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
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 416 1,414 SH   SOLE   0 0 1,414
ALPHABET INC CAP STK CL A 02079K305 539 368 SH   SOLE   0 0 368
ALPHABET INC CAP STK CL C 02079K107 342 233 SH   SOLE   0 0 233
AMAZON COM INC COM 023135106 2,132 677 SH   SOLE   0 0 677
AMERICAN ELEC PWR CO INC COM 025537101 300 3,665 SH   SOLE   0 0 3,665
AMGEN INC COM 031162100 1,461 5,747 SH   SOLE   0 0 5,747
APPLE INC COM 037833100 6,003 51,835 SH   SOLE   0 0 51,835
AT&T INC COM 00206R102 308 10,810 SH   SOLE   0 0 10,810
AUTOMATIC DATA PROCESSING IN COM 053015103 632 4,529 SH   SOLE   0 0 4,529
BK OF AMERICA CORP COM 060505104 282 11,697 SH   SOLE   0 0 11,697
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 946 4,444 SH   SOLE   0 0 4,444
BLACKROCK CALIF MUN INCOME T SH BEN INT 09248E102 286 21,707 SH   SOLE   0 0 21,707
BOEING CO COM 097023105 299 1,812 SH   SOLE   0 0 1,812
COMCAST CORP NEW CL A 20030N101 340 7,349 SH   SOLE   0 0 7,349
CSX CORP COM 126408103 217 2,800 SH   SOLE   0 0 2,800
ESSENTIAL UTILS INC COM 29670G102 416 10,323 SH   SOLE   0 0 10,323
EXXON MOBIL CORP COM 30231G102 671 19,558 SH   SOLE   0 0 19,558
FIRST BANK WILLIAMSTOWN NJ COM 31931U102 75 12,065 SH   SOLE   0 0 12,065
FIRST TR EXCHANGE TRADED FD CLOUD COMPUTING 33734X192 225 2,867 SH   SOLE   0 0 2,867
FS KKR CAP CORP II COM 35952V303 266 18,079 SH   SOLE   0 0 18,079
GENERAL ELECTRIC CO COM 369604103 610 99,631 SH   SOLE   0 0 99,631
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 266 7,061 SH   SOLE   0 0 7,061
HP INC COM 40434L105 257 13,547 SH   SOLE   0 0 13,547
HOME DEPOT INC COM 437076102 287 1,033 SH   SOLE   0 0 1,033
HUNTINGTON INGALLS INDS INC COM 446413106 29,961 212,868 SH   SOLE   0 0 212,868
IMMUNOMEDICS INC COM 452907108 250 2,935 SH   SOLE   0 0 2,935
INTEL CORP COM 458140100 205 3,959 SH   SOLE   0 0 3,959
INTERNATIONAL BUSINESS MACHS COM 459200101 308 2,531 SH   SOLE   0 0 2,531
INVESCO QQQ TR UNIT SER 1 46090E103 54,304 195,452 SH   SOLE   0 0 195,452
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 38 910 SH   SOLE   0 0 910
ISHARES TR 1 3 YR TREAS BD 464287457 13 150 SH   SOLE   0 0 150
ISHARES TR ISHS 1-5YR INVS 464288646 28 504 SH   SOLE   0 0 504
ISHARES TR CORE MSCI EAFE 46432F842 3,158 52,392 SH   SOLE   0 0 52,392
ISHARES TR CORE S&P500 ETF 464287200 600 1,786 SH   SOLE   0 0 1,786
ISHARES TR CORE S&P MCP ETF 464287507 100 539 SH   SOLE   0 0 539
ISHARES TR CORE S&P SCP ETF 464287804 152 2,169 SH   SOLE   0 0 2,169
ISHARES TR CORE S&P US VLU 464287663 2 28 SH   SOLE   0 0 28
ISHARES TR CORE US AGGBD ET 464287226 180 1,521 SH   SOLE   0 0 1,521
ISHARES TR SELECT DIVID ETF 464287168 73 892 SH   SOLE   0 0 892
ISHARES TR DOW JONES US ETF 464287846 67 402 SH   SOLE   0 0 402
ISHARES TR MSCI EAFE MIN VL 46429B689 743 10,907 SH   SOLE   0 0 10,907
ISHARES TR MSCI USA QLT FCT 46432F339 13 125 SH   SOLE   0 0 125
ISHARES TR IBOXX HI YD ETF 464288513 14 168 SH   SOLE   0 0 168
ISHARES TR IBOXX INV CP ETF 464287242 1 11 SH   SOLE   0 0 11
ISHARES TR ISHS 5-10YR INVT 464288638 123 2,016 SH   SOLE   0 0 2,016
ISHARES TR INTL SEL DIV ETF 464288448 58 2,316 SH   SOLE   0 0 2,316
ISHARES TR JPMORGAN USD EMG 464288281 171 1,545 SH   SOLE   0 0 1,545
ISHARES TR MSCI AC ASIA ETF 464288182 9 119 SH   SOLE   0 0 119
ISHARES TR EAFE GRWTH ETF 464288885 91 1,018 SH   SOLE   0 0 1,018
ISHARES TR MSCI EAFE ETF 464287465 13,244 208,073 SH   SOLE   0 0 208,073
ISHARES TR EAFE SML CP ETF 464288273 124 2,105 SH   SOLE   0 0 2,105
ISHARES INC MSCI EMERG MRKT 464286533 733 13,278 SH   SOLE   0 0 13,278
