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
3M COM 88579Y101 303 1,729 SH   SOLE   0 0 1,729
Abbott Laboratories COM 002824100 1,427 12,081 SH   SOLE   0 0 12,081
Abbvie Inc COM 00287Y109 1,255 11,631 SH   SOLE   0 0 11,631
Accenture Plc Cl A COM G1151C101 747 2,336 SH   SOLE   0 0 2,336
Altair Engineering Inc. COM 021369103 11,257 163,289 SH   SOLE   0 0 163,289
Amazon Com Inc COM 023135106 1,041 317 SH   SOLE   0 0 317
Apple Computer Inc COM 037833100 6,321 44,673 SH   SOLE   0 0 44,673
Arrow Financial Corp COM 042744102 403 11,715 SH   SOLE   0 0 11,715
Berkshire Hathaway A COM 084670108 1,234 3 SH   SOLE   0 0 3
Berkshire Hathaway B New COM 084670702 372 1,364 SH   SOLE   0 0 1,364
BGI i Shares/TIPS ETF 464287176 3,340 26,159 SH   SOLE   0 0 26,159
Blackstone Group Lp COM 09260D107 477 4,101 SH   SOLE   0 0 4,101
Boeing Co COM 097023105 337 1,534 SH   SOLE   0 0 1,534
Bristol-Myers Squibb Co COM 110122108 478 8,084 SH   SOLE   0 0 8,084
C S X Corp COM 126408103 428 14,400 SH   SOLE   0 0 14,400
Carvana Co COM 146869102 256 850 SH   SOLE   0 0 850
Cintas Corporation COM 172908105 381 1,000 SH   SOLE   0 0 1,000
Coca Cola Company COM 191216100 958 18,260 SH   SOLE   0 0 18,260
Comcast Corp New Cl A COM 20030N101 428 7,652 SH   SOLE   0 0 7,652
Crown Castle Intl Corp COM 22822V101 405 2,336 SH   SOLE   0 0 2,336
Cryoport Inc Com Par $0.001 COM 229050307 266 4,000 SH   SOLE   0 0 4,000
Deere & Co COM 244199105 274 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302 1,674 61,417 SH   SOLE   0 0 61,417
DFA Int'l Core Equity ETF ETF 25434V203 764 26,433 SH   SOLE   0 0 26,433
DFA Tax Managed Intl ETF 25434V807 1,793 54,767 SH   SOLE   0 0 54,767
Dfa Tax-Mng US Equity PO ETF 25434V401 630 13,355 SH   SOLE   0 0 13,355
DFA U.S. Small Cap (TM) ETF 25434V500 381 6,619 SH   SOLE   0 0 6,619
DFA U.S. Small Cap Value (TM) ETF 25434V609 4,222 95,086 SH   SOLE   0 0 95,086
DFA US Core Equity ETF ETF 25434V104 208 6,887 SH   SOLE   0 0 6,887
Disney Company COM 254687106 654 3,863 SH   SOLE   0 0 3,863
DTE Energy Company COM 233331107 409 3,664 SH   SOLE   0 0 3,664
Duke Energy Corporation COM 26441C204 328 3,365 SH   SOLE   0 0 3,365
Enbridge Inc COM 29250N105 480 12,049 SH   SOLE   0 0 12,049
Exxon Mobil Corporation COM 30231G102 1,064 18,095 SH   SOLE   0 0 18,095
Facebook Inc Class A COM 30303M102 356 1,050 SH   SOLE   0 0 1,050
First Merchants Corp COM 320817109 1,478 35,335 SH   SOLE   0 0 35,335
General Electric Company COM 369604301 215 2,082 SH   SOLE   0 0 2,082
Global Payments Inc COM 37940X102 258 1,636 SH   SOLE   0 0 1,636
Google Inc. Class A COM 02079K305 548 205 SH   SOLE   0 0 205
Google Inc. Class C COM 02079K107 584 219 SH   SOLE   0 0 219
