Diversified Portfolios 13F-HR Quarterly holdings report by institutional manager

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

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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
Berkshire Hathaway Inc Del	COM	084670108	1,219	3	SH		SOLE		0	0	3
Abbott Laboratories	COM	002824100	786	8,123	SH		SOLE		0	0	8,123
Abbvie Inc	COM	00287Y109	1,251	9,318	SH		SOLE		0	0	9,318
Accenture Plc Cl A	COM	G1151C101	596	2,315	SH		SOLE		0	0	2,315
Amazon Com Inc	COM	023135106	687	6,080	SH		SOLE		0	0	6,080
Apple Computer Inc	COM	037833100	6,390	46,240	SH		SOLE		0	0	46,240
Arrow Financial Corp	COM	042744102	350	12,148	SH		SOLE		0	0	12,148
AVANTIS RESPONSBL INTRL EQTY ETF	COM	025072299	461	11,424	SH		SOLE		0	0	11,424
Avantis Emerging Markets EQ ETF	ETF	025072604	1,098	23,901	SH		SOLE		0	0	23,901
Avantis International Equity ETF	ETF	025072703	9,415	206,387	SH		SOLE		0	0	206,387
Avantis Real Estate ETF	ETF	025072356	361	9,247	SH		SOLE		0	0	9,247
Avantis Responsible US Equity ETF	ETF	025072281	1,020	24,010	SH		SOLE		0	0	24,010
AVANTIS US EQUITY ETF	ETF	025072885	453	7,269	SH		SOLE		0	0	7,269
Avantis US Small Cap Value ETF	ETF	025072877	524	7,925	SH		SOLE		0	0	7,925
Berkshire Hathaway B New	COM	084670702	524	1,964	SH		SOLE		0	0	1,964
BGI i Shares/TIPS	ETF	464287176	1,317	12,557	SH		SOLE		0	0	12,557
Blackstone Group Lp	ETF	09260D107	343	4,101	SH		SOLE		0	0	4,101
Bristol-Myers Squibb Co	COM	110122108	582	8,191	SH		SOLE		0	0	8,191
C S X Corp	COM	126408103	360	13,500	SH		SOLE		0	0	13,500
Coca Cola Company	COM	191216100	925	16,513	SH		SOLE		0	0	16,513
Comcast Corp New Cl A	COM	20030N101	234	7,980	SH		SOLE		0	0	7,980
Consolidated Edison Inc	COM	209115104	324	3,783	SH		SOLE		0	0	3,783
Costco Whsl Corp New	COM	22160K105	245	518	SH		SOLE		0	0	518
Crown Castle Intl Corp	COM	22822V101	318	2,200	SH		SOLE		0	0	2,200
Deere & Co	COM	244199105	273	818	SH		SOLE		0	0	818
DFA Core Emerging Mkt ETF	ETF	25434V302	5,250	261,345	SH		SOLE		0	0	261,345
DFA Int'l Core Equity ETF	ETF	25434V203	6,036	279,828	SH		SOLE		0	0	279,828
DFA Tax Managed Intl	ETF	25434V807	1,415	54,917	SH		SOLE		0	0	54,917
DFA Tax-Managed US Marketwide Value II	ETF	25434V724	7,472	252,332	SH		SOLE		0	0	252,332
DFA U.S. Equity ETF	ETF	25434V401	494	12,727	SH		SOLE		0	0	12,727
DFA U.S. Small Cap (TM)	ETF	25434V500	269	5,775	SH		SOLE		0	0	5,775
DFA U.S. Small Cap Value (TM)	ETF	25434V609	3,327	85,373	SH		SOLE		0	0	85,373
DFA US Core Equity ETF	ETF	25434V104	4,737	188,368	SH		SOLE		0	0	188,368
Dimensional National Munpl Bond ETF	ETF	25434V849	2,419	51,853	SH		SOLE		0	0	51,853
Dimensional US Small Cap Value ETF	ETF	25434V815	333	15,271	SH		SOLE		0	0	15,271
Direxion Daily 20 - Yr Trsy Bear 3X ETF	ETF	25460G849	214	1,600	SH		SOLE		0	0	1,600
DTE Energy Company	COM	233331107	422	3,664	SH		SOLE		0	0	3,664
Duke Energy Corporation	COM	26441C204	317	3,403	SH		SOLE		0	0	3,403
Enbridge Inc	COM	29250N105	415	11,193	SH		SOLE		0	0	11,193
Exxon Mobil Corporation	COM	30231G102	1,325	15,176	SH		SOLE		0	0	15,176
First Merchants Corp	COM	320817109	1,269	32,805	SH		SOLE		0	0	32,805
