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 258 1,732 SH   SOLE   0 0 1,732
Abbott Laboratories COM 002824100 1,209 10,214 SH   SOLE   0 0 10,214
Abbvie Inc COM 00287Y109 1,850 11,409 SH   SOLE   0 0 11,409
Accenture Plc Cl A COM G1151C101 781 2,315 SH   SOLE   0 0 2,315
Altair Engineering Inc. COM 021369103 9,550 148,289 SH   SOLE   0 0 148,289
Amazon Com Inc COM 023135106 958 294 SH   SOLE   0 0 294
American Elec Pwr Inc COM 025537101 314 3,149 SH   SOLE   0 0 3,149
ANTHEM INC COM COM 036752103 214 435 SH   SOLE   0 0 435
Apple Computer Inc COM 037833100 8,202 46,974 SH   SOLE   0 0 46,974
ARK Innovation ETF ETF 00214Q104 305 4,600 SH   SOLE   0 0 4,600
Arrow Financial Corp COM 042744102 381 11,752 SH   SOLE   0 0 11,752
Avantis Emerging Markets EQ ETF ETF 025072604 413 6,959 SH   SOLE   0 0 6,959
Avantis International Equity ETF ETF 025072703 3,484 57,735 SH   SOLE   0 0 57,735
Avantis Real Estate ETF ETF 025072356 240 4,569 SH   SOLE   0 0 4,569
Avantis US Small Cap Value ETF ETF 025072877 445 5,577 SH   SOLE   0 0 5,577
Berkshire Hathaway A COM 084670108 1,587 3 SH   SOLE   0 0 3
Berkshire Hathaway B New COM 084670702 552 1,564 SH   SOLE   0 0 1,564
BGI i Shares/TIPS ETF 464287176 3,023 24,265 SH   SOLE   0 0 24,265
Blackstone Group Lp COM 09260D107 521 4,100 SH   SOLE   0 0 4,100
Boeing Co COM 097023105 298 1,558 SH   SOLE   0 0 1,558
Bristol-Myers Squibb Co COM 110122108 780 10,684 SH   SOLE   0 0 10,684
C S X Corp COM 126408103 539 14,400 SH   SOLE   0 0 14,400
Chevrontexaco Corp COM 166764100 220 1,353 SH   SOLE   0 0 1,353
Coca Cola Company COM 191216100 1,028 16,585 SH   SOLE   0 0 16,585
Comcast Corp New Cl A COM 20030N101 399 8,526 SH   SOLE   0 0 8,526
Consolidated Edison Inc COM 209115104 415 4,378 SH   SOLE   0 0 4,378
Costco Whsl Corp New COM 22160K105 329 572 SH   SOLE   0 0 572
Crown Castle Intl Corp COM 22822V101 406 2,200 SH   SOLE   0 0 2,200
Deere & Co COM 244199105 340 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302 2,145 81,761 SH   SOLE   0 0 81,761
DFA Int'l Core Equity ETF ETF 25434V203 10,644 378,104 SH   SOLE   0 0 378,104
DFA Tax Managed Intl ETF 25434V807 1,834 54,767 SH   SOLE   0 0 54,767
DFA Tax-Managed US Marketwide Value II ETF 25434V831 9,563 265,278 SH   SOLE   0 0 265,278
Dfa Tax-Mng US Equity PO ETF 25434V401 621 12,664 SH   SOLE   0 0 12,664
DFA U.S. Small Cap (TM) ETF 25434V500 337 6,003 SH   SOLE   0 0 6,003
DFA U.S. Small Cap Value (TM) ETF 25434V609 4,063 87,234 SH   SOLE   0 0 87,234
DFA US Core Equity ETF ETF 25434V104 3,131 99,329 SH   SOLE   0 0 99,329
Dimensional National Munpl Bond ETF ETF 25434V849 1,693 34,943 SH   SOLE   0 0 34,943
Disney Company COM 254687106 249 1,819 SH   SOLE   0 0 1,819
DTE Energy Company COM 233331107 484 3,664 SH   SOLE   0 0 3,664
Duke Energy Corporation COM 26441C204 380 3,402 SH   SOLE   0 0 3,402
Enbridge Inc COM 29250N105 631 13,693 SH   SOLE   0 0 13,693
Ev Tax Man Glb Div Eqty ETF 27829F108 333 34,275 SH   SOLE   0 0 34,275
Exxon Mobil Corporation COM 30231G102 1,497 18,128 SH   SOLE   0 0 18,128
Facebook Inc Class A COM 30303M102 233 1,050 SH   SOLE   0 0 1,050
