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 6,487 417,186 SH   SOLE   208,593 0 208,593
Barings Participation Inv (MPV BDFUND 06761A103 999 72,416 SH   SOLE   36,208 0 36,208
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747 2,635 24,950 SH   SOLE   12,475 0 12,475
IShares Core 1-5 Year Bond ETF BDFUND 46432F859 490 9,600 SH   SOLE   4,800 0 4,800
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318 780 30,000 SH   SOLE   15,000 0 15,000
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697 560 20,800 SH   SOLE   10,400 0 10,400
Income Fund of America (AMECX) BDFUND 453320103 403 15,912 SH   SOLE   7,956 0 7,956
Invesco Bullestshares 2021 (BS BDFUND 46138J700 825 39,100 SH   SOLE   19,550 0 19,550
Invesco Bullet Shares 2022 (BS BDFUND 46138J882 4,958 230,270 SH   SOLE   115,135 0 115,135
Invesco Bulletshares 2023 Corp BDFUND 46138J866 6,241 288,000 SH   SOLE   144,000 0 144,000
Invesco Bulletshares 2024 (BSC BDFUND 46138J841 5,425 245,380 SH   SOLE   122,690 0 122,690
Invesco Bulletshares 2025 Corp BDFUND 46138J825 917 41,300 SH   SOLE   20,650 0 20,650
Invesco Bulletshares 2026 Corp BDFUND 46138J791 437 20,400 SH   SOLE   10,200 0 10,200
Invesco Bulletshares Corp 2027 BDFUND 46138J783 404 18,520 SH   SOLE   9,260 0 9,260
Metropolitan West Total Return BDFUND 592905103 388 35,359 SH   SOLE   17,680 0 17,680
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,509 41,324 SH   SOLE   20,662 0 20,662
SPDR Inv't Grade Floating Rate BDFUND 78468R200 18,385 599,650 SH   SOLE   299,825 0 299,825
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,970 80,374 SH   SOLE   40,187 0 40,187
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 1,738 33,700 SH   SOLE   16,850 0 16,850
SPDR ST Corp Bond ETF (SPSB) BDFUND 78464A474 432 13,820 SH   SOLE   6,910 0 6,910
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 6,346 116,950 SH   SOLE   58,475 0 58,475
Schwab US Tips ETF (SCHP) BDFUND 808524870 6,267 100,150 SH   SOLE   50,075 0 50,075
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528 1,478 82,100 SH   SOLE   41,050 0 41,050
Vanguard Intermediate Corp Bon BDFUND 92206C870 14,286 151,322 SH   SOLE   75,661 0 75,661
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 37,090 450,062 SH   SOLE   225,031 0 225,031
Vanguard Tax-Exempt Bond Index BDFUND 922907746 1,262 23,050 SH   SOLE   11,525 0 11,525
iShares 1-5 yr Inv Grade Corp BDFUND 464288646 11,120 203,510 SH   SOLE   101,755 0 101,755
iShares National Muni Bond (MU BDFUND 464288414 10,706 92,160 SH   SOLE   46,080 0 46,080
iShares Short Term Nat'l Muni BDFUND 464288158 8,234 76,550 SH   SOLE   38,275 0 38,275
iShares TIPS Bond Fund (TIP) BDFUND 464287176 6,574 51,487 SH   SOLE   25,743 0 25,743
Healthpeak Prop (PEAK) REIT 42250P103 1,487 44,400 SH   SOLE   22,200 0 22,200
Schwab REIT ETF (SCHH) REIT 808524847 1,242 27,200 SH   SOLE   13,600 0 13,600
Vanguard REIT Index ETF (VNQ) REIT 922908553 1,157 11,370 SH   SOLE   5,685 0 5,685
Weyerhauser (WY) REIT 962166104 3,606 101,370 SH   SOLE   50,685 0 50,685
3M Company (MMM) COM 88579Y101 1,268 7,230 SH   SOLE   3,615 0 3,615