Heartland Finl Usa COM 42234Q102 2,299 47,808 SH   SOLE   0 0 47,808
Honeywell International COM 438516106 339 1,596 SH   SOLE   0 0 1,596
Ihs Markit Ltd COM G47567105 1,889 16,200 SH   SOLE   0 0 16,200
Int'l Business Mach COM 459200101 227 1,632 SH   SOLE   0 0 1,632
Invesco QQQ Trust ETF 46090E103 977 2,729 SH   SOLE   0 0 2,729
iShares Aggregate Bond Fd ETF 464287226 2,034 17,714 SH   SOLE   0 0 17,714
iShares C&S Real Estate ETF 464287564 443 6,777 SH   SOLE   0 0 6,777
iShares MSCI Emrg Mkt ETF 464287234 1,688 33,513 SH   SOLE   0 0 33,513
iShares MSCI/EAFE Index ETF 464287465 993 12,723 SH   SOLE   0 0 12,723
iShares Russell 1000 ETF 464287622 1,240 5,130 SH   SOLE   0 0 5,130
iShares S&P 500 Growth ETF 464287309 3,276 44,326 SH   SOLE   0 0 44,326
iShares S&P 500 Index ETF 464287200 2,014 4,674 SH   SOLE   0 0 4,674
iShares S&P 500 Value ETF 464287408 1,157 7,953 SH   SOLE   0 0 7,953
iShares S&P Sm Cap Value ETF 464287879 416 4,136 SH   SOLE   0 0 4,136
iShares Tr Barclays Bond ETF 464287457 933 10,836 SH   SOLE   0 0 10,836
iShares Ultra Short-Term Bond ETF ETF 46434V878 6,858 135,787 SH   SOLE   0 0 135,787
Johnson & Johnson COM 478160104 1,281 7,935 SH   SOLE   0 0 7,935
JPMorgan Chase & Co. COM 46625H100 332 2,028 SH   SOLE   0 0 2,028
Lilly Eli & Company COM 532457108 657 2,842 SH   SOLE   0 0 2,842
Mastercard Inc COM 57636Q104 483 1,390 SH   SOLE   0 0 1,390
Mc Donalds Corp COM 580135101 437 1,813 SH   SOLE   0 0 1,813
Medtronic Inc COM G5960L103 217 1,734 SH   SOLE   0 0 1,734
Microsoft Corp COM 594918104 1,482 5,258 SH   SOLE   0 0 5,258
Mid Cap S P D R TRUST ETF 78467Y107 4,915 10,220 SH   SOLE   0 0 10,220
Nike Inc Class B COM 654106103 594 4,088 SH   SOLE   0 0 4,088
Northrop Grumman Corp COM 666807102 752 2,087 SH   SOLE   0 0 2,087
Novo-Nordisk A-S COM 670100205 960 10,000 SH   SOLE   0 0 10,000
Oracle Corporation COM 68389X105 230 2,634 SH   SOLE   0 0 2,634
Pepsico Incorporated COM 713448108 346 2,301 SH   SOLE   0 0 2,301
Pfizer Incorporated COM 717081103 599 13,932 SH   SOLE   0 0 13,932
Procter & Gamble Co COM 742718109 945 6,759 SH   SOLE   0 0 6,759
ProShares UltraPro Short QQQ ETF 74347G861 121 14,000 SH   SOLE   0 0 14,000
Raytheon Technologies Ord COM 75513E101 264 3,067 SH   SOLE   0 0 3,067
Rocket Cos Inc-Class A COM 77311W101 164 10,200 SH   SOLE   0 0 10,200
Russell 1000/ Lrg. Growth ETF 464287614 3,630 13,247 SH   SOLE   0 0 13,247
Russell 1000/ Lrg. Value ETF 464287598 4,123 26,345 SH   SOLE   0 0 26,345
Russell 2000/ Small Growth ETF 464287648 226 770 SH   SOLE   0 0 770
Russell 2000/ Small Value ETF 464287630 594 3,708 SH   SOLE   0 0 3,708
Russell 2000/Small Blend ETF 464287655 7,768 35,510 SH   SOLE   0 0 35,510
