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
Fidelity Merrimack Str Total Bond Fund ETF COM 316188309   2,660,645 61,080 SH   SOLE   0 0 61,080
Eaton Vance Municipal Income TR COM 27826u108   147,763 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   369,582 7,561 SH   SOLE   0 0 7,561
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   242,589 4,845 SH   SOLE   0 0 4,845
iShares National Muni Bond ETF COM 464288414   344,022 3,355 SH   SOLE   0 0 3,355
First Trust Senior Loan Fund ETF COM 33738d309   553,165 12,094 SH   SOLE   0 0 12,094
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   491,905 23,798 SH   SOLE   0 0 23,798
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825   366,565 18,228 SH   SOLE   0 0 18,228
JPMorgan Ultra-Short Income ETF COM 46641q837   2,343,356 46,699 SH   SOLE   0 0 46,699
Vanguard Bd Index - Total Bd Market ETF COM 921937835   256,093 3,670 SH   SOLE   0 0 3,670
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   1,106,047 26,300 SH   SOLE   0 0 26,300
First Trust Water ETF COM 33733b100   1,138,061 13,753 SH   SOLE   0 0 13,753
Amazon.Com Inc. COM 023135106   12,693,440 99,854 SH   SOLE   0 0 99,854
AutoZone, Inc. COM 053332102   444,498 175 SH   SOLE   0 0 175
Best Buy Company, Inc. COM 086516101   1,548,903 22,296 SH   SOLE   0 0 22,296
Chipotle Mexican Grill, A COM 169656105   8,690,202 4,744 SH   SOLE   0 0 4,744
Dicks Sporting Goods COM 253393102   1,329,019 12,240 SH   SOLE   0 0 12,240
Garmin Ltd. COM h2906t109   3,255,730 30,948 SH   SOLE   0 0 30,948
Genuine Parts Co. COM 372460105   2,105,349 14,582 SH   SOLE   0 0 14,582
Grupo Aeroportuario del Pacifico ADR COM 400506101   220,585 1,342 SH   SOLE   0 0 1,342
Hilton Worldwide Holdings, Inc. COM 43300a203   1,793,149 11,940 SH   SOLE   0 0 11,940
Home Depot, Inc. COM 437076102   8,277,005 27,393 SH   SOLE   0 0 27,393
Isuzu Motors Ltd. COM 465254209   149,392 12,126 SH   SOLE   0 0 12,126
Lear Corp. COM 521865204   301,950 2,250 SH   SOLE   0 0 2,250
Lowe's Cos COM 548661107   2,007,734 9,660 SH   SOLE   0 0 9,660
McDonalds Corp. COM 580135101   2,459,704 9,337 SH   SOLE   0 0 9,337
Nike, Inc. COM 654106103   222,221 2,324 SH   SOLE   0 0 2,324
Royal Caribbean Cruises, Ltd. COM V7780T103   221,136 2,400 SH   SOLE   0 0 2,400
Starbucks Corp. COM 855244109   431,259 4,725 SH   SOLE   0 0 4,725
Tesla Motors Inc. COM 88160r101   1,246,096 4,980 SH   SOLE   0 0 4,980
Unilever PLC ADR COM 904767704   547,303 11,079 SH   SOLE   0 0 11,079
W D 40 Co. COM 929236107   302,624 1,489 SH   SOLE   0 0 1,489
Yum Brands, Inc. COM 988498101   304,729 2,439 SH   SOLE   0 0 2,439
Altria Group, Inc. COM 02209S103   727,255 17,295 SH   SOLE   0 0 17,295
Archer Daniels Midland COM 039483102   10,229,206 135,630 SH   SOLE   0 0 135,630
Cal-Maine Foods, Inc. COM 128030202   1,177,865 24,326 SH   SOLE   0 0 24,326
Coca Cola COM 191216100   2,967,444 53,009 SH   SOLE   0 0 53,009
Coca Cola European Partners PLC COM g25839104   352,825 5,647 SH   SOLE   0 0 5,647
Colgate Palmolive Co. COM 194162103   402,269 5,657 SH   SOLE   0 0 5,657
Constellation Brands, Inc. COM 21036p108   536,087 2,133 SH   SOLE   0 0 2,133
Costco Wholesale Corp. COM 22160K105   10,515,036 18,612 SH   SOLE   0 0 18,612
General Mills COM 370334104   1,622,162 25,350 SH   SOLE   0 0 25,350
Hormel Foods Corp. COM 440452100   207,264 5,450 SH   SOLE   0 0 5,450
Kellanova COM 487836108   1,317,194 22,134 SH   SOLE   0 0 22,134
Kraft Heinz Co. COM 500754106   902,158 26,818 SH   SOLE   0 0 26,818
Lamb Weston Hldgs. COM 513272104   204,647 2,213 SH   SOLE   0 0 2,213
Mondelez International, Inc. COM 609207105   838,005 12,075 SH   SOLE   0 0 12,075
