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 2,791 14,589 SH   SOLE 14,589 0 0
ABBVIE INC COM 00287Y109 266 4,078 SH   SOLE 4,078 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 786 6,553 SH   SOLE 6,553 0 0
ADOBE SYS INC COM 00724F101 488 3,751 SH   SOLE 3,751 0 0
AFLAC INC COM 001055102 747 10,315 SH   SOLE 10,315 0 0
ALPHABET INC CAP STK CL A 02079K305 547 645 SH   SOLE 645 0 0
ALPHABET INC CAP STK CL C 02079K107 477 575 SH   SOLE 575 0 0
ALTRIA GROUP INC COM 02209S103 1,251 17,518 SH   SOLE 17,518 0 0
AMAZON COM INC COM 023135106 238 269 SH   SOLE 269 0 0
AMERICAN EXPRESS CO COM 025816109 1,018 12,873 SH   SOLE 12,873 0 0
APPLE INC COM 037833100 1,740 12,112 SH   SOLE 12,112 0 0
AT&T INC COM 00206R102 1,709 41,142 SH   SOLE 41,142 0 0
BANK AMER CORP COM 060505104 1,227 52,031 SH   SOLE 52,031 0 0
BANK NEW YORK MELLON CORP COM 064058100 353 7,473 SH   SOLE 7,473 0 0
BB&T CORP COM 054937107 860 19,237 SH   SOLE 19,237 0 0
BECTON DICKINSON & CO COM 075887109 215 1,175 SH   SOLE 1,175 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 655 3,928 SH   SOLE 3,928 0 0
BLACKROCK INC COM 09247X101 446 1,162 SH   SOLE 1,162 0 0
BOEING CO COM 097023105 731 4,135 SH   SOLE 4,135 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 158 17,027 SH   SOLE 17,027 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 292 5,369 SH   SOLE 5,369 0 0
CENTENE CORP DEL COM 15135B101 359 5,035 SH   SOLE 5,035 0 0
CHEVRON CORP NEW COM 166764100 431 4,015 SH   SOLE 4,015 0 0
COCA COLA CO COM 191216100 398 9,380 SH   SOLE 9,380 0 0
COLGATE PALMOLIVE CO COM 194162103 345 4,714 SH   SOLE 4,714 0 0
COMCAST CORP NEW CL A 20030N101 430 11,448 SH   SOLE 11,448 0 0
CONOCOPHILLIPS COM 20825C104 299 6,000 SH   SOLE 6,000 0 0
CSX CORP COM 126408103 326 6,997 SH   SOLE 6,997 0 0
DISNEY WALT CO COM DISNEY 254687106 483 4,263 SH   SOLE 4,263 0 0
DOMINION RES INC VA NEW COM 25746U109 220 2,835 SH   SOLE 2,835 0 0
EXXON MOBIL CORP COM 30231G102 2,267 27,642 SH   SOLE 27,642 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 352 5,787 SH   SOLE 5,787 0 0
FRANKLIN COVEY CO COM 353469109 520 25,762 SH   SOLE 25,762 0 0
GENERAL ELECTRIC CO COM 369604103 1,998 67,036 SH   SOLE 67,036 0 0
HARRIS CORP DEL COM 413875105 321 2,889 SH   SOLE 2,889 0 0
HERSHEY CO COM 427866108 309 2,830 SH   SOLE 2,830 0 0
HOME DEPOT INC COM 437076102 442 3,011 SH   SOLE 3,011 0 0
HONEYWELL INTL INC COM 438516106 721 5,773 SH   SOLE 5,773 0 0
ILLINOIS TOOL WKS INC COM 452308109 469 3,541 SH   SOLE 3,541 0 0
INTEL CORP COM 458140100 1,120 31,051 SH   SOLE 31,051 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,795 10,310 SH   SOLE 10,310 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,765 146,986 SH   SOLE 146,986 0 0
ISHARES INC CORE MSCI EMKT 46434G103 38,081 796,846 SH   SOLE 796,846 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 80,654 795,008 SH   SOLE 795,008 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,098 36,210 SH   SOLE 36,210 0 0
ISHARES TR CORE S&P MCP ETF 464287507 39,475 230,554 SH   SOLE 230,554 0 0
ISHARES TR CORE S&P SCP ETF 464287804 281 4,060 SH   SOLE 4,060 0 0
ISHARES TR CORE S&P500 ETF 464287200 11,152 47,001 SH   SOLE 47,001 0 0
ISHARES TR EAFE SML CP ETF 464288273 12,048 222,531 SH   SOLE 222,531 0 0
ISHARES TR JP MOR EM MK ETF 464288281 59,064 519,475 SH   SOLE 519,475 0 0
ISHARES TR MSCI ACWI EX US 464288240 876 20,090 SH   SOLE 20,090 0 0
ISHARES TR NASDQ BIOTEC ETF 464287556 972 3,315 SH   SOLE 3,315 0 0
ISHARES TR RUS 1000 ETF 464287622 15,279 116,410 SH   SOLE 116,410 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,366 12,004 SH   SOLE 12,004 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 972 8,456 SH   SOLE 8,456 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 5,212 44,107 SH   SOLE 44,107 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 246 1,787 SH   SOLE 1,787 0 0
ISHARES TR S&P 500 VAL ETF 464287408 258 2,480 SH   SOLE 2,480 0 0
