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
3M CO COM 88579Y101 360 1,642 SH   SOLE 0 0 1,642
ABBVIE INC COM 00287Y109 247 2,608 SH   SOLE 0 0 2,608
ALPHABET INC CAP STK CL C 02079K107 249 241 SH   SOLE 0 0 241
ALPHABET INC CAP STK CL A 02079K305 249 240 SH   SOLE 0 0 240
AMAZON COM INC COM 023135106 1,042 720 SH   SOLE 0 0 720
APPLE INC COM 037833100 1,402 8,354 SH   SOLE 0 0 8,354
AT&T INC COM 00206R102 335 9,393 SH   SOLE 0 0 9,393
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 454 2,274 SH   SOLE 0 0 2,274
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 18383M258 1,087 52,319 SH   SOLE 0 0 52,319
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2021 18383M266 1,097 52,682 SH   SOLE 0 0 52,682
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 1,114 52,886 SH   SOLE 0 0 52,886
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 1,145 54,595 SH   SOLE 0 0 54,595
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,170 55,362 SH   SOLE 0 0 55,362
COCA COLA CO COM 191216100 334 7,701 SH   SOLE 0 0 7,701
DIREXION SHS ETF TR ALL CP INSIDER 25459Y769 499 12,212 SH   SOLE 0 0 12,212
EXXON MOBIL CORP COM 30231G102 1,470 19,699 SH   SOLE 0 0 19,699
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,417 26,522 SH   SOLE 0 0 26,522
HONEYWELL INTL INC COM 438516106 274 1,897 SH   SOLE 0 0 1,897
INTEL CORP COM 458140100 329 6,317 SH   SOLE 0 0 6,317
INTERNATIONAL BUSINESS MACHS COM 459200101 435 2,836 SH   SOLE 0 0 2,836
INTERPUBLIC GROUP COS INC COM 460690100 309 13,431 SH   SOLE 0 0 13,431
ISHARES INC MIN VOL EMRG MKT 464286533 492 7,897 SH   SOLE 0 0 7,897
ISHARES INC CORE MSCI EMKT 46434G103 895 15,333 SH   SOLE 0 0 15,333
ISHARES TR CORE S&P TTL STK 464287150 421 6,957 SH   SOLE 0 0 6,957
ISHARES TR CORE S&P500 ETF 464287200 1,397 5,264 SH   SOLE 0 0 5,264
ISHARES TR MSCI EAFE ETF 464287465 1,831 26,273 SH   SOLE 0 0 26,273
ISHARES TR RUS MD CP GR ETF 464287481 287 2,325 SH   SOLE 0 0 2,325
ISHARES TR CORE S&P MCP ETF 464287507 452 2,411 SH   SOLE 0 0 2,411
ISHARES TR CORE S&P US GWT 464287671 278 4,942 SH   SOLE 0 0 4,942
ISHARES TR CORE S&P SCP ETF 464287804 1,073 13,934 SH   SOLE 0 0 13,934
ISHARES TR EAFE SML CP ETF 464288273 244 3,750 SH   SOLE 0 0 3,750
ISHARES TR INTRM GOV CR ETF 464288612 487 4,508 SH   SOLE 0 0 4,508
ISHARES TR MODERT ALLOC ETF 464289875 2,913 77,119 SH   SOLE 0 0 77,119
ISHARES TR CORE HIGH DV ETF 46429B663 2,029 24,015 SH   SOLE 0 0 24,015
ISHARES TR MIN VOL EAFE ETF 46429B689 1,254 17,023 SH   SOLE 0 0 17,023
ISHARES TR USA QUALITY FCTR 46432F339 5,308 64,179 SH   SOLE 0 0 64,179
ISHARES TR USA MOMENTUM FCT 46432F396 1,555 14,677 SH   SOLE 0 0 14,677
ISHARES TR CORE 1 5 YR USD 46432F859 28,060 568,582 SH   SOLE 0 0 568,582
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 376 7,509 SH   SOLE 0 0 7,509
JOHNSON & JOHNSON COM 478160104 3,106 24,240 SH   SOLE 0 0 24,240
JP MORGAN EXCHANGE TRADED FD DIV RTN EM EQT 46641Q308 1,279 21,090 SH   SOLE 0 0 21,090
