Cozad Asset Management 13F-HR Quarterly holdings report by institutional manager

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
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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
3M Company	COM	88579y101	366	2,460	SH		SOLE		0	0	2,460
ABB Ltd. Sponsored ADR	COM	000375204	271	8,379	SH		SOLE		0	0	8,379
Abbott Laboratories	COM	002824100	1,927	16,279	SH		SOLE		0	0	16,279
AbbVie, Inc.	COM	00287y109	3,170	19,557	SH		SOLE		0	0	19,557
Adobe Systems, Inc.	COM	00724F101	399	876	SH		SOLE		0	0	876
AFLAC, Inc.	COM	001055102	1,081	16,788	SH		SOLE		0	0	16,788
AGNC Investment Corp	COM	00123q104	817	62,370	SH		SOLE		0	0	62,370
Air Products & Chem	COM	009158106	385	1,541	SH		SOLE		0	0	1,541
Allstate Corp.	COM	020002101	1,546	11,164	SH		SOLE		0	0	11,164
Alphabet Inc., Cl. A	COM	02079k305	13,320	4,789	SH		SOLE		0	0	4,789
Alphabet Inc., Cl. C	COM	02079k107	2,078	744	SH		SOLE		0	0	744
ALPS Sector Dividend Dogs ETF	COM	00162q858	213	3,875	SH		SOLE		0	0	3,875
Altria Group, Inc.	COM	02209S103	874	16,725	SH		SOLE		0	0	16,725
Amazon.Com Inc.	COM	023135106	11,508	3,530	SH		SOLE		0	0	3,530
Ameren Corp.	COM	023608102	300	3,196	SH		SOLE		0	0	3,196
American Electric Power	COM	025537101	236	2,366	SH		SOLE		0	0	2,366
American Express	COM	025816109	252	1,350	SH		SOLE		0	0	1,350
American States Water Co.	COM	029899101	2,112	23,728	SH		SOLE		0	0	23,728
American Tower Corp.	COM	03027x100	435	1,730	SH		SOLE		0	0	1,730
Amgen, Inc.	COM	031162100	328	1,357	SH		SOLE		0	0	1,357
Amyris, Inc.	COM	03236m200	46	10,450	SH		SOLE		0	0	10,450
Annaly Capital Mgmt Inc.	COM	035710409	998	141,777	SH		SOLE		0	0	141,777
Apartment Income REIT Corp.	COM	03750l109	1,475	27,596	SH		SOLE		0	0	27,596
Apartment Invt. & Mgmt Co. (AIMCO)	COM	03748r747	202	27,596	SH		SOLE		0	0	27,596
Apple Inc.	COM	037833100	25,545	146,297	SH		SOLE		0	0	146,297
Applied Materials	COM	038222105	550	4,174	SH		SOLE		0	0	4,174
Archer Daniels Midland	COM	039483102	12,194	135,097	SH		SOLE		0	0	135,097
Arrow Electronics	COM	042735100	770	6,490	SH		SOLE		0	0	6,490
ASE Technology Holding Co., Ltd.	COM	00215w100	71	10,000	SH		SOLE		0	0	10,000
AstraZeneca PLC ADR	COM	046353108	499	7,528	SH		SOLE		0	0	7,528
AT&T Inc.	COM	00206R102	759	32,103	SH		SOLE		0	0	32,103
Autodesk	COM	052769106	208	970	SH		SOLE		0	0	970
Automatic Data Processing	COM	053015103	1,034	4,546	SH		SOLE		0	0	4,546
AutoZone, Inc.	COM	053332102	591	289	SH		SOLE		0	0	289
Avis Budget Group, Inc.	COM	053774105	542	2,060	SH		SOLE		0	0	2,060
Ball Corp.	COM	058498106	377	4,184	SH		SOLE		0	0	4,184
Bank of America	COM	060505104	365	8,865	SH		SOLE		0	0	8,865
Bank of Montreal	COM	063671101	397	3,364	SH		SOLE		0	0	3,364
Baxter International	COM	071813109	206	2,655	SH		SOLE		0	0	2,655
BCE Inc.	COM	05534b760	219	3,943	SH		SOLE		0	0	3,943
Becton Dickinson & Co.	COM	075887109	707	2,657	SH		SOLE		0	0	2,657
Berkshire Hathaway, Cl. B	COM	084670702	4,573	12,957	SH		SOLE		0	0	12,957
BHP Billiton, Ltd. ADR	COM	088606108	365	4,726	SH		SOLE		0	0	4,726
Black Hills Corp.	COM	092113109	1,402	18,199	SH		SOLE		0	0	18,199
