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
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 473 21,184 SH   SOLE 0 0 21,184
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 480 21,734 SH   SOLE 0 0 21,734
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 481 22,119 SH   SOLE 0 0 22,119
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 418 19,644 SH   SOLE 0 0 19,644
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2013 18383M589 415 19,954 SH   SOLE 0 0 19,954
EXXON MOBIL CORP COM 30231G102 1,020 11,288 SH   SOLE 0 0 11,288
ISHARES TR MSCI EAFE INDEX 464287465 15,057 262,768 SH   SOLE 0 0 262,768
ISHARES TR RUSL 3000 GROW 464287671 340 5,710 SH   SOLE 0 0 5,710
ISHARES TR MSCI SMALL CAP 464288273 2,465 58,766 SH   SOLE 0 0 58,766
ISHARES TR HGH DIV EQT FD 46429B663 15,293 230,522 SH   SOLE 0 0 230,522
JOHNSON & JOHNSON COM 478160104 1,685 19,630 SH   SOLE 0 0 19,630
MARKET VECTORS ETF TR PFD SEC EXFINL 57061R791 239 12,010 SH   SOLE 0 0 12,010
MERCK & CO INC NEW COM 58933Y105 388 8,354 SH   SOLE 0 0 8,354
PROCTER & GAMBLE CO COM 742718109 697 9,051 SH   SOLE 0 0 9,051
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 12,892 462,910 SH   SOLE 0 0 462,910
VALLEY NATL BANCORP COM 919794107 149 15,715 SH   SOLE 0 0 15,715
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 90,485 1,118,751 SH   SOLE 0 0 1,118,751
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 899 12,868 SH   SOLE 0 0 12,868
VANGUARD INDEX FDS TOTAL STK MKT 922908769 96,414 1,166,249 SH   SOLE 0 0 1,166,249
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 612 7,743 SH   SOLE 0 0 7,743
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,142 13,757 SH   SOLE 0 0 13,757
VANGUARD STAR FD VG TL INTL STK F 921909768 20,633 451,694 SH   SOLE 0 0 451,694