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
AT&T Inc COM 00206r102 1,785 72,574 SH   SOLE   72,344 0 230
AbbVie Inc. COM 00287y109 3,855 28,472 SH   SOLE   27,467 0 1,005
Abbott Labs COM 002824100 1,135 8,062 SH   SOLE   7,627 0 435
Accenture COM g1151c101 1,416 3,415 SH   SOLE   3,115 0 300
Allegheny Technologies COM 01741r102 1,279 80,320 SH   SOLE   79,095 0 1,225
Alliant Energy COM 018802108 1,244 20,238 SH   SOLE   19,871 0 367
Alphabet Inc. Class A COM 02079k305 2,297 793 SH   SOLE   427 0 366
Alphabet Inc. Class C COM 02079k107 11,727 4,053 SH   SOLE   2,619 0 1,434
Amazon.com COM 023135106 2,938 881 SH   SOLE   851 0 30
Amgen COM 031162100 1,033 4,593 SH   SOLE   4,331 0 262
Apache Corporation COM 03743q108 765 28,447 SH   SOLE   28,447 0 0
Apple Inc. COM 037833100 8,836 49,762 SH   SOLE   48,222 0 1,540
AstraZeneca plc. ADS COM 046353108 999 17,145 SH   SOLE   16,865 0 280
Bank of America COM 060505104 1,660 37,308 SH   SOLE   36,263 0 1,045
Bank of Montreal COM 063671101 250 2,323 SH   SOLE   2,173 0 150
Berkshire Hathaway cl. A (1/10 COM 084990175 901 200 SH   SOLE   200 0 0
Berkshire Hathaway cl. B COM 084670702 2,444 8,175 SH   SOLE   7,943 0 232
Bhang Inc. COM 08862k105 1 20,000 SH   SOLE   20,000 0 0
Bristol-Myers Squibb COM 110122108 1,507 24,173 SH   SOLE   23,583 0 590
Broadcom Inc. COM 11135f101 2,368 3,558 SH   SOLE   3,395 0 163
Bunge Ltd COM g16962105 1,903 20,385 SH   SOLE   19,595 0 790
CVS Caremark Corp COM 126650100 4,680 45,362 SH   SOLE   43,892 0 1,470
Cambridge Heart COM 131910101 0 25,000 SH   SOLE   25,000 0 0
Capital One Finl COM 14040H105 2,229 15,360 SH   SOLE   14,995 0 365
Carnival Corporation COM 143658300 482 23,967 SH   SOLE   23,387 0 580
Caterpillar Inc. COM 149123101 1,415 6,844 SH   SOLE   6,724 0 120
Chevron Corp. COM 166764100 769 6,555 SH   SOLE   6,290 0 265
China Jo-Jo Drugstores, Inc. COM 16949a206 7 19,000 SH   SOLE   19,000 0 0
Cigna Corp. COM 125523100 206 895 SH   SOLE   895 0 0
Cisco Systems Inc. COM 17275R102 768 12,118 SH   SOLE   11,563 0 555
Citigroup Inc. COM 172967424 1,646 27,261 SH   SOLE   26,591 0 670
Colgate-Palmolive Co. COM 194162103 368 4,316 SH   SOLE   3,916 0 400
Costco COM 22160K105 207 365 SH   SOLE   365 0 0
Coterra Energy Inc. COM 127097103 255 13,400 SH   SOLE   13,400 0 0
Deere & Co COM 244199105 359 1,046 SH   SOLE   1,046 0 0
Dentsply Intl. COM 24906p109 798 14,300 SH   SOLE   14,120 0 180
Diebold, Incorporated COM 253651103 296 32,675 SH   SOLE   32,675 0 0
Duke Energy COM 26441C204 222 2,116 SH   SOLE   2,116 0 0
Expedia Group, Inc. COM 30212P303 379 2,099 SH   SOLE   2,074 0 25
