Family Firm 13F-HR Quarterly holdings report by institutional manager

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

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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	351	1,843	SH		SOLE		1,843	0	0
ABBOTT LABS	COM	002824100	311	4,301	SH		SOLE		4,301	0	0
ABBVIE INC	COM	00287Y109	383	4,160	SH		SOLE		4,160	0	0
ABERDEEN ASIA PACIFIC INCOM	COM	003009107	1,137	293,855	SH		SOLE		293,855	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	265	1,877	SH		SOLE		1,877	0	0
ALPHABET INC	CAP STK CL C	02079K107	1,566	1,512	SH		SOLE		1,512	0	0
ALPHABET INC	CALL	02079K907	1,746	1,671	SH		SOLE		1,671	0	0
AMAZON COM INC	COM	023135106	236	157	SH		SOLE		157	0	0
AMGEN INC	COM	031162100	211	1,086	SH		SOLE		1,086	0	0
APPLE INC	COM	037833100	1,173	7,437	SH		SOLE		7,437	0	0
AT&T INC	COM	00206R102	230	8,060	SH		SOLE		8,060	0	0
BANK AMER CORP	COM	060505104	325	13,175	SH		SOLE		13,175	0	0
BECTON DICKINSON & CO	COM	075887109	332	1,471	SH		SOLE		1,471	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,051	5,145	SH		SOLE		5,145	0	0
BLACKROCK CORE BD TR	SHS BEN INT	09249E101	2,277	186,680	SH		SOLE		186,680	0	0
BOEING CO	COM	097023105	915	2,837	SH		SOLE		2,837	0	0
CABLE ONE INC	COM	12685J105	357	435	SH		SOLE		435	0	0
CHEVRON CORP NEW	COM	166764100	562	5,168	SH		SOLE		5,168	0	0
CIGNA CORP NEW	COM	125523100	287	1,512	SH		SOLE		1,512	0	0
CISCO SYS INC	COM	17275R102	354	8,180	SH		SOLE		8,180	0	0
CONOCOPHILLIPS	COM	20825C104	269	4,317	SH		SOLE		4,317	0	0
COSTCO WHSL CORP NEW	COM	22160K105	253	1,243	SH		SOLE		1,243	0	0
DISNEY WALT CO	COM DISNEY	254687106	414	3,778	SH		SOLE		3,778	0	0
EMERGENT BIOSOLUTIONS INC	COM	29089Q105	202	3,415	SH		SOLE		3,415	0	0
EXXON MOBIL CORP	COM	30231G102	809	11,869	SH		SOLE		11,869	0	0
FLAHERTY&CRMN PFD SEC INCOM	COM	338478100	1,728	103,299	SH		SOLE		103,299	0	0
FLEXSHARES TR	MORNSTAR UPSTR	33939L407	586	20,000	SH		SOLE		20,000	0	0
GRAHAM HLDGS CO	COM	384637104	279	435	SH		SOLE		435	0	0
HOME DEPOT INC	COM	437076102	478	2,782	SH		SOLE		2,782	0	0
HONEYWELL INTL INC	COM	438516106	300	2,269	SH		SOLE		2,269	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	287	2,527	SH		SOLE		2,527	0	0
ISHARES INC	MSCI AUST ETF	464286103	352	18,273	SH		SOLE		18,273	0	0
ISHARES INC	MSCI BRAZIL ETF	464286400	485	12,687	SH		SOLE		12,687	0	0
ISHARES INC	MSCI CDA ETF	464286509	1,029	42,931	SH		SOLE		42,931	0	0
ISHARES INC	MSCI PAC JP ETF	464286665	380	9,343	SH		SOLE		9,343	0	0
ISHARES INC	MSCI GBL ETF NEW	46434G848	478	17,711	SH		SOLE		17,711	0	0
ISHARES TR	TIPS BD ETF	464287176	9,126	83,332	SH		SOLE		83,332	0	0
ISHARES TR	CORE S&P500 ETF	464287200	8,501	33,788	SH		SOLE		33,788	0	0
ISHARES TR	CORE US AGGBD ET	464287226	7,085	66,528	SH		SOLE		66,528	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,309	33,518	SH		SOLE		33,518	0	0
ISHARES TR	GBL COMM SVC ETF	464287275	283	5,639	SH		SOLE		5,639	0	0
ISHARES TR	S&P 500 GRWT ETF	464287309	2,311	15,341	SH		SOLE		15,341	0	0
ISHARES TR	GLOB HLTHCRE ETF	464287325	735	12,975	SH		SOLE		12,975	0	0
ISHARES TR	GLOBAL FINLS ETF	464287333	384	6,751	SH		SOLE		6,751	0	0
ISHARES TR	GLOBAL ENERG ETF	464287341	3,240	110,403	SH		SOLE		110,403	0	0
