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

OMB APPROVAL

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	980	285	SH		SOLE	0	13	0	272
INVESCO QQQ TRUST	ETF	46090E103	4,842	13,660	SH		SOLE	0	1,436	0	12,224
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF	ETF	381430107	3,295	94,337	SH		SOLE	0	21,320	0	73,016
JOHNSON & JOHNSON COM	Stock	478160104	1,017	6,172	SH		SOLE	0	555	0	5,616
COSTCO WHSL CORP NEW COM	Stock	22160K105	335	845	SH		SOLE	0	163	0	682
ISHARES MSCI KLD 400 SOCIAL ETF	ETF	464288570	6,143	74,170	SH		SOLE	0	25,041	0	49,128
PROCTER AND GAMBLE CO COM	Stock	742718109	542	4,020	SH		SOLE	0	780	0	3,240
COCA COLA CO COM	Stock	191216100	337	6,230	SH		SOLE	0	250	0	5,980
VANGUARD REAL ESTATE ETF	ETF	922908553	332	3,265	SH		SOLE	0	1,557	0	1,708
ISHARES MSCI ACWI EX US INDEX FUND	ETF	464288240	281	4,885	SH		SOLE	0	125	0	4,760
INTEL CORP COM	Stock	458140100	508	9,051	SH		SOLE	0	3,308	0	5,742
ISHARES MSCI INTL MULTIFACTOR ETF	ETF	46434V274	256	8,515	SH		SOLE	0	0	0	8,515
ISHARES GROWTH ALLOCATION FUND	ETF	464289867	347	6,195	SH		SOLE	0	3,304	0	2,889
ISHARES MSCI EAFE ESG SELECT ETF	ETF	46435G516	1,103	13,961	SH		SOLE	0	5,830	0	8,131
SPDR S&P 500 ETF	ETF	78462F103	655	1,531	SH		SOLE	0	1,510	0	20
FIDELITY DIVIDEND ETF FOR RISING RATES	ETF	316092832	7,025	166,270	SH		SOLE	0	34,359	0	131,911
EMERSON ELEC CO COM	Stock	291011104	287	2,985	SH		SOLE	0	558	0	2,427
HOWMET AEROSPACE INC COM	Stock	443201108	402	11,662	SH		SOLE	0	0	0	11,662
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	3,413	60,914	SH		SOLE	0	4,580	0	56,334
PEPSICO INC COM	Stock	713448108	335	2,260	SH		SOLE	0	154	0	2,106
HOME DEPOT INC COM	Stock	437076102	304	954	SH		SOLE	0	174	0	780
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	328	1,651	SH		SOLE	0	93	0	1,558
ISHARES ESG AWARE 1-5 YEAR USD CORPORATE BOND ETF	ETF	46435G243	995	38,229	SH		SOLE	0	19,730	0	18,499
JPMORGAN ULTRA-SHORT INCOME ETF	ETF	46641Q837	17,384	342,617	SH		SOLE	0	71,531	0	271,085
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF	ETF	78464A474	4,632	147,980	SH		SOLE	0	32,095	0	115,885
ISHARES S&P SMALL-CAP FUND	ETF	464287804	2,616	23,158	SH		SOLE	0	10,995	0	12,162
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	688	2,476	SH		SOLE	0	48	0	2,428
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF	ETF	92206C870	382	4,020	SH		SOLE	0	3,300	0	720
ALPHABET INC CAP STK CL A	Stock	02079K305	410	168	SH		SOLE	0	9	0	159
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	372	10,549	SH		SOLE	0	2,411	0	8,138
MICROSOFT CORP COM	Stock	594918104	1,704	6,288	SH		SOLE	0	1,202	0	5,086
ISHARES ESG AWARE MSCI USA SMALL-CAP ETF	ETF	46435U663	1,906	47,205	SH		SOLE	0	12,015	0	35,189
VANGUARD ESG U.S. STOCK ETF	ETF	921910733	261	3,264	SH		SOLE	0	418	0	2,846
BOEING CO COM	Stock	097023105	458	1,910	SH		SOLE	0	1,900	0	10
