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   3,181,498 68,068 SH   SOLE   0 0 68,068
Eaton Vance Municipal Income TR COM 27826u108   181,926 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   325,114 6,257 SH   SOLE   0 0 6,257
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   309,668 5,845 SH   SOLE   0 0 5,845
iShares National Muni Bond ETF COM 464288414   364,454 3,355 SH   SOLE   0 0 3,355
First Trust Senior Loan Fund ETF COM 33738d309   535,284 11,665 SH   SOLE   0 0 11,665
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   270,505 12,808 SH   SOLE   0 0 12,808
JPMorgan Ultra-Short Income ETF COM 46641q837   1,986,270 39,146 SH   SOLE   0 0 39,146
Janus Henderson AAA CLO - ETF COM 47103u845   899,536 17,680 SH   SOLE   0 0 17,680
Vanguard Bd Index - Total Bd Market ETF COM 921937835   285,163 3,797 SH   SOLE   0 0 3,797
AB Ultra Short Income ETF COM 00039j103   669,374 13,165 SH   SOLE   0 0 13,165
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   895,315 19,790 SH   SOLE   0 0 19,790
PIMCO MultiSector Bond Active - ETF COM 72201r585   425,808 15,978 SH   SOLE   0 0 15,978
First Trust Water ETF COM 33733b100   1,598,677 14,622 SH   SOLE   0 0 14,622
IShares U.S. Aerospace & Defense ETF COM 464288760   201,116 1,344 SH   SOLE   0 0 1,344
Amazon.com, Inc. COM 023135106   18,732,314 100,533 SH   SOLE   0 0 100,533
AutoZone, Inc. COM 053332102   236,253 75 SH   SOLE   0 0 75
Best Buy Company, Inc. COM 086516101   2,758,007 26,699 SH   SOLE   0 0 26,699
Booking Holdings, Inc. COM 09857l108   366,454 87 SH   SOLE   0 0 87
Chipotle Mexican Grill, A COM 169656105   13,592,673 235,902 SH   SOLE   0 0 235,902
Dicks Sporting Goods COM 253393102   2,383,980 11,423 SH   SOLE   0 0 11,423
Expedia Group Inc. COM 30212p303   4,562,420 30,823 SH   SOLE   0 0 30,823
Ferrari N V New Com. COM n3167y103   243,538 520 SH   SOLE   0 0 520
Garmin Ltd. COM h2906t109   3,644,349 20,703 SH   SOLE   0 0 20,703
Genuine Parts Co. COM 372460105   1,676,300 12,001 SH   SOLE   0 0 12,001
Grupo Aeroportuario del Pacifico ADR COM 400506101   218,047 1,253 SH   SOLE   0 0 1,253
Hilton Worldwide Holdings, Inc. COM 43300a203   3,319,200 14,400 SH   SOLE   0 0 14,400
Home Depot, Inc. COM 437076102   9,487,521 23,414 SH   SOLE   0 0 23,414
Honda Motor ADR COM 438128308   212,083 6,684 SH   SOLE   0 0 6,684
Isuzu Motors Ltd. COM 465254209   191,989 14,269 SH   SOLE   0 0 14,269
Lowe's Cos COM 548661107   864,012 3,190 SH   SOLE   0 0 3,190
McDonalds Corp. COM 580135101   2,695,786 8,853 SH   SOLE   0 0 8,853
Starbucks Corp. COM 855244109   241,190 2,474 SH   SOLE   0 0 2,474
Tesla Motors Inc. COM 88160r101   1,221,550 4,669 SH   SOLE   0 0 4,669
Unilever PLC ADR COM 904767704   643,429 9,905 SH   SOLE   0 0 9,905
W D 40 Co. COM 929236107   358,195 1,389 SH   SOLE   0 0 1,389
Yum Brands, Inc. COM 988498101   317,964 2,276 SH   SOLE   0 0 2,276
Altria Group, Inc. COM 02209S103   710,273 13,916 SH   SOLE   0 0 13,916
Archer Daniels Midland COM 039483102   7,882,089 131,940 SH   SOLE   0 0 131,940
Cal-Maine Foods, Inc. COM 128030202   2,238,689 29,913 SH   SOLE   0 0 29,913
