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
Eaton Vance Municipal Income TR	COM	27826u108	167,996	16,584	SH		SOLE		0	0	16,584
First Trust Managed Municipal ETF	COM	33739n108	385,125	7,561	SH		SOLE		0	0	7,561
PIMCO Intermediate Muni Bd Actv - ETF	COM	72201r866	253,200	4,845	SH		SOLE		0	0	4,845
iShares National Muni Bond ETF	COM	464288414	361,468	3,355	SH		SOLE		0	0	3,355
First Trust Senior Loan Fund ETF	COM	33738d309	551,348	12,187	SH		SOLE		0	0	12,187
Invesco BulletShares 2024 Corp Bond ETF	COM	46138j841	574,214	27,888	SH		SOLE		0	0	27,888
Invesco BulletShares 2025 Corp Bond ETF	COM	46138j825	438,717	21,633	SH		SOLE		0	0	21,633
JPMorgan Ultra-Short Income ETF	COM	46641q837	3,417,936	67,924	SH		SOLE		0	0	67,924
Vanguard Bd Index - Total Bd Market ETF	COM	921937835	287,405	3,893	SH		SOLE		0	0	3,893
First Tr TCW Opportunistic Fixed Inc ETF	COM	33740f805	1,222,928	27,140	SH		SOLE		0	0	27,140
IShares TR Core 1-5yr Bond ETF	COM	46432f859	483,575	10,255	SH		SOLE		0	0	10,255
IShares Tr. Core US Aggregate Bd ETF	COM	464287226	323,033	3,242	SH		SOLE		0	0	3,242
Gerdau SA ADR	COM	373737105	196,696	39,817	SH		SOLE		0	0	39,817
AB Volvo ADR	COM	928854108	237,118	11,533	SH		SOLE		0	0	11,533
First Trust Water ETF	COM	33733b100	266,445	3,186	SH		SOLE		0	0	3,186
Amazon.Com Inc.	COM	023135106	10,767,466	104,245	SH		SOLE		0	0	104,245
AutoZone, Inc.	COM	053332102	430,176	175	SH		SOLE		0	0	175
Best Buy Company, Inc.	COM	086516101	1,621,762	20,720	SH		SOLE		0	0	20,720
Chipotle Mexican Grill, A	COM	169656105	8,319,372	4,870	SH		SOLE		0	0	4,870
Choice Hotels Internat'l., Inc.	COM	169905106	445,322	3,800	SH		SOLE		0	0	3,800
Garmin Ltd.	COM	h2906t109	3,106,158	30,778	SH		SOLE		0	0	30,778
Genuine Parts Co.	COM	372460105	2,419,898	14,464	SH		SOLE		0	0	14,464
Grupo Aeroportuario del Pacifico ADR	COM	400506101	289,153	1,482	SH		SOLE		0	0	1,482
Home Depot, Inc.	COM	437076102	8,085,089	27,396	SH		SOLE		0	0	27,396
Isuzu Motors Ltd.	COM	465254209	140,849	11,866	SH		SOLE		0	0	11,866
Lowe's Cos	COM	548661107	2,180,073	10,902	SH		SOLE		0	0	10,902
McDonalds Corp.	COM	580135101	2,419,707	8,654	SH		SOLE		0	0	8,654
Nike, Inc.	COM	654106103	291,147	2,374	SH		SOLE		0	0	2,374
Starbucks Corp.	COM	855244109	546,610	5,249	SH		SOLE		0	0	5,249
Target Corp.	COM	87612E106	312,047	1,884	SH		SOLE		0	0	1,884
Tesla Motors Inc.	COM	88160r101	1,350,980	6,512	SH		SOLE		0	0	6,512
Unilever PLC ADR	COM	904767704	621,966	11,977	SH		SOLE		0	0	11,977
W D 40 Co.	COM	929236107	265,116	1,489	SH		SOLE		0	0	1,489
Yum Brands, Inc.	COM	988498101	310,256	2,349	SH		SOLE		0	0	2,349
Altria Group, Inc.	COM	02209S103	759,254	17,016	SH		SOLE		0	0	17,016
Anheuser Busch Co.	COM	03524a108	322,172	4,828	SH		SOLE		0	0	4,828
Archer Daniels Midland	COM	039483102	10,883,219	136,621	SH		SOLE		0	0	136,621
Cal-Maine Foods, Inc.	COM	128030202	1,602,270	26,314	SH		SOLE		0	0	26,314
Coca Cola	COM	191216100	3,299,562	53,193	SH		SOLE		0	0	53,193
Coca Cola European Partners PLC	COM	g25839104	376,863	6,367	SH		SOLE		0	0	6,367
Colgate Palmolive Co.	COM	194162103	548,370	7,297	SH		SOLE		0	0	7,297
Constellation Brands, Inc.	COM	21036p108	483,405	2,140	SH		SOLE		0	0	2,140
Costco Wholesale Corp.	COM	22160K105	10,294,650	20,719	SH		SOLE		0	0	20,719
Diageo PLC ADR	COM	25243Q205	351,308	1,939	SH		SOLE		0	0	1,939
Estee Lauder Co.	COM	518439104	582,385	2,363	SH		SOLE		0	0	2,363
General Mills	COM	370334104	2,206,612	25,820	SH		SOLE		0	0	25,820
