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 25,627 496,548 SH   SOLE   0 0 496,548
SPDR S&P 500 ETF 78462F103 10,124 26,836 SH   SOLE   0 0 26,836
Vanguard Int'l Developed Marke ETF 921943858 8,503 208,415 SH   SOLE   0 0 208,415
Vanguard Total Stock Market ETF 922908769 8,477 44,941 SH   SOLE   0 0 44,941
Proshares Dividend Aristocrats ETF 74347B680 6,990 103,619 SH   SOLE   0 0 103,619
iShares Core MSCI EAFE ETF 46432F842 6,262 106,414 SH   SOLE   0 0 106,414
Vanguard Interm. Treasuries ETF 92206C706 5,932 96,991 SH   SOLE   0 0 96,991
ProShares Dividend Aristocrats ETF 74348A467 5,232 61,296 SH   SOLE   0 0 61,296
iShares Russell 2000 ETF 464287655 5,217 30,806 SH   SOLE   0 0 30,806
iShares Core S&P 500 ETF 464287200 4,752 12,534 SH   SOLE   0 0 12,534
iShares EMU Hedged ETF ETF 46434V639 4,517 144,133 SH   SOLE   0 0 144,133
Vanguard Total Bond Market ETF 921937835 4,498 59,764 SH   SOLE   0 0 59,764
SPDR Doubleline Ttl Rtrn ETF 78467V848 4,383 103,920 SH   SOLE   0 0 103,920
Vanguard Mid-Cap ETF 922908629 4,115 20,890 SH   SOLE   0 0 20,890
Invesco S&P 500 Equal Weight ETF 46137V357 3,884 28,939 SH   SOLE   0 0 28,939
iShares MSCI Emerging Markets ETF 464287234 3,377 84,209 SH   SOLE   0 0 84,209
iShares Core US Aggregate Bond ETF 464287226 2,740 26,951 SH   SOLE   0 0 26,951
SPDR S&P Dividend ETF 78464A763 2,672 22,509 SH   SOLE   0 0 22,509
Vanguard Emerging Markets ETF 922042858 2,630 63,148 SH   SOLE   0 0 63,148
Vanguard Short-Term Treasuries ETF 92206C102 2,326 39,520 SH   SOLE   0 0 39,520
iShares Core S&P Small-Cap ETF 464287804 2,288 24,757 SH   SOLE   0 0 24,757
iShares US Technology ETF 464287721 2,219 27,760 SH   SOLE   0 0 27,760
iShares Core MSCI Totl ETF 46432F834 2,197 38,524 SH   SOLE   0 0 38,524
iShares DJ US Real Estate ETF 464287739 2,188 23,788 SH   SOLE   0 0 23,788
Vanguard Dividend Appreciation ETF 921908844 2,177 15,174 SH   SOLE   0 0 15,174
Apple Computer EQUITY 037833100 2,034 14,880 SH   SOLE   0 0 14,880
iShares MSCI EAFE ETF 464287465 1,792 28,681 SH   SOLE   0 0 28,681
iShares Core S&P Mid-Cap ETF 464287507 1,710 7,560 SH   SOLE   0 0 7,560
iShares TIPS Bond ETF 464287176 1,643 14,423 SH   SOLE   0 0 14,423
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,276 28,822 SH   SOLE   0 0 28,822
Vanguard Small-Cap ETF 922908751 1,274 7,233 SH   SOLE   0 0 7,233
K K R Real Estate Finance Trus EQUITY 48251K100 1,193 68,361 SH   SOLE   0 0 68,361
Vanguard Short-Term Corp. Bond ETF 92206C409 1,101 14,432 SH   SOLE   0 0 14,432
Vanguard Interm. Corp. Bond ETF 92206C870 1,071 13,381 SH   SOLE   0 0 13,381
iShares Russell Mid-Cap ETF 464287499 998 15,432 SH   SOLE   0 0 15,432
Vanguard All-World ex-US ETF 922042775 996 19,943 SH   SOLE   0 0 19,943
SPDR Financial Select Sector ETF 81369Y605 891 28,325 SH   SOLE   0 0 28,325
Vanguard High Dividend Yield ETF 921946406 828 8,138 SH   SOLE   0 0 8,138
iShares Core MSCI Emerging Mkt ETF 46434G103 819 16,700 SH   SOLE   0 0 16,700
Vanguard Real Estate ETF 922908553 803 8,810 SH   SOLE   0 0 8,810
Berkshire Hathaway Cl B EQUITY 084670702 747 2,736 SH   SOLE   0 0 2,736
Schwab US Dividend Equity ETF 808524797 719 10,034 SH   SOLE   0 0 10,034
Raytheon Technologies Co EQUITY 75513E101 597 6,208 SH   SOLE   0 0 6,208
iShares ESG Aware MSCI ETF 46435G516 554 8,829 SH   SOLE   0 0 8,829
Chubb Corp. EQUITY H1467J104 490 2,494 SH   SOLE   0 0 2,494
Semiconductor Holders Tr EQUITY 92189F676 388 1,906 SH   SOLE   0 0 1,906
Schwab US REIT ETF 808524847 372 17,620 SH   SOLE   0 0 17,620
Tesla Motors Inc EQUITY 88160R101 357 530 SH   SOLE   0 0 530
SPDR Portfolio Emerging Market ETF 78463X509 348 10,009 SH   SOLE   0 0 10,009
Carrier Global Corp EQUITY 14448C104 345 9,674 SH   SOLE   0 0 9,674
Microsoft EQUITY 594918104 326 1,268 SH   SOLE   0 0 1,268
PowerShares FTSE RAFI US 1000 ETF 46137V613 322 2,173 SH   SOLE   0 0 2,173
iShares Core S&P Total ETF 464287150 319 3,803 SH   SOLE   0 0 3,803
Schwab US Broad Market ETF 808524102 311 7,033 SH   SOLE   0 0 7,033
American Intl Group Inc. EQUITY 026874784 307 6,000 SH   SOLE   0 0 6,000
Otis Worldwide Corp EQUITY 68902V107 306 4,337 SH   SOLE   0 0 4,337
Home Depot Inc EQUITY 437076102 300 1,092 SH   SOLE   0 0 1,092
iShares S&P NA Tec. Semi. Idx ETF 464287523 280 800 SH   SOLE   0 0 800
PowerShares Dividend Achievers ETF 46137V506 277 8,025 SH   SOLE   0 0 8,025
M&T Bank Corporation EQUITY 55261F104 270 1,694 SH   SOLE   0 0 1,694
iShares Cohen & Steers REIT ETF 464287564 265 4,365 SH   SOLE   0 0 4,365
iShares Russell 3000 ETF 464287689 258 1,185 SH   SOLE   0 0 1,185
iShares MSCI ACWI Ex US ETF 464288240 257 5,704 SH   SOLE   0 0 5,704
Valero Energy Corp New EQUITY 91913Y100 257 2,420 SH   SOLE   0 0 2,420
Johnson & Johnson EQUITY 478160104 238 1,340 SH   SOLE   0 0 1,340
Vanguard S&P 500 ETF ETF 922908363 227 655 SH   SOLE   0 0 655
iShares Residential Real Estat ETF 464288562 223 2,791 SH   SOLE   0 0 2,791
Amazon Com Inc EQUITY 023135106 221 2,080 SH   SOLE   0 0 2,080
Willis Towers Watson EQUITY G96629103 208 1,055 SH   SOLE   0 0 1,055
Schwab Fundamental US Large Co ETF 808524771 204 4,012 SH   SOLE   0 0 4,012