Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	Apple Inc.	161,992	$22.39M	3.6%	—	—	COM	037833100
VTI	Vanguard Total Stock Market ETF	81,528	$14.63M	2.4%	—	—	COM	922908769
ADM	Archer Daniels Midland	145,023	$11.67M	1.9%	—	—	COM	039483102
MSFT	Microsoft Corporation	48,306	$11.25M	1.8%	—	—	COM	594918104
VIG	Vanguard Dividend Appreciation ETF	80,102	$10.83M	1.8%	—	—	COM	921908844
CVS	CVS Health Corp.	112,052	$10.69M	1.7%	—	—	COM	126650100
—	Alphabet Inc., Cl. A	102,332	$9.788M	1.6%	—	—	COM	02079k305
AMZN	Amazon.Com Inc.	84,657	$9.566M	1.6%	—	—	COM	023135106
COST	Costco Wholesale Corp.	19,951	$9.422M	1.5%	—	—	COM	22160K105
TMO	Thermo Fisher Scientific, Inc.	18,350	$9.307M	1.5%	—	—	COM	883556102
MGC	Vanguard Mega Cap ETF	74,392	$9.286M	1.5%	—	—	COM	921910873
—	Cheniere Energy, Inc	54,456	$9.035M	1.5%	—	—	COM	16411r208
—	Broadcom Inc.	18,447	$8.191M	1.3%	—	—	COM	11135f101
—	Blackstone Group Inc. Cl. A	95,940	$8.03M	1.3%	—	—	COM	09260d107
URI	United Rentals, Inc.	28,614	$7.729M	1.3%	—	—	COM	911363109
HD	Home Depot, Inc.	27,666	$7.634M	1.2%	—	—	COM	437076102
—	UnitedHealth Group	15,007	$7.579M	1.2%	—	—	COM	91324p102
SCHD	Schwab US Div Equity ETF	111,522	$7.408M	1.2%	—	—	COM	808524797
—	Intercontinental Exchange Group	80,934	$7.312M	1.2%	—	—	COM	45866f104
CMG	Chipotle Mexican Grill, A	4,707	$7.073M	1.1%	—	—	COM	169656105
—	HCA Healthcare Co.	37,594	$6.909M	1.1%	—	—	COM	40412c101
DVN	Devon Energy Corp.	114,202	$6.867M	1.1%	—	—	COM	25179M103
—	MasterCard, Inc.	23,800	$6.767M	1.1%	—	—	COM	57636q104
—	Nvidia Corp.	55,341	$6.718M	1.1%	—	—	COM	67066g104
MCHP	Microchip Technology, Inc.	108,166	$6.601M	1.1%	—	—	COM	595017104
DE	Deere & Co.	19,720	$6.584M	1.1%	—	—	COM	244199105
—	Vanguard Russell 1000 ETF	36,463	$5.957M	1.0%	—	—	COM	92206c730
—	Invesco S&P 500 Quality ETF A	148,795	$5.913M	1.0%	—	—	COM	46137v241
—	LAM Research Corp.	15,599	$5.709M	0.9%	—	—	COM	512807108
VO	Vanguard Mid Cap ETF	29,826	$5.607M	0.9%	—	—	COM	922908629
FISV	Fiserv, Inc.	58,543	$5.478M	0.9%	—	—	COM	337738108
MU	Micron Technology, Inc.	98,889	$4.954M	0.8%	—	—	COM	595112103
FDL	First Trust Morningstar Div Leaders ETF	152,949	$4.914M	0.8%	—	—	COM	336917109
SHW	Sherwin Williams Company	22,616	$4.631M	0.8%	—	—	COM	824348106
GSLC	Goldman Sachs ActiveBeta US LargeCp Eq ETF	63,865	$4.536M	0.7%	—	—	COM	381430503
—	S&P Global, Inc.	14,383	$4.392M	0.7%	—	—	COM	78409v104
—	Meta Platforms, Inc.	31,282	$4.244M	0.7%	—	—	COM	30303m102
VB	Vanguard Index Small Cap ETF	23,830	$4.073M	0.7%	—	—	COM	922908751
VOOG	Vanguard S&P 500 Growth ETF	19,387	$4.043M	0.7%	—	—	COM	921932505
—	Merck & Co Inc.	44,296	$3.815M	0.6%	—	—	COM	58933y105
—	First Trust Rising Dividend Achievers ETF	92,404	$3.593M	0.6%	—	—	COM	33738r506
—	IShares MSCI USA Momentum Factor ETF	27,161	$3.563M	0.6%	—	—	COM	46432f396