A F L A C Inc. (AFL) COM 001055102 1,048 20,100 SH   SOLE   10,050 0 10,050
AT&T Inc. (T) COM 00206R102 1,192 44,128 SH   SOLE   22,064 0 22,064
Abbott Laboratories (ABT) COM 002824100 3,779 31,992 SH   SOLE   15,996 0 15,996
Abbvie Inc (ABBV) COM 00287Y109 1,895 17,567 SH   SOLE   8,783 0 8,783
Accenture PLC (ACN) COM G1151C101 1,059 3,310 SH   SOLE   1,655 0 1,655
Advanced Micro Devices Inc (AM COM 007903107 811 7,880 SH   SOLE   3,940 0 3,940
Aerovironment (AVAV) COM 008073108 607 7,030 SH   SOLE   3,515 0 3,515
Air Prod & Chemicals (APD) COM 009158106 493 1,926 SH   SOLE   963 0 963
Alphabet Class A (GOOGL) COM 02079K305 1,460 546 SH   SOLE   273 0 273
Alphabet Class C (GOOG) COM 02079K107 7,692 2,886 SH   SOLE   1,443 0 1,443
Amazon Com Inc (AMZN) COM 023135106 6,984 2,126 SH   SOLE   1,063 0 1,063
Amcor PLC ADR (AMCR) COM Q03080100 842 72,622 SH   SOLE   36,311 0 36,311
Amgen Incorporated (AMGN) COM 031162100 442 2,080 SH   SOLE   1,040 0 1,040
Apple Computer (AAPL) COM 037833100 14,352 101,427 SH   SOLE   50,714 0 50,714
Auto Data Processing (ADP) COM 053015103 899 4,496 SH   SOLE   2,248 0 2,248
Autodesk Inc. (ADSK) COM 052769106 2,897 10,160 SH   SOLE   5,080 0 5,080
BWX Technologies (BWXT) COM 05605H100 617 11,450 SH   SOLE   5,725 0 5,725
Bank of America Corp. (BAC) COM 060505104 901 21,228 SH   SOLE   10,614 0 10,614
Bank of Montreal (BMO) COM 063671101 1,467 14,710 SH   SOLE   7,355 0 7,355
Bank of New York (BK) COM 064058100 526 10,150 SH   SOLE   5,075 0 5,075
Baxter Int'l (BAX) COM 071813109 449 5,580 SH   SOLE   2,790 0 2,790
Becton Dickinson (BDX) COM 075887109 593 2,412 SH   SOLE   1,206 0 1,206
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,275 12,000 SH   SOLE   6,000 0 6,000
Boeing Company (BA) COM 097023105 641 2,914 SH   SOLE   1,457 0 1,457
Bristol-Myers Squibb (BMY) COM 110122108 1,165 19,684 SH   SOLE   9,842 0 9,842
CSG Systems Int'l (CSGS) COM 126349109 805 16,710 SH   SOLE   8,355 0 8,355
CVS Health Corp. (CVS) COM 126650100 2,943 34,686 SH   SOLE   17,343 0 17,343
Canadian National Railway (CNI COM 136375102 434 3,750 SH   SOLE   1,875 0 1,875
Carrier Global Corp (CARR) COM 14448C104 1,626 31,408 SH   SOLE   15,704 0 15,704
Celanese (CE) COM 150870103 1,975 13,110 SH   SOLE   6,555 0 6,555
Check Point Software Tech (CHK COM M22465104 2,190 19,370 SH   SOLE   9,685 0 9,685
Chevron Corp (CVX) COM 166764100 2,019 19,902 SH   SOLE   9,951 0 9,951
Chewy (CHWY) COM 16679L109 1,476 21,670 SH   SOLE   10,835 0 10,835
Cincinnati Financial (CINF) COM 172062101 730 6,390 SH   SOLE   3,195 0 3,195
Cisco Systems Inc. (CSCO) COM 17275R102 4,675 85,884 SH   SOLE   42,942 0 42,942
Coca Cola Company (KO) COM 191216100 1,796 34,232 SH   SOLE   17,116 0 17,116
Colgate-Palmolive Co. (CL) COM 194162103 1,109 14,678 SH   SOLE   7,339 0 7,339
Comcast Corp NEW CL A (CMCSA) COM 20030N101 2,795 49,968 SH   SOLE   24,984 0 24,984
Concentrix Corp (CNXC) COM 20602D101 973 5,500 SH   SOLE   2,750 0 2,750
DR Horton (DHI) COM 23331a109 1,053 12,540 SH   SOLE   6,270 0 6,270
Danaher Corp (DHR) COM 235851102 1,389 4,564 SH   SOLE   2,282 0 2,282
Disney Walt Hldg. Co. (DIS) COM 254687106 4,185 24,738 SH   SOLE   12,369 0 12,369
