Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	394,341	$74.38M	20.7%	$122.16	—	—	922908769
BSV	Vanguard ST Bond Idx ETF	702,904	$53.98M	15.0%	$81.17	—	—	921937827
BIV	Vanguard Interm Bond Index ETF	328,188	$25.48M	7.1%	$86.38	—	—	921937819
SPY	SPDR Trust (S&P 500)	37,399	$14.11M	3.9%	$217.80	—	—	78462F103
IWV	Russell 3000	56,871	$12.36M	3.4%	$121.23	—	—	464287689
ESGV	Vanguard ESG U.S. Stock ETF	158,232	$10.51M	2.9%	$53.79	—	—	921910733
DFUV	DFA Tax-Managed US Marketwide Value II	265,947	$8.404M	2.3%	$31.60	—	—	25434V724
BND	Vanguard Total Bond	95,299	$7.172M	2.0%	$81.20	—	—	921937835
VTV	Vanguard Value	51,012	$6.727M	1.9%	$101.05	—	—	922908744
DFAI	DFA Int'l Core Equity ETF	276,499	$6.675M	1.9%	$28.60	—	—	25434V203
VUG	Vanguard Growth	29,350	$6.542M	1.8%	$204.79	—	—	922908736
IWM	Russell 2000/Small Blend	38,360	$6.497M	1.8%	$125.19	—	—	464287655
VTHR	Vanguard Russell 3000 ETF	33,510	$5.663M	1.6%	$146.37	—	—	92206C599
SCHB	Schw US Brd Mkt Etf	120,650	$5.332M	1.5%	$47.76	—	—	808524102
DFAU	DFA US Core Equity ETF	191,766	$5.068M	1.4%	$29.18	—	—	25434V104
VSGX	Vanguard ESG Int'l ETF	96,491	$4.732M	1.3%	$50.86	—	—	921910725
SUB	iShares Short-Term National Muni Bond	45,130	$4.724M	1.3%	$104.60	—	—	464288158
MDY	Mid Cap S P D R TRUST	10,441	$4.317M	1.2%	$331.26	—	—	78467Y107
DFNM	Dimensional National Munpl Bond ETF	86,654	$4.165M	1.2%	$48.22	—	—	25434V849
VNQ	Vanguard Reit	39,877	$3.633M	1.0%	$82.93	—	—	922908553
IWD	Russell 1000/ Lrg. Value	24,594	$3.565M	1.0%	$105.14	—	—	464287598
DFAT	DFA U.S. Small Cap Value (TM)	87,849	$3.533M	1.0%	$44.79	—	—	25434V609
IVV	iShares S&P 500 Index	9,106	$3.453M	1.0%	$304.33	—	—	464287200
AAPL	Apple Computer Inc	20,752	$2.837M	0.8%	$121.76	+22.1%	—	037833100
DFAE	DFA Core Emerging Mkt ETF	110,202	$2.552M	0.7%	$26.28	—	—	25434V302
IVW	iShares S&P 500 Growth	38,197	$2.305M	0.6%	$76.19	—	—	464287309
PEP	Pepsico Incorporated	13,172	$2.195M	0.6%	$139.32	+7.5%	—	713448108
AGG	iShares Aggregate Bond Fd	21,276	$2.163M	0.6%	$113.13	—	—	464287226
VTIP	Vanguard Shrt Inf Prot	43,039	$2.157M	0.6%	$52.33	—	—	922020805
IWF	Russell 1000/ Lrg. Growth	9,741	$2.13M	0.6%	$106.18	—	—	464287614
SCHO	SCHWAB STRATEGIC TR SHT TM US TRES ETF	39,985	$1.967M	0.5%	$50.13	—	—	808524862
SO	The Southern Company	26,330	$1.878M	0.5%	$49.00	+31.2%	—	842587107
ICSH	iShares Ultra Short-Term Bond ETF	36,174	$1.81M	0.5%	$50.46	—	—	46434V878
BNDX	Vanguard Total Internatl	35,769	$1.772M	0.5%	$54.19	—	—	92203J407
DFIV	DFA Tax Managed Intl	59,137	$1.708M	0.5%	$32.45	—	—	25434V807
ABBV	Abbvie Inc	10,909	$1.671M	0.5%	$88.17	+52.1%	—	00287Y109
JNJ	Johnson & Johnson	9,222	$1.637M	0.5%	$140.23	+14.1%	—	478160104
AVDE	Avantis International Equity ETF	32,063	$1.634M	0.5%	$63.39	—	—	025072703
TIP	BGI i Shares/TIPS	13,548	$1.543M	0.4%	$127.86	—	—	464287176
EEM	iShares MSCI Emrg Mkt	34,875	$1.398M	0.4%	$42.67	—	—	464287234
XOM	Exxon Mobil Corporation	14,994	$1.284M	0.4%	$41.53	+91.6%	—	30231G102
