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 539 2,288 SH   SOLE 2,288 0 0
ABBOTT LABS COM 002824100 250 4,388 SH   SOLE 4,388 0 0
ABBVIE INC COM 00287Y109 451 4,665 SH   SOLE 4,665 0 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 1,257 257,567 SH   SOLE 257,567 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 287 1,877 SH   SOLE 1,877 0 0
AETNA INC NEW COM 00817Y108 306 1,696 SH   SOLE 1,696 0 0
AMAZON COM INC COM 023135106 212 181 SH   SOLE 181 0 0
APPLE INC COM 037833100 1,450 8,567 SH   SOLE 8,567 0 0
AT&T INC COM 00206R102 313 8,058 SH   SOLE 8,058 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 213 1,820 SH   SOLE 1,820 0 0
BANK AMER CORP COM 060505104 482 16,321 SH   SOLE 16,321 0 0
BECTON DICKINSON & CO COM 075887109 267 1,246 SH   SOLE 1,246 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 938 4,730 SH   SOLE 4,730 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 1,923 136,938 SH   SOLE 136,938 0 0
BOEING CO COM 097023105 619 2,100 SH   SOLE 2,100 0 0
CABLE ONE INC COM 12685J105 306 435 SH   SOLE 435 0 0
CHEVRON CORP NEW COM 166764100 898 7,174 SH   SOLE 7,174 0 0
CISCO SYS INC COM 17275R102 377 9,835 SH   SOLE 9,835 0 0
CONOCOPHILLIPS COM 20825C104 240 4,371 SH   SOLE 4,371 0 0
COSTCO WHSL CORP NEW COM 22160k105 236 1,267 SH   SOLE 1,267 0 0
DISNEY WALT CO COM DISNEY 254687106 402 3,743 SH   SOLE 3,743 0 0
DOWDUPONT INC COM 26078J100 392 5,510 SH   SOLE 5,510 0 0
EXXON MOBIL CORP COM 30231G102 1,300 15,548 SH   SOLE 15,548 0 0
FLAHERTY&CRMN PFD SEC INCOM COM 338478100 1,478 72,234 SH   SOLE 72,234 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 499 15,000 SH   SOLE 15,000 0 0
GENERAL ELECTRIC CO COM 369604103 347 19,900 SH   SOLE 19,900 0 0
GRAHAM HLDGS CO COM 384637104 243 435 SH   SOLE 435 0 0
HOME DEPOT INC COM 437076102 549 2,896 SH   SOLE 2,896 0 0
HONEYWELL INTL INC COM 438516106 328 2,138 SH   SOLE 2,138 0 0
INTEL CORP COM 458140100 203 4,397 SH   SOLE 4,397 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 455 2,965 SH   SOLE 2,965 0 0
ISHARES INC MSCI AUST ETF 464286103 251 10,822 SH   SOLE 10,822 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 289 7,140 SH   SOLE 7,140 0 0
ISHARES INC MSCI CDA ETF 464286509 1,014 34,208 SH   SOLE 34,208 0 0
ISHARES INC MSCI PAC JP ETF 464286665 409 8,562 SH   SOLE 8,562 0 0
ISHARES TR TIPS BD ETF 464287176 9,219 80,812 SH   SOLE 80,812 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,380 34,889 SH   SOLE 34,889 0 0
ISHARES TR CORE US AGGBD ET 464287226 7,253 66,339 SH   SOLE 66,339 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,548 32,843 SH   SOLE 32,843 0 0
ISHARES TR GLOB TELECOM ETF 464287275 439 7,251 SH   SOLE 7,251 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,392 15,656 SH   SOLE 15,656 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 807 7,171 SH   SOLE 7,171 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 3,495 98,321 SH   SOLE 98,321 0 0
ISHARES TR NORTH AMERN NAT 464287374 8,979 253,367 SH   SOLE 253,367 0 0
ISHARES TR JPX NIKKEI 400 464287382 539 8,294 SH   SOLE 8,294 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,063 9,303 SH   SOLE 9,303 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,161 10,999 SH   SOLE 10,999 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,264 15,072 SH   SOLE 15,072 0 0
ISHARES TR MSCI EAFE ETF 464287465 4,412 62,758 SH   SOLE 62,758 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,832 9,653 SH   SOLE 9,653 0 0
ISHARES TR N AMER TECH ETF 464287549 507 3,006 SH   SOLE 3,006 0 0
ISHARES TR NASDAQ BIOTECH 464287556 857 8,025 SH   SOLE 8,025 0 0
ISHARES TR COHEN STEER REIT 464287564 2,164 21,357 SH   SOLE 21,357 0 0
ISHARES TR S&P MC 400GR ETF 464287606 871 4,034 SH   SOLE 4,034 0 0
ISHARES TR RUS 1000 ETF 464287622 2,798 18,830 SH   SOLE 18,830 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 774 5,079 SH   SOLE 5,079 0 0
ISHARES TR CORE S&P US VLU 464287663 41,368 261,542 SH   SOLE 261,542 0 0
ISHARES TR CORE S&P US GWT 464287671 784 14,575 SH   SOLE 14,575 0 0
ISHARES TR U.S. UTILITS ETF 464287697 1,127 8,483 SH   SOLE 8,483 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,508 9,417 SH   SOLE 9,417 0 0
ISHARES TR US TELECOM ETF 464287713 317 10,781 SH   SOLE 10,781 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 1,350 10,346 SH   SOLE 10,346 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,107 27,426 SH   SOLE 27,426 0 0
ISHARES TR EUROPE ETF 464287861 2,570 54,377 SH   SOLE 54,377 0 0
ISHARES TR SP SMCP600VL ETF 464287879 3,940 25,656 SH   SOLE 25,656 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,254 7,371 SH   SOLE 7,371 0 0
