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 304 1,847 SH   SOLE   1,847 0 0
ABBOTT LABS COM 002824100 344 4,117 SH   SOLE   4,117 0 0
ABBVIE INC COM 00287Y109 316 4,172 SH   SOLE   4,172 0 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 1,217 290,435 SH   SOLE   290,435 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 336 1,749 SH   SOLE   1,749 0 0
AIR PRODS & CHEMS INC COM 009158106 234 1,055 SH   SOLE   1,055 0 0
ALPHABET INC CAP STK CL A 02079K305 2,016 1,651 SH   SOLE   1,651 0 0
ALPHABET INC CAP STK CL C 02079K107 1,843 1,512 SH   SOLE   1,512 0 0
AMAZON COM INC COM 023135106 314 181 SH   SOLE   181 0 0
AMGEN INC COM 031162100 202 1,045 SH   SOLE   1,045 0 0
APPLE INC COM 037833100 1,588 7,092 SH   SOLE   7,092 0 0
AT&T INC COM 00206R102 224 5,931 SH   SOLE   5,931 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 213 1,320 SH   SOLE   1,320 0 0
BANK AMER CORP COM 060505104 386 13,236 SH   SOLE   13,236 0 0
BECTON DICKINSON & CO COM 075887109 345 1,364 SH   SOLE   1,364 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,040 4,998 SH   SOLE   4,998 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,573 178,072 SH   SOLE   178,072 0 0
BOEING CO COM 097023105 1,099 2,890 SH   SOLE   2,890 0 0
CABLE ONE INC COM 12685J105 546 435 SH   SOLE   435 0 0
CHEVRON CORP NEW COM 166764100 574 4,844 SH   SOLE   4,844 0 0
CIGNA CORP NEW COM 125523100 223 1,471 SH   SOLE   1,471 0 0
CISCO SYS INC COM 17275R102 376 7,602 SH   SOLE   7,602 0 0
CONOCOPHILLIPS COM 20825C104 233 4,095 SH   SOLE   4,095 0 0
COSTCO WHSL CORP NEW COM 22160K105 360 1,248 SH   SOLE   1,248 0 0
DISNEY WALT CO COM DISNEY 254687106 505 3,872 SH   SOLE   3,872 0 0
EXXON MOBIL CORP COM 30231G102 726 10,276 SH   SOLE   10,276 0 0
FLAHERTY & CRUMRIN PFD & INM COM 338478100 1,649 78,715 SH   SOLE   78,715 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,105 30,000 SH   SOLE   30,000 0 0
GRAHAM HLDGS CO COM 384637104 289 435 SH   SOLE   435 0 0
HOME DEPOT INC COM 437076102 632 2,723 SH   SOLE   2,723 0 0
HONEYWELL INTL INC COM 438516106 365 2,157 SH   SOLE   2,157 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 368 2,531 SH   SOLE   2,531 0 0
INTUIT COM 461202103 211 795 SH   SOLE   795 0 0
ISHARES INC MSCI AUST ETF 464286103 419 18,844 SH   SOLE   18,844 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 530 12,574 SH   SOLE   12,574 0 0
ISHARES INC MSCI CDA ETF 464286509 1,351 46,735 SH   SOLE   46,735 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 800 30,041 SH   SOLE   30,041 0 0
ISHARES INC MSCI PAC JP ETF 464286665 511 11,433 SH   SOLE   11,433 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,591 95,747 SH   SOLE   95,747 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,802 21,248 SH   SOLE   21,248 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,093 7,642 SH   SOLE   7,642 0 0
ISHARES TR 3YRTB ETF 464288125 1,051 13,531 SH   SOLE   13,531 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,167 19,270 SH   SOLE   19,270 0 0
ISHARES TR COHEN STEER REIT 464287564 2,036 16,962 SH   SOLE   16,962 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,826 9,448 SH   SOLE   9,448 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,830 36,358 SH   SOLE   36,358 0 0
ISHARES TR CORE S&P US GWT 464287671 898 14,283 SH   SOLE   14,283 0 0
ISHARES TR CORE S&P US VLU 464287663 43,215 248,690 SH   SOLE   248,690 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,533 31,934 SH   SOLE   31,934 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,701 59,210 SH   SOLE   59,210 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,143 19,976 SH   SOLE   19,976 0 0
ISHARES TR EAFE VALUE ETF 464288877 334 7,054 SH   SOLE   7,054 0 0
ISHARES TR EUROPE ETF 464287861 2,434 56,248 SH   SOLE   56,248 0 0
ISHARES TR EXPND TEC SC ETF 464287549 658 3,030 SH   SOLE   3,030 0 0
ISHARES TR GBL COMM SVC ETF 464287275 305 5,324 SH   SOLE   5,324 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,077 17,626 SH   SOLE   17,626 0 0
ISHARES TR GLOB UTILITS ETF 464288711 254 4,359 SH   SOLE   4,359 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 3,202 104,771 SH   SOLE   104,771 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 393 6,128 SH   SOLE   6,128 0 0
ISHARES TR INTL DEV RE ETF 464288489 1,881 63,381 SH   SOLE   63,381 0 0
ISHARES TR INTL TREA BD ETF 464288117 5,117 101,391 SH   SOLE   101,391 0 0
ISHARES TR JPX NIKKEI 400 464287382 536 8,773 SH   SOLE   8,773 0 0
ISHARES TR MICRO-CAP ETF 464288869 347 3,942 SH   SOLE   3,942 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,645 55,895 SH   SOLE   55,895 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,224 29,946 SH   SOLE   29,946 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,039 10,447 SH   SOLE   10,447 0 0
ISHARES TR NORTH AMERN NAT 464287374 7,934 272,832 SH   SOLE   272,832 0 0
ISHARES TR RUS 1000 ETF 464287622 3,768 23,060 SH   SOLE   23,060 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,004 6,633 SH   SOLE   6,633 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,675 14,857 SH   SOLE   14,857 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,281 10,750 SH   SOLE   10,750 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,221 5,455 SH   SOLE   5,455 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,815 11,348 SH   SOLE   11,348 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,388 7,781 SH   SOLE   7,781 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 420 3,939 SH   SOLE   3,939 0 0
