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
3M Company COM 88579y101 366 2,460 SH   SOLE   0 0 2,460
ABB Ltd. Sponsored ADR COM 000375204 271 8,379 SH   SOLE   0 0 8,379
Abbott Laboratories COM 002824100 1,927 16,279 SH   SOLE   0 0 16,279
AbbVie, Inc. COM 00287y109 3,170 19,557 SH   SOLE   0 0 19,557
Adobe Systems, Inc. COM 00724F101 399 876 SH   SOLE   0 0 876
AFLAC, Inc. COM 001055102 1,081 16,788 SH   SOLE   0 0 16,788
AGNC Investment Corp COM 00123q104 817 62,370 SH   SOLE   0 0 62,370
Air Products & Chem COM 009158106 385 1,541 SH   SOLE   0 0 1,541
Allstate Corp. COM 020002101 1,546 11,164 SH   SOLE   0 0 11,164
Alphabet Inc., Cl. A COM 02079k305 13,320 4,789 SH   SOLE   0 0 4,789
Alphabet Inc., Cl. C COM 02079k107 2,078 744 SH   SOLE   0 0 744
ALPS Sector Dividend Dogs ETF COM 00162q858 213 3,875 SH   SOLE   0 0 3,875
Altria Group, Inc. COM 02209S103 874 16,725 SH   SOLE   0 0 16,725
Amazon.Com Inc. COM 023135106 11,508 3,530 SH   SOLE   0 0 3,530
Ameren Corp. COM 023608102 300 3,196 SH   SOLE   0 0 3,196
American Electric Power COM 025537101 236 2,366 SH   SOLE   0 0 2,366
American Express COM 025816109 252 1,350 SH   SOLE   0 0 1,350
American States Water Co. COM 029899101 2,112 23,728 SH   SOLE   0 0 23,728
American Tower Corp. COM 03027x100 435 1,730 SH   SOLE   0 0 1,730
Amgen, Inc. COM 031162100 328 1,357 SH   SOLE   0 0 1,357
Amyris, Inc. COM 03236m200 46 10,450 SH   SOLE   0 0 10,450
Annaly Capital Mgmt Inc. COM 035710409 998 141,777 SH   SOLE   0 0 141,777
Apartment Income REIT Corp. COM 03750l109 1,475 27,596 SH   SOLE   0 0 27,596
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747 202 27,596 SH   SOLE   0 0 27,596
Apple Inc. COM 037833100 25,545 146,297 SH   SOLE   0 0 146,297
Applied Materials COM 038222105 550 4,174 SH   SOLE   0 0 4,174
Archer Daniels Midland COM 039483102 12,194 135,097 SH   SOLE   0 0 135,097
Arrow Electronics COM 042735100 770 6,490 SH   SOLE   0 0 6,490
ASE Technology Holding Co., Ltd. COM 00215w100 71 10,000 SH   SOLE   0 0 10,000
AstraZeneca PLC ADR COM 046353108 499 7,528 SH   SOLE   0 0 7,528
AT&T Inc. COM 00206R102 759 32,103 SH   SOLE   0 0 32,103
Autodesk COM 052769106 208 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103 1,034 4,546 SH   SOLE   0 0 4,546
AutoZone, Inc. COM 053332102 591 289 SH   SOLE   0 0 289
Avis Budget Group, Inc. COM 053774105 542 2,060 SH   SOLE   0 0 2,060
Ball Corp. COM 058498106 377 4,184 SH   SOLE   0 0 4,184
Bank of America COM 060505104 365 8,865 SH   SOLE   0 0 8,865
Bank of Montreal COM 063671101 397 3,364 SH   SOLE   0 0 3,364
Baxter International COM 071813109 206 2,655 SH   SOLE   0 0 2,655
BCE Inc. COM 05534b760 219 3,943 SH   SOLE   0 0 3,943
Becton Dickinson & Co. COM 075887109 707 2,657 SH   SOLE   0 0 2,657
Berkshire Hathaway, Cl. B COM 084670702 4,573 12,957 SH   SOLE   0 0 12,957
BHP Billiton, Ltd. ADR COM 088606108 365 4,726 SH   SOLE   0 0 4,726
Black Hills Corp. COM 092113109 1,402 18,199 SH   SOLE   0 0 18,199
Blackstone Group Inc. Cl. A COM 09260d107 11,476 90,402 SH   SOLE   0 0 90,402
BP Amoco PLC ADR COM 055622104 961 32,681 SH   SOLE   0 0 32,681
Bristol-Myers Squibb COM 110122108 574 7,854 SH   SOLE   0 0 7,854
