The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 284 1,432 SH   SOLE   1,432 0 0
AT&T Inc COM 00206r102 2,420 84,091 SH   SOLE   82,921 0 1,170
AbbVie Inc. COM 00287y109 3,434 30,488 SH   SOLE   29,483 0 1,005
Abbott Labs COM 002824100 1,034 8,916 SH   SOLE   8,481 0 435
Accenture COM g1151c101 1,094 3,710 SH   SOLE   3,385 0 325
Air Products and Chemicals Inc COM 009158106 201 700 SH   SOLE   500 0 200
Allegheny Technologies COM 01741r102 1,772 84,995 SH   SOLE   83,770 0 1,225
Alliant Energy COM 018802108 1,483 26,593 SH   SOLE   25,926 0 667
Alphabet Inc. Class A COM 02079k305 2,307 945 SH   SOLE   579 0 366
Alphabet Inc. Class C COM 02079k107 11,483 4,582 SH   SOLE   3,145 0 1,437
Altria Group COM 02209s103 332 6,970 SH   SOLE   6,970 0 0
Amazon.com COM 023135106 3,141 913 SH   SOLE   884 0 29
Amgen COM 031162100 1,273 5,223 SH   SOLE   4,961 0 262
Apache Corporation COM 03743q108 692 31,972 SH   SOLE   31,872 0 100
Apple Inc. COM 037833100 9,433 68,872 SH   SOLE   67,207 0 1,665
AstraZeneca plc. ADS COM 046353108 1,019 17,015 SH   SOLE   16,735 0 280
Bank of America COM 060505104 1,944 47,155 SH   SOLE   46,110 0 1,045
Bank of Montreal COM 063671101 240 2,337 SH   SOLE   2,187 0 150
Berkshire Hathaway cl. A (1/10 COM 084990175 837 200 SH   SOLE   200 0 0
Berkshire Hathaway cl. B COM 084670702 2,749 9,890 SH   SOLE   9,658 0 232
Bristol-Myers Squibb COM 110122108 1,691 25,306 SH   SOLE   24,516 0 790
Broadcom Inc. COM 11135f101 1,784 3,741 SH   SOLE   3,578 0 163
Bunge Ltd COM g16962105 1,730 22,140 SH   SOLE   21,250 0 890
CVS Caremark Corp COM 126650100 4,139 49,604 SH   SOLE   48,014 0 1,590
Cabot Oil & Gas Corporation COM 127097103 262 15,000 SH   SOLE   15,000 0 0
Cambridge Heart COM 131910101 0 25,000 SH   SOLE   25,000 0 0
Capital One Finl COM 14040H105 2,395 15,480 SH   SOLE   15,095 0 385
Carnival Corporation COM 143658300 741 28,092 SH   SOLE   27,487 0 605
Caterpillar Inc. COM 149123101 1,695 7,789 SH   SOLE   7,669 0 120
Chevron Corp. COM 166764100 780 7,446 SH   SOLE   7,126 0 320
China Jo-Jo Drugstores, Inc. COM 16949a206 18 19,000 SH   SOLE   19,000 0 0
Cigna Corp. COM 125523100 212 896 SH   SOLE   896 0 0
Cisco Systems Inc. COM 17275R102 709 13,378 SH   SOLE   12,823 0 555
Citigroup Inc. COM 172967424 1,788 25,271 SH   SOLE   24,551 0 720
Coca-Cola Co. COM 191216100 262 4,846 SH   SOLE   4,366 0 480
Colgate-Palmolive Co. COM 194162103 486 5,970 SH   SOLE   5,570 0 400
Deere & Co COM 244199105 545 1,545 SH   SOLE   1,545 0 0
Dentsply Intl. COM 24906p109 842 13,310 SH   SOLE   13,095 0 215
Diebold, Incorporated COM 253651103 226 17,600 SH   SOLE   17,600 0 0
Dominion Resources Inc. COM 25746U109 253 3,434 SH   SOLE   3,164 0 270
Duke Energy COM 26441C204 255 2,580 SH   SOLE   2,580 0 0
