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   6,282,704 365,486 SH   SOLE   182,743 0 182,743
Barings Participation Inv (MPV BDFUND 06761A103   815,930 50,616 SH   SOLE   25,308 0 25,308
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747   1,834,483 18,450 SH   SOLE   9,225 0 9,225
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697   482,670 18,600 SH   SOLE   9,300 0 9,300
Invesco Bulletshares 2024 Corp BDFUND 46138J841   3,724,691 177,620 SH   SOLE   88,810 0 88,810
Invesco Bulletshares 2025 Corp BDFUND 46138J825   1,117,112 54,680 SH   SOLE   27,340 0 27,340
SPDR Int Corporate Bond ETF (S BDFUND 78464A375   415,817 12,720 SH   SOLE   6,360 0 6,360
SPDR Inv't Grade Floating Rate BDFUND 78468R200   18,550,781 601,712 SH   SOLE   300,856 0 300,856
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739   1,186,000 25,000 SH   SOLE   12,500 0 12,500
Schwab Aggregate Bond ETF (SCH BDFUND 808524839   2,242,500 48,750 SH   SOLE   24,375 0 24,375
Schwab US Tips ETF (SCHP) BDFUND 808524870   5,062,128 97,050 SH   SOLE   48,525 0 48,525
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528   714,840 42,000 SH   SOLE   21,000 0 21,000
Vanguard Intermediate Corp Bon BDFUND 92206C870   8,367,726 103,934 SH   SOLE   51,967 0 51,967
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409   18,168,159 235,004 SH   SOLE   117,502 0 117,502
Vanguard Tax-Exempt Bond Index BDFUND 922907746   528,770 10,450 SH   SOLE   5,225 0 5,225
iShares 1-5 yr Inv Grade Corp BDFUND 464288646   5,572,085 108,660 SH   SOLE   54,330 0 54,330
iShares National Muni Bond (MU BDFUND 464288414   5,153,179 47,892 SH   SOLE   23,946 0 23,946
iShares Short Term Nat'l Muni BDFUND 464288158   4,005,922 38,250 SH   SOLE   19,125 0 19,125
iShares TIPS Bond Fund (TIP) BDFUND 464287176   5,553,555 51,704 SH   SOLE   25,852 0 25,852
Schwab REIT ETF (SCHH) REIT 808524847   1,075,900 53,000 SH   SOLE   26,500 0 26,500
Vanguard REIT Index ETF (VNQ) REIT 922908553   983,278 11,370 SH   SOLE   5,685 0 5,685
Weyerhauser (WY) REIT 962166104   2,427,157 67,590 SH   SOLE   33,795 0 33,795
3M Company (MMM) COM 88579Y101   600,356 5,660 SH   SOLE   2,830 0 2,830
A F L A C Inc. (AFL) COM 001055102   1,242,394 14,470 SH   SOLE   7,235 0 7,235
AT&T Inc. (T) COM 00206R102   578,336 32,860 SH   SOLE   16,430 0 16,430
Abbott Laboratories (ABT) COM 002824100   3,058,136 26,906 SH   SOLE   13,453 0 13,453
Abbvie Inc (ABBV) COM 00287Y109   2,060,371 11,315 SH   SOLE   5,657 0 5,657
Accenture PLC (ACN) COM G1151C101   644,695 1,860 SH   SOLE   930 0 930
Advanced Micro Devices Inc (AM COM 007903107   1,715,823 9,506 SH   SOLE   4,753 0 4,753
Aerovironment (AVAV) COM 008073108   1,266,093 8,260 SH   SOLE   4,130 0 4,130
Air Prod & Chemicals (APD) COM 009158106   415,735 1,716 SH   SOLE   858 0 858
Alphabet Class A (GOOGL) COM 02079K305   1,166,633 7,730 SH   SOLE   3,865 0 3,865
Alphabet Class C (GOOG) COM 02079K107   7,111,577 46,707 SH   SOLE   23,353 0 23,353
Amazon Com Inc (AMZN) COM 023135106   7,095,806 39,338 SH   SOLE   19,669 0 19,669
Amcor PLC ADR (AMCR) COM Q03080100   635,078 66,780 SH   SOLE   33,390 0 33,390
