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 | 407,244 | 3,583 | SH | | SOLE | | 0 | 0 | 3,583 |
Abbvie Inc | COM | 00287Y109 | 1,515,254 | 8,321 | SH | | SOLE | | 0 | 0 | 8,321 |
Accenture Plc Cl A | COM | G1151C101 | 638,109 | 1,841 | SH | | SOLE | | 0 | 0 | 1,841 |
Amazon Com Inc | COM | 023135106 | 1,448,451 | 8,030 | SH | | SOLE | | 0 | 0 | 8,030 |
Apple Computer Inc | ETF | 037833100 | 4,370,935 | 25,489 | SH | | SOLE | | 0 | 0 | 25,489 |
Avantis Emerging Markets EQ ETF | COM | 025072604 | 12,960,091 | 223,604 | SH | | SOLE | | 0 | 0 | 223,604 |
Avantis International Equity ETF | COM | 025072703 | 28,386,609 | 445,350 | SH | | SOLE | | 0 | 0 | 445,350 |
Avantis Real Estate ETF | COM | 025072356 | 229,454 | 5,427 | SH | | SOLE | | 0 | 0 | 5,427 |
Avantis Responsible International Equity ETF | COM | 025072299 | 650,342 | 11,424 | SH | | SOLE | | 0 | 0 | 11,424 |
Avantis Responsible US Equity ETF | ETF | 025072281 | 1,474,848 | 24,010 | SH | | SOLE | | 0 | 0 | 24,010 |
Avantis U.S. Equity ETF | ETF | 025072885 | 519,548 | 5,805 | SH | | SOLE | | 0 | 0 | 5,805 |
Avantis US Small Cap Value ETF | ETF | 025072877 | 3,273,759 | 34,935 | SH | | SOLE | | 0 | 0 | 34,935 |
Berkshire Hathaway B New | COM | 084670702 | 619,846 | 1,474 | SH | | SOLE | | 0 | 0 | 1,474 |
Blackstone Group Lp | ETF | 09260D107 | 525,480 | 4,000 | SH | | SOLE | | 0 | 0 | 4,000 |
Carvana Co | COM | 146869102 | 307,070 | 3,493 | SH | | SOLE | | 0 | 0 | 3,493 |
Deere & Co | COM | 244199105 | 335,985 | 818 | SH | | SOLE | | 0 | 0 | 818 |
DFA Core Emerging Mkt ETF | ETF | 25434V302 | 16,557,008 | 669,782 | SH | | SOLE | | 0 | 0 | 669,782 |
DFA Int'l Core Equity ETF | ETF | 25434V203 | 10,029,746 | 331,891 | SH | | SOLE | | 0 | 0 | 331,891 |
DFA National Muni | ETF | 25434V849 | 382,893 | 7,962 | SH | | SOLE | | 0 | 0 | 7,962 |
DFA Tax Managed Intl | COM | 25434V807 | 2,025,660 | 55,120 | SH | | SOLE | | 0 | 0 | 55,120 |
DFA Tax-Managed US Marketwide Value II | ETF | 25434V724 | 12,508,406 | 305,829 | SH | | SOLE | | 0 | 0 | 305,829 |
DFA U.S. Equity ETF | ETF | 25434V401 | 703,874 | 12,353 | SH | | SOLE | | 0 | 0 | 12,353 |
DFA U.S. Small Cap (TM) | ETF | 25434V500 | 414,686 | 6,652 | SH | | SOLE | | 0 | 0 | 6,652 |
DFA U.S. Small Cap Value (TM) | ETF | 25434V609 | 4,146,586 | 76,182 | SH | | SOLE | | 0 | 0 | 76,182 |
DFA US Core Equity ETF | ETF | 25434V104 | 6,728,768 | 184,148 | SH | | SOLE | | 0 | 0 | 184,148 |
