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 FLTG RATE NT ETF | FLTG RATE NT ETF | 46429B655 | 18,017,188 | 353,486 | SH | | SOLE | | 0 | 0 | 353,486 |
ISHARES TRUST CORE MSCI EAFE ETF | CORE MSCI EAFE | 46432F842 | 15,211,817 | 249,088 | SH | | SOLE | | 0 | 0 | 249,088 |
ISHARES CORE S&P SMALL-CAP E | CORE S&P SCP ETF | 464287804 | 11,240,448 | 144,405 | SH | | SOLE | | 0 | 0 | 144,405 |
ISHARES S&P MID CAP 400 GROWTH ETF | S&P MC 400GR ETF | 464287606 | 9,452,913 | 42,277 | SH | | SOLE | | 0 | 0 | 42,277 |
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF | IBOXX INV CP ETF | 464287242 | 9,229,616 | 72,401 | SH | | SOLE | | 0 | 0 | 72,401 |
PIMCO ETF TR ACTIVE BD ETF | ACTIVE BD ETF | 72201R775 | 8,134,383 | 74,696 | SH | | SOLE | | 0 | 0 | 74,696 |
VANGUARD SCOTTSDALE FDS VANGUARD SHORT-TERM CORPORATE BD INDEX FD ETF SHS | SHRT TRM CORP BD | 92206C409 | 6,477,273 | 79,917 | SH | | SOLE | | 0 | 0 | 79,917 |
WELLS FARGO CO NEW COM | PERP PFD CNV A | 949746804 | 5,433,767 | 3,569 | SH | | SOLE | | 0 | 0 | 3,569 |
BANK OF AMERICA CORP | 7.25%CNV PFD L | 060505682 | 5,160,281 | 3,442 | SH | | SOLE | | 0 | 0 | 3,442 |
SPDR GOLD TR GOLD SHS | GOLD SHS | 78463V107 | 4,762,408 | 34,294 | SH | | SOLE | | 0 | 0 | 34,294 |
APPLE INC COM USD0.00001 | COM | 037833100 | 4,664,212 | 20,825 | SH | | SOLE | | 0 | 0 | 20,825 |
AUTOMATIC DATA PROCESSING INC COM USD0.10 | COM | 053015103 | 4,361,084 | 27,017 | SH | | SOLE | | 0 | 0 | 27,017 |
ISHARES S&P MIDCAP 400 VALUE ETF | S&P MC 400VL ETF | 464287705 | 3,677,601 | 23,013 | SH | | SOLE | | 0 | 0 | 23,013 |
ISHARES S&P 500 VALUE ETF | S&P 500 VAL ETF | 464287408 | 3,617,017 | 30,611 | SH | | SOLE | | 0 | 0 | 30,611 |
SPDR INDEX SHS FDS S&P EMERGING ASIA PAC ETF | ASIA PACIF ETF | 78463X301 | 3,142,600 | 33,628 | SH | | SOLE | | 0 | 0 | 33,628 |
JPMORGAN CHASE & CO COM USD1.00 | COM | 46625H100 | 3,071,444 | 26,098 | SH | | SOLE | | 0 | 0 | 26,098 |
PROSHARES TR | SHRT 20+YR TRE | 74347X849 | 2,864,222 | 152,596 | SH | | SOLE | | 0 | 0 | 152,596 |
BANK OF AMERICA CORP | COM | 060505104 | 2,569,205 | 88,077 | SH | | SOLE | | 0 | 0 | 88,077 |
WALMART INC COM | COM | 931142103 | 2,553,710 | 21,518 | SH | | SOLE | | 0 | 0 | 21,518 |
PILGRIMS PRIDE CORP COM USD0.01 | COM | 72147K108 | 2,496,690 | 77,912 | SH | | SOLE | | 0 | 0 | 77,912 |
PULTE GROUP INC COM USD0.01 | COM | 745867101 | 2,353,529 | 64,392 | SH | | SOLE | | 0 | 0 | 64,392 |
CISCO SYS INC COM | COM | 17275R102 | 2,234,417 | 45,222 | SH | | SOLE | | 0 | 0 | 45,222 |
ISHARES S&P 500 GROWTH ETF | S&P 500 GRWT ETF | 464287309 | 2,184,827 | 12,561 | SH | | SOLE | | 0 | 0 | 12,561 |
