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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Apple Computer EQUITY 037833100   1,804 13,883 SH   SOLE   0 0 13,883
Berkshire Hathaway Cl B EQUITY 084670702   613 1,986 SH   SOLE   0 0 1,986
Carrier Global Corp EQUITY 14448C104   358 8,674 SH   SOLE   0 0 8,674
Chubb Corp. EQUITY H1467J104   550 2,494 SH   SOLE   0 0 2,494
Home Depot Inc EQUITY 437076102   345 1,092 SH   SOLE   0 0 1,092
Invesco S&P 500 Equal Weight ETF 46137V357   3,082 21,820 SH   SOLE   0 0 21,820
iShares Cohen & Steers REIT ETF 464287564   259 4,720 SH   SOLE   0 0 4,720
iShares Core MSCI EAFE ETF 46432F842   7,310 118,594 SH   SOLE   0 0 118,594
iShares Core MSCI Emerging Mkt ETF 46434G103   219 4,700 SH   SOLE   0 0 4,700
iShares Core MSCI Totl ETF 46432F834   2,360 40,768 SH   SOLE   0 0 40,768
iShares Core S&P 500 ETF 464287200   4,298 11,186 SH   SOLE   0 0 11,186
iShares Core S&P Mid-Cap ETF 464287507   1,613 6,669 SH   SOLE   0 0 6,669
iShares Core S&P Small-Cap ETF 464287804   1,932 20,410 SH   SOLE   0 0 20,410
iShares Core S&P Total ETF 464287150   322 3,803 SH   SOLE   0 0 3,803
iShares Core US Aggregate Bond ETF 464287226   4,223 43,540 SH   SOLE   0 0 43,540
iShares DJ US Real Estate ETF 464287739   1,974 23,451 SH   SOLE   0 0 23,451
iShares EMU Hedged ETF ETF 46434V639   3,356 120,820 SH   SOLE   0 0 120,820
iShares ESG Aware MSCI ETF 46435G516   399 6,072 SH   SOLE   0 0 6,072
iShares MSCI EAFE ETF 464287465   2,491 37,952 SH   SOLE   0 0 37,952
iShares MSCI EAFE Small-Cap ETF 464288273   226 4,003 SH   SOLE   0 0 4,003
iShares MSCI Emerging Markets ETF 464287234   2,135 56,334 SH   SOLE   0 0 56,334
iShares National Muni Bond ETF 464288414   2,008 19,025 SH   SOLE   0 0 19,025
iShares Russell 2000 ETF 464287655   4,712 27,023 SH   SOLE   0 0 27,023
iShares Russell 3000 ETF 464287689   262 1,185 SH   SOLE   0 0 1,185
iShares Russell Mid-Cap ETF 464287499   1,041 15,432 SH   SOLE   0 0 15,432
iShares S&P NA Tec. Semi. Idx ETF 464287523   406 1,168 SH   SOLE   0 0 1,168
iShares TIPS Bond ETF 464287176   1,024 9,619 SH   SOLE   0 0 9,619
Ishares US Aerospace ETF 464288760   202 1,803 SH   SOLE   0 0 1,803
iShares US Technology ETF 464287721   1,612 21,640 SH   SOLE   0 0 21,640
K K R Real Estate Finance Trus EQUITY 48251K100   291 20,817 SH   SOLE   0 0 20,817
M&T Bank Corporation EQUITY 55261F104   236 1,628 SH   SOLE   0 0 1,628
Medical Properties EQUITY 58463J304   804 72,134 SH   SOLE   0 0 72,134
Microsoft EQUITY 594918104   328 1,369 SH   SOLE   0 0 1,369
Otis Worldwide Corp EQUITY 68902V107   340 4,337 SH   SOLE   0 0 4,337
PowerShares Dividend Achievers ETF 46137V506   293 8,025 SH   SOLE   0 0 8,025
PowerShares FTSE RAFI US 1000 ETF 46137V613   337 2,173 SH   SOLE   0 0 2,173
Proshares Dividend Aristocrats ETF 74347B680   8,439 117,947 SH   SOLE   0 0 117,947
ProShares Dividend Aristocrats ETF 74348A467   7,355 81,729 SH   SOLE   0 0 81,729
Raytheon Technologies Co EQUITY 75513E101   627 6,208 SH   SOLE   0 0 6,208
Schwab Fundamental US Large Co ETF 808524771   216 4,042 SH   SOLE   0 0 4,042
Schwab US Broad Market ETF 808524102   316 7,049 SH   SOLE   0 0 7,049
Schwab US Dividend Equity ETF 808524797   758 10,034 SH   SOLE   0 0 10,034
SPDR Doubleline Ttl Rtrn ETF 78467V848   4,942 123,432 SH   SOLE   0 0 123,432
SPDR Financial Select Sector ETF 81369Y605   572 16,720 SH   SOLE   0 0 16,720
SPDR Portfolio Emerging Market ETF 78463X509   343 10,408 SH   SOLE   0 0 10,408
SPDR S&P 500 ETF 78462F103   10,182 26,625 SH   SOLE   0 0 26,625
SPDR S&P Dividend ETF 78464A763   2,788 22,283 SH   SOLE   0 0 22,283
Valero Energy Corp New EQUITY 91913Y100   307 2,420 SH   SOLE   0 0 2,420
Vanguard All-World ex-US ETF 922042775   1,138 22,693 SH   SOLE   0 0 22,693
Vanguard Dividend Appreciation ETF 921908844   2,218 14,609 SH   SOLE   0 0 14,609
Vanguard Emerging Markets ETF 922042858   1,659 42,552 SH   SOLE   0 0 42,552
Vanguard Glb. Ex-US Real Estat ETF 922042676   1,184 28,650 SH   SOLE   0 0 28,650
Vanguard High Dividend Yield ETF 921946406   968 8,942 SH   SOLE   0 0 8,942
Vanguard Interm. Corp. Bond ETF 92206C870   1,023 13,198 SH   SOLE   0 0 13,198
Vanguard Interm. Treasuries ETF 92206C706   2,408 41,181 SH   SOLE   0 0 41,181
Vanguard Int'l Developed Marke ETF 921943858   5,182 123,468 SH   SOLE   0 0 123,468
Vanguard Mid-Cap ETF 922908629   4,263 20,919 SH   SOLE   0 0 20,919
Vanguard Real Estate ETF 922908553   792 9,599 SH   SOLE   0 0 9,599
Vanguard S&P 500 ETF ETF 922908363   523 1,490 SH   SOLE   0 0 1,490
Vanguard Short-Term Bond ETF 921937827   13,570 180,264 SH   SOLE   0 0 180,264
Vanguard Short-Term Corp. Bond ETF 92206C409   12,497 166,210 SH   SOLE   0 0 166,210
Vanguard Short-Term Treasuries ETF 92206C102   710 12,280 SH   SOLE   0 0 12,280
Vanguard Small-Cap ETF 922908751   1,344 7,323 SH   SOLE   0 0 7,323
Vanguard Total Bond Market ETF 921937835   6,405 89,155 SH   SOLE   0 0 89,155
Vanguard Total Int'l Stock ETF 921909768   34,302 663,232 SH   SOLE   0 0 663,232
Vanguard Total Stock Market ETF 922908769   8,614 45,054 SH   SOLE   0 0 45,054
Willis Towers Watson EQUITY G96629103   258 1,055 SH   SOLE   0 0 1,055