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 1,182 7,663 SH   SOLE 7,663 0 0
ALTRIA GROUP INC COM 02209S103 304 6,221 SH   SOLE 6,221 0 0
APPLE INC COM 037833100 1,475 11,757 SH   SOLE 11,757 0 0
AT&T INC COM 00206R102 1,218 34,278 SH   SOLE 34,278 0 0
BANK AMER CORP COM 060505104 472 27,733 SH   SOLE 27,733 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 205 1 SH   SOLE 1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 388 2,854 SH   SOLE 2,854 0 0
BOEING CO COM 097023105 450 3,243 SH   SOLE 3,243 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 142 16,769 SH   SOLE 16,769 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 213 3,206 SH   SOLE 3,206 0 0
CHEVRON CORP NEW COM 166764100 211 2,185 SH   SOLE 2,185 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 240 9,111 SH   SOLE 9,111 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 214 9,648 SH   SOLE 9,648 0 0
COCA COLA CO COM 191216100 266 6,790 SH   SOLE 6,790 0 0
COLGATE PALMOLIVE CO COM 194162103 273 4,169 SH   SOLE 4,169 0 0
COMCAST CORP NEW CL A 20030N101 384 6,390 SH   SOLE 6,390 0 0
CONOCOPHILLIPS COM 20825C104 276 4,493 SH   SOLE 4,493 0 0
DISNEY WALT CO COM DISNEY 254687106 246 2,156 SH   SOLE 2,156 0 0
DOMINION RES INC VA NEW COM 25746U109 225 3,363 SH   SOLE 3,363 0 0
ENERGY TRANSFER EQUITY L P COM UT LTD PTN 29273V100 251 3,914 SH   SOLE 3,914 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 1,624 54,324 SH   SOLE 54,324 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 237 2,667 SH   SOLE 2,667 0 0
EXXON MOBIL CORP COM 30231G102 1,113 13,379 SH   SOLE 13,379 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 219 4,787 SH   SOLE 4,787 0 0
GENERAL ELECTRIC CO COM 369604103 779 29,327 SH   SOLE 29,327 0 0
GOOGLE INC CL A 38259P508 205 380 SH   SOLE 380 0 0
HEALTHEQUITY INC COM 42226A107 212 6,601 SH   SOLE 6,601 0 0
HERSHEY CO COM 427866108 345 3,881 SH   SOLE 3,881 0 0
HONEYWELL INTL INC COM 438516106 517 5,066 SH   SOLE 5,066 0 0
INTEL CORP COM 458140100 228 7,513 SH   SOLE 7,513 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 918 5,646 SH   SOLE 5,646 0 0
ISHARES GL HGYL CP ETF 464286210 440 9,357 SH   SOLE 9,357 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,768 244,094 SH   SOLE 244,094 0 0
ISHARES INC CORE MSCI EMKT 46434G103 16,254 338,346 SH   SOLE 338,346 0 0
ISHARES TR TIPS BD ETF 464287176 270 2,406 SH   SOLE 2,406 0 0
ISHARES TR CORE S&P500 ETF 464287200 13,853 66,852 SH   SOLE 66,852 0 0
ISHARES TR CORE US AGGBD ET 464287226 264 2,425 SH   SOLE 2,425 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,142 28,835 SH   SOLE 28,835 0 0
ISHARES TR IBOXX INV CP ETF 464287242 950 8,206 SH   SOLE 8,206 0 0
ISHARES TR S&P 500 VAL ETF 464287408 204 2,208 SH   SOLE 2,208 0 0
ISHARES TR MSCI EAFE ETF 464287465 301 4,734 SH   SOLE 4,734 0 0
ISHARES TR CORE S&P MCP ETF 464287507 38,199 254,695 SH   SOLE 254,695 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 363 3,516 SH   SOLE 3,516 0 0
ISHARES TR RUS 1000 ETF 464287622 17,273 148,856 SH   SOLE 148,856 0 0
ISHARES TR MSCI ACWI EX US 464288240 1,481 33,516 SH   SOLE 33,516 0 0
ISHARES TR EAFE SML CP ETF 464288273 11,759 230,481 SH   SOLE 230,481 0 0
ISHARES TR JP MOR EM MK ETF 464288281 24,309 221,154 SH   SOLE 221,154 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 514 5,141 SH   SOLE 5,141 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,031 17,686 SH   SOLE 17,686 0 0
JOHNSON & JOHNSON COM 478160104 1,340 13,754 SH   SOLE 13,754 0 0
KIMBERLY CLARK CORP COM 494368103 426 4,020 SH   SOLE 4,020 0 0
LOCKHEED MARTIN CORP COM 539830109 506 2,723 SH   SOLE 2,723 0 0
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 22,732 921,425 SH   SOLE 921,425 0 0
MEDIVATION INC COM 58501N101 240 2,102 SH   SOLE 2,102 0 0
MERCK & CO INC NEW COM 58933Y105 380 6,682 SH   SOLE 6,682 0 0
MICROSOFT CORP COM 594918104 297 6,720 SH   SOLE 6,720 0 0
NORTHROP GRUMMAN CORP COM 666807102 237 1,494 SH   SOLE 1,494 0 0
PEPSICO INC COM 713448108 598 6,405 SH   SOLE 6,405 0 0
PFIZER INC COM 717081103 286 8,527 SH   SOLE 8,527 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 370 3,705 SH   SOLE 3,705 0 0
PITNEY BOWES INC COM 724479100 263 12,656 SH   SOLE 12,656 0 0
PROCTER & GAMBLE CO COM 742718109 337 4,301 SH   SOLE 4,301 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 441 11,223 SH   SOLE 11,223 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 412 3,670 SH   SOLE 3,670 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 640 13,972 SH   SOLE 13,972 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,088 26,001 SH   SOLE 26,001 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,804 13,623 SH   SOLE 13,623 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,803 17,581 SH   SOLE 17,581 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 494 20,348 SH   SOLE 20,348 0 0
STERLING BANCORP DEL COM 85917A100 206 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 125 20,702 SH   SOLE 20,702 0 0
UNION PAC CORP COM 907818108 728 7,636 SH   SOLE 7,636 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 613 7,544 SH   SOLE 7,544 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 536 2,837 SH   SOLE 2,837 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 17,594 163,197 SH   SOLE 163,197 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 992 7,787 SH   SOLE 7,787 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 14,777 177,272 SH   SOLE 177,272 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 450 4,206 SH   SOLE 4,206 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 230 2,260 SH   SOLE 2,260 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 589 12,127 SH   SOLE 12,127 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,004 318,104 SH   SOLE 318,104 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 352 7,230 SH   SOLE 7,230 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 6,837 85,919 SH   SOLE 85,919 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 9,801 124,732 SH   SOLE 124,732 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 910 8,507 SH   SOLE 8,507 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 844 18,109 SH   SOLE 18,109 0 0