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
Apple Inc. COMMON 037833100 4,740 342,967 SH   SOLE   342,028 0 939
Atlas Air Worldwide Hldg COMMON 049164205 134 1,397 SH   SOLE   1,397 0 0
AbbVie Inc. COMMON 00287Y109 1,245 9,278 SH   SOLE   9,278 0 0
Amerisource Bergen Corp. COMMON 03073E105 27 202 SH   SOLE   202 0 0
Airbnb Inc COMMON 009066101 7 68 SH   SOLE   68 0 0
Abbott Laboratories COMMON 002824100 1,174 12,138 SH   SOLE   12,029 0 109
Accenture Ltd Cl A F COMMON G1151C101 106 413 SH   SOLE   413 0 0
ACNB Corporation COMMON 000868109 28 938 SH   SOLE   938 0 0
Adobe Systems Inc. COMMON 00724F101 30 110 SH   SOLE   110 0 0
Analog Devices Inc. COMMON 032654105 22 160 SH   SOLE   160 0 0
Archer-Daniels-Midland Inc. COMMON 039483102 253 3,139 SH   SOLE   2,334 0 805
Auto Data Processing COMMON 053015103 305 1,347 SH   SOLE   1,347 0 0
Autodesk Inc COMMON 052769106 46 247 SH   SOLE   247 0 0
Amer Electric Pwr Co Inc COMMON 025537101 34 395 SH   SOLE   395 0 0
A F L A C Inc. COMMON 001055102 106 1,881 SH   SOLE   1,881 0 0
iShares Lehman Agg Bond Fd ETF ETF 464287226 1,091 11,324 SH   SOLE   11,324 0 0
American Int'l Group COMMON 026874784 5 100 SH   SOLE   100 0 0
Gallagher Arthur J & Co COMMON 363576109 142 828 SH   SOLE   828 0 0
Alexander & Baldwin Inc COMMON 014491104 20 1,190 SH   SOLE   1,190 0 0
Allstate COMMON 020002101 249 2,001 SH   SOLE   2,001 0 0
Allegion Public Ltd Co COMMON G0176J109 18 200 SH   SOLE   200 0 0
Alerus Finl Corp COMMON 01446U103 5 226 SH   SOLE   226 0 0
Antero Midstream Partners LP COMMON 03676B102 2 202 SH   SOLE   202 0 0
Applied Materials COMMON 038222105 55 674 SH   SOLE   674 0 0
Amc Networks Inc Cl A COMMON 00164V103 27 1,331 SH   SOLE   1,331 0 0
Advanced Micro Devices COMMON 007903107 56 890 SH   SOLE   890 0 0
Amgen Incorporated COMMON 031162100 324 1,439 SH   SOLE   1,439 0 0
Amkor Technology Inc COMMON 031652100 664 38,915 SH   SOLE   38,915 0 0
Ameriprise Financial Inc. COMMON 03076C106 39 153 SH   SOLE   109 0 44
America Movil L ADR COMMON 02364W105 59 3,600 SH   SOLE   3,600 0 0
Amazon.Com COMMON 023135106 2,390 21,153 SH   SOLE   20,590 0 563
A O N Corporation COMMON G0403H108 27 100 SH   SOLE   100 0 0
Air Products & Chemicals Inc. COMMON 009158106 360 1,549 SH   SOLE   1,549 0 0
Aptiv PLC COMMON G6095L109 17 216 SH   SOLE   125 0 91
ARK Next Generation Internet ETF ETF 00214Q401 4 98 SH   SOLE   98 0 0
Arrowhead Pharma Inc COMMON 04280A100 11 320 SH   SOLE   320 0 0
Asml Hldgs Nv COMMON N07059210 4 10 SH   SOLE   10 0 0
Astec Industries COMMON 046224101 110 3,531 SH   SOLE   3,531 0 0
Atmos Energy Corp COMMON 049560105 15 150 SH   SOLE   150 0 0
AptarGroup, Inc COMMON 038336103 560 5,888 SH   SOLE   5,825 0 63
Activision Inc. COMMON 00507V109 227 3,058 SH   SOLE   3,058 0 0
Avalon Bay Communities COMMON 053484101 4 21 SH   SOLE   21 0 0
Broadcom Ltd COMMON 11135F101 24 53 SH   SOLE   53 0 0
Avery Dennison COMMON 053611109 34 208 SH   SOLE   208 0 0
American Express Company COMMON 025816109 339 2,510 SH   SOLE   2,510 0 0
AstraZeneca plc ADR COMMON 046353108 961 17,519 SH   SOLE   17,386 0 133
Boeing Co. COMMON 097023105 1,793 14,809 SH   SOLE   14,562 0 247
Bank of America Corp COMMON 060505104 59 1,947 SH   SOLE   1,947 0 0
Booz Allen Hamilton Holding Corp COMMON 099502106 53 575 SH   SOLE   575 0 0
Bandwidth Inc COMMON 05988J103 9 730 SH   SOLE   730 0 0
Baxter International COMMON 071813109 534 9,922 SH   SOLE   9,922 0 0
BCE Inc. COMMON 05534B760 152 3,636 SH   SOLE   2,933 0 703
Black Rock Resources Tr COMMON 09257A108 10 1,163 SH   SOLE   1,163 0 0
Blackrock Ehncd Eqty Div COMMON 09251A104 9 1,100 SH   SOLE   1,100 0 0
Becton Dickinson & Co COMMON 075887109 127 568 SH   SOLE   568 0 0
Bar Harbor Bankshare COMMON 066849100 9 358 SH   SOLE   358 0 0
Baidu Inc ADR COMMON 056752108 191 1,623 SH   SOLE   1,623 0 0
Biogen Idec Inc COMMON 09062X103 160 601 SH   SOLE   601 0 0
ProShares Bitcoin Strategy ETF ETF 74347G440 6 500 SH   SOLE   500 0 0
Vanguard Interm. Bond Idx ETF ETF 921937819 32 429 SH   SOLE   429 0 0
Bank of New York Mellon COMMON 064058100 64 1,670 SH   SOLE   1,670 0 0
Booking Holdings Inc COMMON 09857L108 7 4 SH   SOLE   4 0 0
Blackrock Inc COMMON 09247X101 81 148 SH   SOLE   148 0 0
Bristol Myers COMMON 110122108 2,381 33,496 SH   SOLE   33,022 0 474
Vanguard Total U.S. Bond Market ETF ETF 921937835 28,499 399,534 SH   SOLE   389,590 0 9,944
