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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Eaton Vance Municipal Income TR COM 27826u108   163,684 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   364,851 7,281 SH   SOLE   0 0 7,281
iShares National Muni Bond ETF COM 464288414   354,020 3,355 SH   SOLE   0 0 3,355
First Trust Senior Loan Fund ETF COM 33738d309   546,731 12,261 SH   SOLE   0 0 12,261
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   571,288 27,888 SH   SOLE   0 0 27,888
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825   435,689 21,633 SH   SOLE   0 0 21,633
JPMorgan Ultra-Short Income ETF COM 46641q837   2,202,963 43,945 SH   SOLE   0 0 43,945
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   1,211,885 27,593 SH   SOLE   0 0 27,593
IShares TR Core 1-5yr Bond ETF COM 46432f859   1,020,287 21,970 SH   SOLE   0 0 21,970
Invesco Actively Mgd ETF COM 46090a804   392,672 8,450 SH   SOLE   0 0 8,450
Gerdau SA ADR COM 373737105   209,742 37,928 SH   SOLE   0 0 37,928
AB Volvo ADR COM 928854108   208,055 11,533 SH   SOLE   0 0 11,533
First Trust Water ETF COM 33733b100   206,177 2,598 SH   SOLE   0 0 2,598
Amazon.Com Inc. COM 023135106   8,131,536 96,804 SH   SOLE   0 0 96,804
AutoZone, Inc. COM 053332102   488,304 198 SH   SOLE   0 0 198
Best Buy Company, Inc. COM 086516101   1,302,530 16,239 SH   SOLE   0 0 16,239
Chipotle Mexican Grill, A COM 169656105   6,591,965 4,751 SH   SOLE   0 0 4,751
Choice Hotels Internat'l., Inc. COM 169905106   428,032 3,800 SH   SOLE   0 0 3,800
Garmin Ltd. COM h2906t109   2,202,224 23,862 SH   SOLE   0 0 23,862
Genuine Parts Co. COM 372460105   2,164,884 12,477 SH   SOLE   0 0 12,477
Grupo Aeroportuario del Pacifico ADR COM 400506101   213,126 1,482 SH   SOLE   0 0 1,482
Home Depot, Inc. COM 437076102   8,687,249 27,503 SH   SOLE   0 0 27,503
Isuzu Motors Ltd. COM 465254209   137,764 11,866 SH   SOLE   0 0 11,866
Lowe's Cos COM 548661107   2,144,221 10,762 SH   SOLE   0 0 10,762
McDonalds Corp. COM 580135101   2,293,466 8,703 SH   SOLE   0 0 8,703
Nike, Inc. COM 654106103   277,782 2,374 SH   SOLE   0 0 2,374
Starbucks Corp. COM 855244109   537,403 5,417 SH   SOLE   0 0 5,417
Target Corp. COM 87612E106   280,791 1,884 SH   SOLE   0 0 1,884
Tesla Motors Inc. COM 88160r101   789,337 6,408 SH   SOLE   0 0 6,408
Unilever PLC ADR COM 904767704   619,657 12,307 SH   SOLE   0 0 12,307
W D 40 Co. COM 929236107   240,042 1,489 SH   SOLE   0 0 1,489
Yum Brands, Inc. COM 988498101   300,860 2,349 SH   SOLE   0 0 2,349
Altria Group, Inc. COM 02209S103   769,299 16,830 SH   SOLE   0 0 16,830
Anheuser Busch Co. COM 03524a108   297,979 4,963 SH   SOLE   0 0 4,963
Archer Daniels Midland COM 039483102   12,663,429 136,386 SH   SOLE   0 0 136,386
British American Tobacco ADR COM 110448107   208,496 5,215 SH   SOLE   0 0 5,215
Cal-Maine Foods, Inc. COM 128030202   1,191,475 21,882 SH   SOLE   0 0 21,882
Coca Cola COM 191216100   3,383,607 53,193 SH   SOLE   0 0 53,193
Coca Cola European Partners PLC COM g25839104   352,222 6,367 SH   SOLE   0 0 6,367
Colgate Palmolive Co. COM 194162103   574,931 7,297 SH   SOLE   0 0 7,297
Constellation Brands, Inc. COM 21036p108   544,381 2,349 SH   SOLE   0 0 2,349
Costco Wholesale Corp. COM 22160K105   8,989,398 19,692 SH   SOLE   0 0 19,692
Diageo PLC ADR COM 25243Q205   345,510 1,939 SH   SOLE   0 0 1,939
Estee Lauder Co. COM 518439104   1,015,514 4,093 SH   SOLE   0 0 4,093
Flowers Foods, Inc. COM 343498101   1,266,830 44,079 SH   SOLE   0 0 44,079
General Mills COM 370334104   2,097,025 25,009 SH   SOLE   0 0 25,009
