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 213 1,432 SH   SOLE   1,432 0 0
AT&T Inc COM 00206r102 1,810 76,609 SH   SOLE   76,375 0 234
AbbVie Inc. COM 00287y109 4,357 26,875 SH   SOLE   25,900 0 975
Abbott Labs COM 002824100 1,040 8,787 SH   SOLE   8,462 0 325
Accenture COM g1151c101 1,070 3,173 SH   SOLE   2,873 0 300
Allegheny Technologies COM 01741r102 1,108 41,300 SH   SOLE   40,450 0 850
Alliant Energy COM 018802108 1,122 17,965 SH   SOLE   17,598 0 367
Alphabet Inc. Class A COM 02079k305 2,461 885 SH   SOLE   519 0 366
Alphabet Inc. Class C COM 02079k107 11,677 4,181 SH   SOLE   2,747 0 1,434
Altria Group COM 02209s103 312 5,970 SH   SOLE   5,970 0 0
Amazon.com COM 023135106 2,654 814 SH   SOLE   785 0 29
Amgen COM 031162100 1,088 4,498 SH   SOLE   4,236 0 262
Apache Corporation COM 03743q108 746 18,055 SH   SOLE   18,055 0 0
Apple Inc. COM 037833100 9,190 52,632 SH   SOLE   51,387 0 1,245
AstraZeneca plc. ADS COM 046353108 1,179 17,770 SH   SOLE   17,490 0 280
BP p.l.c. COM 055622104 213 7,255 SH   SOLE   7,255 0 0
Bank of America COM 060505104 1,899 46,080 SH   SOLE   44,985 0 1,095
Bank of Montreal COM 063671101 285 2,413 SH   SOLE   2,263 0 150
Berkshire Hathaway cl. A (1/10 COM 084990175 1,058 200 SH   SOLE   200 0 0
Berkshire Hathaway cl. B COM 084670702 2,984 8,456 SH   SOLE   8,234 0 222
Bhang Inc. COM 08862k105 1 20,000 SH   SOLE   20,000 0 0
Bristol-Myers Squibb COM 110122108 1,788 24,478 SH   SOLE   23,888 0 590
Broadcom Inc. COM 11135f101 2,281 3,623 SH   SOLE   3,460 0 163
Bunge Ltd COM g16962105 2,243 20,242 SH   SOLE   19,522 0 720
CVS Caremark Corp COM 126650100 3,386 33,458 SH   SOLE   32,083 0 1,376
Cambridge Heart COM 131910101 0 25,000 SH   SOLE   25,000 0 0
Capital One Finl COM 14040H105 440 3,355 SH   SOLE   3,130 0 225
Carnival Corporation COM 143658300 212 10,500 SH   SOLE   10,350 0 150
Caterpillar Inc. COM 149123101 1,829 8,208 SH   SOLE   8,088 0 120
Chevron Corp. COM 166764100 1,199 7,363 SH   SOLE   7,098 0 265
China Jo-Jo Drugstores, Inc. COM 16949a206 6 19,000 SH   SOLE   19,000 0 0
Cigna Corp. COM 125523100 214 895 SH   SOLE   895 0 0
Cisco Systems Inc. COM 17275R102 728 13,053 SH   SOLE   12,498 0 555
Citigroup Inc. COM 172967424 1,366 25,574 SH   SOLE   24,904 0 670
Coca-Cola Co. COM 191216100 288 4,646 SH   SOLE   4,166 0 480
Colgate-Palmolive Co. COM 194162103 411 5,416 SH   SOLE   5,016 0 400
Costco COM 22160K105 202 350 SH   SOLE   350 0 0
Coterra Energy Inc. COM 127097103 361 13,400 SH   SOLE   13,400 0 0
Deere & Co COM 244199105 376 906 SH   SOLE   906 0 0
Diebold, Incorporated COM 253651103 233 34,675 SH   SOLE   34,675 0 0
Dominion Resources Inc. COM 25746U109 261 3,074 SH   SOLE   2,804 0 270
Expedia Group, Inc. COM 30212P303 328 1,674 SH   SOLE   1,654 0 20