Exact Sciences Corp. COM 30063P105 204 1,643 SH   SOLE   1,643 0 0
Expedia Group, Inc. COM 30212P303 1,449 8,853 SH   SOLE   8,608 0 245
Exxon-Mobil COM 30231G102 315 5,001 SH   SOLE   4,826 0 175
Facebook Inc. COM 30303m102 704 2,024 SH   SOLE   1,524 0 500
Fastenal Co. COM 311900104 423 8,131 SH   SOLE   7,531 0 600
FedEx Corp. COM 31428X106 1,107 3,709 SH   SOLE   3,549 0 160
Fidelity National Info Service COM 31620m106 271 1,912 SH   SOLE   1,912 0 0
Fiserv Inc. COM 337738108 5,353 50,081 SH   SOLE   49,151 0 930
Freeport-McMoran COM 35671D857 1,796 48,405 SH   SOLE   46,265 0 2,140
General Dynamics COM 369550108 415 2,206 SH   SOLE   2,171 0 35
General Electric Co. COM 369604301 1,009 74,996 SH   SOLE   74,786 0 210
Genuine Parts COM 372460105 600 4,745 SH   SOLE   4,545 0 200
Goldman Sachs COM 38141G104 1,769 4,660 SH   SOLE   4,530 0 130
Healthier Choices Management C COM 42226n109 0 20,000 SH   SOLE   20,000 0 0
Helen of Troy, Ltd COM g4388n106 1,911 8,375 SH   SOLE   7,995 0 380
Hershey Foods Corp COM 427866108 348 2,000 SH   SOLE   2,000 0 0
Home Depot Inc. COM 437076102 420 1,318 SH   SOLE   1,318 0 0
Huntington Bancshares COM 446150104 1,644 115,223 SH   SOLE   112,463 0 2,760
Ingersoll Rand Inc. COM 45687v106 418 8,572 SH   SOLE   8,572 0 0
Intel Corp. COM 458140100 873 15,552 SH   SOLE   15,092 0 460
Intl Business Mach. Corp. COM 459200101 248 1,690 SH   SOLE   1,560 0 130
Invesco S&P 500 Equal Weight E COM 46137V365 3,238 71,485 SH   SOLE   70,495 0 990
J.P. Morgan Chase COM 46625H100 3,395 21,829 SH   SOLE   21,333 0 496
Johnson & Johnson COM 478160104 3,992 24,233 SH   SOLE   23,383 0 850
Johnson Controls Intl plc COM G51502105 1,267 18,462 SH   SOLE   17,602 0 860
Kimberly-Clark Corp. COM 494368103 1,567 11,710 SH   SOLE   11,460 0 250
Lilly Eli & Co. COM 532457108 398 1,735 SH   SOLE   1,535 0 200
Lockheed Martin Corp. COM 539830109 322 850 SH   SOLE   850 0 0
MGE Energy COM 55277p104 654 8,790 SH   SOLE   8,640 0 150
MGIC Investment Corp. COM 552848103 2,947 216,684 SH   SOLE   211,119 0 5,565
McDonald's COM 580135101 1,274 5,517 SH   SOLE   5,338 0 179
Medical Marijuana, Inc. COM 58463a105 1 42,300 SH   SOLE   42,300 0 0
Medtronic plc COM g5960l103 1,651 13,299 SH   SOLE   12,424 0 875
Merck & Co. Inc. COM 58933y105 252 3,237 SH   SOLE   2,997 0 240
Microsoft Corp. COM 594918104 10,030 37,024 SH   SOLE   36,154 0 870
Modine Manufacturing COM 607828100 1,012 61,024 SH   SOLE   59,224 0 1,800
Mosaic Company COM 61945c103 1,249 39,130 SH   SOLE   37,225 0 1,905
NVidia Corp COM 67066G104 2,542 3,177 SH   SOLE   3,137 0 40
Novartis AG COM 66987v109 797 8,732 SH   SOLE   8,617 0 115
O-I Glass, Inc. COM 67098h104 1,992 122,000 SH   SOLE   122,000 0 0
Olin Corp COM 680665205 2,064 44,610 SH   SOLE   43,310 0 1,300
