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
1/100 Berkshire Htwy Cla COM 084670108   1,396,800 3 SH   SOLE   0 0 3
Abbott Laboratories COM 002824100   403,319 3,983 SH   SOLE   0 0 3,983
Abbvie Inc COM 00287Y109   1,464,292 9,188 SH   SOLE   0 0 9,188
Accenture Plc Cl A COM G1151C101   652,790 2,284 SH   SOLE   0 0 2,284
Amazon Com Inc COM 023135106   865,570 8,380 SH   SOLE   0 0 8,380
Apple Computer Inc COM 037833100   7,469,212 45,295 SH   SOLE   0 0 45,295
AquaBounty Technologies Inc COM 03842K200   6,424 10,800 SH   SOLE   0 0 10,800
Avantis Emerging Markets EQ ETF ETF 025072604   2,155,426 40,753 SH   SOLE   0 0 40,753
Avantis International Equity ETF ETF 025072703   16,458,858 288,600 SH   SOLE   0 0 288,600
Avantis Real Estate ETF ETF 025072356   282,716 6,819 SH   SOLE   0 0 6,819
Avantis Responsible International Equity ETF COM 025072299   577,656 11,424 SH   SOLE   0 0 11,424
Avantis Responsible US Equity ETF ETF 025072281   1,159,683 24,010 SH   SOLE   0 0 24,010
Avantis U.S. Equity ETF ETF 025072885   490,206 6,916 SH   SOLE   0 0 6,916
Avantis US Small Cap Value ETF ETF 025072877   731,935 9,883 SH   SOLE   0 0 9,883
Berkshire Hathaway B New COM 084670702   421,162 1,364 SH   SOLE   0 0 1,364
BGI i Shares/TIPS ETF 464287176   515,419 4,675 SH   SOLE   0 0 4,675
Blackstone Group Lp ETF 09260D107   360,204 4,101 SH   SOLE   0 0 4,101
Bristol-Myers Squibb Co COM 110122108   208,277 3,005 SH   SOLE   0 0 3,005
Costco Whsl Corp New COM 22160K105   218,126 439 SH   SOLE   0 0 439
Crown Castle Intl Corp COM 22822V101   294,448 2,200 SH   SOLE   0 0 2,200
Deere & Co COM 244199105   337,736 818 SH   SOLE   0 0 818
DFA Core Emerging Mkt ETF ETF 25434V302   14,939,583 648,983 SH   SOLE   0 0 648,983
DFA Int'l Core Equity ETF ETF 25434V203   7,432,352 275,783 SH   SOLE   0 0 275,783
DFA Tax Managed Intl ETF 25434V807   1,797,564 55,773 SH   SOLE   0 0 55,773
DFA Tax-Managed US Marketwide Value II ETF 25434V724   10,201,256 304,697 SH   SOLE   0 0 304,697
DFA U.S. Equity ETF ETF 25434V401   557,063 12,538 SH   SOLE   0 0 12,538
DFA U.S. Small Cap (TM) ETF 25434V500   323,262 6,134 SH   SOLE   0 0 6,134
DFA U.S. Small Cap Value (TM) ETF 25434V609   3,612,065 81,170 SH   SOLE   0 0 81,170
DFA US Core Equity ETF ETF 25434V104   5,635,065 195,866 SH   SOLE   0 0 195,866
Dimensional National Munpl Bond ETF ETF 25434V849   452,905 9,374 SH   SOLE   0 0 9,374
Dimensional US Small Cap Value ETF ETF 25434V815   1,461,521 58,625 SH   SOLE   0 0 58,625
DTE Energy Company COM 233331107   381,901 3,486 SH   SOLE   0 0 3,486
Enbridge Inc COM 29250N105   242,901 6,367 SH   SOLE   0 0 6,367
Exxon Mobil Corporation COM 30231G102   1,290,064 11,764 SH   SOLE   0 0 11,764
First Merchants Corp COM 320817109   1,080,925 32,805 SH   SOLE   0 0 32,805
Goldman Sachs Group Inc COM 38141G104   302,904 926 SH   SOLE   0 0 926
Google Inc. Class A COM 02079K305   503,402 4,853 SH   SOLE   0 0 4,853
Home Depot Inc COM 437076102   228,476 774 SH   SOLE   0 0 774
Intuit Inc COM 461202103   240,666 540 SH   SOLE   0 0 540
Invesco QQQ Trust ETF 46090E103   1,428,615 4,451 SH   SOLE   0 0 4,451
iShares 1-3 Year Treasury Bond ETF ETF 464287457   739,897 9,006 SH   SOLE   0 0 9,006
iShares Aggregate Bond Fd ETF 464287226   3,523,386 35,361 SH   SOLE   0 0 35,361
iShares C&S Real Estate ETF 464287564   418,050 7,527 SH   SOLE   0 0 7,527
iShares Core 1-5 Year USD Bond ETF ETF 46432F859   313,911 6,657 SH   SOLE   0 0 6,657
