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
Estimated average burden
hours per response: 23.8
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
Barings Corporate Investors (M BDFUND 06759X107 6,361 417,686 SH   SOLE   208,843 0 208,843
Barings Participation Inv (MPV BDFUND 06761A103 970 72,416 SH   SOLE   36,208 0 36,208
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747 3,730 35,540 SH   SOLE   17,770 0 17,770
IShares Barclays MBS Bond ETF BDFUND 464288588 569 5,590 SH   SOLE   2,795 0 2,795
IShares Core 1-5 Year Bond ETF BDFUND 46432F859 465 9,600 SH   SOLE   4,800 0 4,800
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318 1,317 51,700 SH   SOLE   25,850 0 25,850
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697 773 29,750 SH   SOLE   14,875 0 14,875
Income Fund of America (AMECX) BDFUND 453320103 431 17,016 SH   SOLE   8,508 0 8,508
Invesco Bullet Shares 2022 (BS BDFUND 46138J882 4,963 233,420 SH   SOLE   116,710 0 116,710
Invesco Bulletshares 2023 Corp BDFUND 46138J866 6,439 305,150 SH   SOLE   152,575 0 152,575
Invesco Bulletshares 2024 (BSC BDFUND 46138J841 5,678 269,480 SH   SOLE   134,740 0 134,740
Invesco Bulletshares 2025 Corp BDFUND 46138J825 1,209 57,820 SH   SOLE   28,910 0 28,910
Invesco Bulletshares 2026 Corp BDFUND 46138J791 410 20,540 SH   SOLE   10,270 0 10,270
Metropolitan West Total Return BDFUND 592905103 360 35,359 SH   SOLE   17,680 0 17,680
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,438 42,120 SH   SOLE   21,060 0 21,060
SPDR Inv't Grade Floating Rate BDFUND 78468R200 17,367 569,590 SH   SOLE   284,795 0 284,795
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,804 80,374 SH   SOLE   40,187 0 40,187
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 1,614 33,700 SH   SOLE   16,850 0 16,850
SPDR ST Corp Bond ETF (SPSB) BDFUND 78464A474 513 17,020 SH   SOLE   8,510 0 8,510
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 6,152 121,650 SH   SOLE   60,825 0 60,825
Schwab US Tips ETF (SCHP) BDFUND 808524870 8,136 134,020 SH   SOLE   67,010 0 67,010
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528 1,404 82,100 SH   SOLE   41,050 0 41,050
Vanguard Intermediate Corp Bon BDFUND 92206C870 13,424 156,022 SH   SOLE   78,011 0 78,011
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 35,237 451,242 SH   SOLE   225,621 0 225,621
Vanguard Tax-Exempt Bond Index BDFUND 922907746 1,312 25,450 SH   SOLE   12,725 0 12,725
iShares 1-5 yr Inv Grade Corp BDFUND 464288646 12,023 232,460 SH   SOLE   116,230 0 116,230
iShares National Muni Bond (MU BDFUND 464288414 11,422 104,180 SH   SOLE   52,090 0 52,090
iShares Short Term Nat'l Muni BDFUND 464288158 8,201 78,400 SH   SOLE   39,200 0 39,200
iShares TIPS Bond Fund (TIP) BDFUND 464287176 6,484 52,048 SH   SOLE   26,024 0 26,024
Healthpeak Prop (PEAK) REIT 42250P103 1,490 43,400 SH   SOLE   21,700 0 21,700
Schwab REIT ETF (SCHH) REIT 808524847 1,354 54,400 SH   SOLE   27,200 0 27,200
Vanguard REIT Index ETF (VNQ) REIT 922908553 1,217 11,230 SH   SOLE   5,615 0 5,615
Weyerhauser (WY) REIT 962166104 3,809 100,490 SH   SOLE   50,245 0 50,245
3M Company (MMM) COM 88579Y101 1,066 7,160 SH   SOLE   3,580 0 3,580