PACCAR INC COM USD1.00 | COM | 693718108 | 2,018,740 | 28,835 | SH | | SOLE | | 0 | 0 | 28,835 |
AMGEN INC | COM | 031162100 | 1,977,610 | 10,220 | SH | | SOLE | | 0 | 0 | 10,220 |
GENERAL MTRS CO COM | COM | 37045V100 | 1,974,225 | 52,674 | SH | | SOLE | | 0 | 0 | 52,674 |
QUALCOMM INC | COM | 747525103 | 1,967,162 | 25,789 | SH | | SOLE | | 0 | 0 | 25,789 |
SYMANTEC CORP | COM | 871503108 | 1,915,314 | 81,054 | SH | | SOLE | | 0 | 0 | 81,054 |
GENERAL DYNAMICS CORP COM USD1.00 | COM | 369550108 | 1,864,291 | 10,202 | SH | | SOLE | | 0 | 0 | 10,202 |
EXXON MOBIL CORP | COM | 30231G102 | 1,863,159 | 26,387 | SH | | SOLE | | 0 | 0 | 26,387 |
LEAR CORP NEW COM USD0.01 | COM NEW | 521865204 | 1,841,066 | 15,615 | SH | | SOLE | | 0 | 0 | 15,615 |
REGENERON PHARMACEUTICALS | COM | 75886F107 | 1,827,234 | 6,587 | SH | | SOLE | | 0 | 0 | 6,587 |
VALERO ENERGY CORP | COM | 91913Y100 | 1,799,979 | 21,117 | SH | | SOLE | | 0 | 0 | 21,117 |
TEXTRON INC | COM | 883203101 | 1,765,498 | 36,060 | SH | | SOLE | | 0 | 0 | 36,060 |
NUCOR CORP COM USD0.40 | COM | 670346105 | 1,749,753 | 34,370 | SH | | SOLE | | 0 | 0 | 34,370 |
HP INC COM | COM | 40434L105 | 1,746,649 | 92,318 | SH | | SOLE | | 0 | 0 | 92,318 |
GILEAD SCIENCES INC COM USD0.001 | COM | 375558103 | 1,731,290 | 27,316 | SH | | SOLE | | 0 | 0 | 27,316 |
XEROX HOLDINGS CORP COM NEW | COM NEW | 98421M106 | 1,726,219 | 57,714 | SH | | SOLE | | 0 | 0 | 57,714 |
HUMANA INC | COM | 444859102 | 1,718,168 | 6,720 | SH | | SOLE | | 0 | 0 | 6,720 |
STEWARDSHIP FINL CORP COM | COM | 860326107 | 1,655,909 | 106,148 | SH | | SOLE | | 0 | 0 | 106,148 |
BANCO SANTANDER SA ADR EACH 1 REPR 1 ORD EUR0.50 | ADR | 05964H105 | 1,650,687 | 410,619 | SH | | SOLE | | 0 | 0 | 410,619 |
ISHARES S&P SMALLCAP 600 VALUE ETF | SP SMCP600VL ETF | 464287879 | 1,647,847 | 10,977 | SH | | SOLE | | 0 | 0 | 10,977 |
LAZARD LTD SHS A | SHS A | G54050102 | 1,645,053 | 47,002 | SH | | SOLE | | 0 | 0 | 47,002 |
ISHARES TR S&P SMALL CAP 600 GROWTH ETF | S&P SML 600 GWT | 464287887 | 1,318,256 | 7,421 | SH | | SOLE | | 0 | 0 | 7,421 |
ISHARES RUSSELL 1000 GROWTH ETF | RUS 1000 GRW ETF | 464287614 | 646,532 | 4,135 | SH | | SOLE | | 0 | 0 | 4,135 |
ISHARES INC MSCI WORLD ETF | MSCI WORLD ETF | 464286392 | 633,282 | 6,900 | SH | | SOLE | | 0 | 0 | 6,900 |
KEARNY FINL CORP MD COM | COM | 48716P108 | 607,012 | 46,550 | SH | | SOLE | | 0 | 0 | 46,550 |
ISHARES TRUST 1-3 YEAR TREASURY BOND ETF | 1 3 YR TREAS BD | 464287457 | 513,422 | 6,053 | SH | | SOLE | | 0 | 0 | 6,053 |
