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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Sanofi Aventis ADR ADR 80105N105   6 125 SH   SOLE   125 0 0
3M Company COMMON 88579Y101   136 1,285 SH   SOLE   1,285 0 0
A F L A C Inc. COMMON 001055102   92 1,071 SH   SOLE   1,071 0 0
Abbott Laboratories COMMON 002824100   1,259 11,073 SH   SOLE   11,073 0 0
AbbVie Inc. COMMON 00287Y109   1,364 7,488 SH   SOLE   7,488 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107   45 15,980 SH   SOLE   15,980 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104   8 400 SH   SOLE   400 0 0
Accenture Ltd Cl A COMMON G1151C101   136 391 SH   SOLE   316 0 75
Adobe Systems Inc. COMMON 00724F101   92 183 SH   SOLE   183 0 0
Advanced Micro Devices COMMON 007903107   127 702 SH   SOLE   702 0 0
Aecom COMMON 00766T100   15 149 SH   SOLE   149 0 0
Air Products & Chemicals Inc. COMMON 009158106   887 3,661 SH   SOLE   3,661 0 0
Alerus Finl Corp COMMON 01446U103   7 300 SH   SOLE   300 0 0
Allegion Public Ltd Co COMMON G0176J109   27 200 SH   SOLE   200 0 0
Alliant Energy Corp COMMON 018802108   542 10,753 SH   SOLE   9,566 0 1,187
Allstate COMMON 020002101   356 2,060 SH   SOLE   2,060 0 0
Alphabet, Inc Cl C COMMON 02079K107   4,321 28,376 SH   SOLE   27,536 0 840
Alphabet, Inc. Cl A COMMON 02079K305   5,278 34,967 SH   SOLE   32,755 0 2,212
Altria Group Inc. COMMON 02209S103   7 150 SH   SOLE   150 0 0
Amazon.Com COMMON 023135106   5,361 29,723 SH   SOLE   28,183 0 1,540
America Movil L ADR ADR 02390A101   67 3,600 SH   SOLE   3,600 0 0
American Express Company COMMON 025816109   630 2,765 SH   SOLE   2,765 0 0
American Water Works Co COMMON 030420103   24 200 SH   SOLE   200 0 0
Ameriprise Financial Inc. COMMON 03076C106   190 433 SH   SOLE   433 0 0
Amgen Incorporated COMMON 031162100   437 1,537 SH   SOLE   1,537 0 0
Amkor Technology Inc COMMON 031652100   1,162 36,033 SH   SOLE   36,033 0 0
Anthem Inc COMMON 036752103   91 176 SH   SOLE   176 0 0
Apple Inc. COMMON 037833100   5,274 30,756 SH   SOLE   29,265 0 1,491
Applied Materials COMMON 038222105   175 850 SH   SOLE   850 0 0
AptarGroup, Inc COMMON 038336103   2,049 14,238 SH   SOLE   13,521 0 717
Archer-Daniels-Midland Inc. COMMON 039483102   158 2,513 SH   SOLE   2,513 0 0
ARK Next Generation Internet ETF ETF 00214Q401   8 98 SH   SOLE   98 0 0
Arrowhead Pharma Inc COMMON 04280A100   9 320 SH   SOLE   320 0 0
Astec Industries COMMON 046224101   182 4,163 SH   SOLE   2,763 0 1,400
AstraZeneca plc ADR ADR 046353108   1,015 14,983 SH   SOLE   14,853 0 130
AT&T Inc. COMMON 00206R102   260 14,751 SH   SOLE   14,225 0 526
Atmos Energy Corp COMMON 049560105   18 150 SH   SOLE   150 0 0
Auto Data Processing COMMON 053015103   416 1,664 SH   SOLE   1,664 0 0
AutoZone, Inc. COMMON 053332102   19 6 SH   SOLE   6 0 0
Avery Dennison COMMON 053611109   46 208 SH   SOLE   208 0 0
Bank of America Corp COMMON 060505104   90 2,378 SH   SOLE   2,378 0 0
Bank of New York Mellon COMMON 064058100   92 1,602 SH   SOLE   1,602 0 0
Baxter International COMMON 071813109   208 4,867 SH   SOLE   4,867 0 0
BCE Inc. COMMON 05534B760   44 1,281 SH   SOLE   1,281 0 0
Becton Dickinson & Co COMMON 075887109   726 2,934 SH   SOLE   2,934 0 0
Berkshire Hathaway Cl B COMMON 084670702   7,379 17,547 SH   SOLE   16,465 0 1,082
Biogen Idec Inc COMMON 09062X103   113 525 SH   SOLE   525 0 0
Blackrock Inc COMMON 09247X101   140 168 SH   SOLE   168 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100   16 1,300 SH   SOLE   1,300 0 0
Boeing Co. COMMON 097023105   3,454 17,900 SH   SOLE   16,748 0 1,152
Borg Warner Inc COMMON 099724106   323 9,300 SH   SOLE   9,120 0 180
BP plc ADR ADR 055622104   20 528 SH   SOLE   528 0 0
Bristol Myers COMMON 110122108   1,626 29,982 SH   SOLE   27,194 0 2,788
Broadcom Ltd COMMON 11135F101   78 59 SH   SOLE   59 0 0
Broadridge Finl Solution COMMON 11133T103   143 700 SH   SOLE   700 0 0
Brookfield Asset Management COMMON 113004105   73 1,748 SH   SOLE   1,748 0 0
Brookfield Corp COMMON 11271J107   291 6,951 SH   SOLE   6,951 0 0
Brookfield Renewable Corp Ordinary Shares - Class COMMON 11284V105   379 15,421 SH   SOLE   15,421 0 0
