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
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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
Amazon Com Inc EQUITY 023135106 347 104 SH   SOLE   0 0 104
Apple Computer EQUITY 037833100 2,642 14,878 SH   SOLE   0 0 14,878
Berkshire Hathaway Cl B EQUITY 084670702 918 3,070 SH   SOLE   0 0 3,070
Home Depot Inc EQUITY 437076102 453 1,092 SH   SOLE   0 0 1,092
iShares Core S&P Total ETF 464287150 407 3,803 SH   SOLE   0 0 3,803
iShares TIPS Bond ETF 464287176 441 3,416 SH   SOLE   0 0 3,416
iShares Core S&P 500 ETF 464287200 5,961 12,497 SH   SOLE   0 0 12,497
iShares Core US Aggregate Bond ETF 464287226 3,377 29,605 SH   SOLE   0 0 29,605
iShares MSCI Emerging Markets ETF 464287234 4,352 89,093 SH   SOLE   0 0 89,093
iShares MSCI EAFE ETF 464287465 2,256 28,670 SH   SOLE   0 0 28,670
iShares Russell Mid-Cap ETF 464287499 1,281 15,432 SH   SOLE   0 0 15,432
iShares Core S&P Mid-Cap ETF 464287507 1,579 5,578 SH   SOLE   0 0 5,578
iShares S&P NA Tec. Semi. Idx ETF 464287523 434 800 SH   SOLE   0 0 800
iShares Cohen & Steers REIT ETF 464287564 372 4,891 SH   SOLE   0 0 4,891
iShares Russell 2000 ETF 464287655 7,642 34,352 SH   SOLE   0 0 34,352
iShares Core US Growth ETF 464287671 231 2,000 SH   SOLE   0 0 2,000
iShares Russell 3000 ETF 464287689 329 1,185 SH   SOLE   0 0 1,185
iShares US Technology ETF 464287721 3,187 27,760 SH   SOLE   0 0 27,760
iShares DJ US Real Estate ETF 464287739 3,152 27,139 SH   SOLE   0 0 27,139
iShares Core S&P Small-Cap ETF 464287804 2,817 24,599 SH   SOLE   0 0 24,599
iShares National Muni Bond ETF 464288414 1,639 14,094 SH   SOLE   0 0 14,094
iShares Residential Real Estat ETF 464288562 272 2,768 SH   SOLE   0 0 2,768
Johnson & Johnson EQUITY 478160104 237 1,383 SH   SOLE   0 0 1,383
Microsoft EQUITY 594918104 382 1,137 SH   SOLE   0 0 1,137
Peoples United EQUITY 712704105 256 14,363 SH   SOLE   0 0 14,363
Pfizer EQUITY 717081103 270 4,568 SH   SOLE   0 0 4,568
Schwab US Broad Market ETF 808524102 397 3,511 SH   SOLE   0 0 3,511
Schwab Fundamental US Large Co ETF 808524771 234 3,986 SH   SOLE   0 0 3,986
Schwab US Dividend Equity ETF 808524797 759 9,384 SH   SOLE   0 0 9,384
Starbucks Corp EQUITY 855244109 228 1,951 SH   SOLE   0 0 1,951
Vanguard Dividend Appreciation ETF 921908844 2,686 15,638 SH   SOLE   0 0 15,638
Vanguard Total Int'l Stock ETF 921909768 32,589 512,642 SH   SOLE   0 0 512,642
Vanguard Mega Cap Growth ETF 921910816 205 785 SH   SOLE   0 0 785
Vanguard Total Bond Market ETF 921937835 5,488 64,758 SH   SOLE   0 0 64,758
Vanguard Int'l Developed Marke ETF 921943858 6,560 128,467 SH   SOLE   0 0 128,467
Vanguard High Dividend Yield ETF 921946406 912 8,138 SH   SOLE   0 0 8,138
