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	1,406,133	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