Dominion Energy Inc (D) COM 25746U109 442 6,050 SH   SOLE   3,025 0 3,025
Duke Energy Corp. (DUK) COM 26441C204 686 7,032 SH   SOLE   3,516 0 3,516
ETFMG Prime Cyber Security ETF COM 26924G201 1,623 26,690 SH   SOLE   13,345 0 13,345
Electronic Arts (EA) COM 285512109 438 3,080 SH   SOLE   1,540 0 1,540
Estee Lauder Companies, CL A ( COM 518439104 495 1,650 SH   SOLE   825 0 825
Exact Sciences (EXAS) COM 30063P105 2,278 23,870 SH   SOLE   11,935 0 11,935
Exxon Mobil (XOM) COM 30231G102 3,312 56,304 SH   SOLE   28,152 0 28,152
Fastenal Company (FAST) COM 311900104 684 13,260 SH   SOLE   6,630 0 6,630
General Mills, Inc. (GIS) COM 370334104 707 11,824 SH   SOLE   5,912 0 5,912
General Motors New (GM) COM 37045V100 454 8,614 SH   SOLE   4,307 0 4,307
Gilead Sciences Inc. (GILD) COM 375558103 412 5,900 SH   SOLE   2,950 0 2,950
Globalstar Inc. (GSAT) COM 378973408 212 127,180 SH   SOLE   63,590 0 63,590
Graco Inc (GGG) COM 384109104 1,085 15,500 SH   SOLE   7,750 0 7,750
Hamilton Beach Brands Cl A (HB COM 40701T104 1,060 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203 1,088 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101 1,785 24,186 SH   SOLE   12,093 0 12,093
Home Depot Inc. (HD) COM 437076102 3,304 10,064 SH   SOLE   5,032 0 5,032
Honeywell International (HON) COM 438516106 2,109 9,934 SH   SOLE   4,967 0 4,967
Hormel Foods (HRL) COM 440452100 1,185 28,901 SH   SOLE   14,451 0 14,451
Hyster-Yale Materials Handling COM 449172105 3,039 60,472 SH   SOLE   30,236 0 30,236
Illinois Tool Works Inc (ITW) COM 452308109 1,372 6,640 SH   SOLE   3,320 0 3,320
Illumina (ILMN) COM 452327109 405 998 SH   SOLE   499 0 499
Intel Corp. (INTC) COM 458140100 4,132 77,548 SH   SOLE   38,774 0 38,774
Intl Business Machines (IBM) COM 459200101 478 3,438 SH   SOLE   1,719 0 1,719
Invesco Water Resource Port (P COM 46137V142 1,549 28,300 SH   SOLE   14,150 0 14,150
J P Morgan Chase & Co (JPM) COM 46625H100 4,118 25,156 SH   SOLE   12,578 0 12,578
J.M. Smuckers Co (SJM) COM 832696405 1,606 13,380 SH   SOLE   6,690 0 6,690
Johnson & Johnson (JNJ) COM 478160104 4,811 29,790 SH   SOLE   14,895 0 14,895
Kohlberg Kravis & Co (KKR) COM 48251W104 3,863 63,450 SH   SOLE   31,725 0 31,725
Korn Ferry International (KFY) COM 500643200 734 10,150 SH   SOLE   5,075 0 5,075
Landstar System (LSTR) COM 515098101 553 3,506 SH   SOLE   1,753 0 1,753
LeMaitre Vascular (LMAT) COM 525558201 523 9,850 SH   SOLE   4,925 0 4,925
Lilly Eli & Company (LLY) COM 532457108 2,233 9,666 SH   SOLE   4,833 0 4,833
Lowes Companies Inc. (LOW) COM 548661107 732 3,610 SH   SOLE   1,805 0 1,805
McDonalds Corp (MCD) COM 580135101 1,348 5,592 SH   SOLE   2,796 0 2,796
Merck & Co Inc. (MRK) COM 589331107 2,086 27,772 SH   SOLE   13,886 0 13,886
Microsoft Corp. (MSFT) COM 594918104 8,585 30,453 SH   SOLE   15,226 0 15,226
Mondelez (MDLZ) COM 609207105 406 6,980 SH   SOLE   3,490 0 3,490
Moodys Corp. (MCO) COM 615369105 675 1,900 SH   SOLE   950 0 950
Morgan Stanley (MS) COM 617446448 546 5,612 SH   SOLE   2,806 0 2,806
Nacco Inds Inc CL A (NC) COM 629579103 769 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101 1,815 23,118 SH   SOLE   11,559 0 11,559
