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
ALLSTATE CORP COM 020002101 221 1,734 SH   SOLE   0 0 1,734
AMAZON COM INC COM 023135106 1,528 465 SH   SOLE   0 0 465
ANNALY CAPITAL MANAGEMENT IN COM 035710409 169 20,050 SH   SOLE   0 0 20,050
APPLE INC COM 037833100 4,806 33,966 SH   SOLE   0 0 33,966
BK OF AMERICA CORP COM 060505104 1,344 31,660 SH   SOLE   0 0 31,660
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 644 2,359 SH   SOLE   0 0 2,359
BOSTON BEER INC CL A 100557107 311 610 SH   SOLE   0 0 610
BRISTOL-MYERS SQUIBB CO COM 110122108 644 10,878 SH   SOLE   0 0 10,878
CSX CORP COM 126408103 811 27,266 SH   SOLE   0 0 27,266
CALAMOS CONV OPPORTUNITIES & SH BEN INT 128117108 214 14,313 SH   SOLE   0 0 14,313
CALIFORNIA WTR SVC GROUP COM 130788102 613 10,410 SH   SOLE   0 0 10,410
CELULARITY INC *W EXP 05/24/202 151190113 12 10,000 SH   SOLE   0 0 10,000
CHURCH & DWIGHT INC COM 171340102 1,280 15,496 SH   SOLE   0 0 15,496
COCA COLA CO COM 191216100 340 6,484 SH   SOLE   0 0 6,484
COLGATE PALMOLIVE CO COM 194162103 265 3,510 SH   SOLE   0 0 3,510
CONSOLIDATED EDISON INC COM 209115104 1,366 18,812 SH   SOLE   0 0 18,812
DEERE & CO COM 244199105 624 1,861 SH   SOLE   0 0 1,861
DISNEY WALT CO COM 254687106 335 1,983 SH   SOLE   0 0 1,983
DOCUSIGN INC COM 256163106 1,002 3,892 SH   SOLE   0 0 3,892
ESSEX PPTY TR INC COM 297178105 340 1,063 SH   SOLE   0 0 1,063
FS KKR CAP CORP COM 302635206 245 11,095 SH   SOLE   0 0 11,095
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 238 5,000 SH   SOLE   0 0 5,000
FORD MTR CO DEL COM 345370860 215 15,173 SH   SOLE   0 0 15,173
GENERAL ELECTRIC CO COM NEW 369604301 216 2,101 SH   SOLE   0 0 2,101
GENERAL MLS INC COM 370334104 1,397 23,351 SH   SOLE   0 0 23,351
GOLDMAN SACHS ETF TR ACCESS HIG YLD 381430453 489 9,749 SH   SOLE   0 0 9,749
HOME DEPOT INC COM 437076102 586 1,786 SH   SOLE   0 0 1,786
HORMEL FOODS CORP COM 440452100 764 18,634 SH   SOLE   0 0 18,634
INTERNATIONAL BUSINESS MACHS COM 459200101 222 1,595 SH   SOLE   0 0 1,595
ISHARES TR TIPS BD ETF 464287176 1,803 14,118 SH   SOLE   0 0 14,118
ISHARES TR CORE S&P500 ETF 464287200 11,835 27,471 SH   SOLE   0 0 27,471
ISHARES TR 1 3 YR TREAS BD 464287457 303 3,520 SH   SOLE   0 0 3,520
ISHARES TR MSCI EAFE ETF 464287465 366 4,696 SH   SOLE   0 0 4,696
ISHARES TR RUS MDCP VAL ETF 464287473 467 4,127 SH   SOLE   0 0 4,127
ISHARES TR RUS MD CP GR ETF 464287481 308 2,745 SH   SOLE   0 0 2,745
ISHARES TR CORE S&P MCP ETF 464287507 1,653 6,282 SH   SOLE   0 0 6,282
ISHARES TR ISHARES BIOTECH 464287556 1,142 7,065 SH   SOLE   0 0 7,065
ISHARES TR RUSSELL 2000 ETF 464287655 294 1,345 SH   SOLE   0 0 1,345
ISHARES TR CORE S&P US VLU 464287663 2,185 30,821 SH   SOLE   0 0 30,821
ISHARES TR CORE S&P US GWT 464287671 1,808 17,654 SH   SOLE   0 0 17,654
ISHARES TR CORE S&P SCP ETF 464287804 371 3,401 SH   SOLE   0 0 3,401
ISHARES TR RESIDENTIAL MULT 464288562 641 7,486 SH   SOLE   0 0 7,486
ISHARES TR ISHS 1-5YR INVS 464288646 6,881 125,937 SH   SOLE   0 0 125,937
ISHARES TR MODERT ALLOC ETF 464289875 653 14,598 SH   SOLE   0 0 14,598
