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 32,082 488,452 SH   SOLE   0 0 488,452
SPDR S&P 500 ETF 78462F103 11,497 26,859 SH   SOLE   0 0 26,859
Vanguard Total Stock Market ETF 922908769 10,068 45,186 SH   SOLE   0 0 45,186
Vanguard Interm. Treasuries ETF 92206C706 9,945 146,653 SH   SOLE   0 0 146,653
iShares Russell 2000 ETF 464287655 7,482 32,619 SH   SOLE   0 0 32,619
SPDR Doubleline Ttl Rtrn ETF 78467V848 6,697 138,342 SH   SOLE   0 0 138,342
Vanguard Int'l Developed Marke ETF 921943858 5,668 110,023 SH   SOLE   0 0 110,023
Vanguard Total Bond Market ETF 921937835 5,251 61,135 SH   SOLE   0 0 61,135
Proshares Dividend Aristocrats ETF 74347B680 5,242 73,470 SH   SOLE   0 0 73,470
iShares Core MSCI EAFE ETF 46432F842 5,203 69,504 SH   SOLE   0 0 69,504
Vanguard Mid-Cap ETF 922908629 5,188 21,859 SH   SOLE   0 0 21,859
iShares Core S&P 500 ETF 464287200 5,131 11,934 SH   SOLE   0 0 11,934
iShares MSCI Emerging Markets ETF 464287234 5,046 91,490 SH   SOLE   0 0 91,490
ProShares Dividend Aristocrats ETF 74348A467 4,889 53,946 SH   SOLE   0 0 53,946
iShares EMU Hedged ETF ETF 46434V639 4,405 120,880 SH   SOLE   0 0 120,880
iShares Core US Aggregate Bond ETF 464287226 3,964 34,369 SH   SOLE   0 0 34,369
Vanguard Emerging Markets ETF 922042858 3,596 66,210 SH   SOLE   0 0 66,210
Invesco S&P 500 Equal Weight ETF 46137V357 3,381 22,432 SH   SOLE   0 0 22,432
Vanguard Short-Term Treasuries ETF 92206C102 3,152 51,310 SH   SOLE   0 0 51,310
iShares US Technology ETF 464287721 2,759 27,760 SH   SOLE   0 0 27,760
SPDR S&P Dividend ETF 78464A763 2,701 22,090 SH   SOLE   0 0 22,090
iShares Core MSCI Totl ETF 46432F834 2,582 35,230 SH   SOLE   0 0 35,230
iShares Core S&P Small-Cap ETF 464287804 2,560 22,659 SH   SOLE   0 0 22,659
Vanguard Dividend Appreciation ETF 921908844 2,405 15,536 SH   SOLE   0 0 15,536
iShares DJ US Real Estate ETF 464287739 2,345 22,999 SH   SOLE   0 0 22,999
iShares MSCI EAFE ETF 464287465 2,261 28,663 SH   SOLE   0 0 28,663
Vanguard Small-Cap ETF 922908751 2,200 9,764 SH   SOLE   0 0 9,764
Vanguard Short-Term Corp. Bond ETF 92206C409 2,168 26,208 SH   SOLE   0 0 26,208
iShares National Muni Bond ETF 464288414 2,030 17,319 SH   SOLE   0 0 17,319
Apple Computer EQUITY 037833100 2,013 14,697 SH   SOLE   0 0 14,697
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,789 30,650 SH   SOLE   0 0 30,650
iShares Core S&P Mid-Cap ETF 464287507 1,500 5,582 SH   SOLE   0 0 5,582
Vanguard Interm. Corp. Bond ETF 92206C870 1,407 14,797 SH   SOLE   0 0 14,797
iShares China Large-Cap ETF 464287184 1,294 27,921 SH   SOLE   0 0 27,921
Vanguard All-World ex-US ETF 922042775 1,264 19,943 SH   SOLE   0 0 19,943
iShares Russell Mid-Cap ETF 464287499 1,223 15,432 SH   SOLE   0 0 15,432
iShares Core MSCI Emerging Mkt ETF 46434G103 1,119 16,700 SH   SOLE   0 0 16,700
Vanguard High Dividend Yield ETF 921946406 853 8,138 SH   SOLE   0 0 8,138
iShares ESG Aware MSCI ETF 46435G516 747 9,456 SH   SOLE   0 0 9,456
Schwab US Dividend Equity ETF 808524797 710 9,384 SH   SOLE   0 0 9,384
Vanguard Real Estate ETF 922908553 673 6,609 SH   SOLE   0 0 6,609
SPDR Financial Select Sector ETF 81369Y605 506 13,781 SH   SOLE   0 0 13,781
Amazon Com Inc EQUITY 023135106 409 119 SH   SOLE   0 0 119
Chubb Corp. EQUITY H1467J104 396 2,494 SH   SOLE   0 0 2,494
iShares Core S&P Total ETF 464287150 386 3,911 SH   SOLE   0 0 3,911
Schwab US Broad Market ETF 808524102 366 3,507 SH   SOLE   0 0 3,507
iShares S&P NA Tec. Semi. Idx ETF 464287523 363 800 SH   SOLE   0 0 800
PowerShares FTSE RAFI US 1000 ETF 46137V613 348 2,173 SH   SOLE   0 0 2,173
Berkshire Hathaway Cl B EQUITY 084670702 344 1,236 SH   SOLE   0 0 1,236
Home Depot Inc EQUITY 437076102 342 1,074 SH   SOLE   0 0 1,074
Semiconductor Holders Tr EQUITY 92189F676 334 1,275 SH   SOLE   0 0 1,275
iShares Russell 3000 ETF 464287689 313 1,225 SH   SOLE   0 0 1,225
Microsoft EQUITY 594918104 308 1,136 SH   SOLE   0 0 1,136
Target Corporation EQUITY 87612E106 304 1,257 SH   SOLE   0 0 1,257
PowerShares Dividend Achievers ETF 46137V506 291 8,025 SH   SOLE   0 0 8,025
iShares Cohen & Steers REIT ETF 464287564 285 4,357 SH   SOLE   0 0 4,357
iShares TIPS Bond ETF 464287176 270 2,112 SH   SOLE   0 0 2,112
Tesla Motors Inc EQUITY 88160R101 268 395 SH   SOLE   0 0 395
Peoples United EQUITY 712704105 246 14,363 SH   SOLE   0 0 14,363
Willis Towers Watson EQUITY G96629103 243 1,055 SH   SOLE   0 0 1,055
iShares Residential Real Estat ETF 464288562 229 2,742 SH   SOLE   0 0 2,742
Vanguard S&P 500 ETF ETF 922908363 219 556 SH   SOLE   0 0 556
Schwab Fundamental US Large Co ETF 808524771 217 3,961 SH   SOLE   0 0 3,961
Starbucks Corp EQUITY 855244109 216 1,931 SH   SOLE   0 0 1,931
3M Company EQUITY 88579Y101 212 1,066 SH   SOLE   0 0 1,066
iShares Core US Growth ETF 464287671 202 2,000 SH   SOLE   0 0 2,000
U S Silica Hldgs Inc EQUITY 90346E103 121 10,425 SH   SOLE   0 0 10,425
General Electric EQUITY 369604103 137 10,172 SH   SOLE   0 0 10,172