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   167,996 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   385,125 7,561 SH   SOLE   0 0 7,561
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   253,200 4,845 SH   SOLE   0 0 4,845
iShares National Muni Bond ETF COM 464288414   361,468 3,355 SH   SOLE   0 0 3,355
First Trust Senior Loan Fund ETF COM 33738d309   551,348 12,187 SH   SOLE   0 0 12,187
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   574,214 27,888 SH   SOLE   0 0 27,888
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825   438,717 21,633 SH   SOLE   0 0 21,633
JPMorgan Ultra-Short Income ETF COM 46641q837   3,417,936 67,924 SH   SOLE   0 0 67,924
Vanguard Bd Index - Total Bd Market ETF COM 921937835   287,405 3,893 SH   SOLE   0 0 3,893
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   1,222,928 27,140 SH   SOLE   0 0 27,140
IShares TR Core 1-5yr Bond ETF COM 46432f859   483,575 10,255 SH   SOLE   0 0 10,255
IShares Tr. Core US Aggregate Bd ETF COM 464287226   323,033 3,242 SH   SOLE   0 0 3,242
Gerdau SA ADR COM 373737105   196,696 39,817 SH   SOLE   0 0 39,817
AB Volvo ADR COM 928854108   237,118 11,533 SH   SOLE   0 0 11,533
First Trust Water ETF COM 33733b100   266,445 3,186 SH   SOLE   0 0 3,186
Amazon.Com Inc. COM 023135106   10,767,466 104,245 SH   SOLE   0 0 104,245
AutoZone, Inc. COM 053332102   430,176 175 SH   SOLE   0 0 175
Best Buy Company, Inc. COM 086516101   1,621,762 20,720 SH   SOLE   0 0 20,720
Chipotle Mexican Grill, A COM 169656105   8,319,372 4,870 SH   SOLE   0 0 4,870
Choice Hotels Internat'l., Inc. COM 169905106   445,322 3,800 SH   SOLE   0 0 3,800
Garmin Ltd. COM h2906t109   3,106,158 30,778 SH   SOLE   0 0 30,778
Genuine Parts Co. COM 372460105   2,419,898 14,464 SH   SOLE   0 0 14,464
Grupo Aeroportuario del Pacifico ADR COM 400506101   289,153 1,482 SH   SOLE   0 0 1,482
Home Depot, Inc. COM 437076102   8,085,089 27,396 SH   SOLE   0 0 27,396
Isuzu Motors Ltd. COM 465254209   140,849 11,866 SH   SOLE   0 0 11,866
Lowe's Cos COM 548661107   2,180,073 10,902 SH   SOLE   0 0 10,902
McDonalds Corp. COM 580135101   2,419,707 8,654 SH   SOLE   0 0 8,654
Nike, Inc. COM 654106103   291,147 2,374 SH   SOLE   0 0 2,374
Starbucks Corp. COM 855244109   546,610 5,249 SH   SOLE   0 0 5,249
Target Corp. COM 87612E106   312,047 1,884 SH   SOLE   0 0 1,884
Tesla Motors Inc. COM 88160r101   1,350,980 6,512 SH   SOLE   0 0 6,512
Unilever PLC ADR COM 904767704   621,966 11,977 SH   SOLE   0 0 11,977
W D 40 Co. COM 929236107   265,116 1,489 SH   SOLE   0 0 1,489
Yum Brands, Inc. COM 988498101   310,256 2,349 SH   SOLE   0 0 2,349
Altria Group, Inc. COM 02209S103   759,254 17,016 SH   SOLE   0 0 17,016
Anheuser Busch Co. COM 03524a108   322,172 4,828 SH   SOLE   0 0 4,828
Archer Daniels Midland COM 039483102   10,883,219 136,621 SH   SOLE   0 0 136,621
Cal-Maine Foods, Inc. COM 128030202   1,602,270 26,314 SH   SOLE   0 0 26,314
Coca Cola COM 191216100   3,299,562 53,193 SH   SOLE   0 0 53,193
Coca Cola European Partners PLC COM g25839104   376,863 6,367 SH   SOLE   0 0 6,367
Colgate Palmolive Co. COM 194162103   548,370 7,297 SH   SOLE   0 0 7,297
Constellation Brands, Inc. COM 21036p108   483,405 2,140 SH   SOLE   0 0 2,140
Costco Wholesale Corp. COM 22160K105   10,294,650 20,719 SH   SOLE   0 0 20,719
Diageo PLC ADR COM 25243Q205   351,308 1,939 SH   SOLE   0 0 1,939
Estee Lauder Co. COM 518439104   582,385 2,363 SH   SOLE   0 0 2,363
General Mills COM 370334104   2,206,612 25,820 SH   SOLE   0 0 25,820
Hormel Foods Corp. COM 440452100   217,346 5,450 SH   SOLE   0 0 5,450