Broadcom Inc. COM 11135f101 11,124 17,666 SH   SOLE   0 0 17,666
Canadian Imperial Bank of Commerce COM 136069101 263 2,158 SH   SOLE   0 0 2,158
Cardinal Health COM 14149y108 1,652 29,140 SH   SOLE   0 0 29,140
Caterpillar Inc. COM 149123101 737 3,309 SH   SOLE   0 0 3,309
Celanese Corp. COM 150870103 1,652 11,565 SH   SOLE   0 0 11,565
Cellectar Biosciences, Inc. COM 15117f500 39 56,000 SH   SOLE   0 0 56,000
Charles Schwab Corp. COM 808513105 743 8,808 SH   SOLE   0 0 8,808
Charter Communications, Inc. COM 16119p108 5,343 9,794 SH   SOLE   0 0 9,794
Chevron Corp. COM 166764100 743 4,565 SH   SOLE   0 0 4,565
Chipotle Mexican Grill, A COM 169656105 7,417 4,688 SH   SOLE   0 0 4,688
Cisco Systems COM 17275r102 547 9,806 SH   SOLE   0 0 9,806
Citigroup COM 172967424 2,155 40,352 SH   SOLE   0 0 40,352
Citizens Financial Group COM 174610105 1,785 39,382 SH   SOLE   0 0 39,382
Clorox Co. COM 189054109 1,232 8,862 SH   SOLE   0 0 8,862
Coca Cola COM 191216100 3,129 50,464 SH   SOLE   0 0 50,464
Coca Cola European Partners PLC COM g25839104 222 4,562 SH   SOLE   0 0 4,562
Colgate Palmolive Co. COM 194162103 529 6,977 SH   SOLE   0 0 6,977
Comcast Corp., Cl. A COM 20030N101 765 16,332 SH   SOLE   0 0 16,332
ConocoPhillips COM 20825C104 472 4,722 SH   SOLE   0 0 4,722
Constellation Brands, Inc. COM 21036p108 568 2,466 SH   SOLE   0 0 2,466
Copart, Inc. COM 217204106 477 3,805 SH   SOLE   0 0 3,805
Costco Wholesale Corp. COM 22160K105 10,694 18,571 SH   SOLE   0 0 18,571
Crown Castle Int'l. Corp. COM 22822v101 2,156 11,677 SH   SOLE   0 0 11,677
CSX Corp. COM 126408103 281 7,509 SH   SOLE   0 0 7,509
Cummins Engine Inc. COM 231021106 372 1,812 SH   SOLE   0 0 1,812
CVS Health Corp. COM 126650100 11,327 111,912 SH   SOLE   0 0 111,912
Danaher Corp. COM 235851102 615 2,098 SH   SOLE   0 0 2,098
Debt Resolve Inc. COM 24276r206 0 100,000 SH   SOLE   0 0 100,000
Deere & Co. COM 244199105 7,792 18,755 SH   SOLE   0 0 18,755
Diageo PLC ADR COM 25243Q205 319 1,569 SH   SOLE   0 0 1,569
Digital Realty Trust Inc. COM 253868103 1,803 12,716 SH   SOLE   0 0 12,716
Discover Financial Services, Inc. COM 254709108 234 2,121 SH   SOLE   0 0 2,121
Dollar Tree, Inc. COM 256746108 200 1,249 SH   SOLE   0 0 1,249
Dominos Pizza, Inc. COM 25754a201 297 730 SH   SOLE   0 0 730
DTE Energy COM 233331107 1,880 14,221 SH   SOLE   0 0 14,221
Duke Energy Corp COM 26441c204 309 2,769 SH   SOLE   0 0 2,769
Eaton Corp., PLC COM g29183103 441 2,908 SH   SOLE   0 0 2,908
Eaton Vance Municipal Income TR COM 27826u108 196 16,584 SH   SOLE   0 0 16,584
Edwards Lifesciences Corp. COM 28176E108 394 3,351 SH   SOLE   0 0 3,351
Elevance Health COM 036752103 2,207 4,494 SH   SOLE   0 0 4,494
Emerson Electric Co. COM 291011104 444 4,524 SH   SOLE   0 0 4,524
Enbridge Inc. COM 29250n105 2,762 59,931 SH   SOLE   0 0 59,931
Energy Select Sector SPDR ETF COM 81369y506 485 6,346 SH   SOLE   0 0 6,346
Equinor ASA COM 29446m102 382 10,181 SH   SOLE   0 0 10,181
Essentials Utilities Inc. COM 29670g102 1,202 23,514 SH   SOLE   0 0 23,514
Estee Lauder Co. COM 518439104 3,518 12,918 SH   SOLE   0 0 12,918
