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
3M CO COM 88579Y101 320 1,846 SH   SOLE   1,846 0 0
ABBOTT LABS COM 002824100 362 4,309 SH   SOLE   4,309 0 0
ABBVIE INC COM 00287Y109 303 4,167 SH   SOLE   4,167 0 0
ABERDEEN ASIA PACIFIC INCOM COM 003009107 1,205 288,248 SH   SOLE   288,248 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 323 1,749 SH   SOLE   1,749 0 0
AIR PRODS & CHEMS INC COM 009158106 239 1,055 SH   SOLE   1,055 0 0
ALPHABET INC CAP STK CL C 02079K107 1,634 1,512 SH   SOLE   1,512 0 0
ALPHABET INC CALL 02079K907 1,788 1,651 SH   SOLE   1,651 0 0
AMAZON COM INC COM 023135106 343 181 SH   SOLE   181 0 0
APPLE INC COM 037833100 1,441 7,282 SH   SOLE   7,282 0 0
AT&T INC COM 00206R102 226 6,753 SH   SOLE   6,753 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 218 1,316 SH   SOLE   1,316 0 0
BANK AMER CORP COM 060505104 383 13,194 SH   SOLE   13,194 0 0
BECTON DICKINSON & CO COM 075887109 371 1,473 SH   SOLE   1,473 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,065 4,998 SH   SOLE   4,998 0 0
BLACKROCK CORE BD TR SHS BEN INT 09249E101 2,611 185,729 SH   SOLE   185,729 0 0
BOEING CO COM 097023105 1,052 2,889 SH   SOLE   2,889 0 0
CABLE ONE INC COM 12685J105 509 435 SH   SOLE   435 0 0
CHEVRON CORP NEW COM 166764100 629 5,056 SH   SOLE   5,056 0 0
CIGNA CORP NEW COM 125523100 238 1,512 SH   SOLE   1,512 0 0
CISCO SYS INC COM 17275R102 420 7,670 SH   SOLE   7,670 0 0
COCA COLA CO COM 191216100 203 3,988 SH   SOLE   3,988 0 0
CONOCOPHILLIPS COM 20825C104 263 4,319 SH   SOLE   4,319 0 0
COSTCO WHSL CORP NEW COM 22160K105 329 1,247 SH   SOLE   1,247 0 0
DISNEY WALT CO COM DISNEY 254687106 540 3,865 SH   SOLE   3,865 0 0
EXXON MOBIL CORP COM 30231G102 890 11,614 SH   SOLE   11,614 0 0
FLAHERTY&CRMN PFD SEC INCOM COM 338478100 1,636 82,066 SH   SOLE   82,066 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,178 30,000 SH   SOLE   30,000 0 0
GRAHAM HLDGS CO COM 384637104 300 435 SH   SOLE   435 0 0
HOME DEPOT INC COM 437076102 580 2,791 SH   SOLE   2,791 0 0
HONEYWELL INTL INC COM 438516106 376 2,156 SH   SOLE   2,156 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 349 2,529 SH   SOLE   2,529 0 0
INTUIT COM 461202103 208 794 SH   SOLE   794 0 0
ISHARES INC MSCI AUST ETF 464286103 410 18,187 SH   SOLE   18,187 0 0
ISHARES INC MSCI BRAZIL ETF 464286400 555 12,685 SH   SOLE   12,685 0 0
ISHARES INC MSCI CDA ETF 464286509 1,236 43,203 SH   SOLE   43,203 0 0
ISHARES INC MSCI PAC JP ETF 464286665 481 10,187 SH   SOLE   10,187 0 0
ISHARES INC MSCI GBL ETF NEW 46434G848 910 30,041 SH   SOLE   30,041 0 0
ISHARES TR TIPS BD ETF 464287176 9,079 78,616 SH   SOLE   78,616 0 0
ISHARES TR CORE S&P500 ETF 464287200 9,467 32,119 SH   SOLE   32,119 0 0
ISHARES TR CORE US AGGBD ET 464287226 6,623 59,483 SH   SOLE   59,483 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,216 28,333 SH   SOLE   28,333 0 0
ISHARES TR GBL COMM SVC ETF 464287275 271 4,732 SH   SOLE   4,732 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,692 15,021 SH   SOLE   15,021 0 0
ISHARES TR GLOB HLTHCRE ETF 464287325 1,076 17,434 SH   SOLE   17,434 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 413 6,438 SH   SOLE   6,438 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 3,485 107,339 SH   SOLE   107,339 0 0
ISHARES TR NORTH AMERN NAT 464287374 8,501 276,914 SH   SOLE   276,914 0 0
ISHARES TR JPX NIKKEI 400 464287382 425 7,256 SH   SOLE   7,256 0 0
