Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	Apple Inc.	172,928	$22.47M	3.2%	—	—	COM	037833100
VTI	Vanguard Total Stock Market ETF	83,649	$15.99M	2.2%	—	—	COM	922908769
MSFT	Microsoft Corporation	54,232	$13.01M	1.8%	—	—	COM	594918104
ADM	Archer Daniels Midland	136,386	$12.66M	1.8%	—	—	COM	039483102
VIG	Vanguard Dividend Appreciation ETF	82,780	$12.57M	1.8%	—	—	COM	921908844
SCHD	Schwab US Div Equity ETF	157,629	$11.91M	1.7%	—	—	COM	808524797
—	Broadcom Inc.	18,686	$10.45M	1.5%	—	—	COM	11135f101
CVS	CVS Health Corp.	110,514	$10.3M	1.4%	—	—	COM	126650100
MGC	Vanguard Mega Cap ETF	74,947	$9.923M	1.4%	—	—	COM	921910873
TMO	Thermo Fisher Scientific, Inc.	17,978	$9.9M	1.4%	—	—	COM	883556102
—	Alphabet Inc., Cl. A	104,062	$9.181M	1.3%	—	—	COM	02079k305
URI	United Rentals, Inc.	25,664	$9.121M	1.3%	—	—	COM	911363109
COST	Costco Wholesale Corp.	19,692	$8.989M	1.3%	—	—	COM	22160K105
HD	Home Depot, Inc.	27,503	$8.687M	1.2%	—	—	COM	437076102
—	HCA Healthcare Co.	36,026	$8.645M	1.2%	—	—	COM	40412c101
GILD	Gilead Sciences Inc.	100,677	$8.643M	1.2%	—	—	COM	375558103
—	Nvidia Corp.	57,551	$8.411M	1.2%	—	—	COM	67066g104
—	Invesco S&P 500 Quality ETF A	190,186	$8.368M	1.2%	—	—	COM	46137v241
—	MasterCard, Inc.	23,870	$8.3M	1.2%	—	—	COM	57636q104
—	Cheniere Energy, Inc	54,923	$8.236M	1.2%	—	—	COM	16411r208
AMZN	Amazon.Com Inc.	96,804	$8.132M	1.1%	—	—	COM	023135106
MCHP	Microchip Technology, Inc.	114,124	$8.017M	1.1%	—	—	COM	595017104
DE	Deere & Co.	18,359	$7.872M	1.1%	—	—	COM	244199105
—	UnitedHealth Group	14,521	$7.699M	1.1%	—	—	COM	91324p102
DVN	Devon Energy Corp.	118,518	$7.29M	1.0%	—	—	COM	25179M103
FDL	First Trust Morningstar Div Leaders ETF	199,259	$7.285M	1.0%	—	—	COM	336917109
—	Blackstone Group Inc. Cl. A	96,258	$7.141M	1.0%	—	—	COM	09260d107
—	LAM Research Corp.	15,986	$6.719M	0.9%	—	—	COM	512807108
—	Intercontinental Exchange Group	65,337	$6.703M	0.9%	—	—	COM	45866f104
FISV	Fiserv, Inc.	65,936	$6.664M	0.9%	—	—	COM	337738108
CMG	Chipotle Mexican Grill, A	4,751	$6.592M	0.9%	—	—	COM	169656105
—	Vanguard Russell 1000 ETF	36,463	$6.354M	0.9%	—	—	COM	92206c730
VO	Vanguard Mid Cap ETF	29,392	$5.99M	0.8%	—	—	COM	922908629
GSLC	Goldman Sachs ActiveBeta US LargeCp Eq ETF	78,004	$5.938M	0.8%	—	—	COM	381430503
—	Regeneron Pharmaceuticals	8,016	$5.783M	0.8%	—	—	COM	75886f107
—	Merck & Co Inc.	47,464	$5.266M	0.7%	—	—	COM	58933y105
—	Invesco S&P 500 Low Volatility ETF	81,052	$5.179M	0.7%	—	—	COM	46138e354
SHW	Sherwin Williams Company	20,469	$4.858M	0.7%	—	—	COM	824348106
—	Pacer U.S. Cash Cows 100 - ETF	102,670	$4.749M	0.7%	—	—	COM	69374h881
DIS	Walt Disney Co	53,691	$4.665M	0.7%	—	—	COM	254687106
—	IShares MSCI USA Momentum Factor ETF	30,935	$4.514M	0.6%	—	—	COM	46432f396
VB	Vanguard Index Small Cap ETF	24,082	$4.42M	0.6%	—	—	COM	922908751
—	IShares MSCI USA Minimum Volatility ETF	60,883	$4.39M	0.6%	—	—	COM	46429b697
—	American Tower Corp.	19,862	$4.208M	0.6%	—	—	COM	03027x100
BRK/B	Berkshire Hathaway, Cl. B	13,580	$4.195M	0.6%	—	—	COM	084670702