BANK OF NEW YORK MELLON CORP COM USD0.01 | COM | 064058100 | 497,400 | 11,002 | SH | | SOLE | | 0 | 0 | 11,002 |
BOEING CO COM USD5.00 | COM | 097023105 | 438,713 | 1,153 | SH | | SOLE | | 0 | 0 | 1,153 |
MERCK & CO INC NEW COM | COM | 58933Y105 | 415,344 | 4,934 | SH | | SOLE | | 0 | 0 | 4,934 |
L3HARRIS TECHNOLOGIES INC COM | COM | 502431109 | 379,308 | 1,818 | SH | | SOLE | | 0 | 0 | 1,818 |
CDK GLOBAL INC COM USD0.01 | COM | 12508E101 | 368,946 | 7,672 | SH | | SOLE | | 0 | 0 | 7,672 |
MICROSOFT CORP | COM | 594918104 | 345,211 | 2,483 | SH | | SOLE | | 0 | 0 | 2,483 |
ISHARES MSCI EAFE ETF | MSCI EAFE ETF | 464287465 | 340,631 | 5,192 | SH | | SOLE | | 0 | 0 | 5,192 |
PFIZER INC | COM | 717081103 | 337,994 | 9,407 | SH | | SOLE | | 0 | 0 | 9,407 |
ISHARES INC CORE MSCI EMERGING MKTS ETF | CORE MSCI EMKT | 46434G103 | 324,965 | 6,424 | SH | | SOLE | | 0 | 0 | 6,424 |
VALLEY NATL BANCORP | COM | 919794107 | 316,241 | 29,093 | SH | | SOLE | | 0 | 0 | 29,093 |
AMAZON.COM INC | COM | 023135106 | 293,369 | 169 | SH | | SOLE | | 0 | 0 | 169 |
BROADRIDGE FINANCIAL SOLUTION INC COM USD0.01 | COM | 11133T103 | 280,714 | 2,256 | SH | | SOLE | | 0 | 0 | 2,256 |
GOLDMAN SACHS GROUP INC COM USD0.01 | COM | 38141G104 | 279,139 | 1,347 | SH | | SOLE | | 0 | 0 | 1,347 |
INNOVATOR ETFS TR S&P 500 BUFFER | S&P 500 BUFFER | 45782C789 | 278,773 | 10,661 | SH | | SOLE | | 0 | 0 | 10,661 |
AT&T INC COM USD1 | COM | 00206R102 | 257,047 | 6,793 | SH | | SOLE | | 0 | 0 | 6,793 |
ARES CAPITAL CORP COM STK USD0.001 | COM | 04010L103 | 232,938 | 12,500 | SH | | SOLE | | 0 | 0 | 12,500 |
FIRST TR EXCHANGE TRADED FD III FIRST TR PFD SECS & INCOME ETF | PFD SECS INC ETF | 33739E108 | 231,966 | 11,757 | SH | | SOLE | | 0 | 0 | 11,757 |
HANCOCK JOHN FINL OPPTYS FD SH BEN INT NEW | SH BEN INT NEW | 409735206 | 219,206 | 6,814 | SH | | SOLE | | 0 | 0 | 6,814 |
VERIZON COMMUNICATIONS | COM | 92343V104 | 218,624 | 3,622 | SH | | SOLE | | 0 | 0 | 3,622 |
ISHARES TR 3 7 YR TREAS BD | 3 7 YR TREAS BD | 464288661 | 217,969 | 1,719 | SH | | SOLE | | 0 | 0 | 1,719 |
INTERNATIONAL BUS MACH CORP COM USD0.20 | COM | 459200101 | 216,094 | 1,486 | SH | | SOLE | | 0 | 0 | 1,486 |
NUSHARES ETF TR NUVEEN ESG SMLCP | NUVEEN ESG SMLCP | 67092P607 | 204,960 | 7,000 | SH | | SOLE | | 0 | 0 | 7,000 |
ENERGY TRANSFER LP COM UT LTD PTN | COM UT LTD PTN | 29273V100 | 139,982 | 10,702 | SH | | SOLE | | 0 | 0 | 10,702 |
73 | COM | 98973P101 | 51,167 | 11,955 | SH | | SOLE | | 0 | 0 | 11,955 |
BUILD-A-BEAR WORKSHOP INC COM | COM | 120076104 | 34,650 | 11,000 | SH | | SOLE | | 0 | 0 | 11,000 |