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
Berkshire Hathaway Inc Del COM 084670108   1,406,133 3 SH   SOLE   0 0 3
Abbott Laboratories COM 002824100   382,399 3,483 SH   SOLE   0 0 3,483
Abbvie Inc COM 00287Y109   1,484,873 9,188 SH   SOLE   0 0 9,188
Accenture Plc Cl A COM G1151C101   609,463 2,284 SH   SOLE   0 0 2,284
Amazon Com Inc COM 023135106   640,920 7,630 SH   SOLE   0 0 7,630
Apple Computer Inc COM 037833100   5,928,643 45,630 SH   SOLE   0 0 45,630
Arrow Financial Corp COM 042744102   412,549 12,170 SH   SOLE   0 0 12,170
Avantis Emerging Markets EQ ETF ETF 025072604   1,164,638 23,085 SH   SOLE   0 0 23,085
Avantis International Equity ETF ETF 025072703   15,130,481 284,461 SH   SOLE   0 0 284,461
Avantis Real Estate ETF ETF 025072356   555,778 13,516 SH   SOLE   0 0 13,516
Avantis Responsible International Equity ETF COM 025072299   537,728 11,424 SH   SOLE   0 0 11,424
Avantis Responsible US Equity ETF ETF 025072281   1,098,217 24,010 SH   SOLE   0 0 24,010
Avantis U.S. Equity ETF ETF 025072885   470,357 6,916 SH   SOLE   0 0 6,916
Avantis US Small Cap Value ETF ETF 025072877   628,673 8,437 SH   SOLE   0 0 8,437
Berkshire Hathaway B New COM 084670702   575,790 1,864 SH   SOLE   0 0 1,864
BGI i Shares/TIPS ETF 464287176   804,580 7,559 SH   SOLE   0 0 7,559
Blackstone Group Lp ETF 09260D107   304,230 4,101 SH   SOLE   0 0 4,101
Bristol-Myers Squibb Co COM 110122108   316,940 4,405 SH   SOLE   0 0 4,405
C S X Corp COM 126408103   334,584 10,800 SH   SOLE   0 0 10,800
Coca Cola Company COM 191216100   1,014,174 15,944 SH   SOLE   0 0 15,944
Comcast Corp New Cl A COM 20030N101   175,444 5,017 SH   SOLE   0 0 5,017
Consolidated Edison Inc COM 209115104   325,007 3,410 SH   SOLE   0 0 3,410
Costco Whsl Corp New COM 22160K105   224,142 491 SH   SOLE   0 0 491
Crown Castle Intl Corp COM 22822V101   298,408 2,200 SH   SOLE   0 0 2,200
Deere & Co COM 244199105   350,726 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302   14,435,069 657,634 SH   SOLE   0 0 657,634
DFA Int'l Core Equity ETF ETF 25434V203   8,039,217 321,055 SH   SOLE   0 0 321,055
DFA Tax Managed Intl ETF 25434V807   1,696,533 55,807 SH   SOLE   0 0 55,807
DFA Tax-Managed US Marketwide Value II ETF 25434V724   11,812,514 352,823 SH   SOLE   0 0 352,823
DFA U.S. Equity ETF ETF 25434V401   538,309 12,937 SH   SOLE   0 0 12,937
DFA U.S. Small Cap (TM) ETF 25434V500   290,737 5,684 SH   SOLE   0 0 5,684
DFA U.S. Small Cap Value (TM) ETF 25434V609   3,611,502 82,173 SH   SOLE   0 0 82,173
DFA US Core Equity ETF ETF 25434V104   5,387,545 199,391 SH   SOLE   0 0 199,391
Dimensional National Munpl Bond ETF ETF 25434V849   441,717 9,239 SH   SOLE   0 0 9,239
Dimensional US Small Cap Value ETF ETF 25434V815   978,043 39,485 SH   SOLE   0 0 39,485
DTE Energy Company COM 233331107   396,594 3,374 SH   SOLE   0 0 3,374
Duke Energy Corporation COM 26441C204   350,473 3,403 SH   SOLE   0 0 3,403
Enbridge Inc COM 29250N105   429,826 10,993 SH   SOLE   0 0 10,993
Exxon Mobil Corporation COM 30231G102   1,480,029 13,418 SH   SOLE   0 0 13,418
First Merchants Corp COM 320817109   1,348,614 32,805 SH   SOLE   0 0 32,805
Google Inc. Class A COM 02079K305   459,061 5,203 SH   SOLE   0 0 5,203
Intuit Inc COM 461202103   237,243 610 SH   SOLE   0 0 610
Invesco QQQ Trust ETF 46090E103   992,230 3,726 SH   SOLE   0 0 3,726
iShares 1-3 Year Treasury Bond ETF ETF 464287457   847,442 10,440 SH   SOLE   0 0 10,440
