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
Estimated average burden
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   349,099 2,342 SH   SOLE   2,342 0 0
ALPHABET INC CAP STK CL C 02079K107   943,387 7,155 SH   SOLE   7,155 0 0
ALTRIA GROUP INC COM 02209S103   363,486 8,644 SH   SOLE   8,644 0 0
AMAZON COM INC COM 023135106   399,920 3,146 SH   SOLE   3,146 0 0
APPLE INC COM 037833100   7,215,411 42,144 SH   SOLE   42,143 0 0
AT&T INC COM 00206R102   499,202 33,236 SH   SOLE   33,235 0 0
BOEING CO COM 097023105   280,044 1,461 SH   SOLE   1,461 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   416,954 7,184 SH   SOLE   7,183 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,538,449 95,899 SH   SOLE   95,899 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,085,631 90,996 SH   SOLE   90,996 0 0
CATERPILLAR INC COM 149123101   261,489 958 SH   SOLE   957 0 0
CHEVRON CORP NEW COM 166764100   873,553 5,181 SH   SOLE   5,180 0 0
CHURCH & DWIGHT CO INC COM 171340102   214,226 2,338 SH   SOLE   2,337 0 0
COLGATE PALMOLIVE CO COM 194162103   330,590 4,649 SH   SOLE   4,649 0 0
COMCAST CORP NEW CL A 20030N101   377,422 8,512 SH   SOLE   8,512 0 0
DISNEY WALT CO COM 254687106   451,935 5,576 SH   SOLE   5,576 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   2,437,638 86,105 SH   SOLE   86,105 0 0
EXXON MOBIL CORP COM 30231G102   1,613,011 13,718 SH   SOLE   13,718 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,211,239 29,952 SH   SOLE   29,951 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   392,555 72,427 SH   SOLE   72,427 0 0
FS KKR CAP CORP COM 302635206   464,684 23,600 SH   SOLE   23,600 0 0
HOME DEPOT INC COM 437076102   486,478 1,610 SH   SOLE   1,610 0 0
INDEXIQ ETF TR IQ U.S. SMALL CA 45409B396   2,727,480 87,704 SH   SOLE   87,703 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   4,273,617 38,844 SH   SOLE   38,844 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   811,109 5,781 SH   SOLE   5,781 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   232,669 9,772 SH   SOLE   9,771 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   553,944 3,134 SH   SOLE   3,134 0 0
ISHARES TR IBOXX INV CP ETF 464287242   893,185 8,755 SH   SOLE   8,755 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,671,949 35,810 SH   SOLE   35,809 0 0
ISHARES TR CORE S&P TTL STK 464287150   31,674,988 336,288 SH   SOLE   336,288 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   303,525 5,667 SH   SOLE   5,667 0 0
JOHNSON & JOHNSON COM 478160104   430,583 2,765 SH   SOLE   2,764 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   1,452,553 58,808 SH   SOLE   58,807 0 0
JPMORGAN CHASE & CO COM 46625H100   234,497 1,617 SH   SOLE   1,617 0 0
LINDE PLC SHS G54950103   289,316 777 SH   SOLE   777 0 0
M & T BK CORP COM 55261F104   1,816,201 14,363 SH   SOLE   14,363 0 0
MERCK & CO INC COM 58933Y105   1,833,537 17,810 SH   SOLE   17,809 0 0
MICROSOFT CORP COM 594918104   1,188,230 3,763 SH   SOLE   3,763 0 0
MONDELEZ INTL INC CL A 609207105   801,722 11,552 SH   SOLE   11,552 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   255,276 938 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106   285,088 755 SH   SOLE   755 0 0
NEW JERSEY RES CORP COM 646025106   501,525 12,344 SH   SOLE   12,343 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   163,651 15,468 SH   SOLE   15,468 0 0
NVIDIA CORPORATION COM 67066G104   617,686 1,420 SH   SOLE   1,420 0 0
ORACLE CORP COM 68389X105   284,463 2,686 SH   SOLE   2,685 0 0
PEPSICO INC COM 713448108   594,018 3,506 SH   SOLE   3,505 0 0
PFIZER INC COM 717081103   247,866 7,473 SH   SOLE   7,472 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   5,300,923 107,111 SH   SOLE   107,111 0 0
PHILIP MORRIS INTL INC COM 718172109   1,609,008 17,380 SH   SOLE   17,379 0 0
PROCTER AND GAMBLE CO COM 742718109   1,387,033 9,509 SH   SOLE   9,509 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   305,607 5,370 SH   SOLE   5,370 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103   64,577 11,806 SH   SOLE   11,805 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,083,460 31,904 SH   SOLE   31,904 0 0
SPDR SER TR DJ REIT ETF 78464A607   845,241 10,191 SH   SOLE   10,190 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   318,568 7,721 SH   SOLE   7,721 0 0
VALLEY NATL BANCORP COM 919794107   238,952 27,915 SH   SOLE   27,915 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,300,225 45,640 SH   SOLE   45,639 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   839,593 2,138 SH   SOLE   2,138 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,380,039 30,036 SH   SOLE   30,036 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   5,306,915 40,523 SH   SOLE   40,523 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   447,068 8,619 SH   SOLE   8,619 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   2,108,315 43,605 SH   SOLE   43,605 0 0