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   6,777,374 367,736 SH   SOLE   183,868 0 183,868
Barings Participation Inv (MPV BDFUND 06761A103   789,610 50,616 SH   SOLE   25,308 0 25,308
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747   2,198,557 22,300 SH   SOLE   11,150 0 11,150
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697   482,298 18,600 SH   SOLE   9,300 0 9,300
Invesco Bulletshares 2024 Corp BDFUND 46138J841   3,949,771 189,120 SH   SOLE   94,560 0 94,560
Invesco Bulletshares 2025 Corp BDFUND 46138J825   1,118,479 54,680 SH   SOLE   27,340 0 27,340
SPDR Int Corporate Bond ETF (S BDFUND 78464A375   417,598 12,720 SH   SOLE   6,360 0 6,360
SPDR Inv't Grade Floating Rate BDFUND 78468R200   17,990,346 588,112 SH   SOLE   294,056 0 294,056
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739   1,194,750 25,000 SH   SOLE   12,500 0 12,500
Schwab Aggregate Bond ETF (SCH BDFUND 808524839   2,156,175 46,250 SH   SOLE   23,125 0 23,125
Schwab US Tips ETF (SCHP) BDFUND 808524870   5,175,630 99,150 SH   SOLE   49,575 0 49,575
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528   717,780 42,000 SH   SOLE   21,000 0 21,000
Vanguard Intermediate Corp Bon BDFUND 92206C870   8,212,044 101,034 SH   SOLE   50,517 0 50,517
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409   18,644,932 240,984 SH   SOLE   120,492 0 120,492
Vanguard Tax-Exempt Bond Index BDFUND 922907746   523,262 10,250 SH   SOLE   5,125 0 5,125
iShares 1-5 yr Inv Grade Corp BDFUND 464288646   6,168,895 120,310 SH   SOLE   60,155 0 60,155
iShares National Muni Bond (MU BDFUND 464288414   5,191,972 47,892 SH   SOLE   23,946 0 23,946
iShares Short Term Nat'l Muni BDFUND 464288158   4,032,697 38,250 SH   SOLE   19,125 0 19,125
iShares TIPS Bond Fund (TIP) BDFUND 464287176   5,616,810 52,254 SH   SOLE   26,127 0 26,127
Healthpeak Prop (PEAK) REIT 42250P103   401,940 20,300 SH   SOLE   10,150 0 10,150
Schwab REIT ETF (SCHH) REIT 808524847   1,097,630 53,000 SH   SOLE   26,500 0 26,500
Vanguard REIT Index ETF (VNQ) REIT 922908553   947,219 10,720 SH   SOLE   5,360 0 5,360
Weyerhauser (WY) REIT 962166104   2,459,977 70,750 SH   SOLE   35,375 0 35,375
3M Company (MMM) COM 88579Y101   640,615 5,860 SH   SOLE   2,930 0 2,930
A F L A C Inc. (AFL) COM 001055102   1,210,275 14,670 SH   SOLE   7,335 0 7,335
AT&T Inc. (T) COM 00206R102   607,100 36,180 SH   SOLE   18,090 0 18,090
Abbott Laboratories (ABT) COM 002824100   2,994,564 27,206 SH   SOLE   13,603 0 13,603
Abbvie Inc (ABBV) COM 00287Y109   1,776,654 11,465 SH   SOLE   5,732 0 5,732
Accenture PLC (ACN) COM G1151C101   652,693 1,860 SH   SOLE   930 0 930
Advanced Micro Devices Inc (AM COM 007903107   1,423,460 9,656 SH   SOLE   4,828 0 4,828
Aerovironment (AVAV) COM 008073108   1,051,174 8,340 SH   SOLE   4,170 0 4,170
Air Prod & Chemicals (APD) COM 009158106   469,841 1,716 SH   SOLE   858 0 858
Alphabet Class A (GOOGL) COM 02079K305   1,079,752 7,730 SH   SOLE   3,865 0 3,865
Alphabet Class C (GOOG) COM 02079K107   6,889,616 48,887 SH   SOLE   24,443 0 24,443
Amazon Com Inc (AMZN) COM 023135106   6,230,770 41,008 SH   SOLE   20,504 0 20,504