Amgen Incorporated (AMGN) COM 031162100   557,836 1,962 SH   SOLE   981 0 981
AppFolio (APPF) COM 03783c100   631,654 2,560 SH   SOLE   1,280 0 1,280
Apple Computer (AAPL) COM 037833100   12,223,175 71,280 SH   SOLE   35,640 0 35,640
Auto Data Processing (ADP) COM 053015103   1,223,726 4,900 SH   SOLE   2,450 0 2,450
Autodesk Inc. (ADSK) COM 052769106   2,528,678 9,710 SH   SOLE   4,855 0 4,855
BWX Technologies (BWXT) COM 05605H100   1,041,593 10,150 SH   SOLE   5,075 0 5,075
Bank of America Corp. (BAC) COM 060505104   879,441 23,192 SH   SOLE   11,596 0 11,596
Bank of Montreal (BMO) COM 063671101   1,351,305 13,834 SH   SOLE   6,917 0 6,917
Bank of New York (BK) COM 064058100   619,415 10,750 SH   SOLE   5,375 0 5,375
Becton Dickinson (BDX) COM 075887109   472,135 1,908 SH   SOLE   954 0 954
Berkshire Hathaway Cl B (BRKB) COM 084670702   3,758,608 8,938 SH   SOLE   4,469 0 4,469
Boeing Company (BA) COM 097023105   535,740 2,776 SH   SOLE   1,388 0 1,388
Bristol-Myers Squibb (BMY) COM 110122108   1,158,353 21,360 SH   SOLE   10,680 0 10,680
Broadcom Inc (AVGO) COM 11135f101   721,023 544 SH   SOLE   272 0 272
CSG Systems Int'l (CSGS) COM 126349109   1,074,609 20,850 SH   SOLE   10,425 0 10,425
CVS Health Corp. (CVS) COM 126650100   2,084,607 26,136 SH   SOLE   13,068 0 13,068
Carrier Global Corp (CARR) COM 14448C104   1,340,943 23,068 SH   SOLE   11,534 0 11,534
Celanese (CE) COM 150870103   2,033,791 11,834 SH   SOLE   5,917 0 5,917
Check Point Software Tech (CHK COM M22465104   2,791,122 17,018 SH   SOLE   8,509 0 8,509
Chevron Corp (CVX) COM 166764100   2,097,311 13,296 SH   SOLE   6,648 0 6,648
Chewy (CHWY) COM 16679L109   414,296 26,040 SH   SOLE   13,020 0 13,020
Cincinnati Financial (CINF) COM 172062101   440,803 3,550 SH   SOLE   1,775 0 1,775
Cisco Systems Inc. (CSCO) COM 17275R102   4,013,263 80,410 SH   SOLE   40,205 0 40,205
Coca Cola Company (KO) COM 191216100   1,640,725 26,818 SH   SOLE   13,409 0 13,409
Colgate-Palmolive Co. (CL) COM 194162103   1,287,535 14,298 SH   SOLE   7,149 0 7,149
Comcast Corp NEW CL A (CMCSA) COM 20030N101   1,901,851 43,872 SH   SOLE   21,936 0 21,936
Constellation Brands (STZ) COM 21036P108   506,561 1,864 SH   SOLE   932 0 932
Danaher Corp (DHR) COM 235851102   907,982 3,636 SH   SOLE   1,818 0 1,818
Deere Co (DE) COM 244199105   566,000 1,378 SH   SOLE   689 0 689
Disney Walt Hldg. Co. (DIS) COM 254687106   2,693,144 22,010 SH   SOLE   11,005 0 11,005
ETFMG Prime Cyber Security ETF COM 032108664   1,753,408 27,350 SH   SOLE   13,675 0 13,675
Eaton Corporation (ETN) COM G29183103   746,054 2,386 SH   SOLE   1,193 0 1,193
Emerson Elec Co (EMR) COM 291011104   451,638 3,982 SH   SOLE   1,991 0 1,991
Encore Wire (WIRE) COM 292562105   562,349 2,140 SH   SOLE   1,070 0 1,070
Exact Sciences (EXAS) COM 30063P105   1,079,408 15,630 SH   SOLE   7,815 0 7,815
Exxon Mobil (XOM) COM 30231G102   4,915,790 42,290 SH   SOLE   21,145 0 21,145
Fair Isaac (FICO) COM 303250104   697,282 558 SH   SOLE   279 0 279
Fastenal Company (FAST) COM 311900104   1,113,284 14,432 SH   SOLE   7,216 0 7,216
GE Aerospace (GE) COM 369604103   886,426 5,050 SH   SOLE   2,525 0 2,525
