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 383 1,844 SH   SOLE   1,844 0 0
ABBOTT LABS COM 002824100 344 4,305 SH   SOLE   4,305 0 0
ABBVIE INC COM 00287Y109 336 4,164 SH   SOLE   4,164 0 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 1,223 289,008 SH   SOLE   289,008 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 307 1,747 SH   SOLE   1,747 0 0
AIR PRODS & CHEMS INC COM 009158106 201 1,055 SH   SOLE   1,055 0 0
ALPHABET INC CAP STK CL C 02079K107 1,774 1,512 SH   SOLE   1,512 0 0
ALPHABET INC CALL 02079K907 1,943 1,651 SH   SOLE   1,651 0 0
AMAZON COM INC COM 023135106 305 171 SH   SOLE   171 0 0
APPLE INC COM 037833100 1,401 7,374 SH   SOLE   7,374 0 0
AT&T INC COM 00206R102 211 6,728 SH   SOLE   6,728 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 241 1,511 SH   SOLE   1,511 0 0
BANK AMER CORP COM 060505104 363 13,175 SH   SOLE   13,175 0 0
BECTON DICKINSON & CO COM 075887109 368 1,472 SH   SOLE   1,472 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,004 4,998 SH   SOLE   4,998 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,500 185,880 SH   SOLE   185,880 0 0
BOEING CO COM 097023105 1,102 2,888 SH   SOLE   2,888 0 0
CABLE ONE INC COM 12685J105 427 435 SH   SOLE   435 0 0
CHEVRON CORP NEW COM 166764100 621 5,045 SH   SOLE   5,045 0 0
CIGNA CORP NEW COM 125523100 243 1,512 SH   SOLE   1,512 0 0
CISCO SYS INC COM 17275R102 414 7,668 SH   SOLE   7,668 0 0
CONOCOPHILLIPS COM 20825C104 288 4,318 SH   SOLE   4,318 0 0
COSTCO WHSL CORP NEW COM 22160K105 301 1,245 SH   SOLE   1,245 0 0
DISNEY WALT CO COM DISNEY 254687106 429 3,861 SH   SOLE   3,861 0 0
EXXON MOBIL CORP COM 30231G102 960 11,884 SH   SOLE   11,884 0 0
FLAHERTY&CRMN PFD SEC INCOM COM 338478100 1,706 90,201 SH   SOLE   90,201 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,186 30,000 SH   SOLE   30,000 0 0
GRAHAM HLDGS CO COM 384637104 297 435 SH   SOLE   435 0 0
HOME DEPOT INC COM 437076102 535 2,787 SH   SOLE   2,787 0 0
HONEYWELL INTL INC COM 438516106 342 2,155 SH   SOLE   2,155 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 357 2,528 SH   SOLE   2,528 0 0
INTUIT COM 461202103 211 807 SH   SOLE   807 0 0
ISHARES INC MSCI AUST ETF 464286103 384 17,865 SH   SOLE   17,865 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 491 11,979 SH   SOLE   11,979 0 0
ISHARES INC MSCI CDA ETF 464286509 1,203 43,540 SH   SOLE   43,540 0 0
ISHARES INC MSCI PAC JP ETF 464286665 429 9,343 SH   SOLE   9,343 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 759 24,433 SH   SOLE   24,433 0 0
ISHARES TR TIPS BD ETF 464287176 8,998 79,578 SH   SOLE   79,578 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,162 32,198 SH   SOLE   32,198 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,689 61,330 SH   SOLE   61,330 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,307 30,456 SH   SOLE   30,456 0 0
ISHARES TR GBL COMM SVC ETF 464287275 298 5,293 SH   SOLE   5,293 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,592 15,038 SH   SOLE   15,038 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 820 13,417 SH   SOLE   13,417 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 401 6,523 SH   SOLE   6,523 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 3,646 108,175 SH   SOLE   108,175 0 0
ISHARES TR NORTH AMERN NAT 464287374 8,742 278,588 SH   SOLE   278,588 0 0
ISHARES TR JPX NIKKEI 400 464287382 428 7,258 SH   SOLE   7,258 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,207 10,704 SH   SOLE   10,704 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,094 8,651 SH   SOLE   8,651 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,119 19,862 SH   SOLE   19,862 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,651 19,630 SH   SOLE   19,630 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,693 56,937 SH   SOLE   56,937 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,791 9,458 SH   SOLE   9,458 0 0
ISHARES TR EXPND TEC SC ETF 464287549 624 3,027 SH   SOLE   3,027 0 0
ISHARES TR NASDAQ BIOTECH 464287556 850 7,600 SH   SOLE   7,600 0 0
ISHARES TR COHEN STEER REIT 464287564 2,235 20,096 SH   SOLE   20,096 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,486 6,782 SH   SOLE   6,782 0 0
ISHARES TR RUS 1000 ETF 464287622 3,586 23,002 SH   SOLE   23,002 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 804 5,251 SH   SOLE   5,251 0 0
ISHARES TR CORE S&P US VLU 464287663 42,399 254,344 SH   SOLE   254,344 0 0
ISHARES TR CORE S&P US GWT 464287671 861 14,270 SH   SOLE   14,270 0 0
ISHARES TR U.S. UTILITS ETF 464287697 1,946 13,209 SH   SOLE   13,209 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,634 10,410 SH   SOLE   10,410 0 0
ISHARES TR US TELECOM ETF 464287713 799 26,872 SH   SOLE   26,872 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 1,232 9,868 SH   SOLE   9,868 0 0
ISHARES TR U.S. ENERGY ETF 464287796 460 12,763 SH   SOLE   12,763 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,913 24,796 SH   SOLE   24,796 0 0
ISHARES TR U.S. CNSM GD ETF 464287812 551 4,614 SH   SOLE   4,614 0 0
ISHARES TR EUROPE ETF 464287861 2,467 56,867 SH   SOLE   56,867 0 0
