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
APPLE INC COM 037833100 342 864 SH   SOLE 864 0 0
AT&T INC COM 00206R102 1,044 29,505 SH   SOLE 29,505 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,347 12,039 SH   SOLE 12,039 0 0
BIOGEN IDEC INC COM 09062X103 670 3,115 SH   SOLE 3,115 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 368 8,244 SH   SOLE 8,244 0 0
CHEVRON CORP NEW COM 166764100 278 2,351 SH   SOLE 2,351 0 0
COCA COLA CO COM 191216100 283 7,062 SH   SOLE 7,062 0 0
COLGATE PALMOLIVE CO COM 194162103 422 7,368 SH   SOLE 7,368 0 0
CRA INTL INC COM 12618T105 543 29,425 SH   SOLE 29,425 0 0
EXXON MOBIL CORP COM 30231G102 1,678 18,569 SH   SOLE 18,569 0 0
GENERAL ELECTRIC CO COM 369604103 593 25,581 SH   SOLE 25,581 0 0
GOOGLE INC CL A 38259P508 240 273 SH   SOLE 273 0 0
HERSHEY CO COM 427866108 291 3,257 SH   SOLE 3,257 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,045 5,469 SH   SOLE 5,469 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,248 187,462 SH   SOLE 187,462 0 0
ISHARES TR BARCLYS TIPS BD 464287176 866 7,730 SH   SOLE 7,730 0 0
ISHARES TR CORE S&P500 ETF 464287200 15,124 94,005 SH   SOLE 94,005 0 0
ISHARES TR MSCI EMERG MKT 464287234 1,022 26,545 SH   SOLE 26,545 0 0
ISHARES TR S&P 500 VALUE 464287408 213 2,813 SH   SOLE 2,813 0 0
ISHARES TR CORE S&P MCP ETF 464287507 28,366 245,589 SH   SOLE 245,589 0 0
ISHARES TR RUSSELL1000VAL 464287598 271 3,232 SH   SOLE 3,232 0 0
ISHARES TR RUSSELL 1000 464287622 16,868 187,563 SH   SOLE 187,563 0 0
ISHARES TR MSCI ACWI EX 464288240 2,312 56,802 SH   SOLE 56,802 0 0
ISHARES TR MSCI SMALL CAP 464288273 965 23,008 SH   SOLE 23,008 0 0
ISHARES TR MSCI ESG SEL SOC 464288802 428 6,328 SH   SOLE 6,328 0 0
ISHARES TR MSCI VAL IDX 464288877 247 5,104 SH   SOLE 5,104 0 0
ISHARES TR BRC 0-5 YR TIP 46429B747 50,796 504,535 SH   SOLE 504,535 0 0
JOHNSON & JOHNSON COM 478160104 723 8,424 SH   SOLE 8,424 0 0
MERCK & CO INC NEW COM 58933Y105 276 5,937 SH   SOLE 5,937 0 0
PFIZER INC COM 717081103 217 7,759 SH   SOLE 7,759 0 0
PROCTER & GAMBLE CO COM 742718109 247 3,202 SH   SOLE 3,202 0 0
PROVIDENT NEW YORK BANCORP COM 744028101 2,038 218,156 SH   SOLE 218,156 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 361 11,051 SH   SOLE 11,051 0 0
SIRIUS XM RADIO INC COM 82967N108 38 11,300 SH   SOLE 11,300 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,653 13,875 SH   SOLE 13,875 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,250 31,332 SH   SOLE 31,332 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,115 13,185 SH   SOLE 13,185 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,386 20,876 SH   SOLE 20,876 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 802 33,567 SH   SOLE 33,567 0 0
STEWARDSHIP FINL CORP COM 860326107 110 20,702 SH   SOLE 20,702 0 0
UNITED PARCEL SERVICE INC CL B 911312106 919 10,623 SH   SOLE 10,623 0 0
VANGUARD INDEX FDS S&P 500 ETF SH 922908413 415 5,662 SH   SOLE 5,662 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 11,489 137,263 SH   SOLE 137,263 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 912 9,583 SH   SOLE 9,583 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 10,657 157,620 SH   SOLE 157,620 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 375 4,535 SH   SOLE 4,535 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 235 2,630 SH   SOLE 2,630 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 603 13,644 SH   SOLE 13,644 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,937 333,469 SH   SOLE 333,469 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,135 153,104 SH   SOLE 153,104 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,350 20,897 SH   SOLE 20,897 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 524 10,415 SH   SOLE 10,415 0 0