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 5,083 392,536 SH   SOLE   196,268 0 196,268
Barings Participation Inv (MPV BDFUND 06761A103 811 71,616 SH   SOLE   35,808 0 35,808
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747 3,046 31,690 SH   SOLE   15,845 0 15,845
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318 1,209 47,900 SH   SOLE   23,950 0 23,950
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697 759 29,750 SH   SOLE   14,875 0 14,875
Invesco Bullet Shares 2022 (BS BDFUND 46138J882 4,404 207,934 SH   SOLE   103,967 0 103,967
Invesco Bulletshares 2023 Corp BDFUND 46138J866 5,494 263,244 SH   SOLE   131,622 0 131,622
Invesco Bulletshares 2024 (BSC BDFUND 46138J841 5,230 256,502 SH   SOLE   128,251 0 128,251
Invesco Bulletshares 2025 Corp BDFUND 46138J825 1,147 57,530 SH   SOLE   28,765 0 28,765
Metropolitan West Total Return BDFUND 592905103 216 24,132 SH   SOLE   12,066 0 12,066
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 533 17,020 SH   SOLE   8,510 0 8,510
SPDR Inv't Grade Floating Rate BDFUND 78468R200 15,506 511,764 SH   SOLE   255,882 0 255,882
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 1,861 40,374 SH   SOLE   20,187 0 20,187
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 911 20,700 SH   SOLE   10,350 0 10,350
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 3,192 70,450 SH   SOLE   35,225 0 35,225
Schwab US Tips ETF (SCHP) BDFUND 808524870 5,836 112,670 SH   SOLE   56,335 0 56,335
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528 1,365 82,100 SH   SOLE   41,050 0 41,050
Vanguard Intermediate Corp Bon BDFUND 92206C870 9,904 130,870 SH   SOLE   65,435 0 65,435
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 25,109 338,028 SH   SOLE   169,014 0 169,014
Vanguard Tax-Exempt Bond Index BDFUND 922907746 592 12,300 SH   SOLE   6,150 0 6,150
iShares 1-5 yr Inv Grade Corp BDFUND 464288646 8,427 171,010 SH   SOLE   85,505 0 85,505
iShares National Muni Bond (MU BDFUND 464288414 10,003 97,510 SH   SOLE   48,755 0 48,755
iShares Short Term Nat'l Muni BDFUND 464288158 5,133 50,000 SH   SOLE   25,000 0 25,000
iShares TIPS Bond Fund (TIP) BDFUND 464287176 5,481 52,248 SH   SOLE   26,124 0 26,124
Healthpeak Prop (PEAK) REIT 42250P103 798 34,800 SH   SOLE   17,400 0 17,400
Schwab REIT ETF (SCHH) REIT 808524847 1,017 54,400 SH   SOLE   27,200 0 27,200
Vanguard REIT Index ETF (VNQ) REIT 922908553 900 11,230 SH   SOLE   5,615 0 5,615
Weyerhauser (WY) REIT 962166104 2,494 87,330 SH   SOLE   43,665 0 43,665
3M Company (MMM) COM 88579Y101 906 8,196 SH   SOLE   4,098 0 4,098
A F L A C Inc. (AFL) COM 001055102 877 15,600 SH   SOLE   7,800 0 7,800
AT&T Inc. (T) COM 00206R102 652 42,490 SH   SOLE   21,245 0 21,245
