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 360 2,516 SH   SOLE 2,516 0 0
APPLE INC COM 037833100 453 4,872 SH   SOLE 4,872 0 0
AT&T INC COM 00206R102 1,515 42,853 SH   SOLE 42,853 0 0
BANK OF AMERICA CORPORATION COM 060505104 159 10,334 SH   SOLE 10,334 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 229 1,806 SH   SOLE 1,806 0 0
BOEING CO COM 097023105 382 3,005 SH   SOLE 3,005 0 0
CHEVRON CORP NEW COM 166764100 314 2,402 SH   SOLE 2,402 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 241 8,783 SH   SOLE 8,783 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 213 9,538 SH   SOLE 9,538 0 0
COCA COLA CO COM 191216100 275 6,502 SH   SOLE 6,502 0 0
COLGATE PALMOLIVE CO COM 194162103 502 7,369 SH   SOLE 7,369 0 0
COMCAST CORP NEW CL A 20030N101 336 6,251 SH   SOLE 6,251 0 0
CONOCOPHILLIPS COM 20825C104 384 4,479 SH   SOLE 4,479 0 0
CRA INTL INC COM 12618T105 353 15,301 SH   SOLE 15,301 0 0
DOMINION RES INC VA NEW COM 25746U109 239 3,335 SH   SOLE 3,335 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 296 3,783 SH   SOLE 3,783 0 0
EXXON MOBIL CORP COM 30231G102 1,468 14,581 SH   SOLE 14,581 0 0
GENERAL ELECTRIC CO COM 369604103 713 27,143 SH   SOLE 27,143 0 0
HERSHEY CO COM 427866108 285 2,923 SH   SOLE 2,923 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 973 5,368 SH   SOLE 5,368 0 0
ISHARES TIPS BD ETF 464287176 370 3,205 SH   SOLE 3,205 0 0
ISHARES CORE S&P500 ETF 464287200 14,962 75,950 SH   SOLE 75,950 0 0
ISHARES MSCI EMG MKT ETF 464287234 1,459 33,754 SH   SOLE 33,754 0 0
ISHARES IBOXX INV CP ETF 464287242 1,745 14,636 SH   SOLE 14,636 0 0
ISHARES CORE S&P MCP ETF 464287507 39,462 275,801 SH   SOLE 275,801 0 0
ISHARES RUS 1000 VAL ETF 464287598 300 2,961 SH   SOLE 2,961 0 0
ISHARES RUS 1000 ETF 464287622 18,292 166,123 SH   SOLE 166,123 0 0
ISHARES MSCI ACWI US ETF 464288240 1,946 40,526 SH   SOLE 40,526 0 0
ISHARES EAFE SML CP ETF 464288273 1,588 30,017 SH   SOLE 30,017 0 0
ISHARES JP MOR EM MK ETF 464288281 20,557 178,337 SH   SOLE 178,337 0 0
ISHARES EAFE VALUE ETF 464288877 216 3,682 SH   SOLE 3,682 0 0
ISHARES GOLD TRUST ISHARES 464285105 4,551 353,376 SH   SOLE 353,376 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,536 63,770 SH   SOLE 63,770 0 0
JOHNSON & JOHNSON COM 478160104 1,371 13,103 SH   SOLE 13,103 0 0
KIMBERLY CLARK CORP COM 494368103 330 2,971 SH   SOLE 2,971 0 0
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 20,186 718,378 SH   SOLE 718,378 0 0
MEDIVATION INC COM 58501N101 201 2,612 SH   SOLE 2,612 0 0
MERCK & CO INC NEW COM 58933Y105 403 6,965 SH   SOLE 6,965 0 0
PFIZER INC COM 717081103 224 7,557 SH   SOLE 7,557 0 0
PPG INDS INC COM 693506107 246 1,171 SH   SOLE 1,171 0 0
PROCTER & GAMBLE CO COM 742718109 270 3,431 SH   SOLE 3,431 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 489 11,988 SH   SOLE 11,988 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 543 4,242 SH   SOLE 4,242 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 320 6,866 SH   SOLE 6,866 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,249 28,238 SH   SOLE 28,238 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,561 13,084 SH   SOLE 13,084 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,623 17,742 SH   SOLE 17,742 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 637 26,169 SH   SOLE 26,169 0 0
STERLING BANCORP DEL COM 85917A100 168 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 93 20,702 SH   SOLE 20,702 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 452 5,496 SH   SOLE 5,496 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 540 3,009 SH   SOLE 3,009 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,537 137,789 SH   SOLE 137,789 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 942 7,938 SH   SOLE 7,938 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 14,696 181,541 SH   SOLE 181,541 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 336 3,025 SH   SOLE 3,025 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 639 12,217 SH   SOLE 12,217 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,731 387,913 SH   SOLE 387,913 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,728 34,472 SH   SOLE 34,472 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,312 132,294 SH   SOLE 132,294 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,137 26,689 SH   SOLE 26,689 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,703 11,829 SH   SOLE 11,829 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 856 17,502 SH   SOLE 17,502 0 0