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
3 M Company COM 88579Y101 1,766 12,938 SH   SOLE 0 0 11,365 1,573
A T & T COM 00206R102 1,224 42,000 SH   SOLE 0 0 37,059 4,941
Abbott Labs COM 002824100 1,244 15,773 SH   SOLE 0 0 14,405 1,368
Abbvie COM 00287Y109 837 10,998 SH   SOLE 0 0 9,046 1,952
Accenture CL A G1151C101 270 1,654 SH   SOLE 0 0 1,654 0
ADP COM 053015103 606 4,437 SH   SOLE 0 0 3,974 463
Aflac Inc COM 001055102 316 9,258 SH   SOLE 0 0 7,058 2,200
Air Products COM 009158109 299 1,500 SH   SOLE 0 0 1,500 0
AJ Gallagher Co COM 363576109 648 7,950 SH   SOLE 0 0 7,950 0
Alibaba Group COM 01609W102 377 1,942 SH   SOLE 0 0 1,880 62
Alliant Energy COM 018802108 357 7,408 SH   SOLE 0 0 7,408 0
Alphabet Inc Cl A CAP STK 02079K305 1,017 876 SH   SOLE 0 0 840 36
Alphabet Inc Cl C CAP STK 02079K107 1,095 942 SH   SOLE 0 0 936 6
Altria Group Inc COM 02209S103 704 18,212 SH   SOLE 0 0 16,714 1,498
Amazon com COM 023135106 1,485 762 SH   SOLE 0 0 744 18
Amer Electric COM 025537101 616 7,707 SH   SOLE 0 0 6,502 1,205
Amer Express COM 025816109 490 5,734 SH   SOLE 0 0 5,264 470
Amer Tower COM 03027X100 1,412 6,485 SH   SOLE 0 0 5,810 675
Amgen COM 031162100 348 1,717 SH   SOLE 0 0 1,566 151
Apple Computer COM 037833100 5,231 20,571 SH   SOLE 0 0 19,213 1,358
BankAmerica COM 060505104 974 45,901 SH   SOLE 0 0 45,901 0
Becton Dickinson COM 075887109 379 1,650 SH   SOLE 0 0 1,625 25
Berkshire Htwy Cl A COM 084990175 272 100 SH   SOLE 0 0 100 0
Berkshire Htwy Cl B COM 084670207 3,319 18,158 SH   SOLE 0 0 17,992 166
Blackrock Inc COM 09247X101 324 738 SH   SOLE 0 0 738 0
Blackstone Group COM 09253U108 489 10,745 SH   SOLE 0 0 289 10,456
Boeing Co COM 097023105 839 5,627 SH   SOLE 0 0 5,209 418
Bristol Myers COM 110122108 1,169 20,990 SH   SOLE 0 0 15,621 5,369
Broadcom Ltd COM Y0486S104 227 961 SH   SOLE 0 0 812 149
Caterpillar Inc COM 149123101 882 7,602 SH   SOLE 0 0 6,175 1,427
Celanese Corp COM 150870103 597 8,142 SH   SOLE 0 0 7,192 950
Chevron Corp COM 166764100 878 12,122 SH   SOLE 0 0 10,138 1,984
Chubb Ltd COM H1467J104 621 5,562 SH   SOLE 0 0 4,775 787
Church Dwight COM 171340102 210 3,286 SH   SOLE 0 0 2,016 1,270
Churchill Downs COM 171484108 442 4,300 SH   SOLE 0 0 4,100 200
Cisco Systems Inc COM 17275R102 2,287 58,194 SH   SOLE 0 0 7,890 50,304
Citigroup COM 172967101 334 7,950 SH   SOLE 0 0 7,890 60
Clorox COM 189054109 440 2,542 SH   SOLE 0 0 2,467 75
Coca-Cola Company COM 191216100 1,449 32,757 SH   SOLE 0 0 27,742 5,015
Constellation Brand COM 21036P108 382 2,668 SH   SOLE 0 0 2,603 65
ColgatePalmolive COM 194162103 1,073 16,180 SH   SOLE 0 0 14,700 1,480
Comcast COM 20030N101 718 20,910 SH   SOLE 0 0 16,889 4,021
Communication Svs ETF 81369Y852 6,675 150,887 SH   SOLE 0 0 132,981 17,906
ConocoPhillips COM 20825C104 328 10,680 SH   SOLE 0 0 8,549 2,131
