Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	361,403	$74.7M	24.6%	$106.55	—	ETF	922908769
BSV	Vanguard ST Bond Idx ETF	623,062	$51.21M	16.8%	$80.90	—	ETF	921937827
BIV	Vanguard Interm Bond Index ETF	239,296	$21.23M	7.0%	$85.48	—	ETF	921937819
IWV	Russell 3000	63,534	$15.07M	5.0%	$121.23	—	ETF	464287689
SPY	SPDR Trust (S&P 500)	36,112	$14.31M	4.7%	$205.55	—	ETF	78462F103
ESGV	Vanguard ESG U.S. Stock ETF	153,239	$11.3M	3.7%	$52.07	—	ETF	921910733
IWM	Russell 2000/Small Blend	36,339	$8.029M	2.6%	$119.62	—	ETF	464287655
VUG	Vanguard Growth	30,170	$7.755M	2.6%	$200.86	—	ETF	922908736
SHW	Sherwin Williams Co	7,550	$5.572M	1.8%	$226.70	+0.6%	COM	824348106
VTV	Vanguard Value	41,713	$5.484M	1.8%	$85.70	—	ETF	922908744
VSGX	Vanguard ESG Int'l ETF	82,885	$5.087M	1.7%	$49.41	—	ETF	921910725
MDY	Mid Cap S P D R TRUST	10,474	$4.986M	1.6%	$326.33	—	ETF	78467Y107
IWD	Russell 1000/ Lrg. Value	26,853	$4.07M	1.3%	$105.14	—	ETF	464287598
VNQ	Vanguard Reit	38,606	$3.546M	1.2%	$81.42	—	ETF	922908553
IWF	Russell 1000/ Lrg. Growth	13,861	$3.369M	1.1%	$96.32	—	ETF	464287614
TIP	BGI i Shares/TIPS	25,944	$3.256M	1.1%	$122.45	—	ETF	464287176
VTHR	Vanguard Russell 3000 ETF	17,206	$3.181M	1.0%	$117.70	—	ETF	92206C599
IVW	iShares S&P 500 Growth	47,171	$3.071M	1.0%	$76.19	—	ETF	464287309
BND	Vanguard Total Bond	32,826	$2.781M	0.9%	$86.15	—	ETF	921937835
AAPL	Apple Computer Inc	21,972	$2.684M	0.9%	$95.37	+31.1%	COM	037833100
—	Heartland Finl Usa	47,808	$2.403M	0.8%	$43.31	—	COM	42234Q102
VTIP	Vanguard Shrt Inf Prot	40,792	$2.102M	0.7%	$51.39	—	ETF	922020805
SO	The Southern Company	33,365	$2.074M	0.7%	$48.82	+2.1%	COM	842587107
AGG	iShares Aggregate Bond Fd	17,666	$2.011M	0.7%	$110.18	—	ETF	464287226
SCHB	Schw US Brd Mkt Etf	20,318	$1.965M	0.6%	$58.59	—	ETF	808524102
IVV	iShares S&P 500 Index	4,741	$1.886M	0.6%	$227.42	—	ETF	464287200
EEM	iShares MSCI Emrg Mkt	33,302	$1.776M	0.6%	$42.05	—	ETF	464287234
PG	Procter & Gamble Co	10,562	$1.43M	0.5%	$121.00	-4.4%	COM	742718109
SCHR	SCHWAB STRATEGIC TR INTRM TRM	24,550	$1.385M	0.5%	$56.40	—	ETF	808524854
IWB	iShares Russell 1000	5,236	$1.172M	0.4%	$114.63	—	ETF	464287622
BRK/A	Berkshire Hathaway A	3	$1.157M	0.4%	$330761.80	+10.9%	COM	084670108
VONV	Vanguard Russell 1000	8,555	$1.137M	0.4%	$87.06	—	ETF	92206C714
IVE	iShares S&P 500 Value	7,953	$1.123M	0.4%	$95.92	—	ETF	464287408
KO	Coca Cola Company	20,159	$1.063M	0.3%	$42.83	+1.3%	COM	191216100
SCHO	SCHWAB STRATEGIC TR SHT TM US	20,185	$1.036M	0.3%	$50.92	—	ETF	808524862
JNJ	Johnson & Johnson	5,752	$945K	0.3%	$137.18	+2.6%	COM	478160104
EFA	iShares MSCI/EAFE Index	12,349	$937K	0.3%	$60.96	—	ETF	464287465
SHY	iShares Tr Barclays Bond	10,836	$935K	0.3%	$84.45	—	ETF	464287457
AMZN	Amazon Com Inc	300	$928K	0.3%	$136.24	+16.3%	COM	023135106
ABT	Abbott Laboratories	7,589	$909K	0.3%	$101.73	+6.8%	COM	002824100
DIS	Disney Company	4,691	$866K	0.3%	$133.81	+34.7%	COM	254687106
QQQ	Invesco QQQ Trust	2,587	$826K	0.3%	$196.17	—	ETF	46090E103
VGIT	Vanguard Intmdt-Term Trs ETF	12,000	$807K	0.3%	$69.42	—	ETF	92206C706
VXUS	Vanguard Total Intl Etf	12,844	$805K	0.3%	$55.27	—	ETF	921909768
ABBV	Abbvie Inc	7,139	$773K	0.3%	$84.03	+5.8%	COM	00287Y109
MA	Mastercard Inc	2,150	$766K	0.3%	$323.35	+5.0%	COM	57636Q104
NOC	Northrop Grumman Corp	2,087	$675K	0.2%	$114.24	+143.5%	COM	666807102
NVO	Novo-Nordisk A-S	10,000	$674K	0.2%	$69.90	—	COM	670100205
