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 32,251 509,812 SH   SOLE   0 0 509,812
SPDR S&P 500 ETF 78462F103 11,744 27,365 SH   SOLE   0 0 27,365
Vanguard Total Stock Market ETF 922908769 10,336 46,545 SH   SOLE   0 0 46,545
Vanguard Interm. Treasuries ETF 92206C706 9,300 137,675 SH   SOLE   0 0 137,675
iShares Russell 2000 ETF 464287655 7,315 33,442 SH   SOLE   0 0 33,442
iShares EMU Hedged ETF ETF 46434V639 6,150 170,536 SH   SOLE   0 0 170,536
SPDR Doubleline Ttl Rtrn ETF 78467V848 6,098 126,207 SH   SOLE   0 0 126,207
Vanguard Int'l Developed Marke ETF 921943858 6,059 120,010 SH   SOLE   0 0 120,010
Proshares Dividend Aristocrats ETF 74347B680 5,984 88,322 SH   SOLE   0 0 88,322
Vanguard Total Bond Market ETF 921937835 5,977 69,949 SH   SOLE   0 0 69,949
ProShares Dividend Aristocrats ETF 74348A467 5,756 65,016 SH   SOLE   0 0 65,016
iShares Core S&P 500 ETF 464287200 5,370 12,464 SH   SOLE   0 0 12,464
Vanguard Mid-Cap ETF 922908629 5,355 22,619 SH   SOLE   0 0 22,619
iShares Core MSCI EAFE ETF 46432F842 5,352 72,087 SH   SOLE   0 0 72,087
iShares MSCI Emerging Markets ETF 464287234 4,584 90,990 SH   SOLE   0 0 90,990
iShares Core US Aggregate Bond ETF 464287226 3,896 33,930 SH   SOLE   0 0 33,930
Invesco S&P 500 Equal Weight ETF 46137V357 3,834 25,591 SH   SOLE   0 0 25,591
Vanguard Emerging Markets ETF 922042858 3,396 67,904 SH   SOLE   0 0 67,904
Vanguard Short-Term Treasuries ETF 92206C102 2,898 47,196 SH   SOLE   0 0 47,196
iShares US Technology ETF 464287721 2,811 27,760 SH   SOLE   0 0 27,760
Vanguard Short-Term Corp. Bond ETF 92206C409 2,711 32,900 SH   SOLE   0 0 32,900
iShares Core S&P Small-Cap ETF 464287804 2,615 23,949 SH   SOLE   0 0 23,949
iShares DJ US Real Estate ETF 464287739 2,606 25,448 SH   SOLE   0 0 25,448
SPDR S&P Dividend ETF 78464A763 2,593 22,063 SH   SOLE   0 0 22,063
iShares Core MSCI Totl ETF 46432F834 2,525 35,559 SH   SOLE   0 0 35,559
iShares National Muni Bond ETF 464288414 2,267 19,518 SH   SOLE   0 0 19,518
Vanguard Dividend Appreciation ETF 921908844 2,260 14,712 SH   SOLE   0 0 14,712
iShares MSCI EAFE ETF 464287465 2,236 28,663 SH   SOLE   0 0 28,663
Vanguard Small-Cap ETF 922908751 2,133 9,753 SH   SOLE   0 0 9,753
Apple Computer EQUITY 037833100 2,105 14,877 SH   SOLE   0 0 14,877
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,741 30,921 SH   SOLE   0 0 30,921
iShares Core S&P Mid-Cap ETF 464287507 1,467 5,576 SH   SOLE   0 0 5,576
Vanguard Interm. Corp. Bond ETF 92206C870 1,394 14,766 SH   SOLE   0 0 14,766
Vanguard All-World ex-US ETF 922042775 1,216 19,943 SH   SOLE   0 0 19,943
iShares Russell Mid-Cap ETF 464287499 1,207 15,432 SH   SOLE   0 0 15,432
SPDR Financial Select Sector ETF 81369Y605 1,058 28,189 SH   SOLE   0 0 28,189
iShares Core MSCI Emerging Mkt ETF 46434G103 1,031 16,700 SH   SOLE   0 0 16,700
Vanguard High Dividend Yield ETF 921946406 841 8,138 SH   SOLE   0 0 8,138
K K R Real Estate Finance Trus EQUITY 48251K100 801 37,940 SH   SOLE   0 0 37,940
Vanguard Real Estate ETF 922908553 781 7,672 SH   SOLE   0 0 7,672
iShares ESG Aware MSCI ETF 46435G516 741 9,456 SH   SOLE   0 0 9,456
Schwab US Dividend Equity ETF 808524797 697 9,384 SH   SOLE   0 0 9,384
Semiconductor Holders Tr EQUITY 92189F676 486 1,896 SH   SOLE   0 0 1,896
Chubb Corp. EQUITY H1467J104 433 2,494 SH   SOLE   0 0 2,494
iShares Core S&P Total ETF 464287150 374 3,803 SH   SOLE   0 0 3,803
Schwab US Broad Market ETF 808524102 364 3,507 SH   SOLE   0 0 3,507
iShares S&P NA Tec. Semi. Idx ETF 464287523 357 800 SH   SOLE   0 0 800
Home Depot Inc EQUITY 437076102 353 1,074 SH   SOLE   0 0 1,074
PowerShares FTSE RAFI US 1000 ETF 46137V613 344 2,173 SH   SOLE   0 0 2,173
Amazon Com Inc EQUITY 023135106 342 104 SH   SOLE   0 0 104
iShares TIPS Bond ETF 464287176 338 2,645 SH   SOLE   0 0 2,645
Berkshire Hathaway Cl B EQUITY 084670702 337 1,236 SH   SOLE   0 0 1,236
Tesla Motors Inc EQUITY 88160R101 326 420 SH   SOLE   0 0 420
Microsoft EQUITY 594918104 320 1,137 SH   SOLE   0 0 1,137
iShares Cohen & Steers REIT ETF 464287564 314 4,794 SH   SOLE   0 0 4,794
iShares Russell 3000 ETF 464287689 302 1,185 SH   SOLE   0 0 1,185
PowerShares Dividend Achievers ETF 46137V506 289 8,025 SH   SOLE   0 0 8,025
Target Corporation EQUITY 87612E106 288 1,257 SH   SOLE   0 0 1,257
Peoples United EQUITY 712704105 251 14,363 SH   SOLE   0 0 14,363
Willis Towers Watson EQUITY G96629103 245 1,055 SH   SOLE   0 0 1,055
iShares Residential Real Estat ETF 464288562 235 2,742 SH   SOLE   0 0 2,742
Vanguard S&P 500 ETF ETF 922908363 232 587 SH   SOLE   0 0 587
Starbucks Corp EQUITY 855244109 215 1,951 SH   SOLE   0 0 1,951
Schwab Fundamental US Large Co ETF 808524771 214 3,973 SH   SOLE   0 0 3,973
iShares Core US Growth ETF 464287671 205 2,000 SH   SOLE   0 0 2,000
U S Silica Hldgs Inc EQUITY 90346E103 83 10,425 SH   SOLE   0 0 10,425