Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
VGSH	VANGUARD SCOTTSDALE FDS	185,053	$10.89M	11.2%	$58.85	$58.98	-0.2%	SHORT TERM TREAS	92206C102
BND	VANGUARD BD INDEX FDS	137,518	$10.35M	10.7%	$75.28	$83.22	-9.6%	TOTAL BND MRKT	921937835
IWD	ISHARES TR	68,545	$9.941M	10.3%	$145.03	$146.39	-1.0%	RUS 1000 VAL ETF	464287598
AJG	GALLAGHER ARTHUR J & CO	59,320	$9.671M	10.0%	$163.03 *	$107.71	+46.4%	COM	363576109
IWF	ISHARES TR	34,461	$7.536M	7.8%	$218.68 *	$60.40	-9.5%	RUS 1000 GRW ETF	464287614
VEA	VANGUARD TAX-MANAGED INTL FD	141,505	$5.775M	6.0%	$40.81	$45.87	-11.1%	VAN FTSE DEV MKT	921943858
IWM	ISHARES TR	29,255	$4.954M	5.1%	$169.34	$179.09	-5.4%	RUSSELL 2000 ETF	464287655
IVV	ISHARES TR	10,890	$4.129M	4.3%	$379.16	$355.94	+6.5%	CORE S&P500 ETF	464287200
MDY	SPDR S&P MIDCAP 400 ETF TR	8,707	$3.598M	3.7%	$413.23	$407.06	+1.6%	UTSER1 S&PDCRP	78467Y107
AGG	ISHARES TR	24,154	$2.459M	2.5%	$101.81	$117.80	-13.7%	CORE US AGGBD ET	464287226
VWO	VANGUARD INTL EQUITY INDEX F	56,920	$2.371M	2.4%	$41.65	$47.80	-12.9%	FTSE EMR MKT ETF	922042858
IJH	ISHARES TR	7,466	$1.689M	1.7%	$226.23 *	$42.40	+6.7%	CORE S&P MCP ETF	464287507
JEPI	J P MORGAN EXCHANGE TRADED F	30,000	$1.664M	1.7%	$55.47	$61.53	-9.9%	EQUITY PREMIUM	46641Q332
EFA	ISHARES TR	26,581	$1.659M	1.7%	$62.41	$68.39	-8.6%	MSCI EAFE ETF	464287465
TAN	INVESCO EXCH TRADED FD TR II	22,918	$1.636M	1.7%	$71.38	$79.58	-10.3%	SOLAR ETF	46138G706
VDE	VANGUARD WORLD FDS	14,920	$1.487M	1.5%	$99.66	$80.40	+23.7%	ENERGY ETF	92204A306
VOO	VANGUARD INDEX FDS	4,210	$1.456M	1.5%	$345.84	$326.65	+6.2%	S&P 500 ETF SHS	922908363
IWR	ISHARES TR	20,725	$1.338M	1.4%	$64.56	$63.70	+1.5%	RUS MID CAP ETF	464287499
GLD	SPDR GOLD TR	7,726	$1.305M	1.3%	$168.91	$174.61	-3.5%	GOLD SHS	78463V107
VCLT	VANGUARD SCOTTSDALE FDS	12,577	$1.02M	1.1%	$81.10	$108.74	-25.4%	LG-TERM COR BD	92206C813
MSFT	MICROSOFT CORP	3,841	$987K	1.0%	$256.96 *	$206.04	+21.1%	COM	594918104
GOOGL	ALPHABET INC	407	$887K	0.9%	$2179.36 *	$83.49	+29.5%	CAP STK CL A	02079K305
NJR	NEW JERSEY RES CORP	19,563	$871K	0.9%	$44.52 *	$26.92	+45.2%	COM	646025106
TIP	ISHARES TR	7,595	$865K	0.9%	$113.89	$126.51	-10.0%	TIPS BD ETF	464287176
IVE	ISHARES TR	5,687	$782K	0.8%	$137.51	$120.94	+13.7%	S&P 500 VAL ETF	464287408
EEM	ISHARES TR	18,427	$739K	0.8%	$40.10	$48.23	-16.9%	MSCI EMG MKT ETF	464287234
AAPL	APPLE INC	5,007	$684K	0.7%	$136.61	$119.41	+12.5%	COM	037833100
MA	MASTERCARD INCORPORATED	1,900	$599K	0.6%	$315.26	$323.35	-4.4%	CL A	57636Q104
VNQ	VANGUARD INDEX FDS	6,106	$560K	0.6%	$91.71	$87.62	+4.0%	REAL ESTATE ETF	922908553
—	BLACKROCK INC	796	$484K	0.5%	$608.04	$721.74	—	COM	09247X101
V	VISA INC	2,219	$436K	0.5%	$196.48 *	$197.22	-2.8%	COM CL A	92826C839
BRK/A	BERKSHIRE HATHAWAY INC DEL	1	$409K	0.4%	$409000.00	$330761.80	+23.6%	CL A	084670108
—	INVESCO EXCH TRD SLF IDX FD	18,705	$382K	0.4%	$20.42	$21.95	—	BULSHS 2025 CB	46138J825
IJR	ISHARES TR	3,871	$357K	0.4%	$92.22	$85.12	+8.6%	CORE S&P SCP ETF	464287804
BSCQ	INVESCO EXCH TRD SLF IDX FD	17,143	$330K	0.3%	$19.25	$21.17	-9.0%	BULSHS 2026 CB	46138J791
AMZN	AMAZON COM INC	2,911	$309K	0.3%	$106.15	$127.02	-16.4%	COM	023135106
EDV	VANGUARD WORLD FD	3,077	$308K	0.3%	$100.10	$153.62	-34.8%	EXTENDED DUR	921910709
GOOG	ALPHABET INC	135	$295K	0.3%	$2185.19 *	$83.74	+29.6%	CAP STK CL C	02079K107
JNJ	JOHNSON & JOHNSON	1,616	$287K	0.3%	$177.60 *	$128.85	+24.1%	COM	478160104
—	INVESCO EXCH TRD SLF IDX FD	13,662	$286K	0.3%	$20.93	$21.89	—	BULSHS 2023 CB	46138J866
—	LAKELAND BANCORP INC	19,040	$278K	0.3%	$14.60	$16.70	—	COM	511637100
SPIB	SPDR SER TR	8,151	$266K	0.3%	$32.63	$36.90	-11.6%	PORTFOLIO INTRMD	78464A375
VCIT	VANGUARD SCOTTSDALE FDS	2,978	$239K	0.2%	$80.26	$96.12	-16.8%	INT-TERM CORP	92206C870
BSCS	INVESCO EXCH TRD SLF IDX FD	10,654	$213K	0.2%	$19.99	$23.31	-14.4%	INVSCO BLSH 28	46138J643
—	ATHERSYS INC NEW	100,246	$26,000	0.0%	$0.26	$0.90	—	COM	04744L106