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 5,817 33,558 SH   SOLE   33,558 0 0
ABBOTT LABS COM 002824100 5,765 68,552 SH   SOLE   68,552 0 0
ABBVIE INC COM 00287y109 5,396 74,204 SH   SOLE   74,204 0 0
ACADIA HEALTHCARE COMPANY IN COM 00404A109 878 25,108 SH   SOLE   25,108 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,342 18,088 SH   SOLE   18,088 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609w102 2,287 13,499 SH   SOLE   13,499 0 0
ALPHABET INC CAP STK CL C 02079k107 1,702 1,575 SH   SOLE   1,575 0 0
ALPHABET INC CAP STK CL A 02079k305 5,452 5,035 SH   SOLE   5,035 0 0
ALTRIA GROUP INC COM 02209S103 461 9,739 SH   SOLE   9,739 0 0
AMAZON COM INC COM 023135106 3,959 2,091 SH   SOLE   2,091 0 0
AMERICAN EXPRESS CO COM 025816109 241 1,953 SH   SOLE   1,953 0 0
AMERICAN TOWER CORP NEW COM 03027x100 2,906 14,213 SH   SOLE   14,213 0 0
APPLE INC COM 037833100 10,482 52,962 SH   SOLE   52,962 0 0
ASHLAND GLOBAL HLDGS INC COM 044186104 2,174 27,191 SH   SOLE   27,191 0 0
AT&T INC COM 00206R102 722 21,556 SH   SOLE   21,556 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,066 6,445 SH   SOLE   6,445 0 0
AVERY DENNISON CORP COM 053611109 2,332 20,157 SH   SOLE   20,157 0 0
BECTON DICKINSON & CO COM 075887109 1,029 4,083 SH   SOLE   4,083 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,502 11,738 SH   SOLE   11,738 0 0
BOEING CO COM 097023105 2,636 7,240 SH   SOLE   7,240 0 0
BOOKING HLDGS INC COM 09857L108 1,802 961 SH   SOLE   961 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,365 30,106 SH   SOLE   30,106 0 0
CAMBRIDGE BANCORP COM 132152109 763 9,366 SH   SOLE   9,366 0 0
CDK GLOBAL INC COM 12508e101 217 4,398 SH   SOLE   4,398 0 0
CELGENE CORP COM 151020104 1,050 11,361 SH   SOLE   11,361 0 0
CHECK POINT SOFTWARE TECH LT ORD m22465104 3,102 26,828 SH   SOLE   26,828 0 0
CHEVRON CORP NEW COM 166764100 1,639 13,170 SH   SOLE   13,170 0 0
CITIGROUP INC COM NEW 172967424 2,307 32,939 SH   SOLE   32,939 0 0
CITY HLDG CO COM 177835105 610 8,000 SH   SOLE   8,000 0 0
COCA COLA CO COM 191216100 4,386 86,137 SH   SOLE   86,137 0 0
CONSTELLATION BRANDS INC CL A 21036p108 1,287 6,534 SH   SOLE   6,534 0 0
COSTCO WHSL CORP NEW COM 22160k105 1,239 4,690 SH   SOLE   4,690 0 0
DANAHER CORPORATION COM 235851102 2,589 18,115 SH   SOLE   18,115 0 0
DISCOVER FINL SVCS COM 254709108 1,830 23,586 SH   SOLE   23,586 0 0
DISNEY WALT CO COM DISNEY 254687106 3,231 23,136 SH   SOLE   23,136 0 0
DOLLAR GEN CORP NEW COM 256677105 2,096 15,511 SH   SOLE   15,511 0 0
EAST WEST BANCORP INC COM 27579r104 1,122 23,986 SH   SOLE   23,986 0 0
EMERSON ELEC CO COM 291011104 3,561 53,374 SH   SOLE   53,374 0 0
EXXON MOBIL CORP COM 30231g102 2,862 37,349 SH   SOLE   37,349 0 0
FACEBOOK INC CL A 30303m102 5,380 27,875 SH   SOLE   27,875 0 0
FEDEX CORP COM 31428x106 1,744 10,622 SH   SOLE   10,622 0 0
FIRST TR EXCHANGE TRADED FD FST LOW OPPT EFT 33739Q200 9,626 186,253 SH   SOLE   186,253 0 0
FIRST TR MID CAP CORE ALPHAD COM SHS 33735b108 8,790 127,763 SH   SOLE   127,763 0 0
FISERV INC COM 337738108 410 4,494 SH   SOLE   4,494 0 0
FORTIVE CORP COM 34959j108 1,444 17,711 SH   SOLE   17,711 0 0
GENERAL DYNAMICS CORP COM 369550108 1,031 5,669 SH   SOLE   5,669 0 0
GENERAL ELECTRIC CO COM 369604103 356 33,925 SH   SOLE   33,925 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 811 20,277 SH   SOLE   20,277 0 0
GLOBAL PMTS INC COM 37940x102 2,952 18,438 SH   SOLE   18,438 0 0
GOLDMAN SACHS GROUP INC COM 38141g104 1,184 5,788 SH   SOLE   5,788 0 0
