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
AFLAC INC COM 001055102 974 20,688 SH   SOLE   0 0 20,688
AT&T INC COM 00206R102 1,338 39,852 SH   SOLE   0 0 39,852
ABBOTT LABS COM 002824100 360 4,905 SH   SOLE   0 0 4,905
ABBVIE INC COM 00287Y109 327 3,462 SH   SOLE   0 0 3,462
ADOBE SYS INC COM 00724F101 907 3,360 SH   SOLE   0 0 3,360
AEROHIVE NETWORKS INC COM 007786106 189 45,836 SH   SOLE   0 0 45,836
ALARM COM HLDGS INC COM 011642105 210 3,666 SH   SOLE   0 0 3,666
ALPHABET INC CAP STK CL C 02079K107 715 599 SH   SOLE   0 0 599
ALPHABET INC CAP STK CL A 02079K305 884 732 SH   SOLE   0 0 732
ALTRIA GROUP INC COM 02209S103 1,008 16,715 SH   SOLE   0 0 16,715
AMAZON COM INC COM 023135106 573 286 SH   SOLE   0 0 286
AMERICAN EXPRESS CO COM 025816109 1,382 12,977 SH   SOLE   0 0 12,977
AMGEN INC COM 031162100 4,793 23,120 SH   SOLE   0 0 23,120
APPLE INC COM 037833100 4,625 20,490 SH   SOLE   0 0 20,490
AUTOMATIC DATA PROCESSING IN COM 053015103 376 2,498 SH   SOLE   0 0 2,498
BB&T CORP COM 054937107 970 19,990 SH   SOLE   0 0 19,990
BANK AMER CORP COM 060505104 1,436 48,761 SH   SOLE   0 0 48,761
BANK NEW YORK MELLON CORP COM 064058100 286 5,612 SH   SOLE   0 0 5,612
BECTON DICKINSON & CO COM 075887109 288 1,102 SH   SOLE   0 0 1,102
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,237 5,777 SH   SOLE   0 0 5,777
BLACKROCK INC COM 09247X101 289 614 SH   SOLE   0 0 614
BOEING CO COM 097023105 961 2,585 SH   SOLE   0 0 2,585
BOULDER GROWTH & INCOME FD I COM 101507101 188 16,769 SH   SOLE   0 0 16,769
BRISTOL MYERS SQUIBB CO COM 110122108 331 5,338 SH   SOLE   0 0 5,338
CENTENE CORP DEL COM 15135B101 756 5,221 SH   SOLE   0 0 5,221
CHEVRON CORP NEW COM 166764100 835 6,827 SH   SOLE   0 0 6,827
CISCO SYS INC COM 17275R102 591 12,153 SH   SOLE   0 0 12,153
CITIGROUP INC COM NEW 172967424 220 3,072 SH   SOLE   0 0 3,072
COCA COLA CO COM 191216100 506 10,944 SH   SOLE   0 0 10,944
COLGATE PALMOLIVE CO COM 194162103 314 4,692 SH   SOLE   0 0 4,692
COMCAST CORP NEW CL A 20030N101 470 13,273 SH   SOLE   0 0 13,273
COMMUNITY HEALTH SYS INC NEW RIGHT 12/31/2019 203668116 0 20,000 SH   SOLE   0 0 20,000
CONOCOPHILLIPS COM 20825C104 304 3,929 SH   SOLE   0 0 3,929
COSTCO WHSL CORP NEW COM 22160K105 251 1,068 SH   SOLE   0 0 1,068
DEERE & CO COM 244199105 218 1,450 SH   SOLE   0 0 1,450
DISNEY WALT CO COM DISNEY 254687106 413 3,531 SH   SOLE   0 0 3,531
DOWDUPONT INC COM 26078J100 312 4,849 SH   SOLE   0 0 4,849
EATON VANCE CORP COM NON VTG 278265103 6,555 124,711 SH   SOLE   0 0 124,711
ESSENDANT INC COM 296689102 153 11,945 SH   SOLE   0 0 11,945
EXPRESS SCRIPTS HLDG CO COM 30219G108 218 2,298 SH   SOLE   0 0 2,298
EXXON MOBIL CORP COM 30231G102 2,441 28,714 SH   SOLE   0 0 28,714
FACEBOOK INC CL A 30303M102 320 1,946 SH   SOLE   0 0 1,946
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 267 1,683 SH   SOLE   0 0 1,683
FORTUNE BRANDS HOME & SEC IN COM 34964C106 306 5,842 SH   SOLE   0 0 5,842
FRANKLIN COVEY CO COM 353469109 224 9,491 SH   SOLE   0 0 9,491
GENERAL ELECTRIC CO COM 369604103 658 58,283 SH   SOLE   0 0 58,283
GILEAD SCIENCES INC COM 375558103 206 2,667 SH   SOLE   0 0 2,667
HERSHEY CO COM 427866108 297 2,911 SH   SOLE   0 0 2,911
HINGHAM INSTN SVGS MASS COM 433323102 242 1,102 SH   SOLE   0 0 1,102
HOME DEPOT INC COM 437076102 1,003 4,842 SH   SOLE   0 0 4,842
HONEYWELL INTL INC COM 438516106 1,187 7,136 SH   SOLE   0 0 7,136