IJR	IShares S&P SmallCap 600 Index ETF	44,247	$4.188M	0.6%	—	—	COM	464287804
PFE	Pfizer, Inc.	78,798	$4.038M	0.6%	—	—	COM	717081103
OC	Owens Corning	46,577	$3.973M	0.6%	—	—	COM	690742101
VOOG	Vanguard S&P 500 Growth ETF	18,780	$3.961M	0.6%	—	—	COM	921932505
—	ProShares S&P 500 Dividend Aristocrats ETF	43,924	$3.953M	0.6%	—	—	COM	74348a467
SPGP	Invesco S&P 500 GARP - ETF	47,297	$3.907M	0.5%	—	—	COM	46137V431
FTCS	First Trust Capital Strength ETF	51,579	$3.866M	0.5%	—	—	COM	33733E104
—	First Trust Value Line Dividend ETF	95,002	$3.792M	0.5%	—	—	COM	33734h106
SPY	SPDR S&P 500 ETF	9,879	$3.778M	0.5%	—	—	COM	78462F103
—	W. P. Carey Inc.	47,861	$3.74M	0.5%	—	—	COM	92936u109
—	SPDR S&P Value ETF	91,215	$3.547M	0.5%	—	—	COM	78464a508
—	WestRock Company	99,380	$3.494M	0.5%	—	—	COM	96145d105
—	First Trust Rising Dividend Achievers ETF	77,774	$3.416M	0.5%	—	—	COM	33738r506
KO	Coca Cola	53,193	$3.384M	0.5%	—	—	COM	191216100
PEP	PepsiCo Inc	18,390	$3.322M	0.5%	—	—	COM	713448108
IWV	IShares Russell 3000 Index ETF	14,994	$3.309M	0.5%	—	—	COM	464287689
—	S&P Global, Inc.	9,860	$3.303M	0.5%	—	—	COM	78409v104
RPM	RPM Inc. Ohio	33,406	$3.255M	0.5%	—	—	COM	749685103
—	AbbVie, Inc.	19,548	$3.159M	0.4%	—	—	COM	00287y109
—	Invesco Russell 1000 Dynamic Multi ETF	69,688	$2.992M	0.4%	—	—	COM	46138j619
NUE	Nucor Corp.	22,335	$2.944M	0.4%	—	—	COM	670346105
—	Regions Financial Corp.	135,214	$2.915M	0.4%	—	—	COM	7591ep100
LDOS	Leidos Holdings, Inc.	27,397	$2.882M	0.4%	—	—	COM	525327102
—	Quanta Services, Inc.	20,005	$2.851M	0.4%	—	—	COM	74762e102
SCHB	Schwab US Broad Market ETF	62,955	$2.821M	0.4%	—	—	COM	808524102
PAYX	PayChex Inc.	24,166	$2.793M	0.4%	—	—	COM	704326107
—	Enbridge Inc.	71,335	$2.786M	0.4%	—	—	COM	29250n105
JNJ	Johnson & Johnson	15,701	$2.774M	0.4%	—	—	COM	478160104
IJH	IShares S&P Midcap 400 Index ETF	10,958	$2.651M	0.4%	—	—	COM	464287507
TKR	Timken Co.	37,362	$2.64M	0.4%	—	—	COM	887389104
—	Vanguard World Health Care ETF	10,461	$2.595M	0.4%	—	—	COM	92204a504
IJJ	IShares S&P MidCap 400/Barra Value ETF	25,032	$2.523M	0.4%	—	—	COM	464287705
DGX	Quest Diagnostics	16,126	$2.523M	0.4%	—	—	COM	74834L100
—	Jacobs Solutions, Inc.	20,940	$2.514M	0.4%	—	—	COM	46982l108
VOO	Vanguard S&P 500 ETF	7,117	$2.501M	0.4%	—	—	COM	922908363
WMB	Williams Companies	75,494	$2.484M	0.3%	—	—	COM	969457100
—	First TR Global Tactical Commodity ETF	100,390	$2.459M	0.3%	—	—	COM	33739h101
VOE	Vanguard Mid-Cap Value ETF	17,915	$2.423M	0.3%	—	—	COM	922908512
—	Invesco QQQ Tr Unit Ser. 1 ETF	8,801	$2.343M	0.3%	—	—	COM	46090e103
JBL	Jabil Circuit, Inc.	34,030	$2.321M	0.3%	—	—	COM	466313103
—	Cardinal Health	30,154	$2.318M	0.3%	—	—	COM	14149y108
MCD	McDonalds Corp.	8,703	$2.293M	0.3%	—	—	COM	580135101
CFG	Citizens Financial Group	58,072	$2.286M	0.3%	—	—	COM	174610105
PG	Procter and Gamble	14,906	$2.259M	0.3%	—	—	COM	742718109
AWR	American States Water Co.	24,389	$2.257M	0.3%	—	—	COM	029899101
