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   5,485,049 387,636 SH   SOLE   193,818 0 193,818
Barings Participation Inv (MPV BDFUND 06761A103   918,318 71,616 SH   SOLE   35,808 0 35,808
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747   3,169,406 31,940 SH   SOLE   15,970 0 15,970
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318   1,061,702 41,750 SH   SOLE   20,875 0 20,875
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697   769,632 29,750 SH   SOLE   14,875 0 14,875
Invesco Bulletshares 2023 Corp BDFUND 46138J866   4,393,241 208,408 SH   SOLE   104,204 0 104,204
Invesco Bulletshares 2024 Corp BDFUND 46138J841   4,544,213 220,700 SH   SOLE   110,350 0 110,350
Invesco Bulletshares 2025 Corp BDFUND 46138J825   1,120,064 55,230 SH   SOLE   27,615 0 27,615
SPDR Int Corporate Bond ETF (S BDFUND 78464A375   416,522 12,820 SH   SOLE   6,410 0 6,410
SPDR Inv't Grade Floating Rate BDFUND 78468R200   14,867,003 488,564 SH   SOLE   244,282 0 244,282
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739   1,188,750 25,000 SH   SOLE   12,500 0 12,500
Schwab Aggregate Bond ETF (SCH BDFUND 808524839   2,284,517 48,700 SH   SOLE   24,350 0 24,350
Schwab US Tips ETF (SCHP) BDFUND 808524870   5,902,461 110,100 SH   SOLE   55,050 0 55,050
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528   714,000 42,000 SH   SOLE   21,000 0 21,000
Vanguard Intermediate Corp Bon BDFUND 92206C870   9,035,981 112,640 SH   SOLE   56,320 0 56,320
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409   20,750,111 272,204 SH   SOLE   136,102 0 136,102
Vanguard Tax-Exempt Bond Index BDFUND 922907746   678,844 13,400 SH   SOLE   6,700 0 6,700
iShares 1-5 yr Inv Grade Corp BDFUND 464288646   6,794,598 134,440 SH   SOLE   67,220 0 67,220
iShares National Muni Bond (MU BDFUND 464288414   5,921,390 54,960 SH   SOLE   27,480 0 27,480
iShares Short Term Nat'l Muni BDFUND 464288158   4,318,050 41,250 SH   SOLE   20,625 0 20,625
iShares TIPS Bond Fund (TIP) BDFUND 464287176   5,705,246 51,748 SH   SOLE   25,874 0 25,874
Healthpeak Prop (PEAK) REIT 42250P103   725,010 33,000 SH   SOLE   16,500 0 16,500
Schwab REIT ETF (SCHH) REIT 808524847   1,033,500 53,000 SH   SOLE   26,500 0 26,500
Vanguard REIT Index ETF (VNQ) REIT 922908553   1,027,205 12,370 SH   SOLE   6,185 0 6,185
Weyerhauser (WY) REIT 962166104   2,302,836 76,430 SH   SOLE   38,215 0 38,215
3M Company (MMM) COM 88579Y101   716,640 6,818 SH   SOLE   3,409 0 3,409
A F L A C Inc. (AFL) COM 001055102   985,220 15,270 SH   SOLE   7,635 0 7,635
AT&T Inc. (T) COM 00206R102   799,337 41,524 SH   SOLE   20,762 0 20,762
Abbott Laboratories (ABT) COM 002824100   2,801,459 27,666 SH   SOLE   13,833 0 13,833
Abbvie Inc (ABBV) COM 00287Y109   1,882,878 11,815 SH   SOLE   5,907 0 5,907
Accenture PLC (ACN) COM G1151C101   560,188 1,960 SH   SOLE   980 0 980
Advanced Micro Devices Inc (AM COM 007903107   961,132 9,806 SH   SOLE   4,903 0 4,903
Aerovironment (AVAV) COM 008073108   787,359 8,590 SH   SOLE   4,295 0 4,295
