Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	392,927	$87.55M	33.0%	$115.88	—	ETF	922908769
—	Altair Engineering Inc.	227,789	$15.71M	5.9%	$68.97	—	COM	021369103
IWV	Russell 3000	60,279	$15.43M	5.8%	$121.23	—	ETF	464287689
SPY	SPDR Trust (S&P 500)	35,527	$15.21M	5.7%	$205.55	—	ETF	78462F103
ESGV	Vanguard ESG U.S. Stock ETF	153,248	$12.26M	4.6%	$52.07	—	ETF	921910733
VUG	Vanguard Growth	29,991	$8.602M	3.2%	$200.86	—	ETF	922908736
IWM	Russell 2000/Small Blend	35,611	$8.168M	3.1%	$119.62	—	ETF	464287655
VTV	Vanguard Value	41,166	$5.659M	2.1%	$85.70	—	ETF	922908744
VSGX	Vanguard ESG Int'l ETF	82,885	$5.317M	2.0%	$49.41	—	ETF	921910725
MDY	Mid Cap S P D R TRUST	10,240	$5.028M	1.9%	$326.33	—	ETF	78467Y107
IWD	Russell 1000/ Lrg. Value	26,377	$4.184M	1.6%	$105.14	—	ETF	464287598
DFAT	DFA U.S. Small Cap Value (TM)	93,209	$4.176M	1.6%	$44.80	—	ETF	25434V609
VNQ	Vanguard Reit	37,455	$3.813M	1.4%	$81.42	—	ETF	922908553
IWF	Russell 1000/ Lrg. Growth	13,485	$3.661M	1.4%	$96.32	—	ETF	464287614
VTHR	Vanguard Russell 3000 ETF	17,068	$3.398M	1.3%	$117.70	—	ETF	92206C599
AAPL	Apple Computer Inc	24,504	$3.356M	1.3%	$98.58	+28.3%	COM	037833100
IVW	iShares S&P 500 Growth	44,326	$3.224M	1.2%	$76.19	—	ETF	464287309
—	Heartland Finl Usa	47,808	$2.246M	0.8%	$43.31	—	COM	42234Q102
SCHB	Schw US Brd Mkt Etf	20,318	$2.119M	0.8%	$58.59	—	ETF	808524102
IVV	iShares S&P 500 Index	4,687	$2.015M	0.8%	$227.42	—	ETF	464287200
SO	The Southern Company	32,547	$1.969M	0.7%	$48.82	+10.1%	COM	842587107
EEM	iShares MSCI Emrg Mkt	33,302	$1.837M	0.7%	$42.05	—	ETF	464287234
—	Ihs Markit Ltd	16,200	$1.825M	0.7%	$112.65	—	COM	G47567105
DFAI	DFA Int'l Core Equity ETF	51,770	$1.513M	0.6%	$29.23	—	ETF	25434V203
FRME	First Merchants Corp	35,335	$1.472M	0.6%	$38.60	0.0%	COM	320817109
ABT	Abbott Laboratories	12,081	$1.401M	0.5%	$103.79	+3.4%	COM	002824100
MSFT	Microsoft Corp	4,864	$1.318M	0.5%	$175.94	+39.1%	COM	594918104
ABBV	Abbvie Inc	11,631	$1.31M	0.5%	$88.17	+7.5%	COM	00287Y109
JNJ	Johnson & Johnson	7,935	$1.307M	0.5%	$139.31	+4.0%	COM	478160104
IWB	iShares Russell 1000	5,202	$1.259M	0.5%	$114.63	—	ETF	464287622
BRK/A	Berkshire Hathaway A	3	$1.256M	0.5%	$330761.80	+27.1%	COM	084670108
VONV	Vanguard Russell 1000	17,110	$1.191M	0.4%	$78.33	—	ETF	92206C714
IVE	iShares S&P 500 Value	7,953	$1.174M	0.4%	$95.92	—	ETF	464287408
AMZN	Amazon Com Inc	326	$1.121M	0.4%	$138.63	+19.9%	COM	023135106
KO	Coca Cola Company	20,046	$1.085M	0.4%	$42.83	+10.4%	COM	191216100