Monster Beverage Corp. COM 61174x109   1,482,971 28,007 SH   SOLE   0 0 28,007
Mowi ASA ADR COM 624678108   290,697 16,405 SH   SOLE   0 0 16,405
PepsiCo Inc COM 713448108   3,097,789 18,283 SH   SOLE   0 0 18,283
Philip Morris Internat'l. COM 718172109   1,402,506 15,149 SH   SOLE   0 0 15,149
Procter and Gamble COM 742718109   1,978,848 13,567 SH   SOLE   0 0 13,567
Target Corp. COM 87612E106   515,920 4,666 SH   SOLE   0 0 4,666
Wal-Mart Stores COM 931142103   3,459,126 21,629 SH   SOLE   0 0 21,629
BP Amoco PLC ADR COM 055622104   1,028,519 26,563 SH   SOLE   0 0 26,563
Cheniere Energy, Inc COM 16411r208   6,888,336 41,506 SH   SOLE   0 0 41,506
Chevron Corp. COM 166764100   938,060 5,563 SH   SOLE   0 0 5,563
Civitas Resources, Inc. COM 17888h103   1,973,875 24,408 SH   SOLE   0 0 24,408
ConocoPhillips COM 20825C104   649,596 5,422 SH   SOLE   0 0 5,422
Devon Energy Corp. COM 25179M103   642,042 13,460 SH   SOLE   0 0 13,460
Enbridge Inc. COM 29250n105   485,791 14,577 SH   SOLE   0 0 14,577
Energy Select Sector SPDR ETF COM 81369y506   795,703 8,803 SH   SOLE   0 0 8,803
Exxon Mobil Corp. COM 30231G102   1,612,257 13,712 SH   SOLE   0 0 13,712
Halliburton Co. COM 406216101   202,500 5,000 SH   SOLE   0 0 5,000
Marathon Petroleum Corp. COM 56585a102   635,325 4,198 SH   SOLE   0 0 4,198
Petroleo Brasileiro Petrobras ADR COM 71654v408   238,356 15,901 SH   SOLE   0 0 15,901
Phillips 66 COM 718546104   2,870,436 23,890 SH   SOLE   0 0 23,890
Shell PLC ADR COM 780259305   479,953 7,455 SH   SOLE   0 0 7,455
Total Energies SE COM 89151e109   226,149 3,439 SH   SOLE   0 0 3,439
Williams Companies COM 969457100   2,412,137 71,598 SH   SOLE   0 0 71,598
AFLAC, Inc. COM 001055102   1,080,901 14,083 SH   SOLE   0 0 14,083
AGNC Investment Corp COM 00123q104   1,432,076 151,703 SH   SOLE   0 0 151,703
American Express COM 025816109   255,562 1,713 SH   SOLE   0 0 1,713
BB Seguridade Participacoes ADR COM 05541j103   186,886 30,437 SH   SOLE   0 0 30,437
Bank of America COM 060505104   298,579 10,905 SH   SOLE   0 0 10,905
Bank of Montreal COM 063671101   284,243 3,369 SH   SOLE   0 0 3,369
Barings BDC, Inc. COM 06759l103   123,617 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   531,477 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   4,833,089 13,797 SH   SOLE   0 0 13,797
Blackstone Group Inc. Cl. A COM 09260d107   10,423,536 97,289 SH   SOLE   0 0 97,289
Charles Schwab Corp. COM 808513105   408,568 7,442 SH   SOLE   0 0 7,442
Discover Financial Services, Inc. COM 254709108   206,699 2,386 SH   SOLE   0 0 2,386
Essent Group Ltd. COM g3198u102   1,573,953 33,283 SH   SOLE   0 0 33,283
Everest Reinsur. Group, Ltd. COM g3223r108   979,350 2,635 SH   SOLE   0 0 2,635
Fifth Third Bancorp COM 316773100   401,227 15,840 SH   SOLE   0 0 15,840
First Busey Corp. COM 319383204   1,160,991 60,405 SH   SOLE   0 0 60,405
Fiserv, Inc. COM 337738108   6,741,905 59,684 SH   SOLE   0 0 59,684
Gallagher, Arthur J & Co. COM 363576109   309,985 1,360 SH   SOLE   0 0 1,360
Global Payments Inc. COM 37940x102   2,421,459 20,985 SH   SOLE   0 0 20,985
HSBC Holdings PLC ADR COM 404280406   288,058 7,300 SH   SOLE   0 0 7,300
Interactive Brokers Group, Inc. COM 45841n107   2,037,190 23,535 SH   SOLE   0 0 23,535
Intercontinental Exchange Group COM 45866f104   5,283,160 48,020 SH   SOLE   0 0 48,020
J.P. Morgan Chase & Co. COM 46625H100   1,283,717 8,852 SH   SOLE   0 0 8,852
MGIC Investment Corp. COM 552848103   1,640,761 98,308 SH   SOLE   0 0 98,308
MasterCard, Inc. COM 57636q104   10,280,595 25,967 SH   SOLE   0 0 25,967
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   167,678 19,750 SH   SOLE   0 0 19,750
