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 465 2,639 SH   SOLE   2,639 0 0
ALPHABET INC CAP STK CL A 02079K305 211 263 SH   SOLE   263 0 0
ALTRIA GROUP INC COM 02209S103 533 8,434 SH   SOLE   8,434 0 0
APPLE INC COM 037833100 626 5,536 SH   SOLE   5,536 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 245 7,462 SH   SOLE   7,462 0 0
AT&T INC COM 00206R102 529 13,016 SH   SOLE   13,016 0 0
BCE INC COM NEW 05534B760 424 9,176 SH   SOLE   9,176 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 216 1 SH   SOLE   1 0 0
BOEING CO COM 097023105 337 2,555 SH   SOLE   2,555 0 0
BUCKEYE PARTNERS L P UNIT LTD PARTN 118230101 3,232 45,134 SH   SOLE   45,134 0 0
CHEVRON CORP NEW COM 166764100 392 3,808 SH   SOLE   3,808 0 0
CHUBB LIMITED COM H1467J104 440 3,500 SH   SOLE   3,500 0 0
CISCO SYS INC COM 17275R102 506 15,955 SH   SOLE   15,955 0 0
CONOCOPHILLIPS COM 20825C104 298 6,863 SH   SOLE   6,863 0 0
CORNING INC COM 219350105 331 13,980 SH   SOLE   13,980 0 0
DENTSPLY SIRONA INC COM 24906P109 659 11,088 SH   SOLE   11,088 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 326 2,812 SH   SOLE   2,812 0 0
DISNEY WALT CO COM DISNEY 254687106 317 3,415 SH   SOLE   3,415 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 391 5,839 SH   SOLE   5,839 0 0
EXXON MOBIL CORP COM 30231G102 384 4,397 SH   SOLE   4,397 0 0
GENERAL ELECTRIC CO COM 369604103 663 22,376 SH   SOLE   22,376 0 0
GENUINE PARTS CO COM 372460105 349 3,473 SH   SOLE   3,473 0 0
GILEAD SCIENCES INC COM 375558103 1,305 16,499 SH   SOLE   16,499 0 0
HCP INC COM 40414L109 380 10,002 SH   SOLE   10,002 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 238 6,323 SH   SOLE   6,323 0 0
INTEL CORP COM 458140100 659 17,470 SH   SOLE   17,470 0 0
INVESTORS BANCORP INC NEW COM 46146L101 5,513 459,038 SH   SOLE   459,038 0 0
ISHARES GOLD TRUST ISHARES 464285105 377 29,675 SH   SOLE   29,675 0 0
ISHARES TR CORE S&P500 ETF 464287200 267 1,227 SH   SOLE   1,227 0 0
ISHARES TR CORE US AGGBD ET 464287226 492 4,377 SH   SOLE   4,377 0 0
ISHARES TR IBOXX INV CP ETF 464287242 316 2,569 SH   SOLE   2,569 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 401 3,585 SH   SOLE   3,585 0 0
ISHARES TR 1-3 YR CR BD ETF 464288646 539 5,097 SH   SOLE   5,097 0 0
ISHARES TR U.S. AER&DEF ETF 464288760 263 2,041 SH   SOLE   2,041 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 879 10,809 SH   SOLE   10,809 0 0
JOHNSON & JOHNSON COM 478160104 708 5,990 SH   SOLE   5,990 0 0
JPMORGAN CHASE & CO COM 46625H100 487 7,315 SH   SOLE   7,315 0 0
KIMBERLY CLARK CORP COM 494368103 498 3,951 SH   SOLE   3,951 0 0
LILLY ELI & CO COM 532457108 260 3,240 SH   SOLE   3,240 0 0
MERCK & CO INC COM 58933Y105 857 13,734 SH   SOLE   13,734 0 0
MERITOR INC COM 59001K100 865 77,704 SH   SOLE   77,704 0 0
METLIFE INC COM 59156R108 324 7,300 SH   SOLE   7,300 0 0
MICROSOFT CORP COM 594918104 942 16,346 SH   SOLE   16,346 0 0
MONSANTO CO NEW COM 61166W101 381 3,725 SH   SOLE   3,725 0 0
NEXTERA ENERGY INC COM 65339F101 511 4,180 SH   SOLE   4,180 0 0
PEPSICO INC COM 713448108 236 2,168 SH   SOLE   2,168 0 0
PERRIGO CO PLC SHS G97822103 369 4,000 SH   SOLE   4,000 0 0
PFIZER INC COM 717081103 794 23,453 SH   SOLE   23,453 0 0
PHILIP MORRIS INTL INC COM 718172109 450 4,632 SH   SOLE   4,632 0 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 1,186 37,750 SH   SOLE   37,750 0 0
PROCTER AND GAMBLE CO COM 742718109 539 6,008 SH   SOLE   6,008 0 0
RAYTHEON CO COM NEW 755111507 582 4,277 SH   SOLE   4,277 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 327 6,182 SH   SOLE   6,182 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 224 1,779 SH   SOLE   1,779 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 80,291 371,200 SH Put SOLE   371,200 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 146,001 675,000 SH Call SOLE   675,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 152,805 706,449 SH   SOLE   706,449 0 0
SPDR SER TR NUVN BR SHT MUNI 78468R739 1,571 32,155 SH   SOLE   32,155 0 0
SPDR SERIES TRUST BARCLYS TIPS ETF 78464A656 227 3,898 SH   SOLE   3,898 0 0
TRAVELERS COMPANIES INC COM 89417E109 377 3,293 SH   SOLE   3,293 0 0
UNILEVER N V N Y SHS NEW 904784709 423 9,165 SH   SOLE   9,165 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 1,350 16,704 SH   SOLE   16,704 0 0
VANGUARD INDEX FDS REIT ETF 922908553 1,384 15,961 SH   SOLE   15,961 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 33,627 302,046 SH   SOLE   302,046 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,216 48,782 SH   SOLE   48,782 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 978 11,656 SH   SOLE   11,656 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 897 23,975 SH   SOLE   23,975 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 213 1,600 SH   SOLE   1,600 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 238 4,571 SH   SOLE   4,571 0 0
VODAFONE GROUP PLC NEW SPNSR ADR 92857W308 208 7,135 SH   SOLE   7,135 0 0
WELLS FARGO & CO NEW COM 949746101 379 8,552 SH   SOLE   8,552 0 0
WELLTOWER INC COM 95040Q104 451 6,035 SH   SOLE   6,035 0 0