Eversource Energy Com. COM 30040w108 303 3,431 SH   SOLE   0 0 3,431
Exxon Mobil Corp. COM 30231G102 928 11,239 SH   SOLE   0 0 11,239
Fedex Corp. COM 31428X106 286 1,234 SH   SOLE   0 0 1,234
Fidelity National Financial, Inc. COM 31620R303 2,003 41,020 SH   SOLE   0 0 41,020
Fidelity National Information Services COM 31620m106 2,934 29,215 SH   SOLE   0 0 29,215
Fifth Third Bancorp COM 316773100 1,424 33,092 SH   SOLE   0 0 33,092
Financial Select Sector SPDR ETF COM 81369y605 282 7,359 SH   SOLE   0 0 7,359
First Busey Corp. COM 319383204 939 37,071 SH   SOLE   0 0 37,071
First Solar, Inc. COM 336433107 1,127 13,462 SH   SOLE   0 0 13,462
First TR Global Tactical Commodity ETF COM 33739h101 1,092 38,423 SH   SOLE   0 0 38,423
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109 598 6,770 SH   SOLE   0 0 6,770
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805 1,396 28,158 SH   SOLE   0 0 28,158
First Trust Capital Strength ETF COM 33733E104 3,374 43,143 SH   SOLE   0 0 43,143
First Trust Dow Jones Internet ETF COM 33733e302 530 2,823 SH   SOLE   0 0 2,823
First Trust ETF Clean Edge Green Energy In COM 33733e500 496 7,678 SH   SOLE   0 0 7,678
First Trust Lunt U.S. Factor Rotation ETF COM 33733e872 1,376 42,020 SH   SOLE   0 0 42,020
First Trust Managed Municipal ETF COM 33739n108 416 7,841 SH   SOLE   0 0 7,841
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108 1,307 13,322 SH   SOLE   0 0 13,322
First Trust Morningstar Div Leaders ETF COM 336917109 5,330 142,354 SH   SOLE   0 0 142,354
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105 2,497 23,276 SH   SOLE   0 0 23,276
First Trust NYSE Arca Biotech ETF COM 33733e203 357 2,395 SH   SOLE   0 0 2,395
First Trust Preferred Secs & Inc ETF COM 33739e108 1,109 58,312 SH   SOLE   0 0 58,312
First Trust Rising Dividend Achievers ETF COM 33738r506 4,123 84,147 SH   SOLE   0 0 84,147
First Trust Senior Loan Fund ETF COM 33738d309 608 12,931 SH   SOLE   0 0 12,931
First Trust SMID Cap Rising Div Achv ETF COM 33741x102 1,739 62,412 SH   SOLE   0 0 62,412
First Trust Value Line Dividend ETF COM 33734h106 4,180 98,817 SH   SOLE   0 0 98,817
First Trust Water ETF COM 33733b100 219 2,598 SH   SOLE   0 0 2,598
Fiserv, Inc. COM 337738108 6,129 60,441 SH   SOLE   0 0 60,441
FlexShares Quality Dividend ETF COM 33939l860 299 5,040 SH   SOLE   0 0 5,040
Ford Motor Company COM 345370860 285 16,865 SH   SOLE   0 0 16,865
Gallagher, Arthur J & Co. COM 363576109 419 2,400 SH   SOLE   0 0 2,400
Garmin Ltd. COM h2906t109 2,528 21,315 SH   SOLE   0 0 21,315
General Mills COM 370334104 1,761 26,007 SH   SOLE   0 0 26,007
Genuine Parts Co. COM 372460105 2,072 16,441 SH   SOLE   0 0 16,441
Gerdau SA ADR COM 373737105 319 49,650 SH   SOLE   0 0 49,650
GlaxoSmithKline PLC COM 37733W105 394 9,045 SH   SOLE   0 0 9,045
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206 808 23,850 SH   SOLE   0 0 23,850
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107 2,100 64,170 SH   SOLE   0 0 64,170
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503 4,854 54,514 SH   SOLE   0 0 54,514
H&E Equipment Services, Inc. COM 404030108 2,446 56,196 SH   SOLE   0 0 56,196
