CRA Financial Services 13F-HR Quarterly holdings report by institutional manager

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
3M CO	COM	88579Y101	423	3,098	SH		SOLE		3,098	0	0
ABBVIE INC	COM	00287Y109	409	5,373	SH		SOLE		5,373	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	1,624	8,352	SH		SOLE		8,352	0	0
ALPHABET INC	CAP STK CL A	02079K305	3,241	2,789	SH		SOLE		2,789	0	0
ALPHABET INC	CAP STK CL C	02079K107	1,472	1,266	SH		SOLE		1,266	0	0
ALTRIA GROUP INC	COM	02209S103	711	18,376	SH		SOLE		18,376	0	0
AMAZON COM INC	COM	023135106	11,236	5,763	SH		SOLE		5,763	0	0
AMGEN INC	COM	031162100	218	1,076	SH		SOLE		1,076	0	0
APPLE INC	COM	037833100	11,923	46,889	SH		SOLE		46,889	0	0
AT&T INC	COM	00206R102	1,202	41,248	SH		SOLE		41,248	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,645	8,996	SH		SOLE		8,996	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	816	3	SH		SOLE		3	0	0
BK OF AMERICA CORP	COM	060505104	886	41,747	SH		SOLE		41,747	0	0
BOEING CO	COM	097023105	705	4,729	SH		SOLE		4,729	0	0
BP PLC	SPONSORED ADR	055622104	218	8,955	SH		SOLE		8,955	0	0
BROADCOM INC	COM	11135F101	430	1,814	SH		SOLE		1,814	0	0
BROOKFIELD ASSET MGMT INC	CL A LTD VT SH	112585104	443	10,000	SH		SOLE		10,000	0	0
CATERPILLAR INC DEL	COM	149123101	495	4,262	SH		SOLE		4,262	0	0
CHEVRON CORP NEW	COM	166764100	1,237	17,074	SH		SOLE		17,074	0	0
CISCO SYS INC	COM	17275R102	361	9,175	SH		SOLE		9,175	0	0
COCA COLA CO	COM	191216100	627	14,168	SH		SOLE		14,168	0	0
COMCAST CORP NEW	CL A	20030N101	558	16,229	SH		SOLE		16,229	0	0
CONOCOPHILLIPS	COM	20825C104	249	8,097	SH		SOLE		8,097	0	0
CVS HEALTH CORP	COM	126650100	359	6,044	SH		SOLE		6,044	0	0
DEERE & CO	COM	244199105	309	2,235	SH		SOLE		2,235	0	0
DISNEY WALT CO	COM DISNEY	254687106	1,393	14,425	SH		SOLE		14,425	0	0
DOMINION ENERGY INC	COM	25746U109	344	4,765	SH		SOLE		4,765	0	0
EXXON MOBIL CORP	COM	30231G102	1,275	33,586	SH		SOLE		33,586	0	0
FACEBOOK INC	CL A	30303M102	1,871	11,217	SH		SOLE		11,217	0	0
FIDELITY COMWLTH TR	NDQ CP IDX TRK	315912808	1,036	3,471	SH		SOLE		3,471	0	0
FIDELITY COVINGTON TR	MSCI ENERGY IDX	316092402	110	14,675	SH		SOLE		14,675	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	601	36,660	SH		SOLE		36,660	0	0
FISERV INC	COM	337738108	265	2,794	SH		SOLE		2,794	0	0
FORD MTR CO DEL	COM	345370860	157	32,471	SH		SOLE		32,471	0	0
FORD MTR CO DEL	COM	345370860	1	2,500	SH	Call	SOLE		0	0	2,500
GENERAL ELECTRIC CO	COM	369604103	166	20,895	SH		SOLE		20,895	0	0
HOME DEPOT INC	COM	437076102	2,033	10,887	SH		SOLE		10,887	0	0
HONEYWELL INTL INC	COM	438516106	655	4,893	SH		SOLE		4,893	0	0
INTEL CORP	COM	458140100	638	11,792	SH		SOLE		11,792	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	605	5,457	SH		SOLE		5,457	0	0
INTL PAPER CO	COM	460146103	382	12,268	SH		SOLE		12,268	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	503	5,981	SH		SOLE		5,981	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	324	3,504	SH		SOLE		3,504	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL HLT	46137V332	577	3,052	SH		SOLE		3,052	0	0
INVESCO EXCHANGE-TRADED FD T	PFD ETF	46138E511	132	10,000	SH		SOLE		10,000	0	0
INVESCO EXCHANGE-TRADED FD T	S&P500 LOW VOL	46138E354	293	6,250	SH		SOLE		6,250	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	3,982	20,915	SH		SOLE		20,915	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	2,817	19,578	SH		SOLE		19,578	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	345	1,935	SH		SOLE		1,935	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	2,445	43,570	SH		SOLE		43,570	0	0
ISHARES TR	CORE S&P500 ETF	464287200	3,522	13,628	SH		SOLE		13,628	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	371	2,245	SH		SOLE		2,245	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	262	2,637	SH		SOLE		2,637	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	649	4,306	SH		SOLE		4,306	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	282	2,460	SH		SOLE		2,460	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	222	1,800	SH		SOLE		1,800	0	0
ISHARES TR	CORE US AGGBD ET	464287226	440	3,817	SH		SOLE		3,817	0	0
ISHARES TR	SELECT DIVID ETF	464287168	246	3,345	SH		SOLE		3,345	0	0
ISHARES TR	EAFE VALUE ETF	464288877	230	6,456	SH		SOLE		6,456	0	0
ISHARES TR	US AER DEF ETF	464288760	407	2,828	SH		SOLE		2,828	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	224	2,304	SH		SOLE		2,304	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	244	2,156	SH		SOLE		2,156	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	2,331	32,574	SH		SOLE		32,574	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	453	9,083	SH		SOLE		9,083	0	0