Exxon-Mobil COM 30231G102 374 4,528 SH   SOLE   4,378 0 150
Facebook Inc. COM 30303m102 450 2,024 SH   SOLE   1,524 0 500
Fastenal Co. COM 311900104 473 7,956 SH   SOLE   7,356 0 600
FedEx Corp. COM 31428X106 663 2,865 SH   SOLE   2,810 0 55
Fiserv Inc. COM 337738108 5,040 49,708 SH   SOLE   48,733 0 975
Freeport-McMoran COM 35671D857 2,348 47,200 SH   SOLE   45,210 0 1,990
GXO Logistics, Inc. COM 36262g101 779 10,916 SH   SOLE   10,676 0 240
General Dynamics COM 369550108 479 1,986 SH   SOLE   1,951 0 35
General Electric Co. COM 369604301 513 5,602 SH   SOLE   5,577 0 25
Genuine Parts COM 372460105 558 4,430 SH   SOLE   4,230 0 200
Goldman Sachs COM 38141G104 1,819 5,511 SH   SOLE   5,351 0 160
Healthier Choices Management C COM 42226n109 0 20,000 SH   SOLE   20,000 0 0
Helen of Troy, Ltd COM g4388n106 1,653 8,440 SH   SOLE   8,050 0 390
Hershey Foods Corp COM 427866108 433 2,000 SH   SOLE   2,000 0 0
Home Depot Inc. COM 437076102 337 1,127 SH   SOLE   1,127 0 0
Huntington Bancshares COM 446150104 2,292 156,741 SH   SOLE   153,981 0 2,760
Ingersoll-Rand Plc COM 45687v106 421 8,355 SH   SOLE   8,355 0 0
Intel Corp. COM 458140100 623 12,577 SH   SOLE   12,227 0 350
Intl Business Mach. Corp. COM 459200101 215 1,655 SH   SOLE   1,525 0 130
Invesco S&P 500 Equal Weight E COM 46137V365 3,883 57,648 SH   SOLE   56,732 0 916
J.P. Morgan Chase COM 46625H100 2,715 19,916 SH   SOLE   19,420 0 496
Johnson & Johnson COM 478160104 3,848 21,711 SH   SOLE   20,836 0 875
Johnson Controls Intl plc COM G51502105 1,210 18,452 SH   SOLE   17,592 0 860
Kimberly-Clark Corp. COM 494368103 1,205 9,786 SH   SOLE   9,536 0 250
Kinder Morgan, Inc. COM 49456b101 200 10,600 SH   SOLE   10,600 0 0
Kohl's Corp. COM 500255104 559 9,249 SH   SOLE   9,089 0 160
L3Harris Technologies, Inc. COM 502431109 224 900 SH   SOLE   900 0 0
Lilly Eli & Co. COM 532457108 497 1,735 SH   SOLE   1,535 0 200
Lockheed Martin Corp. COM 539830109 375 850 SH   SOLE   850 0 0
MGE Energy COM 55277p104 735 9,213 SH   SOLE   9,063 0 150
MGIC Investment Corp. COM 552848103 2,685 198,144 SH   SOLE   192,779 0 5,365
ManpowerGroup Inc. COM 56418H100 655 6,976 SH   SOLE   6,811 0 165
McDonald's COM 580135101 1,149 4,647 SH   SOLE   4,488 0 159
Medtronic plc COM g5960l103 1,589 14,323 SH   SOLE   13,548 0 775
Merck & Co. Inc. COM 58933y105 220 2,682 SH   SOLE   2,442 0 240
Microsoft Corp. COM 594918104 9,983 32,381 SH   SOLE   31,694 0 687
Modine Manufacturing COM 607828100 400 44,439 SH   SOLE   42,839 0 1,600
Mosaic Company COM 61945c103 1,615 24,290 SH   SOLE   22,865 0 1,425
NVidia Corp COM 67066G104 2,766 10,138 SH   SOLE   9,993 0 145
Novartis AG COM 66987v109 709 8,082 SH   SOLE   7,992 0 90