Google Inc. Class A	COM	02079K305	365	3,820	SH		SOLE		0	0	3,820
Intuit Inc	COM	461202103	269	694	SH		SOLE		0	0	694
Invesco QQQ Trust	ETF	46090E103	903	3,377	SH		SOLE		0	0	3,377
iShares Aggregate Bond Fd	ETF	464287226	2,761	28,657	SH		SOLE		0	0	28,657
iShares C&S Real Estate	ETF	464287564	349	6,507	SH		SOLE		0	0	6,507
Ishares Core Msci	ETF	46434G103	384	8,928	SH		SOLE		0	0	8,928
iShares Core S&P Total US Stock Mkt ETF	ETF	464287150	624	7,842	SH		SOLE		0	0	7,842
Ishares Esg 1 5 Yr Usd	ETF	46435G243	303	12,895	SH		SOLE		0	0	12,895
Ishares Esg U.S. Agg Bond	ETF	46435U549	414	8,907	SH		SOLE		0	0	8,907
iShares Global REIT ETF	ETF	46434V647	2,220	104,367	SH		SOLE		0	0	104,367
iShares Gold	ETF	464285204	232	7,373	SH		SOLE		0	0	7,373
iShares MSCI Emrg Mkt	ETF	464287234	715	20,506	SH		SOLE		0	0	20,506
iShares MSCI/EAFE Index	ETF	464287465	772	13,776	SH		SOLE		0	0	13,776
Ishares Nationl Muni Bond	ETF	464288414	508	4,948	SH		SOLE		0	0	4,948
iShares Russell 1000	ETF	464287622	775	3,927	SH		SOLE		0	0	3,927
iShares S&P 500 Growth	ETF	464287309	2,173	37,555	SH		SOLE		0	0	37,555
iShares S&P 500 Index	ETF	464287200	2,026	5,650	SH		SOLE		0	0	5,650
iShares S&P 500 Value	ETF	464287408	969	7,541	SH		SOLE		0	0	7,541
iShares Short-Term National Muni Bond	ETF	464288158	5,007	48,774	SH		SOLE		0	0	48,774
iShares Tr Barclays Bond	ETF	464287457	849	10,450	SH		SOLE		0	0	10,450
ISHARES TRUST INTRM TR CRP ETF	ETF	464288638	1,651	34,200	SH		SOLE		0	0	34,200
iShares Ultra Short-Term Bond ETF	ETF	46434V878	8,906	178,086	SH		SOLE		0	0	178,086
Johnson & Johnson	COM	478160104	1,281	7,843	SH		SOLE		0	0	7,843
Lilly Eli & Company	COM	532457108	855	2,643	SH		SOLE		0	0	2,643
Mastercard Inc	COM	57636Q104	395	1,390	SH		SOLE		0	0	1,390
Mc Donalds Corp	COM	580135101	859	3,723	SH		SOLE		0	0	3,723
Merck & Co	COM	58933Y105	240	2,782	SH		SOLE		0	0	2,782
Microsoft Corp	COM	594918104	1,216	5,220	SH		SOLE		0	0	5,220
Mid Cap S P D R TRUST	ETF	78467Y107	4,127	10,275	SH		SOLE		0	0	10,275
Nike Inc Class B	COM	654106103	340	4,088	SH		SOLE		0	0	4,088
Northrop Grumman Corp	COM	666807102	857	1,823	SH		SOLE		0	0	1,823
Novo-Nordisk A-S	COM	670100205	996	10,000	SH		SOLE		0	0	10,000
Pepsico Incorporated	COM	713448108	1,999	12,242	SH		SOLE		0	0	12,242
Pfizer Incorporated	COM	717081103	583	13,333	SH		SOLE		0	0	13,333
Procter & Gamble Co	COM	742718109	629	4,980	SH		SOLE		0	0	4,980
Qualcomm Inc	COM	747525103	304	2,687	SH		SOLE		0	0	2,687
Raytheon Technologies Ord	COM	75513E101	254	3,097	SH		SOLE		0	0	3,097
Russell 1000/ Lrg. Growth	ETF	464287614	2,046	9,723	SH		SOLE		0	0	9,723
Russell 1000/ Lrg. Value	ETF	464287598	3,326	24,456	SH		SOLE		0	0	24,456
Russell 2000/ Small Value	ETF	464287630	492	3,816	SH		SOLE		0	0	3,816
Russell 2000/Small Blend	ETF	464287655	6,396	38,781	SH		SOLE		0	0	38,781
Russell 3000	ETF	464287689	11,646	56,249	SH		SOLE		0	0	56,249
Sch US Tips Etf	ETF	808524870	948	18,309	SH		SOLE		0	0	18,309
Schw Emg Mkt Eq Etf	ETF	808524706	438	19,562	SH		SOLE		0	0	19,562
Schw Intl Eq Etf	ETF	808524805	524	18,624	SH		SOLE		0	0	18,624
Schw US Brd Mkt Etf	ETF	808524102	3,034	72,256	SH		SOLE		0	0	72,256
