Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	Apple Inc.	167,921	$32.57M	4.1%	—	—	COM	037833100
VTI	Vanguard Total Stock Market ETF	83,790	$18.46M	2.3%	—	—	COM	922908769
MSFT	Microsoft Corporation	53,727	$18.3M	2.3%	—	—	COM	594918104
—	Nvidia Corp.	42,729	$18.08M	2.3%	—	—	COM	67066g104
—	Broadcom Inc.	17,266	$14.98M	1.9%	—	—	COM	11135f101
VIG	Vanguard Dividend Appreciation ETF	83,722	$13.6M	1.7%	—	—	COM	921908844
AMZN	Amazon.Com Inc.	102,446	$13.35M	1.7%	—	—	COM	023135106
—	Alphabet Inc., Cl. A	106,433	$12.74M	1.6%	—	—	COM	02079k305
SCHD	Schwab US Div Equity ETF	173,058	$12.57M	1.6%	—	—	COM	808524797
MGC	Vanguard Mega Cap ETF	74,807	$11.7M	1.5%	—	—	COM	921910873
COST	Costco Wholesale Corp.	20,795	$11.2M	1.4%	—	—	COM	22160K105
—	LAM Research Corp.	17,131	$11.01M	1.4%	—	—	COM	512807108
MCHP	Microchip Technology, Inc.	121,212	$10.86M	1.4%	—	—	COM	595017104
—	Invesco S&P 500 Quality ETF A	205,158	$10.35M	1.3%	—	—	COM	46137v241
URI	United Rentals, Inc.	23,028	$10.26M	1.3%	—	—	COM	911363109
ADM	Archer Daniels Midland	135,405	$10.23M	1.3%	—	—	COM	039483102
CMG	Chipotle Mexican Grill, A	4,713	$10.08M	1.3%	—	—	COM	169656105
—	MasterCard, Inc.	25,550	$10.05M	1.3%	—	—	COM	57636q104
—	HCA Healthcare Co.	33,105	$10.05M	1.3%	—	—	COM	40412c101
—	Blackstone Group Inc. Cl. A	106,545	$9.905M	1.2%	—	—	COM	09260d107
HD	Home Depot, Inc.	27,262	$8.469M	1.1%	—	—	COM	437076102
JBL	Jabil Circuit, Inc.	74,790	$8.072M	1.0%	—	—	COM	466313103
TMO	Thermo Fisher Scientific, Inc.	15,442	$8.057M	1.0%	—	—	COM	883556102
FISV	Fiserv, Inc.	62,791	$7.921M	1.0%	—	—	COM	337738108
—	Intercontinental Exchange Group	67,408	$7.622M	1.0%	—	—	COM	45866f104
DE	Deere & Co.	18,241	$7.391M	0.9%	—	—	COM	244199105
—	UnitedHealth Group	15,162	$7.287M	0.9%	—	—	COM	91324p102
—	Vanguard Russell 1000 ETF	35,811	$7.218M	0.9%	—	—	COM	92206c730
GSLC	Goldman Sachs ActiveBeta US LargeCp Eq ETF	81,595	$7.123M	0.9%	—	—	COM	381430503
GILD	Gilead Sciences Inc.	89,641	$6.909M	0.9%	—	—	COM	375558103
OC	Owens Corning	52,645	$6.87M	0.9%	—	—	COM	690742101
ALB	Albemarle Corp.	29,289	$6.534M	0.8%	—	—	COM	012653101
—	Cheniere Energy, Inc	42,845	$6.528M	0.8%	—	—	COM	16411r208
FDL	First Trust Morningstar Div Leaders ETF	191,623	$6.517M	0.8%	—	—	COM	336917109
VO	Vanguard Mid Cap ETF	29,500	$6.495M	0.8%	—	—	COM	922908629
—	Pacer U.S. Cash Cows 100 - ETF	121,120	$5.798M	0.7%	—	—	COM	69374h881
—	Merck & Co Inc.	46,098	$5.319M	0.7%	—	—	COM	58933y105
—	Regeneron Pharmaceuticals	7,086	$5.092M	0.6%	—	—	COM	75886f107
VB	Vanguard Index Small Cap ETF	25,592	$5.09M	0.6%	—	—	COM	922908751
—	Invesco S&P 500 Low Volatility ETF	80,162	$5.035M	0.6%	—	—	COM	46138e354
SPGP	Invesco S&P 500 GARP - ETF	53,180	$4.828M	0.6%	—	—	COM	46137V431
IJR	IShares S&P SmallCap 600 Index ETF	48,004	$4.784M	0.6%	—	—	COM	464287804
VOOG	Vanguard S&P 500 Growth ETF	18,640	$4.736M	0.6%	—	—	COM	921932505
BRK/B	Berkshire Hathaway, Cl. B	13,797	$4.705M	0.6%	—	—	COM	084670702
—	Global Payments Inc.	46,915	$4.622M	0.6%	—	—	COM	37940x102