ISHARES TR	NORTH AMERN NAT	464287374	7,330	269,689	SH		SOLE		269,689	0	0
ISHARES TR	JPX NIKKEI 400	464287382	395	7,258	SH		SOLE		7,258	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	1,078	10,658	SH		SOLE		10,658	0	0
ISHARES TR	20 YR TR BD ETF	464287432	991	8,153	SH		SOLE		8,153	0	0
ISHARES TR	BARCLAYS 7 10 YR	464287440	1,989	19,086	SH		SOLE		19,086	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	1,468	17,550	SH		SOLE		17,550	0	0
ISHARES TR	MSCI EAFE ETF	464287465	3,473	59,084	SH		SOLE		59,084	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	1,619	9,750	SH		SOLE		9,750	0	0
ISHARES TR	EXPND TEC SC ETF	464287549	576	3,355	SH		SOLE		3,355	0	0
ISHARES TR	NASDAQ BIOTECH	464287556	723	7,499	SH		SOLE		7,499	0	0
ISHARES TR	COHEN STEER REIT	464287564	1,976	20,652	SH		SOLE		20,652	0	0
ISHARES TR	S&P MC 400GR ETF	464287606	1,295	6,773	SH		SOLE		6,773	0	0
ISHARES TR	RUS 1000 ETF	464287622	3,142	22,958	SH		SOLE		22,958	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	721	5,388	SH		SOLE		5,388	0	0
ISHARES TR	CORE S&P US VLU	464287663	37,581	255,790	SH		SOLE		255,790	0	0
ISHARES TR	CORE S&P US GWT	464287671	752	14,260	SH		SOLE		14,260	0	0
ISHARES TR	U.S. UTILITS ETF	464287697	1,861	13,869	SH		SOLE		13,869	0	0
ISHARES TR	S&P MC 400VL ETF	464287705	1,435	10,375	SH		SOLE		10,375	0	0
ISHARES TR	US TELECOM ETF	464287713	711	27,001	SH		SOLE		27,001	0	0
ISHARES TR	U.S. FIN SVC ETF	464287770	1,130	10,062	SH		SOLE		10,062	0	0
ISHARES TR	U.S. ENERGY ETF	464287796	303	9,727	SH		SOLE		9,727	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	1,774	25,589	SH		SOLE		25,589	0	0
ISHARES TR	U.S. CNSM GD ETF	464287812	489	4,593	SH		SOLE		4,593	0	0
ISHARES TR	EUROPE ETF	464287861	2,511	64,187	SH		SOLE		64,187	0	0
ISHARES TR	SP SMCP600VL ETF	464287879	3,561	27,009	SH		SOLE		27,009	0	0
ISHARES TR	S&P SML 600 GWT	464287887	1,115	6,909	SH		SOLE		6,909	0	0
ISHARES TR	INTL TREA BD ETF	464288117	4,602	94,941	SH		SOLE		94,941	0	0
ISHARES TR	3YRTB ETF	464288125	860	10,778	SH		SOLE		10,778	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	417	3,955	SH		SOLE		3,955	0	0
ISHARES TR	EAFE SML CP ETF	464288273	1,023	19,735	SH		SOLE		19,735	0	0
ISHARES TR	INTL DEV RE ETF	464288489	1,767	65,372	SH		SOLE		65,372	0	0
ISHARES TR	GLOB UTILITS ETF	464288711	211	4,298	SH		SOLE		4,298	0	0
ISHARES TR	US HOME CONS ETF	464288752	439	14,614	SH		SOLE		14,614	0	0
ISHARES TR	US REGNL BKS ETF	464288778	225	5,657	SH		SOLE		5,657	0	0
ISHARES TR	U.S. PHARMA ETF	464288836	274	1,947	SH		SOLE		1,947	0	0
ISHARES TR	US OIL EQ&SV ETF	464288844	404	19,781	SH		SOLE		19,781	0	0
ISHARES TR	EAFE VALUE ETF	464288877	316	6,985	SH		SOLE		6,985	0	0
ISHARES TR	MSCI INDONIA ETF	46429B309	223	8,984	SH		SOLE		8,984	0	0
ISHARES TR	IBONDS SEP19 ETF	46429B564	298	11,735	SH		SOLE		11,735	0	0
ISHARES TR	0-5 YR TIPS ETF	46429B747	9,871	100,705	SH		SOLE		100,705	0	0
JOHNSON & JOHNSON	COM	478160104	723	5,603	SH		SOLE		5,603	0	0
JPMORGAN CHASE & CO	COM	46625H100	354	3,631	SH		SOLE		3,631	0	0
LOWES COS INC	COM	548661107	230	2,492	SH		SOLE		2,492	0	0
MARRIOTT INTL INC NEW	CL A	571903202	283	2,609	SH		SOLE		2,609	0	0
MERCK & CO INC	COM	58933Y105	1,080	14,137	SH		SOLE		14,137	0	0
