Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	408,378	$90.68M	25.1%	$119.90	—	ETF	922908769
BSV	Vanguard ST Bond Idx ETF	604,869	$49.56M	13.7%	$81.94	—	ETF	921937827
BIV	Vanguard Interm Bond Index ETF	248,954	$22.27M	6.2%	$89.44	—	ETF	921937819
IWV	Russell 3000	60,031	$15.3M	4.2%	$121.23	—	ETF	464287689
SPY	SPDR Trust (S&P 500)	35,343	$15.17M	4.2%	$205.55	—	ETF	78462F103
ESGV	Vanguard ESG U.S. Stock ETF	152,170	$12.18M	3.4%	$52.07	—	ETF	921910733
—	Altair Engineering Inc.	163,289	$11.26M	3.1%	$68.97	—	COM	021369103
VUG	Vanguard Growth	29,954	$8.692M	2.4%	$200.86	—	ETF	922908736
IWM	Russell 2000/Small Blend	35,510	$7.768M	2.1%	$119.62	—	ETF	464287655
ICSH	iShares Ultra Short-Term Bond ETF	135,787	$6.858M	1.9%	$50.51	—	ETF	46434V878
AAPL	Apple Computer Inc	44,673	$6.321M	1.7%	$119.04	+20.9%	COM	037833100
VTV	Vanguard Value	43,540	$5.894M	1.6%	$88.40	—	ETF	922908744
VSGX	Vanguard ESG Int'l ETF	89,362	$5.517M	1.5%	$50.30	—	ETF	921910725
MDY	Mid Cap S P D R TRUST	10,220	$4.915M	1.4%	$326.33	—	ETF	78467Y107
DFAT	DFA U.S. Small Cap Value (TM)	95,086	$4.222M	1.2%	$44.79	—	ETF	25434V609
IWD	Russell 1000/ Lrg. Value	26,345	$4.123M	1.1%	$105.14	—	ETF	464287598
VNQ	Vanguard Reit	37,420	$3.809M	1.1%	$81.42	—	ETF	922908553
IWF	Russell 1000/ Lrg. Growth	13,247	$3.63M	1.0%	$96.32	—	ETF	464287614
BND	Vanguard Total Bond	40,929	$3.497M	1.0%	$85.44	—	ETF	921937835
TIP	BGI i Shares/TIPS	26,159	$3.34M	0.9%	$127.68	—	ETF	464287176
VTHR	Vanguard Russell 3000 ETF	16,846	$3.337M	0.9%	$117.70	—	ETF	92206C599
IVW	iShares S&P 500 Growth	44,326	$3.276M	0.9%	$76.19	—	ETF	464287309
VTIP	Vanguard Shrt Inf Prot	46,300	$2.434M	0.7%	$52.57	—	ETF	922020805
—	Heartland Finl Usa	47,808	$2.299M	0.6%	$43.31	—	COM	42234Q102
AGG	iShares Aggregate Bond Fd	17,714	$2.034M	0.6%	$114.82	—	ETF	464287226
IVV	iShares S&P 500 Index	4,674	$2.014M	0.6%	$227.42	—	ETF	464287200
SCHB	Schw US Brd Mkt Etf	19,164	$1.99M	0.6%	$58.59	—	ETF	808524102
—	Ihs Markit Ltd	16,200	$1.889M	0.5%	$112.65	—	COM	G47567105
SO	The Southern Company	29,651	$1.837M	0.5%	$48.82	+12.0%	COM	842587107
DFIV	DFA Tax Managed Intl	54,767	$1.793M	0.5%	$32.74	—	ETF	25434V807
EEM	iShares MSCI Emrg Mkt	33,513	$1.688M	0.5%	$42.05	—	ETF	464287234
DFAE	DFA Core Emerging Mkt ETF	61,417	$1.674M	0.5%	$27.57	—	ETF	25434V302
MSFT	Microsoft Corp	5,258	$1.482M	0.4%	$183.79	+52.7%	COM	594918104
FRME	First Merchants Corp	35,335	$1.478M	0.4%	$38.60	-10.3%	COM	320817109
ABT	Abbott Laboratories	12,081	$1.427M	0.4%	$103.79	+9.3%	COM	002824100
SCHR	SCHWAB STRATEGIC TR INTRM TRM TRES ETF	24,428	$1.385M	0.4%	$56.70	—	ETF	808524854
JNJ	Johnson & Johnson	7,935	$1.281M	0.4%	$139.31	+7.9%	COM	478160104
ABBV	Abbvie Inc	11,631	$1.255M	0.3%	$88.17	+10.3%	COM	00287Y109
