Mascoma Wealth Management 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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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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
AMAZON COM INC COM	Stock	023135106	410	126	SH		SOLE	0	8	0	118
INVESCO QQQ TRUST	ETF	46090E103	4,077	12,995	SH		SOLE	0	1,005	0	11,990
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF	ETF	381430107	7,499	235,071	SH		SOLE	0	25,366	0	209,704
JOHNSON & JOHNSON COM	Stock	478160104	1,019	6,472	SH		SOLE	0	603	0	5,868
COSTCO WHSL CORP NEW COM	Stock	22160K105	303	804	SH		SOLE	0	121	0	682
ISHARES MSCI KLD 400 SOCIAL ETF	ETF	464288570	1,838	25,697	SH		SOLE	0	5,033	0	20,664
PROCTER AND GAMBLE CO COM	Stock	742718109	619	4,451	SH		SOLE	0	661	0	3,790
COCA COLA CO COM	Stock	191216100	350	6,380	SH		SOLE	0	400	0	5,980
UNITED PARCEL SERVICE INC CL B	Stock	911312106	312	1,850	SH		SOLE	0	0	0	1,850
ISHARES MSCI ACWI EX US INDEX FUND	ETF	464288240	252	4,760	SH		SOLE	0	0	0	4,760
INTEL CORP COM	Stock	458140100	1,398	28,060	SH		SOLE	0	1,692	0	26,367
ISHARES MSCI INTL MULTIFACTOR ETF	ETF	46434V274	299	11,018	SH		SOLE	0	0	0	11,018
ISHARES MSCI EAFE ESG SELECT ETF	ETF	46435G516	587	8,035	SH		SOLE	0	1,084	0	6,951
SPDR S&P 500 ETF	ETF	78462F103	568	1,520	SH		SOLE	0	1,500	0	20
EMERSON ELEC CO COM	Stock	291011104	216	2,687	SH		SOLE	0	225	0	2,462
HOWMET AEROSPACE INC COM	Stock	443201108	333	11,662	SH		SOLE	0	0	0	11,662
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	3,727	63,436	SH		SOLE	0	5,013	0	58,422
PEPSICO INC COM	Stock	713448108	223	1,506	SH		SOLE	0	200	0	1,306
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF	ETF	33740F805	473	8,644	SH		SOLE	0	2,290	0	6,354
NUVEEN ESG MID-CAP GROWTH ETF	ETF	67092P409	365	7,382	SH		SOLE	0	1,087	0	6,295
GROWGENERATION CORP COM	Stock	39986L109	241	6,000	SH		SOLE	0	0	0	6,000
HOME DEPOT INC COM	Stock	437076102	225	846	SH		SOLE	0	50	0	796
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF	ETF	46435G243	538	20,548	SH		SOLE	0	2,822	0	17,726
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	14,900	293,367	SH		SOLE	0	45,772	0	247,594
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	78464A474	3,520	112,099	SH		SOLE	0	3,678	0	108,421
ISHARES S&P SMALL-CAP FUND	ETF	464287804	594	6,462	SH		SOLE	0	1,816	0	4,646
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	318	1,373	SH		SOLE	0	0	0	1,373
COLONY CR REAL ESTATE INC COM CL A	REIT	19625T101	116	15,411	SH		SOLE	0	0	0	15,411
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	558	5,740	SH		SOLE	0	5,020	0	720
MICROSOFT CORP COM	Stock	594918104	1,079	4,850	SH		SOLE	0	843	0	4,006
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF	ETF	46435U663	370	10,850	SH		SOLE	0	1,544	0	9,306
BOEING CO COM	Stock	097023105	415	1,940	SH		SOLE	0	0	0	1,940
VANGUARD SMALL-CAP INDEX FUND	ETF	922908751	5,231	26,872	SH		SOLE	0	5,589	0	21,282
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF	ETF	46435U549	1,130	19,988	SH		SOLE	0	2,216	0	17,772
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF	ETF	78468R648	1,514	26,275	SH		SOLE	0	4,456	0	21,818
ISHARES GLOBAL GREEN BOND ETF	ETF	46435U440	318	5,656	SH		SOLE	0	361	0	5,295
VANGUARD INFORMATION TECHNOLOGY INDEX FUND	ETF	92204A702	431	1,218	SH		SOLE	0	426	0	792
ALECTOR INC COM	Stock	014442107	481	31,819	SH		SOLE	0	0	0	31,818
VANGUARD S&P 500 ETF	ETF	922908363	1,826	5,312	SH		SOLE	0	5,071	0	241
ISHARES SELECT DIVIDEND ETF	ETF	464287168	962	9,998	SH		SOLE	0	1,379	0	8,619
FIRST TRUST CLOUD COMPUTING ETF	ETF	33734X192	548	5,764	SH		SOLE	0	519	0	5,245
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	310	3,195	SH		SOLE	0	0	0	3,195
ISHARES MSCI EAFE MIN VOL FACTOR ETF	ETF	46429B689	2,234	30,438	SH		SOLE	0	1,288	0	29,150
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	14,910	219,649	SH		SOLE	0	18,171	0	201,477
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	207	7,611	SH		SOLE	0	2,971	0	4,640