Kimberly Clark Corp COM 494368103   296,781 2,211 SH   SOLE   0 0 2,211
Kraft Heinz Co. COM 500754106   1,204,035 31,136 SH   SOLE   0 0 31,136
Lamb Weston Hldgs. COM 513272104   606,930 5,807 SH   SOLE   0 0 5,807
Mondelez International, Inc. COM 609207105   853,024 12,235 SH   SOLE   0 0 12,235
Monster Beverage Corp. COM 61174x109   1,519,841 28,140 SH   SOLE   0 0 28,140
Mowi ASA ADR COM 624678108   248,532 13,456 SH   SOLE   0 0 13,456
Nestle SA ADR COM 641069406   261,512 2,149 SH   SOLE   0 0 2,149
PepsiCo Inc COM 713448108   3,357,365 18,417 SH   SOLE   0 0 18,417
Philip Morris Internat'l. COM 718172109   1,471,856 15,135 SH   SOLE   0 0 15,135
Procter and Gamble COM 742718109   2,181,297 14,670 SH   SOLE   0 0 14,670
Wal-Mart Stores COM 931142103   2,851,536 19,339 SH   SOLE   0 0 19,339
Walgreen Boots Alliance Inc. COM 931427108   359,148 10,386 SH   SOLE   0 0 10,386
BP Amoco PLC ADR COM 055622104   870,268 22,938 SH   SOLE   0 0 22,938
Cheniere Energy, Inc COM 16411r208   6,009,446 38,131 SH   SOLE   0 0 38,131
Chevron Corp. COM 166764100   949,101 5,817 SH   SOLE   0 0 5,817
Civitas Resources, Inc. COM 17888h103   1,571,342 22,993 SH   SOLE   0 0 22,993
ConocoPhillips COM 20825C104   600,915 6,057 SH   SOLE   0 0 6,057
Devon Energy Corp. COM 25179M103   3,810,073 75,283 SH   SOLE   0 0 75,283
Enbridge Inc. COM 29250n105   2,610,374 68,550 SH   SOLE   0 0 68,550
Energy Select Sector SPDR ETF COM 81369y506   1,010,195 12,196 SH   SOLE   0 0 12,196
Exxon Mobil Corp. COM 30231G102   1,520,546 13,866 SH   SOLE   0 0 13,866
Marathon Petroleum Corp. COM 56585a102   590,960 4,383 SH   SOLE   0 0 4,383
Murphy Oil Corp. COM 626717102   2,191,874 59,272 SH   SOLE   0 0 59,272
Shell PLC ADR COM 780259305   418,201 7,268 SH   SOLE   0 0 7,268
Total Energies SE COM 89151e109   218,485 3,700 SH   SOLE   0 0 3,700
Williams Companies COM 969457100   2,149,006 71,969 SH   SOLE   0 0 71,969
AFLAC, Inc. COM 001055102   935,234 14,495 SH   SOLE   0 0 14,495
AGNC Investment Corp COM 00123q104   1,600,069 158,737 SH   SOLE   0 0 158,737
Allstate Corp. COM 020002101   699,654 6,314 SH   SOLE   0 0 6,314
American Express COM 025816109   239,178 1,450 SH   SOLE   0 0 1,450
Bank of America COM 060505104   253,539 8,865 SH   SOLE   0 0 8,865
Bank of Montreal COM 063671101   279,271 3,134 SH   SOLE   0 0 3,134
Barings BDC, Inc. COM 06759l103   110,160 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   465,600 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   4,193,097 13,580 SH   SOLE   0 0 13,580
Blackstone Group Inc. Cl. A COM 09260d107   8,837,644 100,611 SH   SOLE   0 0 100,611
Canadian Imperial Bank of Commerce COM 136069101   214,263 5,051 SH   SOLE   0 0 5,051
Charles Schwab Corp. COM 808513105   478,454 9,134 SH   SOLE   0 0 9,134
Citigroup COM 172967424   1,603,497 34,197 SH   SOLE   0 0 34,197
Citizens Financial Group COM 174610105   1,900,673 62,584 SH   SOLE   0 0 62,584
Columbia Banking System, Inc. COM 197236102   1,125,535 52,546 SH   SOLE   0 0 52,546
Discover Financial Services, Inc. COM 254709108   250,658 2,536 SH   SOLE   0 0 2,536
Fifth Third Bancorp COM 316773100   904,135 33,939 SH   SOLE   0 0 33,939
First Busey Corp. COM 319383204   1,326,439 65,213 SH   SOLE   0 0 65,213
Gallagher, Arthur J & Co. COM 363576109   260,182 1,360 SH   SOLE   0 0 1,360
Intercontinental Exchange Group COM 45866f104   6,804,610 65,247 SH   SOLE   0 0 65,247
J.P. Morgan Chase & Co. COM 46625H100   1,253,582 9,620 SH   SOLE   0 0 9,620
MasterCard, Inc. COM 57636q104   8,905,725 24,506 SH   SOLE   0 0 24,506
