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

OMB APPROVAL

OMB Number:		3235-0006
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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	237	1,833	SH		SOLE		1,833	0	0
ABBOTT LABS	COM	002824100	306	2,819	SH		SOLE		2,819	0	0
ABBVIE INC	COM	00287Y109	1,391	9,080	SH		SOLE		9,080	0	0
ADAMS DIVERSIFIED EQUITY FD	COM	006212104	217	14,150	SH		SOLE		14,150	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	266	727	SH		SOLE		727	0	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	573	5,042	SH		SOLE		5,042	0	0
ALPHABET INC	CAP STK CL C	02079K107	3,246	1,484	SH		SOLE		1,484	0	0
ALPHABET INC	CAP STK CL A	02079K305	7,126	3,270	SH		SOLE		3,270	0	0
ALTRIA GROUP INC	COM	02209S103	235	5,626	SH		SOLE		5,626	0	0
AMAZON COM INC	COM	023135106	14,973	140,972	SH		SOLE		140,972	0	0
AMERICAN CENTY ETF TR	SUSTAINABLE EQTY	025072752	202	4,355	SH		SOLE		4,355	0	0
AMERICAN CENTY ETF TR	US EQT ETF	025072885	203	3,121	SH		SOLE		3,121	0	0
AMERICAN CENTY ETF TR	DIVERSIFIED MU	025072505	443	8,890	SH		SOLE		8,890	0	0
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	459	6,718	SH		SOLE		6,718	0	0
AMERICAN INTL GROUP INC	COM NEW	026874784	257	5,026	SH		SOLE		5,026	0	0
AMGEN INC	COM	031162100	403	1,655	SH		SOLE		1,655	0	0
APPLE INC	COM	037833100	27,017	197,608	SH		SOLE		197,608	0	0
AT&T INC	COM	00206R102	579	27,615	SH		SOLE		27,615	0	0
AUDACY INC	CL A	05070N103	25	27,025	SH		SOLE		27,025	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	339	1,613	SH		SOLE		1,613	0	0
BECTON DICKINSON & CO	COM	075887109	232	943	SH		SOLE		943	0	0
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	818	2	SH		SOLE		2	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,537	9,291	SH		SOLE		9,291	0	0
BK OF AMERICA CORP	COM	060505104	1,145	36,778	SH		SOLE		36,778	0	0
BLACKROCK INC	COM	09247X101	314	515	SH		SOLE		515	0	0
BLACKSTONE INC	COM	09260D107	352	3,853	SH		SOLE		3,853	0	0
BLUE OWL CAPITAL INC	COM CL A	09581B103	140	14,000	SH		SOLE		14,000	0	0
BOEING CO	COM	097023105	729	5,332	SH		SOLE		5,332	0	0
BP PLC	SPONSORED ADR	055622104	216	7,634	SH		SOLE		7,634	0	0
BROADCOM INC	COM	11135F101	959	1,973	SH		SOLE		1,973	0	0
BROOKFIELD ASSET MGMT INC	CL A LTD VT SH	112585104	677	15,226	SH		SOLE		15,226	0	0
CATERPILLAR INC	COM	149123101	685	3,832	SH		SOLE		3,832	0	0
CHEVRON CORP NEW	COM	166764100	1,573	10,867	SH		SOLE		10,867	0	0
CISCO SYS INC	COM	17275R102	460	10,799	SH		SOLE		10,799	0	0
CITIZENS FINL GROUP INC	COM	174610105	226	6,340	SH		SOLE		6,340	0	0
COCA COLA CO	COM	191216100	767	12,187	SH		SOLE		12,187	0	0
COMCAST CORP NEW	CL A	20030N101	960	24,471	SH		SOLE		24,471	0	0
CONOCOPHILLIPS	COM	20825C104	393	4,374	SH		SOLE		4,374	0	0
COSTCO WHSL CORP NEW	COM	22160K105	633	1,320	SH		SOLE		1,320	0	0
CVS HEALTH CORP	COM	126650100	669	7,218	SH		SOLE		7,218	0	0
DANAHER CORPORATION	COM	235851102	301	1,189	SH		SOLE		1,189	0	0
DEERE & CO	COM	244199105	656	2,191	SH		SOLE		2,191	0	0
DEVON ENERGY CORP NEW	COM	25179M103	201	3,644	SH		SOLE		3,644	0	0
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	220	6,976	SH		SOLE		6,976	0	0
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	371	7,720	SH		SOLE		7,720	0	0
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	587	25,195	SH		SOLE		25,195	0	0
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	682	16,746	SH		SOLE		16,746	0	0
DISNEY WALT CO	COM	254687106	1,583	16,774	SH		SOLE		16,774	0	0
DNP SELECT INCOME FD INC	COM	23325P104	336	31,033	SH		SOLE		31,033	0	0
DOMINION ENERGY INC	COM	25746U109	394	4,941	SH		SOLE		4,941	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	375	3,502	SH		SOLE		3,502	0	0
EATON CORP PLC	SHS	G29183103	333	2,641	SH		SOLE		2,641	0	0
EXELON CORP	COM	30161N101	363	8,010	SH		SOLE		8,010	0	0
