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
3M COM 88579Y101 307 1,730 SH   SOLE   0 0 1,730
Abbott Laboratories COM 002824100 1,470 10,447 SH   SOLE   0 0 10,447
Abbvie Inc COM 00287Y109 1,575 11,631 SH   SOLE   0 0 11,631
Accenture Plc Cl A COM G1151C101 960 2,315 SH   SOLE   0 0 2,315
Altair Engineering Inc. COM 021369103 11,620 150,289 SH   SOLE   0 0 150,289
Amazon Com Inc COM 023135106 1,074 322 SH   SOLE   0 0 322
American Elec Pwr Inc COM 025537101 320 3,600 SH   SOLE   0 0 3,600
ANTHEM INC COM COM 036752103 201 435 SH   SOLE   0 0 435
Apple Computer Inc COM 037833100 8,587 48,356 SH   SOLE   0 0 48,356
Arrow Financial Corp COM 042744102 413 11,732 SH   SOLE   0 0 11,732
AT & T Inc. COM 00206R102 203 8,266 SH   SOLE   0 0 8,266
AVANTIS US SMALL CAP VALUE ETF ETF 025072877 397 4,984 SH   SOLE   0 0 4,984
Avantis International Equity ETF ETF 025072703 4,783 75,452 SH   SOLE   0 0 75,452
Bank of America COM 060505104 224 5,045 SH   SOLE   0 0 5,045
Berkshire Hathaway A COM 084670108 1,352 300 SH   SOLE   0 0 300
Berkshire Hathaway B New COM 084670702 408 1,364 SH   SOLE   0 0 1,364
BGI i Shares/TIPS ETF 464287176 3,834 29,674 SH   SOLE   0 0 29,674
Blackstone Group Lp COM 09260D107 531 4,101 SH   SOLE   0 0 4,101
Boeing Co COM 097023105 314 1,558 SH   SOLE   0 0 1,558
Bristol-Myers Squibb Co COM 110122108 616 9,884 SH   SOLE   0 0 9,884
C S X Corp COM 126408103 541 14,400 SH   SOLE   0 0 14,400
Cintas Corporation COM 172908105 443 1,000 SH   SOLE   0 0 1,000
Clarivate Analytics Plc Ordinary Shares COM G21810109 212 9,000 SH   SOLE   0 0 9,000
Coca Cola Company COM 191216100 1,281 21,630 SH   SOLE   0 0 21,630
Comcast Corp New Cl A COM 20030N101 386 7,672 SH   SOLE   0 0 7,672
Consolidated Edison Inc COM 209115104 299 3,500 SH   SOLE   0 0 3,500
Costco Whsl Corp New COM 22160K105 357 629 SH   SOLE   0 0 629
Crown Castle Intl Corp COM 22822V101 459 2,200 SH   SOLE   0 0 2,200
Cryoport Inc Com Par $0.001 COM 229050307 237 4,000 SH   SOLE   0 0 4,000
Deere & Co COM 244199105 280 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302 1,920 70,164 SH   SOLE   0 0 70,164
DFA Int'l Core Equity ETF ETF 25434V203 3,719 125,756 SH   SOLE   0 0 125,756
DFA Tax Managed Intl ETF 25434V807 1,797 54,767 SH   SOLE   0 0 54,767
Dfa Tax-Mng US Equity PO ETF 25434V401 670 12,967 SH   SOLE   0 0 12,967
DFA U.S. Small Cap (TM) ETF 25434V500 528 8,802 SH   SOLE   0 0 8,802
DFA U.S. Small Cap Value (TM) ETF 25434V609 4,480 94,271 SH   SOLE   0 0 94,271
DFA US Core Equity ETF ETF 25434V104 939 28,464 SH   SOLE   0 0 28,464
Disney Company COM 254687106 279 1,800 SH   SOLE   0 0 1,800
DTE Energy Company COM 233331107 438 3,664 SH   SOLE   0 0 3,664
Duke Energy Corporation COM 26441C204 574 5,474 SH   SOLE   0 0 5,474
Enbridge Inc COM 29250N105 531 13,586 SH   SOLE   0 0 13,586
Exxon Mobil Corporation COM 30231G102 1,129 18,452 SH   SOLE   0 0 18,452
Facebook Inc Class A COM 30303M102 353 1,050 SH   SOLE   0 0 1,050
First Merchants Corp COM 320817109 1,480 35,335 SH   SOLE   0 0 35,335
Global Payments Inc COM 37940X102 221 1,636 SH   SOLE   0 0 1,636