Abbott Laboratories (ABT) COM 002824100 2,997 30,978 SH   SOLE   15,489 0 15,489
Abbvie Inc (ABBV) COM 00287Y109 2,035 15,165 SH   SOLE   7,582 0 7,582
Accenture PLC (ACN) COM G1151C101 826 3,210 SH   SOLE   1,605 0 1,605
Advanced Micro Devices Inc (AM COM 007903107 621 9,806 SH   SOLE   4,903 0 4,903
Aerovironment (AVAV) COM 008073108 683 8,190 SH   SOLE   4,095 0 4,095
Air Prod & Chemicals (APD) COM 009158106 439 1,886 SH   SOLE   943 0 943
Alphabet Class A (GOOGL) COM 02079K305 797 8,330 SH   SOLE   4,165 0 4,165
Alphabet Class C (GOOG) COM 02079K107 4,944 51,417 SH   SOLE   25,708 0 25,708
Amazon Com Inc (AMZN) COM 023135106 4,386 38,818 SH   SOLE   19,409 0 19,409
Amcor PLC ADR (AMCR) COM Q03080100 768 71,602 SH   SOLE   35,801 0 35,801
Amgen Incorporated (AMGN) COM 031162100 454 2,012 SH   SOLE   1,006 0 1,006
Apple Computer (AAPL) COM 037833100 12,078 87,394 SH   SOLE   43,697 0 43,697
Auto Data Processing (ADP) COM 053015103 1,175 5,196 SH   SOLE   2,598 0 2,598
Autodesk Inc. (ADSK) COM 052769106 1,879 10,060 SH   SOLE   5,030 0 5,030
BWX Technologies (BWXT) COM 05605H100 577 11,450 SH   SOLE   5,725 0 5,725
Bank of America Corp. (BAC) COM 060505104 627 20,756 SH   SOLE   10,378 0 10,378
Bank of Montreal (BMO) COM 063671101 1,256 14,334 SH   SOLE   7,167 0 7,167
Becton Dickinson (BDX) COM 075887109 537 2,408 SH   SOLE   1,204 0 1,204
Berkshire Hathaway Cl B (BRKB) COM 084670702 2,970 11,124 SH   SOLE   5,562 0 5,562
Bristol-Myers Squibb (BMY) COM 110122108 1,650 23,208 SH   SOLE   11,604 0 11,604
CSG Systems Int'l (CSGS) COM 126349109 924 17,470 SH   SOLE   8,735 0 8,735
CVS Health Corp. (CVS) COM 126650100 2,719 28,512 SH   SOLE   14,256 0 14,256
Carrier Global Corp (CARR) COM 14448C104 931 26,168 SH   SOLE   13,084 0 13,084
Celanese (CE) COM 150870103 1,177 13,024 SH   SOLE   6,512 0 6,512
Check Point Software Tech (CHK COM M22465104 1,923 17,168 SH   SOLE   8,584 0 8,584
Chevron Corp (CVX) COM 166764100 2,256 15,704 SH   SOLE   7,852 0 7,852
Chewy (CHWY) COM 16679L109 742 24,140 SH   SOLE   12,070 0 12,070
Cisco Systems Inc. (CSCO) COM 17275R102 3,236 80,910 SH   SOLE   40,455 0 40,455
Coca Cola Company (KO) COM 191216100 1,551 27,680 SH   SOLE   13,840 0 13,840
Colgate-Palmolive Co. (CL) COM 194162103 1,057 15,048 SH   SOLE   7,524 0 7,524
Comcast Corp NEW CL A (CMCSA) COM 20030N101 1,291 44,022 SH   SOLE   22,011 0 22,011
Concentrix Corp (CNXC) COM 20602D101 547 4,900 SH   SOLE   2,450 0 2,450
Constellation Brands (STZ) COM 21036P108 408 1,776 SH   SOLE   888 0 888
Danaher Corp (DHR) COM 235851102 1,036 4,010 SH   SOLE   2,005 0 2,005
Deere Co (DE) COM 244199105 477 1,428 SH   SOLE   714 0 714
Disney Walt Hldg. Co. (DIS) COM 254687106 2,402 25,460 SH   SOLE   12,730 0 12,730
