD SCIENCES INC COM 375558103 488 7,558 SH   SOLE   0 0 7,558
ALPHABET INC CAP STK CL A 02079K305 1,846 895 SH   SOLE   0 0 895
HOME DEPOT INC COM 437076102 3,166 10,372 SH   SOLE   0 0 10,372
INTEL CORP COM 458140100 950 14,840 SH   SOLE   0 0 14,840
JACOBS ENGR GROUP INC COM 469814107 1,454 11,248 SH   SOLE   0 0 11,248
JPMORGAN CHASE & CO COM 46625H100 2,512 16,499 SH   SOLE   0 0 16,499
COCA COLA CO COM 191216100 950 18,017 SH   SOLE   0 0 18,017
LINDE PLC SHS G5494J103 409 1,460 SH   SOLE   0 0 1,460
MCDONALDS CORP COM 580135101 1,040 4,639 SH   SOLE   0 0 4,639
MEDTRONIC PLC SHS G5960L103 1,562 13,224 SH   SOLE   0 0 13,224
NORFOLK SOUTHN CORP COM 655844108 894 3,328 SH   SOLE   0 0 3,328
NOVO-NORDISK A S ADR 670100205 406 6,025 SH   SOLE   0 0 6,025
NOVARTIS AG SPONSORED ADR 66987V109 1,298 15,188 SH   SOLE   0 0 15,188
OTIS WORLDWIDE CORP COM 68902V107 275 4,024 SH   SOLE   0 0 4,024
PEPSICO INC COM 713448108 1,222 8,641 SH   SOLE   0 0 8,641
PFIZER INC COM 717081103 839 23,160 SH   SOLE   0 0 23,160
PROCTER AND GAMBLE CO COM 742718109 1,530 11,298 SH   SOLE   0 0 11,298
PAYPAL HLDGS INC COM 70450Y103 1,710 7,043 SH   SOLE   0 0 7,043
RAYTHEON TECHNOLOGIES CORP COM 75513E101 629 8,143 SH   SOLE   0 0 8,143
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 182 2,500 SH   SOLE   0 0 2,500
SOUTHERN CO COM 842587107 749 12,043 SH   SOLE   0 0 12,043
SPDR S&P 500 ETF TR TR UNIT 78462F103 583 1,470 SH   SOLE   0 0 1,470
TARGET CORP COM 87612E106 785 3,962 SH   SOLE   0 0 3,962
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 314 2,012 SH   SOLE   0 0 2,012
TRIMBLE INC COM 896239100 467 6,000 SH   SOLE   0 0 6,000
UNILEVER PLC SPON ADR NEW 904767704 812 14,545 SH   SOLE   0 0 14,545
UNION PAC CORP COM 907818108 1,263 5,730 SH   SOLE   0 0 5,730
UNITED PARCEL SERVICE INC CL B 911312106 1,694 9,963 SH   SOLE   0 0 9,963
US BANCORP DEL COM NEW 902973304 348 6,291 SH   SOLE   0 0 6,291
VERIZON COMMUNICATIONS INC COM 92343V104 399 6,861 SH   SOLE   0 0 6,861
WALMART INC COM 931142103 1,249 9,197 SH   SOLE   0 0 9,197
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 284 3,600 SH   SOLE   0 0 3,600
SELECT SECTOR SPDR TR ENERGY 81369Y506 531 10,830 SH   SOLE   0 0 10,830
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 866 7,419 SH   SOLE   0 0 7,419
ZOETIS INC CL A 98978V103 581 3,692 SH   SOLE   0 0 3,692
BOOKING HOLDINGS INC COM 09857L108 377 162 SH   SOLE   0 0 162
BLACKROCK INC COM 09247X101 491 651 SH   SOLE   0 0 651
FEDEX CORP COM 31428X106 504 1,776 SH   SOLE   0 0 1,776
IDEXX LABS INC COM 45168D104 620 1,268 SH   SOLE   0 0 1,268
KIMBERLY-CLARK CORP COM 494368103 764 5,492 SH   SOLE   0 0 5,492
3M CO COM 88579Y101 1,475 7,657 SH   SOLE   0 0 7,657
MICROSOFT CORP COM 594918104 3,557 15,088 SH   SOLE   0 0 15,088