ISHARES TR MSCI EMG MKT ETF 464287234 2,183 49,512 SH   SOLE   0 0 49,512
ISHARES TR MSCI INDIA ETF 46429B598 87 2,581 SH   SOLE   0 0 2,581
ISHARES TR MSCI INDIA SM CP 46429B614 3 85 SH   SOLE   0 0 85
ISHARES TR MSCI USA MIN VOL 46429B697 2,180 34,208 SH   SOLE   0 0 34,208
ISHARES TR NASDAQ BIOTECH 464287556 66 488 SH   SOLE   0 0 488
ISHARES TR NATIONAL MUN ETF 464288414 15 129 SH   SOLE   0 0 129
ISHARES TR PHLX SEMICND ETF 464287523 28 91 SH   SOLE   0 0 91
ISHARES TR RUS 1000 GRW ETF 464287614 4,268 19,679 SH   SOLE   0 0 19,679
ISHARES TR RUS 1000 VAL ETF 464287598 560 4,737 SH   SOLE   0 0 4,737
ISHARES TR RUS 2000 GRW ETF 464287648 181 816 SH   SOLE   0 0 816
ISHARES TR RUSSELL 2000 ETF 464287655 892 5,956 SH   SOLE   0 0 5,956
ISHARES TR RUS 2000 VAL ETF 464287630 22 219 SH   SOLE   0 0 219
ISHARES TR RUS MID CAP ETF 464287499 9,370 163,289 SH   SOLE   0 0 163,289
ISHARES TR RUS MD CP GR ETF 464287481 213 1,234 SH   SOLE   0 0 1,234
ISHARES TR RUS MDCP VAL ETF 464287473 8 96 SH   SOLE   0 0 96
ISHARES TR S&P 500 GRWT ETF 464287309 222 962 SH   SOLE   0 0 962
ISHARES TR S&P 500 VAL ETF 464287408 149 1,323 SH   SOLE   0 0 1,323
ISHARES TR S&P MC 400GR ETF 464287606 54 226 SH   SOLE   0 0 226
ISHARES TR SHRT NAT MUN ETF 464288158 566 5,238 SH   SOLE   0 0 5,238
ISHARES TR US AER DEF ETF 464288760 20 127 SH   SOLE   0 0 127
ISHARES TR US HLTHCARE ETF 464287762 23 100 SH   SOLE   0 0 100
ISHARES TR PFD AND INCM SEC 464288687 309 8,482 SH   SOLE   0 0 8,482
ISHARES TR US TREAS BD ETF 46429B267 50 1,806 SH   SOLE   0 0 1,806
JOHN HANCOCK EXCHANGE TRADED MULTI INTL ETF 47804J859 26 958 SH   SOLE   0 0 958
JOHN HANCOCK EXCHANGE TRADED MULTIFACTR SML 47804J842 284 11,651 SH   SOLE   0 0 11,651
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 7 178 SH   SOLE   0 0 178
JOHNSON & JOHNSON COM 478160104 11,334 76,126 SH   SOLE   0 0 76,126
KIMBERLY CLARK CORP COM 494368103 535 3,621 SH   SOLE   0 0 3,621
KRANESHARES TR CSI CHI INTERNET 500767306 204 2,998 SH   SOLE   0 0 2,998
MASTERCARD INCORPORATED CL A 57636Q104 236 698 SH   SOLE   0 0 698
MEDTRONIC PLC SHS G5960L103 613 5,895 SH   SOLE   0 0 5,895
MERCK & CO. INC COM 58933Y105 1,023 12,332 SH   SOLE   0 0 12,332
MICROSOFT CORP COM 594918104 1,586 7,543 SH   SOLE   0 0 7,543
ORACLE CORP COM 68389X105 261 4,364 SH   SOLE   0 0 4,364
PEPSICO INC COM 713448108 251 1,814 SH   SOLE   0 0 1,814
PFIZER INC COM 717081103 519 14,150 SH   SOLE   0 0 14,150
PHILIP MORRIS INTL INC COM 718172109 232 3,091 SH   SOLE   0 0 3,091
PIMCO ETF TR ACTIVE BD ETF 72201R775 107 950 SH   SOLE   0 0 950
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 5 49 SH   SOLE   0 0 49
PIMCO ETF TR INTER MUN BD ACT 72201R866 2 29 SH   SOLE   0 0 29
PIMCO ETF TR INV GRD CRP BD 72201R817 316 2,752 SH   SOLE   0 0 2,752
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 5,955 111,012 SH   SOLE   0 0 111,012
PROCTER AND GAMBLE CO COM 742718109 1,204 8,661 SH   SOLE   0 0 8,661
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 253 4,614 SH   SOLE   0 0 4,614
RPM INTL INC COM 749685103 572 6,907 SH   SOLE   0 0 6,907
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 371 13,858 SH   SOLE   0 0 13,858
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1 32 SH   SOLE   0 0 32
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 109 4,446 SH   SOLE   0 0 4,446
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 12 388 SH   SOLE   0 0 388
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789 36 946 SH   SOLE   0 0 946
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 62 1,610 SH   SOLE   0 0 1,610