VANGUARD SMALL-CAP INDEX FUND	ETF	922908751	4,061	18,024	SH		SOLE	0	1,410	0	16,614
VANGUARD MID-CAP INDEX FUND	ETF	922908629	225	946	SH		SOLE	0	946	0	0
ISHARES ESG AWARE U.S. AGGREGATE BOND ETF	ETF	46435U549	990	17,889	SH		SOLE	0	8,978	0	8,911
SPDR S&P KENSHO NEW ECONOMIES COMPOSITE ETF	ETF	78468R648	5,236	78,320	SH		SOLE	0	19,893	0	58,426
SPDR S&P KENSHO CLEAN POWER ETF	ETF	78468R655	605	5,712	SH		SOLE	0	2,286	0	3,426
ISHARES GLOBAL GREEN BOND ETF	ETF	46435U440	584	10,675	SH		SOLE	0	6,168	0	4,507
VANGUARD INFORMATION TECHNOLOGY INDEX FUND	ETF	92204A702	244	612	SH		SOLE	0	101	0	511
SPDR S&P GLOBAL NATURAL RESOURCES ETF	ETF	78463X541	272	5,140	SH		SOLE	0	2,880	0	2,260
VANGUARD S&P 500 ETF	ETF	922908363	2,094	5,321	SH		SOLE	0	5,080	0	241
GOLDMAN SACHS ACCESS ULTRA SHORT BOND ETF	ETF	381430230	450	8,865	SH		SOLE	0	1,285	0	7,580
ISHARES 0-5 YEAR TIPS BOND ETF	ETF	46429B747	1,499	14,099	SH		SOLE	0	5,201	0	8,898
PIMCO ENHANCED SHORT MATURITY ACTIVE ESG EXCHANGE-TRADED FUND	ETF	72201R643	1,879	18,664	SH		SOLE	0	8,819	0	9,845
SPDR S&P AEROSPACE & DEFENSE ETF	ETF	78464A631	233	1,764	SH		SOLE	0	421	0	1,343
ISHARES SELECT DIVIDEND ETF	ETF	464287168	1,960	16,804	SH		SOLE	0	2,746	0	14,057
FIRST TR EXCHANGE TRADED FD II CLOUD COMPUTING	ETF	33734X192	621	5,861	SH		SOLE	0	871	0	4,990
ISHARES ESG SCREENED S&P MID-CAP ETF	ETF	46436E551	1,108	29,871	SH		SOLE	0	8,750	0	21,120
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF	ETF	464286525	329	3,195	SH		SOLE	0	0	0	3,195
ISHARES MSCI EAFE MIN VOL FACTOR ETF	ETF	46429B689	829	10,977	SH		SOLE	0	1,385	0	9,592
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	6,271	85,194	SH		SOLE	0	3,806	0	81,388
NUVEEN MUN VALUE FD INC COM	CEF	670928100	276	23,970	SH		SOLE	0	0	0	23,970
ROYCE VALUE TR INC COM	CEF	780910105	203	10,717	SH		SOLE	0	0	0	10,717
FACEBOOK INC CL A	Stock	30303M102	351	1,009	SH		SOLE	0	236	0	773
VIRTUS GLOBAL DIVID & INCOME F COM	CEF	92835W107	113	11,700	SH		SOLE	0	0	0	11,700
INVESCO FTSE RAFI US 1500A SMALL-MIDA ETF	ETF	46137V597	459	2,455	SH		SOLE	0	0	0	2,455
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF	ETF	46432F834	294	4,007	SH		SOLE	0	3,197	0	810
ISHARES U.S. MEDICAL DEVICES ETF	ETF	464288810	3,066	8,491	SH		SOLE	0	2,506	0	5,985
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF	ETF	464288646	14,931	272,413	SH		SOLE	0	84,080	0	188,332
ISHARES SHORT TREASURY BOND ETF	ETF	464288679	354	3,200	SH		SOLE	0	3,200	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	326	4,866	SH		SOLE	0	0	0	4,866
ISHARES MSCI EM ESG SELECT ETF	ETF	46434G863	378	8,366	SH		SOLE	0	2,459	0	5,906
MCDONALDS CORP COM	Stock	580135101	205	887	SH		SOLE	0	87	0	800
CISCO SYS INC COM	Stock	17275R102	233	4,394	SH		SOLE	0	2,001	0	2,393
AT&T INC COM	Stock	00206R102	1,181	41,034	SH		SOLE	0	3,905	0	37,128
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	687	5,171	SH		SOLE	0	1,845	0	3,326
