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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 12,874 150,833 SH   SOLE   12,799 0 138,034
APPLE INC COM 037833100 10,255 40,328 SH   SOLE   39,571 0 757
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 9,411 229,430 SH   SOLE   225,130 0 4,300
MICROSOFT CORP COM 594918104 7,598 48,175 SH   SOLE   47,421 0 754
ISHARES TR RUSSELL 2000 ETF 464287655 6,654 58,138 SH   SOLE   56,359 0 1,779
SPDR SER TR BLMBRG BRC CNVRT 78464A359 6,546 136,765 SH   SOLE   135,383 0 1,382
AMAZON COM INC COM 023135106 5,888 3,020 SH   SOLE   2,971 0 49
VISA INC COM CL A 92826C839 5,830 36,184 SH   SOLE   35,760 0 424
STRYKER CORP COM 863667101 5,043 30,288 SH   SOLE   29,555 0 733
ISHARES TR RUS MID CAP ETF 464287499 5,005 115,926 SH   SOLE   111,231 0 4,695
ISHARES TR MSCI EMG MKT ETF 464287234 4,855 142,236 SH   SOLE   139,376 0 2,860
MASTERCARD INC CL A 57636Q104 4,577 18,946 SH   SOLE   18,454 0 492
JPMORGAN CHASE & CO COM 46625H100 4,234 47,032 SH   SOLE   46,043 0 989
AIR PRODS & CHEMS INC COM 009158106 4,080 20,441 SH   SOLE   20,206 0 235
ANTHEM INC COM 036752103 4,079 17,966 SH   SOLE   17,511 0 455
ALPHABET INC CAP STK CL A 02079K305 3,872 3,332 SH   SOLE   3,217 0 115
DISNEY WALT CO COM DISNEY 254687106 3,837 39,722 SH   SOLE   38,645 0 1,077
PEPSICO INC COM 713448108 3,661 30,479 SH   SOLE   29,857 0 622
AMGEN INC COM 031162100 3,272 16,140 SH   SOLE   15,949 0 191
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,180 40,205 SH   SOLE   3,587 0 36,618
ISHARES TR CORE S&P500 ETF 464287200 3,141 12,156 SH   SOLE   12,142 0 14
TRUIST FINL CORP COM 89832Q109 3,119 101,134 SH   SOLE   97,837 0 3,297
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,028 18,548 SH   SOLE   18,432 0 116
ISHARES TR MSCI EAFE ETF 464287465 3,009 56,278 SH   SOLE   54,818 0 1,460
ISHARES TR S&P MC 400VL ETF 464287705 2,562 23,343 SH   SOLE   22,903 0 440
ALLEGION PLC ORD SHS G0176J109 2,554 27,756 SH   SOLE   27,082 0 674
PNC FINL SVCS GROUP INC COM 693475105 2,383 24,895 SH   SOLE   24,895 0 0
BK OF AMERICA CORP COM 060505104 2,374 111,810 SH   SOLE   108,553 0 3,257
ISHARES TR CORE S&P MCP ETF 464287507 2,311 16,067 SH   SOLE   15,987 0 80
CHEVRON CORP NEW COM 166764100 2,282 31,495 SH   SOLE   30,829 0 666
ORACLE CORP COM 68389X105 2,257 46,707 SH   SOLE   45,007 0 1,700
DANAHER CORPORATION COM 235851102 2,250 16,255 SH   SOLE   15,205 0 1,050
TE CONNECTIVITY LTD REG SHS H84989104 2,215 35,168 SH   SOLE   34,818 0 350
UNILEVER PLC SPON ADR NEW 904767704 2,100 41,525 SH   SOLE   40,725 0 800
AMERISOURCEBERGEN CORP COM 03073E105 2,091 23,627 SH   SOLE   23,427 0 200
ARROW ELECTRS INC COM 042735100 2,087 40,226 SH   SOLE   38,360 0 1,866
LOWES COS INC COM 548661107 1,999 23,233 SH   SOLE   22,776 0 457
ALPHABET INC CAP STK CL C 02079K107 1,921 1,652 SH   SOLE   1,581 0 71
INVESCO QQQ TR UNIT SER 1 46090E103 1,911 10,038 SH   SOLE   9,888 0 150
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,895 44,944 SH   SOLE   43,994 0 950
DOMINION ENERGY INC COM 25746U109 1,888 26,152 SH   SOLE   25,695 0 457
LINDE PLC SHS G5494J103 1,885 10,898 SH   SOLE   10,678 0 220
HOME DEPOT INC COM 437076102 1,871 10,022 SH   SOLE   9,997 0 25
HUNTSMAN CORP COM 447011107 1,848 128,076 SH   SOLE   123,876 0 4,200
CARLISLE COS INC COM 142339100 1,809 14,442 SH   SOLE   14,231 0 211
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,809 19,983 SH   SOLE   19,883 0 100
EATON CORP PLC SHS G29183103 1,789 23,029 SH   SOLE   22,022 0 1,007
TRANE TECHNOLOGIES PLC SHS G8994E103 1,782 21,576 SH   SOLE   21,026 0 550
JOHNSON & JOHNSON COM 478160104 1,731 13,198 SH   SOLE   13,067 0 131
AT&T INC COM 00206R102 1,663 57,035 SH   SOLE   54,889 0 2,146
ABBOTT LABS COM 002824100 1,654 20,959 SH   SOLE   20,359 0 600