Moody's Corp. COM 615369105   594,400 1,880 SH   SOLE   0 0 1,880
Old Republic Nat'l. Corp. COM 680223104   2,497,284 92,698 SH   SOLE   0 0 92,698
Ping An Insurance Company of China ADR COM 72341e304   197,275 17,458 SH   SOLE   0 0 17,458
Prudential Financial, Inc. COM 744320102   214,451 2,260 SH   SOLE   0 0 2,260
RLI Corp. COM 749607107   231,557 1,704 SH   SOLE   0 0 1,704
Regions Financial Corp. COM 7591ep100   369,697 21,494 SH   SOLE   0 0 21,494
S&P Global, Inc. COM 78409v104   2,137,649 5,850 SH   SOLE   0 0 5,850
Sun Life Financial, Inc. COM 866796105   288,847 5,919 SH   SOLE   0 0 5,919
Swiss Re Ltd. COM 870886108   220,403 8,576 SH   SOLE   0 0 8,576
Travelers Companies Inc. COM 89417E109   460,861 2,822 SH   SOLE   0 0 2,822
UBS Group AG COM h42097107   214,899 8,718 SH   SOLE   0 0 8,718
Visa Inc. COM 92826c839   997,093 4,335 SH   SOLE   0 0 4,335
WEX, Inc. COM 96208t104   818,192 4,350 SH   SOLE   0 0 4,350
AbbVie, Inc. COM 00287y109   2,786,910 18,697 SH   SOLE   0 0 18,697
Abbott Laboratories COM 002824100   1,687,999 17,429 SH   SOLE   0 0 17,429
Amgen, Inc. COM 031162100   392,927 1,462 SH   SOLE   0 0 1,462
AstraZeneca PLC ADR COM 046353108   1,814,828 26,799 SH   SOLE   0 0 26,799
Becton Dickinson & Co. COM 075887109   711,475 2,752 SH   SOLE   0 0 2,752
Bristol-Myers Squibb COM 110122108   540,585 9,314 SH   SOLE   0 0 9,314
CVS Health Corp. COM 126650100   2,540,401 36,385 SH   SOLE   0 0 36,385
Cardinal Health COM 14149y108   2,212,000 25,478 SH   SOLE   0 0 25,478
Danaher Corp. COM 235851102   551,278 2,222 SH   SOLE   0 0 2,222
Elevance Health COM 036752103   316,683 727 SH   SOLE   0 0 727
First Trust NYSE Arca Biotech ETF COM 33733e203   330,750 2,260 SH   SOLE   0 0 2,260
Gilead Sciences Inc. COM 375558103   5,458,879 72,843 SH   SOLE   0 0 72,843
GlaxoSmithKline PLC COM 37733w204   363,261 10,021 SH   SOLE   0 0 10,021
HCA Healthcare Co. COM 40412c101   8,177,359 33,244 SH   SOLE   0 0 33,244
Health Care Select Sector SPDR ETF COM 81369y209   365,622 2,840 SH   SOLE   0 0 2,840
IShares US Healthcare ETF COM 464287762   642,226 2,378 SH   SOLE   0 0 2,378
Johnson & Johnson COM 478160104   2,322,388 14,911 SH   SOLE   0 0 14,911
Lilly (Eli) COM 532457108   1,772,455 3,300 SH   SOLE   0 0 3,300
Merck & Co Inc. COM 58933y105   4,690,794 45,564 SH   SOLE   0 0 45,564
Microport Scientific Corp. COM g60837104   746,912 504,670 SH   SOLE   0 0 504,670
Novartis AG ADR COM 66987v109   246,297 2,418 SH   SOLE   0 0 2,418
Novo Nordisk A.S. ADR COM 670100205   989,609 10,882 SH   SOLE   0 0 10,882
Pfizer, Inc. COM 717081103   1,346,005 40,579 SH   SOLE   0 0 40,579
Quest Diagnostics COM 74834L100   1,394,931 11,447 SH   SOLE   0 0 11,447
Regeneron Pharmaceuticals COM 75886f107   3,136,301 3,811 SH   SOLE   0 0 3,811
Stryker Corporation COM 863667101   250,589 917 SH   SOLE   0 0 917
Takeda Pharmaceutical Co. COM 874060205   194,334 12,562 SH   SOLE   0 0 12,562
Thermo Fisher Scientific, Inc. COM 883556102   6,967,936 13,766 SH   SOLE   0 0 13,766
UnitedHealth Group COM 91324p102   8,011,579 15,890 SH   SOLE   0 0 15,890
Vanguard World Health Care ETF COM 92204a504   2,193,483 9,330 SH   SOLE   0 0 9,330
Vertex Pharmaceutical COM 92532F100   312,966 900 SH   SOLE   0 0 900
3M Company COM 88579y101   239,199 2,555 SH   SOLE   0 0 2,555
AB Volvo ADR COM 928854108   212,814 10,366 SH   SOLE   0 0 10,366
ABB Ltd. Sponsored ADR COM 000375204   226,957 6,377 SH   SOLE   0 0 6,377
Boeing Company COM 097023105   205,289 1,071 SH   SOLE   0 0 1,071
CSX Corp. COM 126408103   235,514 7,659 SH   SOLE   0 0 7,659
