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
Barings Corporate Investors (M BDFUND 06759X107 6,482 384,366 SH   SOLE   192,183 0 192,183
Barings Participation Inv (MPV BDFUND 06761A103 1,211 75,066 SH   SOLE   37,533 0 37,533
Invesco Bullestshares 2021 (BS BDFUND 46138J700 701 32,990 SH   SOLE   16,495 0 16,495
Invesco Bullet Shares 2022 (BS BDFUND 46138J882 1,949 90,630 SH   SOLE   45,315 0 45,315
Invesco Bulletshares 2023 Corp BDFUND 46138J866 1,784 83,720 SH   SOLE   41,860 0 41,860
Metropolitan West Total Return BDFUND 592905103 387 35,359 SH   SOLE   17,680 0 17,680
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,196 33,874 SH   SOLE   16,937 0 16,937
SPDR Inv't Grade Floating Rate BDFUND 78468R200 18,171 591,300 SH   SOLE   295,650 0 295,650
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,380 68,824 SH   SOLE   34,412 0 34,412
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 749 14,800 SH   SOLE   7,400 0 7,400
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 3,494 65,400 SH   SOLE   32,700 0 32,700
Schwab US Tips ETF (SCHP) BDFUND 808524870 2,649 46,770 SH   SOLE   23,385 0 23,385
VanEck Vectors AMT-Free Shrt M BDFUND 92189F528 1,263 71,000 SH   SOLE   35,500 0 35,500
Vanguard Intermediate Corp Bon BDFUND 92206C870 13,519 148,028 SH   SOLE   74,014 0 74,014
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 27,415 338,334 SH   SOLE   169,167 0 169,167
iShares Floating Rate Note Fun BDFUND 46429B655 474 9,300 SH   SOLE   4,650 0 4,650
iShares National Muni Bond (MU BDFUND 464288414 9,365 82,210 SH   SOLE   41,105 0 41,105
iShares ST Corp Bond (IGSB) BDFUND 464288646 8,125 151,510 SH   SOLE   75,755 0 75,755
iShares Short Term Nat'l Muni BDFUND 464288158 8,873 83,100 SH   SOLE   41,550 0 41,550
iShares TIPS Bond Fund (TIP) BDFUND 464287176 5,971 51,222 SH   SOLE   25,611 0 25,611
Healthpeak Prop (PEAK) REIT 42250P103 1,752 50,820 SH   SOLE   25,410 0 25,410
Schwab REIT ETF (SCHH) REIT 808524847 1,285 27,950 SH   SOLE   13,975 0 13,975
Vanguard REIT Index ETF (VNQ) REIT 922908553 1,186 12,782 SH   SOLE   6,391 0 6,391
Weyerhauser (WY) REIT 962166104 3,558 117,830 SH   SOLE   58,915 0 58,915
3M Company (MMM) COM 88579Y101 1,374 7,786 SH   SOLE   3,893 0 3,893
A F L A C Inc. (AFL) COM 001055102 1,121 21,200 SH   SOLE   10,600 0 10,600
AT&T Inc. (T) COM 00206R102 1,759 45,012 SH   SOLE   22,506 0 22,506
Abbott Laboratories (ABT) COM 002824100 3,375 38,858 SH   SOLE   19,429 0 19,429
Abbvie Inc (ABBV) COM 00287Y109 1,653 18,667 SH   SOLE   9,333 0 9,333
Accenture PLC (ACN) COM G1151C101 832 3,950 SH   SOLE   1,975 0 1,975
Air Prod & Chemicals (APD) COM 009158106 443 1,884 SH   SOLE   942 0 942
Alphabet Class A (GOOGL) COM 02079K305 849 634 SH   SOLE   317 0 317
Alphabet Class C (GOOG) COM 02079K107 4,543 3,398 SH   SOLE   1,699 0 1,699