Consumer Discr SPDR ETF 81369Y407 5,537 56,458 SH   SOLE 0 0 49,068 7,390
Consumer Stpls SPDR ETF 81369Y308 3,570 65,553 SH   SOLE 0 0 60,088 5,465
Costco COM 22160K105 2,378 8,343 SH   SOLE 0 0 7,489 854
CSX Corp COM 126408103 1,135 19,808 SH   SOLE 0 0 16,668 3,140
Cummins Inc COM 231021106 1,591 11,762 SH   SOLE 0 0 9,677 2,085
CVS Caremark COM 126650100 755 12,737 SH   SOLE 0 0 11,311 1,426
Danaher Corp COM 235851102 477 3,450 SH   SOLE 0 0 3,350 100
Deere COM 244199105 362 2,622 SH   SOLE 0 0 2,497 125
Duke Energy COM 26441C105 696 8,616 SH   SOLE 0 0 6,864 1,752
Dunkin Brands COM 265504100 383 7,227 SH   SOLE 0 0 6,267 960
Eastman Chem COM 277432100 265 5,702 SH   SOLE 0 0 5,102 600
Eli Lilly Company COM 532457108 1,997 14,399 SH   SOLE 0 0 13,316 1,083
Emerson Electric COM 291011104 308 6,475 SH   SOLE 0 0 5,445 1,030
Energy Select SPDR ETF 81369Y506 2,371 81,594 SH   SOLE 0 0 70,715 10,879
Exelon Corporation COM 30161N101 505 13,724 SH   SOLE 0 0 11,163 2,561
Exxon Mobil COM 30231G102 623 16,418 SH   SOLE 0 0 12,880 3,538
Facebook COM 30303M102 1,079 6,469 SH   SOLE 0 0 6,173 296
FedEx Corp COM 31428X106 687 5,666 SH   SOLE 0 0 5,276 390
Fidelity Total Bond ETF 316188398 301 5,822 SH   SOLE 0 0 5,822 0
Financial Select COM 81369Y605 3,034 145,745 SH   SOLE 0 0 129,316 16,429
Firstenergy COM 337932107 268 6,702 SH   SOLE 0 0 5,442 1,260
Fiserv COM 337738108 248 2,612 SH   SOLE 0 0 2,612 0
Fulton Financial COM 360271100 205 17,926 SH   SOLE 0 0 5,192 12,734
General Electric COM 369604103 308 38,875 SH   SOLE 0 0 27,716 11,159
General Mills Inc COM 370334104 306 5,815 SH   SOLE 0 0 5,115 700
Goldman Sachs ETF Tr ETF 381430503 657 12,599 SH   SOLE 0 0 12,599 0
Healthcare SPDR COM 81369Y209 5,709 64,456 SH   SOLE 0 0 57,907 6,549
Hershey COM 427866108 521 3,936 SH   SOLE 0 0 3,784 152
Home Depot COM 437076102 1,092 5,848 SH   SOLE 0 0 5,099 749
Honeywell Intl COM 438516106 834 6,234 SH   SOLE 0 0 6,189 45
IBM COM 459200101 551 4,972 SH   SOLE 0 0 4,251 721
Illinois Tool COM 452308109 300 2,116 SH   SOLE 0 0 2,116 0
Industrial SPDR COM 81369Y704 4,039 68,448 SH   SOLE 0 0 62,679 5,769
Intel Corp COM 458140100 2,869 53,020 SH   SOLE 0 0 39,404 13,616
Intl Paper COM 460146103 230 7,390 SH   SOLE 0 0 7,065 325
Intuit COM 461202103 622 2,705 SH   SOLE 0 0 2,705 0
Intuitive Surgical COM 46120E602 250 506 SH   SOLE 0 0 500 6
Invesco Div Achievers ETF 46137V506 705 28,599 SH   SOLE 0 0 28,599 0
Invesco Dyn Sofwater ETF 46137V639 269 3,142 SH   SOLE 0 0 3,142 0
Invesco Financial Pfd ETF 46137V621 232 13,743 SH   SOLE 0 0 13,743 0
Invesco QQQ ETF 46090E103 3,330 17,489 SH   SOLE 0 0 17,080 409
Inveso Buy Back Achievers ETF 46137V308 451 9,308 SH   SOLE 0 0 9,308 0
iSahres S&P 500 Value ETF 464287408 274 2,856 SH   SOLE 0 0 2,661 195
iShares Core Div Grwth ETF 46434V621 274 8,426 SH   SOLE 0 0 7,150 1,276
