Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	359,466	$69.97M	25.0%	$106.55	—	ETF	922908769
BSV	Vanguard ST Bond Idx ETF	533,242	$44.21M	15.8%	$80.69	—	ETF	921937827
BIV	Vanguard Interm Bond Index ETF	217,632	$20.21M	7.2%	$85.15	—	ETF	921937819
IWV	Russell 3000	64,471	$14.41M	5.2%	$121.23	—	ETF	464287689
SPY	SPDR Trust (S&P 500)	37,162	$13.89M	5.0%	$205.55	—	ETF	78462F103
ESGV	Vanguard ESG U.S. Stock ETF	155,607	$10.92M	3.9%	$52.07	—	ETF	921910733
VUG	Vanguard Growth	30,408	$7.703M	2.8%	$200.86	—	ETF	922908736
IWM	Russell 2000/Small Blend	38,984	$7.643M	2.7%	$119.62	—	ETF	464287655
SHW	Sherwin Williams Co	7,550	$5.549M	2.0%	$226.70	0.0%	COM	824348106
VTV	Vanguard Value	45,866	$5.456M	2.0%	$85.70	—	ETF	922908744
VSGX	Vanguard ESG Int'l ETF	88,738	$5.26M	1.9%	$49.41	—	ETF	921910725
MDY	Mid Cap S P D R TRUST	11,714	$4.919M	1.8%	$326.33	—	ETF	78467Y107
IWD	Russell 1000/ Lrg. Value	28,117	$3.844M	1.4%	$105.14	—	ETF	464287598
IWF	Russell 1000/ Lrg. Growth	14,370	$3.465M	1.2%	$96.32	—	ETF	464287614
VNQ	Vanguard Reit	39,228	$3.332M	1.2%	$81.42	—	ETF	922908553
IVW	iShares S&P 500 Growth	50,818	$3.243M	1.2%	$76.19	—	ETF	464287309
VTHR	Vanguard Russell 3000 ETF	17,394	$3.028M	1.1%	$117.70	—	ETF	92206C599
AAPL	Apple Computer Inc	22,269	$2.955M	1.1%	$95.37	+22.7%	COM	037833100
BND	Vanguard Total Bond	27,149	$2.394M	0.9%	$86.45	—	ETF	921937835
SO	The Southern Company	36,834	$2.263M	0.8%	$48.82	+1.4%	COM	842587107
AGG	iShares Aggregate Bond Fd	17,444	$2.062M	0.7%	$110.13	—	ETF	464287226
—	Heartland Finl Usa	47,808	$1.93M	0.7%	$43.31	—	COM	42234Q102
SCHB	Schw US Brd Mkt Etf	20,915	$1.903M	0.7%	$58.59	—	ETF	808524102
TIP	BGI i Shares/TIPS	14,804	$1.89M	0.7%	$120.15	—	ETF	464287176
IVV	iShares S&P 500 Index	4,741	$1.78M	0.6%	$227.42	—	ETF	464287200
EEM	iShares MSCI Emrg Mkt	34,022	$1.758M	0.6%	$42.05	—	ETF	464287234
AMZN	Amazon Com Inc	358	$1.166M	0.4%	$136.24	+17.1%	COM	023135106
SCHR	SCHWAB STRATEGIC TR INTRM TRM	19,550	$1.138M	0.4%	$56.40	—	ETF	808524854
IWB	iShares Russell 1000	5,315	$1.126M	0.4%	$114.63	—	ETF	464287622
VONV	Vanguard Russell 1000	9,248	$1.108M	0.4%	$87.06	—	ETF	92206C714
PG	Procter & Gamble Co	7,509	$1.045M	0.4%	$123.16	0.0%	COM	742718109
BRK/A	Berkshire Hathaway A	3	$1.043M	0.4%	$330761.80	0.0%	COM	084670108
SCHO	SCHWAB STRATEGIC TR SHT TM US	20,185	$1.037M	0.4%	$50.92	—	ETF	808524862
IVE	iShares S&P 500 Value	7,953	$1.018M	0.4%	$95.92	—	ETF	464287408
EFA	iShares MSCI/EAFE Index	12,967	$946K	0.3%	$60.96	—	ETF	464287465
SHY	iShares Tr Barclays Bond	10,836	$936K	0.3%	$84.45	—	ETF	464287457
VGIT	Vanguard Intmdt-Term Trs ETF	12,000	$833K	0.3%	$69.42	—	ETF	92206C706
DIS	Disney Company	4,382	$794K	0.3%	$130.54	+7.4%	COM	254687106
MA	Mastercard Inc	2,150	$767K	0.3%	$323.35	0.0%	COM	57636Q104
QQQ	Invesco QQQ Trust	2,384	$748K	0.3%	$185.68	—	ETF	46090E103
NVO	Novo-Nordisk A-S	10,000	$699K	0.3%	$69.90	—	COM	670100205
NOC	Northrop Grumman Corp	2,087	$636K	0.2%	$114.24	+145.9%	COM	666807102
IWN	Russell 2000/ Small Value	4,500	$593K	0.2%	$105.17	—	ETF	464287630
VWO	Vanguard Emerging Market	11,767	$590K	0.2%	$39.31	—	ETF	922042858
NKE	Nike Inc Class B	4,088	$578K	0.2%	$54.31	+126.9%	COM	654106103