Dimensional Core Fixed Income ETF | ETF | 25434V872 | 645,946 | 15,398 | SH | | SOLE | | 0 | 0 | 15,398 |
Dimensional US Large Cap Value ETF | ETF | 25434V666 | 6,554,344 | 218,551 | SH | | SOLE | | 0 | 0 | 218,551 |
Dimensional US Real Estate ETF | ETF | 25434V823 | 601,194 | 26,875 | SH | | SOLE | | 0 | 0 | 26,875 |
Dimensional US Small Cap Value ETF | ETF | 25434V815 | 7,406,240 | 246,054 | SH | | SOLE | | 0 | 0 | 246,054 |
DTE Energy Company | COM | 233331107 | 256,016 | 2,283 | SH | | SOLE | | 0 | 0 | 2,283 |
Eaton Corporation | ETF | G29183103 | 250,457 | 801 | SH | | SOLE | | 0 | 0 | 801 |
Enbridge Inc | COM | 29250N105 | 214,149 | 5,919 | SH | | SOLE | | 0 | 0 | 5,919 |
Exxon Mobil Corporation | COM | 30231G102 | 919,706 | 7,912 | SH | | SOLE | | 0 | 0 | 7,912 |
Global Payments Inc | COM | 37940X102 | 209,312 | 1,566 | SH | | SOLE | | 0 | 0 | 1,566 |
Goldman Sachs Group Inc | COM | 38141G104 | 233,071 | 558 | SH | | SOLE | | 0 | 0 | 558 |
Google Inc. Class A | COM | 02079K305 | 612,625 | 4,059 | SH | | SOLE | | 0 | 0 | 4,059 |
Home Depot Inc | COM | 437076102 | 315,388 | 822 | SH | | SOLE | | 0 | 0 | 822 |
Intuit Inc | COM | 461202103 | 269,100 | 414 | SH | | SOLE | | 0 | 0 | 414 |
Invesco QQQ Trust | ETF | 46090E103 | 1,566,667 | 3,528 | SH | | SOLE | | 0 | 0 | 3,528 |
iShares 1-3 Year Treasury Bond ETF | ETF | 464287457 | 594,568 | 7,270 | SH | | SOLE | | 0 | 0 | 7,270 |
iShares 1-5 Year Investment Grade Corporate Bond ETF | ETF | 464288646 | 5,433,578 | 105,959 | SH | | SOLE | | 0 | 0 | 105,959 |
iShares 5-10 Year Investment Grade Corporate Bond ETF | ETF | 464288638 | 1,197,378 | 23,205 | SH | | SOLE | | 0 | 0 | 23,205 |
iShares Aggregate Bond Fd | COM | 464287226 | 911,322 | 9,305 | SH | | SOLE | | 0 | 0 | 9,305 |
iShares Broad USD High Yield Corp Bd ETF | ETF | 46435U853 | 326,052 | 8,911 | SH | | SOLE | | 0 | 0 | 8,911 |
iShares C&S Real Estate | ETF | 464287564 | 344,007 | 5,962 | SH | | SOLE | | 0 | 0 | 5,962 |
iShares Core 1-5 Year USD Bond ETF | ETF | 46432F859 | 755,909 | 15,934 | SH | | SOLE | | 0 | 0 | 15,934 |
iShares Core MSCI Emerging Markets ETF | ETF | 46434G103 | 1,226,738 | 23,774 | SH | | SOLE | | 0 | 0 | 23,774 |
iShares Core S&P 500 ETF | COM | 464287200 | 20,320,101 | 38,651 | SH | | SOLE | | 0 | 0 | 38,651 |
iShares Core S&P Mid-Cap ETF | ETF | 464287507 | 2,760,633 | 45,450 | SH | | SOLE | | 0 | 0 | 45,450 |
iShares Core S&P Small-Cap ETF | ETF | 464287804 | 2,322,136 | 21,011 | SH | | SOLE | | 0 | 0 | 21,011 |
