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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ANALOG DEVICES INC COM 032654105   521,058 2,787 SH   DFND 1, 2 0 10 2,787
APPLE INC COM 037833100   1,897,912 11,480 SH   DFND 1, 2 0 176 11,480
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   313,334 961 SH   DFND 1 0 20 961
CVS HEALTH CORP COM 126650100   374,397 5,098 SH   DFND 2 0 0 5,098
CHEVRON CORP NEW COM 166764100   204,919 1,195 SH   DFND 1 0 24 1,195
HOME DEPOT INC COM 437076102   400,468 1,328 SH   DFND 1, 2 0 8 1,328
ISHARES TR CORE S&P500 ETF 464287200   214,490 518 SH   SOLE   0 0 518
ISHARES TR 1 3 YR TREAS BD 464287457   422,747 5,155 SH   SOLE   0 0 5,155
ISHARES TR CORE S&P MCP ETF 464287507   2,920,030 11,725 SH   SOLE   0 0 11,725
ISHARES TR MSCI KLD400 SOC 464288570   1,463,026 18,851 SH   SOLE   0 0 18,851
ISHARES TR SHORT TREAS BD 464288679   22,198,741 201,113 SH   SOLE   0 0 201,113
ISHARES TR MSCI USA ESG SLC 464288802   1,434,431 16,401 SH   SOLE   0 0 16,401
MICROSOFT CORP COM 594918104   534,236 1,896 SH   DFND 1, 2 0 86 1,896
NEW JERSEY RES CORP COM 646025106   312,060 5,868 SH   DFND 2 0 0 5,868
UNION PAC CORP COM 907818108   216,903 1,083 SH   DFND 1, 2 0 9 1,083
ALPHABET INC CAP STK CL C 02079K107   314,787 2,948 SH   DFND 1, 2 0 54 2,948
ALPHABET INC CAP STK CL A 02079K305   498,907 4,708 SH   DFND 1, 2 0 74 4,708
CGI INC CL A SUB VTG 12532H104   1,380,820 14,000 SH   SOLE   0 0 14,000
DNP SELECT INCOME FD INC COM 23325P104   435,010 41,000 SH   SOLE   0 0 41,000
EXXON MOBIL CORP COM 30231G102   472,432 4,003 SH   DFND 1 0 49 4,003
INVESCO QQQ TR UNIT SER 1 46090E103   334,921 1,060 SH   SOLE   0 0 1,060
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,169,214 48,495 SH   SOLE   0 0 48,495
ISHARES TR ESG AWARE MSCI 46435U663   298,062 8,821 SH   SOLE   0 0 8,821
JPMORGAN CHASE & CO COM 46625H100   257,501 1,830 SH   DFND 1 0 34 1,830
PARSONS CORP DEL COM 70202L102   225,562 5,036 SH   DFND 2 0 0 5,036
SPDR S&P 500 ETF TR TR UNIT 78462F103   18,216,876 44,152 SH   SOLE   0 0 44,152
SPDR SER TR S&P DIVID ETF 78464A763   382,127 3,064 SH   SOLE   0 0 3,064
SPDR SER TR PORTFOLI S&P1500 78464A805   1,969,491 38,786 SH   SOLE   0 0 38,786
SPDR SER TR S&P 600 SML CAP 78464A813   2,852,538 34,557 SH   SOLE   0 0 34,557
SPDR SER TR PORTFOLIO S&P500 78464A854   24,564,987 506,312 SH   SOLE   0 0 506,312
SPDR SER TR MSCI USA STRTGIC 78468R812   251,142 2,143 SH   SOLE   0 0 2,143
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   20,464,094 629,471 SH   SOLE   0 0 629,471
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   27,359,679 371,216 SH   SOLE   0 0 371,216
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   213,579 1,140 SH   SOLE   0 0 1,140