—	IShares MSCI USA Momentum Factor ETF	32,029	$4.62M	0.6%	—	—	COM	46432f396
—	ProShares S&P 500 Dividend Aristocrats ETF	48,174	$4.542M	0.6%	—	—	COM	74348a467
SAIA	Saia, Inc.	13,060	$4.472M	0.6%	—	—	COM	78709Y105
SPY	SPDR S&P 500 ETF	9,593	$4.252M	0.5%	—	—	COM	78462F103
—	IShares MSCI USA Minimum Volatility ETF	57,155	$4.248M	0.5%	—	—	COM	46429b697
—	SPDR S&P Value ETF	95,343	$4.119M	0.5%	—	—	COM	78464a508
FLEX	Flextronics Internat'l. Ltd.	148,729	$4.111M	0.5%	—	—	COM	Y2573F102
SHW	Sherwin Williams Company	14,785	$3.926M	0.5%	—	—	COM	824348106
—	W. P. Carey Inc.	57,424	$3.88M	0.5%	—	—	COM	92936u109
—	Quanta Services, Inc.	19,595	$3.849M	0.5%	—	—	COM	74762e102
—	Invesco Russell 1000 Dynamic Multi ETF	77,042	$3.774M	0.5%	—	—	COM	46138j619
—	First Trust Value Line Dividend ETF	93,013	$3.729M	0.5%	—	—	COM	33734h106
IWV	IShares Russell 3000 Index ETF	14,559	$3.705M	0.5%	—	—	COM	464287689
IJJ	IShares S&P MidCap 400/Barra Value ETF	34,213	$3.665M	0.5%	—	—	COM	464287705
CVS	CVS Health Corp.	52,856	$3.654M	0.5%	—	—	COM	126650100
WMT	Wal-Mart Stores	22,662	$3.562M	0.4%	—	—	COM	931142103
FTCS	First Trust Capital Strength ETF	47,249	$3.547M	0.4%	—	—	COM	33733E104
—	S&P Global, Inc.	8,481	$3.4M	0.4%	—	—	COM	78409v104
PEP	PepsiCo Inc	18,280	$3.386M	0.4%	—	—	COM	713448108
DAL	Delta Airlines Inc.	71,140	$3.382M	0.4%	—	—	COM	247361702
—	Invesco QQQ Tr Unit Ser. 1 ETF	9,021	$3.333M	0.4%	—	—	COM	46090e103
NUE	Nucor Corp.	20,122	$3.3M	0.4%	—	—	COM	670346105
—	First Trust Rising Dividend Achievers ETF	69,454	$3.271M	0.4%	—	—	COM	33738r506
SCHB	Schwab US Broad Market ETF	62,825	$3.248M	0.4%	—	—	COM	808524102
—	Garmin Ltd.	31,024	$3.235M	0.4%	—	—	COM	h2906t109
KO	Coca Cola	52,830	$3.181M	0.4%	—	—	COM	191216100
GSIE	Goldman Sachs ActiveBeta Int'l Eq ETF	98,606	$3.091M	0.4%	—	—	COM	381430107
—	Salesforce.com	14,135	$2.986M	0.4%	—	—	COM	79466l302
VOO	Vanguard S&P 500 ETF	7,312	$2.978M	0.4%	—	—	COM	922908363
RPM	RPM Inc. Ohio	32,959	$2.957M	0.4%	—	—	COM	749685103
PAYX	PayChex Inc.	26,173	$2.928M	0.4%	—	—	COM	704326107
IJH	IShares S&P Midcap 400 Index ETF	11,006	$2.878M	0.4%	—	—	COM	464287507
TKR	Timken Co.	31,423	$2.876M	0.4%	—	—	COM	887389104
DIS	Walt Disney Co	31,434	$2.806M	0.4%	—	—	COM	254687106
AVT	Avnet Inc.	55,174	$2.784M	0.3%	—	—	COM	053807103
—	Vanguard Russell 1000 Growth ETF	38,859	$2.75M	0.3%	—	—	COM	92206c680
FBND	Fidelity Merrimack Str Total Bond Fund ETF	60,135	$2.731M	0.3%	—	—	COM	316188309
—	Interactive Brokers Group, Inc.	32,455	$2.696M	0.3%	—	—	COM	45841n107
—	JPMorgan Ultra-Short Income ETF	52,976	$2.656M	0.3%	—	—	COM	46641q837
SNA	Snap-on Incorporated	9,157	$2.639M	0.3%	—	—	COM	833034101
DVN	Devon Energy Corp.	53,727	$2.597M	0.3%	—	—	COM	25179M103
MCD	McDonalds Corp.	8,654	$2.582M	0.3%	—	—	COM	580135101
—	Hewlett Packard Enterprise Co.	153,575	$2.58M	0.3%	—	—	COM	42824c109
—	AbbVie, Inc.	18,833	$2.537M	0.3%	—	—	COM	00287y109
QQEW	First Trust NASDAQ-100 Equal Wtd ETF	23,606	$2.523M	0.3%	—	—	COM	337344105
—	Cardinal Health	26,188	$2.477M	0.3%	—	—	COM	14149y108
