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   3,018,326 66,615 SH   SOLE   0 0 66,615
Eaton Vance Municipal Income TR COM 27826u108   169,986 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   320,795 6,246 SH   SOLE   0 0 6,246
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   201,747 3,845 SH   SOLE   0 0 3,845
iShares National Muni Bond ETF COM 464288414   360,998 3,355 SH   SOLE   0 0 3,355
First Trust Senior Loan Fund ETF COM 33738d309   545,379 11,802 SH   SOLE   0 0 11,802
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   373,748 17,823 SH   SOLE   0 0 17,823
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825   266,162 13,028 SH   SOLE   0 0 13,028
JPMorgan Ultra-Short Income ETF COM 46641q837   1,874,924 37,164 SH   SOLE   0 0 37,164
Vanguard Bd Index - Total Bd Market ETF COM 921937835   275,491 3,793 SH   SOLE   0 0 3,793
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   953,663 21,873 SH   SOLE   0 0 21,873
First Trust Water ETF COM 33733b100   1,451,361 14,215 SH   SOLE   0 0 14,215
Amazon.com, Inc. COM 023135106   17,819,560 98,789 SH   SOLE   0 0 98,789
AutoZone, Inc. COM 053332102   614,572 195 SH   SOLE   0 0 195
Best Buy Company, Inc. COM 086516101   2,375,343 28,957 SH   SOLE   0 0 28,957
Booking Holdings, Inc. COM 09857l108   322,881 89 SH   SOLE   0 0 89
Chipotle Mexican Grill, A COM 169656105   14,083,301 4,845 SH   SOLE   0 0 4,845
Dicks Sporting Goods COM 253393102   2,916,434 12,970 SH   SOLE   0 0 12,970
Expedia Group Inc. COM 30212p303   2,540,386 18,442 SH   SOLE   0 0 18,442
Ferrari N V New Com. COM n3167y103   226,865 520 SH   SOLE   0 0 520
Garmin Ltd. COM h2906t109   3,564,394 23,943 SH   SOLE   0 0 23,943
Genuine Parts Co. COM 372460105   2,019,822 13,037 SH   SOLE   0 0 13,037
Hilton Worldwide Holdings, Inc. COM 43300a203   2,542,655 11,920 SH   SOLE   0 0 11,920
Home Depot, Inc. COM 437076102   9,301,759 24,249 SH   SOLE   0 0 24,249
Isuzu Motors Ltd. COM 465254209   154,541 11,473 SH   SOLE   0 0 11,473
Lear Corp. COM 521865204   493,316 3,405 SH   SOLE   0 0 3,405
Lowe's Cos COM 548661107   1,379,363 5,415 SH   SOLE   0 0 5,415
McDonalds Corp. COM 580135101   2,515,520 8,922 SH   SOLE   0 0 8,922
Nike, Inc. COM 654106103   218,410 2,324 SH   SOLE   0 0 2,324
Tesla Motors Inc. COM 88160r101   757,831 4,311 SH   SOLE   0 0 4,311
Unilever PLC ADR COM 904767704   512,440 10,210 SH   SOLE   0 0 10,210
W D 40 Co. COM 929236107   351,848 1,389 SH   SOLE   0 0 1,389
Yum Brands, Inc. COM 988498101   313,671 2,262 SH   SOLE   0 0 2,262
Altria Group, Inc. COM 02209S103   620,102 14,216 SH   SOLE   0 0 14,216
Archer Daniels Midland COM 039483102   8,286,516 131,930 SH   SOLE   0 0 131,930
Cal-Maine Foods, Inc. COM 128030202   1,701,530 28,913 SH   SOLE   0 0 28,913
Coca Cola COM 191216100   3,283,959 53,677 SH   SOLE   0 0 53,677
Coca Cola European Partners PLC COM g25839104   399,205 5,707 SH   SOLE   0 0 5,707
Colgate Palmolive Co. COM 194162103   493,204 5,477 SH   SOLE   0 0 5,477
Constellation Brands, Inc. COM 21036p108   574,772 2,115 SH   SOLE   0 0 2,115
Costco Wholesale Corp. COM 22160K105   13,591,752 18,552 SH   SOLE   0 0 18,552
General Mills COM 370334104   2,240,946 32,027 SH   SOLE   0 0 32,027
Mondelez International, Inc. COM 609207105   801,500 11,450 SH   SOLE   0 0 11,450
Monster Beverage Corp. COM 61174x109   219,040 3,695 SH   SOLE   0 0 3,695
Mowi ASA ADR COM 624678108   229,916 12,550 SH   SOLE   0 0 12,550
PepsiCo Inc COM 713448108   3,098,684 17,706 SH   SOLE   0 0 17,706
Philip Morris Internat'l. COM 718172109   1,300,158 14,191 SH   SOLE   0 0 14,191
Procter and Gamble COM 742718109   2,105,453 12,977 SH   SOLE   0 0 12,977
Target Corp. COM 87612E106   1,963,487 11,080 SH   SOLE   0 0 11,080
Wal-Mart Stores COM 931142103   3,452,675 57,382 SH   SOLE   0 0 57,382