BRK/B	Berkshire Hathaway, Cl. B	13,212	$3.528M	0.6%	—	—	COM	084670702
OC	Owens Corning	44,865	$3.527M	0.6%	—	—	COM	690742101
—	IShares MSCI USA Minimum Volatility ETF	53,159	$3.514M	0.6%	—	—	COM	46429b697
SPY	SPDR S&P 500 ETF	9,763	$3.487M	0.6%	—	—	COM	78462F103
—	First Trust Value Line Dividend ETF	96,587	$3.457M	0.6%	—	—	COM	33734h106
—	Regeneron Pharmaceuticals	5,000	$3.444M	0.6%	—	—	COM	75886f107
—	American Tower Corp.	15,775	$3.387M	0.5%	—	—	COM	03027x100
—	Regions Financial Corp.	165,364	$3.319M	0.5%	—	—	COM	7591ep100
—	W. P. Carey Inc.	46,665	$3.257M	0.5%	—	—	COM	92936u109
—	Invesco S&P 500 Low Volatility ETF	55,332	$3.2M	0.5%	—	—	COM	46138e354
PFE	Pfizer, Inc.	70,918	$3.103M	0.5%	—	—	COM	717081103
IWV	IShares Russell 3000 Index ETF	14,834	$3.071M	0.5%	—	—	COM	464287689
FTCS	First Trust Capital Strength ETF	44,308	$2.943M	0.5%	—	—	COM	33733E104
KO	Coca Cola	51,130	$2.864M	0.5%	—	—	COM	191216100
VOO	Vanguard S&P 500 ETF	8,692	$2.854M	0.5%	—	—	COM	922908363
RPM	RPM Inc. Ohio	33,267	$2.771M	0.4%	—	—	COM	749685103
IJR	IShares S&P SmallCap 600 Index ETF	31,779	$2.771M	0.4%	—	—	COM	464287804
—	Quanta Services, Inc.	21,615	$2.754M	0.4%	—	—	COM	74762e102
PEP	PepsiCo Inc	16,864	$2.753M	0.4%	—	—	COM	713448108
—	Tesla Motors Inc.	10,308	$2.734M	0.4%	—	—	COM	88160r101
—	First TR Global Tactical Commodity ETF	107,237	$2.717M	0.4%	—	—	COM	33739h101
PAYX	PayChex Inc.	23,352	$2.62M	0.4%	—	—	COM	704326107
SCHB	Schwab US Broad Market ETF	62,355	$2.618M	0.4%	—	—	COM	808524102
—	ProShares S&P 500 Dividend Aristocrats ETF	31,943	$2.554M	0.4%	—	—	COM	74348a467
—	Invesco QQQ Tr Unit Ser. 1 ETF	9,516	$2.543M	0.4%	—	—	COM	46090e103
IWM	IShares Russell 2000 Index ETF	15,408	$2.541M	0.4%	—	—	COM	464287655
—	AbbVie, Inc.	18,219	$2.445M	0.4%	—	—	COM	00287y109
C	Citigroup	58,120	$2.422M	0.4%	—	—	COM	172967424
—	WestRock Company	77,560	$2.396M	0.4%	—	—	COM	96145d105
—	Enbridge Inc.	63,716	$2.375M	0.4%	—	—	COM	29250n105
LDOS	Leidos Holdings, Inc.	27,143	$2.374M	0.4%	—	—	COM	525327102
GILD	Gilead Sciences Inc.	38,363	$2.367M	0.4%	—	—	COM	375558103
—	Vanguard World Health Care ETF	10,501	$2.349M	0.4%	—	—	COM	92204a504
JNJ	Johnson & Johnson	14,336	$2.342M	0.4%	—	—	COM	478160104
IJH	IShares S&P Midcap 400 Index ETF	10,623	$2.329M	0.4%	—	—	COM	464287507
—	Jacobs Solutions, Inc.	20,610	$2.236M	0.4%	—	—	COM	46982l108
DIS	Walt Disney Co	23,572	$2.224M	0.4%	—	—	COM	254687106
VOE	Vanguard Mid-Cap Value ETF	18,142	$2.209M	0.4%	—	—	COM	922908512
NUE	Nucor Corp.	20,410	$2.184M	0.4%	—	—	COM	670346105
—	Fidelity National Information Services	28,875	$2.182M	0.4%	—	—	COM	31620m106
TKR	Timken Co.	36,701	$2.167M	0.4%	—	—	COM	887389104
WMB	Williams Companies	73,697	$2.11M	0.3%	—	—	COM	969457100
IJJ	IShares S&P MidCap 400/Barra Value ETF	23,144	$2.083M	0.3%	—	—	COM	464287705
