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
Fidelity Merrimack Str Total Bond Fund ETF COM 316188309   2,790,945 60,620 SH   SOLE   0 0 60,620
Eaton Vance Municipal Income TR COM 27826u108   162,855 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   322,696 6,246 SH   SOLE   0 0 6,246
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   203,016 3,845 SH   SOLE   0 0 3,845
iShares National Muni Bond ETF COM 464288414   408,164 3,765 SH   SOLE   0 0 3,765
First Trust Senior Loan Fund ETF COM 33738d309   568,514 12,340 SH   SOLE   0 0 12,340
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   372,233 17,823 SH   SOLE   0 0 17,823
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825   266,488 13,028 SH   SOLE   0 0 13,028
JPMorgan Ultra-Short Income ETF COM 46641q837   2,296,616 45,722 SH   SOLE   0 0 45,722
Vanguard Bd Index - Total Bd Market ETF COM 921937835   264,780 3,600 SH   SOLE   0 0 3,600
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   1,018,109 22,825 SH   SOLE   0 0 22,825
First Trust Water ETF COM 33733b100   1,326,984 13,998 SH   SOLE   0 0 13,998
Amazon.com, Inc. COM 023135106   15,144,316 99,673 SH   SOLE   0 0 99,673
AutoZone, Inc. COM 053332102   504,194 195 SH   SOLE   0 0 195
Best Buy Company, Inc. COM 086516101   1,665,564 21,277 SH   SOLE   0 0 21,277
Booking Holdings, Inc. COM 09857l108   315,703 89 SH   SOLE   0 0 89
Chipotle Mexican Grill, A COM 169656105   11,290,722 4,937 SH   SOLE   0 0 4,937
Dicks Sporting Goods COM 253393102   1,766,339 12,020 SH   SOLE   0 0 12,020
Expedia Group Inc. COM 30212p303   1,111,406 7,322 SH   SOLE   0 0 7,322
Garmin Ltd. COM h2906t109   3,865,198 30,070 SH   SOLE   0 0 30,070
Genuine Parts Co. COM 372460105   1,929,721 13,933 SH   SOLE   0 0 13,933
Grupo Aeroportuario del Pacifico ADR COM 400506101   235,145 1,342 SH   SOLE   0 0 1,342
Hilton Worldwide Holdings, Inc. COM 43300a203   2,210,573 12,140 SH   SOLE   0 0 12,140
Home Depot, Inc. COM 437076102   9,276,172 26,767 SH   SOLE   0 0 26,767
Isuzu Motors Ltd. COM 465254209   149,756 12,126 SH   SOLE   0 0 12,126
Lear Corp. COM 521865204   493,529 3,495 SH   SOLE   0 0 3,495
Lowe's Cos COM 548661107   1,514,453 6,805 SH   SOLE   0 0 6,805
McDonalds Corp. COM 580135101   2,704,724 9,122 SH   SOLE   0 0 9,122
Nike, Inc. COM 654106103   252,317 2,324 SH   SOLE   0 0 2,324
Ross Stores Inc. COM 778296103   221,424 1,600 SH   SOLE   0 0 1,600
Royal Caribbean Cruises, Ltd. COM V7780T103   310,776 2,400 SH   SOLE   0 0 2,400
Starbucks Corp. COM 855244109   422,099 4,396 SH   SOLE   0 0 4,396
Tesla Motors Inc. COM 88160r101   1,069,955 4,306 SH   SOLE   0 0 4,306
Unilever PLC ADR COM 904767704   537,110 11,079 SH   SOLE   0 0 11,079
W D 40 Co. COM 929236107   332,068 1,389 SH   SOLE   0 0 1,389
Yum Brands, Inc. COM 988498101   324,776 2,486 SH   SOLE   0 0 2,486
Altria Group, Inc. COM 02209S103   683,561 16,945 SH   SOLE   0 0 16,945
Archer Daniels Midland COM 039483102   9,563,725 132,425 SH   SOLE   0 0 132,425
Cal-Maine Foods, Inc. COM 128030202   1,292,078 22,514 SH   SOLE   0 0 22,514
Coca Cola COM 191216100   3,118,045 52,911 SH   SOLE   0 0 52,911
Coca Cola European Partners PLC COM g25839104   376,881 5,647 SH   SOLE   0 0 5,647
Colgate Palmolive Co. COM 194162103   436,572 5,477 SH   SOLE   0 0 5,477
Constellation Brands, Inc. COM 21036p108   511,301 2,115 SH   SOLE   0 0 2,115
Costco Wholesale Corp. COM 22160K105   12,338,215 18,692 SH   SOLE   0 0 18,692
General Mills COM 370334104   1,563,572 24,003 SH   SOLE   0 0 24,003
Kraft Heinz Co. COM 500754106   977,788 26,441 SH   SOLE   0 0 26,441
Mondelez International, Inc. COM 609207105   858,296 11,850 SH   SOLE   0 0 11,850
Monster Beverage Corp. COM 61174x109   265,294 4,605 SH   SOLE   0 0 4,605
