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
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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
3M CO COM 88579Y101 217 1,244 SH   SOLE   1,244 0 0
ABBVIE INC COM 00287Y109 438 4,090 SH   SOLE   4,090 0 0
ALTRIA GROUP INC COM 02209S103 2,553 62,262 SH   SOLE   60,186 0 2,076
AMERICAN ELEC PWR CO INC COM 025537101 351 4,210 SH   SOLE   4,210 0 0
ANTHEM INC COM 036752103 744 2,318 SH   SOLE   2,318 0 0
APPLE INC COM 037833100 3,428 25,832 SH   SOLE   25,832 0 0
AT&T INC COM 00206R102 350 12,162 SH   SOLE   12,162 0 0
BALL CORP COM 058498106 556 5,971 SH   SOLE   5,971 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 540 2,329 SH   SOLE   2,329 0 0
BK OF AMERICA CORP COM 060505104 282 9,295 SH   SOLE   9,295 0 0
BRANDYWINE RLTY TR SH BEN INT NEW 105368203 917 77,005 SH   SOLE   77,005 0 0
CAPITAL ONE FINL CORP COM 14040H105 271 2,745 SH   SOLE   2,402 0 343
CARMAX INC COM 143130102 3,901 41,295 SH   SOLE   41,295 0 0
COCA COLA CO COM 191216100 415 7,568 SH   SOLE   7,568 0 0
COMCAST CORP NEW CL A 20030N101 325 6,201 SH   SOLE   6,201 0 0
COSTCO WHSL CORP NEW COM 22160K105 240 637 SH   SOLE   637 0 0
CSX CORP COM 126408103 1,097 12,085 SH   SOLE   12,085 0 0
DISNEY WALT CO COM 254687106 216 1,194 SH   SOLE   1,194 0 0
DOMINION ENERGY INC COM 25746U109 1,751 23,279 SH   SOLE   23,279 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 301 3,288 SH   SOLE   3,288 0 0
EXXON MOBIL CORP COM 30231G102 362 8,790 SH   SOLE   8,790 0 0
GENERAL ELECTRIC CO COM 369604103 170 15,780 SH   SOLE   14,566 0 1,214
GRAINGER W W INC COM 384802104 239 585 SH   SOLE   585 0 0
HCA HEALTHCARE INC COM 40412C101 1,357 8,253 SH   SOLE   8,253 0 0
HOME DEPOT INC COM 437076102 1,087 4,092 SH   SOLE   4,092 0 0
HONEYWELL INTL INC COM 438516106 353 1,658 SH   SOLE   1,658 0 0
INTEL CORP COM 458140100 264 5,304 SH   SOLE   5,304 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 305 2,426 SH   SOLE   2,426 0 0
ISHARES TR SELECT DIVID ETF 464287168 20,686 215,077 SH   SOLE   213,188 0 1,889
ISHARES TR RUS 2000 VAL ETF 464287630 606 4,603 SH   SOLE   4,603 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 52,164 776,367 SH   SOLE   766,759 0 9,608
ISHARES TR GRWT ALLOCAT ETF 464289867 1,736 33,265 SH   SOLE   33,265 0 0
ISHARES TR CONSER ALLOC ETF 464289883 404 10,421 SH   SOLE   9,987 0 434
ISHARES TR RUS 1000 VAL ETF 464287598 1,533 11,214 SH   SOLE   11,214 0 0
ISHARES TR AGGRES ALLOC ETF 464289859 1,335 20,804 SH   SOLE   20,804 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,294 5,366 SH   SOLE   5,366 0 0
ISHARES TR CORE S&P MCP ETF 464287507 5,061 22,020 SH   SOLE   21,353 0 667
ISHARES TR MODERT ALLOC ETF 464289875 1,195 27,670 SH   SOLE   27,269 0 401
ISHARES TR CORE S&P500 ETF 464287200 27,476 73,193 SH   SOLE   70,931 0 2,262
ISHARES TR SHORT TREAS BD 464288679 210 1,898 SH   SOLE   1,898 0 0
JOHNSON & JOHNSON COM 478160104 775 4,922 SH   SOLE   4,922 0 0
JPMORGAN CHASE & CO COM 46625H100 349 2,743 SH   SOLE   2,743 0 0
LAKELAND BANCORP INC COM 511637100 136 10,683 SH   SOLE   10,683 0 0
LOWES COS INC COM 548661107 1,171 7,298 SH   SOLE   7,298 0 0
MAXIMUS INC COM 577933104 527 7,198 SH   SOLE   7,198 0 0
MCDONALDS CORP COM 580135101 467 2,175 SH   SOLE   2,175 0 0
MERCK & CO. INC COM 58933Y105 399 4,883 SH   SOLE   4,883 0 0
MICROSOFT CORP COM 594918104 2,259 10,157 SH   SOLE   10,157 0 0
MONDELEZ INTL INC CL A 609207105 535 9,148 SH   SOLE   9,148 0 0
NASDAQ INC COM 631103108 410 3,088 SH   SOLE   3,088 0 0
NIKE INC CL B 654106103 294 2,079 SH   SOLE   2,079 0 0
NORFOLK SOUTHN CORP COM 655844108 871 3,667 SH   SOLE   3,667 0 0
PEPSICO INC COM 713448108 438 2,956 SH   SOLE   2,956 0 0
PFIZER INC COM 717081103 573 15,560 SH   SOLE   15,560 0 0
PHILIP MORRIS INTL INC COM 718172109 2,817 34,030 SH   SOLE   34,030 0 0
POLARIS INC COM 731068102 369 3,875 SH   SOLE   3,875 0 0
PROCTER AND GAMBLE CO COM 742718109 442 3,179 SH   SOLE   3,179 0 0
SOUTHERN CO COM 842587107 359 5,850 SH   SOLE   5,850 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 819 2,190 SH   SOLE   2,190 0 0
TJX COS INC NEW COM 872540109 233 3,415 SH   SOLE   3,415 0 0
TRUIST FINL CORP COM 89832Q109 399 8,322 SH   SOLE   8,322 0 0
UNION PAC CORP COM 907818108 238 1,145 SH   SOLE   1,145 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 78,944 952,276 SH   SOLE   945,042 0 7,234
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,038 57,124 SH   SOLE   56,907 0 217
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 4,387 74,923 SH   SOLE   71,355 0 3,568
VANGUARD INDEX FDS LARGE CAP ETF 922908637 36,046 205,109 SH   SOLE   203,937 0 1,172
VANGUARD INDEX FDS GROWTH ETF 922908736 340 1,343 SH   SOLE   1,343 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 8,735 42,243 SH   SOLE   42,029 0 214
VANGUARD INDEX FDS SML CP GRW ETF 922908595 450 1,682 SH   SOLE   1,682 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 584 6,876 SH   SOLE   6,876 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,443 7,412 SH   SOLE   7,412 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 119,452 613,708 SH   SOLE   609,253 0 4,455
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,532 4,458 SH   SOLE   4,458 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 41,997 295,316 SH   SOLE   292,400 0 2,916
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 259 4,765 SH   SOLE   4,765 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 94,334 1,616,423 SH   SOLE   1,605,688 0 10,735
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 482 3,417 SH   SOLE   3,417 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 291 4,830 SH   SOLE   4,830 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 36,985 277,148 SH   SOLE   275,761 0 1,387
VERIZON COMMUNICATIONS INC COM 92343V104 470 8,000 SH   SOLE   8,000 0 0
WALMART INC COM 931142103 351 2,436 SH   SOLE   2,436 0 0