ISHARES TR INTL TREA BD ETF 464288117 4,505 90,250 SH   SOLE 90,250 0 0
ISHARES TR 3YRTB ETF 464288125 331 3,926 SH   SOLE 3,926 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 486 4,632 SH   SOLE 4,632 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,241 19,239 SH   SOLE 19,239 0 0
ISHARES TR GLB INFRASTR ETF 464288372 226 5,000 SH   SOLE 5,000 0 0
ISHARES TR U.S. PHARMA ETF 464288836 271 1,757 SH   SOLE 1,757 0 0
ISHARES TR EAFE VALUE ETF 464288877 527 9,542 SH   SOLE 9,542 0 0
ISHARES TR IBONDS SEP19 ETF 46429B564 294 11,613 SH   SOLE 11,613 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 8,931 89,429 SH   SOLE 89,429 0 0
JOHNSON & JOHNSON COM 478160104 829 5,935 SH   SOLE 5,935 0 0
JPMORGAN CHASE & CO COM 46625H100 426 3,987 SH   SOLE 3,987 0 0
LAM RESEARCH CORP COM 512807108 222 1,207 SH   SOLE 1,207 0 0
LOWES COS INC COM 548661107 212 2,277 SH   SOLE 2,277 0 0
MARRIOTT INTL INC NEW CL A 571903202 368 2,714 SH   SOLE 2,714 0 0
MCKESSON CORP COM 58155Q103 300 1,922 SH   SOLE 1,922 0 0
MERCK & CO INC COM 58933Y105 810 14,388 SH   SOLE 14,388 0 0
MICROSOFT CORP COM 594918104 456 5,334 SH   SOLE 5,334 0 0
MIDDLESEX WATER CO COM 596680108 279 7,000 SH   SOLE 7,000 0 0
NEOGEN CORP COM 640491106 360 4,373 SH   SOLE 4,373 0 0
NORTHROP GRUMMAN CORP COM 666807102 223 727 SH   SOLE 727 0 0
NVIDIA CORP COM 67066G104 381 1,970 SH   SOLE 1,970 0 0
ORACLE CORP COM 68389X105 210 4,448 SH   SOLE 4,448 0 0
PEPSICO INC COM 713448108 463 3,862 SH   SOLE 3,862 0 0
PFIZER INC COM 717081103 322 8,902 SH   SOLE 8,902 0 0
PNC FINL SVCS GROUP INC COM 693475105 258 1,790 SH   SOLE 1,790 0 0
PRICE T ROWE GROUP INC COM 74144T108 278 2,646 SH   SOLE 2,646 0 0
PROCTER AND GAMBLE CO COM 742718109 417 4,540 SH   SOLE 4,540 0 0
RAYTHEON CO COM NEW 755111507 281 1,498 SH   SOLE 1,498 0 0
ROYCE MICRO-CAP TR INC COM 780915104 1,863 197,380 SH   SOLE 197,380 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 3,361 52,097 SH   SOLE 52,097 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,714 24,576 SH   SOLE 24,576 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 223 3,683 SH   SOLE 3,683 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 417 5,044 SH   SOLE 5,044 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 344 6,043 SH   SOLE 6,043 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 672 6,814 SH   SOLE 6,814 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 360 4,978 SH   SOLE 4,978 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 434 15,539 SH   SOLE 15,539 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 358 4,728 SH   SOLE 4,728 0 0
SPDR SERIES TRUST CITI INT GVT ETF 78464A490 4,590 79,806 SH   SOLE 79,806 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 201 3,423 SH   SOLE 3,423 0 0
SPDR SERIES TRUST S&P METALS MNG 78464A755 1,048 28,822 SH   SOLE 28,822 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 3,407 70,052 SH   SOLE 70,052 0 0
TEMPLETON EMERGING MKTS FD I COM 880191101 1,373 83,675 SH   SOLE 83,675 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106 1,787 276,651 SH   SOLE 276,651 0 0
UNION PAC CORP COM 907818108 578 4,309 SH   SOLE 4,309 0 0
UNITEDHEALTH GROUP INC COM 91324P102 205 932 SH   SOLE 932 0 0
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 5,969 236,217 SH   SOLE 236,217 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 4,037 36,708 SH   SOLE 36,708 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 16,619 203,742 SH   SOLE 203,742 0 0
VANGUARD INDEX FDS REIT ETF 922908553 4,116 49,600 SH   SOLE 49,600 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 571 3,553 SH   SOLE 3,553 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 350 2,636 SH   SOLE 2,636 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 449 2,903 SH   SOLE 2,903 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,348 28,082 SH   SOLE 28,082 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 638 8,591 SH   SOLE 8,591 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,422 52,755 SH   SOLE 52,755 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 2,940 23,940 SH   SOLE 23,940 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 22,384 498,984 SH   SOLE 498,984 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,291 23,156 SH   SOLE 23,156 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 316 5,963 SH   SOLE 5,963 0 0
WELLS FARGO CO NEW COM 949746101 680 11,208 SH   SOLE 11,208 0 0
YUM BRANDS INC COM 988498101 205 2,509 SH   SOLE 2,509 0 0