iShares Core S&P Total US Stock Mkt ETF | COM | 464287150 | 2,794,194 | 24,234 | SH | | SOLE | | 0 | 0 | 24,234 |
iShares Core Total USD Bond Market ETF | ETF | 46434V613 | 38,659,026 | 847,972 | SH | | SOLE | | 0 | 0 | 847,972 |
iShares ESG U.S. Aggregate Bond ETF | ETF | 46435U549 | 604,721 | 12,850 | SH | | SOLE | | 0 | 0 | 12,850 |
Ishares Floating Rate | ETF | 46429B655 | 19,666,665 | 385,168 | SH | | SOLE | | 0 | 0 | 385,168 |
iShares Global REIT ETF | ETF | 46434V647 | 15,440,852 | 652,063 | SH | | SOLE | | 0 | 0 | 652,063 |
Ishares High Yield | ETF | 46434V407 | 726,329 | 17,070 | SH | | SOLE | | 0 | 0 | 17,070 |
iShares MSCI EAFE ETF | ETF | 464287465 | 1,206,927 | 15,113 | SH | | SOLE | | 0 | 0 | 15,113 |
iShares MSCI Emerging Markets ETF | ETF | 464287234 | 455,988 | 11,100 | SH | | SOLE | | 0 | 0 | 11,100 |
iShares National Muni Bond ETF | ETF | 464288414 | 15,383,787 | 142,972 | SH | | SOLE | | 0 | 0 | 142,972 |
iShares Russell 1000 ETF | ETF | 464287622 | 1,090,946 | 3,788 | SH | | SOLE | | 0 | 0 | 3,788 |
iShares Russell Mid-Cap ETF | ETF | 464287499 | 422,132 | 5,020 | SH | | SOLE | | 0 | 0 | 5,020 |
iShares S&P 500 Growth ETF | ETF | 464287309 | 3,046,985 | 36,085 | SH | | SOLE | | 0 | 0 | 36,085 |
iShares S&P 500 Value ETF | ETF | 464287408 | 1,320,186 | 7,067 | SH | | SOLE | | 0 | 0 | 7,067 |
iShares Short-Term National Muni Bond ETF | ETF | 464288158 | 5,370,031 | 51,275 | SH | | SOLE | | 0 | 0 | 51,275 |
iShares Ultra Short-Term Bond ETF | ETF | 46434V878 | 44,234,975 | 874,901 | SH | | SOLE | | 0 | 0 | 874,901 |
Janus Henderson AAA CLO ETF | ETF | 47103U845 | 2,827,333 | 55,722 | SH | | SOLE | | 0 | 0 | 55,722 |
Johnson & Johnson | COM | 478160104 | 460,807 | 2,913 | SH | | SOLE | | 0 | 0 | 2,913 |
JPMorgan Chase & Co. | ETF | 46625H100 | 740,910 | 3,699 | SH | | SOLE | | 0 | 0 | 3,699 |
JPMorgan Equity Premium Income ETF | COM | 46641Q332 | 675,214 | 11,670 | SH | | SOLE | | 0 | 0 | 11,670 |
JPMorgan Municipal ETF | ETF | 46641Q647 | 6,654,196 | 131,143 | SH | | SOLE | | 0 | 0 | 131,143 |
Lilly Eli & Company | ETF | 532457108 | 1,559,032 | 2,004 | SH | | SOLE | | 0 | 0 | 2,004 |
Mastercard Inc | COM | 57636Q104 | 565,845 | 1,175 | SH | | SOLE | | 0 | 0 | 1,175 |
Mc Donalds Corp | ETF | 580135101 | 850,698 | 3,017 | SH | | SOLE | | 0 | 0 | 3,017 |
Microsoft Corp | ETF | 594918104 | 1,923,269 | 4,571 | SH | | SOLE | | 0 | 0 | 4,571 |
Mid Cap S P D R TRUST | ETF | 78467Y107 | 6,113,917 | 10,988 | SH | | SOLE | | 0 | 0 | 10,988 |
