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 24,410 227,811 SH   SOLE   0 0 227,811
AFLAC INC COM 001055102 276 6,201 SH   SOLE   0 0 6,201
ALPHABET INC CAP STK CL A 02079K305 219 125 SH   SOLE   0 0 125
ALPHABET INC CAP STK CL C 02079K107 15,706 8,965 SH   SOLE   0 0 8,965
AMAZON COM INC COM 023135106 821 252 SH   SOLE   0 0 252
AMERICAN EXPRESS CO COM 025816109 346 2,863 SH   SOLE   0 0 2,863
APPLE INC COM 037833100 16,061 121,045 SH   SOLE   0 0 121,045
AT&T INC COM 00206R102 9,938 345,536 SH   SOLE   0 0 345,536
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 654 2,822 SH   SOLE   0 0 2,822
BOEING CO COM 097023105 284 1,325 SH   SOLE   0 0 1,325
BRISTOL-MYERS SQUIBB CO COM 110122108 661 10,659 SH   SOLE   0 0 10,659
CAPITAL ONE FINL CORP COM 14040H105 7,551 76,387 SH   SOLE   0 0 76,387
CHEVRON CORP NEW COM 166764100 10,813 128,037 SH   SOLE   0 0 128,037
CINEDIGM CORP COM NEW 172406209 8 12,365 SH   SOLE   0 0 12,365
CISCO SYS INC COM 17275R102 21,297 475,908 SH   SOLE   0 0 475,908
COCA COLA CO COM 191216100 13,024 237,488 SH   SOLE   0 0 237,488
COLGATE PALMOLIVE CO COM 194162103 227 2,650 SH   SOLE   0 0 2,650
COMCAST CORP NEW CL A 20030N101 15,122 288,597 SH   SOLE   0 0 288,597
COMPUGEN LTD ORD M25722105 1,278 105,500 SH   SOLE   0 0 105,500
CONSOLIDATED EDISON INC COM 209115104 6,305 87,240 SH   SOLE   0 0 87,240
CVS HEALTH CORP COM 126650100 22,806 333,916 SH   SOLE   0 0 333,916
DISNEY WALT CO COM 254687106 207 1,140 SH   SOLE   0 0 1,140
DUKE ENERGY CORP NEW COM NEW 26441C204 6,851 74,830 SH   SOLE   0 0 74,830
EATON CORP PLC SHS G29183103 4,769 39,692 SH   SOLE   0 0 39,692
EBAY INC. COM 278642103 9,442 187,893 SH   SOLE   0 0 187,893
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 71 11,544 SH   SOLE   0 0 11,544
EXXON MOBIL CORP COM 30231G102 440 10,681 SH   SOLE   0 0 10,681
FACEBOOK INC CL A 30303M102 11,515 42,155 SH   SOLE   0 0 42,155
FEDEX CORP COM 31428X106 12,857 49,524 SH   SOLE   0 0 49,524
FISERV INC COM 337738108 2,512 22,065 SH   SOLE   0 0 22,065
GENERAL DYNAMICS CORP COM 369550108 550 3,698 SH   SOLE   0 0 3,698
GENERAL MLS INC COM 370334104 8,146 138,535 SH   SOLE   0 0 138,535
GILEAD SCIENCES INC COM 375558103 17,495 300,285 SH   SOLE   0 0 300,285
GOLDMAN SACHS GROUP INC COM 38141G104 11,785 44,688 SH   SOLE   0 0 44,688
HOME DEPOT INC COM 437076102 4,337 16,327 SH   SOLE   0 0 16,327
INTERNATIONAL BUSINESS MACHS COM 459200101 6,004 47,697 SH   SOLE   0 0 47,697
INVESCO QQQ TR UNIT SER 1 46090E103 308 982 SH   SOLE   0 0 982
ISHARES INC CORE MSCI EMKT 46434G103 342 5,516 SH   SOLE   0 0 5,516
ISHARES TR 1 3 YR TREAS BD 464287457 1,115 12,910 SH   SOLE   0 0 12,910
ISHARES TR 3 7 YR TREAS BD 464288661 237 1,785 SH   SOLE   0 0 1,785
ISHARES TR CORE 1 5 YR USD 46432F859 1,763 34,133 SH   SOLE   0 0 34,133
ISHARES TR CORE S&P500 ETF 464287200 609 1,623 SH   SOLE   0 0 1,623
ISHARES TR ISHS 1-5YR INVS 464288646 1,020 18,488 SH   SOLE   0 0 18,488
ISHARES TR ISHS 5-10YR INVT 464288638 288 4,664 SH   SOLE   0 0 4,664
ISHARES TR MSCI EAFE ETF 464287465 2,212 30,315 SH   SOLE   0 0 30,315