Mowi ASA ADR COM 624678108   224,269 12,550 SH   SOLE   0 0 12,550
PepsiCo Inc COM 713448108   2,976,024 17,523 SH   SOLE   0 0 17,523
Philip Morris Internat'l. COM 718172109   1,425,971 15,157 SH   SOLE   0 0 15,157
Procter and Gamble COM 742718109   1,862,405 12,709 SH   SOLE   0 0 12,709
Target Corp. COM 87612E106   1,542,551 10,831 SH   SOLE   0 0 10,831
Wal-Mart Stores COM 931142103   3,422,424 21,709 SH   SOLE   0 0 21,709
BP Amoco PLC ADR COM 055622104   903,974 25,536 SH   SOLE   0 0 25,536
Cheniere Energy, Inc COM 16411r208   6,956,774 40,752 SH   SOLE   0 0 40,752
Chevron Corp. COM 166764100   806,773 5,409 SH   SOLE   0 0 5,409
Civitas Resources, Inc. COM 17888h103   1,586,211 23,197 SH   SOLE   0 0 23,197
ConocoPhillips COM 20825C104   626,121 5,394 SH   SOLE   0 0 5,394
Enbridge Inc. COM 29250n105   505,738 13,978 SH   SOLE   0 0 13,978
Energy Select Sector SPDR ETF COM 81369y506   708,532 8,451 SH   SOLE   0 0 8,451
Exxon Mobil Corp. COM 30231G102   1,343,431 13,437 SH   SOLE   0 0 13,437
First TR. Ex. Tr. FD N. American Energy COM 33738d101   439,417 15,869 SH   SOLE   0 0 15,869
Marathon Petroleum Corp. COM 56585a102   612,430 4,128 SH   SOLE   0 0 4,128
Petroleo Brasileiro Petrobras ADR COM 71654v408   253,939 15,901 SH   SOLE   0 0 15,901
Phillips 66 COM 718546104   3,734,102 28,046 SH   SOLE   0 0 28,046
Shell PLC ADR COM 780259305   483,301 7,345 SH   SOLE   0 0 7,345
Total Energies SE COM 89151e109   231,720 3,439 SH   SOLE   0 0 3,439
Williams Companies COM 969457100   2,464,536 70,759 SH   SOLE   0 0 70,759
AFLAC, Inc. COM 001055102   1,096,061 13,286 SH   SOLE   0 0 13,286
AGNC Investment Corp COM 00123q104   1,312,097 133,751 SH   SOLE   0 0 133,751
American Express COM 025816109   366,812 1,958 SH   SOLE   0 0 1,958
BB Seguridade Participacoes ADR COM 05541j103   210,015 30,437 SH   SOLE   0 0 30,437
Bank of America COM 060505104   370,538 11,005 SH   SOLE   0 0 11,005
Bank of Montreal COM 063671101   333,329 3,369 SH   SOLE   0 0 3,369
Barings BDC, Inc. COM 06759l103   119,039 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   542,625 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   4,825,966 13,531 SH   SOLE   0 0 13,531
Blackstone Group Inc. Cl. A COM 09260d107   12,228,576 93,405 SH   SOLE   0 0 93,405
Canadian Imperial Bank of Commerce COM 136069101   202,236 4,201 SH   SOLE   0 0 4,201
Charles Schwab Corp. COM 808513105   501,096 7,283 SH   SOLE   0 0 7,283
Discover Financial Services, Inc. COM 254709108   268,186 2,386 SH   SOLE   0 0 2,386
Essent Group Ltd. COM g3198u102   1,726,813 32,742 SH   SOLE   0 0 32,742
Everest Reinsur. Group, Ltd. COM g3223r108   1,166,814 3,300 SH   SOLE   0 0 3,300
Fifth Third Bancorp COM 316773100   484,240 14,040 SH   SOLE   0 0 14,040
First Busey Corp. COM 319383204   9,980,048 402,097 SH   SOLE   0 0 402,097
Fiserv, Inc. COM 337738108   7,727,701 58,173 SH   SOLE   0 0 58,173
Gallagher, Arthur J & Co. COM 363576109   305,837 1,360 SH   SOLE   0 0 1,360
Global Payments Inc. COM 37940x102   3,534,791 27,833 SH   SOLE   0 0 27,833
HSBC Holdings PLC ADR COM 404280406   295,942 7,300 SH   SOLE   0 0 7,300
Interactive Brokers Group, Inc. COM 45841n107   2,089,163 25,201 SH   SOLE   0 0 25,201
Intercontinental Exchange Group COM 45866f104   6,177,483 48,100 SH   SOLE   0 0 48,100
J.P. Morgan Chase & Co. COM 46625H100   1,581,590 9,298 SH   SOLE   0 0 9,298
KeyCorp COM 493267108   2,007,317 139,397 SH   SOLE   0 0 139,397
M & T Bank Corp. COM 55261f104   1,369,155 9,988 SH   SOLE   0 0 9,988
MGIC Investment Corp. COM 552848103   1,830,139 94,875 SH   SOLE   0 0 94,875
MasterCard, Inc. COM 57636q104   11,218,919 26,304 SH   SOLE   0 0 26,304
