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
3M Company COM 88579y101 416 2,160 SH   SOLE   0 0 2,160
ABB Ltd. Sponsored ADR COM 000375204 319 10,479 SH   SOLE   0 0 10,479
Abbott Laboratories COM 002824100 1,814 15,137 SH   SOLE   0 0 15,137
AbbVie, Inc. COM 00287y109 1,984 18,330 SH   SOLE   0 0 18,330
Activision Blizzard, Inc. COM 00507v109 210 2,255 SH   SOLE   0 0 2,255
Adobe Systems, Inc. COM 00724F101 358 753 SH   SOLE   0 0 753
AFLAC, Inc. COM 001055102 995 19,436 SH   SOLE   0 0 19,436
AGNC Investment Corp COM 00123q104 1,118 66,693 SH   SOLE   0 0 66,693
Air Products & Chem COM 009158106 438 1,558 SH   SOLE   0 0 1,558
Alexion Pharmaceuticals Inc. COM 015351109 1,375 8,995 SH   SOLE   0 0 8,995
Alibaba Grp Shs ADR COM 01609W102 1,788 7,885 SH   SOLE   0 0 7,885
Allstate Corp. COM 020002101 2,233 19,434 SH   SOLE   0 0 19,434
Alphabet Inc., Cl. A COM 02079k305 10,851 5,261 SH   SOLE   0 0 5,261
Alphabet Inc., Cl. C COM 02079k107 1,864 901 SH   SOLE   0 0 901
ALPS Sector Dividend Dogs ETF COM 00162q858 293 5,695 SH   SOLE   0 0 5,695
Altria Group, Inc. COM 02209S103 944 18,444 SH   SOLE   0 0 18,444
Amazon.Com Inc. COM 023135106 9,982 3,226 SH   SOLE   0 0 3,226
Ambev SA ADR COM 02319v103 68 24,783 SH   SOLE   0 0 24,783
American Electric Power COM 025537101 506 5,973 SH   SOLE   0 0 5,973
American Express COM 025816109 219 1,550 SH   SOLE   0 0 1,550
American States Water Co. COM 029899101 1,680 22,213 SH   SOLE   0 0 22,213
American Tower Corp. COM 03027x100 690 2,885 SH   SOLE   0 0 2,885
American Water Works Co., Inc. COM 030420103 1,316 8,780 SH   SOLE   0 0 8,780
Amgen, Inc. COM 031162100 398 1,601 SH   SOLE   0 0 1,601
Amyris, Inc. COM 03236m200 200 10,450 SH   SOLE   0 0 10,450
Anheuser Busch Co. COM 03524a108 205 3,260 SH   SOLE   0 0 3,260
Annaly Capital Mgmt Inc. COM 035710409 1,235 143,588 SH   SOLE   0 0 143,588
Anthem, Inc. COM 036752103 578 1,609 SH   SOLE   0 0 1,609
Apartment Income REIT Corp. COM 03750l109 1,180 27,596 SH   SOLE   0 0 27,596
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747 169 27,596 SH   SOLE   0 0 27,596
Apple Inc. COM 037833100 17,788 145,623 SH   SOLE   0 0 145,623
Applied Materials COM 038222105 380 2,842 SH   SOLE   0 0 2,842
Archer Daniels Midland COM 039483102 7,840 137,551 SH   SOLE   0 0 137,551
ASE Technology Holding Co., Ltd. COM 00215w100 77 10,000 SH   SOLE   0 0 10,000
AstraZeneca PLC ADR COM 046353108 480 9,649 SH   SOLE   0 0 9,649
AT&T Inc. COM 00206R102 1,052 34,745 SH   SOLE   0 0 34,745
Autodesk COM 052769106 309 1,115 SH   SOLE   0 0 1,115
Automatic Data Processing COM 053015103 875 4,641 SH   SOLE   0 0 4,641
AutoZone, Inc. COM 053332102 456 325 SH   SOLE   0 0 325
Baidu, Inc. COM 056752108 218 1,000 SH   SOLE   0 0 1,000
Ball Corp. COM 058498106 350 4,129 SH   SOLE   0 0 4,129
Bank of America COM 060505104 306 7,915 SH   SOLE   0 0 7,915
Bank of Montreal COM 063671101 332 3,724 SH   SOLE   0 0 3,724
Baxter International COM 071813109 224 2,655 SH   SOLE   0 0 2,655
BD - Age-Based Moderate 11-12 Years - F COM 10919D241 165 11,413 SH   SOLE   0 0 11,413
BD - Invesco Govt. & Agency Port., F COM 108913591 58 58,483 SH   SOLE   0 0 58,483
