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 356 2,516 SH   SOLE 2,516 0 0
ALLERGAN INC COM 018490102 1,487 8,343 SH   SOLE 8,343 0 0
ALTRIA GROUP INC COM 02209S103 262 5,703 SH   SOLE 5,703 0 0
APPLE INC COM 037833100 656 6,509 SH   SOLE 6,509 0 0
AT&T INC COM 00206R102 1,577 44,746 SH   SOLE 44,746 0 0
BANK AMER CORP COM 060505104 182 10,702 SH   SOLE 10,702 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 328 2,378 SH   SOLE 2,378 0 0
BOEING CO COM 097023105 408 3,205 SH   SOLE 3,205 0 0
CHEVRON CORP NEW COM 166764100 269 2,251 SH   SOLE 2,251 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 236 8,866 SH   SOLE 8,866 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 213 9,564 SH   SOLE 9,564 0 0
COCA COLA CO COM 191216100 277 6,502 SH   SOLE 6,502 0 0
COLGATE PALMOLIVE CO COM 194162103 481 7,369 SH   SOLE 7,369 0 0
COMCAST CORP NEW CL A 20030N101 369 6,857 SH   SOLE 6,857 0 0
CONOCOPHILLIPS COM 20825C104 343 4,481 SH   SOLE 4,481 0 0
DOMINION RES INC VA NEW COM 25746U109 230 3,335 SH   SOLE 3,335 0 0
ENERGY TRANSFER EQUITY L P COM UT LTD PTN 29273V100 241 3,914 SH   SOLE 3,914 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 301 7,478 SH   SOLE 7,478 0 0
EXXON MOBIL CORP COM 30231G102 1,501 15,964 SH   SOLE 15,964 0 0
GENERAL ELECTRIC CO COM 369604103 856 33,424 SH   SOLE 33,424 0 0
HERSHEY CO COM 427866108 388 4,062 SH   SOLE 4,062 0 0
HONEYWELL INTL INC COM 438516106 414 4,441 SH   SOLE 4,441 0 0
HUDSON CITY BANCORP COM 443683107 139 14,230 SH   SOLE 14,230 0 0
INTEL CORP COM 458140100 254 7,298 SH   SOLE 7,298 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,250 6,586 SH   SOLE 6,586 0 0
IROBOT CORP COM 462726100 243 7,974 SH   SOLE 7,974 0 0
ISHARES MSCI ACWI US ETF 464288240 1,824 40,098 SH   SOLE 40,098 0 0
ISHARES EAFE SML CP ETF 464288273 2,039 42,047 SH   SOLE 42,047 0 0
ISHARES JP MOR EM MK ETF 464288281 21,514 190,642 SH   SOLE 190,642 0 0
ISHARES IBOXX HI YD ETF 464288513 207 2,246 SH   SOLE 2,246 0 0
ISHARES GOLD TRUST ISHARES 464285105 3,720 317,940 SH   SOLE 317,940 0 0
ISHARES INC CORE MSCI EMKT 46434G103 773 15,443 SH   SOLE 15,443 0 0
ISHARES TR TIPS BD ETF 464287176 344 3,066 SH   SOLE 3,066 0 0
ISHARES TR CORE S&P500 ETF 464287200 14,540 73,340 SH   SOLE 73,340 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,401 33,716 SH   SOLE 33,716 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,657 14,013 SH   SOLE 14,013 0 0
ISHARES TR CORE S&P MCP ETF 464287507 37,578 274,813 SH   SOLE 274,813 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 374 3,734 SH   SOLE 3,734 0 0
ISHARES TR RUS 1000 ETF 464287622 17,991 163,746 SH   SOLE 163,746 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,388 23,761 SH   SOLE 23,761 0 0
JOHNSON & JOHNSON COM 478160104 1,480 13,884 SH   SOLE 13,884 0 0
KIMBERLY CLARK CORP COM 494368103 430 4,000 SH   SOLE 4,000 0 0
LOCKHEED MARTIN CORP COM 539830109 496 2,713 SH   SOLE 2,713 0 0
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 20,387 770,586 SH   SOLE 770,586 0 0
MEDIVATION INC COM 58501N101 208 2,102 SH   SOLE 2,102 0 0
MERCK & CO INC NEW COM 58933Y105 467 7,872 SH   SOLE 7,872 0 0
MICROSOFT CORP COM 594918104 296 6,391 SH   SOLE 6,391 0 0
MORGAN STANLEY COM NEW 617446448 381 11,033 SH   SOLE 11,033 0 0
PEPSICO INC COM 713448108 584 6,270 SH   SOLE 6,270 0 0
PFIZER INC COM 717081103 259 8,762 SH   SOLE 8,762 0 0
PHILIP MORRIS INTL INC COM 718172109 436 5,223 SH   SOLE 5,223 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 711 6,862 SH   SOLE 6,862 0 0
PITNEY BOWES INC COM 724479100 316 12,656 SH   SOLE 12,656 0 0
PPG INDS INC COM 693506107 230 1,171 SH   SOLE 1,171 0 0
PROCTER & GAMBLE CO COM 742718109 394 4,710 SH   SOLE 4,710 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 434 11,656 SH   SOLE 11,656 0 0
RADNET INC COM 750491102 662 100,000 SH   SOLE 100,000 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 457 3,930 SH   SOLE 3,930 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 304 6,866 SH   SOLE 6,866 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,161 28,034 SH   SOLE 28,034 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,513 12,754 SH   SOLE 12,754 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,416 17,712 SH   SOLE 17,712 0 0
SPDR SER TR SHT TRM HGH YLD 78468R408 375 12,515 SH   SOLE 12,515 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 625 25,594 SH   SOLE 25,594 0 0
STERLING BANCORP DEL COM 85917A100 179 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 92 20,702 SH   SOLE 20,702 0 0
UNION PAC CORP COM 907818108 857 7,906 SH   SOLE 7,906 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 486 5,927 SH   SOLE 5,927 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 552 3,057 SH   SOLE 3,057 0 0
VANGUARD INDEX FDS REIT ETF 922908553 202 2,815 SH   SOLE 2,815 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 14,035 140,713 SH   SOLE 140,713 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 925 7,881 SH   SOLE 7,881 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 14,644 180,347 SH   SOLE 180,347 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 342 3,377 SH   SOLE 3,377 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 314 3,071 SH   SOLE 3,071 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 659 13,376 SH   SOLE 13,376 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,015 383,969 SH   SOLE 383,969 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,186 24,018 SH   SOLE 24,018 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 14,443 180,826 SH   SOLE 180,826 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,143 131,810 SH   SOLE 131,810 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,061 26,689 SH   SOLE 26,689 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,574 12,008 SH   SOLE 12,008 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 928 18,574 SH   SOLE 18,574 0 0