Caterpillar Inc. COM 149123101   1,617,934 5,927 SH   SOLE   0 0 5,927
Cummins Engine Inc. COM 231021106   863,122 3,778 SH   SOLE   0 0 3,778
Deere & Co. COM 244199105   6,957,000 18,435 SH   SOLE   0 0 18,435
Delta Airlines Inc. COM 247361702   6,588,960 178,080 SH   SOLE   0 0 178,080
Eaton Corp., PLC COM g29183103   1,190,316 5,581 SH   SOLE   0 0 5,581
Emerson Electric Co. COM 291011104   374,672 3,880 SH   SOLE   0 0 3,880
Fedex Corp. COM 31428X106   212,996 804 SH   SOLE   0 0 804
Frontline, LTD. COM M46528101   242,450 12,910 SH   SOLE   0 0 12,910
H&E Equipment Services, Inc. COM 404030108   1,752,823 40,584 SH   SOLE   0 0 40,584
Illinois Tool Works COM 452308109   921,377 4,001 SH   SOLE   0 0 4,001
Industrial Select Sector SPDR ETF COM 81369y704   391,023 3,857 SH   SOLE   0 0 3,857
Jacobs Solutions, Inc. COM 46982l108   1,370,460 10,040 SH   SOLE   0 0 10,040
Lockheed Martin Corp. COM 539830109   382,787 936 SH   SOLE   0 0 936
Masco Corp. COM 574599106   349,456 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   299,924 1,523 SH   SOLE   0 0 1,523
Northrop Grumman COM 666807102   266,315 605 SH   SOLE   0 0 605
Owens Corning COM 690742101   6,684,226 49,001 SH   SOLE   0 0 49,001
Quanta Services, Inc. COM 74762e102   3,463,601 18,515 SH   SOLE   0 0 18,515
RPM Inc. Ohio COM 749685103   3,084,560 32,534 SH   SOLE   0 0 32,534
Raytheon Technologies Corp. COM 75513e101   307,312 4,270 SH   SOLE   0 0 4,270
Saia, Inc. COM 78709Y105   4,145,960 10,400 SH   SOLE   0 0 10,400
Snap-on Incorporated COM 833034101   2,333,289 9,148 SH   SOLE   0 0 9,148
Terex Corp. COM 880779103   1,756,200 30,479 SH   SOLE   0 0 30,479
Timken Co. COM 887389104   2,751,245 37,437 SH   SOLE   0 0 37,437
TransDigm Group Inc. COM 893641100   209,939 249 SH   SOLE   0 0 249
Uber Technologies Inc. COM 90353t100   320,274 6,964 SH   SOLE   0 0 6,964
Union Pacific Corp. COM 907818108   1,302,825 6,398 SH   SOLE   0 0 6,398
United Parcel Service, Inc. COM 911312106   313,610 2,012 SH   SOLE   0 0 2,012
United Rentals, Inc. COM 911363109   10,077,513 22,668 SH   SOLE   0 0 22,668
Waste Management, Inc. COM 94106L109   495,887 3,253 SH   SOLE   0 0 3,253
WillScot Mobile Mini Hldgs Corp, Cl. A COM 971378104   686,110 16,497 SH   SOLE   0 0 16,497
American Tower Corp. COM 03027x100   256,213 1,558 SH   SOLE   0 0 1,558
Apartment Income REIT Corp. COM 03750l109   847,197 27,596 SH   SOLE   0 0 27,596
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747   187,653 27,596 SH   SOLE   0 0 27,596
Digital Realty Trust Inc. COM 253868103   2,643,077 21,840 SH   SOLE   0 0 21,840
Essex Property Trust COM 297178105   1,436,698 6,774 SH   SOLE   0 0 6,774
Farmland Partners, Inc. COM 31154r109   324,216 31,600 SH   SOLE   0 0 31,600
IShares Cohen & Steers REIT ETF COM 464287564   255,415 5,092 SH   SOLE   0 0 5,092
IShares Residential Real Estate Capped ETF COM 464288562   427,818 6,487 SH   SOLE   0 0 6,487
Realty Income Corp. COM 756109104   229,075 4,587 SH   SOLE   0 0 4,587
Vanguard REIT ETF COM 922908553   479,420 6,337 SH   SOLE   0 0 6,337
W. P. Carey Inc. COM 92936u109   3,031,955 56,064 SH   SOLE   0 0 56,064
ASML Hldg N V COM n07059210   235,464 400 SH   SOLE   0 0 400
Accenture, Ltd. COM g1151c101   203,307 662 SH   SOLE   0 0 662
Adobe Systems, Inc. COM 00724F101   521,628 1,023 SH   SOLE   0 0 1,023
Advanced Micro Devices COM 007903107   712,234 6,927 SH   SOLE   0 0 6,927
Analog Devices Inc. COM 032654105   236,372 1,350 SH   SOLE   0 0 1,350
Apple Inc. COM 037833100   28,785,155 168,128 SH   SOLE   0 0 168,128
Applied Materials COM 038222105   445,394 3,217 SH   SOLE   0 0 3,217
