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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Barings Corporate Investors (M BDFUND 06759X107   5,480 392,536 SH   SOLE   196,268 0 196,268
Barings Participation Inv (MPV BDFUND 06761A103   882 71,616 SH   SOLE   35,808 0 35,808
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747   3,073 31,690 SH   SOLE   15,845 0 15,845
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318   1,117 44,050 SH   SOLE   22,025 0 22,025
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697   766 29,750 SH   SOLE   14,875 0 14,875
Invesco Bulletshares 2023 Corp BDFUND 46138J866   5,355 255,222 SH   SOLE   127,611 0 127,611
Invesco Bulletshares 2024 Corp BDFUND 46138J841   5,122 250,050 SH   SOLE   125,025 0 125,025
Invesco Bulletshares 2025 Corp BDFUND 46138J825   1,159 57,530 SH   SOLE   28,765 0 28,765
SPDR Int Corporate Bond ETF (S BDFUND 78464A375   430 13,520 SH   SOLE   6,760 0 6,760
SPDR Inv't Grade Floating Rate BDFUND 78468R200   15,439 508,014 SH   SOLE   254,007 0 254,007
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739   1,174 25,000 SH   SOLE   12,500 0 12,500
Schwab Aggregate Bond ETF (SCH BDFUND 808524839   2,451 53,700 SH   SOLE   26,850 0 26,850
Schwab US Tips ETF (SCHP) BDFUND 808524870   5,687 109,800 SH   SOLE   54,900 0 54,900
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528   709 42,000 SH   SOLE   21,000 0 21,000
Vanguard Intermediate Corp Bon BDFUND 92206C870   9,254 119,390 SH   SOLE   59,695 0 59,695
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409   20,929 278,354 SH   SOLE   139,177 0 139,177
Vanguard Tax-Exempt Bond Index BDFUND 922907746   564 11,400 SH   SOLE   5,700 0 5,700
iShares 1-5 yr Inv Grade Corp BDFUND 464288646   7,461 149,760 SH   SOLE   74,880 0 74,880
iShares National Muni Bond (MU BDFUND 464288414   5,915 56,060 SH   SOLE   28,030 0 28,030
iShares Short Term Nat'l Muni BDFUND 464288158   4,270 40,950 SH   SOLE   20,475 0 20,475
iShares TIPS Bond Fund (TIP) BDFUND 464287176   5,583 52,448 SH   SOLE   26,224 0 26,224
Healthpeak Prop (PEAK) REIT 42250P103   854 34,050 SH   SOLE   17,025 0 17,025
Schwab REIT ETF (SCHH) REIT 808524847   1,049 54,400 SH   SOLE   27,200 0 27,200
Vanguard REIT Index ETF (VNQ) REIT 922908553   921 11,170 SH   SOLE   5,585 0 5,585
Weyerhauser (WY) REIT 962166104   2,620 84,510 SH   SOLE   42,255 0 42,255
3M Company (MMM) COM 88579Y101   952 7,936 SH   SOLE   3,968 0 3,968
A F L A C Inc. (AFL) COM 001055102   1,115 15,500 SH   SOLE   7,750 0 7,750
AT&T Inc. (T) COM 00206R102   780 42,352 SH   SOLE   21,176 0 21,176
Abbott Laboratories (ABT) COM 002824100   3,099 28,228 SH   SOLE   14,114 0 14,114
Abbvie Inc (ABBV) COM 00287Y109   1,942 12,015 SH   SOLE   6,007 0 6,007
Accenture PLC (ACN) COM G1151C101   523 1,960 SH   SOLE   980 0 980
