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 360 2,681 SH   SOLE   2,681 0 0
ALPHABET INC CAP STK CL C 02079K107 1,086 11,300 SH   SOLE   11,300 0 0
ALTRIA GROUP INC COM 02209S103 601 14,882 SH   SOLE   14,882 0 0
AMAZON COM INC COM 023135106 452 4,000 SH Call SOLE   0 0 0
AMAZON COM INC COM 023135106 1,060 9,380 SH   SOLE   9,380 0 0
AMTD IDEA GROUP SPONSORED ADS 00180G106 22 18,600 SH   SOLE   18,600 0 0
APPLE INC COM 037833100 13,476 97,513 SH   SOLE   97,513 0 0
AT&T INC COM 00206R102 540 35,210 SH   SOLE   35,209 0 0
BK OF AMERICA CORP COM 060505104 271 8,986 SH   SOLE   8,986 0 0
BOEING CO COM 097023105 613 5,061 SH   SOLE   5,061 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 628 8,839 SH   SOLE   8,839 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 1,259 61,649 SH   SOLE   61,649 0 0
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 897 47,971 SH   SOLE   47,971 0 0
CHEVRON CORP NEW COM 166764100 795 5,530 SH   SOLE   5,530 0 0
COLGATE PALMOLIVE CO COM 194162103 342 4,872 SH   SOLE   4,872 0 0
COMCAST CORP NEW CL A 20030N101 344 11,717 SH   SOLE   11,717 0 0
CVS HEALTH CORP COM 126650100 251 2,631 SH   SOLE   2,630 0 0
DISNEY WALT CO COM 254687106 601 6,366 SH   SOLE   6,366 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607 1,307 52,294 SH   SOLE   52,294 0 0
EXXON MOBIL CORP COM 30231G102 1,576 18,049 SH   SOLE   18,048 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,245 33,116 SH   SOLE   33,115 0 0
FS KKR CAP CORP COM 302635206 441 26,009 SH   SOLE   26,009 0 0
HOME DEPOT INC COM 437076102 407 1,475 SH   SOLE   1,475 0 0
INDEXIQ ETF TR IQ CHAIKIN US 45409B396 2,412 83,479 SH   SOLE   83,479 0 0
INTEL CORP COM 458140100 317 12,303 SH   SOLE   12,302 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 3,572 39,534 SH   SOLE   39,534 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 471 3,967 SH   SOLE   3,967 0 0
INVENTRUST PPTYS CORP COM NEW 46124J201 293 13,757 SH   SOLE   13,757 0 0
ISHARES INC CORE MSCI EMKT 46434G103 553 12,871 SH   SOLE   12,871 0 0
ISHARES TR NATIONAL MUN ETF 464288414 3,768 36,729 SH   SOLE   36,729 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 539 3,271 SH   SOLE   3,271 0 0
ISHARES TR CORE S&P TTL STK 464287150 25,505 320,656 SH   SOLE   320,655 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,294 37,105 SH   SOLE   37,105 0 0
ISHARES TR IBOXX INV CP ETF 464287242 922 8,996 SH   SOLE   8,996 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 579 11,305 SH   SOLE   11,305 0 0
JOHNSON & JOHNSON COM 478160104 835 5,113 SH   SOLE   5,112 0 0
JPMORGAN CHASE & CO COM 46625H100 361 3,452 SH   SOLE   3,452 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 1,331 66,347 SH   SOLE   66,346 0 0
LOCKHEED MARTIN CORP COM 539830109 241 623 SH   SOLE   623 0 0
LOWES COS INC COM 548661107 408 2,171 SH   SOLE   2,171 0 0
M & T BK CORP COM 55261F104 3,202 18,158 SH   SOLE   18,158 0 0
MERCK & CO INC COM 58933Y105 1,648 19,136 SH   SOLE   19,135 0 0
MICROSOFT CORP COM 594918104 1,549 6,653 SH   SOLE   6,652 0 0
MONDELEZ INTL INC CL A 609207105 672 12,261 SH   SOLE   12,261 0 0
MORGAN STANLEY COM NEW 617446448 227 2,878 SH   SOLE   2,878 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 210 937 SH   SOLE   937 0 0
NETFLIX INC COM 64110L106 243 1,034 SH   SOLE   1,034 0 0
NEW JERSEY RES CORP COM 646025106 490 12,662 SH   SOLE   12,661 0 0
NUVEEN NEW JERSEY QULT MUN F COM 67069Y102 160 14,490 SH   SOLE   14,490 0 0
NVIDIA CORPORATION COM 67066G104 258 2,125 SH   SOLE   2,125 0 0
ORACLE CORP COM 68389X105 210 3,435 SH   SOLE   3,435 0 0
PEPSICO INC COM 713448108 730 4,474 SH   SOLE   4,473 0 0
PFIZER INC COM 717081103 298 6,806 SH   SOLE   6,805 0 0
PGIM ETF TR PGIM ULTRA SH BD 69344A107 1,982 40,385 SH   SOLE   40,385 0 0
PHILIP MORRIS INTL INC COM 718172109 1,526 18,385 SH   SOLE   18,385 0 0
PROCTER AND GAMBLE CO COM 742718109 1,191 9,432 SH   SOLE   9,432 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 305 5,421 SH   SOLE   5,421 0 0
PUTNAM MANAGED MUN INCOME TR COM 746823103 67 11,806 SH   SOLE   11,805 0 0
SCHWAB CHARLES FAMILY FD AMT TAX FREE MNY 808515530 2,529 2,528,761 SH   SOLE   2,528,761 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 906 32,221 SH   SOLE   32,221 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 209 4,986 SH   SOLE   4,986 0 0
SPDR SER TR DJ REIT ETF 78464A607 835 9,913 SH   SOLE   9,912 0 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 271 10,681 SH   SOLE   10,680 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 256 7,421 SH   SOLE   7,421 0 0
TESLA INC COM 88160R101 619 2,335 SH   SOLE   2,335 0 0
VALLEY NATL BANCORP COM 919794107 613 56,715 SH   SOLE   56,715 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,186 56,969 SH   SOLE   56,969 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 4,806 39,465 SH   SOLE   39,464 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,611 31,266 SH   SOLE   31,265 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 809 2,465 SH   SOLE   2,465 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 391 8,821 SH   SOLE   8,821 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 338 8,903 SH   SOLE   8,903 0 0
VISA INC COM CL A 92826C839 462 2,603 SH   SOLE   2,602 0 0
WISDOMTREE TR INTL EQUITY FD 97717W703 1,475 36,734 SH   SOLE   36,734 0 0