Autodesk COM 052769106   200,703 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103   1,323,431 5,501 SH   SOLE   0 0 5,501
Avnet Inc. COM 053807103   2,686,496 55,748 SH   SOLE   0 0 55,748
Broadcom Inc. COM 11135f101   12,571,659 15,136 SH   SOLE   0 0 15,136
Cisco Systems COM 17275r102   1,136,916 21,148 SH   SOLE   0 0 21,148
Debt Resolve Inc. COM 24276r206   100 100,000 SH   SOLE   0 0 100,000
First Solar, Inc. COM 336433107   315,908 1,955 SH   SOLE   0 0 1,955
Flextronics Internat'l. Ltd. COM Y2573F102   7,878,079 291,997 SH   SOLE   0 0 291,997
Hewlett Packard Enterprise Co. COM 42824c109   2,563,221 147,566 SH   SOLE   0 0 147,566
Honeywell Internat'l. COM 438516106   435,432 2,357 SH   SOLE   0 0 2,357
I.B.M. COM 459200101   1,208,825 8,616 SH   SOLE   0 0 8,616
Infosys Technologies, Ltd. COM 456788108   344,681 20,145 SH   SOLE   0 0 20,145
Intel Corp. COM 458140100   528,962 14,879 SH   SOLE   0 0 14,879
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   3,531,310 9,857 SH   SOLE   0 0 9,857
Jabil Circuit, Inc. COM 466313103   11,525,165 90,828 SH   SOLE   0 0 90,828
LAM Research Corp. COM 512807108   10,467,686 16,701 SH   SOLE   0 0 16,701
Leidos Holdings, Inc. COM 525327102   583,649 6,333 SH   SOLE   0 0 6,333
Logitech Internat'l. SA COM H50430232   345,803 5,016 SH   SOLE   0 0 5,016
MercadoLibre Inc. COM 58733r102   304,291 240 SH   SOLE   0 0 240
Microchip Technology, Inc. COM 595017104   9,434,361 120,876 SH   SOLE   0 0 120,876
Micron Technology, Inc. COM 595112103   1,319,782 19,400 SH   SOLE   0 0 19,400
Microsoft Corporation COM 594918104   17,346,397 54,937 SH   SOLE   0 0 54,937
Nvidia Corp. COM 67066g104   14,452,719 33,225 SH   SOLE   0 0 33,225
Oracle Corp COM 68389X105   1,104,428 10,427 SH   SOLE   0 0 10,427
Palo Alto Networks, Inc. COM 697435105   1,184,391 5,052 SH   SOLE   0 0 5,052
PayChex Inc. COM 704326107   3,016,456 26,155 SH   SOLE   0 0 26,155
Qualcomm Inc. COM 747525103   586,952 5,285 SH   SOLE   0 0 5,285
Salesforce.com COM 79466l302   2,928,752 14,443 SH   SOLE   0 0 14,443
Seagate Technology Holdings PLC COM g7997r103   242,564 3,678 SH   SOLE   0 0 3,678
ServiceNow, Inc. COM 81762p102   216,876 388 SH   SOLE   0 0 388
Siemens AG ADR COM 826197501   202,132 2,829 SH   SOLE   0 0 2,829
SolarEdge Technologies, Inc. COM 83417m104   2,921,746 22,560 SH   SOLE   0 0 22,560
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   870,043 10,012 SH   SOLE   0 0 10,012
Technology Select Sector SPDR ETF COM 81369y803   527,363 3,217 SH   SOLE   0 0 3,217
United Microelectronics ADR COM 910873405   285,739 40,473 SH   SOLE   0 0 40,473
Vanguard Information Technology ETF COM 92204a702   2,183,619 5,263 SH   SOLE   0 0 5,263
Air Products & Chem COM 009158106   368,987 1,302 SH   SOLE   0 0 1,302
Albemarle Corp. COM 012653101   5,906,331 34,735 SH   SOLE   0 0 34,735
Amyris, Inc. COM 03236m200   627 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108   275,982 4,852 SH   SOLE   0 0 4,852
Dow Inc. COM 260557103   290,025 5,625 SH   SOLE   0 0 5,625
Gerdau SA ADR COM 373737105   179,817 37,658 SH   SOLE   0 0 37,658
International Paper COM 460146103   1,309,375 36,915 SH   SOLE   0 0 36,915
Linde PLC COM g54950103   277,401 745 SH   SOLE   0 0 745
Materials Select Sector SPDR ETF COM 81369y100   333,680 4,248 SH   SOLE   0 0 4,248
Mosaic Co. COM 61945c103   1,266,612 35,579 SH   SOLE   0 0 35,579
Nucor Corp. COM 670346105   3,135,443 20,054 SH   SOLE   0 0 20,054
Rio Tinto PLC ADR F COM 767204100   571,042 8,973 SH   SOLE   0 0 8,973
Sherwin Williams Company COM 824348106   3,726,281 14,610 SH   SOLE   0 0 14,610
Yara International ADR COM 984851204   311,707 16,475 SH   SOLE   0 0 16,475
