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| | | 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 |
AMGEN INC | COM | 031162100 | 1,686 | 8,133 | SH | | SOLE | | 0 | 0 | 8,133 |
ANTHEM INC COM | COM | 036752103 | 403 | 1,472 | SH | | SOLE | | 0 | 0 | 1,472 |
APPLE INC | COM | 037833100 | 4,719 | 20,903 | SH | | SOLE | | 0 | 0 | 20,903 |
ARES CAPITAL CORP COM STK USD0.001 | COM | 04010L103 | 215 | 12,500 | SH | | SOLE | | 0 | 0 | 12,500 |
AT&T INC COM USD1 | COM | 00206R102 | 364 | 10,842 | SH | | SOLE | | 0 | 0 | 10,842 |
BANCO SANTANDER SA ADR EACH 1 REPR 1 ORD EUR0.50 | ADR | 05964H105 | 752 | 150,489 | SH | | SOLE | | 0 | 0 | 150,489 |
BANK NEW YORK MELLON CORP | COM | 064058100 | 532 | 10,441 | SH | | SOLE | | 0 | 0 | 10,441 |
BANK OF AMERICA CORP | COM | 060505104 | 2,369 | 80,403 | SH | | SOLE | | 0 | 0 | 80,403 |
BANK AMER CORP | 7.25%CNV PFD L | 060505682 | 3,333 | 2,575 | SH | | SOLE | | 0 | 0 | 2,575 |
BOEING CO | COM | 097023105 | 657 | 1,768 | SH | | SOLE | | 0 | 0 | 1,768 |
CISCO SYS INC COM | COM | 17275R102 | 2,235 | 45,949 | SH | | SOLE | | 0 | 0 | 45,949 |
CITIGROUP INC COM NEW | COM NEW | 172967424 | 754 | 10,517 | SH | | SOLE | | 0 | 0 | 10,517 |
CORMEDIX INC COM | COM | 21900C100 | 26 | 26,900 | SH | | SOLE | | 0 | 0 | 26,900 |
ENERGY TRANSFER PARTNERS LP UNIT LTD PRT INT | UNIT LTD PRT INT | 29278N103 | 660 | 29,656 | SH | | SOLE | | 0 | 0 | 29,656 |
EXPRESS SCRIPTS HLDG CO COM | COM | 30219G108 | 1,473 | 15,507 | SH | | SOLE | | 0 | 0 | 15,507 |
EXXON MOBIL CORP | COM | 30231G102 | 1,285 | 15,111 | SH | | SOLE | | 0 | 0 | 15,111 |
FIRST TR EXCHANGE TRADED FD III FIRST TR PFD SECS & INCOME ETF | PFD SECS INC ETF | 33739E108 | 558 | 29,203 | SH | | SOLE | | 0 | 0 | 29,203 |
GENERAL DYNAMICS CRP | COM | 369550108 | 1,624 | 7,935 | SH | | SOLE | | 0 | 0 | 7,935 |
GENERAL MTRS CO COM | COM | 37045V100 | 1,448 | 43,007 | SH | | SOLE | | 0 | 0 | 43,007 |
GILEAD SCIENCES INC | COM | 375558103 | 1,397 | 18,098 | SH | | SOLE | | 0 | 0 | 18,098 |
GOLDMAN SACHS GROUP INC | COM | 38141G104 | 346 | 1,542 | SH | | SOLE | | 0 | 0 | 1,542 |
HANCOCK JOHN FINL OPPTYS FD SH BEN INT NEW | SH BEN INT NEW | 409735206 | 260 | 7,014 | SH | | SOLE | | 0 | 0 | 7,014 |
HP INC COM | COM | 40434L105 | 1,772 | 68,751 | SH | | SOLE | | 0 | 0 | 68,751 |
HUMANA INC | COM | 444859102 | 1,045 | 3,088 | SH | | SOLE | | 0 | 0 | 3,088 |
INTL BUSINESS MACH | COM | 459200101 | 410 | 2,713 | SH | | SOLE | | 0 | 0 | 2,713 |
ISHARES CORE 1-5 YEAR USD BOND ETF | CORE 1 5 YR USD | 46432F859 | 1,683 | 34,351 | SH | | SOLE | | 0 | 0 | 34,351 |
