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   369,448 2,384 SH   SOLE   2,384 0 0
ALPHABET INC CAP STK CL C 02079K107   1,034,426 7,340 SH   SOLE   7,340 0 0
ALTRIA GROUP INC COM 02209S103   357,722 8,868 SH   SOLE   8,867 0 0
AMAZON COM INC COM 023135106   517,356 3,405 SH   SOLE   3,405 0 0
AMGEN INC COM 031162100   224,282 779 SH   SOLE   778 0 0
APPLE INC COM 037833100   8,218,609 42,687 SH   SOLE   42,687 0 0
AT&T INC COM 00206R102   542,427 32,326 SH   SOLE   32,325 0 0
BANK AMERICA CORP COM 060505104   248,687 7,386 SH   SOLE   7,386 0 0
BOEING CO COM 097023105   406,890 1,561 SH   SOLE   1,561 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   327,558 6,384 SH   SOLE   6,383 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   3,008,684 100,827 SH   SOLE   100,827 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,478,445 96,325 SH   SOLE   96,325 0 0
CATERPILLAR INC COM 149123101   298,903 1,011 SH   SOLE   1,010 0 0
CHEVRON CORP NEW COM 166764100   716,863 4,806 SH   SOLE   4,806 0 0
COLGATE PALMOLIVE CO COM 194162103   370,572 4,649 SH   SOLE   4,649 0 0
COMCAST CORP NEW CL A 20030N101   373,251 8,512 SH   SOLE   8,512 0 0
DISNEY WALT CO COM 254687106   498,581 5,522 SH   SOLE   5,522 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   3,013,991 91,611 SH   SOLE   91,610 0 0
EXXON MOBIL CORP COM 30231G102   1,385,113 13,854 SH   SOLE   13,853 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,257,390 30,705 SH   SOLE   30,705 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   411,481 72,572 SH   SOLE   72,571 0 0
FS KKR CAP CORP COM 302635206   471,292 23,600 SH   SOLE   23,600 0 0
HOME DEPOT INC COM 437076102   601,264 1,735 SH   SOLE   1,735 0 0
INDEXIQ ETF TR IQ U.S. SMALL CA 45409B396   3,306,860 91,730 SH   SOLE   91,729 0 0
INTEL CORP COM 458140100   248,715 4,950 SH   SOLE   4,949 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   4,988,735 38,844 SH   SOLE   38,844 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   945,523 5,781 SH   SOLE   5,781 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   242,020 9,551 SH   SOLE   9,550 0 0
ISHARES TR CORE S&P TTL STK 464287150   36,261,062 344,589 SH   SOLE   344,588 0 0
ISHARES TR IBOXX INV CP ETF 464287242   909,957 8,223 SH   SOLE   8,223 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,846,782 35,484 SH   SOLE   35,483 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   623,251 3,105 SH   SOLE   3,105 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   340,106 6,186 SH   SOLE   6,186 0 0
JOHNSON & JOHNSON COM 478160104   445,076 2,840 SH   SOLE   2,839 0 0
JPMORGAN CHASE & CO COM 46625H100   300,567 1,767 SH   SOLE   1,767 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365   1,533,340 60,463 SH   SOLE   60,462 0 0
LINDE PLC SHS G54950103   319,122 777 SH   SOLE   777 0 0
M & T BK CORP COM 55261F104   1,968,880 14,363 SH   SOLE   14,363 0 0
MERCK & CO INC COM 58933Y105   387,673 3,556 SH   SOLE   3,555 0 0
MICROSOFT CORP COM 594918104   1,487,778 3,956 SH   SOLE   3,956 0 0
MONDELEZ INTL INC CL A 609207105   836,725 11,552 SH   SOLE   11,552 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   293,580 938 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106   367,594 755 SH   SOLE   755 0 0
NEW JERSEY RES CORP COM 646025106   498,659 11,186 SH   SOLE   11,185 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   182,213 15,468 SH   SOLE   15,468 0 0
NVIDIA CORPORATION COM 67066G104   713,117 1,440 SH   SOLE   1,440 0 0
ORACLE CORP COM 68389X105   283,493 2,689 SH   SOLE   2,688 0 0
PEPSICO INC COM 713448108   595,420 3,506 SH   SOLE   3,505 0 0
PFIZER INC COM 717081103   213,396 7,412 SH   SOLE   7,412 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   4,618,755 93,516 SH   SOLE   93,516 0 0
PHILIP MORRIS INTL INC COM 718172109   1,635,783 17,387 SH   SOLE   17,387 0 0
PROCTER AND GAMBLE CO COM 742718109   1,393,499 9,509 SH   SOLE   9,509 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   559,645 9,152 SH   SOLE   9,152 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103   71,778 11,806 SH   SOLE   11,805 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,177,952 31,871 SH   SOLE   31,871 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   354,015 7,592 SH   SOLE   7,592 0 0
SPDR SER TR DJ REIT ETF 78464A607   975,278 10,232 SH   SOLE   10,231 0 0
VALLEY NATL BANCORP COM 919794107   303,157 27,915 SH   SOLE   27,915 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,410,233 44,648 SH   SOLE   44,648 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,926,689 29,199 SH   SOLE   29,199 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   962,371 2,203 SH   SOLE   2,203 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,012,171 41,460 SH   SOLE   41,460 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   485,779 8,653 SH   SOLE   8,653 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   211,082 5,599 SH   SOLE   5,599 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   2,464,368 46,931 SH   SOLE   46,931 0 0