Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	416,116	$100M	24.2%	$122.16	—	ETF	922908769
BSV	Vanguard ST Bond Idx ETF	626,556	$50.65M	12.2%	$81.90	—	ETF	921937827
BIV	Vanguard Interm Bond Index ETF	242,048	$21.21M	5.1%	$89.44	—	ETF	921937819
SPY	SPDR Trust (S&P 500)	35,134	$16.69M	4.0%	$205.55	—	ETF	78462F103
IWV	Russell 3000	58,248	$16.16M	3.9%	$121.23	—	ETF	464287689
ESGV	Vanguard ESG U.S. Stock ETF	145,336	$12.77M	3.1%	$52.07	—	ETF	921910733
—	Altair Engineering Inc.	150,289	$11.62M	2.8%	$68.97	—	COM	021369103
VUG	Vanguard Growth	29,935	$9.606M	2.3%	$200.86	—	ETF	922908736
AAPL	Apple Computer Inc	48,356	$8.587M	2.1%	$121.76	+27.1%	COM	037833100
IWM	Russell 2000/Small Blend	35,915	$7.989M	1.9%	$120.78	—	ETF	464287655
VTV	Vanguard Value	48,548	$7.142M	1.7%	$94.46	—	ETF	922908744
ICSH	iShares Ultra Short-Term Bond ETF	140,824	$7.096M	1.7%	$50.50	—	ETF	46434V878
BND	Vanguard Total Bond	70,021	$5.934M	1.4%	$85.15	—	ETF	921937835
MUB	Ishares Nationl Muni Bond	49,796	$5.79M	1.4%	$116.27	—	ETF	464288414
VSGX	Vanguard ESG Int'l ETF	89,264	$5.536M	1.3%	$50.30	—	ETF	921910725
MDY	Mid Cap S P D R TRUST	10,490	$5.431M	1.3%	$331.26	—	ETF	78467Y107
AVDE	Avantis International Equity ETF	75,452	$4.783M	1.2%	$63.39	—	ETF	025072703
DFAT	DFA U.S. Small Cap Value (TM)	94,271	$4.48M	1.1%	$44.79	—	ETF	25434V609
IWD	Russell 1000/ Lrg. Value	26,295	$4.416M	1.1%	$105.14	—	ETF	464287598
VNQ	Vanguard Reit	37,760	$4.381M	1.1%	$81.42	—	ETF	922908553
TIP	BGI i Shares/TIPS	29,674	$3.834M	0.9%	$127.86	—	ETF	464287176
DFAI	DFA Int'l Core Equity ETF	125,756	$3.719M	0.9%	$29.50	—	ETF	25434V203
IVW	iShares S&P 500 Growth	44,326	$3.709M	0.9%	$76.19	—	ETF	464287309
VTHR	Vanguard Russell 3000 ETF	16,754	$3.614M	0.9%	$117.70	—	ETF	92206C599
BNDX	Vanguard Total Internatl	59,885	$3.303M	0.8%	$55.37	—	ETF	92203J407
VTIP	Vanguard Shrt Inf Prot	58,028	$2.983M	0.7%	$52.33	—	ETF	922020805
IWF	Russell 1000/ Lrg. Growth	9,273	$2.834M	0.7%	$96.32	—	ETF	464287614
PEP	Pepsico Incorporated	14,308	$2.485M	0.6%	$139.32	+3.0%	COM	713448108
—	Heartland Finl Usa	47,808	$2.42M	0.6%	$43.31	—	COM	42234Q102
IVV	iShares S&P 500 Index	4,579	$2.184M	0.5%	$227.42	—	ETF	464287200
—	Ihs Markit Ltd	16,000	$2.127M	0.5%	$112.65	—	COM	G47567105
SCHB	Schw US Brd Mkt Etf	18,464	$2.087M	0.5%	$58.59	—	ETF	808524102
AGG	iShares Aggregate Bond Fd	18,033	$2.057M	0.5%	$114.81	—	ETF	464287226