Vanguard Total Int'l Bond Market ETF ETF 92203J407 15,149 317,380 SH   SOLE   310,884 0 6,496
BP plc ADR COMMON 055622104 15 528 SH   SOLE   528 0 0
Popular Inc COMMON 733174700 12 160 SH   SOLE   160 0 0
Broadridge Finl Solution COMMON 11133T103 101 700 SH   SOLE   700 0 0
Berkshire Hathaway Cl B COMMON 084670702 3,965 14,849 SH   SOLE   14,085 0 764
Vanguard Short-Term Bond ETF ETF 921937827 2,746 36,698 SH   SOLE   36,079 0 619
Anheuser Busch Co., Inc. COMMON 03524A108 8 186 SH   SOLE   186 0 0
Borg Warner Inc COMMON 099724106 568 18,090 SH   SOLE   18,090 0 0
Blackstone Group Lp COMMON 09260D107 12 148 SH   SOLE   148 0 0
Citigroup COMMON 172967424 160 3,839 SH   SOLE   3,839 0 0
China Automotive Systems Inc COMMON 16936R105 74 18,664 SH   SOLE   18,664 0 0
Cardinal Health Inc COMMON 14149Y108 4 58 SH   SOLE   58 0 0
Carrier Global Corp-Wi COMMON 14448C104 86 2,422 SH   SOLE   2,422 0 0
Caterpillar COMMON 149123101 1,470 8,956 SH   SOLE   8,956 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889 132 3,020 SH   SOLE   3,020 0 0
Chubb Limited COMMON H1467J104 299 1,642 SH   SOLE   1,642 0 0
CBRE Group Inc COMMON 12504L109 234 3,470 SH   SOLE   3,470 0 0
Community Bank System COMMON 203607106 514 8,556 SH   SOLE   7,656 0 900
Crown Castle International Corp COMMON 22822V101 60 417 SH   SOLE   417 0 0
Constellation Energy Co. COMMON 21037T109 14 163 SH   SOLE   163 0 0
CF Industries Holdings Inc COMMON 125269100 24 250 SH   SOLE   0 0 250
Chemed Corp. COMMON 16359R103 1,566 3,586 SH   SOLE   3,586 0 0
Charter Communications Inc COMMON 16119P108 75 248 SH   SOLE   248 0 0
Cigna Corp COMMON 125523100 233 838 SH   SOLE   838 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846 66 1,710 SH   SOLE   1,710 0 0
Cincinnati Financial Corp COMMON 172062101 35 390 SH   SOLE   390 0 0
Colgate-Palmolive COMMON 194162103 462 6,570 SH   SOLE   6,570 0 0
Core Laboratories N V COMMON N22717107 15 1,148 SH   SOLE   1,148 0 0
Clorox Company COMMON 189054109 13 100 SH   SOLE   100 0 0
Comerica Incorporated COMMON 200340107 142 2,000 SH   SOLE   2,000 0 0
Comcast Corp. COMMON 20030N101 179 6,117 SH   SOLE   6,117 0 0
CME Group Inc. COMMON 12572Q105 394 2,222 SH   SOLE   2,222 0 0
Cummins Inc COMMON 231021106 54 264 SH   SOLE   203 0 61
Centene Corp COMMON 15135B101 27 350 SH   SOLE   350 0 0
Canadian Natl Ry Co COMMON 136375102 21 192 SH   SOLE   192 0 0
Capital One Financial COMMON 14040H105 67 724 SH   SOLE   724 0 0
Conoco Phillips COMMON 20825C104 737 7,205 SH   SOLE   7,205 0 0
Costco COMMON 22160K105 4,631 9,806 SH   SOLE   9,558 0 248
Canadian Pacific COMMON 13645T100 39 582 SH   SOLE   582 0 0
Salesforce Com COMMON 79466L302 90 626 SH   SOLE   626 0 0
Cisco Systems, Inc. COMMON 17275R102 2,650 66,250 SH   SOLE   64,370 0 1,880
CSX Corp COMMON 126408103 116 4,339 SH   SOLE   4,339 0 0
Corteva Inc com COMMON 22052L104 27 475 SH   SOLE   475 0 0
CVS Corp COMMON 126650100 1,957 20,524 SH   SOLE   20,074 0 450
Chevron Corp. COMMON 166764100 683 4,754 SH   SOLE   4,608 0 146
Dominion Energy COMMON 25746U109 1,384 20,022 SH   SOLE   17,964 0 2,058
E I DuPont COMMON 26614N102 829 16,456 SH   SOLE   16,099 0 357
Deere & Company COMMON 244199105 866 2,595 SH   SOLE   2,595 0 0
Roundhill Acquirers Deep Value ETF ETF 26922A701 21 748 SH   SOLE   748 0 0
Diageo PLC ADR ADR 25243Q205 38 226 SH   SOLE   226 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836 35 620 SH   SOLE   620 0 0
Discover Financial Svcs COMMON 254709108 18 196 SH   SOLE   196 0 0
Dollar General COMMON 256677105 6 27 SH   SOLE   27 0 0
iShares Core Dividend Growth ETF ETF 46434V621 362 8,148 SH   SOLE   8,148 0 0
WisdomTree Emerg Mk SmCap ETF ETF 97717W281 202 5,061 SH   SOLE   3,974 0 1,087
D R Horton Co. COMMON 23331A109 4 58 SH   SOLE   58 0 0
Danaher Corp COMMON 235851102 39 150 SH   SOLE   150 0 0
SPDR Dow Jones Ind Avg ETF ETF 78467X109 86 300 SH   SOLE   300 0 0
Walt Disney Hldg COMMON 254687106 2,233 23,672 SH   SOLE   23,251 0 421
Dick's Sporting Goods Inc COMMON 253393102 1 8 SH   SOLE   8 0 0
Digital Realty Trust REIT REIT 253868103 195 1,970 SH   SOLE   1,970 0 0
Dover Corporation COMMON 260003108 42 362 SH   SOLE   362 0 0
Dow In COMMON 260557103 125 2,836 SH   SOLE   2,836 0 0
D T E Energy Co. COMMON 233331107 7 62 SH   SOLE   0 0 62
Duke Energy Corp. COMMON 26441C204 2,131 22,909 SH   SOLE   22,600 0 309