O-I Glass, Inc. COM 67098h104 3,475 263,635 SH   SOLE   260,010 0 3,625
Olaplex Holdings, Inc. COM 679369108 465 29,735 SH   SOLE   29,390 0 345
Olin Corp COM 680665205 2,154 41,200 SH   SOLE   39,900 0 1,300
Omnicom Group COM 681919106 437 5,150 SH   SOLE   5,150 0 0
Oracle Corp. COM 68389X105 896 10,831 SH   SOLE   10,281 0 550
Oshkosh Corp COM 688239201 1,268 12,597 SH   SOLE   12,127 0 470
PayPal Holdings, Inc. COM 70450y103 1,297 11,215 SH   SOLE   10,894 0 321
Paychex COM 704326107 428 3,135 SH   SOLE   3,135 0 0
Pepsico Inc. COM 713448108 2,040 12,189 SH   SOLE   11,739 0 450
Pfizer Inc. COM 717081103 872 16,846 SH   SOLE   16,696 0 150
Philip Morris International COM 718172109 232 2,471 SH   SOLE   2,346 0 125
Procter & Gamble Co. COM 742718109 1,097 7,181 SH   SOLE   6,631 0 550
Public Storage Inc REIT COM 74460D109 288 737 SH   SOLE   737 0 0
Quad/Graphics, Inc. COM 747301109 185 26,650 SH   SOLE   26,650 0 0
Qualcomm Inc. COM 747525103 1,999 13,079 SH   SOLE   12,759 0 320
RPM Inc. COM 749685103 1,410 17,310 SH   SOLE   16,780 0 530
Range Resources COM 75281a109 587 19,320 SH   SOLE   18,570 0 750
Regal-Beloit Corp. COM 758750103 1,200 8,063 SH   SOLE   7,573 0 490
Square, Inc. COM 852234103 268 1,978 SH   SOLE   1,898 0 80
Stanley Black & Decker, Inc. COM 854502101 303 2,165 SH   SOLE   2,040 0 125
Tapestry, Inc. COM 876030107 1,744 46,949 SH   SOLE   45,959 0 990
Target Corp. COM 87612E106 1,064 5,012 SH   SOLE   4,870 0 142
Tesla Motors, Inc. COM 88160R101 817 758 SH   SOLE   758 0 0
The Interpublic Group of Compa COM 460690100 311 8,766 SH   SOLE   8,766 0 0
The Walt Disney Co. COM 254687106 692 5,049 SH   SOLE   5,049 0 0
Union Pacific Corp. COM 907818108 301 1,101 SH   SOLE   1,101 0 0
UnitedHealth Group Inc COM 91324p102 2,669 5,234 SH   SOLE   5,096 0 138
VF Corp COM 918204108 599 10,534 SH   SOLE   9,754 0 780
Verizon COM 92343V104 1,172 23,013 SH   SOLE   22,863 0 150
Vodafone Grp PLC COM 92857w308 1,835 110,435 SH   SOLE   107,007 0 3,428
WD 40 Company COM 929236107 314 1,715 SH   SOLE   1,715 0 0
WEC Energy Group, Inc. COM 92939u106 1,084 10,864 SH   SOLE   10,339 0 525
Wal-Mart Stores Inc. COM 931142103 763 5,126 SH   SOLE   4,976 0 150
Walgreens Boots Alliance COM 931427108 620 13,840 SH   SOLE   13,285 0 555
Wells Fargo & Co. COM 949746101 1,439 29,703 SH   SOLE   29,068 0 635
XCel Energy Inc. COM 98389b100 626 8,672 SH   SOLE   8,672 0 0
XPO Logistics, Inc. COM 983793100 792 10,876 SH   SOLE   10,661 0 215
Duff & Phelps Select Income Fu ETF 23325P104 155 13,129 SH   SOLE   12,629 0 500
Invesco NASDAQ 100 Index Track ETF 46090e103 266 735 SH   SOLE   730 0 5
Invesco S&P 500 Equal Weight ETF 46137v357 374 2,373 SH   SOLE   2,373 0 0
Madison Covered Call&Equity St ETF 557437100 88 11,155 SH   SOLE   9,755 0 1,400
