The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||||||
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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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 |
Abbott Laboratories | COM | 002824100 | 1,055 | 9,714 | SH | SOLE | 0 | 0 | 9,714 | ||
Abbvie Inc | COM | 00287Y109 | 1,671 | 10,909 | SH | SOLE | 0 | 0 | 10,909 | ||
Accenture Plc Cl A | COM | G1151C101 | 226 | 815 | SH | SOLE | 0 | 0 | 815 | ||
Amazon Com Inc | COM | 023135106 | 438 | 4,120 | SH | SOLE | 0 | 0 | 4,120 | ||
Anthem Inc | COM | 036752103 | 210 | 436 | SH | SOLE | 0 | 0 | 436 | ||
Apple Computer Inc | COM | 037833100 | 2,837 | 20,752 | SH | SOLE | 0 | 0 | 20,752 | ||
Arrow Financial Corp | COM | 042744102 | 375 | 11,774 | SH | SOLE | 0 | 0 | 11,774 | ||
Avantis Emerging Markets EQ ETF | ETF | 025072604 | 514 | 9,886 | SH | SOLE | 0 | 0 | 9,886 | ||
Avantis International Equity ETF | ETF | 025072703 | 1,634 | 32,063 | SH | SOLE | 0 | 0 | 32,063 | ||
Avantis Real Estate ETF | ETF | 025072356 | 219 | 4,938 | SH | SOLE | 0 | 0 | 4,938 | ||
AVANTIS US EQUITY ETF | ETF | 025072885 | 526 | 8,083 | SH | SOLE | 0 | 0 | 8,083 | ||
Avantis US Small Cap Value ETF | ETF | 025072877 | 389 | 5,696 | SH | SOLE | 0 | 0 | 5,696 | ||
Berkshire Hathaway B New | COM | 084670702 | 411 | 1,504 | SH | SOLE | 0 | 0 | 1,504 | ||
BGI i Shares/TIPS | ETF | 464287176 | 1,543 | 13,548 | SH | SOLE | 0 | 0 | 13,548 | ||
Bristol-Myers Squibb Co | COM | 110122108 | 680 | 8,831 | SH | SOLE | 0 | 0 | 8,831 | ||
C S X Corp | COM | 126408103 | 418 | 14,400 | SH | SOLE | 0 | 0 | 14,400 | ||
Coca Cola Company | COM | 191216100 | 1,018 | 16,177 | SH | SOLE | 0 | 0 | 16,177 | ||
Comcast Corp New Cl A | COM | 20030N101 | 322 | 8,210 | SH | SOLE | 0 | 0 | 8,210 | ||
Consolidated Edison Inc | COM | 209115104 | 416 | 4,378 | SH | SOLE | 0 | 0 | 4,378 | ||
Deere & Co | COM | 244199105 | 245 | 818 | SH | SOLE | 0 | 0 | 818 | ||
DFA Core Emerging Mkt ETF | ETF | 25434V302 | 2,552 | 110,202 | SH | SOLE | 0 | 0 | 110,202 | ||
DFA Int'l Core Equity ETF | ETF | 25434V203 | 6,675 | 276,499 | SH | SOLE | 0 | 0 | 276,499 | ||
DFA Tax Managed Intl | ETF | 25434V807 | 1,708 | 59,137 | SH | SOLE | 0 | 0 | 59,137 | ||
DFA Tax-Managed US Marketwide Value II | ETF | 25434V724 | 8,404 | 265,947 | SH | SOLE | 0 | 0 | 265,947 | ||
DFA U.S. Equity ETF | ETF | 25434V401 | 517 | 12,690 | SH | SOLE | 0 | 0 | 12,690 | ||
DFA U.S. Small Cap (TM) | ETF | 25434V500 | 281 | 5,852 | SH | SOLE | 0 | 0 | 5,852 | ||
