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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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 1,086 7,663 SH   SOLE 7,663 0 0
ALTRIA GROUP INC COM 02209S103 338 6,221 SH   SOLE 6,221 0 0
APPLE INC COM 037833100 1,355 12,287 SH   SOLE 12,287 0 0
AT&T INC COM 00206R102 1,136 34,862 SH   SOLE 34,862 0 0
BANK AMER CORP COM 060505104 433 27,775 SH   SOLE 27,775 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 324 2,488 SH   SOLE 2,488 0 0
BOEING CO COM 097023105 421 3,215 SH   SOLE 3,215 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 125 16,769 SH   SOLE 16,769 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 238 9,185 SH   SOLE 9,185 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 215 9,671 SH   SOLE 9,671 0 0
COCA COLA CO COM 191216100 295 7,360 SH   SOLE 7,360 0 0
COLGATE PALMOLIVE CO COM 194162103 303 4,769 SH   SOLE 4,769 0 0
COMCAST CORP NEW CL A 20030N101 358 6,296 SH   SOLE 6,296 0 0
CONOCOPHILLIPS COM 20825C104 217 4,522 SH   SOLE 4,522 0 0
DISNEY WALT CO COM DISNEY 254687106 282 2,763 SH   SOLE 2,763 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 970 38,964 SH   SOLE 38,964 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 221 2,732 SH   SOLE 2,732 0 0
EXXON MOBIL CORP COM 30231G102 854 11,485 SH   SOLE 11,485 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 227 4,787 SH   SOLE 4,787 0 0
GENERAL ELECTRIC CO COM 369604103 796 31,574 SH   SOLE 31,574 0 0
GOOGLE INC CL A 38259P508 282 442 SH   SOLE 442 0 0
GOOGLE INC CL C 38259P706 224 368 SH   SOLE 368 0 0
HERSHEY CO COM 427866108 346 3,769 SH   SOLE 3,769 0 0
HONEYWELL INTL INC COM 438516106 438 4,630 SH   SOLE 4,630 0 0
INTEL CORP COM 458140100 273 9,049 SH   SOLE 9,049 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 821 5,663 SH   SOLE 5,663 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,391 221,771 SH   SOLE 221,771 0 0
ISHARES INC CORE MSCI EMKT 46434G103 30,061 753,602 SH   SOLE 753,602 0 0
ISHARES TR TIPS BD ETF 464287176 266 2,406 SH   SOLE 2,406 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,504 64,884 SH   SOLE 64,884 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 674 20,564 SH   SOLE 20,564 0 0
ISHARES TR IBOXX INV CP ETF 464287242 474 4,086 SH   SOLE 4,086 0 0
ISHARES TR MSCI EAFE ETF 464287465 255 4,452 SH   SOLE 4,452 0 0
ISHARES TR CORE S&P MCP ETF 464287507 34,164 250,081 SH   SOLE 250,081 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 487 5,218 SH   SOLE 5,218 0 0
ISHARES TR RUS 1000 ETF 464287622 15,085 140,916 SH   SOLE 140,916 0 0
ISHARES TR MSCI ACWI EX US 464288240 1,302 33,336 SH   SOLE 33,336 0 0
ISHARES TR EAFE SML CP ETF 464288273 11,073 231,797 SH   SOLE 231,797 0 0
ISHARES TR JP MOR EM MK ETF 464288281 46,069 432,982 SH   SOLE 432,982 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 206 2,074 SH   SOLE 2,074 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,738 32,917 SH   SOLE 32,917 0 0
JOHNSON & JOHNSON COM 478160104 1,381 14,796 SH   SOLE 14,796 0 0
KIMBERLY CLARK CORP COM 494368103 455 4,173 SH   SOLE 4,173 0 0
LOCKHEED MARTIN CORP COM 539830109 545 2,627 SH   SOLE 2,627 0 0
MERCK & CO INC NEW COM 58933Y105 328 6,640 SH   SOLE 6,640 0 0
MICROSOFT CORP COM 594918104 333 7,530 SH   SOLE 7,530 0 0
NORTHROP GRUMMAN CORP COM 666807102 248 1,494 SH   SOLE 1,494 0 0
PEPSICO INC COM 713448108 603 6,395 SH   SOLE 6,395 0 0
PFIZER INC COM 717081103 323 10,270 SH   SOLE 10,270 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 201 2,125 SH   SOLE 2,125 0 0
PITNEY BOWES INC COM 724479100 251 12,656 SH   SOLE 12,656 0 0
PROCTER & GAMBLE CO COM 742718109 343 4,763 SH   SOLE 4,763 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 500 11,866 SH   SOLE 11,866 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 387 3,617 SH   SOLE 3,617 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 677 14,982 SH   SOLE 14,982 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,020 25,940 SH   SOLE 25,940 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,447 12,770 SH   SOLE 12,770 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,190 16,833 SH   SOLE 16,833 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 295 3,119 SH   SOLE 3,119 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 483 19,818 SH   SOLE 19,818 0 0
STERLING BANCORP DEL COM 85917A100 209 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 121 20,702 SH   SOLE 20,702 0 0
UNION PAC CORP COM 907818108 700 7,914 SH   SOLE 7,914 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 450 5,496 SH   SOLE 5,496 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 481 2,737 SH   SOLE 2,737 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 16,304 168,339 SH   SOLE 168,339 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,010 8,659 SH   SOLE 8,659 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,461 175,391 SH   SOLE 175,391 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 205 2,072 SH   SOLE 2,072 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 461 10,818 SH   SOLE 10,818 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,244 218,922 SH   SOLE 218,922 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,617 57,919 SH   SOLE 57,919 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,894 120,617 SH   SOLE 120,617 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 687 8,102 SH   SOLE 8,102 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 774 17,794 SH   SOLE 17,794 0 0