Hormel Foods Corp. COM 440452100   248,248 5,450 SH   SOLE   0 0 5,450
Kimberly Clark Corp COM 494368103   1,729,998 12,744 SH   SOLE   0 0 12,744
Kraft Heinz Co. COM 500754106   1,933,481 47,494 SH   SOLE   0 0 47,494
Mondelez International, Inc. COM 609207105   826,793 12,405 SH   SOLE   0 0 12,405
Monster Beverage Corp. COM 61174x109   240,626 2,370 SH   SOLE   0 0 2,370
Mowi ASA ADR COM 624678108   229,021 13,456 SH   SOLE   0 0 13,456
Nestle SA ADR COM 641069406   246,943 2,141 SH   SOLE   0 0 2,141
PepsiCo Inc COM 713448108   3,322,424 18,390 SH   SOLE   0 0 18,390
Philip Morris Internat'l. COM 718172109   1,548,220 15,297 SH   SOLE   0 0 15,297
Procter and Gamble COM 742718109   2,259,185 14,906 SH   SOLE   0 0 14,906
Wal-Mart Stores COM 931142103   1,443,280 10,179 SH   SOLE   0 0 10,179
Walgreen Boots Alliance Inc. COM 931427108   388,021 10,386 SH   SOLE   0 0 10,386
BP Amoco PLC ADR COM 055622104   1,052,301 30,126 SH   SOLE   0 0 30,126
Cheniere Energy, Inc COM 16411r208   8,236,253 54,923 SH   SOLE   0 0 54,923
Chevron Corp. COM 166764100   1,077,974 6,006 SH   SOLE   0 0 6,006
ConocoPhillips COM 20825C104   714,726 6,057 SH   SOLE   0 0 6,057
Devon Energy Corp. COM 25179M103   7,290,042 118,518 SH   SOLE   0 0 118,518
Enbridge Inc. COM 29250n105   2,786,410 71,335 SH   SOLE   0 0 71,335
Energy Select Sector SPDR ETF COM 81369y506   712,881 8,150 SH   SOLE   0 0 8,150
Exxon Mobil Corp. COM 30231G102   1,529,420 13,866 SH   SOLE   0 0 13,866
Halliburton Co. COM 406216101   204,620 5,200 SH   SOLE   0 0 5,200
Marathon Petroleum Corp. COM 56585a102   510,254 4,384 SH   SOLE   0 0 4,384
Murphy Oil Corp. COM 626717102   1,664,745 38,706 SH   SOLE   0 0 38,706
Shell PLC ADR COM 780259305   413,913 7,268 SH   SOLE   0 0 7,268
Total Energies SE COM 89151e109   229,696 3,700 SH   SOLE   0 0 3,700
Williams Companies COM 969457100   2,483,753 75,494 SH   SOLE   0 0 75,494
AFLAC, Inc. COM 001055102   1,079,694 15,008 SH   SOLE   0 0 15,008
Allstate Corp. COM 020002101   910,418 6,714 SH   SOLE   0 0 6,714
American Express COM 025816109   214,238 1,450 SH   SOLE   0 0 1,450
Bank of America COM 060505104   324,675 9,803 SH   SOLE   0 0 9,803
Bank of Montreal COM 063671101   300,520 3,317 SH   SOLE   0 0 3,317
Barings BDC, Inc. COM 06759l103   113,073 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   468,711 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   4,194,862 13,580 SH   SOLE   0 0 13,580
Blackstone Group Inc. Cl. A COM 09260d107   7,141,417 96,258 SH   SOLE   0 0 96,258
Canadian Imperial Bank of Commerce COM 136069101   216,367 5,349 SH   SOLE   0 0 5,349
Charles Schwab Corp. COM 808513105   770,517 9,254 SH   SOLE   0 0 9,254
Citigroup COM 172967424   1,816,437 40,160 SH   SOLE   0 0 40,160
Citizens Financial Group COM 174610105   2,286,309 58,072 SH   SOLE   0 0 58,072
Discover Financial Services, Inc. COM 254709108   233,912 2,391 SH   SOLE   0 0 2,391
Fidelity National Financial, Inc. COM 31620R303   1,127,923 29,982 SH   SOLE   0 0 29,982
Fifth Third Bancorp COM 316773100   1,113,539 33,939 SH   SOLE   0 0 33,939
Financial Select Sector SPDR ETF COM 81369y605   208,073 6,084 SH   SOLE   0 0 6,084
First Busey Corp. COM 319383204   1,612,074 65,213 SH   SOLE   0 0 65,213
Gallagher, Arthur J & Co. COM 363576109   294,122 1,560 SH   SOLE   0 0 1,560
Huntington Bancshares COM 446150104   174,840 12,400 SH   SOLE   0 0 12,400
Intercontinental Exchange Group COM 45866f104   6,702,923 65,337 SH   SOLE   0 0 65,337
J.P. Morgan Chase & Co. COM 46625H100   1,331,077 9,926 SH   SOLE   0 0 9,926
Mitsubishi UFJ Fin'l. Grp. ADR COM 606816104   181 12,083 SH   SOLE   0 0 12,083