Devon Energy Corp COMMON 25179M103 10 167 SH   SOLE   167 0 0
iShares Select Dividend Idx ETF ETF 464287168 100 932 SH   SOLE   932 0 0
E Bay Inc. COMMON 278642103 14 368 SH   SOLE   368 0 0
Ecofin Global Water ESG COMMON 56167N753 38 1,146 SH   SOLE   1,146 0 0
Ecolab Inc. COMMON 278865100 39 270 SH   SOLE   222 0 48
Consolidated Edison Inc. COMMON 209115104 186 2,169 SH   SOLE   2,169 0 0
iShares MSCI Emerging Market ETF ETF 464287234 16 453 SH   SOLE   0 0 453
SPDR MSCI Emerg Fsl Fl Free ETF ETF 78470E205 391 7,371 SH   SOLE   7,371 0 0
iShares MSCI EAFE ETF ETF 464287465 201 3,593 SH   SOLE   3,593 0 0
SPDR MSCI EAFE Fsl Fuel Fr ETF ETF 78470E106 611 10,437 SH   SOLE   10,437 0 0
Edison International COMMON 281020107 304 5,377 SH   SOLE   5,377 0 0
Lauder Estee Co COMMON 518439104 5 25 SH   SOLE   25 0 0
Anthem Inc COMMON 036752103 174 383 SH   SOLE   383 0 0
Eastman Chemical Co. COMMON 277432100 14 200 SH   SOLE   200 0 0
EMQQ Emerging Markets Intrnt & Ecmrc ETF ETF 301505889 228 8,571 SH   SOLE   8,571 0 0
Emerson Electric Co. COMMON 291011104 1,438 19,637 SH   SOLE   18,937 0 700
E O G Resources Inc COMMON 26875P101 15 132 SH   SOLE   132 0 0
Enterprise Products Prtn LP COMMON 293792107 75 3,159 SH   SOLE   3,159 0 0
WisdomTree India Earnings ETF ETF 97717W422 81 2,665 SH   SOLE   2,665 0 0
Equinix Inc New COMMON 29444U700 4 7 SH   SOLE   7 0 0
Equity Residential Prop. REIT REIT 29476L107 241 3,589 SH   SOLE   3,589 0 0
Eversource Energy COMMON 30040W108 26 328 SH   SOLE   328 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516 238 4,233 SH   SOLE   4,233 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863 271 9,811 SH   SOLE   9,811 0 0
iShares ESG Aware MSCI USA ETF ETF 46435G425 211 2,651 SH   SOLE   2,651 0 0
Vanguard ESG US Stock ETF ETF 921910733 7,211 114,622 SH   SOLE   112,624 0 1,998
Energy Transfer Equity LP COMMON 29273V100 10 864 SH   SOLE   864 0 0
Eaton Corp. COMMON G29183103 244 1,829 SH   SOLE   1,829 0 0
East West Bancorp COMMON 27579R104 814 12,119 SH   SOLE   12,119 0 0
iShares MSCI Taiwan Index ETF ETF 46434G772 96 2,225 SH   SOLE   2,225 0 0
Expeditors Int'l of Washington COMMON 302130109 63 715 SH   SOLE   715 0 0
Ford Motor Company COMMON 345370860 32 2,819 SH   SOLE   2,819 0 0
Diamondback Energy Inc COMMON 25278X109 3 26 SH   SOLE   26 0 0
Aberdeen Asia Pac Income Fd COMMON 003009107 101 40,073 SH   SOLE   40,073 0 0
Fidus Investment Corp COMMON 316500107 11 635 SH   SOLE   635 0 0
Fedex Corporation COMMON 31428X106 841 5,667 SH   SOLE   5,667 0 0
Fidelity MSCI Health Care ETF ETF 316092600 45 785 SH   SOLE   0 0 785
SPDR Blmbg Barclays Inv Grd Flt Rt ETF ETF 78468R200 349 11,502 SH   SOLE   11,502 0 0
First Solar Inc COMMON 336433107 1,709 12,920 SH   SOLE   12,920 0 0
Fortinet Inc COMMON 34959E109 139 2,825 SH   SOLE   2,825 0 0
Fidelity MSCI Utilities ETF ETF 316092865 26 613 SH   SOLE   0 0 613
Liberty Formula One Group COMMON 531229854 6 105 SH   SOLE   105 0 0
iShares Tr China 25 Index ETF ETF 464287184 6 228 SH   SOLE   228 0 0
General Dynamics Corp. COMMON 369550108 7 33 SH   SOLE   33 0 0
Vaneck Vectors Gold Miners ETF ETF 92189F106 1,075 44,559 SH   SOLE   44,559 0 0
General Electric Co. COMMON 369604301 292 4,723 SH   SOLE   4,381 0 342
GlobalFoundries, Inc COMMON G39387108 3 65 SH   SOLE   65 0 0
Gilead Sciences Inc COMMON 375558103 126 2,041 SH   SOLE   2,041 0 0
Gilat Satellite Networks Ltd COMMON M51474118 69 12,881 SH   SOLE   12,881 0 0
General Mills, Inc. COMMON 370334104 139 1,817 SH   SOLE   1,817 0 0
SPDR Gold Trust ETF ETF 78463V107 1,598 10,333 SH   SOLE   10,333 0 0
Corning COMMON 219350105 3,871 133,389 SH   SOLE   132,441 0 948
General Motors COMMON 37045V100 16 500 SH   SOLE   500 0 0
Alphabet, Inc Cl C COMMON 02079K107 2,828 29,417 SH   SOLE   28,577 0 840
Alphabet, Inc. Cl A COMMON 02079K305 2,554 26,702 SH   SOLE   25,522 0 1,180
Genuine Parts Co COMMON 372460105 37 250 SH   SOLE   250 0 0
Garmin Ltd COMMON H2906T109 12 150 SH   SOLE   150 0 0
Goldman Sachs Group Inc COMMON 38141G104 286 975 SH   SOLE   975 0 0
Glaxo Smithkline ADR ADR 37733W204 13 448 SH   SOLE   448 0 0
Goodyear Tire & Rubber COMMON 382550101 1 101 SH   SOLE   101 0 0
Halliburton Company COMMON 406216101 33 1,359 SH   SOLE   1,359 0 0
Hannon Armstrong Sus REIT REIT 41068X100 13 418 SH   SOLE   418 0 0
