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 1,154 7,663 SH   SOLE 7,663 0 0
ABBVIE INC COM 00287Y109 205 3,464 SH   SOLE 3,464 0 0
ALPHABET INC CAP STK CL C 02079K107 235 310 SH   SOLE 310 0 0
ALPHABET INC CAP STK CL A 02079K305 344 442 SH   SOLE 442 0 0
ALTRIA GROUP INC COM 02209S103 362 6,221 SH   SOLE 6,221 0 0
AMGEN INC COM 031162100 221 1,362 SH   SOLE 1,362 0 0
APPLE INC COM 037833100 1,476 14,021 SH   SOLE 14,021 0 0
AT&T INC COM 00206R102 1,765 51,291 SH   SOLE 51,291 0 0
BANK AMER CORP COM 060505104 439 26,111 SH   SOLE 26,111 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 329 2,488 SH   SOLE 2,488 0 0
BOEING CO COM 097023105 465 3,215 SH   SOLE 3,215 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 130 16,769 SH   SOLE 16,769 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 591 8,594 SH   SOLE 8,594 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 239 9,254 SH   SOLE 9,254 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 214 9,693 SH   SOLE 9,693 0 0
COCA COLA CO COM 191216100 310 7,214 SH   SOLE 7,214 0 0
COLGATE PALMOLIVE CO COM 194162103 303 4,549 SH   SOLE 4,549 0 0
COMCAST CORP NEW CL A 20030N101 314 5,566 SH   SOLE 5,566 0 0
CONOCOPHILLIPS COM 20825C104 210 4,488 SH   SOLE 4,488 0 0
DISNEY WALT CO COM DISNEY 254687106 280 2,663 SH   SOLE 2,663 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 954 37,304 SH   SOLE 37,304 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 244 2,790 SH   SOLE 2,790 0 0
EXXON MOBIL CORP COM 30231G102 1,107 14,203 SH   SOLE 14,203 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 266 4,787 SH   SOLE 4,787 0 0
FRONTIER COMMUNICATIONS CORP COM 35906A108 49 10,469 SH   SOLE 10,469 0 0
GENERAL ELECTRIC CO COM 369604103 1,029 33,027 SH   SOLE 33,027 0 0
HERSHEY CO COM 427866108 336 3,769 SH   SOLE 3,769 0 0
HONEYWELL INTL INC COM 438516106 468 4,515 SH   SOLE 4,515 0 0
INTEL CORP COM 458140100 299 8,674 SH   SOLE 8,674 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 840 6,103 SH   SOLE 6,103 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,249 219,801 SH   SOLE 219,801 0 0
ISHARES INC CORE MSCI EMKT 46434G103 23,855 605,617 SH   SOLE 605,617 0 0
ISHARES TR TIPS BD ETF 464287176 264 2,406 SH   SOLE 2,406 0 0
ISHARES TR CORE S&P500 ETF 464287200 13,061 63,751 SH   SOLE 63,751 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 562 17,474 SH   SOLE 17,474 0 0
ISHARES TR IBOXX INV CP ETF 464287242 312 2,738 SH   SOLE 2,738 0 0
ISHARES TR CORE S&P MCP ETF 464287507 34,290 246,126 SH   SOLE 246,126 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 511 5,218 SH   SOLE 5,218 0 0
ISHARES TR RUS 1000 ETF 464287622 15,695 138,510 SH   SOLE 138,510 0 0
ISHARES TR MSCI ACWI EX US 464288240 984 24,842 SH   SOLE 24,842 0 0
ISHARES TR EAFE SML CP ETF 464288273 12,413 248,504 SH   SOLE 248,504 0 0
ISHARES TR JP MOR EM MK ETF 464288281 46,416 438,795 SH   SOLE 438,795 0 0
ISHARES TR CORE MSCI EAFE 46432F842 3,000 55,159 SH   SOLE 55,159 0 0
JOHNSON & JOHNSON COM 478160104 1,421 13,829 SH   SOLE 13,829 0 0
KIMBERLY CLARK CORP COM 494368103 514 4,038 SH   SOLE 4,038 0 0
LOCKHEED MARTIN CORP COM 539830109 570 2,627 SH   SOLE 2,627 0 0
MEDIVATION INC COM 58501N101 203 4,204 SH   SOLE 4,204 0 0
MERCK & CO INC NEW COM 58933Y105 1,053 19,940 SH   SOLE 19,940 0 0
MICROSOFT CORP COM 594918104 439 7,915 SH   SOLE 7,915 0 0
NORTHROP GRUMMAN CORP COM 666807102 282 1,494 SH   SOLE 1,494 0 0
PEPSICO INC COM 713448108 817 8,180 SH   SOLE 8,180 0 0
PFIZER INC COM 717081103 318 9,845 SH   SOLE 9,845 0 0
PITNEY BOWES INC COM 724479100 261 12,656 SH   SOLE 12,656 0 0
PRAXAIR INC COM 74005P104 282 2,755 SH   SOLE 2,755 0 0
PROCTER & GAMBLE CO COM 742718109 364 4,579 SH   SOLE 4,579 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 458 11,836 SH   SOLE 11,836 0 0
SOUTHERN CO COM 842587107 380 8,131 SH   SOLE 8,131 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 374 3,691 SH   SOLE 3,691 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 581 12,423 SH   SOLE 12,423 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 947 24,216 SH   SOLE 24,216 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,604 12,772 SH   SOLE 12,772 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,964 15,604 SH   SOLE 15,604 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 914 9,837 SH   SOLE 9,837 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 466 19,147 SH   SOLE 19,147 0 0
STERLING BANCORP DEL COM 85917A100 227 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 113 18,702 SH   SOLE 18,702 0 0
UNION PAC CORP COM 907818108 601 7,684 SH   SOLE 7,684 0 0
UNITED PARCEL SERVICE INC CL B 911312106 544 5,658 SH   SOLE 5,658 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 543 6,723 SH   SOLE 6,723 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 487 2,606 SH   SOLE 2,606 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 16,943 171,545 SH   SOLE 171,545 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,322 11,007 SH   SOLE 11,007 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 15,684 192,396 SH   SOLE 192,396 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 424 9,776 SH   SOLE 9,776 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,435 502,459 SH   SOLE 502,459 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,026 38,304 SH   SOLE 38,304 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 9,114 117,207 SH   SOLE 117,207 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 629 7,573 SH   SOLE 7,573 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,001 21,647 SH   SOLE 21,647 0 0