LOW	Lowe's Cos	10,986	$2.063M	0.3%	—	—	COM	548661107
—	Cardinal Health	30,536	$2.036M	0.3%	—	—	COM	14149y108
—	Invesco Russell 1000 Dynamic Multi ETF	51,773	$2.022M	0.3%	—	—	COM	46138j619
JBL	Jabil Circuit, Inc.	34,880	$2.013M	0.3%	—	—	COM	466313103
CFG	Citizens Financial Group	57,442	$1.974M	0.3%	—	—	COM	174610105
—	SPDR S&P Value ETF	56,860	$1.961M	0.3%	—	—	COM	78464a508
—	Salesforce.com	13,627	$1.96M	0.3%	—	—	COM	79466l302
QQEW	First Trust NASDAQ-100 Equal Wtd ETF	23,105	$1.934M	0.3%	—	—	COM	337344105
IWR	IShares Russell Midcap Index ETF	30,835	$1.916M	0.3%	—	—	COM	464287499
GPC	Genuine Parts Co.	12,758	$1.905M	0.3%	—	—	COM	372460105
—	Vanguard Russell 1000 Growth ETF	34,802	$1.887M	0.3%	—	—	COM	92206c680
—	Garmin Ltd.	23,312	$1.872M	0.3%	—	—	COM	h2906t109
AWR	American States Water Co.	23,904	$1.863M	0.3%	—	—	COM	029899101
GIS	General Mills	24,172	$1.852M	0.3%	—	—	COM	370334104
—	SPDR S&P Dividend ETF	16,223	$1.809M	0.3%	—	—	COM	78464a763
GSIE	Goldman Sachs ActiveBeta Int'l Eq ETF	72,003	$1.782M	0.3%	—	—	COM	381430107
—	Mosaic Co.	35,817	$1.731M	0.3%	—	—	COM	61945c103
MCD	McDonalds Corp.	7,498	$1.73M	0.3%	—	—	COM	580135101
DGX	Quest Diagnostics	13,954	$1.712M	0.3%	—	—	COM	74834L100
DTE	DTE Energy	14,757	$1.698M	0.3%	—	—	COM	233331107
—	Vanguard Information Technology ETF	5,496	$1.689M	0.3%	—	—	COM	92204a702
VYM	Vanguard High Dividend Yield ETF	17,587	$1.669M	0.3%	—	—	COM	921946406
—	JPMorgan Ultra-Short Income ETF	32,400	$1.625M	0.3%	—	—	COM	46641q837
O	Realty Income Corp.	27,640	$1.609M	0.3%	—	—	COM	756109104
KMB	Kimberly Clark Corp	14,063	$1.583M	0.3%	—	—	COM	494368103
—	First Trust SMID Cap Rising Div Achv ETF	68,303	$1.58M	0.3%	—	—	COM	33741x102
ABT	Abbott Laboratories	16,089	$1.557M	0.3%	—	—	COM	002824100
DLR	Digital Realty Trust Inc.	15,623	$1.549M	0.3%	—	—	COM	253868103
VLY	Valley National Bancorp	141,850	$1.532M	0.2%	—	—	COM	919794107
—	Alphabet Inc., Cl. C	15,860	$1.525M	0.2%	—	—	COM	02079k107
NEE	NextEra Energy	19,395	$1.521M	0.2%	—	—	COM	65339F101
PG	Procter and Gamble	11,966	$1.511M	0.2%	—	—	COM	742718109
UNP	Union Pacific Corp.	7,549	$1.471M	0.2%	—	—	COM	907818108
ORI	Old Republic Nat'l. Corp.	69,291	$1.45M	0.2%	—	—	COM	680223104
KHC	Kraft Heinz Co.	43,067	$1.436M	0.2%	—	—	COM	500754106
—	Hewlett Packard Enterprise Co.	117,868	$1.412M	0.2%	—	—	COM	42824c109
DVY	IShares Select Dividend ETF	13,116	$1.406M	0.2%	—	—	COM	464287168
VUG	Vanguard Growth ETF	6,542	$1.4M	0.2%	—	—	COM	922908736
SPGP	Invesco S&P 500 GARP - ETF	18,561	$1.389M	0.2%	—	—	COM	46137V431
ELV	Elevance Health	2,999	$1.362M	0.2%	—	—	COM	036752103
—	Umpqua Holdings Corp.	78,024	$1.333M	0.2%	—	—	COM	904214103
FNF	Fidelity National Financial, Inc.	35,046	$1.269M	0.2%	—	—	COM	31620R303
PM	Philip Morris Internat'l.	15,118	$1.255M	0.2%	—	—	COM	718172109