DFA U.S. Small Cap Value (TM) | ETF | 25434V609 | 3,533 | 87,849 | SH | SOLE | 0 | 0 | 87,849 | ||
DFA US Core Equity ETF | ETF | 25434V104 | 5,068 | 191,766 | SH | SOLE | 0 | 0 | 191,766 | ||
Dimensional National Munpl Bond ETF | ETF | 25434V849 | 4,165 | 86,654 | SH | SOLE | 0 | 0 | 86,654 | ||
Dimensional US Small Cap Value ETF | ETF | 25434V815 | 249 | 11,057 | SH | SOLE | 0 | 0 | 11,057 | ||
DTE Energy Company | COM | 233331107 | 269 | 2,124 | SH | SOLE | 0 | 0 | 2,124 | ||
Duke Energy Corporation | COM | 26441C204 | 343 | 3,196 | SH | SOLE | 0 | 0 | 3,196 | ||
Enbridge Inc | COM | 29250N105 | 469 | 11,092 | SH | SOLE | 0 | 0 | 11,092 | ||
Exxon Mobil Corporation | COM | 30231G102 | 1,284 | 14,994 | SH | SOLE | 0 | 0 | 14,994 | ||
Intuit Inc | COM | 461202103 | 229 | 595 | SH | SOLE | 0 | 0 | 595 | ||
Invesco QQQ Trust | ETF | 46090E103 | 747 | 2,666 | SH | SOLE | 0 | 0 | 2,666 | ||
iShares Aggregate Bond Fd | ETF | 464287226 | 2,163 | 21,276 | SH | SOLE | 0 | 0 | 21,276 | ||
iShares C&S Real Estate | ETF | 464287564 | 395 | 6,507 | SH | SOLE | 0 | 0 | 6,507 | ||
Ishares Core Msci | ETF | 46434G103 | 498 | 10,153 | SH | SOLE | 0 | 0 | 10,153 | ||
iShares Core S&P Total US Stock Mkt ETF | ETF | 464287150 | 634 | 7,569 | SH | SOLE | 0 | 0 | 7,569 | ||
iShares Global REIT ETF | ETF | 46434V647 | 412 | 17,026 | SH | SOLE | 0 | 0 | 17,026 | ||
iShares Gold | ETF | 464285204 | 234 | 6,830 | SH | SOLE | 0 | 0 | 6,830 | ||
iShares MSCI Emrg Mkt | ETF | 464287234 | 1,398 | 34,875 | SH | SOLE | 0 | 0 | 34,875 | ||
iShares MSCI/EAFE Index | ETF | 464287465 | 892 | 14,270 | SH | SOLE | 0 | 0 | 14,270 | ||
Ishares Nationl Muni Bond | ETF | 464288414 | 692 | 6,502 | SH | SOLE | 0 | 0 | 6,502 | ||
iShares Russell 1000 | ETF | 464287622 | 834 | 4,015 | SH | SOLE | 0 | 0 | 4,015 | ||
iShares S&P 500 Growth | ETF | 464287309 | 2,305 | 38,197 | SH | SOLE | 0 | 0 | 38,197 | ||
iShares S&P 500 Index | ETF | 464287200 | 3,453 | 9,106 | SH | SOLE | 0 | 0 | 9,106 | ||
iShares S&P 500 Value | ETF | 464287408 | 1,040 | 7,569 | SH | SOLE | 0 | 0 | 7,569 | ||
iShares Short-Term National Muni Bond | ETF | 464288158 | 4,724 | 45,130 | SH | SOLE | 0 | 0 | 45,130 | ||
iShares Tr Barclays Bond | ETF | 464287457 | 937 | 11,316 | SH | SOLE | 0 | 0 | 11,316 | ||
iShares Tr S&P Smallcap | ETF | 464287804 | 254 | 2,754 | SH | SOLE | 0 | 0 | 2,754 | ||
iShares Ultra Short-Term Bond ETF | ETF | 46434V878 | 1,810 | 36,174 | SH | SOLE | 0 | 0 | 36,174 | ||
Johnson & Johnson | COM | 478160104 | 1,637 | 9,222 | SH | SOLE | 0 | 0 | 9,222 | ||
Lilly Eli & Company | COM | 532457108 | 713 | 2,198 | SH | SOLE | 0 | 0 | 2,198 | ||