ILLINOIS TOOL WKS INC COM 452308109 283 2,007 SH   SOLE   0 0 2,007
INTEL CORP COM 458140100 1,095 23,151 SH   SOLE   0 0 23,151
INTERNATIONAL BUSINESS MACHS COM 459200101 1,637 10,827 SH   SOLE   0 0 10,827
INVESCO QQQ TR UNIT SER 1 46090E103 272 1,463 SH   SOLE   0 0 1,463
IROBOT CORP COM 462726100 330 3,000 SH   SOLE   0 0 3,000
ISHARES GOLD TRUST ISHARES 464285105 976 85,421 SH   SOLE   0 0 85,421
ISHARES TR CORE S&P500 ETF 464287200 13,797 47,134 SH   SOLE   0 0 47,134
ISHARES TR S&P 500 GRWT ETF 464287309 493 2,785 SH   SOLE   0 0 2,785
ISHARES TR S&P 500 VAL ETF 464287408 247 2,135 SH   SOLE   0 0 2,135
ISHARES TR 1 3 YR TREAS BD 464287457 282 3,392 SH   SOLE   0 0 3,392
ISHARES TR MSCI EAFE ETF 464287465 456 6,703 SH   SOLE   0 0 6,703
ISHARES TR RUS MID CAP ETF 464287499 523 2,371 SH   SOLE   0 0 2,371
ISHARES TR CORE S&P MCP ETF 464287507 44,532 221,235 SH   SOLE   0 0 221,235
ISHARES TR NASDAQ BIOTECH 464287556 937 7,680 SH   SOLE   0 0 7,680
ISHARES TR RUS 1000 VAL ETF 464287598 1,132 8,943 SH   SOLE   0 0 8,943
ISHARES TR RUS 1000 GRW ETF 464287614 3,518 22,555 SH   SOLE   0 0 22,555
ISHARES TR RUS 1000 ETF 464287622 16,854 104,225 SH   SOLE   0 0 104,225
ISHARES TR RUS 2000 VAL ETF 464287630 11,267 84,714 SH   SOLE   0 0 84,714
ISHARES TR RUSSELL 2000 ETF 464287655 320 1,896 SH   SOLE   0 0 1,896
ISHARES TR S&P MC 400VL ETF 464287705 509 3,042 SH   SOLE   0 0 3,042
ISHARES TR US HLTHCARE ETF 464287762 280 1,382 SH   SOLE   0 0 1,382
ISHARES TR CORE S&P SCP ETF 464287804 599 6,861 SH   SOLE   0 0 6,861
ISHARES TR SP SMCP600VL ETF 464287879 276 1,654 SH   SOLE   0 0 1,654
ISHARES TR S&P SML 600 GWT 464287887 1,539 7,627 SH   SOLE   0 0 7,627
ISHARES TR MSCI ACWI EX US 464288240 721 15,111 SH   SOLE   0 0 15,111
ISHARES TR MSCI ACWI ETF 464288257 223 3,000 SH   SOLE   0 0 3,000
ISHARES TR EAFE SML CP ETF 464288273 14,123 226,761 SH   SOLE   0 0 226,761
ISHARES TR JPMORGAN USD EMG 464288281 39,587 367,193 SH   SOLE   0 0 367,193
ISHARES TR SHORT TREAS BD 464288679 3,150 28,523 SH   SOLE   0 0 28,523
ISHARES TR 0-5 YR TIPS ETF 46429B747 123,141 1,246,620 SH   SOLE   0 0 1,246,620
ISHARES TR CORE MSCI EAFE 46432F842 3,036 47,377 SH   SOLE   0 0 47,377
ISHARES INC CORE MSCI EMKT 46434G103 46,160 891,467 SH   SOLE   0 0 891,467
JPMORGAN CHASE & CO COM 46625H100 472 4,186 SH   SOLE   0 0 4,186
JOHNSON & JOHNSON COM 478160104 2,091 15,136 SH   SOLE   0 0 15,136
JUST ENERGY GROUP INC COM 48213W101 62 20,000 SH   SOLE   0 0 20,000
KIMBERLY CLARK CORP COM 494368103 214 1,885 SH   SOLE   0 0 1,885
KRAFT HEINZ CO COM 500754106 223 4,039 SH   SOLE   0 0 4,039
LOCKHEED MARTIN CORP COM 539830109 1,396 4,035 SH   SOLE   0 0 4,035
LOEWS CORP COM 540424108 753 15,000 SH   SOLE   0 0 15,000
LOWES COS INC COM 548661107 427 3,722 SH   SOLE   0 0 3,722
MCDONALDS CORP COM 580135101 232 1,387 SH   SOLE   0 0 1,387
MERCK & CO INC COM 58933Y105 1,543 21,756 SH   SOLE   0 0 21,756
MICROSOFT CORP COM 594918104 4,005 35,017 SH   SOLE   0 0 35,017
MONDELEZ INTL INC CL A 609207105 336 7,821 SH   SOLE   0 0 7,821
NATIONAL COMM CORP COM 63546L102 265 6,412 SH   SOLE   0 0 6,412
NORFOLK SOUTHERN CORP COM 655844108 497 2,753 SH   SOLE   0 0 2,753
NORTHROP GRUMMAN CORP COM 666807102 464 1,463 SH   SOLE   0 0 1,463
ORACLE CORP COM 68389X105 337 6,543 SH   SOLE   0 0 6,543
PEPSICO INC COM 713448108 1,582 14,150 SH   SOLE   0 0 14,150