Cadence Design System COMMON 127387108   8 26 SH   SOLE   26 0 0
Cambria Cannabis ETF ETF 132061821   1 100 SH   SOLE   100 0 0
Camden National Corporation COMMON 133034108   35 1,035 SH   SOLE   1,035 0 0
Canadian Natl Ry Co COMMON 136375102   20 150 SH   SOLE   150 0 0
Canadian Pacific COMMON 13646K108   44 498 SH   SOLE   498 0 0
Capital One Financial COMMON 14040H105   100 670 SH   SOLE   670 0 0
Carrier Global Corp-Wi COMMON 14448C104   141 2,422 SH   SOLE   1,625 0 797
Caterpillar COMMON 149123101   3,221 8,790 SH   SOLE   8,382 0 408
CBRE Group Inc COMMON 12504L109   361 3,708 SH   SOLE   3,708 0 0
Cencora, Inc COMMON 03073E105   33 137 SH   SOLE   104 0 33
Charter Communications Inc COMMON 16119P108   72 248 SH   SOLE   248 0 0
Chemed Corp. COMMON 16359R103   2,089 3,255 SH   SOLE   3,255 0 0
Chemours Co LLC COMMON 163851108   5 185 SH   SOLE   185 0 0
Cheniere Energy Inc New COMMON 16411R208   19 120 SH   SOLE   120 0 0
Chevron Corp. COMMON 166764100   661 4,189 SH   SOLE   4,130 0 59
China Automotive Systems Inc COMMON 16936R105   59 16,664 SH   SOLE   16,664 0 0
Chubb Limited COMMON H1467J104   2,984 11,516 SH   SOLE   11,052 0 464
Cigna Corp COMMON 125523100   315 867 SH   SOLE   867 0 0
Cincinnati Financial Corp COMMON 172062101   48 390 SH   SOLE   390 0 0
Cintas Corp. COMMON 172908105   16 23 SH   SOLE   23 0 0
Cisco Systems, Inc. COMMON 17275R102   3,052 61,150 SH   SOLE   58,520 0 2,630
Citigroup COMMON 172967424   163 2,572 SH   SOLE   2,572 0 0
Clorox Company COMMON 189054109   15 100 SH   SOLE   100 0 0
CME Group Inc. COMMON 12572Q105   439 2,039 SH   SOLE   2,039 0 0
Coca-Cola Co COMMON 191216100   3,892 63,623 SH   SOLE   59,401 0 4,222
Colgate-Palmolive COMMON 194162103   596 6,619 SH   SOLE   6,619 0 0
Comcast Corp. COMMON 20030N101   269 6,209 SH   SOLE   6,209 0 0
Comerica Incorporated COMMON 200340107   110 2,000 SH   SOLE   2,000 0 0
Community Bank System COMMON 203607106   300 6,239 SH   SOLE   5,249 0 990
Conoco Phillips COMMON 20825C104   905 7,109 SH   SOLE   5,664 0 1,445
Consolidated Edison Inc. COMMON 209115104   89 985 SH   SOLE   985 0 0
Constellation Brand Cl Aclass A COMMON 21036P108   32 119 SH   SOLE   119 0 0
Constellation Energy Co. COMMON 21037T109   30 163 SH   SOLE   163 0 0
COPT Defense Properties COMMON 22002T108   8 343 SH   SOLE   343 0 0
Corning COMMON 219350105   4,727 143,413 SH   SOLE   137,261 0 6,152
Corteva Inc com COMMON 22052L104   49 843 SH   SOLE   843 0 0
Costco COMMON 22160K105   7,867 10,738 SH   SOLE   9,769 0 969
CrowdStrike Holdings, Inc. COMMON 22788C105   9 27 SH   SOLE   27 0 0
Crown Castle International Corp COMMON 22822V101   3 30 SH   SOLE   30 0 0
CSX Corp COMMON 126408103   343 9,240 SH   SOLE   9,240 0 0
CVS Corp COMMON 126650100   360 4,509 SH   SOLE   3,270 0 1,239
D R Horton Co. COMMON 23331A109   7 42 SH   SOLE   42 0 0
Danaher Corp COMMON 235851102   62 250 SH   SOLE   250 0 0
Deere & Company COMMON 244199105   1,011 2,462 SH   SOLE   2,462 0 0
Dell Inc. COMMON 24703L202   6 52 SH   SOLE   52 0 0
Deutsche Telekom AG ADR ADR 251566105   572 23,614 SH   SOLE   23,106 0 508
Devon Energy Corp COMMON 25179M103   53 1,051 SH   SOLE   1,051 0 0
DexCom, Inc. COMMON 252131107   7 54 SH   SOLE   54 0 0
Digital Realty Trust REIT REIT 253868103   194 1,348 SH   SOLE   1,348 0 0
Dominion Energy COMMON 25746U109   159 3,229 SH   SOLE   3,229 0 0
Dover Corporation COMMON 260003108   64 362 SH   SOLE   362 0 0
Dow In COMMON 260557103   145 2,505 SH   SOLE   2,505 0 0
Dr Reddys Labs ADR ADR 256135203   353 4,819 SH   SOLE   3,834 0 985
Duke Energy Corporation COMMON 26441C204   1,692 17,492 SH   SOLE   17,025 0 467
E Bay Inc. COMMON 278642103   25 475 SH   SOLE   275 0 200
E I DuPont COMMON 26614N102   1,939 25,293 SH   SOLE   24,015 0 1,278
East West Bancorp COMMON 27579R104   579 7,325 SH   SOLE   7,325 0 0
Eastman Chemical Co. COMMON 277432100   20 200 SH   SOLE   200 0 0
Eaton Corp. COMMON G29183103   695 2,224 SH   SOLE   2,224 0 0
Ecofin Global Water ESG COMMON 56167N753   0 9 SH   SOLE   9 0 0
Ecolab Inc. COMMON 278865100   51 222 SH   SOLE   222 0 0
Edison International COMMON 281020107   124 1,754 SH   SOLE   1,754 0 0
Edwards Lifesciences Corp COMMON 28176E108   5 51 SH   SOLE   51 0 0