Mastercard Inc | COM | 57636Q104 | 439 | 1,390 | SH | SOLE | 0 | 0 | 1,390 | ||
Mc Donalds Corp | COM | 580135101 | 561 | 2,274 | SH | SOLE | 0 | 0 | 2,274 | ||
Merck & Co | COM | 58933Y105 | 223 | 2,448 | SH | SOLE | 0 | 0 | 2,448 | ||
Meta Platforms Inc Class A | COM | 30303M102 | 225 | 1,394 | SH | SOLE | 0 | 0 | 1,394 | ||
Microsoft Corp | COM | 594918104 | 599 | 2,330 | SH | SOLE | 0 | 0 | 2,330 | ||
Mid Cap S P D R TRUST | ETF | 78467Y107 | 4,317 | 10,441 | SH | SOLE | 0 | 0 | 10,441 | ||
Nike Inc Class B | COM | 654106103 | 409 | 4,006 | SH | SOLE | 0 | 0 | 4,006 | ||
Northrop Grumman Corp | COM | 666807102 | 872 | 1,823 | SH | SOLE | 0 | 0 | 1,823 | ||
Pepsico Incorporated | COM | 713448108 | 2,195 | 13,172 | SH | SOLE | 0 | 0 | 13,172 | ||
Pfizer Incorporated | COM | 717081103 | 351 | 6,703 | SH | SOLE | 0 | 0 | 6,703 | ||
Procter & Gamble Co | COM | 742718109 | 619 | 4,304 | SH | SOLE | 0 | 0 | 4,304 | ||
Qualcomm Inc | COM | 747525103 | 327 | 2,563 | SH | SOLE | 0 | 0 | 2,563 | ||
Raytheon Technologies Ord | COM | 75513E101 | 250 | 2,599 | SH | SOLE | 0 | 0 | 2,599 | ||
Russell 1000/ Lrg. Growth | ETF | 464287614 | 2,130 | 9,741 | SH | SOLE | 0 | 0 | 9,741 | ||
Russell 1000/ Lrg. Value | ETF | 464287598 | 3,565 | 24,594 | SH | SOLE | 0 | 0 | 24,594 | ||
Russell 2000/ Small Value | ETF | 464287630 | 520 | 3,816 | SH | SOLE | 0 | 0 | 3,816 | ||
Russell 2000/Small Blend | ETF | 464287655 | 6,497 | 38,360 | SH | SOLE | 0 | 0 | 38,360 | ||
Russell 3000 | ETF | 464287689 | 12,363 | 56,871 | SH | SOLE | 0 | 0 | 56,871 | ||
Sch US Tips Etf | ETF | 808524870 | 1,000 | 17,919 | SH | SOLE | 0 | 0 | 17,919 | ||
Schw Emg Mkt Eq Etf | ETF | 808524706 | 247 | 9,734 | SH | SOLE | 0 | 0 | 9,734 | ||
Schw US Brd Mkt Etf | ETF | 808524102 | 5,332 | 120,650 | SH | SOLE | 0 | 0 | 120,650 | ||
SCHWAB STRATEGIC TR INTRM TRM TRES ETF | ETF | 808524854 | 780 | 15,118 | SH | SOLE | 0 | 0 | 15,118 | ||
SCHWAB STRATEGIC TR SHT TM US TRES ETF | ETF | 808524862 | 1,967 | 39,985 | SH | SOLE | 0 | 0 | 39,985 | ||
Schwab US Large Cap | ETF | 808524409 | 394 | 6,311 | SH | SOLE | 0 | 0 | 6,311 | ||
SPDR Dow Jones Industrial Average ETF | ETF | 78467X109 | 264 | 859 | SH | SOLE | 0 | 0 | 859 | ||
SPDR Trust (S&P 500) | ETF | 78462F103 | 14,109 | 37,399 | SH | SOLE | 0 | 0 | 37,399 | ||
The Southern Company | COM | 842587107 | 1,878 | 26,330 | SH | SOLE | 0 | 0 | 26,330 | ||
Vanguard Div Apprciation | ETF | 921908844 | 224 | 1,561 | SH | SOLE | 0 | 0 | 1,561 | ||
Vanguard Emerging Market | ETF | 922042858 | 876 | 21,031 | SH | SOLE | 0 | 0 | 21,031 | ||