ISHARES CORE S&P SMALL-CAP E | CORE S&P SCP ETF | 464287804 | 7,303 | 83,710 | SH | | SOLE | | 0 | 0 | 83,710 |
ISHARES CORE U.S. AGGREGATE BOND ETF | CORE US AGGBD ET | 464287226 | 2,118 | 71,449 | SH | | SOLE | | 0 | 0 | 71,449 |
ISHARES IBOXX INVESTMENT GRADE CORPORATE BOND ETF | IBOXX INV CP ETF | 464287242 | 6,800 | 59,164 | SH | | SOLE | | 0 | 0 | 59,164 |
ISHARES INC CORE MSCI EMERGING MKTS ETF | CORE MSCI EMKT | 46434G103 | 850 | 16,041 | SH | | SOLE | | 0 | 0 | 16,041 |
ISHARES MSCI EAFE ETF | MSCI EAFE ETF | 464287465 | 255 | 9,236 | SH | | SOLE | | 0 | 0 | 9,236 |
ISHARES NATIONAL MUNI BOND ETF | NATIONAL MUN ETF | 464288414 | 512 | 4,743 | SH | | SOLE | | 0 | 0 | 4,743 |
ISHARES S&P 500 GROWTH ETF | S&P 500 GRWT ETF | 464287309 | 378 | 10,584 | SH | | SOLE | | 0 | 0 | 10,584 |
ISHARES S&P 500 VALUE ETF | S&P 500 VAL ETF | 464287408 | 1,617 | 28,453 | SH | | SOLE | | 0 | 0 | 28,453 |
ISHARES S&P MID CAP 400 GROWTH ETF | S&P MC 400GR ETF | 464287606 | 237 | 22,371 | SH | | SOLE | | 0 | 0 | 22,371 |
ISHARES S&P MIDCAP 400 VALUE ETF | S&P MC 400VL ETF | 464287705 | 312 | 14,646 | SH | | SOLE | | 0 | 0 | 14,646 |
ISHARES S&P SMALLCAP 600 VALUE ETF | SP SMCP600VL ETF | 464287879 | 867 | 15,388 | SH | | SOLE | | 0 | 0 | 15,388 |
ISHARES TR 3 7 YR TREAS BD | 3 7 YR TREAS BD | 464288661 | 322 | 2,703 | SH | | SOLE | | 0 | 0 | 2,703 |
ISHARES TR FLTG RATE NT ETF | FLTG RATE NT ETF | 46429B655 | 9,467 | 185,549 | SH | | SOLE | | 0 | 0 | 185,549 |
ISHARES TR MBS ETF | MBS ETF | 464288588 | 1,109 | 10,734 | SH | | SOLE | | 0 | 0 | 10,734 |
ISHARES TR S&P SMALL CAP 600 GROWTH ETF | S&P SML 600 GWT | 464287887 | 796 | 11,132 | SH | | SOLE | | 0 | 0 | 11,132 |
ISHARES TR USD INV GRDE ETF | USD INV GRDE ETF | 464288620 | 429 | 7,805 | SH | | SOLE | | 0 | 0 | 7,805 |
ISHARES TRUST CORE MSCI EAFE ETF | CORE MSCI EAFE | 46432F842 | 15,598 | 243,417 | SH | | SOLE | | 0 | 0 | 243,417 |
JOHNSON & JOHNSON | COM | 478160104 | 253 | 1,831 | SH | | SOLE | | 0 | 0 | 1,831 |
JPMORGAN CHASE & CO | COM | 46625H100 | 2,208 | 19,570 | SH | | SOLE | | 0 | 0 | 19,570 |
KEARNY FINL CORP MD COM | COM | 48716P108 | 648 | 46,782 | SH | | SOLE | | 0 | 0 | 46,782 |
KEYSIGHT TECHNOLOGIES INC COM | COM | 49338L103 | 1,296 | 19,549 | SH | | SOLE | | 0 | 0 | 19,549 |
L3 TECHNOLOGIES INC COM | COM | 502413107 | 524 | 2,465 | SH | | SOLE | | 0 | 0 | 2,465 |
LAZARD LTD SHS A | SHS A | G54050102 | 1,148 | 23,851 | SH | | SOLE | | 0 | 0 | 23,851 |
LEAR CORP NEW COM USD0.01 | COM NEW | 521865204 | 1,102 | 7,600 | SH | | SOLE | | 0 | 0 | 7,600 |