MICROSOFT CORP	COM	594918104	419	4,125	SH		SOLE		4,125	0	0
MIDDLESEX WATER CO	COM	596680108	373	7,000	SH		SOLE		7,000	0	0
NEOGEN CORP	COM	640491106	276	4,849	SH		SOLE		4,849	0	0
NVIDIA CORP	COM	67066G104	251	1,882	SH		SOLE		1,882	0	0
PEPSICO INC	COM	713448108	412	3,731	SH		SOLE		3,731	0	0
PFIZER INC	COM	717081103	272	6,228	SH		SOLE		6,228	0	0
PNC FINL SVCS GROUP INC	COM	693475105	242	2,073	SH		SOLE		2,073	0	0
PROCTER AND GAMBLE CO	COM	742718109	253	2,755	SH		SOLE		2,755	0	0
RAYTHEON CO	COM NEW	755111507	206	1,345	SH		SOLE		1,345	0	0
ROYCE MICRO-CAP TR INC	COM	780915104	1,717	231,437	SH		SOLE		231,437	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	6,523	108,399	SH		SOLE		108,399	0	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	234	8,242	SH		SOLE		8,242	0	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	443	5,123	SH		SOLE		5,123	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	369	7,273	SH		SOLE		7,273	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	546	5,516	SH		SOLE		5,516	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	312	5,444	SH		SOLE		5,444	0	0
SELECT SECTOR SPDR TR	SBI INT-FINL	81369Y605	363	15,237	SH		SOLE		15,237	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	295	4,580	SH		SOLE		4,580	0	0
SPDR SERIES TRUST	FTSE INT GVT ETF	78464A490	4,472	85,957	SH		SOLE		85,957	0	0
SPDR SERIES TRUST	S&P METALS MNG	78464A755	753	28,755	SH		SOLE		28,755	0	0
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	4,208	88,835	SH		SOLE		88,835	0	0
TEMPLETON EMERGING MKTS FD I	COM	880191101	1,384	104,880	SH		SOLE		104,880	0	0
TEMPLETON GLOBAL INCOME FD	COM	880198106	2,033	337,141	SH		SOLE		337,141	0	0
UNION PAC CORP	COM	907818108	567	4,105	SH		SOLE		4,105	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	220	885	SH		SOLE		885	0	0
VANECK VECTORS ETF TR	INVT GRADE FLTG	92189F486	5,819	235,681	SH		SOLE		235,681	0	0
VANGUARD ADMIRAL FDS INC	500 VAL IDX FD	921932703	3,646	37,373	SH		SOLE		37,373	0	0
VANGUARD BD INDEX FD INC	TOTAL BND MRKT	921937835	18,502	233,584	SH		SOLE		233,584	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,764	50,474	SH		SOLE		50,474	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	475	3,152	SH		SOLE		3,152	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	405	2,928	SH		SOLE		2,928	0	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	2,666	28,162	SH		SOLE		28,162	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	588	8,979	SH		SOLE		8,979	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,664	69,912	SH		SOLE		69,912	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	214	4,393	SH		SOLE		4,393	0	0
VANGUARD SCOTTSDALE FDS	VNG RUS3000IDX	92206C599	3,265	28,655	SH		SOLE		28,655	0	0
VANGUARD TAX MANAGED INTL FD	FTSE DEV MKT ETF	921943858	19,263	519,227	SH		SOLE		519,227	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,605	20,808	SH		SOLE		20,808	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	213	1,810	SH		SOLE		1,810	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	232	4,125	SH		SOLE		4,125	0	0
WELLS FARGO CO NEW	COM	949746101	514	11,153	SH		SOLE		11,153	0	0
YUM BRANDS INC	COM	988498101	222	2,419	SH		SOLE		2,419	0	0