Caseys General Stores, Inc. COM 147528103   278,401 741 SH   SOLE   0 0 741
Coca Cola COM 191216100   3,713,509 51,677 SH   SOLE   0 0 51,677
Coca Cola European Partners PLC COM g25839104   441,945 5,612 SH   SOLE   0 0 5,612
Colgate Palmolive Co. COM 194162103   592,651 5,709 SH   SOLE   0 0 5,709
Constellation Brands, Inc. COM 21036p108   481,623 1,869 SH   SOLE   0 0 1,869
Costco Wholesale Corp. COM 22160K105   16,055,764 18,111 SH   SOLE   0 0 18,111
General Mills COM 370334104   2,716,517 36,784 SH   SOLE   0 0 36,784
Kimberly Clark Corp COM 494368103   215,554 1,515 SH   SOLE   0 0 1,515
Kitwave Group PLC COM g5282g105   54,821 11,689 SH   SOLE   0 0 11,689
Mondelez International, Inc. COM 609207105   838,365 11,380 SH   SOLE   0 0 11,380
Mowi ASA ADR COM 624678108   254,554 14,205 SH   SOLE   0 0 14,205
PepsiCo Inc COM 713448108   2,814,821 16,553 SH   SOLE   0 0 16,553
Philip Morris Internat'l. COM 718172109   1,596,653 13,152 SH   SOLE   0 0 13,152
Procter and Gamble COM 742718109   2,311,950 13,348 SH   SOLE   0 0 13,348
Target Corp. COM 87612E106   1,724,397 11,064 SH   SOLE   0 0 11,064
Wal-Mart Stores COM 931142103   3,584,170 44,386 SH   SOLE   0 0 44,386
Walgreen Boots Alliance Inc. COM 931427108   115,942 12,940 SH   SOLE   0 0 12,940
BP Amoco PLC ADR COM 055622104   714,248 22,754 SH   SOLE   0 0 22,754
Cheniere Energy, Inc COM 16411r208   6,339,180 35,249 SH   SOLE   0 0 35,249
Chevron Corp. COM 166764100   819,263 5,563 SH   SOLE   0 0 5,563
Civitas Resources, Inc. COM 17888h103   1,120,770 22,119 SH   SOLE   0 0 22,119
ConocoPhillips COM 20825C104   610,660 5,800 SH   SOLE   0 0 5,800
Enbridge Inc. COM 29250n105   2,129,392 52,355 SH   SOLE   0 0 52,355
Energy Select Sector SPDR ETF COM 81369y506   752,270 8,568 SH   SOLE   0 0 8,568
Exxon Mobil Corp. COM 30231G102   1,677,887 14,314 SH   SOLE   0 0 14,314
First TR. Ex. Tr. FD N. American Energy COM 33738d101   570,101 16,967 SH   SOLE   0 0 16,967
Marathon Petroleum Corp. COM 56585a102   666,465 4,091 SH   SOLE   0 0 4,091
Petroleo Brasileiro Petrobras ADR COM 71654v408   183,540 12,737 SH   SOLE   0 0 12,737
Phillips 66 COM 718546104   4,900,907 37,283 SH   SOLE   0 0 37,283
Shell PLC ADR COM 780259305   509,200 7,721 SH   SOLE   0 0 7,721
Williams Companies COM 969457100   2,043,979 44,775 SH   SOLE   0 0 44,775
AFLAC, Inc. COM 001055102   1,504,236 13,455 SH   SOLE   0 0 13,455
AGNC Investment Corp COM 00123q104   1,442,465 137,903 SH   SOLE   0 0 137,903
American Express COM 025816109   753,116 2,777 SH   SOLE   0 0 2,777
Apollo Global Mgmt Inc. Cl. A COM 03769m106   617,305 4,942 SH   SOLE   0 0 4,942
Bank of America COM 060505104   425,925 10,734 SH   SOLE   0 0 10,734
Bank of Montreal COM 063671101   261,941 2,904 SH   SOLE   0 0 2,904
Barings BDC, Inc. COM 06759l103   135,965 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   691,180 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   5,511,614 11,975 SH   SOLE   0 0 11,975
Blackrock, Inc. COM 09290d101   225,983 238 SH   SOLE   0 0 238
Blackstone Group Inc. Cl. A COM 09260d107   15,391,483 100,513 SH   SOLE   0 0 100,513
Capital Southwest Corp. COM 140501107   1,539,453 60,872 SH   SOLE   0 0 60,872
