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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Barings Corporate Investors (M BDFUND 06759X107   5,930,254 372,036 SH   SOLE   186,018 0 186,018
Barings Participation Inv (MPV BDFUND 06761A103   679,773 50,616 SH   SOLE   25,308 0 25,308
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747   2,707,945 27,940 SH   SOLE   13,970 0 13,970
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318   606,219 23,750 SH   SOLE   11,875 0 11,875
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697   764,277 29,750 SH   SOLE   14,875 0 14,875
Invesco Bulletshares 2023 Corp BDFUND 46138J866   3,416,077 160,908 SH   SOLE   80,454 0 80,454
Invesco Bulletshares 2024 Corp BDFUND 46138J841   4,308,661 208,450 SH   SOLE   104,225 0 104,225
Invesco Bulletshares 2025 Corp BDFUND 46138J825   1,110,675 55,230 SH   SOLE   27,615 0 27,615
SPDR Int Corporate Bond ETF (S BDFUND 78464A375   403,189 12,820 SH   SOLE   6,410 0 6,410
SPDR Inv't Grade Floating Rate BDFUND 78468R200   14,827,377 482,662 SH   SOLE   241,331 0 241,331
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739   1,155,750 25,000 SH   SOLE   12,500 0 12,500
Schwab Aggregate Bond ETF (SCH BDFUND 808524839   2,120,828 47,950 SH   SOLE   23,975 0 23,975
Schwab US Tips ETF (SCHP) BDFUND 808524870   5,038,902 99,800 SH   SOLE   49,900 0 49,900
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528   700,980 42,000 SH   SOLE   21,000 0 21,000
Vanguard Intermediate Corp Bon BDFUND 92206C870   8,045,066 105,884 SH   SOLE   52,942 0 52,942
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409   18,648,773 248,154 SH   SOLE   124,077 0 124,077
Vanguard Tax-Exempt Bond Index BDFUND 922907746   555,555 11,550 SH   SOLE   5,775 0 5,775
iShares 1-5 yr Inv Grade Corp BDFUND 464288646   6,224,265 124,910 SH   SOLE   62,455 0 62,455
iShares National Muni Bond (MU BDFUND 464288414   5,387,657 52,542 SH   SOLE   26,271 0 26,271
iShares Short Term Nat'l Muni BDFUND 464288158   4,140,115 40,250 SH   SOLE   20,125 0 20,125
iShares TIPS Bond Fund (TIP) BDFUND 464287176   5,433,296 52,384 SH   SOLE   26,192 0 26,192
Healthpeak Prop (PEAK) REIT 42250P103   491,130 26,750 SH   SOLE   13,375 0 13,375
Schwab REIT ETF (SCHH) REIT 808524847   940,750 53,000 SH   SOLE   26,500 0 26,500
Vanguard REIT Index ETF (VNQ) REIT 922908553   818,641 10,820 SH   SOLE   5,410 0 5,410
Weyerhauser (WY) REIT 962166104   2,175,327 70,950 SH   SOLE   35,475 0 35,475
3M Company (MMM) COM 88579Y101   568,086 6,068 SH   SOLE   3,034 0 3,034
A F L A C Inc. (AFL) COM 001055102   1,125,922 14,670 SH   SOLE   7,335 0 7,335
AT&T Inc. (T) COM 00206R102   571,120 38,024 SH   SOLE   19,012 0 19,012
Abbott Laboratories (ABT) COM 002824100   2,567,106 26,506 SH   SOLE   13,253 0 13,253
Abbvie Inc (ABBV) COM 00287Y109   1,693,993 11,365 SH   SOLE   5,682 0 5,682
Accenture PLC (ACN) COM G1151C101   571,225 1,860 SH   SOLE   930 0 930
Advanced Micro Devices Inc (AM COM 007903107   1,008,301 9,806 SH   SOLE   4,903 0 4,903
Aerovironment (AVAV) COM 008073108   930,160 8,340 SH   SOLE   4,170 0 4,170
