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
EDWARDS LIFESCIENCES CORP COM 28176E108 282 4,080 SH   DFND 1 4,080 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 244 4,129 SH   DFND 1 4,129 0 0
ISHARES TR MSCI AC ASIA ETF 464288182 336 4,861 SH   DFND 1 4,861 0 0
NETFLIX INC COM 64110L106 2,664 5,853 SH   DFND 1 5,853 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 279 1,346 SH   DFND 1 1,346 0 0
TJX COS INC NEW COM 872540109 5,596 110,679 SH   DFND 1 110,679 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,401 7,850 SH   DFND 1 7,850 0 0
FIRST TR MLP & ENERGY INCOME COM 33739B104 1,855 330,424 SH   DFND 1 330,424 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 524 2,596 SH   DFND 1 2,596 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,416 35,800 SH   DFND 1 35,800 0 0
SPDR SER TR PORTFOLIO S&P400 78464A847 124,671 3,989,502 SH   DFND 1 3,989,502 0 0
EVERSOURCE ENERGY COM 30040W108 3,844 46,160 SH   DFND 1 46,160 0 0
ABBVIE INC COM 00287Y109 811 8,277 SH   DFND 1 8,277 0 0
FACEBOOK INC CL A 30303M102 2,988 13,158 SH   DFND 1 13,158 0 0
ISHARES GOLD TRUST ISHARES 464285105 45,397 2,671,990 SH   DFND 1 2,671,990 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 17,223 95,646 SH   DFND 1 95,646 0 0
CSX CORP COM 126408103 224 3,211 SH   DFND 1 3,211 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 221 3,582 SH   DFND 1 3,582 0 0
ISHARES TR GRWT ALLOCAT ETF 464289867 275 5,939 SH   DFND 1 5,939 0 0
3M CO COM 88579Y101 654 4,189 SH   DFND 1 4,189 0 0
ABBOTT LABS COM 002824100 772 8,457 SH   DFND 1 8,457 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 1,459 22,931 SH   DFND 1 22,931 0 0
COCA COLA CO COM 191216100 263 5,831 SH   DFND 1 5,831 0 0
PFIZER INC COM 717081103 527 16,156 SH   DFND 1 16,156 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,044 3,535 SH   DFND 1 3,535 0 0
ATMOS ENERGY CORP COM 049560105 5,161 51,828 SH   DFND 1 51,828 0 0
ISHARES TR U.S. TECH ETF 464287721 316 1,170 SH   DFND 1 1,170 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,072 7,494 SH   DFND 1 7,494 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,801 15,979 SH   DFND 1 15,979 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 1,245 35,994 SH   DFND 1 35,994 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,890 27,662 SH   DFND 1 27,662 0 0
ISHARES TR MSCI LW CRB TG 46434V464 5,770 47,739 SH   DFND 1 47,739 0 0
AMERICAN TOWER CORP NEW COM 03027X100 407 1,570 SH   DFND 1 1,570 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 10,423 212,027 SH   DFND 1 212,027 0 0
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 49,543 2,484,486 SH   DFND 1 2,484,486 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 500 1,380 SH   DFND 1 1,380 0 0
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 4,700 660,120 SH   DFND 1 660,120 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 219 2,632 SH   DFND 1 2,632 0 0
ISHARES TR CORE S&P MCP ETF 464287507 75,172 422,771 SH   DFND 1 422,771 0 0
