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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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
APPLE INC COM 037833100 572 6,152 SH   SOLE 0 0 6,152
BOEING CO COM 097023105 80 70,000 SH   SOLE 0 0 70,000
CATERPILLAR INC DEL COM 149123101 11 10,000 SH   SOLE 0 0 10,000
CHUBB CORP COM 171232101 229 2,482 SH   SOLE 0 0 2,482
CITIGROUP INC COM NEW 172967424 49 45,000 SH   SOLE 0 0 45,000
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 930 43,739 SH   SOLE 0 0 43,739
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 926 40,420 SH   SOLE 0 0 40,420
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 925 41,330 SH   SOLE 0 0 41,330
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 923 42,139 SH   SOLE 0 0 42,139
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 752 35,603 SH   SOLE 0 0 35,603
COCA COLA CO COM 191216100 224 5,296 SH   SOLE 0 0 5,296
CONOCOPHILLIPS COM 20825C104 83 70,000 SH   SOLE 0 0 70,000
EXXON MOBIL CORP COM 30231G102 1,940 19,266 SH   SOLE 0 0 19,266
GENERAL ELECTRIC CO COM 369604103 262 9,982 SH   SOLE 0 0 9,982
INTERNATIONAL BUSINESS MACHS COM 459200101 414 2,285 SH   SOLE 0 0 2,285
ISHARES MSCI EAFE ETF 464287465 17,767 259,865 SH   SOLE 0 0 259,865
ISHARES RUS 3000 GRW ETF 464287671 496 6,669 SH   SOLE 0 0 6,669
ISHARES EAFE SML CP ETF 464288273 2,970 56,118 SH   SOLE 0 0 56,118
ISHARES GOV/CRED BD ETF 464288596 399 3,541 SH   SOLE 0 0 3,541
ISHARES TR HIGH DIVIDND ETF 46429B663 1,737 23,046 SH   SOLE 0 0 23,046
ISHARES TR EAFE MIN VOL ETF 46429B689 349 5,331 SH   SOLE 0 0 5,331
ISHARES TR USA MIN VOL ETF 46429B697 466 12,511 SH   SOLE 0 0 12,511
JOHNSON & JOHNSON COM 478160104 2,396 22,898 SH   SOLE 0 0 22,898
JPMORGAN CHASE & CO COM 46625H100 847 14,699 SH   SOLE 0 0 14,699
LILLY ELI & CO COM 532457108 262 4,208 SH   SOLE 0 0 4,208
MERCK & CO INC NEW COM 58933Y105 564 9,753 SH   SOLE 0 0 9,753
PFIZER INC COM 717081103 201 6,756 SH   SOLE 0 0 6,756
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 508 14,285 SH   SOLE 0 0 14,285
PROCTER & GAMBLE CO COM 742718109 729 9,277 SH   SOLE 0 0 9,277
PUBLIC SVC ENTERPRISE GROUP COM 744573106 360 8,817 SH   SOLE 0 0 8,817
TRAVELERS COMPANIES INC COM 89417E109 216 2,291 SH   SOLE 0 0 2,291
VALLEY NATL BANCORP COM 919794107 156 15,715 SH   SOLE 0 0 15,715
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 55,926 680,200 SH   SOLE 0 0 680,200
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 27,705 538,909 SH   SOLE 0 0 538,909
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,319 15,039 SH   SOLE 0 0 15,039
VANGUARD INDEX FDS TOTAL STK MKT 922908769 116,725 1,146,945 SH   SOLE 0 0 1,146,945
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,925 137,379 SH   SOLE 0 0 137,379
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,018 11,759 SH   SOLE 0 0 11,759
VANGUARD STAR FD VG TL INTL STK F 921909768 25,163 463,488 SH   SOLE 0 0 463,488
VERIZON COMMUNICATIONS INC COM 92343V104 254 5,186 SH   SOLE 0 0 5,186