MU	Micron Technology, Inc.	44,557	$2.227M	0.3%	—	—	COM	595112103
GSIE	Goldman Sachs ActiveBeta Int'l Eq ETF	76,948	$2.215M	0.3%	—	—	COM	381430107
VYM	Vanguard High Dividend Yield ETF	20,437	$2.211M	0.3%	—	—	COM	921946406
—	JPMorgan Ultra-Short Income ETF	43,945	$2.203M	0.3%	—	—	COM	46641q837
—	Garmin Ltd.	23,862	$2.202M	0.3%	—	—	COM	h2906t109
GPC	Genuine Parts Co.	12,477	$2.165M	0.3%	—	—	COM	372460105
—	Vanguard Russell 1000 Growth ETF	39,132	$2.157M	0.3%	—	—	COM	92206c680
LOW	Lowe's Cos	10,762	$2.144M	0.3%	—	—	COM	548661107
—	Meta Platforms, Inc.	17,461	$2.101M	0.3%	—	—	COM	30303m102
GIS	General Mills	25,009	$2.097M	0.3%	—	—	COM	370334104
IWR	IShares Russell Midcap Index ETF	30,955	$2.088M	0.3%	—	—	COM	464287499
QQEW	First Trust NASDAQ-100 Equal Wtd ETF	23,105	$2.051M	0.3%	—	—	COM	337344105
—	SPDR S&P Dividend ETF	16,223	$2.03M	0.3%	—	—	COM	78464a763
—	H&E Equipment Services, Inc.	42,866	$1.946M	0.3%	—	—	COM	404030108
KHC	Kraft Heinz Co.	47,494	$1.933M	0.3%	—	—	COM	500754106
—	Hewlett Packard Enterprise Co.	120,430	$1.922M	0.3%	—	—	COM	42824c109
O	Realty Income Corp.	29,643	$1.88M	0.3%	—	—	COM	756109104
—	Salesforce.com	14,119	$1.872M	0.3%	—	—	COM	79466l302
DTE	DTE Energy	15,525	$1.825M	0.3%	—	—	COM	233331107
C	Citigroup	40,160	$1.816M	0.3%	—	—	COM	172967424
ABT	Abbott Laboratories	16,264	$1.786M	0.3%	—	—	COM	002824100
IWM	IShares Russell 2000 Index ETF	10,223	$1.783M	0.3%	—	—	COM	464287655
VLY	Valley National Bancorp	153,287	$1.734M	0.2%	—	—	COM	919794107
—	Vanguard Information Technology ETF	5,421	$1.732M	0.2%	—	—	COM	92204a702
KMB	Kimberly Clark Corp	12,744	$1.73M	0.2%	—	—	COM	494368103
DVY	IShares Select Dividend ETF	14,306	$1.725M	0.2%	—	—	COM	464287168
ORI	Old Republic Nat'l. Corp.	70,770	$1.709M	0.2%	—	—	COM	680223104
DLR	Digital Realty Trust Inc.	17,040	$1.709M	0.2%	—	—	COM	253868103
—	First Trust SMID Cap Rising Div Achv ETF	65,297	$1.701M	0.2%	—	—	COM	33741x102
MUR	Murphy Oil Corp.	38,706	$1.665M	0.2%	—	—	COM	626717102
—	Mosaic Co.	37,284	$1.636M	0.2%	—	—	COM	61945c103
BUSE	First Busey Corp.	65,213	$1.612M	0.2%	—	—	COM	319383204
SNA	Snap-on Incorporated	7,055	$1.612M	0.2%	—	—	COM	833034101
—	Essentials Utilities Inc.	33,468	$1.597M	0.2%	—	—	COM	29670g102
NEE	NextEra Energy	19,076	$1.595M	0.2%	—	—	COM	65339F101
PM	Philip Morris Internat'l.	15,297	$1.548M	0.2%	—	—	COM	718172109
QCOM	Qualcomm Inc.	13,955	$1.534M	0.2%	—	—	COM	747525103
XOM	Exxon Mobil Corp.	13,866	$1.529M	0.2%	—	—	COM	30231G102
CAT	Caterpillar Inc.	6,238	$1.494M	0.2%	—	—	COM	149123101
AVT	Avnet Inc.	35,626	$1.481M	0.2%	—	—	COM	053807103
UNP	Union Pacific Corp.	7,079	$1.466M	0.2%	—	—	COM	907818108
ELV	Elevance Health	2,845	$1.459M	0.2%	—	—	COM	036752103
WMT	Wal-Mart Stores	10,179	$1.443M	0.2%	—	—	COM	931142103
—	Alphabet Inc., Cl. C	16,102	$1.429M	0.2%	—	—	COM	02079k107
—	Global Payments Inc.	14,205	$1.411M	0.2%	—	—	COM	37940x102
—	Umpqua Holdings Corp.	78,977	$1.41M	0.2%	—	—	COM	904214103
OMC	Omnicom Group	17,173	$1.401M	0.2%	—	—	COM	681919106
