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
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
3M COM 88579Y101 264 1,511 SH   SOLE   0 0 1,511
Abbott Laboratories COM 002824100 352 3,216 SH   SOLE   0 0 3,216
Abbvie Inc COM 00287Y109 296 2,766 SH   SOLE   0 0 2,766
Accenture Plc Cl A COM G1151C101 479 1,834 SH   SOLE   0 0 1,834
Amazon Com Inc COM 023135106 1,166 358 SH   SOLE   0 0 358
American Elec Pwr Inc COM 025537101 212 2,547 SH   SOLE   0 0 2,547
Apple Computer Inc COM 037833100 2,955 22,269 SH   SOLE   0 0 22,269
Arrow Financial Corp COM 042744102 534 17,839 SH   SOLE   0 0 17,839
Berkshire Hathaway A COM 084670108 1,043 3 SH   SOLE   0 0 3
Berkshire Hathaway B New COM 084670702 346 1,494 SH   SOLE   0 0 1,494
BGI i Shares/TIPS ETF 464287176 1,890 14,804 SH   SOLE   0 0 14,804
Boeing Co COM 097023105 460 2,149 SH   SOLE   0 0 2,149
Coca Cola Company COM 191216100 260 4,739 SH   SOLE   0 0 4,739
Comcast Corp New Cl A COM 20030N101 371 7,085 SH   SOLE   0 0 7,085
Deere & Co COM 244199105 220 818 SH   SOLE   0 0 818
Disney Company COM 254687106 794 4,382 SH   SOLE   0 0 4,382
DTE Energy Company COM 233331107 309 2,546 SH   SOLE   0 0 2,546
Duke Energy Corporation COM 26441C204 314 3,434 SH   SOLE   0 0 3,434
Ecolab Inc COM 278865100 346 1,600 SH   SOLE   0 0 1,600
Enbridge Inc COM 29250N105 385 12,049 SH   SOLE   0 0 12,049
Exxon Mobil Corporation COM 30231G102 254 6,161 SH   SOLE   0 0 6,161
Facebook Inc Class A COM 30303M102 399 1,459 SH   SOLE   0 0 1,459
Global Payments Inc COM 37940X102 452 2,100 SH   SOLE   0 0 2,100
Heartland Finl Usa COM 42234Q102 1,930 47,808 SH   SOLE   0 0 47,808
Honeywell International COM 438516106 492 2,311 SH   SOLE   0 0 2,311
Intel Corp COM 458140100 379 7,603 SH   SOLE   0 0 7,603
Invesco QQQ Trust ETF 46090E103 748 2,384 SH   SOLE   0 0 2,384
iShares Aggregate Bond Fd ETF 464287226 2,062 17,444 SH   SOLE   0 0 17,444
iShares C&S Real Estate ETF 464287564 380 7,054 SH   SOLE   0 0 7,054
iShares MSCI Emrg Mkt ETF 464287234 1,758 34,022 SH   SOLE   0 0 34,022
iShares MSCI/EAFE Index ETF 464287465 946 12,967 SH   SOLE   0 0 12,967
iShares Russell 1000 ETF 464287622 1,126 5,315 SH   SOLE   0 0 5,315
iShares S&P 500 Growth ETF 464287309 3,243 50,818 SH   SOLE   0 0 50,818
iShares S&P 500 Index ETF 464287200 1,780 4,741 SH   SOLE   0 0 4,741
iShares S&P 500 Value ETF 464287408 1,018 7,953 SH   SOLE   0 0 7,953
iShares S&P Sm Cap Value ETF 464287879 456 5,614 SH   SOLE   0 0 5,614
iShares Tr Barclays Bond ETF 464287457 936 10,836 SH   SOLE   0 0 10,836
Johnson & Johnson COM 478160104 237 1,506 SH   SOLE   0 0 1,506
JPMorgan Chase & Co. COM 46625H100 274 2,160 SH   SOLE   0 0 2,160
Lilly Eli & Company COM 532457108 520 3,082 SH   SOLE   0 0 3,082
Mastercard Inc COM 57636Q104 767 2,150 SH   SOLE   0 0 2,150
Mc Donalds Corp COM 580135101 313 1,460 SH   SOLE   0 0 1,460
Medtronic Inc COM G5960L103 203 1,734 SH   SOLE   0 0 1,734
Microsoft Corp COM 594918104 523 2,350 SH   SOLE   0 0 2,350
Mid Cap S P D R TRUST ETF 78467Y107 4,919 11,714 SH   SOLE   0 0 11,714
Nike Inc Class B COM 654106103 578 4,088 SH   SOLE   0 0 4,088
Northrop Grumman Corp COM 666807102 636 2,087 SH   SOLE   0 0 2,087
