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
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 914,319 6,987 SH   SOLE   0 0 6,987
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 325,670 2,470 SH   SOLE   0 0 2,470
AMAZON COM INC COM 023135106 BBG001S5PQL7 316,528 2,490 SH   SOLE   0 0 2,490
APPLE INC COM 037833100 BBG001S5N8V8 945,765 5,524 SH   SOLE   0 0 5,524
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 311,768 890 SH   SOLE   0 0 890
BLACKROCK INC COM 09247X101 BBG001SDBP55 444,139 687 SH   SOLE   0 0 687
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 13,532,204 59,370 SH   SOLE   0 0 59,370
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 BBG00KJR2K35 322,036 17,143 SH   SOLE   0 0 17,143
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 684,278 6,047 SH   SOLE   0 0 6,047
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,712,786 6,869 SH   SOLE   0 0 6,869
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 299,310 3,173 SH   SOLE   0 0 3,173
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,810,190 6,544 SH   SOLE   0 0 6,544
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,987,821 21,138 SH   SOLE   0 0 21,138
ISHARES TR GLB CNS DISC ETF 464288745 BBG001SNVWN6 201,813 1,377 SH   SOLE   0 0 1,377
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,645,742 23,879 SH   SOLE   0 0 23,879
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 798,206 21,033 SH   SOLE   0 0 21,033
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 9,925,965 37,317 SH   SOLE   0 0 37,317
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 10,108,629 66,583 SH   SOLE   0 0 66,583
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,339,160 19,338 SH   SOLE   0 0 19,338
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 5,351,514 30,279 SH   SOLE   0 0 30,279
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 695,972 4,524 SH   SOLE   0 0 4,524
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 2,728,025 50,934 SH   SOLE   0 0 50,934
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 765,663 16,315 SH   SOLE   0 0 16,315
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 3,825,973 76,245 SH   SOLE   0 0 76,245
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 463,356 2,975 SH   SOLE   0 0 2,975
LAKELAND BANCORP INC COM 511637100 BBG001S93HH8 240,284 19,040 SH   SOLE   0 0 19,040
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 BBG001SDX252 28,870 13,554 SH   SOLE   0 0 13,554
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 761,336 1,923 SH   SOLE   0 0 1,923
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,480,868 4,690 SH   SOLE   0 0 4,690
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 215,903 3,111 SH   SOLE   0 0 3,111
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 332,861 10,734 SH   SOLE   0 0 10,734
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855 BBG001SRXRM7 1,305,935 26,511 SH   SOLE   0 0 26,511
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 4,084,589 8,945 SH   SOLE   0 0 8,945
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 216,187 6,874 SH   SOLE   0 0 6,874
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 802,364 5,046 SH   SOLE   0 0 5,046
UNUM GROUP COM 91529Y106 BBG001S5X2J4 432,282 8,788 SH   SOLE   0 0 8,788
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 11,001,656 157,662 SH   SOLE   0 0 157,662
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 595,068 7,865 SH   SOLE   0 0 7,865
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 261,543 666 SH   SOLE   0 0 666
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,379,848 60,695 SH   SOLE   0 0 60,695
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 201,780 1,900 SH   SOLE   0 0 1,900
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 10,798,724 188,954 SH   SOLE   0 0 188,954
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 854,570 11,932 SH   SOLE   0 0 11,932
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 6,568,894 150,249 SH   SOLE   0 0 150,249
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 1,961,811 15,479 SH   SOLE   0 0 15,479
VISA INC COM CL A 92826C839 BBG001SRCFY3 503,492 2,189 SH   SOLE   0 0 2,189
WIPRO LTD SPON ADR 1 SH 97651M109 BBG001S5XGG6 72,576 14,995 SH   SOLE   0 0 14,995