BD - Vanguard FTSE Developed Mkts 529F COM 108913815 184 10,308 SH   SOLE   0 0 10,308
Becton Dickinson & Co. COM 075887109 811 3,335 SH   SOLE   0 0 3,335
Berkshire Hathaway, Cl. B COM 084670702 3,343 13,087 SH   SOLE   0 0 13,087
BHP Billiton, Ltd. ADR COM 088606108 334 4,816 SH   SOLE   0 0 4,816
Biogen Idec, Inc. COM 09062x103 338 1,207 SH   SOLE   0 0 1,207
Black Hills Corp. COM 092113109 1,210 18,127 SH   SOLE   0 0 18,127
Blackstone Group Inc. Cl. A COM 09260d107 9,137 122,594 SH   SOLE   0 0 122,594
Boeing Company COM 097023105 338 1,325 SH   SOLE   0 0 1,325
BP Amoco PLC ADR COM 055622104 250 10,255 SH   SOLE   0 0 10,255
Bristol-Myers Squibb COM 110122108 492 7,795 SH   SOLE   0 0 7,795
Broadcom Inc. COM 11135f101 8,988 19,384 SH   SOLE   0 0 19,384
Burlington Stores, Inc. COM 122017106 642 2,150 SH   SOLE   0 0 2,150
Calavo Growers, Inc. COM 128246105 274 3,535 SH   SOLE   0 0 3,535
Calvert US Equity Large-Cap Responsible, I COM 131582751 366 10,128 SH   SOLE   0 0 10,128
Canadian Imperial Bank of Commerce COM 136069101 211 2,158 SH   SOLE   0 0 2,158
Cardinal Health COM 14149y108 1,704 28,048 SH   SOLE   0 0 28,048
Caterpillar Inc. COM 149123101 699 3,016 SH   SOLE   0 0 3,016
Cellectar Biosciences, Inc. COM 15117f500 18 11,000 SH   SOLE   0 0 11,000
Centene Corp. COM 15135b101 524 8,202 SH   SOLE   0 0 8,202
Charles Schwab Corp. COM 808513105 753 11,559 SH   SOLE   0 0 11,559
Charter Communications, Inc. COM 16119p108 6,826 11,063 SH   SOLE   0 0 11,063
Chevron Corp. COM 166764100 311 2,968 SH   SOLE   0 0 2,968
Chipotle Mexican Grill, A COM 169656105 6,220 4,378 SH   SOLE   0 0 4,378
Church & Dwight Co. COM 171340102 304 3,480 SH   SOLE   0 0 3,480
Cisco Systems COM 17275r102 672 12,987 SH   SOLE   0 0 12,987
Citizens Financial Group COM 174610105 1,327 30,059 SH   SOLE   0 0 30,059
Clorox Co. COM 189054109 1,632 8,460 SH   SOLE   0 0 8,460
Coca Cola COM 191216100 2,674 50,723 SH   SOLE   0 0 50,723
Cohen & Steers Infrastructure Fund COM 19248a109 200 7,162 SH   SOLE   0 0 7,162
Colgate Palmolive Co. COM 194162103 552 7,001 SH   SOLE   0 0 7,001
Comcast Corp., Cl. A COM 20030N101 1,112 20,556 SH   SOLE   0 0 20,556
Conagra Brands Inc. COM 205887102 545 14,505 SH   SOLE   0 0 14,505
Constellation Brands, Inc. COM 21036p108 1,173 5,146 SH   SOLE   0 0 5,146
Costco Wholesale Corp. COM 22160K105 7,441 21,110 SH   SOLE   0 0 21,110
Crown Castle Int'l. Corp. COM 22822v101 1,976 11,477 SH   SOLE   0 0 11,477
CSX Corp. COM 126408103 256 2,655 SH   SOLE   0 0 2,655
Cummins Engine Inc. COM 231021106 605 2,334 SH   SOLE   0 0 2,334
CVS Health Corp. COM 126650100 6,936 92,201 SH   SOLE   0 0 92,201
Danaher Corp. COM 235851102 537 2,385 SH   SOLE   0 0 2,385
DaVita HealthCare Partners, Inc. COM 23918k108 3,246 30,123 SH   SOLE   0 0 30,123
Debt Resolve Inc. COM 24276r206 0 100,000 SH   SOLE   0 0 100,000
Deere & Co. COM 244199105 7,019 18,761 SH   SOLE   0 0 18,761
Diageo PLC ADR COM 25243Q205 258 1,569 SH   SOLE   0 0 1,569
Digital Realty Trust Inc. COM 253868103 1,749 12,417 SH   SOLE   0 0 12,417
Discover Financial Services, Inc. COM 254709108 201 2,119 SH   SOLE   0 0 2,119