EXTRA SPACE STORAGE INC	COM	30225T102	255	1,500	SH		SOLE		1,500	0	0
EXXON MOBIL CORP	COM	30231G102	2,331	27,223	SH		SOLE		27,223	0	0
FEDEX CORP	COM	31428X106	456	2,011	SH		SOLE		2,011	0	0
FIDELITY COMWLTH TR	NASDAQ COMPSIT	315912808	1,469	34,035	SH		SOLE		34,035	0	0
FIDELITY COVINGTON TRUST	BLUE CHIP GRWTH	316092352	251	11,565	SH		SOLE		11,565	0	0
FIDELITY COVINGTON TRUST	DIVID ETF RISI	316092832	386	10,004	SH		SOLE		10,004	0	0
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	500	29,028	SH		SOLE		29,028	0	0
FISERV INC	COM	337738108	253	2,843	SH		SOLE		2,843	0	0
FORD MTR CO DEL	COM	345370860	375	33,694	SH		SOLE		33,694	0	0
GENERAL DYNAMICS CORP	COM	369550108	206	931	SH		SOLE		931	0	0
GENERAL MLS INC	COM	370334104	281	3,731	SH		SOLE		3,731	0	0
GOLDMAN SACHS GROUP INC	COM	38141G104	306	1,029	SH		SOLE		1,029	0	0
HOME DEPOT INC	COM	437076102	4,315	15,731	SH		SOLE		15,731	0	0
HONEYWELL INTL INC	COM	438516106	789	4,539	SH		SOLE		4,539	0	0
INNOVATOR ETFS TR	US EQTY BUF OCT	45782C771	221	7,260	SH		SOLE		7,260	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C748	329	11,300	SH		SOLE		11,300	0	0
INNOVATOR ETFS TR	GRWT100 PWR BF	45782C466	362	10,253	SH		SOLE		10,253	0	0
INNOVATOR ETFS TR	US EQT PWR BUF	45782C870	415	15,360	SH		SOLE		15,360	0	0
INNOVATOR ETFS TR	US EQTY ULTRA BU	45782C565	533	19,485	SH		SOLE		19,485	0	0
INNOVATOR ETFS TR	US EQTY BUF NOV	45782C581	608	21,200	SH		SOLE		21,200	0	0
INNOVATOR ETFS TR	US EQTY BUFR JAN	45782C409	696	21,650	SH		SOLE		21,650	0	0
INNOVATOR ETFS TR	US EQTY BUF DEC	45782C557	761	24,990	SH		SOLE		24,990	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C797	1,026	36,565	SH		SOLE		36,565	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C508	1,139	37,930	SH		SOLE		37,930	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C540	1,373	47,732	SH		SOLE		47,732	0	0
INNOVATOR ETFS TR	US EQTY PWR BUF	45782C573	2,110	74,530	SH		SOLE		74,530	0	0
INNOVATOR ETFS TR	US EQT ULTRA BF	45782C300	4,839	166,181	SH		SOLE		166,181	0	0
INTEL CORP	COM	458140100	492	13,143	SH		SOLE		13,143	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	522	3,694	SH		SOLE		3,694	0	0
INVESCO EXCH TRADED FD TR II	PFD ETF	46138E511	130	10,499	SH		SOLE		10,499	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	322	5,195	SH		SOLE		5,195	0	0
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	438	2,954	SH		SOLE		2,954	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL HLT	46137V332	776	2,898	SH		SOLE		2,898	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	1,391	10,361	SH		SOLE		10,361	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	9,258	33,032	SH		SOLE		33,032	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	201	5,019	SH		SOLE		5,019	0	0
ISHARES TR	RUS MD CP GR ETF	464287481	204	2,580	SH		SOLE		2,580	0	0
ISHARES TR	EAFE GRWTH ETF	464288885	209	2,601	SH		SOLE		2,601	0	0
ISHARES TR	MSCI CHINA ETF	46429B671	212	3,800	SH		SOLE		3,800	0	0
ISHARES TR	RUS MID CAP ETF	464287499	222	3,432	SH		SOLE		3,432	0	0
ISHARES TR	MSCI KLD400 SOC	464288570	233	3,234	SH		SOLE		3,234	0	0
ISHARES TR	EAFE VALUE ETF	464288877	234	5,387	SH		SOLE		5,387	0	0
ISHARES TR	CORE S&P TTL STK	464287150	260	3,108	SH		SOLE		3,108	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	268	2,834	SH		SOLE		2,834	0	0
ISHARES TR	US AER DEF ETF	464288760	385	3,884	SH		SOLE		3,884	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	417	6,550	SH		SOLE		6,550	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	494	2,918	SH		SOLE		2,918	0	0
ISHARES TR	SELECT DIVID ETF	464287168	499	4,237	SH		SOLE		4,237	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	604	4,164	SH		SOLE		4,164	0	0
