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 25,027 231,260 SH   SOLE   0 0 231,260
AFLAC INC COM 001055102 317 6,201 SH   SOLE   0 0 6,201
ALPHABET INC CAP STK CL A 02079K305 239 116 SH   SOLE   0 0 116
ALPHABET INC CAP STK CL C 02079K107 18,272 8,833 SH   SOLE   0 0 8,833
AMAZON COM INC COM 023135106 780 252 SH   SOLE   0 0 252
AMERICAN EXPRESS CO COM 025816109 405 2,863 SH   SOLE   0 0 2,863
AMGEN INC COM 031162100 4,138 16,633 SH   SOLE   0 0 16,633
APPLE INC COM 037833100 14,727 120,564 SH   SOLE   0 0 120,564
AT&T INC COM 00206R102 10,962 362,133 SH   SOLE   0 0 362,133
BECTON DICKINSON & CO COM 075887109 4,721 19,417 SH   SOLE   0 0 19,417
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 697 2,730 SH   SOLE   0 0 2,730
BOEING CO COM 097023105 338 1,325 SH   SOLE   0 0 1,325
BRISTOL-MYERS SQUIBB CO COM 110122108 515 8,162 SH   SOLE   0 0 8,162
CAPITAL ONE FINL CORP COM 14040H105 6,115 48,060 SH   SOLE   0 0 48,060
CHEVRON CORP NEW COM 166764100 13,516 128,986 SH   SOLE   0 0 128,986
CINEDIGM CORP COM NEW 172406209 21 12,365 SH   SOLE   0 0 12,365
CISCO SYS INC COM 17275R102 24,645 476,601 SH   SOLE   0 0 476,601
COCA COLA CO COM 191216100 20,091 381,165 SH   SOLE   0 0 381,165
COLGATE PALMOLIVE CO COM 194162103 209 2,650 SH   SOLE   0 0 2,650
COMCAST CORP NEW CL A 20030N101 17,542 324,198 SH   SOLE   0 0 324,198
COMPUGEN LTD ORD M25722105 919 107,000 SH   SOLE   0 0 107,000
CONSOLIDATED EDISON INC COM 209115104 8,221 109,901 SH   SOLE   0 0 109,901
CVS HEALTH CORP COM 126650100 25,776 342,634 SH   SOLE   0 0 342,634
DUKE ENERGY CORP NEW COM NEW 26441C204 7,736 80,144 SH   SOLE   0 0 80,144
EBAY INC. COM 278642103 11,204 182,946 SH   SOLE   0 0 182,946
EXXON MOBIL CORP COM 30231G102 563 10,086 SH   SOLE   0 0 10,086
FACEBOOK INC CL A 30303M102 12,451 42,275 SH   SOLE   0 0 42,275
FEDEX CORP COM 31428X106 13,940 49,079 SH   SOLE   0 0 49,079
FISERV INC COM 337738108 5,767 48,444 SH   SOLE   0 0 48,444
GENERAL DYNAMICS CORP COM 369550108 3,957 21,794 SH   SOLE   0 0 21,794
GENERAL MLS INC COM 370334104 9,094 148,304 SH   SOLE   0 0 148,304
GILEAD SCIENCES INC COM 375558103 22,667 350,715 SH   SOLE   0 0 350,715
GOLDMAN SACHS GROUP INC COM 38141G104 14,243 43,558 SH   SOLE   0 0 43,558
INVESCO QQQ TR UNIT SER 1 46090E103 334 1,045 SH   SOLE   0 0 1,045
ISHARES INC CORE MSCI EMKT 46434G103 317 4,923 SH   SOLE   0 0 4,923
ISHARES TR 1 3 YR TREAS BD 464287457 1,133 13,134 SH   SOLE   0 0 13,134
ISHARES TR 3 7 YR TREAS BD 464288661 236 1,820 SH   SOLE   0 0 1,820
ISHARES TR CORE 1 5 YR USD 46432F859 2,977 58,051 SH   SOLE   0 0 58,051
ISHARES TR CORE S&P500 ETF 464287200 672 1,690 SH   SOLE   0 0 1,690
ISHARES TR ISHS 1-5YR INVS 464288646 1,884 34,462 SH   SOLE   0 0 34,462
ISHARES TR ISHS 5-10YR INVT 464288638 313 5,283 SH   SOLE   0 0 5,283
ISHARES TR MSCI EAFE ETF 464287465 2,166 28,545 SH   SOLE   0 0 28,545
ISHARES TR RUS 1000 GRW ETF 464287614 300 1,236 SH   SOLE   0 0 1,236
ISHARES TR RUSSELL 2000 ETF 464287655 1,634 7,396 SH   SOLE   0 0 7,396
ISHARES TR SHRT NAT MUN ETF 464288158 1,509 13,996 SH   SOLE   0 0 13,996
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 5,367 105,734 SH   SOLE   0 0 105,734
