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
3M CO COM 88579Y101 335 2,472 SH   SOLE 2,472 0 0
APPLE INC COM 037833100 358 667 SH   SOLE 667 0 0
AT&T INC COM 00206R102 1,578 45,006 SH   SOLE 45,006 0 0
BANK OF AMERICA CORPORATION COM 060505104 178 10,334 SH   SOLE 10,334 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 229 1,830 SH   SOLE 1,830 0 0
BOEING CO COM 097023105 440 3,505 SH   SOLE 3,505 0 0
CHEVRON CORP NEW COM 166764100 205 1,727 SH   SOLE 1,727 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 238 8,702 SH   SOLE 8,702 0 0
COCA COLA CO COM 191216100 268 6,932 SH   SOLE 6,932 0 0
COLGATE PALMOLIVE CO COM 194162103 478 7,369 SH   SOLE 7,369 0 0
COMCAST CORP NEW CL A 20030N101 298 5,961 SH   SOLE 5,961 0 0
CONOCOPHILLIPS COM 20825C104 355 5,043 SH   SOLE 5,043 0 0
CRA INTL INC COM 12618T105 336 15,301 SH   SOLE 15,301 0 0
EXXON MOBIL CORP COM 30231G102 1,158 11,854 SH   SOLE 11,854 0 0
GENERAL ELECTRIC CO COM 369604103 691 26,691 SH   SOLE 26,691 0 0
HERSHEY CO COM 427866108 305 2,923 SH   SOLE 2,923 0 0
IDENIX PHARMACEUTICALS INC COM 45166R204 60 10,000 SH   SOLE 10,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 995 5,168 SH   SOLE 5,168 0 0
ISHARES TIPS BD ETF 464287176 437 3,897 SH   SOLE 3,897 0 0
ISHARES CORE S&P500 ETF 464287200 14,588 77,539 SH   SOLE 77,539 0 0
ISHARES MSCI EMG MKT ETF 464287234 1,398 34,088 SH   SOLE 34,088 0 0
ISHARES IBOXX INV CP ETF 464287242 1,865 15,948 SH   SOLE 15,948 0 0
ISHARES S&P 500 VAL ETF 464287408 201 2,308 SH   SOLE 2,308 0 0
ISHARES CORE S&P MCP ETF 464287507 37,065 269,624 SH   SOLE 269,624 0 0
ISHARES RUS 1000 VAL ETF 464287598 334 3,463 SH   SOLE 3,463 0 0
ISHARES RUS 1000 ETF 464287622 17,647 168,431 SH   SOLE 168,431 0 0
ISHARES MSCI ACWI US ETF 464288240 2,136 45,872 SH   SOLE 45,872 0 0
ISHARES EAFE SML CP ETF 464288273 1,561 29,906 SH   SOLE 29,906 0 0
ISHARES JP MOR EM MK ETF 464288281 17,526 157,301 SH   SOLE 157,301 0 0
ISHARES USA ESG SLCT ETF 464288802 494 6,328 SH   SOLE 6,328 0 0
ISHARES EAFE VALUE ETF 464288877 221 3,837 SH   SOLE 3,837 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,270 262,856 SH   SOLE 262,856 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 52,674 520,802 SH   SOLE 520,802 0 0
JOHNSON & JOHNSON COM 478160104 1,259 12,816 SH   SOLE 12,816 0 0
KIMBERLY CLARK CORP COM 494368103 320 2,902 SH   SOLE 2,902 0 0
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 17,347 628,510 SH   SOLE 628,510 0 0
MERCK & CO INC NEW COM 58933Y105 390 6,875 SH   SOLE 6,875 0 0
PFIZER INC COM 717081103 240 7,473 SH   SOLE 7,473 0 0
PPG INDS INC COM 693506107 227 1,171 SH   SOLE 1,171 0 0
PROCTER & GAMBLE CO COM 742718109 244 3,024 SH   SOLE 3,024 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 457 11,988 SH   SOLE 11,988 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 650 5,260 SH   SOLE 5,260 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 320 7,324 SH   SOLE 7,324 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,177 28,588 SH   SOLE 28,588 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,535 13,554 SH   SOLE 13,554 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,654 18,573 SH   SOLE 18,573 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 669 27,557 SH   SOLE 27,557 0 0
STERLING BANCORP DEL COM 85917A100 241 19,024 SH   SOLE 19,024 0 0
STEWARDSHIP FINL CORP COM 860326107 107 20,702 SH   SOLE 20,702 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 211 2,593 SH   SOLE 2,593 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 418 2,441 SH   SOLE 2,441 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 13,483 133,976 SH   SOLE 133,976 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 935 8,231 SH   SOLE 8,231 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,650 174,759 SH   SOLE 174,759 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 263 2,696 SH   SOLE 2,696 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 298 2,786 SH   SOLE 2,786 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 617 12,257 SH   SOLE 12,257 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,751 363,511 SH   SOLE 363,511 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,814 57,037 SH   SOLE 57,037 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,061 133,741 SH   SOLE 133,741 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,096 26,549 SH   SOLE 26,549 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,628 12,681 SH   SOLE 12,681 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 826 17,374 SH   SOLE 17,374 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 213 4,509 SH   SOLE 4,509 0 0