US BANCORP DEL COM NEW 902973304 1,648 47,835 SH   SOLE   46,275 0 1,560
FACEBOOK INC CL A 30303M102 1,632 9,786 SH   SOLE   9,671 0 115
THERMO FISHER SCIENTIFIC INC COM 883556102 1,614 5,693 SH   SOLE   5,608 0 85
VERIZON COMMUNICATIONS INC COM 92343V104 1,581 29,428 SH   SOLE   29,095 0 333
CHUBB LIMITED COM H1467J104 1,565 14,014 SH   SOLE   13,368 0 646
CONSTELLATION BRANDS INC CL A 21036P108 1,540 10,740 SH   SOLE   10,540 0 200
AMERICAN ELEC PWR CO INC COM 025537101 1,496 18,705 SH   SOLE   18,361 0 344
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,491 14,752 SH   SOLE   14,565 0 187
CVS HEALTH CORP COM 126650100 1,435 24,182 SH   SOLE   23,790 0 392
PULTE GROUP INC COM 745867101 1,424 63,817 SH   SOLE   62,617 0 1,200
ROYAL BK CDA COM 780087102 1,415 22,984 SH   SOLE   22,984 0 0
KEARNY FINL CORP MD COM 48716P108 1,348 156,946 SH   SOLE   156,946 0 0
HONEYWELL INTL INC COM 438516106 1,209 9,040 SH   SOLE   8,880 0 160
FIFTH THIRD BANCORP COM 316773100 1,180 79,463 SH   SOLE   77,073 0 2,390
S&P GLOBAL INC COM 78409V104 1,177 4,803 SH   SOLE   4,803 0 0
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 1,100 9,168 SH   SOLE   9,068 0 100
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 1,097 12,795 SH   SOLE   12,795 0 0
PPL CORP COM 69351T106 1,084 43,909 SH   SOLE   42,730 0 1,179
PHILLIPS 66 COM 718546104 1,074 20,028 SH   SOLE   19,668 0 360
CONOCOPHILLIPS COM 20825C104 1,002 32,537 SH   SOLE   32,259 0 278
CAPITAL ONE FINL CORP COM 14040H105 957 18,977 SH   SOLE   18,435 0 542
D R HORTON INC COM 23331A109 946 27,831 SH   SOLE   27,531 0 300
ISHARES TR SELECT DIVID ETF 464287168 945 12,855 SH   SOLE   12,855 0 0
INTEL CORP COM 458140100 935 17,274 SH   SOLE   17,274 0 0
PRICE T ROWE GROUP INC COM 74144T108 932 9,541 SH   SOLE   9,541 0 0
NIKE INC CL B 654106103 926 11,189 SH   SOLE   11,028 0 161
ABBVIE INC COM 00287Y109 911 11,957 SH   SOLE   11,957 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 882 6,456 SH   SOLE   6,456 0 0
PROCTER & GAMBLE CO COM 742718109 863 7,844 SH   SOLE   7,736 0 108
UNITED TECHNOLOGIES CORP COM 913017109 855 9,065 SH   SOLE   8,962 0 103
BRANDYWINE RLTY TR SH BEN INT NEW 105368203 853 81,044 SH   SOLE   79,729 0 1,315
NORFOLK SOUTHERN CORP COM 655844108 847 5,803 SH   SOLE   5,803 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 829 3,215 SH   SOLE   3,215 0 0
COLGATE PALMOLIVE CO COM 194162103 825 12,430 SH   SOLE   12,222 0 208
PARKER HANNIFIN CORP COM 701094104 797 6,140 SH   SOLE   5,900 0 240
NEXTERA ENERGY INC COM 65339F101 791 3,289 SH   SOLE   3,289 0 0
ILLINOIS TOOL WKS INC COM 452308109 773 5,440 SH   SOLE   5,370 0 70
ISHARES TR CORE US AGGBD ET 464287226 753 6,527 SH   SOLE   6,496 0 31
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 726 3,972 SH   SOLE   3,922 0 50
PROLOGIS INC. COM 74340W103 722 8,978 SH   SOLE   8,978 0 0
ISHARES TR CORE S&P SCP ETF 464287804 694 12,360 SH   SOLE   12,360 0 0
MASCO CORP COM 574599106 673 19,475 SH   SOLE   18,875 0 600
RAYTHEON CO COM NEW 755111507 658 5,015 SH   SOLE   5,015 0 0
NVIDIA CORP COM 67066G104 637 2,417 SH   SOLE   2,417 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 633 2,675 SH   SOLE   2,675 0 0
CATERPILLAR INC DEL COM 149123101 586 5,049 SH   SOLE   5,049 0 0
TARGET CORP COM 87612E106 564 6,069 SH   SOLE   5,769 0 300
DEERE & CO COM 244199105 554 4,009 SH   SOLE   3,834 0 175
INGERSOLL RAND INC COM 45687V106 553 22,297 SH   SOLE   21,813 0 484
KIMBERLY CLARK CORP COM 494368103 525 4,102 SH   SOLE   4,102 0 0
PFIZER INC COM 717081103 525 16,096 SH   SOLE   16,096 0 0
EXXON MOBIL CORP COM 30231G102 519 13,656 SH   SOLE   13,506 0 150
VANGUARD INDEX FDS SML CP GRW ETF 922908595 518 3,446 SH   SOLE   3,446 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 514 6,390 SH   SOLE   6,390 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 501 2,367 SH   SOLE   2,367 0 0
