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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 953 2,817 SH   SOLE   2,817 0 0
ISHARES TR CORE S&P MCP ETF 464287507 4,181 15,894 SH   SOLE   15,894 0 0
ISHARES TR S&P MC 400VL ETF 464287705 318 3,084 SH   SOLE   3,084 0 0
ISHARES TR S&P MC 400GR ETF 464287606 565 7,131 SH   SOLE   7,131 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,433 22,279 SH   SOLE   22,279 0 0
ISHARES TR CORE S&P500 ETF 464287200 7,125 16,539 SH   SOLE   16,539 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 511 3,265 SH   SOLE   3,265 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,268 4,625 SH   SOLE   4,625 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 530 2,425 SH   SOLE   2,425 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 327 680 SH   SOLE   680 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,339 7,781 SH   SOLE   7,781 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 688 10,765 SH   SOLE   10,765 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 276 5,026 SH   SOLE   5,026 0 0
AMAZON COM INC COM 023135106 22,447 6,833 SH   SOLE   6,833 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 217 3,661 SH   SOLE   3,661 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,245 8,225 SH   SOLE   8,225 0 0
BOEING CO COM 097023105 1,036 4,708 SH   SOLE   4,708 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 9,943 27,778 SH   SOLE   27,778 0 0
AMGEN INC COM 031162100 259 1,216 SH   SOLE   1,216 0 0
ABBOTT LABS COM 002824100 326 2,761 SH   SOLE   2,761 0 0
ALTRIA GROUP INC COM 02209S103 260 5,718 SH   SOLE   5,718 0 0
FEDEX CORP COM 31428X106 264 1,206 SH   SOLE   1,206 0 0
INTEL CORP COM 458140100 682 12,807 SH   SOLE   12,807 0 0
ORACLE CORP COM 68389X105 240 2,750 SH   SOLE   2,750 0 0
QUALCOMM INC COM 747525103 1,138 8,826 SH   SOLE   8,826 0 0
DISNEY WALT CO COM 254687106 2,423 14,321 SH   SOLE   14,321 0 0
HONEYWELL INTL INC COM 438516106 1,036 4,880 SH   SOLE   4,880 0 0
JOHNSON & JOHNSON COM 478160104 1,577 9,762 SH   SOLE   9,762 0 0
PFIZER INC COM 717081103 1,002 23,302 SH   SOLE   23,302 0 0
EXELON CORP COM 30161N101 426 8,815 SH   SOLE   8,815 0 0
LOWES COS INC COM 548661107 494 2,433 SH   SOLE   2,433 0 0
CHEVRON CORP NEW COM 166764100 873 8,609 SH   SOLE   8,609 0 0
MICROSOFT CORP COM 594918104 14,602 51,794 SH   SOLE   51,794 0 0
UNITED PARCEL SERVICE INC CL B 911312106 766 4,208 SH   SOLE   4,208 0 0
AT&T INC COM 00206R102 971 35,948 SH   SOLE   35,948 0 0
CISCO SYS INC COM 17275R102 547 10,057 SH   SOLE   10,057 0 0
DNP SELECT INCOME FD INC COM 23325P104 303 28,427 SH   SOLE   28,427 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 447 3,218 SH   SOLE   3,218 0 0
COCA COLA CO COM 191216100 776 14,783 SH   SOLE   14,783 0 0
LOCKHEED MARTIN CORP COM 539830109 793 2,299 SH   SOLE   2,299 0 0
PEPSICO INC COM 713448108 1,028 6,835 SH   SOLE   6,835 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 920 17,041 SH   SOLE   17,041 0 0
ISHARES TR RUS MID CAP ETF 464287499 215 2,750 SH   SOLE   2,750 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 379 10,101 SH   SOLE   10,101 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 292 2,982 SH   SOLE   2,982 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 357 2,388 SH   SOLE   2,388 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 365 2,863 SH   SOLE   2,863 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 14,789 96,283 SH   SOLE   96,283 0 0
DEERE & CO COM 244199105 715 2,135 SH   SOLE   2,135 0 0
BK OF AMERICA CORP COM 060505104 1,520 35,807 SH   SOLE   35,807 0 0
STARBUCKS CORP COM 855244109 327 2,964 SH   SOLE   2,964 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 318 1,590 SH   SOLE   1,590 0 0