ISHARES TR S&P 500 VAL ETF 464287408 1,253 10,750 SH   SOLE   10,750 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,127 8,489 SH   SOLE   8,489 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,208 20,073 SH   SOLE   20,073 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,753 20,682 SH   SOLE   20,682 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,737 56,854 SH   SOLE   56,854 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,835 9,448 SH   SOLE   9,448 0 0
ISHARES TR EXPND TEC SC ETF 464287549 653 3,030 SH   SOLE   3,030 0 0
ISHARES TR NASDAQ BIOTECH 464287556 1,129 10,352 SH   SOLE   10,352 0 0
ISHARES TR COHEN STEER REIT 464287564 2,087 18,528 SH   SOLE   18,528 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,513 6,688 SH   SOLE   6,688 0 0
ISHARES TR RUS 1000 ETF 464287622 3,725 23,060 SH   SOLE   23,060 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 987 6,349 SH   SOLE   6,349 0 0
ISHARES TR CORE S&P US VLU 464287663 43,617 253,059 SH   SOLE   253,059 0 0
ISHARES TR CORE S&P US GWT 464287671 895 14,283 SH   SOLE   14,283 0 0
ISHARES TR U.S. UTILITS ETF 464287697 1,960 12,999 SH   SOLE   12,999 0 0
ISHARES TR S&P MC 400VL ETF 464287705 1,809 11,341 SH   SOLE   11,341 0 0
ISHARES TR US TELECOM ETF 464287713 764 25,956 SH   SOLE   25,956 0 0
ISHARES TR U.S. FIN SVC ETF 464287770 1,415 10,572 SH   SOLE   10,572 0 0
ISHARES TR U.S. ENERGY ETF 464287796 458 13,300 SH   SOLE   13,300 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,276 29,078 SH   SOLE   29,078 0 0
ISHARES TR U.S. CNSM GD ETF 464287812 464 3,821 SH   SOLE   3,821 0 0
ISHARES TR EUROPE ETF 464287861 2,536 57,552 SH   SOLE   57,552 0 0
ISHARES TR SP SMCP600VL ETF 464287879 4,203 28,282 SH   SOLE   28,282 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,436 7,868 SH   SOLE   7,868 0 0
ISHARES TR INTL TREA BD ETF 464288117 5,142 101,129 SH   SOLE   101,129 0 0
ISHARES TR 3YRTB ETF 464288125 976 12,217 SH   SOLE   12,217 0 0
ISHARES TR SHRT NAT MUN ETF 464288158 418 3,924 SH   SOLE   3,924 0 0
ISHARES TR EAFE SML CP ETF 464288273 1,107 19,282 SH   SOLE   19,282 0 0
ISHARES TR INTL DEV RE ETF 464288489 1,976 66,278 SH   SOLE   66,278 0 0
ISHARES TR GLOB UTILITS ETF 464288711 238 4,359 SH   SOLE   4,359 0 0
ISHARES TR US HOME CONS ETF 464288752 530 13,864 SH   SOLE   13,864 0 0
ISHARES TR US REGNL BKS ETF 464288778 317 6,916 SH   SOLE   6,916 0 0
ISHARES TR U.S. PHARMA ETF 464288836 413 2,738 SH   SOLE   2,738 0 0
ISHARES TR US OIL EQ&SV ETF 464288844 451 20,785 SH   SOLE   20,785 0 0
ISHARES TR MICRO-CAP ETF 464288869 230 2,472 SH   SOLE   2,472 0 0
ISHARES TR EAFE VALUE ETF 464288877 339 7,054 SH   SOLE   7,054 0 0
ISHARES TR IBONDS SEP19 ETF 46429B564 300 11,794 SH   SOLE   11,794 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 9,728 96,717 SH   SOLE   96,717 0 0
JOHNSON & JOHNSON COM 478160104 762 5,474 SH   SOLE   5,474 0 0
JPMORGAN CHASE & CO COM 46625H100 722 6,459 SH   SOLE   6,459 0 0
LAM RESEARCH CORP COM 512807108 224 1,194 SH   SOLE   1,194 0 0
LOWES COS INC COM 548661107 225 2,226 SH   SOLE   2,226 0 0
MARRIOTT INTL INC NEW CL A 571903202 367 2,613 SH   SOLE   2,613 0 0
MERCK & CO INC COM 58933Y105 1,187 14,153 SH   SOLE   14,153 0 0
MICROSOFT CORP COM 594918104 506 3,778 SH   SOLE   3,778 0 0
MIDDLESEX WATER CO COM 596680108 415 7,000 SH   SOLE   7,000 0 0
NEOGEN CORP COM 640491106 273 4,396 SH   SOLE   4,396 0 0
NORFOLK SOUTHERN CORP COM 655844108 233 1,169 SH   SOLE   1,169 0 0