PFIZER INC COM 717081103 1,198 27,195 SH   SOLE   0 0 27,195
PHILIP MORRIS INTL INC COM 718172109 398 4,875 SH   SOLE   0 0 4,875
PHILLIPS 66 COM 718546104 250 2,219 SH   SOLE   0 0 2,219
PITNEY BOWES INC COM 724479100 90 12,656 SH   SOLE   0 0 12,656
PROCTER AND GAMBLE CO COM 742718109 919 11,041 SH   SOLE   0 0 11,041
PUBLIC SVC ENTERPRISE GROUP COM 744573106 453 8,585 SH   SOLE   0 0 8,585
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 226 3,310 SH   SOLE   0 0 3,310
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,717 9,346 SH   SOLE   0 0 9,346
SPDR GOLD TRUST GOLD SHS 78463V107 546 4,838 SH   SOLE   0 0 4,838
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 1,863 39,153 SH   SOLE   0 0 39,153
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 616 16,094 SH   SOLE   0 0 16,094
SPDR SERIES TRUST S&P BIOTECH 78464A870 286 2,982 SH   SOLE   0 0 2,982
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,068 13,791 SH   SOLE   0 0 13,791
SPDR SER TR NUVEEN BLMBRG SR 78468R739 223 4,686 SH   SOLE   0 0 4,686
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 345 4,205 SH   SOLE   0 0 4,205
STERLING BANCORP DEL COM 85917A100 265 12,024 SH   SOLE   0 0 12,024
STEWARDSHIP FINL CORP COM 860326107 113 10,702 SH   SOLE   0 0 10,702
TEXAS INSTRS INC COM 882508104 373 3,478 SH   SOLE   0 0 3,478
THERMO FISHER SCIENTIFIC INC COM 883556102 222 909 SH   SOLE   0 0 909
3M CO COM 88579Y101 2,912 13,819 SH   SOLE   0 0 13,819
UNION PAC CORP COM 907818108 878 5,393 SH   SOLE   0 0 5,393
UNITED TECHNOLOGIES CORP COM 913017109 528 3,779 SH   SOLE   0 0 3,779
VANGUARD GROUP DIV APP ETF 921908844 9,057 81,820 SH   SOLE   0 0 81,820
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 204 2,592 SH   SOLE   0 0 2,592
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 283 6,529 SH   SOLE   0 0 6,529
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 660 7,574 SH   SOLE   0 0 7,574
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,111 14,656 SH   SOLE   0 0 14,656
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,874 121,439 SH   SOLE   0 0 121,439
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 308 5,915 SH   SOLE   0 0 5,915
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,444 230,338 SH   SOLE   0 0 230,338
VANGUARD WORLD FDS ENERGY ETF 92204A306 408 3,881 SH   SOLE   0 0 3,881
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 2,975 49,799 SH   SOLE   0 0 49,799
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 247 3,157 SH   SOLE   0 0 3,157
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 623 2,333 SH   SOLE   0 0 2,333
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 482 5,973 SH   SOLE   0 0 5,973
VANGUARD INDEX FDS SML CP GRW ETF 922908595 418 2,231 SH   SOLE   0 0 2,231
VANGUARD INDEX FDS SM CP VAL ETF 922908611 20,063 143,965 SH   SOLE   0 0 143,965
VANGUARD INDEX FDS MID CAP ETF 922908629 1,752 10,668 SH   SOLE   0 0 10,668
VANGUARD INDEX FDS VALUE ETF 922908744 24,290 219,459 SH   SOLE   0 0 219,459
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,551 10,361 SH   SOLE   0 0 10,361
VERIZON COMMUNICATIONS INC COM 92343V104 1,164 21,809 SH   SOLE   0 0 21,809
WALMART INC COM 931142103 260 2,769 SH   SOLE   0 0 2,769
WISDOMTREE TR FUTRE STRAT FD 97717W125 408 10,000 SH   SOLE   0 0 10,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 659 3,872 SH   SOLE   0 0 3,872