Hormel Foods Corp.	COM	440452100	217,346	5,450	SH		SOLE		0	0	5,450
Kimberly Clark Corp	COM	494368103	296,781	2,211	SH		SOLE		0	0	2,211
Kraft Heinz Co.	COM	500754106	1,204,035	31,136	SH		SOLE		0	0	31,136
Lamb Weston Hldgs.	COM	513272104	606,930	5,807	SH		SOLE		0	0	5,807
Mondelez International, Inc.	COM	609207105	853,024	12,235	SH		SOLE		0	0	12,235
Monster Beverage Corp.	COM	61174x109	1,519,841	28,140	SH		SOLE		0	0	28,140
Mowi ASA ADR	COM	624678108	248,532	13,456	SH		SOLE		0	0	13,456
Nestle SA ADR	COM	641069406	261,512	2,149	SH		SOLE		0	0	2,149
PepsiCo Inc	COM	713448108	3,357,365	18,417	SH		SOLE		0	0	18,417
Philip Morris Internat'l.	COM	718172109	1,471,856	15,135	SH		SOLE		0	0	15,135
Procter and Gamble	COM	742718109	2,181,297	14,670	SH		SOLE		0	0	14,670
Wal-Mart Stores	COM	931142103	2,851,536	19,339	SH		SOLE		0	0	19,339
Walgreen Boots Alliance Inc.	COM	931427108	359,148	10,386	SH		SOLE		0	0	10,386
BP Amoco PLC ADR	COM	055622104	870,268	22,938	SH		SOLE		0	0	22,938
Cheniere Energy, Inc	COM	16411r208	6,009,446	38,131	SH		SOLE		0	0	38,131
Chevron Corp.	COM	166764100	949,101	5,817	SH		SOLE		0	0	5,817
Civitas Resources, Inc.	COM	17888h103	1,571,342	22,993	SH		SOLE		0	0	22,993
ConocoPhillips	COM	20825C104	600,915	6,057	SH		SOLE		0	0	6,057
Devon Energy Corp.	COM	25179M103	3,810,073	75,283	SH		SOLE		0	0	75,283
Enbridge Inc.	COM	29250n105	2,610,374	68,550	SH		SOLE		0	0	68,550
Energy Select Sector SPDR ETF	COM	81369y506	1,010,195	12,196	SH		SOLE		0	0	12,196
Exxon Mobil Corp.	COM	30231G102	1,520,546	13,866	SH		SOLE		0	0	13,866
Marathon Petroleum Corp.	COM	56585a102	590,960	4,383	SH		SOLE		0	0	4,383
Murphy Oil Corp.	COM	626717102	2,191,874	59,272	SH		SOLE		0	0	59,272
Shell PLC ADR	COM	780259305	418,201	7,268	SH		SOLE		0	0	7,268
Total Energies SE	COM	89151e109	218,485	3,700	SH		SOLE		0	0	3,700
Williams Companies	COM	969457100	2,149,006	71,969	SH		SOLE		0	0	71,969
AFLAC, Inc.	COM	001055102	935,234	14,495	SH		SOLE		0	0	14,495
AGNC Investment Corp	COM	00123q104	1,600,069	158,737	SH		SOLE		0	0	158,737
Allstate Corp.	COM	020002101	699,654	6,314	SH		SOLE		0	0	6,314
American Express	COM	025816109	239,178	1,450	SH		SOLE		0	0	1,450
Bank of America	COM	060505104	253,539	8,865	SH		SOLE		0	0	8,865
Bank of Montreal	COM	063671101	279,271	3,134	SH		SOLE		0	0	3,134
Barings BDC, Inc.	COM	06759l103	110,160	13,874	SH		SOLE		0	0	13,874
Berkshire Hathaway, Cl. A	COM	084670108	465,600	1	SH		SOLE		0	0	1
Berkshire Hathaway, Cl. B	COM	084670702	4,193,097	13,580	SH		SOLE		0	0	13,580
Blackstone Group Inc. Cl. A	COM	09260d107	8,837,644	100,611	SH		SOLE		0	0	100,611
Canadian Imperial Bank of Commerce	COM	136069101	214,263	5,051	SH		SOLE		0	0	5,051
Charles Schwab Corp.	COM	808513105	478,454	9,134	SH		SOLE		0	0	9,134
Citigroup	COM	172967424	1,603,497	34,197	SH		SOLE		0	0	34,197
Citizens Financial Group	COM	174610105	1,900,673	62,584	SH		SOLE		0	0	62,584
Columbia Banking System, Inc.	COM	197236102	1,125,535	52,546	SH		SOLE		0	0	52,546
Discover Financial Services, Inc.	COM	254709108	250,658	2,536	SH		SOLE		0	0	2,536
Fifth Third Bancorp	COM	316773100	904,135	33,939	SH		SOLE		0	0	33,939
First Busey Corp.	COM	319383204	1,326,439	65,213	SH		SOLE		0	0	65,213
Gallagher, Arthur J & Co.	COM	363576109	260,182	1,360	SH		SOLE		0	0	1,360
Intercontinental Exchange Group	COM	45866f104	6,804,610	65,247	SH		SOLE		0	0	65,247
J.P. Morgan Chase & Co.	COM	46625H100	1,253,582	9,620	SH		SOLE		0	0	9,620
MasterCard, Inc.	COM	57636q104	8,905,725	24,506	SH		SOLE		0	0	24,506