Hanesbrands Inc. COMMON 410345102 175 25,156 SH   SOLE   23,156 0 2,000
Home Depot COMMON 437076102 523 1,896 SH   SOLE   1,896 0 0
Hess Corporation COMMON 42809H107 18 166 SH   SOLE   166 0 0
Honeywell International COMMON 438516106 2,012 12,050 SH   SOLE   11,786 0 264
Hormel Foods Corp COMMON 440452100 29 640 SH   SOLE   640 0 0
HSBC Holdings PLC ADR ADR 404280406 21 809 SH   SOLE   809 0 0
Hershey Foods Corp COMMON 427866108 201 912 SH   SOLE   912 0 0
Humana COMMON 444859102 593 1,222 SH   SOLE   1,222 0 0
iShares Core International Bond ETF ETF 46435G672 399 8,262 SH   SOLE   7,337 0 925
Ishares Gold ETF ETF 464285204 645 20,471 SH   SOLE   20,089 0 382
iShares NASDAQ Biotech ETF ETF 464287556 567 4,848 SH   SOLE   4,582 0 266
IBM Corp. COMMON 459200101 2,188 18,412 SH   SOLE   17,684 0 728
Intercontinental Exchange, Inc. COMMON 45866F104 5 50 SH   SOLE   50 0 0
iShares Global Clean Energy COMMON 464288224 222 11,643 SH   SOLE   11,643 0 0
Idexx Labs Inc. COMMON 45168D104 5 15 SH   SOLE   15 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 19 364 SH   SOLE   0 0 364
iShares Core MSCI ETF ETF 46434G103 496 11,551 SH   SOLE   10,263 0 1,288
iShares Tr S&P Europe 350 ETF ETF 464287861 11 300 SH   SOLE   300 0 0
India Fund COMMON 454089103 30 1,870 SH   SOLE   1,870 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638 52 1,080 SH   SOLE   1,080 0 0
Ishares Tr Sh Tr Corporate ETF ETF 464288646 18 368 SH   SOLE   368 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515 127 508 SH   SOLE   508 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507 133 605 SH   SOLE   434 0 171
iShares S&P Mid-Cap Grow ETF ETF 464287606 25 396 SH   SOLE   396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804 242 2,780 SH   SOLE   1,852 0 928
Imperial Oil Ltd COMMON 453038408 141 3,259 SH   SOLE   3,259 0 0
iShares MSCI India ETF ETF 46429B598 16 390 SH   SOLE   390 0 0
Ingredion Incorporated COMMON 457187102 1,077 13,377 SH   SOLE   13,312 0 65
Intel Corp. COMMON 458140100 476 18,476 SH   SOLE   18,338 0 138
Intuit COMMON 461202103 15 39 SH   SOLE   39 0 0
Iqvia Hldgs Inc COMMON 46266C105 7 36 SH   SOLE   36 0 0
Ingersoll Rand Inc COMMON 45687V106 20 454 SH   SOLE   454 0 0
Intuitive Surgical COMMON 46120E602 13 69 SH   SOLE   69 0 0
Integer Holdings Corp COMMON 45826H109 608 9,778 SH   SOLE   9,503 0 275
Illinois Tool Works COMMON 452308109 172 950 SH   SOLE   950 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869 71 451 SH   SOLE   451 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844 104 752 SH   SOLE   752 0 0
iShares S&P 500 Index ETF ETF 464287200 406 1,132 SH   SOLE   1,132 0 0
iShares Russell 1000 Val ETF ETF 464287598 3,732 27,446 SH   SOLE   27,446 0 0
iShares Russell 1000 Growth ETF ETF 464287614 47 223 SH   SOLE   223 0 0
Ishares Russell 2000 Value ETF ETF 464287630 19 151 SH   SOLE   151 0 0
iShares Russell 2000 Growth ETF ETF 464287648 11 54 SH   SOLE   54 0 0
iShares Russell Midcap Grth ETF ETF 464287481 57 726 SH   SOLE   726 0 0
iShares DJ US Financial ETF ETF 464287788 75 1,108 SH   SOLE   1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762 165 654 SH   SOLE   654 0 0
iShares Tr DJ U S Tech Sector ETF ETF 464287721 151 2,052 SH   SOLE   2,052 0 0
Jacobs Engineering Group Inc COMMON 46982L108 33 303 SH   SOLE   303 0 0
Jefferies Finl Group Inc COMMON 47233W109 24 810 SH   SOLE   810 0 0
JPMorgan Equity Premium Income ETF ETF 46641Q332 272 5,305 SH   SOLE   5,305 0 0
Johnson & Johnson COMMON 478160104 2,392 14,640 SH   SOLE   13,835 0 805
JP Morgan Chase & Co COMMON 46625H100 1,918 18,356 SH   SOLE   18,356 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837 44 881 SH   SOLE   881 0 0
Kraft Heinz Company COMMON 500754106 1,296 38,855 SH   SOLE   37,095 0 1,760
KLA-Tencor Corporation COMMON 482480100 48 157 SH   SOLE   157 0 0
Kimberly-Clark Corp. COMMON 494368103 232 2,058 SH   SOLE   2,058 0 0
Kinder Morgan Inc. COMMON 49456B101 5 317 SH   SOLE   317 0 0
CarMax Inc COMMON 143130102 42 635 SH   SOLE   635 0 0
Coca-Cola Co COMMON 191216100 3,317 59,215 SH   SOLE   57,597 0 1,618
SPDR S&P Regional Banking ETF ETF 78464A698 53 896 SH   SOLE   896 0 0
Kennedy-Wilson Holdings Inc COMMON 489398107 35 2,255 SH   SOLE   2,255 0 0
KraneShares CSI China Internet ETF ETF 500767306 15 611 SH   SOLE   611 0 0
Lennar Corp. Cl A COMMON 526057104 10 134 SH   SOLE   134 0 0