Dominion Energy Inc (D) COM 25746U109 425 6,150 SH   SOLE   3,075 0 3,075
ETFMG Prime Cyber Security ETF COM 26924G201 1,256 28,950 SH   SOLE   14,475 0 14,475
Exact Sciences (EXAS) COM 30063P105 588 18,110 SH   SOLE   9,055 0 9,055
Exxon Mobil (XOM) COM 30231G102 4,413 50,544 SH   SOLE   25,272 0 25,272
Fastenal Company (FAST) COM 311900104 722 15,682 SH   SOLE   7,841 0 7,841
General Electric Company (GE) COM 369604103 544 8,784 SH   SOLE   4,392 0 4,392
General Mills, Inc. (GIS) COM 370334104 1,010 13,184 SH   SOLE   6,592 0 6,592
General Motors New (GM) COM 37045V100 401 12,494 SH   SOLE   6,247 0 6,247
Globalstar Inc. (GSAT) COM 378973408 302 190,130 SH   SOLE   95,065 0 95,065
Graco Inc (GGG) COM 384109104 881 14,700 SH   SOLE   7,350 0 7,350
Hamilton Beach Brands Cl A (HB COM 40701T104 789 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203 811 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101 1,410 21,846 SH   SOLE   10,923 0 10,923
Home Depot Inc. (HD) COM 437076102 2,581 9,354 SH   SOLE   4,677 0 4,677
Honeywell International (HON) COM 438516106 1,595 9,554 SH   SOLE   4,777 0 4,777
Hormel Foods (HRL) COM 440452100 1,272 28,001 SH   SOLE   14,001 0 14,001
Hyster-Yale Materials Handling COM 449172105 1,267 58,914 SH   SOLE   29,457 0 29,457
Illinois Tool Works Inc (ITW) COM 452308109 956 5,290 SH   SOLE   2,645 0 2,645
Intel Corp. (INTC) COM 458140100 2,030 78,787 SH   SOLE   39,394 0 39,394
Intl Business Machines (IBM) COM 459200101 437 3,674 SH   SOLE   1,837 0 1,837
Invesco Water Resource Port (P COM 46137V142 1,254 27,400 SH   SOLE   13,700 0 13,700
J P Morgan Chase & Co (JPM) COM 46625H100 2,541 24,318 SH   SOLE   12,159 0 12,159
J.M. Smuckers Co (SJM) COM 832696405 1,882 13,698 SH   SOLE   6,849 0 6,849
Johnson & Johnson (JNJ) COM 478160104 4,644 28,430 SH   SOLE   14,215 0 14,215
Kohlberg Kravis & Co (KKR) COM 48251W104 2,171 50,500 SH   SOLE   25,250 0 25,250
Korn Ferry International (KFY) COM 500643200 458 9,750 SH   SOLE   4,875 0 4,875
Landstar System (LSTR) COM 515098101 613 4,246 SH   SOLE   2,123 0 2,123
LeMaitre Vascular (LMAT) COM 525558201 487 9,600 SH   SOLE   4,800 0 4,800
Lilly Eli & Company (LLY) COM 532457108 2,757 8,526 SH   SOLE   4,263 0 4,263
Lowes Companies Inc. (LOW) COM 548661107 601 3,198 SH   SOLE   1,599 0 1,599
McDonalds Corp (MCD) COM 580135101 1,244 5,392 SH   SOLE   2,696 0 2,696
Merck & Co Inc. (MRK) COM 589331107 2,557 29,686 SH   SOLE   14,843 0 14,843
Microsoft Corp. (MSFT) COM 594918104 6,608 28,374 SH   SOLE   14,187 0 14,187
Moodys Corp. (MCO) COM 615369105 462 1,900 SH   SOLE   950 0 950
Morgan Stanley (MS) COM 617446448 487 6,162 SH   SOLE   3,081 0 3,081
Nacco Inds Inc CL A (NC) COM 629579103 1,212 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101 1,944 24,788 SH   SOLE   12,394 0 12,394
