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
APPLE INC Com 037833100 1,655 9,480 SH   SOLE   0 0 9,480
AUTOMATIC DATA PROCESSING IN Com 053015103 271 1,185 SH   SOLE   0 0 1,185
AMAZON COM INC Com 023135106 385 118 SH   SOLE   0 0 118
ISHARES INC MSCI EMG MKT ETF 464287234 400 8,866 SH   SOLE   0 0 8,866
ISHARES INC MSCI EAFE ETF 464287465 6,041 82,079 SH   SOLE   0 0 82,079
VANGUARD WORLD FD ESG US STK ETF 921910733 311 3,835 SH   SOLE   0 0 3,835
ALPHABET INC CAP STK CL A 02079K305 317 114 SH   SOLE   0 0 114
HOME DEPOT INC Com 437076102 381 1,272 SH   SOLE   0 0 1,272
ISHARES TR CORE S&P500 ETF 464287200 8,735 19,254 SH   SOLE   0 0 19,254
ISHARES TR RUSSELL 2000 ETF 464287655 695 3,386 SH   SOLE   0 0 3,386
MICROSOFT Com 594918104 413 1,339 SH   SOLE   0 0 1,339
OCEANFIRST FINL CORP Com 675234108 244 12,144 SH   SOLE   0 0 12,144
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 36 20,000 SH   SOLE   0 0 20,000
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,479 52,346 SH   SOLE   0 0 52,346
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,258 18,933 SH   SOLE   0 0 18,933
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 13,116 357,198 SH   SOLE   0 0 357,198
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,902 38,252 SH   SOLE   0 0 38,252
SCHWAB STRATEGIC TR US LCAP VA ETF 808524201 4,706 87,382 SH   SOLE   0 0 87,382
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 980 28,579 SH   SOLE   0 0 28,579
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 202 5,229 SH   SOLE   0 0 5,229
SPDR SER TR PORTFOLIO S&P500 78464A854 1,503 28,292 SH   SOLE   0 0 28,292
SPDR SER TR PORTFOLIO S&P400 78464A847 237 5,034 SH   SOLE   0 0 5,034
SPDR SER TR PORTFOLIO S&P600 78468R853 313 7,435 SH   SOLE   0 0 7,435
VANGUARD INDEX FDS SMALL CP ETF 922908751 745 3,504 SH   SOLE   0 0 3,504
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,165 86,724 SH   SOLE   0 0 86,724
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 37,369 630,586 SH   SOLE   0 0 630,586
VANGUARD INDEX FDS MID CAP ETF 922908629 817 3,436 SH   SOLE   0 0 3,436
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 21,895 52,737 SH   SOLE   0 0 52,737
VANGUARD WORLD FD ESG INTL STK ETF 921910725 202 3,529 SH   SOLE   0 0 3,529
VANGUARD INDEX FDS GROWTH ETF 922908736 465 1,617 SH   SOLE   0 0 1,617
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,329 50,492 SH   SOLE   0 0 50,492