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 30,270 482,776 SH   SOLE   0 0 482,776
SPDR S&P 500 ETF 78462F103 10,791 27,228 SH   SOLE   0 0 27,228
Vanguard Interm. Treasuries ETF 92206C706 10,650 158,417 SH   SOLE   0 0 158,417
Vanguard Total Stock Market ETF 922908769 9,843 47,622 SH   SOLE   0 0 47,622
SPDR Doubleline Ttl Rtrn ETF 78467V848 6,707 139,112 SH   SOLE   0 0 139,112
iShares Russell 2000 ETF 464287655 6,627 29,993 SH   SOLE   0 0 29,993
Proshares Dividend Aristocrats ETF 74347B680 5,628 80,774 SH   SOLE   0 0 80,774
Vanguard Total Bond Market ETF 921937835 5,567 65,708 SH   SOLE   0 0 65,708
Vanguard Mid-Cap ETF 922908629 5,172 23,366 SH   SOLE   0 0 23,366
iShares MSCI Emerging Markets ETF 464287234 5,075 95,148 SH   SOLE   0 0 95,148
ProShares Dividend Aristocrats ETF 74348A467 4,907 56,888 SH   SOLE   0 0 56,888
iShares Core MSCI EAFE ETF 46432F842 4,899 67,996 SH   SOLE   0 0 67,996
Vanguard Int'l Developed Marke ETF 921943858 4,791 97,549 SH   SOLE   0 0 97,549
iShares Core S&P 500 ETF 464287200 4,561 11,464 SH   SOLE   0 0 11,464
iShares EMU Hedged ETF ETF 46434V639 4,399 128,466 SH   SOLE   0 0 128,466
iShares Core US Aggregate Bond ETF 464287226 4,024 35,353 SH   SOLE   0 0 35,353
Vanguard Short-Term Treasuries ETF 92206C102 3,887 63,191 SH   SOLE   0 0 63,191
Vanguard Emerging Markets ETF 922042858 3,452 66,329 SH   SOLE   0 0 66,329
iShares US Technology ETF 464287721 2,952 33,660 SH   SOLE   0 0 33,660
SPDR S&P Dividend ETF 78464A763 2,678 22,693 SH   SOLE   0 0 22,693
iShares Core MSCI Totl ETF 46432F834 2,608 37,106 SH   SOLE   0 0 37,106
Invesco S&P 500 Equal Weight ETF 46137V357 2,444 17,250 SH   SOLE   0 0 17,250
Vanguard Dividend Appreciation ETF 921908844 2,364 16,076 SH   SOLE   0 0 16,076
iShares MSCI EAFE ETF 464287465 2,174 28,657 SH   SOLE   0 0 28,657
Vanguard Short-Term Corp. Bond ETF 92206C409 2,156 26,133 SH   SOLE   0 0 26,133
iShares National Muni Bond ETF 464288414 2,133 18,380 SH   SOLE   0 0 18,380
Vanguard Small-Cap ETF 922908751 2,069 9,666 SH   SOLE   0 0 9,666
iShares China Large-Cap ETF 464287184 2,045 43,824 SH   SOLE   0 0 43,824
iShares Core S&P Small-Cap ETF 464287804 2,032 18,727 SH   SOLE   0 0 18,727
Apple Computer EQUITY 037833100 1,771 14,496 SH   SOLE   0 0 14,496
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,769 31,728 SH   SOLE   0 0 31,728
iShares Core S&P Mid-Cap ETF 464287507 1,595 6,126 SH   SOLE   0 0 6,126
Vanguard Interm. Corp. Bond ETF 92206C870 1,415 15,206 SH   SOLE   0 0 15,206
Vanguard All-World ex-US ETF 922042775 1,209 19,921 SH   SOLE   0 0 19,921
iShares Russell Mid-Cap ETF 464287499 1,141 15,432 SH   SOLE   0 0 15,432
iShares Core MSCI Emerging Mkt ETF 46434G103 1,075 16,700 SH   SOLE   0 0 16,700
Ishares Esg Aware Msci ETF 46435G516 1,022 13,463 SH   SOLE   0 0 13,463
Vanguard High Dividend Yield ETF 921946406 823 8,138 SH   SOLE   0 0 8,138
Schwab US Dividend Equity ETF 808524797 684 9,384 SH   SOLE   0 0 9,384
Vanguard Real Estate ETF 922908553 583 6,350 SH   SOLE   0 0 6,350
Home Depot Inc EQUITY 437076102 564 1,848 SH   SOLE   0 0 1,848
SPDR Financial Select Sector ETF 81369Y605 399 11,720 SH   SOLE   0 0 11,720
Chubb Corp. EQUITY H1467J104 394 2,494 SH   SOLE   0 0 2,494
Ishares Core S&P Total ETF 464287150 386 4,209 SH   SOLE   0 0 4,209
Amazon Com Inc EQUITY 023135106 343 111 SH   SOLE   0 0 111
iShares S&P NA Tec. Semi. Idx ETF 464287523 339 800 SH   SOLE   0 0 800
Schwab US Broad Market ETF 808524102 339 3,507 SH   SOLE   0 0 3,507
PowerShares FTSE RAFI US 1000 ETF 46137V613 330 2,173 SH   SOLE   0 0 2,173
Berkshire Hathaway Cl B EQUITY 084670702 316 1,236 SH   SOLE   0 0 1,236
Semiconductor Holders Tr ETF 92189F676 301 1,235 SH   SOLE   0 0 1,235
iShares Russell 3000 ETF 464287689 291 1,225 SH   SOLE   0 0 1,225
PowerShares Dividend Achievers ETF 46137V506 278 8,025 SH   SOLE   0 0 8,025
Peoples United EQUITY 712704105 267 14,892 SH   SOLE   0 0 14,892
Tesla Motors Inc EQUITY 88160R101 264 395 SH   SOLE   0 0 395
iShares TIPS Bond ETF 464287176 259 2,063 SH   SOLE   0 0 2,063
Direxion Work From Home ETF 25460G773 254 3,721 SH   SOLE   0 0 3,721
Target Corporation EQUITY 87612E106 249 1,257 SH   SOLE   0 0 1,257
iShares Cohen & Steers REIT ETF 464287564 245 4,237 SH   SOLE   0 0 4,237
Willis Towers Watson EQUITY G96629103 241 1,055 SH   SOLE   0 0 1,055
Microsoft EQUITY 594918104 236 1,001 SH   SOLE   0 0 1,001
Vanguard S&P 500 ETF ETF 922908363 225 618 SH   SOLE   0 0 618
Starbucks Corp EQUITY 855244109 211 1,931 SH   SOLE   0 0 1,931
A T & T EQUITY 00206R102 207 6,834 SH   SOLE   0 0 6,834
3M Company EQUITY 88579Y101 205 1,066 SH   SOLE   0 0 1,066
Schwab Fundamental US Large Co ETF 808524771 204 3,951 SH   SOLE   0 0 3,951
iShares Residential Real Estat ETF 464288562 201 2,710 SH   SOLE   0 0 2,710
U S Silica Hldgs Inc EQUITY 90346E103 148 12,018 SH   SOLE   0 0 12,018
General Electric EQUITY 369604103 133 10,164 SH   SOLE   0 0 10,164
American Lithium Crp EQUITY 53680Q207 19 10,000 SH   SOLE   0 0 10,000