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 380 3,181 SH   SOLE 3,181 0 0
APPLE INC COM 037833100 597 1,253 SH   SOLE 1,253 0 0
AT&T INC COM 00206R102 1,214 35,902 SH   SOLE 35,902 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,367 12,039 SH   SOLE 12,039 0 0
BIOGEN IDEC INC COM 09062X103 750 3,115 SH   SOLE 3,115 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 382 8,244 SH   SOLE 8,244 0 0
CHEVRON CORP NEW COM 166764100 282 2,318 SH   SOLE 2,318 0 0
COCA COLA CO COM 191216100 283 7,462 SH   SOLE 7,462 0 0
COLGATE PALMOLIVE CO COM 194162103 437 7,368 SH   SOLE 7,368 0 0
CONOCOPHILLIPS COM 20825C104 346 4,980 SH   SOLE 4,980 0 0
CRA INTL INC COM 12618T105 408 21,925 SH   SOLE 21,925 0 0
EXXON MOBIL CORP COM 30231G102 1,570 18,245 SH   SOLE 18,245 0 0
GENERAL ELECTRIC CO COM 369604103 658 27,564 SH   SOLE 27,564 0 0
GOOGLE INC CL A 38259P508 239 273 SH   SOLE 273 0 0
HERSHEY CO COM 427866108 270 2,923 SH   SOLE 2,923 0 0
IDENIX PHARMACEUTICALS INC COM 45166R204 52 10,000 SH   SOLE 10,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 997 5,381 SH   SOLE 5,381 0 0
ISHARES TIPS BD ETF 464287176 768 6,825 SH   SOLE 6,825 0 0
ISHARES CORE S&P500 ETF 464287200 15,036 89,023 SH   SOLE 89,023 0 0
ISHARES MSCI EMG MKT ETF 464287234 1,183 29,025 SH   SOLE 29,025 0 0
ISHARES CORE S&P MCP ETF 464287507 31,073 250,304 SH   SOLE 250,304 0 0
ISHARES RUS 1000 VAL ETF 464287598 279 3,232 SH   SOLE 3,232 0 0
ISHARES RUS 1000 ETF 464287622 17,039 180,940 SH   SOLE 180,940 0 0
ISHARES MSCI ACWI US ETF 464288240 2,331 52,008 SH   SOLE 52,008 0 0
ISHARES EAFE SML CP ETF 464288273 1,076 22,178 SH   SOLE 22,178 0 0
ISHARES USA ESG SLCT ETF 464288802 448 6,328 SH   SOLE 6,328 0 0
ISHARES EAFE VALUE ETF 464288877 250 4,590 SH   SOLE 4,590 0 0
ISHARES 0-5 YR TIPS ETF 46429B747 56,593 559,548 SH   SOLE 559,548 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,350 259,893 SH   SOLE 259,893 0 0
JOHNSON & JOHNSON COM 478160104 709 8,176 SH   SOLE 8,176 0 0
MERCK & CO INC NEW COM 58933Y105 280 5,887 SH   SOLE 5,887 0 0
PFIZER INC COM 717081103 221 7,681 SH   SOLE 7,681 0 0
PROCTER & GAMBLE CO COM 742718109 242 3,202 SH   SOLE 3,202 0 0
PROVIDENT NEW YORK BANCORP COM 744028101 2,376 218,156 SH   SOLE 218,156 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 362 10,988 SH   SOLE 10,988 0 0
SIRIUS XM RADIO INC COM 82967N108 44 11,300 SH   SOLE 11,300 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,320 10,295 SH   SOLE 10,295 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,304 30,945 SH   SOLE 30,945 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,167 12,901 SH   SOLE 12,901 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,421 19,535 SH   SOLE 19,535 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 813 33,567 SH   SOLE 33,567 0 0
STEWARDSHIP FINL CORP COM 860326107 111 20,702 SH   SOLE 20,702 0 0
UNITED PARCEL SERVICE INC CL B 911312106 971 10,623 SH   SOLE 10,623 0 0
VANGUARD INDEX FDS S&P 500 ETF SH 922908413 421 5,473 SH   SOLE 5,473 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,201 135,208 SH   SOLE 135,208 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 920 8,977 SH   SOLE 8,977 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,987 157,426 SH   SOLE 157,426 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 352 4,015 SH   SOLE 4,015 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 277 2,786 SH   SOLE 2,786 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 653 13,445 SH   SOLE 13,445 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,619 364,253 SH   SOLE 364,253 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,501 150,858 SH   SOLE 150,858 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,011 16,858 SH   SOLE 16,858 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 542 11,613 SH   SOLE 11,613 0 0