Blackstone Group Inc. Cl. A	COM	09260d107	11,476	90,402	SH		SOLE		0	0	90,402
BP Amoco PLC ADR	COM	055622104	961	32,681	SH		SOLE		0	0	32,681
Bristol-Myers Squibb	COM	110122108	574	7,854	SH		SOLE		0	0	7,854
Broadcom Inc.	COM	11135f101	11,124	17,666	SH		SOLE		0	0	17,666
Canadian Imperial Bank of Commerce	COM	136069101	263	2,158	SH		SOLE		0	0	2,158
Cardinal Health	COM	14149y108	1,652	29,140	SH		SOLE		0	0	29,140
Caterpillar Inc.	COM	149123101	737	3,309	SH		SOLE		0	0	3,309
Celanese Corp.	COM	150870103	1,652	11,565	SH		SOLE		0	0	11,565
Cellectar Biosciences, Inc.	COM	15117f500	39	56,000	SH		SOLE		0	0	56,000
Charles Schwab Corp.	COM	808513105	743	8,808	SH		SOLE		0	0	8,808
Charter Communications, Inc.	COM	16119p108	5,343	9,794	SH		SOLE		0	0	9,794
Chevron Corp.	COM	166764100	743	4,565	SH		SOLE		0	0	4,565
Chipotle Mexican Grill, A	COM	169656105	7,417	4,688	SH		SOLE		0	0	4,688
Cisco Systems	COM	17275r102	547	9,806	SH		SOLE		0	0	9,806
Citigroup	COM	172967424	2,155	40,352	SH		SOLE		0	0	40,352
Citizens Financial Group	COM	174610105	1,785	39,382	SH		SOLE		0	0	39,382
Clorox Co.	COM	189054109	1,232	8,862	SH		SOLE		0	0	8,862
Coca Cola	COM	191216100	3,129	50,464	SH		SOLE		0	0	50,464
Coca Cola European Partners PLC	COM	g25839104	222	4,562	SH		SOLE		0	0	4,562
Colgate Palmolive Co.	COM	194162103	529	6,977	SH		SOLE		0	0	6,977
Comcast Corp., Cl. A	COM	20030N101	765	16,332	SH		SOLE		0	0	16,332
ConocoPhillips	COM	20825C104	472	4,722	SH		SOLE		0	0	4,722
Constellation Brands, Inc.	COM	21036p108	568	2,466	SH		SOLE		0	0	2,466
Copart, Inc.	COM	217204106	477	3,805	SH		SOLE		0	0	3,805
Costco Wholesale Corp.	COM	22160K105	10,694	18,571	SH		SOLE		0	0	18,571
Crown Castle Int'l. Corp.	COM	22822v101	2,156	11,677	SH		SOLE		0	0	11,677
CSX Corp.	COM	126408103	281	7,509	SH		SOLE		0	0	7,509
Cummins Engine Inc.	COM	231021106	372	1,812	SH		SOLE		0	0	1,812
CVS Health Corp.	COM	126650100	11,327	111,912	SH		SOLE		0	0	111,912
Danaher Corp.	COM	235851102	615	2,098	SH		SOLE		0	0	2,098
Debt Resolve Inc.	COM	24276r206	0	100,000	SH		SOLE		0	0	100,000
Deere & Co.	COM	244199105	7,792	18,755	SH		SOLE		0	0	18,755
Diageo PLC ADR	COM	25243Q205	319	1,569	SH		SOLE		0	0	1,569
Digital Realty Trust Inc.	COM	253868103	1,803	12,716	SH		SOLE		0	0	12,716
Discover Financial Services, Inc.	COM	254709108	234	2,121	SH		SOLE		0	0	2,121
Dollar Tree, Inc.	COM	256746108	200	1,249	SH		SOLE		0	0	1,249
Dominos Pizza, Inc.	COM	25754a201	297	730	SH		SOLE		0	0	730
DTE Energy	COM	233331107	1,880	14,221	SH		SOLE		0	0	14,221
Duke Energy Corp	COM	26441c204	309	2,769	SH		SOLE		0	0	2,769
Eaton Corp., PLC	COM	g29183103	441	2,908	SH		SOLE		0	0	2,908
Eaton Vance Municipal Income TR	COM	27826u108	196	16,584	SH		SOLE		0	0	16,584
Edwards Lifesciences Corp.	COM	28176E108	394	3,351	SH		SOLE		0	0	3,351
Elevance Health	COM	036752103	2,207	4,494	SH		SOLE		0	0	4,494
Emerson Electric Co.	COM	291011104	444	4,524	SH		SOLE		0	0	4,524
Enbridge Inc.	COM	29250n105	2,762	59,931	SH		SOLE		0	0	59,931
Energy Select Sector SPDR ETF	COM	81369y506	485	6,346	SH		SOLE		0	0	6,346
Equinor ASA	COM	29446m102	382	10,181	SH		SOLE		0	0	10,181