A F L A C Inc. (AFL) COM 001055102 1,275 19,800 SH   SOLE   9,900 0 9,900
AT&T Inc. (T) COM 00206R102 1,001 42,360 SH   SOLE   21,180 0 21,180
Abbott Laboratories (ABT) COM 002824100 3,682 31,112 SH   SOLE   15,556 0 15,556
Abbvie Inc (ABBV) COM 00287Y109 2,887 17,807 SH   SOLE   8,903 0 8,903
Accenture PLC (ACN) COM G1151C101 1,079 3,200 SH   SOLE   1,600 0 1,600
Advanced Micro Devices Inc (AM COM 007903107 1,057 9,664 SH   SOLE   4,832 0 4,832
Aerovironment (AVAV) COM 008073108 950 10,090 SH   SOLE   5,045 0 5,045
Air Prod & Chemicals (APD) COM 009158106 461 1,844 SH   SOLE   922 0 922
Alphabet Class A (GOOGL) COM 02079K305 1,680 604 SH   SOLE   302 0 302
Alphabet Class C (GOOG) COM 02079K107 7,569 2,710 SH   SOLE   1,355 0 1,355
Amazon Com Inc (AMZN) COM 023135106 6,722 2,062 SH   SOLE   1,031 0 1,031
Amcor PLC ADR (AMCR) COM Q03080100 823 72,622 SH   SOLE   36,311 0 36,311
Amgen Incorporated (AMGN) COM 031162100 474 1,960 SH   SOLE   980 0 980
Apple Computer (AAPL) COM 037833100 16,606 95,103 SH   SOLE   47,551 0 47,551
Auto Data Processing (ADP) COM 053015103 1,012 4,446 SH   SOLE   2,223 0 2,223
Autodesk Inc. (ADSK) COM 052769106 2,306 10,760 SH   SOLE   5,380 0 5,380
BWX Technologies (BWXT) COM 05605H100 617 11,450 SH   SOLE   5,725 0 5,725
Bank of America Corp. (BAC) COM 060505104 948 22,996 SH   SOLE   11,498 0 11,498
Bank of Montreal (BMO) COM 063671101 1,715 14,534 SH   SOLE   7,267 0 7,267
Bank of New York (BK) COM 064058100 499 10,050 SH   SOLE   5,025 0 5,025
Baxter Int'l (BAX) COM 071813109 433 5,580 SH   SOLE   2,790 0 2,790
Becton Dickinson (BDX) COM 075887109 641 2,408 SH   SOLE   1,204 0 1,204
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,919 11,104 SH   SOLE   5,552 0 5,552
Boeing Company (BA) COM 097023105 558 2,914 SH   SOLE   1,457 0 1,457
Bristol-Myers Squibb (BMY) COM 110122108 1,584 21,684 SH   SOLE   10,842 0 10,842
CSG Systems Int'l (CSGS) COM 126349109 1,130 17,770 SH   SOLE   8,885 0 8,885
CVS Health Corp. (CVS) COM 126650100 3,336 32,966 SH   SOLE   16,483 0 16,483
Canadian National Railway (CNI COM 136375102 463 3,450 SH   SOLE   1,725 0 1,725
Carrier Global Corp (CARR) COM 14448C104 1,405 30,638 SH   SOLE   15,319 0 15,319
Celanese (CE) COM 150870103 1,880 13,160 SH   SOLE   6,580 0 6,580
Check Point Software Tech (CHK COM M22465104 2,747 19,870 SH   SOLE   9,935 0 9,935
Chevron Corp (CVX) COM 166764100 3,037 18,652 SH   SOLE   9,326 0 9,326
Chewy (CHWY) COM 16679L109 1,168 28,640 SH   SOLE   14,320 0 14,320
Cincinnati Financial (CINF) COM 172062101 809 5,950 SH   SOLE   2,975 0 2,975
Cisco Systems Inc. (CSCO) COM 17275R102 4,916 88,170 SH   SOLE   44,085 0 44,085
Coca Cola Company (KO) COM 191216100 2,094 33,782 SH   SOLE   16,891 0 16,891
Colgate-Palmolive Co. (CL) COM 194162103 1,128 14,878 SH   SOLE   7,439 0 7,439
Comcast Corp NEW CL A (CMCSA) COM 20030N101 2,354 50,268 SH   SOLE   25,134 0 25,134
Concentrix Corp (CNXC) COM 20602D101 816 4,900 SH   SOLE   2,450 0 2,450
Constellation Brands (STZ) COM 21036P108 418 1,814 SH   SOLE   907 0 907
Costco Wholesale (COST) COM 22160K105 445 772 SH   SOLE   386 0 386
DR Horton (DHI) COM 23331a109 812 10,900 SH   SOLE   5,450 0 5,450
Danaher Corp (DHR) COM 235851102 1,207 4,114 SH   SOLE   2,057 0 2,057