Walgreen Boots Alliance Inc. COM 931427108   325,415 15,003 SH   SOLE   0 0 15,003
BP Amoco PLC ADR COM 055622104   951,156 25,243 SH   SOLE   0 0 25,243
Cheniere Energy, Inc COM 16411r208   7,012,938 43,483 SH   SOLE   0 0 43,483
Chevron Corp. COM 166764100   854,438 5,417 SH   SOLE   0 0 5,417
Civitas Resources, Inc. COM 17888h103   1,737,884 22,894 SH   SOLE   0 0 22,894
ConocoPhillips COM 20825C104   686,591 5,394 SH   SOLE   0 0 5,394
Enbridge Inc. COM 29250n105   1,954,742 54,034 SH   SOLE   0 0 54,034
Energy Select Sector SPDR ETF COM 81369y506   828,259 8,773 SH   SOLE   0 0 8,773
Exxon Mobil Corp. COM 30231G102   1,590,977 13,687 SH   SOLE   0 0 13,687
First TR. Ex. Tr. FD N. American Energy COM 33738d101   469,061 15,884 SH   SOLE   0 0 15,884
Marathon Petroleum Corp. COM 56585a102   818,695 4,063 SH   SOLE   0 0 4,063
Petroleo Brasileiro Petrobras ADR COM 71654v408   230,660 15,165 SH   SOLE   0 0 15,165
Phillips 66 COM 718546104   4,779,563 29,261 SH   SOLE   0 0 29,261
Shell PLC ADR COM 780259305   508,230 7,581 SH   SOLE   0 0 7,581
Total Energies SE COM 89151e109   224,936 3,268 SH   SOLE   0 0 3,268
Williams Companies COM 969457100   2,424,947 62,226 SH   SOLE   0 0 62,226
AFLAC, Inc. COM 001055102   1,140,930 13,288 SH   SOLE   0 0 13,288
AGNC Investment Corp COM 00123q104   1,403,602 141,778 SH   SOLE   0 0 141,778
American Express COM 025816109   585,391 2,571 SH   SOLE   0 0 2,571
BB Seguridade Participacoes ADR COM 05541j103   179,802 27,284 SH   SOLE   0 0 27,284
Bank of America COM 060505104   415,793 10,965 SH   SOLE   0 0 10,965
Bank of Montreal COM 063671101   313,455 3,209 SH   SOLE   0 0 3,209
Barings BDC, Inc. COM 06759l103   129,028 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   634,440 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   5,664,825 13,471 SH   SOLE   0 0 13,471
Blackstone Group Inc. Cl. A COM 09260d107   12,019,156 91,491 SH   SOLE   0 0 91,491
Capital Southwest Corp. COM 140501107   1,556,755 62,370 SH   SOLE   0 0 62,370
Charles Schwab Corp. COM 808513105   526,965 7,285 SH   SOLE   0 0 7,285
Discover Financial Services, Inc. COM 254709108   266,899 2,036 SH   SOLE   0 0 2,036
Essent Group Ltd. COM g3198u102   1,662,114 27,930 SH   SOLE   0 0 27,930
Everest Reinsur. Group, Ltd. COM g3223r108   482,963 1,215 SH   SOLE   0 0 1,215
Fifth Third Bancorp COM 316773100   522,428 14,040 SH   SOLE   0 0 14,040
First Busey Corp. COM 319383204   9,189,433 382,097 SH   SOLE   0 0 382,097
Gallagher, Arthur J & Co. COM 363576109   340,054 1,360 SH   SOLE   0 0 1,360
Global Payments Inc. COM 37940x102   4,577,855 34,250 SH   SOLE   0 0 34,250
HSBC Holdings PLC ADR COM 404280406   456,576 11,600 SH   SOLE   0 0 11,600
Interactive Brokers Group, Inc. COM 45841n107   3,616,946 32,378 SH   SOLE   0 0 32,378
Intercontinental Exchange Group COM 45866f104   6,841,265 49,780 SH   SOLE   0 0 49,780
J.P. Morgan Chase & Co. COM 46625H100   1,862,389 9,298 SH   SOLE   0 0 9,298
KeyCorp COM 493267108   2,137,117 135,175 SH   SOLE   0 0 135,175
M & T Bank Corp. COM 55261f104   1,557,081 10,706 SH   SOLE   0 0 10,706
MGIC Investment Corp. COM 552848103   2,021,389 90,402 SH   SOLE   0 0 90,402
MasterCard, Inc. COM 57636q104   13,028,876 27,055 SH   SOLE   0 0 27,055
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   265,018 25,906 SH   SOLE   0 0 25,906
Moody's Corp. COM 615369105   581,684 1,480 SH   SOLE   0 0 1,480
Old Republic Nat'l. Corp. COM 680223104   2,632,182 85,683 SH   SOLE   0 0 85,683
Ping An Insurance Company of China ADR COM 72341e304   94,725 11,118 SH   SOLE   0 0 11,118
Prudential Financial, Inc. COM 744320102   274,404 2,337 SH   SOLE   0 0 2,337
RLI Corp. COM 749607107   252,993 1,704 SH   SOLE   0 0 1,704
Regions Financial Corp. COM 7591ep100   220,794 10,494 SH   SOLE   0 0 10,494