DFAE	DFA Core Emerging Mkt ETF	70,164	$1.92M	0.5%	$27.55	—	ETF	25434V302
SO	The Southern Company	27,135	$1.861M	0.4%	$48.82	+12.1%	COM	842587107
MSFT	Microsoft Corp	5,466	$1.838M	0.4%	$188.72	+66.1%	COM	594918104
EEM	iShares MSCI Emrg Mkt	36,916	$1.803M	0.4%	$42.67	—	ETF	464287234
DFIV	DFA Tax Managed Intl	54,767	$1.797M	0.4%	$32.74	—	ETF	25434V807
SCHO	SCHWAB STRATEGIC TR SHT TM US TRES ETF	34,095	$1.734M	0.4%	$50.98	—	ETF	808524862
JNJ	Johnson & Johnson	9,437	$1.614M	0.4%	$140.23	+3.5%	COM	478160104
ABBV	Abbvie Inc	11,631	$1.575M	0.4%	$88.17	+15.3%	COM	00287Y109
FRME	First Merchants Corp	35,335	$1.48M	0.4%	$38.60	-6.9%	COM	320817109
ABT	Abbott Laboratories	10,447	$1.47M	0.4%	$103.79	+14.4%	COM	002824100
BRK/A	Berkshire Hathaway A	300	$1.352M	0.3%	$430805.34	+0.2%	COM	084670108
IWB	iShares Russell 1000	5,073	$1.341M	0.3%	$114.63	—	ETF	464287622
KO	Coca Cola Company	21,630	$1.281M	0.3%	$43.82	+12.2%	COM	191216100
IVE	iShares S&P 500 Value	7,953	$1.246M	0.3%	$95.92	—	ETF	464287408
VONV	Vanguard Russell 1000	16,757	$1.236M	0.3%	$78.33	—	ETF	92206C714
PG	Procter & Gamble Co	7,106	$1.162M	0.3%	$121.64	+10.3%	COM	742718109
EFA	iShares MSCI/EAFE Index	14,380	$1.131M	0.3%	$63.44	—	ETF	464287465
XOM	Exxon Mobil Corporation	18,452	$1.129M	0.3%	$41.53	+29.8%	COM	30231G102
NVO	Novo-Nordisk A-S	10,000	$1.12M	0.3%	$69.90	—	COM	670100205
AMZN	Amazon Com Inc	322	$1.074M	0.3%	$139.13	+23.0%	COM	023135106
QQQ	Invesco QQQ Trust	2,677	$1.065M	0.3%	$213.36	—	ETF	46090E103
VXUS	Vanguard Total Intl Etf	15,667	$996K	0.2%	$56.77	—	ETF	921909768
ACN	Accenture Plc Cl A	2,315	$960K	0.2%	$230.41	+49.0%	COM	G1151C101
VGSH	Vanguard Short Term	15,472	$941K	0.2%	$60.82	—	ETF	92206C102
DFAU	DFA US Core Equity ETF	28,464	$939K	0.2%	$32.31	—	ETF	25434V104
SHY	iShares Tr Barclays Bond	10,836	$927K	0.2%	$86.10	—	ETF	464287457
TTD	The Trade Desk Inc	9,800	$898K	0.2%	$63.90	+37.1%	COM	88339J105
PFE	Pfizer Incorporated	14,735	$870K	0.2%	$29.76	+35.2%	COM	717081103
SCHR	SCHWAB STRATEGIC TR INTRM TRM TRES ETF	14,428	$810K	0.2%	$56.70	—	ETF	808524854
NOC	Northrop Grumman Corp	2,087	$808K	0.2%	$114.24	+204.8%	COM	666807102
LLY	Lilly Eli & Company	2,842	$785K	0.2%	$105.23	+131.7%	COM	532457108
VBR	Vanguard Small Cap Value	4,352	$778K	0.2%	$128.76	—	ETF	922908611
V	Visa Inc Cl A	3,542	$768K	0.2%	$187.93	+10.7%	COM	92826C839
