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
3M Company COMMON STOCK 88579Y101 196 1,223 SH   SOLE   0 0 1,223
Abbott Laboratories COMMON STOCK 002824100 22,821 209,697 SH   SOLE   0 0 209,697
Abbvie Inc Com COMMON STOCK 00287Y109 1,068 12,193 SH   SOLE   0 0 12,193
Adobe Systems Inc COMMON STOCK 00724F101 9,149 18,655 SH   SOLE   0 0 18,655
Advanced Micro Devices Inc COMMON STOCK 007903107 13,942 170,043 SH   SOLE   0 0 170,043
Air Products & Chemicals COMMON STOCK 009158106 2,736 9,186 SH   SOLE   0 0 9,186
Alphabet Inc. Class A Common S COMMON STOCK 02079K305 193 132 SH   SOLE   0 0 132
Alphabet Inc. Class C Capital COMMON STOCK 02079K107 20,784 14,143 SH   SOLE   0 0 14,143
Altria Group Inc COMMON STOCK 02209S103 171 4,430 SH   SOLE   0 0 4,430
Amazon Com Inc COMMON STOCK 023135106 16,328 5,186 SH   SOLE   0 0 5,186
American Waterworks Co Inc COMMON STOCK 030420103 51 350 SH   SOLE   0 0 350
Apple Inc Com COMMON STOCK 037833100 56,236 485,591 SH   SOLE   0 0 485,591
Applied Materials COMMON STOCK 038222105 5,885 98,982 SH   SOLE   0 0 98,982
AT&T Inc COMMON STOCK 00206R102 6,558 230,041 SH   SOLE   0 0 230,041
Autodesk Inc COMMON STOCK 052769106 69 300 SH   SOLE   0 0 300
Autozone Inc COMMON STOCK 053332102 4,337 3,683 SH   SOLE   0 0 3,683
Bank of America Corp COMMON STOCK 060505104 6,577 273,030 SH   SOLE   0 0 273,030
Becton Dickinson COMMON STOCK 075887109 11,641 50,028 SH   SOLE   0 0 50,028
Berkshire Hathaway Inc A COMMON STOCK 084670108 1,920 6 SH   SOLE   0 0 6
Berkshire Hathaway Inc Del Cl COMMON STOCK 084670702 1,374 6,453 SH   SOLE   0 0 6,453
Boeing Company COMMON STOCK 097023105 441 2,667 SH   SOLE   0 0 2,667
BP Plc Spons ADR COMMON STOCK 055622104 48 2,748 SH   SOLE   0 0 2,748
Broadcom Ltd COMMON STOCK 11135F101 5,231 14,358 SH   SOLE   0 0 14,358
Canadian National Railroad COMMON STOCK 136375102 90 850 SH   SOLE   0 0 850
Canopy Growth Corp COMMON STOCK 138035100 46 3,179 SH   SOLE   0 0 3,179
Cisco Systems Inc. COMMON STOCK 17275R102 66 1,685 SH   SOLE   0 0 1,685
Cloudflare Inc COMMON STOCK 18915M107 4,098 99,811 SH   SOLE   0 0 99,811
Coca Cola Company COMMON STOCK 191216100 2,696 54,603 SH   SOLE   0 0 54,603
Communication Services Sel Sec ETF 81369Y852 6,806 114,578 SH   SOLE   0 0 114,578
ConocoPhillips COMMON STOCK 20825C104 88 2,669 SH   SOLE   0 0 2,669
Constellation Brands Inc Cl A COMMON STOCK 21036P108 110 580 SH   SOLE   0 0 580
Corteva Inc com COMMON STOCK 22052L104 2,574 89,341 SH   SOLE   0 0 89,341
Costco Wholesale Corp COMMON STOCK 22160K105 237 667 SH   SOLE   0 0 667
Cree Inc COMMON STOCK 225447101 319 5,000 SH   SOLE   0 0 5,000
CrowdStrike Holdings Inc COMMON STOCK 22788C105 8,729 63,570 SH   SOLE   0 0 63,570
Danaher Corp. Del COMMON STOCK 235851102 139 645 SH   SOLE   0 0 645
Dollar Tree Inc COMMON STOCK 256746108 2,275 24,911 SH   SOLE   0 0 24,911
Dominion Resources Inc Va COMMON STOCK 25746U109 46 584 SH   SOLE   0 0 584
Duke Energy Corp New Com New COMMON STOCK 26441C204 120 1,353 SH   SOLE   0 0 1,353
Ebay Inc COMMON STOCK 278642103 13,805 264,968 SH   SOLE   0 0 264,968
Eli Lilly & Co. COMMON STOCK 532457108 8,394 56,709 SH   SOLE   0 0 56,709
Exelon Corp COMMON STOCK 30161N101 47 1,319 SH   SOLE   0 0 1,319
Exxon Mobil Corp Com COMMON STOCK 30231G102 173 5,040 SH   SOLE   0 0 5,040
Facebook Inc Cl A COMMON STOCK 30303M102 26,537 101,326 SH   SOLE   0 0 101,326