Charles Schwab Corp. COM 808513105   473,550 7,307 SH   SOLE   0 0 7,307
Discover Financial Services, Inc. COM 254709108   285,630 2,036 SH   SOLE   0 0 2,036
Erie Indemnity Company Cl-A COM 29530p102   241,839 448 SH   SOLE   0 0 448
Essent Group Ltd. COM g3198u102   1,596,449 24,832 SH   SOLE   0 0 24,832
Everest Reinsur. Group, Ltd. COM g3223r108   346,770 885 SH   SOLE   0 0 885
Fifth Third Bancorp COM 316773100   601,474 14,040 SH   SOLE   0 0 14,040
First Busey Corp. COM 319383204   9,354,112 359,497 SH   SOLE   0 0 359,497
Gallagher, Arthur J & Co. COM 363576109   444,565 1,580 SH   SOLE   0 0 1,580
Global Payments Inc. COM 37940x102   527,873 5,154 SH   SOLE   0 0 5,154
Goldman Sachs Group COM 38141G104   4,015,342 8,110 SH   SOLE   0 0 8,110
Interactive Brokers Group, Inc. COM 45841n107   6,747,672 48,419 SH   SOLE   0 0 48,419
Intercontinental Exchange Group COM 45866f104   7,548,474 46,990 SH   SOLE   0 0 46,990
J.P. Morgan Chase & Co. COM 46625H100   2,541,706 12,054 SH   SOLE   0 0 12,054
KeyCorp COM 493267108   2,097,150 125,203 SH   SOLE   0 0 125,203
M & T Bank Corp. COM 55261f104   1,646,719 9,245 SH   SOLE   0 0 9,245
MGIC Investment Corp. COM 552848103   1,962,035 76,642 SH   SOLE   0 0 76,642
MasterCard, Inc. COM 57636q104   13,286,183 26,906 SH   SOLE   0 0 26,906
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   190,142 18,678 SH   SOLE   0 0 18,678
Moody's Corp. COM 615369105   507,811 1,070 SH   SOLE   0 0 1,070
Old Republic Nat'l. Corp. COM 680223104   1,785,381 50,406 SH   SOLE   0 0 50,406
PNC Financial Svcs. COM 693475105   203,705 1,102 SH   SOLE   0 0 1,102
Prudential Financial, Inc. COM 744320102   219,312 1,811 SH   SOLE   0 0 1,811
RLI Corp. COM 749607107   264,086 1,704 SH   SOLE   0 0 1,704
Regions Financial Corp. COM 7591ep100   221,495 9,494 SH   SOLE   0 0 9,494
S&P Global, Inc. COM 78409v104   2,017,401 3,905 SH   SOLE   0 0 3,905
Sun Life Financial, Inc. COM 866796105   279,366 4,815 SH   SOLE   0 0 4,815
Swiss Re Ltd. COM 870886108   202,460 5,865 SH   SOLE   0 0 5,865
Travelers Companies Inc. COM 89417E109   610,117 2,606 SH   SOLE   0 0 2,606
Visa Inc. COM 92826c839   1,493,528 5,432 SH   SOLE   0 0 5,432
Wells Fargo & Co. COM 949746101   219,351 3,883 SH   SOLE   0 0 3,883
AbbVie, Inc. COM 00287y109   3,684,187 18,656 SH   SOLE   0 0 18,656
Abbott Laboratories COM 002824100   1,896,784 16,637 SH   SOLE   0 0 16,637
Amerisource Bergen COM 03073E105   523,311 2,325 SH   SOLE   0 0 2,325
Amgen, Inc. COM 031162100   546,146 1,695 SH   SOLE   0 0 1,695
AstraZeneca PLC ADR COM 046353108   2,797,748 35,910 SH   SOLE   0 0 35,910
Becton Dickinson & Co. COM 075887109   617,216 2,560 SH   SOLE   0 0 2,560
Bristol-Myers Squibb COM 110122108   308,991 5,972 SH   SOLE   0 0 5,972
CVS Health Corp. COM 126650100   396,081 6,299 SH   SOLE   0 0 6,299
Cardinal Health COM 14149y108   2,970,557 26,878 SH   SOLE   0 0 26,878
Centene Corp. COM 15135b101   329,802 4,381 SH   SOLE   0 0 4,381
DaVita HealthCare Partners, Inc. COM 23918k108   262,780 1,603 SH   SOLE   0 0 1,603
Danaher Corp. COM 235851102   576,613 2,074 SH   SOLE   0 0 2,074