Element Fleet Management Corp COMMON 286181201   63 3,900 SH   SOLE   1,150 0 2,750
Eli Lilly & Co. COMMON 532457108   2,645 3,400 SH   SOLE   3,400 0 0
Emerson Electric Co. COMMON 291011104   1,892 16,684 SH   SOLE   15,852 0 832
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889   77 2,449 SH   SOLE   2,394 0 55
Energy Transfer Equity LP COMMON 29273V100   31 1,952 SH   SOLE   1,952 0 0
Enterprise Products Prtn LP COMMON 293792107   155 5,307 SH   SOLE   5,307 0 0
Equifax Inc COMMON 294429105   106 397 SH   SOLE   397 0 0
Equity Residential Prop. REIT REIT 29476L107   197 3,127 SH   SOLE   1,530 0 1,597
Essential utilities ord COMMON 29670G102   116 3,142 SH   SOLE   3,142 0 0
Etho Climate Leader US ETF ETF 032108557   8 130 SH   SOLE   130 0 0
Eversource Energy COMMON 30040W108   20 328 SH   SOLE   328 0 0
Expeditors Int'l of Washington COMMON 302130109   44 365 SH   SOLE   365 0 0
Exxon Mobil Corporation COMMON 30231G102   2,488 21,404 SH   SOLE   19,394 0 2,010
Facebook Inc Class A COMMON 30303M102   211 435 SH   SOLE   435 0 0
Fedex Corporation COMMON 31428X106   1,385 4,780 SH   SOLE   4,780 0 0
Fidelity MSCI Health Care Index ETF ETF 316092600   50 711 SH   SOLE   0 0 711
Fidelity MSCI Utilities Index ETF ETF 316092865   26 613 SH   SOLE   0 0 613
First Solar Inc COMMON 336433107   2,001 11,854 SH   SOLE   10,294 0 1,560
First Trust Capital Strength ETF ETF 33733E104   2 21 SH   SOLE   21 0 0
First Trust Cloud Computing ETF ETF 33734X192   101 1,059 SH   SOLE   1,059 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846   96 1,710 SH   SOLE   1,710 0 0
Fiserv, Inc. COMMON 337738108   13 80 SH   SOLE   80 0 0
Fortinet Inc COMMON 34959E109   195 2,854 SH   SOLE   2,854 0 0
GE Healthcare COMMON 36266G107   88 967 SH   SOLE   835 0 132
Generac Holdings Inc COMMON 368736104   299 2,369 SH   SOLE   2,369 0 0
General Dynamics Corp. COMMON 369550108   14 50 SH   SOLE   50 0 0
General Electric Co. COMMON 369604301   704 4,010 SH   SOLE   3,614 0 396
General Mills, Inc. COMMON 370334104   136 1,937 SH   SOLE   1,937 0 0
Genuine Parts Co COMMON 372460105   39 250 SH   SOLE   250 0 0
Gilat Satellite Networks Ltd COMMON M51474118   23 4,150 SH   SOLE   4,150 0 0
Gilead Sciences Inc COMMON 375558103   162 2,216 SH   SOLE   2,216 0 0
Glaxo Smithkline ADR ADR 37733W204   25 576 SH   SOLE   576 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889   271 4,251 SH   SOLE   4,251 0 0
GlobalFoundries, Inc COMMON G39387108   3 65 SH   SOLE   65 0 0
Goldman Sachs Group Inc COMMON 38141G104   261 625 SH   SOLE   625 0 0
Guggenheim S&P Global Water Index ETF 46138E263   30 534 SH   SOLE   0 0 534
Halliburton Company COMMON 406216101   54 1,359 SH   SOLE   1,359 0 0
Hanesbrands Inc. COMMON 410345102   22 3,791 SH   SOLE   1,791 0 2,000
Hannon Armstrong Sus REIT REIT 41068X100   18 635 SH   SOLE   635 0 0
Healthpeak Properties Inc COMMON 42250P103   35 1,883 SH   SOLE   1,883 0 0
Hershey Foods Corp COMMON 427866108   178 916 SH   SOLE   916 0 0
Hess Corporation COMMON 42809H107   60 390 SH   SOLE   390 0 0
Hitachi Ltd COMMON 433578507   11 62 SH   SOLE   62 0 0
Home Depot COMMON 437076102   773 2,016 SH   SOLE   2,016 0 0
Honeywell International COMMON 438516106   3,158 15,387 SH   SOLE   14,776 0 611
Hormel Foods Corp COMMON 440452100   22 640 SH   SOLE   640 0 0
HSBC Holdings PLC ADR ADR 404280406   32 809 SH   SOLE   809 0 0
Humana COMMON 444859102   394 1,135 SH   SOLE   1,135 0 0
IBM Corp. COMMON 459200101   4,617 24,180 SH   SOLE   21,803 0 2,377
Illinois Tool Works COMMON 452308109   257 958 SH   SOLE   958 0 0
Imperial Oil Ltd COMMON 453038408   225 3,259 SH   SOLE   3,259 0 0
India Fund COMMON 454089103   14 695 SH   SOLE   695 0 0
Ingersoll Rand Inc COMMON 45687V106   43 454 SH   SOLE   454 0 0
Ingredion Incorporated COMMON 457187102   2,846 24,358 SH   SOLE   23,657 0 701
Integer Holdings Corp COMMON 45826H109   845 7,238 SH   SOLE   6,963 0 275
Intel Corp. COMMON 458140100   701 15,870 SH   SOLE   14,935 0 935
Intercontinental Exchange, Inc. COMMON 45866F104   11 82 SH   SOLE   82 0 0
InterContinental Hotels Group PLC COMMON 45857P806   4 38 SH   SOLE   38 0 0
