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
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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 A Stock 02079K305 504 197 SH   SOLE   0 0 197
ALPHABET INC CAP STK CL C Stock 02079K107 351 137 SH   SOLE   0 0 137
ANALOG DEVICES INC COM Stock 032654105 463 2,870 SH   SOLE   0 0 2,870
APPLE INC COM Stock 037833100 1,674 10,010 SH   SOLE   0 0 10,010
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 375 1,075 SH   SOLE   0 0 1,075
CGI INC CL A SUB VTG Stock 12532H104 1,144 14,000 SH   SOLE   0 0 14,000
CVS HEALTH CORP COM Stock 126650100 574 5,385 SH   SOLE   0 0 5,385
HOME DEPOT INC COM Stock 437076102 390 1,239 SH   SOLE   0 0 1,239
INVESCO QQQ TRUST ETF 46090E103 537 1,575 SH   SOLE   0 0 1,575
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 3,918 47,179 SH   SOLE   0 0 47,179
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281 254 2,704 SH   SOLE   0 0 2,704
ISHARES MSCI KLD 400 SOCIAL ETF ETF 464288570 1,109 13,132 SH   SOLE   0 0 13,132
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 1,198 12,587 SH   SOLE   0 0 12,587
ISHARES SHORT TREASURY BOND ETF ETF 464288679 10,332 93,744 SH   SOLE   0 0 93,744
JPMORGAN CHASE & CO COM Stock 46625H100 294 2,233 SH   SOLE   0 0 2,233
KEYCORP COM Stock 493267108 754 34,648 SH   SOLE   0 0 34,648
MICROSOFT CORP COM Stock 594918104 518 1,808 SH   SOLE   0 0 1,808
NEW JERSEY RES CORP COM Stock 646025106 275 5,873 SH   SOLE   0 0 5,873
PROCTER AND GAMBLE CO COM Stock 742718109 213 1,299 SH   SOLE   0 0 1,299
SABA CAPITAL INCOME & OPRNT FD SHARES CEF 78518H103 98 22,667 SH   SOLE   0 0 22,667
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 561 4,508 SH   SOLE   0 0 4,508
SPDR PORTFOLIO S&P 1500 COMPOSITE STOCK MARKET ETF ETF 78464A805 2,426 44,270 SH   SOLE   0 0 44,270
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854 41,128 786,687 SH   SOLE   0 0 786,687
SPDR S&P 500 ETF ETF 78462F103 39,169 88,078 SH   SOLE   0 0 88,078
SPDR S&P DIVIDEND ETF ETF 78464A763 485 3,664 SH   SOLE   0 0 3,664
TEXAS INSTRS INC COM Stock 882508104 257 1,433 SH   SOLE   0 0 1,433
UNION PAC CORP COM Stock 907818108 216 873 SH   SOLE   0 0 873
VANECK MORNINGSTAR WIDE MOAT ETF ETF 92189F643 20,975 283,824 SH   SOLE   0 0 283,824
VANGUARD REAL ESTATE ETF ETF 922908553 207 1,841 SH   SOLE   0 0 1,841
VANGUARD RUSSELL 1000 ETF ETF 92206C730 232 1,140 SH   SOLE   0 0 1,140