S&P Global, Inc. COM 78409v104   1,698,822 3,993 SH   SOLE   0 0 3,993
Sun Life Financial, Inc. COM 866796105   310,942 5,697 SH   SOLE   0 0 5,697
Swiss Re Ltd. COM 870886108   262,208 8,133 SH   SOLE   0 0 8,133
Travelers Companies Inc. COM 89417E109   550,035 2,390 SH   SOLE   0 0 2,390
UBS Group AG COM h42097107   254,546 8,286 SH   SOLE   0 0 8,286
Visa Inc. COM 92826c839   1,261,163 4,519 SH   SOLE   0 0 4,519
WEX, Inc. COM 96208t104   1,147,507 4,831 SH   SOLE   0 0 4,831
Wells Fargo & Co. COM 949746101   211,090 3,642 SH   SOLE   0 0 3,642
AbbVie, Inc. COM 00287y109   3,392,129 18,628 SH   SOLE   0 0 18,628
Abbott Laboratories COM 002824100   1,871,185 16,463 SH   SOLE   0 0 16,463
Amerisource Bergen COM 03073E105   467,027 1,922 SH   SOLE   0 0 1,922
Amgen, Inc. COM 031162100   415,676 1,462 SH   SOLE   0 0 1,462
AstraZeneca PLC ADR COM 046353108   2,202,553 32,510 SH   SOLE   0 0 32,510
Becton Dickinson & Co. COM 075887109   631,492 2,552 SH   SOLE   0 0 2,552
Bristol-Myers Squibb COM 110122108   382,755 7,058 SH   SOLE   0 0 7,058
CVS Health Corp. COM 126650100   1,020,051 12,789 SH   SOLE   0 0 12,789
Cardinal Health COM 14149y108   2,795,486 24,982 SH   SOLE   0 0 24,982
Centene Corp. COM 15135b101   229,083 2,919 SH   SOLE   0 0 2,919
DaVita HealthCare Partners, Inc. COM 23918k108   221,294 1,603 SH   SOLE   0 0 1,603
Danaher Corp. COM 235851102   494,945 1,982 SH   SOLE   0 0 1,982
Edwards Lifesciences Corp. COM 28176E108   249,985 2,616 SH   SOLE   0 0 2,616
Elevance Health COM 036752103   437,903 844 SH   SOLE   0 0 844
First Trust NYSE Arca Biotech ETF COM 33733e203   332,143 2,160 SH   SOLE   0 0 2,160
Gilead Sciences Inc. COM 375558103   2,832,431 38,668 SH   SOLE   0 0 38,668
GlaxoSmithKline PLC COM 37733w204   299,190 6,979 SH   SOLE   0 0 6,979
HCA Healthcare Co. COM 40412c101   10,422,479 31,249 SH   SOLE   0 0 31,249
Health Care Select Sector SPDR ETF COM 81369y209   352,779 2,388 SH   SOLE   0 0 2,388
IShares US Healthcare ETF COM 464287762   735,991 11,890 SH   SOLE   0 0 11,890
Johnson & Johnson COM 478160104   2,291,540 14,486 SH   SOLE   0 0 14,486
Lilly (Eli) COM 532457108   7,711,810 9,913 SH   SOLE   0 0 9,913
Merck & Co Inc. COM 58933y105   5,569,667 42,210 SH   SOLE   0 0 42,210
Microport Scientific Corp. COM g60837104   405,957 504,670 SH   SOLE   0 0 504,670
Novartis AG ADR COM 66987v109   223,833 2,314 SH   SOLE   0 0 2,314
Novo Nordisk A.S. ADR COM 670100205   2,108,071 16,418 SH   SOLE   0 0 16,418
Pfizer, Inc. COM 717081103   1,216,477 43,837 SH   SOLE   0 0 43,837
Regeneron Pharmaceuticals COM 75886f107   3,292,678 3,421 SH   SOLE   0 0 3,421
Stryker Corporation COM 863667101   328,167 917 SH   SOLE   0 0 917
Takeda Pharmaceutical Co. COM 874060205   141,400 10,180 SH   SOLE   0 0 10,180
Thermo Fisher Scientific, Inc. COM 883556102   6,152,108 10,585 SH   SOLE   0 0 10,585
UnitedHealth Group COM 91324p102   9,130,183 18,456 SH   SOLE   0 0 18,456
Vanguard World Health Care ETF COM 92204a504   2,505,286 9,261 SH   SOLE   0 0 9,261
Vertex Pharmaceutical COM 92532F100   376,209 900 SH   SOLE   0 0 900
3M Company COM 88579y101   276,737 2,609 SH   SOLE   0 0 2,609
AB Volvo ADR COM 928854108   286,654 9,827 SH   SOLE   0 0 9,827
ABB Ltd. Sponsored ADR COM 000375204   282,471 6,093 SH   SOLE   0 0 6,093
CSX Corp. COM 126408103   278,359 7,509 SH   SOLE   0 0 7,509
Caterpillar Inc. COM 149123101   2,556,162 6,976 SH   SOLE   0 0 6,976
Cummins Engine Inc. COM 231021106   1,026,266 3,483 SH   SOLE   0 0 3,483
Deere & Co. COM 244199105   2,512,497 6,117 SH   SOLE   0 0 6,117
Delta Airlines Inc. COM 247361702   1,474,157 30,795 SH   SOLE   0 0 30,795
Eaton Corp., PLC COM g29183103   1,730,058 5,533 SH   SOLE   0 0 5,533
Emerson Electric Co. COM 291011104   434,477 3,831 SH   SOLE   0 0 3,831
Fastenal Company COM 311900104   226,020 2,930 SH   SOLE   0 0 2,930
