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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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
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 605 28,904 SH   SOLE 0 0 28,904
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 608 26,846 SH   SOLE 0 0 26,846
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 612 27,453 SH   SOLE 0 0 27,453
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 612 27,979 SH   SOLE 0 0 27,979
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2014 18383M571 547 25,730 SH   SOLE 0 0 25,730
EXXON MOBIL CORP COM 30231G102 1,318 13,021 SH   SOLE 0 0 13,021
GENERAL ELECTRIC CO COM 369604103 205 7,313 SH   SOLE 0 0 7,313
ISHARES CORE TOTUSBD ETF 464287226 5,968 56,075 SH   SOLE 0 0 56,075
ISHARES MSCI EAFE ETF 464287465 17,623 262,657 SH   SOLE 0 0 262,657
ISHARES RUS 3000 GRW ETF 464287671 289 4,090 SH   SOLE 0 0 4,090
ISHARES EAFE SML CP ETF 464288273 2,920 57,270 SH   SOLE 0 0 57,270
ISHARES GOV/CRED BD ETF 464288596 18,743 170,388 SH   SOLE 0 0 170,388
ISHARES CREDIT BD ETF 464288620 692 6,473 SH   SOLE 0 0 6,473
ISHARES HIGH DIVIDND ETF 46429B663 17,261 245,711 SH   SOLE 0 0 245,711
ISHARES USA MIN VOL ETF 46429B697 424 11,946 SH   SOLE 0 0 11,946
JOHNSON & JOHNSON COM 478160104 1,750 19,107 SH   SOLE 0 0 19,107
MERCK & CO INC NEW COM 58933Y105 416 8,320 SH   SOLE 0 0 8,320
PROCTER & GAMBLE CO COM 742718109 745 9,147 SH   SOLE 0 0 9,147
PUBLIC SVC ENTERPRISE GROUP COM 744573106 273 8,517 SH   SOLE 0 0 8,517
VALLEY NATL BANCORP COM 919794107 159 15,715 SH   SOLE 0 0 15,715
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 36,328 453,822 SH   SOLE 0 0 453,822
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 25,965 523,273 SH   SOLE 0 0 523,273
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 962 11,627 SH   SOLE 0 0 11,627
VANGUARD INDEX FDS TOTAL STK MKT 922908769 109,362 1,140,138 SH   SOLE 0 0 1,140,138
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,628 136,799 SH   SOLE 0 0 136,799
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 754 9,448 SH   SOLE 0 0 9,448
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,102 13,325 SH   SOLE 0 0 13,325
VANGUARD STAR FD VG TL INTL STK F 921909768 23,701 452,483 SH   SOLE 0 0 452,483