Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
AAPL	Apple Inc.	168,128	$28.79M	3.7%	—	—	COM	037833100
VTI	Vanguard Total Stock Market ETF	83,343	$17.7M	2.3%	—	—	COM	922908769
MSFT	Microsoft Corporation	54,937	$17.35M	2.3%	—	—	COM	594918104
—	Nvidia Corp.	33,225	$14.45M	1.9%	—	—	COM	67066g104
—	Alphabet Inc., Cl. A	106,715	$13.96M	1.8%	—	—	COM	02079k305
VIG	Vanguard Dividend Appreciation ETF	83,529	$12.98M	1.7%	—	—	COM	921908844
AMZN	Amazon.Com Inc.	99,854	$12.69M	1.6%	—	—	COM	023135106
—	Broadcom Inc.	15,136	$12.57M	1.6%	—	—	COM	11135f101
SCHD	Schwab US Div Equity ETF	176,186	$12.47M	1.6%	—	—	COM	808524797
JBL	Jabil Circuit, Inc.	90,828	$11.53M	1.5%	—	—	COM	466313103
MGC	Vanguard Mega Cap ETF	75,014	$11.39M	1.5%	—	—	COM	921910873
COST	Costco Wholesale Corp.	18,612	$10.52M	1.4%	—	—	COM	22160K105
—	LAM Research Corp.	16,701	$10.47M	1.4%	—	—	COM	512807108
—	Blackstone Group Inc. Cl. A	97,289	$10.42M	1.4%	—	—	COM	09260d107
—	MasterCard, Inc.	25,967	$10.28M	1.3%	—	—	COM	57636q104
—	Invesco S&P 500 Quality ETF A	205,317	$10.27M	1.3%	—	—	COM	46137v241
ADM	Archer Daniels Midland	135,630	$10.23M	1.3%	—	—	COM	039483102
URI	United Rentals, Inc.	22,668	$10.08M	1.3%	—	—	COM	911363109
MCHP	Microchip Technology, Inc.	120,876	$9.434M	1.2%	—	—	COM	595017104
CMG	Chipotle Mexican Grill, A	4,744	$8.69M	1.1%	—	—	COM	169656105
HD	Home Depot, Inc.	27,393	$8.277M	1.1%	—	—	COM	437076102
—	HCA Healthcare Co.	33,244	$8.177M	1.1%	—	—	COM	40412c101
—	UnitedHealth Group	15,890	$8.012M	1.0%	—	—	COM	91324p102
FLEX	Flextronics Internat'l. Ltd.	291,997	$7.878M	1.0%	—	—	COM	Y2573F102
—	Vanguard Russell 1000 ETF	35,811	$6.971M	0.9%	—	—	COM	92206c730
TMO	Thermo Fisher Scientific, Inc.	13,766	$6.968M	0.9%	—	—	COM	883556102
DE	Deere & Co.	18,435	$6.957M	0.9%	—	—	COM	244199105
—	Cheniere Energy, Inc	41,506	$6.888M	0.9%	—	—	COM	16411r208
GSLC	Goldman Sachs ActiveBeta US LargeCp Eq ETF	80,851	$6.81M	0.9%	—	—	COM	381430503
FISV	Fiserv, Inc.	59,684	$6.742M	0.9%	—	—	COM	337738108
OC	Owens Corning	49,001	$6.684M	0.9%	—	—	COM	690742101
DAL	Delta Airlines Inc.	178,080	$6.589M	0.9%	—	—	COM	247361702
—	Pacer U.S. Cash Cows 100 - ETF	128,424	$6.348M	0.8%	—	—	COM	69374h881
VO	Vanguard Mid Cap ETF	30,061	$6.26M	0.8%	—	—	COM	922908629
FDL	First Trust Morningstar Div Leaders ETF	183,311	$6.13M	0.8%	—	—	COM	336917109
ALB	Albemarle Corp.	34,735	$5.906M	0.8%	—	—	COM	012653101
GILD	Gilead Sciences Inc.	72,843	$5.459M	0.7%	—	—	COM	375558103
SPGP	Invesco S&P 500 GARP - ETF	58,684	$5.354M	0.7%	—	—	COM	46137V431
—	Intercontinental Exchange Group	48,020	$5.283M	0.7%	—	—	COM	45866f104
VB	Vanguard Index Small Cap ETF	26,091	$4.933M	0.6%	—	—	COM	922908751
BRK/B	Berkshire Hathaway, Cl. B	13,797	$4.833M	0.6%	—	—	COM	084670702
VOOG	Vanguard S&P 500 Growth ETF	19,034	$4.698M	0.6%	—	—	COM	921932505
—	Merck & Co Inc.	45,564	$4.691M	0.6%	—	—	COM	58933y105
—	ProShares S&P 500 Dividend Aristocrats ETF	52,121	$4.615M	0.6%	—	—	COM	74348a467
—	Invesco S&P 500 Low Volatility ETF	78,471	$4.613M	0.6%	—	—	COM	46138e354
