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| | | 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 |
Apple Computer | EQUITY | 037833100 | 1,804 | 13,883 | SH | | SOLE | | 0 | 0 | 13,883 |
Berkshire Hathaway Cl B | EQUITY | 084670702 | 613 | 1,986 | SH | | SOLE | | 0 | 0 | 1,986 |
Carrier Global Corp | EQUITY | 14448C104 | 358 | 8,674 | SH | | SOLE | | 0 | 0 | 8,674 |
Chubb Corp. | EQUITY | H1467J104 | 550 | 2,494 | SH | | SOLE | | 0 | 0 | 2,494 |
Home Depot Inc | EQUITY | 437076102 | 345 | 1,092 | SH | | SOLE | | 0 | 0 | 1,092 |
Invesco S&P 500 Equal Weight | ETF | 46137V357 | 3,082 | 21,820 | SH | | SOLE | | 0 | 0 | 21,820 |
iShares Cohen & Steers REIT | ETF | 464287564 | 259 | 4,720 | SH | | SOLE | | 0 | 0 | 4,720 |
iShares Core MSCI EAFE | ETF | 46432F842 | 7,310 | 118,594 | SH | | SOLE | | 0 | 0 | 118,594 |
iShares Core MSCI Emerging Mkt | ETF | 46434G103 | 219 | 4,700 | SH | | SOLE | | 0 | 0 | 4,700 |
iShares Core MSCI Totl | ETF | 46432F834 | 2,360 | 40,768 | SH | | SOLE | | 0 | 0 | 40,768 |
iShares Core S&P 500 | ETF | 464287200 | 4,298 | 11,186 | SH | | SOLE | | 0 | 0 | 11,186 |
iShares Core S&P Mid-Cap | ETF | 464287507 | 1,613 | 6,669 | SH | | SOLE | | 0 | 0 | 6,669 |
iShares Core S&P Small-Cap | ETF | 464287804 | 1,932 | 20,410 | SH | | SOLE | | 0 | 0 | 20,410 |
iShares Core S&P Total | ETF | 464287150 | 322 | 3,803 | SH | | SOLE | | 0 | 0 | 3,803 |
iShares Core US Aggregate Bond | ETF | 464287226 | 4,223 | 43,540 | SH | | SOLE | | 0 | 0 | 43,540 |
iShares DJ US Real Estate | ETF | 464287739 | 1,974 | 23,451 | SH | | SOLE | | 0 | 0 | 23,451 |
iShares EMU Hedged ETF | ETF | 46434V639 | 3,356 | 120,820 | SH | | SOLE | | 0 | 0 | 120,820 |
iShares ESG Aware MSCI | ETF | 46435G516 | 399 | 6,072 | SH | | SOLE | | 0 | 0 | 6,072 |
iShares MSCI EAFE | ETF | 464287465 | 2,491 | 37,952 | SH | | SOLE | | 0 | 0 | 37,952 |
iShares MSCI EAFE Small-Cap | ETF | 464288273 | 226 | 4,003 | SH | | SOLE | | 0 | 0 | 4,003 |
iShares MSCI Emerging Markets | ETF | 464287234 | 2,135 | 56,334 | SH | | SOLE | | 0 | 0 | 56,334 |
iShares National Muni Bond | ETF | 464288414 | 2,008 | 19,025 | SH | | SOLE | | 0 | 0 | 19,025 |
iShares Russell 2000 | ETF | 464287655 | 4,712 | 27,023 | SH | | SOLE | | 0 | 0 | 27,023 |
iShares Russell 3000 | ETF | 464287689 | 262 | 1,185 | SH | | SOLE | | 0 | 0 | 1,185 |
iShares Russell Mid-Cap | ETF | 464287499 | 1,041 | 15,432 | SH | | SOLE | | 0 | 0 | 15,432 |
iShares S&P NA Tec. Semi. Idx | ETF | 464287523 | 406 | 1,168 | SH | | SOLE | | 0 | 0 | 1,168 |
iShares TIPS Bond | ETF | 464287176 | 1,024 | 9,619 | SH | | SOLE | | 0 | 0 | 9,619 |
Ishares US Aerospace | ETF | 464288760 | 202 | 1,803 | SH | | SOLE | | 0 | 0 | 1,803 |
iShares US Technology | ETF | 464287721 | 1,612 | 21,640 | SH | | SOLE | | 0 | 0 | 21,640 |
K K R Real Estate Finance Trus | EQUITY | 48251K100 | 291 | 20,817 | SH | | SOLE | | 0 | 0 | 20,817 |
M&T Bank Corporation | EQUITY | 55261F104 | 236 | 1,628 | SH | | SOLE | | 0 | 0 | 1,628 |
Medical Properties | EQUITY | 58463J304 | 804 | 72,134 | SH | | SOLE | | 0 | 0 | 72,134 |
Microsoft | EQUITY | 594918104 | 328 | 1,369 | SH | | SOLE | | 0 | 0 | 1,369 |
