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   434,126 2,384 SH   SOLE   2,384 0 0
ALPHABET INC CAP STK CL C 02079K107   1,117,588 7,340 SH   SOLE   7,340 0 0
ALTRIA GROUP INC COM 02209S103   388,115 8,898 SH   SOLE   8,897 0 0
AMAZON COM INC COM 023135106   614,194 3,405 SH   SOLE   3,405 0 0
AMGEN INC COM 031162100   317,938 1,118 SH   SOLE   1,118 0 0
APPLE INC COM 037833100   7,532,364 43,926 SH   SOLE   43,925 0 0
AT&T INC COM 00206R102   563,214 32,001 SH   SOLE   32,000 0 0
BANK AMERICA CORP COM 060505104   280,077 7,386 SH   SOLE   7,386 0 0
BOEING CO COM 097023105   301,257 1,561 SH   SOLE   1,561 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   400,429 7,384 SH   SOLE   7,383 0 0
BROADCOM INC COM 11135F101   250,502 189 SH   SOLE   189 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   638,011 3,114 SH   SOLE   3,114 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   3,304,091 101,664 SH   SOLE   101,664 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   2,812,325 97,650 SH   SOLE   97,650 0 0
CATERPILLAR INC COM 149123101   370,467 1,011 SH   SOLE   1,011 0 0
CHEVRON CORP NEW COM 166764100   758,163 4,806 SH   SOLE   4,806 0 0
CISCO SYS INC COM 17275R102   207,352 4,155 SH   SOLE   4,154 0 0
COLGATE PALMOLIVE CO COM 194162103   418,642 4,649 SH   SOLE   4,649 0 0
COMCAST CORP NEW CL A 20030N101   401,508 9,262 SH   SOLE   9,262 0 0
DISNEY WALT CO COM 254687106   675,672 5,522 SH   SOLE   5,522 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607   3,165,078 93,836 SH   SOLE   93,835 0 0
EXXON MOBIL CORP COM 30231G102   1,632,217 14,042 SH   SOLE   14,041 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,281,447 31,202 SH   SOLE   31,201 0 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   419,081 70,671 SH   SOLE   70,671 0 0
FS KKR CAP CORP COM 302635206   450,052 23,600 SH   SOLE   23,600 0 0
HOME DEPOT INC COM 437076102   675,136 1,760 SH   SOLE   1,760 0 0
INDEXIQ ETF TR IQ U.S. SMALL CA 45409B396   3,449,239 92,470 SH   SOLE   92,469 0 0
INTEL CORP COM 458140100   218,632 4,950 SH   SOLE   4,949 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   5,291,605 38,504 SH   SOLE   38,504 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,113,535 5,831 SH   SOLE   5,831 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201   245,690 9,556 SH   SOLE   9,556 0 0
ISHARES TR IBOXX INV CP ETF 464287242   895,649 8,223 SH   SOLE   8,223 0 0
ISHARES TR CORE S&P TTL STK 464287150   39,428,139 341,961 SH   SOLE   341,961 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,813,672 35,443 SH   SOLE   35,443 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   639,781 3,042 SH   SOLE   3,042 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   491,694 8,498 SH   SOLE   8,498 0 0
JOHNSON & JOHNSON COM 478160104   476,876 3,015 SH   SOLE   3,014 0 0
JPMORGAN CHASE & CO COM 46625H100   393,990 1,967 SH   SOLE   1,967 0 0
LINDE PLC SHS G54950103   383,861 827 SH   SOLE   826 0 0
LOWES COS INC COM 548661107   204,039 801 SH   SOLE   801 0 0
M & T BK CORP COM 55261F104   2,088,955 14,363 SH   SOLE   14,363 0 0
MERCK & CO INC COM 58933Y105   469,212 3,556 SH   SOLE   3,555 0 0
MICROSOFT CORP COM 594918104   1,906,183 4,531 SH   SOLE   4,530 0 0
MONDELEZ INTL INC CL A 609207105   823,773 11,768 SH   SOLE   11,768 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   332,860 938 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106   458,534 755 SH   SOLE   755 0 0
NEW JERSEY RES CORP COM 646025106   472,427 11,010 SH   SOLE   11,009 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102   186,853 15,468 SH   SOLE   15,468 0 0
NVIDIA CORPORATION COM 67066G104   1,301,126 1,440 SH   SOLE   1,440 0 0
ORACLE CORP COM 68389X105   338,119 2,692 SH   SOLE   2,691 0 0
PEPSICO INC COM 713448108   613,545 3,506 SH   SOLE   3,505 0 0
PFIZER INC COM 717081103   222,388 8,014 SH   SOLE   8,013 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107   4,946,492 99,527 SH   SOLE   99,527 0 0
PHILIP MORRIS INTL INC COM 718172109   1,602,849 17,495 SH   SOLE   17,494 0 0
PROCTER AND GAMBLE CO COM 742718109   1,579,397 9,734 SH   SOLE   9,734 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   611,171 9,152 SH   SOLE   9,152 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,206,264 30,914 SH   SOLE   30,914 0 0
SPDR SER TR DJ REIT ETF 78464A607   993,240 10,538 SH   SOLE   10,538 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   380,359 7,592 SH   SOLE   7,592 0 0
VALLEY NATL BANCORP COM 919794107   222,203 27,915 SH   SOLE   27,915 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,283,172 43,543 SH   SOLE   43,543 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,585,034 29,184 SH   SOLE   29,184 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,059,194 2,203 SH   SOLE   2,203 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   6,492,257 41,641 SH   SOLE   41,641 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   507,674 8,656 SH   SOLE   8,656 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   241,617 5,758 SH   SOLE   5,758 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703   2,622,374 47,854 SH   SOLE   47,853 0 0