International Flavors & Fragrances Inc COMMON 459506101   2,841 33,038 SH   SOLE   31,362 0 1,676
Intuit COMMON 461202103   28 43 SH   SOLE   43 0 0
Intuitive Surgical COMMON 46120E602   20 50 SH   SOLE   50 0 0
Invesco Cleantech ETF ETF 46137V407   6 140 SH   SOLE   140 0 0
Invesco Global Water ETF ETF 46138E651   76 1,764 SH   SOLE   1,764 0 0
Invesco Large Cap Growth ETF ETF 46137V746   2 22 SH   SOLE   22 0 0
Invesco Large Cap Value ETF ETF 46137V738   3 47 SH   SOLE   47 0 0
Iqvia Hldgs Inc COMMON 46266C105   9 36 SH   SOLE   36 0 0
Iron Mountain Inc REIT REIT 46284V101   38 475 SH   SOLE   0 0 475
Ishares 20 Yr Treas. Barclays ETF ETF 464287432   33 351 SH   SOLE   351 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638   123 2,377 SH   SOLE   2,375 0 2
iShares Core Dividend Growth ETF ETF 46434V621   473 8,148 SH   SOLE   8,148 0 0
iShares Core International Bond ETF ETF 46435G672   77 1,537 SH   SOLE   1,537 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   27 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103   378 7,332 SH   SOLE   4,533 0 2,799
iShares DJ US Financial ETF ETF 464287788   106 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF EF 464287762   147 2,370 SH   SOLE   2,370 0 0
iShares ESG Advanced Bond Market ETF ETF 46436E619   55 1,283 SH   SOLE   1,283 0 0
iShares ESG Advanced MSCI EAFE Index ETF ETF 46436E759   28 417 SH   SOLE   417 0 0
iShares ESG Advanced MSCI USA ETF ETF 46436E767   43 960 SH   SOLE   960 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516   319 3,995 SH   SOLE   3,995 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515   217 2,540 SH   SOLE   2,540 0 0
iShares Global Clean Energy ETF 464288224   156 11,153 SH   SOLE   11,153 0 0
Ishares Gold ETF ETF 464285204   693 16,491 SH   SOLE   13,927 0 2,564
iShares Lehman Agg Bond Fd ETF ETF 464287226   407 4,156 SH   SOLE   4,156 0 0
iShares MSCI EAFE ETF ETF 464287465   268 3,360 SH   SOLE   3,360 0 0
iShares MSCI Emerging Market ETF ETF 464287234   19 453 SH   SOLE   0 0 453
iShares MSCI Global Gold Miners ETF ETF 46434G855   55 2,183 SH   SOLE   0 0 2,183
iShares MSCI KLD 400 Social ETF ETF 464288570   6 55 SH   SOLE   55 0 0
iShares MSCI Taiwan Index ETF ETF 46434G772   69 1,425 SH   SOLE   0 0 1,425
iShares NASDAQ Biotech ETF ETF 464287556   544 3,966 SH   SOLE   3,565 0 401
iShares Russell 1000 Growth ETF ETF 464287614   77 227 SH   SOLE   227 0 0
iShares Russell 1000 Val ETF ETF 464287598   4,851 27,086 SH   SOLE   27,086 0 0
iShares Russell 2000 Growth ETF ETF 464287648   15 54 SH   SOLE   54 0 0
Ishares Russell 2000 Value ETF ETF 464287630   24 151 SH   SOLE   151 0 0
iShares Russell Midcap Grth ETF ETF 464287481   72 628 SH   SOLE   628 0 0
iShares S&P 500 Index ETF ETF 464287200   568 1,081 SH   SOLE   1,058 0 23
iShares S&P Midcap 400 Index ETF ETF 464287507   265 4,370 SH   SOLE   3,515 0 855
iShares S&P Mid-Cap Grow ETF ETF 464287606   36 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804   352 3,186 SH   SOLE   2,258 0 928
iShares Select Dividend Idx ETF ETF 464287168   115 932 SH   SOLE   932 0 0
iShares TIPS Bond ETF ETF 464287176   349 3,250 SH   SOLE   3,250 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721   121 896 SH   SOLE   896 0 0
iShares U.S. Healthcare Providers ETF ETF 464288828   4 65 SH   SOLE   65 0 0
iShares U.S. Medical Devices ETF ETF 464288810   8 138 SH   SOLE   138 0 0
Jacobs Engineering Group Inc COMMON 46982L108   47 303 SH   SOLE   303 0 0
Johnson & Johnson COMMON 478160104   2,093 13,229 SH   SOLE   12,430 0 799
Johnson Controls Inc. COMMON G51502105   29 450 SH   SOLE   450 0 0
JP Morgan Chase & Co COMMON 46625H100   3,571 17,827 SH   SOLE   16,595 0 1,232
JPMorgan Ultra-Short Income ETF ETF 46641Q837   44 881 SH   SOLE   881 0 0
Kenvue Inc. COMMON 49177J102   110 5,120 SH   SOLE   5,120 0 0
Kilroy Realty Corp REIT REIT 49427F108   2,585 70,969 SH   SOLE   68,165 0 2,804
Kimberly-Clark Corp. COMMON 494368103   288 2,229 SH   SOLE   2,229 0 0
KLA-Tencor Corporation COMMON 482480100   110 157 SH   SOLE   157 0 0
Kon Philips Electric NV COMMON 500472303   45 2,250 SH   SOLE   2,250 0 0
Koninklijke Ahold Delhaize NV COMMON 500467501   36 1,200 SH   SOLE   1,200 0 0