IJR	IShares S&P SmallCap 600 Index ETF	48,536	$4.578M	0.6%	—	—	COM	464287804
SPY	SPDR S&P 500 ETF	10,395	$4.444M	0.6%	—	—	COM	78462F103
—	IShares MSCI USA Momentum Factor ETF	31,345	$4.379M	0.6%	—	—	COM	46432f396
SAIA	Saia, Inc.	10,400	$4.146M	0.5%	—	—	COM	78709Y105
—	IShares MSCI USA Minimum Volatility ETF	56,149	$4.064M	0.5%	—	—	COM	46429b697
—	SPDR S&P Value ETF	97,564	$4.025M	0.5%	—	—	COM	78464a508
SHW	Sherwin Williams Company	14,610	$3.726M	0.5%	—	—	COM	824348106
IWV	IShares Russell 3000 Index ETF	14,559	$3.568M	0.5%	—	—	COM	464287689
—	Invesco Russell 1000 Dynamic Multi ETF	77,305	$3.544M	0.5%	—	—	COM	46138j619
—	Invesco QQQ Tr Unit Ser. 1 ETF	9,857	$3.531M	0.5%	—	—	COM	46090e103
—	Quanta Services, Inc.	18,515	$3.464M	0.4%	—	—	COM	74762e102
FTCS	First Trust Capital Strength ETF	47,009	$3.461M	0.4%	—	—	COM	33733E104
WMT	Wal-Mart Stores	21,629	$3.459M	0.4%	—	—	COM	931142103
—	First Trust Value Line Dividend ETF	91,428	$3.418M	0.4%	—	—	COM	33734h106
—	Garmin Ltd.	30,948	$3.256M	0.4%	—	—	COM	h2906t109
IJJ	IShares S&P MidCap 400/Barra Value ETF	32,050	$3.235M	0.4%	—	—	COM	464287705
—	First Trust Rising Dividend Achievers ETF	69,703	$3.203M	0.4%	—	—	COM	33738r506
—	Regeneron Pharmaceuticals	3,811	$3.136M	0.4%	—	—	COM	75886f107
NUE	Nucor Corp.	20,054	$3.135M	0.4%	—	—	COM	670346105
VOO	Vanguard S&P 500 ETF	7,917	$3.109M	0.4%	—	—	COM	922908363
PEP	PepsiCo Inc	18,283	$3.098M	0.4%	—	—	COM	713448108
RPM	RPM Inc. Ohio	32,534	$3.085M	0.4%	—	—	COM	749685103
SCHB	Schwab US Broad Market ETF	61,825	$3.082M	0.4%	—	—	COM	808524102
—	W. P. Carey Inc.	56,064	$3.032M	0.4%	—	—	COM	92936u109
GSIE	Goldman Sachs ActiveBeta Int'l Eq ETF	100,556	$3.02M	0.4%	—	—	COM	381430107
PAYX	PayChex Inc.	26,155	$3.016M	0.4%	—	—	COM	704326107
KO	Coca Cola	53,009	$2.967M	0.4%	—	—	COM	191216100
—	Salesforce.com	14,443	$2.929M	0.4%	—	—	COM	79466l302
—	SolarEdge Technologies, Inc.	22,560	$2.922M	0.4%	—	—	COM	83417m104
PSX	Phillips 66	23,890	$2.87M	0.4%	—	—	COM	718546104
—	AbbVie, Inc.	18,697	$2.787M	0.4%	—	—	COM	00287y109
TKR	Timken Co.	37,437	$2.751M	0.4%	—	—	COM	887389104
IJH	IShares S&P Midcap 400 Index ETF	11,031	$2.75M	0.4%	—	—	COM	464287507
—	Vanguard Russell 1000 Growth ETF	39,764	$2.721M	0.4%	—	—	COM	92206c680
AVT	Avnet Inc.	55,748	$2.686M	0.3%	—	—	COM	053807103
FBND	Fidelity Merrimack Str Total Bond Fund ETF	61,080	$2.661M	0.3%	—	—	COM	316188309
DLR	Digital Realty Trust Inc.	21,840	$2.643M	0.3%	—	—	COM	253868103
—	Hewlett Packard Enterprise Co.	147,566	$2.563M	0.3%	—	—	COM	42824c109
CVS	CVS Health Corp.	36,385	$2.54M	0.3%	—	—	COM	126650100
ORI	Old Republic Nat'l. Corp.	92,698	$2.497M	0.3%	—	—	COM	680223104
QQEW	First Trust NASDAQ-100 Equal Wtd ETF	23,949	$2.49M	0.3%	—	—	COM	337344105
JPEF	JPMorgan Equity Focus - ETF	51,960	$2.466M	0.3%	—	—	COM	46654Q781
MCD	McDonalds Corp.	9,337	$2.46M	0.3%	—	—	COM	580135101
—	Global Payments Inc.	20,985	$2.421M	0.3%	—	—	COM	37940x102
WMB	Williams Companies	71,598	$2.412M	0.3%	—	—	COM	969457100
—	JPMorgan Ultra-Short Income ETF	46,699	$2.343M	0.3%	—	—	COM	46641q837
