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   207,641 1,393 SH   SOLE   1,393 0 0
APPLE INC COM 037833100   1,664,484 9,722 SH   SOLE   9,141 0 581
ARES CAPITAL CORP COM 04010L103   347,006 17,823 SH   SOLE   17,823 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   398,668 1,657 SH   SOLE   1,407 0 250
COLGATE PALMOLIVE CO COM 194162103   250,521 3,523 SH   SOLE   3,523 0 0
EXXON MOBIL CORP COM 30231G102   884,202 7,520 SH   SOLE   7,520 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   1,480,244 92,689 SH   SOLE   87,909 1,660 3,120
INDEXIQ ETF TR HEDGE MLTI ETF 45409B107   2,651,199 88,285 SH   SOLE   83,865 2,020 2,400
INTERNATIONAL BUSINESS MACHS COM 459200101   480,892 3,428 SH   SOLE   3,428 0 0
INVESCO ACTIVELY MANAGED ETF S&P500 DOWNSID 46090A705   3,951,605 126,830 SH   SOLE   121,325 2,510 2,995
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263   4,563,147 98,090 SH   SOLE   92,850 2,380 2,860
INVESCO EXCHANGE TRADED FD T S&P 500 GARP ETF 46137V431   1,555,551 17,049 SH   SOLE   15,169 84 1,796
INVESCO QQQ TR UNIT SER 1 46090E103   9,162,714 25,575 SH   SOLE   23,962 900 713
ISHARES INC ESG AWR MSCI EM 46434G863   1,695,741 56,002 SH   SOLE   53,132 1,120 1,750
ISHARES INC CORE MSCI EMKT 46434G103   1,809,182 38,016 SH   SOLE   35,846 920 1,250
ISHARES TR CONV BD ETF 46435G102   3,658,553 49,300 SH   SOLE   46,000 715 2,585
ISHARES TR CORE MSCI EAFE 46432F842   203,733 3,166 SH   SOLE   3,086 80 0
ISHARES TR CORE S&P MCP ETF 464287507   1,346,003 5,398 SH   SOLE   5,134 100 164
ISHARES TR CORE S&P SCP ETF 464287804   4,065,058 43,094 SH   SOLE   40,789 710 1,595
ISHARES TR ESG AW MSCI EAFE 46435G516   2,673,949 38,680 SH   SOLE   36,165 985 1,530
ISHARES TR MSCI EAFE ETF 464287465   5,389,657 78,202 SH   SOLE   74,547 1,935 1,720
ISHARES TR MSCI EMG MKT ETF 464287234   3,954,340 104,199 SH   SOLE   97,939 2,735 3,525
ISHARES TR MSCI INTL QUALTY 46434V456   3,496,617 104,035 SH   SOLE   97,620 2,160 4,255
ISHARES TR MSCI USA MMENTM 46432F396   7,612,405 54,491 SH   SOLE   51,966 1,345 1,180
ISHARES TR NATIONAL MUN ETF 464288414   1,241,657 12,109 SH   SOLE   12,109 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   2,784,650 10,469 SH   SOLE   10,399 60 10
ISHARES TR RUS 1000 VAL ETF 464287598   2,217,183 14,604 SH   SOLE   14,481 115 8
ISHARES TR RUS MID CAP ETF 464287499   3,547,543 51,228 SH   SOLE   47,023 680 3,525
ISHARES TR RUSSELL 2000 ETF 464287655   14,433,340 81,664 SH   SOLE   77,534 1,905 2,225
ISHARES TR SHRT NAT MUN ETF 464288158   5,461,352 53,095 SH   SOLE   52,920 175 0
JOHNSON & JOHNSON COM 478160104   266,400 1,710 SH   SOLE   1,710 0 0
JPMORGAN CHASE & CO COM 46625H100   250,885 1,730 SH   SOLE   1,730 0 0
MERCK & CO INC COM 58933Y105   205,180 1,993 SH   SOLE   1,990 0 3
MICROSOFT CORP COM 594918104   728,094 2,306 SH   SOLE   2,306 0 0
PFIZER INC COM 717081103   212,276 6,400 SH   SOLE   6,393 0 7
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   204,645 3,596 SH   SOLE   3,596 0 0
SPDR GOLD TR GOLD SHS 78463V107   4,344,543 25,340 SH   SOLE   24,100 845 395
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   2,309,623 74,480 SH   SOLE   70,820 1,675 1,985
SPDR S&P 500 ETF TR TR UNIT 78462F103   16,478,523 38,548 SH   SOLE   36,830 1,013 705
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,169,948 4,752 SH   SOLE   4,685 60 7
SPDR SER TR BBG CONV SEC ETF 78464A359   5,531,260 81,582 SH   SOLE   77,532 2,020 2,030
SPDR SER TR BLOOMBERG INTL T 78464A516   3,025,532 142,445 SH   SOLE   135,345 3,855 3,245
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   735,389 9,783 SH   SOLE   9,295 400 88
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   4,288,790 56,685 SH   SOLE   52,695 1,695 2,295
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,438,016 6,770 SH   SOLE   6,319 0 451
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   14,202,345 300,388 SH   SOLE   286,568 12,750 1,070
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   203,548 1,310 SH   SOLE   1,310 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,873,512 16,476 SH   SOLE   15,254 820 402
VANGUARD WORLD FDS INF TECH ETF 92204A702   279,228 673 SH   SOLE   673 0 0