Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VTI	Vanguard Total Stock Mkt	402,851	$72.3M	19.5%	$123.37	—	ETF	922908769
BSV	Vanguard ST Bond Idx ETF	728,012	$54.47M	14.7%	$80.95	—	ETF	921937827
BIV	Vanguard Interm Bond Index ETF	334,277	$24.56M	6.6%	$86.15	—	ETF	921937819
SPY	SPDR Trust (S&P 500)	40,115	$14.33M	3.9%	$227.24	—	ETF	78462F103
IWV	Russell 3000	56,249	$11.65M	3.1%	$121.23	—	ETF	464287689
ESGV	Vanguard ESG U.S. Stock ETF	159,422	$10.03M	2.7%	$53.79	—	ETF	921910733
AVDE	Avantis International Equity ETF	206,387	$9.415M	2.5%	$48.38	—	ETF	025072703
ICSH	iShares Ultra Short-Term Bond ETF	178,086	$8.906M	2.4%	$50.10	—	ETF	46434V878
VTV	Vanguard Value	67,119	$8.288M	2.2%	$106.43	—	ETF	922908744
DFUV	DFA Tax-Managed US Marketwide Value II	252,332	$7.472M	2.0%	$31.60	—	ETF	25434V724
IWM	Russell 2000/Small Blend	38,781	$6.396M	1.7%	$125.62	—	ETF	464287655
AAPL	Apple Computer Inc	46,240	$6.39M	1.7%	$139.69	+10.4%	COM	037833100
VUG	Vanguard Growth	29,644	$6.342M	1.7%	$204.88	—	ETF	922908736
BND	Vanguard Total Bond	85,605	$6.106M	1.6%	$81.20	—	ETF	921937835
DFAI	DFA Int'l Core Equity ETF	279,828	$6.036M	1.6%	$28.52	—	ETF	25434V203
DFAE	DFA Core Emerging Mkt ETF	261,345	$5.25M	1.4%	$22.70	—	ETF	25434V302
VSGX	Vanguard ESG Int'l ETF	116,005	$5.039M	1.4%	$49.61	—	ETF	921910725
SUB	iShares Short-Term National Muni Bond	48,774	$5.007M	1.3%	$104.45	—	ETF	464288158
DFAU	DFA US Core Equity ETF	188,368	$4.737M	1.3%	$29.18	—	ETF	25434V104
MDY	Mid Cap S P D R TRUST	10,275	$4.127M	1.1%	$331.26	—	ETF	78467Y107
SCHO	SCHWAB STRATEGIC TR SHT TM US TRES ETF	71,860	$3.468M	0.9%	$49.30	—	ETF	808524862
DFAT	DFA U.S. Small Cap Value (TM)	85,373	$3.327M	0.9%	$44.79	—	ETF	25434V609
IWD	Russell 1000/ Lrg. Value	24,456	$3.326M	0.9%	$105.14	—	ETF	464287598
VNQ	Vanguard Reit	41,112	$3.296M	0.9%	$82.85	—	ETF	922908553
VTHR	Vanguard Russell 3000 ETF	19,459	$3.135M	0.8%	$146.37	—	ETF	92206C599
SCHB	Schw US Brd Mkt Etf	72,256	$3.034M	0.8%	$47.76	—	ETF	808524102
AGG	iShares Aggregate Bond Fd	28,657	$2.761M	0.7%	$108.81	—	ETF	464287226
DFNM	Dimensional National Munpl Bond ETF	51,853	$2.419M	0.7%	$48.22	—	ETF	25434V849
REET	iShares Global REIT ETF	104,367	$2.22M	0.6%	$22.61	—	ETF	46434V647
IVW	iShares S&P 500 Growth	37,555	$2.173M	0.6%	$76.19	—	ETF	464287309
IWF	Russell 1000/ Lrg. Growth	9,723	$2.046M	0.6%	$106.18	—	ETF	464287614