Essentials Utilities Inc.	COM	29670g102	1,202	23,514	SH		SOLE		0	0	23,514
Estee Lauder Co.	COM	518439104	3,518	12,918	SH		SOLE		0	0	12,918
Eversource Energy Com.	COM	30040w108	303	3,431	SH		SOLE		0	0	3,431
Exxon Mobil Corp.	COM	30231G102	928	11,239	SH		SOLE		0	0	11,239
Fedex Corp.	COM	31428X106	286	1,234	SH		SOLE		0	0	1,234
Fidelity National Financial, Inc.	COM	31620R303	2,003	41,020	SH		SOLE		0	0	41,020
Fidelity National Information Services	COM	31620m106	2,934	29,215	SH		SOLE		0	0	29,215
Fifth Third Bancorp	COM	316773100	1,424	33,092	SH		SOLE		0	0	33,092
Financial Select Sector SPDR ETF	COM	81369y605	282	7,359	SH		SOLE		0	0	7,359
First Busey Corp.	COM	319383204	939	37,071	SH		SOLE		0	0	37,071
First Solar, Inc.	COM	336433107	1,127	13,462	SH		SOLE		0	0	13,462
First TR Global Tactical Commodity ETF	COM	33739h101	1,092	38,423	SH		SOLE		0	0	38,423
First Tr Large Cap Core AlphaDex Fd ETF	COM	33734k109	598	6,770	SH		SOLE		0	0	6,770
First Tr TCW Opportunistic Fixed Inc ETF	COM	33740f805	1,396	28,158	SH		SOLE		0	0	28,158
First Trust Capital Strength ETF	COM	33733E104	3,374	43,143	SH		SOLE		0	0	43,143
First Trust Dow Jones Internet ETF	COM	33733e302	530	2,823	SH		SOLE		0	0	2,823
First Trust ETF Clean Edge Green Energy In	COM	33733e500	496	7,678	SH		SOLE		0	0	7,678
First Trust Lunt U.S. Factor Rotation ETF	COM	33733e872	1,376	42,020	SH		SOLE		0	0	42,020
First Trust Managed Municipal ETF	COM	33739n108	416	7,841	SH		SOLE		0	0	7,841
First Trust Mid Cap Core AlphaDEX ETF	COM	33735b108	1,307	13,322	SH		SOLE		0	0	13,322
First Trust Morningstar Div Leaders ETF	COM	336917109	5,330	142,354	SH		SOLE		0	0	142,354
First Trust NASDAQ-100 Equal Wtd ETF	COM	337344105	2,497	23,276	SH		SOLE		0	0	23,276
First Trust NYSE Arca Biotech ETF	COM	33733e203	357	2,395	SH		SOLE		0	0	2,395
First Trust Preferred Secs & Inc ETF	COM	33739e108	1,109	58,312	SH		SOLE		0	0	58,312
First Trust Rising Dividend Achievers ETF	COM	33738r506	4,123	84,147	SH		SOLE		0	0	84,147
First Trust Senior Loan Fund ETF	COM	33738d309	608	12,931	SH		SOLE		0	0	12,931
First Trust SMID Cap Rising Div Achv ETF	COM	33741x102	1,739	62,412	SH		SOLE		0	0	62,412
First Trust Value Line Dividend ETF	COM	33734h106	4,180	98,817	SH		SOLE		0	0	98,817
First Trust Water ETF	COM	33733b100	219	2,598	SH		SOLE		0	0	2,598
Fiserv, Inc.	COM	337738108	6,129	60,441	SH		SOLE		0	0	60,441
FlexShares Quality Dividend ETF	COM	33939l860	299	5,040	SH		SOLE		0	0	5,040
Ford Motor Company	COM	345370860	285	16,865	SH		SOLE		0	0	16,865
Gallagher, Arthur J & Co.	COM	363576109	419	2,400	SH		SOLE		0	0	2,400
Garmin Ltd.	COM	h2906t109	2,528	21,315	SH		SOLE		0	0	21,315
General Mills	COM	370334104	1,761	26,007	SH		SOLE		0	0	26,007
Genuine Parts Co.	COM	372460105	2,072	16,441	SH		SOLE		0	0	16,441
Gerdau SA ADR	COM	373737105	319	49,650	SH		SOLE		0	0	49,650
GlaxoSmithKline PLC	COM	37733W105	394	9,045	SH		SOLE		0	0	9,045
Goldman Sachs ActiveBeta Emerging Mkts ETF	COM	381430206	808	23,850	SH		SOLE		0	0	23,850
Goldman Sachs ActiveBeta Int'l Eq ETF	COM	381430107	2,100	64,170	SH		SOLE		0	0	64,170
Goldman Sachs ActiveBeta US LargeCp Eq ETF	COM	381430503	4,854	54,514	SH		SOLE		0	0	54,514