Novo-Nordisk A-S COM 670100205 699 10,000 SH   SOLE   0 0 10,000
Oracle Corporation COM 68389X105 275 4,250 SH   SOLE   0 0 4,250
Pepsico Incorporated COM 713448108 295 1,989 SH   SOLE   0 0 1,989
Pfizer Incorporated COM 717081103 293 7,954 SH   SOLE   0 0 7,954
Procter & Gamble Co COM 742718109 1,045 7,509 SH   SOLE   0 0 7,509
Raytheon Technologies Ord COM 75513E101 210 2,940 SH   SOLE   0 0 2,940
Rocket Cos Inc-Class A COM 77311W101 206 10,200 SH   SOLE   0 0 10,200
Russell 1000/ Lrg. Growth ETF 464287614 3,465 14,370 SH   SOLE   0 0 14,370
Russell 1000/ Lrg. Value ETF 464287598 3,844 28,117 SH   SOLE   0 0 28,117
Russell 2000/ Small Growth ETF 464287648 221 770 SH   SOLE   0 0 770
Russell 2000/ Small Value ETF 464287630 593 4,500 SH   SOLE   0 0 4,500
Russell 2000/Small Blend ETF 464287655 7,643 38,984 SH   SOLE   0 0 38,984
Russell 3000 ETF 464287689 14,413 64,471 SH   SOLE   0 0 64,471
Schw Emg Mkt Eq Etf ETF 808524706 290 9,456 SH   SOLE   0 0 9,456
Schw US Brd Mkt Etf ETF 808524102 1,903 20,915 SH   SOLE   0 0 20,915
SCHWAB STRATEGIC TR INTRM TRM ETF 808524854 1,138 19,550 SH   SOLE   0 0 19,550
SCHWAB STRATEGIC TR SHT TM US ETF 808524862 1,037 20,185 SH   SOLE   0 0 20,185
Sherwin Williams Co COM 824348106 5,549 7,550 SH   SOLE   0 0 7,550
SPDR Dow Jones Industrial Aver ETF 78467X109 263 859 SH   SOLE   0 0 859
SPDR Trust (S&P 500) ETF 78462F103 13,894 37,162 SH   SOLE   0 0 37,162
The Southern Company COM 842587107 2,263 36,834 SH   SOLE   0 0 36,834
Vanguard Div Apprciation ETF 921908844 220 1,561 SH   SOLE   0 0 1,561
Vanguard Emerging Market ETF 922042858 590 11,767 SH   SOLE   0 0 11,767
Vanguard ESG Int'l ETF ETF 921910725 5,260 88,738 SH   SOLE   0 0 88,738
Vanguard ESG U.S. Stock ETF ETF 921910733 10,919 155,607 SH   SOLE   0 0 155,607
Vanguard Growth ETF 922908736 7,703 30,408 SH   SOLE   0 0 30,408
Vanguard Info Technology ETF 92204A702 248 700 SH   SOLE   0 0 700
Vanguard Interm Bond Index ETF ETF 921937819 20,207 217,632 SH   SOLE   0 0 217,632
Vanguard Intmdt-Term Trs ETF ETF 92206C706 833 12,000 SH   SOLE   0 0 12,000
Vanguard Reit ETF 922908553 3,332 39,228 SH   SOLE   0 0 39,228
Vanguard Russell 1000 ETF 92206C714 1,108 9,248 SH   SOLE   0 0 9,248
Vanguard Russell 3000 ETF ETF 92206C599 3,028 17,394 SH   SOLE   0 0 17,394
Vanguard S&P 500 Etf ETF 922908363 571 1,662 SH   SOLE   0 0 1,662
Vanguard Shrt Inf Prot ETF 922020805 573 11,219 SH   SOLE   0 0 11,219
Vanguard Small Cap Value ETF 922908611 479 3,367 SH   SOLE   0 0 3,367
Vanguard ST Bond Idx ETF ETF 921937827 44,206 533,242 SH   SOLE   0 0 533,242
Vanguard Total Bond ETF 921937835 2,394 27,149 SH   SOLE   0 0 27,149
Vanguard Total Internatl ETF 92203J407 335 5,726 SH   SOLE   0 0 5,726
Vanguard Total Intl Etf ETF 921909768 428 7,112 SH   SOLE   0 0 7,112
Vanguard Total Stock Mkt ETF 922908769 69,966 359,466 SH   SOLE   0 0 359,466
Vanguard Value ETF 922908744 5,456 45,866 SH   SOLE   0 0 45,866
Varian Medical Systems Inc ETF 92220P105 350 2,000 SH   SOLE   0 0 2,000
Verizon Communications COM 92343V104 425 7,229 SH   SOLE   0 0 7,229
Visa Inc Cl A COM 92826C839 392 1,792 SH   SOLE   0 0 1,792
Yum! Brands Inc COM 988498101 355 3,269 SH   SOLE   0 0 3,269
Zoetis Inc COM 98978V103 358 2,165 SH   SOLE   0 0 2,165