Amcor PLC ADR (AMCR) COM Q03080100   653,399 67,780 SH   SOLE   33,890 0 33,890
Amgen Incorporated (AMGN) COM 031162100   579,496 2,012 SH   SOLE   1,006 0 1,006
AppFolio (APPF) COM 03783c100   443,494 2,560 SH   SOLE   1,280 0 1,280
Apple Computer (AAPL) COM 037833100   14,108,584 73,280 SH   SOLE   36,640 0 36,640
Auto Data Processing (ADP) COM 053015103   1,176,498 5,050 SH   SOLE   2,525 0 2,525
Autodesk Inc. (ADSK) COM 052769106   2,376,365 9,760 SH   SOLE   4,880 0 4,880
BWX Technologies (BWXT) COM 05605H100   790,319 10,300 SH   SOLE   5,150 0 5,150
Bank of America Corp. (BAC) COM 060505104   801,077 23,792 SH   SOLE   11,896 0 11,896
Bank of Montreal (BMO) COM 063671101   1,358,842 13,734 SH   SOLE   6,867 0 6,867
Bank of New York (BK) COM 064058100   569,947 10,950 SH   SOLE   5,475 0 5,475
Becton Dickinson (BDX) COM 075887109   465,228 1,908 SH   SOLE   954 0 954
Berkshire Hathaway Cl B (BRKB) COM 084670702   3,544,487 9,938 SH   SOLE   4,969 0 4,969
Boeing Company (BA) COM 097023105   736,625 2,826 SH   SOLE   1,413 0 1,413
Bristol-Myers Squibb (BMY) COM 110122108   1,082,641 21,100 SH   SOLE   10,550 0 10,550
Broadcom Inc (AVGO) COM 11135f101   607,240 544 SH   SOLE   272 0 272
CSG Systems Int'l (CSGS) COM 126349109   1,101,447 20,700 SH   SOLE   10,350 0 10,350
CVS Health Corp. (CVS) COM 126650100   2,122,919 26,886 SH   SOLE   13,443 0 13,443
Carrier Global Corp (CARR) COM 14448C104   1,325,257 23,068 SH   SOLE   11,534 0 11,534
Celanese (CE) COM 150870103   1,861,954 11,984 SH   SOLE   5,992 0 5,992
Check Point Software Tech (CHK COM M22465104   2,629,210 17,208 SH   SOLE   8,604 0 8,604
Chevron Corp (CVX) COM 166764100   2,096,593 14,056 SH   SOLE   7,028 0 7,028
Chewy (CHWY) COM 16679L109   703,938 29,790 SH   SOLE   14,895 0 14,895
Cisco Systems Inc. (CSCO) COM 17275R102   4,052,209 80,210 SH   SOLE   40,105 0 40,105
Coca Cola Company (KO) COM 191216100   1,618,689 27,468 SH   SOLE   13,734 0 13,734
Colgate-Palmolive Co. (CL) COM 194162103   1,159,621 14,548 SH   SOLE   7,274 0 7,274
Comcast Corp NEW CL A (CMCSA) COM 20030N101   1,963,252 44,772 SH   SOLE   22,386 0 22,386
Concentrix Corp (CNXC) COM 20602D101   451,766 4,600 SH   SOLE   2,300 0 2,300
Constellation Brands (STZ) COM 21036P108   450,622 1,864 SH   SOLE   932 0 932
Danaher Corp (DHR) COM 235851102   841,152 3,636 SH   SOLE   1,818 0 1,818
Deere Co (DE) COM 244199105   551,021 1,378 SH   SOLE   689 0 689
Disney Walt Hldg. Co. (DIS) COM 254687106   1,987,283 22,010 SH   SOLE   11,005 0 11,005
ETFMG Prime Cyber Security ETF COM 26924G201   1,658,254 27,450 SH   SOLE   13,725 0 13,725
Eaton Corporation (ETN) COM G29183103   574,597 2,386 SH   SOLE   1,193 0 1,193
Emerson Elec Co (EMR) COM 291011104   411,901 4,232 SH   SOLE   2,116 0 2,116
Encore Wire (WIRE) COM 292562105   457,104 2,140 SH   SOLE   1,070 0 1,070
Exact Sciences (EXAS) COM 30063P105   1,204,394 16,280 SH   SOLE   8,140 0 8,140
Exxon Mobil (XOM) COM 30231G102   4,328,134 43,290 SH   SOLE   21,645 0 21,645
Fair Isaac (FICO) COM 303250104   649,518 558 SH   SOLE   279 0 279
Fastenal Company (FAST) COM 311900104   986,577 15,232 SH   SOLE   7,616 0 7,616