IJS	IShares S&P SmallCap 600 Barra Value ETF	15,240	$1.392M	0.2%	—	—	COM	464287879
CI	CIGNA Corp.	4,184	$1.386M	0.2%	—	—	COM	125523100
VTV	Vanguard Value ETF	9,673	$1.358M	0.2%	—	—	COM	922908744
—	Allete, Inc.	20,920	$1.35M	0.2%	—	—	COM	018522300
VUG	Vanguard Growth ETF	6,302	$1.343M	0.2%	—	—	COM	922908736
ADP	Automatic Data Processing	5,614	$1.341M	0.2%	—	—	COM	053015103
—	Microport Scientific Corp.	504,670	$1.337M	0.2%	—	—	COM	g60837104
JPM	J.P. Morgan Chase & Co.	9,926	$1.331M	0.2%	—	—	COM	46625H100
BBY	Best Buy Company, Inc.	16,239	$1.303M	0.2%	—	—	COM	086516101
NFG	National Fuel Gas Co.	20,479	$1.296M	0.2%	—	—	COM	636180101
BKH	Black Hills Corp.	18,199	$1.28M	0.2%	—	—	COM	092113109
VEU	Vanguard FTSE All-World (ex. US) ETF	25,396	$1.273M	0.2%	—	—	COM	922042775
FLO	Flowers Foods, Inc.	44,079	$1.267M	0.2%	—	—	COM	343498101
LLY	Lilly (Eli)	3,420	$1.251M	0.2%	—	—	COM	532457108
—	SPDR Dow Jones Industrial Average ETF	3,717	$1.232M	0.2%	—	—	COM	78467x109
—	First Trust Mid Cap Core AlphaDEX ETF	13,910	$1.222M	0.2%	—	—	COM	33735b108
—	First Tr TCW Opportunistic Fixed Inc ETF	27,593	$1.212M	0.2%	—	—	COM	33740f805
CALM	Cal-Maine Foods, Inc.	21,882	$1.191M	0.2%	—	—	COM	128030202
—	iShares MSCI Multifactor USA Small-Cap ETF	23,737	$1.179M	0.2%	—	—	COM	46434v290
AZN	AstraZeneca PLC ADR	16,921	$1.147M	0.2%	—	—	COM	046353108
HOLX	Hologic, Inc.	15,130	$1.132M	0.2%	—	—	COM	436440101
FNF	Fidelity National Financial, Inc.	29,982	$1.128M	0.2%	—	—	COM	31620R303
FITB	Fifth Third Bancorp	33,939	$1.114M	0.2%	—	—	COM	316773100
AFL	AFLAC, Inc.	15,008	$1.08M	0.2%	—	—	COM	001055102
CVX	Chevron Corp.	6,006	$1.078M	0.2%	—	—	COM	166764100
—	SPDR S&P MidCap 400 ETF	2,403	$1.064M	0.1%	—	—	COM	78467y107
IWN	IShares Russell 2000 Value Index ETF	7,663	$1.063M	0.1%	—	—	COM	464287630
BP	BP Amoco PLC ADR	30,126	$1.052M	0.1%	—	—	COM	055622104
—	IShares TR Core 1-5yr Bond ETF	21,970	$1.02M	0.1%	—	—	COM	46432f859
EL	Estee Lauder Co.	4,093	$1.016M	0.1%	—	—	COM	518439104
IBM	I.B.M.	7,199	$1.014M	0.1%	—	—	COM	459200101
—	Cisco Systems	20,943	$998K	0.1%	—	—	COM	17275r102
IWS	IShares Russell Midcap Value Index ETF	9,314	$981K	0.1%	—	—	COM	464287473
—	Vanguard Russell 1000 Value ETF	14,687	$978K	0.1%	—	—	COM	92206c714
—	Apartment Income REIT Corp.	27,596	$947K	0.1%	—	—	COM	03750l109
IWY	iShares Russell Top 200 Growth ETF	7,855	$947K	0.1%	—	—	COM	464289438
—	Eaton Corp., PLC	6,008	$943K	0.1%	—	—	COM	g29183103
ESS	Essex Property Trust	4,444	$942K	0.1%	—	—	COM	297178105
VOT	Vanguard Mid-Cap Growth ETF	5,234	$941K	0.1%	—	—	COM	922908538
ORCL	Oracle Corp	11,423	$934K	0.1%	—	—	COM	68389X105
—	WisdomTree International Hdgd Div Gr ETF	25,775	$918K	0.1%	—	—	COM	97717x594
CMI	Cummins Engine Inc.	3,778	$915K	0.1%	—	—	COM	231021106
ALL	Allstate Corp.	6,714	$910K	0.1%	—	—	COM	020002101
—	IShares Edge MSCI USA Quality Factor ETF	7,958	$907K	0.1%	—	—	COM	46432f339
—	Visa Inc.	4,335	$901K	0.1%	—	—	COM	92826c839
SCHA	Schwab Strategic US Small-Cap ETF	22,203	$899K	0.1%	—	—	COM	808524607