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF	ETF	464288513	2,223	25,247	SH		SOLE	0	4,752	0	20,495
FIDELITY MSCI UTILITIES INDEX ETF	ETF	316092865	1,091	26,578	SH		SOLE	0	1,990	0	24,588
FIDELITY MSCI HEALTH CARE INDEX ETF	ETF	316092600	2,743	43,040	SH		SOLE	0	4,396	0	38,643
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF	ETF	316092808	2,146	18,220	SH		SOLE	0	360	0	17,860
ISHARES CORE S&P 500 ETF	ETF	464287200	24,277	56,468	SH		SOLE	0	18,242	0	38,224
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF	ETF	46434V407	1,445	31,379	SH		SOLE	0	16,703	0	14,676
UNION PAC CORP COM	Stock	907818108	1,254	5,701	SH		SOLE	0	170	0	5,530
NORTHROP GRUMMAN CORP COM	Stock	666807102	451	1,242	SH		SOLE	0	0	0	1,242
THERMO FISHER SCIENTIFIC INC COM	Stock	883556102	425	843	SH		SOLE	0	176	0	667
JPMORGAN CHASE & CO COM	Stock	46625H100	527	3,387	SH		SOLE	0	637	0	2,749
SPDR PORTFOLIO EMERGING MARKETS ETF	ETF	78463X509	6,880	151,218	SH		SOLE	0	44,423	0	106,794
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	13,052	253,329	SH		SOLE	0	85,999	0	167,329
TJX COS INC NEW COM	Stock	872540109	474	7,031	SH		SOLE	0	232	0	6,799
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	434	2,962	SH		SOLE	0	1,205	0	1,757
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	525	6,159	SH		SOLE	0	149	0	6,010
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	397	7,319	SH		SOLE	0	6,718	0	600
PFIZER INC COM	Stock	717081103	1,083	27,655	SH		SOLE	0	6,612	0	21,042
AMGEN INC COM	Stock	031162100	1,183	4,852	SH		SOLE	0	255	0	4,596
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	24,407	241,697	SH		SOLE	0	70,015	0	171,682
ISHARES CORE S&P U.S. VALUE ETF	ETF	464287663	1,084	15,066	SH		SOLE	0	3,206	0	11,860
VANGUARD DIVIDEND APPRECIATION INDEX FUND	ETF	921908844	1,977	12,770	SH		SOLE	0	2,198	0	10,572
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	10,207	88,504	SH		SOLE	0	25,727	0	62,777
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	454	9,010	SH		SOLE	0	1,356	0	7,654
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF	ETF	46138E537	1,234	45,271	SH		SOLE	0	1,645	0	43,625
BLACKROCK ULTRA SHORT-TERM BOND ETF	ETF	46434V878	3,781	74,851	SH		SOLE	0	18,764	0	56,087
DNP SELECT INCOME FD INC COM	CEF	23325P104	126	12,065	SH		SOLE	0	0	0	12,065
FIRST TRUST WATER ETF	ETF	33733B100	1,400	16,758	SH		SOLE	0	3,994	0	12,764
EXXON MOBIL CORP COM	Stock	30231G102	490	7,761	SH		SOLE	0	6,348	0	1,413
UNITEDHEALTH GROUP INC COM	Stock	91324P102	350	875	SH		SOLE	0	71	0	804
ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF	ETF	46431W705	368	3,820	SH		SOLE	0	870	0	2,950
ISHARES S&P MIDCAP FUND	ETF	464287507	3,834	14,267	SH		SOLE	0	5,392	0	8,875
APPLE INC COM	Stock	037833100	4,815	35,157	SH		SOLE	0	1,988	0	33,168
DISNEY WALT CO COM	Stock	254687106	411	2,339	SH		SOLE	0	49	0	2,289
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	958	6,040	SH		SOLE	0	40	0	6,000