IVV	iShares S&P 500 Index	5,650	$2.026M	0.5%	$304.33	—	ETF	464287200
VTIP	Vanguard Shrt Inf Prot	41,575	$2M	0.5%	$52.33	—	ETF	922020805
PEP	Pepsico Incorporated	12,242	$1.999M	0.5%	$139.32	+10.8%	COM	713448108
SO	The Southern Company	24,603	$1.673M	0.5%	$49.00	+36.6%	COM	842587107
IGIB	ISHARES TRUST INTRM TR CRP ETF	34,200	$1.651M	0.4%	$48.27	—	ETF	464288638
DFIV	DFA Tax Managed Intl	54,917	$1.415M	0.4%	$32.45	—	ETF	25434V807
XOM	Exxon Mobil Corporation	15,176	$1.325M	0.4%	$42.00	+93.7%	COM	30231G102
TIP	BGI i Shares/TIPS	12,557	$1.317M	0.4%	$127.86	—	ETF	464287176
JNJ	Johnson & Johnson	7,843	$1.281M	0.3%	$140.23	+9.0%	COM	478160104
FRME	First Merchants Corp	32,805	$1.269M	0.3%	$38.60	-9.8%	COM	320817109
ABBV	Abbvie Inc	9,318	$1.251M	0.3%	$88.17	+44.2%	COM	00287Y109
BRK/A	Berkshire Hathaway Inc Del	3	$1.219M	0.3%	$430805.34	-0.6%	COM	084670108
MSFT	Microsoft Corp	5,220	$1.216M	0.3%	$226.46	+13.4%	COM	594918104
AVEM	Avantis Emerging Markets EQ ETF	23,901	$1.098M	0.3%	$50.58	—	ETF	025072604
BNDX	Vanguard Total Internatl	22,309	$1.065M	0.3%	$54.19	—	ETF	92203J407
TSLA	Tesla Motors Inc	3,906	$1.036M	0.3%	$277.01	+0.8%	ETF	88160R101
AVSU	Avantis Responsible US Equity ETF	24,010	$1.02M	0.3%	$42.48	—	ETF	025072281
VONV	Vanguard Russell 1000	16,809	$1.003M	0.3%	$78.33	—	ETF	92206C714
NVO	Novo-Nordisk A-S	10,000	$996K	0.3%	$69.90	—	COM	670100205
IVE	iShares S&P 500 Value	7,541	$969K	0.3%	$97.82	—	ETF	464287408
VCSH	Vanguard Short Term Corp Bond	12,849	$954K	0.3%	$74.68	—	ETF	92206C409
SCHP	Sch US Tips Etf	18,309	$948K	0.3%	$55.72	—	ETF	808524870
KO	Coca Cola Company	16,513	$925K	0.2%	$44.07	+27.2%	COM	191216100
QQQ	Invesco QQQ Trust	3,377	$903K	0.2%	$224.74	—	ETF	46090E103
MCD	Mc Donalds Corp	3,723	$859K	0.2%	$217.26	+8.8%	COM	580135101
NOC	Northrop Grumman Corp	1,823	$857K	0.2%	$114.24	+294.5%	COM	666807102
LLY	Lilly Eli & Company	2,643	$855K	0.2%	$139.39	+121.0%	COM	532457108
SHY	iShares Tr Barclays Bond	10,450	$849K	0.2%	$85.96	—	ETF	464287457
VXUS	Vanguard Total Intl Etf	17,570	$804K	0.2%	$54.34	—	ETF	921909768
ABT	Abbott Laboratories	8,123	$786K	0.2%	$103.79	-3.6%	COM	002824100
IWB	iShares Russell 1000	3,927	$775K	0.2%	$114.63	—	ETF	464287622
EFA	iShares MSCI/EAFE Index	13,776	$772K	0.2%	$63.93	—	ETF	464287465
VBR	Vanguard Small Cap Value	5,014	$719K	0.2%	$145.22	—	ETF	922908611
