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
Abbott Laboratories COM 002824100   394,381 3,583 SH   SOLE   0 0 3,583
Abbvie Inc COM 00287Y109   1,346,224 8,687 SH   SOLE   0 0 8,687
Accenture Plc Cl A COM G1151C101   644,271 1,836 SH   SOLE   0 0 1,836
Amazon Com Inc COM 023135106   1,202,605 7,915 SH   SOLE   0 0 7,915
Apple Computer Inc ETF 037833100   4,958,883 25,756 SH   SOLE   0 0 25,756
Avantis Emerging Markets EQ ETF COM 025072604   9,601,359 170,267 SH   SOLE   0 0 170,267
Avantis International Equity ETF COM 025072703   23,541,957 389,574 SH   SOLE   0 0 389,574
Avantis Real Estate ETF COM 025072356   239,374 5,527 SH   SOLE   0 0 5,527
Avantis Responsible International Equity ETF COM 025072299   615,572 11,424 SH   SOLE   0 0 11,424
Avantis Responsible US Equity ETF ETF 025072281   1,349,122 24,010 SH   SOLE   0 0 24,010
Avantis U.S. Equity ETF ETF 025072885   473,398 5,805 SH   SOLE   0 0 5,805
Avantis US Small Cap Value ETF ETF 025072877   2,283,704 25,431 SH   SOLE   0 0 25,431
Berkshire Hathaway B New COM 084670702   525,717 1,474 SH   SOLE   0 0 1,474
Blackstone Group Lp ETF 09260D107   523,680 4,000 SH   SOLE   0 0 4,000
Deere & Co COM 244199105   327,094 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302   16,083,500 667,088 SH   SOLE   0 0 667,088
DFA Int'l Core Equity ETF ETF 25434V203   9,257,107 323,223 SH   SOLE   0 0 323,223
DFA National Muni ETF 25434V849   386,237 7,962 SH   SOLE   0 0 7,962
DFA Tax Managed Intl COM 25434V807   1,916,360 55,773 SH   SOLE   0 0 55,773
DFA Tax-Managed US Marketwide Value II ETF 25434V724   11,480,248 308,443 SH   SOLE   0 0 308,443
DFA U.S. Equity ETF ETF 25434V401   640,256 12,353 SH   SOLE   0 0 12,353
DFA U.S. Small Cap (TM) ETF 25434V500   390,213 6,545 SH   SOLE   0 0 6,545
DFA U.S. Small Cap Value (TM) ETF 25434V609   4,115,284 78,641 SH   SOLE   0 0 78,641
DFA US Core Equity ETF ETF 25434V104   6,252,330 188,040 SH   SOLE   0 0 188,040
Dimensional Core Fixed Income ETF ETF 25434V872   256,520 6,050 SH   SOLE   0 0 6,050
Dimensional US Large Cap Value ETF ETF 25434V666   3,304,942 122,179 SH   SOLE   0 0 122,179
Dimensional US Real Estate ETF ETF 25434V823   600,336 26,400 SH   SOLE   0 0 26,400
Dimensional US Small Cap Value ETF ETF 25434V815   6,182,525 212,312 SH   SOLE   0 0 212,312
DTE Energy Company COM 233331107   223,828 2,030 SH   SOLE   0 0 2,030
Enbridge Inc COM 29250N105   215,220 5,975 SH   SOLE   0 0 5,975
Exxon Mobil Corporation COM 30231G102   849,806 8,500 SH   SOLE   0 0 8,500
Goldman Sachs Group Inc COM 38141G104   215,260 558 SH   SOLE   0 0 558
Google Inc. Class A COM 02079K305   538,924 3,858 SH   SOLE   0 0 3,858
Home Depot Inc COM 437076102   276,956 799 SH   SOLE   0 0 799
Intuit Inc COM 461202103   205,010 328 SH   SOLE   0 0 328
Invesco QQQ Trust ETF 46090E103   1,452,807 3,548 SH   SOLE   0 0 3,548
iShares 1-3 Year Treasury Bond ETF ETF 464287457   596,459 7,270 SH   SOLE   0 0 7,270
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   4,975,008 97,026 SH   SOLE   0 0 97,026
iShares 5-10 Year Investment Grade Corporate Bond ETF ETF 464288638   1,094,600 21,050 SH   SOLE   0 0 21,050
iShares Aggregate Bond Fd COM 464287226   1,059,980 10,680 SH   SOLE   0 0 10,680
iShares Broad USD High Yield Corp Bd ETF ETF 46435U853   335,248 9,223 SH   SOLE   0 0 9,223
