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
Estimated average burden
hours per response: 23.8
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 1,686 9,627 SH   SOLE 9,627 0 0
ABBVIE INC COM 00287Y109 247 3,989 SH   SOLE 3,989 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 567 5,007 SH   SOLE 5,007 0 0
ADOBE SYS INC COM 00724F101 359 3,751 SH   SOLE 3,751 0 0
ALPHABET INC CAP STK CL C 02079K107 398 575 SH   SOLE 575 0 0
ALPHABET INC CAP STK CL A 02079K305 468 665 SH   SOLE 665 0 0
ALTRIA GROUP INC COM 02209S103 1,153 16,724 SH   SOLE 16,724 0 0
APPLE INC COM 037833100 1,018 10,646 SH   SOLE 10,646 0 0
AT&T INC COM 00206R102 1,789 41,410 SH   SOLE 41,410 0 0
BANK AMER CORP COM 060505104 375 28,234 SH   SOLE 28,234 0 0
BANK NEW YORK MELLON CORP COM 064058100 382 9,835 SH   SOLE 9,835 0 0
BARCLAYS BK PLC IPSP CROIL ETN 06738C786 73 11,740 SH   SOLE 11,740 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 510 3,523 SH   SOLE 3,523 0 0
BLACKROCK INC COM 09247X101 405 1,182 SH   SOLE 1,182 0 0
BOEING CO COM 097023105 506 3,895 SH   SOLE 3,895 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 136 16,769 SH   SOLE 16,769 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 230 3,123 SH   SOLE 3,123 0 0
CHEVRON CORP NEW COM 166764100 238 2,274 SH   SOLE 2,274 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 242 9,379 SH   SOLE 9,379 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 215 9,744 SH   SOLE 9,744 0 0
COCA COLA CO COM 191216100 347 7,658 SH   SOLE 7,658 0 0
COLGATE PALMOLIVE CO COM 194162103 349 4,763 SH   SOLE 4,763 0 0
COMCAST CORP NEW CL A 20030N101 366 5,621 SH   SOLE 5,621 0 0
CONOCOPHILLIPS COM 20825C104 306 7,023 SH   SOLE 7,023 0 0
CSX CORP COM 126408103 204 7,804 SH   SOLE 7,804 0 0
DISNEY WALT CO COM DISNEY 254687106 372 3,805 SH   SOLE 3,805 0 0
DOMINION RES INC VA NEW COM 25746U109 226 2,895 SH   SOLE 2,895 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 476 6,279 SH   SOLE 6,279 0 0
EXXON MOBIL CORP COM 30231G102 2,374 25,331 SH   SOLE 25,331 0 0
FACEBOOK INC CL A 30303M102 258 2,254 SH   SOLE 2,254 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 278 4,787 SH   SOLE 4,787 0 0
GENERAL ELECTRIC CO COM 369604103 1,412 44,840 SH   SOLE 44,840 0 0
GENERAL MLS INC COM 370334104 219 3,064 SH   SOLE 3,064 0 0
HARRIS CORP DEL COM 413875105 266 3,186 SH   SOLE 3,186 0 0
HERSHEY CO COM 427866108 321 2,830 SH   SOLE 2,830 0 0
HONEYWELL INTL INC COM 438516106 569 4,889 SH   SOLE 4,889 0 0
ILLINOIS TOOL WKS INC COM 452308109 336 3,225 SH   SOLE 3,225 0 0
INTEL CORP COM 458140100 825 25,151 SH   SOLE 25,151 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,263 8,320 SH   SOLE 8,320 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,179 170,794 SH   SOLE 170,794 0 0
ISHARES INC CORE MSCI EMKT 46434G103 34,424 822,741 SH   SOLE 822,741 0 0
ISHARES TR TIPS BD ETF 464287176 257 2,206 SH   SOLE 2,206 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,380 58,813 SH   SOLE 58,813 0 0
ISHARES TR S&P 500 VAL ETF 464287408 205 2,209 SH   SOLE 2,209 0 0
ISHARES TR CORE S&P MCP ETF 464287507 37,143 248,632 SH   SOLE 248,632 0 0
ISHARES TR NASDQ BIOTEC ETF 464287556 846 3,289 SH   SOLE 3,289 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 837 8,104 SH   SOLE 8,104 0 0
ISHARES TR RUS 1000 ETF 464287622 15,566 133,165 SH   SOLE 133,165 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 1,792 18,424 SH   SOLE 18,424 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 206 1,793 SH   SOLE 1,793 0 0
ISHARES TR US HLTHCARE ETF 464287762 217 1,463 SH   SOLE 1,463 0 0
ISHARES TR CORE S&P SCP ETF 464287804 256 2,206 SH   SOLE 2,206 0 0