Laboratory Corp of America Hlds COMMON 50540R409 221 1,081 SH   SOLE   986 0 95
LHC Group Inc COMMON 50187A107 1,146 7,000 SH   SOLE   7,000 0 0
Linde plc COMMON G5494J103 34 125 SH   SOLE   125 0 0
Eli Lilly & Co. COMMON 532457108 1,396 4,317 SH   SOLE   4,317 0 0
Lockheed Martin COMMON 539830109 59 154 SH   SOLE   154 0 0
Lincoln National Corp. COMMON 534187109 31 699 SH   SOLE   699 0 0
Cheniere Energy Inc New COMMON 16411R208 12 73 SH   SOLE   73 0 0
Alliant Energy Corp COMMON 018802108 607 11,464 SH   SOLE   11,464 0 0
Lowes Companies Inc. COMMON 548661107 221 1,178 SH   SOLE   1,067 0 111
Lam Research COMMON 512807108 7 18 SH   SOLE   18 0 0
Lumen Technologies Inc COMMON 550241103 33 4,521 SH   SOLE   4,521 0 0
Lyft Inc COMMON 55087P104 35 2,647 SH   SOLE   2,647 0 0
Mastercard Inc COMMON 57636Q104 102 360 SH   SOLE   360 0 0
McDonald's Corp COMMON 580135101 562 2,435 SH   SOLE   2,435 0 0
Microchip Technology Inc. COMMON 595017104 5 90 SH   SOLE   90 0 0
McKesson Corp. COMMON 58155Q103 1,858 5,468 SH   SOLE   5,128 0 340
Mondelez Int'l Inc. COMMON 609207105 666 12,155 SH   SOLE   11,700 0 455
Medtronic Inc. COMMON G5960L103 2,194 27,174 SH   SOLE   26,706 0 468
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 191 475 SH   SOLE   275 0 200
MercadoLibre Inc COMMON 58733R102 3 4 SH   SOLE   4 0 0
Metlife Inc. COMMON 59156R108 15 250 SH   SOLE   250 0 0
Facebook Inc Class A COMMON 30303M102 82 605 SH   SOLE   605 0 0
Magna Intl Inc COMMON 559222401 9 200 SH   SOLE   200 0 0
ETFMG Alternative Harvest ETF ETF 26924G508 3 546 SH   SOLE   546 0 0
M K S Instruments Inc. COMMON 55306N104 528 6,384 SH   SOLE   6,384 0 0
MillerKnoll Inc COMMON 600544100 6 400 SH   SOLE   400 0 0
Marsh & McLennan Co's COMMON 571748102 54 362 SH   SOLE   362 0 0
3M Company COMMON 88579Y101 103 931 SH   SOLE   931 0 0
Magellan Midstream Ptnrs COMMON 559080106 8 163 SH   SOLE   163 0 0
Monster Beverage Corp COMMON 61174X109 24 273 SH   SOLE   273 0 0
Altria Group Inc. COMMON 02209S103 26 634 SH   SOLE   634 0 0
Marathon Petroleum Corp COMMON 56585A102 186 1,872 SH   SOLE   1,872 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100 14 1,300 SH   SOLE   1,300 0 0
Merck COMMON 58933Y105 4,286 49,764 SH   SOLE   48,225 0 1,539
Morgan Stanley Dean Witter COMMON 617446448 89 1,125 SH   SOLE   1,125 0 0
MSCI Inc COMMON 55354G100 10 23 SH   SOLE   23 0 0
Middlesex Water Co COMMON 596680108 23 300 SH   SOLE   300 0 0
Microsoft COMMON 594918104 9,647 41,422 SH   SOLE   40,317 0 1,105
Motorola Solutions Inc COMMON 620076307 25 113 SH   SOLE   113 0 0
M&T Bank Corp COMMON 55261F104 2,321 13,164 SH   SOLE   13,164 0 0
iShares MSCI USA Momentum Factor ETF ETF 46432F396 11 81 SH   SOLE   81 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866 2,212 44,136 SH   SOLE   36,200 0 7,936
Murphy USA Inc COMMON 626755102 15 55 SH   SOLE   55 0 0
NCR Corporation COMMON 62886E108 388 20,402 SH   SOLE   19,266 0 1,136
Nuveen AMT-Free Municipal Income Fund ETF 670657105 5 500 SH   SOLE   500 0 0
Nextera Energy COMMON 65339F101 558 7,113 SH   SOLE   7,113 0 0
NextEra Energy Partners LP COMMON 65341B106 15 203 SH   SOLE   203 0 0
Netflix Inc. COMMON 64110L106 24 100 SH   SOLE   100 0 0
National Grid Plc ADR ADR 636274409 216 4,192 SH   SOLE   4,192 0 0
Nike, Inc. COMMON 654106103 75 901 SH   SOLE   901 0 0
Annaly Capital Mgmt COMMON 035710839 5 270 SH   SOLE   270 0 0
Northrop Grumman Corp COMMON 666807102 60 128 SH   SOLE   128 0 0
ServiceNow Inc COMMON 81762P102 363 960 SH   SOLE   960 0 0
National Storage Aff REIT REIT 637870106 10 250 SH   SOLE   250 0 0
Norfolk Southern COMMON 655844108 329 1,567 SH   SOLE   1,567 0 0
Nutrien Ltd COMMON 67077M108 118 1,418 SH   SOLE   1,418 0 0
Nucor Corp COMMON 670346105 12 111 SH   SOLE   111 0 0
Nvidia Corp COMMON 67066G104 87 715 SH   SOLE   715 0 0
Novartis Ag ADR ADR 66987V109 61 801 SH   SOLE   801 0 0
Nvent Electric Plc Shs COMMON G6700G107 11 350 SH   SOLE   350 0 0
News Ltd Corp. Cl A ADR ADR 65249B109 4 255 SH   SOLE   255 0 0
Corp Office Pptys REIT REIT 22002T108 8 343 SH   SOLE   343 0 0
Organon & Co COMMON 68622V106 6 244 SH   SOLE   244 0 0
Oneok Inc New COMMON 682680103 476 9,284 SH   SOLE   9,284 0 0
Omnicom Group Inc COMMON 681919106 5 77 SH   SOLE   77 0 0
Oracle COMMON 68389X105 75 1,226 SH   SOLE   1,226 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107 64 1,010 SH   SOLE   1,010 0 0
