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 1,458 8,750 SH   SOLE 8,750 0 0
ABBVIE INC COM 00287Y109 223 3,898 SH   SOLE 3,898 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 765 6,632 SH   SOLE 6,632 0 0
ALPHABET INC CAP STK CL C 02079K107 242 325 SH   SOLE 325 0 0
ALPHABET INC CAP STK CL A 02079K305 355 465 SH   SOLE 465 0 0
ALTRIA GROUP INC COM 02209S103 959 15,302 SH   SOLE 15,302 0 0
APPLE INC COM 037833100 1,013 9,292 SH   SOLE 9,292 0 0
AT&T INC COM 00206R102 1,963 50,121 SH   SOLE 50,121 0 0
BANK AMER CORP COM 060505104 382 28,233 SH   SOLE 28,233 0 0
BAXALTA INC COM 07177M103 257 6,349 SH   SOLE 6,349 0 0
BAXTER INTL INC COM 071813109 264 6,436 SH   SOLE 6,436 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 495 3,488 SH   SOLE 3,488 0 0
BLACKROCK INC COM 09247X101 600 1,761 SH   SOLE 1,761 0 0
BOEING CO COM 097023105 412 3,245 SH   SOLE 3,245 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 132 16,769 SH   SOLE 16,769 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 214 3,355 SH   SOLE 3,355 0 0
CATERPILLAR INC DEL COM 149123101 273 3,561 SH   SOLE 3,561 0 0
CHEVRON CORP NEW COM 166764100 257 2,695 SH   SOLE 2,695 0 0
CISCO SYS INC COM 17275R102 334 11,718 SH   SOLE 11,718 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 241 9,320 SH   SOLE 9,320 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 214 9,722 SH   SOLE 9,722 0 0
COCA COLA CO COM 191216100 331 7,136 SH   SOLE 7,136 0 0
COLGATE PALMOLIVE CO COM 194162103 336 4,762 SH   SOLE 4,762 0 0
COMCAST CORP NEW CL A 20030N101 343 5,620 SH   SOLE 5,620 0 0
CONOCOPHILLIPS COM 20825C104 345 8,571 SH   SOLE 8,571 0 0
CSX CORP COM 126408103 298 11,584 SH   SOLE 11,584 0 0
CTI BIOPHARMA CORP COM 12648L106 13 25,000 SH   SOLE 25,000 0 0
DISNEY WALT CO COM DISNEY 254687106 378 3,805 SH   SOLE 3,805 0 0
DNP SELECT INCOME FD COM 23325P104 111 11,066 SH   SOLE 11,066 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 805 32,704 SH   SOLE 32,704 0 0
EXXON MOBIL CORP COM 30231G102 2,017 24,134 SH   SOLE 24,134 0 0
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 217 2,479 SH   SOLE 2,479 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 268 4,787 SH   SOLE 4,787 0 0
GENERAL ELECTRIC CO COM 369604103 1,109 34,888 SH   SOLE 34,888 0 0
HARRIS CORP DEL COM 413875105 393 5,045 SH   SOLE 5,045 0 0
HERSHEY CO COM 427866108 347 3,769 SH   SOLE 3,769 0 0
HONEYWELL INTL INC COM 438516106 519 4,633 SH   SOLE 4,633 0 0
ILLINOIS TOOL WKS INC COM 452308109 400 3,903 SH   SOLE 3,903 0 0
INTEL CORP COM 458140100 844 26,099 SH   SOLE 26,099 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,157 7,640 SH   SOLE 7,640 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,373 199,744 SH   SOLE 199,744 0 0
ISHARES INC CORE MSCI EMKT 46434G103 36,846 885,287 SH   SOLE 885,287 0 0
ISHARES TR TIPS BD ETF 464287176 253 2,206 SH   SOLE 2,206 0 0
ISHARES TR CORE S&P500 ETF 464287200 12,544 60,702 SH   SOLE 60,702 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 572 16,691 SH   SOLE 16,691 0 0
ISHARES TR MSCI EAFE ETF 464287465 258 4,507 SH   SOLE 4,507 0 0
ISHARES TR CORE S&P MCP ETF 464287507 35,839 248,552 SH   SOLE 248,552 0 0
ISHARES TR NASDQ BIOTEC ETF 464287556 1,030 3,949 SH   SOLE 3,949 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 835 8,450 SH   SOLE 8,450 0 0
ISHARES TR RUS 1000 ETF 464287622 15,555 136,365 SH   SOLE 136,365 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 403 4,323 SH   SOLE 4,323 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 292 2,639 SH   SOLE 2,639 0 0
ISHARES TR US HLTHCARE ETF 464287762 276 1,962 SH   SOLE 1,962 0 0
ISHARES TR U.S. ENERGY ETF 464287796 202 5,814 SH   SOLE 5,814 0 0
ISHARES TR MSCI ACWI EX US 464288240 957 24,244 SH   SOLE 24,244 0 0
ISHARES TR EAFE SML CP ETF 464288273 12,141 243,788 SH   SOLE 243,788 0 0
