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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hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305 726 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL C 02079K107 237 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 485 149 SH   SOLE   0 0 149
APPLE INC COM 037833100 678 5,109 SH   SOLE   0 0 5,109
BERKSHIRE HATHAWAY INC DEL CL A 084670108 348 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 581 805 SH   SOLE   0 0 805
GALLAGHER ARTHUR J & CO COM 363576109 8,175 66,086 SH   SOLE   0 0 66,086
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 426 28,978 SH   SOLE   0 0 28,978
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 983 36,262 SH   SOLE   0 0 36,262
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 206 2,006 SH   OTR   0 0 2,006
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 2,271 22,102 SH   SOLE   0 0 22,102
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 323 15,211 SH   SOLE   0 0 15,211
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 258 11,847 SH   SOLE   0 0 11,847
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 299 13,662 SH   SOLE   0 0 13,662
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 304 13,556 SH   SOLE   0 0 13,556
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 294 13,001 SH   SOLE   0 0 13,001
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 279 12,713 SH   SOLE   0 0 12,713
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 252 10,654 SH   SOLE   0 0 10,654
ISHARES GOLD TRUST ISHARES 464285105 86 4,720 SH   OTR   0 0 4,720
ISHARES GOLD TRUST ISHARES 464285105 120 6,598 SH   SOLE   0 0 6,598
ISHARES TR CORE S&P MCP ETF 464287507 1,688 7,345 SH   SOLE   0 0 7,345
ISHARES TR CORE S&P SCP ETF 464287804 327 3,555 SH   SOLE   0 0 3,555
ISHARES TR CORE S&P500 ETF 464287200 5,481 14,600 SH   SOLE   0 0 14,600
ISHARES TR CORE US AGGBD ET 464287226 4,159 35,189 SH   SOLE   0 0 35,189
ISHARES TR GLB CNS DISC ETF 464288745 233 1,500 SH   SOLE   0 0 1,500
ISHARES TR IBOXX HI YD ETF 464288513 1,260 14,430 SH   SOLE   0 0 14,430
ISHARES TR MSCI EAFE ETF 464287465 1,989 27,260 SH   SOLE   0 0 27,260
ISHARES TR MSCI EAFE ETF 464287465 43 586 SH   OTR   0 0 586
ISHARES TR MSCI EMG MKT ETF 464287234 888 17,195 SH   SOLE   0 0 17,195
ISHARES TR MSCI EMG MKT ETF 464287234 63 1,227 SH   OTR   0 0 1,227
ISHARES TR NATIONAL MUN ETF 464288414 4,548 38,802 SH   SOLE   0 0 38,802
ISHARES TR PFD AND INCM SEC 464288687 1,427 37,063 SH   SOLE   0 0 37,063
ISHARES TR RUS 1000 GRW ETF 464287614 4,950 20,529 SH   SOLE   0 0 20,529
ISHARES TR RUS 1000 VAL ETF 464287598 3,906 28,569 SH   SOLE   0 0 28,569
ISHARES TR RUS MID CAP ETF 464287499 1,541 22,485 SH   SOLE   0 0 22,485
ISHARES TR RUSSELL 2000 ETF 464287655 294 1,502 SH   OTR   0 0 1,502
ISHARES TR RUSSELL 2000 ETF 464287655 4,652 23,728 SH   SOLE   0 0 23,728
ISHARES TR S&P 500 VAL ETF 464287408 829 6,475 SH   SOLE   0 0 6,475
ISHARES TR TIPS BD ETF 464287176 9,494 74,375 SH   SOLE   0 0 74,375
ISHARES TR USD INV GRDE ETF 464288620 233 3,756 SH   SOLE   0 0 3,756
JOHNSON & JOHNSON COM 478160104 301 1,910 SH   SOLE   0 0 1,910
MASTERCARD INCORPORATED CL A 57636Q104 678 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 868 3,902 SH   SOLE   0 0 3,902
NEW JERSEY RES CORP COM 646025106 1,406 39,563 SH   SOLE   0 0 39,563
SPDR GOLD TR GOLD SHS 78463V107 839 4,702 SH   SOLE   0 0 4,702
SPDR GOLD TR GOLD SHS 78463V107 134 754 SH   OTR   0 0 754
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 114 3,372 SH   OTR   0 0 3,372
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 110 3,254 SH   SOLE   0 0 3,254
SPDR S&P 500 ETF TR TR UNIT 78462F103 382 1,021 SH   SOLE   0 0 1,021
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,622 6,245 SH   SOLE   0 0 6,245
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 225 535 SH   OTR   0 0 535
SPDR SER TR BLOOMBERG BRCLYS 78468R622 2,995 27,488 SH   SOLE   0 0 27,488
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,180 83,944 SH   SOLE   0 0 83,944
SPDR SER TR NUVEEN BRC MUNIC 78468R721 4,012 76,431 SH   SOLE   0 0 76,431
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,570 50,371 SH   SOLE   0 0 50,371
SPDR SER TR PORTFOLIO INTRMD 78464A375 303 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,382 61,025 SH   SOLE   0 0 61,025
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 320 3,771 SH   SOLE   0 0 3,771
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 76 898 SH   OTR   0 0 898
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,737 31,241 SH   SOLE   0 0 31,241
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,426 4,148 SH   OTR   0 0 4,148
VANGUARD INDEX FDS SMALL CP ETF 922908751 262 1,348 SH   SOLE   0 0 1,348
VANGUARD INDEX FDS SMALL CP ETF 922908751 31 160 SH   OTR   0 0 160
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 126 2,516 SH   OTR   0 0 2,516
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,719 34,303 SH   SOLE   0 0 34,303
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 231 1,900 SH   OTR   0 0 1,900
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 267 2,746 SH   SOLE   0 0 2,746
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2,366 21,304 SH   SOLE   0 0 21,304
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 217 4,594 SH   OTR   0 0 4,594
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,326 91,625 SH   SOLE   0 0 91,625
VANGUARD WORLD FD EXTENDED DUR 921910709 1,237 8,120 SH   SOLE   0 0 8,120
VANGUARD WORLD FDS INF TECH ETF 92204A702 531 1,500 SH   SOLE   0 0 1,500
VISA INC COM CL A 92826C839 494 2,258 SH   SOLE   0 0 2,258
WISDOMTREE TR GLB EX US RL EST 97717W331 223 8,677 SH   SOLE   0 0 8,677