Kraft Heinz Company COMMON 500754106   404 10,944 SH   SOLE   10,861 0 83
Laboratory Corp of America Hlds COMMON 50540R409   146 670 SH   SOLE   439 0 231
Linde plc COMMON G54950103   62 133 SH   SOLE   133 0 0
Lockheed Martin COMMON 539830109   66 146 SH   SOLE   146 0 0
Loews Corp COMMON 540424108   182 2,321 SH   SOLE   2,321 0 0
Lowes Companies Inc. COMMON 548661107   314 1,234 SH   SOLE   1,234 0 0
Lululemon Athletica Inc COMMON 550021109   10 25 SH   SOLE   25 0 0
LVMH COMMON 502441306   8 42 SH   SOLE   42 0 0
M K S Instruments Inc. COMMON 55306N104   836 6,289 SH   SOLE   6,289 0 0
M&T Bank Corp COMMON 55261F104   846 5,815 SH   SOLE   5,682 0 133
Marathon Petroleum Corp COMMON 56585A102   516 2,559 SH   SOLE   2,559 0 0
Marriott Int'l Inc. Cl A COMMON 571903202   8 31 SH   SOLE   31 0 0
Marsh & McLennan Co's COMMON 571748102   90 437 SH   SOLE   437 0 0
Mastercard Inc COMMON 57636Q104   287 595 SH   SOLE   595 0 0
McDonald's Corp COMMON 580135101   835 2,963 SH   SOLE   2,963 0 0
McKesson Corp. COMMON 58155Q103   2,252 4,195 SH   SOLE   3,997 0 198
Medtronic Inc. COMMON G5960L103   4,014 46,064 SH   SOLE   44,069 0 1,995
Merck COMMON 58933Y105   7,081 53,667 SH   SOLE   52,044 0 1,623
Microsoft COMMON 594918104   16,951 40,290 SH   SOLE   38,549 0 1,741
Middlesex Water Co COMMON 596680108   16 300 SH   SOLE   300 0 0
Mitsubishi UFJ Financial Group Inc. COMMON 606822104   9 924 SH   SOLE   924 0 0
Mondelez Int'l Inc. COMMON 609207105   718 10,252 SH   SOLE   10,085 0 167
Morgan Stanley Dean Witter COMMON 617446448   97 1,025 SH   SOLE   1,025 0 0
Motorola Solutions Inc COMMON 620076307   189 533 SH   SOLE   533 0 0
MSCI Inc COMMON 55354G100   11 20 SH   SOLE   20 0 0
Nasdaq Omx Group Inc COMMON 631103108   3 48 SH   SOLE   48 0 0
National Fuel Gas COMMON 636180101   5 100 SH   SOLE   100 0 0
National Grid Plc ADR ADR 636274409   84 1,231 SH   SOLE   1,231 0 0
NCR Atleos Corp COMMON 63001N106   102 5,187 SH   SOLE   3,837 0 1,350
NCR Voyix Corporation COMMON 62886E108   84 6,675 SH   SOLE   6,675 0 0
Nestle S A ADR ADR 641069406   7 68 SH   SOLE   68 0 0
Netflix Inc. COMMON 64110L106   74 122 SH   SOLE   122 0 0
Nextera Energy COMMON 65339F101   274 4,288 SH   SOLE   4,288 0 0
Nike, Inc. COMMON 654106103   68 726 SH   SOLE   726 0 0
Nisource Inc. COMMON 65473P105   2,431 87,899 SH   SOLE   82,182 0 5,717
Norfolk Southern COMMON 655844108   399 1,567 SH   SOLE   1,567 0 0
Northrop Grumman Corp COMMON 666807102   51 107 SH   SOLE   107 0 0
NortonLifeLock Inc COMMON 668771108   312 13,944 SH   SOLE   13,944 0 0
Novartis Ag ADR ADR 66987V109   72 740 SH   SOLE   740 0 0
Novo-Nordisk ADR ADR 670100205   10 76 SH   SOLE   76 0 0
Nucor Corp COMMON 670346105   19 98 SH   SOLE   98 0 0
Nutrien Ltd COMMON 67077M108   36 672 SH   SOLE   672 0 0
Nuveen AMT-Free Municipal Income Fund ETF 670657105   6 500 SH   SOLE   500 0 0
Nvidia Corp COMMON 67066G104   542 600 SH   SOLE   600 0 0
Occidental Petroleum Corp. COMMON 674599105   11 175 SH   SOLE   175 0 0
Oneok Inc New COMMON 682680103   573 7,143 SH   SOLE   7,143 0 0
Oracle COMMON 68389X105   116 921 SH   SOLE   921 0 0
Organon & Co COMMON 68622V106   2 124 SH   SOLE   124 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107   94 947 SH   SOLE   812 0 135
P P G Industries Inc. COMMON 693506107   229 1,583 SH   SOLE   1,583 0 0
Palo Alto Networks COMMON 697435105   144 508 SH   SOLE   508 0 0
Parker Hannifin Corp COMMON 701094104   317 570 SH   SOLE   515 0 55
Paychex Inc. COMMON 704326107   38 313 SH   SOLE   313 0 0
Paypal Holdings COMMON 70450Y103   46 680 SH   SOLE   480 0 200
Pepsico, Inc. COMMON 713448108   885 5,056 SH   SOLE   5,033 0 23
Pfizer Inc. COMMON 717081103   3,660 131,900 SH   SOLE   123,368 0 8,532
Philip Morris Intl Inc COMMON 718172109   14 150 SH   SOLE   150 0 0
Phillips 66 SHS COMMON 718546104   614 3,761 SH   SOLE   3,122 0 639
PIMCO Intermediate Muni Bond ETF ETF 72201R866   2,449 46,669 SH   SOLE   34,721 0 11,948
PNC Financial Services Group Inc. COMMON 693475105   224 1,384 SH   SOLE   1,384 0 0
Powershares FTSE RAFI ETF ETF 46137V613   129 3,346 SH   SOLE   3,346 0 0