ISHARES INC CORE MSCI EMKT 46434G103 212 4,460 SH   DFND 1 4,460 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 3,743 14 SH   DFND 1 14 0 0
NEXTERA ENERGY INC COM 65339F101 11,279 46,960 SH   DFND 1 46,960 0 0
VISA INC COM CL A 92826C839 3,289 17,022 SH   DFND 1 17,022 0 0
UNION PAC CORP COM 907818108 666 3,939 SH   DFND 1 3,939 0 0
DOMINION ENERGY INC COM 25746U109 1,223 15,077 SH   DFND 1 15,077 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,816 77,583 SH   DFND 1 77,583 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 5,327 144,640 SH   DFND 1 144,640 0 0
LOWES COS INC COM 548661107 2,294 16,978 SH   DFND 1 16,978 0 0
GCP APPLIED TECHNOLOGIES INC COM 36164Y101 719 38,687 SH   DFND 1 38,687 0 0
ORACLE CORP COM 68389X105 6,309 114,168 SH   DFND 1 114,168 0 0
AT&T INC COM 00206R102 228 7,514 SH   DFND 1 7,514 0 0
ISHARES TR EAFE VALUE ETF 464288877 256 6,441 SH   DFND 1 6,441 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 3,378 62,128 SH   DFND 1 62,128 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 980 5,974 SH   DFND 1 5,974 0 0
ISHARES TR CORE S&P TTL STK 464287150 63,211 910,379 SH   DFND 1 910,379 0 0
AVALARA INC COM 05338G106 1,858 13,962 SH   DFND 1 13,962 0 0
ALICO INC COM 016230104 1,205 38,571 SH   DFND 1 38,571 0 0
SPDR SER TR S&P DIVID ETF 78464A763 5,734 62,867 SH   DFND 1 62,867 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 399 5,329 SH   DFND 1 5,329 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 871 4,039 SH   DFND 1 4,039 0 0
ISHARES TR ESG MSCI USA ETF 46435G425 12,728 181,838 SH   DFND 1 181,838 0 0
AMAZON COM INC COM 023135106 6,696 2,427 SH   DFND 1 2,427 0 0
MICROSOFT CORP COM 594918104 7,895 38,774 SH   DFND 1 38,774 0 0
ONE GAS INC COM 68235P108 2,652 34,423 SH   DFND 1 34,423 0 0
ALTRIA GROUP INC COM 02209S103 413 10,285 SH   DFND 1 10,285 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 666 8,983 SH   DFND 1 8,983 0 0
IDACORP INC COM 451107106 6,543 74,885 SH   DFND 1 74,885 0 0
JPMORGAN CHASE & CO COM 46625H100 2,531 26,929 SH   DFND 1 26,929 0 0
JD.COM INC SPON ADR CL A 47215P106 427 7,079 SH   DFND 1 7,079 0 0
WILLIAMS COS INC COM 969457100 1,333 70,061 SH   DFND 1 70,061 0 0
REGENERON PHARMACEUTICALS COM 75886F107 254 408 SH   DFND 1 408 0 0
HONEYWELL INTL INC COM 438516106 368 2,546 SH   DFND 1 2,546 0 0
SALESFORCE COM INC COM 79466L302 1,013 5,411 SH   DFND 1 5,411 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 12,707 294,362 SH   DFND 1 294,362 0 0
ATRICURE INC COM 04963C209 326 7,263 SH   DFND 1 7,263 0 0
ISHARES TR MSCI EAFE ETF 464287465 764 12,533 SH   DFND 1 12,533 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 411 3,485 SH   DFND 1 3,485 0 0
ISHARES TR INTL SEL DIV ETF 464288448 374 14,904 SH   DFND 1 14,904 0 0
SEMPRA ENERGY COM 816851109 10,051 85,050 SH   DFND 1 85,050 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 1,185 20,220 SH   DFND 1 20,220 0 0