VTIP	Vanguard Shrt Inf Prot	11,219	$573K	0.2%	$51.03	—	ETF	922020805
VOO	Vanguard S&P 500 Etf	1,662	$571K	0.2%	$279.18	—	ETF	922908363
AROW	Arrow Financial Corp	17,839	$534K	0.2%	$22.88	0.0%	COM	042744102
MSFT	Microsoft Corp	2,350	$523K	0.2%	$86.82	+137.3%	COM	594918104
LLY	Lilly Eli & Company	3,082	$520K	0.2%	$88.16	+60.4%	COM	532457108
HON	Honeywell International	2,311	$492K	0.2%	$163.73	0.0%	COM	438516106
ACN	Accenture Plc Cl A	1,834	$479K	0.2%	$212.28	+5.1%	COM	G1151C101
VBR	Vanguard Small Cap Value	3,367	$479K	0.2%	$115.32	—	ETF	922908611
BA	Boeing Co	2,149	$460K	0.2%	$192.22	0.0%	COM	097023105
IJS	iShares S&P Sm Cap Value	5,614	$456K	0.2%	$97.44	—	ETF	464287879
GPN	Global Payments Inc	2,100	$452K	0.2%	$165.98	+7.5%	COM	37940X102
VXUS	Vanguard Total Intl Etf	7,112	$428K	0.2%	$49.30	—	ETF	921909768
VZ	Verizon Communications	7,229	$425K	0.2%	$42.78	+2.8%	COM	92343V104
META	Facebook Inc Class A	1,459	$399K	0.1%	$155.95	+74.6%	COM	30303M102
V	Visa Inc Cl A	1,792	$392K	0.1%	$151.03	+30.6%	COM	92826C839
ENB	Enbridge Inc	12,049	$385K	0.1%	$21.70	0.0%	COM	29250N105
ICF	iShares C&S Real Estate	7,054	$380K	0.1%	$76.75	—	ETF	464287564
INTC	Intel Corp	7,603	$379K	0.1%	$50.17	-12.2%	COM	458140100
CMCSA	Comcast Corp New Cl A	7,085	$371K	0.1%	$29.30	+42.2%	COM	20030N101
ZTS	Zoetis Inc	2,165	$358K	0.1%	$147.32	+5.5%	COM	98978V103
YUM	Yum! Brands Inc	3,269	$355K	0.1%	$84.84	+9.3%	COM	988498101
ABT	Abbott Laboratories	3,216	$352K	0.1%	$92.34	+7.5%	COM	002824100
—	Varian Medical Systems Inc	2,000	$350K	0.1%	$172.00	—	ETF	92220P105
BRK/B	Berkshire Hathaway B New	1,494	$346K	0.1%	$152.99	+43.9%	COM	084670702
ECL	Ecolab Inc	1,600	$346K	0.1%	$197.47	0.0%	COM	278865100
BNDX	Vanguard Total Internatl	5,726	$335K	0.1%	$57.68	—	ETF	92203J407
DUK	Duke Energy Corporation	3,434	$314K	0.1%	$75.68	0.0%	COM	26441C204
MCD	Mc Donalds Corp	1,460	$313K	0.1%	$193.25	0.0%	COM	580135101
DTE	DTE Energy Company	2,546	$309K	0.1%	$72.00	+23.2%	COM	233331107
ABBV	Abbvie Inc	2,766	$296K	0.1%	$76.31	+3.4%	COM	00287Y109
PEP	Pepsico Incorporated	1,989	$295K	0.1%	$110.78	+9.4%	COM	713448108
PFE	Pfizer Incorporated	7,954	$293K	0.1%	$27.56	+3.9%	COM	717081103
SCHE	Schw Emg Mkt Eq Etf	9,456	$290K	0.1%	$27.52	—	ETF	808524706
ORCL	Oracle Corporation	4,250	$275K	0.1%	$46.07	+20.5%	COM	68389X105
JPM	JPMorgan Chase & Co.	2,160	$274K	0.1%	$82.27	+19.3%	COM	46625H100
MMM	3M	1,511	$264K	0.1%	$117.52	0.0%	COM	88579Y101
DIA	SPDR Dow Jones Industrial Aver	859	$263K	0.1%	$258.44	—	ETF	78467X109
KO	Coca Cola Company	4,739	$260K	0.1%	$41.02	+7.9%	COM	191216100
XOM	Exxon Mobil Corporation	6,161	$254K	0.1%	$30.36	0.0%	COM	30231G102
VGT	Vanguard Info Technology	700	$248K	0.1%	$311.43	—	ETF	92204A702
JNJ	Johnson & Johnson	1,506	$237K	0.1%	$127.01	+0.4%	COM	478160104
IWO	Russell 2000/ Small Growth	770	$221K	0.1%	$287.01	—	ETF	464287648
VIG	Vanguard Div Apprciation	1,561	$220K	0.1%	$128.76	—	ETF	921908844
DE	Deere & Co	818	$220K	0.1%	$232.12	0.0%	COM	244199105
AEP	American Elec Pwr Inc	2,547	$212K	0.1%	$72.00	0.0%	COM	025537101
RTX	Raytheon Technologies Ord	2,940	$210K	0.1%	$58.43	0.0%	COM	75513E101
RKT	Rocket Cos Inc-Class A	10,200	$206K	0.1%	$19.56	-9.3%	COM	77311W101
MDT	Medtronic Inc	1,734	$203K	0.1%	$95.08	0.0%	COM	G5960L103