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
Abbott Laboratories Common 002824100 52 447 SH   SOLE   0 0 447
AbbVie Common 00287y109 97 858 SH   SOLE   0 0 858
Aberdeen Gold Trust Common 26922Y105 8 470 SH   SOLE   0 0 470
Accenture Common G1151C101 61 207 SH   SOLE   0 0 207
Adobe Systems Common 00724f101 32 55 SH   SOLE   0 0 55
Align Technology Common 016255101 9 14 SH   SOLE   0 0 14
Allegion Common G0176J109 7 50 SH   SOLE   0 0 50
Alphabet Common 02079k107 211 84 SH   SOLE   0 0 84
Alphabet Common 02079k305 200 82 SH   SOLE   0 0 82
American Electric Power Common 025537101 7 84 SH   SOLE   0 0 84
American Express Common 025816109 22 136 SH   SOLE   0 0 136
American Intl. Group Common 026874784 10 210 SH   SOLE   0 0 210
Amgen Common 031162100 4 16 SH   SOLE   0 0 16
ANSYS Inc. Common 03662Q105 6 17 SH   SOLE   0 0 17
Anthem Common 036752103 89 232 SH   SOLE   0 0 232
Apple Common 037833100 232 1,694 SH   SOLE   0 0 1,694
Applied Materials Common 038222105 4 31 SH   SOLE   0 0 31
Arthur J. Gallagher Common 363576109 23 162 SH   SOLE   0 0 162
ASM Holding Common N07059202 4 6 SH   SOLE   0 0 6
Aspen Technology Common 045327103 6 43 SH   SOLE   0 0 43
AstraZeneca Common 046353108 10 165 SH   SOLE   0 0 165
AT&T Common 00206r102 54 1,868 SH   SOLE   0 0 1,868
Auto Data Processing Common 053015103 6 28 SH   SOLE   0 0 28
Autodesk Common 052769106 15 52 SH   SOLE   0 0 52
Bank of America Common 060505104 204 4,937 SH   SOLE   0 0 4,937
Bentley Systems Common 08265T208 9 140 SH   SOLE   0 0 140
Berkshire Hathaway CL B Common 084670702 15 54 SH   SOLE   0 0 54
BlackRock Common 09247x101 50 57 SH   SOLE   0 0 57
Boeing Common 097023105 64 269 SH   SOLE   0 0 269
BP Common 055622104 4 148 SH   SOLE   0 0 148
CDW Corp. Common 12514G102 10 60 SH   SOLE   0 0 60
Charles River Labs Common 159864107 14 39 SH   SOLE   0 0 39
Charles Schwab Common 808513105 10 137 SH   SOLE   0 0 137
Cincinnati Financial Common 172062101 22 190 SH   SOLE   0 0 190
Cintas Common 172908105 17 45 SH   SOLE   0 0 45
Cisco Systems Common 17275R102 38 716 SH   SOLE   0 0 716
Citigroup Common 172967424 17 243 SH   SOLE   0 0 243
CME Group Common 12572q105 6 28 SH   SOLE   0 0 28
Coca-Cola Common 191216100 116 2,138 SH   SOLE   0 0 2,138
Comcast Common 20030n101 148 2,600 SH   SOLE   0 0 2,600
ConocoPhillips Common 20825C104 5 87 SH   SOLE   0 0 87
Consolidated Edison Common 209115104 41 575 SH   SOLE   0 0 575
Cooper Companies Common 216648402 8 21 SH   SOLE   0 0 21
Copart Common 217204106 10 73 SH   SOLE   0 0 73
Crown Castle Common 22822V101 15 75 SH   SOLE   0 0 75
CVS Health Corp. Common 126650100 6 68 SH   SOLE   0 0 68
Disney Common 254687106 364 2,070 SH   SOLE   0 0 2,070
Dollar General Common 256677105 2 10 SH   SOLE   0 0 10
Duke Energy Common 26441C204 58 583 SH   SOLE   0 0 583
DuPont Common 26614N102 5 60 SH   SOLE   0 0 60
Eaton Common G29183103 43 292 SH   SOLE   0 0 292
Eli Lilly Common 532457108 92 400 SH   SOLE   0 0 400
Equifax Common 294429105 8 33 SH   SOLE   0 0 33
Eversource Energy Common 30040w108 9 115 SH   SOLE   0 0 115