BRK/A	Berkshire Hathaway	3	$1.227M	0.3%	$430805.34	+9.4%	—	084670108
FRME	First Merchants Corp	32,805	$1.169M	0.3%	$38.60	-11.3%	—	320817109
VXUS	Vanguard Total Intl Etf	22,591	$1.166M	0.3%	$54.34	—	—	921909768
NVO	Novo-Nordisk A-S	10,000	$1.114M	0.3%	$69.90	—	—	670100205
VONV	Vanguard Russell 1000	16,663	$1.059M	0.3%	$78.33	—	—	92206C714
ABT	Abbott Laboratories	9,714	$1.055M	0.3%	$103.79	+2.2%	—	002824100
IVE	iShares S&P 500 Value	7,569	$1.04M	0.3%	$97.82	—	—	464287408
KO	Coca Cola Company	16,177	$1.018M	0.3%	$43.82	+29.5%	—	191216100
SCHP	Sch US Tips Etf	17,919	$1M	0.3%	$55.81	—	—	808524870
TSLA	Tesla Motors Inc	1,402	$944K	0.3%	$272.96	0.0%	—	88160R101
SHY	iShares Tr Barclays Bond	11,316	$937K	0.3%	$85.96	—	—	464287457
VGSH	Vanguard Short Term	15,327	$902K	0.3%	$60.82	—	—	92206C102
EFA	iShares MSCI/EAFE Index	14,270	$892K	0.2%	$63.93	—	—	464287465
VWO	Vanguard Emerging Market	21,031	$876K	0.2%	$43.09	—	—	922042858
NOC	Northrop Grumman Corp	1,823	$872K	0.2%	$114.24	+278.9%	—	666807102
IWB	iShares Russell 1000	4,015	$834K	0.2%	$114.63	—	—	464287622
SCHR	SCHWAB STRATEGIC TR INTRM TRM TRES ETF	15,118	$780K	0.2%	$56.40	—	—	808524854
QQQ	Invesco QQQ Trust	2,666	$747K	0.2%	$213.36	—	—	46090E103
LLY	Lilly Eli & Company	2,198	$713K	0.2%	$105.23	+176.4%	—	532457108
MUB	Ishares Nationl Muni Bond	6,502	$692K	0.2%	$115.80	—	—	464288414
BMY	Bristol-Myers Squibb Co	8,831	$680K	0.2%	$53.32	+21.8%	—	110122108
VBR	Vanguard Small Cap Value	4,515	$676K	0.2%	$145.42	—	—	922908611
ITOT	iShares Core S&P Total US Stock Mkt ETF	7,569	$634K	0.2%	$101.36	—	—	464287150
PG	Procter & Gamble Co	4,304	$619K	0.2%	$121.64	+12.9%	—	742718109
MSFT	Microsoft Corp	2,330	$599K	0.2%	$188.72	+39.6%	—	594918104
VOO	Vanguard S&P 500 Etf	1,635	$567K	0.2%	$285.54	—	—	922908363
MCD	Mc Donalds Corp	2,274	$561K	0.2%	$205.14	+10.3%	—	580135101
AVUS	AVANTIS US EQUITY ETF	8,083	$526K	0.1%	$65.07	—	—	025072885
IWN	Russell 2000/ Small Value	3,816	$520K	0.1%	$107.51	—	—	464287630
DFUS	DFA U.S. Equity ETF	12,690	$517K	0.1%	$47.12	—	—	25434V401
AVEM	Avantis Emerging Markets EQ ETF	9,886	$514K	0.1%	$57.17	—	—	025072604
IEMG	Ishares Core Msci	10,153	$498K	0.1%	$52.58	—	—	46434G103
YUM	Yum! Brands Inc	4,205	$477K	0.1%	$99.25	+9.2%	—	988498101
ENB	Enbridge Inc	11,092	$469K	0.1%	$22.71	+55.2%	—	29250N105
VZ	Verizon Communications	8,899	$452K	0.1%	$42.71	-6.1%	—	92343V104
VONG	Vanguard Russell 1000 Growth ETF	7,985	$449K	0.1%	$56.23	—	—	92206C680
WY	Weyerhaeuser Co	13,464	$446K	0.1%	$28.58	+17.4%	—	962166104
MA	Mastercard Inc	1,390	$439K	0.1%	$323.35	+4.3%	—	57636Q104
AMZN	Amazon Com Inc	4,120	$438K	0.1%	$126.13	-0.8%	—	023135106
TMO	Thermo Electron Corp	776	$422K	0.1%	$466.00	+16.9%	—	883556102
CSX	C S X Corp	14,400	$418K	0.1%	$30.36	+1.9%	—	126408103
ED	Consolidated Edison Inc	4,378	$416K	0.1%	$69.59	+20.8%	—	209115104
GOOGL	Google Inc. Class A	191	$416K	0.1%	$118.04	-1.0%	—	02079K305