Powershares Global Water Fund ETF ETF 46137V142   8 120 SH   SOLE   120 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103   8 18 SH   SOLE   18 0 0
Procter & Gamble COMMON 742718109   2,220 13,681 SH   SOLE   13,551 0 130
Progressive Corp COMMON 743315103   134 647 SH   SOLE   647 0 0
Prologis Reit REIT 74340W103   60 458 SH   SOLE   458 0 0
Public Storage, Inc. COMMON 74460D109   98 339 SH   SOLE   339 0 0
Public Sv Enterprise COMMON 744573106   169 2,528 SH   SOLE   2,528 0 0
Qorvo Inc COMMON 74736K101   1,374 11,963 SH   SOLE   11,613 0 350
Qualcomm Inc. COMMON 747525103   7 43 SH   SOLE   43 0 0
Quanta Services Inc COMMON 74762E102   129 496 SH   SOLE   496 0 0
Quest Diagnostic Inc COMMON 74834L100   13 100 SH   SOLE   100 0 0
Ranpack Holdings COMMON 75321W103   113 14,369 SH   SOLE   14,369 0 0
Raytheon Technologies Ord COMMON 75513E101   369 3,781 SH   SOLE   2,984 0 797
Regeneron Pharmaceuticals Inc COMMON 75886F107   29 30 SH   SOLE   30 0 0
Relx Plc American Depositary Shares COMMON 759530108   14 316 SH   SOLE   316 0 0
Republic Services Inc COMMON 760759100   122 635 SH   SOLE   635 0 0
Rockwell Automation COMMON 773903109   205 705 SH   SOLE   705 0 0
Roper Industries Inc COMMON 776696106   3,468 6,184 SH   SOLE   5,842 0 342
Ryanair Hldgs Plc COMMON 783513203   3 23 SH   SOLE   23 0 0
Rydex S&P 500 Eq Wgt ETF ETF 46137V357   25 145 SH   SOLE   145 0 0
S & P Global Inc COMMON 78409V104   11 25 SH   SOLE   25 0 0
Salesforce Com COMMON 79466L302   183 606 SH   SOLE   606 0 0
Samsara Inc. COMMON 79589L106   721 19,066 SH   SOLE   18,069 0 997
SAP SE ADR ADR 803054204   3 14 SH   SOLE   14 0 0
Schlumberger Limited COMMON 806857108   3,197 58,321 SH   SOLE   54,949 0 3,372
Schwab Emerging Mkt ETF ETF 808524706   0 1 SH   SOLE   0 0 1
Schwab Intermediate US Treasury ETF ETF 808524854   79 1,605 SH   SOLE   1,605 0 0
Schwab Int'l Equity ETF ETF 808524805   12,944 331,737 SH   SOLE   329,939 0 1,798
Schwab Large Cap Value Indx ETF ETF 808524409   106 1,390 SH   SOLE   1,390 0 0
Schwab U.S. Broad Market ETF ETF 808524102   117,289 1,921,202 SH   SOLE   1,807,382 0 113,820
Schwab U.S. Tips ETF ETF 808524870   70 1,346 SH   SOLE   0 0 1,346
Schwab US Div Equity ETF ETF 808524797   97 1,204 SH   SOLE   0 0 1,204
Schwab US Large-Cap ETF ETF 808524201   5 80 SH   SOLE   80 0 0
Schwab US Mid-Cap ETF ETF 808524508   1 18 SH   SOLE   18 0 0
Schwab US Small-Cap ETF ETF 808524607   6 119 SH   SOLE   119 0 0
Seagate Technology PLC COMMON G7997R103   4,445 47,765 SH   SOLE   44,984 0 2,781
Sector Spdr Fincl Select ETF 81369Y605   88 2,088 SH   SOLE   2,088 0 0
Sector SPDR Health Fd Shares ETF 81369Y209   2 15 SH   SOLE   15 0 0
Sector SPDR Tech Select Shares ETF 81369Y803   444 2,133 SH   SOLE   2,133 0 0
Sempra Energy COMMON 816851109   20 282 SH   SOLE   282 0 0
Sensata Technologies Holding PLC COMMON G8060N102   468 12,733 SH   SOLE   12,733 0 0
ServiceNow Inc COMMON 81762P102   396 519 SH   SOLE   519 0 0
Shell plc COMMON 780259305   410 6,111 SH   SOLE   5,850 0 261
Sherwin Williams COMMON 824348106   9 27 SH   SOLE   27 0 0
SJW Group COMMON 784305104   11 200 SH   SOLE   200 0 0
SK Telecom Ltd ADR ADR 78440P306   8 364 SH   SOLE   0 0 364
Skyworks Solutions Inc. COMMON 83088M102   43 397 SH   SOLE   397 0 0
Snap Inc COMMON 83304A106   2 200 SH   SOLE   200 0 0
Sonoco Products COMMON 835495102   184 3,185 SH   SOLE   2,085 0 1,100
Sony Group Corp COMMON 835699307   1,286 14,999 SH   SOLE   14,999 0 0
Southern Company COMMON 842587107   320 4,461 SH   SOLE   3,604 0 857
SPDR Consumer Disc Select ETF ETF 81369Y407   56 302 SH   SOLE   302 0 0
SPDR Gold Trust ETF ETF 78463V107   2,048 9,957 SH   SOLE   9,957 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100   29 312 SH   SOLE   312 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106   25 607 SH   SOLE   607 0 0
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205   8 240 SH   SOLE   240 0 0
SPDR Nuveen Barclays Muni Bd ETF ETF 78468R721   254 5,457 SH   SOLE   0 0 5,457
SPDR Portfolio Term Treasury ETF ETF 78464A672   5 168 SH   SOLE   168 0 0
SPDR S&P 400 Mid Cap Growth ETF ETF 78464A821   1 15 SH   SOLE   15 0 0