iShares 5-10 Year Investment Grade Corporate Bond ETF ETF 464288638   2,042,288 41,250 SH   SOLE   0 0 41,250
iShares Aggregate Bond Fd ETF 464287226   4,297,440 44,308 SH   SOLE   0 0 44,308
iShares C&S Real Estate ETF 464287564   368,634 6,722 SH   SOLE   0 0 6,722
iShares Core MSCI Emerging Markets ETF ETF 46434G103   953,801 20,424 SH   SOLE   0 0 20,424
iShares Core S&P 500 ETF ETF 464287200   11,270,113 29,333 SH   SOLE   0 0 29,333
iShares Core S&P Small-Cap ETF ETF 464287804   1,271,758 13,438 SH   SOLE   0 0 13,438
iShares Core S&P Total US Stock Mkt ETF ETF 464287150   509,971 6,014 SH   SOLE   0 0 6,014
iShares ESG 1-5 Year USD Corporate Bond ETF ETF 46435G243   306,514 12,895 SH   SOLE   0 0 12,895
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549   631,130 13,503 SH   SOLE   0 0 13,503
iShares Global REIT ETF ETF 46434V647   6,935,975 305,415 SH   SOLE   0 0 305,415
iShares Gold ETF 464285204   276,651 7,998 SH   SOLE   0 0 7,998
iShares MSCI EAFE ETF ETF 464287465   1,062,090 16,181 SH   SOLE   0 0 16,181
iShares MSCI Emerging Markets ETF ETF 464287234   320,103 8,446 SH   SOLE   0 0 8,446
iShares National Muni Bond ETF ETF 464288414   992,521 9,406 SH   SOLE   0 0 9,406
iShares Russell 1000 ETF ETF 464287622   803,684 3,818 SH   SOLE   0 0 3,818
iShares S&P 500 Growth ETF ETF 464287309   2,196,945 37,555 SH   SOLE   0 0 37,555
iShares S&P 500 Value ETF ETF 464287408   1,102,387 7,599 SH   SOLE   0 0 7,599
iShares Short-Term National Muni Bond ETF ETF 464288158   2,053,910 19,698 SH   SOLE   0 0 19,698
iShares Ultra Short-Term Bond ETF ETF 46434V878   10,954,675 218,918 SH   SOLE   0 0 218,918
Johnson & Johnson COM 478160104   759,397 4,299 SH   SOLE   0 0 4,299
Lilly Eli & Company COM 532457108   966,915 2,643 SH   SOLE   0 0 2,643
Mastercard Inc COM 57636Q104   483,345 1,390 SH   SOLE   0 0 1,390
Mc Donalds Corp COM 580135101   982,719 3,729 SH   SOLE   0 0 3,729
Merck & Co COM 58933Y105   275,427 2,482 SH   SOLE   0 0 2,482
Microsoft Corp COM 594918104   1,190,137 4,963 SH   SOLE   0 0 4,963
Mid Cap S P D R TRUST ETF 78467Y107   4,621,860 10,438 SH   SOLE   0 0 10,438
Nike Inc Class B COM 654106103   460,208 3,933 SH   SOLE   0 0 3,933
Northrop Grumman Corp COM 666807102   994,647 1,823 SH   SOLE   0 0 1,823
Novo-Nordisk A-S COM 670100205   1,353,400 10,000 SH   SOLE   0 0 10,000
Pepsico Incorporated COM 713448108   1,992,680 11,030 SH   SOLE   0 0 11,030
Pfizer Incorporated COM 717081103   683,473 13,339 SH   SOLE   0 0 13,339
Procter & Gamble Co COM 742718109   423,762 2,796 SH   SOLE   0 0 2,796
Raytheon Technologies Ord COM 75513E101   313,288 3,104 SH   SOLE   0 0 3,104
Russell 1000/ Lrg. Growth ETF 464287614   1,995,613 9,315 SH   SOLE   0 0 9,315
Russell 1000/ Lrg. Value ETF 464287598   3,693,742 24,357 SH   SOLE   0 0 24,357
Russell 2000/ Small Value ETF 464287630   527,323 3,803 SH   SOLE   0 0 3,803
Russell 2000/Small Blend ETF 464287655   6,816,468 39,094 SH   SOLE   0 0 39,094
Russell 3000 ETF 464287689   12,376,749 56,085 SH   SOLE   0 0 56,085
Sch US Tips Etf ETF 808524870   669,075 12,919 SH   SOLE   0 0 12,919
Schw Emg Mkt Eq Etf ETF 808524706   236,345 9,985 SH   SOLE   0 0 9,985
Schw Intl Eq Etf ETF 808524805   310,236 9,632 SH   SOLE   0 0 9,632
Schw US Brd Mkt Etf ETF 808524102   4,630,531 103,337 SH   SOLE   0 0 103,337
Schw US Scap Etf ETF 808524607   128,889 3,182 SH   SOLE   0 0 3,182