EEM	iShares MSCI Emrg Mkt	20,506	$715K	0.2%	$42.67	—	ETF	464287234
AMZN	Amazon Com Inc	6,080	$687K	0.2%	$126.22	+0.1%	COM	023135106
PG	Procter & Gamble Co	4,980	$629K	0.2%	$122.86	+6.3%	COM	742718109
ITOT	iShares Core S&P Total US Stock Mkt ETF	7,842	$624K	0.2%	$100.61	—	ETF	464287150
ACN	Accenture Plc Cl A	2,315	$596K	0.2%	$259.11	+6.0%	COM	G1151C101
PFE	Pfizer Incorporated	13,333	$583K	0.2%	$35.06	+15.3%	COM	717081103
BMY	Bristol-Myers Squibb Co	8,191	$582K	0.2%	$53.32	+16.8%	COM	110122108
V	Visa Inc Cl A	3,232	$574K	0.2%	$192.61	+3.0%	COM	92826C839
VWO	Vanguard Emerging Market	15,324	$559K	0.2%	$43.09	—	ETF	922042858
VOO	Vanguard S&P 500 Etf	1,645	$540K	0.1%	$285.54	—	ETF	922908363
AVUV	Avantis US Small Cap Value ETF	7,925	$524K	0.1%	$75.69	—	ETF	025072877
BRK/B	Berkshire Hathaway B New	1,964	$524K	0.1%	$200.50	+41.9%	COM	084670702
SCHF	Schw Intl Eq Etf	18,624	$524K	0.1%	$28.14	—	ETF	808524805
MUB	Ishares Nationl Muni Bond	4,948	$508K	0.1%	$115.80	—	ETF	464288414
SCHR	SCHWAB STRATEGIC TR INTRM TRM TRES ETF	10,271	$505K	0.1%	$56.40	—	ETF	808524854
DFUS	DFA U.S. Equity ETF	12,727	$494K	0.1%	$47.12	—	ETF	25434V401
IWN	Russell 2000/ Small Value	3,816	$492K	0.1%	$107.51	—	ETF	464287630
VZ	Verizon Communications	12,690	$482K	0.1%	$40.63	-12.0%	COM	92343V104
SCHV	Schwab US Large Cap	8,105	$474K	0.1%	$61.56	—	ETF	808524409
AVSD	AVANTIS RESPONSBL INTRL EQTY ETF	11,424	$461K	0.1%	$40.35	—	COM	025072299
AVUS	AVANTIS US EQUITY ETF	7,269	$453K	0.1%	$65.07	—	ETF	025072885
SCHE	Schw Emg Mkt Eq Etf	19,562	$438K	0.1%	$25.64	—	ETF	808524706
VONG	Vanguard Russell 1000 Growth ETF	7,985	$433K	0.1%	$56.23	—	ETF	92206C680
DTE	DTE Energy Company	3,664	$422K	0.1%	$95.42	+20.3%	COM	233331107
ENB	Enbridge Inc	11,193	$415K	0.1%	$22.71	+48.9%	COM	29250N105
EAGG	Ishares Esg U.S. Agg Bond	8,907	$414K	0.1%	$46.48	—	ETF	46435U549
SRE	Sempra Energy	2,755	$413K	0.1%	$57.26	+26.6%	ETF	816851109
TMO	Thermo Electron Corp	802	$407K	0.1%	$468.86	+18.2%	COM	883556102
YUM	Yum! Brands Inc	3,744	$398K	0.1%	$99.25	+9.6%	COM	988498101
MA	Mastercard Inc	1,390	$395K	0.1%	$323.35	+0.6%	COM	57636Q104
IEMG	Ishares Core Msci	8,928	$384K	0.1%	$52.58	—	ETF	46434G103
GOOGL	Google Inc. Class A	3,820	$365K	0.1%	$110.46	-0.4%	COM	02079K305
AVRE	Avantis Real Estate ETF	9,247	$361K	0.1%	$45.92	—	ETF	025072356
CSX	C S X Corp	13,500	$360K	0.1%	$30.36	-2.5%	COM	126408103