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   127,330 19,090 SH   SOLE   0 0 19,090
Moody's Corp. COM 615369105   674,260 2,420 SH   SOLE   0 0 2,420
Morgan Stanley COM 617446448   245,963 2,893 SH   SOLE   0 0 2,893
Old Republic Nat'l. Corp. COM 680223104   1,709,096 70,770 SH   SOLE   0 0 70,770
PNC Financial Svcs. COM 693475105   224,275 1,420 SH   SOLE   0 0 1,420
PacWest Bancorp COM 695263103   225,713 9,835 SH   SOLE   0 0 9,835
Ping An Insurance Company of China ADR COM 72341e304   209,545 15,935 SH   SOLE   0 0 15,935
Prudential Financial, Inc. COM 744320102   203,893 2,050 SH   SOLE   0 0 2,050
Regions Financial Corp. COM 7591ep100   2,915,214 135,214 SH   SOLE   0 0 135,214
S&P Global, Inc. COM 78409v104   3,302,508 9,860 SH   SOLE   0 0 9,860
State Street Corp. COM 857477103   542,990 7,000 SH   SOLE   0 0 7,000
Sun Life Financial, Inc. COM 866796105   298,341 6,427 SH   SOLE   0 0 6,427
Swiss Re Ltd. COM 870886108   234,577 9,982 SH   SOLE   0 0 9,982
Travelers Companies Inc. COM 89417E109   523,097 2,790 SH   SOLE   0 0 2,790
Tri-Continental Corp. COM 895436103   233,340 9,104 SH   SOLE   0 0 9,104
Truist Financial Corp. COM 89832q109   270,228 6,280 SH   SOLE   0 0 6,280
UBS Group AG COM h42097107   193,477 10,363 SH   SOLE   0 0 10,363
Umpqua Holdings Corp. COM 904214103   1,409,739 78,977 SH   SOLE   0 0 78,977
Valley National Bancorp COM 919794107   1,733,676 153,287 SH   SOLE   0 0 153,287
AbbVie, Inc. COM 00287y109   3,159,197 19,548 SH   SOLE   0 0 19,548
Abbott Laboratories COM 002824100   1,785,625 16,264 SH   SOLE   0 0 16,264
Amgen, Inc. COM 031162100   401,577 1,529 SH   SOLE   0 0 1,529
AstraZeneca PLC ADR COM 046353108   1,147,244 16,921 SH   SOLE   0 0 16,921
Becton Dickinson & Co. COM 075887109   693,476 2,727 SH   SOLE   0 0 2,727
Bristol-Myers Squibb COM 110122108   705,830 9,810 SH   SOLE   0 0 9,810
CIGNA Corp. COM 125523100   1,386,327 4,184 SH   SOLE   0 0 4,184
CVS Health Corp. COM 126650100   10,298,800 110,514 SH   SOLE   0 0 110,514
Cardinal Health COM 14149y108   2,317,938 30,154 SH   SOLE   0 0 30,154
Danaher Corp. COM 235851102   603,831 2,275 SH   SOLE   0 0 2,275
Elevance Health COM 036752103   1,459,343 2,845 SH   SOLE   0 0 2,845
First Trust NYSE Arca Biotech ETF COM 33733e203   369,141 2,395 SH   SOLE   0 0 2,395
Gilead Sciences Inc. COM 375558103   8,643,098 100,677 SH   SOLE   0 0 100,677
GlaxoSmithKline PLC COM 37733w204   338,012 9,619 SH   SOLE   0 0 9,619
HCA Healthcare Co. COM 40412c101   8,644,799 36,026 SH   SOLE   0 0 36,026
Health Care Select Sector SPDR ETF COM 81369y209   430,237 3,167 SH   SOLE   0 0 3,167
Hologic, Inc. COM 436440101   1,131,875 15,130 SH   SOLE   0 0 15,130
IShares US Healthcare ETF COM 464287762   670,974 2,365 SH   SOLE   0 0 2,365
Johnson & Johnson COM 478160104   2,773,581 15,701 SH   SOLE   0 0 15,701
Laboratory Corp. Am. Hldgs. COM 50540r409   362,404 1,539 SH   SOLE   0 0 1,539
Lilly (Eli) COM 532457108   1,251,122 3,420 SH   SOLE   0 0 3,420
Medifast, Inc. COM 58470h101   702,712 6,092 SH   SOLE   0 0 6,092
Merck & Co Inc. COM 58933y105   5,266,083 47,464 SH   SOLE   0 0 47,464
Meridian Bioscience, Inc. COM 589584101   269,997 8,130 SH   SOLE   0 0 8,130
Microport Scientific Corp. COM g60837104   1,337,376 504,670 SH   SOLE   0 0 504,670
Moderna Inc. COM 60770k107   309,845 1,725 SH   SOLE   0 0 1,725
Novartis AG ADR COM 66987v109   342,740 3,778 SH   SOLE   0 0 3,778
Novo Nordisk A.S. ADR COM 670100205   702,144 5,188 SH   SOLE   0 0 5,188
Pfizer, Inc. COM 717081103   4,037,610 78,798 SH   SOLE   0 0 78,798