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854   737,022 14,971 SH   SOLE   0 0 14,971
Schwab Short-Term U.S. Treasury ETF ETF 808524862   2,535,446 52,559 SH   SOLE   0 0 52,559
Schwab US Large Cap ETF 808524409   382,873 5,799 SH   SOLE   0 0 5,799
Schwab US Large Cap Etf ETF 808524201   178,410 3,951 SH   SOLE   0 0 3,951
Sempra Energy ETF 816851109   425,758 2,755 SH   SOLE   0 0 2,755
SPDR Dow Jones Industrial Average ETF ETF 78467X109   284,612 859 SH   SOLE   0 0 859
SPDR Trust (S&P 500) ETF 78462F103   16,170,057 42,282 SH   SOLE   0 0 42,282
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF ETF 78468R663   1,180,639 12,907 SH   SOLE   0 0 12,907
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   759,677 19,534 SH   SOLE   0 0 19,534
The Southern Company COM 842587107   1,735,763 24,307 SH   SOLE   0 0 24,307
The Trade Desk Inc COM 88339J105   240,289 5,360 SH   SOLE   0 0 5,360
Thermo Electron Corp COM 883556102   441,653 802 SH   SOLE   0 0 802
Vanguard Div Apprciation ETF 921908844   237,038 1,561 SH   SOLE   0 0 1,561
Vanguard Emerging Market ETF 922042858   728,687 18,694 SH   SOLE   0 0 18,694
Vanguard ESG Int'l ETF ETF 921910725   5,600,773 113,860 SH   SOLE   0 0 113,860
Vanguard ESG U.S. Stock ETF ETF 921910733   10,492,618 159,317 SH   SOLE   0 0 159,317
Vanguard Growth ETF 922908736   4,312,833 20,238 SH   SOLE   0 0 20,238
Vanguard High Dividend ETF ETF 921946406   1,230,456 11,371 SH   SOLE   0 0 11,371
Vanguard Info Technology ETF 92204A702   303,440 950 SH   SOLE   0 0 950
Vanguard Interm Bond Index ETF ETF 921937819   23,430,254 315,262 SH   SOLE   0 0 315,262
Vanguard Intermediate ETF 92206C870   201,629 2,601 SH   SOLE   0 0 2,601
Vanguard Mid Cap ETF 922908629   564,560 2,770 SH   SOLE   0 0 2,770
Vanguard Msci Eafe Etf ETF 921943858   1,010,638 24,080 SH   SOLE   0 0 24,080
Vanguard Reit ETF 922908553   3,545,677 42,988 SH   SOLE   0 0 42,988
Vanguard Russell 1000 ETF 92206C714   1,119,143 16,809 SH   SOLE   0 0 16,809
Vanguard Russell 1000 Growth ETF ETF 92206C680   1,572,463 28,528 SH   SOLE   0 0 28,528
Vanguard Russell 3000 ETF ETF 92206C599   9,042,466 52,649 SH   SOLE   0 0 52,649
Vanguard S&P 500 Etf ETF 922908363   597,770 1,701 SH   SOLE   0 0 1,701
Vanguard Short Term ETF 92206C102   1,341,019 23,193 SH   SOLE   0 0 23,193
Vanguard Short Term Corp Bond ETF 92206C409   1,333,335 17,733 SH   SOLE   0 0 17,733
Vanguard Short-Term Bond Index Fund ETF 921937827   55,281,464 734,345 SH   SOLE   0 0 734,345
Vanguard Shrt Inf Prot ETF 922020805   1,501,166 32,138 SH   SOLE   0 0 32,138
Vanguard Small Cap Value ETF 922908611   1,007,268 6,343 SH   SOLE   0 0 6,343
Vanguard Total Bond ETF 921937835   6,843,478 95,260 SH   SOLE   0 0 95,260
Vanguard Total Internatl ETF 92203J407   2,060,312 43,439 SH   SOLE   0 0 43,439
Vanguard Total Intl Etf ETF 921909768   666,774 12,892 SH   SOLE   0 0 12,892
Vanguard Total Stock Mkt ETF 922908769   81,400,934 425,759 SH   SOLE   0 0 425,759
Vanguard Value ETF 922908744   9,823,364 69,982 SH   SOLE   0 0 69,982
Verizon Communications COM 92343V104   315,111 7,998 SH   SOLE   0 0 7,998
Visa Inc Cl A COM 92826C839   671,433 3,232 SH   SOLE   0 0 3,232
Yum China Holdings I COM 98850P109   114,765 2,100 SH   SOLE   0 0 2,100
Yum! Brands Inc COM 988498101   428,300 3,344 SH   SOLE   0 0 3,344
Zoetis Inc COM 98978V103   244,176 1,666 SH   SOLE   0 0 1,666