Mitsubishi UFJ Fin'l. Grp. ADR COM 606816104   560 10,183 SH   SOLE   0 0 10,183
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   121,985 19,090 SH   SOLE   0 0 19,090
Moody's Corp. COM 615369105   709,966 2,320 SH   SOLE   0 0 2,320
Morgan Stanley COM 617446448   254,005 2,893 SH   SOLE   0 0 2,893
Old Republic Nat'l. Corp. COM 680223104   2,324,484 93,091 SH   SOLE   0 0 93,091
Ping An Insurance Company of China ADR COM 72341e304   206,040 15,935 SH   SOLE   0 0 15,935
Regions Financial Corp. COM 7591ep100   2,351,849 126,716 SH   SOLE   0 0 126,716
S&P Global, Inc. COM 78409v104   3,705,933 10,749 SH   SOLE   0 0 10,749
State Street Corp. COM 857477103   491,985 6,500 SH   SOLE   0 0 6,500
Sun Life Financial, Inc. COM 866796105   278,192 5,957 SH   SOLE   0 0 5,957
Swiss Re Ltd. COM 870886108   256,338 9,982 SH   SOLE   0 0 9,982
Travelers Companies Inc. COM 89417E109   478,234 2,790 SH   SOLE   0 0 2,790
UBS Group AG COM h42097107   207,681 9,732 SH   SOLE   0 0 9,732
Valley National Bancorp COM 919794107   1,827,893 197,824 SH   SOLE   0 0 197,824
Visa Inc. COM 92826c839   977,369 4,335 SH   SOLE   0 0 4,335
AbbVie, Inc. COM 00287y109   3,139,524 19,700 SH   SOLE   0 0 19,700
Abbott Laboratories COM 002824100   1,623,097 16,029 SH   SOLE   0 0 16,029
Amgen, Inc. COM 031162100   369,636 1,529 SH   SOLE   0 0 1,529
AstraZeneca PLC ADR COM 046353108   1,468,091 21,151 SH   SOLE   0 0 21,151
Becton Dickinson & Co. COM 075887109   685,191 2,768 SH   SOLE   0 0 2,768
Bristol-Myers Squibb COM 110122108   696,496 10,049 SH   SOLE   0 0 10,049
CIGNA Corp. COM 125523100   1,335,655 5,227 SH   SOLE   0 0 5,227
CVS Health Corp. COM 126650100   8,509,293 114,511 SH   SOLE   0 0 114,511
Cardinal Health COM 14149y108   1,972,847 26,130 SH   SOLE   0 0 26,130
Danaher Corp. COM 235851102   573,391 2,275 SH   SOLE   0 0 2,275
Edwards Lifesciences Corp. COM 28176E108   216,422 2,616 SH   SOLE   0 0 2,616
Elevance Health COM 036752103   1,018,958 2,216 SH   SOLE   0 0 2,216
First Trust NYSE Arca Biotech ETF COM 33733e203   371,293 2,395 SH   SOLE   0 0 2,395
Gilead Sciences Inc. COM 375558103   8,708,470 104,959 SH   SOLE   0 0 104,959
GlaxoSmithKline PLC COM 37733w204   328,012 9,219 SH   SOLE   0 0 9,219
HCA Healthcare Co. COM 40412c101   9,172,900 34,788 SH   SOLE   0 0 34,788
Health Care Select Sector SPDR ETF COM 81369y209   365,207 2,821 SH   SOLE   0 0 2,821
Hologic, Inc. COM 436440101   468,060 5,800 SH   SOLE   0 0 5,800
IShares US Healthcare ETF COM 464287762   649,337 2,378 SH   SOLE   0 0 2,378
Johnson & Johnson COM 478160104   2,314,770 14,934 SH   SOLE   0 0 14,934
Lilly (Eli) COM 532457108   1,174,449 3,420 SH   SOLE   0 0 3,420
Medifast, Inc. COM 58470h101   742,549 7,163 SH   SOLE   0 0 7,163
Merck & Co Inc. COM 58933y105   4,924,288 46,285 SH   SOLE   0 0 46,285
Microport Scientific Corp. COM g60837104   1,170,834 504,670 SH   SOLE   0 0 504,670
Moderna Inc. COM 60770k107   264,926 1,725 SH   SOLE   0 0 1,725
Novartis AG ADR COM 66987v109   253,276 2,753 SH   SOLE   0 0 2,753
Novo Nordisk A.S. ADR COM 670100205   819,889 5,152 SH   SOLE   0 0 5,152
Pfizer, Inc. COM 717081103   1,772,959 43,455 SH   SOLE   0 0 43,455
Quest Diagnostics COM 74834L100   1,878,733 13,279 SH   SOLE   0 0 13,279
Regeneron Pharmaceuticals COM 75886f107   7,564,294 9,206 SH   SOLE   0 0 9,206
Sanofi-Aventis ADR COM 80105n105   221,925 4,078 SH   SOLE   0 0 4,078
Stryker Corporation COM 863667101   276,049 967 SH   SOLE   0 0 967
Takeda Pharmaceutical Co. COM 874060205   212,114 12,871 SH   SOLE   0 0 12,871
Thermo Fisher Scientific, Inc. COM 883556102   10,243,248 17,772 SH   SOLE   0 0 17,772