Dollar Tree, Inc. COM 256746108 246 2,148 SH   SOLE   0 0 2,148
Dominion Resources COM 25746U109 272 3,580 SH   SOLE   0 0 3,580
Dominos Pizza, Inc. COM 25754a201 305 830 SH   SOLE   0 0 830
DTE Energy COM 233331107 1,786 13,412 SH   SOLE   0 0 13,412
Eaton Corp., PLC COM g29183103 397 2,871 SH   SOLE   0 0 2,871
Eaton Vance Municipal Income TR COM 27826u108 201 14,575 SH   SOLE   0 0 14,575
EBay Inc. COM 278642103 205 3,345 SH   SOLE   0 0 3,345
Edwards Lifesciences Corp. COM 28176E108 2,864 34,241 SH   SOLE   0 0 34,241
Emerson Electric Co. COM 291011104 281 3,115 SH   SOLE   0 0 3,115
Enbridge Inc. COM 29250n105 1,591 43,717 SH   SOLE   0 0 43,717
Enersis Americas SA ADR COM 29274f104 130 15,280 SH   SOLE   0 0 15,280
Equinor ASA COM 29446m102 198 10,181 SH   SOLE   0 0 10,181
Essentials Utilities Inc. COM 29670g102 999 22,314 SH   SOLE   0 0 22,314
Estee Lauder Co. COM 518439104 6,179 21,245 SH   SOLE   0 0 21,245
Everest Reinsur. Group, Ltd. COM g3223r108 1,026 4,140 SH   SOLE   0 0 4,140
Eversource Energy Com. COM 30040w108 297 3,431 SH   SOLE   0 0 3,431
Exxon Mobil Corp. COM 30231G102 665 11,910 SH   SOLE   0 0 11,910
Facebook, Inc. COM 30303m102 9,834 33,388 SH   SOLE   0 0 33,388
Fifth Third Bancorp COM 316773100 1,589 42,422 SH   SOLE   0 0 42,422
First Busey Corp. COM 319383204 295 11,512 SH   SOLE   0 0 11,512
First Solar, Inc. COM 336433107 6,839 78,340 SH   SOLE   0 0 78,340
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109 508 6,345 SH   SOLE   0 0 6,345
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805 1,642 31,078 SH   SOLE   0 0 31,078
First Trust Capital Strength ETF COM 33733E104 2,184 30,837 SH   SOLE   0 0 30,837
First Trust Dow Jones Internet ETF COM 33733e302 1,148 5,266 SH   SOLE   0 0 5,266
First Trust ETF Clean Edge Green Energy In COM 33733e500 572 8,338 SH   SOLE   0 0 8,338
First Trust Managed Municipal ETF COM 33739n108 303 5,376 SH   SOLE   0 0 5,376
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108 1,115 11,884 SH   SOLE   0 0 11,884
First Trust Morningstar Div Leaders ETF COM 336917109 4,192 128,119 SH   SOLE   0 0 128,119
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105 2,520 24,400 SH   SOLE   0 0 24,400
First Trust NYSE Arca Biotech ETF COM 33733e203 433 2,695 SH   SOLE   0 0 2,695
First Trust Preferred Secs & Inc ETF COM 33739e108 979 48,604 SH   SOLE   0 0 48,604
First Trust Senior Loan Fund ETF COM 33738d309 555 11,598 SH   SOLE   0 0 11,598
First Trust Value Line Dividend ETF COM 33734h106 3,744 98,585 SH   SOLE   0 0 98,585
Fiserv, Inc. COM 337738108 7,379 61,986 SH   SOLE   0 0 61,986
FlexShares Quality Dividend ETF COM 33939l860 322 6,050 SH   SOLE   0 0 6,050
Gallagher, Arthur J & Co. COM 363576109 409 3,275 SH   SOLE   0 0 3,275
Garmin Ltd. COM h2906t109 2,859 21,687 SH   SOLE   0 0 21,687
General Mills COM 370334104 1,527 24,903 SH   SOLE   0 0 24,903
Genuine Parts Co. COM 372460105 1,906 16,485 SH   SOLE   0 0 16,485
GlaxoSmithKline PLC COM 37733W105 355 9,955 SH   SOLE   0 0 9,955
Global X S&P 500 Catholic Values ETF COM 37954y889 312 6,310 SH   SOLE   0 0 6,310
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206 1,012 25,630 SH   SOLE   0 0 25,630
