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
3M CO COM 88579Y101 1,337 8,113 SH   SOLE 8,113 0 0
ACTAVIS PLC SHS G0083B108 930 3,124 SH   SOLE 3,124 0 0
ALTRIA GROUP INC COM 02209S103 313 6,254 SH   SOLE 6,254 0 0
APPLE INC COM 037833100 1,469 11,815 SH   SOLE 11,815 0 0
AT&T INC COM 00206R102 1,156 35,426 SH   SOLE 35,426 0 0
BANK AMER CORP COM 060505104 156 10,168 SH   SOLE 10,168 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 218 1 SH   SOLE 1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 277 1,917 SH   SOLE 1,917 0 0
BOEING CO COM 097023105 492 3,276 SH   SOLE 3,276 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 144 16,769 SH   SOLE 16,769 0 0
CELGENE CORP COM 151020104 213 1,852 SH   SOLE 1,852 0 0
CHEVRON CORP NEW COM 166764100 227 2,163 SH   SOLE 2,163 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BLT2016 HY 18383M415 238 9,036 SH   SOLE 9,036 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 214 9,622 SH   SOLE 9,622 0 0
COCA COLA CO COM 191216100 273 6,736 SH   SOLE 6,736 0 0
COLGATE PALMOLIVE CO COM 194162103 345 4,977 SH   SOLE 4,977 0 0
COMCAST CORP NEW CL A 20030N101 360 6,392 SH   SOLE 6,392 0 0
CONOCOPHILLIPS COM 20825C104 276 4,456 SH   SOLE 4,456 0 0
DOMINION RES INC VA NEW COM 25746U109 272 3,849 SH   SOLE 3,849 0 0
ENERGY TRANSFER EQUITY L P COM UT LTD PTN 29273V100 248 3,914 SH   SOLE 3,914 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 1,783 54,144 SH   SOLE 54,144 0 0
EXPRESS SCRIPTS HLDG CO COM 30219G108 228 2,625 SH   SOLE 2,625 0 0
EXXON MOBIL CORP COM 30231G102 1,152 13,570 SH   SOLE 13,570 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 227 4,787 SH   SOLE 4,787 0 0
GENERAL ELECTRIC CO COM 369604103 742 30,226 SH   SOLE 30,226 0 0
HEALTHEQUITY INC COM 42226A107 215 8,601 SH   SOLE 8,601 0 0
HERSHEY CO COM 427866108 393 3,895 SH   SOLE 3,895 0 0
HONEYWELL INTL INC COM 438516106 557 5,338 SH   SOLE 5,338 0 0
INTEL CORP COM 458140100 242 7,744 SH   SOLE 7,744 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 861 5,662 SH   SOLE 5,662 0 0
IROBOT CORP COM 462726100 228 7,000 SH   SOLE 7,000 0 0
ISHARES GL HGYL CP ETF 464286210 405 8,680 SH   SOLE 8,680 0 0
ISHARES EM MKTS CURR ETF 464286517 626 14,215 SH   SOLE 14,215 0 0
ISHARES MSCI ACWI US ETF 464288240 1,541 34,473 SH   SOLE 34,473 0 0
ISHARES EAFE SML CP ETF 464288273 10,805 218,425 SH   SOLE 218,425 0 0
ISHARES JP MOR EM MK ETF 464288281 22,961 204,986 SH   SOLE 204,986 0 0
ISHARES GOLD TRUST ISHARES 464285105 2,927 255,652 SH   SOLE 255,652 0 0
ISHARES INC CORE MSCI EMKT 46434G103 13,566 282,951 SH   SOLE 282,951 0 0
ISHARES TR TIPS BD ETF 464287176 293 2,583 SH   SOLE 2,583 0 0
ISHARES TR CORE S&P500 ETF 464287200 14,616 70,327 SH   SOLE 70,327 0 0
ISHARES TR CORE US AGGBD ET 464287226 282 2,527 SH   SOLE 2,527 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,246 31,038 SH   SOLE 31,038 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,227 10,085 SH   SOLE 10,085 0 0
ISHARES TR S&P 500 VAL ETF 464287408 204 2,208 SH   SOLE 2,208 0 0
ISHARES TR MSCI EAFE ETF 464287465 391 6,089 SH   SOLE 6,089 0 0
ISHARES TR CORE S&P MCP ETF 464287507 39,277 258,437 SH   SOLE 258,437 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 389 3,771 SH   SOLE 3,771 0 0
ISHARES TR RUS 1000 ETF 464287622 17,637 152,237 SH   SOLE 152,237 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,172 11,792 SH   SOLE 11,792 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,095 18,714 SH   SOLE 18,714 0 0
JOHNSON & JOHNSON COM 478160104 1,393 13,860 SH   SOLE 13,860 0 0
KIMBERLY CLARK CORP COM 494368103 432 4,042 SH   SOLE 4,042 0 0
LOCKHEED MARTIN CORP COM 539830109 551 2,713 SH   SOLE 2,713 0 0
MARKET VECTORS ETF TR INTL HI YLD BD 57061R205 20,400 848,447 SH   SOLE 848,447 0 0
MEDIVATION INC COM 58501N101 271 2,102 SH   SOLE 2,102 0 0
MERCK & CO INC NEW COM 58933Y105 383 6,659 SH   SOLE 6,659 0 0
MICROSOFT CORP COM 594918104 203 5,012 SH   SOLE 5,012 0 0
NORTHROP GRUMMAN CORP COM 666807102 235 1,463 SH   SOLE 1,463 0 0
PEPSICO INC COM 713448108 623 6,529 SH   SOLE 6,529 0 0
PFIZER INC COM 717081103 314 9,321 SH   SOLE 9,321 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 449 4,428 SH   SOLE 4,428 0 0
PITNEY BOWES INC COM 724479100 295 12,656 SH   SOLE 12,656 0 0
PROCTER & GAMBLE CO COM 742718109 361 4,400 SH   SOLE 4,400 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 469 11,185 SH   SOLE 11,185 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 417 3,670 SH   SOLE 3,670 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 347 6,990 SH   SOLE 6,990 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 1,143 26,376 SH   SOLE 26,376 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,589 12,543 SH   SOLE 12,543 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,910 17,712 SH   SOLE 17,712 0 0
SPDR SERIES TRUST NUVN BR SHT MUNI 78464A425 515 21,158 SH   SOLE 21,158 0 0
STERLING BANCORP DEL COM 85917A100 188 14,024 SH   SOLE 14,024 0 0
STEWARDSHIP FINL CORP COM 860326107 119 20,702 SH   SOLE 20,702 0 0
UNION PAC CORP COM 907818108 832 7,686 SH   SOLE 7,686 0 0
UNITED TECHNOLOGIES CORP COM 913017109 203 1,730 SH   SOLE 1,730 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 681 8,170 SH   SOLE 8,170 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 501 2,672 SH   SOLE 2,672 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 16,984 155,893 SH   SOLE 155,893 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 999 7,574 SH   SOLE 7,574 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 15,058 179,909 SH   SOLE 179,909 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 335 3,125 SH   SOLE 3,125 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 224 2,260 SH   SOLE 2,260 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 599 12,408 SH   SOLE 12,408 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13,387 327,598 SH   SOLE 327,598 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 522 10,768 SH   SOLE 10,768 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,932 136,296 SH   SOLE 136,296 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 10,264 127,545 SH   SOLE 127,545 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 981 8,974 SH   SOLE 8,974 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 883 18,159 SH   SOLE 18,159 0 0