VOO	Vanguard S&P 500 Etf	1,614	$705K	0.2%	$283.85	—	ETF	922908363
VWO	Vanguard Emerging Market	14,023	$694K	0.2%	$42.52	—	ETF	922042858
TMO	Thermo Electron Corp	1,026	$685K	0.2%	$466.00	+32.5%	COM	883556102
NKE	Nike Inc Class B	4,088	$681K	0.2%	$54.31	+184.6%	COM	654106103
DFUS	Dfa Tax-Mng US Equity PO	12,967	$670K	0.2%	$47.12	—	ETF	25434V401
VEA	Vanguard Msci Eafe Etf	12,143	$620K	0.1%	$51.06	—	ETF	921943858
BMY	Bristol-Myers Squibb Co	9,884	$616K	0.1%	$53.04	-7.2%	COM	110122108
GOOG	Google Inc. Class C	210	$608K	0.1%	$136.84	+4.8%	COM	02079K107
VZ	Verizon Communications	11,638	$605K	0.1%	$42.89	-5.8%	COM	92343V104
IWN	Russell 2000/ Small Value	3,608	$599K	0.1%	$105.17	—	ETF	464287630
DUK	Duke Energy Corporation	5,474	$574K	0.1%	$79.76	+8.2%	COM	26441C204
YUM	Yum! Brands Inc	4,077	$566K	0.1%	$98.40	+20.1%	COM	988498101
WY	Weyerhaeuser Co	13,624	$561K	0.1%	$28.58	+11.9%	COM	962166104
CSX	C S X Corp	14,400	$541K	0.1%	$30.36	+9.6%	COM	126408103
GOOGL	Google Inc. Class A	185	$536K	0.1%	$117.79	+21.4%	COM	02079K305
INTU	Intuit Inc	829	$533K	0.1%	$601.47	0.0%	COM	461202103
BX	Blackstone Group Lp	4,101	$531K	0.1%	$76.25	+52.3%	COM	09260D107
ENB	Enbridge Inc	13,586	$531K	0.1%	$22.71	+35.0%	COM	29250N105
DFAS	DFA U.S. Small Cap (TM)	8,802	$528K	0.1%	$58.84	—	ETF	25434V500
MCD	Mc Donalds Corp	1,942	$521K	0.1%	$199.28	+15.2%	COM	580135101
ZTS	Zoetis Inc	2,122	$518K	0.1%	$151.62	+38.8%	COM	98978V103
ICF	iShares C&S Real Estate	6,582	$501K	0.1%	$76.75	—	ETF	464287564
MA	Mastercard Inc	1,390	$499K	0.1%	$323.35	+4.5%	COM	57636Q104
CCI	Crown Castle Intl Corp	2,200	$459K	0.1%	$150.03	-0.0%	COM	22822V101
CTAS	Cintas Corporation	1,000	$443K	0.1%	$84.94	+22.1%	COM	172908105
DTE	DTE Energy Company	3,664	$438K	0.1%	$81.36	+22.2%	COM	233331107
SCHE	Schw Emg Mkt Eq Etf	14,723	$436K	0.1%	$28.91	—	ETF	808524706
IJS	iShares S&P Sm Cap Value	4,136	$432K	0.1%	$97.44	—	ETF	464287879
AROW	Arrow Financial Corp	11,732	$413K	0.1%	$23.06	+26.1%	COM	042744102
VUSB	Vanguard Ultra-Short Bond ETF	8,199	$410K	0.1%	$50.01	—	ETF	92203C303
BRK/B	Berkshire Hathaway B New	1,364	$408K	0.1%	$152.99	+87.2%	COM	084670702
AVUV	AVANTIS US SMALL CAP VALUE ETF	4,984	$397K	0.1%	$79.65	—	ETF	025072877
CMCSA	Comcast Corp New Cl A	7,672	$386K	0.1%	$34.29	+34.6%	COM	20030N101
NEE	Nextera Energy Inc	4,106	$383K	0.1%	$77.35	0.0%	COM	65339F101
VGT	Vanguard Info Technology	820	$376K	0.1%	$324.39	—	ETF	92204A702