iShares Core MSCI Emerging Markets ETF ETF 46434G103   1,075,771 22,049 SH   SOLE   0 0 22,049
iShares Core S&P 500 ETF ETF 464287200   13,028,856 31,694 SH   SOLE   0 0 31,694
iShares Core S&P Mid-Cap ETF ETF 464287507   1,699,837 6,795 SH   SOLE   0 0 6,795
iShares Core S&P Small-Cap ETF ETF 464287804   1,564,785 16,182 SH   SOLE   0 0 16,182
iShares Core S&P Total US Stock Mkt ETF ETF 464287150   607,455 6,709 SH   SOLE   0 0 6,709
iShares Core Total USD Bond Market ETF ETF 46434V613   1,468,493 31,820 SH   SOLE   0 0 31,820
iShares ESG 1-5 Year USD Corporate Bond ETF ETF 46435G243   310,254 12,895 SH   SOLE   0 0 12,895
iShares ESG U.S. Aggregate Bond ETF ETF 46435U549   742,767 15,455 SH   SOLE   0 0 15,455
iShares Global REIT ETF ETF 46434V647   7,999,199 348,853 SH   SOLE   0 0 348,853
Ishares High Yield ETF 46434V407   406,380 9,750 SH   SOLE   0 0 9,750
iShares MSCI EAFE ETF ETF 464287465   1,234,311 17,258 SH   SOLE   0 0 17,258
iShares MSCI Emerging Markets ETF ETF 464287234   379,645 9,621 SH   SOLE   0 0 9,621
iShares National Muni Bond ETF ETF 464288414   1,329,619 12,341 SH   SOLE   0 0 12,341
iShares Russell 1000 ETF ETF 464287622   859,841 3,818 SH   SOLE   0 0 3,818
iShares Russell Mid-Cap ETF ETF 464287499   410,430 5,870 SH   SOLE   0 0 5,870
iShares S&P 500 Growth ETF ETF 464287309   2,412,909 37,767 SH   SOLE   0 0 37,767
iShares S&P 500 Value ETF ETF 464287408   1,160,812 7,649 SH   SOLE   0 0 7,649
iShares Short-Term National Muni Bond ETF ETF 464288158   2,395,392 22,883 SH   SOLE   0 0 22,883
iShares Ultra Short-Term Bond ETF ETF 46434V878   7,450,674 148,272 SH   SOLE   0 0 148,272
Johnson & Johnson COM 478160104   508,162 3,278 SH   SOLE   0 0 3,278
JPMorgan Chase & Co. COM 46625H100   508,730 3,904 SH   SOLE   0 0 3,904
Lilly Eli & Company COM 532457108   907,659 2,643 SH   SOLE   0 0 2,643
Mastercard Inc COM 57636Q104   417,922 1,150 SH   SOLE   0 0 1,150
Mc Donalds Corp COM 580135101   1,056,287 3,778 SH   SOLE   0 0 3,778
Microsoft Corp COM 594918104   1,802,941 6,254 SH   SOLE   0 0 6,254
Mid Cap S P D R TRUST ETF 78467Y107   5,200,362 11,344 SH   SOLE   0 0 11,344
Nike Inc Class B COM 654106103   470,455 3,836 SH   SOLE   0 0 3,836
Northrop Grumman Corp COM 666807102   841,716 1,823 SH   SOLE   0 0 1,823
Novo-Nordisk A-S COM 670100205   1,591,400 10,000 SH   SOLE   0 0 10,000
Nvidia Corp COM 67066G104   255,548 920 SH   SOLE   0 0 920
Pepsico Incorporated COM 713448108   206,181 1,131 SH   SOLE   0 0 1,131
Pfizer Incorporated COM 717081103   544,500 13,346 SH   SOLE   0 0 13,346
Powershare Ftse Rafi US ETF 46137V613   982,227 6,265 SH   SOLE   0 0 6,265
Procter & Gamble Co COM 742718109   438,041 2,946 SH   SOLE   0 0 2,946
ProShares UltraPro Short S&P500 ETF 74347B110   202,200 15,000 SH   SOLE   0 0 15,000
Russell 1000/ Lrg. Growth ETF 464287614   2,787,035 11,407 SH   SOLE   0 0 11,407
Russell 1000/ Lrg. Value ETF 464287598   3,731,149 24,505 SH   SOLE   0 0 24,505
Russell 2000/ Small Growth ETF 464287648   354,746 1,564 SH   SOLE   0 0 1,564
Russell 2000/ Small Value ETF 464287630   532,010 3,883 SH   SOLE   0 0 3,883
Russell 2000/Small Blend ETF 464287655   6,962,229 39,026 SH   SOLE   0 0 39,026
Russell 3000 ETF 464287689   12,895,195 54,778 SH   SOLE   0 0 54,778
Sch US Tips Etf ETF 808524870   555,882 10,369 SH   SOLE   0 0 10,369
Schw Emg Mkt Eq Etf ETF 808524706   224,645 9,162 SH   SOLE   0 0 9,162