Garmin (GRMN) COM H2906T109   467,371 3,636 SH   SOLE   1,818 0 1,818
General Electric Company (GE) COM 369604103   644,531 5,050 SH   SOLE   2,525 0 2,525
General Mills, Inc. (GIS) COM 370334104   565,676 8,684 SH   SOLE   4,342 0 4,342
General Motors New (GM) COM 37045V100   557,263 15,514 SH   SOLE   7,757 0 7,757
Gilead Sciences Inc. (GILD) COM 375558103   452,846 5,590 SH   SOLE   2,795 0 2,795
Globalstar Inc. (GSAT) COM 378973408   861,360 444,000 SH   SOLE   222,000 0 222,000
Graco Inc (GGG) COM 384109104   524,898 6,050 SH   SOLE   3,025 0 3,025
Hamilton Beach Brands Cl A (HB COM 40701T104   1,183,129 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   1,659,498 23,226 SH   SOLE   11,613 0 11,613
Home Depot Inc. (HD) COM 437076102   2,549,915 7,358 SH   SOLE   3,679 0 3,679
Honeywell International (HON) COM 438516106   2,001,472 9,544 SH   SOLE   4,772 0 4,772
Hormel Foods (HRL) COM 440452100   838,108 26,101 SH   SOLE   13,051 0 13,051
Hyster-Yale Materials Handling COM 449172105   4,702,559 75,616 SH   SOLE   37,808 0 37,808
Illinois Tool Works Inc (ITW) COM 452308109   1,262,551 4,820 SH   SOLE   2,410 0 2,410
Ingredion (INGR) COM 457187102   401,561 3,700 SH   SOLE   1,850 0 1,850
Intel Corp. (INTC) COM 458140100   3,584,708 71,337 SH   SOLE   35,669 0 35,669
Inter Parfums (IPAR) COM 458334109   537,157 3,730 SH   SOLE   1,865 0 1,865
Intl Business Machines (IBM) COM 459200101   420,978 2,574 SH   SOLE   1,287 0 1,287
Invesco Water Resource Port (P COM 46137V142   1,637,134 26,900 SH   SOLE   13,450 0 13,450
J P Morgan Chase & Co (JPM) COM 46625H100   4,070,493 23,930 SH   SOLE   11,965 0 11,965
J.M. Smuckers Co (SJM) COM 832696405   1,652,798 13,078 SH   SOLE   6,539 0 6,539
Johnson & Johnson (JNJ) COM 478160104   4,425,396 28,234 SH   SOLE   14,117 0 14,117
Kohlberg Kravis & Co (KKR) COM 48251W104   3,525,102 42,548 SH   SOLE   21,274 0 21,274
Korn Ferry International (KFY) COM 500643200   525,247 8,850 SH   SOLE   4,425 0 4,425
Landstar System (LSTR) COM 515098101   897,761 4,636 SH   SOLE   2,318 0 2,318
LeMaitre Vascular (LMAT) COM 525558201   516,516 9,100 SH   SOLE   4,550 0 4,550
Lilly Eli & Company (LLY) COM 532457108   4,138,732 7,100 SH   SOLE   3,550 0 3,550
Linde PLC (LIN) COM G54950103   465,745 1,134 SH   SOLE   567 0 567
Lowes Companies Inc. (LOW) COM 548661107   668,540 3,004 SH   SOLE   1,502 0 1,502
McDonalds Corp (MCD) COM 580135101   1,497,375 5,050 SH   SOLE   2,525 0 2,525
Merck & Co Inc. (MRK) COM 589331107   2,727,898 25,022 SH   SOLE   12,511 0 12,511
Microsoft Corp. (MSFT) COM 594918104   8,864,754 23,574 SH   SOLE   11,787 0 11,787
Mondelez (MDLZ) COM 609207105   461,379 6,370 SH   SOLE   3,185 0 3,185
Morgan Stanley (MS) COM 617446448   525,184 5,632 SH   SOLE   2,816 0 2,816
NVIDIA Corporation (NVDA) COM 67066G104   469,254 948 SH   SOLE   474 0 474
Nacco Inds Inc CL A (NC) COM 629579103   2,100,283 57,542 SH   SOLE   28,771 0 28,771
NextEra Energy (NEE) COM 65339F101   1,376,733 22,666 SH   SOLE   11,333 0 11,333
Norfolk Southern Cop (NSC) COM 655844108   538,474 2,278 SH   SOLE   1,139 0 1,139
Novartis AG Spon ADR F (NVS) COM 66987V109   413,371 4,094 SH   SOLE   2,047 0 2,047
