| COLUMN 1 | COLUMN 2 | COLUMN 3 | COLUMN 4 | COLUMN 5 | COLUMN 6 | COLUMN 7 | COLUMN 8 |
| | | VALUE | SHRS OR | SH/ | PUT/ | INVESTMENT | OTHER | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | (x$1000) | PRN AMT | PRN | CALL | DISCRETION | MANAGER | SOLE | SHARED | NONE |
| Barings Corporate Investors (M | BDFUND | 06759X107 | 6,361 | 417,686 | SH | | SOLE | | 208,843 | 0 | 208,843 |
| Barings Participation Inv (MPV | BDFUND | 06761A103 | 970 | 72,416 | SH | | SOLE | | 36,208 | 0 | 36,208 |
| IShares 0-5 Year Tips ETF (STI | BDFUND | 46429B747 | 3,730 | 35,540 | SH | | SOLE | | 17,770 | 0 | 17,770 |
| IShares Barclays MBS Bond ETF | BDFUND | 464288588 | 569 | 5,590 | SH | | SOLE | | 2,795 | 0 | 2,795 |
| IShares Core 1-5 Year Bond ETF | BDFUND | 46432F859 | 465 | 9,600 | SH | | SOLE | | 4,800 | 0 | 4,800 |
| IShares Dec 2023 Muni Bond ETF | BDFUND | 46435G318 | 1,317 | 51,700 | SH | | SOLE | | 25,850 | 0 | 25,850 |
| IShares Muni Bond 2024 ETF (IB | BDFUND | 46435U697 | 773 | 29,750 | SH | | SOLE | | 14,875 | 0 | 14,875 |
| Income Fund of America (AMECX) | BDFUND | 453320103 | 431 | 17,016 | SH | | SOLE | | 8,508 | 0 | 8,508 |
| Invesco Bullet Shares 2022 (BS | BDFUND | 46138J882 | 4,963 | 233,420 | SH | | SOLE | | 116,710 | 0 | 116,710 |
| Invesco Bulletshares 2023 Corp | BDFUND | 46138J866 | 6,439 | 305,150 | SH | | SOLE | | 152,575 | 0 | 152,575 |
| Invesco Bulletshares 2024 (BSC | BDFUND | 46138J841 | 5,678 | 269,480 | SH | | SOLE | | 134,740 | 0 | 134,740 |
| Invesco Bulletshares 2025 Corp | BDFUND | 46138J825 | 1,209 | 57,820 | SH | | SOLE | | 28,910 | 0 | 28,910 |
| Invesco Bulletshares 2026 Corp | BDFUND | 46138J791 | 410 | 20,540 | SH | | SOLE | | 10,270 | 0 | 10,270 |
| Metropolitan West Total Return | BDFUND | 592905103 | 360 | 35,359 | SH | | SOLE | | 17,680 | 0 | 17,680 |
| SPDR Int Corporate Bond ETF (S | BDFUND | 78464A375 | 1,438 | 42,120 | SH | | SOLE | | 21,060 | 0 | 21,060 |
| SPDR Inv't Grade Floating Rate | BDFUND | 78468R200 | 17,367 | 569,590 | SH | | SOLE | | 284,795 | 0 | 284,795 |
| SPDR Nuveen Barclays Shrt Term | BDFUND | 78468R739 | 3,804 | 80,374 | SH | | SOLE | | 40,187 | 0 | 40,187 |
| SPDR Nuveen Bloomberg Municipa | BDFUND | 78468R721 | 1,614 | 33,700 | SH | | SOLE | | 16,850 | 0 | 16,850 |
| SPDR ST Corp Bond ETF (SPSB) | BDFUND | 78464A474 | 513 | 17,020 | SH | | SOLE | | 8,510 | 0 | 8,510 |
| Schwab Aggregate Bond ETF (SCH | BDFUND | 808524839 | 6,152 | 121,650 | SH | | SOLE | | 60,825 | 0 | 60,825 |
| Schwab US Tips ETF (SCHP) | BDFUND | 808524870 | 8,136 | 134,020 | SH | | SOLE | | 67,010 | 0 | 67,010 |
