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
APPLE INC COM 037833100 22,787 186,547 SH   SOLE   183,218 0 3,329
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 21,020 346,404 SH   SOLE   339,821 0 6,583
ISHARES TR RUSSELL 2000 ETF 464287655 17,975 81,356 SH   SOLE   79,565 0 1,791
VANGUARD INDEX FDS SML CP GRW ETF 922908595 16,426 59,806 SH   SOLE   26,967 0 32,839
ISHARES TR CORE S&P500 ETF 464287200 15,401 38,714 SH   SOLE   38,086 0 628
MICROSOFT CORP COM 594918104 14,914 63,256 SH   SOLE   62,118 0 1,138
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 14,628 172,668 SH   SOLE   1,152 0 171,516
SPDR SER TR BLMBRG BRC CNVRT 78464A359 14,533 174,365 SH   SOLE   171,693 0 2,672
ISHARES TR RUS MID CAP ETF 464287499 13,857 187,431 SH   SOLE   183,716 0 3,715
ISHARES TR MSCI EMG MKT ETF 464287234 13,334 249,988 SH   SOLE   245,433 0 4,555
AMAZON COM INC COM 023135106 10,418 3,367 SH   SOLE   3,289 0 78
ISHARES TR 0-5YR INVT GR CP 46434V100 10,192 196,837 SH   SOLE   196,500 0 337
VISA INC COM CL A 92826C839 9,556 45,132 SH   SOLE   44,536 0 596
ALPHABET INC CAP STK CL A 02079K305 8,753 4,244 SH   SOLE   4,100 0 144
DISNEY WALT CO COM 254687106 8,531 46,235 SH   SOLE   44,985 0 1,250
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,115 155,903 SH   SOLE   23,115 0 132,788
JPMORGAN CHASE & CO COM 46625H100 8,097 53,190 SH   SOLE   52,061 0 1,129
STRYKER CORPORATION COM 863667101 7,916 32,499 SH   SOLE   31,500 0 999
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 7,441 26,936 SH   SOLE   26,658 0 278
MASTERCARD INCORPORATED CL A 57636Q104 6,876 19,312 SH   SOLE   18,885 0 427
ANTHEM INC COM 036752103 6,785 18,902 SH   SOLE   18,377 0 525
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 6,093 34,443 SH   SOLE   33,725 0 718
AIR PRODS & CHEMS INC COM 009158106 6,057 21,530 SH   SOLE   21,169 0 361
BK OF AMERICA CORP COM 060505104 5,317 137,429 SH   SOLE   132,932 0 4,497
PEPSICO INC COM 713448108 5,207 36,812 SH   SOLE   35,926 0 886
TE CONNECTIVITY LTD REG SHS H84989104 4,942 38,277 SH   SOLE   37,812 0 465
LOWES COS INC COM 548661107 4,860 25,557 SH   SOLE   25,128 0 429
AMGEN INC COM 031162100 4,606 18,514 SH   SOLE   18,217 0 297
TRANE TECHNOLOGIES PLC SHS G8994E103 4,577 27,649 SH   SOLE   27,039 0 610
ISHARES TR MSCI EAFE ETF 464287465 4,525 59,640 SH   SOLE   58,518 0 1,122
ISHARES TR CORE S&P MCP ETF 464287507 4,520 17,365 SH   SOLE   17,026 0 339
PNC FINL SVCS GROUP INC COM 693475105 4,424 25,219 SH   SOLE   25,219 0 0
ISHARES TR S&P MC 400VL ETF 464287705 4,073 39,958 SH   SOLE   38,818 0 1,140
TRUIST FINL CORP COM 89832Q109 4,053 69,495 SH   SOLE   66,457 0 3,038
EATON CORP PLC SHS G29183103 4,049 29,281 SH   SOLE   27,936 0 1,345
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,045 49,034 SH   SOLE   4,490 0 44,544
ARROW ELECTRS INC COM 042735100 4,026 36,331 SH   SOLE   34,482 0 1,849
HUNTSMAN CORP COM 447011107 3,894 135,066 SH   SOLE   130,398 0 4,668
ALPHABET INC CAP STK CL C 02079K107 3,695 1,786 SH   SOLE   1,723 0 63