WATERS CORP COM 941848103 884 3,110 SH   SOLE   0 0 3,110
APPLIED MATLS INC COM 038222105 2,003 14,993 SH   SOLE   0 0 14,993
COSTCO WHSL CORP NEW COM 22160K105 488 1,385 SH   SOLE   0 0 1,385
DISNEY WALT CO COM 254687106 1,657 8,979 SH   SOLE   0 0 8,979
JOHNSON & JOHNSON COM 478160104 2,780 16,913 SH   SOLE   0 0 16,913
LOWES COS INC COM 548661107 2,008 10,556 SH   SOLE   0 0 10,556
MSC INDL DIRECT INC CL A 553530106 464 5,149 SH   SOLE   0 0 5,149
MAXIM INTEGRATED PRODS INC COM 57772K101 320 3,500 SH   SOLE   0 0 3,500
NIKE INC CL B 654106103 1,076 8,097 SH   SOLE   0 0 8,097
SCHWAB CHARLES CORP COM 808513105 331 5,079 SH   SOLE   0 0 5,079
STRYKER CORPORATION COM 863667101 579 2,378 SH   SOLE   0 0 2,378
EXXON MOBIL CORP COM 30231G102 951 17,033 SH   SOLE   0 0 17,033
ABBVIE INC COM 00287Y109 1,873 17,308 SH   SOLE   0 0 17,308
ABBOTT LABS COM 002824100 1,820 15,185 SH   SOLE   0 0 15,185
AMERICAN EXPRESS CO COM 025816109 349 2,466 SH   SOLE   0 0 2,466
FACEBOOK INC CL A 30303M102 215 730 SH   SOLE   0 0 730
GENERAL ELECTRIC CO COM 369604103 393 29,925 SH   SOLE   0 0 29,925
SPDR GOLD TR GOLD SHS 78463V107 1,725 10,783 SH   SOLE   0 0 10,783
VULCAN MATLS CO COM 929160109 670 3,968 SH   SOLE   0 0 3,968
INTERNATIONAL BUSINESS MACHS COM 459200101 382 2,869 SH   SOLE   0 0 2,869
GENERAL DYNAMICS CORP COM 369550108 260 1,433 SH   SOLE   0 0 1,433
MASTERCARD INCORPORATED CL A 57636Q104 722 2,027 SH   SOLE   0 0 2,027
AT&T INC COM 00206R102 427 14,106 SH   SOLE   0 0 14,106
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 9,829 62,898 SH   SOLE   0 0 62,898
MERCK & CO. INC COM 58933Y105 320 4,146 SH   SOLE   0 0 4,146
ALPHABET INC CAP STK CL C 02079K107 594 287 SH   SOLE   0 0 287
ILLINOIS TOOL WKS INC COM 452308109 564 2,544 SH   SOLE   0 0 2,544
ORACLE CORP COM 68389X105 388 5,529 SH   SOLE   0 0 5,529
PAYCHEX INC COM 704326107 244 2,494 SH   SOLE   0 0 2,494
STARBUCKS CORP COM 855244109 508 4,651 SH   SOLE   0 0 4,651
VISA INC COM CL A 92826C839 333 1,574 SH   SOLE   0 0 1,574
SPDR SER TR S&P DIVID ETF 78464A763 1,891 16,022 SH   SOLE   0 0 16,022
DEERE & CO COM 244199105 458 1,225 SH   SOLE   0 0 1,225
TEXAS INSTRS INC COM 882508104 894 4,730 SH   SOLE   0 0 4,730
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 5,191 35,292 SH   SOLE   0 0 35,292
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,439 18,997 SH   SOLE   0 0 18,997
AMERICAN ELEC PWR CO INC COM 025537101 457 5,393 SH   SOLE   0 0 5,393
SYSCO CORP COM 871829107 464 5,889 SH   SOLE   0 0 5,889
AMAZON COM INC COM 023135106 541 175 SH   SOLE   0 0 175
ISHARES TR MSCI EAFE ETF 464287465 508 6,697 SH   SOLE   0 0 6,697
ALTRIA GROUP INC COM 02209S103 315 6,150 SH   SOLE   0 0 6,150
MODERNA INC COM 60770K107 434 3,315 SH   SOLE   0 0 3,315
OREILLY AUTOMOTIVE INC COM 67103H107 304 600 SH   SOLE   0 0 600