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   234,812 27,272 SH   SOLE   0 0 27,272
Moody's Corp. COM 615369105   578,029 1,480 SH   SOLE   0 0 1,480
Morgan Stanley COM 617446448   207,015 2,220 SH   SOLE   0 0 2,220
Old Republic Nat'l. Corp. COM 680223104   2,674,577 90,972 SH   SOLE   0 0 90,972
Ping An Insurance Company of China ADR COM 72341e304   100,284 11,118 SH   SOLE   0 0 11,118
Prudential Financial, Inc. COM 744320102   235,037 2,266 SH   SOLE   0 0 2,266
RLI Corp. COM 749607107   226,836 1,704 SH   SOLE   0 0 1,704
Regions Financial Corp. COM 7591ep100   416,554 21,494 SH   SOLE   0 0 21,494
S&P Global, Inc. COM 78409v104   2,152,381 4,886 SH   SOLE   0 0 4,886
Sun Life Financial, Inc. COM 866796105   306,959 5,919 SH   SOLE   0 0 5,919
Swiss Re Ltd. COM 870886108   241,329 8,576 SH   SOLE   0 0 8,576
Travelers Companies Inc. COM 89417E109   531,467 2,790 SH   SOLE   0 0 2,790
UBS Group AG COM h42097107   269,386 8,718 SH   SOLE   0 0 8,718
Visa Inc. COM 92826c839   1,150,487 4,419 SH   SOLE   0 0 4,419
WEX, Inc. COM 96208t104   920,416 4,731 SH   SOLE   0 0 4,731
AbbVie, Inc. COM 00287y109   2,891,318 18,657 SH   SOLE   0 0 18,657
Abbott Laboratories COM 002824100   1,881,647 17,095 SH   SOLE   0 0 17,095
Amerisource Bergen COM 03073E105   353,459 1,721 SH   SOLE   0 0 1,721
Amgen, Inc. COM 031162100   421,085 1,462 SH   SOLE   0 0 1,462
AstraZeneca PLC ADR COM 046353108   2,171,970 32,249 SH   SOLE   0 0 32,249
Becton Dickinson & Co. COM 075887109   622,254 2,552 SH   SOLE   0 0 2,552
Bristol-Myers Squibb COM 110122108   406,016 7,913 SH   SOLE   0 0 7,913
CVS Health Corp. COM 126650100   2,702,485 34,226 SH   SOLE   0 0 34,226
Cardinal Health COM 14149y108   2,685,514 26,642 SH   SOLE   0 0 26,642
Danaher Corp. COM 235851102   458,516 1,982 SH   SOLE   0 0 1,982
Elevance Health COM 036752103   355,272 753 SH   SOLE   0 0 753
First Trust NYSE Arca Biotech ETF COM 33733e203   341,399 2,160 SH   SOLE   0 0 2,160
Gilead Sciences Inc. COM 375558103   5,642,995 69,658 SH   SOLE   0 0 69,658
GlaxoSmithKline PLC COM 37733w204   344,028 9,283 SH   SOLE   0 0 9,283
HCA Healthcare Co. COM 40412c101   8,644,166 31,935 SH   SOLE   0 0 31,935
Health Care Select Sector SPDR ETF COM 81369y209   325,675 2,388 SH   SOLE   0 0 2,388
IShares US Healthcare ETF COM 464287762   681,251 2,380 SH   SOLE   0 0 2,380
Johnson & Johnson COM 478160104   2,286,209 14,586 SH   SOLE   0 0 14,586
Lilly (Eli) COM 532457108   1,812,218 3,109 SH   SOLE   0 0 3,109
Merck & Co Inc. COM 58933y105   4,763,936 43,698 SH   SOLE   0 0 43,698
Microport Scientific Corp. COM g60837104   514,763 504,670 SH   SOLE   0 0 504,670
Novartis AG ADR COM 66987v109   244,145 2,418 SH   SOLE   0 0 2,418
Novo Nordisk A.S. ADR COM 670100205   1,569,337 15,170 SH   SOLE   0 0 15,170
Pfizer, Inc. COM 717081103   1,117,973 38,832 SH   SOLE   0 0 38,832
Quest Diagnostics COM 74834L100   1,437,537 10,426 SH   SOLE   0 0 10,426
Regeneron Pharmaceuticals COM 75886f107   3,197,854 3,641 SH   SOLE   0 0 3,641
Stryker Corporation COM 863667101   274,605 917 SH   SOLE   0 0 917
Takeda Pharmaceutical Co. COM 874060205   179,260 12,562 SH   SOLE   0 0 12,562
Thermo Fisher Scientific, Inc. COM 883556102   6,622,667 12,477 SH   SOLE   0 0 12,477
UnitedHealth Group COM 91324p102   8,776,781 16,671 SH   SOLE   0 0 16,671
Vanguard World Health Care ETF COM 92204a504   2,321,733 9,261 SH   SOLE   0 0 9,261
Vertex Pharmaceutical COM 92532F100   366,201 900 SH   SOLE   0 0 900
3M Company COM 88579y101   279,313 2,555 SH   SOLE   0 0 2,555
AB Volvo ADR COM 928854108   268,946 10,366 SH   SOLE   0 0 10,366
ABB Ltd. Sponsored ADR COM 000375204   282,501 6,377 SH   SOLE   0 0 6,377
Boeing Company COM 097023105   279,167 1,071 SH   SOLE   0 0 1,071