Air Prod & Chemicals (APD) COM 009158106   491,982 1,736 SH   SOLE   868 0 868
Alphabet Class A (GOOGL) COM 02079K305   1,018,042 7,780 SH   SOLE   3,890 0 3,890
Alphabet Class C (GOOG) COM 02079K107   6,559,115 49,747 SH   SOLE   24,873 0 24,873
Amazon Com Inc (AMZN) COM 023135106   5,200,237 40,908 SH   SOLE   20,454 0 20,454
Amcor PLC ADR (AMCR) COM Q03080100   620,865 67,780 SH   SOLE   33,890 0 33,890
Amgen Incorporated (AMGN) COM 031162100   540,745 2,012 SH   SOLE   1,006 0 1,006
AppFolio (APPF) COM 03783c100   467,533 2,560 SH   SOLE   1,280 0 1,280
Apple Computer (AAPL) COM 037833100   12,660,913 73,950 SH   SOLE   36,975 0 36,975
Auto Data Processing (ADP) COM 053015103   1,214,929 5,050 SH   SOLE   2,525 0 2,525
Autodesk Inc. (ADSK) COM 052769106   2,009,096 9,710 SH   SOLE   4,855 0 4,855
BWX Technologies (BWXT) COM 05605H100   772,294 10,300 SH   SOLE   5,150 0 5,150
Bank of America Corp. (BAC) COM 060505104   645,949 23,592 SH   SOLE   11,796 0 11,796
Bank of Montreal (BMO) COM 063671101   1,150,301 13,634 SH   SOLE   6,817 0 6,817
Bank of New York (BK) COM 064058100   467,017 10,950 SH   SOLE   5,475 0 5,475
Becton Dickinson (BDX) COM 075887109   493,275 1,908 SH   SOLE   954 0 954
Berkshire Hathaway Cl B (BRKB) COM 084670702   3,526,820 10,068 SH   SOLE   5,034 0 5,034
Boeing Company (BA) COM 097023105   541,688 2,826 SH   SOLE   1,413 0 1,413
Bristol-Myers Squibb (BMY) COM 110122108   1,226,733 21,136 SH   SOLE   10,568 0 10,568
CSG Systems Int'l (CSGS) COM 126349109   1,050,516 20,550 SH   SOLE   10,275 0 10,275
CVS Health Corp. (CVS) COM 126650100   1,884,163 26,986 SH   SOLE   13,493 0 13,493
Canopy Growth Corp NPV (CGC) COM 138035100   16,165 20,650 SH   SOLE   10,325 0 10,325
Carrier Global Corp (CARR) COM 14448C104   1,284,394 23,268 SH   SOLE   11,634 0 11,634
Celanese (CE) COM 150870103   1,504,232 11,984 SH   SOLE   5,992 0 5,992
Check Point Software Tech (CHK COM M22465104   2,293,482 17,208 SH   SOLE   8,604 0 8,604
Chevron Corp (CVX) COM 166764100   2,370,123 14,056 SH   SOLE   7,028 0 7,028
Chewy (CHWY) COM 16679L109   580,851 31,810 SH   SOLE   15,905 0 15,905
Cisco Systems Inc. (CSCO) COM 17275R102   4,325,530 80,460 SH   SOLE   40,230 0 40,230
Coca Cola Company (KO) COM 191216100   1,546,056 27,618 SH   SOLE   13,809 0 13,809
Colgate-Palmolive Co. (CL) COM 194162103   1,034,508 14,548 SH   SOLE   7,274 0 7,274
Comcast Corp NEW CL A (CMCSA) COM 20030N101   2,005,143 45,222 SH   SOLE   22,611 0 22,611
Constellation Brands (STZ) COM 21036P108   460,939 1,834 SH   SOLE   917 0 917
Danaher Corp (DHR) COM 235851102   919,459 3,706 SH   SOLE   1,853 0 1,853
Deere Co (DE) COM 244199105   520,030 1,378 SH   SOLE   689 0 689
Disney Walt Hldg. Co. (DIS) COM 254687106   1,816,330 22,410 SH   SOLE   11,205 0 11,205
ETFMG Prime Cyber Security ETF COM 26924G201   1,416,420 27,450 SH   SOLE   13,725 0 13,725
Eaton Corporation (ETN) COM G29183103   519,550 2,436 SH   SOLE   1,218 0 1,218
Emerson Elec Co (EMR) COM 291011104   408,684 4,232 SH   SOLE   2,116 0 2,116