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107 1,874 56,730 SH   SOLE   0 0 56,730
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503 2,937 37,125 SH   SOLE   0 0 37,125
H&E Equipment Services, Inc. COM 404030108 2,041 53,712 SH   SOLE   0 0 53,712
Hanes Brands, Inc. COM 410345102 1,785 90,752 SH   SOLE   0 0 90,752
HCA Healthcare Co. COM 40412c101 5,152 27,353 SH   SOLE   0 0 27,353
Health Care Select Sector SPDR ETF COM 81369y209 280 2,399 SH   SOLE   0 0 2,399
Hewlett Packard Enterprise Co. COM 42824c109 1,455 92,408 SH   SOLE   0 0 92,408
Hologic, Inc. COM 436440101 1,611 21,660 SH   SOLE   0 0 21,660
Home Depot, Inc. COM 437076102 9,731 31,880 SH   SOLE   0 0 31,880
Honeywell Internat'l. COM 438516106 491 2,263 SH   SOLE   0 0 2,263
Hormel Foods Corp. COM 440452100 260 5,450 SH   SOLE   0 0 5,450
I.B.M. COM 459200101 298 2,238 SH   SOLE   0 0 2,238
Illinois Tool Works COM 452308109 942 4,251 SH   SOLE   0 0 4,251
Industrial Select Sector SPDR ETF COM 81369y704 525 5,333 SH   SOLE   0 0 5,333
Infosys Technologies, Ltd. COM 456788108 382 20,402 SH   SOLE   0 0 20,402
Intel Corp. COM 458140100 659 10,294 SH   SOLE   0 0 10,294
Intercontinental Exchange Group COM 45866f104 8,118 72,690 SH   SOLE   0 0 72,690
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103 3,021 9,465 SH   SOLE   0 0 9,465
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619 1,112 25,210 SH   SOLE   0 0 25,210
Invesco S&P 500 Low Volatility ETF COM 46138e354 1,780 30,611 SH   SOLE   0 0 30,611
Invesco S&P 500 Quality ETF A COM 46137v241 5,537 124,910 SH   SOLE   0 0 124,910
Invesco S&P 500 Revenue ETF COM 46138g698 511 7,350 SH   SOLE   0 0 7,350
Invesco S&P Int'l Dev Low Volatility ETF COM 46138e230 573 18,841 SH   SOLE   0 0 18,841
Iridium Communications Inc. COM 46269c102 219 5,313 SH   SOLE   0 0 5,313
IShares Cohen & Steers REIT ETF COM 464287564 216 3,738 SH   SOLE   0 0 3,738
IShares Core US Value ETF COM 464287663 439 6,375 SH   SOLE   0 0 6,375
IShares Edge MSCI USA Quality Factor ETF COM 46432f339 1,135 9,321 SH   SOLE   0 0 9,321
IShares MSCI EAFE ETF COM 464287465 652 8,592 SH   SOLE   0 0 8,592
IShares MSCI USA Minimum Volatility ETF COM 46429b697 6,015 86,928 SH   SOLE   0 0 86,928
IShares MSCI USA Momentum Factor ETF COM 46432f396 5,060 31,453 SH   SOLE   0 0 31,453
IShares Residential Real Estate Capped ETF COM 464288562 489 6,612 SH   SOLE   0 0 6,612
IShares Russell 1000 Growth Index ETF COM 464287614 528 2,174 SH   SOLE   0 0 2,174
IShares Russell 1000 Index Fund ETF COM 464287622 764 3,415 SH   SOLE   0 0 3,415
IShares Russell 1000 Value Index ETF COM 464287598 266 1,757 SH   SOLE   0 0 1,757
IShares Russell 2000 Index ETF COM 464287655 3,577 16,190 SH   SOLE   0 0 16,190
IShares Russell 2000 Value Index ETF COM 464287630 437 2,741 SH   SOLE   0 0 2,741
IShares Russell 3000 Index ETF COM 464287689 3,768 15,884 SH   SOLE   0 0 15,884
IShares Russell Midcap Growth Index ETF COM 464287481 823 8,068 SH   SOLE   0 0 8,068
IShares Russell Midcap Index ETF COM 464287499 2,057 27,827 SH   SOLE   0 0 27,827
IShares Russell Midcap Value Index ETF COM 464287473 3,079 28,167 SH   SOLE   0 0 28,167