THERMO FISHER SCIENTIFIC INC COM 883556102 3,548 7,775 SH   SOLE   7,646 0 129
CARLISLE COS INC COM 142339100 3,477 21,126 SH   SOLE   20,642 0 484
PROLOGIS INC. COM 74340W103 3,456 32,607 SH   SOLE   32,145 0 462
DANAHER CORPORATION COM 235851102 3,433 15,254 SH   SOLE   14,204 0 1,050
US BANCORP DEL COM NEW 902973304 3,417 61,776 SH   SOLE   59,897 0 1,879
VERIZON COMMUNICATIONS INC COM 92343V104 3,412 58,674 SH   SOLE   58,334 0 340
CHEVRON CORP NEW COM 166764100 3,272 31,222 SH   SOLE   30,427 0 795
FIFTH THIRD BANCORP COM 316773100 3,261 87,078 SH   SOLE   84,334 0 2,744
D R HORTON INC COM 23331A109 3,229 36,230 SH   SOLE   35,388 0 842
HOME DEPOT INC COM 437076102 3,173 10,394 SH   SOLE   10,394 0 0
HONEYWELL INTL INC COM 438516106 3,145 14,489 SH   SOLE   14,349 0 140
ORACLE CORP COM 68389X105 3,130 44,603 SH   SOLE   42,903 0 1,700
INVESCO QQQ TR UNIT SER 1 46090E103 3,118 9,770 SH   SOLE   9,620 0 150
FACEBOOK INC CL A 30303M102 3,101 10,530 SH   SOLE   10,465 0 65
PULTE GROUP INC COM 745867101 3,060 58,347 SH   SOLE   57,147 0 1,200
LINDE PLC SHS G5494J103 3,023 10,791 SH   SOLE   10,571 0 220
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,989 40,157 SH   SOLE   38,921 0 1,236
CAPITAL ONE FINL CORP COM 14040H105 2,978 23,405 SH   SOLE   22,758 0 647
JOHNSON & JOHNSON COM 478160104 2,959 18,006 SH   SOLE   18,006 0 0
CONSTELLATION BRANDS INC CL A 21036P108 2,913 12,774 SH   SOLE   12,500 0 274
ZIMMER BIOMET HOLDINGS INC COM 98956P102 2,808 17,538 SH   SOLE   17,371 0 167
UNILEVER PLC SPON ADR NEW 904767704 2,548 45,642 SH   SOLE   44,701 0 941
AMERISOURCEBERGEN CORP COM 03073E105 2,517 21,314 SH   SOLE   21,114 0 200
CVS HEALTH CORP COM 126650100 2,457 32,665 SH   SOLE   31,690 0 975
ALLEGION PLC ORD SHS G0176J109 2,427 19,323 SH   SOLE   18,542 0 781
NIKE INC CL B 654106103 2,301 17,315 SH   SOLE   16,962 0 353
ROYAL BK CDA COM 780087102 2,177 23,613 SH   SOLE   23,613 0 0
ABBVIE INC COM 00287Y109 2,143 19,800 SH   SOLE   19,675 0 125
CHUBB LIMITED COM H1467J104 2,131 13,487 SH   SOLE   12,891 0 596
AMERICAN ELEC PWR CO INC COM 025537101 2,036 24,037 SH   SOLE   23,482 0 555
KEARNY FINL CORP MD COM 48716P108 2,017 166,946 SH   SOLE   45,343 0 121,603
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,988 5,458 SH   SOLE   4,064 0 1,394
ISHARES TR EAFE SML CP ETF 464288273 1,912 26,620 SH   SOLE   26,620 0 0
PARKER-HANNIFIN CORP COM 701094104 1,896 6,011 SH   SOLE   5,811 0 200
ISHARES INC CORE MSCI EMKT 46434G103 1,895 29,439 SH   SOLE   29,439 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,869 17,219 SH   SOLE   16,072 0 1,147
PHILLIPS 66 COM 718546104 1,809 22,188 SH   SOLE   21,857 0 331
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,740 22,517 SH   SOLE   22,517 0 0
CONOCOPHILLIPS COM 20825C104 1,732 32,694 SH   SOLE   32,376 0 318
PPL CORP COM 69351T106 1,725 59,804 SH   SOLE   58,458 0 1,346
QUALCOMM INC COM 747525103 1,702 12,836 SH   SOLE   12,589 0 247
AT&T INC COM 00206R102 1,696 56,020 SH   SOLE   53,819 0 2,201