MERCK & CO INC NEW COM | COM | 58933Y105 | 483 | 6,806 | SH | | SOLE | | 0 | 0 | 6,806 |
MICROSOFT CORP | COM | 594918104 | 631 | 5,520 | SH | | SOLE | | 0 | 0 | 5,520 |
NUCOR CORP COM | COM | 670346105 | 1,032 | 16,266 | SH | | SOLE | | 0 | 0 | 16,266 |
PACCAR INC | COM | 693718108 | 1,541 | 22,598 | SH | | SOLE | | 0 | 0 | 22,598 |
PEPSICO INC | COM | 713448108 | 200 | 1,793 | SH | | SOLE | | 0 | 0 | 1,793 |
PFIZER INC | COM | 717081103 | 792 | 17,978 | SH | | SOLE | | 0 | 0 | 17,978 |
PILGRIMS PRIDE CORP NEW COM | COM | 72147K108 | 1,039 | 57,429 | SH | | SOLE | | 0 | 0 | 57,429 |
PIMCO ETF TR ACTIVE BD ETF | ACTIVE BD ETF | 72201R775 | 4,723 | 46,137 | SH | | SOLE | | 0 | 0 | 46,137 |
PROSHARES TR | SHRT 20+YR TRE | 74347X849 | 3,069 | 131,134 | SH | | SOLE | | 0 | 0 | 131,134 |
PULTEGROUP INC FORMERLY PULTE CORP TO 05/17/2001 | COM | 745867101 | 1,303 | 52,608 | SH | | SOLE | | 0 | 0 | 52,608 |
QUALCOMM INC | COM | 747525103 | 1,358 | 18,849 | SH | | SOLE | | 0 | 0 | 18,849 |
SPDR GOLD TR GOLD SHS | GOLD SHS | 78463V107 | 3,539 | 31,389 | SH | | SOLE | | 0 | 0 | 31,389 |
SPDR INDEX SHS FDS S&P EMERGING ASIA PAC ETF | ASIA PACIF ETF | 78463X301 | 2,176 | 22,471 | SH | | SOLE | | 0 | 0 | 22,471 |
STEWARDSHIP FINL CORP COM | COM | 860326107 | 1,087 | 102,578 | SH | | SOLE | | 0 | 0 | 102,578 |
SYMANTEC CORP | COM | 871503108 | 331 | 15,538 | SH | | SOLE | | 0 | 0 | 15,538 |
TARO PHARMACEUTICALS INDS LTD ORD | SHS | M8737E108 | 975 | 9,915 | SH | | SOLE | | 0 | 0 | 9,915 |
TEXTRON INC | COM | 883203101 | 726 | 10,153 | SH | | SOLE | | 0 | 0 | 10,153 |
VALERO ENERGY CORP | COM | 91913Y100 | 1,301 | 11,435 | SH | | SOLE | | 0 | 0 | 11,435 |
VALLEY NATL BANCORP | COM | 919794107 | 339 | 30,093 | SH | | SOLE | | 0 | 0 | 30,093 |
VANGUARD BD INDEX FD INC SHORT TERM BD ETF | SHORT TRM BOND | 921937827 | 3,858 | 49,445 | SH | | SOLE | | 0 | 0 | 49,445 |
VANGUARD SCOTTSDALE FDS VANGUARD SHORT-TERM CORPORATE BD INDEX FD ETF SHS | SHRT TRM CORP BD | 92206C409 | 5,238 | 67,020 | SH | | SOLE | | 0 | 0 | 67,020 |
WALMART INC COM | COM | 931142103 | 1,946 | 20,727 | SH | | SOLE | | 0 | 0 | 20,727 |
WELLS FARGO CO NEW COM | COM | 949746101 | 781 | 14,853 | SH | | SOLE | | 0 | 0 | 14,853 |
WELLS FARGO CO NEW | PERP PFD CNV A | 949746804 | 3,434 | 2,660 | SH | | SOLE | | 0 | 0 | 2,660 |
XEROX CORP COM NEW | COM NEW | 984121608 | 1,144 | 42,413 | SH | | SOLE | | 0 | 0 | 42,413 |
ZIOPHARM ONCOLOGY INC COM | COM | 98973P101 | 36 | 11,255 | SH | | SOLE | | 0 | 0 | 11,255 |