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
AFLAC INC COM 001055102 1,039 20,772 SH   SOLE   20,084 0 688
AT&T INC COM 00206R102 1,240 39,536 SH   SOLE   38,751 0 785
ABBOTT LABS COM 002824100 398 4,980 SH   SOLE   4,264 0 716
ABBVIE INC COM 00287Y109 298 3,696 SH   SOLE   3,608 0 88
ADOBE INC COM 00724F101 773 2,902 SH   SOLE   2,902 0 0
AEROHIVE NETWORKS INC COM 007786106 208 45,836 SH   SOLE   0 0 45,836
ALARM COM HLDGS INC COM 011642105 238 3,666 SH   SOLE   0 0 3,666
ALPHABET INC CAP STK CL C 02079K107 711 606 SH   SOLE   542 0 64
ALPHABET INC CAP STK CL A 02079K305 820 697 SH   SOLE   647 0 50
ALTRIA GROUP INC COM 02209S103 888 15,462 SH   SOLE   14,796 0 666
AMAZON COM INC COM 023135106 516 290 SH   SOLE   97 0 193
AMERICAN EXPRESS CO COM 025816109 1,400 12,805 SH   SOLE   12,805 0 0
AMERICAN TOWER CORP NEW COM 03027X100 214 1,087 SH   SOLE   1,087 0 0
AMGEN INC COM 031162100 4,450 23,426 SH   SOLE   16,477 0 6,949
APPLE INC COM 037833100 3,651 19,223 SH   SOLE   17,943 0 1,279
AUTOMATIC DATA PROCESSING IN COM 053015103 519 3,251 SH   SOLE   2,937 0 314
BB&T CORP COM 054937107 930 19,990 SH   SOLE   14,937 0 5,053
BANK AMER CORP COM 060505104 1,354 49,061 SH   SOLE   45,129 0 3,932
BANK NEW YORK MELLON CORP COM 064058100 283 5,612 SH   SOLE   2,280 0 3,332
BECTON DICKINSON & CO COM 075887109 302 1,210 SH   SOLE   1,147 0 63
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,289 6,417 SH   SOLE   5,838 0 579
BLACKROCK INC COM 09247X101 254 595 SH   SOLE   552 0 43
BOEING CO COM 097023105 983 2,578 SH   SOLE   1,755 0 823
BOULDER GROWTH & INCOME FD I COM 101507101 181 16,769 SH   SOLE   16,769 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 259 5,438 SH   SOLE   3,078 0 2,360
CENTENE CORP DEL COM 15135B101 539 10,150 SH   SOLE   10,150 0 0
CHEVRON CORP NEW COM 166764100 515 4,179 SH   SOLE   4,061 0 118
CISCO SYS INC COM 17275R102 435 8,048 SH   SOLE   6,992 0 1,056
CITIZENS FINL GROUP INC COM 174610105 211 6,484 SH   SOLE   6,484 0 0
COCA COLA CO COM 191216100 661 14,103 SH   SOLE   9,661 0 4,442
COLGATE PALMOLIVE CO COM 194162103 458 6,677 SH   SOLE   6,677 0 0
COMCAST CORP NEW CL A 20030N101 540 13,501 SH   SOLE   11,922 0 1,579
CONOCOPHILLIPS COM 20825C104 409 6,130 SH   SOLE   6,030 0 100
COSTCO WHSL CORP NEW COM 22160K105 256 1,059 SH   SOLE   1,059 0 0
DEERE & CO COM 244199105 227 1,420 SH   SOLE   726 0 694
DISNEY WALT CO COM DISNEY 254687106 369 3,325 SH   SOLE   1,839 0 1,486
DOMINION ENERGY INC COM 25746U109 218 2,841 SH   SOLE   2,841 0 0
DOWDUPONT INC COM 26078J100 255 4,781 SH   SOLE   4,544 0 237
EATON VANCE CORP COM NON VTG 278265103 4,333 107,488 SH   SOLE   107,488 0 0
EMERSON ELEC CO COM 291011104 307 4,482 SH   SOLE   3,394 0 1,088
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 154 10,039 SH   SOLE   10,039 0 0
EXXON MOBIL CORP COM 30231G102 2,241 27,732 SH   SOLE   21,935 0 5,797
FACEBOOK INC CL A 30303M102 319 1,912 SH   SOLE   1,294 0 618
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 249 1,651 SH   SOLE   1,651 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 273 5,737 SH   SOLE   4,737 0 1,000
FRANKLIN COVEY CO COM 353469109 202 7,991 SH   SOLE   0 0 7,991
GENERAL ELECTRIC CO COM 369604103 354 35,476 SH   SOLE   33,164 0 2,312
HERSHEY CO COM 427866108 334 2,911 SH   SOLE   2,911 0 0
HOME DEPOT INC COM 437076102 936 4,880 SH   SOLE   2,983 0 1,897
HONEYWELL INTL INC COM 438516106 1,104 6,946 SH   SOLE   6,020 0 926
ILLINOIS TOOL WKS INC COM 452308109 289 2,016 SH   SOLE   1,914 0 102