Mitsubishi UFJ Fin'l. Grp. ADR	COM	606816104	560	10,183	SH		SOLE		0	0	10,183
Mitsubishi UFJ Fin'l. Grp. ADR	COM	606822104	121,985	19,090	SH		SOLE		0	0	19,090
Moody's Corp.	COM	615369105	709,966	2,320	SH		SOLE		0	0	2,320
Morgan Stanley	COM	617446448	254,005	2,893	SH		SOLE		0	0	2,893
Old Republic Nat'l. Corp.	COM	680223104	2,324,484	93,091	SH		SOLE		0	0	93,091
Ping An Insurance Company of China ADR	COM	72341e304	206,040	15,935	SH		SOLE		0	0	15,935
Regions Financial Corp.	COM	7591ep100	2,351,849	126,716	SH		SOLE		0	0	126,716
S&P Global, Inc.	COM	78409v104	3,705,933	10,749	SH		SOLE		0	0	10,749
State Street Corp.	COM	857477103	491,985	6,500	SH		SOLE		0	0	6,500
Sun Life Financial, Inc.	COM	866796105	278,192	5,957	SH		SOLE		0	0	5,957
Swiss Re Ltd.	COM	870886108	256,338	9,982	SH		SOLE		0	0	9,982
Travelers Companies Inc.	COM	89417E109	478,234	2,790	SH		SOLE		0	0	2,790
UBS Group AG	COM	h42097107	207,681	9,732	SH		SOLE		0	0	9,732
Valley National Bancorp	COM	919794107	1,827,893	197,824	SH		SOLE		0	0	197,824
Visa Inc.	COM	92826c839	977,369	4,335	SH		SOLE		0	0	4,335
AbbVie, Inc.	COM	00287y109	3,139,524	19,700	SH		SOLE		0	0	19,700
Abbott Laboratories	COM	002824100	1,623,097	16,029	SH		SOLE		0	0	16,029
Amgen, Inc.	COM	031162100	369,636	1,529	SH		SOLE		0	0	1,529
AstraZeneca PLC ADR	COM	046353108	1,468,091	21,151	SH		SOLE		0	0	21,151
Becton Dickinson & Co.	COM	075887109	685,191	2,768	SH		SOLE		0	0	2,768
Bristol-Myers Squibb	COM	110122108	696,496	10,049	SH		SOLE		0	0	10,049
CIGNA Corp.	COM	125523100	1,335,655	5,227	SH		SOLE		0	0	5,227
CVS Health Corp.	COM	126650100	8,509,293	114,511	SH		SOLE		0	0	114,511
Cardinal Health	COM	14149y108	1,972,847	26,130	SH		SOLE		0	0	26,130
Danaher Corp.	COM	235851102	573,391	2,275	SH		SOLE		0	0	2,275
Edwards Lifesciences Corp.	COM	28176E108	216,422	2,616	SH		SOLE		0	0	2,616
Elevance Health	COM	036752103	1,018,958	2,216	SH		SOLE		0	0	2,216
First Trust NYSE Arca Biotech ETF	COM	33733e203	371,293	2,395	SH		SOLE		0	0	2,395
Gilead Sciences Inc.	COM	375558103	8,708,470	104,959	SH		SOLE		0	0	104,959
GlaxoSmithKline PLC	COM	37733w204	328,012	9,219	SH		SOLE		0	0	9,219
HCA Healthcare Co.	COM	40412c101	9,172,900	34,788	SH		SOLE		0	0	34,788
Health Care Select Sector SPDR ETF	COM	81369y209	365,207	2,821	SH		SOLE		0	0	2,821
Hologic, Inc.	COM	436440101	468,060	5,800	SH		SOLE		0	0	5,800
IShares US Healthcare ETF	COM	464287762	649,337	2,378	SH		SOLE		0	0	2,378
Johnson & Johnson	COM	478160104	2,314,770	14,934	SH		SOLE		0	0	14,934
Lilly (Eli)	COM	532457108	1,174,449	3,420	SH		SOLE		0	0	3,420
Medifast, Inc.	COM	58470h101	742,549	7,163	SH		SOLE		0	0	7,163
Merck & Co Inc.	COM	58933y105	4,924,288	46,285	SH		SOLE		0	0	46,285
Microport Scientific Corp.	COM	g60837104	1,170,834	504,670	SH		SOLE		0	0	504,670
Moderna Inc.	COM	60770k107	264,926	1,725	SH		SOLE		0	0	1,725
Novartis AG ADR	COM	66987v109	253,276	2,753	SH		SOLE		0	0	2,753
Novo Nordisk A.S. ADR	COM	670100205	819,889	5,152	SH		SOLE		0	0	5,152
Pfizer, Inc.	COM	717081103	1,772,959	43,455	SH		SOLE		0	0	43,455
Quest Diagnostics	COM	74834L100	1,878,733	13,279	SH		SOLE		0	0	13,279
Regeneron Pharmaceuticals	COM	75886f107	7,564,294	9,206	SH		SOLE		0	0	9,206
Sanofi-Aventis ADR	COM	80105n105	221,925	4,078	SH		SOLE		0	0	4,078
Stryker Corporation	COM	863667101	276,049	967	SH		SOLE		0	0	967
Takeda Pharmaceutical Co.	COM	874060205	212,114	12,871	SH		SOLE		0	0	12,871
Thermo Fisher Scientific, Inc.	COM	883556102	10,243,248	17,772	SH		SOLE		0	0	17,772