IShares S&P 500 Index ETF COM 464287200 417 1,049 SH   SOLE   0 0 1,049
IShares S&P Midcap 400 Index ETF COM 464287507 2,154 8,277 SH   SOLE   0 0 8,277
IShares S&P MidCap 400/Barra Value ETF COM 464287705 246 2,410 SH   SOLE   0 0 2,410
IShares S&P SmallCap 600 Index ETF COM 464287804 2,424 22,338 SH   SOLE   0 0 22,338
IShares Select Dividend ETF COM 464287168 1,323 11,595 SH   SOLE   0 0 11,595
IShares TR Core 1-5yr Bond ETF COM 46432f859 669 13,035 SH   SOLE   0 0 13,035
IShares TR Edge MSCI USA Value Factor ETF COM 46432f388 451 4,405 SH   SOLE   0 0 4,405
IShares US Healthcare ETF COM 464287762 281 1,115 SH   SOLE   0 0 1,115
IShares US Real Estate ETF COM 464287739 300 3,260 SH   SOLE   0 0 3,260
Isuzu Motors Ltd. COM 465254209 176 16,319 SH   SOLE   0 0 16,319
J.P. Morgan Chase & Co. COM 46625H100 1,166 7,659 SH   SOLE   0 0 7,659
Jabil Circuit, Inc. COM 466313103 2,172 41,650 SH   SOLE   0 0 41,650
Jacobs Engineering Group, Inc. COM 469814107 2,814 21,770 SH   SOLE   0 0 21,770
Johnson & Johnson COM 478160104 2,142 13,036 SH   SOLE   0 0 13,036
JPMorgan Ultra-Short Income ETF COM 46641q837 767 15,120 SH   SOLE   0 0 15,120
Kimberly Clark Corp COM 494368103 1,715 12,332 SH   SOLE   0 0 12,332
Knight-Swift Transportation Holdings, Inc. COM 499049104 653 13,570 SH   SOLE   0 0 13,570
Kraft Heinz Co. COM 500754106 1,488 37,190 SH   SOLE   0 0 37,190
Kronos Worldwide, Inc. COM 50105f105 1,516 99,064 SH   SOLE   0 0 99,064
L3Harris Technologies COM 502431109 491 2,421 SH   SOLE   0 0 2,421
Laboratory Corp. Am. Hldgs. COM 50540r409 391 1,535 SH   SOLE   0 0 1,535
LAM Research Corp. COM 512807108 5,268 8,850 SH   SOLE   0 0 8,850
Leidos Holdings, Inc. COM 525327102 2,533 26,310 SH   SOLE   0 0 26,310
Lilly (Eli) COM 532457108 382 2,043 SH   SOLE   0 0 2,043
Linde PLC COM g5494j103 227 810 SH   SOLE   0 0 810
Lockheed Martin Corp. COM 539830109 1,069 2,893 SH   SOLE   0 0 2,893
Logitech Internat'l. SA COM H50430232 845 8,090 SH   SOLE   0 0 8,090
Lowe's Cos COM 548661107 998 5,247 SH   SOLE   0 0 5,247
Marathon Petroleum Corp. COM 56585a102 255 4,763 SH   SOLE   0 0 4,763
Masco Corp. COM 574599106 392 6,538 SH   SOLE   0 0 6,538
MasterCard, Inc. COM 57636q104 7,962 22,363 SH   SOLE   0 0 22,363
Materials Select Sector SPDR ETF COM 81369y100 477 6,050 SH   SOLE   0 0 6,050
McDonalds Corp. COM 580135101 1,513 6,752 SH   SOLE   0 0 6,752
Medtronic PLC COM G5960L103 249 2,105 SH   SOLE   0 0 2,105
MercadoLibre Inc. COM 58733r102 297 202 SH   SOLE   0 0 202
Merck & Co Inc. COM 58933y105 3,349 43,437 SH   SOLE   0 0 43,437
Meridian Bioscience, Inc. COM 589584101 282 10,760 SH   SOLE   0 0 10,760
Microchip Technology, Inc. COM 595017104 7,811 50,323 SH   SOLE   0 0 50,323
Microport Scientific Corp. COM g60837104 2,816 504,670 SH   SOLE   0 0 504,670
Microsoft Corporation COM 594918104 4,092 17,355 SH   SOLE   0 0 17,355
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104 116 21,490 SH   SOLE   0 0 21,490
Molson Coors Brewing Co., Cl. B COM 60871r209 563 11,000 SH   SOLE   0 0 11,000
Mondelez International, Inc. COM 609207105 773 13,215 SH   SOLE   0 0 13,215
Monster Beverage Corp. COM 61174x109 572 6,280 SH   SOLE   0 0 6,280
