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
ABB Ltd. Common 000375204 2 67 SH   SOLE   0 0 67
Abbott Laboratories Common 002824100 54 447 SH   SOLE   0 0 447
AbbVie Common 00287y109 93 858 SH   SOLE   0 0 858
Aberdeen Gold Trust Common 26922Y105 8 470 SH   SOLE   0 0 470
Accenture Common G1151C101 24 86 SH   SOLE   0 0 86
Adidas Common 00687A107 1 4 SH   SOLE   0 0 4
Adobe Systems Common 00724f101 33 70 SH   SOLE   0 0 70
AIA Group Common B4TX8S909 3 61 SH   SOLE   0 0 61
Air Liquide Common 009126202 1 16 SH   SOLE   0 0 16
Airbus Common 009279100 1 41 SH   SOLE   0 0 41
Alcon Common H01301128 5 77 SH   SOLE   0 0 77
Alibaba Common 01609w102 4 18 SH   SOLE   0 0 18
Align Technology Common 016255101 8 14 SH   SOLE   0 0 14
Allegion Common G0176J109 6 50 SH   SOLE   0 0 50
Allstate Common 020002101 3 25 SH   SOLE   0 0 25
Alphabet Common 02079k107 225 109 SH   SOLE   0 0 109
Alphabet Common 02079k305 184 89 SH   SOLE   0 0 89
Altria Group Common 02209S103 33 637 SH   SOLE   0 0 637
Amazon.com Common 023135106 282 91 SH   SOLE   0 0 91
Ameren Common 023608102 3 36 SH   SOLE   0 0 36
American Electric Power Common 025537101 7 84 SH   SOLE   0 0 84
American Express Common 025816109 19 136 SH   SOLE   0 0 136
American Intl. Group Common 026874784 10 210 SH   SOLE   0 0 210
American Tower Common 03027x100 4 15 SH   SOLE   0 0 15
Amgen Common 031162100 4 16 SH   SOLE   0 0 16
Anheuser-Busch InBev Common 757473103 1 14 SH   SOLE   0 0 14
ANSYS Inc. Common 03662Q105 6 17 SH   SOLE   0 0 17
Anthem Common 036752103 83 232 SH   SOLE   0 0 232
AON PLC Common g0408v102 0 2 SH   SOLE   0 0 2
Apple Common 037833100 385 3,150 SH   SOLE   0 0 3,150
Applied Materials Common 038222105 4 31 SH   SOLE   0 0 31
Ares Capital Common 04010L103 17 915 SH   SOLE   0 0 915
Arthur J. Gallagher Common 363576109 20 162 SH   SOLE   0 0 162
Asahi Kasei Common 043400100 1 42 SH   SOLE   0 0 42
ASM Holding Common N07059202 4 6 SH   SOLE   0 0 6
Aspen Technology Common 045327103 6 43 SH   SOLE   0 0 43
Assa Abloy Common 045387107 0 33 SH   SOLE   0 0 33
AstraZeneca Common 046353108 8 165 SH   SOLE   0 0 165
AT&T Common 00206r102 57 1,868 SH   SOLE   0 0 1,868
Atlassian Common G06242104 0 1 SH   SOLE   0 0 1
Auto Data Processing Common 053015103 5 28 SH   SOLE   0 0 28
Autodesk Common 052769106 14 52 SH   SOLE   0 0 52
B&M European Value Common 05590Y100 0 16 SH   SOLE   0 0 16
Banco Bilbao Vizcaya Common 00709P108 1 172 SH   SOLE   0 0 172
Bank of America Common 060505104 2 59 SH   SOLE   0 0 59
Bank of New York Mellon Common 064058100 1 25 SH   SOLE   0 0 25
BeiGene Common 07725L102 1 3 SH   SOLE   0 0 3
Bentley Systems Common 08265T208 7 140 SH   SOLE   0 0 140
Berkshire Hathaway CL B Common 084670702 6 24 SH   SOLE   0 0 24
BlackRock Common 09247x101 7 9 SH   SOLE   0 0 9