UnitedHealth Group COM 91324p102   6,939,039 14,683 SH   SOLE   0 0 14,683
Vanguard World Health Care ETF COM 92204a504   2,414,646 10,126 SH   SOLE   0 0 10,126
Vertex Pharmaceutical COM 92532F100   293,645 932 SH   SOLE   0 0 932
3M Company COM 88579y101   389,433 3,705 SH   SOLE   0 0 3,705
ABB Ltd. Sponsored ADR COM 000375204   259,137 7,555 SH   SOLE   0 0 7,555
Boeing Company COM 097023105   256,191 1,206 SH   SOLE   0 0 1,206
CSX Corp. COM 126408103   224,819 7,509 SH   SOLE   0 0 7,509
Caterpillar Inc. COM 149123101   1,429,766 6,248 SH   SOLE   0 0 6,248
Cummins Engine Inc. COM 231021106   902,489 3,778 SH   SOLE   0 0 3,778
Deere & Co. COM 244199105   7,452,071 18,049 SH   SOLE   0 0 18,049
Eaton Corp., PLC COM g29183103   1,029,411 6,008 SH   SOLE   0 0 6,008
Emerson Electric Co. COM 291011104   337,538 3,874 SH   SOLE   0 0 3,874
Frontline, LTD. COM M46528101   177,192 10,700 SH   SOLE   0 0 10,700
H&E Equipment Services, Inc. COM 404030108   1,702,550 38,493 SH   SOLE   0 0 38,493
Illinois Tool Works COM 452308109   973,945 4,001 SH   SOLE   0 0 4,001
Industrial Select Sector SPDR ETF COM 81369y704   381,550 3,771 SH   SOLE   0 0 3,771
Jacobs Solutions, Inc. COM 46982l108   2,478,286 21,090 SH   SOLE   0 0 21,090
Knight-Swift Transportation Holdings, Inc. COM 499049104   224,623 3,970 SH   SOLE   0 0 3,970
Lockheed Martin Corp. COM 539830109   428,766 907 SH   SOLE   0 0 907
Masco Corp. COM 574599106   325,069 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   322,876 1,523 SH   SOLE   0 0 1,523
Northrop Grumman COM 666807102   279,341 605 SH   SOLE   0 0 605
Oshkosh Corp. COM 688239201   207,950 2,500 SH   SOLE   0 0 2,500
Owens Corning COM 690742101   5,054,121 52,757 SH   SOLE   0 0 52,757
Quanta Services, Inc. COM 74762e102   3,336,966 20,025 SH   SOLE   0 0 20,025
RPM Inc. Ohio COM 749685103   2,860,458 32,788 SH   SOLE   0 0 32,788
Raytheon Technologies Corp. COM 75513e101   461,250 4,710 SH   SOLE   0 0 4,710
Saia, Inc. COM 78709Y105   3,235,031 11,890 SH   SOLE   0 0 11,890
Snap-on Incorporated COM 833034101   2,250,234 9,114 SH   SOLE   0 0 9,114
Timken Co. COM 887389104   2,473,611 30,269 SH   SOLE   0 0 30,269
Union Pacific Corp. COM 907818108   1,706,685 8,480 SH   SOLE   0 0 8,480
United Parcel Service, Inc. COM 911312106   442,297 2,280 SH   SOLE   0 0 2,280
United Rentals, Inc. COM 911363109   8,326,790 21,040 SH   SOLE   0 0 21,040
Waste Management, Inc. COM 94106L109   505,501 3,098 SH   SOLE   0 0 3,098
WillScot Mobile Mini Hldgs Corp, Cl. A COM 971378104   1,493,831 31,865 SH   SOLE   0 0 31,865
American Tower Corp. COM 03027x100   3,547,342 17,360 SH   SOLE   0 0 17,360
Apartment Income REIT Corp. COM 03750l109   988,213 27,596 SH   SOLE   0 0 27,596
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747   212,213 27,596 SH   SOLE   0 0 27,596
Digital Realty Trust Inc. COM 253868103   2,125,207 21,617 SH   SOLE   0 0 21,617
Essex Property Trust COM 297178105   1,342,673 6,420 SH   SOLE   0 0 6,420
Farmland Partners, Inc. COM 31154r109   338,120 31,600 SH   SOLE   0 0 31,600
IShares Cohen & Steers REIT ETF COM 464287564   272,812 4,912 SH   SOLE   0 0 4,912
IShares Residential Real Estate Capped ETF COM 464288562   458,112 6,487 SH   SOLE   0 0 6,487
Realty Income Corp. COM 756109104   1,953,618 30,853 SH   SOLE   0 0 30,853
Vanguard REIT ETF COM 922908553   537,809 6,477 SH   SOLE   0 0 6,477
W. P. Carey Inc. COM 92936u109   4,410,513 56,947 SH   SOLE   0 0 56,947
Accenture, Ltd. COM g1151c101   212,071 742 SH   SOLE   0 0 742
Adobe Systems, Inc. COM 00724F101   363,789 944 SH   SOLE   0 0 944