JOHNSON & JOHNSON COM 478160104 423 2,622 SH   SOLE   0 0 2,622
KELLOGG CO COM 487836108 615 9,623 SH   SOLE   0 0 9,623
KIMBERLY-CLARK CORP COM 494368103 1,307 9,867 SH   SOLE   0 0 9,867
MCCORMICK & CO INC COM NON VTG 579780206 374 4,616 SH   SOLE   0 0 4,616
MICROSOFT CORP COM 594918104 1,632 5,787 SH   SOLE   0 0 5,787
MICRON TECHNOLOGY INC COM 595112103 508 7,152 SH   SOLE   0 0 7,152
NEW JERSEY RES CORP COM 646025106 212 6,100 SH   SOLE   0 0 6,100
NORFOLK SOUTHN CORP COM 655844108 236 986 SH   SOLE   0 0 986
PEPSICO INC COM 713448108 473 3,148 SH   SOLE   0 0 3,148
PFIZER INC COM 717081103 515 11,981 SH   SOLE   0 0 11,981
PROCTER AND GAMBLE CO COM 742718109 248 1,774 SH   SOLE   0 0 1,774
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 381 6,257 SH   SOLE   0 0 6,257
REALTY INCOME CORP COM 756109104 272 4,187 SH   SOLE   0 0 4,187
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 377 3,634 SH   SOLE   0 0 3,634
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 5,388 36,383 SH   SOLE   0 0 36,383
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,062 45,372 SH   SOLE   0 0 45,372
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 378 3,777 SH   SOLE   0 0 3,777
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 3,096 60,471 SH   SOLE   0 0 60,471
SOUTHERN CO COM 842587107 2,489 40,164 SH   SOLE   0 0 40,164
SOUTHWEST AIRLS CO COM 844741108 209 4,067 SH   SOLE   0 0 4,067
SQUARE INC CL A 852234103 380 1,586 SH   SOLE   0 0 1,586
STARBUCKS CORP COM 855244109 310 2,810 SH   SOLE   0 0 2,810
TEXAS INSTRS INC COM 882508104 229 1,192 SH   SOLE   0 0 1,192
UNITED PARCEL SERVICE INC CL B 911312106 5,476 30,070 SH   SOLE   0 0 30,070
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,144 20,469 SH   SOLE   0 0 20,469
VANGUARD STAR FDS VG TL INTL STK F 921909768 277 4,378 SH   SOLE   0 0 4,378
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,851 7,884 SH   SOLE   0 0 7,884
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 739 4,249 SH   SOLE   0 0 4,249
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 925 4,592 SH   SOLE   0 0 4,592
VANGUARD WELLINGTON FD US VALUE FACTR 921935805 907 9,170 SH   SOLE   0 0 9,170
VANGUARD BD INDEX FDS INTERMED TERM 921937819 264 2,957 SH   SOLE   0 0 2,957
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,129 13,774 SH   SOLE   0 0 13,774
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,017 11,897 SH   SOLE   0 0 11,897
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,596 31,604 SH   SOLE   0 0 31,604
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 976 9,442 SH   SOLE   0 0 9,442
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,524 105,052 SH   SOLE   0 0 105,052
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 612 12,243 SH   SOLE   0 0 12,243
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 439 8,016 SH   SOLE   0 0 8,016
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 229 581 SH   SOLE   0 0 581
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,447 14,216 SH   SOLE   0 0 14,216