Ovintiv Ord COMMON 69047Q102 9 189 SH   SOLE   189 0 0
Occidental Petroleum Corp. COMMON 674599105 11 175 SH   SOLE   175 0 0
Ranpack Holdings COMMON 75321W103 25 7,199 SH   SOLE   7,199 0 0
Palo Alto Networks COMMON 697435105 73 447 SH   SOLE   447 0 0
Paychex Inc. COMMON 704326107 49 435 SH   SOLE   435 0 0
Healthpeak Properties Ord COMMON 42250P103 2 82 SH   SOLE   82 0 0
Public Sv Enterprise COMMON 744573106 147 2,618 SH   SOLE   2,618 0 0
Pepsico, Inc. COMMON 713448108 938 5,745 SH   SOLE   5,745 0 0
Pfizer Inc. COMMON 717081103 4,277 97,744 SH   SOLE   95,588 0 2,156
iShares S&P U S Pfd Stk ETF ETF 464288687 5 153 SH   SOLE   153 0 0
Procter & Gamble COMMON 742718109 1,732 13,718 SH   SOLE   13,260 0 458
Progressive Corp COMMON 743315103 75 647 SH   SOLE   647 0 0
Parker Hannifin Corp COMMON 701094104 147 607 SH   SOLE   607 0 0
Kon Philips Electric NV COMMON 500472303 48 3,134 SH   SOLE   3,134 0 0
Powershares Global Water Fund ETF ETF 46137V142 90 1,969 SH   SOLE   1,969 0 0
Invesco Global Water ETF ETF 46138E651 51 1,764 SH   SOLE   1,764 0 0
Prologis Reit COMMON 74340W103 10 100 SH   SOLE   100 0 0
Philip Morris Intl Inc COMMON 718172109 114 1,378 SH   SOLE   1,378 0 0
PNC Financial Services Group Inc. COMMON 693475105 238 1,594 SH   SOLE   1,594 0 0
P P G Industries Inc. COMMON 693506107 188 1,696 SH   SOLE   1,696 0 0
PPL Corporation COMMON 69351T106 8 306 SH   SOLE   306 0 0
Powershares FTSE RAFI ETF ETF 46137V613 90 650 SH   SOLE   650 0 0
Public Storage, Inc. COMMON 74460D109 99 339 SH   SOLE   339 0 0
Phillips 66 SHS COMMON 718546104 317 3,926 SH   SOLE   3,926 0 0
Prudential PLC COMMON 74435K204 10 485 SH   SOLE   485 0 0
Quanta Services Inc COMMON 74762E102 63 496 SH   SOLE   496 0 0
Paypal Holdings COMMON 70450Y103 57 663 SH   SOLE   663 0 0
Qualcomm Inc. COMMON 747525103 18 162 SH   SOLE   162 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103 110 413 SH   SOLE   413 0 0
VictoryShares Nasdaq Next 50 ETF ETF 92647X806 2 77 SH   SOLE   77 0 0
Qorvo Inc COMMON 74736K101 974 12,264 SH   SOLE   12,264 0 0
Dr Reddys Labs ADR ADR 256135203 311 5,935 SH   SOLE   5,935 0 0
Regeneron Pharmaceuticals Inc COMMON 75886F107 21 30 SH   SOLE   30 0 0
iShares MSCI Global Gold Miners ETF ETF 46434G855 59 3,153 SH   SOLE   3,153 0 0
Royce Micro-Cap Trust COMMON 780915104 26 3,283 SH   SOLE   3,283 0 0
Rockwell Automation COMMON 773903109 171 796 SH   SOLE   796 0 0
Roper Industries Inc COMMON 776696106 1,592 4,428 SH   SOLE   4,322 0 106
Republic Services Inc COMMON 760759100 85 626 SH   SOLE   626 0 0
Rydex S&P 500 Eq Wgt ETF ETF 46137V357 18 145 SH   SOLE   145 0 0
Raytheon Technologies Ord COMMON 75513E101 336 4,103 SH   SOLE   4,103 0 0
Sabre Corporation COMMON 78573M104 31 5,976 SH   SOLE   5,976 0 0
Starbucks COMMON 855244109 2,108 25,023 SH   SOLE   24,255 0 768
Schwab US Small-Cap ETF ETF 808524607 4 119 SH   SOLE   119 0 0
Schwab U.S. Broad Market ETF ETF 808524102 70,112 1,669,741 SH   SOLE   1,646,881 0 22,860
Schwab US Div Equity ETF ETF 808524797 39 585 SH   SOLE   198 0 387
Schwab Emerging Mkt ETF ETF 808524706 80 3,576 SH   SOLE   3,576 0 0
Schwab Int'l Equity ETF ETF 808524805 9,838 349,751 SH   SOLE   346,519 0 3,232
Schwab US Mid-Cap ETF ETF 808524508 5 80 SH   SOLE   80 0 0
Schwab U.S. Tips ETF ETF 808524870 196 3,780 SH   SOLE   3,780 0 0
Schwab Intermediate US Treasury ETF ETF 808524854 220 4,485 SH   SOLE   4,485 0 0
Schwab Large Cap Value Indx ETF ETF 808524409 81 1,390 SH   SOLE   1,390 0 0
The Charles Schwab Corp. COMMON 808513105 8,017 111,546 SH   SOLE   108,628 0 2,918
Schwab US Large-Cap ETF ETF 808524201 3 80 SH   SOLE   80 0 0
Schwab U.S. Bond ETF ETF 808524839 1 30 SH   SOLE   30 0 0
SPDR S&P Dividend ETF ETF 78464A763 137 1,232 SH   SOLE   1,232 0 0
Stitch Fix Inc COMMON 860897107 2 483 SH   SOLE   483 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104 6 400 SH   SOLE   400 0 0
Shell plc COMMON 780259305 379 7,609 SH   SOLE   7,609 0 0
Shopify Inc COMMON 82509L107 12 450 SH   SOLE   450 0 0
SK Telecom Ltd ADR ADR 78440P306 23 1,214 SH   SOLE   1,214 0 0
Skywest Inc COMMON 830879102 33 2,057 SH   SOLE   2,057 0 0
First Trust Cloud Computing ETF ETF 33734X192 64 1,059 SH   SOLE   1,059 0 0
Schlumberger Limited COMMON 806857108 1,750 48,743 SH   SOLE   48,357 0 386
iShares 0-5 Year Invmt Grade Corp Bd ETF ETF 46434V100 29 605 SH   SOLE   605 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300 48 720 SH   SOLE   720 0 0
