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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 1,151 414 SH   SOLE   0 0 414
ALPHABET INC CAP STK CL C 02079K107 377 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 486 149 SH   SOLE   0 0 149
APPLE INC COM 037833100 892 5,109 SH   SOLE   0 0 5,109
ATHERSYS INC NEW COM 04744L106 61 100,246 SH   SOLE   0 0 100,246
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 615 805 SH   SOLE   0 0 805
GALLAGHER ARTHUR J & CO COM 363576109 10,373 59,411 SH   SOLE   0 0 59,411
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 840 33,714 SH   SOLE   0 0 33,714
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,794 23,778 SH   SOLE   0 0 23,778
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 252 11,864 SH   SOLE   0 0 11,864
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 288 13,662 SH   SOLE   0 0 13,662
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 272 13,001 SH   SOLE   0 0 13,001
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 254 12,713 SH   SOLE   0 0 12,713
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 225 10,654 SH   SOLE   0 0 10,654
ISHARES TR CORE S&P MCP ETF 464287507 2,003 7,466 SH   SOLE   0 0 7,466
ISHARES TR CORE S&P SCP ETF 464287804 418 3,871 SH   SOLE   0 0 3,871
ISHARES TR CORE S&P500 ETF 464287200 4,941 10,890 SH   SOLE   0 0 10,890
ISHARES TR CORE US AGGBD ET 464287226 3,243 30,283 SH   SOLE   0 0 30,283
ISHARES TR GLB CNS DISC ETF 464288745 234 1,500 SH   SOLE   0 0 1,500
ISHARES TR IBOXX HI YD ETF 464288513 1,244 15,119 SH   SOLE   0 0 15,119
ISHARES TR MSCI EAFE ETF 464287465 1,959 26,612 SH   SOLE   0 0 26,612
ISHARES TR MSCI EMG MKT ETF 464287234 829 18,359 SH   SOLE   0 0 18,359
ISHARES TR NATIONAL MUN ETF 464288414 5,179 47,235 SH   SOLE   0 0 47,235
ISHARES TR PFD AND INCM SEC 464288687 1,350 37,063 SH   SOLE   0 0 37,063
ISHARES TR RUS 1000 GRW ETF 464287614 9,214 33,188 SH   SOLE   0 0 33,188
ISHARES TR RUS 1000 VAL ETF 464287598 10,769 64,883 SH   SOLE   0 0 64,883
ISHARES TR RUS MID CAP ETF 464287499 1,665 21,332 SH   SOLE   0 0 21,332
ISHARES TR RUSSELL 2000 ETF 464287655 5,748 28,000 SH   SOLE   0 0 28,000
ISHARES TR S&P 500 VAL ETF 464287408 975 6,262 SH   SOLE   0 0 6,262
ISHARES TR TIPS BD ETF 464287176 13,994 112,338 SH   SOLE   0 0 112,338
ISHARES TR USD INV GRDE ETF 464288620 207 3,756 SH   SOLE   0 0 3,756
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 1,842 30,000 SH   SOLE   0 0 30,000
JOHNSON & JOHNSON COM 478160104 286 1,616 SH   SOLE   0 0 1,616
LAKELAND BANCORP INC COM 511637100 318 19,040 SH   SOLE   0 0 19,040
MASTERCARD INCORPORATED CL A 57636Q104 679 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 1,203 3,902 SH   SOLE   0 0 3,902
NEW JERSEY RES CORP COM 646025106 897 19,563 SH   SOLE   0 0 19,563
SPDR GOLD TR GOLD SHS 78463V107 1,353 7,492 SH   SOLE   0 0 7,492
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,159 8,480 SH   SOLE   0 0 8,480
SPDR SER TR BLOOMBERG HIGH Y 78468R622 3,853 37,587 SH   SOLE   0 0 37,587
SPDR SER TR NUVEEN BLMBRG MU 78468R721 4,752 99,257 SH   SOLE   0 0 99,257
SPDR SER TR NUVEEN BLMBRG SH 78468R739 5,588 118,074 SH   SOLE   0 0 118,074
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,496 49,433 SH   SOLE   0 0 49,433
SPDR SER TR PORTFOLIO INTRMD 78464A375 278 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,096 89,216 SH   SOLE   0 0 89,216
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 650 6,002 SH   SOLE   0 0 6,002
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,599 6,259 SH   SOLE   0 0 6,259
VANGUARD INDEX FDS SMALL CP ETF 922908751 206 967 SH   SOLE   0 0 967
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,445 53,002 SH   SOLE   0 0 53,002
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 235 1,900 SH   SOLE   0 0 1,900
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 279 5,413 SH   SOLE   0 0 5,413
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 258 2,993 SH   SOLE   0 0 2,993
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,178 12,577 SH   SOLE   0 0 12,577
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,660 138,655 SH   SOLE   0 0 138,655
VANGUARD WORLD FD EXTENDED DUR 921910709 375 3,077 SH   SOLE   0 0 3,077
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,579 14,748 SH   SOLE   0 0 14,748
VISA INC COM CL A 92826C839 501 2,258 SH   SOLE   0 0 2,258
WISDOMTREE TR GLB EX US RL EST 97717W331 303 13,082 SH   SOLE   0 0 13,082