SPDR S&P 500 ETF ETF 78462F103   1,593 3,046 SH   SOLE   2,132 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796   1,003 23,440 SH   SOLE   23,440 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300   70 844 SH   SOLE   844 0 0
SPDR S&P Biotech ETF ETF 78464A870   845 8,909 SH   SOLE   8,509 0 400
SPDR S&P Dividend ETF ETF 78464A763   167 1,276 SH   SOLE   1,276 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107   264 475 SH   SOLE   275 0 200
SPDR Utility Select Sec ETF ETF 81369Y886   10 150 SH   SOLE   150 0 0
SPDR Portfolio Developed Wld ex-US ETF ETF 78463X889   2 69 SH   SOLE   69 0 0
SPDR Portfolio Emerging Markets ETF ETF 78463X509   0 11 SH   SOLE   11 0 0
SPDR Portfolio S&P 500 Growth ETF ETF 78464A409   3 35 SH   SOLE   35 0 0
SPDR Portfolio S&P 500 Value ETF ETF 78464A508   3 51 SH   SOLE   51 0 0
SPDR S&P 400 Mid Cap Value ETF ETF 78464A839   1 19 SH   SOLE   19 0 0
SPDR S&P 600 Small Cap Growth ETF ETF 78464A201   0 4 SH   SOLE   4 0 0
Standex Int'l Corp. COMMON 854231107   78 426 SH   SOLE   426 0 0
Starbucks COMMON 855244109   1,145 12,525 SH   SOLE   12,307 0 218
Steris Corp. COMMON G8473T100   260 1,157 SH   SOLE   1,157 0 0
Stryker Corp. COMMON 863667101   134 375 SH   SOLE   230 0 145
Suncor Energy Inc. COMMON 867224107   12 324 SH   SOLE   324 0 0
Symbotic Inc. COMMON 87151X101   23 500 SH   SOLE   500 0 0
Synchrony Financial COMMON 87165B103   199 4,622 SH   SOLE   4,622 0 0
Sysco Corp. COMMON 871829107   135 1,658 SH   SOLE   1,658 0 0
Taiwan Semiconductor ADR ADR 874039100   11,965 87,948 SH   SOLE   83,096 0 4,852
Takeda Pharmaceutical Co Ltd COMMON 874060205   14 1,000 SH   SOLE   1,000 0 0
Target Corp. COMMON 87612E106   73 410 SH   SOLE   410 0 0
TELUS Corp COMMON 87971M103   25 1,560 SH   SOLE   1,560 0 0
Teradata Corp COMMON 88076W103   19 487 SH   SOLE   487 0 0
Tesla Motors COMMON 88160R101   5 30 SH   SOLE   30 0 0
Texas Instruments Inc. COMMON 882508104   337 1,932 SH   SOLE   1,932 0 0
The Charles Schwab Corp. COMMON 808513105   9,219 127,441 SH   SOLE   119,339 0 8,102
The Travelers Companies Inc. COMMON 89417E109   1,023 4,447 SH   SOLE   4,447 0 0
Thermo Fisher Scientific COMMON 883556102   512 881 SH   SOLE   881 0 0
Thomson Reuters Corp COMMON 884903808   192 1,234 SH   SOLE   1,077 0 157
Thor Industries Inc COMMON 885160101   509 4,336 SH   SOLE   4,266 0 70
TJX Companies Inc COMMON 872540109   27 270 SH   SOLE   100 0 170
Toronto-Dominion Bank COMMON 891160509   473 7,841 SH   SOLE   5,348 0 2,493
Toto Ltd. COMMON 891515207   11 385 SH   SOLE   385 0 0
TPI Composites Inc COMMON 87266J104   1 268 SH   SOLE   268 0 0
Trane Technologies PLC COMMON G8994E103   490 1,632 SH   SOLE   1,632 0 0
Truist Finl Corp Com COMMON 89832Q109   27 683 SH   SOLE   683 0 0
U.S. Bancorp COMMON 902973304   47 1,050 SH   SOLE   1,050 0 0
UBS Group AG COMMON H42097107   13 432 SH   SOLE   432 0 0
UDR Inc COMMON 902653104   34 918 SH   SOLE   918 0 0
Unilever PLC ADR ADR 904767704   872 17,375 SH   SOLE   17,375 0 0
Union Pacific COMMON 907818108   304 1,236 SH   SOLE   1,236 0 0
United Continental Holdings Inc COMMON 910047109   9 183 SH   SOLE   183 0 0
United Parcel Service COMMON 911312106   21 138 SH   SOLE   138 0 0
Unitedhealth Group Inc. COMMON 91324P102   205 414 SH   SOLE   414 0 0
Unum Provident Corp. COMMON 91529Y106   191 3,559 SH   SOLE   3,559 0 0
V F Corp. COMMON 918204108   336 21,934 SH   SOLE   21,934 0 0
Valero Energy COMMON 91913Y100   2,732 16,006 SH   SOLE   14,787 0 1,219
Vaneck Vectors Gold Miners ETF ETF 92189F106   1,380 43,639 SH   SOLE   43,571 0 68
Vangard Russell 2000 ETF ETF 92206C664   33 386 SH   SOLE   386 0 0
Vanguard 500 ETF ETF 922908363   1,584 3,295 SH   SOLE   184 0 3,111
Vanguard Developed Market ETF ETF 921943858   35,411 705,820 SH   SOLE   635,753 0 70,067
Vanguard Div Appreciation ETF ETF 921908844   575 3,148 SH   SOLE   1,621 0 1,527
Vanguard Emerging Market ETF ETF 922042858   18,951 453,704 SH   SOLE   422,151 0 31,553
Vanguard ESG International Stock ETF ETF 921910725   13,058 227,218 SH   SOLE   202,798 0 24,420
Vanguard ESG US Corporate Bond ETF ETF 921910691   7,424 118,316 SH   SOLE   104,687 0 13,629
Vanguard ESG US Stock ETF ETF 921910733   19,041 204,325 SH   SOLE   182,134 0 22,191