AT&T Inc. COM 00206R102   497,793 33,142 SH   SOLE   0 0 33,142
Alphabet Inc., Cl. A COM 02079k305   13,964,725 106,715 SH   SOLE   0 0 106,715
Alphabet Inc., Cl. C COM 02079k107   1,933,321 14,663 SH   SOLE   0 0 14,663
Charter Communications, Inc. COM 16119p108   244,100 555 SH   SOLE   0 0 555
Comcast Corp., Cl. A COM 20030N101   219,660 4,954 SH   SOLE   0 0 4,954
Meta Platforms, Inc. COM 30303m102   2,289,702 7,627 SH   SOLE   0 0 7,627
Omnicom Group COM 681919106   1,912,051 25,672 SH   SOLE   0 0 25,672
T-Mobile US Inc. COM 872590104   1,519,262 10,848 SH   SOLE   0 0 10,848
Verizon Communications COM 92343V104   433,549 13,377 SH   SOLE   0 0 13,377
Vodafone Group PLC ADR COM 92857w308   225,946 23,834 SH   SOLE   0 0 23,834
Walt Disney Co COM 254687106   687,790 8,486 SH   SOLE   0 0 8,486
Allete, Inc. COM 018522300   1,296,610 24,557 SH   SOLE   0 0 24,557
Alliant Energy Corp. COM 018802108   996,374 20,565 SH   SOLE   0 0 20,565
Ameren Corp. COM 023608102   226,537 3,027 SH   SOLE   0 0 3,027
American States Water Co. COM 029899101   1,910,901 24,287 SH   SOLE   0 0 24,287
Black Hills Corp. COM 092113109   920,687 18,199 SH   SOLE   0 0 18,199
Duke Energy Corp COM 26441c204   301,550 3,417 SH   SOLE   0 0 3,417
Equinor ASA COM 29446m102   416,663 12,707 SH   SOLE   0 0 12,707
National Fuel Gas Co. COM 636180101   1,340,005 25,814 SH   SOLE   0 0 25,814
National Grid PLC ADR COM 636274409   286,416 4,724 SH   SOLE   0 0 4,724
New Jersey Resources Corp. COM 646025106   1,318,484 32,451 SH   SOLE   0 0 32,451
NextEra Energy COM 65339F101   1,031,736 18,009 SH   SOLE   0 0 18,009
Southern Company COM 842587107   444,787 6,872 SH   SOLE   0 0 6,872
Veolia Environment ADR COM 92334n103   212,496 14,726 SH   SOLE   0 0 14,726
Vanguard S&P Mid-Cap 400 Index Fund - ETF COM 921932885   201,689 2,386 SH   SOLE   0 0 2,386
IShares US Real Estate ETF COM 464287739   294,275 3,766 SH   SOLE   0 0 3,766
First TR. Ex. Tr. FD N. American Energy COM 33738d101   409,457 15,498 SH   SOLE   0 0 15,498
First Trust Preferred Secs & Inc ETF COM 33739e108   160,140 10,028 SH   SOLE   0 0 10,028
Vanguard Small Cap Growth ETF COM 922908595   412,511 1,926 SH   SOLE   0 0 1,926
IShares Russell 2000 Index ETF COM 464287655   1,883,901 10,659 SH   SOLE   0 0 10,659
IShares S&P SmallCap 600 Index ETF COM 464287804   4,578,401 48,536 SH   SOLE   0 0 48,536
John Hancock Multifactor Mid Cap ETF COM 47804J206   337,155 7,125 SH   SOLE   0 0 7,125
Schwab Strategic US Small-Cap ETF COM 808524607   877,524 21,186 SH   SOLE   0 0 21,186
Vanguard Index Small Cap ETF COM 922908751   4,933,025 26,091 SH   SOLE   0 0 26,091
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   1,781,219 34,433 SH   SOLE   0 0 34,433
Avantis U.S. Small Cap Value - ETF COM 025072877   396,348 5,085 SH   SOLE   0 0 5,085
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   1,851,633 65,591 SH   SOLE   0 0 65,591
IShares Russell 2000 Value Index ETF COM 464287630   1,089,009 8,034 SH   SOLE   0 0 8,034
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   1,172,627 13,143 SH   SOLE   0 0 13,143
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   1,238,657 29,704 SH   SOLE   0 0 29,704
Vanguard Small Cap Value ETF COM 922908611   643,727 4,036 SH   SOLE   0 0 4,036
Vanguard Mid-Cap Growth ETF COM 922908538   1,143,884 5,873 SH   SOLE   0 0 5,873
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,377,970 14,962 SH   SOLE   0 0 14,962
IShares Russell Midcap Index ETF COM 464287499   2,107,970 30,440 SH   SOLE   0 0 30,440
IShares S&P Midcap 400 Index ETF COM 464287507   2,750,455 11,031 SH   SOLE   0 0 11,031
