# EDGAR Filing Document

**Accession Number:** 0001765594
**File Stem:** 0001765594-23-000001
**Filing Date:** 2023-1
**Character Count:** 23773
**Document Hash:** e5dcf5b83db7a5671511e4e47ab86714
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001765594-23-000001.hdr.sgml**: 20230124

**ACCESSION NUMBER**: 0001765594-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230124

**DATE AS OF CHANGE**: 20230124

**EFFECTIVENESS DATE**: 20230124

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CRA Financial Services, LLC
- **CENTRAL INDEX KEY:** 0001765594
- **IRS NUMBER:** 223672834
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19056
- **FILM NUMBER:** 23547697

**BUSINESS ADDRESS:**
- **STREET 1:** 332 TILTON ROAD
- **CITY:** NORTHFIELD
- **STATE:** NJ
- **ZIP:** 08225
- **BUSINESS PHONE:** 609-380-3500

**MAIL ADDRESS:**
- **STREET 1:** 332 TILTON ROAD
- **CITY:** NORTHFIELD
- **STATE:** NJ
- **ZIP:** 08225

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** CRA Financial Services LLC<br>**Address:** 332 TILTON ROAD<br>NORTHFIELD, NJ 08225

**Form 13F File Number:** 028-19056

**CRD Number (if applicable):** 000124004

**SEC File Number (if applicable):** 801-62232

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Donna Savastani<br>**Title:** Chief Compliance Officer<br>**Phone:** (609) 380-3500

**Signature, Place, and Date of Signing:**

Donna Savastani  Northfield, NJ  01-24-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 204

