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
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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 1,296 9,480 SH   SOLE   0 0 9,480
AMAZON COM INC Com 023135106 268 2,520 SH   SOLE   0 0 2,520
ISHARES TR MSCI EMG MKT ETF 464287234 463 11,551 SH   SOLE   0 0 11,551
ISHARES TR MSCI EAFE ETF 464287465 5,165 82,656 SH   SOLE   0 0 82,656
VANGUARD WORLD FD ESG US STK ETF 921910733 243 3,659 SH   SOLE   0 0 3,659
ALPHABET INC CAP STK CL A 02079K305 220 101 SH   SOLE   0 0 101
HOME DEPOT INC Com 437076102 349 1,272 SH   SOLE   0 0 1,272
ISHARES TR CORE S&P MCP ETF 464287507 416 1,838 SH   SOLE   0 0 1,838
ISHARES TR CORE S&P500 ETF 464287200 10,190 26,875 SH   SOLE   0 0 26,875
ISHARES TR RUSSELL 2000 ETF 464287655 740 4,369 SH   SOLE   0 0 4,369
MICROSOFT Com 594918104 358 1,392 SH   SOLE   0 0 1,392
OCEANFIRST FINL CORP Com 675234108 199 10,390 SH   SOLE   0 0 10,390
OUTLOOK THERAPEUTICS INC COM NEW 69012T206 53 51,778 SH   SOLE   0 0 51,778
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,824 46,794 SH   SOLE   0 0 46,794
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,504 177,444 SH   SOLE   0 0 177,444
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,344 360,691 SH   SOLE   0 0 360,691
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,000 31,876 SH   SOLE   0 0 31,876
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,898 109,678 SH   SOLE   0 0 109,678
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 863 29,909 SH   SOLE   0 0 29,909
SPDR SER TR PORTFOLIO S&P500 78464A854 1,254 28,292 SH   SOLE   0 0 28,292
SPDR SER TR PORTFOLIO S&P400 78464A847 209 5,265 SH   SOLE   0 0 5,265
SPDR SER TR PORTFOLIO S&P600 78468R853 229 6,351 SH   SOLE   0 0 6,351
VANGUARD INDEX FDS SMALL CP ETF 922908751 999 5,675 SH   SOLE   0 0 5,675
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 5,320 130,387 SH   SOLE   0 0 130,387
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 27,683 470,324 SH   SOLE   0 0 470,324
VANGUARD INDEX FDS MID CAP ETF 922908629 1,222 6,205 SH   SOLE   0 0 6,205
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 17,246 49,514 SH   SOLE   0 0 49,514
VANGUARD INDEX FDS GROWTH ETF 922908736 425 1,908 SH   SOLE   0 0 1,908
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,876 69,057 SH   SOLE   0 0 69,057