Nike Inc Class B | ETF | 654106103 | 318,780 | 3,392 | SH | | SOLE | | 0 | 0 | 3,392 |
Northrop Grumman Corp | ETF | 666807102 | 856,323 | 1,789 | SH | | SOLE | | 0 | 0 | 1,789 |
Oracle Corporation | COM | 68389X105 | 202,986 | 1,616 | SH | | SOLE | | 0 | 0 | 1,616 |
Pepsico Incorporated | ETF | 713448108 | 217,887 | 1,245 | SH | | SOLE | | 0 | 0 | 1,245 |
Powershare Ftse Rafi US | ETF | 46137V613 | 1,205,073 | 31,325 | SH | | SOLE | | 0 | 0 | 31,325 |
Russell 1000/ Lrg. Growth | ETF | 464287614 | 3,455,672 | 10,253 | SH | | SOLE | | 0 | 0 | 10,253 |
Russell 1000/ Lrg. Value | ETF | 464287598 | 4,234,430 | 23,642 | SH | | SOLE | | 0 | 0 | 23,642 |
Russell 2000/ Small Growth | ETF | 464287648 | 405,388 | 1,497 | SH | | SOLE | | 0 | 0 | 1,497 |
Russell 2000/ Small Value | ETF | 464287630 | 603,910 | 3,803 | SH | | SOLE | | 0 | 0 | 3,803 |
Russell 2000/Small Blend | ETF | 464287655 | 8,445,638 | 40,160 | SH | | SOLE | | 0 | 0 | 40,160 |
Russell 3000 | ETF | 464287689 | 16,364,443 | 54,534 | SH | | SOLE | | 0 | 0 | 54,534 |
Schw Emg Mkt Eq Etf | ETF | 808524706 | 356,469 | 14,118 | SH | | SOLE | | 0 | 0 | 14,118 |
Schw Intl Eq Etf | ETF | 808524805 | 652,552 | 16,724 | SH | | SOLE | | 0 | 0 | 16,724 |
Schw US Brd Mkt Etf | ETF | 808524102 | 4,346,027 | 71,188 | SH | | SOLE | | 0 | 0 | 71,188 |
Schwab Short-Term U.S. Treasury ETF | ETF | 808524862 | 461,755 | 9,578 | SH | | SOLE | | 0 | 0 | 9,578 |
Schwab US Large Cap | ETF | 808524409 | 6,085,390 | 80,092 | SH | | SOLE | | 0 | 0 | 80,092 |
Sector Spdr Fincl Select | ETF | 81369Y605 | 200,070 | 4,750 | SH | | SOLE | | 0 | 0 | 4,750 |
SPDR Blmbg Barclays 1-3 Mth T-Bill ETF | ETF | 78468R663 | 372,068 | 4,053 | SH | | SOLE | | 0 | 0 | 4,053 |
SPDR Dow Jones Industrial Average ETF | ETF | 78467X109 | 324,174 | 815 | SH | | SOLE | | 0 | 0 | 815 |
SPDR Portfolio S&P 500 Value ETF | ETF | 78464A508 | 1,111,068 | 22,177 | SH | | SOLE | | 0 | 0 | 22,177 |
SPDR Trust (S&P 500) | ETF | 78462F103 | 20,441,955 | 39,081 | SH | | SOLE | | 0 | 0 | 39,081 |
Thermo Electron Corp | COM | 883556102 | 349,888 | 602 | SH | | SOLE | | 0 | 0 | 602 |
Vanguard Core-Plus Bond ETF | ETF | 922020755 | 628,797 | 8,196 | SH | | SOLE | | 0 | 0 | 8,196 |
Vanguard Div Apprciation | ETF | 921908844 | 413,429 | 2,264 | SH | | SOLE | | 0 | 0 | 2,264 |
Vanguard Emerging Market | ETF | 922042858 | 952,610 | 22,806 | SH | | SOLE | | 0 | 0 | 22,806 |
Vanguard ESG Int'l ETF | ETF | 921910725 | 7,831,437 | 136,270 | SH | | SOLE | | 0 | 0 | 136,270 |
