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
Abbott Laboratories Common 002824100 76 543 SH   SOLE   0 0 543
AbbVie Common 00287y109 117 863 SH   SOLE   0 0 863
Accenture Common G1151C101 86 207 SH   SOLE   0 0 207
Adobe Systems Common 00724f101 31 55 SH   SOLE   0 0 55
Advance Auto Parts Common 00751Y106 5 22 SH   SOLE   0 0 22
Air Products & Chemicals Common 009158106 20 66 SH   SOLE   0 0 66
Alcon Common H01301128 5 54 SH   SOLE   0 0 54
Align Technology Common 016255101 9 14 SH   SOLE   0 0 14
Allegion Common G0176J109 7 50 SH   SOLE   0 0 50
Alphabet Common 02079k107 243 84 SH   SOLE   0 0 84
Alphabet Common 02079k305 240 83 SH   SOLE   0 0 83
Amazon.com Common 023135106 27 8 SH   SOLE   0 0 8
American Electric Power Common 025537101 7 84 SH   SOLE   0 0 84
American Express Common 025816109 22 136 SH   SOLE   0 0 136
American Intl. Group Common 026874784 12 210 SH   SOLE   0 0 210
American Tower Common 03027x100 1 3 SH   SOLE   0 0 3
Amgen Common 031162100 4 16 SH   SOLE   0 0 16
ANSYS Inc. Common 03662Q105 7 17 SH   SOLE   0 0 17
Anthem Common 036752103 108 232 SH   SOLE   0 0 232
Apple Common 037833100 318 1,793 SH   SOLE   0 0 1,793
Applied Materials Common 038222105 5 31 SH   SOLE   0 0 31
Aptiv Common G6095L109 5 29 SH   SOLE   0 0 29
Arthur J. Gallagher Common 363576109 27 162 SH   SOLE   0 0 162
ASML Holding Common N07059202 5 6 SH   SOLE   0 0 6
Aspen Technology Common 045327103 7 43 SH   SOLE   0 0 43
AstraZeneca Common 046353108 10 165 SH   SOLE   0 0 165
AT&T Common 00206r102 46 1,868 SH   SOLE   0 0 1,868
Auto Data Processing Common 053015103 7 28 SH   SOLE   0 0 28
Autodesk Common 052769106 15 52 SH   SOLE   0 0 52
Bank of America Common 060505104 220 4,937 SH   SOLE   0 0 4,937
Bentley Systems Common 08265T208 7 140 SH   SOLE   0 0 140
Berkshire Hathaway CL B Common 084670702 16 54 SH   SOLE   0 0 54
BlackRock Common 09247x101 71 78 SH   SOLE   0 0 78
Boeing Common 097023105 54 269 SH   SOLE   0 0 269
Broadcom Common 11135F101 13 20 SH   SOLE   0 0 20
CDW Corp. Common 12514G102 12 60 SH   SOLE   0 0 60
Charles River Labs Common 159864107 15 39 SH   SOLE   0 0 39
Charles Schwab Common 808513105 12 137 SH   SOLE   0 0 137
Chevron Common 166764100 117 1,000 SH   SOLE   0 0 1,000
Cincinnati Financial Common 172062101 22 190 SH   SOLE   0 0 190
Cintas Common 172908105 20 45 SH   SOLE   0 0 45
Cisco Systems Common 17275R102 64 1,011 SH   SOLE   0 0 1,011
Citigroup Common 172967424 15 243 SH   SOLE   0 0 243
CME Group Common 12572q105 6 28 SH   SOLE   0 0 28
Coca-Cola Common 191216100 127 2,138 SH   SOLE   0 0 2,138
Comcast Common 20030n101 138 2,749 SH   SOLE   0 0 2,749
ConocoPhillips Common 20825C104 6 87 SH   SOLE   0 0 87
Consolidated Edison Common 209115104 49 575 SH   SOLE   0 0 575
Cooper Companies Common 216648402 9 21 SH   SOLE   0 0 21
Copart Common 217204106 11 73 SH   SOLE   0 0 73
Crown Castle Common 22822V101 34 163 SH   SOLE   0 0 163
CVS Health Corp. Common 126650100 14 139 SH   SOLE   0 0 139
Disney Common 254687106 328 2,116 SH   SOLE   0 0 2,116
Dollar General Common 256677105 2 10 SH   SOLE   0 0 10
Duke Energy Common 26441C204 61 583 SH   SOLE   0 0 583
DuPont Common 26614N102 5 60 SH   SOLE   0 0 60
Eaton Common G29183103 66 381 SH   SOLE   0 0 381
Ecolab Common 278865100 5 21 SH   SOLE   0 0 21
Eli Lilly Common 532457108 126 455 SH   SOLE   0 0 455