Halliburton Co. COM 406216101 275 7,255 SH   SOLE   0 0 7,255
Hanes Brands, Inc. COM 410345102 995 66,803 SH   SOLE   0 0 66,803
HCA Healthcare Co. COM 40412c101 8,650 34,514 SH   SOLE   0 0 34,514
Health Care Select Sector SPDR ETF COM 81369y209 363 2,649 SH   SOLE   0 0 2,649
Hewlett Packard Enterprise Co. COM 42824c109 1,922 115,017 SH   SOLE   0 0 115,017
Hologic, Inc. COM 436440101 1,625 21,150 SH   SOLE   0 0 21,150
Home Depot, Inc. COM 437076102 8,089 27,023 SH   SOLE   0 0 27,023
Honeywell Internat'l. COM 438516106 434 2,232 SH   SOLE   0 0 2,232
Horizon Pharma PLC COM g46188101 3,891 36,980 SH   SOLE   0 0 36,980
Hormel Foods Corp. COM 440452100 281 5,450 SH   SOLE   0 0 5,450
I.B.M. COM 459200101 327 2,515 SH   SOLE   0 0 2,515
Illinois Tool Works COM 452308109 838 4,001 SH   SOLE   0 0 4,001
Industrial Select Sector SPDR ETF COM 81369y704 480 4,663 SH   SOLE   0 0 4,663
Infosys Technologies, Ltd. COM 456788108 483 19,402 SH   SOLE   0 0 19,402
Intel Corp. COM 458140100 632 12,750 SH   SOLE   0 0 12,750
Intercontinental Exchange Group COM 45866f104 9,540 72,204 SH   SOLE   0 0 72,204
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841 457 21,673 SH   SOLE   0 0 21,673
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825 452 21,633 SH   SOLE   0 0 21,633
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103 3,168 8,739 SH   SOLE   0 0 8,739
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619 1,892 39,758 SH   SOLE   0 0 39,758
Invesco S&P 500 Low Volatility ETF COM 46138e354 2,342 34,911 SH   SOLE   0 0 34,911
Invesco S&P 500 Pure Value ETF COM 46137v258 234 2,735 SH   SOLE   0 0 2,735
Invesco S&P 500 Quality ETF A COM 46137v241 7,240 145,069 SH   SOLE   0 0 145,069
Invesco S&P 500 Revenue ETF COM 46138g698 593 7,350 SH   SOLE   0 0 7,350
IShares Cohen & Steers REIT ETF COM 464287564 336 4,727 SH   SOLE   0 0 4,727
IShares Core US Value ETF COM 464287663 840 11,065 SH   SOLE   0 0 11,065
IShares Edge MSCI USA Quality Factor ETF COM 46432f339 1,363 10,122 SH   SOLE   0 0 10,122
IShares MSCI EAFE ETF COM 464287465 631 8,567 SH   SOLE   0 0 8,567
IShares MSCI USA Minimum Volatility ETF COM 46429b697 4,012 51,725 SH   SOLE   0 0 51,725
IShares MSCI USA Momentum Factor ETF COM 46432f396 4,406 26,185 SH   SOLE   0 0 26,185
IShares Residential Real Estate Capped ETF COM 464288562 658 6,862 SH   SOLE   0 0 6,862
IShares Russell 1000 Growth Index ETF COM 464287614 667 2,404 SH   SOLE   0 0 2,404
IShares Russell 1000 Index Fund ETF COM 464287622 868 3,472 SH   SOLE   0 0 3,472
IShares Russell 1000 Value Index ETF COM 464287598 277 1,670 SH   SOLE   0 0 1,670
IShares Russell 2000 Index ETF COM 464287655 3,467 16,888 SH   SOLE   0 0 16,888
IShares Russell 2000 Value Index ETF COM 464287630 634 3,930 SH   SOLE   0 0 3,930
IShares Russell 3000 Index ETF COM 464287689 4,158 15,847 SH   SOLE   0 0 15,847
IShares Russell Midcap Growth Index ETF COM 464287481 240 2,388 SH   SOLE   0 0 2,388
IShares Russell Midcap Index ETF COM 464287499 2,198 28,165 SH   SOLE   0 0 28,165
IShares Russell Midcap Value Index ETF COM 464287473 4,405 36,816 SH   SOLE   0 0 36,816
iShares Russell Top 200 Growth ETF COM 464289438 649 4,083 SH   SOLE   0 0 4,083
