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 44,505,019 58,112 SH SOLE 0 0 58,112
INVESCO QQQ TR UNIT SER 1 46090E103 1,063,789 1,438 SH SOLE 0 0 1,438
HOME DEPOT INC COM 437076102 426,451 1,499 SH SOLE 0 0 1,499
APPLE INC COM 037833100 1,566,193 4,703 SH SOLE 0 0 4,703
NVIDIA CORPORATION COM 67066G104 1,766,976 7,737 SH SOLE 0 0 7,737
SPDR GOLD TR GOLD SHS 78463V107 325,618 855 SH SOLE 0 0 855
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 571,099 2,643 SH SOLE 0 0 2,643
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 385,199 1,354 SH SOLE 0 0 1,354
VANGUARD WORLD FD FINANCIALS ETF 92204A405 631,717 4,856 SH SOLE 0 0 4,856
VANGUARD WORLD FD UTILITIES ETF 92204A876 248,292 1,452 SH SOLE 0 0 1,452
NEW JERSEY RES CORP COM 646025106 231,775 4,581 SH SOLE 0 0 4,581
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 568,676 6,854 SH SOLE 0 0 6,854
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 261,512 1,685 SH SOLE 0 0 1,685
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 403,921 13,781 SH SOLE 0 0 13,781
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 27,201,591 990,229 SH SOLE 0 0 990,229
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 18,597,972 569,965 SH SOLE 0 0 569,965
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 539,956 15,028 SH SOLE 0 0 15,028
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 3,230,570 96,985 SH SOLE 0 0 96,985
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,005,046 20,206 SH SOLE 0 0 20,206
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,212,490 115,569 SH SOLE 0 0 115,569
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,427,131 185,546 SH SOLE 0 0 185,546
SCHWAB STRATEGIC TR US TIPS ETF 808524870 17,032,877 677,791 SH SOLE 0 0 677,791
SCHWAB STRATEGIC TR US REIT ETF 808524847 18,953,496 859,959 SH SOLE 0 0 859,959
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 38,646,401 1,748,706 SH SOLE 0 0 1,748,706
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 448,231 13,779 SH SOLE 0 0 13,779