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,613 29,897 SH   SOLE   0 0 29,897
Vanguard All-World ex-US ETF 922042775 1,228 20,036 SH   SOLE   0 0 20,036
Vanguard Emerging Markets ETF 922042858 3,162 63,924 SH   SOLE   0 0 63,924
Vanguard S&P 500 ETF ETF 922908363 256 587 SH   SOLE   0 0 587
Vanguard Real Estate ETF 922908553 876 7,551 SH   SOLE   0 0 7,551
Vanguard Mid-Cap ETF 922908629 5,785 22,706 SH   SOLE   0 0 22,706
Vanguard Small-Cap ETF 922908751 2,179 9,642 SH   SOLE   0 0 9,642
Vanguard Total Stock Market ETF 922908769 11,408 47,251 SH   SOLE   0 0 47,251
Carrier Global Corp EQUITY 14448C104 549 10,120 SH   SOLE   0 0 10,120
Invesco S&P 500 Equal Weight ETF 46137V357 4,217 25,910 SH   SOLE   0 0 25,910
PowerShares Dividend Achievers ETF 46137V506 319 8,025 SH   SOLE   0 0 8,025
PowerShares FTSE RAFI US 1000 ETF 46137V613 373 2,173 SH   SOLE   0 0 2,173
iShares Core MSCI Totl ETF 46432F834 2,537 35,761 SH   SOLE   0 0 35,761
iShares Core MSCI EAFE ETF 46432F842 5,499 73,669 SH   SOLE   0 0 73,669
iShares Core MSCI Emerging Mkt ETF 46434G103 1,014 16,942 SH   SOLE   0 0 16,942
iShares EMU Hedged ETF ETF 46434V639 8,607 228,598 SH   SOLE   0 0 228,598
iShares ESG Aware MSCI ETF 46435G516 836 10,519 SH   SOLE   0 0 10,519
K K R Real Estate Finance Trus EQUITY 48251K100 1,355 65,032 SH   SOLE   0 0 65,032
Otis Worldwide Corp EQUITY 68902V107 378 4,337 SH   SOLE   0 0 4,337
Proshares Dividend Aristocrats ETF 74347B680 6,615 89,724 SH   SOLE   0 0 89,724
ProShares Dividend Aristocrats ETF 74348A467 6,005 61,166 SH   SOLE   0 0 61,166
Raytheon Technologies Co EQUITY 75513E101 587 6,823 SH   SOLE   0 0 6,823
SPDR S&P 500 ETF 78462F103 13,222 27,838 SH   SOLE   0 0 27,838
SPDR S&P Dividend ETF 78464A763 2,783 21,553 SH   SOLE   0 0 21,553
SPDR Doubleline Ttl Rtrn ETF 78467V848 5,847 123,511 SH   SOLE   0 0 123,511
SPDR Financial Select Sector ETF 81369Y605 1,234 31,601 SH   SOLE   0 0 31,601
Target Corporation EQUITY 87612E106 291 1,257 SH   SOLE   0 0 1,257
Tesla Motors Inc EQUITY 88160R101 444 420 SH   SOLE   0 0 420
U S Silica Hldgs Inc EQUITY 90346E103 98 10,425 SH   SOLE   0 0 10,425
Semiconductor Holders Tr EQUITY 92189F676 588 1,906 SH   SOLE   0 0 1,906
Vanguard Short-Term Treasuries ETF 92206C102 2,525 41,510 SH   SOLE   0 0 41,510
Vanguard Short-Term Corp. Bond ETF 92206C409 2,570 31,623 SH   SOLE   0 0 31,623
Vanguard Interm. Treasuries ETF 92206C706 7,521 113,147 SH   SOLE   0 0 113,147
Vanguard Interm. Corp. Bond ETF 92206C870 1,231 13,272 SH   SOLE   0 0 13,272
Willis Towers Watson EQUITY G96629103 251 1,055 SH   SOLE   0 0 1,055
Chubb Corp. EQUITY H1467J104 482 2,494 SH   SOLE   0 0 2,494