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 1,716 9,735 SH   SOLE 9,735 0 0
ABBVIE INC COM 00287Y109 257 4,073 SH   SOLE 4,073 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 810 6,627 SH   SOLE 6,627 0 0
ADOBE SYS INC COM 00724F101 407 3,751 SH   SOLE 3,751 0 0
ALPHABET INC CAP STK CL A 02079K305 549 683 SH   SOLE 683 0 0
ALPHABET INC CAP STK CL C 02079K107 461 593 SH   SOLE 593 0 0
ALTRIA GROUP INC COM 02209S103 1,081 17,102 SH   SOLE 17,102 0 0
APPLE INC COM 037833100 1,260 11,143 SH   SOLE 11,143 0 0
AT&T INC COM 00206R102 1,678 41,330 SH   SOLE 41,330 0 0
BANK AMER CORP COM 060505104 482 30,809 SH   SOLE 30,809 0 0
BANK NEW YORK MELLON CORP COM 064058100 315 7,905 SH   SOLE 7,905 0 0
BARCLAYS BK PLC IPSP CROIL ETN 06738C786 68 11,740 SH   SOLE 11,740 0 0
BAXTER INTL INC COM 071813109 303 6,366 SH   SOLE 6,366 0 0
BECTON DICKINSON & CO COM 075887109 227 1,266 SH   SOLE 1,266 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 504 3,488 SH   SOLE 3,488 0 0
BLACKROCK INC COM 09247X101 636 1,753 SH   SOLE 1,753 0 0
BOEING CO COM 097023105 426 3,236 SH   SOLE 3,236 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 141 16,769 SH   SOLE 16,769 0 0
CHEVRON CORP NEW COM 166764100 237 2,305 SH   SOLE 2,305 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 243 9,413 SH   SOLE 9,413 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 215 9,761 SH   SOLE 9,761 0 0
COCA COLA CO COM 191216100 321 7,590 SH   SOLE 7,590 0 0
COLGATE PALMOLIVE CO COM 194162103 353 4,765 SH   SOLE 4,765 0 0
COMCAST CORP NEW CL A 20030N101 392 5,906 SH   SOLE 5,906 0 0
CONOCOPHILLIPS COM 20825C104 294 6,753 SH   SOLE 6,753 0 0
CSX CORP COM 126408103 345 11,306 SH   SOLE 11,306 0 0
CTI BIOPHARMA CORP COM 12648l106 9 25,000 SH   SOLE 25,000 0 0
DISNEY WALT CO COM DISNEY 254687106 357 3,850 SH   SOLE 3,850 0 0
DOMINION RES INC VA NEW COM 25746U109 211 2,835 SH   SOLE 2,835 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 207 2,933 SH   SOLE 2,933 0 0
EXXON MOBIL CORP COM 30231G102 2,168 25,402 SH   SOLE 25,402 0 0
FACEBOOK INC CL A 30303M102 280 2,181 SH   SOLE 2,181 0 0
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 226 2,264 SH   SOLE 2,264 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 278 4,787 SH   SOLE 4,787 0 0
GENERAL ELECTRIC CO COM 369604103 1,332 44,968 SH   SOLE 44,968 0 0
HARRIS CORP DEL COM 413875105 459 5,013 SH   SOLE 5,013 0 0
HERSHEY CO COM 427866108 271 2,830 SH   SOLE 2,830 0 0
HONEYWELL INTL INC COM 438516106 570 4,889 SH   SOLE 4,889 0 0
ILLINOIS TOOL WKS INC COM 452308109 573 4,784 SH   SOLE 4,784 0 0
INTEL CORP COM 458140100 1,030 27,292 SH   SOLE 27,292 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,437 9,045 SH   SOLE 9,045 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,108 166,079 SH   SOLE 166,079 0 0
ISHARES INC CORE MSCI EMKT 46434G103 36,377 797,577 SH   SOLE 797,577 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,826 33,121 SH   SOLE 33,121 0 0
ISHARES TR CORE S&P MCP ETF 464287507 37,778 244,185 SH   SOLE 244,185 0 0
ISHARES TR CORE S&P SCP ETF 464287804 263 2,116 SH   SOLE 2,116 0 0
ISHARES TR CORE S&P500 ETF 464287200 11,170 51,341 SH   SOLE 51,341 0 0
ISHARES TR EAFE SML CP ETF 464288273 11,745 224,103 SH   SOLE 224,103 0 0
ISHARES TR JP MOR EM MK ETF 464288281 57,280 488,691 SH   SOLE 488,691 0 0
ISHARES TR MSCI ACWI EX US 464288240 917 22,101 SH   SOLE 22,101 0 0
ISHARES TR NASDQ BIOTEC ETF 464287556 1,100 3,800 SH   SOLE 3,800 0 0
ISHARES TR RUS 1000 ETF 464287622 15,230 126,432 SH   SOLE 126,432 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,042 10,005 SH   SOLE 10,005 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 849 8,039 SH   SOLE 8,039 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,705 25,822 SH   SOLE 25,822 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 302 2,428 SH   SOLE 2,428 0 0
ISHARES TR S&P 500 VAL ETF 464287408 210 2,209 SH   SOLE 2,209 0 0
ISHARES TR SP SMCP600GR ETF 464287887 364 2,652 SH   SOLE 2,652 0 0