CSX Corp. COM 126408103   260,337 7,509 SH   SOLE   0 0 7,509
Caterpillar Inc. COM 149123101   1,923,573 6,506 SH   SOLE   0 0 6,506
Cummins Engine Inc. COM 231021106   905,095 3,778 SH   SOLE   0 0 3,778
Deere & Co. COM 244199105   7,062,504 17,662 SH   SOLE   0 0 17,662
Delta Airlines Inc. COM 247361702   3,253,601 80,875 SH   SOLE   0 0 80,875
Eaton Corp., PLC COM g29183103   1,344,016 5,581 SH   SOLE   0 0 5,581
Emerson Electric Co. COM 291011104   383,292 3,938 SH   SOLE   0 0 3,938
Fedex Corp. COM 31428X106   203,388 804 SH   SOLE   0 0 804
Frontline, LTD. COM M46528101   258,846 12,910 SH   SOLE   0 0 12,910
General Dynamics COM 369550108   225,134 867 SH   SOLE   0 0 867
H&E Equipment Services, Inc. COM 404030108   2,083,330 39,819 SH   SOLE   0 0 39,819
Illinois Tool Works COM 452308109   2,410,004 9,201 SH   SOLE   0 0 9,201
Industrial Select Sector SPDR ETF COM 81369y704   398,167 3,493 SH   SOLE   0 0 3,493
Jacobs Solutions, Inc. COM 46982l108   603,181 4,647 SH   SOLE   0 0 4,647
Lockheed Martin Corp. COM 539830109   380,722 840 SH   SOLE   0 0 840
Masco Corp. COM 574599106   437,915 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   383,645 1,623 SH   SOLE   0 0 1,623
Northrop Grumman COM 666807102   283,225 605 SH   SOLE   0 0 605
Owens Corning COM 690742101   7,132,976 48,121 SH   SOLE   0 0 48,121
Quanta Services, Inc. COM 74762e102   3,797,001 17,595 SH   SOLE   0 0 17,595
RPM Inc. Ohio COM 749685103   3,482,646 31,198 SH   SOLE   0 0 31,198
RTX Corp. COM 75513e101   359,278 4,270 SH   SOLE   0 0 4,270
Saia, Inc. COM 78709Y105   3,615,315 8,250 SH   SOLE   0 0 8,250
Snap-on Incorporated COM 833034101   2,605,626 9,021 SH   SOLE   0 0 9,021
Terex Corp. COM 880779103   1,711,159 29,780 SH   SOLE   0 0 29,780
Timken Co. COM 887389104   2,806,693 35,018 SH   SOLE   0 0 35,018
Uber Technologies Inc. COM 90353t100   372,437 6,049 SH   SOLE   0 0 6,049
Union Pacific Corp. COM 907818108   1,338,138 5,448 SH   SOLE   0 0 5,448
United Parcel Service, Inc. COM 911312106   316,347 2,012 SH   SOLE   0 0 2,012
United Rentals, Inc. COM 911363109   12,884,747 22,470 SH   SOLE   0 0 22,470
Waste Management, Inc. COM 94106L109   583,866 3,260 SH   SOLE   0 0 3,260
American Tower Corp. COM 03027x100   295,540 1,369 SH   SOLE   0 0 1,369
Apartment Income REIT Corp. COM 03750l109   955,075 27,500 SH   SOLE   0 0 27,500
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747   215,325 27,500 SH   SOLE   0 0 27,500
Digital Realty Trust Inc. COM 253868103   2,813,799 20,908 SH   SOLE   0 0 20,908
Essex Property Trust COM 297178105   1,547,394 6,241 SH   SOLE   0 0 6,241
Farmland Partners, Inc. COM 31154r109   394,368 31,600 SH   SOLE   0 0 31,600
IShares Cohen & Steers REIT ETF COM 464287564   473,481 8,062 SH   SOLE   0 0 8,062
IShares Residential Real Estate Capped ETF COM 464288562   347,161 4,722 SH   SOLE   0 0 4,722
Realty Income Corp. COM 756109104   272,343 4,743 SH   SOLE   0 0 4,743
Vanguard REIT ETF COM 922908553   577,830 6,540 SH   SOLE   0 0 6,540
W. P. Carey Inc. COM 92936u109   3,534,756 54,540 SH   SOLE   0 0 54,540
ASML Hldg N V COM n07059210   7,183,928 9,491 SH   SOLE   0 0 9,491
Accenture, Ltd. COM g1151c101   232,302 662 SH   SOLE   0 0 662
Adobe Systems, Inc. COM 00724F101   675,948 1,133 SH   SOLE   0 0 1,133
Advanced Micro Devices COM 007903107   944,161 6,405 SH   SOLE   0 0 6,405
Analog Devices Inc. COM 032654105   268,056 1,350 SH   SOLE   0 0 1,350
Apple Inc. COM 037833100   32,086,173 166,655 SH   SOLE   0 0 166,655
Applied Materials COM 038222105   521,379 3,217 SH   SOLE   0 0 3,217
Autodesk COM 052769106   236,176 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103   1,281,568 5,501 SH   SOLE   0 0 5,501
Avnet Inc. COM 053807103   2,714,746 53,864 SH   SOLE   0 0 53,864