UnitedHealth Group	COM	91324p102	6,939,039	14,683	SH		SOLE		0	0	14,683
Vanguard World Health Care ETF	COM	92204a504	2,414,646	10,126	SH		SOLE		0	0	10,126
Vertex Pharmaceutical	COM	92532F100	293,645	932	SH		SOLE		0	0	932
3M Company	COM	88579y101	389,433	3,705	SH		SOLE		0	0	3,705
ABB Ltd. Sponsored ADR	COM	000375204	259,137	7,555	SH		SOLE		0	0	7,555
Boeing Company	COM	097023105	256,191	1,206	SH		SOLE		0	0	1,206
CSX Corp.	COM	126408103	224,819	7,509	SH		SOLE		0	0	7,509
Caterpillar Inc.	COM	149123101	1,429,766	6,248	SH		SOLE		0	0	6,248
Cummins Engine Inc.	COM	231021106	902,489	3,778	SH		SOLE		0	0	3,778
Deere & Co.	COM	244199105	7,452,071	18,049	SH		SOLE		0	0	18,049
Eaton Corp., PLC	COM	g29183103	1,029,411	6,008	SH		SOLE		0	0	6,008
Emerson Electric Co.	COM	291011104	337,538	3,874	SH		SOLE		0	0	3,874
Frontline, LTD.	COM	M46528101	177,192	10,700	SH		SOLE		0	0	10,700
H&E Equipment Services, Inc.	COM	404030108	1,702,550	38,493	SH		SOLE		0	0	38,493
Illinois Tool Works	COM	452308109	973,945	4,001	SH		SOLE		0	0	4,001
Industrial Select Sector SPDR ETF	COM	81369y704	381,550	3,771	SH		SOLE		0	0	3,771
Jacobs Solutions, Inc.	COM	46982l108	2,478,286	21,090	SH		SOLE		0	0	21,090
Knight-Swift Transportation Holdings, Inc.	COM	499049104	224,623	3,970	SH		SOLE		0	0	3,970
Lockheed Martin Corp.	COM	539830109	428,766	907	SH		SOLE		0	0	907
Masco Corp.	COM	574599106	325,069	6,538	SH		SOLE		0	0	6,538
Norfolk Southern Corp.	COM	655844108	322,876	1,523	SH		SOLE		0	0	1,523
Northrop Grumman	COM	666807102	279,341	605	SH		SOLE		0	0	605
Oshkosh Corp.	COM	688239201	207,950	2,500	SH		SOLE		0	0	2,500
Owens Corning	COM	690742101	5,054,121	52,757	SH		SOLE		0	0	52,757
Quanta Services, Inc.	COM	74762e102	3,336,966	20,025	SH		SOLE		0	0	20,025
RPM Inc. Ohio	COM	749685103	2,860,458	32,788	SH		SOLE		0	0	32,788
Raytheon Technologies Corp.	COM	75513e101	461,250	4,710	SH		SOLE		0	0	4,710
Saia, Inc.	COM	78709Y105	3,235,031	11,890	SH		SOLE		0	0	11,890
Snap-on Incorporated	COM	833034101	2,250,234	9,114	SH		SOLE		0	0	9,114
Timken Co.	COM	887389104	2,473,611	30,269	SH		SOLE		0	0	30,269
Union Pacific Corp.	COM	907818108	1,706,685	8,480	SH		SOLE		0	0	8,480
United Parcel Service, Inc.	COM	911312106	442,297	2,280	SH		SOLE		0	0	2,280
United Rentals, Inc.	COM	911363109	8,326,790	21,040	SH		SOLE		0	0	21,040
Waste Management, Inc.	COM	94106L109	505,501	3,098	SH		SOLE		0	0	3,098
WillScot Mobile Mini Hldgs Corp, Cl. A	COM	971378104	1,493,831	31,865	SH		SOLE		0	0	31,865
American Tower Corp.	COM	03027x100	3,547,342	17,360	SH		SOLE		0	0	17,360
Apartment Income REIT Corp.	COM	03750l109	988,213	27,596	SH		SOLE		0	0	27,596
Apartment Invt. & Mgmt Co. (AIMCO)	COM	03748r747	212,213	27,596	SH		SOLE		0	0	27,596
Digital Realty Trust Inc.	COM	253868103	2,125,207	21,617	SH		SOLE		0	0	21,617
Essex Property Trust	COM	297178105	1,342,673	6,420	SH		SOLE		0	0	6,420
Farmland Partners, Inc.	COM	31154r109	338,120	31,600	SH		SOLE		0	0	31,600
IShares Cohen & Steers REIT ETF	COM	464287564	272,812	4,912	SH		SOLE		0	0	4,912
IShares Residential Real Estate Capped ETF	COM	464288562	458,112	6,487	SH		SOLE		0	0	6,487
Realty Income Corp.	COM	756109104	1,953,618	30,853	SH		SOLE		0	0	30,853
Vanguard REIT ETF	COM	922908553	537,809	6,477	SH		SOLE		0	0	6,477
W. P. Carey Inc.	COM	92936u109	4,410,513	56,947	SH		SOLE		0	0	56,947
Accenture, Ltd.	COM	g1151c101	212,071	742	SH		SOLE		0	0	742
Adobe Systems, Inc.	COM	00724F101	363,789	944	SH		SOLE		0	0	944
