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   421,640 2,609 SH   SOLE   2,609 0 0
ALPHABET INC CAP STK CL C 02079K107   993,776 11,200 SH   SOLE   11,200 0 0
ALTRIA GROUP INC COM 02209S103   476,157 10,417 SH   SOLE   10,416 0 0
AMAZON COM INC COM 023135106   252,000 3,000 SH Call SOLE   0 0 0
AMAZON COM INC COM 023135106   786,576 9,364 SH   SOLE   9,364 0 0
APPLE INC COM 037833100   12,644,272 97,316 SH   SOLE   97,316 0 0
AT&T INC COM 00206R102   633,546 34,413 SH   SOLE   34,413 0 0
BANK AMERICA CORP COM 060505104   300,928 9,086 SH   SOLE   9,086 0 0
BOEING CO COM 097023105   840,251 4,411 SH   SOLE   4,411 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   607,539 8,444 SH   SOLE   8,443 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,248,410 95,312 SH   SOLE   95,312 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   1,897,518 90,315 SH   SOLE   90,315 0 0
CATERPILLAR INC COM 149123101   202,318 845 SH   SOLE   844 0 0
CHEVRON CORP NEW COM 166764100   979,041 5,455 SH   SOLE   5,454 0 0
COLGATE PALMOLIVE CO COM 194162103   366,295 4,649 SH   SOLE   4,649 0 0
COMCAST CORP NEW CL A 20030N101   402,260 11,503 SH   SOLE   11,503 0 0
CVS HEALTH CORP COM 126650100   217,113 2,330 SH   SOLE   2,329 0 0
DISNEY WALT CO COM 254687106   551,080 6,343 SH   SOLE   6,343 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   2,336,209 84,722 SH   SOLE   84,722 0 0
EXXON MOBIL CORP COM 30231G102   1,943,755 17,622 SH   SOLE   17,622 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,304,232 30,003 SH   SOLE   30,003 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   127,695 27,112 SH   SOLE   27,111 0 0
FS KKR CAP CORP COM 302635206   451,920 25,824 SH   SOLE   25,824 0 0
HOME DEPOT INC COM 437076102   464,314 1,470 SH   SOLE   1,470 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396   2,821,097 88,483 SH   SOLE   88,483 0 0
INTEL CORP COM 458140100   323,703 12,248 SH   SOLE   12,247 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   4,014,757 39,134 SH   SOLE   39,134 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   497,110 3,528 SH   SOLE   3,528 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   286,633 12,110 SH   SOLE   12,109 0 0
ISHARES TR IBOXX INV CP ETF 464287242   923,040 8,755 SH   SOLE   8,755 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,854,264 36,526 SH   SOLE   36,526 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   544,875 3,125 SH   SOLE   3,125 0 0
ISHARES TR CORE S&P TTL STK 464287150   28,148,317 331,938 SH   SOLE   331,937 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   631,385 11,587 SH   SOLE   11,587 0 0
JOHNSON & JOHNSON COM 478160104   571,507 3,235 SH   SOLE   3,235 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   1,267,068 58,256 SH   SOLE   58,256 0 0
JPMORGAN CHASE & CO COM 46625H100   414,905 3,094 SH   SOLE   3,094 0 0
LOCKHEED MARTIN CORP COM 539830109   303,083 623 SH   SOLE   623 0 0
LOWES COS INC COM 548661107   432,550 2,171 SH   SOLE   2,171 0 0
M & T BK CORP COM 55261F104   2,633,999 18,158 SH   SOLE   18,158 0 0
MERCK & CO INC COM 58933Y105   2,112,559 19,041 SH   SOLE   19,040 0 0
MICROSOFT CORP COM 594918104   1,597,316 6,660 SH   SOLE   6,660 0 0
MONDELEZ INTL INC CL A 609207105   817,524 12,266 SH   SOLE   12,265 0 0
MORGAN STANLEY COM NEW 617446448   204,303 2,403 SH   SOLE   2,403 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   241,524 937 SH   SOLE   937 0 0
MULLEN AUTOMOTIVE INC COM 62526P109   3,432 12,000 SH   SOLE   12,000 0 0
NETFLIX INC COM 64110L106   239,737 813 SH   SOLE   813 0 0
NEW JERSEY RES CORP COM 646025106   628,768 12,672 SH   SOLE   12,671 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   163,737 14,490 SH   SOLE   14,490 0 0
NVIDIA CORPORATION COM 67066G104   310,986 2,128 SH   SOLE   2,128 0 0
ORACLE CORP COM 68389X105   206,884 2,531 SH   SOLE   2,531 0 0
PEPSICO INC COM 713448108   808,263 4,474 SH   SOLE   4,473 0 0
PFIZER INC COM 717081103   349,638 6,824 SH   SOLE   6,823 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   1,564,424 31,862 SH   SOLE   31,862 0 0
PHILIP MORRIS INTL INC COM 718172109   1,863,361 18,411 SH   SOLE   18,410 0 0
PROCTER AND GAMBLE CO COM 742718109   1,428,550 9,426 SH   SOLE   9,425 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   332,145 5,421 SH   SOLE   5,421 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103   74,139 11,806 SH   SOLE   11,805 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530   2,545,450 2,545,450 SH   SOLE   2,545,450 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,069,952 33,218 SH   SOLE   33,218 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   223,423 4,986 SH   SOLE   4,986 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   288,603 7,421 SH   SOLE   7,421 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656   269,291 10,454 SH   SOLE   10,453 0 0
SPDR SER TR DJ REIT ETF 78464A607   942,899 10,819 SH   SOLE   10,819 0 0
TESLA INC COM 88160R101   249,440 2,025 SH   SOLE   2,025 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   202,654 368 SH   SOLE   368 0 0
VALLEY NATL BANCORP COM 919794107   641,447 56,715 SH   SOLE   56,715 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,212,309 56,678 SH   SOLE   56,678 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,787,253 30,270 SH   SOLE   30,269 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   820,379 2,335 SH   SOLE   2,335 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,503,715 40,696 SH   SOLE   40,695 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   441,282 8,801 SH   SOLE   8,801 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   309,329 7,851 SH   SOLE   7,851 0 0
VISA INC COM CL A 92826C839   540,839 2,603 SH   SOLE   2,603 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   2,047,134 43,519 SH   SOLE   43,519 0 0