First Merchants Corp COM 320817109 1,470 35,335 SH   SOLE   0 0 35,335
Global Payments Inc COM 37940X102 224 1,636 SH   SOLE   0 0 1,636
Google Inc. Class A COM 02079K305 523 188 SH   SOLE   0 0 188
Google Inc. Class C COM 02079K107 522 187 SH   SOLE   0 0 187
Heartland Finl Usa COM 42234Q102 2,287 47,808 SH   SOLE   0 0 47,808
Honeywell International COM 438516106 257 1,319 SH   SOLE   0 0 1,319
Intuit Inc COM 461202103 372 773 SH   SOLE   0 0 773
Invesco QQQ Trust ETF 46090E103 966 2,665 SH   SOLE   0 0 2,665
iShares Aggregate Bond Fd ETF 464287226 2,067 19,298 SH   SOLE   0 0 19,298
iShares C&S Real Estate ETF 464287564 467 6,582 SH   SOLE   0 0 6,582
Ishares Core Msci ETF 46434G103 305 5,487 SH   SOLE   0 0 5,487
iShares Core S&P Total US Stock Mkt ETF ETF 464287150 4,982 49,353 SH   SOLE   0 0 49,353
iShares Global REIT ETF ETF 46434V647 1,047 35,854 SH   SOLE   0 0 35,854
iShares MSCI Emrg Mkt ETF 464287234 1,580 34,994 SH   SOLE   0 0 34,994
iShares MSCI/EAFE Index ETF 464287465 1,112 15,112 SH   SOLE   0 0 15,112
Ishares Nationl Muni Bond ETF 464288414 679 6,192 SH   SOLE   0 0 6,192
iShares Russell 1000 ETF 464287622 1,206 4,824 SH   SOLE   0 0 4,824
iShares S&P 500 Growth ETF 464287309 3,006 39,353 SH   SOLE   0 0 39,353
iShares S&P 500 Index ETF 464287200 2,158 4,756 SH   SOLE   0 0 4,756
iShares S&P 500 Value ETF 464287408 1,279 8,213 SH   SOLE   0 0 8,213
iShares Short-Term National Muni Bond ETF 464288158 7,677 73,395 SH   SOLE   0 0 73,395
iShares Tr Barclays Bond ETF 464287457 904 10,840 SH   SOLE   0 0 10,840
iShares Tr S&P Smallcap ETF 464287804 254 2,353 SH   SOLE   0 0 2,353
Ishares Tr Sh Tr Crport Etf ETF 464288646 296 5,719 SH   SOLE   0 0 5,719
iShares Ultra Short-Term Bond ETF ETF 46434V878 8,039 160,297 SH   SOLE   0 0 160,297
Johnson & Johnson COM 478160104 1,676 9,457 SH   SOLE   0 0 9,457
JPMorgan Chase & Co. COM 46625H100 233 1,709 SH   SOLE   0 0 1,709
Lilly Eli & Company COM 532457108 814 2,842 SH   SOLE   0 0 2,842
M F S Intermdt Income Tr ETF 55273C107 92 29,319 SH   SOLE   0 0 29,319
Mastercard Inc COM 57636Q104 497 1,390 SH   SOLE   0 0 1,390
Mc Donalds Corp COM 580135101 441 1,782 SH   SOLE   0 0 1,782
Merck & Co COM 58933Y105 245 2,982 SH   SOLE   0 0 2,982
Microsoft Corp COM 594918104 1,560 5,060 SH   SOLE   0 0 5,060
Mid Cap S P D R TRUST ETF 78467Y107 5,129 10,458 SH   SOLE   0 0 10,458
Nextera Energy Inc COM 65339F101 255 3,006 SH   SOLE   0 0 3,006
Nike Inc Class B COM 654106103 550 4,088 SH   SOLE   0 0 4,088
Northrop Grumman Corp COM 666807102 815 1,823 SH   SOLE   0 0 1,823
Novo-Nordisk A-S COM 670100205 1,111 10,000 SH   SOLE   0 0 10,000
Nvidia Corp COM 67066G104 218 800 SH   SOLE   0 0 800
Oracle Corporation COM 68389X105 218 2,634 SH   SOLE   0 0 2,634
Pepsico Incorporated COM 713448108 2,261 13,508 SH   SOLE   0 0 13,508
Pfizer Incorporated COM 717081103 732 14,138 SH   SOLE   0 0 14,138
Procter & Gamble Co COM 742718109 1,036 6,781 SH   SOLE   0 0 6,781
ProShares UltraPro Short S&P500 ETF 74347B110 240 18,000 SH   SOLE   0 0 18,000
Raytheon Technologies Ord COM 75513E101 305 3,081 SH   SOLE   0 0 3,081