Omnicom Group COM 681919106 464 5,800 SH   SOLE   5,800 0 0
Oracle Corp. COM 68389X105 889 11,426 SH   SOLE   10,876 0 550
Oshkosh Corp COM 688239201 1,568 12,580 SH   SOLE   12,110 0 470
PayPal Holdings, Inc. COM 70450y103 2,059 7,063 SH   SOLE   6,918 0 145
Paychex COM 704326107 371 3,455 SH   SOLE   3,455 0 0
Pepsico Inc. COM 713448108 1,802 12,161 SH   SOLE   11,711 0 450
Pfizer Inc. COM 717081103 1,031 26,320 SH   SOLE   26,170 0 150
Philip Morris International COM 718172109 256 2,579 SH   SOLE   2,404 0 175
Procter & Gamble Co. COM 742718109 1,279 9,481 SH   SOLE   8,881 0 600
Prudential Financial, Inc. COM 744320102 298 2,905 SH   SOLE   2,670 0 235
Public Storage Inc REIT COM 74460D109 222 737 SH   SOLE   737 0 0
Quad/Graphics, Inc. COM 747301109 125 30,150 SH   SOLE   30,150 0 0
Qualcomm Inc. COM 747525103 1,957 13,690 SH   SOLE   13,370 0 320
RPM Inc. COM 749685103 1,625 18,322 SH   SOLE   17,742 0 580
Range Resources COM 75281a109 489 29,180 SH   SOLE   28,380 0 800
Regal-Beloit Corp. COM 758750103 210 1,570 SH   SOLE   1,220 0 350
Square, Inc. COM 852234103 438 1,798 SH   SOLE   1,778 0 20
Stanley Black & Decker, Inc. COM 854502101 482 2,350 SH   SOLE   2,225 0 125
Tapestry, Inc. COM 876030107 1,659 38,159 SH   SOLE   37,119 0 1,040
Target Corp. COM 87612E106 1,221 5,052 SH   SOLE   4,910 0 142
Tesla Motors, Inc. COM 88160R101 574 845 SH   SOLE   845 0 0
The Interpublic Group of Compa COM 460690100 324 9,966 SH   SOLE   9,966 0 0
The Walt Disney Co. COM 254687106 904 5,144 SH   SOLE   5,144 0 0
U.S. Bancorp COM 902973304 224 3,932 SH   SOLE   3,632 0 300
Union Pacific Corp. COM 907818108 242 1,100 SH   SOLE   1,100 0 0
UnitedHealth Group Inc COM 91324p102 2,222 5,548 SH   SOLE   5,405 0 143
VF Corp COM 918204108 852 10,389 SH   SOLE   9,609 0 780
Verizon COM 92343V104 1,289 23,009 SH   SOLE   22,709 0 300
Visa Inc. COM 92826c839 1,562 6,682 SH   SOLE   6,402 0 280
Vodafone Grp PLC COM 92857w308 2,064 120,482 SH   SOLE   117,127 0 3,355
WD 40 Company COM 929236107 457 1,785 SH   SOLE   1,785 0 0
WEC Energy Group, Inc. COM 92939u106 1,384 15,559 SH   SOLE   14,784 0 775
Wal-Mart Stores Inc. COM 931142103 757 5,371 SH   SOLE   5,221 0 150
Walgreens Boots Alliance COM 931427108 751 14,266 SH   SOLE   13,711 0 555
Wells Fargo & Co. COM 949746101 1,536 33,912 SH   SOLE   33,257 0 655
XCel Energy Inc. COM 98389b100 571 8,672 SH   SOLE   8,672 0 0
XPO Logistics, Inc. COM 983793100 1,430 10,222 SH   SOLE   10,007 0 215
ARK Innovation ETF ETF 00214Q104 510 3,900 SH   SOLE   3,853 0 47
Duff & Phelps Select Income Fu ETF 23325P104 186 17,807 SH   SOLE   16,807 0 1,000
Invesco NASDAQ 100 Index Track ETF 46090e103 289 814 SH   SOLE   812 0 2
Madison Covered Call&Equity St ETF 557437100 148 18,273 SH   SOLE   16,873 0 1,400
