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 267 1,134 SH   SOLE   0 0 1,134
ALTRIA GROUP INC COM 02209S103 229 3,209 SH   SOLE   0 0 3,209
APPLE INC COM 037833100 620 3,662 SH   SOLE   0 0 3,662
AT&T INC COM 00206R102 273 6,981 SH   SOLE   0 0 6,981
BANK AMER CORP COM 060505104 336 11,379 SH   SOLE   0 0 11,379
BOEING CO COM 097023105 207 702 SH   SOLE   0 0 702
CHEVRON CORP NEW COM 166764100 328 2,618 SH   SOLE   0 0 2,618
CISCO SYS INC COM 17275R102 202 5,277 SH   SOLE   0 0 5,277
COLGATE PALMOLIVE CO COM 194162103 552 7,330 SH   SOLE   0 0 7,330
DISNEY WALT CO COM DISNEY 254687106 223 2,080 SH   SOLE   0 0 2,080
EXXON MOBIL CORP COM 30231G102 302 3,603 SH   SOLE   0 0 3,603
FACEBOOK INC CL A 30303M102 211 1,200 SH   SOLE   0 0 1,200
GENERAL ELECTRIC CO COM 369604103 253 14,527 SH   SOLE   0 0 14,527
GLOBAL X FDS GLBL X MLP ETF 37950E473 989 100,795 SH   SOLE   0 0 100,795
HOME DEPOT INC COM 437076102 282 1,486 SH   SOLE   0 0 1,486
IMMUNOGEN INC COM 45253H101 64 10,000 SH   SOLE   0 0 10,000
INTERNATIONAL BUSINESS MACHS COM 459200101 207 1,356 SH   SOLE   0 0 1,356
ISHARES TR 0-5YR HI YL CP 46434V407 2,631 55,777 SH   SOLE   0 0 55,777
ISHARES TR CORE S&P500 ETF 464287200 601 2,227 SH   SOLE   0 0 2,227
ISHARES TR CORE US AGGBD ET 464287226 465 4,269 SH   SOLE   0 0 4,269
ISHARES TR FLTG RATE NT ETF 46429B655 763 15,008 SH   SOLE   0 0 15,008
ISHARES TR HDG MSCI EAFE 46434V803 584 19,656 SH   SOLE   0 0 19,656
ISHARES TR IBOXX INV CP ETF 464287242 304 2,495 SH   SOLE   0 0 2,495
ISHARES TR INTRM GOV CR ETF 464288612 469 4,268 SH   SOLE   0 0 4,268
ISHARES TR JPMORGAN USD EMG 464288281 1,548 13,368 SH   SOLE   0 0 13,368
ISHARES TR NATIONAL MUN ETF 464288414 1,288 11,627 SH   SOLE   0 0 11,627
ISHARES TR RUS 1000 GRW ETF 464287614 1,092 8,098 SH   SOLE   0 0 8,098
ISHARES TR RUS 1000 VAL ETF 464287598 367 2,948 SH   SOLE   0 0 2,948
JOHNSON & JOHNSON COM 478160104 812 5,807 SH   SOLE   0 0 5,807
JPMORGAN CHASE & CO COM 46625H100 2,231 20,867 SH   SOLE   0 0 20,867
MATINAS BIOPHARMA HLDGS INC COM 576810105 465 400,826 SH   SOLE   0 0 400,826
MERCK & CO INC COM 58933Y105 848 15,066 SH   SOLE   0 0 15,066
MICROSOFT CORP COM 594918104 201 2,355 SH   SOLE   0 0 2,355
PIMCO ETF TR ACTIVE BD ETF 72201R775 424 3,999 SH   SOLE   0 0 3,999
PIMCO ETF TR INV GRD CRP BD 72201R817 6,059 57,477 SH   SOLE   0 0 57,477
POWERSHARES ETF TR II FDM HG YLD RAFI 73936T557 10,319 544,701 SH   SOLE   0 0 544,701
POWERSHARES ETF TR II SOVEREIGN DEBT 73936t573 5,840 198,122 SH   SOLE   0 0 198,122
PUBLIC SVC ENTERPRISE GROUP COM 744573106 623 12,111 SH   SOLE   0 0 12,111
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 6,285 225,058 SH   SOLE   0 0 225,058
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 14,193 416,447 SH   SOLE   0 0 416,447
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,320 35,863 SH   SOLE   0 0 35,863
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 6,257 117,598 SH   SOLE   0 0 117,598
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 460 9,380 SH   SOLE   0 0 9,380
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 23,142 444,714 SH   SOLE   0 0 444,714
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,962 61,527 SH   SOLE   0 0 61,527
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,989 156,207 SH   SOLE   0 0 156,207
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,883 55,055 SH   SOLE   0 0 55,055
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 545 9,969 SH   SOLE   0 0 9,969
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 26,654 417,802 SH   SOLE   0 0 417,802
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 5,720 107,632 SH   SOLE   0 0 107,632
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,136 51,543 SH   SOLE   0 0 51,543
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 5,301 76,104 SH   SOLE   0 0 76,104
SPDR INDEX SHS FDS DJ INTL RL ETF 78463x863 746 18,523 SH   SOLE   0 0 18,523
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,357 105,898 SH   SOLE   0 0 105,898
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 1,558 40,918 SH   SOLE   0 0 40,918
SPDR SER TR BLOMBERG BRC INV 78468R200 2,977 97,385 SH   SOLE   0 0 97,385
SPDR SER TR NUVEEN BRC MUNIC 78468R721 7,415 151,442 SH   SOLE   0 0 151,442
SPDR SER TR PORTFOLIO SM ETF 78468R853 1,221 40,516 SH   SOLE   0 0 40,516
SPDR SER TR PRTFLO S&P500 HI 78468R788 1,213 32,494 SH   SOLE   0 0 32,494
SPDR SERIES TRUST BLOOMBERG BRCLYS 78464a417 526 14,379 SH   SOLE   0 0 14,379
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 6,174 214,959 SH   SOLE   0 0 214,959
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 1,538 45,015 SH   SOLE   0 0 45,015
SPDR SERIES TRUST PORTFOLIO LR ETF 78464A854 6,049 193,255 SH   SOLE   0 0 193,255
SPDR SERIES TRUST PORTFOLIO MD ETF 78464A847 1,510 45,392 SH   SOLE   0 0 45,392
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 1,539 50,702 SH   SOLE   0 0 50,702
SPDR SERIES TRUST PORTFOLIO TL STK 78464A805 1,364 41,081 SH   SOLE   0 0 41,081
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 7,021 144,238 SH   SOLE   0 0 144,238
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 1,578 31,377 SH   SOLE   0 0 31,377
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 3,737 68,820 SH   SOLE   0 0 68,820
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 352 6,412 SH   SOLE   0 0 6,412
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 258 5,000 SH   SOLE   0 0 5,000
VERIZON COMMUNICATIONS INC COM 92343V104 272 5,111 SH   SOLE   0 0 5,111