SPDR S&P MidCap 400 ETF COM 78467y107   1,097,306 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   801,534 11,843 SH   SOLE   0 0 11,843
Vanguard Extended Market ETF COM 922908652   272,327 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   6,259,982 30,061 SH   SOLE   0 0 30,061
IShares Russell Midcap Value Index ETF COM 464287473   763,203 7,315 SH   SOLE   0 0 7,315
IShares S&P MidCap 400/Barra Value ETF COM 464287705   3,234,807 32,050 SH   SOLE   0 0 32,050
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   6,348,013 128,424 SH   SOLE   0 0 128,424
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   836,119 12,528 SH   SOLE   0 0 12,528
Vanguard Mid-Cap Value ETF COM 922908512   1,713,337 13,083 SH   SOLE   0 0 13,083
Capital Group Growth - ETF COM 14020g101   872,056 35,594 SH   SOLE   0 0 35,594
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   2,490,425 23,949 SH   SOLE   0 0 23,949
IShares MSCI USA Momentum Factor ETF COM 46432f396   4,378,897 31,345 SH   SOLE   0 0 31,345
IShares Russell 1000 Growth Index ETF COM 464287614   802,758 3,018 SH   SOLE   0 0 3,018
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   644,678 10,750 SH   SOLE   0 0 10,750
Schwab US Large-Cap Growth ETF COM 808524300   857,005 11,785 SH   SOLE   0 0 11,785
Vanguard Growth ETF COM 922908736   2,340,232 8,594 SH   SOLE   0 0 8,594
Vanguard Mega Cap Growth ETF COM 921910816   339,896 1,498 SH   SOLE   0 0 1,498
Vanguard Russell 1000 Growth ETF COM 92206c680   2,721,448 39,764 SH   SOLE   0 0 39,764
Vanguard S&P 500 Growth ETF COM 921932505   4,698,353 19,034 SH   SOLE   0 0 19,034
iShares Russell Top 200 Growth ETF COM 464289438   1,585,987 10,310 SH   SOLE   0 0 10,310
American Centy ETF TR Avantis US Equity COM 025072885   350,964 4,791 SH   SOLE   0 0 4,791
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   664,262 8,191 SH   SOLE   0 0 8,191
First Trust Capital Strength ETF COM 33733E104   3,461,273 47,009 SH   SOLE   0 0 47,009
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   6,810,063 80,851 SH   SOLE   0 0 80,851
IShares - Russell 200 Index ETF COM 464289446   623,235 6,029 SH   SOLE   0 0 6,029
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,072,243 8,136 SH   SOLE   0 0 8,136
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,064,034 56,149 SH   SOLE   0 0 56,149
IShares Russell 1000 Index Fund ETF COM 464287622   816,531 3,476 SH   SOLE   0 0 3,476
IShares Russell 3000 Index ETF COM 464287689   3,567,829 14,559 SH   SOLE   0 0 14,559
IShares S&P 500 Index ETF COM 464287200   599,824 1,397 SH   SOLE   0 0 1,397
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   3,543,682 77,305 SH   SOLE   0 0 77,305
Invesco S&P 500 GARP - ETF COM 46137V431   5,354,293 58,684 SH   SOLE   0 0 58,684
Invesco S&P 500 Low Volatility ETF COM 46138e354   4,613,334 78,471 SH   SOLE   0 0 78,471
Invesco S&P 500 Quality ETF A COM 46137v241   10,274,039 205,317 SH   SOLE   0 0 205,317
JPMorgan Equity Focus - ETF COM 46654Q781   2,466,022 51,960 SH   SOLE   0 0 51,960
JPMorgan Equity Premium Income ETF COM 46641q332   619,689 11,570 SH   SOLE   0 0 11,570
SPDR S&P 500 ETF COM 78462F103   4,443,798 10,395 SH   SOLE   0 0 10,395
Schwab US Broad Market ETF COM 808524102   3,081,976 61,825 SH   SOLE   0 0 61,825
Schwab US Large-Cap ETF COM 808524201   836,167 16,525 SH   SOLE   0 0 16,525
VanEck Morningstar Wide Moat - ETF COM 92189f643   553,935 7,304 SH   SOLE   0 0 7,304
Vanguard Dividend Appreciation ETF COM 921908844   12,978,736 83,529 SH   SOLE   0 0 83,529
Vanguard ESG US Stock - ETF COM 921910733   655,317 8,712 SH   SOLE   0 0 8,712