VGT	Vanguard Info Technology	1,270	$415K	0.1%	$357.04	—	—	92204A702
SRE	Sempra Energy	2,755	$414K	0.1%	$57.26	+24.6%	—	816851109
REET	iShares Global REIT ETF	17,026	$412K	0.1%	$29.50	—	—	46434V647
BRK/B	Berkshire Hathaway B New	1,504	$411K	0.1%	$174.79	+79.5%	—	084670702
NKE	Nike Inc Class B	4,006	$409K	0.1%	$54.31	+104.9%	—	654106103
ICF	iShares C&S Real Estate	6,507	$395K	0.1%	$76.75	—	—	464287564
SCHV	Schwab US Large Cap	6,311	$394K	0.1%	$62.43	—	—	808524409
AVUV	Avantis US Small Cap Value ETF	5,696	$389K	0.1%	$79.43	—	—	025072877
AROW	Arrow Financial Corp	11,774	$375K	0.1%	$23.06	+14.1%	—	042744102
BX	Blackstone Group Lp	4,101	$374K	0.1%	$76.25	+26.0%	—	09260D107
CCI	Crown Castle Intl Corp	2,200	$370K	0.1%	$150.03	+0.1%	—	22822V101
PFE	Pfizer Incorporated	6,703	$351K	0.1%	$29.76	+41.1%	—	717081103
V	Visa Inc Cl A	1,778	$350K	0.1%	$187.93	+7.0%	—	92826C839
DUK	Duke Energy Corporation	3,196	$343K	0.1%	$79.76	+19.6%	—	26441C204
QCOM	Qualcomm Inc	2,563	$327K	0.1%	$124.91	0.0%	—	747525103
CMCSA	Comcast Corp New Cl A	8,210	$322K	0.1%	$35.14	+9.1%	—	20030N101
VO	Vanguard Mid Cap	1,438	$283K	0.1%	$238.13	—	—	922908629
DFAS	DFA U.S. Small Cap (TM)	5,852	$281K	0.1%	$58.84	—	—	25434V500
GOOG	Google Inc. Class C	127	$278K	0.1%	$136.84	-14.3%	—	02079K107
ZTS	Zoetis Inc	1,582	$272K	0.1%	$151.62	+10.0%	—	98978V103
VMBS	Vanguard Mortgage Backed	5,679	$272K	0.1%	$47.90	—	—	92206C771
DTE	DTE Energy Company	2,124	$269K	0.1%	$81.36	+41.4%	—	233331107
COST	Costco Whsl Corp New	557	$267K	0.1%	$488.10	-0.7%	—	22160K105
DIA	SPDR Dow Jones Industrial Average ETF	859	$264K	0.1%	$258.44	—	—	78467X109
VV	Vanguard Large Cap Etf	1,521	$262K	0.1%	$172.26	—	—	922908637
IJR	iShares Tr S&P Smallcap	2,754	$254K	0.1%	$105.66	—	—	464287804
RTX	Raytheon Technologies Ord	2,599	$250K	0.1%	$60.11	+47.3%	—	75513E101
DFSV	Dimensional US Small Cap Value ETF	11,057	$249K	0.1%	$22.52	—	—	25434V815
SCHE	Schw Emg Mkt Eq Etf	9,734	$247K	0.1%	$28.91	—	—	808524706
DE	Deere & Co	818	$245K	0.1%	$232.12	+50.6%	—	244199105
IAU	iShares Gold	6,830	$234K	0.1%	$34.26	—	—	464285204
INTU	Intuit Inc	595	$229K	0.1%	$601.47	-32.8%	—	461202103
ACN	Accenture Plc Cl A	815	$226K	0.1%	$230.41	+23.5%	—	G1151C101
META	Meta Platforms Inc Class A	1,394	$225K	0.1%	$165.87	+15.5%	—	30303M102
TTD	The Trade Desk Inc	5,360	$225K	0.1%	$63.90	-14.3%	—	88339J105
VIG	Vanguard Div Apprciation	1,561	$224K	0.1%	$129.22	—	—	921908844
MRK	Merck & Co	2,448	$223K	0.1%	$69.89	+13.3%	—	58933Y105
VYM	Vanguard High Dividend ETF	2,171	$221K	0.1%	$100.99	—	—	921946406
AVRE	Avantis Real Estate ETF	4,938	$219K	0.1%	$51.92	—	—	025072356
ELV	Anthem Inc	436	$210K	0.1%	$397.15	+18.2%	—	036752103
VCSH	Vanguard Short Term Corp Bond	2,686	$205K	0.1%	$76.32	—	—	92206C409
AEP	American Elec Pwr Inc	2,100	$201K	0.1%	$72.48	+19.5%	—	025537101
TMC	TMC the Metals Company Inc.	40,000	$41,000	0.0%	$1.78	-13.4%	—	87261Y106
—	Romeo Power Cl A Ord	19,437	$9,000	0.0%	$0.46	—	—	776153108