Frontline, LTD. COM M46528101   285,026 12,191 SH   SOLE   0 0 12,191
General Dynamics COM 369550108   244,919 867 SH   SOLE   0 0 867
General Electric COM 369604301   203,790 1,161 SH   SOLE   0 0 1,161
H&E Equipment Services, Inc. COM 404030108   2,622,074 40,855 SH   SOLE   0 0 40,855
Illinois Tool Works COM 452308109   2,106,550 7,851 SH   SOLE   0 0 7,851
Industrial Select Sector SPDR ETF COM 81369y704   439,978 3,493 SH   SOLE   0 0 3,493
Jacobs Solutions, Inc. COM 46982l108   677,488 4,407 SH   SOLE   0 0 4,407
Lockheed Martin Corp. COM 539830109   358,892 789 SH   SOLE   0 0 789
Masco Corp. COM 574599106   515,717 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   388,167 1,523 SH   SOLE   0 0 1,523
Northrop Grumman COM 666807102   250,339 523 SH   SOLE   0 0 523
Owens Corning COM 690742101   8,237,585 49,386 SH   SOLE   0 0 49,386
Quanta Services, Inc. COM 74762e102   4,345,155 16,725 SH   SOLE   0 0 16,725
RPM Inc. Ohio COM 749685103   3,618,711 30,422 SH   SOLE   0 0 30,422
RTX Corp. COM 75513e101   416,453 4,270 SH   SOLE   0 0 4,270
Saia, Inc. COM 78709Y105   3,685,500 6,300 SH   SOLE   0 0 6,300
Snap-on Incorporated COM 833034101   2,796,317 9,440 SH   SOLE   0 0 9,440
Terex Corp. COM 880779103   2,066,789 32,093 SH   SOLE   0 0 32,093
Timken Co. COM 887389104   2,914,304 33,333 SH   SOLE   0 0 33,333
Uber Technologies Inc. COM 90353t100   470,178 6,107 SH   SOLE   0 0 6,107
Union Pacific Corp. COM 907818108   1,091,191 4,437 SH   SOLE   0 0 4,437
United Parcel Service, Inc. COM 911312106   299,044 2,012 SH   SOLE   0 0 2,012
United Rentals, Inc. COM 911363109   15,723,082 21,804 SH   SOLE   0 0 21,804
Waste Management, Inc. COM 94106L109   693,377 3,253 SH   SOLE   0 0 3,253
American Tower Corp. COM 03027x100   290,852 1,472 SH   SOLE   0 0 1,472
Digital Realty Trust Inc. COM 253868103   3,085,913 21,424 SH   SOLE   0 0 21,424
Essex Property Trust COM 297178105   1,920,779 7,846 SH   SOLE   0 0 7,846
Farmland Partners, Inc. COM 31154r109   350,760 31,600 SH   SOLE   0 0 31,600
IShares Cohen & Steers REIT ETF COM 464287564   465,177 8,062 SH   SOLE   0 0 8,062
IShares Residential Real Estate Capped ETF COM 464288562   340,315 4,722 SH   SOLE   0 0 4,722
Realty Income Corp. COM 756109104   271,690 5,022 SH   SOLE   0 0 5,022
Vanguard REIT ETF COM 922908553   565,536 6,540 SH   SOLE   0 0 6,540
W. P. Carey Inc. COM 92936u109   3,529,461 62,535 SH   SOLE   0 0 62,535
ASML Hldg N V COM n07059210   10,887,703 11,219 SH   SOLE   0 0 11,219
Accenture, Ltd. COM g1151c101   220,791 637 SH   SOLE   0 0 637
Adobe Systems, Inc. COM 00724F101   526,298 1,043 SH   SOLE   0 0 1,043
Advanced Micro Devices COM 007903107   1,152,970 6,388 SH   SOLE   0 0 6,388
Analog Devices Inc. COM 032654105   267,017 1,350 SH   SOLE   0 0 1,350
Apple Inc. COM 037833100   28,822,569 168,081 SH   SOLE   0 0 168,081
Applied Materials COM 038222105   697,470 3,382 SH   SOLE   0 0 3,382
Autodesk COM 052769106   252,607 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103   1,373,820 5,501 SH   SOLE   0 0 5,501
Avnet Inc. COM 053807103   2,696,706 54,391 SH   SOLE   0 0 54,391
Broadcom Inc. COM 11135f101   17,511,317 13,212 SH   SOLE   0 0 13,212
Cisco Systems COM 17275r102   1,142,240 22,886 SH   SOLE   0 0 22,886
Corning Inc. COM 219350105   1,577,301 47,855 SH   SOLE   0 0 47,855
First Solar, Inc. COM 336433107   313,968 1,860 SH   SOLE   0 0 1,860
Fiserv, Inc. COM 337738108   9,154,969 57,283 SH   SOLE   0 0 57,283
Flextronics Internat'l. Ltd. COM Y2573F102   9,251,358 323,361 SH   SOLE   0 0 323,361
Gen Digital Inc. COM 668771108   1,320,480 58,950 SH   SOLE   0 0 58,950
Hewlett Packard Enterprise Co. COM 42824c109   2,574,520 145,207 SH   SOLE   0 0 145,207
Honeywell Internat'l. COM 438516106   337,021 1,642 SH   SOLE   0 0 1,642
I.B.M. COM 459200101   1,568,927 8,216 SH   SOLE   0 0 8,216