Advanced Micro Devices	COM	007903107	743,798	7,589	SH		SOLE		0	0	7,589
Analog Devices Inc.	COM	032654105	266,247	1,350	SH		SOLE		0	0	1,350
Apple Inc.	COM	037833100	28,402,064	172,238	SH		SOLE		0	0	172,238
Applied Materials	COM	038222105	395,144	3,217	SH		SOLE		0	0	3,217
Autodesk	COM	052769106	201,915	970	SH		SOLE		0	0	970
Automatic Data Processing	COM	053015103	1,249,845	5,614	SH		SOLE		0	0	5,614
Avnet Inc.	COM	053807103	2,426,450	53,683	SH		SOLE		0	0	53,683
Broadcom Inc.	COM	11135f101	11,586,854	18,061	SH		SOLE		0	0	18,061
Cisco Systems	COM	17275r102	1,088,784	20,828	SH		SOLE		0	0	20,828
Debt Resolve Inc.	COM	24276r206	100	100,000	SH		SOLE		0	0	100,000
First Solar, Inc.	COM	336433107	706,440	3,248	SH		SOLE		0	0	3,248
Fiserv, Inc.	COM	337738108	7,459,528	65,996	SH		SOLE		0	0	65,996
Global Payments Inc.	COM	37940x102	3,588,158	34,095	SH		SOLE		0	0	34,095
Hewlett Packard Enterprise Co.	COM	42824c109	2,417,410	151,752	SH		SOLE		0	0	151,752
Honeywell Internat'l.	COM	438516106	450,470	2,357	SH		SOLE		0	0	2,357
I.B.M.	COM	459200101	1,082,279	8,256	SH		SOLE		0	0	8,256
Infosys Technologies, Ltd.	COM	456788108	318,454	18,260	SH		SOLE		0	0	18,260
Intel Corp.	COM	458140100	518,877	15,882	SH		SOLE		0	0	15,882
Invesco QQQ Tr Unit Ser. 1 ETF	COM	46090e103	2,801,000	8,728	SH		SOLE		0	0	8,728
Jabil Circuit, Inc.	COM	466313103	2,683,590	30,440	SH		SOLE		0	0	30,440
L3Harris Technologies	COM	502431109	269,830	1,375	SH		SOLE		0	0	1,375
LAM Research Corp.	COM	512807108	8,824,378	16,646	SH		SOLE		0	0	16,646
Leidos Holdings, Inc.	COM	525327102	700,646	7,611	SH		SOLE		0	0	7,611
Logitech Internat'l. SA	COM	H50430232	324,207	5,584	SH		SOLE		0	0	5,584
MercadoLibre Inc.	COM	58733r102	266,248	202	SH		SOLE		0	0	202
Microchip Technology, Inc.	COM	595017104	9,778,662	116,718	SH		SOLE		0	0	116,718
Micron Technology, Inc.	COM	595112103	2,247,303	37,244	SH		SOLE		0	0	37,244
Microsoft Corporation	COM	594918104	15,480,532	53,696	SH		SOLE		0	0	53,696
Motorola Solutions, Inc.	COM	620076307	216,028	755	SH		SOLE		0	0	755
Nvidia Corp.	COM	67066g104	14,991,076	53,969	SH		SOLE		0	0	53,969
Oracle Corp	COM	68389X105	994,894	10,707	SH		SOLE		0	0	10,707
Palo Alto Networks, Inc.	COM	697435105	227,304	1,138	SH		SOLE		0	0	1,138
PayChex Inc.	COM	704326107	2,975,532	25,967	SH		SOLE		0	0	25,967
Qualcomm Inc.	COM	747525103	1,496,513	11,730	SH		SOLE		0	0	11,730
Salesforce.com	COM	79466l302	2,880,028	14,416	SH		SOLE		0	0	14,416
Seagate Technology Holdings PLC	COM	g7997r103	213,435	3,228	SH		SOLE		0	0	3,228
Siemens AG ADR	COM	826197501	295,387	3,649	SH		SOLE		0	0	3,649
Taiwan Semiconductor Mfg. Co. Ltd.	COM	874039100	928,898	9,986	SH		SOLE		0	0	9,986
Technology Select Sector SPDR ETF	COM	81369y803	405,462	2,685	SH		SOLE		0	0	2,685
Vanguard Information Technology ETF	COM	92204a702	2,028,729	5,263	SH		SOLE		0	0	5,263
Air Products & Chem	COM	009158106	366,767	1,277	SH		SOLE		0	0	1,277
Albemarle Corp.	COM	012653101	224,074	1,014	SH		SOLE		0	0	1,014
Amyris, Inc.	COM	03236m200	14,212	10,450	SH		SOLE		0	0	10,450
BHP Billiton, Ltd. ADR	COM	088606108	289,911	4,572	SH		SOLE		0	0	4,572
Ball Corp.	COM	058498106	230,580	4,184	SH		SOLE		0	0	4,184
Dow Inc.	COM	260557103	313,022	5,710	SH		SOLE		0	0	5,710
International Paper	COM	460146103	1,596,304	44,268	SH		SOLE		0	0	44,268
Linde PLC	COM	g54950103	341,508	970	SH		SOLE		0	0	970
Materials Select Sector SPDR ETF	COM	81369y100	429,998	5,331	SH		SOLE		0	0	5,331
Mosaic Co.	COM	61945c103	1,849,432	40,310	SH		SOLE		0	0	40,310