ISHARES TR SP SMCP600VL ETF 464287879 4,373 29,113 SH   SOLE   29,113 0 0
ISHARES TR TIPS BD ETF 464287176 8,990 77,305 SH   SOLE   77,305 0 0
ISHARES TR U.S. CNSM GD ETF 464287812 463 3,660 SH   SOLE   3,660 0 0
ISHARES TR U.S. ENERGY ETF 464287796 422 13,300 SH   SOLE   13,300 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 1,402 10,279 SH   SOLE   10,279 0 0
ISHARES TR U.S. PHARMA ETF 464288836 501 3,583 SH   SOLE   3,583 0 0
ISHARES TR U.S. UTILITS ETF 464287697 2,055 12,619 SH   SOLE   12,619 0 0
ISHARES TR US HOME CONS ETF 464288752 599 13,839 SH   SOLE   13,839 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 367 20,846 SH   SOLE   20,846 0 0
ISHARES TR US REGNL BKS ETF 464288778 348 7,479 SH   SOLE   7,479 0 0
ISHARES TR US TELECOM ETF 464287713 705 24,127 SH   SOLE   24,127 0 0
JOHNSON & JOHNSON COM 478160104 709 5,481 SH   SOLE   5,481 0 0
JPMORGAN CHASE & CO COM 46625H100 761 6,470 SH   SOLE   6,470 0 0
LAM RESEARCH CORP COM 512807108 278 1,201 SH   SOLE   1,201 0 0
LOWES COS INC COM 548661107 206 1,869 SH   SOLE   1,869 0 0
MARRIOTT INTL INC NEW CL A 571903202 325 2,615 SH   SOLE   2,615 0 0
MARTIN MARIETTA MATLS INC COM 573284106 224 817 SH   SOLE   817 0 0
MERCK & CO INC COM 58933Y105 1,192 14,160 SH   SOLE   14,160 0 0
MICROSOFT CORP COM 594918104 525 3,779 SH   SOLE   3,779 0 0
MIDDLESEX WATER CO COM 596680108 455 7,000 SH   SOLE   7,000 0 0
NEOGEN CORP COM 640491106 299 4,396 SH   SOLE   4,396 0 0
NORTHROP GRUMMAN CORP COM 666807102 239 638 SH   SOLE   638 0 0
NVIDIA CORP COM 67066G104 328 1,885 SH   SOLE   1,885 0 0
PEPSICO INC COM 713448108 451 3,289 SH   SOLE   3,289 0 0
PNC FINL SVCS GROUP INC COM 693475105 269 1,921 SH   SOLE   1,921 0 0
PROCTER & GAMBLE CO COM 742718109 329 2,646 SH   SOLE   2,646 0 0
RAYTHEON CO COM NEW 755111507 264 1,346 SH   SOLE   1,346 0 0
ROYCE MICRO-CAP TR INC COM 780915104 2,111 262,553 SH   SOLE   262,553 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 272 8,542 SH   SOLE   8,542 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,792 110,412 SH   SOLE   110,412 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 325 5,484 SH   SOLE   5,484 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 650 5,388 SH   SOLE   5,388 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 425 6,914 SH   SOLE   6,914 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 467 5,186 SH   SOLE   5,186 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 338 12,060 SH   SOLE   12,060 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 312 4,020 SH   SOLE   4,020 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 370 4,592 SH   SOLE   4,592 0 0
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 4,289 78,397 SH   SOLE   78,397 0 0
SPDR SERIES TRUST S&P METALS MNG 78464A755 800 31,420 SH   SOLE   31,420 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,139 104,387 SH   SOLE   104,387 0 0
STARBUCKS CORP COM 855244109 238 2,691 SH   SOLE   2,691 0 0
SYSCO CORP COM 871829107 212 2,675 SH   SOLE   2,675 0 0
TEMPLETON EMERGING MKTS FD I COM 880191101 1,646 112,298 SH   SOLE   112,298 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106 2,237 364,256 SH   SOLE   364,256 0 0
UNION PACIFIC CORP COM 907818108 647 3,995 SH   SOLE   3,995 0 0
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 6,100 241,688 SH   SOLE   241,688 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 3,925 34,142 SH   SOLE   34,142 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 20,490 242,683 SH   SOLE   242,683 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 566 3,378 SH   SOLE   3,378 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,489 48,139 SH   SOLE   48,139 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 353 2,739 SH   SOLE   2,739 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 317 2,061 SH   SOLE   2,061 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 630 3,458 SH   SOLE   3,458 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,853 70,866 SH   SOLE   70,866 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 242 4,522 SH   SOLE   4,522 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,925 28,695 SH   SOLE   28,695 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 697 9,321 SH   SOLE   9,321 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 3,879 28,695 SH   SOLE   28,695 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,215 516,420 SH   SOLE   516,420 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,617 20,729 SH   SOLE   20,729 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 213 3,534 SH   SOLE   3,534 0 0
VISA INC COM CL A 92826C839 201 1,169 SH   SOLE   1,169 0 0
VORNADO RLTY TR SH BEN INT 929042109 506 7,949 SH   SOLE   7,949 0 0
WELLS FARGO CO NEW COM 949746101 519 10,283 SH   SOLE   10,283 0 0
YUM BRANDS INC COM 988498101 275 2,420 SH   SOLE   2,420 0 0