H&E Equipment Services, Inc.	COM	404030108	2,446	56,196	SH		SOLE		0	0	56,196
Halliburton Co.	COM	406216101	275	7,255	SH		SOLE		0	0	7,255
Hanes Brands, Inc.	COM	410345102	995	66,803	SH		SOLE		0	0	66,803
HCA Healthcare Co.	COM	40412c101	8,650	34,514	SH		SOLE		0	0	34,514
Health Care Select Sector SPDR ETF	COM	81369y209	363	2,649	SH		SOLE		0	0	2,649
Hewlett Packard Enterprise Co.	COM	42824c109	1,922	115,017	SH		SOLE		0	0	115,017
Hologic, Inc.	COM	436440101	1,625	21,150	SH		SOLE		0	0	21,150
Home Depot, Inc.	COM	437076102	8,089	27,023	SH		SOLE		0	0	27,023
Honeywell Internat'l.	COM	438516106	434	2,232	SH		SOLE		0	0	2,232
Horizon Pharma PLC	COM	g46188101	3,891	36,980	SH		SOLE		0	0	36,980
Hormel Foods Corp.	COM	440452100	281	5,450	SH		SOLE		0	0	5,450
I.B.M.	COM	459200101	327	2,515	SH		SOLE		0	0	2,515
Illinois Tool Works	COM	452308109	838	4,001	SH		SOLE		0	0	4,001
Industrial Select Sector SPDR ETF	COM	81369y704	480	4,663	SH		SOLE		0	0	4,663
Infosys Technologies, Ltd.	COM	456788108	483	19,402	SH		SOLE		0	0	19,402
Intel Corp.	COM	458140100	632	12,750	SH		SOLE		0	0	12,750
Intercontinental Exchange Group	COM	45866f104	9,540	72,204	SH		SOLE		0	0	72,204
Invesco BulletShares 2024 Corp Bond ETF	COM	46138j841	457	21,673	SH		SOLE		0	0	21,673
Invesco BulletShares 2025 Corp Bond ETF	COM	46138j825	452	21,633	SH		SOLE		0	0	21,633
Invesco QQQ Tr Unit Ser. 1 ETF	COM	46090e103	3,168	8,739	SH		SOLE		0	0	8,739
Invesco Russell 1000 Dynamic Multi ETF	COM	46138j619	1,892	39,758	SH		SOLE		0	0	39,758
Invesco S&P 500 Low Volatility ETF	COM	46138e354	2,342	34,911	SH		SOLE		0	0	34,911
Invesco S&P 500 Pure Value ETF	COM	46137v258	234	2,735	SH		SOLE		0	0	2,735
Invesco S&P 500 Quality ETF A	COM	46137v241	7,240	145,069	SH		SOLE		0	0	145,069
Invesco S&P 500 Revenue ETF	COM	46138g698	593	7,350	SH		SOLE		0	0	7,350
IShares Cohen & Steers REIT ETF	COM	464287564	336	4,727	SH		SOLE		0	0	4,727
IShares Core US Value ETF	COM	464287663	840	11,065	SH		SOLE		0	0	11,065
IShares Edge MSCI USA Quality Factor ETF	COM	46432f339	1,363	10,122	SH		SOLE		0	0	10,122
IShares MSCI EAFE ETF	COM	464287465	631	8,567	SH		SOLE		0	0	8,567
IShares MSCI USA Minimum Volatility ETF	COM	46429b697	4,012	51,725	SH		SOLE		0	0	51,725
IShares MSCI USA Momentum Factor ETF	COM	46432f396	4,406	26,185	SH		SOLE		0	0	26,185
IShares Residential Real Estate Capped ETF	COM	464288562	658	6,862	SH		SOLE		0	0	6,862
IShares Russell 1000 Growth Index ETF	COM	464287614	667	2,404	SH		SOLE		0	0	2,404
IShares Russell 1000 Index Fund ETF	COM	464287622	868	3,472	SH		SOLE		0	0	3,472
IShares Russell 1000 Value Index ETF	COM	464287598	277	1,670	SH		SOLE		0	0	1,670
IShares Russell 2000 Index ETF	COM	464287655	3,467	16,888	SH		SOLE		0	0	16,888
IShares Russell 2000 Value Index ETF	COM	464287630	634	3,930	SH		SOLE		0	0	3,930
IShares Russell 3000 Index ETF	COM	464287689	4,158	15,847	SH		SOLE		0	0	15,847
IShares Russell Midcap Growth Index ETF	COM	464287481	240	2,388	SH		SOLE		0	0	2,388
IShares Russell Midcap Index ETF	COM	464287499	2,198	28,165	SH		SOLE		0	0	28,165
IShares Russell Midcap Value Index ETF	COM	464287473	4,405	36,816	SH		SOLE		0	0	36,816