Garmin (GRMN) COM H2906T109   571,065 3,836 SH   SOLE   1,918 0 1,918
General Mills, Inc. (GIS) COM 370334104   607,619 8,684 SH   SOLE   4,342 0 4,342
General Motors New (GM) COM 37045V100   703,560 15,514 SH   SOLE   7,757 0 7,757
Gilead Sciences Inc. (GILD) COM 375558103   409,467 5,590 SH   SOLE   2,795 0 2,795
Globalstar Inc. (GSAT) COM 378973408   652,680 444,000 SH   SOLE   222,000 0 222,000
Graco Inc (GGG) COM 384109104   546,741 5,850 SH   SOLE   2,925 0 2,925
Hamilton Beach Brands Cl A (HB COM 40701T104   1,647,857 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   1,787,311 22,926 SH   SOLE   11,463 0 11,463
Home Depot Inc. (HD) COM 437076102   2,791,841 7,278 SH   SOLE   3,639 0 3,639
Honeywell International (HON) COM 438516106   1,948,643 9,494 SH   SOLE   4,747 0 4,747
Hormel Foods (HRL) COM 440452100   938,582 26,901 SH   SOLE   13,451 0 13,451
Hyster-Yale Materials Handling COM 449172105   4,852,279 75,616 SH   SOLE   37,808 0 37,808
Illinois Tool Works Inc (ITW) COM 452308109   1,285,301 4,790 SH   SOLE   2,395 0 2,395
Ingredion (INGR) COM 457187102   432,345 3,700 SH   SOLE   1,850 0 1,850
Intel Corp. (INTC) COM 458140100   3,117,848 70,587 SH   SOLE   35,294 0 35,294
Inter Parfums (IPAR) COM 458334109   524,102 3,730 SH   SOLE   1,865 0 1,865
Intl Business Machines (IBM) COM 459200101   529,723 2,774 SH   SOLE   1,387 0 1,387
Invesco Water Resource Port (P COM 46137V142   1,784,076 26,800 SH   SOLE   13,400 0 13,400
J P Morgan Chase & Co (JPM) COM 46625H100   4,683,014 23,380 SH   SOLE   11,690 0 11,690
J.M. Smuckers Co (SJM) COM 832696405   1,633,541 12,978 SH   SOLE   6,489 0 6,489
Johnson & Johnson (JNJ) COM 478160104   4,450,516 28,134 SH   SOLE   14,067 0 14,067
Kohlberg Kravis & Co (KKR) COM 48251W104   3,977,738 39,548 SH   SOLE   19,774 0 19,774
Korn Ferry International (KFY) COM 500643200   581,976 8,850 SH   SOLE   4,425 0 4,425
Landstar System (LSTR) COM 515098101   893,635 4,636 SH   SOLE   2,318 0 2,318
LeMaitre Vascular (LMAT) COM 525558201   580,650 8,750 SH   SOLE   4,375 0 4,375
Lilly Eli & Company (LLY) COM 532457108   5,360,144 6,890 SH   SOLE   3,445 0 3,445
Linde PLC (LIN) COM G54950103   526,539 1,134 SH   SOLE   567 0 567
Lowes Companies Inc. (LOW) COM 548661107   765,209 3,004 SH   SOLE   1,502 0 1,502
McDonalds Corp (MCD) COM 580135101   1,423,847 5,050 SH   SOLE   2,525 0 2,525
Merck & Co Inc. (MRK) COM 589331107   3,229,080 24,472 SH   SOLE   12,236 0 12,236
Microsoft Corp. (MSFT) COM 594918104   9,602,499 22,824 SH   SOLE   11,412 0 11,412
Mondelez (MDLZ) COM 609207105   456,400 6,520 SH   SOLE   3,260 0 3,260
Morgan Stanley (MS) COM 617446448   530,309 5,632 SH   SOLE   2,816 0 2,816
NVIDIA Corporation (NVDA) COM 67066G104   856,183 948 SH   SOLE   474 0 474
Nacco Inds Inc CL A (NC) COM 629579103   1,737,768 57,542 SH   SOLE   28,771 0 28,771
NextEra Energy (NEE) COM 65339F101   1,454,080 22,752 SH   SOLE   11,376 0 11,376
Norfolk Southern Cop (NSC) COM 655844108   580,594 2,278 SH   SOLE   1,139 0 1,139
Novo-Nordisk (NVO) COM 670100205   446,832 3,480 SH   SOLE   1,740 0 1,740