Air Prod & Chemicals (APD) COM 009158106   512,957 1,786 SH   SOLE   893 0 893
Alphabet Class A (GOOGL) COM 02079K305   848,473 8,180 SH   SOLE   4,090 0 4,090
Alphabet Class C (GOOG) COM 02079K107   5,414,947 52,067 SH   SOLE   26,033 0 26,033
Amazon Com Inc (AMZN) COM 023135106   4,316,292 41,788 SH   SOLE   20,894 0 20,894
Amcor PLC ADR (AMCR) COM Q03080100   794,529 69,818 SH   SOLE   34,909 0 34,909
Amgen Incorporated (AMGN) COM 031162100   486,401 2,012 SH   SOLE   1,006 0 1,006
Apple Computer (AAPL) COM 037833100   13,025,525 78,990 SH   SOLE   39,495 0 39,495
Auto Data Processing (ADP) COM 053015103   1,124,281 5,050 SH   SOLE   2,525 0 2,525
Autodesk Inc. (ADSK) COM 052769106   1,990,010 9,560 SH   SOLE   4,780 0 4,780
BWX Technologies (BWXT) COM 05605H100   671,376 10,650 SH   SOLE   5,325 0 5,325
Bank of America Corp. (BAC) COM 060505104   650,421 22,742 SH   SOLE   11,371 0 11,371
Bank of Montreal (BMO) COM 063671101   1,259,481 14,134 SH   SOLE   7,067 0 7,067
Bank of New York (BK) COM 064058100   508,928 11,200 SH   SOLE   5,600 0 5,600
Becton Dickinson (BDX) COM 075887109   472,306 1,908 SH   SOLE   954 0 954
Berkshire Hathaway Cl B (BRKB) COM 084670702   3,219,854 10,428 SH   SOLE   5,214 0 5,214
Boeing Company (BA) COM 097023105   600,327 2,826 SH   SOLE   1,413 0 1,413
Bristol-Myers Squibb (BMY) COM 110122108   1,464,936 21,136 SH   SOLE   10,568 0 10,568
CSG Systems Int'l (CSGS) COM 126349109   1,018,689 18,970 SH   SOLE   9,485 0 9,485
CVS Health Corp. (CVS) COM 126650100   1,960,744 26,386 SH   SOLE   13,193 0 13,193
Carrier Global Corp (CARR) COM 14448C104   1,075,948 23,518 SH   SOLE   11,759 0 11,759
Celanese (CE) COM 150870103   1,326,716 12,184 SH   SOLE   6,092 0 6,092
Check Point Software Tech (CHK COM M22465104   2,239,640 17,228 SH   SOLE   8,614 0 8,614
Chevron Corp (CVX) COM 166764100   2,405,957 14,746 SH   SOLE   7,373 0 7,373
Chewy (CHWY) COM 16679L109   1,048,883 28,060 SH   SOLE   14,030 0 14,030
Cisco Systems Inc. (CSCO) COM 17275R102   4,211,274 80,560 SH   SOLE   40,280 0 40,280
Coca Cola Company (KO) COM 191216100   1,796,265 28,958 SH   SOLE   14,479 0 14,479
Colgate-Palmolive Co. (CL) COM 194162103   1,123,342 14,948 SH   SOLE   7,474 0 7,474
Comcast Corp NEW CL A (CMCSA) COM 20030N101   1,704,813 44,970 SH   SOLE   22,485 0 22,485
Concentrix Corp (CNXC) COM 20602D101   559,130 4,600 SH   SOLE   2,300 0 2,300
Constellation Brands (STZ) COM 21036P108   414,282 1,834 SH   SOLE   917 0 917
Danaher Corp (DHR) COM 235851102   934,060 3,706 SH   SOLE   1,853 0 1,853
Deere Co (DE) COM 244199105   568,949 1,378 SH   SOLE   689 0 689
Disney Walt Hldg. Co. (DIS) COM 254687106   2,524,277 25,210 SH   SOLE   12,605 0 12,605
ETFMG Prime Cyber Security ETF COM 26924G201   1,255,275 26,250 SH   SOLE   13,125 0 13,125
Eaton Corporation (ETN) COM G29183103   451,652 2,636 SH   SOLE   1,318 0 1,318
Emerson Elec Co (EMR) COM 291011104   434,131 4,982 SH   SOLE   2,491 0 2,491