VTV	Vanguard Value ETF	10,043	$1.24M	0.2%	—	—	COM	922908744
—	Pacer U.S. Cash Cows 100 - ETF	30,183	$1.238M	0.2%	—	—	COM	69374h881
IJS	IShares S&P SmallCap 600 Barra Value ETF	14,998	$1.237M	0.2%	—	—	COM	464287879
BKH	Black Hills Corp.	18,199	$1.233M	0.2%	—	—	COM	092113109
—	First Tr TCW Opportunistic Fixed Inc ETF	27,943	$1.217M	0.2%	—	—	COM	33740f805
—	H&E Equipment Services, Inc.	42,858	$1.215M	0.2%	—	—	COM	404030108
VEU	Vanguard FTSE All-World (ex. US) ETF	27,178	$1.206M	0.2%	—	—	COM	922042775
CI	CIGNA Corp.	4,260	$1.182M	0.2%	—	—	COM	125523100
EL	Estee Lauder Co.	5,433	$1.173M	0.2%	—	—	COM	518439104
NFG	National Fuel Gas Co.	18,878	$1.162M	0.2%	—	—	COM	636180101
—	First Trust Lunt U.S. Factor Rotation ETF	44,220	$1.157M	0.2%	—	—	COM	33733e872
QCOM	Qualcomm Inc.	10,166	$1.149M	0.2%	—	—	COM	747525103
—	Horizon Pharma PLC	18,390	$1.138M	0.2%	—	—	COM	g46188101
CALM	Cal-Maine Foods, Inc.	20,369	$1.132M	0.2%	—	—	COM	128030202
AVT	Avnet Inc.	31,321	$1.131M	0.2%	—	—	COM	053807103
—	Essentials Utilities Inc.	27,224	$1.127M	0.2%	—	—	COM	29670g102
—	First Trust Mid Cap Core AlphaDEX ETF	13,910	$1.117M	0.2%	—	—	COM	33735b108
SNA	Snap-on Incorporated	5,421	$1.092M	0.2%	—	—	COM	833034101
FITB	Fifth Third Bancorp	33,992	$1.086M	0.2%	—	—	COM	316773100
ESS	Essex Property Trust	4,475	$1.084M	0.2%	—	—	COM	297178105
MUR	Murphy Oil Corp.	30,497	$1.073M	0.2%	—	—	COM	626717102
—	Apartment Income REIT Corp.	27,596	$1.066M	0.2%	—	—	COM	03750l109
FLO	Flowers Foods, Inc.	41,966	$1.036M	0.2%	—	—	COM	343498101
OMC	Omnicom Group	16,336	$1.031M	0.2%	—	—	COM	681919106
XOM	Exxon Mobil Corp.	11,790	$1.029M	0.2%	—	—	COM	30231G102
ADP	Automatic Data Processing	4,546	$1.028M	0.2%	—	—	COM	053015103
WMT	Wal-Mart Stores	7,648	$992K	0.2%	—	—	COM	931142103
HOLX	Hologic, Inc.	15,350	$990K	0.2%	—	—	COM	436440101
JPM	J.P. Morgan Chase & Co.	9,417	$984K	0.2%	—	—	COM	46625H100
—	Allete, Inc.	19,546	$978K	0.2%	—	—	COM	018522300
BBY	Best Buy Company, Inc.	15,347	$972K	0.2%	—	—	COM	086516101
—	SPDR S&P MidCap 400 ETF	2,403	$965K	0.2%	—	—	COM	78467y107
—	Vanguard Russell 1000 Value ETF	15,717	$938K	0.2%	—	—	COM	92206c714
CAT	Caterpillar Inc.	5,692	$934K	0.2%	—	—	COM	149123101
—	WisdomTree International Hdgd Div Gr ETF	25,838	$927K	0.2%	—	—	COM	97717x594
AFL	AFLAC, Inc.	16,408	$922K	0.1%	—	—	COM	001055102
—	IShares TR Core 1-5yr Bond ETF	19,935	$919K	0.1%	—	—	COM	46432f859
VOT	Vanguard Mid-Cap Growth ETF	5,354	$913K	0.1%	—	—	COM	922908538
LLY	Lilly (Eli)	2,809	$908K	0.1%	—	—	COM	532457108
ALL	Allstate Corp.	7,194	$896K	0.1%	—	—	COM	020002101
IWS	IShares Russell Midcap Value Index ETF	9,218	$885K	0.1%	—	—	COM	464287473
—	IShares Edge MSCI USA Quality Factor ETF	8,203	$853K	0.1%	—	—	COM	46432f339
—	Microport Scientific Corp.	504,670	$843K	0.1%	—	—	COM	g60837104