Advanced Micro Devices COM 007903107   743,798 7,589 SH   SOLE   0 0 7,589
Analog Devices Inc. COM 032654105   266,247 1,350 SH   SOLE   0 0 1,350
Apple Inc. COM 037833100   28,402,064 172,238 SH   SOLE   0 0 172,238
Applied Materials COM 038222105   395,144 3,217 SH   SOLE   0 0 3,217
Autodesk COM 052769106   201,915 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103   1,249,845 5,614 SH   SOLE   0 0 5,614
Avnet Inc. COM 053807103   2,426,450 53,683 SH   SOLE   0 0 53,683
Broadcom Inc. COM 11135f101   11,586,854 18,061 SH   SOLE   0 0 18,061
Cisco Systems COM 17275r102   1,088,784 20,828 SH   SOLE   0 0 20,828
Debt Resolve Inc. COM 24276r206   100 100,000 SH   SOLE   0 0 100,000
First Solar, Inc. COM 336433107   706,440 3,248 SH   SOLE   0 0 3,248
Fiserv, Inc. COM 337738108   7,459,528 65,996 SH   SOLE   0 0 65,996
Global Payments Inc. COM 37940x102   3,588,158 34,095 SH   SOLE   0 0 34,095
Hewlett Packard Enterprise Co. COM 42824c109   2,417,410 151,752 SH   SOLE   0 0 151,752
Honeywell Internat'l. COM 438516106   450,470 2,357 SH   SOLE   0 0 2,357
I.B.M. COM 459200101   1,082,279 8,256 SH   SOLE   0 0 8,256
Infosys Technologies, Ltd. COM 456788108   318,454 18,260 SH   SOLE   0 0 18,260
Intel Corp. COM 458140100   518,877 15,882 SH   SOLE   0 0 15,882
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   2,801,000 8,728 SH   SOLE   0 0 8,728
Jabil Circuit, Inc. COM 466313103   2,683,590 30,440 SH   SOLE   0 0 30,440
L3Harris Technologies COM 502431109   269,830 1,375 SH   SOLE   0 0 1,375
LAM Research Corp. COM 512807108   8,824,378 16,646 SH   SOLE   0 0 16,646
Leidos Holdings, Inc. COM 525327102   700,646 7,611 SH   SOLE   0 0 7,611
Logitech Internat'l. SA COM H50430232   324,207 5,584 SH   SOLE   0 0 5,584
MercadoLibre Inc. COM 58733r102   266,248 202 SH   SOLE   0 0 202
Microchip Technology, Inc. COM 595017104   9,778,662 116,718 SH   SOLE   0 0 116,718
Micron Technology, Inc. COM 595112103   2,247,303 37,244 SH   SOLE   0 0 37,244
Microsoft Corporation COM 594918104   15,480,532 53,696 SH   SOLE   0 0 53,696
Motorola Solutions, Inc. COM 620076307   216,028 755 SH   SOLE   0 0 755
Nvidia Corp. COM 67066g104   14,991,076 53,969 SH   SOLE   0 0 53,969
Oracle Corp COM 68389X105   994,894 10,707 SH   SOLE   0 0 10,707
Palo Alto Networks, Inc. COM 697435105   227,304 1,138 SH   SOLE   0 0 1,138
PayChex Inc. COM 704326107   2,975,532 25,967 SH   SOLE   0 0 25,967
Qualcomm Inc. COM 747525103   1,496,513 11,730 SH   SOLE   0 0 11,730
Salesforce.com COM 79466l302   2,880,028 14,416 SH   SOLE   0 0 14,416
Seagate Technology Holdings PLC COM g7997r103   213,435 3,228 SH   SOLE   0 0 3,228
Siemens AG ADR COM 826197501   295,387 3,649 SH   SOLE   0 0 3,649
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   928,898 9,986 SH   SOLE   0 0 9,986
Technology Select Sector SPDR ETF COM 81369y803   405,462 2,685 SH   SOLE   0 0 2,685
Vanguard Information Technology ETF COM 92204a702   2,028,729 5,263 SH   SOLE   0 0 5,263
Air Products & Chem COM 009158106   366,767 1,277 SH   SOLE   0 0 1,277
Albemarle Corp. COM 012653101   224,074 1,014 SH   SOLE   0 0 1,014
Amyris, Inc. COM 03236m200   14,212 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108   289,911 4,572 SH   SOLE   0 0 4,572
Ball Corp. COM 058498106   230,580 4,184 SH   SOLE   0 0 4,184
Dow Inc. COM 260557103   313,022 5,710 SH   SOLE   0 0 5,710
International Paper COM 460146103   1,596,304 44,268 SH   SOLE   0 0 44,268
Linde PLC COM g54950103   341,508 970 SH   SOLE   0 0 970
Materials Select Sector SPDR ETF COM 81369y100   429,998 5,331 SH   SOLE   0 0 5,331
