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 476 2,268 SH   SOLE   0 0 1,524
ABBVIE INC COM 00287Y109 204 2,310 SH   SOLE   0 0 4,508
ALTRIA GROUP INC COM 02209S103 418 6,618 SH   SOLE   0 0 2,489
AMAZON COM INC COM 023135106 250 260 SH   SOLE   0 0 1,304
APPLE INC COM 037833100 1,124 7,294 SH   SOLE   0 0 1,864
AT&T INC COM 00206R102 546 13,936 SH   SOLE   0 0 18,121
BANK AMER CORP COM 060505104 576 22,758 SH   SOLE   0 0 12,543
BANK NEW YORK MELLON CORP COM 064058100 254 4,800 SH   SOLE   0 0 11,440
BLACKROCK MUNIYIELD N J FD I COM 09254Y109 174 10,778 SH   SOLE   0 0 65,010
BOEING CO COM 097023105 356 1,404 SH   SOLE   0 0 328
CELGENE CORP COM 151020104 360 2,474 SH   SOLE   0 0 4,659
CHEVRON CORP NEW COM 166764100 614 5,236 SH   SOLE   0 0 11,524
CISCO SYS INC COM 17275R102 356 10,554 SH   SOLE   0 0 12,223
CITIGROUP INC COM NEW 172967424 212 2,892 SH   SOLE   0 0 719
COLGATE PALMOLIVE CO COM 194162103 1,118 15,340 SH   SOLE   0 0 19,898
COMCAST CORP NEW CL A 20030N101 260 6,680 SH   SOLE   0 0 5,007
DISNEY WALT CO COM DISNEY 254687106 416 4,212 SH   SOLE   0 0 3,555
EXXON MOBIL CORP COM 30231G102 658 8,006 SH   SOLE   0 0 8,984
FACEBOOK INC CL A 30303M102 410 2,400 SH   SOLE   0 0 2,376
GENERAL ELECTRIC CO COM 369604103 748 31,074 SH   SOLE   0 0 5,365
GLOBAL X FDS GLBL X MLP ETF 37950E473 2,148 208,430 SH   SOLE   0 0 292,438
HERSHEY CO COM 427866108 300 2,748 SH   SOLE   0 0 13,310
HOME DEPOT INC COM 437076102 486 2,972 SH   SOLE   0 0 9,619
IMMUNOGEN INC COM 45253H101 154 20,000 SH   SOLE   0 0 16,711
INTERNATIONAL BUSINESS MACHS COM 459200101 390 2,712 SH   SOLE   0 0 8,557
ISHARES TR 1 3 YR CR BD ETF 464288646 2,040 19,389 SH   SOLE   0 0 188,501
ISHARES TR CORE S&P MCP ETF 464287507 3,965 22,113 SH   SOLE   0 0 150,369
ISHARES TR CORE S&P SCP ETF 464287804 2,174 29,386 SH   SOLE   0 0 156,855
ISHARES TR CORE S&P500 ETF 464287200 12,683 50,165 SH   SOLE   0 0 240,337
ISHARES TR CORE US AGGBD ET 464287226 11,243 102,647 SH   SOLE   0 0 116,125
ISHARES TR HDG MSCI EAFE 46434V803 1,548 53,606 SH   SOLE   0 0 56,924
ISHARES TR IBOXX INV CP ETF 464287242 3,534 29,235 SH   SOLE   0 0 90,519
ISHARES TR INTRM GOV CR ETF 464288612 5,591 50,392 SH   SOLE   0 0 102,208
ISHARES TR NATIONAL MUN ETF 464288414 2,578 23,254 SH   SOLE   0 0 26,912
ISHARES TR RUS 1000 ETF 464287622 302 2,158 SH   SOLE   0 0 8,528
ISHARES TR RUS 1000 GRW ETF 464287614 2,283 18,249 SH   SOLE   0 0 34,053
ISHARES TR RUS 1000 VAL ETF 464287598 922 7,732 SH   SOLE   0 0 24,291
ISHARES TR RUSSELL 3000 ETF 464287689 360 2,418 SH   SOLE   0 0 1,842
JOHNSON & JOHNSON COM 478160104 1,508 11,586 SH   SOLE   0 0 18,500
JPMORGAN CHASE & CO COM 46625H100 4,022 42,114 SH   SOLE   0 0 12,419
MATINAS BIOPHARMA HLDGS INC COM 576810105 1,058 801,652 SH   SOLE   0 0 156
MERCK & CO INC COM 58933Y105 1,934 30,212 SH   SOLE   0 0 23,988
MICROSOFT CORP COM 594918104 354 4,746 SH   SOLE   0 0 3,320
NEXTERA ENERGY INC COM 65339F101 308 2,104 SH   SOLE   0 0 4,804
PARK NATL CORP COM 700658107 314 2,908 SH   SOLE   0 0 59
PIMCO ETF TR INV GRD CRP BD 72201R817 11,324 107,707 SH   SOLE   0 0 326,717
PNC FINL SVCS GROUP INC COM 693475105 264 1,956 SH   SOLE   0 0 88