Vanguard Financials ETF ETF 92204A405   54 526 SH   SOLE   526 0 0
Vanguard FTSE All World ex US ETF ETF 922042775   11 190 SH   SOLE   190 0 0
Vanguard Growth ETF ETF 922908736   1,667 4,842 SH   SOLE   865 0 3,977
Vanguard Health Care ETF ETF 92204A504   304 1,123 SH   SOLE   1,123 0 0
Vanguard High Dividend Yd ETF ETF 921946406   192 1,588 SH   SOLE   1,417 0 171
Vanguard Info Technology ETF ETF 92204A702   102 194 SH   SOLE   55 0 139
Vanguard Intermediate Corporate ETF ETF 92206C870   29,968 372,226 SH   SOLE   317,810 0 54,416
Vanguard Intermediate Treasury ETF ETF 92206C706   38,802 662,719 SH   SOLE   662,719 0 0
Vanguard Large-Cap ETF ETF 922908637   10 43 SH   SOLE   0 0 43
Vanguard Mid Cap ETF ETF 922908629   47 188 SH   SOLE   161 0 27
Vanguard Mid Cap Value ETF ETF 922908512   64 413 SH   SOLE   413 0 0
Vanguard Muni Bond ETF ETF 922907746   4,522 893,667 SH   SOLE   876,048 0 17,619
Vanguard REIT ETF ETF 922908553   119 1,374 SH   SOLE   1,374 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844   137 1,504 SH   SOLE   1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869   102 902 SH   SOLE   902 0 0
Vanguard Short-Term Bond ETF ETF 921937827   630 8,220 SH   SOLE   8,069 0 151
Vanguard Short-Term Treasury ETF ETF 92206C102   371 6,386 SH   SOLE   6,386 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805   298 6,221 SH   SOLE   594 0 5,627
Vanguard Small Cap ETF ETF 922908751   33 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595   68 261 SH   SOLE   261 0 0
Vanguard Total Int'l Bond Market ETF ETF 92203J407   507 10,297 SH   SOLE   10,297 0 0
Vanguard Total Stk Mkt ETF ETF 922908769   3,784 14,560 SH   SOLE   14,560 0 0
Vanguard Total U.S. Bond Market ETF ETF 921937835   913 12,575 SH   SOLE   12,221 0 354
Vanguard Total World Stock ETF ETF 922042742   294 2,659 SH   SOLE   2,509 0 150
Vanguard Ultra-Short Bond ETF ETF 92203C303   2 34 SH   SOLE   34 0 0
Vanguard Utilities Index Fund ETF 92204A876   15 108 SH   SOLE   108 0 0
Vanguard Value Index ETF ETF 922908744   283 1,737 SH   SOLE   1,692 0 45
Veeva Systems Inc COMMON 922475108   6 28 SH   SOLE   28 0 0
Ventas REIT Inc REIT 92276F100   119 2,727 SH   SOLE   2,727 0 0
VERALTO ORD WI COMMON 92338C103   2 21 SH   SOLE   21 0 0
Verisk Analytics Inc Cla COMMON 92345Y106   6 26 SH   SOLE   26 0 0
Verizon Communications Inc. COMMON 92343V104   1,358 32,373 SH   SOLE   31,449 0 924
Vertex Pharmaceuticals COMMON 92532F100   29 70 SH   SOLE   70 0 0
Vestas Wind Systems ADR ADR 925458101   31 3,395 SH   SOLE   3,395 0 0
Viasat Inc COMMON 92552V100   94 5,216 SH   SOLE   4,673 0 543
Visa Inc COMMON 92826C839   5,529 19,813 SH   SOLE   19,033 0 780
Vistra Energy Corp COMMON 92840M102   139 1,993 SH   SOLE   1,993 0 0
Volkswagen AG COMMON 928662600   1 86 SH   SOLE   86 0 0
Wal-Mart Stores COMMON 931142103   784 13,032 SH   SOLE   13,032 0 0
Walt Disney Hldg COMMON 254687106   5,589 45,674 SH   SOLE   43,539 0 2,135
Waste Management Inc COMMON 94106L109   43 203 SH   SOLE   203 0 0
Watts Water Technologies COMMON 942749102   122 573 SH   SOLE   70 0 503
WEC Energy Group COMMON 92939U106   324 3,947 SH   SOLE   3,947 0 0
Wells Fargo & Co COMMON 949746101   24 406 SH   SOLE   406 0 0
Welltower Inc REIT REIT 95040Q104   140 1,500 SH   SOLE   1,500 0 0
Weyerhaeuser Company COMMON 962166104   711 19,811 SH   SOLE   18,308 0 1,503
Whirlpool COMMON 963320106   174 1,457 SH   SOLE   1,257 0 200
WisdomTree Emerg Mk SmCap ETF ETF 97717W281   106 2,077 SH   SOLE   2,077 0 0
WisdomTree India Earnings ETF ETF 97717W422   116 2,665 SH   SOLE   2,665 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836   48 620 SH   SOLE   620 0 0
WisdomTree U.S. Quality Div. Growth ETF ETF 97717X669   2 22 SH   SOLE   22 0 0
WPP COMMON 92937A102   1,123 23,698 SH   SOLE   23,438 0 260
Wyndham Hotels & Resorts Inc COMMON 98311A105   35 452 SH   SOLE   452 0 0
Xcel Energy Inc. COMMON 98389B100   78 1,459 SH   SOLE   1,459 0 0
Xylem Inc COMMON 98419M100   945 7,313 SH   SOLE   6,913 0 400
Yum China Hldgs Inc Com COMMON 98850P109   2,191 55,064 SH   SOLE   52,972 0 2,092
Yum! Brands, Inc. COMMON 988498101   69 499 SH   SOLE   499 0 0
Zoetis Inc COMMON 98978V103   30 179 SH   SOLE   179 0 0