EXXON MOBIL CORP COM 30231G102 1,369 23,275 SH   SOLE   23,275 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 218 514 SH   SOLE   514 0 0
WALMART INC COM 931142103 719 5,156 SH   SOLE   5,156 0 0
TARGET CORP COM 87612E106 307 1,343 SH   SOLE   1,343 0 0
COSTCO WHSL CORP NEW COM 22160K105 532 1,185 SH   SOLE   1,185 0 0
LILLY ELI & CO COM 532457108 1,000 4,329 SH   SOLE   4,329 0 0
CVS HEALTH CORP COM 126650100 530 6,248 SH   SOLE   6,248 0 0
DOMINION ENERGY INC COM 25746U109 448 6,129 SH   SOLE   6,129 0 0
DANAHER CORPORATION COM 235851102 255 839 SH   SOLE   839 0 0
MERCK & CO INC COM 58933Y105 1,060 14,113 SH   SOLE   14,113 0 0
PROCTER AND GAMBLE CO COM 742718109 1,894 13,549 SH   SOLE   13,549 0 0
GENERAL ELECTRIC CO COM NEW 369604301 491 4,765 SH   SOLE   4,765 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 307 813 SH   SOLE   813 0 0
HOME DEPOT INC COM 437076102 4,446 13,544 SH   SOLE   13,544 0 0
MCDONALDS CORP COM 580135101 959 3,979 SH   SOLE   3,979 0 0
NIKE INC CL B 654106103 269 1,851 SH   SOLE   1,851 0 0
JPMORGAN CHASE & CO COM 46625H100 1,017 6,210 SH   SOLE   6,210 0 0
ISHARES TR 20 YR TR BD ETF 464287432 921 6,383 SH   SOLE   6,383 0 0
ISHARES TR IBOXX INV CP ETF 464287242 233 1,748 SH   SOLE   1,748 0 0
XCEL ENERGY INC COM 98389B100 249 3,984 SH   SOLE   3,984 0 0
FISERV INC COM 337738108 303 2,794 SH   SOLE   2,794 0 0
FORD MTR CO DEL COM 345370860 482 34,037 SH   SOLE   34,037 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,183 3,027 SH   SOLE   3,027 0 0
3M CO COM 88579Y101 452 2,576 SH   SOLE   2,576 0 0
COMCAST CORP NEW CL A 20030N101 1,301 23,269 SH   SOLE   23,269 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,126 5,069 SH   SOLE   5,069 0 0
NEXTERA ENERGY INC COM 65339F101 1,901 24,211 SH   SOLE   24,211 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 368 3,771 SH   SOLE   3,771 0 0
CONOCOPHILLIPS COM 20825C104 375 5,528 SH   SOLE   5,528 0 0
APPLE INC COM 037833100 26,905 190,144 SH   SOLE   190,144 0 0
CATERPILLAR INC COM 149123101 674 3,512 SH   SOLE   3,512 0 0
INTERNATIONAL PAPER CO COM 460146103 260 4,655 SH   SOLE   4,655 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 306 6,082 SH   SOLE   6,082 0 0
PPL CORP COM 69351T106 901 32,319 SH   SOLE   32,319 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,494 9,974 SH   SOLE   9,974 0 0
AUDACY INC CL A 05070N103 103 28,025 SH   SOLE   28,025 0 0
GENERAL MLS INC COM 370334104 222 3,710 SH   SOLE   3,710 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 224 3,684 SH   SOLE   3,684 0 0
SOUTHERN CO COM 842587107 201 3,237 SH   SOLE   3,237 0 0
PAYCHEX INC COM 704326107 650 5,782 SH   SOLE   5,782 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 823 2 SH   SOLE   2 0 0
PNC FINL SVCS GROUP INC COM 693475105 295 1,510 SH   SOLE   1,510 0 0
NETFLIX INC COM 64110L106 1,022 1,675 SH   SOLE   1,675 0 0
ISHARES TR CORE US AGGBD ET 464287226 453 3,943 SH   SOLE   3,943 0 0
PROLOGIS INC. COM 74340W103 213 1,695 SH   SOLE   1,695 0 0
ISHARES TR SELECT DIVID ETF 464287168 310 2,702 SH   SOLE   2,702 0 0
CLOROX CO DEL COM 189054109 493 2,975 SH   SOLE   2,975 0 0
NVIDIA CORPORATION COM 67066G104 1,320 6,373 SH   SOLE   6,373 0 0
BECTON DICKINSON & CO COM 075887109 287 1,167 SH   SOLE   1,167 0 0
ALPHABET INC CAP STK CL A 02079K305 8,181 3,060 SH   SOLE   3,060 0 0
SPDR GOLD TR GOLD SHS 78463V107 702 4,272 SH   SOLE   4,272 0 0
WEC ENERGY GROUP INC COM 92939U106 267 3,030 SH   SOLE   3,030 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 952 7,034 SH   SOLE   7,034 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,247 5,044 SH   SOLE   5,044 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,316 9,782 SH   SOLE   9,782 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,030 10,117 SH   SOLE   10,117 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 641 9,696 SH   SOLE   9,696 0 0