Quest Diagnostics COM 74834L100   2,522,751 16,126 SH   SOLE   0 0 16,126
Regeneron Pharmaceuticals COM 75886f107   5,783,464 8,016 SH   SOLE   0 0 8,016
Stryker Corporation COM 863667101   236,422 967 SH   SOLE   0 0 967
Takeda Pharmaceutical Co. COM 874060205   200,788 12,871 SH   SOLE   0 0 12,871
Thermo Fisher Scientific, Inc. COM 883556102   9,900,305 17,978 SH   SOLE   0 0 17,978
UnitedHealth Group COM 91324p102   7,698,744 14,521 SH   SOLE   0 0 14,521
Vanguard World Health Care ETF COM 92204a504   2,594,851 10,461 SH   SOLE   0 0 10,461
Vertex Pharmaceutical COM 92532F100   269,143 932 SH   SOLE   0 0 932
3M Company COM 88579y101   450,899 3,760 SH   SOLE   0 0 3,760
ABB Ltd. Sponsored ADR COM 000375204   230,125 7,555 SH   SOLE   0 0 7,555
Boeing Company COM 097023105   204,015 1,071 SH   SOLE   0 0 1,071
CSX Corp. COM 126408103   232,629 7,509 SH   SOLE   0 0 7,509
Caterpillar Inc. COM 149123101   1,494,300 6,238 SH   SOLE   0 0 6,238
Cummins Engine Inc. COM 231021106   915,372 3,778 SH   SOLE   0 0 3,778
Deere & Co. COM 244199105   7,871,605 18,359 SH   SOLE   0 0 18,359
Eaton Corp., PLC COM g29183103   942,956 6,008 SH   SOLE   0 0 6,008
Emerson Electric Co. COM 291011104   371,775 3,870 SH   SOLE   0 0 3,870
General Dynamics COM 369550108   215,111 867 SH   SOLE   0 0 867
H&E Equipment Services, Inc. COM 404030108   1,946,116 42,866 SH   SOLE   0 0 42,866
Illinois Tool Works COM 452308109   881,331 4,001 SH   SOLE   0 0 4,001
Industrial Select Sector SPDR ETF COM 81369y704   377,814 3,847 SH   SOLE   0 0 3,847
Jacobs Solutions, Inc. COM 46982l108   2,514,266 20,940 SH   SOLE   0 0 20,940
Knight-Swift Transportation Holdings, Inc. COM 499049104   208,068 3,970 SH   SOLE   0 0 3,970
Lockheed Martin Corp. COM 539830109   441,246 907 SH   SOLE   0 0 907
Masco Corp. COM 574599106   305,128 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   372,341 1,511 SH   SOLE   0 0 1,511
Northrop Grumman COM 666807102   326,820 599 SH   SOLE   0 0 599
Oshkosh Corp. COM 688239201   220,475 2,500 SH   SOLE   0 0 2,500
Owens Corning COM 690742101   3,973,018 46,577 SH   SOLE   0 0 46,577
Quanta Services, Inc. COM 74762e102   2,850,713 20,005 SH   SOLE   0 0 20,005
RPM Inc. Ohio COM 749685103   3,255,426 33,406 SH   SOLE   0 0 33,406
Raytheon Technologies Corp. COM 75513e101   475,333 4,710 SH   SOLE   0 0 4,710
Saia, Inc. COM 78709Y105   431,941 2,060 SH   SOLE   0 0 2,060
Snap-on Incorporated COM 833034101   1,611,997 7,055 SH   SOLE   0 0 7,055
Timken Co. COM 887389104   2,640,373 37,362 SH   SOLE   0 0 37,362
Union Pacific Corp. COM 907818108   1,465,849 7,079 SH   SOLE   0 0 7,079
United Parcel Service, Inc. COM 911312106   396,355 2,280 SH   SOLE   0 0 2,280
United Rentals, Inc. COM 911363109   9,121,499 25,664 SH   SOLE   0 0 25,664
Waste Management, Inc. COM 94106L109   492,603 3,140 SH   SOLE   0 0 3,140
WillScot Mobile Mini Hldgs Corp, Cl. A COM 971378104   801,722 17,749 SH   SOLE   0 0 17,749
American Tower Corp. COM 03027x100   4,207,963 19,862 SH   SOLE   0 0 19,862
Apartment Income REIT Corp. COM 03750l109   946,819 27,596 SH   SOLE   0 0 27,596
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747   196,484 27,596 SH   SOLE   0 0 27,596
Digital Realty Trust Inc. COM 253868103   1,708,601 17,040 SH   SOLE   0 0 17,040
Essex Property Trust COM 297178105   941,772 4,444 SH   SOLE   0 0 4,444
IShares Cohen & Steers REIT ETF COM 464287564   269,374 4,912 SH   SOLE   0 0 4,912
IShares Residential Real Estate Capped ETF COM 464288562   468,949 6,862 SH   SOLE   0 0 6,862
Realty Income Corp. COM 756109104   1,880,255 29,643 SH   SOLE   0 0 29,643