VUG	Vanguard Growth ETF	8,594	$2.34M	0.3%	—	—	COM	922908736
SNA	Snap-on Incorporated	9,148	$2.333M	0.3%	—	—	COM	833034101
JNJ	Johnson & Johnson	14,911	$2.322M	0.3%	—	—	COM	478160104
—	Meta Platforms, Inc.	7,627	$2.29M	0.3%	—	—	COM	30303m102
—	Cardinal Health	25,478	$2.212M	0.3%	—	—	COM	14149y108
—	Vanguard World Health Care ETF	9,330	$2.193M	0.3%	—	—	COM	92204a504
—	Vanguard Information Technology ETF	5,263	$2.184M	0.3%	—	—	COM	92204a702
VYM	Vanguard High Dividend Yield ETF	21,116	$2.182M	0.3%	—	—	COM	921946406
—	S&P Global, Inc.	5,850	$2.138M	0.3%	—	—	COM	78409v104
IWR	IShares Russell Midcap Index ETF	30,440	$2.108M	0.3%	—	—	COM	464287499
GPC	Genuine Parts Co.	14,582	$2.105M	0.3%	—	—	COM	372460105
—	Interactive Brokers Group, Inc.	23,535	$2.037M	0.3%	—	—	COM	45841n107
LOW	Lowe's Cos	9,660	$2.008M	0.3%	—	—	COM	548661107
PG	Procter and Gamble	13,567	$1.979M	0.3%	—	—	COM	742718109
—	Civitas Resources, Inc.	24,408	$1.974M	0.3%	—	—	COM	17888h103
—	Alphabet Inc., Cl. C	14,663	$1.933M	0.3%	—	—	COM	02079k107
OMC	Omnicom Group	25,672	$1.912M	0.2%	—	—	COM	681919106
AWR	American States Water Co.	24,287	$1.911M	0.2%	—	—	COM	029899101
IWM	IShares Russell 2000 Index ETF	10,659	$1.884M	0.2%	—	—	COM	464287655
—	First Trust SMID Cap Rising Div Achv ETF	65,591	$1.852M	0.2%	—	—	COM	33741x102
—	SPDR S&P Dividend ETF	16,038	$1.845M	0.2%	—	—	COM	78464a763
AZN	AstraZeneca PLC ADR	26,799	$1.815M	0.2%	—	—	COM	046353108
—	Hilton Worldwide Holdings, Inc.	11,940	$1.793M	0.2%	—	—	COM	43300a203
—	iShares MSCI Multifactor USA Small-Cap ETF	34,433	$1.781M	0.2%	—	—	COM	46434v290
LLY	Lilly (Eli)	3,300	$1.772M	0.2%	—	—	COM	532457108
TEX	Terex Corp.	30,479	$1.756M	0.2%	—	—	COM	880779103
—	H&E Equipment Services, Inc.	40,584	$1.753M	0.2%	—	—	COM	404030108
VOE	Vanguard Mid-Cap Value ETF	13,083	$1.713M	0.2%	—	—	COM	922908512
ABT	Abbott Laboratories	17,429	$1.688M	0.2%	—	—	COM	002824100
MTG	MGIC Investment Corp.	98,308	$1.641M	0.2%	—	—	COM	552848103
GIS	General Mills	25,350	$1.622M	0.2%	—	—	COM	370334104
CAT	Caterpillar Inc.	5,927	$1.618M	0.2%	—	—	COM	149123101
XOM	Exxon Mobil Corp.	13,712	$1.612M	0.2%	—	—	COM	30231G102
IWY	iShares Russell Top 200 Growth ETF	10,310	$1.586M	0.2%	—	—	COM	464289438
—	Essent Group Ltd.	33,283	$1.574M	0.2%	—	—	COM	g3198u102
DVY	IShares Select Dividend ETF	14,431	$1.553M	0.2%	—	—	COM	464287168
BBY	Best Buy Company, Inc.	22,296	$1.549M	0.2%	—	—	COM	086516101
TMUS	T-Mobile US Inc.	10,848	$1.519M	0.2%	—	—	COM	872590104
—	Monster Beverage Corp.	28,007	$1.483M	0.2%	—	—	COM	61174x109
ESS	Essex Property Trust	6,774	$1.437M	0.2%	—	—	COM	297178105
—	AGNC Investment Corp	151,703	$1.432M	0.2%	—	—	COM	00123q104
PM	Philip Morris Internat'l.	15,149	$1.403M	0.2%	—	—	COM	718172109
DGX	Quest Diagnostics	11,447	$1.395M	0.2%	—	—	COM	74834L100
VEU	Vanguard FTSE All-World (ex. US) ETF	26,726	$1.386M	0.2%	—	—	COM	922042775
—	First Trust Mid Cap Core AlphaDEX ETF	14,962	$1.378M	0.2%	—	—	COM	33735b108
—	Jacobs Solutions, Inc.	10,040	$1.37M	0.2%	—	—	COM	46982l108