ITW	Illinois Tool Works	4,001	$881K	0.1%	—	—	COM	452308109
MDLZ	Mondelez International, Inc.	12,405	$827K	0.1%	—	—	COM	609207105
WSC	WillScot Mobile Mini Hldgs Corp, Cl. A	17,749	$802K	0.1%	—	—	COM	971378104
—	Tesla Motors Inc.	6,408	$789K	0.1%	—	—	COM	88160r101
IUSV	IShares Core US Value ETF	11,065	$782K	0.1%	—	—	COM	464287663
SCHM	Schwab US Mid-Cap ETF	11,843	$777K	0.1%	—	—	COM	808524508
SCHW	Charles Schwab Corp.	9,254	$771K	0.1%	—	—	COM	808513105
MO	Altria Group, Inc.	16,830	$769K	0.1%	—	—	COM	02209S103
SCHX	Schwab US Large-Cap ETF	16,824	$760K	0.1%	—	—	COM	808524201
TSM	Taiwan Semiconductor Mfg. Co. Ltd.	10,078	$751K	0.1%	—	—	COM	874039100
IWB	IShares Russell 1000 Index Fund ETF	3,475	$731K	0.1%	—	—	COM	464287622
IWF	IShares Russell 1000 Growth Index ETF	3,396	$728K	0.1%	—	—	COM	464287614
AMD	Advanced Micro Devices	11,189	$725K	0.1%	—	—	COM	007903107
COP	ConocoPhillips	6,057	$715K	0.1%	—	—	COM	20825C104
—	Energy Select Sector SPDR ETF	8,150	$713K	0.1%	—	—	COM	81369y506
—	SPDR Gold Shares ETF	4,197	$712K	0.1%	—	—	COM	78463v107
VWO	Vanguard Emerging Mkts. ETF	18,192	$709K	0.1%	—	—	COM	922042858
BMY	Bristol-Myers Squibb	9,810	$706K	0.1%	—	—	COM	110122108
—	Medifast, Inc.	6,092	$703K	0.1%	—	—	COM	58470h101
NVO	Novo Nordisk A.S. ADR	5,188	$702K	0.1%	—	—	COM	670100205
BDX	Becton Dickinson & Co.	2,727	$693K	0.1%	—	—	COM	075887109
VZ	Verizon Communications	17,452	$688K	0.1%	—	—	COM	92343V104
—	ProShares S&P MidCap 400 Dividend Aristo.	9,456	$677K	0.1%	—	—	COM	74347b680
MCO	Moody's Corp.	2,420	$674K	0.1%	—	—	COM	615369105
IYH	IShares US Healthcare ETF	2,365	$671K	0.1%	—	—	COM	464287762
T	AT&T Inc.	35,638	$656K	0.1%	—	—	COM	00206R102
SCHG	Schwab US Large-Cap Growth ETF	11,785	$655K	0.1%	—	—	COM	808524300
VBR	Vanguard Small Cap Value ETF	4,000	$635K	0.1%	—	—	COM	922908611
—	Unilever PLC ADR	12,307	$620K	0.1%	—	—	COM	904767704
ESGV	Vanguard ESG US Stock - ETF	9,367	$617K	0.1%	—	—	COM	921910733
DHR	Danaher Corp.	2,275	$604K	0.1%	—	—	COM	235851102
GEM	Goldman Sachs ActiveBeta Emerging Mkts ETF	21,040	$596K	0.1%	—	—	COM	381430206
VV	Vanguard Large Cap ETF	3,325	$579K	0.1%	—	—	COM	922908637
CL	Colgate Palmolive Co.	7,297	$575K	0.1%	—	—	COM	194162103
—	Invesco BulletShares 2024 Corp Bond ETF	27,888	$571K	0.1%	—	—	COM	46138j841
—	First Trust Senior Loan Fund ETF	12,261	$547K	0.1%	—	—	COM	33738d309
—	Constellation Brands, Inc.	2,349	$544K	0.1%	—	—	COM	21036p108
STT	State Street Corp.	7,000	$543K	0.1%	—	—	COM	857477103
—	First Tr Large Cap Core AlphaDex Fd ETF	6,770	$542K	0.1%	—	—	COM	33734k109
—	Invesco S&P 500 Revenue ETF	7,300	$540K	0.1%	—	—	COM	46138g698
SBUX	Starbucks Corp.	5,417	$537K	0.1%	—	—	COM	855244109
VNQ	Vanguard REIT ETF	6,477	$534K	0.1%	—	—	COM	922908553
—	IShares Core MSCI Total Int'l Stk ETF	9,171	$531K	0.1%	—	—	COM	46432f834
FNDB	Schwab Fundamental US Broad Market ETF	9,964	$524K	0.1%	—	—	COM	808524789
TRV	Travelers Companies Inc.	2,790	$523K	0.1%	—	—	COM	89417E109