ISHARES TR RUSSELL 2000 ETF 464287655 1,218 6,214 SH   SOLE   0 0 6,214
ISHARES TR SHORT TREAS BD 464288679 552 4,994 SH   SOLE   0 0 4,994
ISHARES TR SHRT NAT MUN ETF 464288158 1,513 13,996 SH   SOLE   0 0 13,996
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 3,856 75,924 SH   SOLE   0 0 75,924
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,887 36,976 SH   SOLE   0 0 36,976
JOHNSON & JOHNSON COM 478160104 4,125 26,212 SH   SOLE   0 0 26,212
JPMORGAN CHASE & CO COM 46625H100 27,358 215,300 SH   SOLE   0 0 215,300
KELLOGG CO COM 487836108 20,953 336,704 SH   SOLE   0 0 336,704
KIMBERLY-CLARK CORP COM 494368103 8,259 61,252 SH   SOLE   0 0 61,252
L3HARRIS TECHNOLOGIES INC COM 502431109 2,852 15,087 SH   SOLE   0 0 15,087
LAKELAND BANCORP INC COM 511637100 341 26,876 SH   SOLE   0 0 26,876
M & T BK CORP COM 55261F104 2,965 23,291 SH   SOLE   0 0 23,291
MERCK & CO. INC COM 58933Y105 9,893 120,937 SH   SOLE   0 0 120,937
METLIFE INC COM 59156R108 20,401 434,531 SH   SOLE   0 0 434,531
MICROSOFT CORP COM 594918104 36,836 165,614 SH   SOLE   0 0 165,614
MONDELEZ INTL INC CL A 609207105 8,195 140,155 SH   SOLE   0 0 140,155
MORGAN STANLEY COM NEW 617446448 14,409 210,254 SH   SOLE   0 0 210,254
OPKO HEALTH INC COM 68375N103 40 10,000 SH   SOLE   0 0 10,000
PEPSICO INC COM 713448108 9,395 63,348 SH   SOLE   0 0 63,348
PIMCO ETF TR INTER MUN BD ACT 72201R866 506 8,915 SH   SOLE   0 0 8,915
PINNACLE WEST CAP CORP COM 723484101 6,591 82,438 SH   SOLE   0 0 82,438
PNC FINL SVCS GROUP INC COM 693475105 9,236 61,988 SH   SOLE   0 0 61,988
PROCTER AND GAMBLE CO COM 742718109 453 3,255 SH   SOLE   0 0 3,255
QUALCOMM INC COM 747525103 20,311 133,324 SH   SOLE   0 0 133,324
SCHLUMBERGER LTD COM 806857108 3,054 139,877 SH   SOLE   0 0 139,877
SPDR SER TR S&P DIVID ETF 78464A763 404 3,809 SH   SOLE   0 0 3,809
STATE STR CORP COM 857477103 10,241 140,713 SH   SOLE   0 0 140,713
TE CONNECTIVITY LTD REG SHS H84989104 12,159 100,431 SH   SOLE   0 0 100,431
THERMO FISHER SCIENTIFIC INC COM 883556102 10,173 21,840 SH   SOLE   0 0 21,840
TRUIST FINL CORP COM 89832Q109 17,313 361,212 SH   SOLE   0 0 361,212
UNITED PARCEL SERVICE INC CL B 911312106 3,928 23,324 SH   SOLE   0 0 23,324
US BANCORP DEL COM NEW 902973304 5,359 115,032 SH   SOLE   0 0 115,032
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 264 3,182 SH   SOLE   0 0 3,182
VANGUARD INDEX FDS GROWTH ETF 922908736 329 1,298 SH   SOLE   0 0 1,298
VANGUARD INDEX FDS TOTAL STK MKT 922908769 613 3,151 SH   SOLE   0 0 3,151
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 342 2,421 SH   SOLE   0 0 2,421
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 877 9,584 SH   SOLE   0 0 9,584
VERIZON COMMUNICATIONS INC COM 92343V104 10,053 171,118 SH   SOLE   0 0 171,118
VIACOMCBS INC CL B 92556H206 14,320 384,328 SH   SOLE   0 0 384,328
WALMART INC COM 931142103 257 1,783 SH   SOLE   0 0 1,783
WELLS FARGO CO NEW COM 949746101 7,623 252,596 SH   SOLE   0 0 252,596
ZIMMER BIOMET HOLDINGS INC COM 98956P102 10,675 69,278 SH   SOLE   0 0 69,278