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 3,127 15,021 SH   SOLE 15,021 0 0
ABBOTT LABS COM 002824100 216 4,449 SH   SOLE 4,449 0 0
ABBVIE INC COM 00287Y109 271 3,744 SH   SOLE 3,744 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 667 5,394 SH   SOLE 5,394 0 0
ADOBE SYS INC COM 00724F101 531 3,751 SH   SOLE 3,751 0 0
AEROHIVE NETWORKS INC COM 007786106 229 45,836 SH   SOLE 45,836 0 0
AFLAC INC COM 001055102 801 10,315 SH   SOLE 10,315 0 0
ALPHABET INC CAP STK CL C 02079K107 545 600 SH   SOLE 600 0 0
ALPHABET INC CAP STK CL A 02079K305 654 704 SH   SOLE 704 0 0
ALTRIA GROUP INC COM 02209S103 1,353 18,168 SH   SOLE 18,168 0 0
AMAZON COM INC COM 023135106 257 266 SH   SOLE 266 0 0
AMERICAN EXPRESS CO COM 025816109 1,084 12,873 SH   SOLE 12,873 0 0
AMGEN INC COM 031162100 225 1,308 SH   SOLE 1,308 0 0
APPLE INC COM 037833100 2,395 16,630 SH   SOLE 16,630 0 0
AT&T INC COM 00206R102 1,544 40,910 SH   SOLE 40,910 0 0
BANK AMER CORP COM 060505104 1,297 53,458 SH   SOLE 53,458 0 0
BANK NEW YORK MELLON CORP COM 064058100 287 5,621 SH   SOLE 5,621 0 0
BB&T CORP COM 054937107 874 19,237 SH   SOLE 19,237 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 691 4,078 SH   SOLE 4,078 0 0
BLACKROCK INC COM 09247X101 358 847 SH   SOLE 847 0 0
BOEING CO COM 097023105 831 4,201 SH   SOLE 4,201 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 165 17,027 SH   SOLE 17,027 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 299 5,371 SH   SOLE 5,371 0 0
CENTENE CORP DEL COM 15135B101 406 5,086 SH   SOLE 5,086 0 0
CHEVRON CORP NEW COM 166764100 391 3,743 SH   SOLE 3,743 0 0
COCA COLA CO COM 191216100 393 8,758 SH   SOLE 8,758 0 0
COLGATE PALMOLIVE CO COM 194162103 349 4,714 SH   SOLE 4,714 0 0
COMCAST CORP NEW CL A 20030N101 452 11,617 SH   SOLE 11,617 0 0
CONOCOPHILLIPS COM 20825C104 242 5,498 SH   SOLE 5,498 0 0
CSX CORP COM 126408103 230 4,210 SH   SOLE 4,210 0 0
DISNEY WALT CO COM DISNEY 254687106 336 3,160 SH   SOLE 3,160 0 0
DOMINION ENERGY INC COM 25746U109 217 2,835 SH   SOLE 2,835 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 212 2,630 SH   SOLE 2,630 0 0
EXXON MOBIL CORP COM 30231G102 2,258 27,975 SH   SOLE 27,975 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 378 5,787 SH   SOLE 5,787 0 0
FRANKLIN COVEY CO COM 353469109 527 27,281 SH   SOLE 27,281 0 0
GENERAL ELECTRIC CO COM 369604103 1,863 68,977 SH   SOLE 68,977 0 0
HERSHEY CO COM 427866108 315 2,930 SH   SOLE 2,930 0 0
HINGHAM INSTN SVGS MASS COM 433323102 200 1,102 SH   SOLE 1,102 0 0
HOME DEPOT INC COM 437076102 449 2,927 SH   SOLE 2,927 0 0
HONEYWELL INTL INC COM 438516106 767 5,755 SH   SOLE 5,755 0 0
ILLINOIS TOOL WKS INC COM 452308109 347 2,421 SH   SOLE 2,421 0 0
INTEL CORP COM 458140100 743 22,025 SH   SOLE 22,025 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,492 9,698 SH   SOLE 9,698 0 0
IROBOT CORP COM 462726100 252 3,000 SH   SOLE 3,000 0 0
ISHARES GOLD TRUST ISHARES 464285105 1,841 154,193 SH   SOLE 154,193 0 0
ISHARES INC CORE MSCI EMKT 46434G103 39,786 795,085 SH   SOLE 795,085 0 0
ISHARES TR TIPS BD ETF 464287176 281 2,476 SH   SOLE 2,476 0 0
ISHARES TR CORE S&P500 ETF 464287200 11,373 46,724 SH   SOLE 46,724 0 0
ISHARES TR S&P 500 VAL ETF 464287408 260 2,480 SH   SOLE 2,480 0 0
ISHARES TR CORE S&P MCP ETF 464287507 40,338 231,893 SH   SOLE 231,893 0 0
ISHARES TR NASDQ BIOTEC ETF 464287556 866 2,794 SH   SOLE 2,794 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 985 8,456 SH   SOLE 8,456 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,617 13,587 SH   SOLE 13,587 0 0
ISHARES TR RUS 1000 ETF 464287622 15,881 117,400 SH   SOLE 117,400 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 6,052 50,913 SH   SOLE 50,913 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 245 1,737 SH   SOLE 1,737 0 0
ISHARES TR US HLTHCARE ETF 464287762 231 1,392 SH   SOLE 1,392 0 0
ISHARES TR CORE S&P SCP ETF 464287804 285 4,060 SH   SOLE 4,060 0 0
ISHARES TR SP SMCP600GR ETF 464287887 463 2,968 SH   SOLE 2,968 0 0
ISHARES TR MSCI ACWI EX US 464288240 887 19,457 SH   SOLE 19,457 0 0
ISHARES TR EAFE SML CP ETF 464288273 12,758 220,575 SH   SOLE 220,575 0 0