Advanced Micro Devices Inc (AM COM 007903107   635 9,806 SH   SOLE   4,903 0 4,903
Aerovironment (AVAV) COM 008073108   702 8,190 SH   SOLE   4,095 0 4,095
Air Prod & Chemicals (APD) COM 009158106   551 1,786 SH   SOLE   893 0 893
Alphabet Class A (GOOGL) COM 02079K305   722 8,180 SH   SOLE   4,090 0 4,090
Alphabet Class C (GOOG) COM 02079K107   4,600 51,847 SH   SOLE   25,923 0 25,923
Amazon Com Inc (AMZN) COM 023135106   3,400 40,478 SH   SOLE   20,239 0 20,239
Amcor PLC ADR (AMCR) COM Q03080100   853 71,602 SH   SOLE   35,801 0 35,801
Amgen Incorporated (AMGN) COM 031162100   528 2,012 SH   SOLE   1,006 0 1,006
Apple Computer (AAPL) COM 037833100   10,416 80,163 SH   SOLE   40,082 0 40,082
Auto Data Processing (ADP) COM 053015103   1,241 5,196 SH   SOLE   2,598 0 2,598
Autodesk Inc. (ADSK) COM 052769106   1,702 9,110 SH   SOLE   4,555 0 4,555
BWX Technologies (BWXT) COM 05605H100   665 11,450 SH   SOLE   5,725 0 5,725
Bank of America Corp. (BAC) COM 060505104   648 19,556 SH   SOLE   9,778 0 9,778
Bank of Montreal (BMO) COM 063671101   1,299 14,334 SH   SOLE   7,167 0 7,167
Bank of New York (BK) COM 064058100   483 10,600 SH   SOLE   5,300 0 5,300
Becton Dickinson (BDX) COM 075887109   561 2,208 SH   SOLE   1,104 0 1,104
Berkshire Hathaway Cl B (BRKB) COM 084670702   3,397 10,998 SH   SOLE   5,499 0 5,499
Boeing Company (BA) COM 097023105   538 2,826 SH   SOLE   1,413 0 1,413
Bristol-Myers Squibb (BMY) COM 110122108   1,517 21,086 SH   SOLE   10,543 0 10,543
CSG Systems Int'l (CSGS) COM 126349109   1,019 17,820 SH   SOLE   8,910 0 8,910
CVS Health Corp. (CVS) COM 126650100   2,587 27,762 SH   SOLE   13,881 0 13,881
Carrier Global Corp (CARR) COM 14448C104   962 23,318 SH   SOLE   11,659 0 11,659
Celanese (CE) COM 150870103   1,311 12,824 SH   SOLE   6,412 0 6,412
Check Point Software Tech (CHK COM M22465104   2,153 17,068 SH   SOLE   8,534 0 8,534
Chevron Corp (CVX) COM 166764100   2,719 15,146 SH   SOLE   7,573 0 7,573
Chewy (CHWY) COM 16679L109   924 24,910 SH   SOLE   12,455 0 12,455
Cisco Systems Inc. (CSCO) COM 17275R102   3,881 81,460 SH   SOLE   40,730 0 40,730
Coca Cola Company (KO) COM 191216100   1,855 29,158 SH   SOLE   14,579 0 14,579
Colgate-Palmolive Co. (CL) COM 194162103   1,158 14,698 SH   SOLE   7,349 0 7,349
Comcast Corp NEW CL A (CMCSA) COM 20030N101   1,525 43,620 SH   SOLE   21,810 0 21,810
Concentrix Corp (CNXC) COM 20602D101   652 4,900 SH   SOLE   2,450 0 2,450
Constellation Brands (STZ) COM 21036P108   412 1,776 SH   SOLE   888 0 888
Danaher Corp (DHR) COM 235851102   1,038 3,910 SH   SOLE   1,955 0 1,955
Deere Co (DE) COM 244199105   612 1,428 SH   SOLE   714 0 714
Disney Walt Hldg. Co. (DIS) COM 254687106   2,161 24,870 SH   SOLE   12,435 0 12,435
ETFMG Prime Cyber Security ETF COM 26924G201   1,240 28,150 SH   SOLE   14,075 0 14,075
