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
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