Norfolk Southern Cop (NSC) COM 655844108 526 2,200 SH   SOLE   1,100 0 1,100
Oracle Corp. (ORCL) COM 68389X105 1,536 17,624 SH   SOLE   8,812 0 8,812
Otis Worldwide (OTIS) COM 68902V107 644 7,826 SH   SOLE   3,913 0 3,913
PNC Financial Services (PNC) COM 693475105 529 2,702 SH   SOLE   1,351 0 1,351
PayPal Holdings (PYPL) COM 70450Y103 782 3,004 SH   SOLE   1,502 0 1,502
PepsiCo Inc. (PEP) COM 713448108 4,019 26,722 SH   SOLE   13,361 0 13,361
Pfizer Inc (PFE) COM 717081103 2,955 68,703 SH   SOLE   34,351 0 34,351
Phillips 66 (PSX) COM 718546104 1,268 18,106 SH   SOLE   9,053 0 9,053
Procter & Gamble (PG) COM 742718109 3,171 22,684 SH   SOLE   11,342 0 11,342
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,537 23,860 SH   SOLE   11,930 0 11,930
Raytheon Technologies (RTX) COM 75513E101 2,911 33,870 SH   SOLE   16,935 0 16,935
Regions Financial Corp (RF) COM 7591EP100 539 25,300 SH   SOLE   12,650 0 12,650
SPDR Biotech ETF (XBI) COM 78464A870 497 3,950 SH   SOLE   1,975 0 1,975
SYNNEX Corp (SNX) COM 87162W100 677 6,500 SH   SOLE   3,250 0 3,250
Salesforce.com (CRM) COM 79466L302 1,426 5,256 SH   SOLE   2,628 0 2,628
Scotts Company (SMG) COM 810186106 1,023 6,990 SH   SOLE   3,495 0 3,495
Smith & Nephew (SNN) COM 83175M205 1,001 29,150 SH   SOLE   14,575 0 14,575
Sonoco Products (SON) COM 835495102 1,960 32,900 SH   SOLE   16,450 0 16,450
Southwest Airlines (LUV) COM 844741108 1,231 23,930 SH   SOLE   11,965 0 11,965
Standard Motor Products (SMP) COM 853666105 673 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109 1,017 9,220 SH   SOLE   4,610 0 4,610
State Street Corp (STT) COM 857477103 741 8,750 SH   SOLE   4,375 0 4,375
Stryker Corp. (SYK) COM 863667101 691 2,620 SH   SOLE   1,310 0 1,310
Sysco Corp. (SYY) COM 871829107 2,577 32,832 SH   SOLE   16,416 0 16,416
T Rowe Price Group (TROW) COM 74144T108 1,290 6,556 SH   SOLE   3,278 0 3,278
TJX Cos Inc (TJX) COM 872540109 3,726 56,472 SH   SOLE   28,236 0 28,236
Taiwan Semiconductor ADRF Spon COM 874039100 1,574 14,100 SH   SOLE   7,050 0 7,050
Target Corporation (TGT) COM 87612E106 2,395 10,468 SH   SOLE   5,234 0 5,234
Tesla Inc (TSLA) COM 88160R101 799 1,030 SH   SOLE   515 0 515
Texas Instruments Inc (TXN) COM 882508104 1,345 7,000 SH   SOLE   3,500 0 3,500
The Blackstone Group (BX) COM 09260D107 684 5,880 SH   SOLE   2,940 0 2,940
The Trade Desk Inc (TTD) COM 88339J105 900 12,800 SH   SOLE   6,400 0 6,400
Trex Inc (TREX) COM 89531P105 2,987 29,300 SH   SOLE   14,650 0 14,650
Truist Financial (TFC) COM 89832Q109 454 7,738 SH   SOLE   3,869 0 3,869
Tyson Foods (TSN) COM 902494103 426 5,400 SH   SOLE   2,700 0 2,700
US Bancorp (USB) COM 902973304 2,849 47,926 SH   SOLE   23,963 0 23,963
Ulta Beauty (ULTA) COM 903845303 1,852 5,130 SH   SOLE   2,565 0 2,565
Unilever PLC ADR New F (UL) COM 904767704 1,058 19,504 SH   SOLE   9,752 0 9,752
Union Pacific Corp. (UNP) COM 907818108 677 3,454 SH   SOLE   1,727 0 1,727
Unitedhealth Group Inc. (UNH) COM 91324P102 1,282 3,282 SH   SOLE   1,641 0 1,641
VMware (VMW) COM 928563402 422 2,840 SH   SOLE   1,420 0 1,420