iShares Core High Div ETF 46429B663 269 3,770 SH   SOLE 0 0 3,570 200
iShares Core S&P Small ETF 464287804 1,134 20,227 SH   SOLE 0 0 17,815 2,412
iShares Core S&P US Stock ETF 464287150 6,125 107,068 SH   SOLE 0 0 103,073 3,995
Ishares CoreMSCI ETF 46432F834 2,411 51,290 SH   SOLE 0 0 46,452 4,838
iShares Edge MSCI Min Vol ETF 46429B697 579 10,729 SH   SOLE 0 0 10,113 616
iShares Edge MSCI Qlty Fac ETF 46432F339 567 7,001 SH   SOLE 0 0 7,001 0
ishares Emerg Mkts ETF 46434G103 2,490 61,541 SH   SOLE 0 0 55,595 5,946
iShares ESG MSCI USA ETF 46435G425 296 5,150 SH   SOLE 0 0 5,150 0
iShares MSCI USA Momentum ETF 46432F396 427 4,018 SH   SOLE 0 0 3,958 60
iShares NA Tech ETF 464287515 452 2,150 SH   SOLE 0 0 2,150 0
iShares Nasdaq Biotech ETF 464287556 274 2,549 SH   SOLE 0 0 2,549 0
iShares Nat'l Muni Bond ETF 464288414 253 2,242 SH   SOLE 0 0 2,242 0
iShares S&P 500 Indx ETF 464287200 227 881 SH   SOLE 0 0 871 10
iShares S&P Grwth ETF 464287309 272 1,653 SH   SOLE 0 0 1,653 0
iShares S&P Mid ETF 464287507 774 5,383 SH   SOLE 0 0 5,298 85
iShares Select Div ETF 464287168 736 10,014 SH   SOLE 0 0 9,536 478
iShares Sh-Term Nat'l ETF 464288158 232 2,191 SH   SOLE 0 0 2,191 0
iShres Core MSCI AEFE ETF 46432F842 3,043 61,006 SH   SOLE 0 0 52,486 8,520
J P Morgan COM 46625H100 1,226 13,628 SH   SOLE 0 0 9,557 4,071
Johnson & Johnson COM 478160104 5,239 39,956 SH   SOLE 0 0 33,617 6,339
Kellogg Company COM 487836108 340 5,682 SH   SOLE 0 0 4,918 764
Kimberly Clark COM 494368103 1,975 15,448 SH   SOLE 0 0 13,572 1,876
KLA Corp COM 482480100 201 1,400 SH   SOLE 0 0 1,400 0
Lockheed Martin COM 539830109 574 1,694 SH   SOLE 0 0 1,505 189
Lowes COM 548661107 1,132 13,162 SH   SOLE 0 0 11,949 1,213
M&T Bank Corp COM 55261F104 224 2,169 SH   SOLE 0 0 1,673 496
Masco COM 574599106 256 7,425 SH   SOLE 0 0 6,675 750
Mastercard COM 57636Q104 963 3,990 SH   SOLE 0 0 3,865 125
Materials Select SPDR ETF 81369Y100 702 15,591 SH   SOLE 0 0 13,722 1,869
McCormick COM 579780107 1,646 11,657 SH   SOLE 0 0 10,752 905
McDonalds COM 580135101 3,657 22,117 SH   SOLE 0 0 19,650 2,467
Medtronic Inc COM 585055106 336 3,430 SH   SOLE 0 0 1,926 1,504
Mercadolibre COM 58433R102 308 631 SH   SOLE 0 0 631 0
Merck COM 58933Y105 1,790 23,276 SH   SOLE 0 0 20,488 2,788
Metlife Inc COM 59156R108 379 12,417 SH   SOLE 0 0 10,892 1,525
Microchip Tech COM 595017104 226 3,345 SH   SOLE 0 0 2,795 550
Microsoft Corp COM 594918104 6,896 43,730 SH   SOLE 0 0 38,832 4,898
Mondelez COM 607209105 511 10,214 SH   SOLE 0 0 9,937 277
Netflix COM 64110L106 650 1,732 SH   SOLE 0 0 1,645 87
Nextera Energy COM 65339F101 947 3,936 SH   SOLE 0 0 3,936 0
Nike COM 654106103 2,908 35,149 SH   SOLE 0 0 30,379 4,770
Norfolk Southern COM 655844108 1,180 8,088 SH   SOLE 0 0 6,882 1,206
