<SEC-DOCUMENT>0001086611-20-000004.txt : 20200722
<SEC-HEADER>0001086611-20-000004.hdr.sgml : 20200722
<ACCEPTANCE-DATETIME>20200722104400
ACCESSION NUMBER:		0001086611-20-000004
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20200630
FILED AS OF DATE:		20200722
DATE AS OF CHANGE:		20200722
EFFECTIVENESS DATE:		20200722

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			DERBY & COMPANY, INC
		CENTRAL INDEX KEY:			0001086611
		IRS NUMBER:				042943043
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-04811
		FILM NUMBER:		201040712

	BUSINESS ADDRESS:	
		STREET 1:		7 WELLS AVENUE
		CITY:			NEWTON
		STATE:			MA
		ZIP:			02459
		BUSINESS PHONE:		6175270033

	MAIL ADDRESS:	
		STREET 1:		7 WELLS AVENUE
		CITY:			NEWTON
		STATE:			MA
		ZIP:			02459

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	DERBY & CO L P
		DATE OF NAME CHANGE:	19990517
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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        <credentials>
          <cik>0001086611</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2020</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2020</reportCalendarOrQuarter>
      <filingManager>
        <name>DERBY &amp; COMPANY, INC</name>
        <address>
          <com:street1>7 WELLS AVENUE</com:street1>
          <com:city>NEWTON</com:city>
          <com:stateOrCountry>MA</com:stateOrCountry>
          <com:zipCode>02459</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-04811</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Jonathan Derby</name>
      <title>CCO</title>
      <phone>617-845-5019</phone>
      <signature>Jonathan Derby</signature>
      <city>Newton</city>
      <stateOrCountry>MA</stateOrCountry>
      <signatureDate>07-22-2020</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>310286</tableEntryTotal>
      <tableValueTotal>310286</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>DerbyQ2.xml
<DESCRIPTION>DERBY 13F Q2
<TEXT>
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      <sshPrnamt>4087</sshPrnamt>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <cusip>478160104</cusip>
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      <None>1968</None>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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      <Shared>0</Shared>
      <None>1027</None>
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  <infoTable>
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      <None>261384</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>140117</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>3418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37478</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SR</titleOfClass>
    <cusip>78468R739</cusip>
    <value>6141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123137</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>090572207</cusip>
    <value>587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1300</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3184</None>
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    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>43487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>304107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>592688105</cusip>
    <value>649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>806</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>INTL DIVI ACHI</titleOfClass>
    <cusip>46137V548</cusip>
    <value>748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61486</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>8072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84346</None>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11511</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6966</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>2160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27413</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>2580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22359</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BRC MUNIC</titleOfClass>
    <cusip>78468R721</cusip>
    <value>2479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47983</None>
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  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550021109</cusip>
    <value>500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1602</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>8106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74218</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RESIDNL REAL EST</titleOfClass>
    <cusip>464288562</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9823</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>FTSE RAFI EMNG</titleOfClass>
    <cusip>46138E727</cusip>
    <value>4199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>242866</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>12036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>111588</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1214</None>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>13640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>134137</None>
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    <nameOfIssuer>GOLUB CAP BDC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38173M102</cusip>
    <value>11621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>997487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>997487</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 VAL IDX FD</titleOfClass>
    <cusip>921932703</cusip>
    <value>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3395</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LPL FINL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50212V100</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>1699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20937</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5828</None>
    </votingAuthority>
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    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Shared>0</Shared>
      <None>1583</None>
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    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5136</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>1490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
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      <Shared>0</Shared>
      <None>27525</None>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>