Amazon Com Inc (AMZN) COM 023135106 4,719 2,554 SH   SOLE   1,277 0 1,277
Amcor PLC ADR (AMCR) COM Q03080100 934 86,134 SH   SOLE   43,067 0 43,067
Amgen Incorporated (AMGN) COM 031162100 644 2,670 SH   SOLE   1,335 0 1,335
Apple Computer (AAPL) COM 037833100 10,654 36,281 SH   SOLE   18,141 0 18,141
ArQule Inc (ARQL) COM 04269E107 750 37,572 SH   SOLE   18,786 0 18,786
Auto Data Processing (ADP) COM 053015103 771 4,520 SH   SOLE   2,260 0 2,260
Autodesk Inc. (ADSK) COM 052769106 2,614 14,250 SH   SOLE   7,125 0 7,125
BWX Technologies (BWXT) COM 05605H100 878 14,150 SH   SOLE   7,075 0 7,075
Bank of America Corp. (BAC) COM 060505104 548 15,546 SH   SOLE   7,773 0 7,773
Bank of Montreal (BMO) COM 063671101 2,147 27,700 SH   SOLE   13,850 0 13,850
Bank of New York (BK) COM 064058100 501 9,950 SH   SOLE   4,975 0 4,975
Baxter Int'l (BAX) COM 071813109 467 5,580 SH   SOLE   2,790 0 2,790
Becton Dickinson (BDX) COM 075887109 685 2,520 SH   SOLE   1,260 0 1,260
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,329 14,696 SH   SOLE   7,348 0 7,348
BioTelemetry (BEAT) COM 090672106 1,126 24,310 SH   SOLE   12,155 0 12,155
Boeing Company (BA) COM 097023105 831 2,550 SH   SOLE   1,275 0 1,275
Bristol-Myers Squibb (BMY) COM 110122108 1,328 20,694 SH   SOLE   10,347 0 10,347
CVS Health Corp. (CVS) COM 126650100 2,684 36,128 SH   SOLE   18,064 0 18,064
Canadian National Railway (CNI COM 136375102 497 5,500 SH   SOLE   2,750 0 2,750
Celanese (CE) COM 150870103 1,838 14,930 SH   SOLE   7,465 0 7,465
Check Point Software Tech (CHK COM M22465104 1,910 17,210 SH   SOLE   8,605 0 8,605
Chevron Corp (CVX) COM 166764100 2,108 17,490 SH   SOLE   8,745 0 8,745
Cincinnati Financial (CINF) COM 172062101 682 6,490 SH   SOLE   3,245 0 3,245
Cisco Systems Inc. (CSCO) COM 17275R102 3,629 75,676 SH   SOLE   37,838 0 37,838
Coca Cola Company (KO) COM 191216100 1,190 21,500 SH   SOLE   10,750 0 10,750
Colgate-Palmolive Co. (CL) COM 194162103 1,185 17,220 SH   SOLE   8,610 0 8,610
Comcast Corp NEW CL A (CMCSA) COM 20030N101 1,609 35,776 SH   SOLE   17,888 0 17,888
DR Horton (DHI) COM 23331a109 615 11,650 SH   SOLE   5,825 0 5,825
Danaher Corp (DHR) COM 235851102 720 4,690 SH   SOLE   2,345 0 2,345
Disney Walt Hldg. Co. (DIS) COM 254687106 3,887 26,879 SH   SOLE   13,439 0 13,439
Dominion Energy Inc (D) COM 25746U109 509 6,150 SH   SOLE   3,075 0 3,075
Dow Chemical (DOW) COM 260557103 623 11,380 SH   SOLE   5,690 0 5,690
E.I. DuPont DeNemours (DD) COM 263534109 672 10,464 SH   SOLE   5,232 0 5,232
ETFMG Prime Cyber Security ETF COM 26924G201 1,192 28,720 SH   SOLE   14,360 0 14,360
Enbridge Inc. (ENB) COM 29250N105 407 10,236 SH   SOLE   5,118 0 5,118
Estee Lauder Companies, CL A ( COM 518439104 454 2,200 SH   SOLE   1,100 0 1,100
Exact Sciences (EXAS) COM 30063P105 1,986 21,470 SH   SOLE   10,735 0 10,735