IShares S&P 500 Index ETF COM 464287200 430 948 SH   SOLE   0 0 948
IShares S&P Midcap 400 Index ETF COM 464287507 2,773 10,333 SH   SOLE   0 0 10,333
IShares S&P MidCap 400/Barra Value ETF COM 464287705 1,864 17,005 SH   SOLE   0 0 17,005
IShares S&P SmallCap 600 Barra Value ETF COM 464287879 851 8,309 SH   SOLE   0 0 8,309
IShares S&P SmallCap 600 Index ETF COM 464287804 3,204 29,702 SH   SOLE   0 0 29,702
IShares Select Dividend ETF COM 464287168 1,393 10,873 SH   SOLE   0 0 10,873
IShares TR Core 1-5yr Bond ETF COM 46432f859 954 19,695 SH   SOLE   0 0 19,695
IShares TR Edge MSCI USA Value Factor ETF COM 46432f388 603 5,765 SH   SOLE   0 0 5,765
IShares Tr. S&P 1500 Index ETF COM 464287150 295 2,920 SH   SOLE   0 0 2,920
IShares US Healthcare ETF COM 464287762 683 2,365 SH   SOLE   0 0 2,365
IShares US Real Estate ETF COM 464287739 382 3,531 SH   SOLE   0 0 3,531
Isuzu Motors Ltd. COM 465254209 211 16,319 SH   SOLE   0 0 16,319
J.P. Morgan Chase & Co. COM 46625H100 1,353 9,924 SH   SOLE   0 0 9,924
Jabil Circuit, Inc. COM 466313103 2,011 32,580 SH   SOLE   0 0 32,580
Jacobs Engineering Group, Inc. COM 469814107 2,970 21,550 SH   SOLE   0 0 21,550
Johnson & Johnson COM 478160104 2,423 13,674 SH   SOLE   0 0 13,674
JPMorgan Ultra-Short Income ETF COM 46641q837 1,291 25,675 SH   SOLE   0 0 25,675
Kimberly Clark Corp COM 494368103 1,505 12,218 SH   SOLE   0 0 12,218
Knight-Swift Transportation Holdings, Inc. COM 499049104 556 11,020 SH   SOLE   0 0 11,020
Kraft Heinz Co. COM 500754106 1,578 40,073 SH   SOLE   0 0 40,073
Kronos Worldwide, Inc. COM 50105f105 1,667 107,389 SH   SOLE   0 0 107,389
L3Harris Technologies COM 502431109 356 1,431 SH   SOLE   0 0 1,431
Laboratory Corp. Am. Hldgs. COM 50540r409 392 1,485 SH   SOLE   0 0 1,485
LAM Research Corp. COM 512807108 7,150 13,300 SH   SOLE   0 0 13,300
Lear Corp. COM 521865204 1,527 10,710 SH   SOLE   0 0 10,710
Leidos Holdings, Inc. COM 525327102 2,811 26,026 SH   SOLE   0 0 26,026
Lilly (Eli) COM 532457108 804 2,809 SH   SOLE   0 0 2,809
Linde PLC COM g5494j103 259 811 SH   SOLE   0 0 811
Lockheed Martin Corp. COM 539830109 344 780 SH   SOLE   0 0 780
Logitech Internat'l. SA COM H50430232 552 7,480 SH   SOLE   0 0 7,480
Lowe's Cos COM 548661107 2,909 14,389 SH   SOLE   0 0 14,389
Marathon Petroleum Corp. COM 56585a102 419 4,903 SH   SOLE   0 0 4,903
Masco Corp. COM 574599106 333 6,538 SH   SOLE   0 0 6,538
MasterCard, Inc. COM 57636q104 8,587 24,027 SH   SOLE   0 0 24,027
Materials Select Sector SPDR ETF COM 81369y100 611 6,935 SH   SOLE   0 0 6,935
McDonalds Corp. COM 580135101 1,618 6,542 SH   SOLE   0 0 6,542
MercadoLibre Inc. COM 58733r102 260 219 SH   SOLE   0 0 219
Merck & Co Inc. COM 58933y105 3,658 44,579 SH   SOLE   0 0 44,579
Meta Platforms, Inc. COM 30303m102 7,300 32,831 SH   SOLE   0 0 32,831
Microchip Technology, Inc. COM 595017104 7,514 100,006 SH   SOLE   0 0 100,006
Micron Technology, Inc. COM 595112103 5,899 75,730 SH   SOLE   0 0 75,730
Microport Scientific Corp. COM g60837104 1,110 504,670 SH   SOLE   0 0 504,670
Microsoft Corporation COM 594918104 6,241 20,242 SH   SOLE   0 0 20,242