iShares Russell Top 200 Growth ETF	COM	464289438	649	4,083	SH		SOLE		0	0	4,083
IShares S&P 500 Index ETF	COM	464287200	430	948	SH		SOLE		0	0	948
IShares S&P Midcap 400 Index ETF	COM	464287507	2,773	10,333	SH		SOLE		0	0	10,333
IShares S&P MidCap 400/Barra Value ETF	COM	464287705	1,864	17,005	SH		SOLE		0	0	17,005
IShares S&P SmallCap 600 Barra Value ETF	COM	464287879	851	8,309	SH		SOLE		0	0	8,309
IShares S&P SmallCap 600 Index ETF	COM	464287804	3,204	29,702	SH		SOLE		0	0	29,702
IShares Select Dividend ETF	COM	464287168	1,393	10,873	SH		SOLE		0	0	10,873
IShares TR Core 1-5yr Bond ETF	COM	46432f859	954	19,695	SH		SOLE		0	0	19,695
IShares TR Edge MSCI USA Value Factor ETF	COM	46432f388	603	5,765	SH		SOLE		0	0	5,765
IShares Tr. S&P 1500 Index ETF	COM	464287150	295	2,920	SH		SOLE		0	0	2,920
IShares US Healthcare ETF	COM	464287762	683	2,365	SH		SOLE		0	0	2,365
IShares US Real Estate ETF	COM	464287739	382	3,531	SH		SOLE		0	0	3,531
Isuzu Motors Ltd.	COM	465254209	211	16,319	SH		SOLE		0	0	16,319
J.P. Morgan Chase & Co.	COM	46625H100	1,353	9,924	SH		SOLE		0	0	9,924
Jabil Circuit, Inc.	COM	466313103	2,011	32,580	SH		SOLE		0	0	32,580
Jacobs Engineering Group, Inc.	COM	469814107	2,970	21,550	SH		SOLE		0	0	21,550
Johnson & Johnson	COM	478160104	2,423	13,674	SH		SOLE		0	0	13,674
JPMorgan Ultra-Short Income ETF	COM	46641q837	1,291	25,675	SH		SOLE		0	0	25,675
Kimberly Clark Corp	COM	494368103	1,505	12,218	SH		SOLE		0	0	12,218
Knight-Swift Transportation Holdings, Inc.	COM	499049104	556	11,020	SH		SOLE		0	0	11,020
Kraft Heinz Co.	COM	500754106	1,578	40,073	SH		SOLE		0	0	40,073
Kronos Worldwide, Inc.	COM	50105f105	1,667	107,389	SH		SOLE		0	0	107,389
L3Harris Technologies	COM	502431109	356	1,431	SH		SOLE		0	0	1,431
Laboratory Corp. Am. Hldgs.	COM	50540r409	392	1,485	SH		SOLE		0	0	1,485
LAM Research Corp.	COM	512807108	7,150	13,300	SH		SOLE		0	0	13,300
Lear Corp.	COM	521865204	1,527	10,710	SH		SOLE		0	0	10,710
Leidos Holdings, Inc.	COM	525327102	2,811	26,026	SH		SOLE		0	0	26,026
Lilly (Eli)	COM	532457108	804	2,809	SH		SOLE		0	0	2,809
Linde PLC	COM	g5494j103	259	811	SH		SOLE		0	0	811
Lockheed Martin Corp.	COM	539830109	344	780	SH		SOLE		0	0	780
Logitech Internat'l. SA	COM	H50430232	552	7,480	SH		SOLE		0	0	7,480
Lowe's Cos	COM	548661107	2,909	14,389	SH		SOLE		0	0	14,389
Marathon Petroleum Corp.	COM	56585a102	419	4,903	SH		SOLE		0	0	4,903
Masco Corp.	COM	574599106	333	6,538	SH		SOLE		0	0	6,538
MasterCard, Inc.	COM	57636q104	8,587	24,027	SH		SOLE		0	0	24,027
Materials Select Sector SPDR ETF	COM	81369y100	611	6,935	SH		SOLE		0	0	6,935
McDonalds Corp.	COM	580135101	1,618	6,542	SH		SOLE		0	0	6,542
MercadoLibre Inc.	COM	58733r102	260	219	SH		SOLE		0	0	219
Merck & Co Inc.	COM	58933y105	3,658	44,579	SH		SOLE		0	0	44,579
Meta Platforms, Inc.	COM	30303m102	7,300	32,831	SH		SOLE		0	0	32,831
Microchip Technology, Inc.	COM	595017104	7,514	100,006	SH		SOLE		0	0	100,006
Micron Technology, Inc.	COM	595112103	5,899	75,730	SH		SOLE		0	0	75,730
Microport Scientific Corp.	COM	g60837104	1,110	504,670	SH		SOLE		0	0	504,670