Eaton Corporation (ETN) COM G29183103   414 2,636 SH   SOLE   1,318 0 1,318
Emerson Elec Co (EMR) COM 291011104   479 4,982 SH   SOLE   2,491 0 2,491
Estee Lauder Companies, CL A ( COM 518439104   402 1,620 SH   SOLE   810 0 810
Exact Sciences (EXAS) COM 30063P105   690 13,930 SH   SOLE   6,965 0 6,965
Exxon Mobil (XOM) COM 30231G102   5,077 46,026 SH   SOLE   23,013 0 23,013
Fastenal Company (FAST) COM 311900104   747 15,782 SH   SOLE   7,891 0 7,891
General Electric Company (GE) COM 369604103   457 5,460 SH   SOLE   2,730 0 2,730
General Mills, Inc. (GIS) COM 370334104   737 8,784 SH   SOLE   4,392 0 4,392
General Motors New (GM) COM 37045V100   430 12,794 SH   SOLE   6,397 0 6,397
Gilead Sciences Inc. (GILD) COM 375558103   507 5,910 SH   SOLE   2,955 0 2,955
Globalstar Inc. (GSAT) COM 378973408   265 199,400 SH   SOLE   99,700 0 99,700
Graco Inc (GGG) COM 384109104   457 6,800 SH   SOLE   3,400 0 3,400
Hamilton Beach Brands Cl A (HB COM 40701T104   838 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203   811 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101   1,634 21,846 SH   SOLE   10,923 0 10,923
Home Depot Inc. (HD) COM 437076102   2,418 7,654 SH   SOLE   3,827 0 3,827
Honeywell International (HON) COM 438516106   2,026 9,454 SH   SOLE   4,727 0 4,727
Hormel Foods (HRL) COM 440452100   1,275 28,001 SH   SOLE   14,001 0 14,001
Hyster-Yale Materials Handling COM 449172105   1,491 58,914 SH   SOLE   29,457 0 29,457
Illinois Tool Works Inc (ITW) COM 452308109   1,143 5,190 SH   SOLE   2,595 0 2,595
Intel Corp. (INTC) COM 458140100   1,927 72,907 SH   SOLE   36,454 0 36,454
Invesco Water Resource Port (P COM 46137V142   1,412 27,400 SH   SOLE   13,700 0 13,700
J P Morgan Chase & Co (JPM) COM 46625H100   3,258 24,298 SH   SOLE   12,149 0 12,149
J.M. Smuckers Co (SJM) COM 832696405   2,159 13,628 SH   SOLE   6,814 0 6,814
Johnson & Johnson (JNJ) COM 478160104   4,954 28,046 SH   SOLE   14,023 0 14,023
Kohlberg Kravis & Co (KKR) COM 48251W104   2,356 50,748 SH   SOLE   25,374 0 25,374
Korn Ferry International (KFY) COM 500643200   494 9,750 SH   SOLE   4,875 0 4,875
Landstar System (LSTR) COM 515098101   692 4,246 SH   SOLE   2,123 0 2,123
LeMaitre Vascular (LMAT) COM 525558201   442 9,600 SH   SOLE   4,800 0 4,800
Lilly Eli & Company (LLY) COM 532457108   3,108 8,496 SH   SOLE   4,248 0 4,248
Lowes Companies Inc. (LOW) COM 548661107   642 3,224 SH   SOLE   1,612 0 1,612
McDonalds Corp (MCD) COM 580135101   1,436 5,450 SH   SOLE   2,725 0 2,725
Merck & Co Inc. (MRK) COM 589331107   3,061 27,586 SH   SOLE   13,793 0 13,793
Microsoft Corp. (MSFT) COM 594918104   6,068 25,304 SH   SOLE   12,652 0 12,652
Mondelez (MDLZ) COM 609207105   425 6,370 SH   SOLE   3,185 0 3,185
Morgan Stanley (MS) COM 617446448   483 5,682 SH   SOLE   2,841 0 2,841
