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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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 235 2,080 SH   SOLE   0 0 2,080
Apple Computer EQUITY 037833100 2,057 14,881 SH   SOLE   0 0 14,881
Berkshire Hathaway Cl B EQUITY 084670702 530 1,986 SH   SOLE   0 0 1,986
Home Depot Inc EQUITY 437076102 297 1,076 SH   SOLE   0 0 1,076
iShares Core S&P Total ETF 464287150 302 3,803 SH   SOLE   0 0 3,803
iShares TIPS Bond ETF 464287176 8,432 80,384 SH   SOLE   0 0 80,384
iShares Core S&P 500 ETF 464287200 4,181 11,657 SH   SOLE   0 0 11,657
iShares Core US Aggregate Bond ETF 464287226 3,490 36,228 SH   SOLE   0 0 36,228
iShares MSCI Emerging Markets ETF 464287234 2,527 72,442 SH   SOLE   0 0 72,442
iShares MSCI EAFE ETF 464287465 2,126 37,951 SH   SOLE   0 0 37,951
iShares Russell Mid-Cap ETF 464287499 959 15,432 SH   SOLE   0 0 15,432
iShares Core S&P Mid-Cap ETF 464287507 1,557 7,103 SH   SOLE   0 0 7,103
iShares S&P NA Tec. Semi. Idx ETF 464287523 255 800 SH   SOLE   0 0 800
iShares Cohen & Steers REIT ETF 464287564 264 4,920 SH   SOLE   0 0 4,920
iShares Russell 2000 ETF 464287655 5,094 30,891 SH   SOLE   0 0 30,891
iShares Russell 3000 ETF 464287689 245 1,185 SH   SOLE   0 0 1,185
iShares US Technology ETF 464287721 2,037 27,760 SH   SOLE   0 0 27,760
iShares DJ US Real Estate ETF 464287739 1,322 16,241 SH   SOLE   0 0 16,241
iShares Core S&P Small-Cap ETF 464287804 1,839 21,094 SH   SOLE   0 0 21,094
iShares National Muni Bond ETF 464288414 1,186 11,557 SH   SOLE   0 0 11,557
iShares Residential Real Estat ETF 464288562 244 3,391 SH   SOLE   0 0 3,391
Microsoft EQUITY 594918104 312 1,338 SH   SOLE   0 0 1,338
Schwab US Broad Market ETF 808524102 296 7,041 SH   SOLE   0 0 7,041
Schwab US Dividend Equity ETF 808524797 667 10,034 SH   SOLE   0 0 10,034
Vanguard Dividend Appreciation ETF 921908844 1,974 14,608 SH   SOLE   0 0 14,608
Vanguard Total Int'l Stock ETF 921909768 25,574 558,741 SH   SOLE   0 0 558,741
Vanguard Total Bond Market ETF 921937835 14,947 209,548 SH   SOLE   0 0 209,548
Vanguard Int'l Developed Marke ETF 921943858 4,308 118,471 SH   SOLE   0 0 118,471
Vanguard High Dividend Yield ETF 921946406 772 8,138 SH   SOLE   0 0 8,138
Vanguard Glb. Ex-US Real Estat ETF 922042676 1,100 28,822 SH   SOLE   0 0 28,822
Vanguard All-World ex-US ETF 922042775 890 20,068 SH   SOLE   0 0 20,068
Vanguard Emerging Markets ETF 922042858 2,512 68,831 SH   SOLE   0 0 68,831
Vanguard S&P 500 ETF ETF 922908363 215 655 SH   SOLE   0 0 655
Vanguard Real Estate ETF 922908553 708 8,827 SH   SOLE   0 0 8,827
Vanguard Mid-Cap ETF 922908629 3,910 20,801 SH   SOLE   0 0 20,801
Vanguard Small-Cap ETF 922908751 1,158 6,774 SH   SOLE   0 0 6,774
Vanguard Total Stock Market ETF 922908769 8,239 45,909 SH   SOLE   0 0 45,909
Carrier Global Corp EQUITY 14448C104 308 8,674 SH   SOLE   0 0 8,674
Invesco S&P 500 Equal Weight ETF 46137V357 2,831 22,241 SH   SOLE   0 0 22,241
PowerShares Dividend Achievers ETF 46137V506 260 8,025 SH   SOLE   0 0 8,025
PowerShares FTSE RAFI US 1000 ETF 46137V613 302 2,173 SH   SOLE   0 0 2,173
iShares Core MSCI Totl ETF 46432F834 2,017 39,605 SH   SOLE   0 0 39,605
iShares Core MSCI EAFE ETF 46432F842 6,275 119,136 SH   SOLE   0 0 119,136
iShares Core MSCI Emerging Mkt ETF 46434G103 718 16,700 SH   SOLE   0 0 16,700
iShares EMU Hedged ETF ETF 46434V639 6,345 219,896 SH   SOLE   0 0 219,896
iShares ESG Aware MSCI ETF 46435G516 469 8,348 SH   SOLE   0 0 8,348
K K R Real Estate Finance Trus EQUITY 48251K100 680 41,861 SH   SOLE   0 0 41,861
M&T Bank Corporation EQUITY 55261F104 299 1,694 SH   SOLE   0 0 1,694
Otis Worldwide Corp EQUITY 68902V107 277 4,337 SH   SOLE   0 0 4,337
Proshares Dividend Aristocrats ETF 74347B680 7,150 110,980 SH   SOLE   0 0 110,980
ProShares Dividend Aristocrats ETF 74348A467 5,541 69,294 SH   SOLE   0 0 69,294
Raytheon Technologies Co EQUITY 75513E101 508 6,208 SH   SOLE   0 0 6,208
SPDR S&P 500 ETF 78462F103 9,817 27,486 SH   SOLE   0 0 27,486
SPDR Portfolio Emerging Market ETF 78463X509 309 9,965 SH   SOLE   0 0 9,965
SPDR S&P Dividend ETF 78464A763 2,487 22,305 SH   SOLE   0 0 22,305
SPDR Doubleline Ttl Rtrn ETF 78467V848 4,047 100,729 SH   SOLE   0 0 100,729
SPDR Financial Select Sector ETF 81369Y605 507 16,715 SH   SOLE   0 0 16,715
Tesla Motors Inc EQUITY 88160R101 418 1,575 SH   SOLE   0 0 1,575
Valero Energy Corp New EQUITY 91913Y100 259 2,420 SH   SOLE   0 0 2,420
Semiconductor Holders Tr EQUITY 92189F676 353 1,906 SH   SOLE   0 0 1,906
Vanguard Short-Term Treasuries ETF 92206C102 776 13,431 SH   SOLE   0 0 13,431
Vanguard Short-Term Corp. Bond ETF 92206C409 1,070 14,403 SH   SOLE   0 0 14,403
Vanguard Interm. Treasuries ETF 92206C706 2,947 50,544 SH   SOLE   0 0 50,544
Vanguard Interm. Corp. Bond ETF 92206C870 1,011 13,360 SH   SOLE   0 0 13,360
Willis Towers Watson EQUITY G96629103 212 1,055 SH   SOLE   0 0 1,055
Chubb Corp. EQUITY H1467J104 454 2,494 SH   SOLE   0 0 2,494