ISHARES TR SP SMCP600VL ETF 464287879 4,276 28,981 SH   SOLE   28,981 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,352 7,575 SH   SOLE   7,575 0 0
ISHARES TR INTL TREA BD ETF 464288117 4,706 95,956 SH   SOLE   95,956 0 0
ISHARES TR 3YRTB ETF 464288125 880 11,153 SH   SOLE   11,153 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 420 3,965 SH   SOLE   3,965 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,092 19,004 SH   SOLE   19,004 0 0
ISHARES TR INTL DEV RE ETF 464288489 2,013 66,226 SH   SOLE   66,226 0 0
ISHARES TR GLOB UTILITS ETF 464288711 232 4,298 SH   SOLE   4,298 0 0
ISHARES TR US HOME CONS ETF 464288752 579 16,431 SH   SOLE   16,431 0 0
ISHARES TR US REGNL BKS ETF 464288778 317 7,303 SH   SOLE   7,303 0 0
ISHARES TR U.S. PHARMA ETF 464288836 365 2,373 SH   SOLE   2,373 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 554 21,938 SH   SOLE   21,938 0 0
ISHARES TR EAFE VALUE ETF 464288877 341 6,975 SH   SOLE   6,975 0 0
ISHARES TR IBONDS SEP19 ETF 46429B564 299 11,757 SH   SOLE   11,757 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,802 98,336 SH   SOLE   98,336 0 0
JOHNSON & JOHNSON COM 478160104 764 5,469 SH   SOLE   5,469 0 0
JPMORGAN CHASE & CO COM 46625H100 446 4,410 SH   SOLE   4,410 0 0
LAM RESEARCH CORP COM 512807108 213 1,187 SH   SOLE   1,187 0 0
LOWES COS INC COM 548661107 243 2,222 SH   SOLE   2,222 0 0
MARRIOTT INTL INC NEW CL A 571903202 327 2,611 SH   SOLE   2,611 0 0
MERCK & CO INC COM 58933Y105 1,176 14,145 SH   SOLE   14,145 0 0
MICROSOFT CORP COM 594918104 445 3,776 SH   SOLE   3,776 0 0
MIDDLESEX WATER CO COM 596680108 392 7,000 SH   SOLE   7,000 0 0
NEOGEN CORP COM 640491106 274 4,768 SH   SOLE   4,768 0 0
NORFOLK SOUTHERN CORP COM 655844108 218 1,167 SH   SOLE   1,167 0 0
NVIDIA CORP COM 67066G104 338 1,882 SH   SOLE   1,882 0 0
PEPSICO INC COM 713448108 413 3,367 SH   SOLE   3,367 0 0
PFIZER INC COM 717081103 233 5,476 SH   SOLE   5,476 0 0
PNC FINL SVCS GROUP INC COM 693475105 235 1,912 SH   SOLE   1,912 0 0
PROCTER AND GAMBLE CO COM 742718109 287 2,762 SH   SOLE   2,762 0 0
RAYTHEON CO COM NEW 755111507 245 1,345 SH   SOLE   1,345 0 0
ROYCE MICRO-CAP TR INC COM 780915104 1,929 231,583 SH   SOLE   231,583 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,465 108,661 SH   SOLE   108,661 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 261 8,342 SH   SOLE   8,342 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 472 5,142 SH   SOLE   5,142 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 410 7,309 SH   SOLE   7,309 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 612 5,374 SH   SOLE   5,374 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 370 5,596 SH   SOLE   5,596 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 393 15,305 SH   SOLE   15,305 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 346 4,606 SH   SOLE   4,606 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 338 4,565 SH   SOLE   4,565 0 0
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 4,226 78,144 SH   SOLE   78,144 0 0
SPDR SERIES TRUST S&P METALS MNG 78464A755 685 23,066 SH   SOLE   23,066 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 4,707 97,351 SH   SOLE   97,351 0 0
STARBUCKS CORP COM 855244109 211 2,835 SH   SOLE   2,835 0 0
TEMPLETON EMERGING MKTS FD I COM 880191101 1,561 104,889 SH   SOLE   104,889 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106 2,136 339,053 SH   SOLE   339,053 0 0
UNION PACIFIC CORP COM 907818108 663 3,966 SH   SOLE   3,966 0 0
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 5,979 237,543 SH   SOLE   237,543 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 3,882 35,709 SH   SOLE   35,709 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 19,992 246,265 SH   SOLE   246,265 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,350 50,050 SH   SOLE   50,050 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 591 3,289 SH   SOLE   3,289 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 203 1,579 SH   SOLE   1,579 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 540 3,358 SH   SOLE   3,358 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 270 1,766 SH   SOLE   1,766 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,008 28,889 SH   SOLE   28,889 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 676 9,234 SH   SOLE   9,234 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,933 69,023 SH   SOLE   69,023 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 237 4,418 SH   SOLE   4,418 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 3,648 28,182 SH   SOLE   28,182 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 20,767 508,112 SH   SOLE   508,112 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,829 20,460 SH   SOLE   20,460 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 221 3,742 SH   SOLE   3,742 0 0
VORNADO RLTY TR SH BEN INT 929042109 535 7,932 SH   SOLE   7,932 0 0
WELLS FARGO CO NEW COM 949746101 540 11,182 SH   SOLE   11,182 0 0
XILINX INC COM 983919101 213 1,683 SH   SOLE   1,683 0 0
YUM BRANDS INC COM 988498101 241 2,420 SH   SOLE   2,420 0 0