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 369 2,631 SH   SOLE 2,631 0 0
ABBOTT LABS COM 002824100 332 8,663 SH   SOLE 8,663 0 0
ABBVIE INC COM 00287Y109 506 9,583 SH   SOLE 9,583 0 0
APPLE INC COM 037833100 712 1,269 SH   SOLE 1,269 0 0
AT&T INC COM 00206R102 1,486 42,261 SH   SOLE 42,261 0 0
BANK OF AMERICA CORPORATION COM 060505104 161 10,334 SH   SOLE 10,334 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,427 12,039 SH   SOLE 12,039 0 0
BIOGEN IDEC INC COM 09062X103 871 3,115 SH   SOLE 3,115 0 0
BOEING CO COM 097023105 478 3,505 SH   SOLE 3,505 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 546 10,274 SH   SOLE 10,274 0 0
CBOE HLDGS INC COM 12503M108 2,959 56,951 SH   SOLE 56,951 0 0
CHEVRON CORP NEW COM 166764100 550 4,405 SH   SOLE 4,405 0 0
CITIGROUP INC COM NEW 172967424 253 4,848 SH   SOLE 4,848 0 0
COCA COLA CO COM 191216100 316 7,639 SH   SOLE 7,639 0 0
COLGATE PALMOLIVE CO COM 194162103 481 7,369 SH   SOLE 7,369 0 0
CONOCOPHILLIPS COM 20825C104 357 5,047 SH   SOLE 5,047 0 0
CRA INTL INC COM 12618T105 434 21,925 SH   SOLE 21,925 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 232 3,306 SH   SOLE 3,306 0 0
EXXON MOBIL CORP COM 30231G102 2,119 20,935 SH   SOLE 20,935 0 0
FEDEX CORP COM 31428X106 331 2,300 SH   SOLE 2,300 0 0
GAP INC DEL COM 364760108 239 6,125 SH   SOLE 6,125 0 0
GENERAL ELECTRIC CO COM 369604103 901 32,130 SH   SOLE 32,130 0 0
GOOGLE INC CL A 38259P508 389 347 SH   SOLE 347 0 0
HERSHEY CO COM 427866108 287 2,953 SH   SOLE 2,953 0 0
IDENIX PHARMACEUTICALS INC COM 45166R204 60 10,000 SH   SOLE 10,000 0 0
INTEL CORP COM 458140100 252 9,708 SH   SOLE 9,708 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,014 5,404 SH   SOLE 5,404 0 0
ISHARES EMU ETF 464286608 720 17,391 SH   SOLE 17,391 0 0
ISHARES TIPS BD ETF 464287176 573 5,215 SH   SOLE 5,215 0 0
ISHARES CORE S&P500 ETF 464287200 15,812 85,171 SH   SOLE 85,171 0 0
ISHARES CORE TOTUSBD ETF 464287226 296 2,777 SH   SOLE 2,777 0 0
ISHARES MSCI EMG MKT ETF 464287234 1,425 34,088 SH   SOLE 34,088 0 0
ISHARES IBOXX INV CP ETF 464287242 2,283 19,994 SH   SOLE 19,994 0 0
ISHARES CORE S&P MCP ETF 464287507 35,212 263,151 SH   SOLE 263,151 0 0
ISHARES RUS 1000 VAL ETF 464287598 400 4,243 SH   SOLE 4,243 0 0
ISHARES RUS 1000 ETF 464287622 17,751 172,053 SH   SOLE 172,053 0 0
ISHARES RUSSELL 2000 ETF 464287655 363 3,149 SH   SOLE 3,149 0 0
ISHARES MSCI ACWI US ETF 464288240 2,335 50,040 SH   SOLE 50,040 0 0
ISHARES EAFE SML CP ETF 464288273 1,473 28,889 SH   SOLE 28,889 0 0
ISHARES JP MOR EM MK ETF 464288281 13,681 126,486 SH   SOLE 126,486 0 0
ISHARES IBOXX HI YD ETF 464288513 478 6,549 SH   SOLE 6,549 0 0
ISHARES USA ESG SLCT ETF 464288802 486 6,328 SH   SOLE 6,328 0 0
ISHARES EAFE VALUE ETF 464288877 247 4,325 SH   SOLE 4,325 0 0
ISHARES 0-5 YR TIPS ETF 46429B747 52,908 524,005 SH   SOLE 524,005 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,429 293,580 SH   SOLE 293,580 0 0
JOHNSON & JOHNSON COM 478160104 1,277 13,945 SH   SOLE 13,945 0 0
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 480 10,366 SH   SOLE 10,366 0 0
KIMBERLY CLARK CORP COM 494368103 303 2,902 SH   SOLE 2,902 0 0
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 13,736 504,059 SH   SOLE 504,059 0 0
MERCK & CO INC NEW COM 58933Y105 355 7,097 SH   SOLE 7,097 0 0
MICROSOFT CORP COM 594918104 326 8,723 SH   SOLE 8,723 0 0
ORACLE CORP COM 68389X105 374 9,782 SH   SOLE 9,782 0 0
PEPSICO INC COM 713448108 437 5,268 SH   SOLE 5,268 0 0
PFIZER INC COM 717081103 268 8,760 SH   SOLE 8,760 0 0
PPG INDS INC COM 693506107 222 1,171 SH   SOLE 1,171 0 0
PROCTER & GAMBLE CO COM 742718109 344 4,221 SH   SOLE 4,221 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 446 13,905 SH   SOLE 13,905 0 0
SIRIUS XM HLDGS INC COM 82968B103 39 11,300 SH   SOLE 11,300 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 762 6,560 SH   SOLE 6,560 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 305 7,334 SH   SOLE 7,334 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,215 29,492 SH   SOLE 29,492 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,586 14,003 SH   SOLE 14,003 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,583 18,769 SH   SOLE 18,769 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 714 29,394 SH   SOLE 29,394 0 0
STERLING BANCORP DEL COM 85917A100 2,325 173,882 SH   SOLE 173,882 0 0
STEWARDSHIP FINL CORP COM 860326107 100 20,702 SH   SOLE 20,702 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,275 13,532 SH   SOLE 13,532 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,112 10,581 SH   SOLE 10,581 0 0
UNITED TECHNOLOGIES CORP COM 913017109 259 2,279 SH   SOLE 2,279 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 274 3,419 SH   SOLE 3,419 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 386 2,282 SH   SOLE 2,282 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 12,975 133,251 SH   SOLE 133,251 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 918 8,342 SH   SOLE 8,342 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 12,792 167,451 SH   SOLE 167,451 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 278 2,901 SH   SOLE 2,901 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 287 2,786 SH   SOLE 2,786 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 771 15,203 SH   SOLE 15,203 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 15,765 383,200 SH   SOLE 383,200 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,286 46,341 SH   SOLE 46,341 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,873 144,509 SH   SOLE 144,509 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,107 26,549 SH   SOLE 26,549 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,789 14,147 SH   SOLE 14,147 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 576 11,726 SH   SOLE 11,726 0 0
WAL-MART STORES INC COM 931142103 322 4,087 SH   SOLE 4,087 0 0