Oracle Corp. (ORCL) COM 68389X105   1,265,160 12,000 SH   SOLE   6,000 0 6,000
Otis Worldwide (OTIS) COM 68902V107   623,427 6,968 SH   SOLE   3,484 0 3,484
PepsiCo Inc. (PEP) COM 713448108   4,104,994 24,170 SH   SOLE   12,085 0 12,085
Pfizer Inc (PFE) COM 717081103   1,735,249 60,273 SH   SOLE   30,136 0 30,136
Phillips 66 (PSX) COM 718546104   2,159,797 16,222 SH   SOLE   8,111 0 8,111
Procter & Gamble (PG) COM 742718109   3,194,279 21,798 SH   SOLE   10,899 0 10,899
Qualcomm Inc. (QCOM) COM 747525103   419,427 2,900 SH   SOLE   1,450 0 1,450
ROBO Gbl Robotics & Auto'n ETF COM 301505707   1,190,694 20,780 SH   SOLE   10,390 0 10,390
RTX Corporation (RTX) COM 75513E101   2,267,910 26,954 SH   SOLE   13,477 0 13,477
Regions Financial Corp (RF) COM 7591EP100   527,136 27,200 SH   SOLE   13,600 0 13,600
SYNNEX Corp (SNX) COM 87162W100   624,138 5,800 SH   SOLE   2,900 0 2,900
Salesforce.com (CRM) COM 79466L302   977,828 3,716 SH   SOLE   1,858 0 1,858
Smith & Nephew (SNN) COM 83175M205   649,264 23,800 SH   SOLE   11,900 0 11,900
Sonoco Products (SON) COM 835495102   1,539,218 27,550 SH   SOLE   13,775 0 13,775
Southwest Airlines (LUV) COM 844741108   453,416 15,700 SH   SOLE   7,850 0 7,850
Sprouts Farmers Markets (SFM) COM 85208M102   852,509 17,720 SH   SOLE   8,860 0 8,860
Standard Motor Products (SMP) COM 853666105   583,296 14,652 SH   SOLE   7,326 0 7,326
Starbucks Corp. (SBUX) COM 855244109   1,179,003 12,280 SH   SOLE   6,140 0 6,140
State Street Corp (STT) COM 857477103   708,759 9,150 SH   SOLE   4,575 0 4,575
Stryker Corp. (SYK) COM 863667101   709,121 2,368 SH   SOLE   1,184 0 1,184
Sysco Corp. (SYY) COM 871829107   2,188,927 29,932 SH   SOLE   14,966 0 14,966
T Rowe Price Group (TROW) COM 74144T108   578,295 5,370 SH   SOLE   2,685 0 2,685
TJX Cos Inc (TJX) COM 872540109   4,199,686 44,768 SH   SOLE   22,384 0 22,384
Taiwan Semiconductor ADRF Spon COM 874039100   1,305,200 12,550 SH   SOLE   6,275 0 6,275
Target Corporation (TGT) COM 87612E106   1,598,543 11,224 SH   SOLE   5,612 0 5,612
Texas Instruments Inc (TXN) COM 882508104   860,482 5,048 SH   SOLE   2,524 0 2,524
The Blackstone Group (BX) COM 09260D107   717,442 5,480 SH   SOLE   2,740 0 2,740
The Trade Desk Inc (TTD) COM 88339J105   1,120,417 15,570 SH   SOLE   7,785 0 7,785
Trex Inc (TREX) COM 89531P105   2,423,263 29,270 SH   SOLE   14,635 0 14,635
Tyler Technologies (TYL) COM 902252105   451,570 1,080 SH   SOLE   540 0 540
US Bancorp (USB) COM 902973304   1,874,890 43,320 SH   SOLE   21,660 0 21,660
Ulta Beauty (ULTA) COM 903845303   1,729,665 3,530 SH   SOLE   1,765 0 1,765
Unilever PLC ADR New F (UL) COM 904767704   806,125 16,628 SH   SOLE   8,314 0 8,314
Union Pacific Corp. (UNP) COM 907818108   672,016 2,736 SH   SOLE   1,368 0 1,368
United Parcel Service Cl B (UP COM 911312106   617,616 3,928 SH   SOLE   1,964 0 1,964
Unitedhealth Group Inc. (UNH) COM 91324P102   645,452 1,226 SH   SOLE   613 0 613
Universal Display (OLED) COM 91347P105   499,189 2,610 SH   SOLE   1,305 0 1,305
Vericel (VCEL) COM 92346J108   460,081 12,920 SH   SOLE   6,460 0 6,460
Verisk Analytics (VRSK) COM 92345Y106   2,414,875 10,110 SH   SOLE   5,055 0 5,055