SCHA	Schwab Strategic US Small-Cap ETF	22,203	$839K	0.1%	—	—	COM	808524607
VWO	Vanguard Emerging Mkts. ETF	22,539	$822K	0.1%	—	—	COM	922042858
BUSE	First Busey Corp.	36,312	$798K	0.1%	—	—	COM	319383204
CVX	Chevron Corp.	5,532	$795K	0.1%	—	—	COM	166764100
—	Visa Inc.	4,335	$770K	0.1%	—	—	COM	92826c839
SCHX	Schwab US Large-Cap ETF	17,824	$755K	0.1%	—	—	COM	808524201
—	Charter Communications, Inc.	2,390	$725K	0.1%	—	—	COM	16119p108
ITW	Illinois Tool Works	4,001	$723K	0.1%	—	—	COM	452308109
SCHM	Schwab US Mid-Cap ETF	11,843	$717K	0.1%	—	—	COM	808524508
IWN	IShares Russell 2000 Value Index ETF	5,465	$705K	0.1%	—	—	COM	464287630
IUSV	IShares Core US Value ETF	11,065	$693K	0.1%	—	—	COM	464287663
MCO	Moody's Corp.	2,840	$690K	0.1%	—	—	COM	615369105
IWF	IShares Russell 1000 Growth Index ETF	3,266	$687K	0.1%	—	—	COM	464287614
IWB	IShares Russell 1000 Index Fund ETF	3,474	$685K	0.1%	—	—	COM	464287622
MDLZ	Mondelez International, Inc.	12,405	$680K	0.1%	—	—	COM	609207105
MO	Altria Group, Inc.	16,716	$675K	0.1%	—	—	COM	02209S103
SCHG	Schwab US Large-Cap Growth ETF	11,785	$658K	0.1%	—	—	COM	808524300
—	SPDR Gold Shares ETF	4,257	$658K	0.1%	—	—	COM	78463v107
BP	BP Amoco PLC ADR	23,009	$657K	0.1%	—	—	COM	055622104
ORCL	Oracle Corp	10,707	$654K	0.1%	—	—	COM	68389X105
VZ	Verizon Communications	17,172	$652K	0.1%	—	—	COM	92343V104
SCHW	Charles Schwab Corp.	8,996	$647K	0.1%	—	—	COM	808513105
—	SPDR Dow Jones Industrial Average ETF	2,210	$635K	0.1%	—	—	COM	78467x109
TSM	Taiwan Semiconductor Mfg. Co. Ltd.	9,238	$633K	0.1%	—	—	COM	874039100
GEM	Goldman Sachs ActiveBeta Emerging Mkts ETF	24,246	$626K	0.1%	—	—	COM	381430206
ESGV	Vanguard ESG US Stock - ETF	9,600	$604K	0.1%	—	—	COM	921910733
IYH	IShares US Healthcare ETF	2,365	$598K	0.1%	—	—	COM	464287762
BDX	Becton Dickinson & Co.	2,653	$591K	0.1%	—	—	COM	075887109
—	First Trust Senior Loan Fund ETF	13,089	$577K	0.1%	—	—	COM	33738d309
AZO	AutoZone, Inc.	269	$576K	0.1%	—	—	COM	053332102
—	Invesco BulletShares 2024 Corp Bond ETF	27,888	$569K	0.1%	—	—	COM	46138j841
VNQ	Vanguard REIT ETF	7,101	$569K	0.1%	—	—	COM	922908553
BMY	Bristol-Myers Squibb	7,868	$559K	0.1%	—	—	COM	110122108
—	Constellation Brands, Inc.	2,421	$556K	0.1%	—	—	COM	21036p108
T	AT&T Inc.	35,825	$550K	0.1%	—	—	COM	00206R102
—	Medifast, Inc.	5,056	$548K	0.1%	—	—	COM	58470h101
DHR	Danaher Corp.	2,106	$544K	0.1%	—	—	COM	235851102
—	Energy Select Sector SPDR ETF	7,552	$544K	0.1%	—	—	COM	81369y506
VV	Vanguard Large Cap ETF	3,325	$544K	0.1%	—	—	COM	922908637
NVO	Novo Nordisk A.S. ADR	5,224	$520K	0.1%	—	—	COM	670100205
CL	Colgate Palmolive Co.	7,122	$500K	0.1%	—	—	COM	194162103
REZ	IShares Residential Real Estate Capped ETF	6,862	$493K	0.1%	—	—	COM	464288562
—	Invesco S&P 500 Revenue ETF	7,350	$493K	0.1%	—	—	COM	46138g698
