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
3M Company COM 88579Y101   2,308 13,085 SH   SOLE   0 11,387 1,698
A T & T COM 00206R102   1,589 40,663 SH   SOLE   0 35,724 4,939
Abbott Labs COM 002824100   1,369 15,768 SH   SOLE   0 14,405 1,363
Abbvie COM 00287Y109   1,028 11,619 SH   SOLE   0 9,646 1,973
Accenture plc CL A G1151C101   348 1,654 SH   SOLE   0 1,654 0
ADP COM 053015103   928 5,446 SH   SOLE   0 4,983 463
Aflac Inc COM 001055102   560 10,588 SH   SOLE   0 8,308 2,280
Agilent Tech COM 00846U101   207 2,438 SH   SOLE   0 2,438 0
Air Products COM 009158906   352 1,500 SH   SOLE   0 1,500 0
AJ Gallagher Co COM 363576109   757 7,950 SH   SOLE   0 7,950 0
Alibaba Group Hldg Ltd ADS 01609W102   408 1,927 SH   SOLE   0 1,865 62
Alliant Energy COM 018802108   451 8,249 SH   SOLE   0 8,249 0
Alphabet Inc Cl A CAP STK 02079K305   1,086 811 SH   SOLE   0 775 36
Alphabet Inc Cl C CAP STK 02079K107   1,172 877 SH   SOLE   0 871 6
Altria Group Inc COM 02209S103   1,003 20,107 SH   SOLE   0 18,260 1,847
Amazon com COM 023135106   1,400 758 SH   SOLE   0 741 17
Amer Electric COM 025537101   730 7,730 SH   SOLE   0 5,332 2,398
Amer Express COM 025816109   722 5,802 SH   SOLE   0 5,332 470
Amer Tower COM 03027X100   1,519 6,610 SH   SOLE   0 6,525 85
Amgen COM 031162100   413 1,715 SH   SOLE   0 1,566 149
Amphenol COM 032095101   263 2,435 SH   SOLE   0 2,435 0
Apple Computer COM 037833100   6,169 21,008 SH   SOLE   0 19,649 1,359
BankAmerica COM 060505104   1,680 47,708 SH   SOLE   0 47,708 0
Becton Dickinson COM 075887109   439 1,615 SH   SOLE   0 1,590 25
Berkshire Htwy Cl A COM 084990175   339 100 SH   SOLE   0 100 0
Berkshire Htwy Cl B COM 084670207   3,840 16,958 SH   SOLE   0 16,792 166
Blackrock Corp Hi Yld ETF 09255P107   142 12,681 SH   SOLE   0 0 12,681
Blackrock Inc COM 09247X101   358 712 SH   SOLE   0 712 0
Blackstone Group COM 09253U108   606 10,833 SH   SOLE   0 0 10,833
Boeing Co COM 097023105   1,817 5,578 SH   SOLE   0 5,191 387
Bristol Myers COM 110122108   1,302 20,298 SH   SOLE   0 14,944 5,354
Broadcom Ltd COM Y0486S104   303 960 SH   SOLE   0 811 149
Caterpillar Inc COM 149123101   1,267 8,583 SH   SOLE   0 7,109 1,474
Celanese Corp COM 150870103   1,014 8,242 SH   SOLE   0 7,292 950
Chevron Corp COM 166764100   1,716 14,244 SH   SOLE   0 12,235 2,009
Chubb Ltd COM H1467J104   883 5,674 SH   SOLE   0 4,837 837
Church Dwight COM 171340102   234 3,335 SH   SOLE   0 2,016 1,319
Churchill Downs COM 171484108   589 4,300 SH   SOLE   0 4,100 200
Cisco Systems Inc COM 17275R102   2,843 59,293 SH   SOLE   0 58,863 430
Citigroup COM 172967101   824 10,325 SH   SOLE   0 10,265 60
Clorox COM 189054109   391 2,547 SH   SOLE   0 2,472 75