MidCap SPDRs ETF 78467y107 357 728 SH   SOLE   728 0 0
S&P 500/Barra Value (iShares) ETF 464287408 290 1,961 SH   SOLE   1,926 0 35
S&P Dep Receipts ETF 78462f103 542 1,266 SH   SOLE   1,056 0 210
S&P Midcap 400 Index (iShares) ETF 464287507 1,242 4,623 SH   SOLE   4,427 0 196
SPDR Portfolio Mid Cap ETF ETF 78464A847 1,727 36,580 SH   SOLE   35,148 0 1,432
SPDR Portfolio S&P 500 High Di ETF 78468r788 1,498 37,359 SH   SOLE   35,492 0 1,867
SPDR S&P 500 Growth ETF ETF 78464A409 6,050 96,085 SH   SOLE   91,165 0 4,920
SPDR S&P 500 Value ETF ETF 78464A508 5,216 131,906 SH   SOLE   123,340 0 8,566
Schwab U.S. Large-Cap ETF ETF 808524201 497 4,785 SH   SOLE   4,785 0 0
Schwab U.S. Large-Cap Growth E ETF 808524300 843 5,775 SH   SOLE   5,401 0 374
Schwab U.S. Large-Cap Value ET ETF 808524409 231 3,374 SH   SOLE   2,838 0 536
Schwab US Dividend Equity ETF ETF 808524797 898 11,869 SH   SOLE   11,219 0 650
Vanguard Mega Cap 300 Growth I ETF 921910816 452 1,952 SH   SOLE   1,952 0 0
Vanguard Total Stock Market ET ETF 922908769 239 1,074 SH   SOLE   1,061 0 13
iShares Core S&P U.S. Growth E ETF 464287671 321 3,176 SH   SOLE   3,176 0 0
iShares Russell Growth Midcap ETF 464287481 274 2,424 SH   SOLE   2,424 0 0
S&P 600/Barra Growth Index (iS SMLC 464287887 2,865 21,601 SH   SOLE   20,779 0 822
S&P 600/Barra Value Index (iSh SMLC 464287879 3,831 36,335 SH   SOLE   35,400 0 935
SPDR Portfolio Small Cap ETF SMLC 78468R853 6,159 140,177 SH   SOLE   137,683 0 2,494
Schwab U.S. Small-Cap ETF SMLC 808524607 1,470 14,106 SH   SOLE   12,863 0 1,243
Vanguard Small Cap ETF SMLC 922908751 274 1,218 SH   SOLE   1,218 0 0
iShares S&P SmallCap 600 Index SMLC 464287804 376 3,327 SH   SOLE   2,952 0 375
China-H FTSE/Xinhua 25 Index ( INTL 464287184 239 5,164 SH   SOLE   4,364 0 800
Europe/Australia/Far-East Inde INTL 464287465 573 7,267 SH   SOLE   7,078 0 189
MSCI Emerging Markets Index (i INTL 464287234 542 9,821 SH   SOLE   9,366 0 455
MSCI Japan Index (iShares) INTL 46434g822 399 5,907 SH   SOLE   5,672 0 235
SPDR Portfolio Emerging Market INTL 78463X509 2,618 57,533 SH   SOLE   56,881 0 652
SPDR S&P Developed World ex-US INTL 78463X889 2,845 77,341 SH   SOLE   76,676 0 665
Schwab Emerging Markets Equity INTL 808524706 259 7,870 SH   SOLE   7,870 0 0
Schwab Fundamental Emerg Mkts INTL 808524730 518 16,076 SH   SOLE   15,726 0 350
Schwab International Equity ET INTL 808524805 958 24,279 SH   SOLE   22,238 0 2,041
Vanguard Emerging Markets Stoc INTL 922042858 532 9,790 SH   SOLE   9,565 0 225
Vanguard FTSE All-World ex-US INTL 922042775 363 5,728 SH   SOLE   5,728 0 0
Vanguard FTSE Developed Market INTL 921943858 2,280 44,256 SH   SOLE   42,331 0 1,925
Wisdom Tree Japan Hedged Equit INTL 97717W851 439 7,190 SH   SOLE   6,705 0 485