Exxon Mobil (XOM) COM 30231G102 5,043 72,266 SH   SOLE   36,133 0 36,133
Fastenal Company (FAST) COM 311900104 683 18,472 SH   SOLE   9,236 0 9,236
General Mills, Inc. (GIS) COM 370334104 671 12,520 SH   SOLE   6,260 0 6,260
Glaxosmithkline PLC ADRF (GSK) COM 37733W105 437 9,304 SH   SOLE   4,652 0 4,652
Globalstar Inc. (GSAT) COM 378973408 34 66,380 SH   SOLE   33,190 0 33,190
Graco Inc (GGG) COM 384109104 1,108 21,306 SH   SOLE   10,653 0 10,653
Hamilton Beach Brands Cl A (HB COM 40701T104 1,209 63,278 SH   SOLE   31,639 0 31,639
Hamilton Beach Brands Cl B Res COM 40701T203 1,327 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101 1,107 21,206 SH   SOLE   10,603 0 10,603
Home Depot Inc. (HD) COM 437076102 2,821 12,916 SH   SOLE   6,458 0 6,458
Honeywell International (HON) COM 438516106 1,708 9,650 SH   SOLE   4,825 0 4,825
Hormel Foods (HRL) COM 440452100 1,635 36,251 SH   SOLE   18,126 0 18,126
Hyster-Yale Materials Handling COM 449172105 3,598 61,022 SH   SOLE   30,511 0 30,511
Illinois Tool Works Inc (ITW) COM 452308109 1,345 7,490 SH   SOLE   3,745 0 3,745
Inogen, Inc (INGN) COM 45780L104 808 11,822 SH   SOLE   5,911 0 5,911
Intel Corp. (INTC) COM 458140100 4,446 74,294 SH   SOLE   37,147 0 37,147
Intl Business Machines (IBM) COM 459200101 430 3,210 SH   SOLE   1,605 0 1,605
Invesco Water Resource Port (P COM 46137V142 1,242 32,150 SH   SOLE   16,075 0 16,075
J P Morgan Chase & Co (JPM) COM 46625H100 3,564 25,564 SH   SOLE   12,782 0 12,782
J.M. Smuckers Co (SJM) COM 832696405 1,385 13,300 SH   SOLE   6,650 0 6,650
JetBlue Airways Corp (JBLU) COM 477143101 976 52,150 SH   SOLE   26,075 0 26,075
Johnson & Johnson (JNJ) COM 478160104 4,524 31,016 SH   SOLE   15,508 0 15,508
Kohlberg Kravis & Co (KKR) COM 48251W104 2,694 92,350 SH   SOLE   46,175 0 46,175
Korn Ferry International (KFY) COM 500643200 1,096 25,850 SH   SOLE   12,925 0 12,925
LeMaitre Vascular (LMAT) COM 525558201 760 21,140 SH   SOLE   10,570 0 10,570
Levelblox (LVBX) COM 52730P102 1 25,000 SH   SOLE   12,500 0 12,500
Lilly Eli & Company (LLY) COM 532457108 1,725 13,126 SH   SOLE   6,563 0 6,563
Lockheed Martin Corp (LMT) COM 539830109 470 1,206 SH   SOLE   603 0 603
Lowes Companies Inc. (LOW) COM 548661107 431 3,600 SH   SOLE   1,800 0 1,800
McDonalds Corp (MCD) COM 580135101 1,154 5,842 SH   SOLE   2,921 0 2,921
Merck & Co Inc. (MRK) COM 589331107 1,834 20,164 SH   SOLE   10,082 0 10,082
Microsoft Corp. (MSFT) COM 594918104 6,498 41,205 SH   SOLE   20,602 0 20,602
Moodys Corp. (MCO) COM 615369105 475 2,000 SH   SOLE   1,000 0 1,000
Nacco Inds Inc CL A (NC) COM 629579103 1,670 35,666 SH   SOLE   17,833 0 17,833
NextEra Energy (NEE) COM 65339F101 1,601 6,610 SH   SOLE   3,305 0 3,305
Norfolk Southern Cop (NSC) COM 655844108 485 2,500 SH   SOLE   1,250 0 1,250