Deere Co (DE) COM 244199105 458 1,102 SH   SOLE   551 0 551
Disney Walt Hldg. Co. (DIS) COM 254687106 3,610 26,318 SH   SOLE   13,159 0 13,159
Dominion Energy Inc (D) COM 25746U109 523 6,150 SH   SOLE   3,075 0 3,075
Duke Energy Corp. (DUK) COM 26441C204 819 7,332 SH   SOLE   3,666 0 3,666
ETFMG Prime Cyber Security ETF COM 26924G201 1,678 28,570 SH   SOLE   14,285 0 14,285
Estee Lauder Companies, CL A ( COM 518439104 496 1,820 SH   SOLE   910 0 910
Exact Sciences (EXAS) COM 30063P105 1,696 24,260 SH   SOLE   12,130 0 12,130
Exxon Mobil (XOM) COM 30231G102 4,415 53,462 SH   SOLE   26,731 0 26,731
Fastenal Company (FAST) COM 311900104 773 13,020 SH   SOLE   6,510 0 6,510
General Electric Company (GE) COM 369604103 804 8,784 SH   SOLE   4,392 0 4,392
General Mills, Inc. (GIS) COM 370334104 812 11,984 SH   SOLE   5,992 0 5,992
General Motors New (GM) COM 37045V100 440 10,064 SH   SOLE   5,032 0 5,032
Globalstar Inc. (GSAT) COM 378973408 279 190,130 SH   SOLE   95,065 0 95,065
Graco Inc (GGG) COM 384109104 1,081 15,500 SH   SOLE   7,750 0 7,750
Hamilton Beach Brands Cl A (HB COM 40701T104 787 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203 808 69,452 SH   SOLE   34,726 0 34,726
Hershey Company (HSY) COM 427866108 401 1,850 SH   SOLE   925 0 925
Hologic Inc (HOLX) COM 436440101 2,028 26,396 SH   SOLE   13,198 0 13,198
Home Depot Inc. (HD) COM 437076102 2,811 9,391 SH   SOLE   4,696 0 4,696
Honeywell International (HON) COM 438516106 2,086 10,722 SH   SOLE   5,361 0 5,361
Hormel Foods (HRL) COM 440452100 1,469 28,501 SH   SOLE   14,251 0 14,251
Hyster-Yale Materials Handling COM 449172105 2,008 60,472 SH   SOLE   30,236 0 30,236
Illinois Tool Works Inc (ITW) COM 452308109 1,380 6,590 SH   SOLE   3,295 0 3,295
Illumina (ILMN) COM 452327109 513 1,468 SH   SOLE   734 0 734
Intel Corp. (INTC) COM 458140100 3,994 80,588 SH   SOLE   40,294 0 40,294
Intl Business Machines (IBM) COM 459200101 466 3,584 SH   SOLE   1,792 0 1,792
Invesco Water Resource Port (P COM 46137V142 1,490 28,100 SH   SOLE   14,050 0 14,050
J P Morgan Chase & Co (JPM) COM 46625H100 3,476 25,498 SH   SOLE   12,749 0 12,749
J.M. Smuckers Co (SJM) COM 832696405 1,862 13,750 SH   SOLE   6,875 0 6,875
Johnson & Johnson (JNJ) COM 478160104 5,196 29,320 SH   SOLE   14,660 0 14,660
Kohlberg Kravis & Co (KKR) COM 48251W104 3,283 56,150 SH   SOLE   28,075 0 28,075
Korn Ferry International (KFY) COM 500643200 659 10,150 SH   SOLE   5,075 0 5,075
Kroger (KR) COM 501044101 441 7,690 SH   SOLE   3,845 0 3,845
Landstar System (LSTR) COM 515098101 630 4,176 SH   SOLE   2,088 0 2,088
LeMaitre Vascular (LMAT) COM 525558201 458 9,850 SH   SOLE   4,925 0 4,925
Lilly Eli & Company (LLY) COM 532457108 2,805 9,796 SH   SOLE   4,898 0 4,898
Lowes Companies Inc. (LOW) COM 548661107 659 3,260 SH   SOLE   1,630 0 1,630
McDonalds Corp (MCD) COM 580135101 1,348 5,452 SH   SOLE   2,726 0 2,726
Merck & Co Inc. (MRK) COM 589331107 2,300 28,032 SH   SOLE   14,016 0 14,016
Microsoft Corp. (MSFT) COM 594918104 9,531 30,914 SH   SOLE   15,457 0 15,457
Mondelez (MDLZ) COM 609207105 434 6,920 SH   SOLE   3,460 0 3,460
Moodys Corp. (MCO) COM 615369105 641 1,900 SH   SOLE   950 0 950