Russell 1000/ Lrg. Growth ETF 464287614 2,723 9,806 SH   SOLE   0 0 9,806
Russell 1000/ Lrg. Value ETF 464287598 4,170 25,122 SH   SOLE   0 0 25,122
Russell 2000/ Small Value ETF 464287630 598 3,707 SH   SOLE   0 0 3,707
Russell 2000/Small Blend ETF 464287655 7,660 37,317 SH   SOLE   0 0 37,317
Russell 3000 ETF 464287689 15,051 57,365 SH   SOLE   0 0 57,365
S&Pglobal Inc Com ETF 78409V104 1,258 3,066 SH   SOLE   0 0 3,066
Schw Emg Mkt Eq Etf ETF 808524706 376 13,535 SH   SOLE   0 0 13,535
Schw US Brd Mkt Etf ETF 808524102 1,940 36,328 SH   SOLE   0 0 36,328
SCHWAB STRATEGIC TR INTRM TRM TRES ETF ETF 808524854 840 15,778 SH   SOLE   0 0 15,778
SCHWAB STRATEGIC TR SHT TM US TRES ETF ETF 808524862 4,171 84,185 SH   SOLE   0 0 84,185
Sempra Energy COM 816851109 471 2,802 SH   SOLE   0 0 2,802
SPDR Dow Jones Industrial Average ETF ETF 78467X109 298 859 SH   SOLE   0 0 859
SPDR Trust (S&P 500) ETF 78462F103 16,290 36,069 SH   SOLE   0 0 36,069
The Southern Company COM 842587107 2,004 27,635 SH   SOLE   0 0 27,635
The Trade Desk Inc COM 88339J105 579 8,360 SH   SOLE   0 0 8,360
Thermo Electron Corp COM 883556102 458 776 SH   SOLE   0 0 776
TMC THE METALS COMPANY ORD COM 87261Y106 104 40,000 SH   SOLE   0 0 40,000
Vanguard Div Apprciation ETF 921908844 253 1,561 SH   SOLE   0 0 1,561
Vanguard Emerging Market ETF 922042858 833 18,055 SH   SOLE   0 0 18,055
Vanguard ESG Int'l ETF ETF 921910725 5,553 97,088 SH   SOLE   0 0 97,088
Vanguard ESG U.S. Stock ETF ETF 921910733 12,262 151,229 SH   SOLE   0 0 151,229
Vanguard Growth ETF 922908736 9,019 31,358 SH   SOLE   0 0 31,358
Vanguard High Dividend ETF ETF 921946406 237 2,111 SH   SOLE   0 0 2,111
Vanguard Info Technology ETF 92204A702 529 1,270 SH   SOLE   0 0 1,270
Vanguard Interm Bond Index ETF ETF 921937819 20,078 245,149 SH   SOLE   0 0 245,149
Vanguard Mid Cap ETF 922908629 371 1,558 SH   SOLE   0 0 1,558
Vanguard Reit ETF 922908553 3,647 33,655 SH   SOLE   0 0 33,655
Vanguard Russell 1000 ETF 92206C714 1,217 16,717 SH   SOLE   0 0 16,717
Vanguard Russell 3000 ETF ETF 92206C599 4,007 19,647 SH   SOLE   0 0 19,647
Vanguard S&P 500 Etf ETF 922908363 679 1,635 SH   SOLE   0 0 1,635
Vanguard Short Term ETF 92206C102 908 15,327 SH   SOLE   0 0 15,327
Vanguard Shrt Inf Prot ETF 922020805 2,359 46,072 SH   SOLE   0 0 46,072
Vanguard Small Cap Value ETF 922908611 1,184 6,732 SH   SOLE   0 0 6,732
Vanguard ST Bond Idx ETF ETF 921937827 46,934 602,495 SH   SOLE   0 0 602,495
Vanguard Total Bond ETF 921937835 4,551 57,222 SH   SOLE   0 0 57,222
Vanguard Total Internatl ETF 92203J407 1,496 28,534 SH   SOLE   0 0 28,534
Vanguard Total Intl Etf ETF 921909768 712 11,921 SH   SOLE   0 0 11,921
Vanguard Total Stock Mkt ETF 922908769 91,457 401,708 SH   SOLE   0 0 401,708
Vanguard Value ETF 922908744 8,186 55,390 SH   SOLE   0 0 55,390
Verizon Communications COM 92343V104 682 13,381 SH   SOLE   0 0 13,381
Visa Inc Cl A COM 92826C839 694 3,127 SH   SOLE   0 0 3,127
Weyerhaeuser Co COM 962166104 516 13,624 SH   SOLE   0 0 13,624
Yum! Brands Inc COM 988498101 510 4,305 SH   SOLE   0 0 4,305
Zoetis Inc COM 98978V103 298 1,582 SH   SOLE   0 0 1,582