BNP Paribas Common 05565A202 1 29 SH   SOLE   0 0 29
Boeing Common 097023105 69 269 SH   SOLE   0 0 269
BP Common 055622104 4 148 SH   SOLE   0 0 148
Bright Horizons Common 109194100 7 40 SH   SOLE   0 0 40
British American Tobacco Common 110448107 2 41 SH   SOLE   0 0 41
Canadian National Railway Common 136375102 1 9 SH   SOLE   0 0 9
Carlsberg Common 142795202 2 67 SH   SOLE   0 0 67
CDW Corp. Common 12514G102 10 60 SH   SOLE   0 0 60
CF Richemont Common 204319107 1 106 SH   SOLE   0 0 106
Charles River Labs Common 159864107 11 39 SH   SOLE   0 0 39
Charles Schwab Common 808513105 9 137 SH   SOLE   0 0 137
Chemed Common 16359R103 5 10 SH   SOLE   0 0 10
Chevron Common 166764100 2 17 SH   SOLE   0 0 17
Cigna Common 125509109 4 17 SH   SOLE   0 0 17
Cincinnati Financial Common 172062101 20 190 SH   SOLE   0 0 190
Cintas Common 172908105 15 45 SH   SOLE   0 0 45
Cisco Systems Common 17275R102 37 716 SH   SOLE   0 0 716
Citigroup Common 172967424 18 243 SH   SOLE   0 0 243
Clovis Oncology Common 189464100 19 2,675 SH   SOLE   0 0 2,675
CME Group Common 12572q105 6 28 SH   SOLE   0 0 28
Coca-Cola Common 191216100 119 2,256 SH   SOLE   0 0 2,256
Cognizant Tech Solutions Common 192446102 10 123 SH   SOLE   0 0 123
Comcast Common 20030n101 141 2,600 SH   SOLE   0 0 2,600
ConocoPhillips Common 20825C104 5 87 SH   SOLE   0 0 87
Consolidated Edison Common 209115104 43 575 SH   SOLE   0 0 575
Constellation Brands Common 21036P108 6 26 SH   SOLE   0 0 26
Cooper Companies Common 216648402 8 21 SH   SOLE   0 0 21
Copart Common 217204106 8 73 SH   SOLE   0 0 73
Corteva Common 22052L104 5 113 SH   SOLE   0 0 113
CRH Common 12626K203 2 41 SH   SOLE   0 0 41
Crown Castle Common 22822V101 13 75 SH   SOLE   0 0 75
CVS Common 126650100 5 68 SH   SOLE   0 0 68
Daiichi Sankyo Common 23381D102 1 18 SH   SOLE   0 0 18
DBS Group Common 23304Y100 1 15 SH   SOLE   0 0 15
Deutsche Boerse Common 251542106 0 28 SH   SOLE   0 0 28
Diageo Common G42089113 1 7 SH   SOLE   0 0 7
Disney Common 254687106 476 2,580 SH   SOLE   0 0 2,580
Dollar General Common 256677105 2 10 SH   SOLE   0 0 10
DSV Panalpina Common 26251A108 1 12 SH   SOLE   0 0 12
Duke Energy Common 26441C204 56 583 SH   SOLE   0 0 583
DuPont Common 26614N102 5 60 SH   SOLE   0 0 60
Eaton Common G29183103 40 292 SH   SOLE   0 0 292
Edison International Common 281020107 3 54 SH   SOLE   0 0 54
Elanco Animal Health Common 28414H103 5 180 SH   SOLE   0 0 180
Eli Lilly Common 532457108 75 400 SH   SOLE   0 0 400
Emerson Electric Common 291011104 18 200 SH   SOLE   0 0 200
Enel Common 29278D105 2 249 SH   SOLE   0 0 249
Engie Common 29286D105 0 29 SH   SOLE   0 0 29
Equifax Common 294429105 6 33 SH   SOLE   0 0 33
Equinix Common 29444u700 3 5 SH   SOLE   0 0 5
Equinor Common 109178103 4 225 SH   SOLE   0 0 225