Broadcom Inc. COM 11135f101   16,076,233 14,402 SH   SOLE   0 0 14,402
Cisco Systems COM 17275r102   1,135,993 22,486 SH   SOLE   0 0 22,486
First Solar, Inc. COM 336433107   336,807 1,955 SH   SOLE   0 0 1,955
Flextronics Internat'l. Ltd. COM Y2573F102   9,821,888 322,452 SH   SOLE   0 0 322,452
Gen Digital Inc. COM 668771108   292,096 12,800 SH   SOLE   0 0 12,800
Hewlett Packard Enterprise Co. COM 42824c109   2,452,778 144,451 SH   SOLE   0 0 144,451
Honeywell Internat'l. COM 438516106   502,675 2,397 SH   SOLE   0 0 2,397
I.B.M. COM 459200101   1,463,118 8,946 SH   SOLE   0 0 8,946
Infosys Technologies, Ltd. COM 456788108   370,265 20,145 SH   SOLE   0 0 20,145
Intel Corp. COM 458140100   737,693 14,680 SH   SOLE   0 0 14,680
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   4,657,792 11,374 SH   SOLE   0 0 11,374
Jabil Circuit, Inc. COM 466313103   11,062,269 86,831 SH   SOLE   0 0 86,831
LAM Research Corp. COM 512807108   12,811,001 16,356 SH   SOLE   0 0 16,356
Leidos Holdings, Inc. COM 525327102   666,542 6,158 SH   SOLE   0 0 6,158
Logitech Internat'l. SA COM H50430232   476,821 5,016 SH   SOLE   0 0 5,016
MercadoLibre Inc. COM 58733r102   526,466 335 SH   SOLE   0 0 335
Microchip Technology, Inc. COM 595017104   10,827,197 120,062 SH   SOLE   0 0 120,062
Micron Technology, Inc. COM 595112103   935,326 10,960 SH   SOLE   0 0 10,960
Microsoft Corporation COM 594918104   20,847,748 55,440 SH   SOLE   0 0 55,440
Motorola Solutions, Inc. COM 620076307   216,971 693 SH   SOLE   0 0 693
Nvidia Corp. COM 67066g104   15,826,940 31,959 SH   SOLE   0 0 31,959
Oracle Corp COM 68389X105   1,110,705 10,535 SH   SOLE   0 0 10,535
Palo Alto Networks, Inc. COM 697435105   1,616,827 5,483 SH   SOLE   0 0 5,483
PayChex Inc. COM 704326107   3,013,959 25,304 SH   SOLE   0 0 25,304
Qualcomm Inc. COM 747525103   558,416 3,861 SH   SOLE   0 0 3,861
Salesforce.com COM 79466l302   3,696,591 14,048 SH   SOLE   0 0 14,048
Seagate Technology Holdings PLC COM g7997r103   313,991 3,678 SH   SOLE   0 0 3,678
ServiceNow, Inc. COM 81762p102   277,651 393 SH   SOLE   0 0 393
Siemens AG ADR COM 826197501   264,625 2,829 SH   SOLE   0 0 2,829
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   1,041,248 10,012 SH   SOLE   0 0 10,012
Technology Select Sector SPDR ETF COM 81369y803   511,419 2,657 SH   SOLE   0 0 2,657
United Microelectronics ADR COM 910873405   342,402 40,473 SH   SOLE   0 0 40,473
Vanguard Information Technology ETF COM 92204a702   2,547,527 5,263 SH   SOLE   0 0 5,263
Air Products & Chem COM 009158106   384,415 1,404 SH   SOLE   0 0 1,404
Albemarle Corp. COM 012653101   2,378,011 16,459 SH   SOLE   0 0 16,459
Amyris, Inc. COM 03236m200   26 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108   459,521 6,727 SH   SOLE   0 0 6,727
Ball Corp. COM 058498106   220,532 3,834 SH   SOLE   0 0 3,834
Dow Inc. COM 260557103   300,688 5,483 SH   SOLE   0 0 5,483
Gerdau SA ADR COM 373737105   182,641 37,658 SH   SOLE   0 0 37,658
Graphic Packaging Holding Company COM 388689101   2,195,945 89,085 SH   SOLE   0 0 89,085
International Paper COM 460146103   1,199,493 33,181 SH   SOLE   0 0 33,181
Linde PLC COM g54950103   305,979 745 SH   SOLE   0 0 745
Materials Select Sector SPDR ETF COM 81369y100   331,296 3,873 SH   SOLE   0 0 3,873
Mosaic Co. COM 61945c103   1,229,112 34,400 SH   SOLE   0 0 34,400
Nucor Corp. COM 670346105   3,374,113 19,387 SH   SOLE   0 0 19,387
Rio Tinto PLC ADR F COM 767204100   719,507 9,663 SH   SOLE   0 0 9,663
Sherwin Williams Company COM 824348106   6,209,929 19,910 SH   SOLE   0 0 19,910
Sprott Physical Gold Trust COM 85207H104   177,492 11,142 SH   SOLE   0 0 11,142
Yara International ADR COM 984851204   291,772 16,475 SH   SOLE   0 0 16,475
