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
ALPS ETF TR ALERIAN MLP 00162Q866 181 16,754 SH   SOLE   0 0 16,754
AMGEN INC COM 031162100 1,121 6,448 SH   SOLE   0 0 6,448
ANTHEM INC COM 036752103 1,917 8,521 SH   SOLE   0 0 8,521
APPLE INC COM 037833100 3,477 20,545 SH   SOLE   0 0 20,545
ARES CAP CORP COM 04010L103 668 42,500 SH   SOLE   0 0 42,500
BANCO SANTANDER SA ADR 05964H105 362 55,323 SH   SOLE   0 0 55,323
BANK AMER CORP COM 060505104 2,369 80,245 SH   SOLE   0 0 80,245
BANK AMER CORP 7.25%CNV PFD L 060505682 2,614 1,982 SH   SOLE   0 0 1,982
BANK NEW YORK MELLON COR COM 064058100 562 10,441 SH   SOLE   0 0 10,441
BOEING CO COM 097023105 647 2,193 SH   SOLE   0 0 2,193
CA INC COM 12673P105 1,288 38,713 SH   SOLE   0 0 38,713
CISCO SYS INC COM 17275R102 1,745 45,558 SH   SOLE   0 0 45,558
CLIFTON BANCORP INC COM 186873105 672 39,280 SH   SOLE   0 0 39,280
CORMEDIX INC COM 21900C100 14 26,900 SH   SOLE   0 0 26,900
ENERGY TRANSFER PARTNERS UNIT LTD PRT INT 29278N103 562 31,384 SH   SOLE   0 0 31,384
EXPRESS SCRIPTS HLDG CO COM 30219G108 839 11,240 SH   SOLE   0 0 11,240
EXXON MOBIL CORP COM 30231G102 866 10,350 SH   SOLE   0 0 10,350
FIRST TR EXCHANGE-TRADED PFD SECS INC ETF 33739E108 614 30,703 SH   SOLE   0 0 30,703
GENERAL DYNAMICS CORP COM 369550108 1,299 6,387 SH   SOLE   0 0 6,387
GENERAL MTRS CO COM 37045V100 1,395 34,043 SH   SOLE   0 0 34,043
GILEAD SCIENCES INC COM 375558103 1,018 14,207 SH   SOLE   0 0 14,207
GOLDMAN SACHS GROUP INC COM 38141G104 387 1,521 SH   SOLE   0 0 1,521
HANCOCK JOHN FINL OPPTYS SH BEN INT NEW 409735206 276 7,014 SH   SOLE   0 0 7,014
HP INC COM 40434L105 1,264 60,159 SH   SOLE   0 0 60,159
INTL PAPER CO COM 460146103 320 5,521 SH   SOLE   0 0 5,521
ISHARES INC CORE MSCI EMKT 46434G103 1,047 18,407 SH   SOLE   0 0 18,407
ISHARES TR IBOXX HI YD ETF 464288513 244 2,797 SH   SOLE   0 0 2,797
ISHARES TR 3 7 YR TREAS BD 464288661 330 2,703 SH   SOLE   0 0 2,703
ISHARES TR NATIONAL MUN ETF 464288414 532 4,807 SH   SOLE   0 0 4,807
ISHARES TR US CR BD ETF 464288620 533 4,758 SH   SOLE   0 0 4,758
ISHARES TR MSCI EAFE ETF 464287465 643 9,149 SH   SOLE   0 0 9,149
ISHARES TR CORE S&P SCP ETF 464287804 665 8,655 SH   SOLE   0 0 8,655
ISHARES TR RUS 1000 GRW ETF 464287614 1,432 10,633 SH   SOLE   0 0 10,633
ISHARES TR S&P MC 400VL ETF 464287705 1,830 11,431 SH   SOLE   0 0 11,431
ISHARES TR S&P 500 GRWT ETF 464287309 1,957 12,809 SH   SOLE   0 0 12,809
ISHARES TR S&P MC 400GR ETF 464287606 1,960 9,081 SH   SOLE   0 0 9,081
ISHARES TR CORE 1 5 YR USD 46432F859 1,978 39,699 SH   SOLE   0 0 39,699
ISHARES TR S&P SML 600 GWT 464287887 2,761 16,228 SH   SOLE   0 0 16,228
ISHARES TR SP SMCP600VL ETF 464287879 3,681 23,968 SH   SOLE   0 0 23,968
ISHARES TR S&P 500 VAL ETF 464287408 3,713 32,505 SH   SOLE   0 0 32,505
ISHARES TR MBS ETF 464288588 3,786 35,523 SH   SOLE   0 0 35,523
ISHARES TR IBOXX INV CP ETF 464287242 6,185 50,880 SH   SOLE   0 0 50,880