ISHARES TR JP MOR EM MK ETF 464288281 60,714 530,906 SH   SOLE 530,906 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 84,835 845,138 SH   SOLE 845,138 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,205 36,210 SH   SOLE 36,210 0 0
JOHNSON & JOHNSON COM 478160104 2,629 19,871 SH   SOLE 19,871 0 0
JPMORGAN CHASE & CO COM 46625H100 322 3,528 SH   SOLE 3,528 0 0
KIMBERLY CLARK CORP COM 494368103 532 4,121 SH   SOLE 4,121 0 0
KRAFT HEINZ CO COM 500754106 359 4,196 SH   SOLE 4,196 0 0
LILLY ELI & CO COM 532457108 233 2,827 SH   SOLE 2,827 0 0
LOCKHEED MARTIN CORP COM 539830109 1,482 5,338 SH   SOLE 5,338 0 0
LOEWS CORP COM 540424108 702 15,000 SH   SOLE 15,000 0 0
LOWES COS INC COM 548661107 311 4,014 SH   SOLE 4,014 0 0
MCDONALDS CORP COM 580135101 217 1,414 SH   SOLE 1,414 0 0
MEDTRONIC PLC SHS G5960L103 262 2,955 SH   SOLE 2,955 0 0
MERCK & CO INC COM 58933Y105 575 8,967 SH   SOLE 8,967 0 0
MICROSOFT CORP COM 594918104 2,510 36,408 SH   SOLE 36,408 0 0
MONDELEZ INTL INC CL A 609207105 350 8,102 SH   SOLE 8,102 0 0
NATIONAL COMM CORP COM 63546L102 845 21,357 SH   SOLE 21,357 0 0
NORFOLK SOUTHERN CORP COM 655844108 335 2,750 SH   SOLE 2,750 0 0
NORTHROP GRUMMAN CORP COM 666807102 435 1,694 SH   SOLE 1,694 0 0
ORACLE CORP COM 68389X105 332 6,630 SH   SOLE 6,630 0 0
PEPSICO INC COM 713448108 1,638 14,180 SH   SOLE 14,180 0 0
PFIZER INC COM 717081103 862 25,648 SH   SOLE 25,648 0 0
PHILIP MORRIS INTL INC COM 718172109 857 7,296 SH   SOLE 7,296 0 0
PHILLIPS 66 COM 718546104 210 2,538 SH   SOLE 2,538 0 0
PITNEY BOWES INC COM 724479100 211 13,966 SH   SOLE 13,966 0 0
PROCTER AND GAMBLE CO COM 742718109 937 10,756 SH   SOLE 10,756 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 444 10,332 SH   SOLE 10,332 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 586 4,962 SH   SOLE 4,962 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463x749 1,132 23,728 SH   SOLE 23,728 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 769 20,186 SH   SOLE 20,186 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,887 11,938 SH   SOLE 11,938 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,652 14,645 SH   SOLE 14,645 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 270 5,575 SH   SOLE 5,575 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 221 2,866 SH   SOLE 2,866 0 0
STATE STR CORP COM 857477103 322 3,588 SH   SOLE 3,588 0 0
STERLING BANCORP DEL COM 85917A100 280 12,024 SH   SOLE 12,024 0 0
STEWARDSHIP FINL CORP COM 860326107 176 18,702 SH   SOLE 18,702 0 0
TIME WARNER INC COM NEW 887317303 215 2,143 SH   SOLE 2,143 0 0
UNION PAC CORP COM 907818108 855 7,854 SH   SOLE 7,854 0 0
UNITED TECHNOLOGIES CORP COM 913017109 203 1,663 SH   SOLE 1,663 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 304 13,751 SH   SOLE 13,751 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 393 4,803 SH   SOLE 4,803 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 802 3,612 SH   SOLE 3,612 0 0
VANGUARD INDEX FDS REIT ETF 922908553 444 5,335 SH   SOLE 5,335 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 246 1,689 SH   SOLE 1,689 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 18,579 151,159 SH   SOLE 151,159 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 1,668 11,700 SH   SOLE 11,700 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 22,649 234,558 SH   SOLE 234,558 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,274 10,239 SH   SOLE 10,239 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 310 6,200 SH   SOLE 6,200 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,064 221,995 SH   SOLE 221,995 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 739 9,231 SH   SOLE 9,231 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 8,226 88,762 SH   SOLE 88,762 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 958 12,253 SH   SOLE 12,253 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 1,024 12,786 SH   SOLE 12,786 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 484 5,465 SH   SOLE 5,465 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 946 21,178 SH   SOLE 21,178 0 0