| VanEck Vectors Shrt Mun ETF (S | BDFUND | 92189F528 | 1,404 | 82,100 | SH | | SOLE | | 41,050 | 0 | 41,050 |
| Vanguard Intermediate Corp Bon | BDFUND | 92206C870 | 13,424 | 156,022 | SH | | SOLE | | 78,011 | 0 | 78,011 |
| Vanguard ST Corp Bond ETF (VCS | BDFUND | 92206C409 | 35,237 | 451,242 | SH | | SOLE | | 225,621 | 0 | 225,621 |
| Vanguard Tax-Exempt Bond Index | BDFUND | 922907746 | 1,312 | 25,450 | SH | | SOLE | | 12,725 | 0 | 12,725 |
| iShares 1-5 yr Inv Grade Corp | BDFUND | 464288646 | 12,023 | 232,460 | SH | | SOLE | | 116,230 | 0 | 116,230 |
| iShares National Muni Bond (MU | BDFUND | 464288414 | 11,422 | 104,180 | SH | | SOLE | | 52,090 | 0 | 52,090 |
| iShares Short Term Nat'l Muni | BDFUND | 464288158 | 8,201 | 78,400 | SH | | SOLE | | 39,200 | 0 | 39,200 |
| iShares TIPS Bond Fund (TIP) | BDFUND | 464287176 | 6,484 | 52,048 | SH | | SOLE | | 26,024 | 0 | 26,024 |
| Healthpeak Prop (PEAK) | REIT | 42250P103 | 1,490 | 43,400 | SH | | SOLE | | 21,700 | 0 | 21,700 |
| Schwab REIT ETF (SCHH) | REIT | 808524847 | 1,354 | 54,400 | SH | | SOLE | | 27,200 | 0 | 27,200 |
| Vanguard REIT Index ETF (VNQ) | REIT | 922908553 | 1,217 | 11,230 | SH | | SOLE | | 5,615 | 0 | 5,615 |
| Weyerhauser (WY) | REIT | 962166104 | 3,809 | 100,490 | SH | | SOLE | | 50,245 | 0 | 50,245 |
| 3M Company (MMM) | COM | 88579Y101 | 1,066 | 7,160 | SH | | SOLE | | 3,580 | 0 | 3,580 |
| A F L A C Inc. (AFL) | COM | 001055102 | 1,275 | 19,800 | SH | | SOLE | | 9,900 | 0 | 9,900 |
| AT&T Inc. (T) | COM | 00206R102 | 1,001 | 42,360 | SH | | SOLE | | 21,180 | 0 | 21,180 |
| Abbott Laboratories (ABT) | COM | 002824100 | 3,682 | 31,112 | SH | | SOLE | | 15,556 | 0 | 15,556 |
| Abbvie Inc (ABBV) | COM | 00287Y109 | 2,887 | 17,807 | SH | | SOLE | | 8,903 | 0 | 8,903 |
| Accenture PLC (ACN) | COM | G1151C101 | 1,079 | 3,200 | SH | | SOLE | | 1,600 | 0 | 1,600 |
| Advanced Micro Devices Inc (AM | COM | 007903107 | 1,057 | 9,664 | SH | | SOLE | | 4,832 | 0 | 4,832 |
| Aerovironment (AVAV) | COM | 008073108 | 950 | 10,090 | SH | | SOLE | | 5,045 | 0 | 5,045 |
| Air Prod & Chemicals (APD) | COM | 009158106 | 461 | 1,844 | SH | | SOLE | | 922 | 0 | 922 |
| Alphabet Class A (GOOGL) | COM | 02079K305 | 1,680 | 604 | SH | | SOLE | | 302 | 0 | 302 |
| Alphabet Class C (GOOG) | COM | 02079K107 | 7,569 | 2,710 | SH | | SOLE | | 1,355 | 0 | 1,355 |
| Amazon Com Inc (AMZN) | COM | 023135106 | 6,722 | 2,062 | SH | | SOLE | | 1,031 | 0 | 1,031 |
| Amcor PLC ADR (AMCR) | COM | Q03080100 | 823 | 72,622 | SH | | SOLE | | 36,311 | 0 | 36,311 |