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104 133 21,490 SH   SOLE   0 0 21,490
Moderna Inc. COM 60770k107 291 1,687 SH   SOLE   0 0 1,687
Mondelez International, Inc. COM 609207105 829 13,205 SH   SOLE   0 0 13,205
Monster Beverage Corp. COM 61174x109 721 9,020 SH   SOLE   0 0 9,020
Moody's Corp. COM 615369105 263 780 SH   SOLE   0 0 780
Morgan Stanley COM 617446448 263 3,010 SH   SOLE   0 0 3,010
Mosaic Co. COM 61945c103 5,365 80,681 SH   SOLE   0 0 80,681
Mowi ASA ADR COM 624678108 301 11,192 SH   SOLE   0 0 11,192
National Grid PLC ADR COM 636274409 336 4,369 SH   SOLE   0 0 4,369
Nestle SA ADR COM 641069406 281 2,162 SH   SOLE   0 0 2,162
Newell Rubbermaid Inc. COM 651229106 878 41,000 SH   SOLE   0 0 41,000
NextEra Energy COM 65339F101 1,304 15,395 SH   SOLE   0 0 15,395
Nike, Inc. COM 654106103 302 2,248 SH   SOLE   0 0 2,248
Norfolk Southern Corp. COM 655844108 317 1,111 SH   SOLE   0 0 1,111
Northrop Grumman COM 666807102 268 599 SH   SOLE   0 0 599
Novartis AG ADR COM 66987v109 307 3,498 SH   SOLE   0 0 3,498
Novo Nordisk A.S. ADR COM 670100205 601 5,414 SH   SOLE   0 0 5,414
Nucor Corp. COM 670346105 3,579 24,079 SH   SOLE   0 0 24,079
Nvidia Corp. COM 67066g104 12,196 44,695 SH   SOLE   0 0 44,695
Old Dominion Freight Line, Inc. COM 679580100 789 2,640 SH   SOLE   0 0 2,640
Old Republic Nat'l. Corp. COM 680223104 1,806 69,803 SH   SOLE   0 0 69,803
Oracle Corp COM 68389X105 853 10,305 SH   SOLE   0 0 10,305
Orange COM 684060106 216 18,240 SH   SOLE   0 0 18,240
Owens Corning COM 690742101 2,491 27,220 SH   SOLE   0 0 27,220
Packaging Corp. of America COM 695156109 2,092 13,402 SH   SOLE   0 0 13,402
PacWest Bancorp COM 695263103 1,610 37,334 SH   SOLE   0 0 37,334
PayChex Inc. COM 704326107 3,535 25,901 SH   SOLE   0 0 25,901
Paypal Hldgs Inc. COM 70450y103 200 1,731 SH   SOLE   0 0 1,731
PepsiCo Inc COM 713448108 2,705 16,158 SH   SOLE   0 0 16,158
Pfizer, Inc. COM 717081103 3,857 74,512 SH   SOLE   0 0 74,512
Philip Morris Internat'l. COM 718172109 1,409 15,004 SH   SOLE   0 0 15,004
PNC Financial Svcs. COM 693475105 248 1,343 SH   SOLE   0 0 1,343
Procter and Gamble COM 742718109 1,785 11,679 SH   SOLE   0 0 11,679
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467 2,113 22,261 SH   SOLE   0 0 22,261
Prudential Financial, Inc. COM 744320102 275 2,330 SH   SOLE   0 0 2,330
Qualcomm Inc. COM 747525103 4,278 27,993 SH   SOLE   0 0 27,993
Quanta Services, Inc. COM 74762e102 4,232 32,155 SH   SOLE   0 0 32,155
Raytheon Technologies Corp. COM 75513e101 396 3,998 SH   SOLE   0 0 3,998
Realty Income Corp. COM 756109104 1,862 26,869 SH   SOLE   0 0 26,869
Regeneron Pharmaceuticals COM 75886f107 2,011 2,880 SH   SOLE   0 0 2,880
Regions Financial Corp. COM 7591ep100 2,361 106,046 SH   SOLE   0 0 106,046
Rio Tinto PLC ADR F COM 767204100 275 3,425 SH   SOLE   0 0 3,425
RPM Inc. Ohio COM 749685103 2,630 32,293 SH   SOLE   0 0 32,293
S&P Global, Inc. COM 78409v104 6,807 16,596 SH   SOLE   0 0 16,596
Salesforce.com COM 79466l302 2,854 13,443 SH   SOLE   0 0 13,443
Sanofi-Aventis ADR COM 80105n105 270 5,252 SH   SOLE   0 0 5,252
Schwab Fundamental US Broad Market ETF COM 808524789 568 9,844 SH   SOLE   0 0 9,844
