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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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
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,053 4,213 SH   SOLE   0 0 4,213
VANGUARD INDEX FDS LARGE CAP ETF 922908637 28,502 248,146 SH   SOLE   0 0 248,146
VALLEY NATL BANCORP COM 919794107 161 18,150 SH   SOLE   0 0 18,150
ISHARES TR 1 3 YR TREAS BD 464287457 715 8,555 SH   SOLE   0 0 8,555
ISHARES TR RUSSELL 3000 ETF 464287689 17,803 121,175 SH   SOLE   0 0 121,175
VANGUARD INDEX FDS VALUE ETF 922908744 20,489 209,174 SH   SOLE   0 0 209,174
ISHARES TR RESIDNL REAL EST 464288562 4,561 73,164 SH   SOLE   0 0 73,164
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 614 13,462 SH   SOLE   0 0 13,462
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 6,281 105,807 SH   SOLE   0 0 105,807
ISHARES TR RUS MDCP VAL ETF 464287473 3,650 47,803 SH   SOLE   0 0 47,803
GOLUB CAP BDC INC COM 38173M102 2,090 126,721 SH   SOLE   0 0 126,721
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,690 36,748 SH   SOLE   0 0 36,748
SPDR SERIES TRUST S&P DIVID ETF 78464A763 565 6,316 SH   SOLE   0 0 6,316
INTERNATIONAL BUSINESS MACHS COM 459200101 296 2,605 SH   SOLE   0 0 2,605
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 7,207 75,661 SH   SOLE   0 0 75,661
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 331 3,395 SH   SOLE   0 0 3,395
ISHARES TR RUS 1000 ETF 464287622 25,711 185,383 SH   SOLE   0 0 185,383
VANGUARD GROUP DIV APP ETF 921908844 32,629 333,121 SH   SOLE   0 0 333,121
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 457 5,863 SH   SOLE   0 0 5,863
ISHARES TR CORE HIGH DV ETF 46429B663 614 7,276 SH   SOLE   0 0 7,276
THERMO FISHER SCIENTIFIC INC COM 883556102 204 912 SH   SOLE   0 0 912
JOHNSON & JOHNSON COM 478160104 252 1,949 SH   SOLE   0 0 1,949