S&P 500/Barra Growth (iShares) ETF 464287309 223 2,918 SH   SOLE   2,868 0 50
S&P 500/Barra Value (iShares) ETF 464287408 333 2,140 SH   SOLE   2,105 0 35
S&P Dep Receipts ETF 78462f103 525 1,162 SH   SOLE   952 0 210
S&P Midcap 400 Index (iShares) ETF 464287507 1,284 4,784 SH   SOLE   4,563 0 221
SPDR Portfolio Mid Cap ETF ETF 78464A847 304 6,440 SH   SOLE   6,371 0 69
SPDR Portfolio S&P 500 High Di ETF 78468r788 2,430 55,301 SH   SOLE   52,701 0 2,600
SPDR S&P 500 Growth ETF ETF 78464A409 6,560 99,084 SH   SOLE   93,652 0 5,432
SPDR S&P 500 Value ETF ETF 78464A508 6,485 155,322 SH   SOLE   146,520 0 8,803
Schwab U.S. Large-Cap ETF ETF 808524201 515 9,560 SH   SOLE   9,560 0 0
Schwab U.S. Large-Cap Growth E ETF 808524300 764 10,210 SH   SOLE   9,462 0 748
Schwab US Dividend Equity ETF ETF 808524797 871 11,043 SH   SOLE   10,393 0 650
Vanguard Mega Cap 300 Growth I ETF 921910816 460 1,952 SH   SOLE   1,952 0 0
Vanguard Total Stock Market ET ETF 922908769 295 1,296 SH   SOLE   1,282 0 14
iShares Core S&P U.S. Growth E ETF 464287671 336 3,176 SH   SOLE   3,176 0 0
iShares Russell Growth Midcap ETF 464287481 244 2,424 SH   SOLE   2,424 0 0
S&P 600/Barra Growth Index (iS SMLC 464287887 2,877 22,999 SH   SOLE   22,177 0 822
S&P 600/Barra Value Index (iSh SMLC 464287879 3,921 38,297 SH   SOLE   37,192 0 1,105
SPDR Portfolio Small Cap ETF SMLC 78468R853 7,454 177,178 SH   SOLE   173,856 0 3,322
Schwab U.S. Small-Cap ETF SMLC 808524607 1,331 28,098 SH   SOLE   25,492 0 2,606
Vanguard Small Cap ETF SMLC 922908751 265 1,248 SH   SOLE   1,248 0 0
iShares S&P SmallCap 600 Index SMLC 464287804 397 3,682 SH   SOLE   3,307 0 375
Europe/Australia/Far-East Inde INTL 464287465 530 7,208 SH   SOLE   7,043 0 165
MSCI Emerging Markets Index (i INTL 464287234 397 8,786 SH   SOLE   8,331 0 455
MSCI Japan Index (iShares) INTL 46434g822 383 6,222 SH   SOLE   5,987 0 235
SPDR Portfolio Emerging Market INTL 78463X509 2,219 57,440 SH   SOLE   55,914 0 1,526
SPDR S&P Developed World ex-US INTL 78463X889 2,258 65,855 SH   SOLE   65,190 0 665
Schwab Fundamental Emerg Mkts INTL 808524730 1,003 34,655 SH   SOLE   34,175 0 480
Schwab International Equity ET INTL 808524805 7,418 202,015 SH   SOLE   195,833 0 6,182
Vanguard Emerging Markets Stoc INTL 922042858 477 10,351 SH   SOLE   10,126 0 225
Vanguard FTSE All-World ex-US INTL 922042775 230 3,993 SH   SOLE   3,993 0 0
Vanguard FTSE Developed Market INTL 921943858 2,123 44,206 SH   SOLE   42,281 0 1,925
Wisdom Tree Japan Hedged Equit INTL 97717W851 443 6,915 SH   SOLE   6,430 0 485
WisdomTree EAFE Dividend-Wgtd INTL 97717w703 1,295 24,556 SH   SOLE   24,056 0 500
WisdomTree Emerg Mkts High-Yie INTL 97717w315 440 10,052 SH   SOLE   9,917 0 135