Snap Inc COMMON 83304A106 2 200 SH   SOLE   200 0 0
Sanofi Aventis ADR ADR 80105N105 2 54 SH   SOLE   54 0 0
Southern Company COMMON 842587107 405 5,955 SH   SOLE   5,955 0 0
Sonoco Products COMMON 835495102 239 4,219 SH   SOLE   3,452 0 767
Sony Group Corp COMMON 835699307 1,062 16,577 SH   SOLE   16,091 0 486
S & P Global Inc COMMON 78409V104 4 13 SH   SOLE   13 0 0
Splunk Inc COMMON 848637104 1,046 13,912 SH   SOLE   13,859 0 53
Spotify Technology SA COMMON L8681T102 3 40 SH   SOLE   40 0 0
SPDR S&P 500 ETF ETF 78462F103 1,180 3,305 SH   SOLE   2,391 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796 1,118 12,826 SH   SOLE   12,826 0 0
Stericycle Inc COMMON 858912108 73 1,729 SH   SOLE   1,729 0 0
Sempra Energy COMMON 816851109 15 101 SH   SOLE   101 0 0
Steris Corp. COMMON G8473T100 249 1,500 SH   SOLE   1,500 0 0
State Street Corp. COMMON 857477103 2 37 SH   SOLE   37 0 0
Seagate Technology PLC COMMON G7997R103 3,047 57,251 SH   SOLE   55,812 0 1,439
Constellation Brand Cl Aclass A COMMON 21036P108 28 123 SH   SOLE   123 0 0
Suncor Energy Inc. COMMON 867224107 9 324 SH   SOLE   324 0 0
Skyworks Solutions Inc. COMMON 83088M102 36 421 SH   SOLE   421 0 0
Standex Int'l Corp. COMMON 854231107 42 520 SH   SOLE   520 0 0
Synchrony Financial COMMON 87165B103 180 6,387 SH   SOLE   6,387 0 0
Stryker Corp. COMMON 863667101 50 245 SH   SOLE   245 0 0
Sysco Corp. COMMON 871829107 129 1,826 SH   SOLE   1,826 0 0
AT&T Inc. COMMON 00206R102 633 41,261 SH   SOLE   41,261 0 0
Toronto-Dominion Bank COMMON 891160509 652 10,634 SH   SOLE   10,634 0 0
Teradata Corp COMMON 88076W103 37 1,200 SH   SOLE   1,200 0 0
Truist Finl Corp Com COMMON 89832Q109 30 683 SH   SOLE   683 0 0
SPDR Nuveen Barclays Muni Bd ETF ETF 78468R721 199 4,527 SH   SOLE   3,428 0 1,099
Target Corp. COMMON 87612E106 132 891 SH   SOLE   755 0 136
Thor Industries Inc COMMON 885160101 385 5,508 SH   SOLE   5,508 0 0
iShares TIPS Bond ETF ETF 464287176 1,274 12,149 SH   SOLE   11,365 0 784
TJX Companies Inc COMMON 872540109 13 206 SH   SOLE   206 0 0
Ishares 20 Yr Treas. Barclays ETF ETF 464287432 36 351 SH   SOLE   351 0 0
Thermo Fisher Scientific COMMON 883556102 434 855 SH   SOLE   855 0 0
T-Mobile US Inc COMMON 872590104 7 51 SH   SOLE   51 0 0
Travel Leisure Ord COMMON 894164102 15 452 SH   SOLE   452 0 0
Cambria Cannabis ETF ETF 132061821 1 100 SH   SOLE   100 0 0
TPI Composites Inc COMMON 87266J104 169 14,952 SH   SOLE   14,952 0 0
Tapestry Inc COMMON 876030107 3 112 SH   SOLE   112 0 0
Thomson Reuters Corp COMMON 884903709 144 1,402 SH   SOLE   1,402 0 0
Trustmark Corp. COMMON 898402102 2,663 86,931 SH   SOLE   86,931 0 0
The Travelers Companies Inc. COMMON 89417E109 774 5,053 SH   SOLE   5,053 0 0
Tesla Motors COMMON 88160R101 47 177 SH   SOLE   177 0 0
Taiwan Semiconductor ADR ADR 874039100 5,088 74,219 SH   SOLE   72,502 0 1,717
Trane Technologies PLC COMMON G8994E103 235 1,625 SH   SOLE   1,625 0 0
Tata Motors Ltd ADR ADR 876568502 394 16,237 SH   SOLE   16,237 0 0
Take Two Interactv Sftwr COMMON 874054109 22 205 SH   SOLE   205 0 0
Texas Instruments Inc. COMMON 882508104 291 1,880 SH   SOLE   1,880 0 0
United Continental Holdings Inc COMMON 910047109 6 183 SH   SOLE   183 0 0
Uber Technologies Inc COMMON 90353T100 15 550 SH   SOLE   550 0 0
UDR Inc COMMON 902653104 50 1,196 SH   SOLE   1,196 0 0
Unilever PLC ADR ADR 904767704 349 7,959 SH   SOLE   7,959 0 0
Unitedhealth Group Inc. COMMON 91324P102 179 354 SH   SOLE   354 0 0
Union Pacific COMMON 907818108 239 1,226 SH   SOLE   944 0 282
United Parcel Service COMMON 911312106 116 721 SH   SOLE   721 0 0
U S Bancorp COMMON 902973304 50 1,250 SH   SOLE   1,250 0 0
Visa Inc COMMON 92826C839 2,311 13,010 SH   SOLE   12,907 0 103
Vale SA COMMON 91912E105 27 2,000 SH   SOLE   2,000 0 0
Vanguard Small Cap Etf ETF 922908751 25 145 SH   SOLE   145 0 0
Vanguard Small Cap Growth ETF ETF 922908595 81 414 SH   SOLE   414 0 0
Vanguard Small Cap Value ETF ETF 922908611 45 314 SH   SOLE   314 0 0
Vanguard ESG US Corporate Bond ETF ETF 921910691 3,479 58,593 SH   SOLE   57,234 0 1,359
Vanguard Interm-Temp Corp Bd ETF ETF 92206C870 20 269 SH   SOLE   269 0 0
Vanguard Corp Bond ETF ETF 92206C409 4 54 SH   SOLE   54 0 0
Vanguard Developed Market ETF ETF 921943858 19,958 548,890 SH   SOLE   536,980 0 11,910