Nucor Corp.	COM	670346105	3,133,456	20,285	SH		SOLE		0	0	20,285
Rio Tinto PLC ADR F	COM	767204100	466,274	6,797	SH		SOLE		0	0	6,797
Sherwin Williams Company	COM	824348106	4,405,492	19,600	SH		SOLE		0	0	19,600
WestRock Company	COM	96145d105	3,652,896	119,885	SH		SOLE		0	0	119,885
AT&T Inc.	COM	00206R102	632,564	32,860	SH		SOLE		0	0	32,860
Alphabet Inc., Cl. A	COM	02079k305	11,231,988	108,281	SH		SOLE		0	0	108,281
Alphabet Inc., Cl. C	COM	02079k107	1,578,203	15,175	SH		SOLE		0	0	15,175
Meta Platforms, Inc.	COM	30303m102	1,664,789	7,855	SH		SOLE		0	0	7,855
Omnicom Group	COM	681919106	2,354,607	24,959	SH		SOLE		0	0	24,959
Verizon Communications	COM	92343V104	638,768	16,425	SH		SOLE		0	0	16,425
Vodafone Group PLC ADR	COM	92857w308	158,568	14,363	SH		SOLE		0	0	14,363
Walt Disney Co	COM	254687106	4,846,192	48,399	SH		SOLE		0	0	48,399
Allete, Inc.	COM	018522300	1,522,150	23,647	SH		SOLE		0	0	23,647
Ameren Corp.	COM	023608102	276,134	3,196	SH		SOLE		0	0	3,196
American Electric Power	COM	025537101	357,218	3,926	SH		SOLE		0	0	3,926
American States Water Co.	COM	029899101	2,151,551	24,205	SH		SOLE		0	0	24,205
Black Hills Corp.	COM	092113109	1,148,357	18,199	SH		SOLE		0	0	18,199
DTE Energy	COM	233331107	351,225	3,206	SH		SOLE		0	0	3,206
Duke Energy Corp	COM	26441c204	335,968	3,483	SH		SOLE		0	0	3,483
Equinor ASA	COM	29446m102	315,829	11,109	SH		SOLE		0	0	11,109
Essentials Utilities Inc.	COM	29670g102	259,392	5,943	SH		SOLE		0	0	5,943
Eversource Energy Com.	COM	30040w108	268,510	3,431	SH		SOLE		0	0	3,431
National Fuel Gas Co.	COM	636180101	1,869,367	32,376	SH		SOLE		0	0	32,376
National Grid PLC ADR	COM	636274409	309,898	4,558	SH		SOLE		0	0	4,558
New Jersey Resources Corp.	COM	646025106	1,705,645	32,061	SH		SOLE		0	0	32,061
NextEra Energy	COM	65339F101	1,437,002	18,643	SH		SOLE		0	0	18,643
Southern Company	COM	842587107	490,984	7,056	SH		SOLE		0	0	7,056
Veolia Environment ADR	COM	92334n103	275,278	8,926	SH		SOLE		0	0	8,926
Wisconsin Energy	COM	92939u106	204,178	2,154	SH		SOLE		0	0	2,154
IShares US Real Estate ETF	COM	464287739	309,970	3,651	SH		SOLE		0	0	3,651
First TR. Ex. Tr. FD N. American Energy	COM	33738d101	388,505	14,589	SH		SOLE		0	0	14,589
Vanguard Small Cap Growth ETF	COM	922908595	361,621	1,671	SH		SOLE		0	0	1,671
IShares Russell 2000 Index ETF	COM	464287655	1,948,337	10,921	SH		SOLE		0	0	10,921
IShares S&P SmallCap 600 Index ETF	COM	464287804	4,522,079	46,764	SH		SOLE		0	0	46,764
Schwab Strategic US Small-Cap ETF	COM	808524607	930,972	22,203	SH		SOLE		0	0	22,203
Vanguard Index Small Cap ETF	COM	922908751	4,645,168	24,505	SH		SOLE		0	0	24,505
iShares MSCI Multifactor USA Small-Cap ETF	COM	46434v290	1,449,684	28,281	SH		SOLE		0	0	28,281
First Trust SMID Cap Rising Div Achv ETF	COM	33741x102	1,753,061	65,779	SH		SOLE		0	0	65,779
IShares Russell 2000 Value Index ETF	COM	464287630	1,067,797	7,793	SH		SOLE		0	0	7,793
IShares S&P SmallCap 600 Barra Value ETF	COM	464287879	1,379,629	14,741	SH		SOLE		0	0	14,741
Pacer U.S. Small Cap Cash Cows 100 - ETF	COM	69374H857	330,856	8,693	SH		SOLE		0	0	8,693
Vanguard Small Cap Value ETF	COM	922908611	635,040	4,000	SH		SOLE		0	0	4,000
Vanguard Mid-Cap Growth ETF	COM	922908538	990,821	5,084	SH		SOLE		0	0	5,084
First Trust Mid Cap Core AlphaDEX ETF	COM	33735b108	1,338,875	14,883	SH		SOLE		0	0	14,883
IShares Russell Midcap Index ETF	COM	464287499	2,140,601	30,615	SH		SOLE		0	0	30,615
IShares S&P Midcap 400 Index ETF	COM	464287507	2,743,129	10,966	SH		SOLE		0	0	10,966