| Amgen Incorporated (AMGN) | COM | 031162100 | 474 | 1,960 | SH | | SOLE | | 980 | 0 | 980 |
| Apple Computer (AAPL) | COM | 037833100 | 16,606 | 95,103 | SH | | SOLE | | 47,551 | 0 | 47,551 |
| Auto Data Processing (ADP) | COM | 053015103 | 1,012 | 4,446 | SH | | SOLE | | 2,223 | 0 | 2,223 |
| Autodesk Inc. (ADSK) | COM | 052769106 | 2,306 | 10,760 | SH | | SOLE | | 5,380 | 0 | 5,380 |
| BWX Technologies (BWXT) | COM | 05605H100 | 617 | 11,450 | SH | | SOLE | | 5,725 | 0 | 5,725 |
| Bank of America Corp. (BAC) | COM | 060505104 | 948 | 22,996 | SH | | SOLE | | 11,498 | 0 | 11,498 |
| Bank of Montreal (BMO) | COM | 063671101 | 1,715 | 14,534 | SH | | SOLE | | 7,267 | 0 | 7,267 |
| Bank of New York (BK) | COM | 064058100 | 499 | 10,050 | SH | | SOLE | | 5,025 | 0 | 5,025 |
| Baxter Int'l (BAX) | COM | 071813109 | 433 | 5,580 | SH | | SOLE | | 2,790 | 0 | 2,790 |
| Becton Dickinson (BDX) | COM | 075887109 | 641 | 2,408 | SH | | SOLE | | 1,204 | 0 | 1,204 |
| Berkshire Hathaway Cl B (BRKB) | COM | 084670702 | 3,919 | 11,104 | SH | | SOLE | | 5,552 | 0 | 5,552 |
| Boeing Company (BA) | COM | 097023105 | 558 | 2,914 | SH | | SOLE | | 1,457 | 0 | 1,457 |
| Bristol-Myers Squibb (BMY) | COM | 110122108 | 1,584 | 21,684 | SH | | SOLE | | 10,842 | 0 | 10,842 |
| CSG Systems Int'l (CSGS) | COM | 126349109 | 1,130 | 17,770 | SH | | SOLE | | 8,885 | 0 | 8,885 |
| CVS Health Corp. (CVS) | COM | 126650100 | 3,336 | 32,966 | SH | | SOLE | | 16,483 | 0 | 16,483 |
| Canadian National Railway (CNI | COM | 136375102 | 463 | 3,450 | SH | | SOLE | | 1,725 | 0 | 1,725 |
| Carrier Global Corp (CARR) | COM | 14448C104 | 1,405 | 30,638 | SH | | SOLE | | 15,319 | 0 | 15,319 |
| Celanese (CE) | COM | 150870103 | 1,880 | 13,160 | SH | | SOLE | | 6,580 | 0 | 6,580 |
| Check Point Software Tech (CHK | COM | M22465104 | 2,747 | 19,870 | SH | | SOLE | | 9,935 | 0 | 9,935 |
| Chevron Corp (CVX) | COM | 166764100 | 3,037 | 18,652 | SH | | SOLE | | 9,326 | 0 | 9,326 |
| Chewy (CHWY) | COM | 16679L109 | 1,168 | 28,640 | SH | | SOLE | | 14,320 | 0 | 14,320 |
| Cincinnati Financial (CINF) | COM | 172062101 | 809 | 5,950 | SH | | SOLE | | 2,975 | 0 | 2,975 |
| Cisco Systems Inc. (CSCO) | COM | 17275R102 | 4,916 | 88,170 | SH | | SOLE | | 44,085 | 0 | 44,085 |
| Coca Cola Company (KO) | COM | 191216100 | 2,094 | 33,782 | SH | | SOLE | | 16,891 | 0 | 16,891 |
| Colgate-Palmolive Co. (CL) | COM | 194162103 | 1,128 | 14,878 | SH | | SOLE | | 7,439 | 0 | 7,439 |
| Comcast Corp NEW CL A (CMCSA) | COM | 20030N101 | 2,354 | 50,268 | SH | | SOLE | | 25,134 | 0 | 25,134 |