JPMORGAN CHASE & CO COM 46625H100 1,421 12,921 SH   SOLE 0 0 12,921
LILLY ELI & CO COM 532457108 316 4,085 SH   SOLE 0 0 4,085
MCCORMICK & CO INC COM VTG 579780107 249 2,337 SH   SOLE 0 0 2,337
MCDONALDS CORP COM 580135101 233 1,489 SH   SOLE 0 0 1,489
MERCK & CO INC COM 58933Y105 371 6,811 SH   SOLE 0 0 6,811
MICROSOFT CORP COM 594918104 516 5,654 SH   SOLE 0 0 5,654
MORGAN STANLEY COM NEW 617446448 322 5,967 SH   SOLE 0 0 5,967
NEW JERSEY RES COM 646025106 216 5,383 SH   SOLE 0 0 5,383
PEPSICO INC COM 713448108 354 3,246 SH   SOLE 0 0 3,246
PFIZER INC COM 717081103 756 21,301 SH   SOLE 0 0 21,301
PHILIP MORRIS INTL INC COM 718172109 223 2,247 SH   SOLE 0 0 2,247
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 349 3,477 SH   SOLE 0 0 3,477
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 667 14,205 SH   SOLE 0 0 14,205
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 305 1,906 SH   SOLE 0 0 1,906
PROCTER AND GAMBLE CO COM 742718109 960 12,111 SH   SOLE 0 0 12,111
PROSHARES TR INVT INT RT HG 74347B607 229 3,000 SH   SOLE 0 0 3,000
PUBLIC SVC ENTERPRISE GROUP COM 744573106 686 13,657 SH   SOLE 0 0 13,657
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,270 34,105 SH   SOLE 0 0 34,105
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 291 4,449 SH   SOLE 0 0 4,449
SPDR GOLD TRUST GOLD SHS 78463V107 242 1,925 SH   SOLE 0 0 1,925
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 5,325 82,134 SH   SOLE 0 0 82,134
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,119 4,254 SH   SOLE 0 0 4,254
SPDR SER TR NUVEEN BLMBRG SR 78468R739 482 10,070 SH   SOLE 0 0 10,070
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 752 15,686 SH   SOLE 0 0 15,686
TRAVELERS COMPANIES INC COM 89417E109 357 2,571 SH   SOLE 0 0 2,571
UNION PAC CORP COM 907818108 253 1,879 SH   SOLE 0 0 1,879
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 665 28,276 SH   SOLE 0 0 28,276
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 8,952 112,004 SH   SOLE 0 0 112,004
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 546 9,977 SH   SOLE 0 0 9,977
VANGUARD GROUP DIV APP ETF 921908844 1,659 16,421 SH   SOLE 0 0 16,421
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,557 13,959 SH   SOLE 0 0 13,959
VANGUARD INDEX FDS TOTAL STK MKT 922908769 123,256 908,165 SH   SOLE 0 0 908,165
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,256 260,875 SH   SOLE 0 0 260,875
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 17,039 233,578 SH   SOLE 0 0 233,578
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 18,020 309,893 SH   SOLE 0 0 309,893
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 840 10,715 SH   SOLE 0 0 10,715
VANGUARD STAR FD VG TL INTL STK F 921909768 416 7,363 SH   SOLE 0 0 7,363
VERIZON COMMUNICATIONS INC COM 92343V104 265 5,534 SH   SOLE 0 0 5,534
VISA INC COM CL A 92826C839 343 2,868 SH   SOLE 0 0 2,868
WISDOMTREE TR US MIDCP EARNING 97717W570 703 18,172 SH   SOLE 0 0 18,172