ISHARES TR	MSCI USA MMENTM	46432F396	620	4,545	SH		SOLE		4,545	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	716	6,734	SH		SOLE		6,734	0	0
ISHARES TR	CORE DIV GRWTH	46434V621	879	18,452	SH		SOLE		18,452	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	881	14,975	SH		SOLE		14,975	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	918	11,088	SH		SOLE		11,088	0	0
ISHARES TR	CORE US AGGBD ET	464287226	1,112	10,932	SH		SOLE		10,932	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	1,270	5,805	SH		SOLE		5,805	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	2,348	25,411	SH		SOLE		25,411	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	2,984	29,708	SH		SOLE		29,708	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	3,684	16,284	SH		SOLE		16,284	0	0
ISHARES TR	CORE S&P500 ETF	464287200	7,656	20,192	SH		SOLE		20,192	0	0
J P MORGAN EXCHANGE TRADED F	US AGGREGATE ETF	46641Q241	499	10,410	SH		SOLE		10,410	0	0
JANUS DETROIT STR TR	HENDRSN SHRT ETF	47103U886	424	8,725	SH		SOLE		8,725	0	0
JOHNSON & JOHNSON	COM	478160104	2,244	12,640	SH		SOLE		12,640	0	0
JPMORGAN CHASE & CO	COM	46625H100	936	8,315	SH		SOLE		8,315	0	0
LILLY ELI & CO	COM	532457108	1,420	4,380	SH		SOLE		4,380	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,033	2,403	SH		SOLE		2,403	0	0
LOWES COS INC	COM	548661107	555	3,178	SH		SOLE		3,178	0	0
MARKER THERAPEUTICS INC	COM	57055L107	4	11,500	SH		SOLE		11,500	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	2,307	7,312	SH		SOLE		7,312	0	0
MATINAS BIOPHARMA HLDGS INC	COM	576810105	8	10,000	SH		SOLE		10,000	0	0
MCDONALDS CORP	COM	580135101	1,275	5,166	SH		SOLE		5,166	0	0
MEDICAL PPTYS TRUST INC	COM	58463J304	191	12,493	SH		SOLE		12,493	0	0
MERCK & CO INC	COM	58933Y105	1,312	14,388	SH		SOLE		14,388	0	0
META PLATFORMS INC	CL A	30303M102	2,233	13,847	SH		SOLE		13,847	0	0
MICROSOFT CORP	COM	594918104	10,222	39,799	SH		SOLE		39,799	0	0
NETFLIX INC	COM	64110L106	384	2,197	SH		SOLE		2,197	0	0
NEXTERA ENERGY INC	COM	65339F101	2,028	26,180	SH		SOLE		26,180	0	0
NORTHROP GRUMMAN CORP	COM	666807102	201	421	SH		SOLE		421	0	0
NVIDIA CORPORATION	COM	67066G104	1,292	8,525	SH		SOLE		8,525	0	0
OCEANFIRST FINL CORP	COM	675234108	473	24,734	SH		SOLE		24,734	0	0
PAYCHEX INC	COM	704326107	652	5,729	SH		SOLE		5,729	0	0
PAYPAL HLDGS INC	COM	70450Y103	407	5,825	SH		SOLE		5,825	0	0
PEPSICO INC	COM	713448108	1,170	7,018	SH		SOLE		7,018	0	0
PFIZER INC	COM	717081103	1,284	24,482	SH		SOLE		24,482	0	0
PHILIP MORRIS INTL INC	COM	718172109	412	4,169	SH		SOLE		4,169	0	0
PNC FINL SVCS GROUP INC	COM	693475105	227	1,442	SH		SOLE		1,442	0	0
PPL CORP	COM	69351T106	825	30,409	SH		SOLE		30,409	0	0
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	200	3,000	SH		SOLE		3,000	0	0
PROCTER AND GAMBLE CO	COM	742718109	1,476	10,262	SH		SOLE		10,262	0	0
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	223	3,525	SH		SOLE		3,525	0	0
QUALCOMM INC	COM	747525103	1,158	9,064	SH		SOLE		9,064	0	0
QUALIGEN THERAPEUTICS INC	COM	74754R103	11	19,957	SH		SOLE		19,957	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	252	2,626	SH		SOLE		2,626	0	0
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	203	4,245	SH		SOLE		4,245	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	222	4,519	SH		SOLE		4,519	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	286	4,575	SH		SOLE		4,575	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	1,293	41,107	SH		SOLE		41,107	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	1,596	40,930	SH		SOLE		40,930	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	2,077	33,112	SH		SOLE		33,112	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	2,723	61,612	SH		SOLE		61,612	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	9,893	170,598	SH		SOLE		170,598	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	15,519	216,656	SH		SOLE		216,656	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	233	2,672	SH		SOLE		2,672	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	330	2,598	SH		SOLE		2,598	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	378	5,290	SH		SOLE		5,290	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	388	12,328	SH		SOLE		12,328	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	434	3,387	SH		SOLE		3,387	0	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	709	10,115	SH		SOLE		10,115	0	0