Equifax Common 294429105 10 33 SH   SOLE   0 0 33
Equinix Common 29444u700 7 8 SH   SOLE   0 0 8
Exxon Mobil Common 30231g102 20 320 SH   SOLE   0 0 320
Fifth Third Bancorp Common 316773100 25 575 SH   SOLE   0 0 575
Fortune Brands H&S Common 34964C106 160 1,500 SH   SOLE   0 0 1,500
Gartner Common 366651107 24 72 SH   SOLE   0 0 72
General Electric Common 369604103 4 47 SH   SOLE   0 0 47
General Motors Common 37045V100 10 174 SH   SOLE   0 0 174
GoodRx Holdings Common 38246G108 29 880 SH   SOLE   0 0 880
Grainger WW Common 384802104 7 13 SH   SOLE   0 0 13
Hartford Financial Services Common 416515104 23 340 SH   SOLE   0 0 340
Home Depot Common 437076102 474 1,142 SH   SOLE   0 0 1,142
Honeywell International Common 438516106 46 221 SH   SOLE   0 0 221
IHS Markit Common G47567105 9 71 SH   SOLE   0 0 71
Illinois Tool Works Common 452308109 10 41 SH   SOLE   0 0 41
Insight Enterprises Common 45765U103 7 69 SH   SOLE   0 0 69
Intel Common 458140100 21 400 SH   SOLE   0 0 400
Invesco QQQ Trust Common 73935A104 705 1,771 SH   SOLE   0 0 1,771
Invesco S&P 500 Equal Weight Common 46137V357 48 297 SH   SOLE   0 0 297
Invesco S&P 500 GARP Common 46137V431 15,321 157,895 SH   SOLE   0 0 157,895
iShares Expanded Technology Common 464287549 19,185 43,700 SH   SOLE   0 0 43,700
iShares Russell 1000 Growth Common 464287614 260 850 SH   SOLE   0 0 850
iShares Russell 2000 Common 464287655 7 30 SH   SOLE   0 0 30
iShares Russell 2000 Value Common 464287630 2 15 SH   SOLE   0 0 15
Jack Henry Common 426281101 6 34 SH   SOLE   0 0 34
Johnson & Johnson Common 478160104 66 386 SH   SOLE   0 0 386
JPMorgan Chase Common 46625h100 105 662 SH   SOLE   0 0 662
Lam Research Common 512807108 13 18 SH   SOLE   0 0 18
Lennar Common 526057104 46 400 SH   SOLE   0 0 400
Lennox International Common 526107107 9 27 SH   SOLE   0 0 27
Lockheed Martin Common 539830109 6 17 SH   SOLE   0 0 17
Marathon Petroleum Common 56585A102 12 180 SH   SOLE   0 0 180
Marsh & McLennan Common 571748102 32 185 SH   SOLE   0 0 185
Mastercard Common 57636q104 19 53 SH   SOLE   0 0 53
McDonald's Common 580135101 208 777 SH   SOLE   0 0 777
Medtronic Common G5960L103 7 66 SH   SOLE   0 0 66
Merck Common 58933y105 49 633 SH   SOLE   0 0 633
Meta Platforms Common 30303M102 75 223 SH   SOLE   0 0 223
MetLife Common 59156R108 28 456 SH   SOLE   0 0 456
MGM Growth Properties Common 55303A105 154 3,765 SH   SOLE   0 0 3,765
Microsoft Common 594918104 866 2,575 SH   SOLE   0 0 2,575
Mid-America Apartments Common 59522J103 38 165 SH   SOLE   0 0 165
Mimecast Common G14838109 16 206 SH   SOLE   0 0 206
Mondelez Common 609207105 47 715 SH   SOLE   0 0 715
Morgan Stanley Common 617446448 16 167 SH   SOLE   0 0 167
Motorola Solutions Common 620076307 6 21 SH   SOLE   0 0 21
MSCI Inc. Common 55354G100 19 31 SH   SOLE   0 0 31
Navitas Semiconductor Common 63942X106 5 310 SH   SOLE   0 0 310
NextEra Energy Common 65339F101 24 260 SH   SOLE   0 0 260
Nike Common 654106103 11 66 SH   SOLE   0 0 66
Nordson Common 655663102 11 43 SH   SOLE   0 0 43
NXP Semiconductors Common N6596X019 5 22 SH   SOLE   0 0 22
Oracle Common 68389x105 70 800 SH   SOLE   0 0 800
Organon Common 68622V106 2 63 SH   SOLE   0 0 63
Palo Alto Networks Common 697435105 9 17 SH   SOLE   0 0 17
Paychex Common 704326107 38 278 SH   SOLE   0 0 278