AT&T Inc. COM 00206R102   542,212 32,313 SH   SOLE   0 0 32,313
Alphabet Inc., Cl. A COM 02079k305   14,629,594 104,729 SH   SOLE   0 0 104,729
Alphabet Inc., Cl. C COM 02079k107   2,017,841 14,318 SH   SOLE   0 0 14,318
Charter Communications, Inc. COM 16119p108   979,474 2,520 SH   SOLE   0 0 2,520
Comcast Corp., Cl. A COM 20030N101   221,355 5,048 SH   SOLE   0 0 5,048
Meta Platforms, Inc. COM 30303m102   2,735,403 7,728 SH   SOLE   0 0 7,728
Netflix Inc. COM 64110L106   310,629 638 SH   SOLE   0 0 638
Omnicom Group COM 681919106   2,177,370 25,169 SH   SOLE   0 0 25,169
T-Mobile US Inc. COM 872590104   3,382,642 21,098 SH   SOLE   0 0 21,098
Verizon Communications COM 92343V104   406,595 10,785 SH   SOLE   0 0 10,785
Vodafone Group PLC ADR COM 92857w308   171,181 19,676 SH   SOLE   0 0 19,676
Walt Disney Co COM 254687106   719,882 7,973 SH   SOLE   0 0 7,973
Allete, Inc. COM 018522300   1,454,385 23,780 SH   SOLE   0 0 23,780
Alliant Energy Corp. COM 018802108   1,004,403 19,579 SH   SOLE   0 0 19,579
Ameren Corp. COM 023608102   218,999 3,027 SH   SOLE   0 0 3,027
American States Water Co. COM 029899101   1,813,632 22,552 SH   SOLE   0 0 22,552
Black Hills Corp. COM 092113109   981,836 18,199 SH   SOLE   0 0 18,199
Duke Energy Corp COM 26441c204   321,844 3,317 SH   SOLE   0 0 3,317
Equinor ASA COM 29446m102   402,049 12,707 SH   SOLE   0 0 12,707
Eversource Energy Com. COM 30040w108   211,761 3,431 SH   SOLE   0 0 3,431
National Fuel Gas Co. COM 636180101   1,144,378 22,810 SH   SOLE   0 0 22,810
National Grid PLC ADR COM 636274409   321,185 4,724 SH   SOLE   0 0 4,724
NextEra Energy COM 65339F101   986,478 16,241 SH   SOLE   0 0 16,241
Southern Company COM 842587107   475,779 6,785 SH   SOLE   0 0 6,785
Veolia Environment ADR COM 92334n103   232,406 14,726 SH   SOLE   0 0 14,726
Vanguard S&P Mid-Cap 400 Index Fund - ETF COM 921932885   224,212 2,386 SH   SOLE   0 0 2,386
IShares US Real Estate ETF COM 464287739   344,250 3,766 SH   SOLE   0 0 3,766
First Trust Preferred Secs & Inc ETF COM 33739e108   170,397 10,107 SH   SOLE   0 0 10,107
Vanguard Small Cap Growth ETF COM 922908595   465,987 1,927 SH   SOLE   0 0 1,927
IShares Russell 2000 Index ETF COM 464287655   2,156,061 10,742 SH   SOLE   0 0 10,742
IShares S&P SmallCap 600 Index ETF COM 464287804   5,318,145 49,128 SH   SOLE   0 0 49,128
John Hancock Multifactor Mid Cap ETF COM 47804J206   463,935 8,810 SH   SOLE   0 0 8,810
Schwab Strategic US Small-Cap ETF COM 808524607   945,367 20,012 SH   SOLE   0 0 20,012
Vanguard Index Small Cap ETF COM 922908751   5,591,997 26,213 SH   SOLE   0 0 26,213
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   2,316,096 39,376 SH   SOLE   0 0 39,376
Avantis U.S. Small Cap Value - ETF COM 025072877   1,273,700 14,184 SH   SOLE   0 0 14,184
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   2,044,747 62,397 SH   SOLE   0 0 62,397
IShares Russell 2000 Value Index ETF COM 464287630   1,172,742 7,550 SH   SOLE   0 0 7,550
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   825,523 8,009 SH   SOLE   0 0 8,009
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   3,436,018 71,539 SH   SOLE   0 0 71,539
Vanguard Small Cap Value ETF COM 922908611   657,159 3,651 SH   SOLE   0 0 3,651
Vanguard Mid-Cap Growth ETF COM 922908538   1,172,366 5,339 SH   SOLE   0 0 5,339
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,540,063 14,745 SH   SOLE   0 0 14,745
IShares Russell Midcap Index ETF COM 464287499   2,366,101 30,440 SH   SOLE   0 0 30,440
IShares S&P Midcap 400 Index ETF COM 464287507   3,057,103 11,031 SH   SOLE   0 0 11,031
SPDR S&P MidCap 400 ETF COM 78467y107   1,219,234 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   897,287 11,913 SH   SOLE   0 0 11,913