HALLIBURTON CO COM 406216101 517 22,740 SH   SOLE   22,740 0 0
HCA HEALTHCARE INC COM 40412c101 2,291 16,950 SH   SOLE   16,950 0 0
HOME DEPOT INC COM 437076102 4,147 19,940 SH   SOLE   19,940 0 0
HONEYWELL INTL INC COM 438516106 1,750 10,025 SH   SOLE   10,025 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 338 2,449 SH   SOLE   2,449 0 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 VL 46137V191 3,491 52,096 SH   SOLE   52,096 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 28,082 432,036 SH   SOLE   432,036 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137v266 12,620 105,649 SH   SOLE   105,649 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 4,947 27,881 SH   SOLE   27,881 0 0
INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU 46137V738 13,894 377,048 SH   SOLE   377,048 0 0
INVESCO EXCHNG TRADED FD TR FTSE RAFI SML 46138e735 2,931 98,198 SH   SOLE   98,198 0 0
INVESCO EXCHNG TRADED FD TR EMRNG MKT SVRG 46138e784 3,794 130,632 SH   SOLE   130,632 0 0
ISHARES INC CORE MSCI EMKT 46434g103 3,727 72,445 SH   SOLE   72,445 0 0
ISHARES TR CORE S&P500 ETF 464287200 4,605 15,623 SH   SOLE   15,623 0 0
ISHARES TR IBOXX INV CP ETF 464287242 4,840 38,915 SH   SOLE   38,915 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 542 3,025 SH   SOLE   3,025 0 0
ISHARES TR S&P 500 VAL ETF 464287408 475 4,075 SH   SOLE   4,075 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,829 9,416 SH   SOLE   9,416 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 303 2,381 SH   SOLE   2,381 0 0
ISHARES TR S&P MC 400GR ETF 464287606 238 1,052 SH   SOLE   1,052 0 0
ISHARES TR S&P MC 400VL ETF 464287705 230 1,440 SH   SOLE   1,440 0 0
ISHARES TR U.S. TECH ETF 464287721 2,220 11,220 SH   SOLE   11,220 0 0
ISHARES TR CORE S&P SCP ETF 464287804 6,746 86,176 SH   SOLE   86,176 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 4,611 43,271 SH   SOLE   43,271 0 0
ISHARES TR JPMORGAN USD EMG 464288281 221 1,955 SH   SOLE   1,955 0 0
ISHARES TR NEW YORK MUN ETF 464288323 295 5,200 SH   SOLE   5,200 0 0
ISHARES TR NATIONAL MUN ETF 464288414 6,381 56,422 SH   SOLE   56,422 0 0
ISHARES TR IBOXX HI YD ETF 464288513 291 3,341 SH   SOLE   3,341 0 0
ISHARES TR SH TR CRPORT ETF 464288646 247 4,619 SH   SOLE   4,619 0 0
ISHARES TR US HLTHCR PR ETF 464288828 1,644 9,593 SH   SOLE   9,593 0 0
ISHARES TR EAFE VALUE ETF 464288877 1,124 23,378 SH   SOLE   23,378 0 0
ISHARES TR CORE MSCI EAFE 46432f842 6,611 107,667 SH   SOLE   107,667 0 0
ISHARES TR CUR HD EURZN ETF 46434v639 387 12,581 SH   SOLE   12,581 0 0
ISHARES TR HDG MSCI EAFE 46434v803 881 29,539 SH   SOLE   29,539 0 0
JAZZ PHARMACEUTICALS PLC SHS USD g50871105 1,439 10,096 SH   SOLE   10,096 0 0
JOHNSON & JOHNSON COM 478160104 16,665 119,648 SH   SOLE   119,648 0 0
JPMORGAN CHASE & CO COM 46625h100 1,713 15,319 SH   SOLE   15,319 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540r409 1,822 10,537 SH   SOLE   10,537 0 0
LINCOLN ELEC HLDGS INC COM 533900106 1,330 16,160 SH   SOLE   16,160 0 0
LITTELFUSE INC COM 537008104 545 3,081 SH   SOLE   3,081 0 0
LOWES COS INC COM 548661107 3,568 35,361 SH   SOLE   35,361 0 0
MANNKIND CORP COM NEW 56400p706 16 13,560 SH   SOLE   13,560 0 0
MARATHON PETE CORP COM 56585a102 1,412 25,269 SH   SOLE   25,269 0 0
MASTERCARD INC CL A 57636q104 4,453 16,835 SH   SOLE   16,835 0 0
MCDONALDS CORP COM 580135101 279 1,343 SH   SOLE   1,343 0 0
MEDTRONIC PLC SHS g5960l103 1,784 18,320 SH   SOLE   18,320 0 0
MELINTA THERAPEUTICS INC COM NEW 58549G209 93 14,000 SH   SOLE   14,000 0 0