XOM	Exxon Mobil Corporation	15,513	$979K	0.4%	$40.09	+24.8%	COM	30231G102
EFA	iShares MSCI/EAFE Index	12,349	$974K	0.4%	$60.96	—	ETF	464287465
PG	Procter & Gamble Co	6,759	$912K	0.3%	$121.00	-0.2%	COM	742718109
V	Visa Inc Cl A	3,792	$887K	0.3%	$187.93	+17.6%	COM	92826C839
DIS	Disney Company	4,952	$870K	0.3%	$136.02	+29.2%	COM	254687106
QQQ	Invesco QQQ Trust	2,439	$864K	0.3%	$196.17	—	ETF	46090E103
VXUS	Vanguard Total Intl Etf	13,036	$856K	0.3%	$55.42	—	ETF	921909768
NVO	Novo-Nordisk A-S	10,000	$838K	0.3%	$69.90	—	COM	670100205
VWO	Vanguard Emerging Market	14,401	$782K	0.3%	$42.02	—	ETF	922042858
TTD	The Trade Desk Inc	9,800	$758K	0.3%	$63.90	0.0%	COM	88339J105
NOC	Northrop Grumman Corp	2,087	$758K	0.3%	$114.24	+192.2%	COM	666807102
LLY	Lilly Eli & Company	3,250	$746K	0.3%	$105.23	+82.4%	COM	532457108
ACN	Accenture Plc Cl A	2,336	$689K	0.3%	$230.41	+16.4%	COM	G1151C101
VBR	Vanguard Small Cap Value	3,879	$674K	0.3%	$122.97	—	ETF	922908611
VZ	Verizon Communications	11,962	$670K	0.3%	$42.89	+1.2%	COM	92343V104
DFUS	Dfa Tax-Mng US Equity PO	14,027	$661K	0.2%	$47.12	—	ETF	25434V401
IWN	Russell 2000/ Small Value	3,923	$650K	0.2%	$105.17	—	ETF	464287630
WY	Weyerhaeuser Co	18,435	$635K	0.2%	$28.58	+6.8%	COM	962166104
NKE	Nike Inc Class B	4,088	$632K	0.2%	$54.31	+131.4%	COM	654106103
VOO	Vanguard S&P 500 Etf	1,560	$614K	0.2%	$279.18	—	ETF	922908363
IJS	iShares S&P Sm Cap Value	5,434	$573K	0.2%	$97.44	—	ETF	464287879
BMY	Bristol-Myers Squibb Co	8,084	$540K	0.2%	$53.89	0.0%	COM	110122108
PFE	Pfizer Incorporated	13,416	$525K	0.2%	$28.91	+7.2%	COM	717081103
TMO	Thermo Electron Corp	1,026	$518K	0.2%	$466.00	0.0%	COM	883556102
CMCSA	Comcast Corp New Cl A	9,035	$515K	0.2%	$34.29	+43.1%	COM	20030N101
MA	Mastercard Inc	1,390	$507K	0.2%	$323.35	+12.0%	COM	57636Q104
PEP	Pepsico Incorporated	3,389	$502K	0.2%	$117.80	+7.1%	COM	713448108
ENB	Enbridge Inc	12,049	$482K	0.2%	$21.70	+32.0%	COM	29250N105
DTE	DTE Energy Company	3,664	$475K	0.2%	$81.36	+23.1%	COM	233331107
CSX	C S X Corp	14,400	$462K	0.2%	$30.36	+2.0%	COM	126408103
CCI	Crown Castle Intl Corp	2,336	$456K	0.2%	$150.03	0.0%	COM	22822V101
ICF	iShares C&S Real Estate	6,932	$453K	0.2%	$76.75	—	ETF	464287564
GOOGL	Google Inc. Class A	185	$452K	0.2%	$115.92	0.0%	COM	02079K305
MCD	Mc Donalds Corp	1,879	$434K	0.2%	$197.13	+6.2%	COM	580135101
ZTS	Zoetis Inc	2,231	$416K	0.2%	$151.62	+9.8%	COM	98978V103
AROW	Arrow Financial Corp	11,356	$408K	0.2%	$22.88	+25.5%	COM	042744102