Microsoft Corporation	COM	594918104	6,241	20,242	SH		SOLE		0	0	20,242
Mitsubishi UFJ Fin'l. Grp. ADR	COM	606822104	133	21,490	SH		SOLE		0	0	21,490
Moderna Inc.	COM	60770k107	291	1,687	SH		SOLE		0	0	1,687
Mondelez International, Inc.	COM	609207105	829	13,205	SH		SOLE		0	0	13,205
Monster Beverage Corp.	COM	61174x109	721	9,020	SH		SOLE		0	0	9,020
Moody's Corp.	COM	615369105	263	780	SH		SOLE		0	0	780
Morgan Stanley	COM	617446448	263	3,010	SH		SOLE		0	0	3,010
Mosaic Co.	COM	61945c103	5,365	80,681	SH		SOLE		0	0	80,681
Mowi ASA ADR	COM	624678108	301	11,192	SH		SOLE		0	0	11,192
National Grid PLC ADR	COM	636274409	336	4,369	SH		SOLE		0	0	4,369
Nestle SA ADR	COM	641069406	281	2,162	SH		SOLE		0	0	2,162
Newell Rubbermaid Inc.	COM	651229106	878	41,000	SH		SOLE		0	0	41,000
NextEra Energy	COM	65339F101	1,304	15,395	SH		SOLE		0	0	15,395
Nike, Inc.	COM	654106103	302	2,248	SH		SOLE		0	0	2,248
Norfolk Southern Corp.	COM	655844108	317	1,111	SH		SOLE		0	0	1,111
Northrop Grumman	COM	666807102	268	599	SH		SOLE		0	0	599
Novartis AG ADR	COM	66987v109	307	3,498	SH		SOLE		0	0	3,498
Novo Nordisk A.S. ADR	COM	670100205	601	5,414	SH		SOLE		0	0	5,414
Nucor Corp.	COM	670346105	3,579	24,079	SH		SOLE		0	0	24,079
Nvidia Corp.	COM	67066g104	12,196	44,695	SH		SOLE		0	0	44,695
Old Dominion Freight Line, Inc.	COM	679580100	789	2,640	SH		SOLE		0	0	2,640
Old Republic Nat'l. Corp.	COM	680223104	1,806	69,803	SH		SOLE		0	0	69,803
Oracle Corp	COM	68389X105	853	10,305	SH		SOLE		0	0	10,305
Orange	COM	684060106	216	18,240	SH		SOLE		0	0	18,240
Owens Corning	COM	690742101	2,491	27,220	SH		SOLE		0	0	27,220
Packaging Corp. of America	COM	695156109	2,092	13,402	SH		SOLE		0	0	13,402
PacWest Bancorp	COM	695263103	1,610	37,334	SH		SOLE		0	0	37,334
PayChex Inc.	COM	704326107	3,535	25,901	SH		SOLE		0	0	25,901
Paypal Hldgs Inc.	COM	70450y103	200	1,731	SH		SOLE		0	0	1,731
PepsiCo Inc	COM	713448108	2,705	16,158	SH		SOLE		0	0	16,158
Pfizer, Inc.	COM	717081103	3,857	74,512	SH		SOLE		0	0	74,512
Philip Morris Internat'l.	COM	718172109	1,409	15,004	SH		SOLE		0	0	15,004
PNC Financial Svcs.	COM	693475105	248	1,343	SH		SOLE		0	0	1,343
Procter and Gamble	COM	742718109	1,785	11,679	SH		SOLE		0	0	11,679
ProShares S&P 500 Dividend Aristocrats ETF	COM	74348a467	2,113	22,261	SH		SOLE		0	0	22,261
Prudential Financial, Inc.	COM	744320102	275	2,330	SH		SOLE		0	0	2,330
Qualcomm Inc.	COM	747525103	4,278	27,993	SH		SOLE		0	0	27,993
Quanta Services, Inc.	COM	74762e102	4,232	32,155	SH		SOLE		0	0	32,155
Raytheon Technologies Corp.	COM	75513e101	396	3,998	SH		SOLE		0	0	3,998
Realty Income Corp.	COM	756109104	1,862	26,869	SH		SOLE		0	0	26,869
Regeneron Pharmaceuticals	COM	75886f107	2,011	2,880	SH		SOLE		0	0	2,880
Regions Financial Corp.	COM	7591ep100	2,361	106,046	SH		SOLE		0	0	106,046
Rio Tinto PLC ADR F	COM	767204100	275	3,425	SH		SOLE		0	0	3,425
RPM Inc. Ohio	COM	749685103	2,630	32,293	SH		SOLE		0	0	32,293
S&P Global, Inc.	COM	78409v104	6,807	16,596	SH		SOLE		0	0	16,596
Salesforce.com	COM	79466l302	2,854	13,443	SH		SOLE		0	0	13,443
Sanofi-Aventis ADR	COM	80105n105	270	5,252	SH		SOLE		0	0	5,252
Schwab Fundamental US Broad Market ETF	COM	808524789	568	9,844	SH		SOLE		0	0	9,844