Equitable Holdings Common 29452E101 3 102 SH   SOLE   0 0 102
EssilorLuxottica Common 297284200 2 20 SH   SOLE   0 0 20
Eversource Energy Common 30040w108 10 115 SH   SOLE   0 0 115
Exelon Common 30161N101 2 43 SH   SOLE   0 0 43
Exponent Common 30214U102 4 43 SH   SOLE   0 0 43
Exxon Mobil Common 30231g102 18 320 SH   SOLE   0 0 320
Facebook Common 30303M102 230 781 SH   SOLE   0 0 781
Fair Isaac Common 303250104 5 10 SH   SOLE   0 0 10
Fidelity Nasdaq Index Common 315912808 722 1,405 SH   SOLE   0 0 1,405
Fidelity National Common 31620R303 3 75 SH   SOLE   0 0 75
Fifth Third Bancorp Common 316773100 22 575 SH   SOLE   0 0 575
First American Financial Common 31847R102 1 18 SH   SOLE   0 0 18
First Trust Internet Index Common 33733e302 571 2,619 SH   SOLE   0 0 2,619
FLIR Systems Common 302445101 5 90 SH   SOLE   0 0 90
Flutter Entertainment Common 344044102 0 3 SH   SOLE   0 0 3
Fortune Brands Home & Security Common 34964C106 144 1,500 SH   SOLE   0 0 1,500
Fox Corp. Common 90130A101 6 153 SH   SOLE   0 0 153
Galapagos Common 36316D104 0 6 SH   SOLE   0 0 6
Gartner Common 366651107 13 72 SH   SOLE   0 0 72
General Electric Common 369604103 5 378 SH   SOLE   0 0 378
General Motors Common 37045V100 10 174 SH   SOLE   0 0 174
Genmab Common 372303206 1 42 SH   SOLE   0 0 42
Gilead Sciences Common 375558103 15 230 SH   SOLE   0 0 230
Givaudan Common 37636P108 1 18 SH   SOLE   0 0 18
GoodRx Holdings Common 38246G108 34 880 SH   SOLE   0 0 880
Grifols Common E5706X132 0 18 SH   SOLE   0 0 18
Hartford Financial Services Common 416515104 23 340 SH   SOLE   0 0 340
HDFC Bank Common 40415F101 1 9 SH   SOLE   0 0 9
Hermes International Common 42751Q105 1 9 SH   SOLE   0 0 9
Home Depot Common 437076102 326 1,068 SH   SOLE   0 0 1,068
Honeywell International Common 438516106 48 221 SH   SOLE   0 0 221
Hong Kong Exchanges Common 43858F109 1 25 SH   SOLE   0 0 25
HOYA Corp. Common 443251103 1 8 SH   SOLE   0 0 8
Humana Common 444859102 3 8 SH   SOLE   0 0 8
Hutchison China Meditech Common 44842L103 0 16 SH   SOLE   0 0 16
Iberdrola Common 450737101 1 29 SH   SOLE   0 0 29
Illumina Common 452327109 8 22 SH   SOLE   0 0 22
Industria de Diseno Textil Common 455793109 1 76 SH   SOLE   0 0 76
ING Group Common 04930a104 0 38 SH   SOLE   0 0 38
Intel Common 458140100 97 1,510 SH   SOLE   0 0 1,510
Interactive Brokers Common 45841N107 6 88 SH   SOLE   0 0 88
Intuitive Surgical Common 46120E602 4 5 SH   SOLE   0 0 5
Invesco QQQ Trust Common 73935A104 118,434 371,117 SH   SOLE   0 0 371,117
Invesco S&P 500 Quality Common 46137V241 41 933 SH   SOLE   0 0 933
iShares Asia ex-Japan Common 464288182 53 575 SH   SOLE   0 0 575
iShares Core Dividend Growth Common 46434V621 1,559 32,307 SH   SOLE   0 0 32,307
iShares Core Emerging Markets Common 46434G103 30 473 SH   SOLE   0 0 473