Moody's Corp. COM 615369105 293 980 SH   SOLE   0 0 980
Morgan Stanley COM 617446448 254 3,273 SH   SOLE   0 0 3,273
Mosaic Co. COM 61945c103 2,575 81,465 SH   SOLE   0 0 81,465
Mowi ASA ADR COM 624678108 345 13,907 SH   SOLE   0 0 13,907
National Grid PLC ADR COM 636274409 259 4,369 SH   SOLE   0 0 4,369
Nestle SA ADR COM 641069406 241 2,162 SH   SOLE   0 0 2,162
Newell Rubbermaid Inc. COM 651229106 1,736 64,819 SH   SOLE   0 0 64,819
NextEra Energy COM 65339F101 1,056 13,969 SH   SOLE   0 0 13,969
Nike, Inc. COM 654106103 277 2,087 SH   SOLE   0 0 2,087
Norfolk Southern Corp. COM 655844108 352 1,311 SH   SOLE   0 0 1,311
Northrop Grumman COM 666807102 369 1,139 SH   SOLE   0 0 1,139
Novartis AG ADR COM 66987v109 373 4,361 SH   SOLE   0 0 4,361
Novo Nordisk A.S. ADR COM 670100205 356 5,274 SH   SOLE   0 0 5,274
Nucor Corp. COM 670346105 1,923 23,957 SH   SOLE   0 0 23,957
Nvidia Corp. COM 67066g104 8,264 15,478 SH   SOLE   0 0 15,478
Old National Bancorp COM 680033107 221 11,410 SH   SOLE   0 0 11,410
Old Republic Nat'l. Corp. COM 680223104 1,530 70,049 SH   SOLE   0 0 70,049
Ollies Bargain Outlet Holdings, Inc. COM 681116109 492 5,650 SH   SOLE   0 0 5,650
Oracle Corp COM 68389X105 808 11,513 SH   SOLE   0 0 11,513
Orange COM 684060106 184 14,916 SH   SOLE   0 0 14,916
Owens & Minor, Inc. COM 690732102 3,949 105,055 SH   SOLE   0 0 105,055
Packaging Corp. of America COM 695156109 1,139 8,472 SH   SOLE   0 0 8,472
PacWest Bancorp COM 695263103 1,322 34,648 SH   SOLE   0 0 34,648
PayChex Inc. COM 704326107 2,674 27,276 SH   SOLE   0 0 27,276
Paypal Hldgs Inc. COM 70450y103 577 2,377 SH   SOLE   0 0 2,377
PepsiCo Inc COM 713448108 2,198 15,538 SH   SOLE   0 0 15,538
Pfizer, Inc. COM 717081103 2,557 70,576 SH   SOLE   0 0 70,576
Philip Morris Internat'l. COM 718172109 1,268 14,284 SH   SOLE   0 0 14,284
PNC Financial Svcs. COM 693475105 301 1,716 SH   SOLE   0 0 1,716
Procter and Gamble COM 742718109 1,575 11,633 SH   SOLE   0 0 11,633
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467 777 9,008 SH   SOLE   0 0 9,008
Qualcomm Inc. COM 747525103 1,554 11,723 SH   SOLE   0 0 11,723
Quanta Services, Inc. COM 74762e102 4,822 54,810 SH   SOLE   0 0 54,810
Realty Income Corp. COM 756109104 1,670 26,295 SH   SOLE   0 0 26,295
Regions Financial Corp. COM 7591ep100 203 9,826 SH   SOLE   0 0 9,826
Rio Tinto PLC ADR F COM 767204100 266 3,425 SH   SOLE   0 0 3,425
Royal Dutch Shell ADR, A COM 780259206 260 6,624 SH   SOLE   0 0 6,624
RPM Inc. Ohio COM 749685103 2,933 31,929 SH   SOLE   0 0 31,929
S&P Global, Inc. COM 78409v104 1,740 4,931 SH   SOLE   0 0 4,931
Salesforce.com COM 79466l302 6,683 31,542 SH   SOLE   0 0 31,542
Sanofi-Aventis ADR COM 80105n105 281 5,674 SH   SOLE   0 0 5,674
Schwab Fundamental US Broad Market ETF COM 808524789 520 10,133 SH   SOLE   0 0 10,133
Schwab Strategic Emerging Mkts Equity ETF COM 808524706 301 9,480 SH   SOLE   0 0 9,480
Schwab Strategic US Small-Cap ETF COM 808524607 1,030 10,330 SH   SOLE   0 0 10,330
Schwab US Broad Market ETF COM 808524102 2,762 28,560 SH   SOLE   0 0 28,560
Schwab US Div Equity ETF COM 808524797 5,363 73,550 SH   SOLE   0 0 73,550