JNJ	Johnson & Johnson	14,934	$2.472M	0.3%	—	—	COM	478160104
GPC	Genuine Parts Co.	14,586	$2.468M	0.3%	—	—	COM	372460105
LOW	Lowe's Cos	10,920	$2.465M	0.3%	—	—	COM	548661107
—	Jacobs Solutions, Inc.	20,710	$2.462M	0.3%	—	—	COM	46982l108
DLR	Digital Realty Trust Inc.	21,438	$2.441M	0.3%	—	—	COM	253868103
—	Vanguard World Health Care ETF	9,791	$2.397M	0.3%	—	—	COM	92204a504
OMC	Omnicom Group	25,176	$2.395M	0.3%	—	—	COM	681919106
WMB	Williams Companies	71,924	$2.347M	0.3%	—	—	COM	969457100
ORI	Old Republic Nat'l. Corp.	92,773	$2.335M	0.3%	—	—	COM	680223104
—	Vanguard Information Technology ETF	5,263	$2.327M	0.3%	—	—	COM	92204a702
VYM	Vanguard High Dividend Yield ETF	21,216	$2.25M	0.3%	—	—	COM	921946406
IWR	IShares Russell Midcap Index ETF	30,630	$2.237M	0.3%	—	—	COM	464287499
VUG	Vanguard Growth ETF	7,749	$2.193M	0.3%	—	—	COM	922908736
—	Meta Platforms, Inc.	7,459	$2.141M	0.3%	—	—	COM	30303m102
AWR	American States Water Co.	24,203	$2.106M	0.3%	—	—	COM	029899101
VOE	Vanguard Mid-Cap Value ETF	15,138	$2.095M	0.3%	—	—	COM	922908512
PG	Procter and Gamble	13,671	$2.074M	0.3%	—	—	COM	742718109
GIS	General Mills	25,714	$1.972M	0.2%	—	—	COM	370334104
—	SPDR S&P Dividend ETF	16,023	$1.964M	0.2%	—	—	COM	78464a763
IWM	IShares Russell 2000 Index ETF	10,349	$1.938M	0.2%	—	—	COM	464287655
BBY	Best Buy Company, Inc.	22,518	$1.845M	0.2%	—	—	COM	086516101
DGX	Quest Diagnostics	13,033	$1.832M	0.2%	—	—	COM	74834L100
TEX	Terex Corp.	30,481	$1.824M	0.2%	—	—	COM	880779103
—	First Trust SMID Cap Rising Div Achv ETF	64,301	$1.82M	0.2%	—	—	COM	33741x102
—	H&E Equipment Services, Inc.	38,967	$1.783M	0.2%	—	—	COM	404030108
—	Alphabet Inc., Cl. C	14,600	$1.766M	0.2%	—	—	COM	02079k107
ABT	Abbott Laboratories	16,029	$1.747M	0.2%	—	—	COM	002824100
—	iShares MSCI Multifactor USA Small-Cap ETF	32,423	$1.739M	0.2%	—	—	COM	46434v290
WSC	WillScot Mobile Mini Hldgs Corp, Cl. A	36,117	$1.726M	0.2%	—	—	COM	971378104
—	Hilton Worldwide Holdings, Inc.	11,550	$1.681M	0.2%	—	—	COM	43300a203
NJR	New Jersey Resources Corp.	35,323	$1.667M	0.2%	—	—	COM	646025106
—	Monster Beverage Corp.	28,780	$1.653M	0.2%	—	—	COM	61174x109
DVY	IShares Select Dividend ETF	14,456	$1.638M	0.2%	—	—	COM	464287168
—	Civitas Resources, Inc.	23,481	$1.629M	0.2%	—	—	COM	17888h103
—	Kellogg	24,130	$1.626M	0.2%	—	—	COM	487836108
NFG	National Fuel Gas Co.	31,329	$1.609M	0.2%	—	—	COM	636180101
AZN	AstraZeneca PLC ADR	22,200	$1.589M	0.2%	—	—	COM	046353108
—	AGNC Investment Corp	155,997	$1.58M	0.2%	—	—	COM	00123q104
ESS	Essex Property Trust	6,682	$1.566M	0.2%	—	—	COM	297178105
—	Essent Group Ltd.	33,225	$1.555M	0.2%	—	—	COM	g3198u102
DKS	Dicks Sporting Goods	11,748	$1.553M	0.2%	—	—	COM	253393102
MTG	MGIC Investment Corp.	98,142	$1.55M	0.2%	—	—	COM	552848103
LLY	Lilly (Eli)	3,300	$1.548M	0.2%	—	—	COM	532457108
UNP	Union Pacific Corp.	7,438	$1.522M	0.2%	—	—	COM	907818108
XOM	Exxon Mobil Corp.	13,891	$1.49M	0.2%	—	—	COM	30231G102
PM	Philip Morris Internat'l.	15,142	$1.478M	0.2%	—	—	COM	718172109