MERCK & CO INC COM 58933y105 388 4,630 SH   SOLE   4,630 0 0
MICROSOFT CORP COM 594918104 6,762 50,481 SH   SOLE   50,481 0 0
MYOS RENS TECHNOLOGY INC COM 62857P108 15 10,000 SH   SOLE   10,000 0 0
NIKE INC CL B 654106103 1,980 23,590 SH   SOLE   23,590 0 0
NORDSON CORP COM 655663102 924 6,541 SH   SOLE   6,541 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,461 7,327 SH   SOLE   7,327 0 0
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 854 15,930 SH   SOLE   15,930 0 0
ORACLE CORP COM 68389x105 265 4,649 SH   SOLE   4,649 0 0
PAYPAL HLDGS INC COM 70450y103 4,832 42,213 SH   SOLE   42,213 0 0
PEAPACK-GLADSTONE FINL CORP COM 704699107 1,017 36,158 SH   SOLE   36,158 0 0
PFIZER INC COM 717081103 4,081 94,217 SH   SOLE   94,217 0 0
PHILIP MORRIS INTL INC COM 718172109 1,496 19,055 SH   SOLE   19,055 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201r783 9,158 91,210 SH   SOLE   91,210 0 0
PROCTER AND GAMBLE CO COM 742718109 10,429 95,109 SH   SOLE   95,109 0 0
ROYAL CARIBBEAN CRUISES LTD COM V7780T103 1,386 11,433 SH   SOLE   11,433 0 0
SCHLUMBERGER LTD COM 806857108 2,372 59,693 SH   SOLE   59,693 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,432 77,394 SH   SOLE   77,394 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,294 51,608 SH   SOLE   51,608 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 4,028 71,756 SH   SOLE   71,756 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,671 46,792 SH   SOLE   46,792 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,408 19,702 SH   SOLE   19,702 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 205 7,814 SH   SOLE   7,814 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,946 185,306 SH   SOLE   185,306 0 0
SCOTTS MIRACLE GRO CO CL A 810186106 2,121 21,530 SH   SOLE   21,530 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369y100 1,948 33,307 SH   SOLE   33,307 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369y209 978 10,559 SH   SOLE   10,559 0 0
SELECT SECTOR SPDR TR ENERGY 81369y506 236 3,697 SH   SOLE   3,697 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369y605 3,317 120,168 SH   SOLE   120,168 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369y704 583 7,531 SH   SOLE   7,531 0 0
SHERWIN WILLIAMS CO COM 824348106 1,500 3,272 SH   SOLE   3,272 0 0
SNAP ON INC COM 833034101 1,421 8,581 SH   SOLE   8,581 0 0
SPDR GOLD TRUST GOLD SHS 78463v107 254 1,909 SH   SOLE   1,909 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463x871 1,437 47,993 SH   SOLE   47,993 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463x889 425 14,366 SH   SOLE   14,366 0 0
SPDR S&P 500 ETF TR TR UNIT 78462f103 25,548 87,194 SH   SOLE   87,194 0 0
SPDR SERIES TRUST PRTFLO S&P500 GW 78464a409 1,469 37,929 SH   SOLE   37,929 0 0
SPDR SERIES TRUST PORTFOLIO SHORT 78464A474 497 16,157 SH   SOLE   16,157 0 0
SPDR SERIES TRUST PRTFLO S&P500 VL 78464a508 1,256 40,159 SH   SOLE   40,159 0 0
SPDR SERIES TRUST S&P 400 MDCP GRW 78464a821 1,840 33,896 SH   SOLE   33,896 0 0
SPDR SERIES TRUST S&P 400 MDCP VAL 78464a839 1,617 31,474 SH   SOLE   31,474 0 0
SPDR SERIES TRUST PORTFOLIO MD ETF 78464a847 647 18,982 SH   SOLE   18,982 0 0
SPDR SERIES TRUST PORTFOLIO LR ETF 78464a854 2,036 58,935 SH   SOLE   58,935 0 0
SPDR SERIES TRUST S&P BIOTECH 78464a870 3,051 34,780 SH   SOLE   34,780 0 0
SPDR SERIES TRUST BLOOMBERG SRT TR 78468r408 339 12,445 SH   SOLE   12,445 0 0
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468r739 6,899 140,989 SH   SOLE   140,989 0 0
