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
CORMEDIX INC COM COM 21900C100 6 26,900 SH   SOLE   0 0 26,900
ZIOPHARM ONCOLOGY INC COM COM 98973P101 34 11,255 SH   SOLE   0 0 11,255
ARES CAPITAL CORP COM STK USD0.001 COM 04010L103 206 12,500 SH   SOLE   0 0 12,500
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 206 1,735 SH   SOLE   0 0 1,735
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 208 1,446 SH   SOLE   0 0 1,446
HANCOCK JOHN FINL OPPTYS FD SH BEN INT NEW SH BEN INT NEW 409735206 261 7,014 SH   SOLE   0 0 7,014
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 278 3,395 SH   SOLE   0 0 3,395
PUBLIC SERVICE ENTERPRISE GROUP INC COM 744573106 319 5,886 SH   SOLE   0 0 5,886
ISHARES TR 3 7 YR TREAS BD 3 7 YR TREAS BD 464288661 324 2,703 SH   SOLE   0 0 2,703
GOLDMAN SACHS GROUP INC COM 38141G104 333 1,512 SH   SOLE   0 0 1,512
VALLEY NATL BANCORP COM 919794107 366 30,093 SH   SOLE   0 0 30,093
SYMANTEC CORP COM 871503108 391 18,932 SH   SOLE   0 0 18,932
L3 TECHNOLOGIES INC COM COM 502413107 419 2,178 SH   SOLE   0 0 2,178
ANTHEM INC COM COM 036752103 457 1,921 SH   SOLE   0 0 1,921
ISHARES TR US CR BD ETF US CR BD ETF 464288620 476 4,416 SH   SOLE   0 0 4,416
MERCK & CO INC NEW COM COM 58933Y105 498 8,212 SH   SOLE   0 0 8,212
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 520 4,768 SH   SOLE   0 0 4,768
CITIGROUP INC COM NEW COM NEW 172967424 537 8,029 SH   SOLE   0 0 8,029
BANCO SANTANDER SA ADR EACH 1 REPR 1 ORD EUR0.50 ADR 05964H105 553 103,568 SH   SOLE   0 0 103,568
BANK NEW YORK MELLON CORP COM 064058100 563 10,441 SH   SOLE   0 0 10,441
MICROSOFT CORP COM 594918104 584 5,927 SH   SOLE   0 0 5,927
FIRST TR EXCHANGE TRADED FD III FIRST TR PFD SECS & INCOME ETF PFD SECS INC ETF 33739E108 585 30,701 SH   SOLE   0 0 30,701
KEARNY FINL CORP MD COM COM 48716P108 629 46,782 SH   SOLE   0 0 46,782
NUCOR CORP COM COM 670346105 668 10,692 SH   SOLE   0 0 10,692
PFIZER INC COM 717081103 684 18,855 SH   SOLE   0 0 18,855
ENERGY TRANSFER PARTNERS LP UNIT LTD PRT INT UNIT LTD PRT INT 29278N103 694 36,456 SH   SOLE   0 0 36,456
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 730 10,927 SH   SOLE   0 0 10,927
BOEING CO COM 097023105 748 2,230 SH   SOLE   0 0 2,230
HUMANA INC COM 444859102 803 2,697 SH   SOLE   0 0 2,697
TEXTRON INC COM 883203101 836 12,683 SH   SOLE   0 0 12,683
ISHARES INC CORE MSCI EMERGING MKTS ETF CORE MSCI EMKT 46434G103 883 16,781 SH   SOLE   0 0 16,781
WELLS FARGO CO NEW COM COM 949746101 912 16,452 SH   SOLE   0 0 16,452
XEROX CORP COM NEW COM NEW 984121608 984 41,009 SH   SOLE   0 0 41,009
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 1,027 7,206 SH   SOLE   0 0 7,206
PILGRIMS PRIDE CORP NEW COM COM 72147K108 1,042 51,745 SH   SOLE   0 0 51,745
QUALCOMM INC COM 747525103 1,050 18,712 SH   SOLE   0 0 18,712
TARO PHARMACEUTICALS INDS LTD ORD SHS M8737E108 1,068 9,228 SH   SOLE   0 0 9,228
KEYSIGHT TECHNOLOGIES INC COM COM 49338L103 1,135 19,227 SH   SOLE   0 0 19,227
LAZARD LTD SHS A SHS A G54050102 1,147 23,450 SH   SOLE   0 0 23,450
STEWARDSHIP FINL CORP COM COM 860326107 1,187 101,852 SH   SOLE   0 0 101,852