Exact Sciences (EXAS) COM 30063P105   1,029,356 15,180 SH   SOLE   7,590 0 7,590
Exxon Mobil (XOM) COM 30231G102   4,926,585 44,926 SH   SOLE   22,463 0 22,463
Fastenal Company (FAST) COM 311900104   851,281 15,782 SH   SOLE   7,891 0 7,891
General Electric Company (GE) COM 369604103   520,829 5,448 SH   SOLE   2,724 0 2,724
General Mills, Inc. (GIS) COM 370334104   742,135 8,684 SH   SOLE   4,342 0 4,342
General Motors New (GM) COM 37045V100   513,300 13,994 SH   SOLE   6,997 0 6,997
Gilead Sciences Inc. (GILD) COM 375558103   473,759 5,710 SH   SOLE   2,855 0 2,855
Globalstar Inc. (GSAT) COM 378973408   441,264 380,400 SH   SOLE   190,200 0 190,200
Graco Inc (GGG) COM 384109104   459,963 6,300 SH   SOLE   3,150 0 3,150
Hamilton Beach Brands Cl A (HB COM 40701T104   692,695 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203   810,505 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101   1,742,797 21,596 SH   SOLE   10,798 0 10,798
Home Depot Inc. (HD) COM 437076102   2,260,029 7,658 SH   SOLE   3,829 0 3,829
Honeywell International (HON) COM 438516106   1,835,516 9,604 SH   SOLE   4,802 0 4,802
Hormel Foods (HRL) COM 440452100   1,104,722 27,701 SH   SOLE   13,851 0 13,851
Hyster-Yale Materials Handling COM 449172105   2,923,255 58,594 SH   SOLE   29,297 0 29,297
Illinois Tool Works Inc (ITW) COM 452308109   1,239,160 5,090 SH   SOLE   2,545 0 2,545
Intel Corp. (INTC) COM 458140100   2,359,279 72,215 SH   SOLE   36,108 0 36,108
Inter Parfums (IPAR) COM 458334109   452,323 3,180 SH   SOLE   1,590 0 1,590
Invesco Water Resource Port (P COM 46137V142   1,440,450 27,000 SH   SOLE   13,500 0 13,500
J P Morgan Chase & Co (JPM) COM 46625H100   3,153,241 24,198 SH   SOLE   12,099 0 12,099
J.M. Smuckers Co (SJM) COM 832696405   2,097,427 13,328 SH   SOLE   6,664 0 6,664
Johnson & Johnson (JNJ) COM 478160104   4,348,058 28,052 SH   SOLE   14,026 0 14,026
Kohlberg Kravis & Co (KKR) COM 48251W104   2,549,741 48,548 SH   SOLE   24,274 0 24,274
Korn Ferry International (KFY) COM 500643200   504,465 9,750 SH   SOLE   4,875 0 4,875
Landstar System (LSTR) COM 515098101   725,286 4,046 SH   SOLE   2,023 0 2,023
LeMaitre Vascular (LMAT) COM 525558201   494,112 9,600 SH   SOLE   4,800 0 4,800
Lilly Eli & Company (LLY) COM 532457108   2,763,157 8,046 SH   SOLE   4,023 0 4,023
Linde PLC (LIN) COM G54950103   418,708 1,178 SH   SOLE   589 0 589
Lowes Companies Inc. (LOW) COM 548661107   634,705 3,174 SH   SOLE   1,587 0 1,587
McDonalds Corp (MCD) COM 580135101   1,495,913 5,350 SH   SOLE   2,675 0 2,675
Merck & Co Inc. (MRK) COM 589331107   2,828,485 26,586 SH   SOLE   13,293 0 13,293
Microsoft Corp. (MSFT) COM 594918104   7,257,655 25,174 SH   SOLE   12,587 0 12,587
Mondelez (MDLZ) COM 609207105   447,602 6,420 SH   SOLE   3,210 0 3,210
Morgan Stanley (MS) COM 617446448   485,710 5,532 SH   SOLE   2,766 0 2,766
Nacco Inds Inc CL A (NC) COM 629579103   929,740 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101   1,836,046 23,820 SH   SOLE   11,910 0 11,910