PFE	Pfizer, Inc.	40,579	$1.346M	0.2%	—	—	COM	717081103
NFG	National Fuel Gas Co.	25,814	$1.34M	0.2%	—	—	COM	636180101
DKS	Dicks Sporting Goods	12,240	$1.329M	0.2%	—	—	COM	253393102
ADP	Automatic Data Processing	5,501	$1.323M	0.2%	—	—	COM	053015103
MU	Micron Technology, Inc.	19,400	$1.32M	0.2%	—	—	COM	595112103
NJR	New Jersey Resources Corp.	32,451	$1.318M	0.2%	—	—	COM	646025106
—	Kellanova	22,134	$1.317M	0.2%	—	—	COM	487836108
IP	International Paper	36,915	$1.309M	0.2%	—	—	COM	460146103
—	SPDR Dow Jones Industrial Average ETF	3,900	$1.306M	0.2%	—	—	COM	78467x109
UNP	Union Pacific Corp.	6,398	$1.303M	0.2%	—	—	COM	907818108
—	Allete, Inc.	24,557	$1.297M	0.2%	—	—	COM	018522300
JPM	J.P. Morgan Chase & Co.	8,852	$1.284M	0.2%	—	—	COM	46625H100
—	Mosaic Co.	35,579	$1.267M	0.2%	—	—	COM	61945c103
—	Pacer FDS TR Developed Mrkts Int'l CC ETF	42,280	$1.263M	0.2%	—	—	COM	69374h873
—	Tesla Motors Inc.	4,980	$1.246M	0.2%	—	—	COM	88160r101
CALF	Pacer U.S. Small Cap Cash Cows 100 - ETF	29,704	$1.239M	0.2%	—	—	COM	69374H857
IBM	I.B.M.	8,616	$1.209M	0.2%	—	—	COM	459200101
—	Eaton Corp., PLC	5,581	$1.19M	0.2%	—	—	COM	g29183103
PANW	Palo Alto Networks, Inc.	5,052	$1.184M	0.2%	—	—	COM	697435105
VTV	Vanguard Value ETF	8,586	$1.184M	0.2%	—	—	COM	922908744
CALM	Cal-Maine Foods, Inc.	24,326	$1.178M	0.2%	—	—	COM	128030202
IJS	IShares S&P SmallCap 600 Barra Value ETF	13,143	$1.173M	0.2%	—	—	COM	464287879
BUSE	First Busey Corp.	60,405	$1.161M	0.2%	—	—	COM	319383204
VOT	Vanguard Mid-Cap Growth ETF	5,873	$1.144M	0.1%	—	—	COM	922908538
—	First Trust Water ETF	13,753	$1.138M	0.1%	—	—	COM	33733b100
—	Cisco Systems	21,148	$1.137M	0.1%	—	—	COM	17275r102
—	First Tr TCW Opportunistic Fixed Inc ETF	26,300	$1.106M	0.1%	—	—	COM	33740f805
ORCL	Oracle Corp	10,427	$1.104M	0.1%	—	—	COM	68389X105
—	SPDR S&P MidCap 400 ETF	2,403	$1.097M	0.1%	—	—	COM	78467y107
IWN	IShares Russell 2000 Value Index ETF	8,034	$1.089M	0.1%	—	—	COM	464287630
AFL	AFLAC, Inc.	14,083	$1.081M	0.1%	—	—	COM	001055102
—	IShares Edge MSCI USA Quality Factor ETF	8,136	$1.072M	0.1%	—	—	COM	46432f339
NEE	NextEra Energy	18,009	$1.032M	0.1%	—	—	COM	65339F101
BP	BP Amoco PLC ADR	26,563	$1.029M	0.1%	—	—	COM	055622104
—	WisdomTree International Hdgd Div Gr ETF	25,776	$999K	0.1%	—	—	COM	97717x594
—	Visa Inc.	4,335	$997K	0.1%	—	—	COM	92826c839
LNT	Alliant Energy Corp.	20,565	$996K	0.1%	—	—	COM	018802108
NVO	Novo Nordisk A.S. ADR	10,882	$990K	0.1%	—	—	COM	670100205
—	Everest Reinsur. Group, Ltd.	2,635	$979K	0.1%	—	—	COM	g3223r108
CVX	Chevron Corp.	5,563	$938K	0.1%	—	—	COM	166764100
ITW	Illinois Tool Works	4,001	$921K	0.1%	—	—	COM	452308109
BKH	Black Hills Corp.	18,199	$921K	0.1%	—	—	COM	092113109
KHC	Kraft Heinz Co.	26,818	$902K	0.1%	—	—	COM	500754106
—	Vanguard Russell 1000 Value ETF	13,227	$882K	0.1%	—	—	COM	92206c714
SCHA	Schwab Strategic US Small-Cap ETF	21,186	$878K	0.1%	—	—	COM	808524607
—	Capital Group Growth - ETF	35,594	$872K	0.1%	—	—	COM	14020g101
TSM	Taiwan Semiconductor Mfg. Co. Ltd.	10,012	$870K	0.1%	—	—	COM	874039100