Elevance Health COM 036752103   447,029 860 SH   SOLE   0 0 860
First Trust NYSE Arca Biotech ETF COM 33733e203   371,369 2,160 SH   SOLE   0 0 2,160
Gilead Sciences Inc. COM 375558103   673,654 8,035 SH   SOLE   0 0 8,035
GlaxoSmithKline PLC COM 37733w204   269,358 6,589 SH   SOLE   0 0 6,589
HCA Healthcare Co. COM 40412c101   12,159,573 29,918 SH   SOLE   0 0 29,918
Health Care Select Sector SPDR ETF COM 81369y209   364,257 2,365 SH   SOLE   0 0 2,365
IShares US Healthcare ETF COM 464287762   657,475 10,115 SH   SOLE   0 0 10,115
Johnson & Johnson COM 478160104   2,127,686 13,129 SH   SOLE   0 0 13,129
Lilly (Eli) COM 532457108   16,005,270 18,066 SH   SOLE   0 0 18,066
Merck & Co Inc. COM 58933y105   4,716,252 41,531 SH   SOLE   0 0 41,531
Microport Scientific Corp. COM g60837104   267,378 283,000 SH   SOLE   0 0 283,000
Novartis AG ADR COM 66987v109   260,405 2,264 SH   SOLE   0 0 2,264
Novo Nordisk A.S. ADR COM 670100205   2,845,892 23,901 SH   SOLE   0 0 23,901
Pfizer, Inc. COM 717081103   1,275,791 44,084 SH   SOLE   0 0 44,084
Regeneron Pharmaceuticals COM 75886f107   3,592,087 3,417 SH   SOLE   0 0 3,417
Stryker Corporation COM 863667101   304,181 842 SH   SOLE   0 0 842
Takeda Pharmaceutical Co. COM 874060205   149,609 10,521 SH   SOLE   0 0 10,521
Thermo Fisher Scientific, Inc. COM 883556102   6,787,569 10,973 SH   SOLE   0 0 10,973
UnitedHealth Group COM 91324p102   13,230,139 22,628 SH   SOLE   0 0 22,628
Universal Health Svcs., Cl. B COM 913903100   5,687,921 24,837 SH   SOLE   0 0 24,837
Vanguard World Health Care ETF COM 92204a504   2,584,105 9,157 SH   SOLE   0 0 9,157
Vertex Pharmaceutical COM 92532F100   418,572 900 SH   SOLE   0 0 900
3M Company COM 88579y101   319,058 2,334 SH   SOLE   0 0 2,334
ABB Ltd. Sponsored ADR COM 000375204   246,565 4,257 SH   SOLE   0 0 4,257
CSX Corp. COM 126408103   260,736 7,551 SH   SOLE   0 0 7,551
Caterpillar Inc. COM 149123101   2,904,058 7,425 SH   SOLE   0 0 7,425
Cummins Engine Inc. COM 231021106   1,098,619 3,393 SH   SOLE   0 0 3,393
Deere & Co. COM 244199105   998,253 2,392 SH   SOLE   0 0 2,392
Delta Airlines Inc. COM 247361702   782,420 15,405 SH   SOLE   0 0 15,405
Eaton Corp., PLC COM g29183103   1,827,229 5,513 SH   SOLE   0 0 5,513
Emerson Electric Co. COM 291011104   354,687 3,243 SH   SOLE   0 0 3,243
Fastenal Company COM 311900104   202,119 2,830 SH   SOLE   0 0 2,830
Fedex Corp. COM 31428X106   211,828 774 SH   SOLE   0 0 774
Frontline, LTD. COM M46528101   295,679 12,940 SH   SOLE   0 0 12,940
General Dynamics COM 369550108   274,700 909 SH   SOLE   0 0 909
General Electric COM 369604301   327,752 1,738 SH   SOLE   0 0 1,738
H&E Equipment Services, Inc. COM 404030108   1,817,273 37,331 SH   SOLE   0 0 37,331
Illinois Tool Works COM 452308109   2,047,709 7,814 SH   SOLE   0 0 7,814
Industrial Select Sector SPDR ETF COM 81369y704   473,092 3,493 SH   SOLE   0 0 3,493
Lockheed Martin Corp. COM 539830109   508,567 870 SH   SOLE   0 0 870
Masco Corp. COM 574599106   548,800 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   342,185 1,377 SH   SOLE   0 0 1,377
Northrop Grumman COM 666807102   328,988 623 SH   SOLE   0 0 623