VANGUARD INDEX FDS MID CAP ETF 922908629 433 1,830 SH   SOLE   0 0 1,830
VANGUARD INDEX FDS GROWTH ETF 922908736 214 736 SH   SOLE   0 0 736
VANGUARD INDEX FDS VALUE ETF 922908744 331 2,445 SH   SOLE   0 0 2,445
VANGUARD INDEX FDS SMALL CP ETF 922908751 870 3,980 SH   SOLE   0 0 3,980
VANGUARD INDEX FDS TOTAL STK MKT 922908769 368 1,657 SH   SOLE   0 0 1,657
RAYTHEON TECHNOLOGIES CORP COM 75513E101 372 4,324 SH   SOLE   0 0 4,324
INVESCO QQQ TR UNIT SER 1 46090E103 4,074 11,382 SH   SOLE   0 0 11,382
TARGET CORP COM 87612E106 388 1,694 SH   SOLE   0 0 1,694
AT&T INC COM 00206R102 1,068 39,524 SH   SOLE   0 0 39,524
ARK ETF TR INNOVATION ETF 00214Q104 1,233 11,158 SH   SOLE   0 0 11,158
ARK ETF TR NEXT GNRTN INTER 00214Q401 336 2,420 SH   SOLE   0 0 2,420
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS 00326A104 203 12,059 SH   SOLE   0 0 12,059
ADOBE SYSTEMS INCORPORATED COM 00724F101 241 419 SH   SOLE   0 0 419
ALPHABET INC CAP STK CL C 02079K107 4,238 1,590 SH   SOLE   0 0 1,590
ALPHABET INC CAP STK CL A 02079K305 1,532 573 SH   SOLE   0 0 573
ALTRIA GROUP INC COM 02209S103 209 4,591 SH   SOLE   0 0 4,591
BLACKSTONE INC COM 09260D107 233 2,000 SH   SOLE   0 0 2,000
CAMECO CORP COM 13321L108 436 20,075 SH   SOLE   0 0 20,075
CISCO SYS INC COM 17275R102 290 5,324 SH   SOLE   0 0 5,324
CROWDSTRIKE HLDGS INC CL A 22788C105 751 3,054 SH   SOLE   0 0 3,054
DOMINION ENERGY INC COM 25746U109 984 13,469 SH   SOLE   0 0 13,469
EXXON MOBIL CORP COM 30231G102 589 10,022 SH   SOLE   0 0 10,022
FACEBOOK INC CL A 30303M102 394 1,161 SH   SOLE   0 0 1,161
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506 2,491 52,483 SH   SOLE   0 0 52,483
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 277 4,886 SH   SOLE   0 0 4,886
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 379 7,501 SH   SOLE   0 0 7,501
FIRST TR EXCHNG TRADED FD VI US EQT BUFFER 33740F763 1,556 42,414 SH   SOLE   0 0 42,414
FIRST TR EXCHNG TRADED FD VI US EQT DEEP DUFR 33740F771 735 21,474 SH   SOLE   0 0 21,474
HIGHLAND GLOBAL ALLOCATION F COM 43010T104 640 70,434 SH   SOLE   0 0 70,434
IDEXX LABS INC COM 45168D104 252 406 SH   SOLE   0 0 406
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 603 11,939 SH   SOLE   0 0 11,939
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 383 19,349 SH   SOLE   0 0 19,349
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 218 1,379 SH   SOLE   0 0 1,379
ISHARES TR MSCI EAFE MIN VL 46429B689 225 2,983 SH   SOLE   0 0 2,983
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 623 12,434 SH   SOLE   0 0 12,434
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 221 4,410 SH   SOLE   0 0 4,410
ISHARES TR CORE MSCI EAFE 46432F842 396 5,340 SH   SOLE   0 0 5,340
ISHARES TR 0-5YR HI YL CP 46434V407 2,237 48,954 SH   SOLE   0 0 48,954
ISHARES TR BROAD USD HIGH 46435U853 454 10,928 SH   SOLE   0 0 10,928
JPMORGAN CHASE & CO COM 46625H100 298 1,820 SH   SOLE   0 0 1,820
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 596 11,757 SH   SOLE   0 0 11,757
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 702 13,587 SH   SOLE   0 0 13,587