CMI	Cummins Engine Inc.	3,778	$863K	0.1%	—	—	COM	231021106
SCHG	Schwab US Large-Cap Growth ETF	11,785	$857K	0.1%	—	—	COM	808524300
—	Apartment Income REIT Corp.	27,596	$847K	0.1%	—	—	COM	03750l109
MDLZ	Mondelez International, Inc.	12,075	$838K	0.1%	—	—	COM	609207105
SCHX	Schwab US Large-Cap ETF	16,525	$836K	0.1%	—	—	COM	808524201
—	ProShares S&P MidCap 400 Dividend Aristo.	12,528	$836K	0.1%	—	—	COM	74347b680
IUSV	IShares Core US Value ETF	11,065	$826K	0.1%	—	—	COM	464287663
—	WEX, Inc.	4,350	$818K	0.1%	—	—	COM	96208t104
IWB	IShares Russell 1000 Index Fund ETF	3,476	$817K	0.1%	—	—	COM	464287622
IWF	IShares Russell 1000 Growth Index ETF	3,018	$803K	0.1%	—	—	COM	464287614
SCHM	Schwab US Mid-Cap ETF	11,843	$802K	0.1%	—	—	COM	808524508
—	Energy Select Sector SPDR ETF	8,803	$796K	0.1%	—	—	COM	81369y506
IWS	IShares Russell Midcap Value Index ETF	7,315	$763K	0.1%	—	—	COM	464287473
—	Microport Scientific Corp.	504,670	$747K	0.1%	—	—	COM	g60837104
—	SPDR Gold Shares ETF	4,297	$737K	0.1%	—	—	COM	78463v107
MO	Altria Group, Inc.	17,295	$727K	0.1%	—	—	COM	02209S103
AMD	Advanced Micro Devices	6,927	$712K	0.1%	—	—	COM	007903107
BDX	Becton Dickinson & Co.	2,752	$711K	0.1%	—	—	COM	075887109
DIS	Walt Disney Co	8,486	$688K	0.1%	—	—	COM	254687106
WSC	WillScot Mobile Mini Hldgs Corp, Cl. A	16,497	$686K	0.1%	—	—	COM	971378104
—	Pacer Global Cash Cows Dividend ETF	20,925	$681K	0.1%	—	—	COM	69374h709
—	T. Rowe Price Dividend Growth ETF	21,222	$681K	0.1%	—	—	COM	87283q404
VWO	Vanguard Emerging Mkts. ETF	17,315	$679K	0.1%	—	—	COM	922042858
—	First Tr Large Cap Core AlphaDex Fd ETF	8,191	$664K	0.1%	—	—	COM	33734k109
ESGV	Vanguard ESG US Stock - ETF	8,712	$655K	0.1%	—	—	COM	921910733
VV	Vanguard Large Cap ETF	3,325	$651K	0.1%	—	—	COM	922908637
COP	ConocoPhillips	5,422	$650K	0.1%	—	—	COM	20825C104
—	Nuveen TR ESG Large Cap Growth ETF	10,750	$645K	0.1%	—	—	COM	67092p201
VBR	Vanguard Small Cap Value ETF	4,036	$644K	0.1%	—	—	COM	922908611
IYH	IShares US Healthcare ETF	2,378	$642K	0.1%	—	—	COM	464287762
DVN	Devon Energy Corp.	13,460	$642K	0.1%	—	—	COM	25179M103
—	Marathon Petroleum Corp.	4,198	$635K	0.1%	—	—	COM	56585a102
IWL	IShares - Russell 200 Index ETF	6,029	$623K	0.1%	—	—	COM	464289446
—	JPMorgan Equity Premium Income ETF	11,570	$620K	0.1%	—	—	COM	46641q332
IVV	IShares S&P 500 Index ETF	1,397	$600K	0.1%	—	—	COM	464287200
MCO	Moody's Corp.	1,880	$594K	0.1%	—	—	COM	615369105
QCOM	Qualcomm Inc.	5,285	$587K	0.1%	—	—	COM	747525103
LDOS	Leidos Holdings, Inc.	6,333	$584K	0.1%	—	—	COM	525327102
—	IShares Core MSCI Total Int'l Stk ETF	9,676	$580K	0.1%	—	—	COM	46432f834
RIO	Rio Tinto PLC ADR F	8,973	$571K	0.1%	—	—	COM	767204100
—	Invesco S&P 500 Revenue ETF	7,300	$570K	0.1%	—	—	COM	46138g698
—	VanEck Morningstar Wide Moat - ETF	7,304	$554K	0.1%	—	—	COM	92189f643
—	First Trust Senior Loan Fund ETF	12,094	$553K	0.1%	—	—	COM	33738d309
DHR	Danaher Corp.	2,222	$551K	0.1%	—	—	COM	235851102
—	Unilever PLC ADR	11,079	$547K	0.1%	—	—	COM	904767704
GEM	Goldman Sachs ActiveBeta Emerging Mkts ETF	19,060	$546K	0.1%	—	—	COM	381430206