CAT	Caterpillar Inc.	6,006	$1.478M	0.2%	—	—	COM	149123101
VEU	Vanguard FTSE All-World (ex. US) ETF	27,116	$1.475M	0.2%	—	—	COM	922042775
IWY	iShares Russell Top 200 Growth ETF	9,230	$1.464M	0.2%	—	—	COM	464289438
IP	International Paper	45,379	$1.444M	0.2%	—	—	COM	460146103
PFE	Pfizer, Inc.	39,351	$1.443M	0.2%	—	—	COM	717081103
—	First Trust Mid Cap Core AlphaDEX ETF	14,961	$1.441M	0.2%	—	—	COM	33735b108
—	Mosaic Co.	39,651	$1.388M	0.2%	—	—	COM	61945c103
—	Allete, Inc.	23,826	$1.381M	0.2%	—	—	COM	018522300
NEE	NextEra Energy	18,299	$1.358M	0.2%	—	—	COM	65339F101
—	Tesla Motors Inc.	5,180	$1.356M	0.2%	—	—	COM	88160r101
IJS	IShares S&P SmallCap 600 Barra Value ETF	14,203	$1.351M	0.2%	—	—	COM	464287879
BUSE	First Busey Corp.	64,886	$1.304M	0.2%	—	—	COM	319383204
VTV	Vanguard Value ETF	9,173	$1.303M	0.2%	—	—	COM	922908744
JPM	J.P. Morgan Chase & Co.	8,852	$1.287M	0.2%	—	—	COM	46625H100
—	SPDR Dow Jones Industrial Average ETF	3,743	$1.287M	0.2%	—	—	COM	78467x109
ORCL	Oracle Corp	10,707	$1.275M	0.2%	—	—	COM	68389X105
MU	Micron Technology, Inc.	19,403	$1.225M	0.2%	—	—	COM	595112103
ADP	Automatic Data Processing	5,546	$1.219M	0.2%	—	—	COM	053015103
—	First Tr TCW Opportunistic Fixed Inc ETF	27,140	$1.199M	0.1%	—	—	COM	33740f805
—	Eaton Corp., PLC	5,949	$1.196M	0.1%	—	—	COM	g29183103
VOT	Vanguard Mid-Cap Growth ETF	5,773	$1.188M	0.1%	—	—	COM	922908538
—	SPDR S&P MidCap 400 ETF	2,403	$1.151M	0.1%	—	—	COM	78467y107
—	Pacer FDS TR Developed Mrkts Int'l CC ETF	38,577	$1.147M	0.1%	—	—	COM	69374h873
CALM	Cal-Maine Foods, Inc.	25,480	$1.147M	0.1%	—	—	COM	128030202
—	IShares Edge MSCI USA Quality Factor ETF	8,463	$1.141M	0.1%	—	—	COM	46432f339
IBM	I.B.M.	8,436	$1.129M	0.1%	—	—	COM	459200101
—	First Trust Water ETF	12,732	$1.128M	0.1%	—	—	COM	33733b100
IWN	IShares Russell 2000 Value Index ETF	7,900	$1.112M	0.1%	—	—	COM	464287630
KHC	Kraft Heinz Co.	31,125	$1.105M	0.1%	—	—	COM	500754106
BKH	Black Hills Corp.	18,199	$1.097M	0.1%	—	—	COM	092113109
—	Cisco Systems	21,098	$1.092M	0.1%	—	—	COM	17275r102
LNT	Alliant Energy Corp.	20,074	$1.053M	0.1%	—	—	COM	018802108
BP	BP Amoco PLC ADR	29,420	$1.038M	0.1%	—	—	COM	055622104
—	WisdomTree International Hdgd Div Gr ETF	25,775	$1.035M	0.1%	—	—	COM	97717x594
—	Visa Inc.	4,335	$1.029M	0.1%	—	—	COM	92826c839
AFL	AFLAC, Inc.	14,498	$1.012M	0.1%	—	—	COM	001055102
TSM	Taiwan Semiconductor Mfg. Co. Ltd.	9,986	$1.008M	0.1%	—	—	COM	874039100
ITW	Illinois Tool Works	4,001	$1.001M	0.1%	—	—	COM	452308109
—	Apartment Income REIT Corp.	27,596	$996K	0.1%	—	—	COM	03750l109
SCHA	Schwab Strategic US Small-Cap ETF	21,186	$928K	0.1%	—	—	COM	808524607
CMI	Cummins Engine Inc.	3,778	$926K	0.1%	—	—	COM	231021106
—	Vanguard Russell 1000 Value ETF	13,227	$915K	0.1%	—	—	COM	92206c714
MDLZ	Mondelez International, Inc.	12,235	$892K	0.1%	—	—	COM	609207105
CALF	Pacer U.S. Small Cap Cash Cows 100 - ETF	21,881	$891K	0.1%	—	—	COM	69374H857
SCHG	Schwab US Large-Cap Growth ETF	11,785	$883K	0.1%	—	—	COM	808524300