Oracle Corp. (ORCL) COM 68389X105 742 13,996 SH   SOLE   6,998 0 6,998
PPL Corporation (PPL) COM 69351T106 559 15,568 SH   SOLE   7,784 0 7,784
PepsiCo Inc. (PEP) COM 713448108 4,000 29,266 SH   SOLE   14,633 0 14,633
Pfizer Inc (PFE) COM 717081103 2,532 64,613 SH   SOLE   32,306 0 32,306
Phillips 66 (PSX) COM 718546104 1,683 15,104 SH   SOLE   7,552 0 7,552
Procter & Gamble (PG) COM 742718109 3,161 25,308 SH   SOLE   12,654 0 12,654
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,150 27,380 SH   SOLE   13,690 0 13,690
SPDR Biotech ETF (XBI) COM 78464A870 461 4,850 SH   SOLE   2,425 0 2,425
SYNNEX Corp (SNX) COM 87162W100 902 7,000 SH   SOLE   3,500 0 3,500
Schlumberger Ltd (SLB) COM 806857108 1,244 30,950 SH   SOLE   15,475 0 15,475
Scotts Company (SMG) COM 810186106 855 8,050 SH   SOLE   4,025 0 4,025
Smith & Nephew (SNN) COM 83175M205 1,610 33,500 SH   SOLE   16,750 0 16,750
Sonoco Products (SON) COM 835495102 1,913 31,000 SH   SOLE   15,500 0 15,500
Southwest Airlines (LUV) COM 844741108 982 18,200 SH   SOLE   9,100 0 9,100
Standard Motor Products (SMP) COM 853666105 820 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109 698 7,940 SH   SOLE   3,970 0 3,970
State Street Corp (STT) COM 857477103 1,210 15,300 SH   SOLE   7,650 0 7,650
Stryker Corp. (SYK) COM 863667101 632 3,010 SH   SOLE   1,505 0 1,505
Sysco Corp. (SYY) COM 871829107 2,528 29,550 SH   SOLE   14,775 0 14,775
T Rowe Price Group (TROW) COM 74144T108 913 7,490 SH   SOLE   3,745 0 3,745
TJX Cos Inc (TJX) COM 872540109 3,781 61,924 SH   SOLE   30,962 0 30,962
Taiwan Semiconductor ADRF Spon COM 874039100 1,275 21,950 SH   SOLE   10,975 0 10,975
Target Corporation (TGT) COM 87612E106 2,015 15,718 SH   SOLE   7,859 0 7,859
Texas Instruments Inc (TXN) COM 882508104 1,049 8,180 SH   SOLE   4,090 0 4,090
The Trading Desk Inc (TTD) COM 88339J105 566 2,180 SH   SOLE   1,090 0 1,090
Travelers Companies Inc. (TRV) COM 89417E109 452 3,300 SH   SOLE   1,650 0 1,650
Trex Inc (TREX) COM 89531P105 1,972 21,940 SH   SOLE   10,970 0 10,970
Truist Financial (TFC) COM 89832Q109 771 13,690 SH   SOLE   6,845 0 6,845
Tyson Foods (TSN) COM 902494103 1,179 12,950 SH   SOLE   6,475 0 6,475
US Bancorp (USB) COM 902973304 2,683 45,250 SH   SOLE   22,625 0 22,625
Ulta Beauty (ULTA) COM 903845303 1,410 5,570 SH   SOLE   2,785 0 2,785
Unilever NV NY SHS NEWF (UN) COM 904784709 899 15,640 SH   SOLE   7,820 0 7,820
Union Pacific Corp. (UNP) COM 907818108 703 3,886 SH   SOLE   1,943 0 1,943
United Technologies (UTX) COM 913017109 3,814 25,468 SH   SOLE   12,734 0 12,734
Unitedhealth Group Inc. (UNH) COM 91324P102 911 3,100 SH   SOLE   1,550 0 1,550
VMware (VMW) COM 928563402 483 3,180 SH   SOLE   1,590 0 1,590
Verisk Analytics (VRSK) COM 92345Y106 1,952 13,070 SH   SOLE   6,535 0 6,535
Verizon Communications (VZ) COM 92343V104 2,891 47,084 SH   SOLE   23,542 0 23,542
