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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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 Company COM 88579Y101 3,025 14,410 SH   SOLE   14,410 0 0
Abbott Laboratories COM 002824100 237 4,449 SH   SOLE   4,449 0 0
AbbVie Inc. COM 00287Y109 310 3,494 SH   SOLE   3,494 0 0
Accenture PLC CL A G1151C101 719 5,323 SH   SOLE   5,323 0 0
Adobe Systems COM 00724F101 539 3,611 SH   SOLE   3,611 0 0
AEROHIVE NETWORKS INC COM 007786106 187 45,836 SH   SOLE   45,836 0 0
AFLAC COM 001055102 840 10,315 SH   SOLE   10,315 0 0
Agenus Inc COM 00847G705 154 35,000 SH   SOLE   35,000 0 0
Alphabet Inc (Class A) CL A 02079K305 649 667 SH   SOLE   667 0 0
Alphabet Inc (Class C) CL C 02079K107 575 600 SH   SOLE   600 0 0
Altria Group Inc. COM 02209S103 1,015 16,005 SH   SOLE   16,005 0 0
Amazon COM 023135106 286 297 SH   SOLE   297 0 0
American Express Company COM 025816109 1,164 12,873 SH   SOLE   12,873 0 0
Amgen Inc. COM 031162100 4,833 25,921 SH   SOLE   25,921 0 0
Apple Inc. COM 037833100 2,436 15,808 SH   SOLE   15,808 0 0
AT&T, Inc. COM 00206R102 1,422 36,301 SH   SOLE   36,301 0 0
Automatic Data Proc COM 053015103 202 1,852 SH   SOLE   1,852 0 0
Bank of America Corporation COM 060505104 1,249 49,280 SH   SOLE   49,280 0 0
Bb&t Corp. COM 054937107 903 19,237 SH   SOLE   19,237 0 0
Berkshire Hathaway Inc. B CL B 084670702 793 4,328 SH   SOLE   4,328 0 0
BlackRock, Inc. COM 09247X101 381 852 SH   SOLE   852 0 0
Boeing Company COM 097023105 636 2,500 SH   SOLE   2,500 0 0
Boulder Growth & Income COM 101507101 171 16,769 SH   SOLE   16,769 0 0
Bristol-Myers Squibb Company COM 110122108 333 5,228 SH   SOLE   5,228 0 0
Centene Corp COM 15135B101 492 5,086 SH   SOLE   5,086 0 0
Chevron Corporation COM 166764100 435 3,705 SH   SOLE   3,705 0 0
Cisco Systems, Inc. COM 17275R102 425 12,641 SH   SOLE   12,641 0 0
Colgate-Palmolive Co. COM 194162103 343 4,714 SH   SOLE   4,714 0 0
Comcast Corporation CL A 20030N101 447 11,617 SH   SOLE   11,617 0 0
ConocoPhillips COM 20825C104 271 5,409 SH   SOLE   5,409 0 0
Costco Wholesale Corporation COM 22160k105 214 1,305 SH   SOLE   1,305 0 0
CSX Corp. COM 126408103 205 3,786 SH   SOLE   3,786 0 0
Dominion Resources COM 25746U109 213 2,771 SH   SOLE   2,771 0 0
Dowdupont Inc COM 26078J100 309 4,464 SH   SOLE   4,464 0 0
Eaton Vance CP COM 278265103 6,531 132,281 SH   SOLE   132,281 0 0
Exxon Mobil Corporation COM 30231G102 2,062 25,147 SH   SOLE   25,147 0 0
Facebook CL A 30303M102 209 1,225 SH   SOLE   1,225 0 0
First Trust NYSE Arca Biotetch ETF ETF 33733E203 209 1,683 SH   SOLE   1,683 0 0
Fortune Brands Home & Security COM 34964C106 385 5,724 SH   SOLE   5,724 0 0
Franklin Covey Co COM 353469109 569 28,031 SH   SOLE   28,031 0 0
General Electric Company COM 369604103 1,634 67,572 SH   SOLE   67,572 0 0
Harris Corporation COM 413875105 240 1,819 SH   SOLE   1,819 0 0
Hershey Co. COM 427866108 320 2,930 SH   SOLE   2,930 0 0
Hingham Instn Svgs Mass Com Isin #us4333 COM 433323102 210 1,102 SH   SOLE   1,102 0 0
Honeywell International Inc. COM 438516106 796 5,613 SH   SOLE   5,613 0 0
Illinois Tool Works Inc. COM 452308109 359 2,426 SH   SOLE   2,426 0 0
Intel Corporation COM 458140100 785 20,628 SH   SOLE   20,628 0 0