| Concentrix Corp (CNXC) | COM | 20602D101 | 816 | 4,900 | SH | | SOLE | | 2,450 | 0 | 2,450 |
| Constellation Brands (STZ) | COM | 21036P108 | 418 | 1,814 | SH | | SOLE | | 907 | 0 | 907 |
| Costco Wholesale (COST) | COM | 22160K105 | 445 | 772 | SH | | SOLE | | 386 | 0 | 386 |
| DR Horton (DHI) | COM | 23331a109 | 812 | 10,900 | SH | | SOLE | | 5,450 | 0 | 5,450 |
| Danaher Corp (DHR) | COM | 235851102 | 1,207 | 4,114 | SH | | SOLE | | 2,057 | 0 | 2,057 |
| Deere Co (DE) | COM | 244199105 | 458 | 1,102 | SH | | SOLE | | 551 | 0 | 551 |
| Disney Walt Hldg. Co. (DIS) | COM | 254687106 | 3,610 | 26,318 | SH | | SOLE | | 13,159 | 0 | 13,159 |
| Dominion Energy Inc (D) | COM | 25746U109 | 523 | 6,150 | SH | | SOLE | | 3,075 | 0 | 3,075 |
| Duke Energy Corp. (DUK) | COM | 26441C204 | 819 | 7,332 | SH | | SOLE | | 3,666 | 0 | 3,666 |
| ETFMG Prime Cyber Security ETF | COM | 26924G201 | 1,678 | 28,570 | SH | | SOLE | | 14,285 | 0 | 14,285 |
| Estee Lauder Companies, CL A ( | COM | 518439104 | 496 | 1,820 | SH | | SOLE | | 910 | 0 | 910 |
| Exact Sciences (EXAS) | COM | 30063P105 | 1,696 | 24,260 | SH | | SOLE | | 12,130 | 0 | 12,130 |
| Exxon Mobil (XOM) | COM | 30231G102 | 4,415 | 53,462 | SH | | SOLE | | 26,731 | 0 | 26,731 |
| Fastenal Company (FAST) | COM | 311900104 | 773 | 13,020 | SH | | SOLE | | 6,510 | 0 | 6,510 |
| General Electric Company (GE) | COM | 369604103 | 804 | 8,784 | SH | | SOLE | | 4,392 | 0 | 4,392 |
| General Mills, Inc. (GIS) | COM | 370334104 | 812 | 11,984 | SH | | SOLE | | 5,992 | 0 | 5,992 |
| General Motors New (GM) | COM | 37045V100 | 440 | 10,064 | SH | | SOLE | | 5,032 | 0 | 5,032 |
| Globalstar Inc. (GSAT) | COM | 378973408 | 279 | 190,130 | SH | | SOLE | | 95,065 | 0 | 95,065 |
| Graco Inc (GGG) | COM | 384109104 | 1,081 | 15,500 | SH | | SOLE | | 7,750 | 0 | 7,750 |
| Hamilton Beach Brands Cl A (HB | COM | 40701T104 | 787 | 67,646 | SH | | SOLE | | 33,823 | 0 | 33,823 |
| Hamilton Beach Brands Cl B Res | COM | 40701T203 | 808 | 69,452 | SH | | SOLE | | 34,726 | 0 | 34,726 |
| Hershey Company (HSY) | COM | 427866108 | 401 | 1,850 | SH | | SOLE | | 925 | 0 | 925 |
| Hologic Inc (HOLX) | COM | 436440101 | 2,028 | 26,396 | SH | | SOLE | | 13,198 | 0 | 13,198 |
| Home Depot Inc. (HD) | COM | 437076102 | 2,811 | 9,391 | SH | | SOLE | | 4,696 | 0 | 4,696 |
| Honeywell International (HON) | COM | 438516106 | 2,086 | 10,722 | SH | | SOLE | | 5,361 | 0 | 5,361 |
| Hormel Foods (HRL) | COM | 440452100 | 1,469 | 28,501 | SH | | SOLE | | 14,251 | 0 | 14,251 |
| Hyster-Yale Materials Handling | COM | 449172105 | 2,008 | 60,472 | SH | | SOLE | | 30,236 | 0 | 30,236 |