HON	Honeywell Internat'l.	2,439	$523K	0.1%	—	—	COM	438516106
—	Marathon Petroleum Corp.	4,384	$510K	0.1%	—	—	COM	56585a102
INTC	Intel Corp.	19,130	$506K	0.1%	—	—	COM	458140100
VEA	Vanguard Tax-Mgd Int'l Dev. Markets ETF	12,045	$506K	0.1%	—	—	COM	921943858
IVV	IShares S&P 500 Index ETF	1,312	$504K	0.1%	—	—	COM	464287200
SO	Southern Company	7,042	$503K	0.1%	—	—	COM	842587107
WM	Waste Management, Inc.	3,140	$493K	0.1%	—	—	COM	94106L109
FSLR	First Solar, Inc.	3,268	$490K	0.1%	—	—	COM	336433107
IWL	IShares - Russell 200 Index ETF	5,429	$488K	0.1%	—	—	COM	464289446
AZO	AutoZone, Inc.	198	$488K	0.1%	—	—	COM	053332102
RIO	Rio Tinto PLC ADR F	6,797	$484K	0.1%	—	—	COM	767204100
—	Raytheon Technologies Corp.	4,710	$475K	0.1%	—	—	COM	75513e101
REZ	IShares Residential Real Estate Capped ETF	6,862	$469K	0.1%	—	—	COM	464288562
BRK/A	Berkshire Hathaway, Cl. A	1	$469K	0.1%	—	—	COM	084670108
—	WisdomTree U.S. LargeCap Dividend ETF	7,520	$466K	0.1%	—	—	COM	97717w307
—	Dimensional US Marketwide Value - ETF	13,660	$457K	0.1%	—	—	COM	25434v724
—	3M Company	3,760	$451K	0.1%	—	—	COM	88579y101
LMT	Lockheed Martin Corp.	907	$441K	0.1%	—	—	COM	539830109
—	Invesco BulletShares 2025 Corp Bond ETF	21,633	$436K	0.1%	—	—	COM	46138j825
SAIA	Saia, Inc.	2,060	$432K	0.1%	—	—	COM	78709Y105
—	Health Care Select Sector SPDR ETF	3,167	$430K	0.1%	—	—	COM	81369y209
CHH	Choice Hotels Internat'l., Inc.	3,800	$428K	0.1%	—	—	COM	169905106
—	Vanguard Russell 3000 ETF	2,485	$427K	0.1%	—	—	COM	92206c599
—	WisdomTree US Quality Dividend Gr ETF	7,060	$426K	0.1%	—	—	COM	97717x669
—	Materials Select Sector SPDR ETF	5,401	$420K	0.1%	—	—	COM	81369y100
SHEL	Shell PLC ADR	7,268	$414K	0.1%	—	—	COM	780259305
LOGI	Logitech Internat'l. SA	6,484	$404K	0.1%	—	—	COM	H50430232
—	Equinor ASA	11,269	$404K	0.1%	—	—	COM	29446m102
AMGN	Amgen, Inc.	1,529	$402K	0.1%	—	—	COM	031162100
UPS	United Parcel Service, Inc.	2,280	$396K	0.1%	—	—	COM	911312106
—	First TR. Ex. Tr. FD N. American Energy	14,784	$395K	0.1%	—	—	COM	33738d101
APD	Air Products & Chem	1,277	$394K	0.1%	—	—	COM	009158106
—	Invesco Actively Mgd ETF	8,450	$393K	0.1%	—	—	COM	46090a804
—	Walgreen Boots Alliance Inc.	10,386	$388K	0.1%	—	—	COM	931427108
—	Pacer Global Cash Cows Dividend ETF	12,120	$385K	0.1%	—	—	COM	69374h709
—	T. Rowe Price Dividend Growth ETF	12,162	$382K	0.1%	—	—	COM	87283q404
—	Industrial Select Sector SPDR ETF	3,847	$378K	0.1%	—	—	COM	81369y704
AEP	American Electric Power	3,924	$373K	0.1%	—	—	COM	025537101
NSC	Norfolk Southern Corp.	1,511	$372K	0.1%	—	—	COM	655844108
EMR	Emerson Electric Co.	3,870	$372K	0.1%	—	—	COM	291011104
—	First Trust NYSE Arca Biotech ETF	2,395	$369K	0.1%	—	—	COM	33733e203
VBK	Vanguard Small Cap Growth ETF	1,821	$365K	0.1%	—	—	COM	922908595
—	First Trust Managed Municipal ETF	7,281	$365K	0.1%	—	—	COM	33739n108
—	Laboratory Corp. Am. Hldgs.	1,539	$362K	0.1%	—	—	COM	50540r409
—	Duke Energy Corp	3,483	$359K	0.1%	—	—	COM	26441c204
—	Technology Select Sector SPDR ETF	2,852	$355K	0.0%	—	—	COM	81369y803