International Business Machines Corporation COM 459200101 1,320 9,096 SH   SOLE   9,096 0 0
Irobot Corporation Com COM 462726100 231 3,000 SH   SOLE   3,000 0 0
iShares 0-5 Year TIPS Bond ETF ETF 46429B747 88,121 877,871 SH   SOLE   877,871 0 0
iShares Barclays TIPS Bond ETF ETF 464287176 364 3,201 SH   SOLE   3,201 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 2,308 35,964 SH   SOLE   35,964 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103 42,431 785,470 SH   SOLE   785,470 0 0
iShares Core S&P 500 ETF ETF 464287200 11,807 46,683 SH   SOLE   46,683 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507 41,563 232,325 SH   SOLE   232,325 0 0
iShares Core S&P Small-Cap ETF ETF 464287804 301 4,060 SH   SOLE   4,060 0 0
Ishares Currency Hedged ETF 46434V704 259 9,084 SH   SOLE   9,084 0 0
iShares Gold Trust ETF 464285105 1,754 142,492 SH   SOLE   142,492 0 0
iShares J.P. Morgan USD Emerging Markets Bond ETF ETF 464288281 63,985 549,605 SH   SOLE   549,605 0 0
iShares MSCI ACWI Ex U.S. Index ETF ETF 464288240 852 17,623 SH   SOLE   17,623 0 0
iShares MSCI EAFE Index Fund ETF ETF 464287465 302 4,416 SH   SOLE   4,416 0 0
iShares MSCI EAFE Small-Cap ETF ETF 464288273 13,844 223,288 SH   SOLE   223,288 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556 949 2,845 SH   SOLE   2,845 0 0
iShares Russell 1000 Growth Index ETF ETF 464287614 1,610 12,877 SH   SOLE   12,877 0 0
iShares Russell 1000 Index ETF ETF 464287622 16,399 117,237 SH   SOLE   117,237 0 0
iShares Russell 1000 Value Index ETF ETF 464287598 1,002 8,456 SH   SOLE   8,456 0 0
iShares Russell 2000 Index ETF ETF 464287655 323 2,177 SH   SOLE   2,177 0 0
iShares Russell 2000 Value ETF ETF 464287630 7,357 59,274 SH   SOLE   59,274 0 0
iShares Russell Mid-Cap ETF ETF 464287499 469 2,377 SH   SOLE   2,377 0 0
iShares S&P 500 Value ETF ETF 464287408 268 2,480 SH   SOLE   2,480 0 0
iShares S&P Small-Cap 600 Growth ETF ETF 464287887 636 3,865 SH   SOLE   3,865 0 0
iShares US Healthcare ETF ETF 464287762 237 1,381 SH   SOLE   1,381 0 0
Johnson & Johnson COM 478160104 2,000 15,382 SH   SOLE   15,382 0 0
JPMorgan Chase & Co. COM 46625H100 343 3,587 SH   SOLE   3,587 0 0
JUST ENERGY GROUP INC ORD COM 48213W101 116 20,000 SH   SOLE   20,000 0 0
Kimberly Clark Corp COM 494368103 341 2,896 SH   SOLE   2,896 0 0
Lockheed Martin Corporation COM 539830109 1,474 4,752 SH   SOLE   4,752 0 0
Lowe's Companies, Inc. COM 548661107 306 3,829 SH   SOLE   3,829 0 0
Loews Corp COM 540424108 718 15,000 SH   SOLE   15,000 0 0
Market Vectors Gold Miners ETF ETF 92189F106 265 11,551 SH   SOLE   11,551 0 0
McDonald's Corp. COM 580135101 222 1,414 SH   SOLE   1,414 0 0
Medtronic PLC COM G5960L103 208 2,672 SH   SOLE   2,672 0 0
Merck & Co. Inc. COM 58933Y105 1,389 21,687 SH   SOLE   21,687 0 0
Microsoft Corporation COM 594918104 2,688 36,084 SH   SOLE   36,084 0 0
Mondelez International, Inc. COM 609207105 327 8,033 SH   SOLE   8,033 0 0
National Comm Corp Com COM 63546L102 914 21,357 SH   SOLE   21,357 0 0
Norfolk Southern Corporation COM 655844108 364 2,750 SH   SOLE   2,750 0 0
Northrup Grumman Corp COM 666807102 487 1,694 SH   SOLE   1,694 0 0
Oracle Corporation COM 68389X105 321 6,633 SH   SOLE   6,633 0 0
