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
APPLE INC COM 037833100   1,896,760 9,779 SH   SOLE   9,199 0 580
ARES CAPITAL CORP COM 04010L103   329,803 17,552 SH   SOLE   17,552 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   363,904 1,656 SH   SOLE   1,407 0 249
COLGATE PALMOLIVE CO COM 194162103   271,412 3,523 SH   SOLE   3,523 0 0
EXELIXIS INC COM 30161Q104   224,791 11,763 SH   SOLE   0 0 11,763
EXXON MOBIL CORP COM 30231G102   806,520 7,520 SH   SOLE   7,520 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,670,207 104,584 SH   SOLE   98,544 2,720 3,320
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   2,560,757 85,845 SH   SOLE   82,070 1,900 1,875
INTERNATIONAL BUSINESS MACHS COM 459200101   457,914 3,422 SH   SOLE   3,422 0 0
INVESCO ACTIVELY MANAGED ETF S&P500 DOWNSID 46090A705   4,302,653 129,170 SH   SOLE   123,605 2,620 2,945
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   5,031,497 97,870 SH   SOLE   92,835 2,400 2,635
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   1,482,710 16,333 SH   SOLE   14,724 84 1,525
INVESCO QQQ TR UNIT SER 1 46090E103   9,533,499 25,807 SH   SOLE   24,237 900 670
ISHARES INC ESG AWR MSCI EM 46434G863   1,738,290 54,957 SH   SOLE   52,462 1,075 1,420
ISHARES INC CORE MSCI EMKT 46434G103   1,838,320 37,296 SH   SOLE   35,326 895 1,075
ISHARES TR CONV BD ETF 46435G102   3,687,425 48,290 SH   SOLE   45,325 695 2,270
ISHARES TR CORE MSCI EAFE 46432F842   226,193 3,351 SH   SOLE   3,271 80 0
ISHARES TR CORE S&P MCP ETF 464287507   1,407,547 5,383 SH   SOLE   5,204 100 79
ISHARES TR CORE S&P SCP ETF 464287804   4,293,819 43,089 SH   SOLE   40,914 680 1,495
ISHARES TR CORE US AGGBD ET 464287226   201,288 2,055 SH   SOLE   2,045 10 0
ISHARES TR ESG AW MSCI EAFE 46435G516   2,791,032 38,270 SH   SOLE   36,130 985 1,155
ISHARES TR MSCI EAFE ETF 464287465   5,685,206 78,417 SH   SOLE   75,037 1,935 1,445
ISHARES TR MSCI EMG MKT ETF 464287234   4,089,067 103,364 SH   SOLE   97,724 2,735 2,905
ISHARES TR MSCI INTL QUALTY 46434V456   3,658,968 102,780 SH   SOLE   97,330 2,160 3,290
ISHARES TR MSCI KLD400 SOC 464288570   212,530 2,525 SH   SOLE   2,265 240 20
ISHARES TR MSCI USA MMENTM 46432F396   8,021,166 55,606 SH   SOLE   53,126 1,430 1,050
ISHARES TR NATIONAL MUN ETF 464288414   1,496,248 14,019 SH   SOLE   14,019 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   3,026,705 10,999 SH   SOLE   10,929 60 10
ISHARES TR RUS 1000 VAL ETF 464287598   2,351,513 14,899 SH   SOLE   14,776 115 8
ISHARES TR RUS MID CAP ETF 464287499   3,624,333 49,628 SH   SOLE   46,043 665 2,920
ISHARES TR RUSSELL 2000 ETF 464287655   15,234,240 81,349 SH   SOLE   77,674 1,905 1,770
ISHARES TR SHRT NAT MUN ETF 464288158   5,895,947 56,670 SH   SOLE   56,495 175 0
JOHNSON & JOHNSON COM 478160104   283,011 1,710 SH   SOLE   1,710 0 0
JPMORGAN CHASE & CO COM 46625H100   251,612 1,730 SH   SOLE   1,730 0 0
MERCK & CO INC COM 58933Y105   229,973 1,993 SH   SOLE   1,990 0 3
MICROSOFT CORP COM 594918104   785,020 2,305 SH   SOLE   2,305 0 0
PFIZER INC COM 717081103   236,490 6,447 SH   SOLE   6,440 0 7
PROCTER AND GAMBLE CO COM 742718109   205,001 1,351 SH   SOLE   1,251 0 100
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   223,597 3,571 SH   SOLE   3,571 0 0
SPDR GOLD TR GOLD SHS 78463V107   4,505,775 25,275 SH   SOLE   24,135 845 295
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,340,600 71,930 SH   SOLE   69,630 1,675 625
SPDR S&P 500 ETF TR TR UNIT 78462F103   17,322,078 39,077 SH   SOLE   37,504 1,033 540
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,337,776 4,881 SH   SOLE   4,804 70 7
SPDR SER TR BLOOMBERG INTL T 78464A516   3,117,989 138,270 SH   SOLE   131,965 3,855 2,450
SPDR SER TR BBG CONV SEC ETF 78464A359   5,704,563 81,552 SH   SOLE   77,852 2,020 1,680
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   781,243 10,338 SH   SOLE   9,880 425 33
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,590,512 54,936 SH   SOLE   51,691 1,600 1,645
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,396,355 6,339 SH   SOLE   6,339 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   14,646,284 308,863 SH   SOLE   295,073 12,750 1,040
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   212,784 1,310 SH   SOLE   1,310 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   4,058,631 16,578 SH   SOLE   15,384 820 374
VANGUARD WORLD FDS INF TECH ETF 92204A702   297,574 673 SH   SOLE   673 0 0