IWB	iShares Russell 1000	5,130	$1.24M	0.3%	$114.63	—	ETF	464287622
BRK/A	Berkshire Hathaway A	3	$1.234M	0.3%	$330761.80	+27.8%	COM	084670108
IVE	iShares S&P 500 Value	7,953	$1.157M	0.3%	$95.92	—	ETF	464287408
VONV	Vanguard Russell 1000	16,757	$1.151M	0.3%	$78.33	—	ETF	92206C714
XOM	Exxon Mobil Corporation	18,095	$1.064M	0.3%	$41.28	+17.4%	COM	30231G102
AMZN	Amazon Com Inc	317	$1.041M	0.3%	$138.63	+24.4%	COM	023135106
EFA	iShares MSCI/EAFE Index	12,723	$993K	0.3%	$61.46	—	ETF	464287465
QQQ	Invesco QQQ Trust	2,729	$977K	0.3%	$213.36	—	ETF	46090E103
NVO	Novo-Nordisk A-S	10,000	$960K	0.3%	$69.90	—	COM	670100205
KO	Coca Cola Company	18,260	$958K	0.3%	$42.83	+13.9%	COM	191216100
PG	Procter & Gamble Co	6,759	$945K	0.3%	$121.00	+5.2%	COM	742718109
SHY	iShares Tr Barclays Bond	10,836	$933K	0.3%	$86.10	—	ETF	464287457
VXUS	Vanguard Total Intl Etf	13,070	$827K	0.2%	$55.42	—	ETF	921909768
V	Visa Inc Cl A	3,542	$789K	0.2%	$187.93	+20.8%	COM	92826C839
VWO	Vanguard Emerging Market	15,362	$768K	0.2%	$42.52	—	ETF	922042858
DFAI	DFA Int'l Core Equity ETF	26,433	$764K	0.2%	$29.23	—	ETF	25434V203
NOC	Northrop Grumman Corp	2,087	$752K	0.2%	$114.24	+194.5%	COM	666807102
ACN	Accenture Plc Cl A	2,336	$747K	0.2%	$230.41	+32.6%	COM	G1151C101
TTD	The Trade Desk Inc	9,800	$689K	0.2%	$63.90	+21.0%	COM	88339J105
VBR	Vanguard Small Cap Value	4,005	$678K	0.2%	$124.43	—	ETF	922908611
LLY	Lilly Eli & Company	2,842	$657K	0.2%	$105.23	+124.9%	COM	532457108
SCHO	SCHWAB STRATEGIC TR SHT TM US TRES ETF	12,815	$656K	0.2%	$51.19	—	ETF	808524862
WY	Weyerhaeuser Co	18,435	$656K	0.2%	$28.58	+1.3%	COM	962166104
DIS	Disney Company	3,863	$654K	0.2%	$136.02	+28.0%	COM	254687106
VZ	Verizon Communications	11,968	$646K	0.2%	$42.89	-1.3%	COM	92343V104
DFUS	Dfa Tax-Mng US Equity PO	13,355	$630K	0.2%	$47.12	—	ETF	25434V401
VOO	Vanguard S&P 500 Etf	1,583	$624K	0.2%	$280.85	—	ETF	922908363
PFE	Pfizer Incorporated	13,932	$599K	0.2%	$29.16	+22.3%	COM	717081103
NKE	Nike Inc Class B	4,088	$594K	0.2%	$54.31	+180.9%	COM	654106103
IWN	Russell 2000/ Small Value	3,708	$594K	0.2%	$105.17	—	ETF	464287630
TMO	Thermo Electron Corp	1,026	$586K	0.2%	$466.00	+16.4%	COM	883556102
GOOG	Google Inc. Class C	219	$584K	0.2%	$136.84	0.0%	COM	02079K107
GOOGL	Google Inc. Class A	205	$548K	0.2%	$117.79	+14.7%	COM	02079K305
SCHE	Schw Emg Mkt Eq Etf	17,317	$528K	0.1%	$28.91	—	ETF	808524706
MA	Mastercard Inc	1,390	$483K	0.1%	$323.35	+9.7%	COM	57636Q104
ENB	Enbridge Inc	12,049	$480K	0.1%	$21.70	+36.8%	COM	29250N105
BMY	Bristol-Myers Squibb Co	8,084	$478K	0.1%	$53.89	+1.8%	COM	110122108
BX	Blackstone Group Lp	4,101	$477K	0.1%	$76.25	+31.6%	COM	09260D107
ICF	iShares C&S Real Estate	6,777	$443K	0.1%	$76.75	—	ETF	464287564