WisdomTree Int'l Hedged Divide INTL 97717x594 229 5,325 SH   SOLE   5,125 0 200
iShares MSCI All Country Asia INTL 464288182 474 6,316 SH   SOLE   5,611 0 705
iShares MSCI Emerging Markets INTL 46434g764 897 15,424 SH   SOLE   15,284 0 140
BlackRock Int. Duration Munici FIXD 09253X102 1,142 87,003 SH   SOLE   83,863 0 3,140
BlackRock MuniAssets Fund FIXD 09254j102 1,111 86,815 SH   SOLE   84,815 0 2,000
Calamos Convertible & High Inc FIXD 12811p108 474 33,609 SH   SOLE   31,309 0 2,300
Eaton Vance Limited Duration I FIXD 27828h105 420 35,889 SH   SOLE   32,789 0 3,100
First Trust TCW Opportunistic FIXD 33740F805 1,600 32,266 SH   SOLE   30,301 0 1,965
Invesco CEF Income Composite E FIXD 46138e404 626 28,377 SH   SOLE   24,580 0 3,797
Invesco Ultra Short-Duration E FIXD 46090a887 593 11,900 SH   SOLE   11,400 0 500
Nuveen Dividend Advantage Muni FIXD 67071l106 159 10,725 SH   SOLE   10,725 0 0
Nuveen Municipal Value Fund In FIXD 670928100 245 25,600 SH   SOLE   25,600 0 0
PIMCO Corporate Opportunity Fu FIXD 72201b101 332 21,612 SH   SOLE   20,612 0 1,000
PIMCO Enhanced Short Maturity FIXD 72201r643 593 5,982 SH   SOLE   5,926 0 56
PIMCO Enhanced Short Maturity FIXD 72201r833 1,177 11,751 SH   SOLE   11,501 0 250
Pacer Trendpilot US Bond ETF FIXD 69374h642 4,293 176,609 SH   SOLE   171,008 0 5,600
SPDR Blackstone Senior Loan FIXD 78467v608 4,270 94,970 SH   SOLE   86,145 0 8,825
SPDR Lehman Municipal Bond ETF FIXD 78468r721 222 4,645 SH   SOLE   4,645 0 0
SPDR Short Term Municipal Bond FIXD 78468r739 1,413 29,858 SH   SOLE   28,858 0 1,000
Schwab U.S. TIPS ETF FIXD 808524870 2,745 45,210 SH   SOLE   43,109 0 2,101
Vanguard Total Intl Bond Ind E FIXD 92203j407 235 4,478 SH   SOLE   4,478 0 0
WisdomTree Floating Rate Treas FIXD 97717y527 1,840 36,590 SH   SOLE   34,692 0 1,898
iShares Barclays TIPS Bond Fun FIXD 464287176 570 4,572 SH   SOLE   4,072 0 500
iShares Core International Agg FIXD 46435g672 1,687 32,361 SH   SOLE   31,284 0 1,077
Gold Shares SPDR CMDT 78463v107 3,124 17,293 SH   SOLE   16,925 0 368
iShares Gold Trust CMDT 464285204 351 9,523 SH   SOLE   7,923 0 1,600
iShares Gold Trust Micro CMDT 46436F103 4,937 255,008 SH   SOLE   247,420 0 7,588
iShares Silver Trust CMDT 46428q109 364 15,930 SH   SOLE   15,330 0 600
Cohen & Steers Realty Fund (iS REAL 464287564 232 3,270 SH   SOLE   2,920 0 350
DJ Wilshire Int'l Real Estate REAL 78463x863 788 23,115 SH   SOLE   21,460 0 1,655
Invesco MSCI Global Timber ETF REAL 46138e545 275 7,775 SH   SOLE   7,125 0 650
SPDR Dow Jones Global Real Est REAL 78463x749 767 14,210 SH   SOLE   13,834 0 376
iShares S&P Global Timber & Fo REAL 464288174 631 7,065 SH   SOLE   6,710 0 355
ProShares S&P 500 Index Invers HEDG 74347b425 206 14,625 SH   SOLE   14,025 0 600