Mosaic Co. COM 61945c103   1,849,432 40,310 SH   SOLE   0 0 40,310
Nucor Corp. COM 670346105   3,133,456 20,285 SH   SOLE   0 0 20,285
Rio Tinto PLC ADR F COM 767204100   466,274 6,797 SH   SOLE   0 0 6,797
Sherwin Williams Company COM 824348106   4,405,492 19,600 SH   SOLE   0 0 19,600
WestRock Company COM 96145d105   3,652,896 119,885 SH   SOLE   0 0 119,885
AT&T Inc. COM 00206R102   632,564 32,860 SH   SOLE   0 0 32,860
Alphabet Inc., Cl. A COM 02079k305   11,231,988 108,281 SH   SOLE   0 0 108,281
Alphabet Inc., Cl. C COM 02079k107   1,578,203 15,175 SH   SOLE   0 0 15,175
Meta Platforms, Inc. COM 30303m102   1,664,789 7,855 SH   SOLE   0 0 7,855
Omnicom Group COM 681919106   2,354,607 24,959 SH   SOLE   0 0 24,959
Verizon Communications COM 92343V104   638,768 16,425 SH   SOLE   0 0 16,425
Vodafone Group PLC ADR COM 92857w308   158,568 14,363 SH   SOLE   0 0 14,363
Walt Disney Co COM 254687106   4,846,192 48,399 SH   SOLE   0 0 48,399
Allete, Inc. COM 018522300   1,522,150 23,647 SH   SOLE   0 0 23,647
Ameren Corp. COM 023608102   276,134 3,196 SH   SOLE   0 0 3,196
American Electric Power COM 025537101   357,218 3,926 SH   SOLE   0 0 3,926
American States Water Co. COM 029899101   2,151,551 24,205 SH   SOLE   0 0 24,205
Black Hills Corp. COM 092113109   1,148,357 18,199 SH   SOLE   0 0 18,199
DTE Energy COM 233331107   351,225 3,206 SH   SOLE   0 0 3,206
Duke Energy Corp COM 26441c204   335,968 3,483 SH   SOLE   0 0 3,483
Equinor ASA COM 29446m102   315,829 11,109 SH   SOLE   0 0 11,109
Essentials Utilities Inc. COM 29670g102   259,392 5,943 SH   SOLE   0 0 5,943
Eversource Energy Com. COM 30040w108   268,510 3,431 SH   SOLE   0 0 3,431
National Fuel Gas Co. COM 636180101   1,869,367 32,376 SH   SOLE   0 0 32,376
National Grid PLC ADR COM 636274409   309,898 4,558 SH   SOLE   0 0 4,558
New Jersey Resources Corp. COM 646025106   1,705,645 32,061 SH   SOLE   0 0 32,061
NextEra Energy COM 65339F101   1,437,002 18,643 SH   SOLE   0 0 18,643
Southern Company COM 842587107   490,984 7,056 SH   SOLE   0 0 7,056
Veolia Environment ADR COM 92334n103   275,278 8,926 SH   SOLE   0 0 8,926
Wisconsin Energy COM 92939u106   204,178 2,154 SH   SOLE   0 0 2,154
IShares US Real Estate ETF COM 464287739   309,970 3,651 SH   SOLE   0 0 3,651
First TR. Ex. Tr. FD N. American Energy COM 33738d101   388,505 14,589 SH   SOLE   0 0 14,589
Vanguard Small Cap Growth ETF COM 922908595   361,621 1,671 SH   SOLE   0 0 1,671
IShares Russell 2000 Index ETF COM 464287655   1,948,337 10,921 SH   SOLE   0 0 10,921
IShares S&P SmallCap 600 Index ETF COM 464287804   4,522,079 46,764 SH   SOLE   0 0 46,764
Schwab Strategic US Small-Cap ETF COM 808524607   930,972 22,203 SH   SOLE   0 0 22,203
Vanguard Index Small Cap ETF COM 922908751   4,645,168 24,505 SH   SOLE   0 0 24,505
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   1,449,684 28,281 SH   SOLE   0 0 28,281
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   1,753,061 65,779 SH   SOLE   0 0 65,779
IShares Russell 2000 Value Index ETF COM 464287630   1,067,797 7,793 SH   SOLE   0 0 7,793
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   1,379,629 14,741 SH   SOLE   0 0 14,741
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   330,856 8,693 SH   SOLE   0 0 8,693
Vanguard Small Cap Value ETF COM 922908611   635,040 4,000 SH   SOLE   0 0 4,000
Vanguard Mid-Cap Growth ETF COM 922908538   990,821 5,084 SH   SOLE   0 0 5,084
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,338,875 14,883 SH   SOLE   0 0 14,883
IShares Russell Midcap Index ETF COM 464287499   2,140,601 30,615 SH   SOLE   0 0 30,615