MAINSTAY MACKAY DEFINEDTERM COM 56064K100 373 17,023 SH   SOLE   0 0 17,023
MASTERCARD INCORPORATED CL A 57636Q104 1,753 5,042 SH   SOLE   0 0 5,042
MODERNA INC COM 60770K107 1,018 2,646 SH   SOLE   0 0 2,646
NIO INC SPON ADS 62914V106 476 13,350 SH   SOLE   0 0 13,350
NEXTERA ENERGY INC COM 65339F101 541 6,886 SH   SOLE   0 0 6,886
NEXPOINT STRATEGIC OPPORTES COM NEW 65340G205 871 62,618 SH   SOLE   0 0 62,618
NVIDIA CORPORATION COM 67066G104 399 1,925 SH   SOLE   0 0 1,925
OSI ETF TR OSHARES US QUALT 67110P407 848 20,377 SH   SOLE   0 0 20,377
OTIS WORLDWIDE CORP COM 68902V107 384 4,672 SH   SOLE   0 0 4,672
PACER FDS TR TRENDP US LAR CP 69374H105 308 8,175 SH   SOLE   0 0 8,175
PAYPAL HLDGS INC COM 70450Y103 304 1,168 SH   SOLE   0 0 1,168
PETROLEO BRASILEIRO SA PETRO SPONSORED ADR 71654V408 104 10,017 SH   SOLE   0 0 10,017
PROSHARES TR S&P 500 DV ARIST 74348A467 297 3,353 SH   SOLE   0 0 3,353
PUBLIC STORAGE COM 74460D109 230 774 SH   SOLE   0 0 774
RINGCENTRAL INC CL A 76680R206 321 1,478 SH   SOLE   0 0 1,478
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,246 35,527 SH   SOLE   0 0 35,527
SPDR GOLD TR GOLD SHS 78463V107 697 4,243 SH   SOLE   0 0 4,243
SPDR SER TR PRTFLO S&P500 GW 78464A409 978 15,278 SH   SOLE   0 0 15,278
SPDR SER TR PORTFOLIO S&P400 78464A847 212 4,598 SH   SOLE   0 0 4,598
SPDR SER TR PORTFOLIO S&P500 78464A854 479 9,485 SH   SOLE   0 0 9,485
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 271 802 SH   SOLE   0 0 802
SPDR SER TR PRTFLO S&P500 HI 78468R788 227 5,791 SH   SOLE   0 0 5,791
SPDR SER TR PORTFOLIO S&P600 78468R853 606 14,215 SH   SOLE   0 0 14,215
SALESFORCE COM INC COM 79466L302 640 2,360 SH   SOLE   0 0 2,360
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 239 1,602 SH   SOLE   0 0 1,602
SEELOS THERAPEUTICS INC COM 81577F109 48 20,000 SH   SOLE   0 0 20,000
SIRIUS XM HOLDINGS INC COM 82968B103 74 12,205 SH   SOLE   0 0 12,205
TESLA INC COM 88160R101 246 317 SH   SOLE   0 0 317
UNITEDHEALTH GROUP INC COM 91324P102 482 1,233 SH   SOLE   0 0 1,233
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 612 2,387 SH   SOLE   0 0 2,387
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 382 6,705 SH   SOLE   0 0 6,705
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 304 1,229 SH   SOLE   0 0 1,229
VANGUARD WORLD FDS UTILITIES ETF 92204A876 636 4,570 SH   SOLE   0 0 4,570
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,500 18,204 SH   SOLE   0 0 18,204
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 628 11,793 SH   SOLE   0 0 11,793
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 473 5,011 SH   SOLE   0 0 5,011
VERIZON COMMUNICATIONS INC COM 92343V104 269 4,989 SH   SOLE   0 0 4,989
VICTORY PORTFOLIOS II VICTORYSHS INTRM 92647N527 1,072 20,015 SH   SOLE   0 0 20,015
VISA INC COM CL A 92826C839 789 3,543 SH   SOLE   0 0 3,543
WP CAREY INC COM 92936U109 251 3,435 SH   SOLE   0 0 3,435
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,555 29,068 SH   SOLE   0 0 29,068
WISDOMTREE TR EUROPE SMCP DV 97717W869 2,072 28,842 SH   SOLE   0 0 28,842