AROW	Arrow Financial Corp	12,148	$350K	0.1%	$23.19	+17.8%	COM	042744102
ICF	iShares C&S Real Estate	6,507	$349K	0.1%	$76.75	—	ETF	464287564
BX	Blackstone Group Lp	4,101	$343K	0.1%	$76.25	+14.5%	ETF	09260D107
NKE	Nike Inc Class B	4,088	$340K	0.1%	$55.26	+83.8%	COM	654106103
DFSV	Dimensional US Small Cap Value ETF	15,271	$333K	0.1%	$22.32	—	ETF	25434V815
ED	Consolidated Edison Inc	3,783	$324K	0.1%	$69.59	+23.4%	COM	209115104
TTD	The Trade Desk Inc	5,360	$320K	0.1%	$63.90	-10.9%	COM	88339J105
CCI	Crown Castle Intl Corp	2,200	$318K	0.1%	$150.03	-5.0%	COM	22822V101
DUK	Duke Energy Corporation	3,403	$317K	0.1%	$80.62	+16.6%	COM	26441C204
VGT	Vanguard Info Technology	1,020	$314K	0.1%	$357.04	—	ETF	92204A702
QCOM	Qualcomm Inc	2,687	$304K	0.1%	$125.01	+1.6%	COM	747525103
SUSB	Ishares Esg 1 5 Yr Usd	12,895	$303K	0.1%	$23.50	—	ETF	46435G243
VV	Vanguard Large Cap Etf	1,674	$274K	0.1%	$171.47	—	ETF	922908637
VEA	Vanguard Msci Eafe Etf	7,499	$273K	0.1%	$36.40	—	ETF	921943858
DE	Deere & Co	818	$273K	0.1%	$232.12	+40.7%	COM	244199105
INTU	Intuit Inc	694	$269K	0.1%	$575.96	-26.6%	COM	461202103
DFAS	DFA U.S. Small Cap (TM)	5,775	$269K	0.1%	$58.84	—	ETF	25434V500
WY	Weyerhaeuser Co	9,057	$259K	0.1%	$28.58	+5.4%	COM	962166104
VO	Vanguard Mid Cap	1,374	$258K	0.1%	$238.13	—	ETF	922908629
RTX	Raytheon Technologies Ord	3,097	$254K	0.1%	$63.92	+31.2%	COM	75513E101
DIA	SPDR Dow Jones Industrial Average ETF	859	$247K	0.1%	$258.44	—	ETF	78467X109
ZTS	Zoetis Inc	1,666	$247K	0.1%	$152.12	+6.1%	COM	98978V103
VCIT	Vanguard Intermediate	3,244	$245K	0.1%	$75.52	—	ETF	92206C870
COST	Costco Whsl Corp New	518	$245K	0.1%	$488.10	+2.0%	COM	22160K105
MRK	Merck & Co	2,782	$240K	0.1%	$71.16	+13.0%	COM	58933Y105
SCHA	Schw US Scap Etf	6,232	$236K	0.1%	$37.87	—	ETF	808524607
CMCSA	Comcast Corp New Cl A	7,980	$234K	0.1%	$35.14	-4.2%	COM	20030N101
IAU	iShares Gold	7,373	$232K	0.1%	$34.05	—	ETF	464285204
TMV	Direxion Daily 20 - Yr Trsy Bear 3X ETF	1,600	$214K	0.1%	$133.75	—	ETF	25460G849
VIG	Vanguard Div Apprciation	1,561	$211K	0.1%	$129.22	—	ETF	921908844
VYM	Vanguard High Dividend ETF	2,171	$206K	0.1%	$100.99	—	ETF	921946406
YUMC	Yum China Holdings I	3,628	$172K	0.0%	$48.03	0.0%	COM	98850P109
SCHX	Schwab US Large Cap Etf	3,492	$148K	0.0%	$42.38	—	ETF	808524201
TMC	TMC THE METALS COMPANY ORD	40,000	$42,000	0.0%	$1.78	-45.9%	COM	87261Y106