Vanguard ESG Int'l ETF | ETF | 921910725 | 4,732 | 96,491 | SH | SOLE | 0 | 0 | 96,491 | ||
Vanguard ESG U.S. Stock ETF | ETF | 921910733 | 10,507 | 158,232 | SH | SOLE | 0 | 0 | 158,232 | ||
Vanguard Growth | ETF | 922908736 | 6,542 | 29,350 | SH | SOLE | 0 | 0 | 29,350 | ||
Vanguard High Dividend ETF | ETF | 921946406 | 221 | 2,171 | SH | SOLE | 0 | 0 | 2,171 | ||
Vanguard Info Technology | ETF | 92204A702 | 415 | 1,270 | SH | SOLE | 0 | 0 | 1,270 | ||
Vanguard Interm Bond Index ETF | ETF | 921937819 | 25,484 | 328,188 | SH | SOLE | 0 | 0 | 328,188 | ||
Vanguard Large Cap Etf | ETF | 922908637 | 262 | 1,521 | SH | SOLE | 0 | 0 | 1,521 | ||
Vanguard Mid Cap | ETF | 922908629 | 283 | 1,438 | SH | SOLE | 0 | 0 | 1,438 | ||
Vanguard Mortgage Backed | ETF | 92206C771 | 272 | 5,679 | SH | SOLE | 0 | 0 | 5,679 | ||
Vanguard Reit | ETF | 922908553 | 3,633 | 39,877 | SH | SOLE | 0 | 0 | 39,877 | ||
Vanguard Russell 1000 | ETF | 92206C714 | 1,059 | 16,663 | SH | SOLE | 0 | 0 | 16,663 | ||
Vanguard Russell 1000 Growth ETF | ETF | 92206C680 | 449 | 7,985 | SH | SOLE | 0 | 0 | 7,985 | ||
Vanguard Russell 3000 ETF | ETF | 92206C599 | 5,663 | 33,510 | SH | SOLE | 0 | 0 | 33,510 | ||
Vanguard S&P 500 Etf | ETF | 922908363 | 567 | 1,635 | SH | SOLE | 0 | 0 | 1,635 | ||
Vanguard Short Term | ETF | 92206C102 | 902 | 15,327 | SH | SOLE | 0 | 0 | 15,327 | ||
Vanguard Short Term Corp Bond | ETF | 92206C409 | 205 | 2,686 | SH | SOLE | 0 | 0 | 2,686 | ||
Vanguard Shrt Inf Prot | ETF | 922020805 | 2,157 | 43,039 | SH | SOLE | 0 | 0 | 43,039 | ||
Vanguard Small Cap Value | ETF | 922908611 | 676 | 4,515 | SH | SOLE | 0 | 0 | 4,515 | ||
Vanguard ST Bond Idx ETF | ETF | 921937827 | 53,976 | 702,904 | SH | SOLE | 0 | 0 | 702,904 | ||
Vanguard Total Bond | ETF | 921937835 | 7,172 | 95,299 | SH | SOLE | 0 | 0 | 95,299 | ||
Vanguard Total Internatl | ETF | 92203J407 | 1,772 | 35,769 | SH | SOLE | 0 | 0 | 35,769 | ||
Vanguard Total Intl Etf | ETF | 921909768 | 1,166 | 22,591 | SH | SOLE | 0 | 0 | 22,591 | ||
Vanguard Total Stock Mkt | ETF | 922908769 | 74,381 | 394,341 | SH | SOLE | 0 | 0 | 394,341 | ||
Vanguard Value | ETF | 922908744 | 6,727 | 51,012 | SH | SOLE | 0 | 0 | 51,012 | ||
Verizon Communications | COM | 92343V104 | 452 | 8,899 | SH | SOLE | 0 | 0 | 8,899 | ||
Visa Inc Cl A | COM | 92826C839 | 350 | 1,778 | SH | SOLE | 0 | 0 | 1,778 | ||
Weyerhaeuser Co | COM | 962166104 | 446 | 13,464 | SH | SOLE | 0 | 0 | 13,464 | ||
Yum! Brands Inc | COM | 988498101 | 477 | 4,205 | SH | SOLE | 0 | 0 | 4,205 |