MUB	iShares National Muni Bond ETF	3,355	$354K	0.0%	—	—	COM	464288414
VOOV	Vanguard S&P 500 Value ETF	2,515	$352K	0.0%	—	—	COM	921932703
—	Coca Cola European Partners PLC	6,367	$352K	0.0%	—	—	COM	g25839104
DEO	Diageo PLC ADR	1,939	$346K	0.0%	—	—	COM	25243Q205
—	Novartis AG ADR	3,778	$343K	0.0%	—	—	COM	66987v109
—	GlaxoSmithKline PLC	9,619	$338K	0.0%	—	—	COM	37733w204
—	JPMorgan Equity Premium Income ETF	6,170	$336K	0.0%	—	—	COM	46641q332
INFY	Infosys Technologies, Ltd.	18,260	$329K	0.0%	—	—	COM	456788108
NOC	Northrop Grumman	599	$327K	0.0%	—	—	COM	666807102
BAC	Bank of America	9,803	$325K	0.0%	—	—	COM	060505104
ADBE	Adobe Systems, Inc.	949	$319K	0.0%	—	—	COM	00724F101
—	Nuveen TR ESG Large Cap Growth ETF	6,375	$312K	0.0%	—	—	COM	67092p201
AMAT	Applied Materials	3,196	$311K	0.0%	—	—	COM	038222105
—	Moderna Inc.	1,725	$310K	0.0%	—	—	COM	60770k107
IYR	IShares US Real Estate ETF	3,651	$307K	0.0%	—	—	COM	464287739
—	Linde PLC	940	$307K	0.0%	—	—	COM	g5494j103
MAS	Masco Corp.	6,538	$305K	0.0%	—	—	COM	574599106
YUM	Yum Brands, Inc.	2,349	$301K	0.0%	—	—	COM	988498101
BMO	Bank of Montreal	3,317	$301K	0.0%	—	—	COM	063671101
—	Fidelity National Information Services	4,428	$300K	0.0%	—	—	COM	31620m106
SLF	Sun Life Financial, Inc.	6,427	$298K	0.0%	—	—	COM	866796105
—	Anheuser Busch Co.	4,963	$298K	0.0%	—	—	COM	03524a108
MGK	Vanguard Mega Cap Growth ETF	1,723	$296K	0.0%	—	—	COM	921910816
AJG	Gallagher, Arthur J & Co.	1,560	$294K	0.0%	—	—	COM	363576109
LHX	L3Harris Technologies	1,400	$291K	0.0%	—	—	COM	502431109
DOW	Dow Inc.	5,710	$288K	0.0%	—	—	COM	260557103
—	Eversource Energy Com.	3,431	$288K	0.0%	—	—	COM	30040w108
AEE	Ameren Corp.	3,196	$284K	0.0%	—	—	COM	023608102
BHP	BHP Billiton, Ltd. ADR	4,572	$284K	0.0%	—	—	COM	088606108
TGT	Target Corp.	1,884	$281K	0.0%	—	—	COM	87612E106
NKE	Nike, Inc.	2,374	$278K	0.0%	—	—	COM	654106103
NGG	National Grid PLC ADR	4,558	$275K	0.0%	—	—	COM	636274409
IWD	IShares Russell 1000 Value Index ETF	1,785	$271K	0.0%	—	—	COM	464287598
—	Truist Financial Corp.	6,280	$270K	0.0%	—	—	COM	89832q109
—	Meridian Bioscience, Inc.	8,130	$270K	0.0%	—	—	COM	589584101
ICF	IShares Cohen & Steers REIT ETF	4,912	$269K	0.0%	—	—	COM	464287564
VRTX	Vertex Pharmaceutical	932	$269K	0.0%	—	—	COM	92532F100
EFA	IShares MSCI EAFE ETF	3,932	$258K	0.0%	—	—	COM	464287465
VXF	Vanguard Extended Market ETF	1,900	$252K	0.0%	—	—	COM	922908652
SIEGY	Siemens AG ADR	3,649	$251K	0.0%	—	—	COM	826197501
HRL	Hormel Foods Corp.	5,450	$248K	0.0%	—	—	COM	440452100
NSRGY	Nestle SA ADR	2,141	$247K	0.0%	—	—	COM	641069406
MS	Morgan Stanley	2,893	$246K	0.0%	—	—	COM	617446448
—	Monster Beverage Corp.	2,370	$241K	0.0%	—	—	COM	61174x109
WDFC	W D 40 Co.	1,489	$240K	0.0%	—	—	COM	929236107
SYK	Stryker Corporation	967	$236K	0.0%	—	—	COM	863667101
SSREY	Swiss Re Ltd.	9,982	$235K	0.0%	—	—	COM	870886108
—	Discover Financial Services, Inc.	2,391	$234K	0.0%	—	—	COM	254709108
—	Tri-Continental Corp.	9,104	$233K	0.0%	—	—	COM	895436103