Schwab Strategic US Small-Cap ETF	COM	808524607	978	20,660	SH		SOLE		0	0	20,660
Schwab US Broad Market ETF	COM	808524102	3,044	57,010	SH		SOLE		0	0	57,010
Schwab US Div Equity ETF	COM	808524797	6,316	80,065	SH		SOLE		0	0	80,065
Schwab US Large-Cap ETF	COM	808524201	951	17,668	SH		SOLE		0	0	17,668
Schwab US Large-Cap Growth ETF	COM	808524300	826	11,035	SH		SOLE		0	0	11,035
Schwab US Mid-Cap ETF	COM	808524508	924	12,183	SH		SOLE		0	0	12,183
Seagate Technology Holdings PLC	COM	g7997r103	388	4,313	SH		SOLE		0	0	4,313
ServiceNow, Inc.	COM	81762p102	714	1,282	SH		SOLE		0	0	1,282
Shell PLC ADR	COM	780259305	351	6,391	SH		SOLE		0	0	6,391
Sherwin Williams Company	COM	824348106	6,930	27,761	SH		SOLE		0	0	27,761
Siemens AG ADR	COM	826197501	200	2,894	SH		SOLE		0	0	2,894
Southern Company	COM	842587107	431	5,951	SH		SOLE		0	0	5,951
Southern Copper Corp.	COM	84265v105	216	2,850	SH		SOLE		0	0	2,850
SPDR Dow Jones Industrial Average ETF	COM	78467x109	755	2,176	SH		SOLE		0	0	2,176
SPDR Gold Shares ETF	COM	78463v107	748	4,139	SH		SOLE		0	0	4,139
SPDR Portfolio S&P 500 Growth ETF	COM	78464a409	1,314	19,843	SH		SOLE		0	0	19,843
SPDR S&P 500 ETF	COM	78462F103	4,136	9,157	SH		SOLE		0	0	9,157
SPDR S&P Dividend ETF	COM	78464a763	2,078	16,223	SH		SOLE		0	0	16,223
SPDR S&P MidCap 400 ETF	COM	78467y107	1,029	2,098	SH		SOLE		0	0	2,098
SPDR S&P Value ETF	COM	78464a508	2,210	52,945	SH		SOLE		0	0	52,945
Starbucks Corp.	COM	855244109	249	2,741	SH		SOLE		0	0	2,741
State Street Corp.	COM	857477103	802	9,200	SH		SOLE		0	0	9,200
Stryker Corporation	COM	863667101	259	967	SH		SOLE		0	0	967
Sun Life Financial, Inc.	COM	866796105	297	5,318	SH		SOLE		0	0	5,318
T. Rowe Price Dividend Growth ETF	COM	87283q404	235	6,997	SH		SOLE		0	0	6,997
Taiwan Semiconductor Mfg. Co. Ltd.	COM	874039100	921	8,835	SH		SOLE		0	0	8,835
Target Corp.	COM	87612E106	352	1,658	SH		SOLE		0	0	1,658
Technology Select Sector SPDR ETF	COM	81369y803	400	2,518	SH		SOLE		0	0	2,518
Tesla Motors Inc., Com	COM	88160r101	3,012	2,795	SH		SOLE		0	0	2,795
Thermo Fisher Scientific, Inc.	COM	883556102	11,244	19,036	SH		SOLE		0	0	19,036
Timken Co.	COM	887389104	2,137	35,203	SH		SOLE		0	0	35,203
Travelers Companies Inc.	COM	89417E109	491	2,689	SH		SOLE		0	0	2,689
Truist Financial Corp.	COM	89832q109	515	9,090	SH		SOLE		0	0	9,090
UBS Group AG	COM	h42097107	215	10,990	SH		SOLE		0	0	10,990
Umpqua Holdings Corp.	COM	904214103	1,508	79,972	SH		SOLE		0	0	79,972
Unilever PLC ADR	COM	904767704	481	10,547	SH		SOLE		0	0	10,547
Union Pacific Corp.	COM	907818108	1,643	6,014	SH		SOLE		0	0	6,014
United Parcel Service, Inc.	COM	911312106	475	2,217	SH		SOLE		0	0	2,217
United Rentals, Inc.	COM	911363109	9,292	26,158	SH		SOLE		0	0	26,158
UnitedHealth Group	COM	91324p102	8,659	16,980	SH		SOLE		0	0	16,980
Vale S.A. ADR	COM	91912e105	232	11,590	SH		SOLE		0	0	11,590
Vanguard Dividend Appreciation ETF	COM	921908844	12,963	79,939	SH		SOLE		0	0	79,939
Vanguard Emerging Mkts. ETF	COM	922042858	1,087	23,562	SH		SOLE		0	0	23,562
Vanguard Extended Market ETF	COM	922908652	315	1,900	SH		SOLE		0	0	1,900