BMY	Bristol-Myers Squibb	9,314	$541K	0.1%	—	—	COM	110122108
—	Constellation Brands, Inc.	2,133	$536K	0.1%	—	—	COM	21036p108
BRK/A	Berkshire Hathaway, Cl. A	1	$531K	0.1%	—	—	COM	084670108
INTC	Intel Corp.	14,879	$529K	0.1%	—	—	COM	458140100
—	Technology Select Sector SPDR ETF	3,217	$527K	0.1%	—	—	COM	81369y803
ADBE	Adobe Systems, Inc.	1,023	$522K	0.1%	—	—	COM	00724F101
FNDB	Schwab Fundamental US Broad Market ETF	9,419	$519K	0.1%	—	—	COM	808524789
TGT	Target Corp.	4,666	$516K	0.1%	—	—	COM	87612E106
VEA	Vanguard Tax-Mgd Int'l Dev. Markets ETF	11,417	$499K	0.1%	—	—	COM	921943858
T	AT&T Inc.	33,142	$498K	0.1%	—	—	COM	00206R102
WM	Waste Management, Inc.	3,253	$496K	0.1%	—	—	COM	94106L109
—	Invesco BulletShares 2024 Corp Bond ETF	23,798	$492K	0.1%	—	—	COM	46138j841
—	SPDR S&P Emerging Markets ETF	14,517	$487K	0.1%	—	—	COM	78463x509
—	Enbridge Inc.	14,577	$486K	0.1%	—	—	COM	29250n105
SHEL	Shell PLC ADR	7,455	$480K	0.1%	—	—	COM	780259305
VNQ	Vanguard REIT ETF	6,337	$479K	0.1%	—	—	COM	922908553
VOOV	Vanguard S&P 500 Value ETF	3,205	$477K	0.1%	—	—	COM	921932703
—	Vanguard Russell 3000 ETF	2,485	$474K	0.1%	—	—	COM	92206c599
—	WisdomTree U.S. LargeCap Dividend ETF	7,520	$462K	0.1%	—	—	COM	97717w307
TRV	Travelers Companies Inc.	2,822	$461K	0.1%	—	—	COM	89417E109
—	WisdomTree US Quality Dividend Gr ETF	7,060	$448K	0.1%	—	—	COM	97717x669
AMAT	Applied Materials	3,217	$445K	0.1%	—	—	COM	038222105
SO	Southern Company	6,872	$445K	0.1%	—	—	COM	842587107
AZO	AutoZone, Inc.	175	$444K	0.1%	—	—	COM	053332102
HON	Honeywell Internat'l.	2,357	$435K	0.1%	—	—	COM	438516106
VZ	Verizon Communications	13,377	$434K	0.1%	—	—	COM	92343V104
SBUX	Starbucks Corp.	4,725	$431K	0.1%	—	—	COM	855244109
REZ	IShares Residential Real Estate Capped ETF	6,487	$428K	0.1%	—	—	COM	464288562
—	Equinor ASA	12,707	$417K	0.1%	—	—	COM	29446m102
VBK	Vanguard Small Cap Growth ETF	1,926	$413K	0.1%	—	—	COM	922908595
—	First TR. Ex. Tr. FD N. American Energy	15,498	$409K	0.1%	—	—	COM	33738d101
SCHW	Charles Schwab Corp.	7,442	$409K	0.1%	—	—	COM	808513105
CL	Colgate Palmolive Co.	5,657	$402K	0.1%	—	—	COM	194162103
FITB	Fifth Third Bancorp	15,840	$401K	0.1%	—	—	COM	316773100
AVUV	Avantis U.S. Small Cap Value - ETF	5,085	$396K	0.1%	—	—	COM	025072877
AMGN	Amgen, Inc.	1,462	$393K	0.1%	—	—	COM	031162100
—	Industrial Select Sector SPDR ETF	3,857	$391K	0.1%	—	—	COM	81369y704
—	Dimensional US Marketwide Value - ETF	11,376	$387K	0.1%	—	—	COM	25434v724
LMT	Lockheed Martin Corp.	936	$383K	0.0%	—	—	COM	539830109
EMR	Emerson Electric Co.	3,880	$375K	0.0%	—	—	COM	291011104
—	Regions Financial Corp.	21,494	$370K	0.0%	—	—	COM	7591ep100
—	First Trust Managed Municipal ETF	7,561	$370K	0.0%	—	—	COM	33739n108
APD	Air Products & Chem	1,302	$369K	0.0%	—	—	COM	009158106
—	Invesco BulletShares 2025 Corp Bond ETF	18,228	$367K	0.0%	—	—	COM	46138j825
—	Health Care Select Sector SPDR ETF	2,840	$366K	0.0%	—	—	COM	81369y209
—	GlaxoSmithKline PLC	10,021	$363K	0.0%	—	—	COM	37733w204