Vanguard REIT ETF COM 922908553   534,182 6,477 SH   SOLE   0 0 6,477
W. P. Carey Inc. COM 92936u109   3,740,313 47,861 SH   SOLE   0 0 47,861
Accenture, Ltd. COM g1151c101   220,677 827 SH   SOLE   0 0 827
Adobe Systems, Inc. COM 00724F101   319,367 949 SH   SOLE   0 0 949
Advanced Micro Devices COM 007903107   724,712 11,189 SH   SOLE   0 0 11,189
Analog Devices Inc. COM 032654105   221,441 1,350 SH   SOLE   0 0 1,350
Apple Inc. COM 037833100   22,468,497 172,928 SH   SOLE   0 0 172,928
Applied Materials COM 038222105   311,226 3,196 SH   SOLE   0 0 3,196
Automatic Data Processing COM 053015103   1,340,960 5,614 SH   SOLE   0 0 5,614
Avnet Inc. COM 053807103   1,481,329 35,626 SH   SOLE   0 0 35,626
Broadcom Inc. COM 11135f101   10,447,903 18,686 SH   SOLE   0 0 18,686
Cisco Systems COM 17275r102   997,725 20,943 SH   SOLE   0 0 20,943
Debt Resolve Inc. COM 24276r206   100 100,000 SH   SOLE   0 0 100,000
Fidelity National Information Services COM 31620m106   300,440 4,428 SH   SOLE   0 0 4,428
First Solar, Inc. COM 336433107   489,514 3,268 SH   SOLE   0 0 3,268
Fiserv, Inc. COM 337738108   6,664,152 65,936 SH   SOLE   0 0 65,936
Global Payments Inc. COM 37940x102   1,410,841 14,205 SH   SOLE   0 0 14,205
Hewlett Packard Enterprise Co. COM 42824c109   1,922,063 120,430 SH   SOLE   0 0 120,430
Honeywell Internat'l. COM 438516106   522,678 2,439 SH   SOLE   0 0 2,439
I.B.M. COM 459200101   1,014,267 7,199 SH   SOLE   0 0 7,199
Infosys Technologies, Ltd. COM 456788108   328,863 18,260 SH   SOLE   0 0 18,260
Intel Corp. COM 458140100   505,616 19,130 SH   SOLE   0 0 19,130
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   2,343,467 8,801 SH   SOLE   0 0 8,801
Jabil Circuit, Inc. COM 466313103   2,320,846 34,030 SH   SOLE   0 0 34,030
L3Harris Technologies COM 502431109   291,494 1,400 SH   SOLE   0 0 1,400
LAM Research Corp. COM 512807108   6,718,916 15,986 SH   SOLE   0 0 15,986
Leidos Holdings, Inc. COM 525327102   2,881,890 27,397 SH   SOLE   0 0 27,397
Logitech Internat'l. SA COM H50430232   403,629 6,484 SH   SOLE   0 0 6,484
MasterCard, Inc. COM 57636q104   8,300,315 23,870 SH   SOLE   0 0 23,870
Microchip Technology, Inc. COM 595017104   8,017,236 114,124 SH   SOLE   0 0 114,124
Micron Technology, Inc. COM 595112103   2,226,959 44,557 SH   SOLE   0 0 44,557
Microsoft Corporation COM 594918104   13,005,871 54,232 SH   SOLE   0 0 54,232
Motorola Solutions, Inc. COM 620076307   204,106 792 SH   SOLE   0 0 792
Nvidia Corp. COM 67066g104   8,410,557 57,551 SH   SOLE   0 0 57,551
Oracle Corp COM 68389X105   933,716 11,423 SH   SOLE   0 0 11,423
PayChex Inc. COM 704326107   2,792,623 24,166 SH   SOLE   0 0 24,166
Qualcomm Inc. COM 747525103   1,534,213 13,955 SH   SOLE   0 0 13,955
Salesforce.com COM 79466l302   1,872,038 14,119 SH   SOLE   0 0 14,119
Siemens AG ADR COM 826197501   251,015 3,649 SH   SOLE   0 0 3,649
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   750,710 10,078 SH   SOLE   0 0 10,078
Technology Select Sector SPDR ETF COM 81369y803   354,903 2,852 SH   SOLE   0 0 2,852
Vanguard Information Technology ETF COM 92204a702   1,731,522 5,421 SH   SOLE   0 0 5,421
Visa Inc. COM 92826c839   900,640 4,335 SH   SOLE   0 0 4,335
Workday, Inc. Cl. A COM 98138h101   200,796 1,200 SH   SOLE   0 0 1,200
Air Products & Chem COM 009158106   393,648 1,277 SH   SOLE   0 0 1,277
Albemarle Corp. COM 012653101   210,921 973 SH   SOLE   0 0 973
Amyris, Inc. COM 03236m200   15,989 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108   283,693 4,572 SH   SOLE   0 0 4,572
Ball Corp. COM 058498106   213,970 4,184 SH   SOLE   0 0 4,184