| Illinois Tool Works Inc (ITW) | COM | 452308109 | 1,380 | 6,590 | SH | | SOLE | | 3,295 | 0 | 3,295 |
| Illumina (ILMN) | COM | 452327109 | 513 | 1,468 | SH | | SOLE | | 734 | 0 | 734 |
| Intel Corp. (INTC) | COM | 458140100 | 3,994 | 80,588 | SH | | SOLE | | 40,294 | 0 | 40,294 |
| Intl Business Machines (IBM) | COM | 459200101 | 466 | 3,584 | SH | | SOLE | | 1,792 | 0 | 1,792 |
| Invesco Water Resource Port (P | COM | 46137V142 | 1,490 | 28,100 | SH | | SOLE | | 14,050 | 0 | 14,050 |
| J P Morgan Chase & Co (JPM) | COM | 46625H100 | 3,476 | 25,498 | SH | | SOLE | | 12,749 | 0 | 12,749 |
| J.M. Smuckers Co (SJM) | COM | 832696405 | 1,862 | 13,750 | SH | | SOLE | | 6,875 | 0 | 6,875 |
| Johnson & Johnson (JNJ) | COM | 478160104 | 5,196 | 29,320 | SH | | SOLE | | 14,660 | 0 | 14,660 |
| Kohlberg Kravis & Co (KKR) | COM | 48251W104 | 3,283 | 56,150 | SH | | SOLE | | 28,075 | 0 | 28,075 |
| Korn Ferry International (KFY) | COM | 500643200 | 659 | 10,150 | SH | | SOLE | | 5,075 | 0 | 5,075 |
| Kroger (KR) | COM | 501044101 | 441 | 7,690 | SH | | SOLE | | 3,845 | 0 | 3,845 |
| Landstar System (LSTR) | COM | 515098101 | 630 | 4,176 | SH | | SOLE | | 2,088 | 0 | 2,088 |
| LeMaitre Vascular (LMAT) | COM | 525558201 | 458 | 9,850 | SH | | SOLE | | 4,925 | 0 | 4,925 |
| Lilly Eli & Company (LLY) | COM | 532457108 | 2,805 | 9,796 | SH | | SOLE | | 4,898 | 0 | 4,898 |
| Lowes Companies Inc. (LOW) | COM | 548661107 | 659 | 3,260 | SH | | SOLE | | 1,630 | 0 | 1,630 |
| McDonalds Corp (MCD) | COM | 580135101 | 1,348 | 5,452 | SH | | SOLE | | 2,726 | 0 | 2,726 |
| Merck & Co Inc. (MRK) | COM | 589331107 | 2,300 | 28,032 | SH | | SOLE | | 14,016 | 0 | 14,016 |
| Microsoft Corp. (MSFT) | COM | 594918104 | 9,531 | 30,914 | SH | | SOLE | | 15,457 | 0 | 15,457 |
| Mondelez (MDLZ) | COM | 609207105 | 434 | 6,920 | SH | | SOLE | | 3,460 | 0 | 3,460 |
| Moodys Corp. (MCO) | COM | 615369105 | 641 | 1,900 | SH | | SOLE | | 950 | 0 | 950 |
| Morgan Stanley (MS) | COM | 617446448 | 521 | 5,962 | SH | | SOLE | | 2,981 | 0 | 2,981 |
| NVIDIA Corporation (NVDA) | COM | 67066G104 | 404 | 1,480 | SH | | SOLE | | 740 | 0 | 740 |
| Nacco Inds Inc CL A (NC) | COM | 629579103 | 1,011 | 25,776 | SH | | SOLE | | 12,888 | 0 | 12,888 |
| NextEra Energy (NEE) | COM | 65339F101 | 2,057 | 24,288 | SH | | SOLE | | 12,144 | 0 | 12,144 |
| Norfolk Southern Cop (NSC) | COM | 655844108 | 613 | 2,150 | SH | | SOLE | | 1,075 | 0 | 1,075 |
| Oracle Corp. (ORCL) | COM | 68389X105 | 1,450 | 17,524 | SH | | SOLE | | 8,762 | 0 | 8,762 |