ISHARES TR	USA MOMENTUM FCT	46432F396	514	4,825	SH		SOLE		4,825	0	0
ISHARES TR	CORE DIV GRWTH	46434V621	604	18,532	SH		SOLE		18,532	0	0
JOHNSON & JOHNSON	COM	478160104	1,054	8,040	SH		SOLE		8,040	0	0
JPMORGAN CHASE & CO	COM	46625H100	523	5,807	SH		SOLE		5,807	0	0
LILLY ELI & CO	COM	532457108	591	4,262	SH		SOLE		4,262	0	0
LOCKHEED MARTIN CORP	COM	539830109	857	2,529	SH		SOLE		2,529	0	0
MASTERCARD INC	CL A	57636Q104	1,635	6,767	SH		SOLE		6,767	0	0
MATINAS BIOPHARMA HLDGS INC	COM	576810105	6	10,000	SH		SOLE		10,000	0	0
MCDONALDS CORP	COM	580135101	552	3,338	SH		SOLE		3,338	0	0
MERCK & CO. INC	COM	58933Y105	540	7,022	SH		SOLE		7,022	0	0
MICROSOFT CORP	COM	594918104	7,582	48,073	SH		SOLE		48,073	0	0
NETFLIX INC	COM	64110L106	587	1,563	SH		SOLE		1,563	0	0
NEW YORK MTG TR INC	COM PAR $.02	649604501	33	21,100	SH		SOLE		21,100	0	0
NEXTERA ENERGY INC	COM	65339F101	1,470	6,107	SH		SOLE		6,107	0	0
NVIDIA CORP	COM	67066G104	356	1,350	SH		SOLE		1,350	0	0
OCEANFIRST FINL CORP	COM	675234108	318	19,959	SH		SOLE		19,959	0	0
PAYCHEX INC	COM	704326107	382	6,072	SH		SOLE		6,072	0	0
PEPSICO INC	COM	713448108	734	6,114	SH		SOLE		6,114	0	0
PFIZER INC	COM	717081103	382	11,694	SH		SOLE		11,694	0	0
PHILIP MORRIS INTL INC	COM	718172109	465	6,373	SH		SOLE		6,373	0	0
PNC FINL SVCS GROUP INC	COM	693475105	214	2,234	SH		SOLE		2,234	0	0
PPL CORP	COM	69351T106	862	34,941	SH		SOLE		34,941	0	0
PROCTER & GAMBLE CO	COM	742718109	1,324	12,041	SH		SOLE		12,041	0	0
QUALCOMM INC	COM	747525103	578	8,538	SH		SOLE		8,538	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,560	25,822	SH		SOLE		25,822	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	570	22,050	SH		SOLE		22,050	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	639	12,396	SH		SOLE		12,396	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	4,795	60,206	SH		SOLE		60,206	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	627	12,130	SH		SOLE		12,130	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	324	5,637	SH		SOLE		5,637	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	862	20,446	SH		SOLE		20,446	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	264	4,864	SH		SOLE		4,864	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	4,256	94,614	SH		SOLE		94,614	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	669	12,065	SH		SOLE		12,065	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	224	2,790	SH		SOLE		2,790	0	0
SOUTH JERSEY INDS INC	COM	838518108	306	12,241	SH		SOLE		12,241	0	0
SPDR DOW JONES INDL AVRG ETF	UT SER 1	78467X109	991	4,522	SH		SOLE		4,522	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,178	8,449	SH		SOLE		8,449	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	202	768	SH		SOLE		768	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	10,300	128,971	SH		SOLE		128,971	0	0
STARBUCKS CORP	COM	855244109	216	3,286	SH		SOLE		3,286	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	667	15,732	SH		SOLE		15,732	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	356	3,810	SH		SOLE		3,810	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	819	3,286	SH		SOLE		3,286	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	939	9,161	SH		SOLE		9,161	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,677	19,647	SH		SOLE		19,647	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	629	4,882	SH		SOLE		4,882	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	620	6,962	SH		SOLE		6,962	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	1,220	9,267	SH		SOLE		9,267	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,179	16,875	SH		SOLE		16,875	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	5,111	44,277	SH		SOLE		44,277	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	503	3,210	SH		SOLE		3,210	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,032	23,332	SH		SOLE		23,332	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	8,202	79,329	SH		SOLE		79,329	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	353	8,421	SH		SOLE		8,421	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	520	7,351	SH		SOLE		7,351	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	869	5,230	SH		SOLE		5,230	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	528	2,493	SH		SOLE		2,493	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	556	10,357	SH		SOLE		10,357	0	0
VISA INC	COM CL A	92826C839	2,573	15,968	SH		SOLE		15,968	0	0
WALMART INC	COM	931142103	374	3,291	SH		SOLE		3,291	0	0
WEC ENERGY GROUP INC	COM	92939U106	268	3,039	SH		SOLE		3,039	0	0
WISDOMTREE TR	EUROPE HEDGED EQ	97717X701	233	4,554	SH		SOLE		4,554	0	0
XCEL ENERGY INC	COM	98389B100	240	3,984	SH		SOLE		3,984	0	0