Dow Inc. COM 260557103   287,727 5,710 SH   SOLE   0 0 5,710
International Paper COM 460146103   223,987 6,468 SH   SOLE   0 0 6,468
Linde PLC COM g5494j103   306,609 940 SH   SOLE   0 0 940
Materials Select Sector SPDR ETF COM 81369y100   419,550 5,401 SH   SOLE   0 0 5,401
Mosaic Co. COM 61945c103   1,635,649 37,284 SH   SOLE   0 0 37,284
Nucor Corp. COM 670346105   2,943,976 22,335 SH   SOLE   0 0 22,335
Rio Tinto PLC ADR F COM 767204100   483,946 6,797 SH   SOLE   0 0 6,797
Sherwin Williams Company COM 824348106   4,857,908 20,469 SH   SOLE   0 0 20,469
WestRock Company COM 96145d105   3,494,201 99,380 SH   SOLE   0 0 99,380
AT&T Inc. COM 00206R102   656,099 35,638 SH   SOLE   0 0 35,638
Alphabet Inc., Cl. A COM 02079k305   9,181,390 104,062 SH   SOLE   0 0 104,062
Alphabet Inc., Cl. C COM 02079k107   1,428,733 16,102 SH   SOLE   0 0 16,102
Crown Castle Int'l. Corp. COM 22822v101   223,263 1,646 SH   SOLE   0 0 1,646
Meta Platforms, Inc. COM 30303m102   2,101,257 17,461 SH   SOLE   0 0 17,461
Omnicom Group COM 681919106   1,400,802 17,173 SH   SOLE   0 0 17,173
Verizon Communications COM 92343V104   687,609 17,452 SH   SOLE   0 0 17,452
Vodafone Group PLC ADR COM 92857w308   145,354 14,363 SH   SOLE   0 0 14,363
Walt Disney Co COM 254687106   4,664,674 53,691 SH   SOLE   0 0 53,691
Allete, Inc. COM 018522300   1,349,549 20,920 SH   SOLE   0 0 20,920
Ameren Corp. COM 023608102   284,220 3,196 SH   SOLE   0 0 3,196
American Electric Power COM 025537101   372,598 3,924 SH   SOLE   0 0 3,924
American States Water Co. COM 029899101   2,257,202 24,389 SH   SOLE   0 0 24,389
Black Hills Corp. COM 092113109   1,280,118 18,199 SH   SOLE   0 0 18,199
DTE Energy COM 233331107   1,824,653 15,525 SH   SOLE   0 0 15,525
Duke Energy Corp COM 26441c204   358,674 3,483 SH   SOLE   0 0 3,483
Equinor ASA COM 29446m102   403,543 11,269 SH   SOLE   0 0 11,269
Essentials Utilities Inc. COM 29670g102   1,597,428 33,468 SH   SOLE   0 0 33,468
Eversource Energy Com. COM 30040w108   287,655 3,431 SH   SOLE   0 0 3,431
National Fuel Gas Co. COM 636180101   1,296,321 20,479 SH   SOLE   0 0 20,479
National Grid PLC ADR COM 636274409   274,938 4,558 SH   SOLE   0 0 4,558
NextEra Energy COM 65339F101   1,594,754 19,076 SH   SOLE   0 0 19,076
Southern Company COM 842587107   502,841 7,042 SH   SOLE   0 0 7,042
Veolia Environment ADR COM 92334n103   229,845 8,926 SH   SOLE   0 0 8,926
Wisconsin Energy COM 92939u106   201,959 2,154 SH   SOLE   0 0 2,154
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   220,481 6,133 SH   SOLE   0 0 6,133
IShares US Real Estate ETF COM 464287739   307,378 3,651 SH   SOLE   0 0 3,651
First TR. Ex. Tr. FD N. American Energy COM 33738d101   394,585 14,784 SH   SOLE   0 0 14,784
Vanguard Small Cap Growth ETF COM 922908595   365,183 1,821 SH   SOLE   0 0 1,821
IShares Russell 2000 Index ETF COM 464287655   1,782,512 10,223 SH   SOLE   0 0 10,223
IShares S&P SmallCap 600 Index ETF COM 464287804   4,187,536 44,247 SH   SOLE   0 0 44,247
Schwab Strategic US Small-Cap ETF COM 808524607   899,444 22,203 SH   SOLE   0 0 22,203
Vanguard Index Small Cap ETF COM 922908751   4,420,010 24,082 SH   SOLE   0 0 24,082
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   1,178,779 23,737 SH   SOLE   0 0 23,737
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   1,700,977 65,297 SH   SOLE   0 0 65,297
IShares Russell 2000 Value Index ETF COM 464287630   1,062,628 7,663 SH   SOLE   0 0 7,663
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   1,391,524 15,240 SH   SOLE   0 0 15,240
Vanguard Small Cap Value ETF COM 922908611   635,200 4,000 SH   SOLE   0 0 4,000