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 20,176 1,058,521 SH   SOLE   0 0 1,306,926
POWERSHARES ETF TR II PFD PORTFOLIO 73936T565 6,699 445,827 SH   SOLE   0 0 728,463
POWERSHARES ETF TR II SOVEREIGN DEBT 73936t573 7,240 243,526 SH   SOLE   0 0 555,159
PROCTER AND GAMBLE CO COM 742718109 276 3,042 SH   SOLE   0 0 120
PUBLIC SVC ENTERPRISE GROUP COM 744573106 1,120 24,222 SH   SOLE   0 0 17,641
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 10,960 408,192 SH   SOLE   0 0 856,656
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 27,435 820,195 SH   SOLE   0 0 1,380,749
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,667 74,495 SH   SOLE   0 0 270,179
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 17,747 329,247 SH   SOLE   0 0 717,665
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 500 10,038 SH   SOLE   0 0 160,577
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 40,164 767,178 SH   SOLE   0 0 1,981,370
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,725 111,031 SH   SOLE   0 0 453,266
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 10,722 229,668 SH   SOLE   0 0 732,387
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 7,604 115,199 SH   SOLE   0 0 345,923
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,030 20,004 SH   SOLE   0 0 12,150
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 49,527 824,704 SH   SOLE   0 0 2,116,126
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,385 247,021 SH   SOLE   0 0 691,763
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,217 102,667 SH   SOLE   0 0 216,287
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 9,191 136,524 SH   SOLE   0 0 890,990
SPDR INDEX SHS FDS DJ INTL RL ETF 78463x863 1,416 37,229 SH   SOLE   0 0 227,345
SPDR SER TR BLOMBERG BRC INV 78468R200 6,521 212,207 SH   SOLE   0 0 751,856
SPDR SER TR NUVEEN BRC MUNIC 78468R721 13,603 278,111 SH   SOLE   0 0 306,016
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464a417 6,313 169,241 SH   SOLE   0 0 172,955
SPDR SERIES TRUST DJ REIT ETF 78464A607 2,014 21,925 SH   SOLE   0 0 90,469
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 15,527 315,266 SH   SOLE   0 0 425,369
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 3,275 64,058 SH   SOLE   0 0 331,624
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 7,636 139,820 SH   SOLE   0 0 343,500
VANGUARD INDEX FDS GROWTH ETF 922908736 209 1,557 SH   SOLE   0 0 8,215
VANGUARD INDEX FDS REIT ETF 922908553 552 6,649 SH   SOLE   0 0 6,675
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,550 19,719 SH   SOLE   0 0 663,884
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,114 134,847 SH   SOLE   0 0 136,659
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,999 68,703 SH   SOLE   0 0 150,134
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 330 5,678 SH   SOLE   0 0 12,116
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 516 10,000 SH   SOLE   0 0 560,791
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,549 16,400 SH   SOLE   0 0 112,781
VERIZON COMMUNICATIONS INC COM 92343V104 552 11,114 SH   SOLE   0 0 16,438
WISDOMTREE TR BARCLYS YLD AGGR 97717X511 784 15,466 SH   SOLE   0 0 418