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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   231,102 1,430 SH   SOLE   1,430 0 0
APPLE INC COM 037833100   1,275,505 9,817 SH   SOLE   9,243 0 574
ARES CAPITAL CORP COM 04010L103   320,726 17,365 SH   SOLE   17,365 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   431,451 1,806 SH   SOLE   1,406 0 400
COLGATE PALMOLIVE CO COM 194162103   283,880 3,603 SH   SOLE   3,603 0 0
EXXON MOBIL CORP COM 30231G102   823,941 7,470 SH   SOLE   7,470 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,577,587 93,904 SH   SOLE   91,199 2,705 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   1,095,419 8,895 SH   SOLE   8,490 405 0
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   2,398,623 84,280 SH   SOLE   82,380 1,900 0
INTERNATIONAL BUSINESS MACHS COM 459200101   474,824 3,370 SH   SOLE   3,370 0 0
INVESCO ACTIVELY MANAGED ETF S&P500 DOWNSID 46090A705   3,501,573 108,475 SH   SOLE   106,115 2,360 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   4,410,951 94,615 SH   SOLE   92,225 2,390 0
INVESCO EXCHANGE TRADED FD T DWA HEALTHCARE 46137V852   394,862 3,210 SH   SOLE   3,155 55 0
INVESCO QQQ TR UNIT SER 1 46090E103   5,356,515 20,116 SH   SOLE   19,401 715 0
ISHARES INC ESG AWR MSCI EM 46434G863   1,607,693 53,465 SH   SOLE   52,400 1,065 0
ISHARES INC CORE MSCI EMKT 46434G103   1,653,834 35,414 SH   SOLE   34,444 970 0
ISHARES TR CONV BD ETF 46435G102   2,938,928 42,305 SH   SOLE   41,640 665 0
ISHARES TR CORE MSCI EAFE 46432F842   254,943 4,136 SH   SOLE   4,056 80 0
ISHARES TR CORE S&P MCP ETF 464287507   1,321,687 5,464 SH   SOLE   5,364 100 0
ISHARES TR CORE S&P SCP ETF 464287804   3,837,368 40,547 SH   SOLE   39,907 640 0
ISHARES TR CORE US AGGBD ET 464287226   435,970 4,495 SH   SOLE   4,470 25 0
ISHARES TR ESG AW MSCI EAFE 46435G516   2,466,894 37,525 SH   SOLE   36,490 1,035 0
ISHARES TR EXPANDED TECH 464287515   542,402 2,120 SH   SOLE   2,045 75 0
ISHARES TR MSCI EAFE ETF 464287465   5,367,461 81,771 SH   SOLE   79,636 2,135 0
ISHARES TR MSCI EMG MKT ETF 464287234   3,712,255 97,949 SH   SOLE   95,214 2,735 0
ISHARES TR MSCI INTL QUALTY 46434V456   3,220,862 99,440 SH   SOLE   97,190 2,250 0
ISHARES TR MSCI KLD400 SOC 464288570   1,705,012 23,750 SH   SOLE   22,965 785 0
ISHARES TR MSCI USA MMENTM 46432F396   8,007,325 54,871 SH   SOLE   53,451 1,420 0
ISHARES TR NATIONAL MUN ETF 464288414   2,451,652 23,234 SH   SOLE   23,134 100 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,656,576 12,400 SH   SOLE   12,305 95 0
ISHARES TR RUS 1000 VAL ETF 464287598   2,638,107 17,396 SH   SOLE   17,246 150 0
ISHARES TR RUS MID CAP ETF 464287499   2,713,041 40,223 SH   SOLE   39,583 640 0
ISHARES TR RUSSELL 2000 ETF 464287655   14,003,909 80,316 SH   SOLE   78,376 1,940 0
ISHARES TR SHRT NAT MUN ETF 464288158   6,513,747 62,470 SH   SOLE   62,295 175 0
JOHNSON & JOHNSON COM 478160104   324,977 1,840 SH   SOLE   1,840 0 0
JPMORGAN CHASE & CO COM 46625H100   231,993 1,730 SH   SOLE   1,730 0 0
MERCK & CO INC COM 58933Y105   221,900 2,000 SH   SOLE   2,000 0 0
MICROSOFT CORP COM 594918104   561,622 2,342 SH   SOLE   2,325 0 17
PFIZER INC COM 717081103   341,082 6,657 SH   SOLE   6,657 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   215,847 3,523 SH   SOLE   3,523 0 0
SPDR GOLD TR GOLD SHS 78463V107   4,530,236 26,705 SH   SOLE   25,860 845 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,267,129 76,360 SH   SOLE   74,635 1,725 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   14,930,859 39,042 SH   SOLE   38,011 1,031 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,317,294 5,233 SH   SOLE   5,153 80 0
SPDR SER TR BLOOMBERG INTL T 78464A516   2,840,199 126,625 SH   SOLE   122,970 3,655 0
SPDR SER TR BBG CONV SEC ETF 78464A359   5,250,594 81,607 SH   SOLE   79,587 2,020 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,158,183 15,385 SH   SOLE   14,880 505 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,224,000 51,212 SH   SOLE   49,707 1,505 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,217,689 6,369 SH   SOLE   6,369 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   15,550,833 332,923 SH   SOLE   320,153 12,770 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,772,592 15,209 SH   SOLE   14,419 790 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   266,498 834 SH   SOLE   683 0 151