Vanguard ESG U.S. Stock ETF | ETF | 921910733 | 14,176,622 | 152,126 | SH | | SOLE | | 0 | 0 | 152,126 |
Vanguard Growth | ETF | 922908736 | 6,418,845 | 18,649 | SH | | SOLE | | 0 | 0 | 18,649 |
Vanguard High Dividend ETF | ETF | 921946406 | 2,612,900 | 21,596 | SH | | SOLE | | 0 | 0 | 21,596 |
Vanguard Info Technology | ETF | 92204A702 | 429,959 | 820 | SH | | SOLE | | 0 | 0 | 820 |
Vanguard Interm Bond Index ETF | ETF | 921937819 | 19,395,370 | 257,233 | SH | | SOLE | | 0 | 0 | 257,233 |
Vanguard Intermediate | ETF | 92206C870 | 2,129,248 | 26,447 | SH | | SOLE | | 0 | 0 | 26,447 |
Vanguard Mid Cap | ETF | 922908629 | 567,036 | 2,269 | SH | | SOLE | | 0 | 0 | 2,269 |
Vanguard Msci Eafe Etf | ETF | 921943858 | 2,253,636 | 44,920 | SH | | SOLE | | 0 | 0 | 44,920 |
Vanguard Reit | ETF | 922908553 | 5,913,703 | 68,382 | SH | | SOLE | | 0 | 0 | 68,382 |
Vanguard Russell 1000 | ETF | 92206C714 | 1,316,434 | 16,740 | SH | | SOLE | | 0 | 0 | 16,740 |
Vanguard Russell 1000 Growth ETF | ETF | 92206C680 | 3,207,310 | 37,006 | SH | | SOLE | | 0 | 0 | 37,006 |
Vanguard Russell 3000 ETF | ETF | 92206C599 | 12,185,439 | 52,307 | SH | | SOLE | | 0 | 0 | 52,307 |
Vanguard S&P 500 Etf | ETF | 922908363 | 1,029,488 | 2,142 | SH | | SOLE | | 0 | 0 | 2,142 |
Vanguard S&P 500 Growth ETF | ETF | 921932505 | 2,955,078 | 9,698 | SH | | SOLE | | 0 | 0 | 9,698 |
Vanguard Short Term Corp Bond | ETF | 92206C409 | 3,452,742 | 44,661 | SH | | SOLE | | 0 | 0 | 44,661 |
Vanguard Short-Term Bond Index Fund | ETF | 921937827 | 76,685,487 | 1,000,202 | SH | | SOLE | | 0 | 0 | 1,000,202 |
VANGUARD SHRT TAX EXEMPT BND ETF | ETF | 921935870 | 3,775,747 | 37,495 | SH | | SOLE | | 0 | 0 | 37,495 |
Vanguard Small Cap | ETF | 922908751 | 960,610 | 4,202 | SH | | SOLE | | 0 | 0 | 4,202 |
Vanguard Small Cap Value | ETF | 922908611 | 2,448,131 | 12,759 | SH | | SOLE | | 0 | 0 | 12,759 |
Vanguard Total Bond | ETF | 921937835 | 4,905,067 | 67,535 | SH | | SOLE | | 0 | 0 | 67,535 |
Vanguard Total Internatl | ETF | 92203J407 | 1,162,999 | 23,643 | SH | | SOLE | | 0 | 0 | 23,643 |
Vanguard Total Intl Etf | ETF | 921909768 | 689,410 | 11,433 | SH | | SOLE | | 0 | 0 | 11,433 |
Vanguard Total Stock Mkt | ETF | 922908769 | 109,074,728 | 419,680 | SH | | SOLE | | 0 | 0 | 419,680 |
Vanguard Value | ETF | 922908744 | 10,936,024 | 67,150 | SH | | SOLE | | 0 | 0 | 67,150 |
Visa Inc Cl A | COM | 92826C839 | 746,088 | 2,673 | SH | | SOLE | | 0 | 0 | 2,673 |