iShares Expanded Technology Common 464287549 41,314 114,491 SH   SOLE   0 0 114,491
iShares Mid-Cap Growth Common 464287481 163 1,594 SH   SOLE   0 0 1,594
iShares MSCI USA Quality Common 46432F339 770 6,323 SH   SOLE   0 0 6,323
iShares Russell 1000 Growth Common 464287614 1,166 4,797 SH   SOLE   0 0 4,797
iShares Select Dividend Common 464287168 123 1,075 SH   SOLE   0 0 1,075
iShares Short-Term Treasury Common 464288679 1,908 17,269 SH   SOLE   0 0 17,269
Jack Henry Common 426281101 5 34 SH   SOLE   0 0 34
Jardine Matheson Common 471115402 1 8 SH   SOLE   0 0 8
Johnson & Johnson Common 478160104 63 386 SH   SOLE   0 0 386
JPMorgan Chase Common 46625h100 84 550 SH   SOLE   0 0 550
Kering Common 492089107 2 28 SH   SOLE   0 0 28
Keyence Common 006490995 3 7 SH   SOLE   0 0 7
Kodiak Sciences Common 50015M109 46 410 SH   SOLE   0 0 410
Koninklijke KPN Common N4297B146 1 177 SH   SOLE   0 0 177
Koninklijke Philips Common n6817p109 8 136 SH   SOLE   0 0 136
L'Oreal Common 502117203 2 25 SH   SOLE   0 0 25
Lam Research Common 512807108 11 18 SH   SOLE   0 0 18
Lear Corp. Common 521865204 3 16 SH   SOLE   0 0 16
Leidos Holdings Common 525327102 2 18 SH   SOLE   0 0 18
Lennar Common 526057104 40 400 SH   SOLE   0 0 400
Lennox International Common 526107107 8 27 SH   SOLE   0 0 27
Lockheed Martin Common 539830109 6 17 SH   SOLE   0 0 17
London Stock Exchange Common 54211N101 2 89 SH   SOLE   0 0 89
Lowe's Common 548661107 2 13 SH   SOLE   0 0 13
LPL Financial Common 50212V100 3 19 SH   SOLE   0 0 19
LVMH Common 502441306 1 9 SH   SOLE   0 0 9
Marathon Petroleum Common 56585A102 10 180 SH   SOLE   0 0 180
Marsh & McLennan Common 571748102 12 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 28 80 SH   SOLE   0 0 80
McDonald's Common 580135101 196 875 SH   SOLE   0 0 875
McKesson Common 58155Q103 3 17 SH   SOLE   0 0 17
Medtronic Common G5960L103 8 66 SH   SOLE   0 0 66
MercadoLibre Common 58733R102 1 1 SH   SOLE   0 0 1
Merck Common 58933y105 49 633 SH   SOLE   0 0 633
MetLife Common 59156R108 28 456 SH   SOLE   0 0 456
MGM Growth Properties Common 55303A105 123 3,765 SH   SOLE   0 0 3,765
Microsoft Common 594918104 474 2,012 SH   SOLE   0 0 2,012
Mid-America Apartments Common 59522J103 24 165 SH   SOLE   0 0 165
Mondelez Common 609207105 44 759 SH   SOLE   0 0 759
Morgan Stanley Common 617446448 13 167 SH   SOLE   0 0 167
Motorola Solutions Common 620076307 4 21 SH   SOLE   0 0 21
MSCI Inc. Common 55354G100 13 31 SH   SOLE   0 0 31
Murata Manufacturing Common 626425102 1 37 SH   SOLE   0 0 37
Nestle Common 641069406 2 19 SH   SOLE   0 0 19
NetEase Common 64110W102 0 3 SH   SOLE   0 0 3
Netflix Common 64110l106 17 33 SH   SOLE   0 0 33
Newell Rubbermaid Common 651229106 3 102 SH   SOLE   0 0 102
Nidec Common 654090109 1 35 SH   SOLE   0 0 35
Nike Common 654106103 9 66 SH   SOLE   0 0 66