Coca-Cola Company COM 191216100   1,815 32,798 SH   SOLE   0 27,783 5,015
ColgatePalmolive COM 194162103   1,134 16,474 SH   SOLE   0 14,994 1,480
Comcast COM 20030N101   959 21,339 SH   SOLE   0 17,340 3,999
Communication Select ETF 81369Y852   8,228 153,423 SH   SOLE   0 135,427 17,996
ConocoPhillips COM 20825C104   887 13,653 SH   SOLE   0 11,273 2,380
Constellation Brand CL A 21036P108   512 2,703 SH   SOLE   0 2,603 100
Consumer Discr SPDR ETF 81369Y407   7,304 58,239 SH   SOLE   0 50,751 7,488
Consumer Stpls SPDR ETF 81369Y308   4,114 65,324 SH   SOLE   0 59,909 5,415
Costco COM 22160K105   2,462 8,376 SH   SOLE   0 7,523 853
CrownCastleIntl COM 228227104   1,021 7,185 SH   SOLE   0 6,460 725
CSX Corp COM 126408103   1,457 20,147 SH   SOLE   0 16,909 3,238
Cummins Inc COM 231021106   2,184 12,209 SH   SOLE   0 10,025 2,184
CVS Health Corp COM 126650100   984 13,246 SH   SOLE   0 11,721 1,525
Danaher Corp COM 235851102   546 3,560 SH   SOLE   0 3,460 100
Deere COM 244199105   456 2,636 SH   SOLE   0 2,511 125
Delta Air Lines COM 247361108   434 7,426 SH   SOLE   0 6,126 1,300
Dow COM 260543103   296 5,424 SH   SOLE   0 5,143 281
Duke Energy COM 26441C105   789 8,660 SH   SOLE   0 6,928 1,732
Dunkin Brands COM 265504100   553 7,327 SH   SOLE   0 6,367 960
E I Dupont COM 263534109   279 4,353 SH   SOLE   0 4,072 281
Eastman Chem COM 277432100   531 6,706 SH   SOLE   0 6,106 600
Eli Lilly Company COM 532457108   1,886 14,351 SH   SOLE   0 13,269 1,082
Emerson Electric COM 291011104   501 6,575 SH   SOLE   0 5,545 1,030
Energy Select SPDR ETF 81369Y506   4,985 83,040 SH   SOLE   0 71,115 11,925
Exelon Corporation COM 30161N101   646 14,173 SH   SOLE   0 11,612 2,561
Exxon Mobil COM 30231G102   1,643 23,554 SH   SOLE   0 18,732 4,822
Facebook COM 30303M102   1,363 6,641 SH   SOLE   0 6,345 296
Fastenal COM 311900104   215 5,837 SH   SOLE   0 5,837 0
FedEx Corp COM 31428X106   992 6,566 SH   SOLE   0 6,176 390
Financial Select COM 81369Y605   6,040 196,251 SH   SOLE   0 176,664 19,587
Firstenergy COM 337932107   329 6,776 SH   SOLE   0 5,516 1,260
Fiserv COM 337738108   326 2,826 SH   SOLE   0 2,826 0
Fulton Financial COM 360271100   315 18,078 SH   SOLE   0 5,438 12,640
General Electric COM 369604103   451 40,496 SH   SOLE   0 29,542 10,954
General Mills Inc COM 370334104   311 5,813 SH   SOLE   0 5,113 700
Goldman Sachs Equity ETF 381430503   810 12,525 SH   SOLE   0 12,525 0
Groupon CL A 399473107   31 13,000 SH   SOLE   0 13,000 0
Haemonetics COM 405024100   247 2,152 SH   SOLE   0 2,152 0
Healthcare SPDR COM 81369Y209   6,509 63,907 SH   SOLE   0 57,408 6,499
Hershey COM 427866108   584 3,975 SH   SOLE   0 3,823 152
Home Depot COM 437076102   1,289 5,903 SH   SOLE   0 5,124 779