Norfolk Southern Cop (NSC) COM 655844108   493,536 2,328 SH   SOLE   1,164 0 1,164
Oracle Corp. (ORCL) COM 68389X105   1,277,650 13,750 SH   SOLE   6,875 0 6,875
Otis Worldwide (OTIS) COM 68902V107   588,099 6,968 SH   SOLE   3,484 0 3,484
PepsiCo Inc. (PEP) COM 713448108   4,564,750 25,040 SH   SOLE   12,520 0 12,520
Pfizer Inc (PFE) COM 717081103   2,455,859 60,193 SH   SOLE   30,096 0 30,096
Phillips 66 (PSX) COM 718546104   1,690,613 16,676 SH   SOLE   8,338 0 8,338
Procter & Gamble (PG) COM 742718109   3,293,186 22,148 SH   SOLE   11,074 0 11,074
ROBO Gbl Robotics & Auto'n ETF COM 301505707   1,163,347 21,260 SH   SOLE   10,630 0 10,630
Raytheon Technologies (RTX) COM 75513E101   2,536,387 25,900 SH   SOLE   12,950 0 12,950
Regions Financial Corp (RF) COM 7591EP100   471,424 25,400 SH   SOLE   12,700 0 12,700
SYNNEX Corp (SNX) COM 87162W100   561,382 5,800 SH   SOLE   2,900 0 2,900
Salesforce.com (CRM) COM 79466L302   750,374 3,756 SH   SOLE   1,878 0 1,878
Scotts Company (SMG) COM 810186106   404,492 5,800 SH   SOLE   2,900 0 2,900
Smith & Nephew (SNN) COM 83175M205   767,525 27,500 SH   SOLE   13,750 0 13,750
Sonoco Products (SON) COM 835495102   1,680,550 27,550 SH   SOLE   13,775 0 13,775
Southwest Airlines (LUV) COM 844741108   720,761 22,150 SH   SOLE   11,075 0 11,075
Sprouts Farmers Markets (SFM) COM 85208M102   589,905 16,840 SH   SOLE   8,420 0 8,420
Standard Motor Products (SMP) COM 853666105   540,805 14,652 SH   SOLE   7,326 0 7,326
Starbucks Corp. (SBUX) COM 855244109   1,257,266 12,074 SH   SOLE   6,037 0 6,037
State Street Corp (STT) COM 857477103   692,563 9,150 SH   SOLE   4,575 0 4,575
Stryker Corp. (SYK) COM 863667101   710,249 2,488 SH   SOLE   1,244 0 1,244
Sysco Corp. (SYY) COM 871829107   2,396,601 31,032 SH   SOLE   15,516 0 15,516
T Rowe Price Group (TROW) COM 74144T108   674,013 5,970 SH   SOLE   2,985 0 2,985
TJX Cos Inc (TJX) COM 872540109   3,830,394 48,882 SH   SOLE   24,441 0 24,441
Taiwan Semiconductor ADRF Spon COM 874039100   1,181,354 12,700 SH   SOLE   6,350 0 6,350
Target Corporation (TGT) COM 87612E106   1,936,901 11,694 SH   SOLE   5,847 0 5,847
Texas Instruments Inc (TXN) COM 882508104   938,978 5,048 SH   SOLE   2,524 0 2,524
The Blackstone Group (BX) COM 09260D107   498,931 5,680 SH   SOLE   2,840 0 2,840
The Trade Desk Inc (TTD) COM 88339J105   895,377 14,700 SH   SOLE   7,350 0 7,350
Trex Inc (TREX) COM 89531P105   1,445,499 29,700 SH   SOLE   14,850 0 14,850
US Bancorp (USB) COM 902973304   1,705,886 47,320 SH   SOLE   23,660 0 23,660
Ulta Beauty (ULTA) COM 903845303   2,051,719 3,760 SH   SOLE   1,880 0 1,880
Unilever PLC ADR New F (UL) COM 904767704   899,843 17,328 SH   SOLE   8,664 0 8,664
Union Pacific Corp. (UNP) COM 907818108   653,692 3,248 SH   SOLE   1,624 0 1,624
United Parcel Service Cl B (UP COM 911312106   723,971 3,732 SH   SOLE   1,866 0 1,866
Unitedhealth Group Inc. (UNH) COM 91324P102   566,163 1,198 SH   SOLE   599 0 599