Infosys Technologies, Ltd. COM 456788108   344,615 19,220 SH   SOLE   0 0 19,220
Intel Corp. COM 458140100   741,950 16,798 SH   SOLE   0 0 16,798
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   5,837,381 13,147 SH   SOLE   0 0 13,147
Jabil Circuit, Inc. COM 466313103   12,130,512 90,560 SH   SOLE   0 0 90,560
LAM Research Corp. COM 512807108   15,364,408 15,814 SH   SOLE   0 0 15,814
Leidos Holdings, Inc. COM 525327102   807,252 6,158 SH   SOLE   0 0 6,158
Logitech Internat'l. SA COM H50430232   434,249 4,859 SH   SOLE   0 0 4,859
MercadoLibre Inc. COM 58733r102   521,626 345 SH   SOLE   0 0 345
Microchip Technology, Inc. COM 595017104   10,829,905 120,721 SH   SOLE   0 0 120,721
Micron Technology, Inc. COM 595112103   1,292,074 10,960 SH   SOLE   0 0 10,960
Microsoft Corporation COM 594918104   23,393,763 55,604 SH   SOLE   0 0 55,604
Motorola Solutions, Inc. COM 620076307   246,001 693 SH   SOLE   0 0 693
Nvidia Corp. COM 67066g104   27,019,530 29,903 SH   SOLE   0 0 29,903
Oracle Corp COM 68389X105   1,323,301 10,535 SH   SOLE   0 0 10,535
Palo Alto Networks, Inc. COM 697435105   1,530,040 5,385 SH   SOLE   0 0 5,385
PayChex Inc. COM 704326107   3,055,387 24,881 SH   SOLE   0 0 24,881
Qualcomm Inc. COM 747525103   353,837 2,090 SH   SOLE   0 0 2,090
Salesforce.com COM 79466l302   4,205,376 13,963 SH   SOLE   0 0 13,963
Seagate Technology Holdings PLC COM g7997r103   420,307 4,517 SH   SOLE   0 0 4,517
ServiceNow, Inc. COM 81762p102   280,563 368 SH   SOLE   0 0 368
Siemens AG ADR COM 826197501   256,420 2,687 SH   SOLE   0 0 2,687
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   1,383,220 10,167 SH   SOLE   0 0 10,167
Technology Select Sector SPDR ETF COM 81369y803   528,173 2,536 SH   SOLE   0 0 2,536
United Microelectronics ADR COM 910873405   265,627 32,834 SH   SOLE   0 0 32,834
Vanguard Information Technology ETF COM 92204a702   2,760,237 5,264 SH   SOLE   0 0 5,264
Air Products & Chem COM 009158106   330,456 1,364 SH   SOLE   0 0 1,364
Albemarle Corp. COM 012653101   520,373 3,950 SH   SOLE   0 0 3,950
Amyris, Inc. COM 03236m200   63 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108   252,105 4,370 SH   SOLE   0 0 4,370
Ball Corp. COM 058498106   258,258 3,834 SH   SOLE   0 0 3,834
Corteva Inc. COM 22052l104   556,458 9,649 SH   SOLE   0 0 9,649
Dow Inc. COM 260557103   296,196 5,113 SH   SOLE   0 0 5,113
Gerdau SA ADR COM 373737105   148,892 33,686 SH   SOLE   0 0 33,686
Graphic Packaging Holding Company COM 388689101   2,573,676 88,200 SH   SOLE   0 0 88,200
International Paper COM 460146103   1,470,469 37,685 SH   SOLE   0 0 37,685
Linde PLC COM g54950103   241,446 520 SH   SOLE   0 0 520
Materials Select Sector SPDR ETF COM 81369y100   359,763 3,873 SH   SOLE   0 0 3,873
Mosaic Co. COM 61945c103   1,622,740 49,992 SH   SOLE   0 0 49,992
Nextracker Inc., Cl A COM 65290e101   1,448,446 25,741 SH   SOLE   0 0 25,741
Nucor Corp. COM 670346105   3,559,232 17,985 SH   SOLE   0 0 17,985
Rio Tinto PLC ADR F COM 767204100   604,765 9,488 SH   SOLE   0 0 9,488
Sherwin Williams Company COM 824348106   9,015,645 25,957 SH   SOLE   0 0 25,957
Sprott Physical Gold Trust COM 85207H104   325,603 18,821 SH   SOLE   0 0 18,821
Yara International ADR COM 984851204   233,203 14,769 SH   SOLE   0 0 14,769
AT&T Inc. COM 00206R102   496,639 28,218 SH   SOLE   0 0 28,218
Alphabet Inc., Cl. A COM 02079k305   15,846,895 104,995 SH   SOLE   0 0 104,995
Alphabet Inc., Cl. C COM 02079k107   2,252,540 14,794 SH   SOLE   0 0 14,794
Charter Communications, Inc. COM 16119p108   361,834 1,245 SH   SOLE   0 0 1,245
Comcast Corp., Cl. A COM 20030N101   210,811 4,863 SH   SOLE   0 0 4,863
Meta Platforms, Inc. COM 30303m102   10,173,387 20,951 SH   SOLE   0 0 20,951
Netflix Inc. COM 64110L106   413,592 681 SH   SOLE   0 0 681