Schwab Strategic US Small-Cap ETF COM 808524607 978 20,660 SH   SOLE   0 0 20,660
Schwab US Broad Market ETF COM 808524102 3,044 57,010 SH   SOLE   0 0 57,010
Schwab US Div Equity ETF COM 808524797 6,316 80,065 SH   SOLE   0 0 80,065
Schwab US Large-Cap ETF COM 808524201 951 17,668 SH   SOLE   0 0 17,668
Schwab US Large-Cap Growth ETF COM 808524300 826 11,035 SH   SOLE   0 0 11,035
Schwab US Mid-Cap ETF COM 808524508 924 12,183 SH   SOLE   0 0 12,183
Seagate Technology Holdings PLC COM g7997r103 388 4,313 SH   SOLE   0 0 4,313
ServiceNow, Inc. COM 81762p102 714 1,282 SH   SOLE   0 0 1,282
Shell PLC ADR COM 780259305 351 6,391 SH   SOLE   0 0 6,391
Sherwin Williams Company COM 824348106 6,930 27,761 SH   SOLE   0 0 27,761
Siemens AG ADR COM 826197501 200 2,894 SH   SOLE   0 0 2,894
Southern Company COM 842587107 431 5,951 SH   SOLE   0 0 5,951
Southern Copper Corp. COM 84265v105 216 2,850 SH   SOLE   0 0 2,850
SPDR Dow Jones Industrial Average ETF COM 78467x109 755 2,176 SH   SOLE   0 0 2,176
SPDR Gold Shares ETF COM 78463v107 748 4,139 SH   SOLE   0 0 4,139
SPDR Portfolio S&P 500 Growth ETF COM 78464a409 1,314 19,843 SH   SOLE   0 0 19,843
SPDR S&P 500 ETF COM 78462F103 4,136 9,157 SH   SOLE   0 0 9,157
SPDR S&P Dividend ETF COM 78464a763 2,078 16,223 SH   SOLE   0 0 16,223
SPDR S&P MidCap 400 ETF COM 78467y107 1,029 2,098 SH   SOLE   0 0 2,098
SPDR S&P Value ETF COM 78464a508 2,210 52,945 SH   SOLE   0 0 52,945
Starbucks Corp. COM 855244109 249 2,741 SH   SOLE   0 0 2,741
State Street Corp. COM 857477103 802 9,200 SH   SOLE   0 0 9,200
Stryker Corporation COM 863667101 259 967 SH   SOLE   0 0 967
Sun Life Financial, Inc. COM 866796105 297 5,318 SH   SOLE   0 0 5,318
T. Rowe Price Dividend Growth ETF COM 87283q404 235 6,997 SH   SOLE   0 0 6,997
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100 921 8,835 SH   SOLE   0 0 8,835
Target Corp. COM 87612E106 352 1,658 SH   SOLE   0 0 1,658
Technology Select Sector SPDR ETF COM 81369y803 400 2,518 SH   SOLE   0 0 2,518
Tesla Motors Inc., Com COM 88160r101 3,012 2,795 SH   SOLE   0 0 2,795
Thermo Fisher Scientific, Inc. COM 883556102 11,244 19,036 SH   SOLE   0 0 19,036
Timken Co. COM 887389104 2,137 35,203 SH   SOLE   0 0 35,203
Travelers Companies Inc. COM 89417E109 491 2,689 SH   SOLE   0 0 2,689
Truist Financial Corp. COM 89832q109 515 9,090 SH   SOLE   0 0 9,090
UBS Group AG COM h42097107 215 10,990 SH   SOLE   0 0 10,990
Umpqua Holdings Corp. COM 904214103 1,508 79,972 SH   SOLE   0 0 79,972
Unilever PLC ADR COM 904767704 481 10,547 SH   SOLE   0 0 10,547
Union Pacific Corp. COM 907818108 1,643 6,014 SH   SOLE   0 0 6,014
United Parcel Service, Inc. COM 911312106 475 2,217 SH   SOLE   0 0 2,217
United Rentals, Inc. COM 911363109 9,292 26,158 SH   SOLE   0 0 26,158
UnitedHealth Group COM 91324p102 8,659 16,980 SH   SOLE   0 0 16,980
Vale S.A. ADR COM 91912e105 232 11,590 SH   SOLE   0 0 11,590
Vanguard Dividend Appreciation ETF COM 921908844 12,963 79,939 SH   SOLE   0 0 79,939
Vanguard Emerging Mkts. ETF COM 922042858 1,087 23,562 SH   SOLE   0 0 23,562
Vanguard Extended Market ETF COM 922908652 315 1,900 SH   SOLE   0 0 1,900