—	Coca Cola European Partners PLC	5,647	$353K	0.0%	—	—	COM	g25839104
AVUS	American Centy ETF TR Avantis US Equity	4,791	$351K	0.0%	—	—	COM	025072885
MAS	Masco Corp.	6,538	$349K	0.0%	—	—	COM	574599106
LOGI	Logitech Internat'l. SA	5,016	$346K	0.0%	—	—	COM	H50430232
INFY	Infosys Technologies, Ltd.	20,145	$345K	0.0%	—	—	COM	456788108
MUB	iShares National Muni Bond ETF	3,355	$344K	0.0%	—	—	COM	464288414
MGK	Vanguard Mega Cap Growth ETF	1,498	$340K	0.0%	—	—	COM	921910816
JHMM	John Hancock Multifactor Mid Cap ETF	7,125	$337K	0.0%	—	—	COM	47804J206
—	Materials Select Sector SPDR ETF	4,248	$334K	0.0%	—	—	COM	81369y100
—	First Trust NYSE Arca Biotech ETF	2,260	$331K	0.0%	—	—	COM	33733e203
—	Farmland Partners, Inc.	31,600	$324K	0.0%	—	—	COM	31154r109
—	Uber Technologies Inc.	6,964	$320K	0.0%	—	—	COM	90353t100
—	Capital Group Dividend Value - ETF	11,990	$317K	0.0%	—	—	COM	14020w106
ELV	Elevance Health	727	$317K	0.0%	—	—	COM	036752103
FSLR	First Solar, Inc.	1,955	$316K	0.0%	—	—	COM	336433107
UPS	United Parcel Service, Inc.	2,012	$314K	0.0%	—	—	COM	911312106
VRTX	Vertex Pharmaceutical	900	$313K	0.0%	—	—	COM	92532F100
YARIY	Yara International ADR	16,475	$312K	0.0%	—	—	COM	984851204
AJG	Gallagher, Arthur J & Co.	1,360	$310K	0.0%	—	—	COM	363576109
—	Raytheon Technologies Corp.	4,270	$307K	0.0%	—	—	COM	75513e101
YUM	Yum Brands, Inc.	2,439	$305K	0.0%	—	—	COM	988498101
—	MercadoLibre Inc.	240	$304K	0.0%	—	—	COM	58733r102
WDFC	W D 40 Co.	1,489	$303K	0.0%	—	—	COM	929236107
LEA	Lear Corp.	2,250	$302K	0.0%	—	—	COM	521865204
—	Duke Energy Corp	3,417	$302K	0.0%	—	—	COM	26441c204
NSC	Norfolk Southern Corp.	1,523	$300K	0.0%	—	—	COM	655844108
BAC	Bank of America	10,905	$299K	0.0%	—	—	COM	060505104
IYR	IShares US Real Estate ETF	3,766	$294K	0.0%	—	—	COM	464287739
MHGVY	Mowi ASA ADR	16,405	$291K	0.0%	—	—	COM	624678108
DOW	Dow Inc.	5,625	$290K	0.0%	—	—	COM	260557103
IWD	IShares Russell 1000 Value Index ETF	1,910	$290K	0.0%	—	—	COM	464287598
SLF	Sun Life Financial, Inc.	5,919	$289K	0.0%	—	—	COM	866796105
HSBC	HSBC Holdings PLC ADR	7,300	$288K	0.0%	—	—	COM	404280406
NGG	National Grid PLC ADR	4,724	$286K	0.0%	—	—	COM	636274409
UMC	United Microelectronics ADR	40,473	$286K	0.0%	—	—	COM	910873405
BMO	Bank of Montreal	3,369	$284K	0.0%	—	—	COM	063671101
—	Linde PLC	745	$277K	0.0%	—	—	COM	g54950103
BHP	BHP Billiton, Ltd. ADR	4,852	$276K	0.0%	—	—	COM	088606108
—	First TR Global Tactical Commodity ETF	11,424	$274K	0.0%	—	—	COM	33739h101
VXF	Vanguard Extended Market ETF	1,900	$272K	0.0%	—	—	COM	922908652
EFA	IShares MSCI EAFE ETF	3,932	$271K	0.0%	—	—	COM	464287465
NOC	Northrop Grumman	605	$266K	0.0%	—	—	COM	666807102
—	American Tower Corp.	1,558	$256K	0.0%	—	—	COM	03027x100
BND	Vanguard Bd Index - Total Bd Market ETF	3,670	$256K	0.0%	—	—	COM	921937835
AXP	American Express	1,713	$256K	0.0%	—	—	COM	025816109
ICF	IShares Cohen & Steers REIT ETF	5,092	$255K	0.0%	—	—	COM	464287564
SYK	Stryker Corporation	917	$251K	0.0%	—	—	COM	863667101
—	Novartis AG ADR	2,418	$246K	0.0%	—	—	COM	66987v109