Omnicom Group COM 681919106   2,353,106 24,319 SH   SOLE   0 0 24,319
T-Mobile US Inc. COM 872590104   3,567,663 21,858 SH   SOLE   0 0 21,858
Verizon Communications COM 92343V104   407,306 9,707 SH   SOLE   0 0 9,707
Vodafone Group PLC ADR COM 92857w308   175,116 19,676 SH   SOLE   0 0 19,676
Walt Disney Co COM 254687106   688,030 5,623 SH   SOLE   0 0 5,623
Allete, Inc. COM 018522300   1,512,053 25,353 SH   SOLE   0 0 25,353
Alliant Energy Corp. COM 018802108   1,546,675 30,688 SH   SOLE   0 0 30,688
Ameren Corp. COM 023608102   223,904 3,027 SH   SOLE   0 0 3,027
American States Water Co. COM 029899101   2,024,959 28,031 SH   SOLE   0 0 28,031
Black Hills Corp. COM 092113109   993,665 18,199 SH   SOLE   0 0 18,199
Duke Energy Corp COM 26441c204   320,116 3,310 SH   SOLE   0 0 3,310
Equinor ASA COM 29446m102   302,979 11,209 SH   SOLE   0 0 11,209
Eversource Energy Com. COM 30040w108   205,071 3,431 SH   SOLE   0 0 3,431
National Fuel Gas Co. COM 636180101   1,454,791 27,081 SH   SOLE   0 0 27,081
National Grid PLC ADR COM 636274409   304,807 4,468 SH   SOLE   0 0 4,468
NextEra Energy COM 65339F101   1,026,970 16,069 SH   SOLE   0 0 16,069
Southern Company COM 842587107   480,578 6,699 SH   SOLE   0 0 6,699
Veolia Environment ADR COM 92334n103   227,590 14,028 SH   SOLE   0 0 14,028
Vanguard S&P Mid-Cap 400 Index Fund - ETF COM 921932885   245,782 2,386 SH   SOLE   0 0 2,386
IShares US Real Estate ETF COM 464287739   338,563 3,766 SH   SOLE   0 0 3,766
First Trust Preferred Secs & Inc ETF COM 33739e108   176,501 10,191 SH   SOLE   0 0 10,191
Vanguard Small Cap Growth ETF COM 922908595   500,130 1,918 SH   SOLE   0 0 1,918
IShares Russell 2000 Index ETF COM 464287655   2,537,766 12,067 SH   SOLE   0 0 12,067
IShares S&P SmallCap 600 Index ETF COM 464287804   5,579,443 50,484 SH   SOLE   0 0 50,484
John Hancock Multifactor Mid Cap ETF COM 47804J206   617,983 10,770 SH   SOLE   0 0 10,770
Schwab Fundamental US Small Company ETF COM 808524763   315,333 5,529 SH   SOLE   0 0 5,529
Schwab Strategic US Small-Cap ETF COM 808524607   935,735 19,004 SH   SOLE   0 0 19,004
Vanguard Index Small Cap ETF COM 922908751   6,085,531 26,622 SH   SOLE   0 0 26,622
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   2,691,433 42,331 SH   SOLE   0 0 42,331
Avantis U.S. Small Cap Value - ETF COM 025072877   1,704,834 18,193 SH   SOLE   0 0 18,193
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   2,222,348 63,824 SH   SOLE   0 0 63,824
IShares Russell 2000 Value Index ETF COM 464287630   1,236,336 7,785 SH   SOLE   0 0 7,785
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   774,688 7,539 SH   SOLE   0 0 7,539
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   3,708,021 75,428 SH   SOLE   0 0 75,428
Vanguard Small Cap Value ETF COM 922908611   700,771 3,652 SH   SOLE   0 0 3,652
IShares Russell Midcap Growth Index ETF COM 464287481   238,324 2,088 SH   SOLE   0 0 2,088
Vanguard Mid-Cap Growth ETF COM 922908538   1,259,194 5,340 SH   SOLE   0 0 5,340
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,671,790 14,746 SH   SOLE   0 0 14,746
IShares Russell Midcap Index ETF COM 464287499   2,556,336 30,400 SH   SOLE   0 0 30,400
IShares S&P Midcap 400 Index ETF COM 464287507   3,496,744 57,569 SH   SOLE   0 0 57,569
SPDR S&P MidCap 400 ETF COM 78467y107   1,337,029 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   862,995 10,598 SH   SOLE   0 0 10,598
Vanguard Extended Market ETF COM 922908652   333,013 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   7,876,135 31,522 SH   SOLE   0 0 31,522
IShares Russell Midcap Value Index ETF COM 464287473   827,427 6,602 SH   SOLE   0 0 6,602
IShares S&P MidCap 400/Barra Value ETF COM 464287705   1,092,290 9,234 SH   SOLE   0 0 9,234
Pacer FDS TR Cash Cows - ETF COM 69374h659   205,057 5,219 SH   SOLE   0 0 5,219