MCD	Mc Donalds Corp	1,813	$437K	0.1%	$197.13	+9.5%	COM	580135101
ZTS	Zoetis Inc	2,231	$433K	0.1%	$151.62	+27.8%	COM	98978V103
CMCSA	Comcast Corp New Cl A	7,652	$428K	0.1%	$34.29	+49.9%	COM	20030N101
CSX	C S X Corp	14,400	$428K	0.1%	$30.36	-0.7%	COM	126408103
BNDX	Vanguard Total Internatl	7,505	$427K	0.1%	$56.90	—	ETF	92203J407
IJS	iShares S&P Sm Cap Value	4,136	$416K	0.1%	$97.44	—	ETF	464287879
DTE	DTE Energy Company	3,664	$409K	0.1%	$81.36	+24.5%	COM	233331107
CCI	Crown Castle Intl Corp	2,336	$405K	0.1%	$150.03	+3.9%	COM	22822V101
AROW	Arrow Financial Corp	11,715	$403K	0.1%	$23.06	+24.8%	COM	042744102
CTAS	Cintas Corporation	1,000	$381K	0.1%	$84.94	+10.6%	COM	172908105
DFAS	DFA U.S. Small Cap (TM)	6,619	$381K	0.1%	$58.47	—	ETF	25434V500
BRK/B	Berkshire Hathaway B New	1,364	$372K	0.1%	$152.99	+83.6%	COM	084670702
YUM	Yum! Brands Inc	2,977	$364K	0.1%	$91.09	+28.2%	COM	988498101
SRE	Sempra Energy	2,831	$358K	0.1%	$57.26	0.0%	COM	816851109
META	Facebook Inc Class A	1,050	$356K	0.1%	$157.45	+127.2%	COM	30303M102
PEP	Pepsico Incorporated	2,301	$346K	0.1%	$117.80	+14.6%	COM	713448108
HON	Honeywell International	1,596	$339K	0.1%	$163.73	+18.9%	COM	438516106
BA	Boeing Co	1,534	$337K	0.1%	$192.22	+16.0%	COM	097023105
JPM	JPMorgan Chase & Co.	2,028	$332K	0.1%	$82.27	+70.5%	COM	46625H100
VGT	Vanguard Info Technology	820	$329K	0.1%	$324.39	—	ETF	92204A702
DUK	Duke Energy Corporation	3,365	$328K	0.1%	$75.67	+15.3%	COM	26441C204
MMM	3M	1,729	$303K	0.1%	$120.95	+13.5%	COM	88579Y101
DIA	SPDR Dow Jones Industrial Average ETF	859	$291K	0.1%	$258.44	—	ETF	78467X109
TSLA	Tesla Motors Inc	371	$288K	0.1%	$217.09	+8.4%	COM	88160R101
DE	Deere & Co	818	$274K	0.1%	$232.12	+46.2%	COM	244199105
CYRX	Cryoport Inc Com Par $0.001	4,000	$266K	0.1%	$56.29	+9.6%	COM	229050307
RTX	Raytheon Technologies Ord	3,067	$264K	0.1%	$60.11	+28.8%	COM	75513E101
GPN	Global Payments Inc	1,636	$258K	0.1%	$165.98	+0.4%	COM	37940X102
CVNA	Carvana Co	850	$256K	0.1%	$272.01	+22.2%	COM	146869102
VIG	Vanguard Div Apprciation	1,561	$240K	0.1%	$129.22	—	ETF	921908844
ORCL	Oracle Corporation	2,634	$230K	0.1%	$46.07	+80.9%	COM	68389X105
IBM	Int'l Business Mach	1,632	$227K	0.1%	$98.78	+13.5%	COM	459200101
IWO	Russell 2000/ Small Growth	770	$226K	0.1%	$287.01	—	ETF	464287648
VYM	Vanguard High Dividend ETF	2,156	$223K	0.1%	$100.97	—	ETF	921946406
MDT	Medtronic Inc	1,734	$217K	0.1%	$95.08	+19.3%	COM	G5960L103
GE	General Electric Company	2,082	$215K	0.1%	$62.95	0.0%	COM	369604301
DFAU	DFA US Core Equity ETF	6,887	$208K	0.1%	$30.20	—	ETF	25434V104
RKT	Rocket Cos Inc-Class A	10,200	$164K	0.0%	$17.79	-13.6%	COM	77311W101
—	ProShares UltraPro Short QQQ	14,000	$121K	0.0%	$8.64	—	ETF	74347G861
—	TMC THE METALS COMPANY ORD	20,000	$91,000	0.0%	$7.50	—	COM	G8598Y109