Exxon-Mobil COM 30231G102 249 4,075 SH   SOLE   3,900 0 175
Facebook Inc. COM 30303m102 681 2,024 SH   SOLE   1,524 0 500
Fastenal Co. COM 311900104 521 8,131 SH   SOLE   7,531 0 600
FedEx Corp. COM 31428X106 714 2,759 SH   SOLE   2,704 0 55
Fidelity National Info Service COM 31620m106 209 1,912 SH   SOLE   1,912 0 0
Fiserv Inc. COM 337738108 5,124 49,368 SH   SOLE   48,318 0 1,050
Freeport-McMoran COM 35671D857 1,955 46,855 SH   SOLE   44,865 0 1,990
GXO Logistics, Inc. COM 36262g101 1,060 11,666 SH   SOLE   11,326 0 340
General Dynamics COM 369550108 414 1,986 SH   SOLE   1,951 0 35
General Electric Co. COM 369604301 628 6,647 SH   SOLE   6,622 0 25
Genuine Parts COM 372460105 481 3,430 SH   SOLE   3,230 0 200
Goldman Sachs COM 38141G104 2,030 5,306 SH   SOLE   5,146 0 160
Healthier Choices Management C COM 42226n109 0 20,000 SH   SOLE   20,000 0 0
Helen of Troy, Ltd COM g4388n106 1,919 7,850 SH   SOLE   7,470 0 380
Home Depot Inc. COM 437076102 467 1,126 SH   SOLE   1,126 0 0
Huntington Bancshares COM 446150104 2,339 151,688 SH   SOLE   148,928 0 2,760
Ingersoll-Rand Plc COM 45687v106 530 8,572 SH   SOLE   8,572 0 0
Intel Corp. COM 458140100 662 12,860 SH   SOLE   12,510 0 350
Intl Business Mach. Corp. COM 459200101 220 1,647 SH   SOLE   1,517 0 130
Intuitive Surgical COM 46120E602 232 646 SH   SOLE   646 0 0
Invesco S&P 500 Equal Weight E COM 46137V365 3,344 69,995 SH   SOLE   68,980 0 1,015
J.P. Morgan Chase COM 46625H100 3,181 20,089 SH   SOLE   19,593 0 496
Johnson & Johnson COM 478160104 3,582 20,941 SH   SOLE   20,041 0 900
Johnson Controls Intl plc COM G51502105 1,457 17,915 SH   SOLE   17,055 0 860
Kimberly-Clark Corp. COM 494368103 1,224 8,562 SH   SOLE   8,312 0 250
Kinder Morgan, Inc. COM 49456b101 169 10,664 SH   SOLE   10,664 0 0
Lilly Eli & Co. COM 532457108 479 1,735 SH   SOLE   1,535 0 200
MGE Energy COM 55277p104 511 6,213 SH   SOLE   6,063 0 150
MGIC Investment Corp. COM 552848103 2,852 197,769 SH   SOLE   192,404 0 5,365
ManpowerGroup Inc. COM 56418H100 648 6,656 SH   SOLE   6,521 0 135
McDonald's COM 580135101 1,112 4,147 SH   SOLE   3,988 0 159
Medtronic plc COM g5960l103 1,312 12,684 SH   SOLE   11,809 0 875
Microsoft Corp. COM 594918104 10,571 31,432 SH   SOLE   30,700 0 732
Modine Manufacturing COM 607828100 498 49,339 SH   SOLE   47,539 0 1,800
Mosaic Company COM 61945c103 1,539 39,165 SH   SOLE   37,285 0 1,880
NVidia Corp COM 67066G104 3,442 11,704 SH   SOLE   11,554 0 150
NextEra Energy, Inc. COM 65339f101 248 2,654 SH   SOLE   2,654 0 0
Novartis AG COM 66987v109 659 7,532 SH   SOLE   7,417 0 115
O-I Glass, Inc. COM 67098h104 2,887 239,990 SH   SOLE   238,065 0 1,925