INTEL CORP COM 458140100 1,162 21,633 SH   SOLE   20,261 0 1,372
INTERNATIONAL BUSINESS MACHS COM 459200101 2,269 16,082 SH   SOLE   15,247 0 835
INVESCO QQQ TR UNIT SER 1 46090E103 408 2,272 SH   SOLE   873 0 1,399
IROBOT CORP COM 462726100 353 3,000 SH   SOLE   3,000 0 0
ISHARES GOLD TRUST ISHARES 464285105 960 77,538 SH   SOLE   72,889 0 4,649
ISHARES TR CORE S&P500 ETF 464287200 13,067 45,919 SH   SOLE   40,387 0 5,532
ISHARES TR S&P 500 GRWT ETF 464287309 395 2,292 SH   SOLE   2,032 0 260
ISHARES TR S&P 500 VAL ETF 464287408 241 2,135 SH   SOLE   1,805 0 330
ISHARES TR 1 3 YR TREAS BD 464287457 285 3,392 SH   SOLE   3,392 0 0
ISHARES TR MSCI EAFE ETF 464287465 384 5,921 SH   SOLE   4,074 0 1,847
ISHARES TR RUS MID CAP ETF 464287499 518 9,596 SH   SOLE   1,200 0 8,396
ISHARES TR CORE S&P MCP ETF 464287507 43,358 228,922 SH   SOLE   204,288 0 24,634
ISHARES TR NASDAQ BIOTECH 464287556 772 6,904 SH   SOLE   6,542 0 362
ISHARES TR RUS 1000 VAL ETF 464287598 1,047 8,480 SH   SOLE   8,480 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,967 19,602 SH   SOLE   18,937 0 665
ISHARES TR RUS 1000 ETF 464287622 15,785 100,341 SH   SOLE   92,536 0 7,805
ISHARES TR RUS 2000 VAL ETF 464287630 12,224 101,952 SH   SOLE   90,926 0 11,026
ISHARES TR RUSSELL 2000 ETF 464287655 290 1,896 SH   SOLE   1,645 0 251
ISHARES TR S&P MC 400VL ETF 464287705 429 2,736 SH   SOLE   2,736 0 0
ISHARES TR US HLTHCARE ETF 464287762 264 1,363 SH   SOLE   1,273 0 90
ISHARES TR CORE S&P SCP ETF 464287804 511 6,628 SH   SOLE   6,628 0 0
ISHARES TR SP SMCP600VL ETF 464287879 203 1,379 SH   SOLE   736 0 643
ISHARES TR S&P SML 600 GWT 464287887 1,080 6,052 SH   SOLE   4,019 0 2,033
ISHARES TR MSCI ACWI EX US 464288240 652 14,094 SH   SOLE   14,094 0 0
ISHARES TR MSCI ACWI ETF 464288257 216 3,000 SH   SOLE   2,200 0 800
ISHARES TR EAFE SML CP ETF 464288273 29,746 517,863 SH   SOLE   488,831 0 29,032
ISHARES TR JPMORGAN USD EMG 464288281 37,958 344,887 SH   SOLE   316,423 0 28,465
ISHARES TR SHORT TREAS BD 464288679 2,882 26,061 SH   SOLE   26,061 0 0
ISHARES TR MSCI USA ESG SLC 464288802 217 1,838 SH   SOLE   1,838 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 110,724 1,110,794 SH   SOLE   1,002,818 0 107,976
ISHARES TR CORE MSCI EAFE 46432F842 12,044 198,193 SH   SOLE   183,471 0 14,722
ISHARES INC CORE MSCI EMKT 46434G103 46,422 897,728 SH   SOLE   840,692 0 57,037
JPMORGAN CHASE & CO COM 46625H100 471 4,657 SH   SOLE   4,657 0 0
JOHNSON & JOHNSON COM 478160104 2,598 18,584 SH   SOLE   15,551 0 3,033
JUST ENERGY GROUP INC COM 48213W101 68 20,000 SH   SOLE   20,000 0 0
KIMBERLY CLARK CORP COM 494368103 247 1,993 SH   SOLE   1,993 0 0
LILLY ELI & CO COM 532457108 337 2,595 SH   SOLE   2,560 0 35
LOCKHEED MARTIN CORP COM 539830109 1,266 4,217 SH   SOLE   4,003 0 214
LOEWS CORP COM 540424108 719 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 408 3,727 SH   SOLE   3,391 0 336
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 312 5,140 SH   SOLE   5,140 0 0
MCDONALDS CORP COM 580135101 263 1,387 SH   SOLE   1,296 0 91
MERCK & CO INC COM 58933Y105 1,820 21,880 SH   SOLE   21,502 0 378
MICROSOFT CORP COM 594918104 3,764 31,913 SH   SOLE   29,706 0 2,207
MONDELEZ INTL INC CL A 609207105 415 8,312 SH   SOLE   8,312 0 0
NATIONAL COMM CORP COM 63546L102 251 6,412 SH   SOLE   0 0 6,412
NORFOLK SOUTHERN CORP COM 655844108 515 2,755 SH   SOLE   2,755 0 0
NORTHROP GRUMMAN CORP COM 666807102 394 1,463 SH   SOLE   1,463 0 0
ORACLE CORP COM 68389X105 340 6,326 SH   SOLE   5,407 0 919