Honeywell Intl COM 438516106   1,106 6,249 SH   SOLE   0 6,204 45
IBM COM 459200101   705 5,260 SH   SOLE   0 4,539 721
Illinois Tool COM 452308109   424 2,365 SH   SOLE   0 2,365 0
Industrial SPDR COM 81369Y704   5,762 70,735 SH   SOLE   0 65,377 5,358
Intel Corp COM 458140100   3,269 54,620 SH   SOLE   0 40,990 13,630
Intl Paper COM 460146103   358 7,778 SH   SOLE   0 7,253 525
Intuit COM 461202103   708 2,705 SH   SOLE   0 2,705 0
Intuitive Surgical COM 46120E602   299 506 SH   SOLE   0 500 6
Invesco Buyback ETF 46137V308   648 9,404 SH   SOLE   0 9,404 0
Invesco Div Achieve ETF 46137V506   888 28,931 SH   SOLE   0 28,931 0
Invesco Dyn Biotech ETF 46137V787   210 3,762 SH   SOLE   0 3,662 100
Invesco Dyn Sftwr ETF 46137V639   315 3,167 SH   SOLE   0 3,167 0
Invesco Fin Pfd ETF 46137V621   259 13,729 SH   SOLE   0 13,729 0
Invesco Mgd US Real Estate ETF 46090A101   247 2,587 SH   SOLE   0 2,587 0
Invesco QQQ Tst ETF 46090E103   3,478 16,358 SH   SOLE   0 15,949 409
iShares 0-5 ETF 46429B747   201 2,000 SH   SOLE   0 2,000 0
Ishares Core Div Grwth ETF 46434V621   356 8,473 SH   SOLE   0 7,882 591
iShares Core High Div ETF 46429B663   901 9,195 SH   SOLE   0 8,995 200
iShares Core Mid Cap ETF 464287804   6,057 72,244 SH   SOLE   0 67,654 4,590
Ishares Core S&P 500 ETF 464287200   411 1,273 SH   SOLE   0 1,263 10
iShares Core S&P US Stock ETF 464287150   4,097 56,373 SH   SOLE   0 56,373 0
Ishares CoreMSCI ETF 46432F834   1,040 16,811 SH   SOLE   0 16,811 0
ishares Emerg Mkts ETF 46434G103   3,107 57,797 SH   SOLE   0 53,595 4,202
iShares ESG MSCI USA ETF 46435G425   367 5,150 SH   SOLE   0 5,150 0
iShares MSCI EAFE ETF 464287465   202 2,911 SH   SOLE   0 2,761 150
iShares MSCI Min Vol ETF 46429B697   548 8,364 SH   SOLE   0 7,795 569
iShares NA Tech ETF 464287515   524 2,248 SH   SOLE   0 2,248 0
iShares Natl Mun ETF 464288414   261 2,292 SH   SOLE   0 2,292 0
iShares Russel 3000 ETF 464287689   206 1,094 SH   SOLE   0 710 384
iShares Russell 200 ETF 464289420   289 4,952 SH   SOLE   0 4,952 0
Ishares S&P 500 Val ETF 464287408   371 2,856 SH   SOLE   0 2,661 195
iShares S&P 500 Grwth ETF 464287309   232 1,201 SH   SOLE   0 1,201 0
iShares S&P Mid ETF 464287507   2,205 10,715 SH   SOLE   0 10,630 85
iShares Select Div ETF 464287168   1,407 13,321 SH   SOLE   0 12,844 477
iShares Trust Core MSCI ETF 46432F842   3,364 51,566 SH   SOLE   0 45,998 5,568
Ishares US Aer Def ETF 464288760   205 927 SH   SOLE   0 927 0
Ishares USA Momentum ETF 46432F396   482 3,845 SH   SOLE   0 3,809 36
iShares USA Quality ETF 46432F339   208 2,069 SH   SOLE   0 2,069 0
J P Morgan COM 46625H100   2,020 14,496 SH   SOLE   0 10,424 4,072
Johnson & Johnson COM 478160104   5,965 40,896 SH   SOLE   0 34,403 6,493