Vanguard Mid-Cap Growth ETF COM 922908538   940,864 5,234 SH   SOLE   0 0 5,234
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,221,715 13,910 SH   SOLE   0 0 13,910
IShares Russell Midcap Index ETF COM 464287499   2,087,915 30,955 SH   SOLE   0 0 30,955
IShares S&P Midcap 400 Index ETF COM 464287507   2,650,510 10,958 SH   SOLE   0 0 10,958
SPDR S&P MidCap 400 ETF COM 78467y107   1,064,024 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   777,019 11,843 SH   SOLE   0 0 11,843
Vanguard Extended Market ETF COM 922908652   252,434 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   5,990,306 29,392 SH   SOLE   0 0 29,392
IShares Russell Midcap Value Index ETF COM 464287473   981,151 9,314 SH   SOLE   0 0 9,314
IShares S&P MidCap 400/Barra Value ETF COM 464287705   2,523,226 25,032 SH   SOLE   0 0 25,032
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   4,748,508 102,670 SH   SOLE   0 0 102,670
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   676,577 9,456 SH   SOLE   0 0 9,456
Vanguard Mid-Cap Value ETF COM 922908512   2,422,812 17,915 SH   SOLE   0 0 17,915
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   2,051,230 23,105 SH   SOLE   0 0 23,105
IShares MSCI USA Momentum Factor ETF COM 46432f396   4,514,345 30,935 SH   SOLE   0 0 30,935
IShares Russell 1000 Growth Index ETF COM 464287614   727,559 3,396 SH   SOLE   0 0 3,396
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   311,674 6,375 SH   SOLE   0 0 6,375
Schwab US Large-Cap Growth ETF COM 808524300   654,775 11,785 SH   SOLE   0 0 11,785
Vanguard Growth ETF COM 922908736   1,343,019 6,302 SH   SOLE   0 0 6,302
Vanguard Mega Cap Growth ETF COM 921910816   296,477 1,723 SH   SOLE   0 0 1,723
Vanguard Russell 1000 Growth ETF COM 92206c680   2,156,956 39,132 SH   SOLE   0 0 39,132
Vanguard S&P 500 Growth ETF COM 921932505   3,961,453 18,780 SH   SOLE   0 0 18,780
iShares Russell Top 200 Growth ETF COM 464289438   946,763 7,855 SH   SOLE   0 0 7,855
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   542,074 6,770 SH   SOLE   0 0 6,770
First Trust Capital Strength ETF COM 33733E104   3,865,846 51,579 SH   SOLE   0 0 51,579
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   5,938,445 78,004 SH   SOLE   0 0 78,004
IShares - Russell 200 Index ETF COM 464289446   488,462 5,429 SH   SOLE   0 0 5,429
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   906,894 7,958 SH   SOLE   0 0 7,958
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,389,633 60,883 SH   SOLE   0 0 60,883
IShares Russell 1000 Index Fund ETF COM 464287622   731,468 3,475 SH   SOLE   0 0 3,475
IShares Russell 3000 Index ETF COM 464287689   3,308,876 14,994 SH   SOLE   0 0 14,994
IShares S&P 500 Index ETF COM 464287200   504,117 1,312 SH   SOLE   0 0 1,312
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   2,992,417 69,688 SH   SOLE   0 0 69,688
Invesco S&P 500 GARP - ETF COM 46137V431   3,906,708 47,297 SH   SOLE   0 0 47,297
Invesco S&P 500 Low Volatility ETF COM 46138e354   5,179,223 81,052 SH   SOLE   0 0 81,052
Invesco S&P 500 Quality ETF A COM 46137v241   8,368,184 190,186 SH   SOLE   0 0 190,186
JPMorgan Equity Premium Income ETF COM 46641q332   336,183 6,170 SH   SOLE   0 0 6,170
SPDR S&P 500 ETF COM 78462F103   3,778,195 9,879 SH   SOLE   0 0 9,879
Schwab US Broad Market ETF COM 808524102   2,821,014 62,955 SH   SOLE   0 0 62,955
Schwab US Large-Cap ETF COM 808524201   759,604 16,824 SH   SOLE   0 0 16,824
Vanguard Dividend Appreciation ETF COM 921908844   12,570,143 82,780 SH   SOLE   0 0 82,780
Vanguard ESG US Stock - ETF COM 921910733   616,911 9,367 SH   SOLE   0 0 9,367