EXPRESS SCRIPTS HLDG CO COM COM 30219G108 1,192 15,440 SH   SOLE   0 0 15,440
GILEAD SCIENCES INC COM 375558103 1,258 17,761 SH   SOLE   0 0 17,761
VALERO ENERGY CORP COM 91913Y100 1,273 11,483 SH   SOLE   0 0 11,483
EXXON MOBIL CORP COM 30231G102 1,288 15,570 SH   SOLE   0 0 15,570
LEAR CORP NEW COM USD0.01 COM NEW 521865204 1,353 7,280 SH   SOLE   0 0 7,280
GENERAL DYNAMICS CRP COM 369550108 1,381 7,407 SH   SOLE   0 0 7,407
PACCAR INC COM 693718108 1,423 22,965 SH   SOLE   0 0 22,965
AMGEN INC COM 031162100 1,425 7,719 SH   SOLE   0 0 7,719
PULTEGROUP INC FORMERLY PULTE CORP TO 05/17/2001 COM 745867101 1,490 51,835 SH   SOLE   0 0 51,835
HP INC COM COM 40434L105 1,552 68,410 SH   SOLE   0 0 68,410
CA INC COM COM 12673P105 1,568 43,976 SH   SOLE   0 0 43,976
GENERAL MTRS CO COM COM 37045V100 1,619 41,088 SH   SOLE   0 0 41,088
WALMART INC COM COM 931142103 1,763 20,583 SH   SOLE   0 0 20,583
ISHARES CORE 1-5 YEAR USD BOND ETF CORE 1 5 YR USD 46432F859 1,768 36,022 SH   SOLE   0 0 36,022
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 1,781 11,198 SH   SOLE   0 0 11,198
ISHARES TR MBS ETF MBS ETF 464288588 1,804 17,318 SH   SOLE   0 0 17,318
JPMORGAN CHASE & CO COM 46625H100 1,862 17,866 SH   SOLE   0 0 17,866
ISHARES S&P MIDCAP 400 VALUE ETF S&P MC 400VL ETF 464287705 1,921 11,869 SH   SOLE   0 0 11,869
CISCO SYS INC COM COM 17275R102 2,035 47,299 SH   SOLE   0 0 47,299
SPDR INDEX SHS FDS S&P EMERGING ASIA PAC ETF ASIA PACIF ETF 78463X301 2,151 21,617 SH   SOLE   0 0 21,617
BANK OF AMERICA CORP COM 060505104 2,255 79,978 SH   SOLE   0 0 79,978
ISHARES TR S&P SMALL CAP 600 GROWTH ETF S&P SML 600 GWT 464287887 2,445 12,981 SH   SOLE   0 0 12,981
PROSHARES TR SHRT 20+YR TRE 74347X849 2,892 127,752 SH   SOLE   0 0 127,752
ISHARES S&P SMALLCAP 600 VALUE ETF SP SMCP600VL ETF 464287879 2,967 18,180 SH   SOLE   0 0 18,180
BANK AMER CORP 7.25%CNV PFD L 060505682 2,990 2,391 SH   SOLE   0 0 2,391
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 3,209 29,237 SH   SOLE   0 0 29,237
WELLS FARGO CO NEW PERP PFD CNV A 949746804 3,236 2,570 SH   SOLE   0 0 2,570
SPDR GOLD TR GOLD SHS GOLD SHS 78463V107 3,538 29,817 SH   SOLE   0 0 29,817
VANGUARD BD INDEX FD INC SHORT TERM BD ETF SHORT TRM BOND 921937827 3,630 46,410 SH   SOLE   0 0 46,410
APPLE INC COM 037833100 3,805 20,553 SH   SOLE   0 0 20,553
ISHARES S&P MID CAP 400 GROWTH ETF S&P MC 400GR ETF 464287606 3,979 17,755 SH   SOLE   0 0 17,755
PIMCO ETF TR ACTIVE BD ETF ACTIVE BD ETF 72201R775 4,204 40,791 SH   SOLE   0 0 40,791
ISHARES CORE S&P SMALL-CAP E CORE S&P SCP ETF 464287804 4,690 56,197 SH   SOLE   0 0 56,197
VANGUARD SCOTTSDALE FDS VANGUARD SHORT-TERM CORPORATE BD INDEX FD ETF SHS SHRT TRM CORP BD 92206C409 5,473 70,078 SH   SOLE   0 0 70,078
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 6,605 57,651 SH   SOLE   0 0 57,651
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 7,452 70,081 PRN   SOLE   0 0 70,081
ISHARES TR FLTG RATE NT ETF FLTG RATE NT ETF 46429B655 9,091 178,255 SH   SOLE   0 0 178,255
ISHARES TRUST CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 14,942 235,784 SH   SOLE   0 0 235,784