Owens Corning COM 690742101   11,134,352 63,077 SH   SOLE   0 0 63,077
Quanta Services, Inc. COM 74762e102   4,682,446 15,705 SH   SOLE   0 0 15,705
RPM Inc. Ohio COM 749685103   3,351,110 27,695 SH   SOLE   0 0 27,695
RTX Corp. COM 75513e101   443,688 3,662 SH   SOLE   0 0 3,662
Saia, Inc. COM 78709Y105   428,515 980 SH   SOLE   0 0 980
Snap-on Incorporated COM 833034101   2,325,212 8,026 SH   SOLE   0 0 8,026
Terex Corp. COM 880779103   1,606,877 30,370 SH   SOLE   0 0 30,370
Timken Co. COM 887389104   2,661,120 31,571 SH   SOLE   0 0 31,571
Uber Technologies Inc. COM 90353t100   433,072 5,762 SH   SOLE   0 0 5,762
Union Pacific Corp. COM 907818108   736,236 2,987 SH   SOLE   0 0 2,987
United Parcel Service, Inc. COM 911312106   219,780 1,612 SH   SOLE   0 0 1,612
United Rentals, Inc. COM 911363109   17,164,657 21,198 SH   SOLE   0 0 21,198
Waste Management, Inc. COM 94106L109   675,323 3,253 SH   SOLE   0 0 3,253
American Tower Corp. COM 03027x100   331,165 1,424 SH   SOLE   0 0 1,424
Apple Hospitality REIT, Inc. COM 03784Y200   1,380,337 92,952 SH   SOLE   0 0 92,952
Digital Realty Trust Inc. COM 253868103   3,251,812 20,094 SH   SOLE   0 0 20,094
Essex Property Trust COM 297178105   1,928,797 6,529 SH   SOLE   0 0 6,529
Farmland Partners, Inc. COM 31154r109   330,220 31,600 SH   SOLE   0 0 31,600
IShares Cohen & Steers REIT ETF COM 464287564   367,316 5,573 SH   SOLE   0 0 5,573
IShares Residential Real Estate Capped ETF COM 464288562   420,740 4,737 SH   SOLE   0 0 4,737
Realty Income Corp. COM 756109104   294,142 4,638 SH   SOLE   0 0 4,638
Vanguard REIT ETF COM 922908553   556,025 5,708 SH   SOLE   0 0 5,708
W. P. Carey Inc. COM 92936u109   3,608,841 57,927 SH   SOLE   0 0 57,927
ASML Hldg N V COM n07059210   9,769,023 11,724 SH   SOLE   0 0 11,724
Accenture, Ltd. COM g1151c101   225,167 637 SH   SOLE   0 0 637
Adobe Systems, Inc. COM 00724F101   425,097 821 SH   SOLE   0 0 821
Advanced Micro Devices COM 007903107   994,161 6,059 SH   SOLE   0 0 6,059
Analog Devices Inc. COM 032654105   328,453 1,427 SH   SOLE   0 0 1,427
AppLovin Corporation COM 03831w108   1,095,315 8,390 SH   SOLE   0 0 8,390
Apple Inc. COM 037833100   37,861,194 162,494 SH   SOLE   0 0 162,494
Applied Materials COM 038222105   683,333 3,382 SH   SOLE   0 0 3,382
Arista Networks, Inc. COM 040413106   414,526 1,080 SH   SOLE   0 0 1,080
Autodesk COM 052769106   267,216 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103   1,495,726 5,405 SH   SOLE   0 0 5,405
Avnet Inc. COM 053807103   2,521,505 46,428 SH   SOLE   0 0 46,428
Broadcom Inc. COM 11135f101   20,429,693 118,433 SH   SOLE   0 0 118,433
Cisco Systems COM 17275r102   1,222,623 22,973 SH   SOLE   0 0 22,973
Corning Inc. COM 219350105   2,392,182 52,983 SH   SOLE   0 0 52,983
Crowdstrike Holdings, Inc. COM 22788c105   368,257 1,313 SH   SOLE   0 0 1,313
First Solar, Inc. COM 336433107   444,003 1,780 SH   SOLE   0 0 1,780
Fiserv, Inc. COM 337738108   10,206,276 56,812 SH   SOLE   0 0 56,812
Flextronics Internat'l. Ltd. COM Y2573F102   11,606,161 347,178 SH   SOLE   0 0 347,178
Gen Digital Inc. COM 668771108   6,450,165 235,150 SH   SOLE   0 0 235,150