Nio Common 62914V106 7 167 SH   SOLE   0 0 167
Nippon T&T Common 654624105 1 33 SH   SOLE   0 0 33
NiSource Common 65473P105 2 77 SH   SOLE   0 0 77
Nitori Holdings Common 65479L108 1 60 SH   SOLE   0 0 60
Nordson Common 655663102 9 43 SH   SOLE   0 0 43
Novo Nordisk Common K7314N152 3 38 SH   SOLE   0 0 38
Nvidia Common 67066g104 1 2 SH   SOLE   0 0 2
NXP Semiconductors Common N6596X019 4 22 SH   SOLE   0 0 22
Paychex Common 704326107 17 170 SH   SOLE   0 0 170
Paypal Common 70450y103 15 60 SH   SOLE   0 0 60
PepsiCo Common 713448108 113 798 SH   SOLE   0 0 798
Pernod Ricard Common 714264207 1 21 SH   SOLE   0 0 21
Pfizer Common 717081103 11 300 SH   SOLE   0 0 300
Philip Morris International Common 718172109 17 195 SH   SOLE   0 0 195
Pioneer Natural Resources Common 723787107 6 38 SH   SOLE   0 0 38
Pool Corp. Common 73278L105 8 22 SH   SOLE   0 0 22
PPG Industries Common 693506107 4 28 SH   SOLE   0 0 28
PPL Corp. Common 69351T106 2 60 SH   SOLE   0 0 60
Procter & Gamble Common 742718109 562 4,153 SH   SOLE   0 0 4,153
Prologis Common 74340W103 20 193 SH   SOLE   0 0 193
Prosus Common 74365P108 0 10 SH   SOLE   0 0 10
Prudential Financial Common 744320102 4 42 SH   SOLE   0 0 42
Public Service Enterprise Common 744573106 5 91 SH   SOLE   0 0 91
Public Storage Common 74460D109 0 1 SH   SOLE   0 0 1
Qualcomm Common 747525103 18 135 SH   SOLE   0 0 135
Raymond James Common 754730109 4 32 SH   SOLE   0 0 32
Raytheon Technologies Common 75513E101 8 110 SH   SOLE   0 0 110
Reckitt Benckiser Common 756255204 1 78 SH   SOLE   0 0 78
Recruit Holdings Common 316827104 1 56 SH   SOLE   0 0 56
RELX Common 759530108 1 57 SH   SOLE   0 0 57
Rio Tinto Common G75754104 0 6 SH   SOLE   0 0 6
Rollins Common 775711104 5 139 SH   SOLE   0 0 139
Safran Common 786584104 2 65 SH   SOLE   0 0 65
Salesforce.com Common 79466l302 23 110 SH   SOLE   0 0 110
Sanofi Common 590328100 8 165 SH   SOLE   0 0 165
SAP Common 803054204 2 15 SH   SOLE   0 0 15
Schwab U.S. Dividend Equity Common 808524797 1,855 25,432 SH   SOLE   0 0 25,432
Scotts Miracle-Gro Common 810186106 18 75 SH   SOLE   0 0 75
ServiceNow Common 81762P102 16 32 SH   SOLE   0 0 32
Shin-Etsu Chemical Common 824551105 2 41 SH   SOLE   0 0 41
Shionogi Common 824667109 1 82 SH   SOLE   0 0 82
SiteOne Landscape Supply Common 829826103 12 70 SH   SOLE   0 0 70
SMC Corp. Common J75734103 2 4 SH   SOLE   0 0 4
Softbank Common 83404D109 1 33 SH   SOLE   0 0 33
Sonoco Products Common 835495102 17 265 SH   SOLE   0 0 265
Southern Common 842587107 30 485 SH   SOLE   0 0 485
SPDR Communication Services Common 81369Y852 17 237 SH   SOLE   0 0 237
SPDR Health Care Common 81369Y209 16 136 SH   SOLE   0 0 136
SPDR Industrials Common 81369Y704 13 137 SH   SOLE   0 0 137
SPDR S&P 400 Common 78467Y107 4 8 SH   SOLE   0 0 8