Oracle Corp. (ORCL) COM 68389X105   1,463,356 11,650 SH   SOLE   5,825 0 5,825
Otis Worldwide (OTIS) COM 68902V107   676,823 6,818 SH   SOLE   3,409 0 3,409
PepsiCo Inc. (PEP) COM 713448108   4,221,201 24,120 SH   SOLE   12,060 0 12,060
Pfizer Inc (PFE) COM 717081103   1,712,802 61,723 SH   SOLE   30,861 0 30,861
Phillips 66 (PSX) COM 718546104   2,461,860 15,072 SH   SOLE   7,536 0 7,536
Procter & Gamble (PG) COM 742718109   3,488,050 21,498 SH   SOLE   10,749 0 10,749
Qualcomm Inc. (QCOM) COM 747525103   490,970 2,900 SH   SOLE   1,450 0 1,450
ROBO Gbl Robotics & Auto'n ETF COM 301505707   1,209,743 20,630 SH   SOLE   10,315 0 10,315
RTX Corporation (RTX) COM 75513E101   2,669,591 27,372 SH   SOLE   13,686 0 13,686
Regions Financial Corp (RF) COM 7591EP100   565,976 26,900 SH   SOLE   13,450 0 13,450
SYNNEX Corp (SNX) COM 87162W100   655,980 5,800 SH   SOLE   2,900 0 2,900
Salesforce.com (CRM) COM 79466L302   1,104,126 3,666 SH   SOLE   1,833 0 1,833
Smith & Nephew (SNN) COM 83175M205   551,580 21,750 SH   SOLE   10,875 0 10,875
Sonoco Products (SON) COM 835495102   1,605,060 27,750 SH   SOLE   13,875 0 13,875
Southwest Airlines (LUV) COM 844741108   436,390 14,950 SH   SOLE   7,475 0 7,475
Sprouts Farmers Markets (SFM) COM 85208M102   1,142,586 17,720 SH   SOLE   8,860 0 8,860
Standard Motor Products (SMP) COM 853666105   491,575 14,652 SH   SOLE   7,326 0 7,326
Starbucks Corp. (SBUX) COM 855244109   1,122,269 12,280 SH   SOLE   6,140 0 6,140
State Street Corp (STT) COM 857477103   661,086 8,550 SH   SOLE   4,275 0 4,275
Stryker Corp. (SYK) COM 863667101   811,649 2,268 SH   SOLE   1,134 0 1,134
Sysco Corp. (SYY) COM 871829107   2,437,998 30,032 SH   SOLE   15,016 0 15,016
T Rowe Price Group (TROW) COM 74144T108   654,710 5,370 SH   SOLE   2,685 0 2,685
TJX Cos Inc (TJX) COM 872540109   4,362,886 43,018 SH   SOLE   21,509 0 21,509
Taiwan Semiconductor ADRF Spon COM 874039100   1,700,625 12,500 SH   SOLE   6,250 0 6,250
Target Corporation (TGT) COM 87612E106   1,980,170 11,174 SH   SOLE   5,587 0 5,587
Texas Instruments Inc (TXN) COM 882508104   879,412 5,048 SH   SOLE   2,524 0 2,524
The Blackstone Group (BX) COM 09260D107   693,634 5,280 SH   SOLE   2,640 0 2,640
The Trade Desk Inc (TTD) COM 88339J105   1,326,161 15,170 SH   SOLE   7,585 0 7,585
Trex Inc (TREX) COM 89531P105   2,854,845 28,620 SH   SOLE   14,310 0 14,310
Tyler Technologies (TYL) COM 902252105   459,011 1,080 SH   SOLE   540 0 540
US Bancorp (USB) COM 902973304   1,806,774 40,420 SH   SOLE   20,210 0 20,210
Ulta Beauty (ULTA) COM 903845303   1,772,563 3,390 SH   SOLE   1,695 0 1,695
Unilever PLC ADR New F (UL) COM 904767704   849,616 16,928 SH   SOLE   8,464 0 8,464
Union Pacific Corp. (UNP) COM 907818108   648,271 2,636 SH   SOLE   1,318 0 1,318
United Parcel Service Cl B (UP COM 911312106   583,834 3,928 SH   SOLE   1,964 0 1,964
Unitedhealth Group Inc. (UNH) COM 91324P102   596,608 1,206 SH   SOLE   603 0 603
Universal Display (OLED) COM 91347P105   439,654 2,610 SH   SOLE   1,305 0 1,305
Vericel (VCEL) COM 92346J108   672,098 12,920 SH   SOLE   6,460 0 6,460
Verisk Analytics (VRSK) COM 92345Y106   2,336,084 9,910 SH   SOLE   4,955 0 4,955