Exxon Mobil Common 30231g102 20 320 SH   SOLE   0 0 320
Facebook Common 30303M102 55 160 SH   SOLE   0 0 160
Fair Isaac Common 303250104 5 10 SH   SOLE   0 0 10
Fifth Third Bancorp Common 316773100 22 575 SH   SOLE   0 0 575
Fortune Brands H&S Common 34964C106 149 1,500 SH   SOLE   0 0 1,500
Gartner Common 366651107 17 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
GoodRx Holdings Common 38246G108 32 880 SH   SOLE   0 0 880
Hartford Financial Services Common 416515104 21 340 SH   SOLE   0 0 340
Home Depot Common 437076102 341 1,068 SH   SOLE   0 0 1,068
Honeywell International Common 438516106 48 221 SH   SOLE   0 0 221
Insight Enterprises Common 45765U103 7 69 SH   SOLE   0 0 69
Intel Common 458140100 22 400 SH   SOLE   0 0 400
Invesco QQQ Trust Common 73935A104 1,334 3,765 SH   SOLE   0 0 3,765
iShares Core Dividend Growth Common 46434V621 10,016 198,886 SH   SOLE   0 0 198,886
iShares Expanded Technology Common 464287549 18,798 46,533 SH   SOLE   0 0 46,533
iShares Russell 1000 Growth Common 464287614 231 850 SH   SOLE   0 0 850
iShares Russell 2000 Common 464287655 7 30 SH   SOLE   0 0 30
iShares Russell 2000 Value Common 464287630 2 15 SH   SOLE   0 0 15
iShares U.S. Financials Common 464287788 49 600 SH   SOLE   0 0 600
iShares U.S. Healthcare Common 464287762 146 536 SH   SOLE   0 0 536
iShares U.S. Industrials Common 464287754 39 352 SH   SOLE   0 0 352
Jack Henry Common 426281101 6 34 SH   SOLE   0 0 34
Johnson & Johnson Common 478160104 64 386 SH   SOLE   0 0 386
JPMorgan Chase Common 46625h100 79 508 SH   SOLE   0 0 508
Keyence Common 006490995 4 7 SH   SOLE   0 0 7
Lam Research Common 512807108 12 18 SH   SOLE   0 0 18
Lennar Common 526057104 40 400 SH   SOLE   0 0 400
Lennox International Common 526107107 9 27 SH   SOLE   0 0 27
Lockheed Martin Common 539830109 6 17 SH   SOLE   0 0 17
Marathon Petroleum Common 56585A102 11 180 SH   SOLE   0 0 180
Marsh & McLennan Common 571748102 14 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 19 53 SH   SOLE   0 0 53
McDonald's Common 580135101 167 725 SH   SOLE   0 0 725
Medtronic Common G5960L103 8 66 SH   SOLE   0 0 66
Merck Common 58933y105 49 633 SH   SOLE   0 0 633
MetLife Common 59156R108 27 456 SH   SOLE   0 0 456
MGM Growth Properties Common 55303A105 138 3,765 SH   SOLE   0 0 3,765
Microsoft Common 594918104 657 2,426 SH   SOLE   0 0 2,426
Mid-America Apartments Common 59522J103 28 165 SH   SOLE   0 0 165
Mimecast Common G14838109 11 206 SH   SOLE   0 0 206
Mondelez Common 609207105 45 715 SH   SOLE   0 0 715
Morgan Stanley Common 617446448 15 167 SH   SOLE   0 0 167
Motorola Solutions Common 620076307 5 21 SH   SOLE   0 0 21
MSCI Inc. Common 55354G100 17 31 SH   SOLE   0 0 31
Nike Common 654106103 10 66 SH   SOLE   0 0 66
Nordson Common 655663102 9 43 SH   SOLE   0 0 43
NXP Semiconductors Common N6596X019 5 22 SH   SOLE   0 0 22
Oracle Common 68389x105 62 800 SH   SOLE   0 0 800
Organon Common 68622V106 2 63 SH   SOLE   0 0 63
Paychex Common 704326107 18 170 SH   SOLE   0 0 170