—	First Tr Large Cap Core AlphaDex Fd ETF	6,770	$489K	0.1%	—	—	COM	33734k109
—	IShares TR Edge MSCI USA Value Factor ETF	5,875	$481K	0.1%	—	—	COM	46432f388
STT	State Street Corp.	7,900	$480K	0.1%	—	—	COM	857477103
VBR	Vanguard Small Cap Value ETF	3,335	$478K	0.1%	—	—	COM	922908611
IWY	iShares Russell Top 200 Growth ETF	3,962	$473K	0.1%	—	—	COM	464289438
IVV	IShares S&P 500 Index ETF	1,312	$470K	0.1%	—	—	COM	464287200
FNDB	Schwab Fundamental US Broad Market ETF	9,964	$470K	0.1%	—	—	COM	808524789
SO	Southern Company	6,874	$467K	0.1%	—	—	COM	842587107
COP	ConocoPhillips	4,532	$464K	0.1%	—	—	COM	20825C104
IWL	IShares - Russell 200 Index ETF	5,429	$461K	0.1%	—	—	COM	464289446
AZN	AstraZeneca PLC ADR	8,345	$458K	0.1%	—	—	COM	046353108
—	Marathon Petroleum Corp.	4,433	$440K	0.1%	—	—	COM	56585a102
SBUX	Starbucks Corp.	5,198	$438K	0.1%	—	—	COM	855244109
VEA	Vanguard Tax-Mgd Int'l Dev. Markets ETF	12,045	$438K	0.1%	—	—	COM	921943858
FSLR	First Solar, Inc.	3,268	$432K	0.1%	—	—	COM	336433107
—	Invesco Actively Mgd ETF	9,455	$431K	0.1%	—	—	COM	46090a804
—	Invesco BulletShares 2025 Corp Bond ETF	21,633	$431K	0.1%	—	—	COM	46138j825
TRV	Travelers Companies Inc.	2,790	$427K	0.1%	—	—	COM	89417E109
—	Crown Castle Int'l. Corp.	2,945	$426K	0.1%	—	—	COM	22822v101
—	Unilever PLC ADR	9,707	$426K	0.1%	—	—	COM	904767704
—	Materials Select Sector SPDR ETF	6,221	$423K	0.1%	—	—	COM	81369y100
—	Cisco Systems	10,414	$417K	0.1%	—	—	COM	17275r102
DBEF	XTrackers MSCI EAFE Hedged Equity ETF	12,447	$417K	0.1%	—	—	COM	233051200
—	WisdomTree U.S. LargeCap Dividend ETF	7,520	$416K	0.1%	—	—	COM	97717w307
CHH	Choice Hotels Internat'l., Inc.	3,800	$416K	0.1%	—	—	COM	169905106
CMI	Cummins Engine Inc.	2,010	$409K	0.1%	—	—	COM	231021106
—	Vanguard Russell 3000 ETF	2,485	$400K	0.1%	—	—	COM	92206c599
VBK	Vanguard Small Cap Growth ETF	2,034	$397K	0.1%	—	—	COM	922908595
HON	Honeywell Internat'l.	2,357	$394K	0.1%	—	—	COM	438516106
—	Health Care Select Sector SPDR ETF	3,219	$390K	0.1%	—	—	COM	81369y209
—	WisdomTree US Quality Dividend Gr ETF	7,060	$381K	0.1%	—	—	COM	97717x669
—	Global Payments Inc.	3,470	$375K	0.1%	—	—	COM	37940x102
—	Equinor ASA	11,269	$373K	0.1%	—	—	COM	29446m102
SHEL	Shell PLC ADR	7,329	$365K	0.1%	—	—	COM	780259305
—	First Trust Managed Municipal ETF	7,281	$355K	0.1%	—	—	COM	33739n108
UPS	United Parcel Service, Inc.	2,167	$350K	0.1%	—	—	COM	911312106
—	T. Rowe Price Dividend Growth ETF	12,162	$346K	0.1%	—	—	COM	87283q404
—	Truist Financial Corp.	7,940	$346K	0.1%	—	—	COM	89832q109
—	Duke Energy Corp	3,713	$345K	0.1%	—	—	COM	26441c204
MUB	iShares National Muni Bond ETF	3,355	$344K	0.1%	—	—	COM	464288414
IBM	I.B.M.	2,891	$343K	0.1%	—	—	COM	459200101
—	Technology Select Sector SPDR ETF	2,848	$338K	0.1%	—	—	COM	81369y803
BSV	Vanguard Short-Term Bond ETF	4,512	$338K	0.1%	—	—	COM	921937827