Fiserv Inc COMMON STOCK 337738108 13,487 130,874 SH   SOLE   0 0 130,874
Focus Financial Partners Inc COMMON STOCK 34417P100 1,741 53,097 SH   SOLE   0 0 53,097
Gallagher Arthur J & Co COMMON STOCK 363576109 243 2,300 SH   SOLE   0 0 2,300
GCI Liberty Inc Com Class A COMMON STOCK 36164V305 46 565 SH   SOLE   0 0 565
Gilead Sciences Inc COMMON STOCK 375558103 95 1,505 SH   SOLE   0 0 1,505
Global Payments Inc COMMON STOCK 37940X102 12,071 67,973 SH   SOLE   0 0 67,973
Home Depot COMMON STOCK 437076102 12,190 43,893 SH   SOLE   0 0 43,893
Honeywell International Inc COMMON STOCK 438516106 56 339 SH   SOLE   0 0 339
Illinois Tool Works COMMON STOCK 452308109 2,906 15,042 SH   SOLE   0 0 15,042
Intel Corp COMMON STOCK 458140100 127 2,449 SH   SOLE   0 0 2,449
International Business Machine COMMON STOCK 459200101 251 2,065 SH   SOLE   0 0 2,065
iShares Expanded Tech-Software ETF 464287515 22,080 70,970 SH   SOLE   0 0 70,970
IShares MSCI EAFE Small Cap Fd ETF 464288273 90 1,522 SH   SOLE   0 0 1,522
iShares MSCI Japan ETF 46434G822 4,297 72,752 SH   SOLE   0 0 72,752
iShares PHLX Semiconductor ETF 464287523 17,483 57,393 SH   SOLE   0 0 57,393
Ishares Tr MSCI Emerging Mkts ETF 464287234 41 940 SH   SOLE   0 0 940
Ishares Tr MSCI Index ETF 464287465 6,937 108,994 SH   SOLE   0 0 108,994
iShares Tr Nasdaq Biotechnolog ETF 464287556 51 380 SH   SOLE   0 0 380
IShares TR S&P 500 Growth Inde ETF 464287309 5,007 21,669 SH   SOLE   0 0 21,669
Ishares Tr S&P 500 Index Fd ETF 464287200 11,556 34,387 SH   SOLE   0 0 34,387
Ishares Tr S&P Midcap 400 Inde ETF 464287507 2,729 14,725 SH   SOLE   0 0 14,725
iShares Tr S&P Smallcap 600 ETF 464287804 3,448 49,092 SH   SOLE   0 0 49,092
Johnson & Johnson Com COMMON STOCK 478160104 13,145 88,295 SH   SOLE   0 0 88,295
JP Morgan Chase & Co COMMON STOCK 46625H100 18,989 197,251 SH   SOLE   0 0 197,251
Kansas City Southern COMMON STOCK 485170302 9,068 50,149 SH   SOLE   0 0 50,149
Kimberly-Clark Corp COMMON STOCK 494368103 175 1,185 SH   SOLE   0 0 1,185
Laboratory Corp America Holdin COMMON STOCK 50540R409 44 233 SH   SOLE   0 0 233
Liberty Broadband Corp Com Ser COMMON STOCK 530307305 75 526 SH   SOLE   0 0 526
Liberty Global Plc Shs Cl C COMMON STOCK G5480U120 56 2,718 SH   SOLE   0 0 2,718
Liberty Media Corp Delaware Co COMMON STOCK 531229607 70 2,106 SH   SOLE   0 0 2,106
Lockheed Martin Corp COMMON STOCK 539830109 148 385 SH   SOLE   0 0 385
Marsh & McLennan COMMON STOCK 571748102 86 749 SH   SOLE   0 0 749
Mastercard Inc Cl A COMMON STOCK 57636Q104 15,157 44,821 SH   SOLE   0 0 44,821
McDonald's Corporation COMMON STOCK 580135101 4,751 21,646 SH   SOLE   0 0 21,646
McKesson Corp COMMON STOCK 58155Q103 2,604 17,485 SH   SOLE   0 0 17,485
Medtronic Inc COMMON STOCK G5960L103 13,954 134,277 SH   SOLE   0 0 134,277
Merck & Co Inc New Com COMMON STOCK 58933Y105 586 7,064 SH   SOLE   0 0 7,064
Microsoft COMMON STOCK 594918104 54,512 259,175 SH   SOLE   0 0 259,175
Mondelez Intl Incl Cl A COMMON STOCK 609207105 179 3,110 SH   SOLE   0 0 3,110
Motorola Solutions Inc Com COMMON STOCK 620076307 67 428 SH   SOLE   0 0 428
Netflix Inc. COMMON STOCK 64110L106 2,081 4,162 SH   SOLE   0 0 4,162
Norfolk Southern Corp COMMON STOCK 655844108 12,850 60,051 SH   SOLE   0 0 60,051
Northern Trust Corporation COMMON STOCK 665859104 505 6,483 SH   SOLE   0 0 6,483
Nuveen Dividend Advantage Muni ETF 67066V101 135 9,319 SH   SOLE   0 0 9,319