LENDINGCLUB CORP COM NEW 52603A208 882 193,750 SH   DFND 1 193,750 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 63,877 408,078 SH   DFND 1 408,078 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 211 1,275 SH   DFND 1 1,275 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 414 1,455 SH   DFND 1 1,455 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 618 4,600 SH   DFND 1 4,600 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 1,169 4,707 SH   DFND 1 4,707 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 15,331 298,949 SH   DFND 1 298,949 0 0
DISNEY WALT CO COM DISNEY 254687106 1,543 13,831 SH   DFND 1 13,831 0 0
ONEOK INC NEW COM 682680103 4,893 147,314 SH   DFND 1 147,314 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 35,584 453,220 SH   DFND 1 453,220 0 0
ENBRIDGE INC COM 29250N105 2,497 82,105 SH   DFND 1 82,105 0 0
GABELLI EQUITY TR INC COM 362397101 891 177,192 SH   DFND 1 177,192 0 0
CMS ENERGY CORP COM 125896100 1,971 33,734 SH   DFND 1 33,734 0 0
WAITR HLDGS INC COM 930752100 76 28,969 SH   DFND 1 28,969 0 0
MERCK & CO. INC COM 58933Y105 459 5,893 SH   DFND 1 5,893 0 0
PRICE T ROWE GROUP INC COM 74144T108 247 2,004 SH   DFND 1 2,004 0 0
ATLANTIC UN BANKSHARES CORP COM 04911A107 207 8,951 SH   DFND 1 8,951 0 0
SHELL MIDSTREAM PARTNERS L P UNIT LTD INT 822634101 4,848 395,130 SH   DFND 1 395,130 0 0
PROLOGIS INC. COM 74340W103 29,732 318,550 SH   DFND 1 318,550 0 0
PEMBINA PIPELINE CORP COM 706327103 208 8,282 SH   DFND 1 8,282 0 0
STARBUCKS CORP COM 855244109 782 10,622 SH   DFND 1 10,622 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,051 13,346 SH   DFND 1 13,346 0 0
KINDER MORGAN INC DEL COM 49456B101 2,580 170,001 SH   DFND 1 170,001 0 0
TC ENERGY CORP COM 87807B107 23,822 555,805 SH   DFND 1 555,805 0 0
AZURRX BIOPHARMA INC COM 05502L105 57 63,460 SH   DFND 1 63,460 0 0
FIRSTENERGY CORP COM 337932107 3,801 98,026 SH   DFND 1 98,026 0 0
AMGEN INC COM 031162100 2,052 8,698 SH   DFND 1 8,698 0 0
PAYPAL HLDGS INC COM 70450Y103 279 1,603 SH   DFND 1 1,603 0 0
DTE ENERGY CO COM 233331107 5,288 48,577 SH   DFND 1 48,577 0 0
ISHARES TR RUS MID CAP ETF 464287499 1,399 26,092 SH   DFND 1 26,092 0 0
ALLIANT ENERGY CORP COM 018802108 7,726 161,510 SH   DFND 1 161,510 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 3,280 15,799 SH   DFND 1 15,799 0 0
APPLE INC COM 037833100 11,265 30,875 SH   DFND 1 30,875 0 0
COGENT COMMUNICATIONS HLDGS COM NEW 19239V302 642 8,298 SH   DFND 1 8,298 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,023 6,473 SH   DFND 1 6,473 0 0
CHENIERE ENERGY PARTNERS LP COM UNIT 16411Q101 1,406 40,200 SH   DFND 1 40,200 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 451 9,384 SH   DFND 1 9,384 0 0
HOLLY ENERGY PARTNERS L P COM UT LTD PTN 435763107 6,819 467,432 SH   DFND 1 467,432 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 2,275 17,683 SH   DFND 1 17,683 0 0