NORTHROP GRUMMAN CORP CALL 666807902 217 672 SH   SOLE   672 0 0
NVIDIA CORP COM 67066G104 310 1,885 SH   SOLE   1,885 0 0
PEPSICO INC COM 713448108 431 3,285 SH   SOLE   3,285 0 0
PFIZER INC COM 717081103 238 5,484 SH   SOLE   5,484 0 0
PNC FINL SVCS GROUP INC COM 693475105 263 1,916 SH   SOLE   1,916 0 0
PROCTER AND GAMBLE CO COM 742718109 290 2,640 SH   SOLE   2,640 0 0
RAYTHEON CO COM NEW 755111507 234 1,345 SH   SOLE   1,345 0 0
ROYCE MICRO-CAP TR INC COM 780915104 2,024 246,279 SH   SOLE   246,279 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,694 108,575 SH   SOLE   108,575 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 271 8,453 SH   SOLE   8,453 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 478 5,164 SH   SOLE   5,164 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 427 7,360 SH   SOLE   7,360 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 641 5,381 SH   SOLE   5,381 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 359 5,640 SH   SOLE   5,640 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 377 13,664 SH   SOLE   13,664 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 339 4,376 SH   SOLE   4,376 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 357 4,579 SH   SOLE   4,579 0 0
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 4,439 79,861 SH   SOLE   79,861 0 0
SPDR SERIES TRUST S&P METALS MNG 78464A755 904 31,839 SH   SOLE   31,839 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 5,007 102,035 SH   SOLE   102,035 0 0
STARBUCKS CORP COM 855244109 225 2,682 SH   SOLE   2,682 0 0
TEMPLETON EMERGING MKTS FD I COM 880191101 1,684 111,529 SH   SOLE   111,529 0 0
TEMPLETON GLOBAL INCOME FD COM 880198106 2,258 354,957 SH   SOLE   354,957 0 0
UNION PACIFIC CORP COM 907818108 675 3,990 SH   SOLE   3,990 0 0
VANECK VECTORS ETF TR INVT GRADE FLTG 92189F486 5,999 238,111 SH   SOLE   238,111 0 0
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 3,986 35,458 SH   SOLE   35,458 0 0
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 20,336 244,808 SH   SOLE   244,808 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,350 49,777 SH   SOLE   49,777 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 643 3,453 SH   SOLE   3,453 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 232 1,780 SH   SOLE   1,780 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 562 3,365 SH   SOLE   3,365 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 277 1,771 SH   SOLE   1,771 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 3,128 29,715 SH   SOLE   29,715 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 707 9,405 SH   SOLE   9,405 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,039 71,466 SH   SOLE   71,466 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 247 4,495 SH   SOLE   4,495 0 0
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 3,915 29,230 SH   SOLE   29,230 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 21,767 521,860 SH   SOLE   521,860 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,706 20,061 SH   SOLE   20,061 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 202 3,529 SH   SOLE   3,529 0 0
VISA INC COM CL A 92826C839 203 1,168 SH   SOLE   1,168 0 0
VORNADO RLTY TR SH BEN INT 929042109 509 7,940 SH   SOLE   7,940 0 0
WELLS FARGO CO NEW COM 949746101 529 11,186 SH   SOLE   11,186 0 0
YUM BRANDS INC COM 988498101 268 2,420 SH   SOLE   2,420 0 0