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   8,864,239 152,542 SH   SOLE   0 0 152,542
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   882,999 11,240 SH   SOLE   0 0 11,240
Vanguard Mid-Cap Value ETF COM 922908512   1,414,100 9,070 SH   SOLE   0 0 9,070
Capital Group Growth - ETF COM 14020g101   2,697,460 84,322 SH   SOLE   0 0 84,322
FT CBOE Vest Fund of Buffer - ETF COM 33740f755   608,705 21,771 SH   SOLE   0 0 21,771
First Trust Dow Jones Internet ETF COM 33733e302   216,575 1,056 SH   SOLE   0 0 1,056
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   3,155,771 25,470 SH   SOLE   0 0 25,470
IShares MSCI USA Momentum Factor ETF COM 46432f396   4,877,657 26,035 SH   SOLE   0 0 26,035
IShares Russell 1000 Growth Index ETF COM 464287614   933,629 2,770 SH   SOLE   0 0 2,770
IShares S&P 500 Barra Growth Index ETF COM 464287309   300,015 3,553 SH   SOLE   0 0 3,553
JPMorgan Nasdaq Equity Premium Inc ETF COM 46654q203   254,952 4,700 SH   SOLE   0 0 4,700
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   820,010 10,750 SH   SOLE   0 0 10,750
Schwab US Large-Cap Growth ETF COM 808524300   1,095,023 11,810 SH   SOLE   0 0 11,810
Vanguard Growth ETF COM 922908736   3,007,667 8,738 SH   SOLE   0 0 8,738
Vanguard Mega Cap Growth ETF COM 921910816   429,342 1,498 SH   SOLE   0 0 1,498
Vanguard Russell 1000 Growth ETF COM 92206c680   3,791,292 43,744 SH   SOLE   0 0 43,744
Vanguard S&P 500 Growth ETF COM 921932505   6,070,194 19,921 SH   SOLE   0 0 19,921
iShares Russell Top 200 Growth ETF COM 464289438   3,459,123 17,730 SH   SOLE   0 0 17,730
American Centy ETF TR Avantis US Equity COM 025072885   996,293 11,132 SH   SOLE   0 0 11,132
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   813,379 8,196 SH   SOLE   0 0 8,196
First Trust Capital Strength ETF COM 33733E104   3,027,863 35,352 SH   SOLE   0 0 35,352
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   9,179,457 88,443 SH   SOLE   0 0 88,443
IShares - Russell 200 Index ETF COM 464289446   774,402 6,092 SH   SOLE   0 0 6,092
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,337,152 8,136 SH   SOLE   0 0 8,136
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,213,813 50,417 SH   SOLE   0 0 50,417
IShares Russell 1000 Index Fund ETF COM 464287622   936,834 3,253 SH   SOLE   0 0 3,253
IShares Russell 3000 Index ETF COM 464287689   4,368,865 14,559 SH   SOLE   0 0 14,559
IShares S&P 500 Index ETF COM 464287200   1,049,463 1,996 SH   SOLE   0 0 1,996
IShares Tr. S&P 1500 Index ETF COM 464287150   211,576 1,835 SH   SOLE   0 0 1,835
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   5,266,136 95,349 SH   SOLE   0 0 95,349
Invesco S&P 500 GARP - ETF COM 46137V431   7,024,350 65,963 SH   SOLE   0 0 65,963
Invesco S&P 500 Low Volatility ETF COM 46138e354   4,205,323 63,843 SH   SOLE   0 0 63,843
Invesco S&P 500 Quality ETF A COM 46137v241   12,311,306 203,762 SH   SOLE   0 0 203,762
JPMorgan Equity Focus - ETF COM 46654Q781   3,883,855 64,980 SH   SOLE   0 0 64,980
JPMorgan Equity Premium Income ETF COM 46641q332   739,655 12,784 SH   SOLE   0 0 12,784
SPDR S&P 500 ETF COM 78462F103   6,171,901 11,799 SH   SOLE   0 0 11,799
Schwab US Broad Market ETF COM 808524102   3,747,554 61,385 SH   SOLE   0 0 61,385
Schwab US Large-Cap ETF COM 808524201   1,025,359 16,522 SH   SOLE   0 0 16,522
VanEck Morningstar Wide Moat - ETF COM 92189f643   1,318,204 14,663 SH   SOLE   0 0 14,663
Vanguard Dividend Appreciation ETF COM 921908844   15,572,986 85,280 SH   SOLE   0 0 85,280
Vanguard ESG US Stock - ETF COM 921910733   738,251 7,922 SH   SOLE   0 0 7,922
Vanguard Large Cap ETF COM 922908637   797,202 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   14,011,326 74,979 SH   SOLE   0 0 74,979
Vanguard Russell 1000 ETF COM 92206c730   8,370,752 35,124 SH   SOLE   0 0 35,124
