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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
INVESCO QQQ TR UNIT SER 1 46090E103   388,991 1,039 SH   SOLE   0 0 1,039
VANGUARD INDEX FDS TOTAL STK MKT 922908769   522,635 2,328 SH   SOLE   0 0 2,328
ISHARES TR MSCI KLD400 SOC 464288570   1,576,791 18,414 SH   SOLE   0 0 18,414
ISHARES TR MSCI USA ESG SLC 464288802   1,526,209 15,998 SH   SOLE   0 0 15,998
SPDR SER TR MSCI USA STRTGIC 78468R812   236,092 1,883 SH   SOLE   0 0 1,883
SPDR S&P 500 ETF TR TR UNIT 78462F103   19,838,450 44,073 SH   SOLE   0 0 44,073
PARSONS CORP DEL COM 70202L102   204,184 3,752 SH   SOLE   0 0 3,752
ISHARES TR 1 3 YR TREAS BD 464287457   878,582 10,863 SH   SOLE   0 0 10,863
HOME DEPOT INC COM 437076102   447,955 1,364 SH   DFND 1,2 0 50 1,314
ISHARES TR ESG AWRE 1 5 YR 46435G243   1,128,898 47,254 SH   SOLE   0 0 47,254
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   261,988 746 SH   DFND 1 0 79 667
ALPHABET INC CAP STK CL A 02079K305   604,927 4,712 SH   DFND 1,2 0 308 4,404
MICROSOFT CORP COM 594918104   639,925 1,954 SH   DFND 1,2 0 327 1,627
ISHARES TR ESG AWARE MSCI 46435U663   316,600 8,622 SH   SOLE   0 0 8,622
CVS HEALTH CORP COM 126650100   395,498 5,176 SH   DFND 1,2 0 70 5,106
CGI INC CL A SUB VTG 12532H104   1,292,850 13,000 SH   SOLE   0 0 13,000
NEW JERSEY RES CORP COM 646025106   257,488 5,868 SH   DFND 2 0 0 5,868
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   233,620 1,140 SH   SOLE   0 0 1,140
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   30,027,733 367,132 SH   SOLE   0 0 367,132
ISHARES TR SHORT TREAS BD 464288679   23,021,687 209,279 SH   SOLE   0 0 209,279
SPDR SER TR PORTFOLIO S&P600 78468R853   3,401,816 84,079 SH   SOLE   0 0 84,079
ISHARES TR CORE S&P500 ETF 464287200   234,199 518 SH   SOLE   0 0 518
UNION PAC CORP COM 907818108   252,760 1,098 SH   DFND 1,2 0 30 1,068
SPDR SER TR S&P DIVID ETF 78464A763   386,141 3,064 SH   SOLE   0 0 3,064
SPDR SER TR PORTFOLI S&P1500 78464A805   1,991,701 35,951 SH   SOLE   0 0 35,951
ORACLE CORP COM 68389X105   212,412 1,836 SH   DFND 1,2 0 77 1,759
ALPHABET INC CAP STK CL C 02079K107   373,442 2,903 SH   DFND 1,2 0 164 2,739
ANALOG DEVICES INC COM 032654105   530,227 2,755 SH   DFND 1 0 21 2,734
SPDR SER TR PORTFOLIO S&P500 78464A854   25,284,101 477,509 SH   SOLE   0 0 477,509
DNP SELECT INCOME FD INC COM 23325P104   223,080 22,000 SH   SOLE   0 0 22,000
T ROWE PRICE ETF INC PRICE DIV GRWT 87283Q404   21,465,272 632,914 SH   SOLE   0 0 632,914
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   450,046 10,030 SH   SOLE   0 0 10,030
EXXON MOBIL CORP COM 30231G102   284,494 2,702 SH   DFND 1 0 163 2,539
ISHARES TR CORE S&P MCP ETF 464287507   3,212,524 11,958 SH   SOLE   0 0 11,958
APPLE INC COM 037833100   2,188,582 11,365 SH   DFND 1,2 0 701 10,664