Norfolk Southern Cop (NSC) COM 655844108 488 2,328 SH   SOLE   1,164 0 1,164
Oracle Corp. (ORCL) COM 68389X105 849 13,900 SH   SOLE   6,950 0 6,950
Otis Worldwide (OTIS) COM 68902V107 585 9,168 SH   SOLE   4,584 0 4,584
PepsiCo Inc. (PEP) COM 713448108 4,320 26,462 SH   SOLE   13,231 0 13,231
Pfizer Inc (PFE) COM 717081103 2,620 59,865 SH   SOLE   29,932 0 29,932
Phillips 66 (PSX) COM 718546104 1,370 16,976 SH   SOLE   8,488 0 8,488
Procter & Gamble (PG) COM 742718109 2,798 22,162 SH   SOLE   11,081 0 11,081
ROBO Gbl Robotics & Auto'n ETF COM 301505707 978 23,660 SH   SOLE   11,830 0 11,830
Raytheon Technologies (RTX) COM 75513E101 2,358 28,800 SH   SOLE   14,400 0 14,400
Regions Financial Corp (RF) COM 7591EP100 469 23,350 SH   SOLE   11,675 0 11,675
SYNNEX Corp (SNX) COM 87162W100 528 6,500 SH   SOLE   3,250 0 3,250
Salesforce.com (CRM) COM 79466L302 576 4,006 SH   SOLE   2,003 0 2,003
Smith & Nephew (SNN) COM 83175M205 677 29,150 SH   SOLE   14,575 0 14,575
Sonoco Products (SON) COM 835495102 1,580 27,850 SH   SOLE   13,925 0 13,925
Southwest Airlines (LUV) COM 844741108 749 24,300 SH   SOLE   12,150 0 12,150
Sprouts Farmers Markets (SFM) COM 85208M102 467 16,840 SH   SOLE   8,420 0 8,420
Standard Motor Products (SMP) COM 853666105 501 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109 989 11,732 SH   SOLE   5,866 0 5,866
State Street Corp (STT) COM 857477103 556 9,150 SH   SOLE   4,575 0 4,575
Stryker Corp. (SYK) COM 863667101 524 2,588 SH   SOLE   1,294 0 1,294
Sysco Corp. (SYY) COM 871829107 2,166 30,632 SH   SOLE   15,316 0 15,316
T Rowe Price Group (TROW) COM 74144T108 669 6,370 SH   SOLE   3,185 0 3,185
TJX Cos Inc (TJX) COM 872540109 3,218 51,802 SH   SOLE   25,901 0 25,901
Taiwan Semiconductor ADRF Spon COM 874039100 912 13,300 SH   SOLE   6,650 0 6,650
Target Corporation (TGT) COM 87612E106 2,015 13,576 SH   SOLE   6,788 0 6,788
Texas Instruments Inc (TXN) COM 882508104 818 5,288 SH   SOLE   2,644 0 2,644
The Blackstone Group (BX) COM 09260D107 492 5,880 SH   SOLE   2,940 0 2,940
The Trade Desk Inc (TTD) COM 88339J105 842 14,100 SH   SOLE   7,050 0 7,050
Trex Inc (TREX) COM 89531P105 1,222 27,800 SH   SOLE   13,900 0 13,900
US Bancorp (USB) COM 902973304 1,823 45,220 SH   SOLE   22,610 0 22,610
Ulta Beauty (ULTA) COM 903845303 1,609 4,010 SH   SOLE   2,005 0 2,005
Unilever PLC ADR New F (UL) COM 904767704 891 20,328 SH   SOLE   10,164 0 10,164
Union Pacific Corp. (UNP) COM 907818108 643 3,298 SH   SOLE   1,649 0 1,649
United Parcel Service Cl B (UP COM 911312106 433 2,682 SH   SOLE   1,341 0 1,341
Unitedhealth Group Inc. (UNH) COM 91324P102 1,611 3,190 SH   SOLE   1,595 0 1,595
Verisk Analytics (VRSK) COM 92345Y106 1,814 10,640 SH   SOLE   5,320 0 5,320