Kansas City Southern COM 485170302   200 1,307 SH   SOLE   0 1,307 0
Kellogg Company COM 487836108   398 5,755 SH   SOLE   0 4,991 764
Kimberly Clark COM 494368103   2,075 15,089 SH   SOLE   0 13,167 1,922
KLA Corp COM 482480100   249 1,400 SH   SOLE   0 1,400 0
Las Vegas Sands COM 517834107   257 3,724 SH   SOLE   0 3,549 175
Lear COM 521865204   254 1,852 SH   SOLE   0 1,227 625
Lockheed Martin COM 539830109   669 1,718 SH   SOLE   0 1,530 188
Lowes COM 548661107   1,605 13,407 SH   SOLE   0 12,171 1,236
M&T Bank Corp COM 55261F104   380 2,239 SH   SOLE   0 1,718 521
MagellanMidstrm COM 559080106   298 4,744 SH   SOLE   0 4,544 200
Masco COM 574599106   1,035 21,569 SH   SOLE   0 18,494 3,075
Mastercard COM 57636Q104   1,216 4,075 SH   SOLE   0 3,875 200
Materials Select SPDR ETF 81369Y100   996 16,228 SH   SOLE   0 15,126 1,102
MBIA COM 55262C100   117 12,650 SH   SOLE   0 12,650 0
McCormick COM 579780206   2,033 11,980 SH   SOLE   0 11,075 905
McDonalds COM 580135101   4,467 22,607 SH   SOLE   0 20,084 2,523
Medtronic Inc COM 585055106   366 3,230 SH   SOLE   0 1,426 1,804
Mercadolibre COM 58733R102   360 631 SH   SOLE   0 631 0
Merck COM 58933Y105   2,122 23,337 SH   SOLE   0 20,525 2,812
Metlife Inc COM 59156R108   739 14,507 SH   SOLE   0 12,732 1,775
Microchip Tech COM 595017104   350 3,343 SH   SOLE   0 2,793 550
Microsoft Corp COM 594918104   7,059 44,765 SH   SOLE   0 39,847 4,918
Mondelez COM 607209105   576 10,463 SH   SOLE   0 10,136 327
Netflix COM 64110L106   608 1,882 SH   SOLE   0 1,795 87
Nextera Energy COM 65339F101   1,101 4,549 SH   SOLE   0 4,549 0
Nike COM 654106103   3,605 35,592 SH   SOLE   0 30,772 4,820
Norfolk Southern COM 655844108   1,593 8,210 SH   SOLE   0 6,907 1,303
Northrop Grumman COM 666807102   1,314 3,821 SH   SOLE   0 3,140 681
Oracle Corp COM 68389X105   981 18,524 SH   SOLE   0 15,027 3,497
Parker Hannifin COM 701094104   345 1,678 SH   SOLE   0 1,303 375
Paychex COM 704326107   344 4,044 SH   SOLE   0 3,977 67
Paypal COM 70450Y103   367 3,398 SH   SOLE   0 3,382 16
PepsiCo COM 713448108   4,408 32,254 SH   SOLE   0 26,311 5,943
Performance Shipping COM Y67305105   117 140,000 SH   SOLE   0 140,000 0
Pfizer COM 717081103   1,986 50,691 SH   SOLE   0 44,111 6,580
PhilipMorrisIntl COM 718172109   525 6,172 SH   SOLE   0 5,424 748
Phillips 66 COM 718546104   579 5,198 SH   SOLE   0 4,686 512
PNC Financial COM 693475105   413 2,588 SH   SOLE   0 2,488 100
PPG Industries COM 693506107   463 3,475 SH   SOLE   0 3,475 0
PPL Corp COM 69351T106   446 12,457 SH   SOLE   0 10,489 1,968
Procter & Gamble COM 742718109   5,425 43,438 SH   SOLE   0 37,387 6,051
Prudential Financial COM 744320102   1,079 11,518 SH   SOLE   0 10,468 1,050