Exact Sciences (EXAS) COM 30063P105   1,049,224 15,380 SH   SOLE   7,690 0 7,690
Exxon Mobil (XOM) COM 30231G102   5,078,280 43,190 SH   SOLE   21,595 0 21,595
Fair Isaac (FICO) COM 303250104   484,640 558 SH   SOLE   279 0 279
Fastenal Company (FAST) COM 311900104   848,668 15,532 SH   SOLE   7,766 0 7,766
General Electric Company (GE) COM 369604103   602,276 5,448 SH   SOLE   2,724 0 2,724
General Mills, Inc. (GIS) COM 370334104   555,689 8,684 SH   SOLE   4,342 0 4,342
General Motors New (GM) COM 37045V100   504,243 15,294 SH   SOLE   7,647 0 7,647
Gilead Sciences Inc. (GILD) COM 375558103   427,907 5,710 SH   SOLE   2,855 0 2,855
Globalstar Inc. (GSAT) COM 378973408   581,640 444,000 SH   SOLE   222,000 0 222,000
Graco Inc (GGG) COM 384109104   440,924 6,050 SH   SOLE   3,025 0 3,025
Hamilton Beach Brands Cl A (HB COM 40701T104   839,487 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203   810,505 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101   1,571,632 22,646 SH   SOLE   11,323 0 11,323
Home Depot Inc. (HD) COM 437076102   2,223,293 7,358 SH   SOLE   3,679 0 3,679
Honeywell International (HON) COM 438516106   1,774,243 9,604 SH   SOLE   4,802 0 4,802
Hormel Foods (HRL) COM 440452100   1,030,657 27,101 SH   SOLE   13,551 0 13,551
Hyster-Yale Materials Handling COM 449172105   3,370,961 75,616 SH   SOLE   37,808 0 37,808
Illinois Tool Works Inc (ITW) COM 452308109   1,126,216 4,890 SH   SOLE   2,445 0 2,445
Intel Corp. (INTC) COM 458140100   2,550,267 71,737 SH   SOLE   35,869 0 35,869
Inter Parfums (IPAR) COM 458334109   476,907 3,550 SH   SOLE   1,775 0 1,775
Invesco Water Resource Port (P COM 46137V142   1,435,860 27,000 SH   SOLE   13,500 0 13,500
J P Morgan Chase & Co (JPM) COM 46625H100   3,461,627 23,870 SH   SOLE   11,935 0 11,935
J.M. Smuckers Co (SJM) COM 832696405   1,619,708 13,178 SH   SOLE   6,589 0 6,589
Johnson & Johnson (JNJ) COM 478160104   4,390,902 28,192 SH   SOLE   14,096 0 14,096
Kohlberg Kravis & Co (KKR) COM 48251W104   2,722,597 44,198 SH   SOLE   22,099 0 22,099
Korn Ferry International (KFY) COM 500643200   419,844 8,850 SH   SOLE   4,425 0 4,425
Landstar System (LSTR) COM 515098101   784,906 4,436 SH   SOLE   2,218 0 2,218
LeMaitre Vascular (LMAT) COM 525558201   495,768 9,100 SH   SOLE   4,550 0 4,550
Lilly Eli & Company (LLY) COM 532457108   3,894,192 7,250 SH   SOLE   3,625 0 3,625
Linde PLC (LIN) COM G54950103   422,245 1,134 SH   SOLE   567 0 567
Lowes Companies Inc. (LOW) COM 548661107   628,508 3,024 SH   SOLE   1,512 0 1,512
McDonalds Corp (MCD) COM 580135101   1,330,372 5,050 SH   SOLE   2,525 0 2,525
Merck & Co Inc. (MRK) COM 589331107   2,577,456 25,036 SH   SOLE   12,518 0 12,518
Microsoft Corp. (MSFT) COM 594918104   7,588,725 24,034 SH   SOLE   12,017 0 12,017
Mondelez (MDLZ) COM 609207105   442,078 6,370 SH   SOLE   3,185 0 3,185
Morgan Stanley (MS) COM 617446448   451,798 5,532 SH   SOLE   2,766 0 2,766
NVIDIA Corporation (NVDA) COM 67066G104   412,182 948 SH   SOLE   474 0 474
Nacco Inds Inc CL A (NC) COM 629579103   2,017,998 57,542 SH   SOLE   28,771 0 28,771