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 3,183 62,362 SH   SOLE   0 0 62,362
JOHNSON & JOHNSON COM 478160104 696 4,235 SH   SOLE   0 0 4,235
JPMORGAN CHASE & CO COM 46625H100 32,912 216,200 SH   SOLE   0 0 216,200
KELLOGG CO COM 487836108 23,062 364,330 SH   SOLE   0 0 364,330
KIMBERLY-CLARK CORP COM 494368103 9,070 65,227 SH   SOLE   0 0 65,227
L3HARRIS TECHNOLOGIES INC COM 502431109 4,844 23,899 SH   SOLE   0 0 23,899
LAKELAND BANCORP INC COM 511637100 468 26,876 SH   SOLE   0 0 26,876
LONGEVERON INC COM 54303L104 198 30,000 SH   SOLE   0 0 30,000
M & T BK CORP COM 55261F104 7,432 49,023 SH   SOLE   0 0 49,023
MERCK & CO. INC COM 58933Y105 10,937 141,878 SH   SOLE   0 0 141,878
METLIFE INC COM 59156R108 4,573 75,230 SH   SOLE   0 0 75,230
MICROSOFT CORP COM 594918104 38,494 163,269 SH   SOLE   0 0 163,269
MONDELEZ INTL INC CL A 609207105 7,996 136,606 SH   SOLE   0 0 136,606
MORGAN STANLEY COM NEW 617446448 12,485 160,767 SH   SOLE   0 0 160,767
PEPSICO INC COM 713448108 16,078 113,668 SH   SOLE   0 0 113,668
PIMCO ETF TR INTER MUN BD ACT 72201R866 501 8,915 SH   SOLE   0 0 8,915
PINNACLE WEST CAP CORP COM 723484101 19,025 233,867 SH   SOLE   0 0 233,867
PNC FINL SVCS GROUP INC COM 693475105 11,071 63,117 SH   SOLE   0 0 63,117
PROCTER AND GAMBLE CO COM 742718109 466 3,440 SH   SOLE   0 0 3,440
QUALCOMM INC COM 747525103 18,001 135,761 SH   SOLE   0 0 135,761
SCHLUMBERGER LTD COM 806857108 3,827 140,761 SH   SOLE   0 0 140,761
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,468 5,185 SH   SOLE   0 0 5,185
SPDR SER TR S&P DIVID ETF 78464A763 450 3,809 SH   SOLE   0 0 3,809
STATE STR CORP COM 857477103 11,642 138,583 SH   SOLE   0 0 138,583
TE CONNECTIVITY LTD REG SHS H84989104 12,755 98,793 SH   SOLE   0 0 98,793
TESLA INC COM 88160R101 697 1,043 SH   SOLE   0 0 1,043
THERMO FISHER SCIENTIFIC INC COM 883556102 9,962 21,829 SH   SOLE   0 0 21,829
TRUIST FINL CORP COM 89832Q109 21,283 364,939 SH   SOLE   0 0 364,939
UNILEVER PLC SPON ADR NEW 904767704 420 7,518 SH   SOLE   0 0 7,518
UNITED PARCEL SERVICE INC CL B 911312106 404 2,375 SH   SOLE   0 0 2,375
US BANCORP DEL COM NEW 902973304 23,066 417,031 SH   SOLE   0 0 417,031
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 264 3,217 SH   SOLE   0 0 3,217
VANGUARD INDEX FDS GROWTH ETF 922908736 535 2,081 SH   SOLE   0 0 2,081
VANGUARD INDEX FDS SMALL CP ETF 922908751 218 1,019 SH   SOLE   0 0 1,019
VANGUARD INDEX FDS TOTAL STK MKT 922908769 651 3,151 SH   SOLE   0 0 3,151
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 383 2,604 SH   SOLE   0 0 2,604
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 329 6,704 SH   SOLE   0 0 6,704
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,132 21,088 SH   SOLE   0 0 21,088
VERIZON COMMUNICATIONS INC COM 92343V104 12,185 209,539 SH   SOLE   0 0 209,539
VIACOMCBS INC CL B 92556H206 6,084 134,898 SH   SOLE   0 0 134,898
WALMART INC COM 931142103 242 1,783 SH   SOLE   0 0 1,783
WELLS FARGO CO NEW COM 949746101 9,864 252,472 SH   SOLE   0 0 252,472
ZIMMER BIOMET HOLDINGS INC COM 98956P102 10,430 65,152 SH   SOLE   0 0 65,152