Vanguard FTSE All-World (ex. US) ETF	COM	922042775	2,130	36,980	SH		SOLE		0	0	36,980
Vanguard Growth ETF	COM	922908736	1,678	5,836	SH		SOLE		0	0	5,836
Vanguard High Dividend Yield ETF	COM	921946406	1,974	17,587	SH		SOLE		0	0	17,587
Vanguard Index Small Cap ETF	COM	922908751	5,176	24,356	SH		SOLE		0	0	24,356
Vanguard Information Technology ETF	COM	92204a702	2,521	6,052	SH		SOLE		0	0	6,052
Vanguard Large Cap ETF	COM	922908637	693	3,325	SH		SOLE		0	0	3,325
Vanguard Mega Cap ETF	COM	921910873	12,018	75,564	SH		SOLE		0	0	75,564
Vanguard Mega Cap Growth ETF	COM	921910816	294	1,248	SH		SOLE		0	0	1,248
Vanguard Mid Cap ETF	COM	922908629	7,330	30,819	SH		SOLE		0	0	30,819
Vanguard Mid-Cap Growth ETF	COM	922908538	1,223	5,488	SH		SOLE		0	0	5,488
Vanguard Mid-Cap Value ETF	COM	922908512	1,799	12,021	SH		SOLE		0	0	12,021
Vanguard REIT ETF	COM	922908553	856	7,899	SH		SOLE		0	0	7,899
Vanguard Russell 1000 ETF	COM	92206c730	7,633	36,838	SH		SOLE		0	0	36,838
Vanguard Russell 1000 Growth ETF	COM	92206c680	2,677	37,516	SH		SOLE		0	0	37,516
Vanguard Russell 1000 Value ETF	COM	92206c714	1,133	15,562	SH		SOLE		0	0	15,562
Vanguard Russell 3000 ETF	COM	92206c599	507	2,485	SH		SOLE		0	0	2,485
Vanguard S&P 500 ETF	COM	922908363	3,453	8,316	SH		SOLE		0	0	8,316
Vanguard S&P 500 Growth ETF	COM	921932505	5,234	18,987	SH		SOLE		0	0	18,987
Vanguard S&P 500 Value ETF	COM	921932703	328	2,178	SH		SOLE		0	0	2,178
Vanguard Small Cap Growth ETF	COM	922908595	473	1,905	SH		SOLE		0	0	1,905
Vanguard Small Cap Value ETF	COM	922908611	492	2,798	SH		SOLE		0	0	2,798
Vanguard Tax-Mgd Int'l Dev. Markets ETF	COM	921943858	579	12,045	SH		SOLE		0	0	12,045
Vanguard Total Stock Market ETF	COM	922908769	18,057	79,310	SH		SOLE		0	0	79,310
Vanguard Value ETF	COM	922908744	1,059	7,164	SH		SOLE		0	0	7,164
Vanguard World Health Care ETF	COM	92204a504	2,585	10,161	SH		SOLE		0	0	10,161
Veolia Environment ADR	COM	92334n103	260	8,122	SH		SOLE		0	0	8,122
Verizon Communications	COM	92343V104	805	15,807	SH		SOLE		0	0	15,807
Virtu Financial Inc	COM	928254101	1,691	45,440	SH		SOLE		0	0	45,440
Visa Inc.	COM	92826c839	976	4,401	SH		SOLE		0	0	4,401
Vodafone Group PLC ADR	COM	92857w308	197	11,863	SH		SOLE		0	0	11,863
W D 40 Co.	COM	929236107	273	1,489	SH		SOLE		0	0	1,489
W. P. Carey Inc.	COM	92936u109	3,728	46,113	SH		SOLE		0	0	46,113
Walgreen Boots Alliance Inc.	COM	931427108	393	8,786	SH		SOLE		0	0	8,786
Wal-Mart Stores	COM	931142103	1,139	7,648	SH		SOLE		0	0	7,648
Walt Disney Co	COM	254687106	577	4,208	SH		SOLE		0	0	4,208
Waste Management, Inc.	COM	94106L109	333	2,098	SH		SOLE		0	0	2,098
Williams Companies	COM	969457100	2,714	81,235	SH		SOLE		0	0	81,235
WisdomTree International Hdgd Div Gr ETF	COM	97717x594	1,109	25,838	SH		SOLE		0	0	25,838
WisdomTree U.S. LargeCap Dividend ETF	COM	97717w307	494	7,520	SH		SOLE		0	0	7,520
WisdomTree US Quality Dividend Gr ETF	COM	97717x669	476	7,470	SH		SOLE		0	0	7,470
Workday, Inc. Cl. A	COM	98138h101	287	1,200	SH		SOLE		0	0	1,200
XTrackers MSCI EAFE Hedged Equity ETF	COM	233051200	493	13,076	SH		SOLE		0	0	13,076
Yum Brands, Inc.	COM	988498101	275	2,321	SH		SOLE		0	0	2,321