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
AFLAC INC COM 001055102 943 20,688 SH   SOLE   20,000 0 688
AT&T INC COM 00206R102 939 32,918 SH   SOLE   32,008 0 910
ABBOTT LABS COM 002824100 355 4,905 SH   SOLE   4,189 0 716
ABBVIE INC COM 00287Y109 360 3,901 SH   SOLE   3,813 0 88
ADOBE INC COM 00724F101 655 2,893 SH   SOLE   2,893 0 0
AEROHIVE NETWORKS INC COM 007786106 149 45,836 SH   SOLE   0 0 45,836
ALPHABET INC CAP STK CL C 02079K107 618 597 SH   SOLE   533 0 64
ALPHABET INC CAP STK CL A 02079K305 742 710 SH   SOLE   660 0 50
ALTRIA GROUP INC COM 02209S103 829 16,784 SH   SOLE   16,118 0 666
AMAZON COM INC COM 023135106 413 275 SH   SOLE   82 0 193
AMERICAN EXPRESS CO COM 025816109 1,237 12,977 SH   SOLE   12,977 0 0
AMGEN INC COM 031162100 4,501 23,120 SH   SOLE   22,842 0 278
APPLE INC COM 037833100 2,980 18,889 SH   SOLE   17,357 0 1,532
AUTOMATIC DATA PROCESSING IN COM 053015103 328 2,498 SH   SOLE   2,184 0 314
BB&T CORP COM 054937107 866 19,990 SH   SOLE   14,937 0 5,053
BANK AMER CORP COM 060505104 1,203 48,836 SH   SOLE   44,904 0 3,932
BANK NEW YORK MELLON CORP COM 064058100 264 5,612 SH   SOLE   2,280 0 3,332
BECTON DICKINSON & CO COM 075887109 249 1,103 SH   SOLE   1,040 0 63
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,188 5,817 SH   SOLE   5,238 0 579
BLACKROCK INC COM 09247X101 233 593 SH   SOLE   550 0 43
BOEING CO COM 097023105 831 2,578 SH   SOLE   1,755 0 823
BOULDER GROWTH & INCOME FD I COM 101507101 175 16,769 SH   SOLE   16,769 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 289 5,567 SH   SOLE   3,207 0 2,360
CENTENE CORP DEL COM 15135B101 585 5,075 SH   SOLE   5,075 0 0
CHEVRON CORP NEW COM 166764100 746 6,857 SH   SOLE   3,630 0 3,227
CISCO SYS INC COM 17275R102 560 12,921 SH   SOLE   11,865 0 1,056
COCA COLA CO COM 191216100 538 11,358 SH   SOLE   5,308 0 6,050
COLGATE PALMOLIVE CO COM 194162103 279 4,692 SH   SOLE   4,692 0 0
COMCAST CORP NEW CL A 20030N101 438 12,861 SH   SOLE   11,282 0 1,579
CONOCOPHILLIPS COM 20825C104 233 3,730 SH   SOLE   3,630 0 100
COSTCO WHSL CORP NEW COM 22160K105 218 1,068 SH   SOLE   1,068 0 0
DEERE & CO COM 244199105 216 1,450 SH   SOLE   756 0 694
DISNEY WALT CO COM DISNEY 254687106 357 3,256 SH   SOLE   1,770 0 1,486
DOMINION ENERGY INC COM 25746U109 205 2,868 SH   SOLE   2,868 0 0
DOWDUPONT INC COM 26078J100 279 5,216 SH   SOLE   4,979 0 237
EATON VANCE CORP COM NON VTG 278265103 3,781 107,488 SH   SOLE   107,488 0 0
EXXON MOBIL CORP COM 30231G102 1,736 25,453 SH   SOLE   19,456 0 5,997
FACEBOOK INC CL A 30303M102 242 1,844 SH   SOLE   1,226 0 618
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 205 1,651 SH   SOLE   1,651 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 218 5,737 SH   SOLE   4,737 0 1,000
GENERAL ELECTRIC CO COM 369604103 220 29,061 SH   SOLE   26,749 0 2,312
HERSHEY CO COM 427866108 312 2,911 SH   SOLE   2,911 0 0
HINGHAM INSTN SVGS MASS COM 433323102 218 1,102 SH   SOLE   1,102 0 0
HOME DEPOT INC COM 437076102 798 4,642 SH   SOLE   2,850 0 1,792
HONEYWELL INTL INC COM 438516106 894 6,763 SH   SOLE   5,837 0 926
ILLINOIS TOOL WKS INC COM 452308109 292 2,302 SH   SOLE   2,201 0 101
INTEL CORP COM 458140100 1,025 21,851 SH   SOLE   20,479 0 1,372
INTERNATIONAL BUSINESS MACHS COM 459200101 1,077 9,473 SH   SOLE   7,160 0 2,313