Verisk Analytics (VRSK) COM 92345Y106   1,968,484 10,260 SH   SOLE   5,130 0 5,130
Verizon Communications (VZ) COM 92343V104   1,721,583 44,268 SH   SOLE   22,134 0 22,134
Visa Inc (V) COM 92826C839   2,546,796 11,296 SH   SOLE   5,648 0 5,648
WD 40 Co (WDFC) COM 929236107   1,217,150 6,836 SH   SOLE   3,418 0 3,418
WalMart Inc. (WMT) COM 931142103   754,649 5,118 SH   SOLE   2,559 0 2,559
Zimmer Biomet Holdings Inc. (Z COM 98956P102   526,619 4,076 SH   SOLE   2,038 0 2,038
Zoetis Inc (ZTS) COM 98978V103   1,920,718 11,540 SH   SOLE   5,770 0 5,770
IShares S&P 100 Index (OEF) ETF 464287101   909,014 4,860 SH   SOLE   2,430 0 2,430
Invesco S&P 500 Equal Weighted ETF 46137V357   4,899,322 33,877 SH   SOLE   16,939 0 16,939
Invesco S&P 500 Low Vol ETF (S ETF 46138E354   653,952 10,480 SH   SOLE   5,240 0 5,240
Invesco SP500 Hi Div Low Vol ( ETF 46138E362   671,139 15,900 SH   SOLE   7,950 0 7,950
SPDR S&P Dividend ETF (SDY) ETF 78464A763   909,268 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107   14,381,305 31,372 SH   SOLE   15,686 0 15,686
SPDR Trust S&P 500 (SPY) ETF 78462F103   1,206,473 2,947 SH   SOLE   1,474 0 1,474
Schwab Large Cap Growth ETF (S ETF 808524300   9,888,288 151,731 SH   SOLE   75,865 0 75,865
Schwab Large Cap US ETF (SCHX) ETF 808524201   3,813,491 78,840 SH   SOLE   39,420 0 39,420
Schwab US Broad Market ETF (SC ETF 808524102   6,749,625 141,058 SH   SOLE   70,529 0 70,529
Schwab US Dividend Equity (SCH ETF 808524797   6,709,796 91,714 SH   SOLE   45,857 0 45,857
Schwab US Mid Cap ETF (SCHM) ETF 808524508   12,394,159 182,670 SH   SOLE   91,335 0 91,335
Schwab US Small Cap ETF (SCHA) ETF 808524607   7,543,291 179,902 SH   SOLE   89,951 0 89,951
Vanguard Extended Market Index ETF 922908652   1,790,354 12,770 SH   SOLE   6,385 0 6,385
Vanguard High Dividend Yield E ETF 921946406   448,375 4,250 SH   SOLE   2,125 0 2,125
Vanguard Mid Cap ETF (VO) ETF 922908629   833,134 3,950 SH   SOLE   1,975 0 1,975
Vanguard S&P 500 ETF (VOO) ETF 922908363   10,751,706 28,590 SH   SOLE   14,295 0 14,295
Vanguard Small Cap Growth (VBK ETF 922908595   2,845,791 13,150 SH   SOLE   6,575 0 6,575
iShares S&P US Preferred Stock ETF 464288687   4,301,492 137,780 SH   SOLE   68,890 0 68,890
IShares S&P Global 100 ETF (IO ETF 464287572   1,462,853 20,880 SH   SOLE   10,440 0 10,440
Ishares Int'l Select Dividend ETF 464288448   613,302 22,310 SH   SOLE   11,155 0 11,155
Ishares MSCI Ireland ETF (EIRL ETF 46429B507   696,633 12,690 SH   SOLE   6,345 0 6,345
SPDR International Dividend ET ETF 78463X772   414,034 12,078 SH   SOLE   6,039 0 6,039
Schwab Emerging Markets ETF (S ETF 808524706   2,246,032 91,600 SH   SOLE   45,800 0 45,800
Schwab International Equity ET ETF 808524805   13,131,780 377,350 SH   SOLE   188,675 0 188,675
Vanguard Total World Stock Mar ETF 922042742   435,586 4,730 SH   SOLE   2,365 0 2,365
iShares MSCI Canada Index Fund ETF 464286509   505,180 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465   2,675,619 37,411 SH   SOLE   18,705 0 18,705