—	Microport Scientific Corp.	504,670	$878K	0.1%	—	—	COM	g60837104
CVX	Chevron Corp.	5,557	$874K	0.1%	—	—	COM	166764100
IUSV	IShares Core US Value ETF	11,065	$866K	0.1%	—	—	COM	464287663
SCHX	Schwab US Large-Cap ETF	16,525	$865K	0.1%	—	—	COM	808524201
IWB	IShares Russell 1000 Index Fund ETF	3,476	$847K	0.1%	—	—	COM	464287622
SCHM	Schwab US Mid-Cap ETF	11,843	$841K	0.1%	—	—	COM	808524508
AMD	Advanced Micro Devices	7,377	$840K	0.1%	—	—	COM	007903107
IWF	IShares Russell 1000 Growth Index ETF	3,018	$830K	0.1%	—	—	COM	464287614
IWS	IShares Russell Midcap Value Index ETF	7,297	$801K	0.1%	—	—	COM	464287473
—	SPDR Gold Shares ETF	4,469	$797K	0.1%	—	—	COM	78463v107
MO	Altria Group, Inc.	17,485	$792K	0.1%	—	—	COM	02209S103
NVO	Novo Nordisk A.S. ADR	4,807	$778K	0.1%	—	—	COM	670100205
—	Energy Select Sector SPDR ETF	9,460	$768K	0.1%	—	—	COM	81369y506
MCO	Moody's Corp.	2,200	$765K	0.1%	—	—	COM	615369105
PSA	Public Storage, Inc.	2,541	$742K	0.1%	—	—	COM	74460D109
—	Enbridge Inc.	19,852	$739K	0.1%	—	—	COM	29250n105
VWO	Vanguard Emerging Mkts. ETF	18,132	$738K	0.1%	—	—	COM	922042858
BDX	Becton Dickinson & Co.	2,764	$730K	0.1%	—	—	COM	075887109
—	WEX, Inc.	3,940	$717K	0.1%	—	—	COM	96208t104
—	Capital Group Growth - ETF	28,223	$712K	0.1%	—	—	COM	14020g101
ESGV	Vanguard ESG US Stock - ETF	9,067	$710K	0.1%	—	—	COM	921910733
QCOM	Qualcomm Inc.	5,937	$707K	0.1%	—	—	COM	747525103
—	ProShares S&P MidCap 400 Dividend Aristo.	10,013	$704K	0.1%	—	—	COM	74347b680
—	Everest Reinsur. Group, Ltd.	2,035	$696K	0.1%	—	—	COM	g3223r108
—	Pacer Global Cash Cows Dividend ETF	20,916	$693K	0.1%	—	—	COM	69374h709
VV	Vanguard Large Cap ETF	3,325	$674K	0.1%	—	—	COM	922908637
—	Nuveen TR ESG Large Cap Growth ETF	10,720	$667K	0.1%	—	—	COM	67092p201
IYH	IShares US Healthcare ETF	2,378	$666K	0.1%	—	—	COM	464287762
VBR	Vanguard Small Cap Value ETF	4,000	$662K	0.1%	—	—	COM	922908611
FITB	Fifth Third Bancorp	25,140	$659K	0.1%	—	—	COM	316773100
IWL	IShares - Russell 200 Index ETF	6,029	$643K	0.1%	—	—	COM	464289446
BMY	Bristol-Myers Squibb	9,915	$634K	0.1%	—	—	COM	110122108
IVV	IShares S&P 500 Index ETF	1,422	$634K	0.1%	—	—	COM	464287200
COP	ConocoPhillips	6,057	$628K	0.1%	—	—	COM	20825C104
—	IShares Core MSCI Total Int'l Stk ETF	9,776	$612K	0.1%	—	—	COM	46432f834
—	Unilever PLC ADR	11,328	$591K	0.1%	—	—	COM	904767704
—	T. Rowe Price Dividend Growth ETF	17,622	$587K	0.1%	—	—	COM	87283q404
—	Invesco S&P 500 Revenue ETF	7,300	$584K	0.1%	—	—	COM	46138g698
GEM	Goldman Sachs ActiveBeta Emerging Mkts ETF	19,270	$576K	0.1%	—	—	COM	381430206
—	First Tr Large Cap Core AlphaDex Fd ETF	6,770	$569K	0.1%	—	—	COM	33734k109
T	AT&T Inc.	35,565	$567K	0.1%	—	—	COM	00206R102
VZ	Verizon Communications	15,194	$565K	0.1%	—	—	COM	92343V104
—	Technology Select Sector SPDR ETF	3,243	$564K	0.1%	—	—	COM	81369y803
CL	Colgate Palmolive Co.	7,297	$562K	0.1%	—	—	COM	194162103
LDOS	Leidos Holdings, Inc.	6,333	$560K	0.1%	—	—	COM	525327102
VEA	Vanguard Tax-Mgd Int'l Dev. Markets ETF	12,045	$556K	0.1%	—	—	COM	921943858