—	Charter Communications, Inc.	555	$244K	0.0%	—	—	COM	16119p108
—	PIMCO Intermediate Muni Bd Actv - ETF	4,845	$243K	0.0%	—	—	COM	72201r866
—	Seagate Technology Holdings PLC	3,678	$243K	0.0%	—	—	COM	g7997r103
FRO	Frontline, LTD.	12,910	$242K	0.0%	—	—	COM	M46528101
—	3M Company	2,555	$239K	0.0%	—	—	COM	88579y101
—	Petroleo Brasileiro Petrobras ADR	15,901	$238K	0.0%	—	—	COM	71654v408
ADI	Analog Devices Inc.	1,350	$236K	0.0%	—	—	COM	032654105
CSX	CSX Corp.	7,659	$236K	0.0%	—	—	COM	126408103
—	ASML Hldg N V	400	$235K	0.0%	—	—	COM	n07059210
RLI	RLI Corp.	1,704	$232K	0.0%	—	—	COM	749607107
O	Realty Income Corp.	4,587	$229K	0.0%	—	—	COM	756109104
ABBNY	ABB Ltd. Sponsored ADR	6,377	$227K	0.0%	—	—	COM	000375204
AEE	Ameren Corp.	3,027	$227K	0.0%	—	—	COM	023608102
—	Total Energies SE	3,439	$226K	0.0%	—	—	COM	89151e109
—	Vodafone Group PLC ADR	23,834	$226K	0.0%	—	—	COM	92857w308
—	FlexShares Quality Dividend ETF	3,990	$223K	0.0%	—	—	COM	33939l860
NKE	Nike, Inc.	2,324	$222K	0.0%	—	—	COM	654106103
RCL	Royal Caribbean Cruises, Ltd.	2,400	$221K	0.0%	—	—	COM	V7780T103
PAC	Grupo Aeroportuario del Pacifico ADR	1,342	$221K	0.0%	—	—	COM	400506101
SSREY	Swiss Re Ltd.	8,576	$220K	0.0%	—	—	COM	870886108
CMCSA	Comcast Corp., Cl. A	4,954	$220K	0.0%	—	—	COM	20030N101
—	ServiceNow, Inc.	388	$217K	0.0%	—	—	COM	81762p102
—	UBS Group AG	8,718	$215K	0.0%	—	—	COM	h42097107
PRU	Prudential Financial, Inc.	2,260	$214K	0.0%	—	—	COM	744320102
FDX	Fedex Corp.	804	$213K	0.0%	—	—	COM	31428X106
VLVLY	AB Volvo ADR	10,366	$213K	0.0%	—	—	COM	928854108
—	Veolia Environment ADR	14,726	$212K	0.0%	—	—	COM	92334n103
TDG	TransDigm Group Inc.	249	$210K	0.0%	—	—	COM	893641100
HRL	Hormel Foods Corp.	5,450	$207K	0.0%	—	—	COM	440452100
—	Discover Financial Services, Inc.	2,386	$207K	0.0%	—	—	COM	254709108
BA	Boeing Company	1,071	$205K	0.0%	—	—	COM	097023105
ACWX	IShares - MSCI ACWI ex US ETF	4,363	$205K	0.0%	—	—	COM	464288240
LW	Lamb Weston Hldgs.	2,213	$205K	0.0%	—	—	COM	513272104
—	Accenture, Ltd.	662	$203K	0.0%	—	—	COM	g1151c101
HAL	Halliburton Co.	5,000	$203K	0.0%	—	—	COM	406216101
SIEGY	Siemens AG ADR	2,829	$202K	0.0%	—	—	COM	826197501
IVOO	Vanguard S&P Mid-Cap 400 Index Fund - ETF	2,386	$202K	0.0%	—	—	COM	921932885
ADSK	Autodesk	970	$201K	0.0%	—	—	COM	052769106
—	Ping An Insurance Company of China ADR	17,458	$197K	0.0%	—	—	COM	72341e304
TAK	Takeda Pharmaceutical Co.	12,562	$194K	0.0%	—	—	COM	874060205
—	Apartment Invt. & Mgmt Co. (AIMCO)	27,596	$188K	0.0%	—	—	COM	03748r747
—	BB Seguridade Participacoes ADR	30,437	$187K	0.0%	—	—	COM	05541j103
GGB	Gerdau SA ADR	37,658	$180K	0.0%	—	—	COM	373737105
MUFG	Mitsubishi UFJ Fin'l. Grp. ADR	19,750	$168K	0.0%	—	—	COM	606822104
—	First Trust Preferred Secs & Inc ETF	10,028	$160K	0.0%	—	—	COM	33739e108
ISUZY	Isuzu Motors Ltd.	12,126	$149K	0.0%	—	—	COM	465254209
—	Eaton Vance Municipal Income TR	16,584	$148K	0.0%	—	—	COM	27826u108
—	Barings BDC, Inc.	13,874	$124K	0.0%	—	—	COM	06759l103
—	Amyris, Inc.	10,450	$627	0.0%	—	—	COM	03236m200
—	Debt Resolve Inc.	100,000	$100	0.0%	—	—	COM	24276r206