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
3M CO COM 88579Y101 386 1,640 SH   SOLE 1,640 0 0
ABBVIE INC COM 00287Y109 243 2,514 SH   SOLE 2,514 0 0
ALPHABET INC CAP STK CL C 02079K107 297 284 SH   SOLE 284 0 0
ALPHABET INC CAP STK CL A 02079K305 242 230 SH   SOLE 230 0 0
AMAZON COM INC COM 023135106 802 686 SH   SOLE 686 0 0
APPLE INC COM 037833100 1,505 8,895 SH   SOLE 8,895 0 0
AT&T INC COM 00206R102 364 9,365 SH   SOLE 9,365 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 508 2,563 SH   SOLE 2,563 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2022 18383M258 1,084 51,191 SH   SOLE 51,191 0 0
CLAYMORE EXCHANGE TRD FD TR GUGG BULSH 2021 18383M266 1,087 51,440 SH   SOLE 51,440 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2020 E 18383M514 1,111 52,175 SH   SOLE 52,175 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2019 E 18383M522 1,136 53,891 SH   SOLE 53,891 0 0
CLAYMORE EXCHANGE TRD FD TR GUG BULL2018 E 18383M530 1,157 54,844 SH   SOLE 54,844 0 0
COCA COLA CO COM 191216100 367 8,001 SH   SOLE 8,001 0 0
EXXON MOBIL CORP COM 30231G102 1,684 20,137 SH   SOLE 20,137 0 0
FACEBOOK INC CL A 30303M102 211 1,193 SH   SOLE 1,193 0 0
GOLDMAN SACHS ETF TR EQUITY ETF 381430503 1,247 23,376 SH   SOLE 23,376 0 0
HONEYWELL INTL INC COM 438516106 270 1,762 SH   SOLE 1,762 0 0
INTEL CORP COM 458140100 237 5,141 SH   SOLE 5,141 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 427 2,784 SH   SOLE 2,784 0 0
ISHARES INC MIN VOL EMRG MKT 464286533 486 8,005 SH   SOLE 8,005 0 0
ISHARES INC CORE MSCI EMKT 46434G103 799 14,034 SH   SOLE 14,034 0 0
ISHARES TR CORE S&P TTL STK 464287150 424 6,928 SH   SOLE 6,928 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,452 5,400 SH   SOLE 5,400 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,993 28,342 SH   SOLE 28,342 0 0
ISHARES TR RUS MD CP GR ETF 464287481 269 2,325 SH   SOLE 2,325 0 0
ISHARES TR CORE S&P MCP ETF 464287507 446 2,353 SH   SOLE 2,353 0 0
ISHARES TR CORE S&P US GWT 464287671 258 4,942 SH   SOLE 4,942 0 0
ISHARES TR CORE S&P SCP ETF 464287804 972 12,656 SH   SOLE 12,656 0 0
ISHARES TR EAFE SML CP ETF 464288273 271 4,197 SH   SOLE 4,197 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,259 11,370 SH   SOLE 11,370 0 0
ISHARES TR INTRM GOV CR ETF 464288612 497 4,508 SH   SOLE 4,508 0 0
ISHARES TR MODERT ALLOC ETF 464289875 2,595 68,220 SH   SOLE 68,220 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 2,166 24,034 SH   SOLE 24,034 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 1,260 17,268 SH   SOLE 17,268 0 0
ISHARES TR USA QUALITY FCTR 46432F339 3,814 46,003 SH   SOLE 46,003 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 220 4,667 SH   SOLE 4,667 0 0
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 395 7,868 SH   SOLE 7,868 0 0
JOHNSON & JOHNSON COM 478160104 3,426 24,518 SH   SOLE 24,518 0 0
JPMORGAN CHASE & CO COM 46625H100 1,485 13,885 SH   SOLE 13,885 0 0
LILLY ELI & CO COM 532457108 345 4,083 SH   SOLE 4,083 0 0
MCCORMICK & CO INC COM VTG 579780107 237 2,325 SH   SOLE 2,325 0 0
MCDONALDS CORP COM 580135101 256 1,488 SH   SOLE 1,488 0 0
MERCK & CO INC COM 58933Y105 383 6,809 SH   SOLE 6,809 0 0
MICROSOFT CORP COM 594918104 543 6,348 SH   SOLE 6,348 0 0
MORGAN STANLEY COM NEW 617446448 306 5,834 SH   SOLE 5,834 0 0
NEW JERSEY RES COM 646025106 208 5,183 SH   SOLE 5,183 0 0
PEPSICO INC COM 713448108 377 3,142 SH   SOLE 3,142 0 0
PFIZER INC COM 717081103 910 25,127 SH   SOLE 25,127 0 0
PHILIP MORRIS INTL INC COM 718172109 212 2,009 SH   SOLE 2,009 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 347 3,477 SH   SOLE 3,477 0 0
POWERSHARES ETF TR II S&P500 LOW VOL 73937B779 682 14,285 SH   SOLE 14,285 0 0
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 297 1,906 SH   SOLE 1,906 0 0
PROCTER AND GAMBLE CO COM 742718109 1,104 12,019 SH   SOLE 12,019 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 707 13,727 SH   SOLE 13,727 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 292 4,560 SH   SOLE 4,560 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 235 1,900 SH   SOLE 1,900 0 0
SPDR INDEX SHS FDS MSCI EAFE STRTGC 78463X434 1,521 23,395 SH   SOLE 23,395 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 473 9,673 SH   SOLE 9,673 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,134 4,250 SH   SOLE 4,250 0 0
SPDR SER TR NUVEEN BLMBRG SR 78468R739 482 10,070 SH   SOLE 10,070 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 640 13,151 SH   SOLE 13,151 0 0
TRAVELERS COMPANIES INC COM 89417E109 336 2,475 SH   SOLE 2,475 0 0
UNION PAC CORP COM 907818108 236 1,759 SH   SOLE 1,759 0 0
VANECK VECTORS ETF TR AMT FREE INT ETF 92189F544 681 28,276 SH   SOLE 28,276 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 35,915 440,300 SH   SOLE 440,300 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 580 10,666 SH   SOLE 10,666 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,537 13,756 SH   SOLE 13,756 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 136,599 995,255 SH   SOLE 995,255 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 216 1,809 SH   SOLE 1,809 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 12,091 263,361 SH   SOLE 263,361 0 0
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 12,947 177,595 SH   SOLE 177,595 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 12,469 210,797 SH   SOLE 210,797 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 758 9,556 SH   SOLE 9,556 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,478 14,482 SH   SOLE 14,482 0 0
VANGUARD STAR FD VG TL INTL STK F 921909768 3,240 57,033 SH   SOLE 57,033 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 371 3,336 SH   SOLE 3,336 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 271 3,539 SH   SOLE 3,539 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 294 5,551 SH   SOLE 5,551 0 0
VISA INC COM CL A 92826C839 353 3,098 SH   SOLE 3,098 0 0
WISDOMTREE TR US MIDCP EARNING 97717W570 617 15,558 SH   SOLE 15,558 0 0