Russell 3000 ETF 464287689 15,299 60,031 SH   SOLE   0 0 60,031
Schw Emg Mkt Eq Etf ETF 808524706 528 17,317 SH   SOLE   0 0 17,317
Schw US Brd Mkt Etf ETF 808524102 1,990 19,164 SH   SOLE   0 0 19,164
SCHWAB STRATEGIC TR INTRM TRM TRES ETF ETF 808524854 1,385 24,428 SH   SOLE   0 0 24,428
SCHWAB STRATEGIC TR SHT TM US TRES ETF ETF 808524862 656 12,815 SH   SOLE   0 0 12,815
Sempra Energy COM 816851109 358 2,831 SH   SOLE   0 0 2,831
SPDR Dow Jones Industrial Average ETF ETF 78467X109 291 859 SH   SOLE   0 0 859
SPDR Trust (S&P 500) ETF 78462F103 15,167 35,343 SH   SOLE   0 0 35,343
Tesla Motors Inc COM 88160R101 288 371 SH   SOLE   0 0 371
The Southern Company COM 842587107 1,837 29,651 SH   SOLE   0 0 29,651
The Trade Desk Inc COM 88339J105 689 9,800 SH   SOLE   0 0 9,800
Thermo Electron Corp COM 883556102 586 1,026 SH   SOLE   0 0 1,026
TMC THE METALS COMPANY ORD COM G8598Y109 91 20,000 SH   SOLE   0 0 20,000
Vanguard Div Apprciation ETF 921908844 240 1,561 SH   SOLE   0 0 1,561
Vanguard Emerging Market ETF 922042858 768 15,362 SH   SOLE   0 0 15,362
Vanguard ESG Int'l ETF ETF 921910725 5,517 89,362 SH   SOLE   0 0 89,362
Vanguard ESG U.S. Stock ETF ETF 921910733 12,183 152,170 SH   SOLE   0 0 152,170
Vanguard Growth ETF 922908736 8,692 29,954 SH   SOLE   0 0 29,954
Vanguard High Dividend ETF ETF 921946406 223 2,156 SH   SOLE   0 0 2,156
Vanguard Info Technology ETF 92204A702 329 820 SH   SOLE   0 0 820
Vanguard Interm Bond Index ETF ETF 921937819 22,266 248,954 SH   SOLE   0 0 248,954
Vanguard Reit ETF 922908553 3,809 37,420 SH   SOLE   0 0 37,420
Vanguard Russell 1000 ETF 92206C714 1,151 16,757 SH   SOLE   0 0 16,757
Vanguard Russell 3000 ETF ETF 92206C599 3,337 16,846 SH   SOLE   0 0 16,846
Vanguard S&P 500 Etf ETF 922908363 624 1,583 SH   SOLE   0 0 1,583
Vanguard Shrt Inf Prot ETF 922020805 2,434 46,300 SH   SOLE   0 0 46,300
Vanguard Small Cap Value ETF 922908611 678 4,005 SH   SOLE   0 0 4,005
Vanguard ST Bond Idx ETF ETF 921937827 49,563 604,869 SH   SOLE   0 0 604,869
Vanguard Total Bond ETF 921937835 3,497 40,929 SH   SOLE   0 0 40,929
Vanguard Total Internatl ETF 92203J407 427 7,505 SH   SOLE   0 0 7,505
Vanguard Total Intl Etf ETF 921909768 827 13,070 SH   SOLE   0 0 13,070
Vanguard Total Stock Mkt ETF 922908769 90,684 408,378 SH   SOLE   0 0 408,378
Vanguard Value ETF 922908744 5,894 43,540 SH   SOLE   0 0 43,540
Verizon Communications COM 92343V104 646 11,968 SH   SOLE   0 0 11,968
Visa Inc Cl A COM 92826C839 789 3,542 SH   SOLE   0 0 3,542
Weyerhaeuser Co COM 962166104 656 18,435 SH   SOLE   0 0 18,435
Yum! Brands Inc COM 988498101 364 2,977 SH   SOLE   0 0 2,977
Zoetis Inc COM 98978V103 433 2,231 SH   SOLE   0 0 2,231