iShares C&S Real Estate ETF 464287564   350,148 5,962 SH   SOLE   0 0 5,962
iShares Core 1-5 Year USD Bond ETF ETF 46432F859   737,275 15,502 SH   SOLE   0 0 15,502
iShares Core MSCI Emerging Markets ETF ETF 46434G103   1,186,506 23,458 SH   SOLE   0 0 23,458
iShares Core S&P 500 ETF COM 464287200   17,705,367 37,069 SH   SOLE   0 0 37,069
iShares Core S&P Mid-Cap ETF ETF 464287507   2,422,014 8,739 SH   SOLE   0 0 8,739
iShares Core S&P Small-Cap ETF ETF 464287804   2,198,125 20,306 SH   SOLE   0 0 20,306
iShares Core S&P Total US Stock Mkt ETF COM 464287150   2,447,191 23,256 SH   SOLE   0 0 23,256
iShares Core Total USD Bond Market ETF ETF 46434V613   32,913,099 714,415 SH   SOLE   0 0 714,415
iShares ESG 1-5 Year USD Corporate Bond ETF ETF 46435G243   315,670 12,895 SH   SOLE   0 0 12,895
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549   768,280 16,093 SH   SOLE   0 0 16,093
Ishares Floating Rate ETF 46429B655   10,101,248 199,551 SH   SOLE   0 0 199,551
iShares Global REIT ETF ETF 46434V647   14,862,237 614,650 SH   SOLE   0 0 614,650
Ishares High Yield ETF 46434V407   587,702 13,920 SH   SOLE   0 0 13,920
iShares MSCI EAFE ETF ETF 464287465   1,144,871 15,194 SH   SOLE   0 0 15,194
iShares MSCI Emerging Markets ETF ETF 464287234   392,048 9,750 SH   SOLE   0 0 9,750
iShares National Muni Bond ETF ETF 464288414   15,494,716 142,927 SH   SOLE   0 0 142,927
iShares Russell 1000 ETF ETF 464287622   1,084,344 4,135 SH   SOLE   0 0 4,135
iShares Russell Mid-Cap ETF ETF 464287499   425,183 5,470 SH   SOLE   0 0 5,470
iShares S&P 500 Growth ETF ETF 464287309   2,734,212 36,408 SH   SOLE   0 0 36,408
iShares S&P 500 Value ETF ETF 464287408   1,252,529 7,203 SH   SOLE   0 0 7,203
iShares Short-Term National Muni Bond ETF ETF 464288158   5,377,141 51,002 SH   SOLE   0 0 51,002
iShares Ultra Short-Term Bond ETF ETF 46434V878   42,182,576 837,621 SH   SOLE   0 0 837,621
Janus Henderson AAA CLO ETF ETF 47103U845   745,413 14,819 SH   SOLE   0 0 14,819
Johnson & Johnson COM 478160104   462,853 2,953 SH   SOLE   0 0 2,953
JPMorgan Chase & Co. ETF 46625H100   625,798 3,679 SH   SOLE   0 0 3,679
JPMorgan Equity Premium Income ETF COM 46641Q332   470,142 8,551 SH   SOLE   0 0 8,551
JPMorgan Municipal ETF ETF 46641Q647   4,741,013 93,034 SH   SOLE   0 0 93,034
JPMorgan Ultra-Short Income ETF ETF 46641Q837   487,059 9,697 SH   SOLE   0 0 9,697
Lilly Eli & Company ETF 532457108   1,168,172 2,004 SH   SOLE   0 0 2,004
Mastercard Inc COM 57636Q104   490,487 1,150 SH   SOLE   0 0 1,150
Mc Donalds Corp ETF 580135101   893,373 3,013 SH   SOLE   0 0 3,013
Microsoft Corp ETF 594918104   1,756,247 4,670 SH   SOLE   0 0 4,670
Mid Cap S P D R TRUST ETF 78467Y107   5,604,697 11,046 SH   SOLE   0 0 11,046
Nike Inc Class B ETF 654106103   379,778 3,498 SH   SOLE   0 0 3,498
Northrop Grumman Corp ETF 666807102   837,502 1,789 SH   SOLE   0 0 1,789
Pepsico Incorporated ETF 713448108   212,300 1,250 SH   SOLE   0 0 1,250
Powershare Ftse Rafi US ETF 46137V613   1,102,640 31,325 SH   SOLE   0 0 31,325
Russell 1000/ Lrg. Growth ETF 464287614   3,186,831 10,512 SH   SOLE   0 0 10,512
Russell 1000/ Lrg. Value ETF 464287598   3,918,161 23,711 SH   SOLE   0 0 23,711
Russell 2000/ Small Growth ETF 464287648   376,564 1,493 SH   SOLE   0 0 1,493
Russell 2000/ Small Value ETF 464287630   590,677 3,803 SH   SOLE   0 0 3,803