Verizon Communications (VZ) COM 92343V104   1,533,862 40,686 SH   SOLE   20,343 0 20,343
Visa Inc (V) COM 92826C839   2,906,547 11,164 SH   SOLE   5,582 0 5,582
Vortex Energy Corp (VTECF) COM 92905D104   21,075 50,000 SH   SOLE   25,000 0 25,000
WD 40 Co (WDFC) COM 929236107   1,395,213 5,836 SH   SOLE   2,918 0 2,918
WalMart Inc. (WMT) COM 931142103   791,088 5,018 SH   SOLE   2,509 0 2,509
Zimmer Biomet Holdings Inc. (Z COM 98956P102   514,304 4,226 SH   SOLE   2,113 0 2,113
Zoetis Inc (ZTS) COM 98978V103   2,277,650 11,540 SH   SOLE   5,770 0 5,770
IShares S&P 100 Index (OEF) ETF 464287101   1,040,997 4,660 SH   SOLE   2,330 0 2,330
Invesco S&P 500 Equal Weighted ETF 46137V357   6,101,686 38,667 SH   SOLE   19,334 0 19,334
Invesco SP500 Hi Div Low Vol ( ETF 46138E362   585,258 13,800 SH   SOLE   6,900 0 6,900
SP 400 Midcap ETF (SPMD) ETF 78464A847   701,568 14,400 SH   SOLE   7,200 0 7,200
SPDR S&P Dividend ETF (SDY) ETF 78464A763   918,529 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107   15,506,622 30,562 SH   SOLE   15,281 0 15,281
SPDR Trust S&P 500 (SPY) ETF 78462F103   1,472,036 3,097 SH   SOLE   1,549 0 1,549
Schwab Large Cap Growth ETF (S ETF 808524300   12,059,951 145,371 SH   SOLE   72,685 0 72,685
Schwab Large Cap US ETF (SCHX) ETF 808524201   4,760,160 84,400 SH   SOLE   42,200 0 42,200
Schwab US Broad Market ETF (SC ETF 808524102   6,776,041 121,718 SH   SOLE   60,859 0 60,859
Schwab US Dividend Equity (SCH ETF 808524797   8,328,774 109,402 SH   SOLE   54,701 0 54,701
Schwab US Mid Cap ETF (SCHM) ETF 808524508   13,781,802 182,977 SH   SOLE   91,488 0 91,488
Schwab US Small Cap ETF (SCHA) ETF 808524607   8,629,875 182,682 SH   SOLE   91,341 0 91,341
Vanguard Extended Market Index ETF 922908652   2,112,797 12,850 SH   SOLE   6,425 0 6,425
Vanguard High Dividend Yield E ETF 921946406   446,520 4,000 SH   SOLE   2,000 0 2,000
Vanguard Mid Cap ETF (VO) ETF 922908629   1,011,984 4,350 SH   SOLE   2,175 0 2,175
Vanguard S&P 500 ETF (VOO) ETF 922908363   12,902,914 29,540 SH   SOLE   14,770 0 14,770
Vanguard Small Cap Growth (VBK ETF 922908595   3,256,642 13,470 SH   SOLE   6,735 0 6,735
iShares S&P US Preferred Stock ETF 464288687   4,039,105 129,500 SH   SOLE   64,750 0 64,750
iShares Trust S&P 500 Index (I ETF 464287200   760,387 1,592 SH   SOLE   796 0 796
IShares S&P Global 100 ETF (IO ETF 464287572   1,616,842 20,080 SH   SOLE   10,040 0 10,040
Ishares Int'l Select Dividend ETF 464288448   613,261 21,910 SH   SOLE   10,955 0 10,955
Ishares MSCI Ireland ETF (EIRL ETF 46429B507   720,742 11,790 SH   SOLE   5,895 0 5,895
SPDR International Dividend ET ETF 78463X772   429,373 12,078 SH   SOLE   6,039 0 6,039
Schwab Emerging Markets ETF (S ETF 808524706   2,237,297 90,250 SH   SOLE   45,125 0 45,125
Schwab International Equity ET ETF 808524805   14,472,746 391,579 SH   SOLE   195,789 0 195,789
Vanguard Total World Stock Mar ETF 922042742   455,758 4,430 SH   SOLE   2,215 0 2,215
iShares MSCI Canada Index Fund ETF 464286509   421,086 11,480 SH   SOLE   5,740 0 5,740
iShares TR MSCI EAFE Fd (EFA) ETF 464287465   2,736,017 36,311 SH   SOLE   18,155 0 18,155