Schwab US Large-Cap ETF COM 808524201 1,034 10,770 SH   SOLE   0 0 10,770
Schwab US Large-Cap Growth ETF COM 808524300 606 4,670 SH   SOLE   0 0 4,670
Schwab US Mid-Cap ETF COM 808524508 845 11,358 SH   SOLE   0 0 11,358
Seagate Technology COM g7945m107 359 4,673 SH   SOLE   0 0 4,673
ServiceNow, Inc. COM 81762p102 1,938 3,875 SH   SOLE   0 0 3,875
Sherwin Williams Company COM 824348106 8,430 11,422 SH   SOLE   0 0 11,422
Siemens AG ADR COM 826197501 238 2,894 SH   SOLE   0 0 2,894
SK Telecom Ltd. ADR COM 78440p108 237 8,714 SH   SOLE   0 0 8,714
Southern Company COM 842587107 500 8,036 SH   SOLE   0 0 8,036
SPDR Dow Jones Industrial Average ETF COM 78467x109 790 2,392 SH   SOLE   0 0 2,392
SPDR Gold Shares ETF COM 78463v107 429 2,680 SH   SOLE   0 0 2,680
SPDR Nuveen Blmbg Barclays ST Muni Bd ETF COM 78468r739 218 4,400 SH   SOLE   0 0 4,400
SPDR Nuveen Bloomberg Barclays Muni ETF COM 78468r721 264 5,115 SH   SOLE   0 0 5,115
SPDR Portfolio S&P 500 Growth ETF COM 78464a409 403 7,145 SH   SOLE   0 0 7,145
SPDR S&P 500 ETF COM 78462F103 3,296 8,316 SH   SOLE   0 0 8,316
SPDR S&P Dividend ETF COM 78464a763 1,994 16,893 SH   SOLE   0 0 16,893
SPDR S&P MidCap 400 ETF COM 78467y107 985 2,070 SH   SOLE   0 0 2,070
SPDR S&P Value ETF COM 78464a508 2,335 61,600 SH   SOLE   0 0 61,600
Starbucks Corp. COM 855244109 400 3,660 SH   SOLE   0 0 3,660
State Street Corp. COM 857477103 1,208 14,380 SH   SOLE   0 0 14,380
Steel Dynamics Inc. COM 858119100 236 4,648 SH   SOLE   0 0 4,648
Stryker Corporation COM 863667101 260 1,067 SH   SOLE   0 0 1,067
Sun Life Financial, Inc. COM 866796105 278 5,494 SH   SOLE   0 0 5,494
Swiss Re Ltd. COM 870886108 209 8,472 SH   SOLE   0 0 8,472
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100 1,050 8,875 SH   SOLE   0 0 8,875
Target Corp. COM 87612E106 326 1,646 SH   SOLE   0 0 1,646
Technology Select Sector SPDR ETF COM 81369y803 334 2,518 SH   SOLE   0 0 2,518
Thermo Fisher Scientific, Inc. COM 883556102 8,834 19,356 SH   SOLE   0 0 19,356
Timken Co. COM 887389104 2,403 29,609 SH   SOLE   0 0 29,609
Travelers Companies Inc. COM 89417E109 404 2,689 SH   SOLE   0 0 2,689
Truist Financial Corp. COM 89832q109 575 9,855 SH   SOLE   0 0 9,855
UBS Group AG COM h42097107 171 10,990 SH   SOLE   0 0 10,990
Umpqua Holdings Corp. COM 904214103 1,375 78,360 SH   SOLE   0 0 78,360
Unilever PLC ADR COM 904767704 639 11,447 SH   SOLE   0 0 11,447
Union Pacific Corp. COM 907818108 1,004 4,557 SH   SOLE   0 0 4,557
United Rentals, Inc. COM 911363109 11,307 34,335 SH   SOLE   0 0 34,335
UnitedHealth Group COM 91324p102 7,267 19,531 SH   SOLE   0 0 19,531
Vanguard Bd Index - Total Bd Market ETF COM 921937835 443 5,224 SH   SOLE   0 0 5,224
Vanguard Dividend Appreciation ETF COM 921908844 12,235 83,184 SH   SOLE   0 0 83,184
Vanguard Emerging Mkts. ETF COM 922042858 1,039 19,956 SH   SOLE   0 0 19,956
Vanguard Extended Market ETF COM 922908652 336 1,900 SH   SOLE   0 0 1,900
Vanguard FTSE All-World (ex. US) ETF COM 922042775 2,436 40,153 SH   SOLE   0 0 40,153
Vanguard Growth ETF COM 922908736 1,284 4,997 SH   SOLE   0 0 4,997
Vanguard High Dividend Yield ETF COM 921946406 1,855 18,354 SH   SOLE   0 0 18,354