Olin Corp COM 680665205 2,371 41,225 SH   SOLE   39,925 0 1,300
Omnicom Group COM 681919106 377 5,150 SH   SOLE   5,150 0 0
Oracle Corp. COM 68389X105 975 11,181 SH   SOLE   10,631 0 550
Oshkosh Corp COM 688239201 1,403 12,445 SH   SOLE   11,975 0 470
PayPal Holdings, Inc. COM 70450y103 1,945 10,316 SH   SOLE   10,095 0 221
Paychex COM 704326107 435 3,185 SH   SOLE   3,185 0 0
Pepsico Inc. COM 713448108 1,964 11,308 SH   SOLE   10,858 0 450
Pfizer Inc. COM 717081103 1,279 21,655 SH   SOLE   21,505 0 150
Procter & Gamble Co. COM 742718109 1,256 7,681 SH   SOLE   7,081 0 600
Public Storage Inc REIT COM 74460D109 276 737 SH   SOLE   737 0 0
Quad/Graphics, Inc. COM 747301109 107 26,650 SH   SOLE   26,650 0 0
Qualcomm Inc. COM 747525103 2,538 13,880 SH   SOLE   13,560 0 320
RPM Inc. COM 749685103 1,501 14,857 SH   SOLE   14,277 0 580
Range Resources COM 75281a109 444 24,905 SH   SOLE   24,130 0 775
Regal-Beloit Corp. COM 758750103 1,243 7,305 SH   SOLE   6,835 0 470
Square, Inc. COM 852234103 315 1,953 SH   SOLE   1,873 0 80
Stanley Black & Decker, Inc. COM 854502101 292 1,550 SH   SOLE   1,425 0 125
Tapestry, Inc. COM 876030107 1,489 36,679 SH   SOLE   35,639 0 1,040
Target Corp. COM 87612E106 1,191 5,148 SH   SOLE   5,006 0 142
Tesla Motors, Inc. COM 88160R101 815 771 SH   SOLE   771 0 0
The Interpublic Group of Compa COM 460690100 328 8,766 SH   SOLE   8,766 0 0
The Walt Disney Co. COM 254687106 260 1,681 SH   SOLE   1,681 0 0
U.S. Bancorp COM 902973304 206 3,672 SH   SOLE   3,372 0 300
UnitedHealth Group Inc COM 91324p102 2,776 5,528 SH   SOLE   5,390 0 138
VF Corp COM 918204108 654 8,929 SH   SOLE   8,149 0 780
Verizon COM 92343V104 1,157 22,276 SH   SOLE   22,126 0 150
Vodafone Grp PLC COM 92857w308 1,667 111,632 SH   SOLE   108,097 0 3,535
WD 40 Company COM 929236107 437 1,785 SH   SOLE   1,785 0 0
WEC Energy Group, Inc. COM 92939u106 1,090 11,228 SH   SOLE   10,703 0 525
Wal-Mart Stores Inc. COM 931142103 630 4,351 SH   SOLE   4,201 0 150
Walgreens Boots Alliance COM 931427108 406 7,781 SH   SOLE   7,226 0 555
Wells Fargo & Co. COM 949746101 1,550 32,296 SH   SOLE   31,641 0 655
XCel Energy Inc. COM 98389b100 587 8,672 SH   SOLE   8,672 0 0
XPO Logistics, Inc. COM 983793100 851 10,994 SH   SOLE   10,679 0 315
ARK Innovation ETF ETF 00214Q104 226 2,386 SH   SOLE   2,339 0 47
Duff & Phelps Select Income Fu ETF 23325P104 132 12,175 SH   SOLE   11,675 0 500
Invesco NASDAQ 100 Index Track ETF 46090e103 322 810 SH   SOLE   805 0 5
Madison Covered Call&Equity St ETF 557437100 102 12,703 SH   SOLE   11,303 0 1,400
MidCap SPDRs ETF 78467y107 372 718 SH   SOLE   718 0 0