NextEra Energy (NEE) COM 65339F101   1,311,368 22,890 SH   SOLE   11,445 0 11,445
Norfolk Southern Cop (NSC) COM 655844108   448,607 2,278 SH   SOLE   1,139 0 1,139
Novartis AG Spon ADR F (NVS) COM 66987V109   417,015 4,094 SH   SOLE   2,047 0 2,047
Oracle Corp. (ORCL) COM 68389X105   1,292,224 12,200 SH   SOLE   6,100 0 6,100
Otis Worldwide (OTIS) COM 68902V107   559,600 6,968 SH   SOLE   3,484 0 3,484
PepsiCo Inc. (PEP) COM 713448108   4,095,326 24,170 SH   SOLE   12,085 0 12,085
Pfizer Inc (PFE) COM 717081103   1,982,658 59,773 SH   SOLE   29,886 0 29,886
Phillips 66 (PSX) COM 718546104   1,961,088 16,322 SH   SOLE   8,161 0 8,161
Procter & Gamble (PG) COM 742718109   3,208,628 21,998 SH   SOLE   10,999 0 10,999
ROBO Gbl Robotics & Auto'n ETF COM 301505707   1,046,481 20,780 SH   SOLE   10,390 0 10,390
RTX Corporation (RTX) COM 75513E101   1,923,758 26,730 SH   SOLE   13,365 0 13,365
Regions Financial Corp (RF) COM 7591EP100   444,620 25,850 SH   SOLE   12,925 0 12,925
SYNNEX Corp (SNX) COM 87162W100   579,188 5,800 SH   SOLE   2,900 0 2,900
Salesforce.com (CRM) COM 79466L302   753,530 3,716 SH   SOLE   1,858 0 1,858
Smith & Nephew (SNN) COM 83175M205   665,074 26,850 SH   SOLE   13,425 0 13,425
Sonoco Products (SON) COM 835495102   1,486,472 27,350 SH   SOLE   13,675 0 13,675
Southwest Airlines (LUV) COM 844741108   469,664 17,350 SH   SOLE   8,675 0 8,675
Sprouts Farmers Markets (SFM) COM 85208M102   766,120 17,900 SH   SOLE   8,950 0 8,950
Standard Motor Products (SMP) COM 853666105   492,600 14,652 SH   SOLE   7,326 0 7,326
Starbucks Corp. (SBUX) COM 855244109   1,120,796 12,280 SH   SOLE   6,140 0 6,140
State Street Corp (STT) COM 857477103   612,684 9,150 SH   SOLE   4,575 0 4,575
Stryker Corp. (SYK) COM 863667101   652,569 2,388 SH   SOLE   1,194 0 1,194
Sysco Corp. (SYY) COM 871829107   1,980,311 29,982 SH   SOLE   14,991 0 14,991
T Rowe Price Group (TROW) COM 74144T108   547,421 5,220 SH   SOLE   2,610 0 2,610
TJX Cos Inc (TJX) COM 872540109   4,051,328 45,582 SH   SOLE   22,791 0 22,791
Taiwan Semiconductor ADRF Spon COM 874039100   1,090,595 12,550 SH   SOLE   6,275 0 6,275
Target Corporation (TGT) COM 87612E106   1,263,168 11,424 SH   SOLE   5,712 0 5,712
Texas Instruments Inc (TXN) COM 882508104   802,682 5,048 SH   SOLE   2,524 0 2,524
The Blackstone Group (BX) COM 09260D107   587,127 5,480 SH   SOLE   2,740 0 2,740
The Trade Desk Inc (TTD) COM 88339J105   1,216,795 15,570 SH   SOLE   7,785 0 7,785
Trex Inc (TREX) COM 89531P105   1,806,992 29,320 SH   SOLE   14,660 0 14,660
Tyler Technologies (TYL) COM 902252105   417,031 1,080 SH   SOLE   540 0 540
US Bancorp (USB) COM 902973304   1,531,339 46,320 SH   SOLE   23,160 0 23,160
Ulta Beauty (ULTA) COM 903845303   1,410,058 3,530 SH   SOLE   1,765 0 1,765
Unilever PLC ADR New F (UL) COM 904767704   836,243 16,928 SH   SOLE   8,464 0 8,464
Union Pacific Corp. (UNP) COM 907818108   569,757 2,798 SH   SOLE   1,399 0 1,399
United Parcel Service Cl B (UP COM 911312106   604,480 3,878 SH   SOLE   1,939 0 1,939