Northrop Grumman COM 666807102 1,229 4,062 SH   SOLE 0 0 3,361 701
Oracle Corp COM 68389X105 886 18,334 SH   SOLE 0 0 14,936 3,398
Parker Hannifin COM 701094104 214 1,653 SH   SOLE 0 0 1,303 350
Paychex COM 704326107 235 3,747 SH   SOLE 0 0 3,679 68
Paypal COM 70450Y103 325 3,398 SH   SOLE 0 0 3,382 16
PepsiCo COM 713448108 3,813 31,750 SH   SOLE 0 0 25,901 5,849
Pfizer COM 717081103 1,518 46,533 SH   SOLE 0 0 40,135 6,398
PhilipMorrisIntl COM 718172109 446 6,122 SH   SOLE 0 0 5,374 748
Phillips 66 COM 718546104 266 4,974 SH   SOLE 0 0 4,562 412
PNC Financial COM 693475105 235 2,463 SH   SOLE 0 0 2,363 100
PPG Ind COM 693506107 290 3,472 SH   SOLE 0 0 3,472 0
PPL Corp COM 69351T106 319 12,964 SH   SOLE 0 0 10,995 1,969
Procter & Gamble COM 742718109 4,750 43,183 SH   SOLE 0 0 37,183 6,000
Prudential Financial COM 744320102 561 10,777 SH   SOLE 0 0 10,077 700
Public Storage COM 74460D109 777 3,915 SH   SOLE 0 0 3,904 11
Real Estate Select SPDR ETF 81369Y860 1,889 60,953 SH   SOLE 0 0 50,076 10,877
Schwab Emrg Mkt ETF 808524706 1,483 71,696 SH   SOLE 0 0 64,804 6,892
Schwab Intl Equity ETF 808524805 3,119 120,707 SH   SOLE 0 0 109,315 11,392
Schwab Sh-Trm US Treas ETF 808524862 319 6,172 SH   SOLE 0 0 1,659 4,513
Schwab US Broad ETF 808524102 14,261 236,006 SH   SOLE 0 0 220,671 15,335
Schwab US Div Equity ETF 808524797 1,214 27,000 SH   SOLE 0 0 24,294 2,706
Schwab US Lg Cap ETF 808524201 3,879 63,331 SH   SOLE 0 0 59,578 3,753
Schwab US Mid-Cap ETF 808524508 525 12,452 SH   SOLE 0 0 11,797 655
Schwab US Sml Cap ETF 808524607 907 17,605 SH   SOLE 0 0 17,037 568
Schwb US Bond ETF 808524839 985 18,157 SH   SOLE 0 0 13,609 4,548
ServiceNow COM 81762P102 259 905 SH   SOLE 0 0 905 0
Sherwin Williams COM 824348106 505 1,100 SH   SOLE 0 0 1,100 0
SPDR DJIA ETF 78467X109 439 2,006 SH   SOLE 0 0 1,917 89
SPDR Nuv Barclays Capital ETF 78468R739 269 5,520 SH   SOLE 0 0 5,520 0
SPDR Portfolio Sm Ca; ETF 78468R853 1,908 87,364 SH   SOLE 0 0 86,070 1,294
SPDR S&P 400 Mid Cap ETF 78464A847 1,982 78,273 SH   SOLE 0 0 78,273 0
SPDR S&P 500 ETF 78464A854 5,186 171,467 SH   SOLE 0 0 167,208 4,259
SPDR S&P 500 ETF 78462F103 57,429 22,227 SH   SOLE 0 0 22,058 169
SPDR S&P MidCap 400 ETF 78467Y107 218 830 SH   SOLE 0 0 830 0
StanleyBlackDecker COM 854502101 431 4,315 SH   SOLE 0 0 4,114 201
Starbucks COM 855244109 1,273 19,369 SH   SOLE 0 0 16,598 2,771
Sun Communities COM 866674104 1,618 12,964 SH   SOLE 0 0 12,964 0
T Rowe Price Associates COM 74144T108 426 4,370 SH   SOLE 0 0 4,370 0
Target Inc COM 87612E106 876 9,427 SH   SOLE 0 0 8,103 1,324
Technology SPDR ETF 81369Y803 4,473 55,666 SH   SOLE 0 0 50,330 5,336
Travelers Co COM 89417E109 1,328 13,373 SH   SOLE 0 0 11,299 2,074
Truist Financial COM 89832Q109 250 8,111 SH   SOLE 0 0 7,704 407
Union Pacific COM 907818108 655 4,648 SH   SOLE 0 0 4,293 355