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 17 500 SH   SOLE   0 0 500
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 817 13,916 SH   SOLE   0 0 13,916
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 877 27,943 SH   SOLE   0 0 27,943
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 39 1,213 SH   SOLE   0 0 1,213
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 467 9,060 SH   SOLE   0 0 9,060
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 297 5,305 SH   SOLE   0 0 5,305
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,880 73,828 SH   SOLE   0 0 73,828
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 65 1,179 SH   SOLE   0 0 1,179
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 908 7,881 SH   SOLE   0 0 7,881
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 7,106 136,165 SH   SOLE   0 0 136,165
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 147 1,822 SH   SOLE   0 0 1,822
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 248 4,477 SH   SOLE   0 0 4,477
SCHWAB STRATEGIC TR US REIT ETF 808524847 11 324 SH   SOLE   0 0 324
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 261 3,818 SH   SOLE   0 0 3,818
SCHWAB STRATEGIC TR US TIPS ETF 808524870 76 1,235 SH   SOLE   0 0 1,235
SEI INVTS CO COM 784117103 513 10,117 SH   SOLE   0 0 10,117
SPDR SER TR BLOMBRG BRC INTL 78464A151 14 406 SH   SOLE   0 0 406
SPDR SER TR BLOMBERG INTL TR 78464A516 14 464 SH   SOLE   0 0 464
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 332 1,196 SH   SOLE   0 0 1,196
SPDR SER TR FACTST INV ETF 78464A110 3 15 SH   SOLE   0 0 15
SPDR GOLD TR GOLD SHS 78463V107 2,168 12,239 SH   SOLE   0 0 12,239
SPDR SER TR S&P 400 MDCP GRW 78464A821 2 26 SH   SOLE   0 0 26
SPDR SER TR S&P 400 MDCP VAL 78464A839 19 435 SH   SOLE   0 0 435
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,382 13,083 SH   SOLE   0 0 13,083
SPDR SER TR S&P 600 SML CAP 78464A813 3,327 54,651 SH   SOLE   0 0 54,651
SPDR SER TR S&P 600 SMCP GRW 78464A201 24 409 SH   SOLE   0 0 409
SPDR SER TR S&P 600 SMCP VAL 78464A300 2 41 SH   SOLE   0 0 41
SPDR SER TR S&P BIOTECH 78464A870 32 291 SH   SOLE   0 0 291
SPDR SER TR S&P DIVID ETF 78464A763 46 500 SH   SOLE   0 0 500
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 67 1,841 SH   SOLE   0 0 1,841
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 13 342 SH   SOLE   0 0 342
SPDR SER TR S&P HOMEBUILD 78464A888 35 644 SH   SOLE   0 0 644
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 186 6,112 SH   SOLE   0 0 6,112
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 795 2,346 SH   SOLE   0 0 2,346
STRYKER CORPORATION COM 863667101 6,024 28,909 SH   SOLE   0 0 28,909
TESLA INC COM 88160R101 395 920 SH   SOLE   0 0 920
UNITEDHEALTH GROUP INC COM 91324P102 267 858 SH   SOLE   0 0 858
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 866 2,816 SH   SOLE   0 0 2,816
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 4 15 SH   SOLE   0 0 15
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 9 57 SH   SOLE   0 0 57
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,517 11,793 SH   SOLE   0 0 11,793
VANGUARD WORLD FDS ENERGY ETF 92204A306 46 1,149 SH   SOLE   0 0 1,149
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 180 1,391 SH   SOLE   0 0 1,391
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 171 3,386 SH   SOLE   0 0 3,386
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 418 3,972 SH   SOLE   0 0 3,972
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,427 59,328 SH   SOLE   0 0 59,328