| Otis Worldwide (OTIS) | COM | 68902V107 | 625 | 8,126 | SH | | SOLE | | 4,063 | 0 | 4,063 |
| PNC Financial Services (PNC) | COM | 693475105 | 497 | 2,694 | SH | | SOLE | | 1,347 | 0 | 1,347 |
| PayPal Holdings (PYPL) | COM | 70450Y103 | 512 | 4,424 | SH | | SOLE | | 2,212 | 0 | 2,212 |
| PepsiCo Inc. (PEP) | COM | 713448108 | 4,431 | 26,472 | SH | | SOLE | | 13,236 | 0 | 13,236 |
| Pfizer Inc (PFE) | COM | 717081103 | 3,412 | 65,901 | SH | | SOLE | | 32,950 | 0 | 32,950 |
| Phillips 66 (PSX) | COM | 718546104 | 1,577 | 18,256 | SH | | SOLE | | 9,128 | 0 | 9,128 |
| Procter & Gamble (PG) | COM | 742718109 | 3,480 | 22,774 | SH | | SOLE | | 11,387 | 0 | 11,387 |
| ROBO Gbl Robotics & Auto'n ETF | COM | 301505707 | 1,379 | 23,660 | SH | | SOLE | | 11,830 | 0 | 11,830 |
| Raytheon Technologies (RTX) | COM | 75513E101 | 3,321 | 33,520 | SH | | SOLE | | 16,760 | 0 | 16,760 |
| Regions Financial Corp (RF) | COM | 7591EP100 | 563 | 25,300 | SH | | SOLE | | 12,650 | 0 | 12,650 |
| Renewable Energy Group (REGI) | COM | 75972A301 | 465 | 7,670 | SH | | SOLE | | 3,835 | 0 | 3,835 |
| SYNNEX Corp (SNX) | COM | 87162W100 | 671 | 6,500 | SH | | SOLE | | 3,250 | 0 | 3,250 |
| Salesforce.com (CRM) | COM | 79466L302 | 1,116 | 5,256 | SH | | SOLE | | 2,628 | 0 | 2,628 |
| Scotts Company (SMG) | COM | 810186106 | 873 | 7,100 | SH | | SOLE | | 3,550 | 0 | 3,550 |
| Smith & Nephew (SNN) | COM | 83175M205 | 930 | 29,150 | SH | | SOLE | | 14,575 | 0 | 14,575 |
| Sonoco Products (SON) | COM | 835495102 | 2,033 | 32,500 | SH | | SOLE | | 16,250 | 0 | 16,250 |
| Southwest Airlines (LUV) | COM | 844741108 | 1,211 | 26,450 | SH | | SOLE | | 13,225 | 0 | 13,225 |
| Sprouts Farmers Markets (SFM) | COM | 85208M102 | 510 | 15,940 | SH | | SOLE | | 7,970 | 0 | 7,970 |
| Standard Motor Products (SMP) | COM | 853666105 | 664 | 15,402 | SH | | SOLE | | 7,701 | 0 | 7,701 |
| Starbucks Corp. (SBUX) | COM | 855244109 | 885 | 9,730 | SH | | SOLE | | 4,865 | 0 | 4,865 |
| State Street Corp (STT) | COM | 857477103 | 758 | 8,700 | SH | | SOLE | | 4,350 | 0 | 4,350 |
| Stryker Corp. (SYK) | COM | 863667101 | 687 | 2,570 | SH | | SOLE | | 1,285 | 0 | 1,285 |
| Sysco Corp. (SYY) | COM | 871829107 | 2,697 | 33,032 | SH | | SOLE | | 16,516 | 0 | 16,516 |
| T Rowe Price Group (TROW) | COM | 74144T108 | 958 | 6,336 | SH | | SOLE | | 3,168 | 0 | 3,168 |
| TJX Cos Inc (TJX) | COM | 872540109 | 3,503 | 57,822 | SH | | SOLE | | 28,911 | 0 | 28,911 |
| Taiwan Semiconductor ADRF Spon | COM | 874039100 | 1,470 | 14,100 | SH | | SOLE | | 7,050 | 0 | 7,050 |