SRE	Sempra Energy	2,831	$374K	0.1%	$57.26	-3.1%	COM	816851109
ITOT	iShares Core S&P Total US Stock Mkt ETF	3,431	$367K	0.1%	$106.97	—	ETF	464287150
COST	Costco Whsl Corp New	629	$357K	0.1%	$488.10	0.0%	COM	22160K105
META	Facebook Inc Class A	1,050	$353K	0.1%	$157.45	+109.4%	COM	30303M102
AEP	American Elec Pwr Inc	3,600	$320K	0.1%	$72.48	0.0%	COM	025537101
BA	Boeing Co	1,558	$314K	0.1%	$192.52	+9.7%	COM	097023105
DIA	SPDR Dow Jones Industrial Average ETF	859	$312K	0.1%	$258.44	—	ETF	78467X109
IGSB	Ishares Tr Sh Tr Crport Etf	5,719	$308K	0.1%	$53.86	—	ETF	464288646
MMM	3M	1,730	$307K	0.1%	$120.95	+5.2%	COM	88579Y101
ED	Consolidated Edison Inc	3,500	$299K	0.1%	$68.08	0.0%	COM	209115104
DE	Deere & Co	818	$280K	0.1%	$232.12	+41.6%	COM	244199105
DIS	Disney Company	1,800	$279K	0.1%	$136.02	+16.0%	COM	254687106
JPM	JPMorgan Chase & Co.	1,709	$271K	0.1%	$82.27	+79.7%	COM	46625H100
VIG	Vanguard Div Apprciation	1,561	$268K	0.1%	$129.22	—	ETF	921908844
RTX	Raytheon Technologies Ord	3,075	$265K	0.1%	$60.11	+32.0%	COM	75513E101
VYM	Vanguard High Dividend ETF	2,130	$239K	0.1%	$100.97	—	ETF	921946406
CYRX	Cryoport Inc Com Par $0.001	4,000	$237K	0.1%	$56.29	+22.9%	COM	229050307
MRK	Merck & Co	3,093	$237K	0.1%	$69.89	0.0%	COM	58933Y105
NVDA	Nvidia Corp	800	$235K	0.1%	$27.46	0.0%	COM	67066G104
REET	iShares Global REIT ETF	7,612	$233K	0.1%	$30.61	—	ETF	46434V647
ORCL	Oracle Corporation	2,634	$230K	0.1%	$46.07	+93.0%	COM	68389X105
SHW	Sherwin Williams Co	652	$230K	0.1%	$311.25	0.0%	COM	824348106
IWO	Russell 2000/ Small Growth	770	$226K	0.1%	$287.01	—	ETF	464287648
BAC	Bank of America	5,045	$224K	0.1%	$41.02	0.0%	COM	060505104
GPN	Global Payments Inc	1,636	$221K	0.1%	$165.98	-20.2%	COM	37940X102
TM	Toyota Motor Cp Adr Newf	1,150	$213K	0.1%	$185.22	—	COM	892331307
HD	Home Depot Inc	513	$213K	0.1%	$343.18	0.0%	COM	437076102
CLVT	Clarivate Analytics Plc Ordinary Shares	9,000	$212K	0.1%	$23.16	0.0%	COM	G21810109
GDXJ	Vaneck Vectors Junior	5,000	$210K	0.1%	$42.00	—	ETF	92189F791
T	AT & T Inc.	8,266	$203K	0.0%	$14.67	0.0%	COM	00206R102
ELV	ANTHEM INC COM	435	$201K	0.0%	$397.15	0.0%	COM	036752103
RKT	Rocket Cos Inc-Class A	10,200	$143K	0.0%	$17.79	-21.3%	COM	77311W101
—	M F S Intermdt Income Tr	29,319	$105K	0.0%	$3.58	—	ETF	55273C107
—	TMC THE METALS COMPANY ORD	40,000	$83,000	0.0%	$4.79	—	COM	G8598Y109