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
ADVISORSHARES TR PERITUS HG YLD 00768Y503 250 8,154 SH   SOLE 8,154 0 0
ALTRIA GROUP INC COM 02209S103 210 3,344 SH   SOLE 3,344 0 0
AMAZON COM INC COM 023135106 215 363 SH   SOLE 363 0 0
APPLE INC COM 037833100 969 8,886 SH   SOLE 8,886 0 0
AT&T INC COM 00206R102 317 8,085 SH   SOLE 8,085 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 327 2,308 SH   SOLE 2,308 0 0
CITIGROUP INC COM NEW 172967424 999 23,919 SH   SOLE 23,919 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 912 42,619 SH   SOLE 42,619 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 1,017 47,941 SH   SOLE 47,941 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,076 50,962 SH   SOLE 50,962 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2017 18383M548 1,071 47,324 SH   SOLE 47,324 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG CRP BD 2016 18383M555 1,064 48,240 SH   SOLE 48,240 0 0
COCA COLA CO COM 191216100 378 8,140 SH   SOLE 8,140 0 0
EXXON MOBIL CORP COM 30231G102 2,288 27,373 SH   SOLE 27,373 0 0
GENERAL ELECTRIC CO COM 369604103 452 14,204 SH   SOLE 14,204 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 302 1,997 SH   SOLE 1,997 0 0
ISHARES EM MK MINVOL ETF 464286533 270 5,264 SH   SOLE 5,264 0 0
ISHARES IBONDS SEP17 ETF 464289271 200 7,296 SH   SOLE 7,296 0 0
ISHARES INC CORE MSCI EMKT 46434G103 276 6,639 SH   SOLE 6,639 0 0
ISHARES TR S&P 100 ETF 464287101 640 7,000 SH   SOLE 7,000 0 0
ISHARES TR CORE S&P TTL STK 464287150 661 7,078 SH   SOLE 7,078 0 0
ISHARES TR CORE S&P500 ETF 464287200 890 4,309 SH   SOLE 4,309 0 0
ISHARES TR MSCI EAFE ETF 464287465 16,977 297,016 SH   SOLE 297,016 0 0
ISHARES TR RUS MD CP GR ETF 464287481 246 2,664 SH   SOLE 2,664 0 0
ISHARES TR EAFE SML CP ETF 464288273 2,914 58,513 SH   SOLE 58,513 0 0
ISHARES TR IBONDS SEP18 ETF 46429B580 200 7,822 SH   SOLE 7,822 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,004 25,691 SH   SOLE 25,691 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 586 8,826 SH   SOLE 8,826 0 0
ISHARES TR USA MIN VOL ETF 46429B697 1,785 40,629 SH   SOLE 40,629 0 0
ISHARES TR CORE MSCI EAFE 46432F842 955 17,979 SH   SOLE 17,979 0 0
ISHARES TR HDG MSCI EAFE 46434V803 399 16,705 SH   SOLE 16,705 0 0
JOHNSON & JOHNSON COM 478160104 2,727 25,202 SH   SOLE 25,202 0 0
JPMORGAN CHASE & CO COM 46625H100 893 15,079 SH   SOLE 15,079 0 0
LILLY ELI & CO COM 532457108 317 4,403 SH   SOLE 4,403 0 0
MCCORMICK & CO INC COM VTG 579780107 224 2,250 SH   SOLE 2,250 0 0
MCDONALDS CORP COM 580135101 222 1,765 SH   SOLE 1,765 0 0
MERCK & CO INC NEW COM 58933Y105 516 9,753 SH   SOLE 9,753 0 0
MICROSOFT CORP COM 594918104 299 5,412 SH   SOLE 5,412 0 0
PFIZER INC COM 717081103 687 23,163 SH   SOLE 23,163 0 0
PHILIP MORRIS INTL INC COM 718172109 216 2,198 SH   SOLE 2,198 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 315 3,477 SH   SOLE 3,477 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 576 14,285 SH   SOLE 14,285 0 0
PROCTER & GAMBLE CO COM 742718109 918 11,157 SH   SOLE 11,157 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 375 7,945 SH   SOLE 7,945 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 211 4,765 SH   SOLE 4,765 0 0
SPDR SERIES TRUST S&P 500 GROWTH 78464A409 231 2,294 SH   SOLE 2,294 0 0
SPDR SERIES TRUST BRCLYS 1-3MT ETF 78464A680 366 8,000 SH   SOLE 8,000 0 0
SPDR SERIES TRUST S&P BK ETF 78464A797 306 10,080 SH   SOLE 10,080 0 0
TRAVELERS COMPANIES INC COM 89417E109 293 2,510 SH   SOLE 2,510 0 0
VALLEY NATL BANCORP COM 919794107 213 22,342 SH   SOLE 22,342 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 51,671 624,012 SH   SOLE 624,012 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,448 17,483 SH   SOLE 17,483 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 113,792 1,085,590 SH   SOLE 1,085,590 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,735 165,842 SH   SOLE 165,842 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 23,457 522,196 SH   SOLE 522,196 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 265 4,896 SH   SOLE 4,896 0 0