Paypal Common 70450y103 17 60 SH   SOLE   0 0 60
Pfizer Common 717081103 12 300 SH   SOLE   0 0 300
Philip Morris International Common 718172109 19 195 SH   SOLE   0 0 195
Pioneer Natural Resources Common 723787107 6 38 SH   SOLE   0 0 38
Pool Corp. Common 73278L105 10 22 SH   SOLE   0 0 22
Procter & Gamble Common 742718109 546 4,044 SH   SOLE   0 0 4,045
Prologis Common 74340W103 23 193 SH   SOLE   0 0 193
Prudential Financial Common 744320102 4 42 SH   SOLE   0 0 42
Public Storage Common 74460D109 0 1 SH   SOLE   0 0 1
Qualcomm Common 747525103 19 135 SH   SOLE   0 0 135
Raytheon Technologies Common 75513E101 9 110 SH   SOLE   0 0 110
Real Estate Select Sector SPDR Common 81369Y860 30,012 677,011 SH   SOLE   0 0 677,011
Salesforce.com Common 79466l302 22 91 SH   SOLE   0 0 91
Schwab U.S. Dividend Equity Common 808524797 35,719 472,345 SH   SOLE   0 0 472,345
Schwab U.S. Large-Cap Value Common 808524409 20,023 292,867 SH   SOLE   0 0 292,867
Scotts Miracle-Gro Common 810186106 14 75 SH   SOLE   0 0 75
ServiceNow Common 81762P102 18 32 SH   SOLE   0 0 32
SiteOne Landscape Supply Common 829826103 12 70 SH   SOLE   0 0 70
Southern Common 842587107 36 588 SH   SOLE   0 0 588
SPDR S&P 500 Common 78462f103 21 50 SH   SOLE   0 0 50
SPDR Technology Common 81369Y803 1,001 6,779 SH   SOLE   0 0 6,779
SPDR Total Stock Market Common 78464A805 21 396 SH   SOLE   0 0 396
Starbucks Common 855244109 1,222 10,930 SH   SOLE   0 0 10,930
Stryker Common 863667101 17 65 SH   SOLE   0 0 65
Sysco Common 871829107 30 385 SH   SOLE   0 0 385
Taiwan Semiconductor Common 874039100 4 32 SH   SOLE   0 0 32
Teradyne Common 880770102 10 73 SH   SOLE   0 0 73
Texas Instruments Common 882508104 16 82 SH   SOLE   0 0 82
The Williams Companies Common 969457100 5 191 SH   SOLE   0 0 191
Thor Industries Common 885160101 9 77 SH   SOLE   0 0 77
Trane Technologies Common 00BK9ZQ96 74 400 SH   SOLE   0 0 400
Union Pacific Common 907818108 4 19 SH   SOLE   0 0 19
United Healthcare Common 91324p102 18 45 SH   SOLE   0 0 45
UPS Common 911312106 509 2,447 SH   SOLE   0 0 2,447
Vanguard Financials Common 92204A405 18 197 SH   SOLE   0 0 197
Vanguard High Dividend Yield Common 921946406 34,789 332,055 SH   SOLE   0 0 332,055
Vanguard Information Technolog Common 92204A702 30,170 75,658 SH   SOLE   0 0 75,658
Vanguard Real Estate Common 922908553 10 96 SH   SOLE   0 0 96
Vanguard S&P 500 Common 922908363 14 36 SH   SOLE   0 0 36
Vanguard Small Cap Growth Common 922908595 10 36 SH   SOLE   0 0 36
Vanguard Value Common 922908744 35,759 260,143 SH   SOLE   0 0 260,143
Verizon Common 92343v104 128 2,283 SH   SOLE   0 0 2,283
Visa Common 92826c839 26 112 SH   SOLE   0 0 112
W.R. Berkley Common 084423102 7 97 SH   SOLE   0 0 97
Waste Management Common 94106l109 320 2,286 SH   SOLE   0 0 2,286
Wells Fargo Common 949746101 17 365 SH   SOLE   0 0 365
Weyerhaeuser Common 962166104 18 533 SH   SOLE   0 0 533
Xcel Energy Common 98389B100 13 202 SH   SOLE   0 0 202
Zebra Technologies Common 989207105 14 27 SH   SOLE   0 0 27
Zoetis Common 98978V103 20 108 SH   SOLE   0 0 108