VANGUARD TAX-MANAGED FDS FTSE DEV MKT ETF 921943858 510 13,161 SH   DFND 1 13,161 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 358 6,572 SH   DFND 1 6,572 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 300 1,181 SH   DFND 1 1,181 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 210 1,700 SH   DFND 1 1,700 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 759 5,071 SH   DFND 1 5,071 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 480 4,432 SH   DFND 1 4,432 0 0
DUPONT DE NEMOURS INC COM 26614N102 289 5,447 SH   DFND 1 5,447 0 0
WEC ENERGY GROUP INC COM 92939U106 2,556 29,172 SH   DFND 1 29,172 0 0
TRANSDIGM GROUP INC COM 893641100 289 654 SH   DFND 1 654 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 12,504 688,127 SH   DFND 1 688,127 0 0
PEPSICO INC COM 713448108 554 4,191 SH   DFND 1 4,191 0 0
SPRING BK PHARMACEUTICALS IN COM 849431101 533 363,114 SH   DFND 1 363,114 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 808 9,135 SH   DFND 1 9,135 0 0
INTEL CORP COM 458140100 1,321 22,077 SH   DFND 1 22,077 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,782 6,026 SH   DFND 1 6,026 0 0
ISHARES INC MSCI WORLD ETF 464286392 290 3,147 SH   DFND 1 3,147 0 0
SOUTHERN CO COM 842587107 1,238 23,882 SH   DFND 1 23,882 0 0
ISHARES INC ESG MSCI EM ETF 46434G863 2,614 81,506 SH   DFND 1 81,506 0 0
CONOCOPHILLIPS COM 20825C104 603 14,334 SH   DFND 1 14,334 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 19,431 352,426 SH   DFND 1 352,426 0 0
TC PIPELINES LP UT COM LTD PRT 87233Q108 21,273 684,918 SH   DFND 1 684,918 0 0
FORTIS INC COM 349553107 5,188 136,245 SH   DFND 1 136,245 0 0
SPDR GOLD TR GOLD SHS 78463V107 5,646 33,738 SH   DFND 1 33,738 0 0
NIKE INC CL B 654106103 276 2,796 SH   DFND 1 2,796 0 0
ISHARES TR S&P MC 400VL ETF 464287705 493 3,710 SH   DFND 1 3,710 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,500 62,949 SH   DFND 1 62,949 0 0
HOME DEPOT INC COM 437076102 328 1,304 SH   DFND 1 1,304 0 0
ISHARES TR CORE S&P500 ETF 464287200 3,840 12,393 SH   DFND 1 12,393 0 0
MONDELEZ INTL INC CL A 609207105 335 6,516 SH   DFND 1 6,516 0 0
DOW INC COM 260557103 221 5,428 SH   DFND 1 5,428 0 0
CHESAPEAKE UTILS CORP COM 165303108 2,318 27,550 SH   DFND 1 27,550 0 0
ISHARES TR CORE MSCI PAC 46434V696 363 6,890 SH   DFND 1 6,890 0 0
JOHNSON & JOHNSON COM 478160104 3,985 28,329 SH   DFND 1 28,329 0 0
RALPH LAUREN CORP CL A 751212101 418 5,766 SH   DFND 1 5,766 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,869 20,151 SH   DFND 1 20,151 0 0
EQUITRANS MIDSTREAM CORP COM 294600101 203 24,471 SH   DFND 1 24,471 0 0
BP MIDSTREAM PARTNERS LP UNIT LTD PTNR 0556EL109 388 33,820 SH   DFND 1 33,820 0 0
CHEVRON CORP NEW COM 166764100 666 7,453 SH   DFND 1 7,453 0 0
ISHARES TR NEW ZEALAND ETF 464289123 872 15,385 SH   DFND 1 15,385 0 0
QUALCOMM INC COM 747525103 1,378 15,124 SH   DFND 1 15,124 0 0
ISHARES TR IBOXX INV CP ETF 464287242 8,985 66,800 SH   DFND 1 66,800 0 0
HERITAGE COMMERCE CORP COM 426927109 4,591 611,762 SH   DFND 1 611,762 0 0
EXELON CORP COM 30161N101 2,388 65,800 SH   DFND 1 65,800 0 0