Nacco Inds Inc CL A (NC) COM 629579103   979 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101   1,996 23,870 SH   SOLE   11,935 0 11,935
Norfolk Southern Cop (NSC) COM 655844108   574 2,328 SH   SOLE   1,164 0 1,164
Oracle Corp. (ORCL) COM 68389X105   1,124 13,750 SH   SOLE   6,875 0 6,875
Otis Worldwide (OTIS) COM 68902V107   593 7,568 SH   SOLE   3,784 0 3,784
PepsiCo Inc. (PEP) COM 713448108   4,638 25,674 SH   SOLE   12,837 0 12,837
Pfizer Inc (PFE) COM 717081103   3,076 60,035 SH   SOLE   30,017 0 30,017
Phillips 66 (PSX) COM 718546104   1,762 16,926 SH   SOLE   8,463 0 8,463
Procter & Gamble (PG) COM 742718109   3,357 22,148 SH   SOLE   11,074 0 11,074
ROBO Gbl Robotics & Auto'n ETF COM 301505707   1,059 22,860 SH   SOLE   11,430 0 11,430
Raytheon Technologies (RTX) COM 75513E101   2,634 26,100 SH   SOLE   13,050 0 13,050
Regions Financial Corp (RF) COM 7591EP100   573 26,600 SH   SOLE   13,300 0 13,300
SYNNEX Corp (SNX) COM 87162W100   616 6,500 SH   SOLE   3,250 0 3,250
Salesforce.com (CRM) COM 79466L302   498 3,756 SH   SOLE   1,878 0 1,878
Smith & Nephew (SNN) COM 83175M205   752 27,950 SH   SOLE   13,975 0 13,975
Sonoco Products (SON) COM 835495102   1,721 28,350 SH   SOLE   14,175 0 14,175
Southwest Airlines (LUV) COM 844741108   803 23,850 SH   SOLE   11,925 0 11,925
Sprouts Farmers Markets (SFM) COM 85208M102   545 16,840 SH   SOLE   8,420 0 8,420
Standard Motor Products (SMP) COM 853666105   536 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109   1,169 11,782 SH   SOLE   5,891 0 5,891
State Street Corp (STT) COM 857477103   710 9,150 SH   SOLE   4,575 0 4,575
Stryker Corp. (SYK) COM 863667101   608 2,488 SH   SOLE   1,244 0 1,244
Sysco Corp. (SYY) COM 871829107   2,349 30,732 SH   SOLE   15,366 0 15,366
T Rowe Price Group (TROW) COM 74144T108   695 6,370 SH   SOLE   3,185 0 3,185
TJX Cos Inc (TJX) COM 872540109   4,046 50,832 SH   SOLE   25,416 0 25,416
Taiwan Semiconductor ADRF Spon COM 874039100   991 13,300 SH   SOLE   6,650 0 6,650
Target Corporation (TGT) COM 87612E106   1,795 12,044 SH   SOLE   6,022 0 6,022
Texas Instruments Inc (TXN) COM 882508104   867 5,248 SH   SOLE   2,624 0 2,624
The Blackstone Group (BX) COM 09260D107   436 5,880 SH   SOLE   2,940 0 2,940
The Trade Desk Inc (TTD) COM 88339J105   632 14,100 SH   SOLE   7,050 0 7,050
Trex Inc (TREX) COM 89531P105   1,234 29,150 SH   SOLE   14,575 0 14,575
US Bancorp (USB) COM 902973304   2,051 47,020 SH   SOLE   23,510 0 23,510
Ulta Beauty (ULTA) COM 903845303   1,858 3,960 SH   SOLE   1,980 0 1,980
Unilever PLC ADR New F (UL) COM 904767704   983 19,528 SH   SOLE   9,764 0 9,764
Union Pacific Corp. (UNP) COM 907818108   673 3,248 SH   SOLE   1,624 0 1,624
United Parcel Service Cl B (UP COM 911312106   649 3,732 SH   SOLE   1,866 0 1,866
Unitedhealth Group Inc. (UNH) COM 91324P102   623 1,176 SH   SOLE   588 0 588