BLACKROCK INC COM 09247X101 243 290 SH   SOLE   290 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 8,482 38,788 SH   SOLE   38,788 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 997 3,436 SH   SOLE   3,436 0 0
ADAMS DIVERSIFIED EQUITY FD COM 006212104 280 14,150 SH   SOLE   14,150 0 0
SPDR SER TR S&P DIVID ETF 78464A763 14,308 121,722 SH   SOLE   121,722 0 0
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 805 15,045 SH   SOLE   15,045 0 0
ISHARES TR EAFE VALUE ETF 464288877 274 5,387 SH   SOLE   5,387 0 0
ISHARES TR EAFE GRWTH ETF 464288885 293 2,749 SH   SOLE   2,749 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 468 2,954 SH   SOLE   2,954 0 0
SALESFORCE COM INC COM 79466L302 246 907 SH   SOLE   907 0 0
SOUTH JERSEY INDS INC COM 838518108 432 20,301 SH   SOLE   20,301 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 969 2,415 SH   SOLE   2,415 0 0
SPDR SER TR S&P BIOTECH 78464A870 329 2,615 SH   SOLE   2,615 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,419 6,956 SH   SOLE   6,956 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 228 1,904 SH   SOLE   1,904 0 0
ISHARES TR US AER DEF ETF 464288760 410 3,932 SH   SOLE   3,932 0 0
EXTRA SPACE STORAGE INC COM 30225T102 202 1,200 SH   SOLE   1,200 0 0
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808 1,800 32,042 SH   SOLE   32,042 0 0
ISHARES TR CORE S&P TTL STK 464287150 306 3,113 SH   SOLE   3,113 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 251 12,493 SH   SOLE   12,493 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,762 20,625 SH   SOLE   20,625 0 0
ISHARES TR MSCI KLD400 SOC 464288570 356 4,274 SH   SOLE   4,274 0 0
INVESCO EXCH TRADED FD TR II S&P GBL WATER 46138E263 223 3,992 SH   SOLE   3,992 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 527 5,103 SH   SOLE   5,103 0 0
ISHARES TR NATIONAL MUN ETF 464288414 732 6,301 SH   SOLE   6,301 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 899 3,015 SH   SOLE   3,015 0 0
VISA INC COM CL A 92826C839 3,798 17,048 SH   SOLE   17,048 0 0
PHILIP MORRIS INTL INC COM 718172109 382 4,031 SH   SOLE   4,031 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 219 1,436 SH   SOLE   1,436 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 150 10,000 SH   SOLE   10,000 0 0
OCEANFIRST FINL CORP COM 675234108 258 12,060 SH   SOLE   12,060 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 456 4,242 SH   SOLE   4,242 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,006 21,243 SH   SOLE   21,243 0 0
MARKER THERAPEUTICS INC COM 57055L107 19 11,475 SH   SOLE   11,475 0 0
BROADCOM INC COM 11135F101 917 1,892 SH   SOLE   1,892 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 321 3,150 SH   SOLE   3,150 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,597 25,005 SH   SOLE   25,005 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,260 32,559 SH   SOLE   32,559 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 513 6,219 SH   SOLE   6,219 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,827 18,250 SH   SOLE   18,250 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 9,751 65,844 SH   SOLE   65,844 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 262 3,881 SH   SOLE   3,881 0 0
PROSHARES TR ULTRASHRT DOW 30 74347G648 370 11,000 SH   SOLE   11,000 0 0
DIREXION SHS ETF TR DLY SEMICNDTR BR 25460G690 184 26,000 SH   SOLE   26,000 0 0
TESLA INC COM 88160R101 1,694 2,184 SH   SOLE   2,184 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 268 5,243 SH   SOLE   5,243 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 215 3,438 SH   SOLE   3,438 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 375 2,104 SH   SOLE   2,104 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,660 8,235 SH   SOLE   8,235 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 328 830 SH   SOLE   830 0 0