Pepsico, Inc. COM 713448108 1,553 13,936 SH   SOLE   13,936 0 0
Pfizer Inc. COM 717081103 854 23,931 SH   SOLE   23,931 0 0
Philip Morris International, Inc. COM 718172109 737 6,643 SH   SOLE   6,643 0 0
Phillips 66 COM 718546104 233 2,538 SH   SOLE   2,538 0 0
Pitney Bowes COM 724479100 177 12,656 SH   SOLE   12,656 0 0
Powershares Exch Traded Fd Tst II S&P 50 ETF 73937B779 210 4,584 SH   SOLE   4,584 0 0
Powershares Qqq Trust ETF 73935A104 546 3,755 SH   SOLE   3,755 0 0
Public Service Enterprise Group Inc. COM 744573106 466 10,079 SH   SOLE   10,079 0 0
SPDR Dow Jones Global Real Estate ETF 78463x749 1,153 24,147 SH   SOLE   24,147 0 0
SPDR Dow Jones International Real Estate ETF ETF 78463X863 775 20,193 SH   SOLE   20,193 0 0
SPDR Gold Shares ETF 78463V107 589 4,845 SH   SOLE   4,845 0 0
SPDR S&P 500 ETF 78462F103 3,421 13,618 SH   SOLE   13,618 0 0
SPDR S&P Biotech ETF ETF 78464A870 248 2,867 SH   SOLE   2,867 0 0
SPDR S&P Mid Cap 400 ETF 78467Y107 4,778 14,643 SH   SOLE   14,643 0 0
SPDR Short Term Municipal Bond ETF 78468R739 271 5,575 SH   SOLE   5,575 0 0
State Street Boston COM 857477103 335 3,509 SH   SOLE   3,509 0 0
Sterling Bancorp COM 85917A100 296 12,024 SH   SOLE   12,024 0 0
Stewardship Financial Corp COM 860326107 183 18,702 SH   SOLE   18,702 0 0
Texas Instruments Inc. COM 882508104 316 3,527 SH   SOLE   3,527 0 0
The Bank of New York Mellon Corporation COM 064058100 298 5,621 SH   SOLE   5,621 0 0
The Coca-Cola Company COM 191216100 403 8,958 SH   SOLE   8,958 0 0
The Home Depot, Inc. COM 437076102 479 2,930 SH   SOLE   2,930 0 0
The Kraft Heinz Company COM 500754106 324 4,181 SH   SOLE   4,181 0 0
The Procter & Gamble Company COM 742718109 989 10,869 SH   SOLE   10,869 0 0
The Walt Disney Company COM 254687106 312 3,161 SH   SOLE   3,161 0 0
Time Warner Inc. COM 887317303 220 2,143 SH   SOLE   2,143 0 0
Union Pacific COM 907818108 578 4,984 SH   SOLE   4,984 0 0
VANGUARD CRSP US SM CAP GROWTH IND ETF ETF 922908595 258 1,689 SH   SOLE   1,689 0 0
Vanguard Dividend Appreciation ETF ETF 921908844 8,391 88,518 SH   SOLE   88,518 0 0
Vanguard Emerging Mkt ETF 921946885 1,038 12,786 SH   SOLE   12,786 0 0
Vanguard Energy ETF ETF 92204A306 511 5,465 SH   SOLE   5,465 0 0
Vanguard FTSE All-World ex-US ETF ETF 922042775 318 6,039 SH   SOLE   6,039 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858 544 12,535 SH   SOLE   12,535 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858 9,966 228,728 SH   SOLE   228,728 0 0
Vanguard High Dividend Yield ETF ETF 921946406 757 9,340 SH   SOLE   9,340 0 0
Vanguard Mid-Cap ETF ETF 922908629 1,684 11,457 SH   SOLE   11,457 0 0
Vanguard REIT ETF ETF 922908553 436 5,250 SH   SOLE   5,250 0 0
Vanguard S&P 500 ETF ETF 922908363 825 3,576 SH   SOLE   3,576 0 0
Vanguard Short-Term Corporate Bond ETF ETF 92206C409 734 9,161 SH   SOLE   9,161 0 0
Vanguard Small-Cap Value ETF ETF 922908611 19,199 150,240 SH   SOLE   150,240 0 0
Vanguard Total Bond Market ETF ETF 921937835 394 4,803 SH   SOLE   4,803 0 0
Vanguard Total Stock Market ETF ETF 922908769 1,651 12,744 SH   SOLE   12,744 0 0
Vanguard Value ETF ETF 922908744 23,534 235,764 SH   SOLE   235,764 0 0
Verizon Communications Inc. COM 92343V104 952 19,242 SH   SOLE   19,242 0 0