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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 261 3,432 SH   SOLE   3,432 0 0
ALTRIA GROUP INC COM 02209S103 3,258 84,260 SH   SOLE   81,906 0 2,354
AMERICAN ELEC PWR CO INC COM 025537101 334 4,177 SH   SOLE   4,177 0 0
ANTHEM INC COM 036752103 633 2,788 SH   SOLE   2,788 0 0
APPLE INC COM 037833100 1,504 5,915 SH   SOLE   5,915 0 0
AT&T INC COM 00206R102 382 13,107 SH   SOLE   13,107 0 0
BALL CORP COM 058498106 208 3,221 SH   SOLE   3,221 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 431 2,359 SH   SOLE   2,359 0 0
BRANDYWINE RLTY TR SH BEN INT NEW 105368203 607 57,731 SH   SOLE   57,731 0 0
CARMAX INC COM 143130102 2,225 41,340 SH   SOLE   41,340 0 0
COCA COLA CO COM 191216100 331 7,477 SH   SOLE   7,477 0 0
COSTCO WHSL CORP NEW COM 22160K105 244 857 SH   SOLE   857 0 0
CSX CORP COM 126408103 277 4,826 SH   SOLE   4,826 0 0
DOMINION ENERGY INC COM 25746U109 1,638 22,690 SH   SOLE   22,690 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 260 3,210 SH   SOLE   3,210 0 0
EXXON MOBIL CORP COM 30231G102 422 11,124 SH   SOLE   11,124 0 0
GENERAL ELECTRIC CO COM 369604103 90 11,293 SH   SOLE   10,485 0 808
GRAINGER W W INC COM 384802104 298 1,198 SH   SOLE   1,198 0 0
HCA HEALTHCARE INC COM 40412C101 742 8,253 SH   SOLE   8,253 0 0
HOME DEPOT INC COM 437076102 736 3,943 SH   SOLE   3,943 0 0
HONEYWELL INTL INC COM 438516106 227 1,693 SH   SOLE   1,693 0 0
INTEL CORP COM 458140100 293 5,408 SH   SOLE   5,408 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 201 1,814 SH   SOLE   1,814 0 0
ISHARES TR SELECT DIVID ETF 464287168 6,449 87,689 SH   SOLE   87,471 0 218
ISHARES TR RUS 2000 VAL ETF 464287630 372 4,533 SH   SOLE   4,533 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 31,934 679,306 SH   SOLE   679,306 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 1,398 33,785 SH   SOLE   33,785 0 0
ISHARES TR CONSER ALLOC ETF 464289883 378 11,187 SH   SOLE   11,187 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 275 2,772 SH   SOLE   2,772 0 0
ISHARES TR AGGRES ALLOC ETF 464289859 1,050 22,123 SH   SOLE   22,123 0 0
ISHARES TR CORE S&P MCP ETF 464287507 3,283 22,818 SH   SOLE   22,818 0 0
ISHARES TR CORE S&P500 ETF 464287200 19,210 74,341 SH   SOLE   73,587 0 754
ISHARES TR MODERT ALLOC ETF 464289875 988 26,890 SH   SOLE   26,511 0 379
JOHNSON & JOHNSON COM 478160104 581 4,430 SH   SOLE   4,430 0 0
LAKELAND BANCORP INC COM 511637100 112 10,333 SH   SOLE   10,333 0 0
LOWES COS INC COM 548661107 764 8,879 SH   SOLE   8,879 0 0
MAXIMUS INC COM 577933104 380 6,526 SH   SOLE   6,526 0 0
MCDONALDS CORP COM 580135101 364 2,201 SH   SOLE   2,201 0 0
MERCK & CO. INC COM 58933Y105 251 3,258 SH   SOLE   3,258 0 0
MICROSOFT CORP COM 594918104 1,559 9,886 SH   SOLE   9,886 0 0
MONDELEZ INTL INC CL A 609207105 448 8,948 SH   SOLE   8,948 0 0
NASDAQ INC COM 631103108 532 5,599 SH   SOLE   5,599 0 0
NORFOLK SOUTHERN CORP COM 655844108 392 2,687 SH   SOLE   2,687 0 0
PFIZER INC COM 717081103 487 14,919 SH   SOLE   14,919 0 0
PHILIP MORRIS INTL INC COM 718172109 2,549 34,934 SH   SOLE   34,934 0 0
POLARIS INC COM 731068102 336 6,975 SH   SOLE   6,975 0 0
PROCTER & GAMBLE CO COM 742718109 353 3,208 SH   SOLE   3,208 0 0
SOUTHERN CO COM 842587107 316 5,842 SH   SOLE   5,842 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 562 2,182 SH   SOLE   2,182 0 0
TRUIST FINL CORP COM 89832Q109 240 7,774 SH   SOLE   7,774 0 0
UDR INC COM 902653104 391 10,713 SH   SOLE   10,713 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 76,699 933,306 SH   SOLE   929,567 0 3,739
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 3,011 35,279 SH   SOLE   35,063 0 216
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,061 72,189 SH   SOLE   72,189 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 23,420 197,751 SH   SOLE   196,627 0 1,124
VANGUARD INDEX FDS MID CAP ETF 922908629 5,458 41,456 SH   SOLE   41,456 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 373 5,338 SH   SOLE   5,338 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 683 5,918 SH   SOLE   5,918 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 76,624 594,400 SH   SOLE   591,023 0 3,377
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,120 136,490 SH   SOLE   136,162 0 328
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,266 128,373 SH   SOLE   126,768 0 1,605
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 1,318 21,148 SH   SOLE   21,148 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 284 2,750 SH   SOLE   2,750 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 26,472 291,088 SH   SOLE   289,660 0 1,428
VERIZON COMMUNICATIONS INC COM 92343V104 357 6,644 SH   SOLE   6,644 0 0
WALMART INC COM 931142103 271 2,385 SH   SOLE   2,385 0 0