BX	Blackstone Group Lp	4,101	$398K	0.1%	$76.25	0.0%	COM	09260D107
TSLA	Tesla Motors Inc	571	$388K	0.1%	$217.09	0.0%	COM	88160R101
DFAS	DFA U.S. Small Cap (TM)	6,619	$387K	0.1%	$58.47	—	ETF	25434V500
CTAS	Cintas Corporation	1,000	$382K	0.1%	$84.94	0.0%	COM	172908105
BRK/B	Berkshire Hathaway B New	1,364	$379K	0.1%	$152.99	+82.6%	COM	084670702
BA	Boeing Co	1,534	$367K	0.1%	$192.22	+25.8%	COM	097023105
INTC	Intel Corp	6,512	$366K	0.1%	$50.17	+6.8%	COM	458140100
META	Facebook Inc Class A	1,050	$365K	0.1%	$157.45	+102.3%	COM	30303M102
DUK	Duke Energy Corporation	3,615	$357K	0.1%	$75.67	+10.8%	COM	26441C204
HON	Honeywell International	1,596	$350K	0.1%	$163.73	+17.4%	COM	438516106
YUM	Yum! Brands Inc	2,977	$342K	0.1%	$91.09	+18.7%	COM	988498101
MMM	3M	1,663	$330K	0.1%	$120.30	+16.7%	COM	88579Y101
JPM	JPMorgan Chase & Co.	2,028	$315K	0.1%	$82.27	+69.8%	COM	46625H100
GPN	Global Payments Inc	1,636	$307K	0.1%	$165.98	+16.2%	COM	37940X102
SCHE	Schw Emg Mkt Eq Etf	9,188	$302K	0.1%	$27.52	—	ETF	808524706
VGT	Vanguard Info Technology	753	$300K	0.1%	$317.55	—	ETF	92204A702
DIA	SPDR Dow Jones Industrial Average ETF	859	$296K	0.1%	$258.44	—	ETF	78467X109
DE	Deere & Co	818	$289K	0.1%	$232.12	+47.7%	COM	244199105
CVNA	Carvana Co	880	$266K	0.1%	$272.01	0.0%	COM	146869102
RTX	Raytheon Technologies Ord	3,059	$261K	0.1%	$60.11	+26.0%	COM	75513E101
CYRX	Cryoport Inc Com Par $0.001	4,000	$252K	0.1%	$56.29	0.0%	COM	229050307
CLVT	Clarivate Analytics Plc Ordinary Shares	9,000	$248K	0.1%	$27.49	0.0%	COM	G21810109
VIG	Vanguard Div Apprciation	1,589	$246K	0.1%	$129.22	—	ETF	921908844
DFAE	DFA Core Emerging Mkt ETF	8,273	$245K	0.1%	$29.61	—	ETF	25434V302
GDXJ	Vaneck Vectors Junior	5,200	$243K	0.1%	$46.73	—	ETF	92189F791
IWO	Russell 2000/ Small Growth	770	$240K	0.1%	$287.01	—	ETF	464287648
IBM	Int'l Business Mach	1,550	$227K	0.1%	$98.07	+15.7%	COM	459200101
—	General Electric Company	16,620	$224K	0.1%	$13.24	—	COM	369604103
VYM	Vanguard High Dividend ETF	2,130	$223K	0.1%	$100.94	—	ETF	921946406
PYPL	Paypal Holdings Inco	760	$222K	0.1%	$263.52	0.0%	COM	70450Y103
MDT	Medtronic Inc	1,734	$215K	0.1%	$95.08	+15.2%	COM	G5960L103
ORCL	Oracle Corporation	2,634	$205K	0.1%	$46.07	+59.7%	COM	68389X105
AEP	American Elec Pwr Inc	2,415	$204K	0.1%	$72.01	+1.0%	COM	025537101
RKT	Rocket Cos Inc-Class A	10,200	$197K	0.1%	$17.79	0.0%	COM	77311W101
—	SUSTAINABLE OPPORT ACQ CL A ORD	11,000	$109K	0.0%	$9.91	—	COM	G8598Y109