Vanguard FTSE All World ex US ETF ETF 922042775 235 5,304 SH   SOLE   5,304 0 0
V F Corp. COMMON 918204108 76 2,537 SH   SOLE   2,537 0 0
Vanguard Financials ETF ETF 92204A405 39 526 SH   SOLE   526 0 0
Vanguard Short-Term Treasury ETF ETF 92206C102 2,115 36,599 SH   SOLE   36,002 0 597
Vanguard Info Technology ETF ETF 92204A702 60 194 SH   SOLE   55 0 139
Vanguard Health Care ETF ETF 92204A504 237 1,061 SH   SOLE   1,061 0 0
Vanguard Div Appreciation ETF ETF 921908844 549 4,059 SH   SOLE   4,059 0 0
Valero Energy ETF 91913Y100 1,822 17,052 SH   SOLE   16,478 0 574
Vanguard REIT ETF ETF 922908553 117 1,457 SH   SOLE   1,457 0 0
Vanguard Mid Cap Etf ETF 922908629 35 188 SH   SOLE   188 0 0
Vanguard Mid Cap Value ETF ETF 922908512 54 440 SH   SOLE   440 0 0
Vanguard 500 ETF ETF 922908363 974 2,966 SH   SOLE   2,966 0 0
Vanguard Mid-Cap Growth ETF ETF 922908538 29 171 SH   SOLE   171 0 0
Vanguard FTSE Pacific ETF ETF 922042866 5 91 SH   SOLE   91 0 0
Vertex Pharmaceuticals COMMON 92532F100 22 75 SH   SOLE   75 0 0
Vanguard ESG International Stock ETF ETF 921910725 4,907 112,951 SH   SOLE   110,989 0 1,962
Vistra Energy Corp COMMON 92840M102 42 1,993 SH   SOLE   1,993 0 0
Vanguard Total World Stock ETF ETF 922042742 8 102 SH   SOLE   102 0 0
Vanguard Muni Bond ETF ETF 922907746 2,392 49,680 SH   SOLE   41,121 0 8,559
Vanguard Total Stk Mkt ETF ETF 922908769 3,236 18,032 SH   SOLE   17,771 0 261
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805 374 7,782 SH   SOLE   7,008 0 774
Ventas REIT Inc REIT 92276F100 642 15,979 SH   SOLE   15,979 0 0
Vanguard Value Index ETF ETF 922908744 222 1,794 SH   SOLE   1,794 0 0
Vangard Russell 2000 ETF ETF 92206C664 26 386 SH   SOLE   386 0 0
Vanguard Growth ETF ETF 922908736 1,068 4,991 SH   SOLE   4,991 0 0
Vanguard Ultra-Short Bond ETF ETF 92203C303 11 215 SH   SOLE   215 0 0
Vanguard Large-Cap ETF ETF 922908637 7 43 SH   SOLE   43 0 0
Vanguard Emerging Market ETF ETF 922042858 12,098 331,531 SH   SOLE   326,330 0 5,201
Vanguard High Dividend Yd ETF ETF 921946406 173 1,825 SH   SOLE   1,825 0 0
Verizon Communications Inc. COMMON 92343V104 2,309 60,805 SH   SOLE   59,881 0 924
Walgreens Boots Alli COMMON 931427108 25 800 SH   SOLE   800 0 0
Warner Bros. Discovery, Inc. COMMON 934423104 7 610 SH   SOLE   610 0 0
WEC Energy Group COMMON 92939U106 368 4,119 SH   SOLE   4,119 0 0
Welltower Inc REIT REIT 95040Q104 96 1,500 SH   SOLE   1,500 0 0
Wells Fargo & Co COMMON 949746101 19 482 SH   SOLE   482 0 0
Wyndham Hotels & Resorts Inc COMMON 98311A105 28 452 SH   SOLE   452 0 0
Whirlpool COMMON 963320106 906 6,723 SH   SOLE   6,723 0 0
Wal-Mart Stores COMMON 931142103 544 4,196 SH   SOLE   4,196 0 0
W. P. Carey & Co. LLC COMMON 92936U109 133 1,902 SH   SOLE   1,902 0 0
WPP COMMON 92937A102 2,231 54,157 SH   SOLE   53,444 0 713
Wash Real Est Inv Tr MD REIT REIT 939653101 12 665 SH   SOLE   665 0 0
Watsco Inc COMMON 942622200 21 80 SH   SOLE   80 0 0
Essential utilities ord COMMON 29670G102 130 3,142 SH   SOLE   3,142 0 0
Watts Water Technologies COMMON 942749102 117 931 SH   SOLE   573 0 358
Western Union Co COMMON 959802109 319 23,646 SH   SOLE   22,211 0 1,435
Wolverine World Wide Inc. COMMON 978097103 283 18,374 SH   SOLE   18,374 0 0
Weyerhaeuser Company COMMON 962166104 683 23,923 SH   SOLE   23,923 0 0
SPDR S&P Biotech ETF ETF 78464A870 1,593 20,086 SH   SOLE   19,743 0 343
Xcel Energy Inc. COMMON 98389B100 135 2,102 SH   SOLE   2,102 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100 21 312 SH   SOLE   312 0 0
Sector Spdr Fincl Select ETF 81369Y605 63 2,088 SH   SOLE   2,088 0 0
Sector SPDR Tech Select Shares ETF 81369Y803 277 2,331 SH   SOLE   2,331 0 0
SPDR Utility Select Sec ETF ETF 81369Y886 58 892 SH   SOLE   892 0 0
Sector SPDR Health Fd Shares ETF 81369Y209 2 15 SH   SOLE   15 0 0
SPDR Consumer Disc Select ETF ETF 81369Y407 43 302 SH   SOLE   302 0 0
Exxon Mobil Corporation COMMON 30231G102 1,798 20,592 SH   SOLE   19,112 0 1,480
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF ETF 97717X578 12 475 SH   SOLE   475 0 0
Xylem Inc COMMON 98419M100 205 2,344 SH   SOLE   2,344 0 0
Yum! Brands, Inc. COMMON 988498101 62 585 SH   SOLE   585 0 0
Yum China Hldgs Inc Com COMMON 98850P109 1,180 24,928 SH   SOLE   24,792 0 136
Zimmer Biomet Holdings Inc. COMMON 98956P102 16 153 SH   SOLE   153 0 0
Zoetis Inc COMMON 98978V103 27 179 SH   SOLE   179 0 0