Google Inc. Class A COM 02079K305 536 185 SH   SOLE   0 0 185
Google Inc. Class C COM 02079K107 608 210 SH   SOLE   0 0 210
Heartland Finl Usa COM 42234Q102 2,420 47,808 SH   SOLE   0 0 47,808
Home Depot Inc COM 437076102 213 513 SH   SOLE   0 0 513
Ihs Markit Ltd COM G47567105 2,127 16,000 SH   SOLE   0 0 16,000
Intuit Inc COM 461202103 533 829 SH   SOLE   0 0 829
Invesco QQQ Trust ETF 46090E103 1,065 2,677 SH   SOLE   0 0 2,677
iShares Aggregate Bond Fd ETF 464287226 2,057 18,033 SH   SOLE   0 0 18,033
iShares C&S Real Estate ETF 464287564 501 6,582 SH   SOLE   0 0 6,582
iShares Core S&P Total US Stock Mkt ETF ETF 464287150 367 3,431 SH   SOLE   0 0 3,431
iShares Global REIT ETF ETF 46434V647 233 7,612 SH   SOLE   0 0 7,612
iShares MSCI Emrg Mkt ETF 464287234 1,803 36,916 SH   SOLE   0 0 36,916
iShares MSCI/EAFE Index ETF 464287465 1,131 14,380 SH   SOLE   0 0 14,380
Ishares Nationl Muni Bond ETF 464288414 5,790 49,796 SH   SOLE   0 0 49,796
iShares Russell 1000 ETF 464287622 1,341 5,073 SH   SOLE   0 0 5,073
iShares S&P 500 Growth ETF 464287309 3,709 44,326 SH   SOLE   0 0 44,326
iShares S&P 500 Index ETF 464287200 2,184 4,579 SH   SOLE   0 0 4,579
iShares S&P 500 Value ETF 464287408 1,246 7,953 SH   SOLE   0 0 7,953
iShares S&P Sm Cap Value ETF 464287879 432 4,136 SH   SOLE   0 0 4,136
iShares Tr Barclays Bond ETF 464287457 927 10,836 SH   SOLE   0 0 10,836
Ishares Tr Sh Tr Crport Etf ETF 464288646 308 5,719 SH   SOLE   0 0 5,719
iShares Ultra Short-Term Bond ETF ETF 46434V878 7,096 140,824 SH   SOLE   0 0 140,824
Johnson & Johnson COM 478160104 1,614 9,437 SH   SOLE   0 0 9,437
JPMorgan Chase & Co. COM 46625H100 271 1,709 SH   SOLE   0 0 1,709
Lilly Eli & Company COM 532457108 785 2,842 SH   SOLE   0 0 2,842
M F S Intermdt Income Tr ETF 55273C107 105 29,319 SH   SOLE   0 0 29,319
Mastercard Inc COM 57636Q104 499 1,390 SH   SOLE   0 0 1,390
Mc Donalds Corp COM 580135101 521 1,942 SH   SOLE   0 0 1,942
Merck & Co COM 58933Y105 237 3,093 SH   SOLE   0 0 3,093
Microsoft Corp COM 594918104 1,838 5,466 SH   SOLE   0 0 5,466
Mid Cap S P D R TRUST ETF 78467Y107 5,431 10,490 SH   SOLE   0 0 10,490
Nextera Energy Inc COM 65339F101 383 4,106 SH   SOLE   0 0 4,106
Nike Inc Class B COM 654106103 681 4,088 SH   SOLE   0 0 4,088
Northrop Grumman Corp COM 666807102 808 2,087 SH   SOLE   0 0 2,087
Novo-Nordisk A-S COM 670100205 1,120 10,000 SH   SOLE   0 0 10,000
Nvidia Corp COM 67066G104 235 800 SH   SOLE   0 0 800
Oracle Corporation COM 68389X105 230 2,634 SH   SOLE   0 0 2,634
Pepsico Incorporated COM 713448108 2,485 14,308 SH   SOLE   0 0 14,308
Pfizer Incorporated COM 717081103 870 14,735 SH   SOLE   0 0 14,735
Procter & Gamble Co COM 742718109 1,162 7,106 SH   SOLE   0 0 7,106
Raytheon Technologies Ord COM 75513E101 265 3,075 SH   SOLE   0 0 3,075
Rocket Cos Inc-Class A COM 77311W101 143 10,200 SH   SOLE   0 0 10,200
Russell 1000/ Lrg. Growth ETF 464287614 2,834 9,273 SH   SOLE   0 0 9,273
Russell 1000/ Lrg. Value ETF 464287598 4,416 26,295 SH   SOLE   0 0 26,295
Russell 2000/ Small Growth ETF 464287648 226 770 SH   SOLE   0 0 770
Russell 2000/ Small Value ETF 464287630 599 3,608 SH   SOLE   0 0 3,608