Verizon Communications (VZ) COM 92343V104   1,627,880 38,796 SH   SOLE   19,398 0 19,398
Visa Inc (V) COM 92826C839   3,101,695 11,114 SH   SOLE   5,557 0 5,557
Vortex Energy Corp (VTECF) COM 92905D104   9,790 50,000 SH   SOLE   25,000 0 25,000
WD 40 Co (WDFC) COM 929236107   1,478,317 5,836 SH   SOLE   2,918 0 2,918
WalMart Inc. (WMT) COM 931142103   887,748 14,754 SH   SOLE   7,377 0 7,377
Zimmer Biomet Holdings Inc. (Z COM 98956P102   557,747 4,226 SH   SOLE   2,113 0 2,113
Zoetis Inc (ZTS) COM 98978V103   1,935,762 11,440 SH   SOLE   5,720 0 5,720
IShares S&P 100 Index (OEF) ETF 464287101   1,152,931 4,660 SH   SOLE   2,330 0 2,330
Invesco S&P 500 Equal Weighted ETF 46137V357   6,699,804 39,557 SH   SOLE   19,779 0 19,779
Invesco SP500 Hi Div Low Vol ( ETF 46138E362   603,840 13,600 SH   SOLE   6,800 0 6,800
SP 400 Midcap ETF (SPMD) ETF 78464A847   866,775 16,250 SH   SOLE   8,125 0 8,125
SPDR S&P Dividend ETF (SDY) ETF 78464A763   964,614 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107   16,954,702 30,472 SH   SOLE   15,236 0 15,236
SPDR Trust S&P 500 (SPY) ETF 78462F103   1,646,102 3,147 SH   SOLE   1,574 0 1,574
Schwab Large Cap Growth ETF (S ETF 808524300   13,199,682 142,361 SH   SOLE   71,180 0 71,180
Schwab Large Cap US ETF (SCHX) ETF 808524201   5,498,516 88,600 SH   SOLE   44,300 0 44,300
Schwab US Broad Market ETF (SC ETF 808524102   7,195,597 117,864 SH   SOLE   58,932 0 58,932
Schwab US Dividend Equity (SCH ETF 808524797   9,637,059 119,522 SH   SOLE   59,761 0 59,761
Schwab US Mid Cap ETF (SCHM) ETF 808524508   14,956,790 183,677 SH   SOLE   91,838 0 91,838
Schwab US Small Cap ETF (SCHA) ETF 808524607   9,042,508 183,642 SH   SOLE   91,821 0 91,821
Vanguard Extended Market Index ETF 922908652   2,252,219 12,850 SH   SOLE   6,425 0 6,425
Vanguard High Dividend Yield E ETF 921946406   483,960 4,000 SH   SOLE   2,000 0 2,000
Vanguard Mid Cap ETF (VO) ETF 922908629   1,086,891 4,350 SH   SOLE   2,175 0 2,175
Vanguard S&P 500 ETF (VOO) ETF 922908363   14,343,914 29,840 SH   SOLE   14,920 0 14,920
Vanguard Small Cap Growth (VBK ETF 922908595   3,498,862 13,420 SH   SOLE   6,710 0 6,710
iShares S&P US Preferred Stock ETF 464288687   4,168,950 129,350 SH   SOLE   64,675 0 64,675
iShares Trust S&P 500 Index (I ETF 464287200   2,319,521 4,412 SH   SOLE   2,206 0 2,206
IShares S&P Global 100 ETF (IO ETF 464287572   1,795,353 20,080 SH   SOLE   10,040 0 10,040
Ishares Int'l Select Dividend ETF 464288448   614,356 21,910 SH   SOLE   10,955 0 10,955
Ishares MSCI Ireland ETF (EIRL ETF 46429B507   817,534 11,790 SH   SOLE   5,895 0 5,895
SPDR International Dividend ET ETF 78463X772   424,542 12,078 SH   SOLE   6,039 0 6,039
Schwab Emerging Markets ETF (S ETF 808524706   2,256,087 89,350 SH   SOLE   44,675 0 44,675
Schwab International Equity ET ETF 808524805   15,109,661 387,229 SH   SOLE   193,614 0 193,614
Vanguard Total World Stock Mar ETF 922042742   489,515 4,430 SH   SOLE   2,215 0 2,215
iShares MSCI Canada Index Fund ETF 464286509   424,142 11,080 SH   SOLE   5,540 0 5,540
iShares TR MSCI EAFE Fd (EFA) ETF 464287465   2,899,778 36,311 SH   SOLE   18,155 0 18,155