Vanguard Russell 3000 ETF COM 92206c599   578,906 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   5,354,660 11,139 SH   SOLE   0 0 11,139
Vanguard Total Stock Market ETF COM 922908769   23,844,524 91,745 SH   SOLE   0 0 91,745
WisdomTree US Quality Dividend Gr ETF COM 97717x669   283,808 3,725 SH   SOLE   0 0 3,725
Capital Group Dividend Value - ETF COM 14020w106   1,067,121 32,834 SH   SOLE   0 0 32,834
Dimensional US Marketwide Value - ETF COM 25434v724   388,509 9,499 SH   SOLE   0 0 9,499
First Trust Morningstar Div Leaders ETF COM 336917109   5,859,414 152,272 SH   SOLE   0 0 152,272
First Trust Rising Dividend Achievers ETF COM 33738r506   4,137,562 73,661 SH   SOLE   0 0 73,661
First Trust Value Line Dividend ETF COM 33734h106   3,559,300 84,284 SH   SOLE   0 0 84,284
IShares Core US Value ETF COM 464287663   1,000,719 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   342,100 1,910 SH   SOLE   0 0 1,910
IShares Select Dividend ETF COM 464287168   1,765,046 14,329 SH   SOLE   0 0 14,329
Invesco S&P 500 High Div/Low Volat. ETF COM 46138e362   218,004 4,910 SH   SOLE   0 0 4,910
Invesco S&P 500 Revenue ETF COM 46138g698   684,229 7,300 SH   SOLE   0 0 7,300
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   5,552,452 54,753 SH   SOLE   0 0 54,753
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,513,875 3,806 SH   SOLE   0 0 3,806
SPDR S&P Dividend ETF COM 78464a763   2,171,235 16,544 SH   SOLE   0 0 16,544
SPDR S&P Value ETF COM 78464a508   4,890,017 97,605 SH   SOLE   0 0 97,605
Schwab Fundamental US Broad Market ETF COM 808524789   702,049 10,595 SH   SOLE   0 0 10,595
Schwab US Div Equity ETF COM 808524797   14,809,661 183,674 SH   SOLE   0 0 183,674
T. Rowe Price Dividend Growth ETF COM 87283q404   937,346 24,667 SH   SOLE   0 0 24,667
Vanguard High Dividend Yield ETF COM 921946406   2,404,132 19,871 SH   SOLE   0 0 19,871
Vanguard Russell 1000 Value ETF COM 92206c714   1,016,579 12,927 SH   SOLE   0 0 12,927
Vanguard S&P 500 Value ETF COM 921932703   587,430 3,255 SH   SOLE   0 0 3,255
Vanguard Value ETF COM 922908744   1,121,987 6,889 SH   SOLE   0 0 6,889
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   542,075 7,509 SH   SOLE   0 0 7,509
Global X S&P 500 Catholic Values ETF COM 37954y889   230,377 3,620 SH   SOLE   0 0 3,620
Pacer Global Cash Cows Dividend ETF COM 69374h709   649,467 18,717 SH   SOLE   0 0 18,717
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   712,259 10,496 SH   SOLE   0 0 10,496
Avantis Emerging Markets Equity - ETF COM 025072604   202,860 3,500 SH   SOLE   0 0 3,500
WisdomTree International Hdgd Div Gr ETF COM 97717x594   1,169,969 25,467 SH   SOLE   0 0 25,467
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   3,259,266 95,050 SH   SOLE   0 0 95,050
IShares - MSCI ACWI ex US ETF COM 464288240   210,250 3,938 SH   SOLE   0 0 3,938
IShares MSCI EAFE ETF COM 464287465   314,109 3,933 SH   SOLE   0 0 3,933
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,547,715 26,389 SH   SOLE   0 0 26,389
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   563,591 11,234 SH   SOLE   0 0 11,234
Pacer FDS TR Developed Mrkts Int'l CC ETF COM 69374h873   1,736,445 54,349 SH   SOLE   0 0 54,349
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   397,548 12,685 SH   SOLE   0 0 12,685
SPDR S&P Emerging Markets ETF COM 78463x509   839,861 23,207 SH   SOLE   0 0 23,207
Vanguard Emerging Mkts. ETF COM 922042858   692,572 16,581 SH   SOLE   0 0 16,581
First TR Global Tactical Commodity ETF COM 33739h101   474,708 20,013 SH   SOLE   0 0 20,013
Ishares Bitcoin Trust COM 46438f101   338,127 8,355 SH   SOLE   0 0 8,355
SPDR Gold Shares ETF COM 78463v107   771,244 3,749 SH   SOLE   0 0 3,749
Ares RE Income Trust Class E COM 09186L100   166,172 21,185 SH   SOLE   0 0 21,185
Highlands REIT Inc. COM per431522   16,139 50,435 SH   SOLE   0 0 50,435