—	First Trust Senior Loan Fund ETF	12,192	$552K	0.1%	—	—	COM	33738d309
WM	Waste Management, Inc.	3,128	$542K	0.1%	—	—	COM	94106L109
FNDB	Schwab Fundamental US Broad Market ETF	9,419	$534K	0.1%	—	—	COM	808524789
DHR	Danaher Corp.	2,222	$533K	0.1%	—	—	COM	235851102
—	Constellation Brands, Inc.	2,140	$527K	0.1%	—	—	COM	21036p108
VNQ	Vanguard REIT ETF	6,277	$524K	0.1%	—	—	COM	922908553
—	Invesco BulletShares 2024 Corp Bond ETF	25,373	$522K	0.1%	—	—	COM	46138j841
SBUX	Starbucks Corp.	5,262	$521K	0.1%	—	—	COM	855244109
BRK/A	Berkshire Hathaway, Cl. A	1	$518K	0.1%	—	—	COM	084670108
—	Marathon Petroleum Corp.	4,383	$511K	0.1%	—	—	COM	56585a102
ELV	Elevance Health	1,147	$510K	0.1%	—	—	COM	036752103
VOOV	Vanguard S&P 500 Value ETF	3,205	$499K	0.1%	—	—	COM	921932703
INTC	Intel Corp.	14,878	$498K	0.1%	—	—	COM	458140100
ADBE	Adobe Systems, Inc.	1,015	$496K	0.1%	—	—	COM	00724F101
—	Vanguard Russell 3000 ETF	2,485	$491K	0.1%	—	—	COM	92206c599
SO	Southern Company	6,969	$490K	0.1%	—	—	COM	842587107
HON	Honeywell Internat'l.	2,357	$489K	0.1%	—	—	COM	438516106
TRV	Travelers Companies Inc.	2,790	$485K	0.1%	—	—	COM	89417E109
—	WisdomTree U.S. LargeCap Dividend ETF	7,520	$478K	0.1%	—	—	COM	97717w307
—	Regions Financial Corp.	26,694	$476K	0.1%	—	—	COM	7591ep100
REZ	IShares Residential Real Estate Capped ETF	6,487	$475K	0.1%	—	—	COM	464288562
O	Realty Income Corp.	7,932	$474K	0.1%	—	—	COM	756109104
—	WisdomTree US Quality Dividend Gr ETF	7,060	$471K	0.1%	—	—	COM	97717x669
—	Dimensional US Marketwide Value - ETF	13,617	$470K	0.1%	—	—	COM	25434v724
SCHW	Charles Schwab Corp.	8,276	$469K	0.1%	—	—	COM	808513105
AMAT	Applied Materials	3,217	$465K	0.1%	—	—	COM	038222105
—	VanEck Morningstar Wide Moat - ETF	5,760	$460K	0.1%	—	—	COM	92189f643
—	American Tower Corp.	2,314	$449K	0.1%	—	—	COM	03027x100
ALL	Allstate Corp.	4,114	$449K	0.1%	—	—	COM	020002101
—	SPDR S&P Emerging Markets ETF	13,002	$447K	0.1%	—	—	COM	78463x509
—	JPMorgan Equity Premium Income ETF	7,932	$439K	0.1%	—	—	COM	46641q332
SHEL	Shell PLC ADR	7,268	$439K	0.1%	—	—	COM	780259305
AZO	AutoZone, Inc.	175	$436K	0.1%	—	—	COM	053332102
RIO	Rio Tinto PLC ADR F	6,797	$434K	0.1%	—	—	COM	767204100
LMT	Lockheed Martin Corp.	942	$434K	0.1%	—	—	COM	539830109
—	Industrial Select Sector SPDR ETF	3,922	$421K	0.1%	—	—	COM	81369y704
—	Raytheon Technologies Corp.	4,270	$418K	0.1%	—	—	COM	75513e101
—	Coca Cola European Partners PLC	6,367	$410K	0.1%	—	—	COM	g25839104
VBK	Vanguard Small Cap Growth ETF	1,751	$402K	0.1%	—	—	COM	922908595
PANW	Palo Alto Networks, Inc.	1,566	$400K	0.0%	—	—	COM	697435105
—	First TR. Ex. Tr. FD N. American Energy	14,589	$394K	0.0%	—	—	COM	33738d101
APD	Air Products & Chem	1,302	$390K	0.0%	—	—	COM	009158106
—	Farmland Partners, Inc.	31,600	$386K	0.0%	—	—	COM	31154r109
—	Invesco BulletShares 2025 Corp Bond ETF	19,128	$385K	0.0%	—	—	COM	46138j825
—	First Trust Managed Municipal ETF	7,561	$383K	0.0%	—	—	COM	33739n108
—	Health Care Select Sector SPDR ETF	2,836	$376K	0.0%	—	—	COM	81369y209
