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
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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
ISHARES TR CORE S&P500 ETF 464287200 44,588,162 59,539 SH SOLE 0 0 59,539
INVESCO QQQ TR UNIT SER 1 46090E103 1,058,943 1,438 SH SOLE 0 0 1,438
HOME DEPOT INC COM 437076102 528,667 1,499 SH SOLE 0 0 1,499
APPLE INC COM 037833100 1,410,341 4,874 SH SOLE 0 0 4,874
NVIDIA CORPORATION COM 67066G104 1,930,469 9,648 SH SOLE 0 0 9,648
SPDR GOLD TR GOLD SHS 78463V107 324,174 880 SH SOLE 0 0 880
VANGUARD INDEX FDS VALUE ETF 922908744 575,989 2,643 SH SOLE 0 0 2,643
VANGUARD INDEX FDS SMALL CP ETF 922908751 410,424 1,354 SH SOLE 0 0 1,354
VANGUARD WORLD FD FINANCIALS ETF 92204A405 647,340 4,919 SH SOLE 0 0 4,919
VANGUARD WORLD FD UTILITIES ETF 92204A876 284,200 1,452 SH SOLE 0 0 1,452
NEW JERSEY RES CORP COM 646025106 254,544 4,542 SH SOLE 0 0 4,542
ISHARES TR US AER DEF ETF 464288760 227,875 940 SH SOLE 0 0 940
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 574,023 6,854 SH SOLE 0 0 6,854
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 266,281 1,685 SH SOLE 0 0 1,685
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 399,098 13,781 SH SOLE 0 0 13,781
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 25,677,789 926,996 SH SOLE 0 0 926,996
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 20,442,679 565,809 SH SOLE 0 0 565,809
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 522,625 15,444 SH SOLE 0 0 15,444
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,397,073 97,589 SH SOLE 0 0 97,589
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 963,747 20,028 SH SOLE 0 0 20,028
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,161,270 114,762 SH SOLE 0 0 114,762
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 10,841,371 449,104 SH SOLE 0 0 449,104
SCHWAB STRATEGIC TR US TIPS ETF 808524870 12,560,205 473,970 SH SOLE 0 0 473,970
SCHWAB STRATEGIC TR US REIT ETF 808524847 19,434,579 820,717 SH SOLE 0 0 820,717
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 32,513,355 1,405,679 SH SOLE 0 0 1,405,679
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 436,932 13,779 SH SOLE 0 0 13,779