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
ALPHABET INC CAP STK CL C Stock 02079K107 390 143 SH   SOLE   0 0 143
ALPHABET INC CAP STK CL A Stock 02079K305 528 194 SH   SOLE   0 0 194
UNION PAC CORP COM Stock 907818108 201 844 SH   SOLE   0 0 844
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 337 1,051 SH   SOLE   0 0 1,051
HOME DEPOT INC COM Stock 437076102 444 1,212 SH   SOLE   0 0 1,211
VANGUARD RUSSELL 1000 ETF ETF 92206C730 259 1,237 SH   SOLE   0 0 1,237
PROCTER AND GAMBLE CO COM Stock 742718109 203 1,296 SH   SOLE   0 0 1,296
MICROSOFT CORP COM Stock 594918104 490 1,620 SH   SOLE   0 0 1,620
TEXAS INSTRS INC COM Stock 882508104 312 1,712 SH   SOLE   0 0 1,712
INVESCO QQQ TRUST ETF 46090E103 637 1,718 SH   SOLE   0 0 1,718
JPMORGAN CHASE & CO COM Stock 46625H100 349 2,305 SH   SOLE   0 0 2,305
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 278 2,674 SH   SOLE   0 0 2,673
ANALOG DEVICES INC COM Stock 032654105 476 2,860 SH   SOLE   0 0 2,860
ISHARES SHORT TREASURY BOND ETF ETF 464288679 358 3,244 SH   SOLE   0 0 3,244
SPDR S&P DIVIDEND ETF ETF 78464A763 473 3,664 SH   SOLE   0 0 3,664
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853 212 4,924 SH   SOLE   0 0 4,924
CVS HEALTH CORP COM Stock 126650100 573 5,482 SH   SOLE   0 0 5,482
NEW JERSEY RES CORP COM Stock 646025106 230 5,876 SH   SOLE   0 0 5,876
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 216 7,471 SH   SOLE   0 0 7,471
PARSONS CORP DEL COM Stock 70202L102 286 8,734 SH   SOLE   0 0 8,734
APPLE INC COM Stock 037833100 1,711 10,075 SH   SOLE   0 0 10,075
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 1,117 11,113 SH   SOLE   0 0 11,113
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 1,012 11,487 SH   SOLE   0 0 11,487
CGI INC CL A SUB VTG Stock 12532H104 1,213 14,000 SH   SOLE   0 0 14,000
SABA CAPITAL INCOME & OPRNT FD SHARES CEF 78518H103 104 22,667 SH   SOLE   0 0 22,667
KEYCORP COM Stock 493267108 921 34,640 SH   SOLE   0 0 34,640
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 2,804 49,897 SH   SOLE   0 0 49,897
SPDR S&P 500 ETF ETF 78462F103 41,558 91,039 SH   SOLE   0 0 91,038
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 19,191 153,016 SH   SOLE   0 0 153,015
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 14,365 168,923 SH   SOLE   0 0 168,922
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 21,070 278,525 SH   SOLE   0 0 278,525
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 41,484 772,947 SH   SOLE   0 0 772,947