**Form 13F Information Table Value Total:** $305535723

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 |  | 346442 | 3155 | SH |  | SOLE |  | 3155 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 1388743 | 8593 | SH |  | SOLE |  | 8593 | 0 | 0 |
| ADAMS DIVERSIFIED EQUITY FD | COM | 006212104 |  | 205741 | 14150 | SH |  | SOLE |  | 14150 | 0 | 0 |
| ADOBE SYSTEMS INCORPORATED | COM | 00724F101 |  | 206293 | 613 | SH |  | SOLE |  | 613 | 0 | 0 |
| ALIBABA GROUP HLDG LTD | SPONSORED ADS | 01609W102 |  | 220930 | 2508 | SH |  | SOLE |  | 2508 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 2511334 | 28303 | SH |  | SOLE |  | 28303 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 5766272 | 65355 | SH |  | SOLE |  | 65355 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 222901 | 4876 | SH |  | SOLE |  | 4876 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 11721780 | 139545 | SH |  | SOLE |  | 139545 | 0 | 0 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 1013146 | 13597 | SH |  | SOLE |  | 13597 | 0 | 0 |
| AMERICAN CENTY ETF TR | DIVERSIFIED MU | 025072505 |  | 480542 | 9821 | SH |  | SOLE |  | 9821 | 0 | 0 |
| AMERICAN CENTY ETF TR | SUSTAINABLE EQTY | 025072752 |  | 219101 | 4550 | SH |  | SOLE |  | 4550 | 0 | 0 |
| AMERICAN INTL GROUP INC | COM NEW | 026874784 |  | 317844 | 5026 | SH |  | SOLE |  | 5026 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 378990 | 1443 | SH |  | SOLE |  | 1443 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 26722463 | 205668 | SH |  | SOLE |  | 205668 | 0 | 0 |
| APPLIED MATLS INC | COM | 038222105 |  | 213554 | 2193 | SH |  | SOLE |  | 2193 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 320651 | 17417 | SH |  | SOLE |  | 17417 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 377399 | 1580 | SH |  | SOLE |  | 1580 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 1258115 | 37987 | SH |  | SOLE |  | 37987 | 0 | 0 |
| BECTON DICKINSON  CO | COM | 075887109 |  | 220676 | 868 | SH |  | SOLE |  | 868 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 937422 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 2869063 | 9288 | SH |  | SOLE |  | 9288 | 0 | 0 |
| BLACKROCK INC | COM | 09247X101 |  | 284161 | 401 | SH |  | SOLE |  | 401 | 0 | 0 |
| BLACKSTONE INC | COM | 09260D107 |  | 228134 | 3075 | SH |  | SOLE |  | 3075 | 0 | 0 |
| BLUE OWL CAPITAL INC | COM CL A | 09581B103 |  | 148400 | 14000 | SH |  | SOLE |  | 14000 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 940987 | 4940 | SH |  | SOLE |  | 4940 | 0 | 0 |
| BP PLC | SPONSORED ADR | 055622104 |  | 276265 | 7909 | SH |  | SOLE |  | 7909 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1124410 | 2011 | SH |  | SOLE |  | 2011 | 0 | 0 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 479010 | 15226 | SH |  | SOLE |  | 15226 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 917994 | 3832 | SH |  | SOLE |  | 3832 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2079467 | 11585 | SH |  | SOLE |  | 11585 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 510510 | 10716 | SH |  | SOLE |  | 10716 | 0 | 0 |
| CITIZENS FINL GROUP INC | COM | 174610105 |  | 273228 | 6940 | SH |  | SOLE |  | 6940 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 784095 | 12327 | SH |  | SOLE |  | 12327 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 675516 | 19317 | SH |  | SOLE |  | 19317 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 519922 | 4406 | SH |  | SOLE |  | 4406 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 590255 | 1293 | SH |  | SOLE |  | 1293 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 664783 | 7134 | SH |  | SOLE |  | 7134 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 358052 | 1349 | SH |  | SOLE |  | 1349 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 862800 | 2012 | SH |  | SOLE |  | 2012 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 696801 | 16746 | SH |  | SOLE |  | 16746 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 611735 | 25195 | SH |  | SOLE |  | 25195 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 394878 | 7720 | SH |  | SOLE |  | 7720 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 277080 | 8276 | SH |  | SOLE |  | 8276 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 1470249 | 16923 | SH |  | SOLE |  | 16923 | 0 | 0 |
| DNP SELECT INCOME FD INC | COM | 23325P104 |  | 350244 | 31133 | SH |  | SOLE |  | 31133 | 0 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 319109 | 5204 | SH |  | SOLE |  | 5204 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 358378 | 3480 | SH |  | SOLE |  | 3480 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 414505 | 2641 | SH |  | SOLE |  | 2641 | 0 | 0 |
| EXELON CORP | COM | 30161N101 |  | 300665 | 6955 | SH |  | SOLE |  | 6955 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2851005 | 25848 | SH |  | SOLE |  | 25848 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 315675 | 1823 | SH |  | SOLE |  | 1823 | 0 | 0 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 1350040 | 32952 | SH |  | SOLE |  | 32952 | 0 | 0 |