Otis Worldwide Corp | EQUITY | 68902V107 | 340 | 4,337 | SH | | SOLE | | 0 | 0 | 4,337 |
PowerShares Dividend Achievers | ETF | 46137V506 | 293 | 8,025 | SH | | SOLE | | 0 | 0 | 8,025 |
PowerShares FTSE RAFI US 1000 | ETF | 46137V613 | 337 | 2,173 | SH | | SOLE | | 0 | 0 | 2,173 |
Proshares Dividend Aristocrats | ETF | 74347B680 | 8,439 | 117,947 | SH | | SOLE | | 0 | 0 | 117,947 |
ProShares Dividend Aristocrats | ETF | 74348A467 | 7,355 | 81,729 | SH | | SOLE | | 0 | 0 | 81,729 |
Raytheon Technologies Co | EQUITY | 75513E101 | 627 | 6,208 | SH | | SOLE | | 0 | 0 | 6,208 |
Schwab Fundamental US Large Co | ETF | 808524771 | 216 | 4,042 | SH | | SOLE | | 0 | 0 | 4,042 |
Schwab US Broad Market | ETF | 808524102 | 316 | 7,049 | SH | | SOLE | | 0 | 0 | 7,049 |
Schwab US Dividend Equity | ETF | 808524797 | 758 | 10,034 | SH | | SOLE | | 0 | 0 | 10,034 |
SPDR Doubleline Ttl Rtrn | ETF | 78467V848 | 4,942 | 123,432 | SH | | SOLE | | 0 | 0 | 123,432 |
SPDR Financial Select Sector | ETF | 81369Y605 | 572 | 16,720 | SH | | SOLE | | 0 | 0 | 16,720 |
SPDR Portfolio Emerging Market | ETF | 78463X509 | 343 | 10,408 | SH | | SOLE | | 0 | 0 | 10,408 |
SPDR S&P 500 | ETF | 78462F103 | 10,182 | 26,625 | SH | | SOLE | | 0 | 0 | 26,625 |
SPDR S&P Dividend | ETF | 78464A763 | 2,788 | 22,283 | SH | | SOLE | | 0 | 0 | 22,283 |
Valero Energy Corp New | EQUITY | 91913Y100 | 307 | 2,420 | SH | | SOLE | | 0 | 0 | 2,420 |
Vanguard All-World ex-US | ETF | 922042775 | 1,138 | 22,693 | SH | | SOLE | | 0 | 0 | 22,693 |
Vanguard Dividend Appreciation | ETF | 921908844 | 2,218 | 14,609 | SH | | SOLE | | 0 | 0 | 14,609 |
Vanguard Emerging Markets | ETF | 922042858 | 1,659 | 42,552 | SH | | SOLE | | 0 | 0 | 42,552 |
Vanguard Glb. Ex-US Real Estat | ETF | 922042676 | 1,184 | 28,650 | SH | | SOLE | | 0 | 0 | 28,650 |
Vanguard High Dividend Yield | ETF | 921946406 | 968 | 8,942 | SH | | SOLE | | 0 | 0 | 8,942 |
Vanguard Interm. Corp. Bond | ETF | 92206C870 | 1,023 | 13,198 | SH | | SOLE | | 0 | 0 | 13,198 |
Vanguard Interm. Treasuries | ETF | 92206C706 | 2,408 | 41,181 | SH | | SOLE | | 0 | 0 | 41,181 |
Vanguard Int'l Developed Marke | ETF | 921943858 | 5,182 | 123,468 | SH | | SOLE | | 0 | 0 | 123,468 |
Vanguard Mid-Cap | ETF | 922908629 | 4,263 | 20,919 | SH | | SOLE | | 0 | 0 | 20,919 |
Vanguard Real Estate | ETF | 922908553 | 792 | 9,599 | SH | | SOLE | | 0 | 0 | 9,599 |
Vanguard S&P 500 ETF | ETF | 922908363 | 523 | 1,490 | SH | | SOLE | | 0 | 0 | 1,490 |
Vanguard Short-Term Bond | ETF | 921937827 | 13,570 | 180,264 | SH | | SOLE | | 0 | 0 | 180,264 |
Vanguard Short-Term Corp. Bond | ETF | 92206C409 | 12,497 | 166,210 | SH | | SOLE | | 0 | 0 | 166,210 |
Vanguard Short-Term Treasuries | ETF | 92206C102 | 710 | 12,280 | SH | | SOLE | | 0 | 0 | 12,280 |
Vanguard Small-Cap | ETF | 922908751 | 1,344 | 7,323 | SH | | SOLE | | 0 | 0 | 7,323 |
Vanguard Total Bond Market | ETF | 921937835 | 6,405 | 89,155 | SH | | SOLE | | 0 | 0 | 89,155 |
Vanguard Total Int'l Stock | ETF | 921909768 | 34,302 | 663,232 | SH | | SOLE | | 0 | 0 | 663,232 |
Vanguard Total Stock Market | ETF | 922908769 | 8,614 | 45,054 | SH | | SOLE | | 0 | 0 | 45,054 |
Willis Towers Watson | EQUITY | G96629103 | 258 | 1,055 | SH | | SOLE | | 0 | 0 | 1,055 |