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 CO COM 88579Y101 221 1,134 SH   SOLE   0 0 1,134
ALTRIA GROUP INC COM 02209S103 232 3,209 SH   SOLE   0 0 3,209
APPLE INC COM 037833100 381 2,642 SH   SOLE   0 0 2,642
AT&T INC COM 00206R102 316 7,905 SH   SOLE   0 0 7,905
BANK AMER CORP COM 060505104 227 9,472 SH   SOLE   0 0 9,472
CHEVRON CORP NEW COM 166764100 285 2,687 SH   SOLE   0 0 2,687
COLGATE PALMOLIVE CO COM 194162103 571 7,670 SH   SOLE   0 0 7,670
DISNEY WALT CO COM DISNEY 254687106 249 2,158 SH   SOLE   0 0 2,158
ETFS PRECIOUS METALS BASKET PHYS PM BSKT 26922W109 362 5,720 SH   SOLE   0 0 5,720
EXXON MOBIL CORP COM 30231G102 328 4,003 SH   SOLE   0 0 4,003
GENERAL ELECTRIC CO COM 369604103 491 16,662 SH   SOLE   0 0 16,662
GLOBAL X FDS GLBL X MLP ETF 37950E473 447 38,458 SH   SOLE   0 0 38,458
HOME DEPOT INC COM 437076102 227 1,486 SH   SOLE   0 0 1,486
INTERNATIONAL BUSINESS MACHS COM 459200101 217 1,356 SH   SOLE   0 0 1,356
ISHARES TR 1-3 YR CR BD ETF 464288646 1,051 9,968 SH   SOLE   0 0 9,968
ISHARES TR CORE S&P MCP ETF 464287507 2,001 11,485 SH   SOLE   0 0 11,485
ISHARES TR CORE S&P SCP ETF 464287804 1,066 15,221 SH   SOLE   0 0 15,221
ISHARES TR CORE S&P500 ETF 464287200 6,369 26,542 SH   SOLE   0 0 26,542
ISHARES TR CORE US AGGBD ET 464287226 5,870 53,993 SH   SOLE   0 0 53,993
ISHARES TR HDG MSCI EAFE 46434V803 926 33,107 SH   SOLE   0 0 33,107
ISHARES TR IBOXX INV CP ETF 464287242 1,791 15,116 SH   SOLE   0 0 15,116
ISHARES TR INTRM GOV/CR ETF 464288612 2,862 25,874 SH   SOLE   0 0 25,874
ISHARES TR NATIONAL MUN ETF 464288414 1,641 15,029 SH   SOLE   0 0 15,029
ISHARES TR RUS 1000 GRW ETF 464287614 1,008 8,696 SH   SOLE   0 0 8,696
ISHARES TR RUS 1000 VAL ETF 464287598 398 3,447 SH   SOLE   0 0 3,447
JOHNSON & JOHNSON COM 478160104 704 5,710 SH   SOLE   0 0 5,710
JPMORGAN CHASE & CO COM 46625H100 1,858 21,057 SH   SOLE   0 0 21,057
MATINAS BIOPHARMA HLDGS INC COM 576810105 1,162 400,826 SH   SOLE   0 0 400,826
MERCK & CO INC COM 58933Y105 941 15,106 SH   SOLE   0 0 15,106
PIMCO ETF TR INV GRD CRP BD 72201R817 4,423 42,806 SH   SOLE   0 0 42,806
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 7,797 412,200 SH   SOLE   0 0 412,200
POWERSHARES ETF TR II PFD PORTFOLIO 73936T565 2,610 174,480 SH   SOLE   0 0 174,480
POWERSHARES ETF TR II SOVEREIGN DEBT 73936t573 3,015 102,980 SH   SOLE   0 0 102,980
PUBLIC SVC ENTERPRISE GROUP COM 744573106 520 11,637 SH   SOLE   0 0 11,637
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 4,464 182,248 SH   SOLE   0 0 182,248
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 11,987 391,037 SH   SOLE   0 0 391,037
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,128 35,081 SH   SOLE   0 0 35,081
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,966 129,414 SH   SOLE   0 0 129,414
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 210 4,238 SH   SOLE   0 0 4,238
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 18,968 365,290 SH   SOLE   0 0 365,290
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,878 49,851 SH   SOLE   0 0 49,851
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,507 100,422 SH   SOLE   0 0 100,422
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,615 58,740 SH   SOLE   0 0 58,740
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 505 10,086 SH   SOLE   0 0 10,086
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 21,907 384,444 SH   SOLE   0 0 384,444
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,658 96,969 SH   SOLE   0 0 96,969
SCHWAB STRATEGIC TR US REIT ETF 808524847 907 21,871 SH   SOLE   0 0 21,871
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,963 46,320 SH   SOLE   0 0 46,320
SPDR GOLD TRUST GOLD SHS 78463V107 1,528 12,725 SH   SOLE   0 0 12,725
SPDR INDEX SHS FDS DJ INTL RL ETF 78463x863 284 7,346 SH   SOLE   0 0 7,346
SPDR SER TR BLOMBERG BRC INV 78468R200 2,554 83,067 SH   SOLE   0 0 83,067
SPDR SER TR NUVEEN BRC MUNIC 78468R721 3,860 80,160 SH   SOLE   0 0 80,160
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464a417 3,206 86,472 SH   SOLE   0 0 86,472
SPDR SERIES TRUST DJ REIT ETF 78464A607 1,061 11,274 SH   SOLE   0 0 11,274
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 7,487 152,427 SH   SOLE   0 0 152,427
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 1,530 30,565 SH   SOLE   0 0 30,565
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,550 65,475 SH   SOLE   0 0 65,475
VANGUARD INDEX FDS REIT ETF 922908553 1,412 16,729 SH   SOLE   0 0 16,729
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,250 10,215 SH   SOLE   0 0 10,215
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,497 71,310 SH   SOLE   0 0 71,310
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,436 35,408 SH   SOLE   0 0 35,408
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 214 3,975 SH   SOLE   0 0 3,975
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 757 14,900 SH   SOLE   0 0 14,900
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 736 8,048 SH   SOLE   0 0 8,048
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 484 9,691 SH   SOLE   0 0 9,691