The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Vanguard Total Int'l Stock ETF 921909768 29,320 487,362 SH   SOLE   0 0 487,362
Vanguard Interm. Treasuries ETF 92206C706 12,066 173,812 SH   SOLE   0 0 173,812
SPDR S&P 500 ETF 78462F103 10,270 27,470 SH   SOLE   0 0 27,470
Vanguard Total Stock Market ETF 922908769 8,890 45,672 SH   SOLE   0 0 45,672
SPDR Doubleline Ttl Rtrn ETF 78467V848 7,236 146,843 SH   SOLE   0 0 146,843
Vanguard Total Bond Market ETF 921937835 5,416 61,416 SH   SOLE   0 0 61,416
Vanguard Mid-Cap ETF 922908629 5,233 25,308 SH   SOLE   0 0 25,308
iShares Russell 2000 ETF 464287655 5,025 25,630 SH   SOLE   0 0 25,630
Proshares Dividend Aristocrats ETF 74347B680 4,950 78,716 SH   SOLE   0 0 78,716
iShares Core US Aggregate Bond ETF 464287226 4,697 39,745 SH   SOLE   0 0 39,745
iShares Core MSCI EAFE ETF 46432F842 4,686 67,824 SH   SOLE   0 0 67,824
ProShares Dividend Aristocrats ETF 74348A467 4,680 58,591 SH   SOLE   0 0 58,591
iShares Core S&P 500 ETF 464287200 4,515 12,026 SH   SOLE   0 0 12,026
Vanguard Int'l Developed Marke ETF 921943858 4,278 90,607 SH   SOLE   0 0 90,607
iShares EMU Hedged ETF ETF 46434V639 4,214 135,112 SH   SOLE   0 0 135,112
Vanguard Short-Term Treasuries ETF 92206C102 3,958 64,256 SH   SOLE   0 0 64,256
iShares MSCI Emerging Markets ETF 464287234 3,760 72,760 SH   SOLE   0 0 72,760
Vanguard Emerging Markets ETF 922042858 2,999 59,847 SH   SOLE   0 0 59,847
iShares US Technology ETF 464287721 2,864 33,660 SH   SOLE   0 0 33,660
iShares Core MSCI Totl ETF 46432F834 2,634 39,199 SH   SOLE   0 0 39,199
SPDR S&P Dividend ETF 78464A763 2,606 24,597 SH   SOLE   0 0 24,597
iShares National Muni Bond ETF 464288414 2,582 22,033 SH   SOLE   0 0 22,033
Vanguard Dividend Appreciation ETF 921908844 2,448 17,338 SH   SOLE   0 0 17,338
iShares MSCI EAFE ETF 464287465 2,213 30,336 SH   SOLE   0 0 30,336
Apple Computer EQUITY 037833100 2,064 15,555 SH   SOLE   0 0 15,555
Vanguard Interm. Corp. Bond ETF 92206C870 1,965 20,232 SH   SOLE   0 0 20,232
Invesco S&P 500 Equal Weight ETF 46137V357 1,864 14,612 SH   SOLE   0 0 14,612
iShares Core S&P Small-Cap ETF 464287804 1,859 20,233 SH   SOLE   0 0 20,233
Vanguard Short-Term Corp. Bond ETF 92206C409 1,788 21,474 SH   SOLE   0 0 21,474
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,774 32,661 SH   SOLE   0 0 32,661
iShares Core S&P Mid-Cap ETF 464287507 1,488 6,474 SH   SOLE   0 0 6,474
iShares China Large-Cap ETF 464287184 1,481 31,904 SH   SOLE   0 0 31,904
iShares Core MSCI Emerging Mkt ETF 46434G103 1,204 19,400 SH   SOLE   0 0 19,400
Vanguard All-World ex-US ETF 922042775 1,173 20,104 SH   SOLE   0 0 20,104
iShares Russell Mid-Cap ETF 464287499 1,058 15,432 SH   SOLE   0 0 15,432
Ishares Esg Aware Msci ETF 46435G516 834 11,416 SH   SOLE   0 0 11,416
Vanguard Small-Cap ETF 922908751 809 4,158 SH   SOLE   0 0 4,158
Vanguard High Dividend Yield ETF 921946406 745 8,138 SH   SOLE   0 0 8,138
Schwab US Dividend Equity ETF 808524797 602 9,384 SH   SOLE   0 0 9,384
Vanguard Real Estate ETF 922908553 572 6,740 SH   SOLE   0 0 6,740
Home Depot Inc EQUITY 437076102 491 1,848 SH   SOLE   0 0 1,848
Ishares Core S&P Total ETF 464287150 363 4,209 SH   SOLE   0 0 4,209
Schwab US Broad Market ETF 808524102 363 3,992 SH   SOLE   0 0 3,992
Amazon Com Inc EQUITY 023135106 362 111 SH   SOLE   0 0 111
SPDR Financial Select Sector ETF 81369Y605 324 10,992 SH   SOLE   0 0 10,992
iShares S&P NA Tec. Semi. Idx ETF 464287523 303 800 SH   SOLE   0 0 800
American Express Company EQUITY 025816109 296 2,449 SH   SOLE   0 0 2,449
Berkshire Hathaway Cl B EQUITY 084670702 287 1,236 SH   SOLE   0 0 1,236
Tesla Motors Inc EQUITY 88160R101 279 395 SH   SOLE   0 0 395
iShares Russell 3000 ETF 464287689 270 1,208 SH   SOLE   0 0 1,208
PowerShares FTSE RAFI US 1000 ETF 46137V613 268 2,008 SH   SOLE   0 0 2,008
PowerShares Dividend Achievers ETF 46137V506 264 8,025 SH   SOLE   0 0 8,025
Direxion Work From Home ETF 25460G773 251 3,721 SH   SOLE   0 0 3,721
Microsoft EQUITY 594918104 223 1,000 SH   SOLE   0 0 1,000
Peoples United EQUITY 712704105 222 17,139 SH   SOLE   0 0 17,139
Willis Towers Watson EQUITY G96629103 222 1,055 SH   SOLE   0 0 1,055
Target Corporation EQUITY 87612E106 222 1,257 SH   SOLE   0 0 1,257
Vanguard S&P 500 ETF ETF 922908363 212 618 SH   SOLE   0 0 618
iShares Cohen & Steers REIT ETF 464287564 208 3,857 SH   SOLE   0 0 3,857
Starbucks Corp EQUITY 855244109 207 1,931 SH   SOLE   0 0 1,931
General Electric EQUITY 369604103 112 10,351 SH   SOLE   0 0 10,351