Unitedhealth Group Inc. (UNH) COM 91324P102   621,162 1,232 SH   SOLE   616 0 616
Universal Display (OLED) COM 91347P105   409,744 2,610 SH   SOLE   1,305 0 1,305
Vericel (VCEL) COM 92346J108   433,078 12,920 SH   SOLE   6,460 0 6,460
Verisk Analytics (VRSK) COM 92345Y106   2,393,111 10,130 SH   SOLE   5,065 0 5,065
Verizon Communications (VZ) COM 92343V104   1,393,500 42,996 SH   SOLE   21,498 0 21,498
Visa Inc (V) COM 92826C839   2,570,592 11,176 SH   SOLE   5,588 0 5,588
WD 40 Co (WDFC) COM 929236107   1,226,757 6,036 SH   SOLE   3,018 0 3,018
WalMart Inc. (WMT) COM 931142103   802,529 5,018 SH   SOLE   2,509 0 2,509
Zimmer Biomet Holdings Inc. (Z COM 98956P102   470,875 4,196 SH   SOLE   2,098 0 2,098
Zoetis Inc (ZTS) COM 98978V103   2,007,729 11,540 SH   SOLE   5,770 0 5,770
IShares S&P 100 Index (OEF) ETF 464287101   975,110 4,860 SH   SOLE   2,430 0 2,430
Invesco S&P 500 Equal Weighted ETF 46137V357   5,337,067 37,667 SH   SOLE   18,834 0 18,834
Invesco SP500 Hi Div Low Vol ( ETF 46138E362   540,822 13,800 SH   SOLE   6,900 0 6,900
SPDR S&P Dividend ETF (SDY) ETF 78464A763   845,323 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107   14,028,961 30,722 SH   SOLE   15,361 0 15,361
SPDR Trust S&P 500 (SPY) ETF 78462F103   1,323,906 3,097 SH   SOLE   1,549 0 1,549
Schwab Large Cap Growth ETF (S ETF 808524300   10,557,539 145,181 SH   SOLE   72,590 0 72,590
Schwab Large Cap US ETF (SCHX) ETF 808524201   4,278,230 84,550 SH   SOLE   42,275 0 42,275
Schwab US Broad Market ETF (SC ETF 808524102   6,509,612 130,584 SH   SOLE   65,292 0 65,292
Schwab US Dividend Equity (SCH ETF 808524797   7,436,310 105,092 SH   SOLE   52,546 0 52,546
Schwab US Mid Cap ETF (SCHM) ETF 808524508   12,405,518 183,297 SH   SOLE   91,648 0 91,648
Schwab US Small Cap ETF (SCHA) ETF 808524607   7,456,905 180,032 SH   SOLE   90,016 0 90,016
Vanguard Extended Market Index ETF 922908652   1,830,324 12,770 SH   SOLE   6,385 0 6,385
Vanguard High Dividend Yield E ETF 921946406   413,280 4,000 SH   SOLE   2,000 0 2,000
Vanguard Mid Cap ETF (VO) ETF 922908629   905,844 4,350 SH   SOLE   2,175 0 2,175
Vanguard S&P 500 ETF (VOO) ETF 922908363   11,148,611 28,390 SH   SOLE   14,195 0 14,195
Vanguard Small Cap Growth (VBK ETF 922908595   2,885,005 13,470 SH   SOLE   6,735 0 6,735
iShares S&P US Preferred Stock ETF 464288687   4,023,819 133,460 SH   SOLE   66,730 0 66,730
iShares Trust S&P 500 Index (I ETF 464287200   511,881 1,192 SH   SOLE   596 0 596
IShares S&P Global 100 ETF (IO ETF 464287572   1,470,659 20,080 SH   SOLE   10,040 0 10,040
Ishares Int'l Select Dividend ETF 464288448   556,514 21,910 SH   SOLE   10,955 0 10,955
Ishares MSCI Ireland ETF (EIRL ETF 46429B507   637,014 11,790 SH   SOLE   5,895 0 5,895
Schwab Emerging Markets ETF (S ETF 808524706   2,210,859 92,350 SH   SOLE   46,175 0 46,175
Schwab International Equity ET ETF 808524805   13,028,028 383,629 SH   SOLE   191,814 0 191,814
Vanguard Total World Stock Mar ETF 922042742   412,787 4,430 SH   SOLE   2,215 0 2,215
iShares TR MSCI EAFE Fd (EFA) ETF 464287465   2,543,891 36,911 SH   SOLE   18,455 0 18,455