ISHARES TR TIPS BD ETF 464287176 320 2,747 SH   SOLE 2,747 0 0
ISHARES TR US HLTHCARE ETF 464287762 256 1,707 SH   SOLE 1,707 0 0
JOHNSON & JOHNSON COM 478160104 2,030 17,182 SH   SOLE 17,182 0 0
JPMORGAN CHASE & CO COM 46625H100 221 3,321 SH   SOLE 3,321 0 0
KIMBERLY CLARK CORP COM 494368103 520 4,120 SH   SOLE 4,120 0 0
KRAFT HEINZ CO COM 500754106 381 4,260 SH   SOLE 4,260 0 0
LOCKHEED MARTIN CORP COM 539830109 1,696 7,073 SH   SOLE 7,073 0 0
LOWES COS INC COM 548661107 354 4,897 SH   SOLE 4,897 0 0
MEDTRONIC PLC SHS G5960L103 574 6,645 SH   SOLE 6,645 0 0
MERCK & CO INC COM 58933Y105 579 9,277 SH   SOLE 9,277 0 0
MICROSOFT CORP COM 594918104 1,393 24,177 SH   SOLE 24,177 0 0
MONDELEZ INTL INC CL A 609207105 361 8,228 SH   SOLE 8,228 0 0
NORTHROP GRUMMAN CORP COM 666807102 362 1,694 SH   SOLE 1,694 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 423 5,799 SH   SOLE 5,799 0 0
ORACLE CORP COM 68389X105 430 10,940 SH   SOLE 10,940 0 0
PEPSICO INC COM 713448108 1,097 10,083 SH   SOLE 10,083 0 0
PFIZER INC COM 717081103 742 21,902 SH   SOLE 21,902 0 0
PHILIP MORRIS INTL INC COM 718172109 747 7,681 SH   SOLE 7,681 0 0
PHILLIPS 66 COM 718546104 299 3,718 SH   SOLE 3,718 0 0
PITNEY BOWES INC COM 724479100 230 12,656 SH   SOLE 12,656 0 0
PROCTER AND GAMBLE CO COM 742718109 965 10,756 SH   SOLE 10,756 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 440 10,518 SH   SOLE 10,518 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 202 3,762 SH   SOLE 3,762 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 964 7,669 SH   SOLE 7,669 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 659 13,226 SH   SOLE 13,226 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 926 22,195 SH   SOLE 22,195 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,707 12,514 SH   SOLE 12,514 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,337 15,364 SH   SOLE 15,364 0 0
SPDR SER TR NUVN BR SHT MUNI 78468R739 341 6,984 SH   SOLE 6,984 0 0
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 201 1,878 SH   SOLE 1,878 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 220 3,314 SH   SOLE 3,314 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 205 2,430 SH   SOLE 2,430 0 0
STERLING BANCORP DEL COM 85917A100 245 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 147 18,702 SH   SOLE 18,702 0 0
SYNERGY PHARMACEUTICALS DEL COM NEW 871639308 58 10,500 SH   SOLE 10,500 0 0
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 516 11,223 SH   SOLE 11,223 0 0
UNION PAC CORP COM 907818108 766 7,854 SH   SOLE 7,854 0 0
UNITED TECHNOLOGIES CORP COM 913017109 282 2,780 SH   SOLE 2,780 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 692 26,169 SH   SOLE 26,169 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 996 11,841 SH   SOLE 11,841 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,559 12,048 SH   SOLE 12,048 0 0
VANGUARD INDEX FDS REIT ETF 922908553 403 4,649 SH   SOLE 4,649 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 473 2,382 SH   SOLE 2,382 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,698 168,965 SH   SOLE 168,965 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 229 1,734 SH   SOLE 1,734 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,362 12,236 SH   SOLE 12,236 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 20,227 232,496 SH   SOLE 232,496 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 536 11,799 SH   SOLE 11,799 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,365 222,287 SH   SOLE 222,287 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,053 13,070 SH   SOLE 13,070 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,071 96,169 SH   SOLE 96,169 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 2,052 28,450 SH   SOLE 28,450 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 588 6,016 SH   SOLE 6,016 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,391 24,931 SH   SOLE 24,931 0 0