INVESCO QQQ TR UNIT SER 1 46090E103 351 2,272 SH   SOLE   873 0 1,399
IROBOT CORP COM 462726100 251 3,000 SH   SOLE   3,000 0 0
ISHARES GOLD TRUST ISHARES 464285105 941 76,601 SH   SOLE   71,952 0 4,649
ISHARES TR CORE S&P500 ETF 464287200 11,679 46,419 SH   SOLE   40,887 0 5,532
ISHARES TR S&P 500 GRWT ETF 464287309 345 2,292 SH   SOLE   2,032 0 260
ISHARES TR S&P 500 VAL ETF 464287408 216 2,135 SH   SOLE   1,805 0 330
ISHARES TR 1 3 YR TREAS BD 464287457 284 3,392 SH   SOLE   3,392 0 0
ISHARES TR MSCI EAFE ETF 464287465 356 6,049 SH   SOLE   4,202 0 1,847
ISHARES TR RUS MID CAP ETF 464287499 445 9,567 SH   SOLE   1,200 0 8,367
ISHARES TR CORE S&P MCP ETF 464287507 36,875 222,057 SH   SOLE   199,842 0 22,215
ISHARES TR NASDAQ BIOTECH 464287556 693 7,192 SH   SOLE   6,830 0 362
ISHARES TR RUS 1000 VAL ETF 464287598 942 8,480 SH   SOLE   8,480 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 2,770 21,156 SH   SOLE   19,366 0 1,790
ISHARES TR RUS 1000 ETF 464287622 14,111 101,744 SH   SOLE   94,058 0 7,686
ISHARES TR RUS 2000 VAL ETF 464287630 9,511 88,446 SH   SOLE   79,700 0 8,746
ISHARES TR RUSSELL 2000 ETF 464287655 277 2,071 SH   SOLE   1,820 0 251
ISHARES TR S&P MC 400VL ETF 464287705 421 3,042 SH   SOLE   3,042 0 0
ISHARES TR US HLTHCARE ETF 464287762 250 1,382 SH   SOLE   1,272 0 110
ISHARES TR CORE S&P SCP ETF 464287804 476 6,861 SH   SOLE   6,861 0 0
ISHARES TR SP SMCP600VL ETF 464287879 219 1,657 SH   SOLE   1,016 0 641
ISHARES TR S&P SML 600 GWT 464287887 1,171 7,256 SH   SOLE   4,506 0 2,750
ISHARES TR MSCI ACWI EX US 464288240 596 14,205 SH   SOLE   14,205 0 0
ISHARES TR EAFE SML CP ETF 464288273 24,613 474,976 SH   SOLE   448,165 0 26,812
ISHARES TR JPMORGAN USD EMG 464288281 34,987 336,702 SH   SOLE   312,851 0 23,852
ISHARES TR SHORT TREAS BD 464288679 3,146 28,523 SH   SOLE   28,523 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 101,663 1,037,163 SH   SOLE   948,148 0 89,014
ISHARES TR CORE MSCI EAFE 46432F842 12,519 227,626 SH   SOLE   213,732 0 13,894
ISHARES INC CORE MSCI EMKT 46434G103 41,368 877,364 SH   SOLE   825,633 0 51,731
JPMORGAN CHASE & CO COM 46625H100 510 5,227 SH   SOLE   5,227 0 0
JOHNSON & JOHNSON COM 478160104 2,000 15,495 SH   SOLE   11,937 0 3,558
JUST ENERGY GROUP INC COM 48213W101 66 20,000 SH   SOLE   20,000 0 0
KIMBERLY CLARK CORP COM 494368103 235 2,060 SH   SOLE   1,860 0 200
LOCKHEED MARTIN CORP COM 539830109 1,053 4,022 SH   SOLE   3,809 0 213
LOEWS CORP COM 540424108 683 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 344 3,724 SH   SOLE   3,388 0 336
MCDONALDS CORP COM 580135101 281 1,580 SH   SOLE   1,489 0 91
MERCK & CO INC COM 58933Y105 1,623 21,244 SH   SOLE   21,061 0 183
MICROSOFT CORP COM 594918104 3,261 32,103 SH   SOLE   29,897 0 2,206
MONDELEZ INTL INC CL A 609207105 313 7,822 SH   SOLE   7,822 0 0
NATIONAL COMM CORP COM 63546L102 231 6,412 SH   SOLE   0 0 6,412
NORFOLK SOUTHERN CORP COM 655844108 412 2,754 SH   SOLE   2,754 0 0
NORTHROP GRUMMAN CORP COM 666807102 358 1,463 SH   SOLE   1,463 0 0
ORACLE CORP COM 68389X105 295 6,543 SH   SOLE   5,624 0 919
PEPSICO INC COM 713448108 1,564 14,154 SH   SOLE   13,943 0 211
PFIZER INC COM 717081103 1,134 25,982 SH   SOLE   25,406 0 576