Russell 2000/Small Blend ETF 464287655   8,100,169 40,358 SH   SOLE   0 0 40,358
Russell 3000 ETF 464287689   14,946,916 54,603 SH   SOLE   0 0 54,603
S&Pglobal Inc Com COM 78409V104   249,334 566 SH   SOLE   0 0 566
Schw Emg Mkt Eq Etf ETF 808524706   339,761 13,706 SH   SOLE   0 0 13,706
Schw Intl Eq Etf ETF 808524805   589,146 15,940 SH   SOLE   0 0 15,940
Schw US Brd Mkt Etf ETF 808524102   3,966,877 71,257 SH   SOLE   0 0 71,257
Schwab US Large Cap ETF 808524409   4,740,162 67,620 SH   SOLE   0 0 67,620
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF ETF 78468R663   355,600 3,891 SH   SOLE   0 0 3,891
SPDR Dow Jones Industrial Average ETF ETF 78467X109   307,149 815 SH   SOLE   0 0 815
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   1,034,114 22,177 SH   SOLE   0 0 22,177
SPDR Trust (S&P 500) ETF 78462F103   18,485,586 38,892 SH   SOLE   0 0 38,892
Thermo Electron Corp COM 883556102   319,536 602 SH   SOLE   0 0 602
Vanguard Div Apprciation ETF 921908844   381,696 2,240 SH   SOLE   0 0 2,240
Vanguard Emerging Market ETF 922042858   927,579 22,569 SH   SOLE   0 0 22,569
Vanguard ESG Int'l ETF ETF 921910725   7,476,509 135,248 SH   SOLE   0 0 135,248
Vanguard ESG U.S. Stock ETF ETF 921910733   13,371,262 157,198 SH   SOLE   0 0 157,198
Vanguard Growth ETF 922908736   5,755,816 18,515 SH   SOLE   0 0 18,515
Vanguard High Dividend ETF ETF 921946406   2,394,575 21,451 SH   SOLE   0 0 21,451
Vanguard Info Technology ETF 92204A702   396,880 820 SH   SOLE   0 0 820
Vanguard Interm Bond Index ETF ETF 921937819   19,036,949 249,240 SH   SOLE   0 0 249,240
Vanguard Intermediate ETF 92206C870   1,026,729 12,632 SH   SOLE   0 0 12,632
Vanguard Mid Cap ETF 922908629   543,246 2,335 SH   SOLE   0 0 2,335
Vanguard Msci Eafe Etf ETF 921943858   2,107,840 44,005 SH   SOLE   0 0 44,005
Vanguard Reit ETF 922908553   6,076,591 68,771 SH   SOLE   0 0 68,771
Vanguard Russell 1000 ETF 92206C714   1,214,320 16,740 SH   SOLE   0 0 16,740
Vanguard Russell 1000 Growth ETF ETF 92206C680   2,914,437 37,355 SH   SOLE   0 0 37,355
Vanguard Russell 3000 ETF ETF 92206C599   11,132,499 52,307 SH   SOLE   0 0 52,307
Vanguard S&P 500 Etf ETF 922908363   952,903 2,182 SH   SOLE   0 0 2,182
Vanguard S&P 500 Growth ETF ETF 921932505   2,626,121 9,698 SH   SOLE   0 0 9,698
Vanguard Short Term ETF 92206C102   264,293 4,531 SH   SOLE   0 0 4,531
Vanguard Short Term Corp Bond ETF 92206C409   3,308,264 42,759 SH   SOLE   0 0 42,759
Vanguard Short-Term Bond Index Fund ETF 921937827   72,157,111 936,862 SH   SOLE   0 0 936,862
VANGUARD SHRT TAX EXEMPT BND ETF ETF 921935870   2,068,663 20,399 SH   SOLE   0 0 20,399
Vanguard Small Cap ETF 922908751   905,848 4,246 SH   SOLE   0 0 4,246
Vanguard Small Cap Value ETF 922908611   2,312,552 12,850 SH   SOLE   0 0 12,850
Vanguard Total Bond ETF 921937835   5,348,482 72,719 SH   SOLE   0 0 72,719
Vanguard Total Internatl ETF 92203J407   1,216,502 24,643 SH   SOLE   0 0 24,643
Vanguard Total Intl Etf ETF 921909768   704,852 12,161 SH   SOLE   0 0 12,161
Vanguard Total Stock Mkt ETF 922908769   98,951,366 417,129 SH   SOLE   0 0 417,129
Vanguard Value ETF 922908744   9,958,563 66,612 SH   SOLE   0 0 66,612
Visa Inc Cl A COM 92826C839   697,057 2,677 SH   SOLE   0 0 2,677
Zoetis Inc COM 98978V103   202,896 1,028 SH   SOLE   0 0 1,028