Schw US Scap Etf	ETF	808524607	236	6,232	SH		SOLE		0	0	6,232
SCHWAB STRATEGIC TR INTRM TRM TRES ETF	ETF	808524854	505	10,271	SH		SOLE		0	0	10,271
SCHWAB STRATEGIC TR SHT TM US TRES ETF	ETF	808524862	3,468	71,860	SH		SOLE		0	0	71,860
Schwab US Large Cap	ETF	808524409	474	8,105	SH		SOLE		0	0	8,105
Schwab US Large Cap Etf	ETF	808524201	148	3,492	SH		SOLE		0	0	3,492
Sempra Energy	ETF	816851109	413	2,755	SH		SOLE		0	0	2,755
SPDR Dow Jones Industrial Average ETF	ETF	78467X109	247	859	SH		SOLE		0	0	859
SPDR Trust (S&P 500)	ETF	78462F103	14,328	40,115	SH		SOLE		0	0	40,115
Tesla Motors Inc	ETF	88160R101	1,036	3,906	SH		SOLE		0	0	3,906
The Southern Company	COM	842587107	1,673	24,603	SH		SOLE		0	0	24,603
The Trade Desk Inc	COM	88339J105	320	5,360	SH		SOLE		0	0	5,360
Thermo Electron Corp	COM	883556102	407	802	SH		SOLE		0	0	802
TMC THE METALS COMPANY ORD	COM	87261Y106	42	40,000	SH		SOLE		0	0	40,000
Vanguard Div Apprciation	ETF	921908844	211	1,561	SH		SOLE		0	0	1,561
Vanguard Emerging Market	ETF	922042858	559	15,324	SH		SOLE		0	0	15,324
Vanguard ESG Int'l ETF	ETF	921910725	5,039	116,005	SH		SOLE		0	0	116,005
Vanguard ESG U.S. Stock ETF	ETF	921910733	10,029	159,422	SH		SOLE		0	0	159,422
Vanguard Growth	ETF	922908736	6,342	29,644	SH		SOLE		0	0	29,644
Vanguard High Dividend ETF	ETF	921946406	206	2,171	SH		SOLE		0	0	2,171
Vanguard Info Technology	ETF	92204A702	314	1,020	SH		SOLE		0	0	1,020
Vanguard Interm Bond Index ETF	ETF	921937819	24,563	334,277	SH		SOLE		0	0	334,277
Vanguard Intermediate	ETF	92206C870	245	3,244	SH		SOLE		0	0	3,244
Vanguard Large Cap Etf	ETF	922908637	274	1,674	SH		SOLE		0	0	1,674
Vanguard Mid Cap	ETF	922908629	258	1,374	SH		SOLE		0	0	1,374
Vanguard Msci Eafe Etf	ETF	921943858	273	7,499	SH		SOLE		0	0	7,499
Vanguard Reit	ETF	922908553	3,296	41,112	SH		SOLE		0	0	41,112
Vanguard Russell 1000	ETF	92206C714	1,003	16,809	SH		SOLE		0	0	16,809
Vanguard Russell 1000 Growth ETF	ETF	92206C680	433	7,985	SH		SOLE		0	0	7,985
Vanguard Russell 3000 ETF	ETF	92206C599	3,135	19,459	SH		SOLE		0	0	19,459
Vanguard S&P 500 Etf	ETF	922908363	540	1,645	SH		SOLE		0	0	1,645
Vanguard Short Term Corp Bond	ETF	92206C409	954	12,849	SH		SOLE		0	0	12,849
Vanguard Shrt Inf Prot	ETF	922020805	2,000	41,575	SH		SOLE		0	0	41,575
Vanguard Small Cap Value	ETF	922908611	719	5,014	SH		SOLE		0	0	5,014
Vanguard ST Bond Idx ETF	ETF	921937827	54,470	728,012	SH		SOLE		0	0	728,012
Vanguard Total Bond	ETF	921937835	6,106	85,605	SH		SOLE		0	0	85,605
Vanguard Total Internatl	ETF	92203J407	1,065	22,309	SH		SOLE		0	0	22,309
Vanguard Total Intl Etf	ETF	921909768	804	17,570	SH		SOLE		0	0	17,570
Vanguard Total Stock Mkt	ETF	922908769	72,300	402,851	SH		SOLE		0	0	402,851
Vanguard Value	ETF	922908744	8,288	67,119	SH		SOLE		0	0	67,119
Verizon Communications	COM	92343V104	482	12,690	SH		SOLE		0	0	12,690
Visa Inc Cl A	COM	92826C839	574	3,232	SH		SOLE		0	0	3,232
Weyerhaeuser Co	COM	962166104	259	9,057	SH		SOLE		0	0	9,057
Yum China Holdings I	COM	98850P109	172	3,628	SH		SOLE		0	0	3,628
Yum! Brands Inc	COM	988498101	398	3,744	SH		SOLE		0	0	3,744
Zoetis Inc	COM	98978V103	247	1,666	SH		SOLE		0	0	1,666