MARSH & MCLENNAN COS INC COM 571748102 1,681 13,802 SH   SOLE   13,646 0 156
UNITEDHEALTH GROUP INC COM 91324P102 1,669 4,486 SH   SOLE   4,486 0 0
INTEL CORP COM 458140100 1,657 25,885 SH   SOLE   25,885 0 0
S&P GLOBAL INC COM 78409V104 1,640 4,647 SH   SOLE   4,647 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,600 14,019 SH   SOLE   14,019 0 0
DOMINION ENERGY INC COM 25746U109 1,592 20,957 SH   SOLE   20,657 0 300
PRICE T ROWE GROUP INC COM 74144T108 1,554 9,059 SH   SOLE   9,059 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,451 3,662 SH   SOLE   3,659 0 3
COLGATE PALMOLIVE CO COM 194162103 1,411 17,903 SH   SOLE   17,903 0 0
ISHARES TR RUS 1000 ETF 464287622 1,374 6,140 SH   SOLE   6,140 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 1,367 41,251 SH   SOLE   40,537 0 714
DEERE & CO COM 244199105 1,301 3,476 SH   SOLE   3,301 0 175
TOYOTA MOTOR CORP SP ADR REP2COM 892331307 1,299 8,325 SH   SOLE   8,225 0 100
ISHARES TR S&P MC 400GR ETF 464287606 1,297 16,548 SH   SOLE   16,548 0 0
NORFOLK SOUTHN CORP COM 655844108 1,258 4,684 SH   SOLE   4,684 0 0
NVIDIA CORPORATION COM 67066G104 1,220 2,285 SH   SOLE   2,220 0 65
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,218 24,806 SH   SOLE   24,806 0 0
CATERPILLAR INC COM 149123101 1,144 4,933 SH   SOLE   4,933 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,129 5,099 SH   SOLE   5,049 0 50
PROCTER AND GAMBLE CO COM 742718109 1,107 8,172 SH   SOLE   8,172 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,063 5,641 SH   SOLE   5,641 0 0
CISCO SYS INC COM 17275R102 1,063 20,548 SH   SOLE   20,548 0 0
CITIGROUP INC COM NEW 172967424 1,059 14,557 SH   SOLE   14,457 0 100
TARGET CORP COM 87612E106 1,040 5,251 SH   SOLE   4,951 0 300
AMERICAN TOWER CORP NEW COM 03027X100 1,004 4,198 SH   SOLE   4,177 0 21
MCDONALDS CORP COM 580135101 1,002 4,470 SH   SOLE   4,470 0 0
NEXTERA ENERGY INC COM 65339F101 977 12,916 SH   SOLE   12,916 0 0
DIGITAL RLTY TR INC COM 253868103 968 6,874 SH   SOLE   6,846 0 28
MASCO CORP COM 574599106 967 16,142 SH   SOLE   15,542 0 600
TJX COS INC NEW COM 872540109 952 14,395 SH   SOLE   14,395 0 0
UNION PAC CORP COM 907818108 923 4,186 SH   SOLE   4,186 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 897 3,512 SH   SOLE   3,512 0 0
EXXON MOBIL CORP COM 30231G102 862 15,448 SH   SOLE   15,448 0 0
VARIAN MED SYS INC COM 92220P105 857 4,856 SH   SOLE   4,856 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 852 21,587 SH   SOLE   21,333 0 254
FEDEX CORP COM 31428X106 831 2,927 SH   SOLE   2,927 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 827 2,308 SH   SOLE   2,308 0 0
AVERY DENNISON CORP COM 053611109 818 4,456 SH   SOLE   4,456 0 0
PPG INDS INC COM 693506107 817 5,434 SH   SOLE   5,354 0 80
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 799 6,014 SH   SOLE   6,014 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 770 3,598 SH   SOLE   3,144 0 454
BRISTOL-MYERS SQUIBB CO COM 110122108 761 12,056 SH   SOLE   12,056 0 0