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,440 79,553 SH   SOLE   0 0 79,553
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 284 5,837 SH   SOLE   0 0 5,837
VANGUARD INDEX FDS GROWTH ETF 922908736 55 242 SH   SOLE   0 0 242
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 169 829 SH   SOLE   0 0 829
VANGUARD WORLD FDS INF TECH ETF 92204A702 10 33 SH   SOLE   0 0 33
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2 21 SH   SOLE   0 0 21
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1 5 SH   SOLE   0 0 5
VANGUARD INDEX FDS MID CAP ETF 922908629 133 752 SH   SOLE   0 0 752
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 174 965 SH   SOLE   0 0 965
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7 66 SH   SOLE   0 0 66
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 106 1,342 SH   SOLE   0 0 1,342
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 42,846 192,221 SH   SOLE   0 0 192,221
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 18,603 179,288 SH   SOLE   0 0 179,288
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 77 635 SH   SOLE   0 0 635
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 161 1,936 SH   SOLE   0 0 1,936
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 75 900 SH   SOLE   0 0 900
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 357 7,007 SH   SOLE   0 0 7,007
VANGUARD INDEX FDS SM CP VAL ETF 922908611 454 4,103 SH   SOLE   0 0 4,103
VANGUARD INDEX FDS SML CP GRW ETF 922908595 126 584 SH   SOLE   0 0 584
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,922 18,999 SH   SOLE   0 0 18,999
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 145 1,638 SH   SOLE   0 0 1,638
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,829 34,226 SH   SOLE   0 0 34,226
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 46 572 SH   SOLE   0 0 572
VANGUARD WORLD FDS UTILITIES ETF 92204A876 1 10 SH   SOLE   0 0 10
VANGUARD INDEX FDS VALUE ETF 922908744 264 2,528 SH   SOLE   0 0 2,528
VERIZON COMMUNICATIONS INC COM 92343V104 241 4,045 SH   SOLE   0 0 4,045
WALMART INC COM 931142103 721 5,153 SH   SOLE   0 0 5,153
WEST PHARMACEUTICAL SVSC INC COM 955306105 11,718 42,627 SH   SOLE   0 0 42,627
WISDOMTREE TR EMER MKT HIGH FD 97717W315 119 3,373 SH   SOLE   0 0 3,373
WISDOMTREE TR INDIA ERNGS FD 97717W422 62 2,610 SH   SOLE   0 0 2,610
WISDOMTREE TR US MIDCAP DIVID 97717W505 14 481 SH   SOLE   0 0 481
WISDOMTREE TR US LARGECAP DIVD 97717W307 61 625 SH   SOLE   0 0 625
WISDOMTREE TR US SMALLCAP DIVD 97717W604 19 925 SH   SOLE   0 0 925
ZYNGA INC CL A 98986T108 167 18,281 SH   SOLE   0 0 18,281
VEREIT INC COM 92339V100 75 11,477 SH   SOLE   0 0 11,477
AMAZON COM INC COM 023135106 9 3 SH   SOLE   0 0 3
APPLE INC COM 037833100 2 18 SH   SOLE   0 0 18
CARPENTER TECHNOLOGY CORP COM 144285103 184 10,157 SH   SOLE   0 0 10,157
EXXON MOBIL CORP COM 30231G102 18 516 SH   SOLE   0 0 516
INVESCO QQQ TR UNIT SER 1 46090E103 3 9 SH   SOLE   0 0 9
ISHARES TR RUS MID CAP ETF 464287499 5 82 SH   SOLE   0 0 82
PROCTER AND GAMBLE CO COM 742718109 2,008 14,445 SH   SOLE   0 0 14,445
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3 101 SH   SOLE   0 0 101
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 17 151 SH   SOLE   0 0 151
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7 121 SH   SOLE   0 0 121
TESLA INC COM 88160R101 101 235 SH   SOLE   0 0 235
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 7 33 SH   SOLE   0 0 33
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 3 25 SH   SOLE   0 0 25
WEST PHARMACEUTICAL SVSC INC COM 955306105 105 381 SH   SOLE   0 0 381