Nvidia Corp COMMON STOCK 67066g104 13,198 24,385 SH   SOLE   0 0 24,385
OPKO Health Inc COMMON STOCK 68375N103 45 12,110 SH   SOLE   0 0 12,110
Paypal Hldgs Inc COMMON STOCK 70450Y103 19,118 97,033 SH   SOLE   0 0 97,033
Pepsico Inc COMMON STOCK 713448108 14,233 102,689 SH   SOLE   0 0 102,689
PerkinElmer Inc COMMON STOCK 714046109 7,795 62,103 SH   SOLE   0 0 62,103
Pfizer Inc. COMMON STOCK 717081103 371 10,097 SH   SOLE   0 0 10,097
Philip Morris Int'l Inc Com COMMON STOCK 718172109 204 2,718 SH   SOLE   0 0 2,718
Phillips 66 Com COMMON STOCK 718546104 83 1,610 SH   SOLE   0 0 1,610
Powershares QQQ Tr Unit Ser 1 ETF 46090E103 148 534 SH   SOLE   0 0 534
Procter & Gamble Co Com COMMON STOCK 742718109 8,033 57,795 SH   SOLE   0 0 57,795
Raytheon Technologies Ord COMMON STOCK 75513E101 74 1,279 SH   SOLE   0 0 1,279
Republic Bancorp Inc. Cl. A COMMON STOCK 760281204 398 14,129 SH   SOLE   0 0 14,129
S&P Spider Trust Unit Series 1 ETF 78462F103 397 1,184 SH   SOLE   0 0 1,184
Salesforce.com Inc COMMON STOCK 79466l302 126 500 SH   SOLE   0 0 500
Select Sector SPDR TR Financia ETF 81369Y605 8,710 361,861 SH   SOLE   0 0 361,861
St Microelectronics NV COMMON STOCK 861012102 58 1,900 SH   SOLE   0 0 1,900
Starbucks Corp Com COMMON STOCK 855244109 112 1,304 SH   SOLE   0 0 1,304
Stryker Corp COMMON STOCK 863667101 73 350 SH   SOLE   0 0 350
Taiwan Semiconductor Mfg Co COMMON STOCK 874039100 3,248 40,069 SH   SOLE   0 0 40,069
Target Corp Com COMMON STOCK 87612E106 4,617 29,327 SH   SOLE   0 0 29,327
Tesla Motors Inc COMMON STOCK 88160R101 206 480 SH   SOLE   0 0 480
Thermo Electron Corp COMMON STOCK 883556102 8,625 19,534 SH   SOLE   0 0 19,534
T-Mobile US Inc COMMON STOCK 872590104 48 419 SH   SOLE   0 0 419
Union Pacific Corp COMMON STOCK 907818108 11,456 58,190 SH   SOLE   0 0 58,190
Unitedhealth Group Inc COMMON STOCK 91324P102 4,461 14,308 SH   SOLE   0 0 14,308
US Bancorp New COMMON STOCK 902973304 902 25,171 SH   SOLE   0 0 25,171
Vanguard Emerging Markets Etf ETF 922042858 1,787 41,325 SH   SOLE   0 0 41,325
Vanguard Index Fds Reit ETF 922908553 6,767 85,708 SH   SOLE   0 0 85,708
Vanguard Index Fds Total Stk M ETF 922908769 298 1,751 SH   SOLE   0 0 1,751
Vanguard Information Technolog ETF 92204A702 93 300 SH   SOLE   0 0 300
Vanguard Large-Cap ETF ETF 922908637 79 502 SH   SOLE   0 0 502
Vanguard Mega Cap ETF 529F ETF 108913807 644 23,046 SH   SOLE   0 0 23,046
Vanguard Small-Cap ETF 529F ETF 108913831 73 3,523 SH   SOLE   0 0 3,523
Vanguard Spcld Port Div App In ETF 921908844 64 500 SH   SOLE   0 0 500
Vanguard Utilities ETF ETF 92204A876 5,186 40,168 SH   SOLE   0 0 40,168
Verizon Communications COMMON STOCK 92343V104 15,721 264,256 SH   SOLE   0 0 264,256
Visa Inc Com Cl A COMMON STOCK 92826C839 27,870 139,370 SH   SOLE   0 0 139,370
Walgreen Boots Alliance Inc Co COMMON STOCK 931427108 181 5,050 SH   SOLE   0 0 5,050
Walt Disney COMMON STOCK 254687106 96 771 SH   SOLE   0 0 771
Waste Management Inc Com COMMON STOCK 94106L109 4,462 39,423 SH   SOLE   0 0 39,423
Wintrust Financial Corp COMMON STOCK 97650W108 863 21,541 SH   SOLE   0 0 21,541
WisdomTree LargeCap Dividend E ETF 97717W307 794 8,179 SH   SOLE   0 0 8,179
WisdomTree MidCap Dividend ETF ETF 97717W505 1,112 38,462 SH   SOLE   0 0 38,462
Wisdomtree Tr Smallcap Div Fd ETF 97717W604 1,653 78,396 SH   SOLE   0 0 78,396
Xcel Energy Inc COMMON STOCK 98389B100 142 2,057 SH   SOLE   0 0 2,057