INGERSOLL RAND INC COM 45687V106 744 15,115 SH   SOLE   14,631 0 484
SELECT SECTOR SPDR TR ENERGY 81369Y506 727 14,827 SH   SOLE   14,427 0 400
PFIZER INC COM 717081103 702 19,367 SH   SOLE   19,367 0 0
COCA COLA CO COM 191216100 687 13,039 SH   SOLE   12,539 0 500
LAM RESEARCH CORP COM 512807108 684 1,149 SH   SOLE   1,149 0 0
MERCK & CO. INC COM 58933Y105 666 8,636 SH   SOLE   8,636 0 0
WASTE MGMT INC DEL COM 94106L109 665 5,151 SH   SOLE   5,046 0 105
3M CO COM 88579Y101 658 3,416 SH   SOLE   3,416 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 649 15,379 SH   SOLE   15,379 0 0
KIMBERLY-CLARK CORP COM 494368103 617 4,439 SH   SOLE   4,439 0 0
M & T BK CORP COM 55261F104 617 4,070 SH   SOLE   4,070 0 0
LOCKHEED MARTIN CORP COM 539830109 610 1,651 SH   SOLE   1,651 0 0
ISHARES TR NATIONAL MUN ETF 464288414 596 5,140 SH   SOLE   5,140 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 592 6,169 SH   SOLE   6,169 0 0
DISCOVER FINL SVCS COM 254709108 584 6,144 SH   SOLE   6,144 0 0
ISHARES TR CORE US AGGBD ET 464287226 582 5,116 SH   SOLE   4,566 0 550
COMCAST CORP NEW CL A 20030N101 566 10,466 SH   SOLE   10,466 0 0
QUEST DIAGNOSTICS INC COM 74834L100 562 4,379 SH   SOLE   4,379 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 554 5,956 SH   SOLE   5,750 0 206
LABORATORY CORP AMER HLDGS COM NEW 50540R409 553 2,170 SH   SOLE   2,170 0 0
V F CORP COM 918204108 545 6,825 SH   SOLE   6,825 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 531 3,162 SH   SOLE   3,162 0 0
TOLL BROTHERS INC COM 889478103 524 9,230 SH   SOLE   8,930 0 300
CUMMINS INC COM 231021106 513 1,979 SH   SOLE   1,859 0 120
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 513 15,077 SH   SOLE   15,077 0 0
OTIS WORLDWIDE CORP COM 68902V107 481 7,022 SH   SOLE   7,022 0 0
SPDR SER TR S&P DIVID ETF 78464A763 476 4,032 SH   SOLE   4,032 0 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 471 4,939 SH   SOLE   4,939 0 0
HERSHA HOSPITALITY TR PR SHS BEN INT 427825500 469 44,453 SH   SOLE   762 0 43,691
VANGUARD WORLD FD MEGA CAP INDEX 921910873 457 3,257 SH   SOLE   3,257 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 444 4,388 SH   SOLE   4,388 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 442 929 SH   SOLE   929 0 0
NETFLIX INC COM 64110L106 437 838 SH   SOLE   838 0 0
TEXAS INSTRS INC COM 882508104 429 2,267 SH   SOLE   2,267 0 0
WORLD FUEL SVCS CORP COM 981475106 427 4,140 SH   SOLE   4,140 0 0
MOOG INC CL A 615394202 421 5,065 SH   SOLE   5,065 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 419 5,741 SH   SOLE   5,741 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 397 7,352 SH   SOLE   7,352 0 0
NORTHROP GRUMMAN CORP COM 666807102 393 1,213 SH   SOLE   1,213 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 391 4,045 SH   SOLE   4,045 0 0
RESMED INC COM 761152107 390 2,008 SH   SOLE   2,008 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 390 10,371 SH   SOLE   10,371 0 0
STARBUCKS CORP COM 855244109 390 3,571 SH   SOLE   3,271 0 300