Morgan Stanley (MS) COM 617446448 521 5,962 SH   SOLE   2,981 0 2,981
NVIDIA Corporation (NVDA) COM 67066G104 404 1,480 SH   SOLE   740 0 740
Nacco Inds Inc CL A (NC) COM 629579103 1,011 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101 2,057 24,288 SH   SOLE   12,144 0 12,144
Norfolk Southern Cop (NSC) COM 655844108 613 2,150 SH   SOLE   1,075 0 1,075
Oracle Corp. (ORCL) COM 68389X105 1,450 17,524 SH   SOLE   8,762 0 8,762
Otis Worldwide (OTIS) COM 68902V107 625 8,126 SH   SOLE   4,063 0 4,063
PNC Financial Services (PNC) COM 693475105 497 2,694 SH   SOLE   1,347 0 1,347
PayPal Holdings (PYPL) COM 70450Y103 512 4,424 SH   SOLE   2,212 0 2,212
PepsiCo Inc. (PEP) COM 713448108 4,431 26,472 SH   SOLE   13,236 0 13,236
Pfizer Inc (PFE) COM 717081103 3,412 65,901 SH   SOLE   32,950 0 32,950
Phillips 66 (PSX) COM 718546104 1,577 18,256 SH   SOLE   9,128 0 9,128
Procter & Gamble (PG) COM 742718109 3,480 22,774 SH   SOLE   11,387 0 11,387
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,379 23,660 SH   SOLE   11,830 0 11,830
Raytheon Technologies (RTX) COM 75513E101 3,321 33,520 SH   SOLE   16,760 0 16,760
Regions Financial Corp (RF) COM 7591EP100 563 25,300 SH   SOLE   12,650 0 12,650
Renewable Energy Group (REGI) COM 75972A301 465 7,670 SH   SOLE   3,835 0 3,835
SYNNEX Corp (SNX) COM 87162W100 671 6,500 SH   SOLE   3,250 0 3,250
Salesforce.com (CRM) COM 79466L302 1,116 5,256 SH   SOLE   2,628 0 2,628
Scotts Company (SMG) COM 810186106 873 7,100 SH   SOLE   3,550 0 3,550
Smith & Nephew (SNN) COM 83175M205 930 29,150 SH   SOLE   14,575 0 14,575
Sonoco Products (SON) COM 835495102 2,033 32,500 SH   SOLE   16,250 0 16,250
Southwest Airlines (LUV) COM 844741108 1,211 26,450 SH   SOLE   13,225 0 13,225
Sprouts Farmers Markets (SFM) COM 85208M102 510 15,940 SH   SOLE   7,970 0 7,970
Standard Motor Products (SMP) COM 853666105 664 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109 885 9,730 SH   SOLE   4,865 0 4,865
State Street Corp (STT) COM 857477103 758 8,700 SH   SOLE   4,350 0 4,350
Stryker Corp. (SYK) COM 863667101 687 2,570 SH   SOLE   1,285 0 1,285
Sysco Corp. (SYY) COM 871829107 2,697 33,032 SH   SOLE   16,516 0 16,516
T Rowe Price Group (TROW) COM 74144T108 958 6,336 SH   SOLE   3,168 0 3,168
TJX Cos Inc (TJX) COM 872540109 3,503 57,822 SH   SOLE   28,911 0 28,911
Taiwan Semiconductor ADRF Spon COM 874039100 1,470 14,100 SH   SOLE   7,050 0 7,050
Target Corporation (TGT) COM 87612E106 3,176 14,964 SH   SOLE   7,482 0 7,482
Tesla Inc (TSLA) COM 88160R101 987 916 SH   SOLE   458 0 458
Texas Instruments Inc (TXN) COM 882508104 1,292 7,040 SH   SOLE   3,520 0 3,520
The Blackstone Group (BX) COM 09260D107 746 5,880 SH   SOLE   2,940 0 2,940
The Trade Desk Inc (TTD) COM 88339J105 956 13,800 SH   SOLE   6,900 0 6,900
Trex Inc (TREX) COM 89531P105 1,921 29,400 SH   SOLE   14,700 0 14,700
Truist Financial (TFC) COM 89832Q109 426 7,522 SH   SOLE   3,761 0 3,761
Tyson Foods (TSN) COM 902494103 484 5,400 SH   SOLE   2,700 0 2,700
US Bancorp (USB) COM 902973304 2,589 48,720 SH   SOLE   24,360 0 24,360
Ulta Beauty (ULTA) COM 903845303 1,955 4,910 SH   SOLE   2,455 0 2,455
Unilever PLC ADR New F (UL) COM 904767704 931 20,428 SH   SOLE   10,214 0 10,214