ISHARES TR FLTG RATE NT ETF 46429B655 6,869 135,156 SH   SOLE   0 0 135,156
ISHARES TR CORE US AGGBD ET 464287226 7,038 64,372 SH   SOLE   0 0 64,372
ISHARES TR CORE MSCI EAFE 46432F842 14,978 226,623 SH   SOLE   0 0 226,623
JPMORGAN CHASE & CO COM 46625H100 1,143 10,690 SH   SOLE   0 0 10,690
KEYSIGHT TECHNOLOGIES IN COM 49338L103 563 13,545 SH   SOLE   0 0 13,545
L3 TECHNOLOGIES INC COM 502413107 396 2,002 SH   SOLE   0 0 2,002
LAZARD LTD SHS A G54050102 1,049 19,985 PRN   SOLE   0 0 19,985
LEAR CORP COM NEW 521865204 1,020 5,775 SH   SOLE   0 0 5,775
MCKESSON CORP COM 58155Q103 320 2,052 SH   SOLE   0 0 2,052
MERCK & CO INC COM 58933Y105 512 9,093 SH   SOLE   0 0 9,093
MICROSOFT CORP COM 594918104 920 10,759 SH   SOLE   0 0 10,759
NATIONAL OILWELL VARCO I COM 637071101 331 9,202 SH   SOLE   0 0 9,202
NTT DOCOMO INC SPONS ADR 62942M201 1,007 42,382 SH   SOLE   0 0 42,382
PACCAR INC COM 693718108 1,391 19,563 SH   SOLE   0 0 19,563
PARKER HANNIFIN CORP COM 701094104 248 1,243 SH   SOLE   0 0 1,243
PEPSICO INC COM 713448108 262 2,187 SH   SOLE   0 0 2,187
PFIZER INC COM 717081103 817 22,554 SH   SOLE   0 0 22,554
PILGRIMS PRIDE CORP NEW COM 72147K108 1,145 36,875 SH   SOLE   0 0 36,875
PIMCO ETF TR ACTIVE BD ETF 72201R775 3,273 30,881 SH   SOLE   0 0 30,881
PROSHARES TR SHRT 20+YR TRE 74347X849 2,245 102,664 SH   SOLE   0 0 102,664
PUBLIC SVC ENTERPRISE GR COM 744573106 305 5,926 SH   SOLE   0 0 5,926
PULTE GROUP INC COM 745867101 1,343 40,399 SH   SOLE   0 0 40,399
QUALCOMM INC COM 747525103 1,037 16,200 SH   SOLE   0 0 16,200
REGENERON PHARMACEUTICAL COM 75886F107 287 763 SH   SOLE   0 0 763
SPDR GOLD TRUST GOLD SHS 78463V107 3,490 28,222 SH   SOLE   0 0 28,222
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301 2,287 21,870 SH   SOLE   0 0 21,870
STEWARDSHIP FINL CORP COM 860326107 1,039 101,327 SH   SOLE   0 0 101,327
SYMANTEC CORP COM 871503108 831 29,631 SH   SOLE   0 0 29,631
TARO PHARMACEUTICAL INDS SHS M8737E108 705 6,732 SH   SOLE   0 0 6,732
TEXTRON INC COM 883203101 737 13,023 SH   SOLE   0 0 13,023
UNITED PARCEL SERVICE IN CL B 911312106 1,168 9,800 SH   SOLE   0 0 9,800
VALERO ENERGY CORP NEW COM 91913Y100 928 10,102 SH   SOLE   0 0 10,102
VALLEY NATL BANCORP COM 919794107 338 30,093 SH   SOLE   0 0 30,093
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 3,144 39,753 SH   SOLE   0 0 39,753
VANGUARD INDEX FDS REIT ETF 922908553 436 5,253 SH   SOLE   0 0 5,253
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,376 67,791 SH   SOLE   0 0 67,791
WAL-MART STORES INC COM 931142103 1,587 16,066 SH   SOLE   0 0 16,066
WELLS FARGO CO NEW COM 949746101 1,217 20,060 SH   SOLE   0 0 20,060
WELLS FARGO CO NEW PERP PFD CNV A 949746804 3,040 2,321 SH   SOLE   0 0 2,321
WESTERN UN CO COM 959802109 215 11,292 SH   SOLE   0 0 11,292
WISDOMTREE TR US HIGH DIVIDEND 97717W208 498 6,843 SH   SOLE   0 0 6,843
XEROX CORP COM NEW 984121608 953 32,688 SH   SOLE   0 0 32,688
ZIOPHARM ONCOLOGY INC COM 98973P101 47 11,255 SH   SOLE   0 0 11,255