| FIDELITY COVINGTON TRUST | DIVID ETF RISI | 316092832 |  | 391830 | 9833 | SH |  | SOLE |  | 9833 | 0 | 0 |
| FIDELITY COVINGTON TRUST | MSCI ENERGY IDX | 316092402 |  | 215752 | 9050 | SH |  | SOLE |  | 9050 | 0 | 0 |
| FISERV INC | COM | 337738108 |  | 287342 | 2843 | SH |  | SOLE |  | 2843 | 0 | 0 |
| FORD MTR CO DEL | COM | 345370860 |  | 414973 | 35681 | SH |  | SOLE |  | 35681 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 232231 | 936 | SH |  | SOLE |  | 936 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 294342 | 3510 | SH |  | SOLE |  | 3510 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 278193 | 810 | SH |  | SOLE |  | 810 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 5012609 | 15870 | SH |  | SOLE |  | 15870 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1049213 | 4896 | SH |  | SOLE |  | 4896 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C508 |  | 1830101 | 58080 | SH |  | SOLE |  | 58080 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY BUFR JAN | 45782C409 |  | 586262 | 17744 | SH |  | SOLE |  | 17744 | 0 | 0 |
| INNOVATOR ETFS TR | US EQT ULTRA BF | 45782C300 |  | 2417235 | 81361 | SH |  | SOLE |  | 81361 | 0 | 0 |
| INNOVATOR ETFS TR | US EQT PWR BUF | 45782C870 |  | 431171 | 15360 | SH |  | SOLE |  | 15360 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C748 |  | 479370 | 16125 | SH |  | SOLE |  | 16125 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BF | 45782C680 |  | 368125 | 12985 | SH |  | SOLE |  | 12985 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C656 |  | 201989 | 6905 | SH |  | SOLE |  | 6905 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY BUF OCT | 45782C771 |  | 211522 | 6660 | SH |  | SOLE |  | 6660 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C797 |  | 1014682 | 33744 | SH |  | SOLE |  | 33744 | 0 | 0 |
| INNOVATOR ETFS TR | GRWT100 PWR BUF | 45782C615 |  | 409005 | 11669 | SH |  | SOLE |  | 11669 | 0 | 0 |
| INNOVATOR ETFS TR | US SML CP PWR B | 45782C599 |  | 229078 | 9075 | SH |  | SOLE |  | 9075 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY BUF NOV | 45782C581 |  | 696154 | 23380 | SH |  | SOLE |  | 23380 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C573 |  | 4056268 | 134358 | SH |  | SOLE |  | 134358 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY ULTRA BU | 45782C565 |  | 525801 | 18975 | SH |  | SOLE |  | 18975 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY PWR BUF | 45782C540 |  | 2323559 | 77737 | SH |  | SOLE |  | 77737 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY BUF DEC | 45782C557 |  | 682591 | 21390 | SH |  | SOLE |  | 21390 | 0 | 0 |
| INNOVATOR ETFS TR | GRWT100 PWR BF | 45782C466 |  | 291264 | 8450 | SH |  | SOLE |  | 8450 | 0 | 0 |
| INNOVATOR ETFS TR | GRWT100 PWR BUF | 45782C276 |  | 279606 | 6572 | SH |  | SOLE |  | 6572 | 0 | 0 |
| INNOVATOR ETFS TR | DEFINED WLT SHLD | 45783Y855 |  | 2122041 | 79812 | SH |  | SOLE |  | 79812 | 0 | 0 |
| INNOVATOR ETFS TR | US EQTY ACCELRT9 | 45783Y848 |  | 736871 | 31754 | SH |  | SOLE |  | 31754 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 243057 | 9196 | SH |  | SOLE |  | 9196 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 518382 | 3679 | SH |  | SOLE |  | 3679 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | NASDAQ 100 ETF | 46138G649 |  | 202192 | 1846 | SH |  | SOLE |  | 1846 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | S LOW VOL | 46138E354 |  | 272029 | 4257 | SH |  | SOLE |  | 4257 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1755877 | 12431 | SH |  | SOLE |  | 12431 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | FTSE RAFI 1000 | 46137V613 |  | 400128 | 2579 | SH |  | SOLE |  | 2579 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL HLT | 46137V332 |  | 822260 | 2850 | SH |  | SOLE |  | 2850 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 8622487 | 32381 | SH |  | SOLE |  | 32381 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 3908179 | 16157 | SH |  | SOLE |  | 16157 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 279695 | 2775 | SH |  | SOLE |  | 2775 | 0 | 0 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 445316 | 6520 | SH |  | SOLE |  | 6520 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2406613 | 25429 | SH |  | SOLE |  | 25429 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 242833 | 2247 | SH |  | SOLE |  | 2247 | 0 | 0 |
| ISHARES TR | S 500 VAL ETF | 464287408 |  | 326668 | 2252 | SH |  | SOLE |  | 2252 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 7888839 | 20533 | SH |  | SOLE |  | 20533 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 585976 | 3864 | SH |  | SOLE |  | 3864 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1770353 | 8263 | SH |  | SOLE |  | 8263 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 693081 | 3975 | SH |  | SOLE |  | 3975 | 0 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 256010 | 3796 | SH |  | SOLE |  | 3796 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 215688 | 2580 | SH |  | SOLE |  | 2580 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 298622 | 2830 | SH |  | SOLE |  | 2830 | 0 | 0 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 260230 | 3069 | SH |  | SOLE |  | 3069 | 0 | 0 |