Verizon Communications (VZ) COM 92343V104 1,784 46,996 SH   SOLE   23,498 0 23,498
Visa Inc (V) COM 92826C839 1,985 11,176 SH   SOLE   5,588 0 5,588
WD 40 Co (WDFC) COM 929236107 1,739 9,896 SH   SOLE   4,948 0 4,948
WalMart Inc. (WMT) COM 931142103 664 5,118 SH   SOLE   2,559 0 2,559
Zimmer Biomet Holdings Inc. (Z COM 98956P102 436 4,166 SH   SOLE   2,083 0 2,083
Zoetis Inc (ZTS) COM 98978V103 1,711 11,540 SH   SOLE   5,770 0 5,770
IShares S&P 100 Index (OEF) ETF 464287101 790 4,860 SH   SOLE   2,430 0 2,430
Invesco S&P 500 Equal Weighted ETF 46137V357 4,201 33,007 SH   SOLE   16,504 0 16,504
Invesco S&P 500 Low Vol ETF (S ETF 46138E354 606 10,480 SH   SOLE   5,240 0 5,240
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 622 15,900 SH   SOLE   7,950 0 7,950
SPDR S&P Dividend ETF (SDY) ETF 78464A763 820 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 12,838 31,962 SH   SOLE   15,981 0 15,981
SPDR Trust S&P 500 (SPY) ETF 78462F103 1,088 3,047 SH   SOLE   1,524 0 1,524
Schwab Large Cap Growth ETF (S ETF 808524300 8,349 149,591 SH   SOLE   74,795 0 74,795
Schwab Large Cap US ETF (SCHX) ETF 808524201 3,617 85,410 SH   SOLE   42,705 0 42,705
Schwab US Broad Market ETF (SC ETF 808524102 6,038 143,798 SH   SOLE   71,899 0 71,899
Schwab US Dividend Equity (SCH ETF 808524797 4,984 75,026 SH   SOLE   37,513 0 37,513
Schwab US Mid Cap ETF (SCHM) ETF 808524508 10,815 178,670 SH   SOLE   89,335 0 89,335
Schwab US Small Cap ETF (SCHA) ETF 808524607 6,820 180,412 SH   SOLE   90,206 0 90,206
Vanguard Extended Market Index ETF 922908652 1,623 12,770 SH   SOLE   6,385 0 6,385
Vanguard High Dividend Yield E ETF 921946406 426 4,490 SH   SOLE   2,245 0 2,245
Vanguard Mid Cap ETF (VO) ETF 922908629 696 3,700 SH   SOLE   1,850 0 1,850
Vanguard S&P 500 ETF (VOO) ETF 922908363 9,330 28,420 SH   SOLE   14,210 0 14,210
Vanguard Small Cap Growth (VBK ETF 922908595 2,634 13,500 SH   SOLE   6,750 0 6,750
iShares S&P US Preferred Stock ETF 464288687 4,635 146,360 SH   SOLE   73,180 0 73,180
IShares Min Volatility EAFE In ETF 43429B689 518 9,090 SH   SOLE   4,545 0 4,545
IShares S&P Global 100 ETF (IO ETF 464287572 1,243 20,880 SH   SOLE   10,440 0 10,440
Ishares Int'l Select Dividend ETF 464288448 460 20,410 SH   SOLE   10,205 0 10,205
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 533 14,390 SH   SOLE   7,195 0 7,195
SPDR International Dividend ET ETF 78463X772 441 15,328 SH   SOLE   7,664 0 7,664
Schwab Emerging Markets ETF (S ETF 808524706 2,424 108,200 SH   SOLE   54,100 0 54,100
Schwab International Equity ET ETF 808524805 10,635 378,060 SH   SOLE   189,030 0 189,030
iShares MSCI Canada Index Fund ETF 464286509 455 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 2,177 38,861 SH   SOLE   19,430 0 19,430