| Target Corporation (TGT) | COM | 87612E106 | 3,176 | 14,964 | SH | | SOLE | | 7,482 | 0 | 7,482 |
| Tesla Inc (TSLA) | COM | 88160R101 | 987 | 916 | SH | | SOLE | | 458 | 0 | 458 |
| Texas Instruments Inc (TXN) | COM | 882508104 | 1,292 | 7,040 | SH | | SOLE | | 3,520 | 0 | 3,520 |
| The Blackstone Group (BX) | COM | 09260D107 | 746 | 5,880 | SH | | SOLE | | 2,940 | 0 | 2,940 |
| The Trade Desk Inc (TTD) | COM | 88339J105 | 956 | 13,800 | SH | | SOLE | | 6,900 | 0 | 6,900 |
| Trex Inc (TREX) | COM | 89531P105 | 1,921 | 29,400 | SH | | SOLE | | 14,700 | 0 | 14,700 |
| Truist Financial (TFC) | COM | 89832Q109 | 426 | 7,522 | SH | | SOLE | | 3,761 | 0 | 3,761 |
| Tyson Foods (TSN) | COM | 902494103 | 484 | 5,400 | SH | | SOLE | | 2,700 | 0 | 2,700 |
| US Bancorp (USB) | COM | 902973304 | 2,589 | 48,720 | SH | | SOLE | | 24,360 | 0 | 24,360 |
| Ulta Beauty (ULTA) | COM | 903845303 | 1,955 | 4,910 | SH | | SOLE | | 2,455 | 0 | 2,455 |
| Unilever PLC ADR New F (UL) | COM | 904767704 | 931 | 20,428 | SH | | SOLE | | 10,214 | 0 | 10,214 |
| Union Pacific Corp. (UNP) | COM | 907818108 | 919 | 3,364 | SH | | SOLE | | 1,682 | 0 | 1,682 |
| Unitedhealth Group Inc. (UNH) | COM | 91324P102 | 1,648 | 3,232 | SH | | SOLE | | 1,616 | 0 | 1,616 |
| Vericel (VCEL) | COM | 92346J108 | 440 | 11,520 | SH | | SOLE | | 5,760 | 0 | 5,760 |
| Verisk Analytics (VRSK) | COM | 92345Y106 | 2,627 | 12,240 | SH | | SOLE | | 6,120 | 0 | 6,120 |
| Verizon Communications (VZ) | COM | 92343V104 | 2,374 | 46,606 | SH | | SOLE | | 23,303 | 0 | 23,303 |
| Visa Inc (V) | COM | 92826C839 | 2,783 | 12,550 | SH | | SOLE | | 6,275 | 0 | 6,275 |
| WD 40 Co (WDFC) | COM | 929236107 | 1,905 | 10,396 | SH | | SOLE | | 5,198 | 0 | 5,198 |
| WalMart Inc. (WMT) | COM | 931142103 | 777 | 5,220 | SH | | SOLE | | 2,610 | 0 | 2,610 |
| Zimmer Biomet Holdings Inc. (Z | COM | 98956P102 | 719 | 5,618 | SH | | SOLE | | 2,809 | 0 | 2,809 |
| Zoetis Inc (ZTS) | COM | 98978V103 | 2,418 | 12,820 | SH | | SOLE | | 6,410 | 0 | 6,410 |
| IShares S&P 100 Index (OEF) | ETF | 464287101 | 928 | 4,450 | SH | | SOLE | | 2,225 | 0 | 2,225 |
| Invesco S&P 500 Equal Weighted | ETF | 46137V357 | 5,258 | 33,337 | SH | | SOLE | | 16,669 | 0 | 16,669 |
| Invesco S&P 500 Low Vol ETF (S | ETF | 46138E354 | 824 | 12,280 | SH | | SOLE | | 6,140 | 0 | 6,140 |
| Invesco SP500 Hi Div Low Vol ( | ETF | 46138E362 | 774 | 16,400 | SH | | SOLE | | 8,200 | 0 | 8,200 |
| SPDR S&P Dividend ETF (SDY) | ETF | 78464A763 | 942 | 7,350 | SH | | SOLE | | 3,675 | 0 | 3,675 |
| SPDR S&P Midcap 400 (MDY) | ETF | 78467Y107 | 17,811 | 36,316 | SH | | SOLE | | 18,158 | 0 | 18,158 |
