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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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
ALPHABET INC CAP STK CL A 02079K305 887 407 SH   SOLE   0 0 407
ALPHABET INC CAP STK CL C 02079K107 295 135 SH   SOLE   0 0 135
AMAZON COM INC COM 023135106 309 2,911 SH   SOLE   0 0 2,911
APPLE INC COM 037833100 684 5,007 SH   SOLE   0 0 5,007
ATHERSYS INC NEW COM 04744L106 26 100,246 SH   SOLE   0 0 100,246
BERKSHIRE HATHAWAY INC DEL CL A 084670108 409 1 SH   SOLE   0 0 1
BLACKROCK INC COM 09247X101 484 796 SH   SOLE   0 0 796
GALLAGHER ARTHUR J & CO COM 363576109 9,671 59,320 SH   SOLE   0 0 59,320
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,636 22,918 SH   SOLE   0 0 22,918
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 286 13,662 SH   SOLE   0 0 13,662
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 382 18,705 SH   SOLE   0 0 18,705
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 330 17,143 SH   SOLE   0 0 17,143
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 213 10,654 SH   SOLE   0 0 10,654
ISHARES TR CORE S&P MCP ETF 464287507 1,689 7,466 SH   SOLE   0 0 7,466
ISHARES TR CORE S&P SCP ETF 464287804 357 3,871 SH   SOLE   0 0 3,871
ISHARES TR CORE S&P500 ETF 464287200 4,129 10,890 SH   SOLE   0 0 10,890
ISHARES TR CORE US AGGBD ET 464287226 2,459 24,154 SH   SOLE   0 0 24,154
ISHARES TR MSCI EAFE ETF 464287465 1,659 26,581 SH   SOLE   0 0 26,581
ISHARES TR MSCI EMG MKT ETF 464287234 739 18,427 SH   SOLE   0 0 18,427
ISHARES TR RUS 1000 GRW ETF 464287614 7,536 34,461 SH   SOLE   0 0 34,461
ISHARES TR RUS 1000 VAL ETF 464287598 9,941 68,545 SH   SOLE   0 0 68,545
ISHARES TR RUS MID CAP ETF 464287499 1,338 20,725 SH   SOLE   0 0 20,725
ISHARES TR RUSSELL 2000 ETF 464287655 4,954 29,255 SH   SOLE   0 0 29,255
ISHARES TR S&P 500 VAL ETF 464287408 782 5,687 SH   SOLE   0 0 5,687
ISHARES TR TIPS BD ETF 464287176 865 7,595 SH   SOLE   0 0 7,595
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 1,664 30,000 SH   SOLE   0 0 30,000
JOHNSON & JOHNSON COM 478160104 287 1,616 SH   SOLE   0 0 1,616
LAKELAND BANCORP INC COM 511637100 278 19,040 SH   SOLE   0 0 19,040
MASTERCARD INCORPORATED CL A 57636Q104 599 1,900 SH   SOLE   0 0 1,900
MICROSOFT CORP COM 594918104 987 3,841 SH   SOLE   0 0 3,841
NEW JERSEY RES CORP COM 646025106 871 19,563 SH   SOLE   0 0 19,563
SPDR GOLD TR GOLD SHS 78463V107 1,305 7,726 SH   SOLE   0 0 7,726
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,598 8,707 SH   SOLE   0 0 8,707
SPDR SER TR PORTFOLIO INTRMD 78464A375 266 8,151 SH   SOLE   0 0 8,151
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 10,352 137,518 SH   SOLE   0 0 137,518
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 560 6,106 SH   SOLE   0 0 6,106
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,456 4,210 SH   SOLE   0 0 4,210
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,371 56,920 SH   SOLE   0 0 56,920
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 239 2,978 SH   SOLE   0 0 2,978
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,020 12,577 SH   SOLE   0 0 12,577
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 10,891 185,053 SH   SOLE   0 0 185,053
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 5,775 141,505 SH   SOLE   0 0 141,505
VANGUARD WORLD FD EXTENDED DUR 921910709 308 3,077 SH   SOLE   0 0 3,077
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,487 14,920 SH   SOLE   0 0 14,920
VISA INC COM CL A 92826C839 436 2,219 SH   SOLE   0 0 2,219