Public Storage COM 74460D109   806 3,785 SH   SOLE   0 3,785 0
Raytheon COM 755111507   315 1,434 SH   SOLE   0 1,110 324
Real Estate Select SPDR ETF 81369Y860   2,513 64,989 SH   SOLE   0 53,691 11,298
Royal Dutch Shell ADR 780259206   292 4,957 SH   SOLE   0 3,975 982
Schwab Emrg Mkt ETF 808524706   2,482 90,701 SH   SOLE   0 82,314 8,387
Schwab Intl Equity ETF 808524805   4,847 144,153 SH   SOLE   0 131,406 12,747
Schwab Sht Tm Us Treas ETF 808524862   283 5,606 SH   SOLE   0 1,494 4,112
Schwab US Broad ETF 808524102   18,573 241,585 SH   SOLE   0 224,648 16,937
Schwab US Dividend ETF 808524797   1,584 27,354 SH   SOLE   0 1,413 25,941
Schwab US Lg Cap ETF 808524201   6,057 78,858 SH   SOLE   0 75,112 3,746
Schwab US MidCap ETF 808524508   986 16,395 SH   SOLE   0 15,742 653
Schwab US Sml Cap ETF 808524607   1,632 21,579 SH   SOLE   0 21,037 542
Schwb US Bond ETF 808524839   1,003 18,786 SH   SOLE   0 14,238 4,548
SEI Investments COM 784117103   261 4,000 SH   SOLE   0 4,000 0
ServiceNow COM 81762P102   262 930 SH   SOLE   0 930 0
Sherwin Williams COM 824348106   643 1,101 SH   SOLE   0 1,101 0
SPDR DJIA ETF 78467X109   549 1,928 SH   SOLE   0 1,840 88
SPDR Nuveen Blmbrg Sr ETF 78468R739   271 5,520 SH   SOLE   0 5,520 0
SPDR S&P 500 ETF 78462F103   12,148 37,744 SH   SOLE   0 36,174 1,570
SPDR S&P Mid Cap ETF 78467Y107   2,893 7,705 SH   SOLE   0 7,705 0
StanleyBlackDecker COM 854502101   737 4,452 SH   SOLE   0 4,252 200
Starbucks COM 855244109   1,740 19,793 SH   SOLE   0 17,022 2,771
Stryker COM 863667101   241 1,150 SH   SOLE   0 1,075 75
Sun Communities COM 866674104   19,607 12,705 SH   SOLE   0 12,705 0
T Rowe Price Associates COM 74144T108   532 4,370 SH   SOLE   0 4,370 0
Target Inc COM 87612E106   1,316 10,265 SH   SOLE   0 8,945 1,320
Technology SPDR ETF 81369Y803   4,743 51,743 SH   SOLE   0 46,612 5,131
Textron COM 883203101   348 7,818 SH   SOLE   0 7,818 0
Travelers Co COM 89417E109   2,108 15,393 SH   SOLE   0 13,220 2,173
Truist Financial COM 89832Q109   474 8,421 SH   SOLE   0 8,014 407
Union Pacific COM 907818108   871 4,822 SH   SOLE   0 4,367 455
United Tech COM 913017109   1,497 10,000 SH   SOLE   0 8,393 1,607
Utilities SPDR ETF 81369Y886   2,232 34,551 SH   SOLE   0 29,704 4,847
V F Corporation COM 918204108   1,032 10,360 SH   SOLE   0 10,160 200
Valero Energy COM 91913Y100   219 2,343 SH   SOLE   0 2,343 0
Ventas Inc COM 92276F100   208 3,616 SH   SOLE   0 600 3,016
Verizon Comm COM 92343V104   2,011 32,767 SH   SOLE   0 29,115 3,652
Visa CL A 92826C839   1,761 9,372 SH   SOLE   0 8,502 870
Vngrd Adm Mid Cap ETF 921932844   299 2,300 SH   SOLE   0 2,300 0
Vngrd Bd Short Term ETF 921937827   507 6,292 SH   SOLE   0 6,292 0