CIMAREX ENERGY CO COM 171798101 328 5,525 SH   SOLE   0 0 5,525
ISHARES GOLD TR ISHARES 464285105 476 29,250 SH   SOLE   0 0 29,250
ISHARES TR NASDAQ BIOTECH 464287556 78 520 SH   SOLE   0 0 520
ISHARES SILVER TR ISHARES 46428Q109 291 12,800 SH   SOLE   0 0 12,800
CATERPILLAR INC COM 149123101 503 2,170 SH   SOLE   0 0 2,170
WASTE MGMT INC DEL COM 94106L109 601 4,655 SH   SOLE   0 0 4,655
ZIMMER BIOMET HOLDINGS INC COM 98956P102 445 2,779 SH   SOLE   0 0 2,779
BOSTON SCIENTIFIC CORP COM 101137107 308 7,970 SH   SOLE   0 0 7,970
CINTAS CORP COM 172908105 447 1,310 SH   SOLE   0 0 1,310
ISHARES TR SELECT DIVID ETF 464287168 2,035 17,834 SH   SOLE   0 0 17,834
ISHARES TR MSCI EMG MKT ETF 464287234 31 580 SH   SOLE   0 0 580
NEW JERSEY RES CORP COM 646025106 251 6,294 SH   SOLE   0 0 6,294
ISHARES TR EUROPE ETF 464287861 20 400 SH   SOLE   0 0 400
ISHARES TR U.S. ENERGY ETF 464287796 5 175 SH   SOLE   0 0 175
ISHARES TR US HLTHCARE ETF 464287762 13 50 SH   SOLE   0 0 50
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 72 1,375 SH   SOLE   0 0 1,375
GENERAL MLS INC COM 370334104 353 5,756 SH   SOLE   0 0 5,756
ISHARES TR RUS 1000 VAL ETF 464287598 30 200 SH   SOLE   0 0 200
ISHARES TR RUSSELL 2000 ETF 464287655 157 710 SH   SOLE   0 0 710
SPDR SER TR DJ REIT ETF 78464A607 10 105 SH   SOLE   0 0 105
ISHARES TR CORE S&P MCP ETF 464287507 298 1,145 SH   SOLE   0 0 1,145
ISHARES TR CORE S&P500 ETF 464287200 407 1,024 SH   SOLE   0 0 1,024
CONSTELLATION BRANDS INC CL A 21036P108 1,248 5,475 SH   SOLE   0 0 5,475
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 457 959 SH   SOLE   0 0 959
NUVEEN AMT FREE QLTY MUN INC COM 670657105 349 23,554 SH   SOLE   0 0 23,554
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 10 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 17 175 SH   SOLE   0 0 175
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 10 75 SH   SOLE   0 0 75
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7 100 SH   SOLE   0 0 100
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10 100 SH   SOLE   0 0 100
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,039 16,567 SH   SOLE   0 0 16,567
ISHARES INC MSCI EMERG MRKT 464286533 501 7,925 SH   SOLE   0 0 7,925
BK OF AMERICA CORP COM 060505104 474 12,258 SH   SOLE   0 0 12,258
EQUIFAX INC COM 294429105 525 2,900 SH   SOLE   0 0 2,900
ISHARES INC MSCI BRAZIL ETF 464286400 33 1,000 SH   SOLE   0 0 1,000
MARSH & MCLENNAN COS INC COM 571748102 297 2,436 SH   SOLE   0 0 2,436
SYNOPSYS INC COM 871607107 471 1,900 SH   SOLE   0 0 1,900
MERCADOLIBRE INC COM 58733R102 206 140 SH   SOLE   0 0 140
ISHARES TR CORE S&P SCP ETF 464287804 253 2,330 SH   SOLE   0 0 2,330
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 11 185 SH   SOLE   0 0 185
HONEYWELL INTL INC COM 438516106 311 1,432 SH   SOLE   0 0 1,432