Visa Inc (V) COM 92826C839 914 4,864 SH   SOLE   2,432 0 2,432
WalMart Inc. (WMT) COM 931142103 528 4,444 SH   SOLE   2,222 0 2,222
Wells Fargo & Co. (WFC) COM 949746101 1,786 33,206 SH   SOLE   16,603 0 16,603
Western Union Company (WU) COM 959802109 481 17,950 SH   SOLE   8,975 0 8,975
Zimmer Biomet Holdings Inc. (Z COM 98956P102 814 5,436 SH   SOLE   2,718 0 2,718
IShares S&P 100 Index (OEF) ETF 464287101 764 5,300 SH   SOLE   2,650 0 2,650
Invesco S&P 500 Equal Weighted ETF 46137V357 4,199 36,285 SH   SOLE   18,143 0 18,143
Invesco S&P 500 Low Vol ETF (S ETF 46138E354 957 16,400 SH   SOLE   8,200 0 8,200
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 829 18,828 SH   SOLE   9,414 0 9,414
SPDR S&P 500 High Div ETF (SPY ETF 78468r788 1,880 47,650 SH   SOLE   23,825 0 23,825
SPDR S&P Dividend ETF (SDY) ETF 78464A763 807 7,500 SH   SOLE   3,750 0 3,750
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 14,955 39,840 SH   SOLE   19,920 0 19,920
SPDR Trust S&P 500 (SPY) ETF 78462F103 576 1,790 SH   SOLE   895 0 895
Schwab Large Cap Growth ETF (S ETF 808524300 7,107 76,488 SH   SOLE   38,244 0 38,244
Schwab Large Cap US ETF (SCHX) ETF 808524201 1,535 19,980 SH   SOLE   9,990 0 9,990
Schwab US Broad Market ETF (SC ETF 808524102 5,287 68,770 SH   SOLE   34,385 0 34,385
Schwab US Dividend Equity (SCH ETF 808524797 496 8,560 SH   SOLE   4,280 0 4,280
Schwab US Mid Cap ETF (SCHM) ETF 808524508 9,850 163,760 SH   SOLE   81,880 0 81,880
Schwab US Small Cap ETF (SCHA) ETF 808524607 6,954 91,940 SH   SOLE   45,970 0 45,970
Vanguard Extended Market Index ETF 922908652 621 4,930 SH   SOLE   2,465 0 2,465
Vanguard Mid Cap ETF (VO) ETF 922908629 909 5,100 SH   SOLE   2,550 0 2,550
Vanguard S&P 500 ETF (VOO) ETF 922908363 6,922 23,400 SH   SOLE   11,700 0 11,700
Vanguard Small Cap Growth (VBK ETF 922908595 2,901 14,600 SH   SOLE   7,300 0 7,300
iShares S&P US Preferred Stock ETF 464288687 3,021 80,370 SH   SOLE   40,185 0 40,185
I Shares India 50 ETF (INDY) ETF 464289529 2,841 73,570 SH   SOLE   36,785 0 36,785
IShares Min Volatility EAFE In ETF 43429B689 692 9,290 SH   SOLE   4,645 0 4,645
IShares S&P Global 100 ETF (IO ETF 464287572 879 16,300 SH   SOLE   8,150 0 8,150
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 1,066 22,990 SH   SOLE   11,495 0 11,495
SPDR International Dividend ET ETF 78463X772 462 11,504 SH   SOLE   5,752 0 5,752
Schwab Emerging Markets ETF (S ETF 808524706 3,183 116,300 SH   SOLE   58,150 0 58,150
Schwab International Equity ET ETF 808524805 9,733 289,400 SH   SOLE   144,700 0 144,700
Vanguard Total World Stock Mar ETF 922042742 771 9,520 SH   SOLE   4,760 0 4,760
iShares MSCI Canada Index Fund ETF 464286509 893 29,880 SH   SOLE   14,940 0 14,940
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 3,819 55,002 SH   SOLE   27,501 0 27,501