Verisk Analytics (VRSK) COM 92345Y106   1,879 10,650 SH   SOLE   5,325 0 5,325
Verizon Communications (VZ) COM 92343V104   1,766 44,826 SH   SOLE   22,413 0 22,413
Visa Inc (V) COM 92826C839   2,316 11,146 SH   SOLE   5,573 0 5,573
WD 40 Co (WDFC) COM 929236107   1,365 8,466 SH   SOLE   4,233 0 4,233
WalMart Inc. (WMT) COM 931142103   726 5,118 SH   SOLE   2,559 0 2,559
Zimmer Biomet Holdings Inc. (Z COM 98956P102   526 4,126 SH   SOLE   2,063 0 2,063
Zoetis Inc (ZTS) COM 98978V103   1,691 11,540 SH   SOLE   5,770 0 5,770
IShares S&P 100 Index (OEF) ETF 464287101   829 4,860 SH   SOLE   2,430 0 2,430
Invesco S&P 500 Equal Weighted ETF 46137V357   4,645 32,885 SH   SOLE   16,443 0 16,443
Invesco S&P 500 Low Vol ETF (S ETF 46138E354   670 10,480 SH   SOLE   5,240 0 5,240
Invesco SP500 Hi Div Low Vol ( ETF 46138E362   697 15,900 SH   SOLE   7,950 0 7,950
SPDR S&P Dividend ETF (SDY) ETF 78464A763   920 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107   14,055 31,742 SH   SOLE   15,871 0 15,871
SPDR Trust S&P 500 (SPY) ETF 78462F103   1,165 3,047 SH   SOLE   1,524 0 1,524
Schwab Large Cap Growth ETF (S ETF 808524300   8,347 150,241 SH   SOLE   75,120 0 75,120
Schwab Large Cap US ETF (SCHX) ETF 808524201   3,802 84,200 SH   SOLE   42,100 0 42,100
Schwab US Broad Market ETF (SC ETF 808524102   6,419 143,248 SH   SOLE   71,624 0 71,624
Schwab US Dividend Equity (SCH ETF 808524797   5,970 79,036 SH   SOLE   39,518 0 39,518
Schwab US Mid Cap ETF (SCHM) ETF 808524508   11,863 180,810 SH   SOLE   90,405 0 90,405
Schwab US Small Cap ETF (SCHA) ETF 808524607   7,324 180,802 SH   SOLE   90,401 0 90,401
Vanguard Extended Market Index ETF 922908652   1,697 12,770 SH   SOLE   6,385 0 6,385
Vanguard High Dividend Yield E ETF 921946406   486 4,490 SH   SOLE   2,245 0 2,245
Vanguard Mid Cap ETF (VO) ETF 922908629   795 3,900 SH   SOLE   1,950 0 1,950
Vanguard S&P 500 ETF (VOO) ETF 922908363   10,045 28,590 SH   SOLE   14,295 0 14,295
Vanguard Small Cap Growth (VBK ETF 922908595   2,647 13,200 SH   SOLE   6,600 0 6,600
iShares S&P US Preferred Stock ETF 464288687   4,129 135,230 SH   SOLE   67,615 0 67,615
IShares S&P Global 100 ETF (IO ETF 464287572   1,337 20,880 SH   SOLE   10,440 0 10,440
Ishares Int'l Select Dividend ETF 464288448   554 20,410 SH   SOLE   10,205 0 10,205
Ishares MSCI Ireland ETF (EIRL ETF 46429B507   596 13,040 SH   SOLE   6,520 0 6,520
Schwab Emerging Markets ETF (S ETF 808524706   2,178 92,000 SH   SOLE   46,000 0 46,000
Schwab International Equity ET ETF 808524805   12,109 375,950 SH   SOLE   187,975 0 187,975
Vanguard Total World Stock Mar ETF 922042742   408 4,730 SH   SOLE   2,365 0 2,365
iShares MSCI Canada Index Fund ETF 464286509   484 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465   2,557 38,961 SH   SOLE   19,480 0 19,480