CSX	CSX Corp.	7,509	$233K	0.0%	—	—	COM	126408103
ABBNY	ABB Ltd. Sponsored ADR	7,555	$230K	0.0%	—	—	COM	000375204
—	Veolia Environment ADR	8,926	$230K	0.0%	—	—	COM	92334n103
—	Total Energies SE	3,700	$230K	0.0%	—	—	COM	89151e109
MHGVY	Mowi ASA ADR	13,456	$229K	0.0%	—	—	COM	624678108
—	PacWest Bancorp	9,835	$226K	0.0%	—	—	COM	695263103
PNC	PNC Financial Svcs.	1,420	$224K	0.0%	—	—	COM	693475105
IP	International Paper	6,468	$224K	0.0%	—	—	COM	460146103
—	Crown Castle Int'l. Corp.	1,646	$223K	0.0%	—	—	COM	22822v101
ADI	Analog Devices Inc.	1,350	$221K	0.0%	—	—	COM	032654105
—	Accenture, Ltd.	827	$221K	0.0%	—	—	COM	g1151c101
CALF	Pacer U.S. Small Cap Cash Cows 100 - ETF	6,133	$220K	0.0%	—	—	COM	69374H857
OSK	Oshkosh Corp.	2,500	$220K	0.0%	—	—	COM	688239201
CM	Canadian Imperial Bank of Commerce	5,349	$216K	0.0%	—	—	COM	136069101
—	Invesco S&P 500 High Div/Low Volat. ETF	4,910	$215K	0.0%	—	—	COM	46138e362
GD	General Dynamics	867	$215K	0.0%	—	—	COM	369550108
AXP	American Express	1,450	$214K	0.0%	—	—	COM	025816109
BALL	Ball Corp.	4,184	$214K	0.0%	—	—	COM	058498106
PAC	Grupo Aeroportuario del Pacifico ADR	1,482	$213K	0.0%	—	—	COM	400506101
ALB	Albemarle Corp.	973	$211K	0.0%	—	—	COM	012653101
—	FlexShares Quality Dividend ETF	3,990	$210K	0.0%	—	—	COM	33939l860
GGB	Gerdau SA ADR	37,928	$210K	0.0%	—	—	COM	373737105
—	Ping An Insurance Company of China ADR	15,935	$210K	0.0%	—	—	COM	72341e304
BTI	British American Tobacco ADR	5,215	$208K	0.0%	—	—	COM	110448107
—	Financial Select Sector SPDR ETF	6,084	$208K	0.0%	—	—	COM	81369y605
KNX	Knight-Swift Transportation Holdings, Inc.	3,970	$208K	0.0%	—	—	COM	499049104
VLVLY	AB Volvo ADR	11,533	$208K	0.0%	—	—	COM	928854108
—	First Trust Water ETF	2,598	$206K	0.0%	—	—	COM	33733b100
HAL	Halliburton Co.	5,200	$205K	0.0%	—	—	COM	406216101
MSI	Motorola Solutions, Inc.	792	$204K	0.0%	—	—	COM	620076307
BA	Boeing Company	1,071	$204K	0.0%	—	—	COM	097023105
PRU	Prudential Financial, Inc.	2,050	$204K	0.0%	—	—	COM	744320102
—	ALPS Sector Dividend Dogs ETF	3,945	$203K	0.0%	—	—	COM	00162q858
—	Invesco S&P 500 Pure Value ETF	2,595	$202K	0.0%	—	—	COM	46137v258
—	Wisconsin Energy	2,154	$202K	0.0%	—	—	COM	92939u106
—	Workday, Inc. Cl. A	1,200	$201K	0.0%	—	—	COM	98138h101
TAK	Takeda Pharmaceutical Co.	12,871	$201K	0.0%	—	—	COM	874060205
—	Apartment Invt. & Mgmt Co. (AIMCO)	27,596	$196K	0.0%	—	—	COM	03748r747
—	UBS Group AG	10,363	$193K	0.0%	—	—	COM	h42097107
HBAN	Huntington Bancshares	12,400	$175K	0.0%	—	—	COM	446150104
—	Eaton Vance Municipal Income TR	16,584	$164K	0.0%	—	—	COM	27826u108
—	Vodafone Group PLC ADR	14,363	$145K	0.0%	—	—	COM	92857w308
ISUZY	Isuzu Motors Ltd.	11,866	$138K	0.0%	—	—	COM	465254209
MUFG	Mitsubishi UFJ Fin'l. Grp. ADR	19,090	$127K	0.0%	—	—	COM	606822104
—	Barings BDC, Inc.	13,874	$113K	0.0%	—	—	COM	06759l103
—	Amyris, Inc.	10,450	$15,989	0.0%	—	—	COM	03236m200
—	Mitsubishi UFJ Fin'l. Grp. ADR	12,083	$181	0.0%	—	—	COM	606816104
—	Debt Resolve Inc.	100,000	$100	0.0%	—	—	COM	24276r206