United Tech COM 913017109 870 9,225 SH   SOLE 0 0 7,640 1,585
Utilities SPDR ETF 81369Y886 1,982 35,770 SH   SOLE 0 0 30,923 4,847
V F Corporation COM 918204108 525 9,710 SH   SOLE 0 0 9,510 200
Vanguard Cons Spls ETF 92204A207 937 6,801 SH   SOLE 0 0 5,398 1,403
Vanguard ConsDiscr COM 92204A108 510 3,511 SH   SOLE 0 0 2,906 605
Vanguard Energy ETF 92204A306 586 15,338 SH   SOLE 0 0 14,614 724
Vanguard Fin ETF 92204A405 8,108 159,864 SH   SOLE 0 0 136,152 23,712
Vanguard FTSE ETF 922042775 3,272 79,784 SH   SOLE 0 0 73,114 6,670
Vanguard FTSE All World ETF 922042718 215 2,752 SH   SOLE 0 0 2,728 24
Vanguard FTSE Dev Mkt ETF 921943858 503 15,098 SH   SOLE 0 0 14,783 315
Vanguard Growth ETF 922908736 245 1,567 SH   SOLE 0 0 1,567 0
Vanguard Health ETF 92204A504 14,789 89,043 SH   SOLE 0 0 79,218 9,825
Vanguard Industrials ETF 92204A603 1,314 11,916 SH   SOLE 0 0 9,844 2,072
Vanguard InfoTech ETF 92204A702 29,024 136,973 SH   SOLE 0 0 119,491 17,482
Vanguard Interediate Govt ETF 92206C706 6,432 91,176 SH   SOLE 0 0 90,578 598
Vanguard Materials ETF 92204A801 374 3,894 SH   SOLE 0 0 3,289 605
Vanguard Mid Cap ETF 922908629 598 4,547 SH   SOLE 0 0 4,547 0
Vanguard S&P 500 ETF 922908363 818 3,457 SH   SOLE 0 0 3,457 0
Vanguard Sh-Term Corp ETF 92206C409 3,861 48,814 SH   SOLE 0 0 38,909 9,905
Vanguard SmallCap ETF 922908751 9,941 86,118 SH   SOLE 0 0 76,671 9,447
Vanguard Tax Ex Bond ETF 922907746 492 9,310 SH   SOLE 0 0 9,310 0
Vanguard Telecom ETF 92204A884 1,819 23,883 SH   SOLE 0 0 20,778 3,105
Vanguard Total Stk ETF 922908769 21,082 163,547 SH   SOLE 0 0 155,751 7,796
Vanguard Total World ETF 922042742 11,139 177,381 SH   SOLE 0 0 165,915 11,466
Vanguard Ttl Intl ETF 921909768 8,371 199,502 SH   SOLE 0 0 184,432 15,070
Vanguard Utilities ETF 92204A876 2,432 19,947 SH   SOLE 0 0 18,145 1,802
Vanguard Value ETF 922908744 663 7,452 SH   SOLE 0 0 7,452 0
Vanguarrd REIT ETF 922908553 998 14,297 SH   SOLE 0 0 13,636 661
Verizon Comm COM 92343V104 1,762 32,808 SH   SOLE 0 0 29,146 3,662
Vgrd Bd Short Term ETF 921937827 921 11,209 SH   SOLE 0 0 11,054 155
Vgrd Idx Total Bnd ETF 921937835 3,067 35,938 SH   SOLE 0 0 33,973 1,965
Vgrd Interm Bond ETF 921937819 412 4,623 SH   SOLE 0 0 4,623 0
Vguard Emer Mkt ETF 922042858 1,061 31,629 SH   SOLE 0 0 30,743 886
Vguard Lg Cap ETF 922908637 281 2,377 SH   SOLE 0 0 2,377 0
Visa CL A 92826C839 1,466 9,100 SH   SOLE 0 0 8,215 885
Walmart Stores COM 931142103 1,327 11,683 SH   SOLE 0 0 11,154 529
Walt Disney COM 254687106 3,741 38,732 SH   SOLE 0 0 33,867 4,865
Waste Mgmt COM 94106L109 1,065 11,507 SH   SOLE 0 0 9,425 2,082
WD-40 COM 929236107 235 1,175 SH   SOLE 0 0 1,175 0
WW Grainger COM 384802104 412 1,660 SH   SOLE 0 0 1,660 0
Yum China COM 98850P109 358 8,410 SH   SOLE 0 0 7,905 505
Yum! Brands Inc COM 988498101 1,314 19,187 SH   SOLE 0 0 16,565 2,622