| SPDR Trust S&P 500 (SPY) | ETF | 78462F103 | 1,364 | 3,021 | SH | | SOLE | | 1,511 | 0 | 1,511 |
| Schwab Large Cap Growth ETF (S | ETF | 808524300 | 10,981 | 146,761 | SH | | SOLE | | 73,380 | 0 | 73,380 |
| Schwab Large Cap US ETF (SCHX) | ETF | 808524201 | 4,501 | 83,580 | SH | | SOLE | | 41,790 | 0 | 41,790 |
| Schwab US Broad Market ETF (SC | ETF | 808524102 | 7,794 | 145,988 | SH | | SOLE | | 72,994 | 0 | 72,994 |
| Schwab US Dividend Equity (SCH | ETF | 808524797 | 4,754 | 60,260 | SH | | SOLE | | 30,130 | 0 | 30,130 |
| Schwab US Mid Cap ETF (SCHM) | ETF | 808524508 | 13,811 | 182,060 | SH | | SOLE | | 91,030 | 0 | 91,030 |
| Schwab US Small Cap ETF (SCHA) | ETF | 808524607 | 9,420 | 198,912 | SH | | SOLE | | 99,456 | 0 | 99,456 |
| Vanguard Extended Market Index | ETF | 922908652 | 2,074 | 12,520 | SH | | SOLE | | 6,260 | 0 | 6,260 |
| Vanguard High Dividend Yield E | ETF | 921946406 | 504 | 4,490 | SH | | SOLE | | 2,245 | 0 | 2,245 |
| Vanguard Mid Cap ETF (VO) | ETF | 922908629 | 785 | 3,300 | SH | | SOLE | | 1,650 | 0 | 1,650 |
| Vanguard S&P 500 ETF (VOO) | ETF | 922908363 | 11,218 | 27,020 | SH | | SOLE | | 13,510 | 0 | 13,510 |
| Vanguard Small Cap Growth (VBK | ETF | 922908595 | 3,350 | 13,500 | SH | | SOLE | | 6,750 | 0 | 6,750 |
| iShares S&P US Preferred Stock | ETF | 464288687 | 5,338 | 146,560 | SH | | SOLE | | 73,280 | 0 | 73,280 |
| Emerging Markets Internet/Ecom | ETF | 301505889 | 583 | 17,800 | SH | | SOLE | | 8,900 | 0 | 8,900 |
| IShares Min Volatility EAFE In | ETF | 43429B689 | 670 | 9,290 | SH | | SOLE | | 4,645 | 0 | 4,645 |
| IShares S&P Global 100 ETF (IO | ETF | 464287572 | 1,844 | 24,250 | SH | | SOLE | | 12,125 | 0 | 12,125 |
| Ishares Int'l Select Dividend | ETF | 464288448 | 661 | 20,810 | SH | | SOLE | | 10,405 | 0 | 10,405 |
| Ishares MSCI Ireland ETF (EIRL | ETF | 46429B507 | 802 | 16,790 | SH | | SOLE | | 8,395 | 0 | 8,395 |
| SPDR International Dividend ET | ETF | 78463X772 | 594 | 15,328 | SH | | SOLE | | 7,664 | 0 | 7,664 |
| Schwab Emerging Markets ETF (S | ETF | 808524706 | 4,021 | 144,800 | SH | | SOLE | | 72,400 | 0 | 72,400 |
| Schwab International Equity ET | ETF | 808524805 | 15,155 | 412,710 | SH | | SOLE | | 206,355 | 0 | 206,355 |
| Vanguard Total World Stock Mar | ETF | 922042742 | 713 | 7,040 | SH | | SOLE | | 3,520 | 0 | 3,520 |
| iShares MSCI Canada Index Fund | ETF | 464286509 | 594 | 14,780 | SH | | SOLE | | 7,390 | 0 | 7,390 |
| iShares TR MSCI EAFE Fd (EFA) | ETF | 464287465 | 2,950 | 40,081 | SH | | SOLE | | 20,040 | 0 | 20,040 |