S&P 500/Barra Growth (iShares) ETF 464287309 238 2,845 SH   SOLE   2,795 0 50
S&P 500/Barra Value (iShares) ETF 464287408 311 1,983 SH   SOLE   1,948 0 35
S&P Dep Receipts ETF 78462f103 552 1,162 SH   SOLE   952 0 210
S&P Midcap 400 Index (iShares) ETF 464287507 1,328 4,692 SH   SOLE   4,471 0 221
SPDR Portfolio Mid Cap ETF ETF 78464A847 1,936 38,925 SH   SOLE   37,252 0 1,673
SPDR Portfolio S&P 500 High Di ETF 78468r788 1,981 47,111 SH   SOLE   44,517 0 2,593
SPDR S&P 500 Growth ETF ETF 78464A409 6,752 93,176 SH   SOLE   88,096 0 5,080
SPDR S&P 500 Value ETF ETF 78464A508 5,645 134,417 SH   SOLE   125,784 0 8,632
Schwab U.S. Large-Cap ETF ETF 808524201 545 4,785 SH   SOLE   4,785 0 0
Schwab U.S. Large-Cap Growth E ETF 808524300 859 5,246 SH   SOLE   4,872 0 374
Schwab US Dividend Equity ETF ETF 808524797 892 11,030 SH   SOLE   10,380 0 650
Vanguard Mega Cap 300 Growth I ETF 921910816 509 1,952 SH   SOLE   1,952 0 0
Vanguard Total Stock Market ET ETF 922908769 259 1,073 SH   SOLE   1,059 0 14
iShares Core S&P U.S. Growth E ETF 464287671 367 3,176 SH   SOLE   3,176 0 0
iShares Russell Growth Midcap ETF 464287481 279 2,424 SH   SOLE   2,424 0 0
S&P 600/Barra Growth Index (iS SMLC 464287887 3,063 22,066 SH   SOLE   21,244 0 822
S&P 600/Barra Value Index (iSh SMLC 464287879 3,861 36,954 SH   SOLE   35,949 0 1,005
SPDR Portfolio Small Cap ETF SMLC 78468R853 7,007 156,799 SH   SOLE   153,841 0 2,958
Schwab U.S. Small-Cap ETF SMLC 808524607 1,450 14,158 SH   SOLE   12,855 0 1,303
Vanguard Small Cap ETF SMLC 922908751 282 1,248 SH   SOLE   1,248 0 0
iShares S&P SmallCap 600 Index SMLC 464287804 396 3,457 SH   SOLE   3,082 0 375
Europe/Australia/Far-East Inde INTL 464287465 588 7,479 SH   SOLE   7,290 0 189
MSCI Emerging Markets Index (i INTL 464287234 303 6,211 SH   SOLE   5,756 0 455
MSCI Japan Index (iShares) INTL 46434g822 397 5,922 SH   SOLE   5,687 0 235
SPDR Portfolio Emerging Market INTL 78463X509 2,274 54,807 SH   SOLE   53,690 0 1,117
SPDR S&P Developed World ex-US INTL 78463X889 2,573 70,539 SH   SOLE   69,599 0 940
Schwab Fundamental Emerg Mkts INTL 808524730 877 28,302 SH   SOLE   27,952 0 350
Schwab International Equity ET INTL 808524805 5,096 131,095 SH   SOLE   126,311 0 4,784
Vanguard Emerging Markets Stoc INTL 922042858 487 9,851 SH   SOLE   9,626 0 225
Vanguard FTSE All-World ex-US INTL 922042775 299 4,878 SH   SOLE   4,878 0 0
Vanguard FTSE Developed Market INTL 921943858 2,235 43,781 SH   SOLE   41,856 0 1,925
Wisdom Tree Japan Hedged Equit INTL 97717W851 432 6,915 SH   SOLE   6,430 0 485
WisdomTree EAFE Dividend-Wgtd INTL 97717w703 1,236 22,851 SH   SOLE   22,351 0 500
