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
3M CO COM 88579Y101 226 1,085 SH   SOLE 1,085 0 0
ADVISORSHARES TR PERITUS HG YLD 00768Y503 293 8,154 SH   SOLE 8,154 0 0
ALPHABET INC CAP STK CL A 02079K305 248 267 SH   SOLE 267 0 0
ALTRIA GROUP INC COM 02209S103 245 3,289 SH   SOLE 3,289 0 0
AMAZON COM INC COM 023135106 484 500 SH   SOLE 500 0 0
APPLE INC COM 037833100 1,239 8,601 SH   SOLE 8,601 0 0
AT&T INC COM 00206R102 361 9,576 SH   SOLE 9,576 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 386 2,281 SH   SOLE 2,281 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2021 18383M266 977 45,860 SH   SOLE 45,860 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 1,058 49,252 SH   SOLE 49,252 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 1,086 51,075 SH   SOLE 51,075 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,103 51,902 SH   SOLE 51,902 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 1,093 48,338 SH   SOLE 48,338 0 0
COCA COLA CO COM 191216100 340 7,580 SH   SOLE 7,580 0 0
DISNEY WALT CO COM DISNEY 254687106 234 2,201 SH   SOLE 2,201 0 0
EXXON MOBIL CORP COM 30231G102 1,781 22,062 SH   SOLE 22,062 0 0
GENERAL ELECTRIC CO COM 369604103 359 13,296 SH   SOLE 13,296 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 958 19,921 SH   SOLE 19,921 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 434 2,824 SH   SOLE 2,824 0 0
ISHARES MIN VOL EMRG MKT 464286533 420 7,579 SH   SOLE 7,579 0 0
ISHARES INC CORE MSCI EMKT 46434G103 607 12,127 SH   SOLE 12,127 0 0
ISHARES TR CORE S&P TTL STK 464287150 482 8,702 SH   SOLE 8,702 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,621 6,658 SH   SOLE 6,658 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,879 28,817 SH   SOLE 28,817 0 0
ISHARES TR RUS MD CP GR ETF 464287481 251 2,325 SH   SOLE 2,325 0 0
ISHARES TR CORE S&P MCP ETF 464287507 485 2,790 SH   SOLE 2,790 0 0
ISHARES TR CORE S&P US ETF 464287671 238 4,942 SH   SOLE 4,942 0 0
ISHARES TR CORE S&P SCP ETF 464287804 846 12,065 SH   SOLE 12,065 0 0
ISHARES TR EAFE SML CP ETF 464288273 248 4,293 SH   SOLE 4,293 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,934 23,266 SH   SOLE 23,266 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 1,092 15,775 SH   SOLE 15,775 0 0
ISHARES TR USA QUALITY FCTR 46432F339 3,147 42,315 SH   SOLE 42,315 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 246 5,139 SH   SOLE 5,139 0 0
ISHARES U S ETF TR COMMOD SEL STG 46431W853 458 14,039 SH   SOLE 14,039 0 0
JOHNSON & JOHNSON COM 478160104 3,042 22,998 SH   SOLE 22,998 0 0
JPMORGAN CHASE & CO COM 46625H100 1,247 13,641 SH   SOLE 13,641 0 0
LILLY ELI & CO COM 532457108 336 4,078 SH   SOLE 4,078 0 0
MCCORMICK & CO INC COM VTG 579780107 225 2,303 SH   SOLE 2,303 0 0
MERCK & CO INC COM 58933Y105 486 7,579 SH   SOLE 7,579 0 0
MICROSOFT CORP COM 594918104 340 4,939 SH   SOLE 4,939 0 0
NEW JERSEY RES COM 646025106 216 5,433 SH   SOLE 5,433 0 0
PEPSICO INC COM 713448108 312 2,705 SH   SOLE 2,705 0 0
PFIZER INC COM 717081103 730 21,742 SH   SOLE 21,742 0 0
PHILIP MORRIS INTL INC COM 718172109 284 2,415 SH   SOLE 2,415 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 352 3,477 SH   SOLE 3,477 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 639 14,285 SH   SOLE 14,285 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 262 1,906 SH   SOLE 1,906 0 0
PROCTER AND GAMBLE CO COM 742718109 951 10,913 SH   SOLE 10,913 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 583 13,566 SH   SOLE 13,566 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 248 4,527 SH   SOLE 4,527 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 224 1,900 SH   SOLE 1,900 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 817 13,446 SH   SOLE 13,446 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 385 8,075 SH   SOLE 8,075 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 932 3,853 SH   SOLE 3,853 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 451 9,299 SH   SOLE 9,299 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 600 12,185 SH   SOLE 12,185 0 0
TRAVELERS COMPANIES INC COM 89417E109 320 2,530 SH   SOLE 2,530 0 0
VALLEY NATL BANCORP COM 919794107 198 16,771 SH   SOLE 16,771 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 539 22,514 SH   SOLE 22,514 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 43,417 530,580 SH   SOLE 530,580 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 594 10,936 SH   SOLE 10,936 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 231 1,961 SH   SOLE 1,961 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,435 14,024 SH   SOLE 14,024 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 124,797 1,002,786 SH   SOLE 1,002,786 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 211 1,954 SH   SOLE 1,954 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,139 272,817 SH   SOLE 272,817 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 11,907 180,954 SH   SOLE 180,954 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 12,212 221,468 SH   SOLE 221,468 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 711 8,877 SH   SOLE 8,877 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 206 2,349 SH   SOLE 2,349 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,141 12,317 SH   SOLE 12,317 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 3,033 58,353 SH   SOLE 58,353 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 376 3,753 SH   SOLE 3,753 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 278 4,009 SH   SOLE 4,009 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 252 5,648 SH   SOLE 5,648 0 0
WISDOMTREE TR US MIDCP EARNING 97717W570 448 12,522 SH   SOLE 12,522 0 0