ISHARES TR JP MOR EM MK ETF 464288281 50,566 458,229 SH   SOLE 458,229 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,243 23,398 SH   SOLE 23,398 0 0
JOHNSON & JOHNSON COM 478160104 1,687 15,592 SH   SOLE 15,592 0 0
KIMBERLY CLARK CORP COM 494368103 543 4,038 SH   SOLE 4,038 0 0
KRAFT HEINZ CO COM 500754106 319 4,056 SH   SOLE 4,056 0 0
LOCKHEED MARTIN CORP COM 539830109 1,605 7,248 SH   SOLE 7,248 0 0
LOWES COS INC COM 548661107 355 4,685 SH   SOLE 4,685 0 0
MARKET VECTORS ETF TR GOLD MINER ETF 57060U100 559 27,994 SH   SOLE 27,994 0 0
MEDTRONIC PLC SHS G5960L103 493 6,578 SH   SOLE 6,578 0 0
MERCK & CO INC NEW COM 58933Y105 524 9,909 SH   SOLE 9,909 0 0
MICROSOFT CORP COM 594918104 1,226 22,202 SH   SOLE 22,202 0 0
MONDELEZ INTL INC CL A 609207105 320 7,969 SH   SOLE 7,969 0 0
NORTHROP GRUMMAN CORP COM 666807102 296 1,494 SH   SOLE 1,494 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 416 6,076 SH   SOLE 6,076 0 0
ORACLE CORP COM 68389X105 342 8,370 SH   SOLE 8,370 0 0
PEPSICO INC COM 713448108 912 8,896 SH   SOLE 8,896 0 0
PFIZER INC COM 717081103 488 16,450 SH   SOLE 16,450 0 0
PHILIP MORRIS INTL INC COM 718172109 704 7,177 SH   SOLE 7,177 0 0
PHILLIPS 66 COM 718546104 339 3,912 SH   SOLE 3,912 0 0
PITNEY BOWES INC COM 724479100 273 12,656 SH   SOLE 12,656 0 0
PROCTER & GAMBLE CO COM 742718109 800 9,717 SH   SOLE 9,717 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 562 11,918 SH   SOLE 11,918 0 0
SOUTHERN CO COM 842587107 422 8,165 SH   SOLE 8,165 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,265 10,749 SH   SOLE 10,749 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 607 12,396 SH   SOLE 12,396 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 970 23,402 SH   SOLE 23,402 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,599 12,645 SH   SOLE 12,645 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,093 15,578 SH   SOLE 15,578 0 0
STERLING BANCORP DEL COM 85917A100 223 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 108 18,702 SH   SOLE 18,702 0 0
SYNERGY PHARMACEUTICALS DEL COM NEW 871639308 29 10,500 SH   SOLE 10,500 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 608 11,357 SH   SOLE 11,357 0 0
UNION PAC CORP COM 907818108 628 7,892 SH   SOLE 7,892 0 0
UNITED TECHNOLOGIES CORP COM 913017109 290 2,900 SH   SOLE 2,900 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,066 12,874 SH   SOLE 12,874 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 478 2,533 SH   SOLE 2,533 0 0
VANGUARD INDEX FDS REIT ETF 922908553 386 4,604 SH   SOLE 4,604 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,778 184,315 SH   SOLE 184,315 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,498 12,359 SH   SOLE 12,359 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 16,949 205,713 SH   SOLE 205,713 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,356 22,476 SH   SOLE 22,476 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 637 14,756 SH   SOLE 14,756 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,138 235,340 SH   SOLE 235,340 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,252 28,136 SH   SOLE 28,136 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 9,355 115,144 SH   SOLE 115,144 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,972 28,570 SH   SOLE 28,570 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 622 7,247 SH   SOLE 7,247 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,213 22,434 SH   SOLE 22,434 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 204 2,417 SH   SOLE 2,417 0 0
WELLS FARGO & CO NEW COM 949746101 1,020 21,083 SH   SOLE 21,083 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 406 10,745 SH   SOLE 10,745 0 0
WISDOMTREE TR INTL LRGCAP DV 97717W794 843 20,135 SH   SOLE 20,135 0 0