WisdomTree EAFE Dividend-Wgtd INTL 97717w703 1,228 22,533 SH   SOLE   22,033 0 500
WisdomTree Emerg Mkts High-Yie INTL 97717w315 427 9,342 SH   SOLE   9,207 0 135
WisdomTree Int'l Hedged Divide INTL 97717x594 244 5,525 SH   SOLE   5,325 0 200
iShares MSCI All Country Asia INTL 464288182 622 6,581 SH   SOLE   5,846 0 735
BlackRock Int. Duration Munici FIXD 09253X102 1,299 83,053 SH   SOLE   79,913 0 3,140
BlackRock MuniAssets Fund FIXD 09254j102 1,252 74,265 SH   SOLE   72,265 0 2,000
Calamos Convertible & High Inc FIXD 12811p108 746 45,695 SH   SOLE   42,120 0 3,575
Eaton Vance Limited Duration I FIXD 27828h105 489 36,897 SH   SOLE   33,447 0 3,450
First Trust TCW Opportunistic FIXD 33740F805 2,447 45,626 SH   SOLE   42,798 0 2,828
Invesco CEF Income Composite E FIXD 46138e404 1,109 45,249 SH   SOLE   40,584 0 4,665
Invesco Ultra Short-Duration E FIXD 46090a887 385 7,620 SH   SOLE   7,620 0 0
Nuveen Dividend Advantage Muni FIXD 67071l106 192 10,725 SH   SOLE   10,725 0 0
Nuveen Municipal Value Fund In FIXD 670928100 332 28,800 SH   SOLE   28,800 0 0
PIMCO Corporate Opportunity Fu FIXD 72201b101 497 25,137 SH   SOLE   24,137 0 1,000
PIMCO Enhanced Short Maturity FIXD 72201r833 954 9,351 SH   SOLE   9,351 0 0
Pacer Trendpilot US Bond ETF FIXD 69374h642 4,702 169,681 SH   SOLE   163,628 0 6,053
Putnam Master Intrm Inc Tr FIXD 746909100 49 11,600 SH   SOLE   11,600 0 0
SPDR Blackstone Senior Loan FIXD 78467v608 3,371 72,822 SH   SOLE   63,112 0 9,710
SPDR Lehman Municipal Bond ETF FIXD 78468r721 266 5,101 SH   SOLE   5,101 0 0
SPDR Short Term Municipal Bond FIXD 78468r739 1,047 21,124 SH   SOLE   20,124 0 1,000
Schwab US Aggregate Bond ETF FIXD 808524839 214 3,918 SH   SOLE   3,683 0 235
Templeton Global Income Fund FIXD 880198106 81 14,500 SH   SOLE   5,100 0 9,400
Vanguard Total Intl Bond Ind E FIXD 92203j407 213 3,727 SH   SOLE   3,727 0 0
WisdomTree Floating Rate Treas FIXD 97717X628 1,713 68,208 SH   SOLE   64,741 0 3,467
iShares Barclays TIPS Bond Fun FIXD 464287176 599 4,677 SH   SOLE   4,177 0 500
iShares Core International Agg FIXD 46435g672 1,665 30,218 SH   SOLE   29,425 0 793
Gold Shares SPDR CMDT 78463v107 7,130 43,050 SH   SOLE   41,927 0 1,123
iShares Gold Trust CMDT 464285204 493 14,619 SH   SOLE   13,019 0 1,600
Cohen & Steers Realty Fund (iS REAL 464287564 207 3,165 SH   SOLE   2,815 0 350
DJ Wilshire Int'l Real Estate REAL 78463x863 860 23,410 SH   SOLE   21,625 0 1,785
Invesco MSCI Global Timber ETF REAL 46138e545 296 7,900 SH   SOLE   7,250 0 650
SPDR Dow Jones Global Real Est REAL 78463x749 735 14,276 SH   SOLE   13,881 0 395
Weyerhaeuser Co. REAL 962166104 209 6,063 SH   SOLE   6,063 0 0
iShares S&P Global Timber & Fo REAL 464288174 603 6,950 SH   SOLE   6,595 0 355
ProShares S&P 500 Index Invers HEDG 74347b425 175 11,388 SH   SOLE   10,788 0 600