GENERAL MTRS CO COM 37045V100 331 6,274 SH   SOLE   6,274 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,232 29,117 SH   SOLE   29,117 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 524 8,290 SH   SOLE   8,290 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,537 26,914 SH   SOLE   26,914 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 316 5,190 SH   SOLE   5,190 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 426 7,850 SH   SOLE   7,850 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,373 166,658 SH   SOLE   166,658 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 247 3,367 SH   SOLE   3,367 0 0
FACEBOOK INC CL A 30303M102 4,063 11,971 SH   SOLE   11,971 0 0
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 280 1,072 SH   SOLE   1,072 0 0
ISHARES TR CORE MSCI EAFE 46432F842 909 12,241 SH   SOLE   12,241 0 0
ABBVIE INC COM 00287Y109 773 7,169 SH   SOLE   7,169 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 309 11,570 SH   SOLE   11,570 0 0
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108 666 32,428 SH   SOLE   32,428 0 0
ISHARES TR MSCI USA MMENTM 46432F396 889 5,060 SH   SOLE   5,060 0 0
ALPHABET INC CAP STK CL C 02079K107 3,633 1,363 SH   SOLE   1,363 0 0
ISHARES TR CORE DIV GRWTH 46434V621 927 18,452 SH   SOLE   18,452 0 0
UBS AG LONDON BRANCH EN LG CP GRWTH 902677780 214 303 SH   SOLE   303 0 0
MATINAS BIOPHARMA HLDGS INC COM 576810105 13 10,000 SH   SOLE   10,000 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,014 6,849 SH   SOLE   6,849 0 0
ARK ETF TR INNOVATION ETF 00214Q104 558 5,049 SH   SOLE   5,049 0 0
QUALIGEN THERAPEUTICS INC COM 74754R103 26 19,957 SH   SOLE   19,957 0 0
PAYPAL HLDGS INC COM 70450Y103 651 2,503 SH   SOLE   2,503 0 0
SQUARE INC CL A 852234103 572 2,385 SH   SOLE   2,385 0 0
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 576 11,479 SH   SOLE   11,479 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 290 3,614 SH   SOLE   3,614 0 0
J P MORGAN EXCHANGE-TRADED F US AGGREGATE ETF 46641Q241 665 12,260 SH   SOLE   12,260 0 0
DRAFTKINGS INC COM CL A 26142R104 271 5,635 SH   SOLE   5,635 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100 443 5,085 SH   SOLE   5,085 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 252 3,420 SH   SOLE   3,420 0 0
APPLE INC COM 037833100 47 1,200 SH Call SOLE   0 0 1,200
APPLE INC COM 037833100 42 1,300 SH Call SOLE   0 0 1,300
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1 200 SH Call SOLE   0 0 200
BOEING CO COM 097023105 3 200 SH Call SOLE   0 0 200
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 4 300 SH Call SOLE   0 0 300
DISNEY WALT CO COM 254687106 1 200 SH Call SOLE   0 0 200
BOEING CO COM 097023105 18 400 SH Call SOLE   0 0 400
DISNEY WALT CO COM 254687106 1 200 SH Call SOLE   0 0 200
APPLE INC COM 037833100 28 700 SH Call SOLE   0 0 700
BOEING CO COM 097023105 7 100 SH Call SOLE   0 0 100
BOEING CO COM 097023105 12 500 SH Call SOLE   0 0 500
CVS HEALTH CORP COM 126650100 5 200 SH Call SOLE   0 0 200
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 566 11,287 SH   SOLE   11,287 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 732 3,220 SH   SOLE   3,220 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 38 2,000 SH Call SOLE   0 0 2,000
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 790 16,746 SH   SOLE   16,746 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 669 25,195 SH   SOLE   25,195 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 444 7,720 SH   SOLE   7,720 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 12 1,500 SH Call SOLE   0 0 1,500