Hewlett Packard Enterprise Co. COM 42824c109   2,490,146 121,708 SH   SOLE   0 0 121,708
Honeywell Internat'l. COM 438516106   695,786 3,366 SH   SOLE   0 0 3,366
I.B.M. COM 459200101   2,060,245 9,319 SH   SOLE   0 0 9,319
IShares PHLX Semiconductor ETF COM 464287523   245,578 1,065 SH   SOLE   0 0 1,065
IShares US Technology ETF COM 464287721   210,752 1,390 SH   SOLE   0 0 1,390
Infosys Technologies, Ltd. COM 456788108   316,991 14,234 SH   SOLE   0 0 14,234
Intel Corp. COM 458140100   319,152 13,604 SH   SOLE   0 0 13,604
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   6,948,808 14,237 SH   SOLE   0 0 14,237
Jabil Circuit, Inc. COM 466313103   3,478,665 29,030 SH   SOLE   0 0 29,030
LAM Research Corp. COM 512807306   12,411,761 15,209 SH   SOLE   0 0 15,209
Leidos Holdings, Inc. COM 525327102   957,299 5,873 SH   SOLE   0 0 5,873
Logitech Internat'l. SA COM H50430232   433,575 4,832 SH   SOLE   0 0 4,832
MercadoLibre Inc. COM 58733r102   593,016 289 SH   SOLE   0 0 289
Microchip Technology, Inc. COM 595017104   7,466,472 92,994 SH   SOLE   0 0 92,994
Micron Technology, Inc. COM 595112103   1,133,550 10,930 SH   SOLE   0 0 10,930
Microsoft Corporation COM 594918104   24,024,139 55,831 SH   SOLE   0 0 55,831
Motorola Solutions, Inc. COM 620076307   441,087 981 SH   SOLE   0 0 981
NXP Semiconductors NV Com COM n6596x109   7,518,793 31,327 SH   SOLE   0 0 31,327
Nvidia Corp. COM 67066g104   24,737,233 203,699 SH   SOLE   0 0 203,699
Onto Innovations, Inc. COM 683344105   207,560 1,000 SH   SOLE   0 0 1,000
Oracle Corp COM 68389X105   1,707,408 10,020 SH   SOLE   0 0 10,020
Palo Alto Networks, Inc. COM 697435105   1,837,517 5,376 SH   SOLE   0 0 5,376
PayChex Inc. COM 704326107   3,036,854 22,631 SH   SOLE   0 0 22,631
Qualcomm Inc. COM 747525103   358,806 2,110 SH   SOLE   0 0 2,110
Salesforce.com COM 79466l302   3,906,937 14,274 SH   SOLE   0 0 14,274
Seagate Technology Holdings PLC COM g7997r103   406,247 3,709 SH   SOLE   0 0 3,709
ServiceNow, Inc. COM 81762p102   326,452 365 SH   SOLE   0 0 365
Siemens AG ADR COM 826197501   247,067 2,445 SH   SOLE   0 0 2,445
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   1,716,728 9,885 SH   SOLE   0 0 9,885
Technology Select Sector SPDR ETF COM 81369y803   568,464 2,518 SH   SOLE   0 0 2,518
United Microelectronics ADR COM 910873405   219,004 26,010 SH   SOLE   0 0 26,010
Vanguard Information Technology ETF COM 92204a702   3,043,500 5,189 SH   SOLE   0 0 5,189
Air Products & Chem COM 009158106   438,273 1,472 SH   SOLE   0 0 1,472
Amyris, Inc. COM 032esc014   21 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108   233,596 3,761 SH   SOLE   0 0 3,761
Ball Corp. COM 058498106   260,367 3,834 SH   SOLE   0 0 3,834
Corteva Inc. COM 22052l104   298,300 5,074 SH   SOLE   0 0 5,074
Dow Inc. COM 260557103   297,515 5,446 SH   SOLE   0 0 5,446
Graphic Packaging Holding Company COM 388689101   2,155,632 72,850 SH   SOLE   0 0 72,850
International Paper COM 460146103   1,758,942 36,007 SH   SOLE   0 0 36,007
Linde PLC COM g54950103   739,133 1,550 SH   SOLE   0 0 1,550
Materials Select Sector SPDR ETF COM 81369y100   373,280 3,873 SH   SOLE   0 0 3,873
Nucor Corp. COM 670346105   2,826,542 18,801 SH   SOLE   0 0 18,801