IShares S&P Midcap 400 Index ETF COM 464287507   2,743,129 10,966 SH   SOLE   0 0 10,966
SPDR S&P MidCap 400 ETF COM 78467y107   1,101,559 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   803,548 11,843 SH   SOLE   0 0 11,843
Vanguard Extended Market ETF COM 922908652   266,380 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   6,009,915 28,494 SH   SOLE   0 0 28,494
IShares Russell Midcap Value Index ETF COM 464287473   774,831 7,296 SH   SOLE   0 0 7,296
IShares S&P MidCap 400/Barra Value ETF COM 464287705   2,162,945 21,046 SH   SOLE   0 0 21,046
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   5,265,160 112,144 SH   SOLE   0 0 112,144
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   688,256 9,728 SH   SOLE   0 0 9,728
Vanguard Mid-Cap Value ETF COM 922908512   2,401,986 17,916 SH   SOLE   0 0 17,916
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   2,328,703 23,137 SH   SOLE   0 0 23,137
IShares MSCI USA Momentum Factor ETF COM 46432f396   4,452,339 32,022 SH   SOLE   0 0 32,022
IShares Russell 1000 Growth Index ETF COM 464287614   807,266 3,304 SH   SOLE   0 0 3,304
IShares S&P 500 Barra Growth Index ETF COM 464287309   211,668 3,313 SH   SOLE   0 0 3,313
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   355,343 6,375 SH   SOLE   0 0 6,375
Schwab US Large-Cap Growth ETF COM 808524300   768,028 11,785 SH   SOLE   0 0 11,785
Vanguard Growth ETF COM 922908736   1,726,374 6,921 SH   SOLE   0 0 6,921
Vanguard Mega Cap Growth ETF COM 921910816   352,371 1,723 SH   SOLE   0 0 1,723
Vanguard Russell 1000 Growth ETF COM 92206c680   2,443,843 38,859 SH   SOLE   0 0 38,859
Vanguard S&P 500 Growth ETF COM 921932505   4,323,344 18,758 SH   SOLE   0 0 18,758
iShares Russell Top 200 Growth ETF COM 464289438   1,123,527 8,087 SH   SOLE   0 0 8,087
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   544,985 6,770 SH   SOLE   0 0 6,770
First Trust Capital Strength ETF COM 33733E104   3,612,718 49,530 SH   SOLE   0 0 49,530
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   6,514,331 80,206 SH   SOLE   0 0 80,206
IShares - Russell 200 Index ETF COM 464289446   528,312 5,429 SH   SOLE   0 0 5,429
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,049,962 8,463 SH   SOLE   0 0 8,463
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,517,822 62,109 SH   SOLE   0 0 62,109
IShares Russell 1000 Index Fund ETF COM 464287622   924,427 4,104 SH   SOLE   0 0 4,104
IShares Russell 3000 Index ETF COM 464287689   3,427,334 14,559 SH   SOLE   0 0 14,559
IShares S&P 500 Index ETF COM 464287200   555,622 1,352 SH   SOLE   0 0 1,352
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   3,428,895 73,756 SH   SOLE   0 0 73,756
Invesco S&P 500 GARP - ETF COM 46137V431   4,207,340 49,324 SH   SOLE   0 0 49,324
Invesco S&P 500 Low Volatility ETF COM 46138e354   5,017,022 80,401 SH   SOLE   0 0 80,401
Invesco S&P 500 Quality ETF A COM 46137v241   9,606,575 203,013 SH   SOLE   0 0 203,013
JPMorgan Equity Premium Income ETF COM 46641q332   285,344 5,226 SH   SOLE   0 0 5,226
SPDR S&P 500 ETF COM 78462F103   3,903,597 9,535 SH   SOLE   0 0 9,535
Schwab US Broad Market ETF COM 808524102   3,006,176 62,825 SH   SOLE   0 0 62,825
Schwab US Large-Cap ETF COM 808524201   813,777 16,824 SH   SOLE   0 0 16,824
Vanguard Dividend Appreciation ETF COM 921908844   13,381,627 86,888 SH   SOLE   0 0 86,888
Vanguard ESG US Stock - ETF COM 921910733   671,708 9,367 SH   SOLE   0 0 9,367
Vanguard Large Cap ETF COM 922908637   621,143 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   10,916,858 76,267 SH   SOLE   0 0 76,267