Vanguard FTSE All-World (ex. US) ETF COM 922042775 2,130 36,980 SH   SOLE   0 0 36,980
Vanguard Growth ETF COM 922908736 1,678 5,836 SH   SOLE   0 0 5,836
Vanguard High Dividend Yield ETF COM 921946406 1,974 17,587 SH   SOLE   0 0 17,587
Vanguard Index Small Cap ETF COM 922908751 5,176 24,356 SH   SOLE   0 0 24,356
Vanguard Information Technology ETF COM 92204a702 2,521 6,052 SH   SOLE   0 0 6,052
Vanguard Large Cap ETF COM 922908637 693 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873 12,018 75,564 SH   SOLE   0 0 75,564
Vanguard Mega Cap Growth ETF COM 921910816 294 1,248 SH   SOLE   0 0 1,248
Vanguard Mid Cap ETF COM 922908629 7,330 30,819 SH   SOLE   0 0 30,819
Vanguard Mid-Cap Growth ETF COM 922908538 1,223 5,488 SH   SOLE   0 0 5,488
Vanguard Mid-Cap Value ETF COM 922908512 1,799 12,021 SH   SOLE   0 0 12,021
Vanguard REIT ETF COM 922908553 856 7,899 SH   SOLE   0 0 7,899
Vanguard Russell 1000 ETF COM 92206c730 7,633 36,838 SH   SOLE   0 0 36,838
Vanguard Russell 1000 Growth ETF COM 92206c680 2,677 37,516 SH   SOLE   0 0 37,516
Vanguard Russell 1000 Value ETF COM 92206c714 1,133 15,562 SH   SOLE   0 0 15,562
Vanguard Russell 3000 ETF COM 92206c599 507 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363 3,453 8,316 SH   SOLE   0 0 8,316
Vanguard S&P 500 Growth ETF COM 921932505 5,234 18,987 SH   SOLE   0 0 18,987
Vanguard S&P 500 Value ETF COM 921932703 328 2,178 SH   SOLE   0 0 2,178
Vanguard Small Cap Growth ETF COM 922908595 473 1,905 SH   SOLE   0 0 1,905
Vanguard Small Cap Value ETF COM 922908611 492 2,798 SH   SOLE   0 0 2,798
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858 579 12,045 SH   SOLE   0 0 12,045
Vanguard Total Stock Market ETF COM 922908769 18,057 79,310 SH   SOLE   0 0 79,310
Vanguard Value ETF COM 922908744 1,059 7,164 SH   SOLE   0 0 7,164
Vanguard World Health Care ETF COM 92204a504 2,585 10,161 SH   SOLE   0 0 10,161
Veolia Environment ADR COM 92334n103 260 8,122 SH   SOLE   0 0 8,122
Verizon Communications COM 92343V104 805 15,807 SH   SOLE   0 0 15,807
Virtu Financial Inc COM 928254101 1,691 45,440 SH   SOLE   0 0 45,440
Visa Inc. COM 92826c839 976 4,401 SH   SOLE   0 0 4,401
Vodafone Group PLC ADR COM 92857w308 197 11,863 SH   SOLE   0 0 11,863
W D 40 Co. COM 929236107 273 1,489 SH   SOLE   0 0 1,489
W. P. Carey Inc. COM 92936u109 3,728 46,113 SH   SOLE   0 0 46,113
Walgreen Boots Alliance Inc. COM 931427108 393 8,786 SH   SOLE   0 0 8,786
Wal-Mart Stores COM 931142103 1,139 7,648 SH   SOLE   0 0 7,648
Walt Disney Co COM 254687106 577 4,208 SH   SOLE   0 0 4,208
Waste Management, Inc. COM 94106L109 333 2,098 SH   SOLE   0 0 2,098
Williams Companies COM 969457100 2,714 81,235 SH   SOLE   0 0 81,235
WisdomTree International Hdgd Div Gr ETF COM 97717x594 1,109 25,838 SH   SOLE   0 0 25,838
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307 494 7,520 SH   SOLE   0 0 7,520
WisdomTree US Quality Dividend Gr ETF COM 97717x669 476 7,470 SH   SOLE   0 0 7,470
Workday, Inc. Cl. A COM 98138h101 287 1,200 SH   SOLE   0 0 1,200
XTrackers MSCI EAFE Hedged Equity ETF COM 233051200 493 13,076 SH   SOLE   0 0 13,076
Yum Brands, Inc. COM 988498101 275 2,321 SH   SOLE   0 0 2,321