Rio Tinto PLC ADR F COM 767204100   685,225 9,628 SH   SOLE   0 0 9,628
Sherwin Williams Company COM 824348106   4,494,164 11,775 SH   SOLE   0 0 11,775
Sprott Physical Gold Trust COM 85207H104   493,094 24,195 SH   SOLE   0 0 24,195
AT&T Inc. COM 00206R102   570,769 25,944 SH   SOLE   0 0 25,944
Alphabet Inc., Cl. A COM 02079k305   17,479,429 105,393 SH   SOLE   0 0 105,393
Alphabet Inc., Cl. C COM 02079k107   3,050,887 18,248 SH   SOLE   0 0 18,248
Comcast Corp., Cl. A COM 20030N101   224,096 5,365 SH   SOLE   0 0 5,365
Meta Platforms, Inc. COM 30303m102   14,187,925 24,785 SH   SOLE   0 0 24,785
Netflix Inc. COM 64110L106   650,401 917 SH   SOLE   0 0 917
Omnicom Group COM 681919106   2,380,865 23,028 SH   SOLE   0 0 23,028
T-Mobile US Inc. COM 872590104   4,750,407 23,020 SH   SOLE   0 0 23,020
Verizon Communications COM 92343V104   365,253 8,133 SH   SOLE   0 0 8,133
Vodafone Group PLC ADR COM 92857w308   172,715 17,237 SH   SOLE   0 0 17,237
Walt Disney Co COM 254687106   578,775 6,017 SH   SOLE   0 0 6,017
Allete, Inc. COM 018522300   2,181,305 33,982 SH   SOLE   0 0 33,982
Alliant Energy Corp. COM 018802108   1,631,469 26,882 SH   SOLE   0 0 26,882
Ameren Corp. COM 023608102   430,072 4,917 SH   SOLE   0 0 4,917
American Electric Power COM 025537101   214,024 2,086 SH   SOLE   0 0 2,086
American States Water Co. COM 029899101   2,219,845 26,652 SH   SOLE   0 0 26,652
Black Hills Corp. COM 092113109   1,112,323 18,199 SH   SOLE   0 0 18,199
Duke Energy Corp COM 26441c204   252,455 2,190 SH   SOLE   0 0 2,190
Edison International COM 281020107   219,902 2,525 SH   SOLE   0 0 2,525
Equinor ASA COM 29446m102   253,325 10,001 SH   SOLE   0 0 10,001
Eversource Energy Com. COM 30040w108   262,945 3,864 SH   SOLE   0 0 3,864
National Fuel Gas Co. COM 636180101   1,893,032 31,233 SH   SOLE   0 0 31,233
National Grid PLC ADR COM 636274409   267,742 3,843 SH   SOLE   0 0 3,843
NextEra Energy COM 65339F101   1,334,222 15,784 SH   SOLE   0 0 15,784
Southern Company COM 842587107   460,910 5,111 SH   SOLE   0 0 5,111
Veolia Environment ADR COM 92334n103   282,409 17,150 SH   SOLE   0 0 17,150
Vanguard S&P Mid-Cap 400 Index Fund - ETF COM 921932885   252,033 2,386 SH   SOLE   0 0 2,386
IShares US Real Estate ETF COM 464287739   332,096 3,260 SH   SOLE   0 0 3,260
First Trust Preferred Secs & Inc ETF COM 33739e108   186,466 10,302 SH   SOLE   0 0 10,302
Vanguard Small Cap Growth ETF COM 922908595   678,591 2,538 SH   SOLE   0 0 2,538
IShares Russell 2000 Index ETF COM 464287655   2,997,621 13,571 SH   SOLE   0 0 13,571
IShares S&P SmallCap 600 Index ETF COM 464287804   6,382,634 54,571 SH   SOLE   0 0 54,571
JPMorgan Market Expansion Enh Eq - ETF COM 46641q118   570,281 9,355 SH   SOLE   0 0 9,355
John Hancock Multifactor Mid Cap ETF COM 47804J206   584,542 9,710 SH   SOLE   0 0 9,710
Schwab Fundamental US Small Company ETF COM 808524763   326,741 5,485 SH   SOLE   0 0 5,485
Schwab Strategic US Small-Cap ETF COM 808524607   978,683 19,004 SH   SOLE   0 0 19,004
Vanguard Index Small Cap ETF COM 922908751   6,304,307 26,577 SH   SOLE   0 0 26,577