SHELL PLC	SPON ADS	780259305	222	4,255	SH		SOLE		4,255	0	0
SOUTH JERSEY INDS INC	COM	838518108	726	21,255	SH		SOLE		21,255	0	0
SOUTHERN CO	COM	842587107	231	3,237	SH		SOLE		3,237	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	901	2,928	SH		SOLE		2,928	0	0
SPDR GOLD TR	GOLD SHS	78463V107	723	4,290	SH		SOLE		4,290	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	3,850	10,205	SH		SOLE		10,205	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	285	689	SH		SOLE		689	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	14,641	123,355	SH		SOLE		123,355	0	0
STARBUCKS CORP	COM	855244109	211	2,763	SH		SOLE		2,763	0	0
TARGET CORP	COM	87612E106	238	1,685	SH		SOLE		1,685	0	0
TESLA INC	COM	88160R101	1,874	2,783	SH		SOLE		2,783	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	612	9,339	SH		SOLE		9,339	0	0
TRAVELERS COMPANIES INC	COM	89417E109	207	1,224	SH		SOLE		1,224	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	969	5,311	SH		SOLE		5,311	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	1,572	3,060	SH		SOLE		3,060	0	0
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	305	1,994	SH		SOLE		1,994	0	0
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	1,439	8,463	SH		SOLE		8,463	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	289	3,841	SH		SOLE		3,841	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	348	4,528	SH		SOLE		4,528	0	0
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	553	11,234	SH		SOLE		11,234	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	464	1,338	SH		SOLE		1,338	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	806	3,615	SH		SOLE		3,615	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	960	5,091	SH		SOLE		5,091	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	1,017	7,715	SH		SOLE		7,715	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,034	11,352	SH		SOLE		11,352	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	2,616	13,280	SH		SOLE		13,280	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	7,358	41,782	SH		SOLE		41,782	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	204	4,085	SH		SOLE		4,085	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	303	3,971	SH		SOLE		3,971	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,485	18,557	SH		SOLE		18,557	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	14,084	98,163	SH		SOLE		98,163	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	418	8,103	SH		SOLE		8,103	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	649	6,384	SH		SOLE		6,384	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	825	2,527	SH		SOLE		2,527	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	1,200	5,094	SH		SOLE		5,094	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	821	16,183	SH		SOLE		16,183	0	0
VISA INC	COM CL A	92826C839	3,438	17,460	SH		SOLE		17,460	0	0
WALMART INC	COM	931142103	587	4,824	SH		SOLE		4,824	0	0
WEC ENERGY GROUP INC	COM	92939U106	305	3,030	SH		SOLE		3,030	0	0
WISDOMTREE TR	US LARGECAP DIVD	97717W307	1,053	17,822	SH		SOLE		17,822	0	0
WISDOMTREE TR	US QTLY DIV GRT	97717X669	1,277	22,279	SH		SOLE		22,279	0	0
XCEL ENERGY INC	COM	98389B100	282	3,984	SH		SOLE		3,984	0	0