Sage Financial 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
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	373	14,048	SH		SOLE		0	0	14,048
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	365	14,103	SH		SOLE		0	0	14,103
GOLDMAN SACHS ETF TR	JUST US LRG CP	381430396	836	13,396	SH		SOLE		0	0	13,396
ISHARES TR	MSCI EMG MKT ETF	464287234	551	10,929	SH		SOLE		0	0	10,929
ISHARES TR	RUS MDCP VAL ETF	464287473	2,991	26,408	SH		SOLE		0	0	26,408
ISHARES TR	RUS MD CP GR ETF	464287481	1,862	16,613	SH		SOLE		0	0	16,613
ISHARES TR	CORE S&P MCP ETF	464287507	36,014	136,899	SH		SOLE		0	0	136,899
ISHARES TR	RUS 1000 VAL ETF	464287598	3,358	21,453	SH		SOLE		0	0	21,453
ISHARES TR	RUS 1000 GRW ETF	464287614	8,436	30,783	SH		SOLE		0	0	30,783
ISHARES TR	CORE S&P SCP ETF	464287804	24,373	223,212	SH		SOLE		0	0	223,212
ISHARES TR	GL CLEAN ENE ETF	464288224	435	20,071	SH		SOLE		0	0	20,071
ISHARES TR	MSCI ACWI EX US	464288240	3,129	56,468	SH		SOLE		0	0	56,468
ISHARES TR	JPMORGAN USD EMG	464288281	8,475	77,005	SH		SOLE		0	0	77,005
ISHARES TR	MSCI KLD400 SOC	464288570	1,699	20,416	SH		SOLE		0	0	20,416
ISHARES TR	ISHS 1-5YR INVS	464288646	4,305	78,783	SH		SOLE		0	0	78,783
ISHARES TR	PFD AND INCM SEC	464288687	752	19,377	SH		SOLE		0	0	19,377
ISHARES TR	GRWT ALLOCAT ETF	464289867	3,473	62,619	SH		SOLE		0	0	62,619
ISHARES TR	CORE MSCI TOTAL	46432F834	852	12,000	SH		SOLE		0	0	12,000
ISHARES TR	ESG AWARE MSCI	46435U663	591	15,153	SH		SOLE		0	0	15,153
ISHARES TR	U.S. FIXED INCME	46435U796	1,031	10,282	SH		SOLE		0	0	10,282
J P MORGAN EXCHANGE-TRADED F	ULTRA SHT MUNCPL	46641Q654	7,418	145,241	SH		SOLE		0	0	145,241
J P MORGAN EXCHANGE-TRADED F	ULTRA SHRT INC	46641Q837	3,302	65,112	SH		SOLE		0	0	65,112
SPDR INDEX SHS FDS	MSCI ACWI EXUS	78463X848	747	25,771	SH		SOLE		0	0	25,771
SPDR SER TR	S&P 600 SMCP GRW	78464A201	1,583	18,174	SH		SOLE		0	0	18,174
SPDR SER TR	S&P 600 SMCP VAL	78464A300	10,996	134,168	SH		SOLE		0	0	134,168
SPDR SER TR	S&P 400 MDCP VAL	78464A839	4,704	71,031	SH		SOLE		0	0	71,031
SPDR SER TR	NUVEEN BRC MUNIC	78468R721	4,288	83,148	SH		SOLE		0	0	83,148
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	400,238	3,847,336	SH		SOLE		0	0	3,847,336
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	5,636	38,057	SH		SOLE		0	0	38,057
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	14,862	220,238	SH		SOLE		0	0	220,238
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	12,271	160,076	SH		SOLE		0	0	160,076
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	10,763	107,518	SH		SOLE		0	0	107,518
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,459	19,659	SH		SOLE		0	0	19,659
SCHWAB STRATEGIC TR	US AGGREGATE B	808524839	873	16,093	SH		SOLE		0	0	16,093
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	21,908	350,075	SH		SOLE		0	0	350,075
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	5,331	128,391	SH		SOLE		0	0	128,391
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	24,373	399,815	SH		SOLE		0	0	399,815
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	5,506	110,090	SH		SOLE		0	0	110,090
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	19,714	49,986	SH		SOLE		0	0	49,986
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	14,597	104,555	SH		SOLE		0	0	104,555
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	7,533	31,879	SH		SOLE		0	0	31,879
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	13,583	48,484	SH		SOLE		0	0	48,484
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	6,592	38,944	SH		SOLE		0	0	38,944
VANGUARD INDEX FDS	MID CAP ETF	922908629	5,034	21,261	SH		SOLE		0	0	21,261
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	15,600	77,643	SH		SOLE		0	0	77,643
VANGUARD INDEX FDS	GROWTH ETF	922908736	43,729	150,702	SH		SOLE		0	0	150,702
VANGUARD INDEX FDS	VALUE ETF	922908744	45,413	335,476	SH		SOLE		0	0	335,476
ACTIVISION BLIZZARD INC	COM	00507V109	4	51	SH		SOLE		0	0	51
NUTRIEN LTD	COM	67077M108	7	102	SH		SOLE		0	0	102
ALLSTATE CORP	COM	020002101	17	132	SH		SOLE		0	0	132
CORTEVA INC	COM	22052L104	8	187	SH		SOLE		0	0	187
DOW INC	COM	260557103	11	187	SH		SOLE		0	0	187
DUPONT DE NEMOURS INC	COM	26614N102	13	187	SH		SOLE		0	0	187
CHUBB LIMITED	COM	H1467J104	43	248	SH		SOLE		0	0	248
CAMDEN NATL CORP	COM	133034108	14	285	SH		SOLE		0	0	285
CATERPILLAR INC	COM	149123101	77	400	SH		SOLE		0	0	400
HANOVER INS GROUP INC	COM	410867105	52	400	SH		SOLE		0	0	400
CITIGROUP INC	COM NEW	172967424	32	450	SH		SOLE		0	0	450
EMERSON ELEC CO	COM	291011104	46	484	SH		SOLE		0	0	484
GENERAL ELECTRIC CO	COM NEW	369604301	50	484	SH		SOLE		0	0	484
APPLE INC	COM	037833100	70	492	SH		SOLE		0	0	492
PPL CORP	COM	69351T106	14	500	SH		SOLE		0	0	500
CRAWFORD & CO	CL A	224633206	7	750	SH		SOLE		0	0	750
PROCTER AND GAMBLE CO	COM	742718109	107	763	SH		SOLE		0	0	763
ARCHER DANIELS MIDLAND CO	COM	039483102	55	918	SH		SOLE		0	0	918
HERSHEY CO	COM	427866108	163	965	SH		SOLE		0	0	965
BK OF AMERICA CORP	COM	060505104	47	1,096	SH		SOLE		0	0	1,096
JOHNSON & JOHNSON	COM	478160104	258	1,598	SH		SOLE		0	0	1,598
F N B CORP	COM	302520101	35	3,000	SH		SOLE		0	0	3,000
NATWEST GROUP PLC	SPONS ADR 2 ORD	639057108	21	3,500	SH		SOLE		0	0	3,500
DEUTSCHE BANK A G	NAMEN AKT	D18190898	61	4,814	SH		SOLE		0	0	4,814