WM	Waste Management, Inc.	2,098	$336K	0.1%	—	—	COM	94106L109
DEO	Diageo PLC ADR	1,939	$329K	0.1%	—	—	COM	25243Q205
—	3M Company	2,960	$327K	0.1%	—	—	COM	88579y101
—	Raytheon Technologies Corp.	3,991	$327K	0.1%	—	—	COM	75513e101
—	Walgreen Boots Alliance Inc.	10,386	$326K	0.1%	—	—	COM	931427108
—	Eaton Corp., PLC	2,389	$319K	0.1%	—	—	COM	g29183103
NSC	Norfolk Southern Corp.	1,511	$317K	0.1%	—	—	COM	655844108
—	First Trust NYSE Arca Biotech ETF	2,395	$316K	0.1%	—	—	COM	33733e203
VOOV	Vanguard S&P 500 Value ETF	2,543	$316K	0.1%	—	—	COM	921932703
—	Industrial Select Sector SPDR ETF	3,790	$314K	0.1%	—	—	COM	81369y704
INFY	Infosys Technologies, Ltd.	18,260	$310K	0.1%	—	—	COM	456788108
INTC	Intel Corp.	11,940	$308K	0.0%	—	—	COM	458140100
CAR	Avis Budget Group, Inc.	2,060	$306K	0.0%	—	—	COM	053774105
MAS	Masco Corp.	6,538	$305K	0.0%	—	—	COM	574599106
AMGN	Amgen, Inc.	1,354	$305K	0.0%	—	—	COM	031162100
—	Laboratory Corp. Am. Hldgs.	1,485	$304K	0.0%	—	—	COM	50540r409
LOGI	Logitech Internat'l. SA	6,484	$298K	0.0%	—	—	COM	H50430232
EMR	Emerson Electric Co.	4,076	$298K	0.0%	—	—	COM	291011104
LMT	Lockheed Martin Corp.	769	$297K	0.0%	—	—	COM	539830109
IYR	IShares US Real Estate ETF	3,651	$297K	0.0%	—	—	COM	464287739
LHX	L3Harris Technologies	1,425	$296K	0.0%	—	—	COM	502431109
PRU	Prudential Financial, Inc.	3,443	$295K	0.0%	—	—	COM	744320102
BMO	Bank of Montreal	3,345	$293K	0.0%	—	—	COM	063671101
AJG	Gallagher, Arthur J & Co.	1,700	$291K	0.0%	—	—	COM	363576109
APD	Air Products & Chem	1,243	$289K	0.0%	—	—	COM	009158106
—	Novartis AG ADR	3,778	$287K	0.0%	—	—	COM	66987v109
NOC	Northrop Grumman	601	$283K	0.0%	—	—	COM	666807102
—	PacWest Bancorp	12,213	$276K	0.0%	—	—	COM	695263103
MGK	Vanguard Mega Cap Growth ETF	1,553	$271K	0.0%	—	—	COM	921910816
—	Coca Cola European Partners PLC	6,367	$271K	0.0%	—	—	COM	g25839104
BAC	Bank of America	8,865	$268K	0.0%	—	—	COM	060505104
—	Eversource Energy Com.	3,431	$267K	0.0%	—	—	COM	30040w108
ADBE	Adobe Systems, Inc.	972	$267K	0.0%	—	—	COM	00724F101
ICF	IShares Cohen & Steers REIT ETF	4,912	$264K	0.0%	—	—	COM	464287564
WDFC	W D 40 Co.	1,489	$262K	0.0%	—	—	COM	929236107
AMAT	Applied Materials	3,193	$262K	0.0%	—	—	COM	038222105
—	ProShares S&P MidCap 400 Dividend Aristo.	4,033	$260K	0.0%	—	—	COM	74347b680
TGT	Target Corp.	1,739	$258K	0.0%	—	—	COM	87612E106
AEE	Ameren Corp.	3,196	$257K	0.0%	—	—	COM	023608102
ARW	Arrow Electronics	2,750	$254K	0.0%	—	—	COM	042735100
YUM	Yum Brands, Inc.	2,336	$248K	0.0%	—	—	COM	988498101
HRL	Hormel Foods Corp.	5,450	$248K	0.0%	—	—	COM	440452100
ALB	Albemarle Corp.	935	$247K	0.0%	—	—	COM	012653101
—	iShares MSCI Multifactor USA Small-Cap ETF	5,505	$246K	0.0%	—	—	COM	46434v290
—	GlaxoSmithKline PLC	8,339	$245K	0.0%	—	—	COM	37733w204
AEP	American Electric Power	2,823	$244K	0.0%	—	—	COM	025537101