PHILIP MORRIS INTL INC COM 718172109 271 4,064 SH   SOLE   3,418 0 645
PHILLIPS 66 COM 718546104 217 2,522 SH   SOLE   2,352 0 170
PITNEY BOWES INC COM 724479100 75 12,656 SH   SOLE   12,656 0 0
PROCTER AND GAMBLE CO COM 742718109 1,013 11,024 SH   SOLE   8,718 0 2,306
PUBLIC SVC ENTERPRISE GROUP COM 744573106 442 8,497 SH   SOLE   6,705 0 1,792
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,383 9,537 SH   SOLE   8,348 0 1,189
SPDR GOLD TRUST GOLD SHS 78463V107 786 6,480 SH   SOLE   6,480 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,367 98,658 SH   SOLE   96,889 0 1,769
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 556 15,729 SH   SOLE   14,090 0 1,639
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 4,080 75,807 SH   SOLE   66,751 0 9,056
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 11,921 254,771 SH   SOLE   233,308 0 21,463
SPDR SERIES TRUST S&P BIOTECH 78464A870 214 2,982 SH   SOLE   2,982 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,147 13,701 SH   SOLE   13,701 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 225 4,686 SH   SOLE   4,686 0 0
STERLING BANCORP DEL COM 85917A100 199 12,024 SH   SOLE   12,024 0 0
STEWARDSHIP FINL CORP COM 860326107 97 10,702 SH   SOLE   10,702 0 0
TEXAS INSTRS INC COM 882508104 329 3,478 SH   SOLE   3,247 0 231
3M CO COM 88579Y101 2,616 13,728 SH   SOLE   13,115 0 613
UNION PAC CORP COM 907818108 690 4,993 SH   SOLE   4,993 0 0
UNITED TECHNOLOGIES CORP COM 913017109 339 3,188 SH   SOLE   1,378 0 1,810
VANGUARD GROUP DIV APP ETF 921908844 7,875 80,394 SH   SOLE   76,124 0 4,270
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 296 3,742 SH   SOLE   3,742 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 276 7,442 SH   SOLE   7,442 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 592 7,596 SH   SOLE   7,596 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 3,492 46,843 SH   SOLE   43,869 0 2,974
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 25,703 536,370 SH   SOLE   492,181 0 44,189
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 260 5,698 SH   SOLE   5,698 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 16,069 421,758 SH   SOLE   397,899 0 23,859
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 20,540 341,656 SH   SOLE   323,059 0 18,597
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 246 3,157 SH   SOLE   3,157 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 582 2,531 SH   SOLE   2,318 0 213
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 435 5,838 SH   SOLE   5,581 0 257
VANGUARD INDEX FDS SML CP GRW ETF 922908595 318 2,111 SH   SOLE   2,111 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 15,741 138,008 SH   SOLE   132,921 0 5,087
VANGUARD INDEX FDS MID CAP ETF 922908629 1,507 10,904 SH   SOLE   10,051 0 853
VANGUARD INDEX FDS VALUE ETF 922908744 23,246 237,323 SH   SOLE   223,671 0 13,652
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,238 9,699 SH   SOLE   9,192 0 507
VERIZON COMMUNICATIONS INC COM 92343V104 1,174 20,874 SH   SOLE   19,424 0 1,450
WALMART INC COM 931142103 235 2,519 SH   SOLE   473 0 2,046
WISDOMTREE TR FUTRE STRAT FD 97717W125 388 10,000 SH   SOLE   0 0 10,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 531 3,764 SH   SOLE   2,047 0 1,717