Union Pacific Corp. (UNP) COM 907818108 919 3,364 SH   SOLE   1,682 0 1,682
Unitedhealth Group Inc. (UNH) COM 91324P102 1,648 3,232 SH   SOLE   1,616 0 1,616
Vericel (VCEL) COM 92346J108 440 11,520 SH   SOLE   5,760 0 5,760
Verisk Analytics (VRSK) COM 92345Y106 2,627 12,240 SH   SOLE   6,120 0 6,120
Verizon Communications (VZ) COM 92343V104 2,374 46,606 SH   SOLE   23,303 0 23,303
Visa Inc (V) COM 92826C839 2,783 12,550 SH   SOLE   6,275 0 6,275
WD 40 Co (WDFC) COM 929236107 1,905 10,396 SH   SOLE   5,198 0 5,198
WalMart Inc. (WMT) COM 931142103 777 5,220 SH   SOLE   2,610 0 2,610
Zimmer Biomet Holdings Inc. (Z COM 98956P102 719 5,618 SH   SOLE   2,809 0 2,809
Zoetis Inc (ZTS) COM 98978V103 2,418 12,820 SH   SOLE   6,410 0 6,410
IShares S&P 100 Index (OEF) ETF 464287101 928 4,450 SH   SOLE   2,225 0 2,225
Invesco S&P 500 Equal Weighted ETF 46137V357 5,258 33,337 SH   SOLE   16,669 0 16,669
Invesco S&P 500 Low Vol ETF (S ETF 46138E354 824 12,280 SH   SOLE   6,140 0 6,140
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 774 16,400 SH   SOLE   8,200 0 8,200
SPDR S&P Dividend ETF (SDY) ETF 78464A763 942 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 17,811 36,316 SH   SOLE   18,158 0 18,158
SPDR Trust S&P 500 (SPY) ETF 78462F103 1,364 3,021 SH   SOLE   1,511 0 1,511
Schwab Large Cap Growth ETF (S ETF 808524300 10,981 146,761 SH   SOLE   73,380 0 73,380
Schwab Large Cap US ETF (SCHX) ETF 808524201 4,501 83,580 SH   SOLE   41,790 0 41,790
Schwab US Broad Market ETF (SC ETF 808524102 7,794 145,988 SH   SOLE   72,994 0 72,994
Schwab US Dividend Equity (SCH ETF 808524797 4,754 60,260 SH   SOLE   30,130 0 30,130
Schwab US Mid Cap ETF (SCHM) ETF 808524508 13,811 182,060 SH   SOLE   91,030 0 91,030
Schwab US Small Cap ETF (SCHA) ETF 808524607 9,420 198,912 SH   SOLE   99,456 0 99,456
Vanguard Extended Market Index ETF 922908652 2,074 12,520 SH   SOLE   6,260 0 6,260
Vanguard High Dividend Yield E ETF 921946406 504 4,490 SH   SOLE   2,245 0 2,245
Vanguard Mid Cap ETF (VO) ETF 922908629 785 3,300 SH   SOLE   1,650 0 1,650
Vanguard S&P 500 ETF (VOO) ETF 922908363 11,218 27,020 SH   SOLE   13,510 0 13,510
Vanguard Small Cap Growth (VBK ETF 922908595 3,350 13,500 SH   SOLE   6,750 0 6,750
iShares S&P US Preferred Stock ETF 464288687 5,338 146,560 SH   SOLE   73,280 0 73,280
Emerging Markets Internet/Ecom ETF 301505889 583 17,800 SH   SOLE   8,900 0 8,900
IShares Min Volatility EAFE In ETF 43429B689 670 9,290 SH   SOLE   4,645 0 4,645
IShares S&P Global 100 ETF (IO ETF 464287572 1,844 24,250 SH   SOLE   12,125 0 12,125
Ishares Int'l Select Dividend ETF 464288448 661 20,810 SH   SOLE   10,405 0 10,405
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 802 16,790 SH   SOLE   8,395 0 8,395
SPDR International Dividend ET ETF 78463X772 594 15,328 SH   SOLE   7,664 0 7,664
Schwab Emerging Markets ETF (S ETF 808524706 4,021 144,800 SH   SOLE   72,400 0 72,400
Schwab International Equity ET ETF 808524805 15,155 412,710 SH   SOLE   206,355 0 206,355
Vanguard Total World Stock Mar ETF 922042742 713 7,040 SH   SOLE   3,520 0 3,520
iShares MSCI Canada Index Fund ETF 464286509 594 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 2,950 40,081 SH   SOLE   20,040 0 20,040