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
ADVISORSHARES TR PERITUS HG YLD 00768Y503 336 8,154 SH   SOLE 8,154 0 0
APPLE INC COM 037833100 781 6,279 SH   SOLE 6,279 0 0
AT&T INC COM 00206R102 253 7,752 SH   SOLE 7,752 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 267 1,853 SH   SOLE 1,853 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 214 3,315 SH   SOLE 3,315 0 0
CHUBB CORP COM 171232101 237 2,340 SH   SOLE 2,340 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 995 46,755 SH   SOLE 46,755 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,125 52,748 SH   SOLE 52,748 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 1,118 48,984 SH   SOLE 48,984 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 1,118 50,297 SH   SOLE 50,297 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2015 18383M563 1,113 51,350 SH   SOLE 51,350 0 0
EXXON MOBIL CORP COM 30231G102 1,651 19,428 SH   SOLE 19,428 0 0
GENERAL ELECTRIC CO COM 369604103 255 10,270 SH   SOLE 10,270 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 363 2,264 SH   SOLE 2,264 0 0
ISHARES EAFE SML CP ETF 464288273 2,846 57,537 SH   SOLE 57,537 0 0
ISHARES TR CORE S&P500 ETF 464287200 751 3,615 SH   SOLE 3,615 0 0
ISHARES TR MSCI EAFE ETF 464287465 18,011 280,673 SH   SOLE 280,673 0 0
ISHARES TR CORE US GRW ETF 464287671 525 6,455 SH   SOLE 6,455 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 1,725 22,997 SH   SOLE 22,997 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 376 5,708 SH   SOLE 5,708 0 0
ISHARES TR USA MIN VOL ETF 46429B697 599 14,519 SH   SOLE 14,519 0 0
ISHARES TR CORE MSCI EAFE 46432F842 427 7,293 SH   SOLE 7,293 0 0
JOHNSON & JOHNSON COM 478160104 2,315 23,008 SH   SOLE 23,008 0 0
JPMORGAN CHASE & CO COM 46625H100 860 14,195 SH   SOLE 14,195 0 0
LILLY ELI & CO COM 532457108 301 4,140 SH   SOLE 4,140 0 0
MCDONALDS CORP COM 580135101 202 2,068 SH   SOLE 2,068 0 0
MERCK & CO INC NEW COM 58933Y105 518 9,012 SH   SOLE 9,012 0 0
PEPSICO INC COM 713448108 206 2,158 SH   SOLE 2,158 0 0
PFIZER INC COM 717081103 233 6,693 SH   SOLE 6,693 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 354 3,477 SH   SOLE 3,477 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 542 14,285 SH   SOLE 14,285 0 0
PROCTER & GAMBLE CO COM 742718109 868 10,587 SH   SOLE 10,587 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 319 7,602 SH   SOLE 7,602 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 216 1,044 SH   SOLE 1,044 0 0
SPDR SERIES TRUST S&P 500 GROWTH 78464A409 222 2,257 SH   SOLE 2,257 0 0
VALLEY NATL BANCORP COM 919794107 153 16,240 SH   SOLE 16,240 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 43,854 526,019 SH   SOLE 526,019 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 27,684 511,814 SH   SOLE 511,814 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,286 13,905 SH   SOLE 13,905 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 117,245 1,093,195 SH   SOLE 1,093,195 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,547 135,734 SH   SOLE 135,734 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 995 11,341 SH   SOLE 11,341 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 24,731 491,174 SH   SOLE 491,174 0 0