SPDR S&P MidCap 400 ETF	COM	78467y107	1,101,559	2,403	SH		SOLE		0	0	2,403
Schwab US Mid-Cap ETF	COM	808524508	803,548	11,843	SH		SOLE		0	0	11,843
Vanguard Extended Market ETF	COM	922908652	266,380	1,900	SH		SOLE		0	0	1,900
Vanguard Mid Cap ETF	COM	922908629	6,009,915	28,494	SH		SOLE		0	0	28,494
IShares Russell Midcap Value Index ETF	COM	464287473	774,831	7,296	SH		SOLE		0	0	7,296
IShares S&P MidCap 400/Barra Value ETF	COM	464287705	2,162,945	21,046	SH		SOLE		0	0	21,046
Pacer U.S. Cash Cows 100 - ETF	COM	69374h881	5,265,160	112,144	SH		SOLE		0	0	112,144
ProShares S&P MidCap 400 Dividend Aristo.	COM	74347b680	688,256	9,728	SH		SOLE		0	0	9,728
Vanguard Mid-Cap Value ETF	COM	922908512	2,401,986	17,916	SH		SOLE		0	0	17,916
First Trust NASDAQ-100 Equal Wtd ETF	COM	337344105	2,328,703	23,137	SH		SOLE		0	0	23,137
IShares MSCI USA Momentum Factor ETF	COM	46432f396	4,452,339	32,022	SH		SOLE		0	0	32,022
IShares Russell 1000 Growth Index ETF	COM	464287614	807,266	3,304	SH		SOLE		0	0	3,304
IShares S&P 500 Barra Growth Index ETF	COM	464287309	211,668	3,313	SH		SOLE		0	0	3,313
Nuveen TR ESG Large Cap Growth ETF	COM	67092p201	355,343	6,375	SH		SOLE		0	0	6,375
Schwab US Large-Cap Growth ETF	COM	808524300	768,028	11,785	SH		SOLE		0	0	11,785
Vanguard Growth ETF	COM	922908736	1,726,374	6,921	SH		SOLE		0	0	6,921
Vanguard Mega Cap Growth ETF	COM	921910816	352,371	1,723	SH		SOLE		0	0	1,723
Vanguard Russell 1000 Growth ETF	COM	92206c680	2,443,843	38,859	SH		SOLE		0	0	38,859
Vanguard S&P 500 Growth ETF	COM	921932505	4,323,344	18,758	SH		SOLE		0	0	18,758
iShares Russell Top 200 Growth ETF	COM	464289438	1,123,527	8,087	SH		SOLE		0	0	8,087
First Tr Large Cap Core AlphaDex Fd ETF	COM	33734k109	544,985	6,770	SH		SOLE		0	0	6,770
First Trust Capital Strength ETF	COM	33733E104	3,612,718	49,530	SH		SOLE		0	0	49,530
Goldman Sachs ActiveBeta US LargeCp Eq ETF	COM	381430503	6,514,331	80,206	SH		SOLE		0	0	80,206
IShares - Russell 200 Index ETF	COM	464289446	528,312	5,429	SH		SOLE		0	0	5,429
IShares Edge MSCI USA Quality Factor ETF	COM	46432f339	1,049,962	8,463	SH		SOLE		0	0	8,463
IShares MSCI USA Minimum Volatility ETF	COM	46429b697	4,517,822	62,109	SH		SOLE		0	0	62,109
IShares Russell 1000 Index Fund ETF	COM	464287622	924,427	4,104	SH		SOLE		0	0	4,104
IShares Russell 3000 Index ETF	COM	464287689	3,427,334	14,559	SH		SOLE		0	0	14,559
IShares S&P 500 Index ETF	COM	464287200	555,622	1,352	SH		SOLE		0	0	1,352
Invesco Russell 1000 Dynamic Multi ETF	COM	46138j619	3,428,895	73,756	SH		SOLE		0	0	73,756
Invesco S&P 500 GARP - ETF	COM	46137V431	4,207,340	49,324	SH		SOLE		0	0	49,324
Invesco S&P 500 Low Volatility ETF	COM	46138e354	5,017,022	80,401	SH		SOLE		0	0	80,401
Invesco S&P 500 Quality ETF A	COM	46137v241	9,606,575	203,013	SH		SOLE		0	0	203,013
JPMorgan Equity Premium Income ETF	COM	46641q332	285,344	5,226	SH		SOLE		0	0	5,226
SPDR S&P 500 ETF	COM	78462F103	3,903,597	9,535	SH		SOLE		0	0	9,535
Schwab US Broad Market ETF	COM	808524102	3,006,176	62,825	SH		SOLE		0	0	62,825
Schwab US Large-Cap ETF	COM	808524201	813,777	16,824	SH		SOLE		0	0	16,824
Vanguard Dividend Appreciation ETF	COM	921908844	13,381,627	86,888	SH		SOLE		0	0	86,888
Vanguard ESG US Stock - ETF	COM	921910733	671,708	9,367	SH		SOLE		0	0	9,367
Vanguard Large Cap ETF	COM	922908637	621,143	3,325	SH		SOLE		0	0	3,325
Vanguard Mega Cap ETF	COM	921910873	10,916,858	76,267	SH		SOLE		0	0	76,267