IWN	Russell 2000/ Small Value	3,972	$633K	0.2%	$105.17	—	ETF	464287630
VWO	Vanguard Emerging Market	11,983	$624K	0.2%	$39.54	—	ETF	922042858
XOM	Exxon Mobil Corporation	11,083	$619K	0.2%	$36.11	+19.9%	COM	30231G102
VOO	Vanguard S&P 500 Etf	1,662	$605K	0.2%	$279.18	—	ETF	922908363
AROW	Arrow Financial Corp	17,839	$594K	0.2%	$22.88	+11.7%	COM	042744102
VBR	Vanguard Small Cap Value	3,371	$558K	0.2%	$115.32	—	ETF	922908611
IJS	iShares S&P Sm Cap Value	5,531	$557K	0.2%	$97.44	—	ETF	464287879
NKE	Nike Inc Class B	4,088	$543K	0.2%	$54.31	+138.6%	COM	654106103
BA	Boeing Co	2,064	$526K	0.2%	$192.22	+15.6%	COM	097023105
LLY	Lilly Eli & Company	2,715	$507K	0.2%	$88.16	+111.1%	COM	532457108
VZ	Verizon Communications	8,701	$506K	0.2%	$42.69	-1.0%	COM	92343V104
HON	Honeywell International	2,311	$502K	0.2%	$163.73	+7.9%	COM	438516106
MSFT	Microsoft Corp	2,119	$500K	0.2%	$86.82	+156.7%	COM	594918104
WY	Weyerhaeuser Co	13,549	$482K	0.2%	$27.88	0.0%	COM	962166104
INTC	Intel Corp	7,504	$480K	0.2%	$50.17	+7.8%	COM	458140100
ENB	Enbridge Inc	12,049	$439K	0.1%	$21.70	+17.8%	COM	29250N105
ACN	Accenture Plc Cl A	1,578	$436K	0.1%	$212.28	+13.7%	COM	G1151C101
META	Facebook Inc Class A	1,479	$436K	0.1%	$157.45	+69.8%	COM	30303M102
ICF	iShares C&S Real Estate	7,054	$408K	0.1%	$76.75	—	ETF	464287564
V	Visa Inc Cl A	1,792	$379K	0.1%	$151.03	+34.5%	COM	92826C839
CMCSA	Comcast Corp New Cl A	6,755	$366K	0.1%	$29.30	+57.5%	COM	20030N101
BNDX	Vanguard Total Internatl	6,366	$364K	0.1%	$57.63	—	ETF	92203J407
DUK	Duke Energy Corporation	3,615	$349K	0.1%	$75.67	-0.3%	COM	26441C204
BRK/B	Berkshire Hathaway B New	1,364	$348K	0.1%	$152.99	+58.7%	COM	084670702
CSX	C S X Corp	3,600	$347K	0.1%	$28.57	0.0%	COM	126408103
ECL	Ecolab Inc	1,600	$343K	0.1%	$197.47	+2.1%	COM	278865100
GPN	Global Payments Inc	1,636	$330K	0.1%	$165.98	+14.9%	COM	37940X102
DTE	DTE Energy Company	2,446	$326K	0.1%	$72.00	+24.0%	COM	233331107
JPM	JPMorgan Chase & Co.	2,110	$321K	0.1%	$82.27	+54.7%	COM	46625H100
MCD	Mc Donalds Corp	1,425	$319K	0.1%	$193.25	-1.0%	COM	580135101
DE	Deere & Co	818	$306K	0.1%	$232.12	+32.5%	COM	244199105
SCHE	Schw Emg Mkt Eq Etf	9,367	$298K	0.1%	$27.52	—	ETF	808524706
ORCL	Oracle Corporation	4,250	$298K	0.1%	$46.07	+31.6%	COM	68389X105
PFE	Pfizer Incorporated	8,167	$296K	0.1%	$27.57	+1.7%	COM	717081103
—	Varian Medical Systems Inc	1,626	$287K	0.1%	$172.00	—	ETF	92220P105
DIA	SPDR Dow Jones Industrial Aver	859	$284K	0.1%	$258.44	—	ETF	78467X109
MMM	3M	1,461	$282K	0.1%	$117.52	+6.4%	COM	88579Y101
ZTS	Zoetis Inc	1,731	$273K	0.1%	$147.32	+3.0%	COM	98978V103
PEP	Pepsico Incorporated	1,842	$261K	0.1%	$110.78	+6.4%	COM	713448108
IBM	Int'l Business Mach	1,939	$258K	0.1%	$98.07	0.0%	COM	459200101
VGT	Vanguard Info Technology	700	$251K	0.1%	$311.43	—	ETF	92204A702
YUM	Yum! Brands Inc	2,177	$236K	0.1%	$84.84	+14.0%	COM	988498101
IWO	Russell 2000/ Small Growth	770	$232K	0.1%	$287.01	—	ETF	464287648
VIG	Vanguard Div Apprciation	1,561	$230K	0.1%	$128.76	—	ETF	921908844
NEE	Nextera Energy Inc	2,874	$217K	0.1%	$68.82	0.0%	COM	65339F101
VYM	Vanguard High Dividend ETF	2,130	$215K	0.1%	$100.94	—	ETF	921946406
RTX	Raytheon Technologies Ord	2,762	$213K	0.1%	$58.43	+11.7%	COM	75513E101
MDT	Medtronic Inc	1,734	$205K	0.1%	$95.08	+7.0%	COM	G5960L103
AEP	American Elec Pwr Inc	2,382	$202K	0.1%	$72.00	-6.3%	COM	025537101
—	General Electric Company	10,382	$136K	0.0%	$13.10	—	COM	369604103