Schw Intl Eq Etf ETF 808524805   437,637 12,576 SH   SOLE   0 0 12,576
Schw US Brd Mkt Etf ETF 808524102   3,473,958 72,601 SH   SOLE   0 0 72,601
Schwab Intermediate-Term U.S. Treasury ETF ETF 808524854   754,988 14,971 SH   SOLE   0 0 14,971
Schwab Short-Term U.S. Treasury ETF ETF 808524862   2,707,796 55,499 SH   SOLE   0 0 55,499
Schwab US Large Cap ETF 808524409   891,047 13,587 SH   SOLE   0 0 13,587
Sempra Energy ETF 816851109   416,446 2,755 SH   SOLE   0 0 2,755
SPDR Dow Jones Industrial Average ETF ETF 78467X109   271,085 815 SH   SOLE   0 0 815
SPDR Trust (S&P 500) ETF 78462F103   15,735,332 38,436 SH   SOLE   0 0 38,436
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF ETF 78468R663   1,936,721 21,093 SH   SOLE   0 0 21,093
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   833,090 20,459 SH   SOLE   0 0 20,459
The Trade Desk Inc COM 88339J105   326,478 5,360 SH   SOLE   0 0 5,360
Thermo Electron Corp COM 883556102   462,249 802 SH   SOLE   0 0 802
TMC the Metals Company Inc. COM 87261Y106   49,734 60,000 SH   SOLE   0 0 60,000
Vanguard Div Apprciation ETF 921908844   279,374 1,814 SH   SOLE   0 0 1,814
Vanguard Emerging Market ETF 922042858   1,033,456 25,581 SH   SOLE   0 0 25,581
Vanguard ESG Int'l ETF ETF 921910725   5,650,901 107,924 SH   SOLE   0 0 107,924
Vanguard ESG U.S. Stock ETF ETF 921910733   11,904,792 166,013 SH   SOLE   0 0 166,013
Vanguard Growth ETF 922908736   4,781,164 19,168 SH   SOLE   0 0 19,168
Vanguard High Dividend ETF ETF 921946406   2,275,530 21,569 SH   SOLE   0 0 21,569
Vanguard Info Technology ETF 92204A702   316,085 820 SH   SOLE   0 0 820
Vanguard Interm Bond Index ETF ETF 921937819   19,700,844 256,722 SH   SOLE   0 0 256,722
Vanguard Intermediate ETF 92206C870   354,351 4,417 SH   SOLE   0 0 4,417
Vanguard Mid Cap ETF 922908629   542,600 2,573 SH   SOLE   0 0 2,573
Vanguard Msci Eafe Etf ETF 921943858   1,697,940 37,590 SH   SOLE   0 0 37,590
Vanguard Reit ETF 922908553   3,412,214 41,091 SH   SOLE   0 0 41,091
Vanguard Russell 1000 ETF 92206C714   1,123,009 16,809 SH   SOLE   0 0 16,809
Vanguard Russell 1000 Growth ETF ETF 92206C680   2,349,256 37,355 SH   SOLE   0 0 37,355
Vanguard Russell 3000 ETF ETF 92206C599   9,636,448 52,572 SH   SOLE   0 0 52,572
Vanguard S&P 500 Etf ETF 922908363   607,063 1,614 SH   SOLE   0 0 1,614
Vanguard S&P 500 Growth ETF ETF 921932505   2,222,980 9,645 SH   SOLE   0 0 9,645
Vanguard Short Term ETF 92206C102   1,357,718 23,193 SH   SOLE   0 0 23,193
Vanguard Short Term Corp Bond ETF 92206C409   4,069,801 53,388 SH   SOLE   0 0 53,388
Vanguard Short-Term Bond Index Fund ETF 921937827   58,872,239 769,672 SH   SOLE   0 0 769,672
Vanguard Shrt Inf Prot ETF 922020805   244,121 5,105 SH   SOLE   0 0 5,105
Vanguard Small Cap ETF 922908751   684,087 3,609 SH   SOLE   0 0 3,609
Vanguard Small Cap Value ETF 922908611   1,120,762 7,059 SH   SOLE   0 0 7,059
Vanguard Total Bond ETF 921937835   7,425,821 100,580 SH   SOLE   0 0 100,580
Vanguard Total Internatl ETF 92203J407   1,413,519 28,895 SH   SOLE   0 0 28,895
Vanguard Total Intl Etf ETF 921909768   730,042 13,223 SH   SOLE   0 0 13,223
Vanguard Total Stock Mkt ETF 922908769   82,507,379 404,250 SH   SOLE   0 0 404,250
Vanguard Value ETF 922908744   9,506,257 68,831 SH   SOLE   0 0 68,831
Verizon Communications COM 92343V104   253,009 6,506 SH   SOLE   0 0 6,506
Visa Inc Cl A COM 92826C839   682,554 3,027 SH   SOLE   0 0 3,027
Zoetis Inc COM 98978V103   263,335 1,582 SH   SOLE   0 0 1,582