SPDR S&P 500 Common 78462f103 29 73 SH   SOLE   0 0 73
SPDR Technology Common 81369Y803 1,074 8,090 SH   SOLE   0 0 8,090
SPDR Total Stock Market Common 78464A805 19 396 SH   SOLE   0 0 396
SS&C Technologies Common 78467J100 2 28 SH   SOLE   0 0 28
Stanley Works Common 854616109 3 15 SH   SOLE   0 0 15
Starbucks Common 855244109 1,194 10,930 SH   SOLE   0 0 10,930
STMicroelectronics Common 861012102 1 27 SH   SOLE   0 0 27
Straumann Common 86317T103 1 19 SH   SOLE   0 0 19
Stryker Common 863667101 16 65 SH   SOLE   0 0 65
Suzuki Motor Common 86959X107 1 3 SH   SOLE   0 0 3
Sysco Common 871829107 30 385 SH   SOLE   0 0 385
Taiwan Semiconductor Common 874039100 15 124 SH   SOLE   0 0 124
Tencent Common 88032Q109 11 136 SH   SOLE   0 0 136
Teradyne Common 880770102 9 73 SH   SOLE   0 0 73
Terumo Common 88156J105 1 17 SH   SOLE   0 0 17
Texas Instruments Common 882508104 17 88 SH   SOLE   0 0 88
TFI International Common 87241L109 1 8 SH   SOLE   0 0 8
Thor Industries Common 885160101 10 77 SH   SOLE   0 0 77
TJX Companies Common 872540109 6 91 SH   SOLE   0 0 91
Tokyo Electron Common 8891101D2 1 6 SH   SOLE   0 0 6
Total Common 89151E109 1 26 SH   SOLE   0 0 26
Trane Technologies Common 00BK9ZQ96 66 400 SH   SOLE   0 0 400
Unicharm Common 90460M204 1 151 SH   SOLE   0 0 151
Unilever Common 904784501 10 188 SH   SOLE   0 0 188
Union Pacific Common 907818108 9 43 SH   SOLE   0 0 43
United Healthcare Common 91324p102 17 45 SH   SOLE   0 0 45
UPS Common 911312106 330 1,942 SH   SOLE   0 0 1,942
Vanguard Dividend Appreciation Common 921908844 514 3,497 SH   SOLE   0 0 3,497
Vanguard Financials Common 92204A405 18 218 SH   SOLE   0 0 218
Vanguard High Dividend Yield Common 921946406 6,671 65,991 SH   SOLE   0 0 65,991
Vanguard Information Technolog Common 92204A702 48,612 135,603 SH   SOLE   0 0 135,603
Vanguard Mega Cap Growth Common 921910816 23,584 113,894 SH   SOLE   0 0 113,894
Vanguard Mega Cap Value Common 921910840 1,507 15,833 SH   SOLE   0 0 15,833
Vanguard Small-Cap Index Common 922908751 25 117 SH   SOLE   0 0 117
Vanguard Value Common 922908744 136 1,035 SH   SOLE   0 0 1,035
Verizon Common 92343v104 133 2,283 SH   SOLE   0 0 2,283
Visa Common 92826c839 24 112 SH   SOLE   0 0 112
W.R. Berkley Common 084423102 7 97 SH   SOLE   0 0 97
Waste Management Common 94106l109 295 2,286 SH   SOLE   0 0 2,286
Wells Fargo Common 949746101 14 365 SH   SOLE   0 0 365
Weyerhaeuser Common 962166104 19 533 SH   SOLE   0 0 533
Williams Companies Common 969457100 5 191 SH   SOLE   0 0 191
Xcel Energy Common 98389B100 13 202 SH   SOLE   0 0 202
Zebra Technologies Common 989207105 13 27 SH   SOLE   0 0 27
Zimmer Bionet Common 98956P102 6 36 SH   SOLE   0 0 36
Zoetis Common 98978V103 17 108 SH   SOLE   0 0 108
Zoom Video Communications Common 98980L101 31 95 SH   SOLE   0 0 95