IWD	IShares Russell 1000 Value Index ETF	1,785	$243K	0.0%	—	—	COM	464287598
VXF	Vanguard Extended Market ETF	1,900	$242K	0.0%	—	—	COM	922908652
AMD	Advanced Micro Devices	3,805	$241K	0.0%	—	—	COM	007903107
—	FlexShares Quality Dividend ETF	5,040	$238K	0.0%	—	—	COM	33939l860
—	Dimensional US Marketwide Value - ETF	7,982	$236K	0.0%	—	—	COM	25434v724
NGG	National Grid PLC ADR	4,558	$235K	0.0%	—	—	COM	636274409
CM	Canadian Imperial Bank of Commerce	5,349	$234K	0.0%	—	—	COM	136069101
NSRGY	Nestle SA ADR	2,141	$230K	0.0%	—	—	COM	641069406
BHP	BHP Billiton, Ltd. ADR	4,592	$230K	0.0%	—	—	COM	088606108
—	First TR. Ex. Tr. FD N. American Energy	9,169	$228K	0.0%	—	—	COM	33738d101
—	Financial Select Sector SPDR ETF	7,459	$226K	0.0%	—	—	COM	81369y605
—	SPDR S&P Emerging Markets ETF	7,270	$226K	0.0%	—	—	COM	78463x509
—	Tri-Continental Corp.	8,807	$225K	0.0%	—	—	COM	895436103
OSK	Oshkosh Corp.	3,200	$225K	0.0%	—	—	COM	688239201
ITOT	IShares Tr. S&P 1500 Index ETF	2,825	$225K	0.0%	—	—	COM	464287150
—	Anheuser Busch Co.	4,963	$224K	0.0%	—	—	COM	03524a108
PKG	Packaging Corp. of America	1,980	$222K	0.0%	—	—	COM	695156109
EFA	IShares MSCI EAFE ETF	3,932	$220K	0.0%	—	—	COM	464287465
—	Linde PLC	810	$218K	0.0%	—	—	COM	g5494j103
EW	Edwards Lifesciences Corp.	2,616	$216K	0.0%	—	—	COM	28176E108
MS	Morgan Stanley	2,720	$215K	0.0%	—	—	COM	617446448
SLF	Sun Life Financial, Inc.	5,387	$214K	0.0%	—	—	COM	866796105
PNC	PNC Financial Svcs.	1,410	$211K	0.0%	—	—	COM	693475105
—	Pacer Global Cash Cows Dividend ETF	7,887	$211K	0.0%	—	—	COM	69374h709
CE	Celanese Corp.	2,330	$210K	0.0%	—	—	COM	150870103
—	Monster Beverage Corp.	2,370	$206K	0.0%	—	—	COM	61174x109
RIO	Rio Tinto PLC ADR F	3,697	$204K	0.0%	—	—	COM	767204100
—	Moderna Inc.	1,726	$204K	0.0%	—	—	COM	60770k107
BALL	Ball Corp.	4,184	$202K	0.0%	—	—	COM	058498106
—	Apartment Invt. & Mgmt Co. (AIMCO)	27,596	$201K	0.0%	—	—	COM	03748r747
CSX	CSX Corp.	7,509	$200K	0.0%	—	—	COM	126408103
F	Ford Motor Company	16,835	$189K	0.0%	—	—	COM	345370860
—	Kronos Worldwide, Inc.	19,074	$178K	0.0%	—	—	COM	50105f105
GGB	Gerdau SA ADR	37,928	$171K	0.0%	—	—	COM	373737105
MHGVY	Mowi ASA ADR	13,456	$171K	0.0%	—	—	COM	624678108
—	Vodafone Group PLC ADR	15,043	$170K	0.0%	—	—	COM	92857w308
TAK	Takeda Pharmaceutical Co.	12,871	$167K	0.0%	—	—	COM	874060205
—	Eaton Vance Municipal Income TR	16,584	$162K	0.0%	—	—	COM	27826u108
VLVLY	AB Volvo ADR	11,533	$162K	0.0%	—	—	COM	928854108
—	Ping An Insurance Company of China ADR	15,935	$158K	0.0%	—	—	COM	72341e304
—	UBS Group AG	10,363	$150K	0.0%	—	—	COM	h42097107
MUFG	Mitsubishi UFJ Fin'l. Grp. ADR	31,173	$140K	0.0%	—	—	COM	606822104
ISUZY	Isuzu Motors Ltd.	11,866	$131K	0.0%	—	—	COM	465254209
—	Amyris, Inc.	10,450	$31,000	0.0%	—	—	COM	03236m200
—	Debt Resolve Inc.	100,000	$0	0.0%	—	—	COM	24276r206