STARBUCKS CORP COM 855244109 215 2,568 SH   SOLE   2,568 0 0
TD AMERITRADE HLDG CORP COM 87236y108 1,688 33,818 SH   SOLE   33,818 0 0
TESLA INC COM 88160R101 270 1,207 SH   SOLE   1,207 0 0
THE CHARLES SCHWAB CORPORATI COM 808513105 1,763 43,867 SH   SOLE   43,867 0 0
TJX COS INC NEW COM 872540109 999 18,887 SH   SOLE   18,887 0 0
TOLL BROTHERS INC COM 889478103 1,949 53,228 SH   SOLE   53,228 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 356 6,100 SH   SOLE   6,100 0 0
UNION PACIFIC CORP COM 907818108 2,447 14,472 SH   SOLE   14,472 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,665 6,822 SH   SOLE   6,822 0 0
VALLEY NATL BANCORP COM 919794107 334 30,980 SH   SOLE   30,980 0 0
VANECK VECTORS ETF TR AMT FREE SHORT M 92189f528 4,537 256,391 SH   SOLE   256,391 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189H201 6,273 126,087 SH   SOLE   126,087 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,877 84,998 SH   SOLE   84,998 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 24,657 221,458 SH   SOLE   221,458 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 13,791 92,364 SH   SOLE   92,364 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,574 12,061 SH   SOLE   12,061 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 258 1,545 SH   SOLE   1,545 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 20,839 127,539 SH   SOLE   127,539 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,014 162,407 SH   SOLE   162,407 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,107 58,133 SH   SOLE   58,133 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 290 1,934 SH   SOLE   1,934 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,645 15,628 SH   SOLE   15,628 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 512 6,810 SH   SOLE   6,810 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 294 5,775 SH   SOLE   5,775 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206c102 731 12,000 SH   SOLE   12,000 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206c409 19,985 247,704 SH   SOLE   247,704 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206c714 24,440 218,993 SH   SOLE   218,993 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 490 5,613 SH   SOLE   5,613 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204a108 807 4,500 SH   SOLE   4,500 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204a207 3,010 20,231 SH   SOLE   20,231 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,286 18,640 SH   SOLE   18,640 0 0
VANGUARD WORLD FDS INF TECH ETF 92204a702 808 3,830 SH   SOLE   3,830 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,246 9,718 SH   SOLE   9,718 0 0
VERIZON COMMUNICATIONS INC COM 92343v104 424 7,420 SH   SOLE   7,420 0 0
VISA INC COM CL A 92826c839 4,606 26,538 SH   SOLE   26,538 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 4,862 88,925 SH   SOLE   88,925 0 0
WHIRLPOOL CORP COM 963320106 389 2,732 SH   SOLE   2,732 0 0
WISDOMTREE TR INTL SMCAP DIV 97717w760 752 11,565 SH   SOLE   11,565 0 0
WISDOMTREE TR INTL MIDCAP DV 97717w778 779 12,580 SH   SOLE   12,580 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717w851 3,185 65,407 SH   SOLE   65,407 0 0
WISDOMTREE TR ITL HDG QTLY DIV 97717x594 679 20,763 SH   SOLE   20,763 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717x701 10,989 166,075 SH   SOLE   166,075 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 1,259 22,583 SH   SOLE   22,583 0 0
ZEBRA TECHNOLOGIES CORP CL A 989207105 1,549 7,394 SH   SOLE   7,394 0 0