Vanguard Russell 1000 ETF	COM	92206c730	6,782,598	36,401	SH		SOLE		0	0	36,401
Vanguard Russell 3000 ETF	COM	92206c599	455,501	2,485	SH		SOLE		0	0	2,485
Vanguard S&P 500 ETF	COM	922908363	2,669,378	7,098	SH		SOLE		0	0	7,098
Vanguard Total Stock Market ETF	COM	922908769	16,977,052	83,180	SH		SOLE		0	0	83,180
WisdomTree US Quality Dividend Gr ETF	COM	97717x669	832,239	13,350	SH		SOLE		0	0	13,350
ALPS Sector Dividend Dogs ETF	COM	00162q858	201,984	3,945	SH		SOLE		0	0	3,945
Dimensional US Marketwide Value - ETF	COM	25434v724	455,897	13,617	SH		SOLE		0	0	13,617
First Trust Morningstar Div Leaders ETF	COM	336917109	6,993,994	197,014	SH		SOLE		0	0	197,014
First Trust Rising Dividend Achievers ETF	COM	33738r506	3,506,399	78,146	SH		SOLE		0	0	78,146
First Trust Value Line Dividend ETF	COM	33734h106	3,773,313	93,957	SH		SOLE		0	0	93,957
FlexShares Quality Dividend ETF	COM	33939l860	428,600	7,870	SH		SOLE		0	0	7,870
IShares Core US Value ETF	COM	464287663	816,376	11,065	SH		SOLE		0	0	11,065
IShares Russell 1000 Value Index ETF	COM	464287598	290,817	1,910	SH		SOLE		0	0	1,910
IShares Select Dividend ETF	COM	464287168	1,676,377	14,306	SH		SOLE		0	0	14,306
Invesco S&P 500 High Div/Low Volat. ETF	COM	46138e362	207,251	4,910	SH		SOLE		0	0	4,910
Invesco S&P 500 Revenue ETF	COM	46138g698	555,530	7,300	SH		SOLE		0	0	7,300
ProShares S&P 500 Dividend Aristocrats ETF	COM	74348a467	4,692,282	51,428	SH		SOLE		0	0	51,428
SPDR Dow Jones Industrial Average ETF	COM	78467x109	1,215,393	3,654	SH		SOLE		0	0	3,654
SPDR S&P Dividend ETF	COM	78464a763	1,982,205	16,023	SH		SOLE		0	0	16,023
SPDR S&P Value ETF	COM	78464a508	3,916,572	96,183	SH		SOLE		0	0	96,183
Schwab Fundamental US Broad Market ETF	COM	808524789	519,227	9,594	SH		SOLE		0	0	9,594
Schwab US Div Equity ETF	COM	808524797	12,334,638	168,598	SH		SOLE		0	0	168,598
T. Rowe Price Dividend Growth ETF	COM	87283q404	512,445	16,037	SH		SOLE		0	0	16,037
Vanguard High Dividend Yield ETF	COM	921946406	2,185,169	20,713	SH		SOLE		0	0	20,713
Vanguard Russell 1000 Value ETF	COM	92206c714	995,937	14,907	SH		SOLE		0	0	14,907
Vanguard S&P 500 Value ETF	COM	921932703	368,951	2,515	SH		SOLE		0	0	2,515
Vanguard Value ETF	COM	922908744	1,276,551	9,243	SH		SOLE		0	0	9,243
WisdomTree U.S. LargeCap Dividend ETF	COM	97717w307	465,187	7,520	SH		SOLE		0	0	7,520
Pacer Global Cash Cows Dividend ETF	COM	69374h709	726,576	21,605	SH		SOLE		0	0	21,605
IShares Core MSCI Total Int'l Stk ETF	COM	46432f834	581,153	9,381	SH		SOLE		0	0	9,381
WisdomTree International Hdgd Div Gr ETF	COM	97717x594	1,016,051	25,775	SH		SOLE		0	0	25,775
Goldman Sachs ActiveBeta Int'l Eq ETF	COM	381430107	2,686,694	87,202	SH		SOLE		0	0	87,202
IShares - MSCI ACWI ex US ETF	COM	464288240	215,173	4,412	SH		SOLE		0	0	4,412
IShares MSCI EAFE ETF	COM	464287465	281,217	3,932	SH		SOLE		0	0	3,932
Vanguard FTSE All-World (ex. US) ETF	COM	922042775	1,349,636	25,241	SH		SOLE		0	0	25,241
Vanguard Tax-Mgd Int'l Dev. Markets ETF	COM	921943858	544,073	12,045	SH		SOLE		0	0	12,045
Goldman Sachs ActiveBeta Emerging Mkts ETF	COM	381430206	617,728	20,750	SH		SOLE		0	0	20,750
SPDR S&P Emerging Markets ETF	COM	78463x509	373,143	10,933	SH		SOLE		0	0	10,933
Vanguard Emerging Mkts. ETF	COM	922042858	726,865	17,992	SH		SOLE		0	0	17,992
First TR Global Tactical Commodity ETF	COM	33739h101	2,437,340	103,761	SH		SOLE		0	0	103,761
SPDR Gold Shares ETF	COM	78463v107	770,074	4,203	SH		SOLE		0	0	4,203
Ares RE Income Trust Class E	COM	09186L100	176,298	20,264	SH		SOLE		0	0	20,264