Vanguard Index Small Cap ETF COM 922908751 5,374 25,105 SH   SOLE   0 0 25,105
Vanguard Information Technology ETF COM 92204a702 2,394 6,677 SH   SOLE   0 0 6,677
Vanguard Large Cap ETF COM 922908637 627 3,385 SH   SOLE   0 0 3,385
Vanguard Mega Cap ETF COM 921910873 10,101 72,030 SH   SOLE   0 0 72,030
Vanguard Mega Cap Growth ETF COM 921910816 258 1,248 SH   SOLE   0 0 1,248
Vanguard Mid Cap ETF COM 922908629 5,693 25,720 SH   SOLE   0 0 25,720
Vanguard Mid-Cap Growth ETF COM 922908538 1,222 5,695 SH   SOLE   0 0 5,695
Vanguard REIT ETF COM 922908553 425 4,624 SH   SOLE   0 0 4,624
Vanguard Russell 1000 ETF COM 92206c730 7,085 38,254 SH   SOLE   0 0 38,254
Vanguard Russell 1000 Growth ETF COM 92206c680 1,908 7,631 SH   SOLE   0 0 7,631
Vanguard Russell 1000 Value ETF COM 92206c714 1,206 9,071 SH   SOLE   0 0 9,071
Vanguard Russell 3000 ETF COM 92206c599 393 2,125 SH   SOLE   0 0 2,125
Vanguard S&P 500 ETF COM 922908363 3,213 8,820 SH   SOLE   0 0 8,820
Vanguard S&P 500 Growth ETF COM 921932505 4,705 20,024 SH   SOLE   0 0 20,024
Vanguard S&P 500 Value ETF COM 921932703 289 2,113 SH   SOLE   0 0 2,113
Vanguard Scottsdale FDS Interm.-Term ETF COM 92206c870 260 2,792 SH   SOLE   0 0 2,792
Vanguard Small Cap Growth ETF COM 922908595 610 2,221 SH   SOLE   0 0 2,221
Vanguard Small Cap Value ETF COM 922908611 240 1,448 SH   SOLE   0 0 1,448
Vanguard Tax-Exempt Bond Index Fund ETF COM 922907746 332 6,070 SH   SOLE   0 0 6,070
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858 249 5,062 SH   SOLE   0 0 5,062
Vanguard Total Stock Market ETF COM 922908769 14,988 72,513 SH   SOLE   0 0 72,513
Vanguard Value ETF COM 922908744 602 4,579 SH   SOLE   0 0 4,579
Vanguard World Health Care ETF COM 92204a504 2,270 9,925 SH   SOLE   0 0 9,925
Veolia Environment ADR COM 92334n103 209 8,122 SH   SOLE   0 0 8,122
Verizon Communications COM 92343V104 891 15,330 SH   SOLE   0 0 15,330
Vertex Pharmaceutical COM 92532F100 1,111 5,170 SH   SOLE   0 0 5,170
Virtu Financial Inc COM 928254101 1,188 38,273 SH   SOLE   0 0 38,273
Visa Inc. COM 92826c839 943 4,452 SH   SOLE   0 0 4,452
Vodafone Group PLC ADR COM 92857w308 259 14,040 SH   SOLE   0 0 14,040
W D 40 Co. COM 929236107 456 1,489 SH   SOLE   0 0 1,489
W. P. Carey Inc. COM 92936u109 3,149 44,499 SH   SOLE   0 0 44,499
Walgreen Boots Alliance Inc. COM 931427108 501 9,127 SH   SOLE   0 0 9,127
Wal-Mart Stores COM 931142103 1,023 7,528 SH   SOLE   0 0 7,528
Walt Disney Co COM 254687106 721 3,910 SH   SOLE   0 0 3,910
Waste Management, Inc. COM 94106L109 236 1,831 SH   SOLE   0 0 1,831
Williams Companies COM 969457100 1,903 80,315 SH   SOLE   0 0 80,315
WisdomTree International Hdgd Div Gr ETF COM 97717x594 1,191 28,845 SH   SOLE   0 0 28,845
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307 438 3,820 SH   SOLE   0 0 3,820
WisdomTree US Quality Dividend Gr ETF COM 97717x669 458 8,005 SH   SOLE   0 0 8,005
Workday, Inc. Cl. A COM 98138h101 335 1,350 SH   SOLE   0 0 1,350
XTrackers MSCI EAFE Hedged Equity ETF COM 233051200 437 12,045 SH   SOLE   0 0 12,045
Zebra Technologies Corp. COM 989207105 425 875 SH   SOLE   0 0 875
Zynga Inc., Cl. A COM 98986t108 798 78,200 SH   SOLE   0 0 78,200