Vanguard Extended Market ETF COM 922908652   312,398 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   7,086,721 30,462 SH   SOLE   0 0 30,462
IShares Russell Midcap Value Index ETF COM 464287473   785,706 6,756 SH   SOLE   0 0 6,756
IShares S&P MidCap 400/Barra Value ETF COM 464287705   3,777,689 33,126 SH   SOLE   0 0 33,126
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   7,525,950 144,758 SH   SOLE   0 0 144,758
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   816,186 11,094 SH   SOLE   0 0 11,094
Vanguard Mid-Cap Value ETF COM 922908512   1,341,273 9,250 SH   SOLE   0 0 9,250
Capital Group Growth - ETF COM 14020g101   1,546,245 54,773 SH   SOLE   0 0 54,773
FT CBOE Vest Fund of Buffer - ETF COM 33740f755   435,695 16,398 SH   SOLE   0 0 16,398
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   2,882,664 24,544 SH   SOLE   0 0 24,544
IShares MSCI USA Momentum Factor ETF COM 46432f396   4,265,525 27,188 SH   SOLE   0 0 27,188
IShares Russell 1000 Growth Index ETF COM 464287614   848,876 2,800 SH   SOLE   0 0 2,800
JPMorgan Nasdaq Equity Premium Inc ETF COM 46654q203   234,614 4,699 SH   SOLE   0 0 4,699
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   746,803 10,750 SH   SOLE   0 0 10,750
Schwab US Large-Cap Growth ETF COM 808524300   964,825 11,630 SH   SOLE   0 0 11,630
Vanguard Growth ETF COM 922908736   2,684,524 8,635 SH   SOLE   0 0 8,635
Vanguard Mega Cap Growth ETF COM 921910816   388,746 1,498 SH   SOLE   0 0 1,498
Vanguard Russell 1000 Growth ETF COM 92206c680   3,334,497 42,739 SH   SOLE   0 0 42,739
Vanguard S&P 500 Growth ETF COM 921932505   5,249,689 19,387 SH   SOLE   0 0 19,387
iShares Russell Top 200 Growth ETF COM 464289438   2,902,872 16,567 SH   SOLE   0 0 16,567
American Centy ETF TR Avantis US Equity COM 025072885   693,475 8,504 SH   SOLE   0 0 8,504
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   738,832 8,194 SH   SOLE   0 0 8,194
First Trust Capital Strength ETF COM 33733E104   3,224,349 40,284 SH   SOLE   0 0 40,284
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   7,694,247 82,019 SH   SOLE   0 0 82,019
IShares - Russell 200 Index ETF COM 464289446   700,846 6,090 SH   SOLE   0 0 6,090
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,197,131 8,136 SH   SOLE   0 0 8,136
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,035,347 51,715 SH   SOLE   0 0 51,715
IShares Russell 1000 Index Fund ETF COM 464287622   911,940 3,477 SH   SOLE   0 0 3,477
IShares Russell 3000 Index ETF COM 464287689   3,985,381 14,559 SH   SOLE   0 0 14,559
IShares S&P 500 Index ETF COM 464287200   711,222 1,489 SH   SOLE   0 0 1,489
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   4,470,497 86,958 SH   SOLE   0 0 86,958
Invesco S&P 500 GARP - ETF COM 46137V431   6,677,979 68,115 SH   SOLE   0 0 68,115
Invesco S&P 500 Low Volatility ETF COM 46138e354   4,299,805 68,621 SH   SOLE   0 0 68,621
Invesco S&P 500 Quality ETF A COM 46137v241   11,176,045 206,658 SH   SOLE   0 0 206,658
JPMorgan Equity Focus - ETF COM 46654Q781   2,998,186 56,870 SH   SOLE   0 0 56,870
JPMorgan Equity Premium Income ETF COM 46641q332   636,119 11,570 SH   SOLE   0 0 11,570
SPDR S&P 500 ETF COM 78462F103   6,328,750 13,315 SH   SOLE   0 0 13,315
Schwab US Broad Market ETF COM 808524102   3,441,798 61,825 SH   SOLE   0 0 61,825
Schwab US Large-Cap ETF COM 808524201   945,186 16,759 SH   SOLE   0 0 16,759
VanEck Morningstar Wide Moat - ETF COM 92189f643   985,256 11,609 SH   SOLE   0 0 11,609
Vanguard Dividend Appreciation ETF COM 921908844   14,159,342 83,095 SH   SOLE   0 0 83,095
Vanguard ESG US Stock - ETF COM 921910733   741,043 8,712 SH   SOLE   0 0 8,712