| ISHARES TR | US AER DEF ETF | 464288760 |  | 434576 | 3885 | SH |  | SOLE |  | 3885 | 0 | 0 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 247156 | 5387 | SH |  | SOLE |  | 5387 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 239584 | 2470 | SH |  | SOLE |  | 2470 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 650275 | 5392 | SH |  | SOLE |  | 5392 | 0 | 0 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 3138647 | 30110 | SH |  | SOLE |  | 30110 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 705430 | 11444 | SH |  | SOLE |  | 11444 | 0 | 0 |
| ISHARES TR | MSCI USA MMENTM | 46432F396 |  | 623413 | 4272 | SH |  | SOLE |  | 4272 | 0 | 0 |
| ISHARES TR | CORE DIV GRWTH | 46434V621 |  | 944100 | 18882 | SH |  | SOLE |  | 18882 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | US AGGREGATE ETF | 46641Q241 |  | 274740 | 6000 | SH |  | SOLE |  | 6000 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2214298 | 12535 | SH |  | SOLE |  | 12535 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 1287182 | 9599 | SH |  | SOLE |  | 9599 | 0 | 0 |
| LILLY ELI  CO | COM | 532457108 |  | 1554733 | 4250 | SH |  | SOLE |  | 4250 | 0 | 0 |
| LINDE PLC | SHS | G5494J103 |  | 205820 | 631 | SH |  | SOLE |  | 631 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 1118927 | 2300 | SH |  | SOLE |  | 2300 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 493916 | 2479 | SH |  | SOLE |  | 2479 | 0 | 0 |
| MARATHON PETE CORP | COM | 56585A102 |  | 211856 | 1820 | SH |  | SOLE |  | 1820 | 0 | 0 |
| MARKER THERAPEUTICS INC | COM | 57055L107 |  | 3058 | 11500 | SH |  | SOLE |  | 11500 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 2554809 | 7347 | SH |  | SOLE |  | 7347 | 0 | 0 |
| MATINAS BIOPHARMA HLDGS INC | COM | 576810105 |  | 5000 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 1352338 | 5132 | SH |  | SOLE |  | 5132 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 |  | 208567 | 556 | SH |  | SOLE |  | 556 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 1590647 | 14337 | SH |  | SOLE |  | 14337 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1661053 | 13803 | SH |  | SOLE |  | 13803 | 0 | 0 |
| METLIFE INC | COM | 59156R108 |  | 200971 | 2777 | SH |  | SOLE |  | 2777 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 10061012 | 41952 | SH |  | SOLE |  | 41952 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 676455 | 2294 | SH |  | SOLE |  | 2294 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 2209404 | 26428 | SH |  | SOLE |  | 26428 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 208512 | 1782 | SH |  | SOLE |  | 1782 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 200339 | 813 | SH |  | SOLE |  | 813 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 229786 | 421 | SH |  | SOLE |  | 421 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1096655 | 7504 | SH |  | SOLE |  | 7504 | 0 | 0 |
| OCEANFIRST FINL CORP | COM | 675234108 |  | 503980 | 23717 | SH |  | SOLE |  | 23717 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 286058 | 3500 | SH |  | SOLE |  | 3500 | 0 | 0 |
| PAYCHEX INC | COM | 704326107 |  | 639393 | 5533 | SH |  | SOLE |  | 5533 | 0 | 0 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 221494 | 3110 | SH |  | SOLE |  | 3110 | 0 | 0 |
| PELOTON INTERACTIVE INC | CL A COM | 70614W100 |  | 89524 | 11275 | SH |  | SOLE |  | 11275 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 1258715 | 6967 | SH |  | SOLE |  | 6967 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 1236583 | 24133 | SH |  | SOLE |  | 24133 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 415163 | 4102 | SH |  | SOLE |  | 4102 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 253003 | 1602 | SH |  | SOLE |  | 1602 | 0 | 0 |
| PPL CORP | COM | 69351T106 |  | 867776 | 29698 | SH |  | SOLE |  | 29698 | 0 | 0 |
| PRINCIPAL FINANCIAL GROUP IN | COM | 74251V102 |  | 251760 | 3000 | SH |  | SOLE |  | 3000 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1533915 | 10121 | SH |  | SOLE |  | 10121 | 0 | 0 |
| PROSHARES TR | PSHS ULT S 500 | 74347R107 |  | 217405 | 4891 | SH |  | SOLE |  | 4891 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 208441 | 3402 | SH |  | SOLE |  | 3402 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 987410 | 8981 | SH |  | SOLE |  | 8981 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | COM | 75513E101 |  | 321488 | 3186 | SH |  | SOLE |  | 3186 | 0 | 0 |