Vanguard Large Cap ETF COM 922908637   650,669 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   11,392,376 75,014 SH   SOLE   0 0 75,014
Vanguard Russell 1000 ETF COM 92206c730   6,970,969 35,811 SH   SOLE   0 0 35,811
Vanguard Russell 3000 ETF COM 92206c599   473,964 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   3,109,066 7,917 SH   SOLE   0 0 7,917
Vanguard Total Stock Market ETF COM 922908769   17,702,815 83,343 SH   SOLE   0 0 83,343
WisdomTree US Quality Dividend Gr ETF COM 97717x669   448,239 7,060 SH   SOLE   0 0 7,060
Capital Group Dividend Value - ETF COM 14020w106   317,375 11,990 SH   SOLE   0 0 11,990
Dimensional US Marketwide Value - ETF COM 25434v724   387,012 11,376 SH   SOLE   0 0 11,376
First Trust Morningstar Div Leaders ETF COM 336917109   6,129,933 183,311 SH   SOLE   0 0 183,311
First Trust Rising Dividend Achievers ETF COM 33738r506   3,202,837 69,703 SH   SOLE   0 0 69,703
First Trust Value Line Dividend ETF COM 33734h106   3,418,493 91,428 SH   SOLE   0 0 91,428
FlexShares Quality Dividend ETF COM 33939l860   222,562 3,990 SH   SOLE   0 0 3,990
IShares Core US Value ETF COM 464287663   825,670 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   289,976 1,910 SH   SOLE   0 0 1,910
IShares Select Dividend ETF COM 464287168   1,553,353 14,431 SH   SOLE   0 0 14,431
Invesco S&P 500 Revenue ETF COM 46138g698   570,422 7,300 SH   SOLE   0 0 7,300
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   4,615,306 52,121 SH   SOLE   0 0 52,121
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,306,305 3,900 SH   SOLE   0 0 3,900
SPDR S&P Dividend ETF COM 78464a763   1,844,530 16,038 SH   SOLE   0 0 16,038
SPDR S&P Value ETF COM 78464a508   4,025,491 97,564 SH   SOLE   0 0 97,564
Schwab Fundamental US Broad Market ETF COM 808524789   518,927 9,419 SH   SOLE   0 0 9,419
Schwab US Div Equity ETF COM 808524797   12,466,922 176,186 SH   SOLE   0 0 176,186
T. Rowe Price Dividend Growth ETF COM 87283q404   680,802 21,222 SH   SOLE   0 0 21,222
Vanguard High Dividend Yield ETF COM 921946406   2,181,653 21,116 SH   SOLE   0 0 21,116
Vanguard Russell 1000 Value ETF COM 92206c714   881,712 13,227 SH   SOLE   0 0 13,227
Vanguard S&P 500 Value ETF COM 921932703   476,551 3,205 SH   SOLE   0 0 3,205
Vanguard Value ETF COM 922908744   1,184,267 8,586 SH   SOLE   0 0 8,586
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   462,405 7,520 SH   SOLE   0 0 7,520
Pacer Global Cash Cows Dividend ETF COM 69374h709   680,888 20,925 SH   SOLE   0 0 20,925
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   580,463 9,676 SH   SOLE   0 0 9,676
WisdomTree International Hdgd Div Gr ETF COM 97717x594   998,575 25,776 SH   SOLE   0 0 25,776
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   3,019,710 100,556 SH   SOLE   0 0 100,556
IShares - MSCI ACWI ex US ETF COM 464288240   205,105 4,363 SH   SOLE   0 0 4,363
IShares MSCI EAFE ETF COM 464287465   270,993 3,932 SH   SOLE   0 0 3,932
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,386,278 26,726 SH   SOLE   0 0 26,726
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   499,151 11,417 SH   SOLE   0 0 11,417
Pacer FDS TR Developed Mrkts Int'l CC ETF COM 69374h873   1,262,904 42,280 SH   SOLE   0 0 42,280
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   546,355 19,060 SH   SOLE   0 0 19,060
SPDR S&P Emerging Markets ETF COM 78463x509   487,336 14,517 SH   SOLE   0 0 14,517
Vanguard Emerging Mkts. ETF COM 922042858   678,909 17,315 SH   SOLE   0 0 17,315
First TR Global Tactical Commodity ETF COM 33739h101   274,177 11,424 SH   SOLE   0 0 11,424
SPDR Gold Shares ETF COM 78463v107   736,721 4,297 SH   SOLE   0 0 4,297