Russell 2000/Small Blend ETF 464287655 7,989 35,915 SH   SOLE   0 0 35,915
Russell 3000 ETF 464287689 16,164 58,248 SH   SOLE   0 0 58,248
Schw Emg Mkt Eq Etf ETF 808524706 436 14,723 SH   SOLE   0 0 14,723
Schw US Brd Mkt Etf ETF 808524102 2,087 18,464 SH   SOLE   0 0 18,464
SCHWAB STRATEGIC TR INTRM TRM TRES ETF ETF 808524854 810 14,428 SH   SOLE   0 0 14,428
SCHWAB STRATEGIC TR SHT TM US TRES ETF ETF 808524862 1,734 34,095 SH   SOLE   0 0 34,095
Sempra Energy COM 816851109 374 2,831 SH   SOLE   0 0 2,831
Sherwin Williams Co COM 824348106 230 652 SH   SOLE   0 0 652
SPDR Dow Jones Industrial Average ETF ETF 78467X109 312 859 SH   SOLE   0 0 859
SPDR Trust (S&P 500) ETF 78462F103 16,687 35,134 SH   SOLE   0 0 35,134
The Southern Company COM 842587107 1,861 27,135 SH   SOLE   0 0 27,135
The Trade Desk Inc COM 88339J105 898 9,800 SH   SOLE   0 0 9,800
Thermo Electron Corp COM 883556102 685 1,026 SH   SOLE   0 0 1,026
TMC THE METALS COMPANY ORD COM G8598Y109 83 40,000 SH   SOLE   0 0 40,000
Toyota Motor Cp Adr Newf COM 892331307 213 1,150 SH   SOLE   0 0 1,150
Vaneck Vectors Junior ETF 92189F791 210 5,000 SH   SOLE   0 0 5,000
Vanguard Div Apprciation ETF 921908844 268 1,561 SH   SOLE   0 0 1,561
Vanguard Emerging Market ETF 922042858 694 14,023 SH   SOLE   0 0 14,023
Vanguard ESG Int'l ETF ETF 921910725 5,536 89,264 SH   SOLE   0 0 89,264
Vanguard ESG U.S. Stock ETF ETF 921910733 12,774 145,336 SH   SOLE   0 0 145,336
Vanguard Growth ETF 922908736 9,606 29,935 SH   SOLE   0 0 29,935
Vanguard High Dividend ETF ETF 921946406 239 2,130 SH   SOLE   0 0 2,130
Vanguard Info Technology ETF 92204A702 376 820 SH   SOLE   0 0 820
Vanguard Interm Bond Index ETF ETF 921937819 21,208 242,048 SH   SOLE   0 0 242,048
Vanguard Msci Eafe Etf ETF 921943858 620 12,143 SH   SOLE   0 0 12,143
Vanguard Reit ETF 922908553 4,381 37,760 SH   SOLE   0 0 37,760
Vanguard Russell 1000 ETF 92206C714 1,236 16,757 SH   SOLE   0 0 16,757
Vanguard Russell 3000 ETF ETF 92206C599 3,614 16,754 SH   SOLE   0 0 16,754
Vanguard S&P 500 Etf ETF 922908363 705 1,614 SH   SOLE   0 0 1,614
Vanguard Short Term ETF 92206C102 941 15,472 SH   SOLE   0 0 15,472
Vanguard Shrt Inf Prot ETF 922020805 2,983 58,028 SH   SOLE   0 0 58,028
Vanguard Small Cap Value ETF 922908611 778 4,352 SH   SOLE   0 0 4,352
Vanguard ST Bond Idx ETF ETF 921937827 50,645 626,556 SH   SOLE   0 0 626,556
Vanguard Total Bond ETF 921937835 5,934 70,021 SH   SOLE   0 0 70,021
Vanguard Total Internatl ETF 92203J407 3,303 59,885 SH   SOLE   0 0 59,885
Vanguard Total Intl Etf ETF 921909768 996 15,667 SH   SOLE   0 0 15,667
Vanguard Total Stock Mkt ETF 922908769 100,467 416,116 SH   SOLE   0 0 416,116
Vanguard Ultra-Short Bond ETF ETF 92203C303 410 8,199 SH   SOLE   0 0 8,199
Vanguard Value ETF 922908744 7,142 48,548 SH   SOLE   0 0 48,548
Verizon Communications COM 92343V104 605 11,638 SH   SOLE   0 0 11,638
Visa Inc Cl A COM 92826C839 768 3,542 SH   SOLE   0 0 3,542
Weyerhaeuser Co COM 962166104 561 13,624 SH   SOLE   0 0 13,624
Yum! Brands Inc COM 988498101 566 4,077 SH   SOLE   0 0 4,077
Zoetis Inc COM 98978V103 518 2,122 SH   SOLE   0 0 2,122