AMERICAN ELEC PWR CO INC COM 025537101 3,868 48,565 SH   DFND 1 48,565 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 310 35,170 SH   DFND 1 35,170 0 0
CONSOLIDATED EDISON INC COM 209115104 672 9,340 SH   DFND 1 9,340 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 592 5,952 SH   DFND 1 5,952 0 0
ISHARES TR MSCI ACWI ETF 464288257 5,211 70,679 SH   DFND 1 70,679 0 0
BLACKROCK INC COM 09247X101 373 685 SH   DFND 1 685 0 0
TESLA INC COM 88160R101 2,831 2,621 SH   DFND 1 2,621 0 0
PHILLIPS 66 COM 718546104 553 7,667 SH   DFND 1 7,667 0 0
ADOBE INC COM 00724F101 1,109 2,545 SH   DFND 1 2,545 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,388 17,367 SH   DFND 1 17,367 0 0
QUANTA SVCS INC COM 74762E102 5,459 138,986 SH   DFND 1 138,986 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,687 23,288 SH   DFND 1 23,288 0 0
WESTLAKE CHEM PARTNERS LP COM UNIT RP LP 960417103 5,033 265,708 SH   DFND 1 265,708 0 0
EXXON MOBIL CORP COM 30231G102 14,718 329,126 SH   DFND 1 329,126 0 0
CUMMINS INC COM 231021106 283 1,628 SH   DFND 1 1,628 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 13,670 350,843 SH   DFND 1 350,843 0 0
ISHARES TR ESG MSCI EAFE 46435G516 7,281 120,194 SH   DFND 1 120,194 0 0
ISHARES TR RUS 1000 ETF 464287622 3,918 22,824 SH   DFND 1 22,824 0 0
ALPHABET INC CAP STK CL C 02079K107 7,396 5,231 SH   DFND 1 5,231 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,475 120,171 SH   DFND 1 120,171 0 0
STARWOOD PPTY TR INC COM 85571B105 4,653 301,335 SH   DFND 1 301,335 0 0
ISHARES TR S&P MC 400GR ETF 464287606 7,497 33,466 SH   DFND 1 33,466 0 0
PHILIP MORRIS INTL INC COM 718172109 915 12,857 SH   DFND 1 12,857 0 0
MCDONALDS CORP COM 580135101 669 3,630 SH   DFND 1 3,630 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 693 1,215 SH   DFND 1 1,215 0 0
PHILLIPS 66 PARTNERS LP COM UNIT REP INT 718549207 7,311 202,869 SH   DFND 1 202,869 0 0
ISHARES TR MODERT ALLOC ETF 464289875 51,742 1,297,421 SH   DFND 1 1,297,421 0 0
GENERAL ELECTRIC CO COM 369604103 103 15,399 SH   DFND 1 15,399 0 0
NEW JERSEY RES COM 646025106 3,947 119,735 SH   DFND 1 119,735 0 0
SCHWAB CHARLES CORP COM 808513105 215 6,356 SH   DFND 1 6,356 0 0
ALPHABET INC CAP STK CL A 02079K305 3,136 2,211 SH   DFND 1 2,211 0 0
SEI INVTS CO COM 784117103 1,029 18,725 SH   DFND 1 18,725 0 0
COSTCO WHSL CORP NEW COM 22160K105 387 1,278 SH   DFND 1 1,278 0 0
XCEL ENERGY INC COM 98389B100 3,805 60,509 SH   DFND 1 60,509 0 0
PENUMBRA INC COM 70975L107 3,935 22,007 SH   DFND 1 22,007 0 0
CANTEL MED CORP COM 138098108 3,751 84,802 SH   DFND 1 84,802 0 0
GRACE W R & CO DEL NEW COM 38388F108 1,385 27,251 SH   DFND 1 27,251 0 0
RELMADA THERAPEUTICS INC COM 75955J402 12,646 282,592 SH   DFND 1 282,592 0 0
ISHARES TR S&P 100 ETF 464287101 289 2,030 SH   DFND 1 2,030 0 0
ALLSTATE CORP COM 020002101 305 3,136 SH   DFND 1 3,136 0 0
PPL CORP COM 69351T106 5,189 198,678 SH   DFND 1 198,678 0 0
NOVO-NORDISK A S ADR 670100205 327 5,000 SH   DFND 1 5,000 0 0