Paypal Common 70450y103 11 60 SH   SOLE   0 0 60
Pfizer Common 717081103 18 300 SH   SOLE   0 0 300
Philip Morris International Common 718172109 19 195 SH   SOLE   0 0 195
Pioneer Natural Resources Common 723787107 7 38 SH   SOLE   0 0 38
PNC Financial Common 693475105 13 65 SH   SOLE   0 0 65
Pool Corp. Common 73278L105 12 22 SH   SOLE   0 0 22
Procter & Gamble Common 742718109 664 4,057 SH   SOLE   0 0 4,057
Prologis Common 74340W103 47 279 SH   SOLE   0 0 279
ProShares S&P Div Aristocrats Common 74348A467 61,928 630,759 SH   SOLE   0 0 630,759
Prudential Financial Common 744320102 5 42 SH   SOLE   0 0 42
Public Storage Common 74460D109 0 1 SH   SOLE   0 0 1
Qualcomm Common 747525103 37 202 SH   SOLE   0 0 202
Raytheon Technologies Common 75513E101 9 110 SH   SOLE   0 0 110
Salesforce.com Common 79466l302 23 91 SH   SOLE   0 0 91
Schwab US Dividend Equity Common 808524797 9,703 120,042 SH   SOLE   0 0 120,042
Schwab US Large-Cap Value Common 808524409 9,744 133,078 SH   SOLE   0 0 133,078
Scotts Miracle-Gro Common 810186106 12 75 SH   SOLE   0 0 75
ServiceNow Common 81762P102 21 32 SH   SOLE   0 0 32
SiteOne Landscape Supply Common 829826103 17 70 SH   SOLE   0 0 70
Southern Common 842587107 40 588 SH   SOLE   0 0 588
SPDR Energy Common 81369Y506 14 255 SH   SOLE   0 0 255
SPDR Materials Common 81369Y100 27,337 301,699 SH   SOLE   0 0 301,699
SPDR Real Estate Common 81369Y860 19,351 373,493 SH   SOLE   0 0 373,493
SPDR S&P 500 Common 78462f103 24 50 SH   SOLE   0 0 50
SPDR Technology Common 81369Y803 1,179 6,779 SH   SOLE   0 0 6,779
SPDR Total Stock Market Common 78464A805 24 417 SH   SOLE   0 0 417
Starbucks Common 855244109 1,294 11,059 SH   SOLE   0 0 11,059
Stryker Common 863667101 17 65 SH   SOLE   0 0 65
Sysco Common 871829107 30 385 SH   SOLE   0 0 385
Taiwan Semiconductor Common 874039100 4 32 SH   SOLE   0 0 32
Teradyne Common 880770102 12 73 SH   SOLE   0 0 73
Texas Instruments Common 882508104 28 149 SH   SOLE   0 0 149
The Williams Companies Common 969457100 5 191 SH   SOLE   0 0 191
Thermo Fisher Scientific Common 883556102 11 17 SH   SOLE   0 0 17
Thor Industries Common 885160101 8 77 SH   SOLE   0 0 77
Trane Technologies Common 00BK9ZQ96 81 400 SH   SOLE   0 0 400
Ulta Beauty Common 90384S303 6 14 SH   SOLE   0 0 14
Union Pacific Common 907818108 5 19 SH   SOLE   0 0 19
United Healthcare Common 91324p102 35 70 SH   SOLE   0 0 70
UPS Common 911312106 543 2,534 SH   SOLE   0 0 2,534
Vanguard Financials Common 92204A405 19 197 SH   SOLE   0 0 197
Vanguard High Dividend Yield Common 921946406 23,994 214,022 SH   SOLE   0 0 214,022
Vanguard Information Technolog Common 92204A702 33,780 73,729 SH   SOLE   0 0 73,729
Vanguard S&P 500 Common 922908363 16 36 SH   SOLE   0 0 36
Vanguard Small Cap Growth Common 922908595 10 36 SH   SOLE   0 0 36
Verizon Common 92343v104 119 2,283 SH   SOLE   0 0 2,283
Visa Common 92826c839 36 168 SH   SOLE   0 0 168
W.R. Berkley Common 084423102 8 97 SH   SOLE   0 0 97
Waste Management Common 94106l109 382 2,286 SH   SOLE   0 0 2,286
WEC Energy Common 976657106 8 83 SH   SOLE   0 0 83
Wells Fargo Common 949746101 18 365 SH   SOLE   0 0 365
Weyerhaeuser Common 962166104 22 533 SH   SOLE   0 0 533
Xcel Energy Common 98389B100 14 202 SH   SOLE   0 0 202
Zebra Technologies Common 989207105 16 27 SH   SOLE   0 0 27
Zoetis Common 98978V103 26 108 SH   SOLE   0 0 108