MAS	Masco Corp.	6,538	$375K	0.0%	—	—	COM	574599106
—	Materials Select Sector SPDR ETF	4,501	$373K	0.0%	—	—	COM	81369y100
—	3M Company	3,705	$371K	0.0%	—	—	COM	88579y101
FSLR	First Solar, Inc.	1,945	$370K	0.0%	—	—	COM	336433107
—	First Trust NYSE Arca Biotech ETF	2,395	$367K	0.0%	—	—	COM	33733e203
UPS	United Parcel Service, Inc.	2,012	$361K	0.0%	—	—	COM	911312106
MUB	iShares National Muni Bond ETF	3,355	$358K	0.0%	—	—	COM	464288414
MGK	Vanguard Mega Cap Growth ETF	1,498	$353K	0.0%	—	—	COM	921910816
EMR	Emerson Electric Co.	3,877	$350K	0.0%	—	—	COM	291011104
NSC	Norfolk Southern Corp.	1,523	$345K	0.0%	—	—	COM	655844108
LW	Lamb Weston Hldgs.	2,987	$343K	0.0%	—	—	COM	513272104
C	Citigroup	7,435	$342K	0.0%	—	—	COM	172967424
DEO	Diageo PLC ADR	1,918	$333K	0.0%	—	—	COM	25243Q205
LOGI	Logitech Internat'l. SA	5,584	$332K	0.0%	—	—	COM	H50430232
—	GlaxoSmithKline PLC	9,219	$329K	0.0%	—	—	COM	37733w204
IYR	IShares US Real Estate ETF	3,766	$326K	0.0%	—	—	COM	464287739
YUM	Yum Brands, Inc.	2,349	$325K	0.0%	—	—	COM	988498101
AMGN	Amgen, Inc.	1,462	$325K	0.0%	—	—	COM	031162100
—	Equinor ASA	11,109	$324K	0.0%	—	—	COM	29446m102
AEP	American Electric Power	3,778	$318K	0.0%	—	—	COM	025537101
VRTX	Vertex Pharmaceutical	900	$317K	0.0%	—	—	COM	92532F100
—	Discover Financial Services, Inc.	2,694	$315K	0.0%	—	—	COM	254709108
SLF	Sun Life Financial, Inc.	5,897	$307K	0.0%	—	—	COM	866796105
—	Duke Energy Corp	3,417	$307K	0.0%	—	—	COM	26441c204
SIEGY	Siemens AG ADR	3,649	$304K	0.0%	—	—	COM	826197501
IWD	IShares Russell 1000 Value Index ETF	1,910	$301K	0.0%	—	—	COM	464287598
DOW	Dow Inc.	5,625	$300K	0.0%	—	—	COM	260557103
AJG	Gallagher, Arthur J & Co.	1,360	$299K	0.0%	—	—	COM	363576109
NGG	National Grid PLC ADR	4,421	$298K	0.0%	—	—	COM	636274409
ABBNY	ABB Ltd. Sponsored ADR	7,555	$297K	0.0%	—	—	COM	000375204
—	Walgreen Boots Alliance Inc.	10,386	$296K	0.0%	—	—	COM	931427108
INFY	Infosys Technologies, Ltd.	18,260	$293K	0.0%	—	—	COM	456788108
AVUV	Avantis U.S. Small Cap Value - ETF	3,775	$293K	0.0%	—	—	COM	025072877
AXP	American Express	1,646	$287K	0.0%	—	—	COM	025816109
EFA	IShares MSCI EAFE ETF	3,932	$285K	0.0%	—	—	COM	464287465
—	Veolia Environment ADR	17,852	$284K	0.0%	—	—	COM	92334n103
—	Linde PLC	745	$284K	0.0%	—	—	COM	g54950103
ICF	IShares Cohen & Steers REIT ETF	5,092	$283K	0.0%	—	—	COM	464287564
VXF	Vanguard Extended Market ETF	1,900	$283K	0.0%	—	—	COM	922908652
WDFC	W D 40 Co.	1,489	$281K	0.0%	—	—	COM	929236107
BMO	Bank of Montreal	3,107	$281K	0.0%	—	—	COM	063671101
KMB	Kimberly Clark Corp	2,030	$280K	0.0%	—	—	COM	494368103
SYK	Stryker Corporation	917	$280K	0.0%	—	—	COM	863667101
JHMM	John Hancock Multifactor Mid Cap ETF	5,605	$279K	0.0%	—	—	COM	47804J206
—	Novartis AG ADR	2,753	$278K	0.0%	—	—	COM	66987v109
NOC	Northrop Grumman	605	$276K	0.0%	—	—	COM	666807102
—	Anheuser Busch Co.	4,828	$274K	0.0%	—	—	COM	03524a108
BHP	BHP Billiton, Ltd. ADR	4,572	$273K	0.0%	—	—	COM	088606108
—	Uber Technologies Inc.	6,231	$269K	0.0%	—	—	COM	90353t100