NUVEEN MUN VALUE FD INC COM	CEF	670928100	266	23,970	SH		SOLE	0	0	0	23,970
ROYCE VALUE TR INC COM	CEF	780910105	173	10,717	SH		SOLE	0	0	0	10,717
ISHARES AAA - A RATED CORPORATE BOND ETF	ETF	46429B291	4,828	82,509	SH		SOLE	0	22,339	0	60,169
VIRTUS GLOBAL DIVID & INCOME F COM	CEF	92835W107	103	11,700	SH		SOLE	0	0	0	11,700
INVESCO FTSE RAFI US 1500A SMALL-MIDA ETF	ETF	46137V597	371	2,455	SH		SOLE	0	0	0	2,455
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	5,509	16,831	SH		SOLE	0	2,567	0	14,263
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	7,418	134,450	SH		SOLE	0	28,582	0	105,867
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	529	8,522	SH		SOLE	0	299	0	8,223
VANGUARD TOTAL BOND MARKET INDEX FUND	ETF	921937835	472	5,352	SH		SOLE	0	5,317	0	34
AT&T INC COM	Stock	00206R102	1,386	48,205	SH		SOLE	0	7,333	0	40,871
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	363	3,127	SH		SOLE	0	718	0	2,409
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	1,724	19,746	SH		SOLE	0	1,829	0	17,917
VEEVA SYS INC CL A COM	Stock	922475108	436	1,600	SH		SOLE	0	0	0	1,600
FIDELITY MSCI UTILITIES INDEX ETF	ETF	316092865	1,717	42,315	SH		SOLE	0	3,590	0	38,724
FIDELITY MSCI HEALTH CARE INDEX ETF	ETF	316092600	1,790	30,999	SH		SOLE	0	3,821	0	27,178
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	ETF	316092808	2,693	25,772	SH		SOLE	0	4,522	0	21,250
ISHARES CORE S&P 500 ETF	ETF	464287200	8,881	23,659	SH		SOLE	0	7,636	0	16,022
UNION PAC CORP COM	Stock	907818108	1,162	5,579	SH		SOLE	0	100	0	5,478
NORTHROP GRUMMAN CORP COM	Stock	666807102	378	1,242	SH		SOLE	0	0	0	1,242
JPMORGAN CHASE & CO COM	Stock	46625H100	382	3,007	SH		SOLE	0	368	0	2,639
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	4,652	110,353	SH		SOLE	0	36,290	0	74,062
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	3,689	78,135	SH		SOLE	0	40,080	0	38,055
TJX COS INC NEW COM	Stock	872540109	474	6,948	SH		SOLE	0	0	0	6,947
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	429	3,410	SH		SOLE	0	455	0	2,955
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	481	6,723	SH		SOLE	0	253	0	6,470
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	342	6,834	SH		SOLE	0	6,233	0	600
PFIZER INC COM	Stock	717081103	896	24,330	SH		SOLE	0	3,373	0	20,956
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF	ETF	464287242	4,019	29,094	SH		SOLE	0	4,172	0	24,921
AMGEN INC COM	Stock	031162100	985	4,285	SH		SOLE	0	155	0	4,130
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	22,772	256,765	SH		SOLE	0	61,965	0	194,799
TC ENERGY CORP COM	Stock	87807B107	248	6,100	SH		SOLE	0	6,100	0	0
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	5,996	42,472	SH		SOLE	0	9,701	0	32,771
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	17,921	151,627	SH		SOLE	0	34,482	0	117,144
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	545	12,159	SH		SOLE	0	1,790	0	10,369
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF	ETF	46138E537	1,209	44,583	SH		SOLE	0	3,345	0	41,237
BLACKROCK ULTRA SHORT-TERM BOND ETF	ETF	46434V878	3,575	70,766	SH		SOLE	0	10,438	0	60,328
DNP SELECT INCOME FD INC COM	CEF	23325P104	175	17,065	SH		SOLE	0	0	0	17,065
FIRST TRUST WATER ETF	ETF	33733B100	576	7,985	SH		SOLE	0	1,063	0	6,922
ISHARES J.P. MORGAN USD EMERGING MARKETS BOND ETF	ETF	464288281	2,155	18,591	SH		SOLE	0	4,564	0	14,026
EXXON MOBIL CORP COM	Stock	30231G102	320	7,758	SH		SOLE	0	4,345	0	3,413
UNITEDHEALTH GROUP INC COM	Stock	91324P102	282	804	SH		SOLE	0	0	0	804
ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF	ETF	46431W705	422	4,415	SH		SOLE	0	870	0	3,545
ISHARES S&P MIDCAP FUND	ETF	464287507	2,265	9,854	SH		SOLE	0	1,829	0	8,025
ISHARES S&P GLOBAL CLEAN ENERGY INDEX FUND	ETF	464288224	916	32,448	SH		SOLE	0	5,751	0	26,697
APPLE INC COM	Stock	037833100	4,880	36,778	SH		SOLE	0	1,274	0	35,503
DISNEY WALT CO COM	Stock	254687106	451	2,490	SH		SOLE	0	0	0	2,489
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	820	6,000	SH		SOLE	0	0	0	6,000