ISHARES TR MSCI ACWI EX US 464288240 878 22,538 SH   SOLE 22,538 0 0
ISHARES TR EAFE SML CP ETF 464288273 10,857 224,973 SH   SOLE 224,973 0 0
ISHARES TR JP MOR EM MK ETF 464288281 55,731 483,986 SH   SOLE 483,986 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,842 35,502 SH   SOLE 35,502 0 0
JOHNSON & JOHNSON COM 478160104 1,932 15,927 SH   SOLE 15,927 0 0
JPMORGAN CHASE & CO COM 46625H100 245 3,947 SH   SOLE 3,947 0 0
KIMBERLY CLARK CORP COM 494368103 563 4,096 SH   SOLE 4,096 0 0
KRAFT HEINZ CO COM 500754106 389 4,401 SH   SOLE 4,401 0 0
LOCKHEED MARTIN CORP COM 539830109 1,431 5,765 SH   SOLE 5,765 0 0
LOWES COS INC COM 548661107 356 4,494 SH   SOLE 4,494 0 0
MEDIVATION INC COM 58501N101 254 4,204 SH   SOLE 4,204 0 0
MEDTRONIC PLC SHS G5960L103 402 4,632 SH   SOLE 4,632 0 0
MERCK & CO INC COM 58933Y105 527 9,141 SH   SOLE 9,141 0 0
MICROSOFT CORP COM 594918104 1,169 22,845 SH   SOLE 22,845 0 0
MONDELEZ INTL INC CL A 609207105 393 8,638 SH   SOLE 8,638 0 0
NORTHROP GRUMMAN CORP COM 666807102 377 1,694 SH   SOLE 1,694 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 325 4,300 SH   SOLE 4,300 0 0
ORACLE CORP COM 68389X105 314 7,665 SH   SOLE 7,665 0 0
PEPSICO INC COM 713448108 940 8,877 SH   SOLE 8,877 0 0
PFIZER INC COM 717081103 758 21,539 SH   SOLE 21,539 0 0
PHILIP MORRIS INTL INC COM 718172109 610 6,001 SH   SOLE 6,001 0 0
PITNEY BOWES INC COM 724479100 225 12,656 SH   SOLE 12,656 0 0
PROCTER & GAMBLE CO COM 742718109 926 10,940 SH   SOLE 10,940 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 464 9,945 SH   SOLE 9,945 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 228 4,240 SH   SOLE 4,240 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 838 6,628 SH   SOLE 6,628 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 672 13,339 SH   SOLE 13,339 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 960 23,163 SH   SOLE 23,163 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,600 12,414 SH   SOLE 12,414 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,209 15,463 SH   SOLE 15,463 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 230 2,299 SH   SOLE 2,299 0 0
STERLING BANCORP DEL COM 85917A100 220 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 120 18,702 SH   SOLE 18,702 0 0
SYNERGY PHARMACEUTICALS DEL COM NEW 871639308 40 10,500 SH   SOLE 10,500 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 515 10,248 SH   SOLE 10,248 0 0
UNION PAC CORP COM 907818108 689 7,892 SH   SOLE 7,892 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 647 23,361 SH   SOLE 23,361 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,061 12,586 SH   SOLE 12,586 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 458 2,382 SH   SOLE 2,382 0 0
VANGUARD INDEX FDS REIT ETF 922908553 386 4,349 SH   SOLE 4,349 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,390 174,631 SH   SOLE 174,631 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,273 10,293 SH   SOLE 10,293 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 19,002 223,578 SH   SOLE 223,578 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,407 13,128 SH   SOLE 13,128 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 356 8,317 SH   SOLE 8,317 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,157 231,528 SH   SOLE 231,528 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,240 15,335 SH   SOLE 15,335 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 9,164 110,094 SH   SOLE 110,094 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,263 17,676 SH   SOLE 17,676 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 645 6,778 SH   SOLE 6,778 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,304 23,344 SH   SOLE 23,344 0 0