PEPSICO INC COM 713448108 1,749 14,272 SH   SOLE   14,060 0 212
PFIZER INC COM 717081103 1,205 28,378 SH   SOLE   27,802 0 576
PHILIP MORRIS INTL INC COM 718172109 317 3,591 SH   SOLE   2,945 0 645
PHILLIPS 66 COM 718546104 325 3,419 SH   SOLE   3,249 0 170
PITNEY BOWES INC COM 724479100 87 12,656 SH   SOLE   12,656 0 0
PROCTER AND GAMBLE CO COM 742718109 1,120 10,759 SH   SOLE   8,453 0 2,306
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 505 8,497 SH   SOLE   6,705 0 1,792
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 207 3,310 SH   SOLE   3,310 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,541 8,997 SH   SOLE   7,802 0 1,195
SPDR GOLD TRUST GOLD SHS 78463V107 791 6,480 SH   SOLE   6,480 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 5,121 102,361 SH   SOLE   102,184 0 177
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 613 15,595 SH   SOLE   14,112 0 1,483
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 4,686 77,706 SH   SOLE   68,650 0 9,056
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 1,621 31,021 SH   SOLE   30,783 0 238
SPDR SERIES TRUST S&P BIOTECH 78464A870 270 2,982 SH   SOLE   2,982 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,700 13,606 SH   SOLE   13,606 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 227 4,686 SH   SOLE   4,686 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 207 2,605 SH   SOLE   0 0 2,605
STERLING BANCORP DEL COM 85917A100 224 12,024 SH   SOLE   12,024 0 0
STEWARDSHIP FINL CORP COM 860326107 99 10,702 SH   SOLE   10,702 0 0
TEXAS INSTRS INC COM 882508104 325 3,068 SH   SOLE   2,837 0 231
THERMO FISHER SCIENTIFIC INC COM 883556102 242 884 SH   SOLE   841 0 43
3M CO COM 88579Y101 2,872 13,821 SH   SOLE   13,208 0 613
UNION PACIFIC CORP COM 907818108 848 5,074 SH   SOLE   5,074 0 0
UNITED TECHNOLOGIES CORP COM 913017109 551 4,274 SH   SOLE   1,562 0 2,712
VANGUARD GROUP DIV APP ETF 921908844 8,721 79,543 SH   SOLE   75,273 0 4,270
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 333 4,097 SH   SOLE   4,097 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 311 7,610 SH   SOLE   7,610 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 651 7,605 SH   SOLE   7,605 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 3,709 47,397 SH   SOLE   43,746 0 3,651
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 25,335 520,448 SH   SOLE   477,012 0 43,436
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 264 3,606 SH   SOLE   277 0 3,329
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 286 5,700 SH   SOLE   5,700 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,682 416,050 SH   SOLE   392,127 0 23,923
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 675 2,599 SH   SOLE   2,386 0 213
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 456 5,247 SH   SOLE   4,990 0 257
VANGUARD INDEX FDS SML CP GRW ETF 922908595 379 2,111 SH   SOLE   2,111 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 17,549 136,324 SH   SOLE   131,133 0 5,191
VANGUARD INDEX FDS MID CAP ETF 922908629 1,747 10,869 SH   SOLE   10,016 0 853
VANGUARD INDEX FDS VALUE ETF 922908744 26,822 249,208 SH   SOLE   234,193 0 15,015
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,421 9,822 SH   SOLE   9,315 0 507
VERIZON COMMUNICATIONS INC COM 92343V104 1,386 23,440 SH   SOLE   21,990 0 1,450
WALMART INC COM 931142103 249 2,554 SH   SOLE   508 0 2,046
AIRCASTLE LTD COM G0129K104 495 24,437 SH   SOLE   24,437 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 675 3,834 SH   SOLE   2,117 0 1,717