| REPUBLIC FIRST BANCORP INC | COM | 760416107 |  | 78583 | 36550 | SH |  | SOLE |  | 36550 | 0 | 0 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 2178923 | 33210 | SH |  | SOLE |  | 33210 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 19696223 | 260739 | SH |  | SOLE |  | 260739 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 2361879 | 52709 | SH |  | SOLE |  | 52709 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 2665659 | 82759 | SH |  | SOLE |  | 82759 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 1400605 | 34574 | SH |  | SOLE |  | 34574 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 11078853 | 199403 | SH |  | SOLE |  | 199403 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 249276 | 3776 | SH |  | SOLE |  | 3776 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI INT-UTILS | 81369Y886 |  | 713135 | 10115 | SH |  | SOLE |  | 10115 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 893245 | 10212 | SH |  | SOLE |  | 10212 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 369915 | 10816 | SH |  | SOLE |  | 10816 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI INT-INDS | 81369Y704 |  | 253024 | 2576 | SH |  | SOLE |  | 2576 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 292399 | 2350 | SH |  | SOLE |  | 2350 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 200790 | 2693 | SH |  | SOLE |  | 2693 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 460838 | 3392 | SH |  | SOLE |  | 3392 | 0 | 0 |
| SHELL PLC | SPON ADS | 780259305 |  | 242322 | 4255 | SH |  | SOLE |  | 4255 | 0 | 0 |
| SOUTH JERSEY INDS INC | COM | 838518108 |  | 731207 | 20580 | SH |  | SOLE |  | 20580 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 210660 | 2950 | SH |  | SOLE |  | 2950 | 0 | 0 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 929000 | 2804 | SH |  | SOLE |  | 2804 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 634793 | 3742 | SH |  | SOLE |  | 3742 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 4324616 | 11308 | SH |  | SOLE |  | 11308 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 275415 | 622 | SH |  | SOLE |  | 622 | 0 | 0 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 15409212 | 123165 | SH |  | SOLE |  | 123165 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 304147 | 3066 | SH |  | SOLE |  | 3066 | 0 | 0 |
| TARGET CORP | COM | 87612E106 |  | 359296 | 2411 | SH |  | SOLE |  | 2411 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 980636 | 7961 | SH |  | SOLE |  | 7961 | 0 | 0 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 612115 | 9452 | SH |  | SOLE |  | 9452 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 227800 | 1215 | SH |  | SOLE |  | 1215 | 0 | 0 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 881496 | 5071 | SH |  | SOLE |  | 5071 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 1665558 | 3141 | SH |  | SOLE |  | 3141 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 |  | 373594 | 2284 | SH |  | SOLE |  | 2284 | 0 | 0 |
| VANGUARD ADMIRAL FDS INC | SMLLCP 600 IDX | 921932828 |  | 1509502 | 8710 | SH |  | SOLE |  | 8710 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 436843 | 1243 | SH |  | SOLE |  | 1243 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 787703 | 4120 | SH |  | SOLE |  | 4120 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 8946522 | 48744 | SH |  | SOLE |  | 48744 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 876948 | 4115 | SH |  | SOLE |  | 4115 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1237081 | 8813 | SH |  | SOLE |  | 8813 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 4507064 | 22114 | SH |  | SOLE |  | 22114 | 0 | 0 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 837431 | 10153 | SH |  | SOLE |  | 10153 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 1161100 | 14980 | SH |  | SOLE |  | 14980 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 15117138 | 99553 | SH |  | SOLE |  | 99553 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 389253 | 7526 | SH |  | SOLE |  | 7526 | 0 | 0 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 833288 | 7701 | SH |  | SOLE |  | 7701 | 0 | 0 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 807149 | 2527 | SH |  | SOLE |  | 2527 | 0 | 0 |
| VANGUARD WORLD FDS | HEALTH CAR ETF | 92204A504 |  | 1263319 | 5093 | SH |  | SOLE |  | 5093 | 0 | 0 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 238513 | 1967 | SH |  | SOLE |  | 1967 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 408360 | 10364 | SH |  | SOLE |  | 10364 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 3620950 | 17429 | SH |  | SOLE |  | 17429 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 670613 | 4730 | SH |  | SOLE |  | 4730 | 0 | 0 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 284093 | 3030 | SH |  | SOLE |  | 3030 | 0 | 0 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 1769695 | 28567 | SH |  | SOLE |  | 28567 | 0 | 0 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 2771809 | 45921 | SH |  | SOLE |  | 45921 | 0 | 0 |
| XCEL ENERGY INC | COM | 98389B100 |  | 279318 | 3984 | SH |  | SOLE |  | 3984 | 0 | 0 |

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