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
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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
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 414 19,957 SH   SOLE 0 0 19,957
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2013 18383M589 414 19,957 SH   SOLE 0 0 19,957
EXXON MOBIL CORP COM 30231G102 970 11,270 SH   SOLE 0 0 11,270
ISHARES MSCI EAFE ETF 464287465 16,896 264,819 SH   SOLE 0 0 264,819
ISHARES RUS 3000 GRW ETF 464287671 263 4,090 SH   SOLE 0 0 4,090
ISHARES EAFE SML CP ETF 464288273 2,831 58,364 SH   SOLE 0 0 58,364
ISHARES HIGH DIVIDND ETF 46429B663 15,532 234,342 SH   SOLE 0 0 234,342
JOHNSON & JOHNSON COM 478160104 1,656 19,102 SH   SOLE 0 0 19,102
MARKET VECTORS ETF TR PFD SEC EXFINL 57061R791 232 12,010 SH   SOLE 0 0 12,010
MERCK & CO INC NEW COM 58933Y105 398 8,355 SH   SOLE 0 0 8,355
PROCTER & GAMBLE CO COM 742718109 687 9,082 SH   SOLE 0 0 9,082
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 13,927 483,226 SH   SOLE 0 0 483,226
VALLEY NATL BANCORP COM 919794107 156 15,715 SH   SOLE 0 0 15,715
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 59,923 740,882 SH   SOLE 0 0 740,882
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 929 12,042 SH   SOLE 0 0 12,042
VANGUARD INDEX FDS TOTAL STK MKT 922908769 101,681 1,160,077 SH   SOLE 0 0 1,160,077
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 710 8,915 SH   SOLE 0 0 8,915
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,569 18,812 SH   SOLE 0 0 18,812
VANGUARD STAR FD VG TL INTL STK F 921909768 22,258 443,821 SH   SOLE 0 0 443,821