WisdomTree Emerg Mkts High-Yie INTL 97717w315 405 9,342 SH   SOLE   9,207 0 135
WisdomTree Int'l Hedged Divide INTL 97717x594 244 5,325 SH   SOLE   5,125 0 200
iShares MSCI All Country Asia INTL 464288182 522 6,316 SH   SOLE   5,611 0 705
iShares MSCI Emerging Markets INTL 46434g764 748 12,329 SH   SOLE   12,239 0 90
BlackRock Int. Duration Munici FIXD 09253X102 1,220 80,403 SH   SOLE   77,263 0 3,140
BlackRock MuniAssets Fund FIXD 09254j102 1,059 71,265 SH   SOLE   69,265 0 2,000
Calamos Convertible & High Inc FIXD 12811p108 417 25,769 SH   SOLE   23,469 0 2,300
Eaton Vance Limited Duration I FIXD 27828h105 474 36,199 SH   SOLE   33,099 0 3,100
First Trust TCW Opportunistic FIXD 33740F805 2,519 47,343 SH   SOLE   44,239 0 3,104
Invesco CEF Income Composite E FIXD 46138e404 813 33,603 SH   SOLE   29,810 0 3,793
Invesco Ultra Short-Duration E FIXD 46090a887 604 12,000 SH   SOLE   11,500 0 500
Nuveen Municipal Value Fund In FIXD 670928100 257 24,800 SH   SOLE   24,800 0 0
PIMCO Corporate Opportunity Fu FIXD 72201b101 321 19,392 SH   SOLE   18,392 0 1,000
PIMCO Enhanced Short Maturity FIXD 72201r643 646 6,446 SH   SOLE   6,390 0 56
PIMCO Enhanced Short Maturity FIXD 72201r833 1,351 13,301 SH   SOLE   13,051 0 250
Pacer Trendpilot US Bond ETF FIXD 69374h642 4,476 166,226 SH   SOLE   161,146 0 5,080
SPDR Blackstone Senior Loan FIXD 78467v608 3,723 81,586 SH   SOLE   72,926 0 8,660
SPDR Lehman Municipal Bond ETF FIXD 78468r721 240 4,645 SH   SOLE   4,645 0 0
SPDR Short Term Municipal Bond FIXD 78468r739 1,328 27,008 SH   SOLE   26,008 0 1,000
Templeton Global Income Fund FIXD 880198106 54 10,500 SH   SOLE   4,100 0 6,400
Vanguard Total Intl Bond Ind E FIXD 92203j407 200 3,633 SH   SOLE   3,633 0 0
WisdomTree Floating Rate Treas FIXD 97717X628 1,965 78,303 SH   SOLE   74,666 0 3,637
iShares Barclays TIPS Bond Fun FIXD 464287176 604 4,672 SH   SOLE   4,172 0 500
iShares Core International Agg FIXD 46435g672 1,631 29,906 SH   SOLE   29,024 0 882
Gold Shares SPDR CMDT 78463v107 7,311 42,763 SH   SOLE   41,579 0 1,184
iShares Gold Trust CMDT 464285204 489 14,047 SH   SOLE   12,447 0 1,600
Cohen & Steers Realty Fund (iS REAL 464287564 256 3,370 SH   SOLE   3,020 0 350
DJ Wilshire Int'l Real Estate REAL 78463x863 823 23,130 SH   SOLE   21,325 0 1,805
Invesco MSCI Global Timber ETF REAL 46138e545 291 7,850 SH   SOLE   7,200 0 650
SPDR Dow Jones Global Real Est REAL 78463x749 781 13,819 SH   SOLE   13,428 0 391
Weyerhaeuser Co. REAL 962166104 223 5,423 SH   SOLE   5,423 0 0
iShares S&P Global Timber & Fo REAL 464288174 658 7,155 SH   SOLE   6,800 0 355
ProShares S&P 500 Index Invers HEDG 74347b425 139 10,175 SH   SOLE   9,575 0 600