Vanguard Large Cap ETF COM 922908637   579,215 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   9,922,983 74,947 SH   SOLE   0 0 74,947
Vanguard Russell 1000 ETF COM 92206c730   6,354,042 36,463 SH   SOLE   0 0 36,463
Vanguard Russell 3000 ETF COM 92206c599   426,799 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   2,500,510 7,117 SH   SOLE   0 0 7,117
Vanguard Total Stock Market ETF COM 922908769   15,992,868 83,649 SH   SOLE   0 0 83,649
WisdomTree US Quality Dividend Gr ETF COM 97717x669   426,142 7,060 SH   SOLE   0 0 7,060
ALPS Sector Dividend Dogs ETF COM 00162q858   202,931 3,945 SH   SOLE   0 0 3,945
Dimensional US Marketwide Value - ETF COM 25434v724   457,337 13,660 SH   SOLE   0 0 13,660
First Trust Morningstar Div Leaders ETF COM 336917109   7,284,908 199,259 SH   SOLE   0 0 199,259
First Trust Rising Dividend Achievers ETF COM 33738r506   3,415,816 77,774 SH   SOLE   0 0 77,774
First Trust Value Line Dividend ETF COM 33734h106   3,791,530 95,002 SH   SOLE   0 0 95,002
FlexShares Quality Dividend ETF COM 33939l860   209,874 3,990 SH   SOLE   0 0 3,990
IShares Core US Value ETF COM 464287663   781,521 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   270,695 1,785 SH   SOLE   0 0 1,785
IShares Select Dividend ETF COM 464287168   1,725,304 14,306 SH   SOLE   0 0 14,306
Invesco S&P 500 High Div/Low Volat. ETF COM 46138e362   215,205 4,910 SH   SOLE   0 0 4,910
Invesco S&P 500 Pure Value ETF COM 46137v258   202,358 2,595 SH   SOLE   0 0 2,595
Invesco S&P 500 Revenue ETF COM 46138g698   539,762 7,300 SH   SOLE   0 0 7,300
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   3,952,691 43,924 SH   SOLE   0 0 43,924
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,231,554 3,717 SH   SOLE   0 0 3,717
SPDR S&P Dividend ETF COM 78464a763   2,029,660 16,223 SH   SOLE   0 0 16,223
SPDR S&P Value ETF COM 78464a508   3,547,351 91,215 SH   SOLE   0 0 91,215
Schwab Fundamental US Broad Market ETF COM 808524789   524,306 9,964 SH   SOLE   0 0 9,964
Schwab US Div Equity ETF COM 808524797   11,907,321 157,629 SH   SOLE   0 0 157,629
T. Rowe Price Dividend Growth ETF COM 87283q404   381,765 12,162 SH   SOLE   0 0 12,162
Vanguard High Dividend Yield ETF COM 921946406   2,211,434 20,437 SH   SOLE   0 0 20,437
Vanguard Russell 1000 Value ETF COM 92206c714   977,860 14,687 SH   SOLE   0 0 14,687
Vanguard S&P 500 Value ETF COM 921932703   352,251 2,515 SH   SOLE   0 0 2,515
Vanguard Value ETF COM 922908744   1,357,799 9,673 SH   SOLE   0 0 9,673
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   465,864 7,520 SH   SOLE   0 0 7,520
Pacer Global Cash Cows Dividend ETF COM 69374h709   384,689 12,120 SH   SOLE   0 0 12,120
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   530,817 9,171 SH   SOLE   0 0 9,171
WisdomTree International Hdgd Div Gr ETF COM 97717x594   918,363 25,775 SH   SOLE   0 0 25,775
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   2,214,563 76,948 SH   SOLE   0 0 76,948
IShares MSCI EAFE ETF COM 464287465   258,096 3,932 SH   SOLE   0 0 3,932
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,273,355 25,396 SH   SOLE   0 0 25,396
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   505,529 12,045 SH   SOLE   0 0 12,045
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   595,642 21,040 SH   SOLE   0 0 21,040
Vanguard Emerging Mkts. ETF COM 922042858   709,113 18,192 SH   SOLE   0 0 18,192
First TR Global Tactical Commodity ETF COM 33739h101   2,458,548 100,390 SH   SOLE   0 0 100,390
SPDR Gold Shares ETF COM 78463v107   711,979 4,197 SH   SOLE   0 0 4,197