Vanguard Russell 1000 ETF COM 92206c730   6,782,598 36,401 SH   SOLE   0 0 36,401
Vanguard Russell 3000 ETF COM 92206c599   455,501 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   2,669,378 7,098 SH   SOLE   0 0 7,098
Vanguard Total Stock Market ETF COM 922908769   16,977,052 83,180 SH   SOLE   0 0 83,180
WisdomTree US Quality Dividend Gr ETF COM 97717x669   832,239 13,350 SH   SOLE   0 0 13,350
ALPS Sector Dividend Dogs ETF COM 00162q858   201,984 3,945 SH   SOLE   0 0 3,945
Dimensional US Marketwide Value - ETF COM 25434v724   455,897 13,617 SH   SOLE   0 0 13,617
First Trust Morningstar Div Leaders ETF COM 336917109   6,993,994 197,014 SH   SOLE   0 0 197,014
First Trust Rising Dividend Achievers ETF COM 33738r506   3,506,399 78,146 SH   SOLE   0 0 78,146
First Trust Value Line Dividend ETF COM 33734h106   3,773,313 93,957 SH   SOLE   0 0 93,957
FlexShares Quality Dividend ETF COM 33939l860   428,600 7,870 SH   SOLE   0 0 7,870
IShares Core US Value ETF COM 464287663   816,376 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   290,817 1,910 SH   SOLE   0 0 1,910
IShares Select Dividend ETF COM 464287168   1,676,377 14,306 SH   SOLE   0 0 14,306
Invesco S&P 500 High Div/Low Volat. ETF COM 46138e362   207,251 4,910 SH   SOLE   0 0 4,910
Invesco S&P 500 Revenue ETF COM 46138g698   555,530 7,300 SH   SOLE   0 0 7,300
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   4,692,282 51,428 SH   SOLE   0 0 51,428
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,215,393 3,654 SH   SOLE   0 0 3,654
SPDR S&P Dividend ETF COM 78464a763   1,982,205 16,023 SH   SOLE   0 0 16,023
SPDR S&P Value ETF COM 78464a508   3,916,572 96,183 SH   SOLE   0 0 96,183
Schwab Fundamental US Broad Market ETF COM 808524789   519,227 9,594 SH   SOLE   0 0 9,594
Schwab US Div Equity ETF COM 808524797   12,334,638 168,598 SH   SOLE   0 0 168,598
T. Rowe Price Dividend Growth ETF COM 87283q404   512,445 16,037 SH   SOLE   0 0 16,037
Vanguard High Dividend Yield ETF COM 921946406   2,185,169 20,713 SH   SOLE   0 0 20,713
Vanguard Russell 1000 Value ETF COM 92206c714   995,937 14,907 SH   SOLE   0 0 14,907
Vanguard S&P 500 Value ETF COM 921932703   368,951 2,515 SH   SOLE   0 0 2,515
Vanguard Value ETF COM 922908744   1,276,551 9,243 SH   SOLE   0 0 9,243
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   465,187 7,520 SH   SOLE   0 0 7,520
Pacer Global Cash Cows Dividend ETF COM 69374h709   726,576 21,605 SH   SOLE   0 0 21,605
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   581,153 9,381 SH   SOLE   0 0 9,381
WisdomTree International Hdgd Div Gr ETF COM 97717x594   1,016,051 25,775 SH   SOLE   0 0 25,775
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   2,686,694 87,202 SH   SOLE   0 0 87,202
IShares - MSCI ACWI ex US ETF COM 464288240   215,173 4,412 SH   SOLE   0 0 4,412
IShares MSCI EAFE ETF COM 464287465   281,217 3,932 SH   SOLE   0 0 3,932
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,349,636 25,241 SH   SOLE   0 0 25,241
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   544,073 12,045 SH   SOLE   0 0 12,045
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   617,728 20,750 SH   SOLE   0 0 20,750
SPDR S&P Emerging Markets ETF COM 78463x509   373,143 10,933 SH   SOLE   0 0 10,933
Vanguard Emerging Mkts. ETF COM 922042858   726,865 17,992 SH   SOLE   0 0 17,992
First TR Global Tactical Commodity ETF COM 33739h101   2,437,340 103,761 SH   SOLE   0 0 103,761
SPDR Gold Shares ETF COM 78463v107   770,074 4,203 SH   SOLE   0 0 4,203
Ares RE Income Trust Class E COM 09186L100   176,298 20,264 SH   SOLE   0 0 20,264