MCCORMICK & CO INC COM NON VTG 579780206 388 4,352 SH   SOLE   4,352 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 385 1,685 SH   SOLE   1,685 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 357 3,694 SH   SOLE   3,534 0 160
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 348 3,534 SH   SOLE   3,534 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 346 3,271 SH   SOLE   3,271 0 0
WELLS FARGO CO NEW COM 949746101 344 8,808 SH   SOLE   8,808 0 0
ISHARES TR CORE MSCI EAFE 46432F842 337 4,681 SH   SOLE   4,681 0 0
TRAVELERS COMPANIES INC COM 89417E109 330 2,191 SH   SOLE   2,191 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 328 1,278 SH   SOLE   1,278 0 0
DOLLAR GEN CORP NEW COM 256677105 319 1,572 SH   SOLE   1,572 0 0
PHILIP MORRIS INTL INC COM 718172109 316 3,561 SH   SOLE   3,561 0 0
T-MOBILE US INC COM 872590104 314 2,507 SH   SOLE   2,507 0 0
MCKESSON CORP COM 58155Q103 313 1,607 SH   SOLE   1,407 0 200
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 313 9,846 SH   SOLE   9,246 0 600
COSTCO WHSL CORP NEW COM 22160K105 309 877 SH   SOLE   877 0 0
GENERAL DYNAMICS CORP COM 369550108 300 1,654 SH   SOLE   1,654 0 0
CHARLES RIV LABS INTL INC COM 159864107 299 1,032 SH   SOLE   1,032 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 294 4,502 SH   SOLE   4,502 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 291 1,315 SH   SOLE   1,315 0 0
GLOBE LIFE INC COM 37959E102 284 2,934 SH   SOLE   2,934 0 0
NUCOR CORP COM 670346105 283 3,524 SH   SOLE   3,524 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 277 5,042 SH   SOLE   5,042 0 0
PAYPAL HLDGS INC COM 70450Y103 271 1,114 SH   SOLE   1,114 0 0
BECTON DICKINSON & CO COM 075887109 269 1,108 SH   SOLE   1,108 0 0
MEDTRONIC PLC SHS G5960L103 262 2,219 SH   SOLE   2,219 0 0
WALMART INC COM 931142103 259 1,904 SH   SOLE   1,904 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 258 2,588 SH   SOLE   2,588 0 0
EBAY INC. COM 278642103 254 4,144 SH   SOLE   4,144 0 0
INVESCO EXCH TRADED FD TR II KBW REGL BKG 46138E578 246 4,030 SH   SOLE   3,780 0 250
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 244 502 SH   SOLE   502 0 0
BOEING CO COM 097023105 240 941 SH   SOLE   941 0 0
EMERSON ELEC CO COM 291011104 233 2,586 SH   SOLE   2,586 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 230 4,707 SH   SOLE   4,707 0 0
RPM INTL INC COM 749685103 221 2,405 SH   SOLE   2,405 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 216 1,409 SH   SOLE   1,409 0 0
BROWN & BROWN INC COM 115236101 216 4,727 SH   SOLE   4,727 0 0
NOVARTIS AG SPONSORED ADR 66987V109 216 2,525 SH   SOLE   2,525 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 214 3,633 SH   SOLE   3,633 0 0
HP INC COM 40434L105 207 6,516 SH   SOLE   5,716 0 800
GALLAGHER ARTHUR J & CO COM 363576109 203 1,628 SH   SOLE   1,628 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 200 3,324 SH   SOLE   3,324 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 165 10,504 SH   SOLE   9,704 0 800
GERON CORP COM 374163103 16 10,000 SH   SOLE   0 0 10,000