ISHARES TR SP SMCP600GR ETF 464287887 252 1,648 SH   SOLE 1,648 0 0
ISHARES TR US HLTHCARE ETF 464287762 217 1,391 SH   SOLE 1,391 0 0
JOHNSON & JOHNSON COM 478160104 2,324 18,655 SH   SOLE 18,655 0 0
JPMORGAN CHASE & CO COM 46625H100 332 3,783 SH   SOLE 3,783 0 0
KIMBERLY CLARK CORP COM 494368103 542 4,121 SH   SOLE 4,121 0 0
KRAFT HEINZ CO COM 500754106 387 4,258 SH   SOLE 4,258 0 0
LAKELAND BANCORP INC COM 511637100 292 14,875 SH   SOLE 14,875 0 0
LILLY ELI & CO COM 532457108 238 2,824 SH   SOLE 2,824 0 0
LOCKHEED MARTIN CORP COM 539830109 1,657 6,191 SH   SOLE 6,191 0 0
LOEWS CORP COM 540424108 702 15,000 SH   SOLE 15,000 0 0
LOWES COS INC COM 548661107 405 4,927 SH   SOLE 4,927 0 0
LULULEMON ATHLETICA INC COM 550021109 402 7,741 SH   SOLE 7,741 0 0
MEDTRONIC PLC SHS G5960L103 312 3,874 SH   SOLE 3,874 0 0
MERCK & CO INC COM 58933Y105 572 9,006 SH   SOLE 9,006 0 0
MICROSOFT CORP COM 594918104 2,562 38,906 SH   SOLE 38,906 0 0
MONDELEZ INTL INC CL A 609207105 349 8,101 SH   SOLE 8,101 0 0
NATIONAL COMM CORP COM 63546L102 1,550 42,357 SH   SOLE 42,357 0 0
NORFOLK SOUTHERN CORP COM 655844108 326 2,908 SH   SOLE 2,908 0 0
NORTHROP GRUMMAN CORP COM 666807102 403 1,694 SH   SOLE 1,694 0 0
ORACLE CORP COM 68389X105 366 8,194 SH   SOLE 8,194 0 0
PEPSICO INC COM 713448108 1,569 14,024 SH   SOLE 14,024 0 0
PFIZER INC COM 717081103 946 27,660 SH   SOLE 27,660 0 0
PHILIP MORRIS INTL INC COM 718172109 754 6,682 SH   SOLE 6,682 0 0
PHILLIPS 66 COM 718546104 213 2,690 SH   SOLE 2,690 0 0
PITNEY BOWES INC COM 724479100 166 12,656 SH   SOLE 12,656 0 0
PROCTER AND GAMBLE CO COM 742718109 980 10,912 SH   SOLE 10,912 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 478 10,778 SH   SOLE 10,778 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 622 5,237 SH   SOLE 5,237 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,127 23,943 SH   SOLE 23,943 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 766 20,487 SH   SOLE 20,487 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,794 11,852 SH   SOLE 11,852 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,585 14,675 SH   SOLE 14,675 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 270 5,575 SH   SOLE 5,575 0 0
STATE STR CORP COM 857477103 317 3,976 SH   SOLE 3,976 0 0
STERLING BANCORP DEL COM 85917A100 285 12,024 SH   SOLE 12,024 0 0
STEWARDSHIP FINL CORP COM 860326107 160 18,702 SH   SOLE 18,702 0 0
TIME WARNER INC COM NEW 887317303 209 2,143 SH   SOLE 2,143 0 0
UNION PAC CORP COM 907818108 832 7,854 SH   SOLE 7,854 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 325 14,258 SH   SOLE 14,258 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 385 4,753 SH   SOLE 4,753 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,628 11,691 SH   SOLE 11,691 0 0
VANGUARD INDEX FDS REIT ETF 922908553 450 5,443 SH   SOLE 5,443 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 666 3,078 SH   SOLE 3,078 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,598 151,377 SH   SOLE 151,377 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 252 1,794 SH   SOLE 1,794 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,258 10,366 SH   SOLE 10,366 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 21,715 227,690 SH   SOLE 227,690 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 312 6,531 SH   SOLE 6,531 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,013 226,924 SH   SOLE 226,924 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 883 11,079 SH   SOLE 11,079 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,060 89,618 SH   SOLE 89,618 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,018 12,786 SH   SOLE 12,786 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 1,158 14,911 SH   SOLE 14,911 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 501 5,184 SH   SOLE 5,184 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,086 22,287 SH   SOLE 22,287 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 204 2,451 SH   SOLE 2,451 0 0