BND	Vanguard Bd Index - Total Bd Market ETF	3,670	$267K	0.0%	—	—	COM	921937835
PAC	Grupo Aeroportuario del Pacifico ADR	1,482	$265K	0.0%	—	—	COM	400506101
—	First TR Global Tactical Commodity ETF	11,568	$263K	0.0%	—	—	COM	33739h101
ADI	Analog Devices Inc.	1,350	$263K	0.0%	—	—	COM	032654105
NKE	Nike, Inc.	2,374	$262K	0.0%	—	—	COM	654106103
CSX	CSX Corp.	7,509	$256K	0.0%	—	—	COM	126408103
NSRGY	Nestle SA ADR	2,127	$256K	0.0%	—	—	COM	641069406
BAC	Bank of America	8,905	$255K	0.0%	—	—	COM	060505104
SSREY	Swiss Re Ltd.	9,982	$252K	0.0%	—	—	COM	870886108
—	PIMCO Intermediate Muni Bd Actv - ETF	4,845	$251K	0.0%	—	—	COM	72201r866
—	Tri-Continental Corp.	9,116	$250K	0.0%	—	—	COM	895436103
CI	CIGNA Corp.	890	$250K	0.0%	—	—	COM	125523100
TGT	Target Corp.	1,884	$249K	0.0%	—	—	COM	87612E106
AEE	Ameren Corp.	3,027	$247K	0.0%	—	—	COM	023608102
EW	Edwards Lifesciences Corp.	2,616	$247K	0.0%	—	—	COM	28176E108
BALL	Ball Corp.	4,184	$244K	0.0%	—	—	COM	058498106
—	Eversource Energy Com.	3,431	$243K	0.0%	—	—	COM	30040w108
—	MercadoLibre Inc.	202	$239K	0.0%	—	—	COM	58733r102
VLVLY	AB Volvo ADR	11,533	$239K	0.0%	—	—	COM	928854108
—	Apartment Invt. & Mgmt Co. (AIMCO)	27,596	$235K	0.0%	—	—	COM	03748r747
TDG	TransDigm Group Inc.	259	$232K	0.0%	—	—	COM	893641100
—	FlexShares Quality Dividend ETF	3,990	$231K	0.0%	—	—	COM	33939l860
—	Accenture, Ltd.	742	$229K	0.0%	—	—	COM	g1151c101
BA	Boeing Company	1,071	$226K	0.0%	—	—	COM	097023105
—	Sanofi-Aventis ADR	4,148	$224K	0.0%	—	—	COM	80105n105
MSI	Motorola Solutions, Inc.	755	$221K	0.0%	—	—	COM	620076307
KNX	Knight-Swift Transportation Holdings, Inc.	3,970	$221K	0.0%	—	—	COM	499049104
HRL	Hormel Foods Corp.	5,450	$219K	0.0%	—	—	COM	440452100
CM	Canadian Imperial Bank of Commerce	5,051	$216K	0.0%	—	—	COM	136069101
MHGVY	Mowi ASA ADR	13,383	$211K	0.0%	—	—	COM	624678108
—	Total Energies SE	3,666	$211K	0.0%	—	—	COM	89151e109
IVOO	Vanguard S&P Mid-Cap 400 Index Fund - ETF	2,386	$211K	0.0%	—	—	COM	921932885
GGB	Gerdau SA ADR	39,817	$208K	0.0%	—	—	COM	373737105
CMCSA	Comcast Corp., Cl. A	4,954	$206K	0.0%	—	—	COM	20030N101
—	Enphase Energy Inc.	1,229	$206K	0.0%	—	—	COM	29355a107
—	Ping An Insurance Company of China ADR	15,935	$204K	0.0%	—	—	COM	72341e304
—	Invesco S&P 500 High Div/Low Volat. ETF	4,910	$203K	0.0%	—	—	COM	46138e362
DTE	DTE Energy	1,844	$203K	0.0%	—	—	COM	233331107
TAK	Takeda Pharmaceutical Co.	12,871	$202K	0.0%	—	—	COM	874060205
—	Eaton Vance Municipal Income TR	16,584	$165K	0.0%	—	—	COM	27826u108
FRO	Frontline, LTD.	10,700	$155K	0.0%	—	—	COM	M46528101
ISUZY	Isuzu Motors Ltd.	11,866	$144K	0.0%	—	—	COM	465254209
MUFG	Mitsubishi UFJ Fin'l. Grp. ADR	19,090	$141K	0.0%	—	—	COM	606822104
—	Vodafone Group PLC ADR	14,363	$136K	0.0%	—	—	COM	92857w308
—	Barings BDC, Inc.	13,874	$109K	0.0%	—	—	COM	06759l103
—	Highlands REIT Inc.	47,624	$13,335	0.0%	—	—	COM	per431522
—	Amyris, Inc.	10,450	$10,764	0.0%	—	—	COM	03236m200
—	Mitsubishi UFJ Fin'l. Grp. ADR	10,183	$560	0.0%	—	—	COM	606816104
—	Debt Resolve Inc.	100,000	$100	0.0%	—	—	COM	24276r206