PPG INDS INC COM 693506107 491 5,877 SH   SOLE   5,797 0 80
M & T BK CORP COM 55261F104 489 4,730 SH   SOLE   4,730 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 485 8,943 SH   SOLE   8,943 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 482 26,595 SH   SOLE   26,035 0 560
UNITEDHEALTH GROUP INC COM 91324P102 463 1,857 SH   SOLE   1,857 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 430 14,791 SH   SOLE   14,791 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 421 3,792 SH   SOLE   3,792 0 0
BOEING CO COM 097023105 418 2,801 SH   SOLE   2,801 0 0
COCA COLA CO COM 191216100 402 9,076 SH   SOLE   8,311 0 765
MERCK & CO. INC COM 58933Y105 402 5,224 SH   SOLE   5,068 0 156
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 401 11,950 SH   SOLE   11,950 0 0
3M CO COM 88579Y101 386 2,828 SH   SOLE   2,828 0 0
ISHARES INC CORE MSCI EMKT 46434G103 383 9,456 SH   SOLE   9,406 0 50
BRISTOL-MYERS SQUIBB CO COM 110122108 382 6,855 SH   SOLE   6,643 0 212
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 371 11,137 SH   SOLE   11,137 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 354 3,607 SH   SOLE   3,607 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 342 4,233 SH   SOLE   3,911 0 322
CUMMINS INC COM 231021106 339 2,503 SH   SOLE   2,383 0 120
MOOG INC CL A 615394202 338 6,686 SH   SOLE   6,686 0 0
NETFLIX INC COM 64110L106 328 874 SH   SOLE   874 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 324 15,540 SH   SOLE   15,540 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 315 7,008 SH   SOLE   7,008 0 0
FEDEX CORP COM 31428X106 311 2,562 SH   SOLE   2,562 0 0
QUEST DIAGNOSTICS INC COM 74834L100 310 3,859 SH   SOLE   3,859 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 303 1,825 SH   SOLE   1,825 0 0
LOCKHEED MARTIN CORP COM 539830109 302 891 SH   SOLE   891 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 296 4,895 SH   SOLE   4,895 0 0
SPDR SER TR S&P DIVID ETF 78464A763 290 3,634 SH   SOLE   3,634 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 279 3,950 SH   SOLE   3,950 0 0
CISCO SYS INC COM 17275R102 269 6,836 SH   SOLE   6,676 0 160
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 269 4,398 SH   SOLE   4,398 0 0
ISHARES TR S&P MC 400GR ETF 464287606 264 1,482 SH   SOLE   1,482 0 0
NUCOR CORP COM 670346105 256 7,113 SH   SOLE   7,013 0 100
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 256 974 SH   SOLE   974 0 0
BECTON DICKINSON & CO COM 075887109 254 1,107 SH   SOLE   1,107 0 0
TRAVELERS COMPANIES INC COM 89417E109 247 2,488 SH   SOLE   2,488 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 246 9,506 SH   SOLE   9,506 0 0
WELLS FARGO CO NEW COM 949746101 231 8,052 SH   SOLE   8,052 0 0
COMCAST CORP NEW CL A 20030N101 223 6,489 SH   SOLE   6,489 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 218 5,152 SH   SOLE   5,152 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 217 1,720 SH   SOLE   1,660 0 60
AMERICAN TOWER CORP NEW COM 03027X100 212 972 SH   SOLE   919 0 53
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 212 3,596 SH   SOLE   3,596 0 0
STARBUCKS CORP COM 855244109 207 3,156 SH   SOLE   2,726 0 430
DOLLAR GEN CORP NEW COM 256677105 206 1,365 SH   SOLE   1,365 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 201 1,745 SH   SOLE   1,745 0 0
HERSHA HOSPITALITY TR PR SHS BEN INT 427825500 156 43,691 SH   SOLE   0 0 43,691
WELBILT INC COM 949090104 143 27,858 SH   SOLE   27,858 0 0
FORD MTR CO DEL COM 345370860 90 18,699 SH   SOLE   18,699 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 154 15,910 SH   SOLE   15,110 0 800
MARATHON OIL CORP COM 565849106 37 11,339 SH   SOLE   11,339 0 0
MYLAN NV SHS EURO N59465109 157 10,550 SH   SOLE   10,400 0 150