Vanguard Large Cap ETF COM 922908637   725,349 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   12,614,576 74,519 SH   SOLE   0 0 74,519
Vanguard Russell 1000 ETF COM 92206c730   7,712,000 35,549 SH   SOLE   0 0 35,549
Vanguard Russell 3000 ETF COM 92206c599   528,883 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   3,805,227 8,712 SH   SOLE   0 0 8,712
Vanguard Total Stock Market ETF COM 922908769   20,301,502 85,581 SH   SOLE   0 0 85,581
WisdomTree US Quality Dividend Gr ETF COM 97717x669   261,793 3,725 SH   SOLE   0 0 3,725
Capital Group Dividend Value - ETF COM 14020w106   800,906 26,840 SH   SOLE   0 0 26,840
Dimensional US Marketwide Value - ETF COM 25434v724   355,786 9,559 SH   SOLE   0 0 9,559
First Trust Morningstar Div Leaders ETF COM 336917109   5,734,531 159,825 SH   SOLE   0 0 159,825
First Trust Rising Dividend Achievers ETF COM 33738r506   3,624,956 70,156 SH   SOLE   0 0 70,156
First Trust Value Line Dividend ETF COM 33734h106   3,566,403 87,929 SH   SOLE   0 0 87,929
IShares Core US Value ETF COM 464287663   933,111 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   315,628 1,910 SH   SOLE   0 0 1,910
IShares Select Dividend ETF COM 464287168   1,647,410 14,054 SH   SOLE   0 0 14,054
Invesco S&P 500 High Div/Low Volat. ETF COM 46138e362   208,233 4,910 SH   SOLE   0 0 4,910
Invesco S&P 500 Revenue ETF COM 46138g698   622,982 7,300 SH   SOLE   0 0 7,300
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   5,117,113 53,751 SH   SOLE   0 0 53,751
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,399,695 3,714 SH   SOLE   0 0 3,714
SPDR S&P Dividend ETF COM 78464a763   1,901,544 15,216 SH   SOLE   0 0 15,216
SPDR S&P Value ETF COM 78464a508   4,430,539 95,015 SH   SOLE   0 0 95,015
Schwab Fundamental US Broad Market ETF COM 808524789   614,238 10,053 SH   SOLE   0 0 10,053
Schwab US Div Equity ETF COM 808524797   13,541,639 177,875 SH   SOLE   0 0 177,875
T. Rowe Price Dividend Growth ETF COM 87283q404   748,500 21,222 SH   SOLE   0 0 21,222
Vanguard High Dividend Yield ETF COM 921946406   2,248,842 20,146 SH   SOLE   0 0 20,146
Vanguard Russell 1000 Value ETF COM 92206c714   937,725 12,927 SH   SOLE   0 0 12,927
Vanguard S&P 500 Value ETF COM 921932703   527,394 3,140 SH   SOLE   0 0 3,140
Vanguard Value ETF COM 922908744   1,009,850 6,755 SH   SOLE   0 0 6,755
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   499,178 7,520 SH   SOLE   0 0 7,520
Global X S&P 500 Catholic Values ETF COM 37954y889   209,924 3,620 SH   SOLE   0 0 3,620
Pacer Global Cash Cows Dividend ETF COM 69374h709   617,533 18,020 SH   SOLE   0 0 18,020
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   664,623 10,236 SH   SOLE   0 0 10,236
WisdomTree International Hdgd Div Gr ETF COM 97717x594   1,082,778 25,787 SH   SOLE   0 0 25,787
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   3,284,859 100,577 SH   SOLE   0 0 100,577
IShares - MSCI ACWI ex US ETF COM 464288240   226,822 4,444 SH   SOLE   0 0 4,444
IShares MSCI EAFE ETF COM 464287465   296,370 3,933 SH   SOLE   0 0 3,933
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,455,654 25,929 SH   SOLE   0 0 25,929
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   547,422 11,428 SH   SOLE   0 0 11,428
Pacer FDS TR Developed Mrkts Int'l CC ETF COM 69374h873   1,654,783 52,970 SH   SOLE   0 0 52,970
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   518,201 16,885 SH   SOLE   0 0 16,885
SPDR S&P Emerging Markets ETF COM 78463x509   623,393 17,605 SH   SOLE   0 0 17,605
Vanguard Emerging Mkts. ETF COM 922042858   677,143 16,475 SH   SOLE   0 0 16,475
First TR Global Tactical Commodity ETF COM 33739h101   458,487 20,432 SH   SOLE   0 0 20,432
SPDR Gold Shares ETF COM 78463v107   679,418 3,554 SH   SOLE   0 0 3,554