Vericel (VCEL) COM 92346J108 428 8,770 SH   SOLE   4,385 0 4,385
Verisk Analytics (VRSK) COM 92345Y106 2,319 11,580 SH   SOLE   5,790 0 5,790
Verizon Communications (VZ) COM 92343V104 2,516 46,576 SH   SOLE   23,288 0 23,288
Visa Inc (V) COM 92826C839 2,729 12,250 SH   SOLE   6,125 0 6,125
WD 40 Co (WDFC) COM 929236107 2,268 9,796 SH   SOLE   4,898 0 4,898
WalMart Inc. (WMT) COM 931142103 707 5,070 SH   SOLE   2,535 0 2,535
Zimmer Biomet Holdings Inc. (Z COM 98956P102 822 5,618 SH   SOLE   2,809 0 2,809
Zoetis Inc (ZTS) COM 98978V103 2,489 12,820 SH   SOLE   6,410 0 6,410
IShares S&P 100 Index (OEF) ETF 464287101 879 4,450 SH   SOLE   2,225 0 2,225
Invesco S&P 500 Equal Weighted ETF 46137V357 4,655 31,071 SH   SOLE   15,536 0 15,536
Invesco S&P 500 Low Vol ETF (S ETF 46138E354 762 12,530 SH   SOLE   6,265 0 6,265
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 705 16,647 SH   SOLE   8,324 0 8,324
SPDR S&P Dividend ETF (SDY) ETF 78464A763 870 7,400 SH   SOLE   3,700 0 3,700
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 17,537 36,469 SH   SOLE   18,234 0 18,234
SPDR Trust S&P 500 (SPY) ETF 78462F103 1,168 2,721 SH   SOLE   1,361 0 1,361
Schwab Large Cap Growth ETF (S ETF 808524300 10,825 73,097 SH   SOLE   36,549 0 36,549
Schwab Large Cap US ETF (SCHX) ETF 808524201 4,154 39,930 SH   SOLE   19,965 0 19,965
Schwab US Broad Market ETF (SC ETF 808524102 7,274 70,034 SH   SOLE   35,017 0 35,017
Schwab US Dividend Equity (SCH ETF 808524797 3,915 52,730 SH   SOLE   26,365 0 26,365
Schwab US Mid Cap ETF (SCHM) ETF 808524508 13,611 177,550 SH   SOLE   88,775 0 88,775
Schwab US Small Cap ETF (SCHA) ETF 808524607 9,740 97,306 SH   SOLE   48,653 0 48,653
Vanguard Extended Market Index ETF 922908652 1,464 8,030 SH   SOLE   4,015 0 4,015
Vanguard High Dividend Yield E ETF 921946406 464 4,490 SH   SOLE   2,245 0 2,245
Vanguard Mid Cap ETF (VO) ETF 922908629 781 3,300 SH   SOLE   1,650 0 1,650
Vanguard S&P 500 ETF (VOO) ETF 922908363 10,578 26,820 SH   SOLE   13,410 0 13,410
Vanguard Small Cap Growth (VBK ETF 922908595 3,782 13,500 SH   SOLE   6,750 0 6,750
iShares S&P US Preferred Stock ETF 464288687 5,290 136,310 SH   SOLE   68,155 0 68,155
Emerging Markets Internet/Ecom ETF 301505889 833 16,800 SH   SOLE   8,400 0 8,400
IShares Min Volatility EAFE In ETF 43429B689 700 9,290 SH   SOLE   4,645 0 4,645
IShares S&P Global 100 ETF (IO ETF 464287572 1,725 24,250 SH   SOLE   12,125 0 12,125
Ishares Int'l Select Dividend ETF 464288448 639 21,010 SH   SOLE   10,505 0 10,505
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 989 16,990 SH   SOLE   8,495 0 8,495
SPDR International Dividend ET ETF 78463X772 570 15,018 SH   SOLE   7,509 0 7,509
Schwab Emerging Markets ETF (S ETF 808524706 4,506 147,850 SH   SOLE   73,925 0 73,925
Schwab Int'l Small Cap Equity ETF 808524888 424 10,200 SH   SOLE   5,100 0 5,100
Schwab International Equity ET ETF 808524805 15,855 409,700 SH   SOLE   204,850 0 204,850
Vanguard Total World Stock Mar ETF 922042742 824 8,090 SH   SOLE   4,045 0 4,045
iShares MSCI Canada Index Fund ETF 464286509 537 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 3,261 41,803 SH   SOLE   20,901 0 20,901