Vngrd Cons Spls ETF 92204A207   1,108 6,877 SH   SOLE   0 5,474 1,403
Vngrd ConsDiscr COM 92204A108   662 3,493 SH   SOLE   0 3,268 225
Vngrd Dev Mkt ETF 921943858   1,757 39,884 SH   SOLE   0 39,569 315
Vngrd DivApp ETF 921908844   204 1,644 SH   SOLE   0 1,644 0
Vngrd Emer Mkt ETF 922042858   2,788 62,700 SH   SOLE   0 62,580 120
Vngrd Energy ETF 92204A306   1,426 17,505 SH   SOLE   0 16,845 660
Vngrd Fin ETF 92204A405   12,536 164,350 SH   SOLE   0 141,068 23,282
Vngrd FTSE ETF 922042775   9,993 185,917 SH   SOLE   0 162,969 22,948
Vngrd FTSE All ETF 922042718   305 2,752 SH   SOLE   0 2,728 24
Vngrd Growth ETF 922908736   285 1,564 SH   SOLE   0 1,564 0
Vngrd Health ETF 92204A504   17,287 90,161 SH   SOLE   0 80,380 9,781
Vngrd Industrials ETF 92204A603   1,651 10,734 SH   SOLE   0 8,689 2,045
Vngrd InfoTech ETF 92204A702   34,514 140,961 SH   SOLE   0 123,443 17,518
Vngrd Lg Cap ETF 922908637   350 2,372 SH   SOLE   0 2,372 0
Vngrd Materials ETF 92204A801   575 4,290 SH   SOLE   0 3,478 812
Vngrd Mid Cap ETF 922908629   1,526 8,567 SH   SOLE   0 8,567 0
Vngrd REIT ETF 922908553   799 8,611 SH   SOLE   0 8,136 475
Vngrd S&P 500 ETF 922908363   927 3,137 SH   SOLE   0 3,137 0
Vngrd Scottsdale Int Term Gov ETF 92206C706   5,662 85,922 SH   SOLE   0 85,922 0
Vngrd SmallCap ETF 922908751   14,925 90,108 SH   SOLE   0 81,887 8,221
Vngrd S-Term Corp ETF 92206C409   3,262 40,265 SH   SOLE   0 31,070 9,195
Vngrd Tax Exempt Bd ETF 922907746   290 5,427 SH   SOLE   0 5,427 0
Vngrd Telecom ETF 92204A884   2,125 22,624 SH   SOLE   0 19,521 3,103
Vngrd Total Stk ETF 922908769   22,602 138,139 SH   SOLE   0 131,307 6,832
Vngrd Total World ETF 922042742   1,048 12,941 SH   SOLE   0 12,146 795
Vngrd Ttl Bond ETF 921937835   1,711 20,408 SH   SOLE   0 19,453 955
Vngrd Ttl Intl ETF 921909768   12,331 221,426 SH   SOLE   0 201,666 19,760
Vngrd Utilities ETF 92204A876   2,868 20,075 SH   SOLE   0 18,274 1,801
Vngrd Value ETF 922908744   684 5,709 SH   SOLE   0 5,709 0
Walgreen Boots COM 931427108   254 4,313 SH   SOLE   0 4,313 0
Walmart Stores COM 931142103   1,370 11,535 SH   SOLE   0 11,014 521
Walt Disney COM 254687106   5,707 39,461 SH   SOLE   0 34,507 4,954
Waste Mgmt COM 94106L109   1,326 11,636 SH   SOLE   0 9,553 2,083
WD-40 COM 929236107   228 1,175 SH   SOLE   0 1,175 0
Wells Fargo COM 949746101   408 7,595 SH   SOLE   0 7,535 60
Weyerhauser COM 962166104   315 10,435 SH   SOLE   0 10,275 160
WW Grainger COM 384802104   561 1,660 SH   SOLE   0 1,660 0
Yum China COM 98850P109   411 8,571 SH   SOLE   0 8,066 505
Yum! Brands Inc COM 988498101   2,141 21,263 SH   SOLE   0 18,645 2,618
Zebra Tech COM 989207105   255 1,000 SH   SOLE   0 1,000 0