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 344 1,638 SH   SOLE 0 0 1,638
ABBVIE INC COM 00287Y109 225 2,536 SH   SOLE 0 0 2,536
ALPHABET INC CAP STK CL A 02079K305 227 233 SH   SOLE 0 0 233
ALTRIA GROUP INC COM 02209S103 234 3,689 SH   SOLE 0 0 3,689
AMAZON COM INC COM 023135106 481 500 SH   SOLE 0 0 500
APPLE INC COM 037833100 1,264 8,198 SH   SOLE 0 0 8,198
AT&T INC COM 00206R102 390 9,960 SH   SOLE 0 0 9,960
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 418 2,281 SH   SOLE 0 0 2,281
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2021 18383M266 925 43,297 SH   SOLE 0 0 43,297
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 1,068 49,664 SH   SOLE 0 0 49,664
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 1,093 51,416 SH   SOLE 0 0 51,416
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,109 52,322 SH   SOLE 0 0 52,322
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 1,102 48,726 SH   SOLE 0 0 48,726
COCA COLA CO COM 191216100 339 7,525 SH   SOLE 0 0 7,525
EXXON MOBIL CORP COM 30231G102 1,608 19,620 SH   SOLE 0 0 19,620
FACEBOOK INC CL A 30303M102 212 1,243 SH   SOLE 0 0 1,243
GENERAL ELECTRIC CO COM 369604103 326 13,493 SH   SOLE 0 0 13,493
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,116 22,355 SH   SOLE 0 0 22,355
INTERNATIONAL BUSINESS MACHS COM 459200101 411 2,835 SH   SOLE 0 0 2,835
ISHARES INC MIN VOL EMRG MKT 464286533 453 7,805 SH   SOLE 0 0 7,805
ISHARES INC CORE MSCI EMKT 46434G103 726 13,430 SH   SOLE 0 0 13,430
ISHARES TR CORE S&P TTL STK 464287150 495 8,585 SH   SOLE 0 0 8,585
ISHARES TR CORE S&P500 ETF 464287200 1,620 6,405 SH   SOLE 0 0 6,405
ISHARES TR MSCI EAFE ETF 464287465 1,981 28,926 SH   SOLE 0 0 28,926
ISHARES TR RUS MD CP GR ETF 464287481 257 2,325 SH   SOLE 0 0 2,325
ISHARES TR CORE S&P MCP ETF 464287507 465 2,602 SH   SOLE 0 0 2,602
ISHARES TR CORE S&P US GWT 464287671 247 4,942 SH   SOLE 0 0 4,942
ISHARES TR CORE S&P SCP ETF 464287804 922 12,425 SH   SOLE 0 0 12,425
ISHARES TR EAFE SML CP ETF 464288273 266 4,293 SH   SOLE 0 0 4,293
ISHARES TR INTRM GOV CR ETF 464288612 301 2,700 SH   SOLE 0 0 2,700
ISHARES TR CORE HIGH DV ETF 46429B663 2,046 23,803 SH   SOLE 0 0 23,803
ISHARES TR MIN VOL EAFE ETF 46429B689 1,211 17,038 SH   SOLE 0 0 17,038
ISHARES TR USA QUALITY FCTR 46432F339 3,559 46,141 SH   SOLE 0 0 46,141
ISHARES TR 0-5YR HI YL CP 46434V407 233 4,866 SH   SOLE 0 0 4,866
JOHNSON & JOHNSON COM 478160104 2,992 23,010 SH   SOLE 0 0 23,010
JPMORGAN CHASE & CO COM 46625H100 1,330 13,920 SH   SOLE 0 0 13,920
LILLY ELI & CO COM 532457108 349 4,080 SH   SOLE 0 0 4,080
MCCORMICK & CO INC COM VTG 579780107 238 2,314 SH   SOLE 0 0 2,314
MCDONALDS CORP COM 580135101 235 1,499 SH   SOLE 0 0 1,499
MERCK & CO INC COM 58933Y105 672 10,494 SH   SOLE 0 0 10,494
MICROSOFT CORP COM 594918104 362 4,862 SH   SOLE 0 0 4,862
NEW JERSEY RES COM 646025106 229 5,433 SH   SOLE 0 0 5,433
PEPSICO INC COM 713448108 324 2,908 SH   SOLE 0 0 2,908
PFIZER INC COM 717081103 781 21,877 SH   SOLE 0 0 21,877
PHILIP MORRIS INTL INC COM 718172109 268 2,419 SH   SOLE 0 0 2,419
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 354 3,477 SH   SOLE 0 0 3,477
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 654 14,285 SH   SOLE 0 0 14,285
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 277 1,906 SH   SOLE 0 0 1,906
PROCTER AND GAMBLE CO COM 742718109 1,001 11,005 SH   SOLE 0 0 11,005
PUBLIC SVC ENTERPRISE GROUP COM 744573106 631 13,649 SH   SOLE 0 0 13,649
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 269 4,544 SH   SOLE 0 0 4,544
SPDR GOLD TRUST GOLD SHS 78463V107 231 1,900 SH   SOLE 0 0 1,900
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 1,419 22,313 SH   SOLE 0 0 22,313
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 437 9,150 SH   SOLE 0 0 9,150
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,063 4,232 SH   SOLE 0 0 4,232
SPDR SER TR NUVEEN BLMBRG SR 78468R739 485 9,975 SH   SOLE 0 0 9,975
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 619 12,569 SH   SOLE 0 0 12,569
TRAVELERS COMPANIES INC COM 89417E109 305 2,490 SH   SOLE 0 0 2,490
UNION PAC CORP COM 907818108 203 1,748 SH   SOLE 0 0 1,748
VALLEY NATL BANCORP COM 919794107 202 16,771 SH   SOLE 0 0 16,771
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 580 24,122 SH   SOLE 0 0 24,122
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 45,081 550,032 SH   SOLE 0 0 550,032
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 582 10,666 SH   SOLE 0 0 10,666
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 239 1,964 SH   SOLE 0 0 1,964
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,519 14,176 SH   SOLE 0 0 14,176
VANGUARD INDEX FDS TOTAL STK MKT 922908769 130,395 1,006,756 SH   SOLE 0 0 1,006,756
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 220 1,914 SH   SOLE 0 0 1,914
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,654 267,469 SH   SOLE 0 0 267,469
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 12,374 181,439 SH   SOLE 0 0 181,439
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 12,545 215,067 SH   SOLE 0 0 215,067
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 730 9,115 SH   SOLE 0 0 9,115
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 203 2,310 SH   SOLE 0 0 2,310
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1,312 13,839 SH   SOLE 0 0 13,839
VANGUARD STAR FD VG TL INTL STK F 921909768 3,094 56,532 SH   SOLE 0 0 56,532
VANGUARD WORLD FD MEGA GRWTH IND 921910816 393 3,753 SH   SOLE 0 0 3,753
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 288 4,009 SH   SOLE 0 0 4,009
VERIZON COMMUNICATIONS INC COM 92343V104 290 5,869 SH   SOLE 0 0 5,869
WISDOMTREE TR US MIDCP EARNING 97717W570 526 14,126 SH   SOLE 0 0 14,126