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   3,417,941 51,514 SH   SOLE   0 0 51,514
Avantis U.S. Small Cap Value - ETF COM 025072877   2,216,867 23,104 SH   SOLE   0 0 23,104
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   2,829,155 77,767 SH   SOLE   0 0 77,767
IShares Russell 2000 Value Index ETF COM 464287630   1,379,157 8,267 SH   SOLE   0 0 8,267
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   580,989 5,397 SH   SOLE   0 0 5,397
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   4,136,316 88,915 SH   SOLE   0 0 88,915
Vanguard Small Cap Value ETF COM 922908611   711,442 3,543 SH   SOLE   0 0 3,543
IShares Russell Midcap Growth Index ETF COM 464287481   244,902 2,088 SH   SOLE   0 0 2,088
Vanguard Mid-Cap Growth ETF COM 922908538   1,300,707 5,342 SH   SOLE   0 0 5,342
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,711,742 14,612 SH   SOLE   0 0 14,612
IShares Russell Midcap Index ETF COM 464287499   2,631,067 29,851 SH   SOLE   0 0 29,851
IShares S&P Midcap 400 Index ETF COM 464287507   4,039,281 64,815 SH   SOLE   0 0 64,815
SPDR S&P MidCap 400 ETF COM 78467y107   1,368,893 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   724,379 8,718 SH   SOLE   0 0 8,718
Vanguard Extended Market ETF COM 922908652   345,781 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   8,990,382 34,076 SH   SOLE   0 0 34,076
IShares Russell Midcap Value Index ETF COM 464287473   846,841 6,403 SH   SOLE   0 0 6,403
IShares S&P MidCap 400/Barra Value ETF COM 464287705   1,064,863 8,614 SH   SOLE   0 0 8,614
Pacer FDS TR Cash Cows - ETF COM 69374h659   323,123 8,070 SH   SOLE   0 0 8,070
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   11,330,991 195,936 SH   SOLE   0 0 195,936
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   919,192 11,240 SH   SOLE   0 0 11,240
Vanguard Mid-Cap Value ETF COM 922908512   1,256,404 7,493 SH   SOLE   0 0 7,493
American Century U.S. Quality Growth - ETF COM 025072307   301,553 3,312 SH   SOLE   0 0 3,312
Capital Group Growth - ETF COM 14020g101   4,061,952 116,756 SH   SOLE   0 0 116,756
FT CBOE Vest Fund of Buffer - ETF COM 33740f755   974,371 32,599 SH   SOLE   0 0 32,599
First Trust Dow Jones Internet ETF COM 33733e302   223,692 1,056 SH   SOLE   0 0 1,056
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   3,246,512 25,879 SH   SOLE   0 0 25,879
IShares MSCI USA Momentum Factor ETF COM 46432f396   5,460,595 26,931 SH   SOLE   0 0 26,931
IShares Russell 1000 Growth Index ETF COM 464287614   1,039,803 2,770 SH   SOLE   0 0 2,770
IShares S&P 500 Barra Growth Index ETF COM 464287309   335,795 3,507 SH   SOLE   0 0 3,507
JPMorgan Active Growth ETF COM 46654q609   325,583 4,235 SH   SOLE   0 0 4,235
JPMorgan Nasdaq Equity Premium Inc ETF COM 46654q203   407,260 7,414 SH   SOLE   0 0 7,414
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   891,991 10,795 SH   SOLE   0 0 10,795
SPDR Portfolio S&P 500 Growth ETF COM 78464a409   266,026 3,207 SH   SOLE   0 0 3,207
Schwab US Large-Cap Growth ETF COM 808524300   1,024,610 9,835 SH   SOLE   0 0 9,835
Vanguard Growth ETF COM 922908736   3,594,015 9,361 SH   SOLE   0 0 9,361
Vanguard Mega Cap Growth ETF COM 921910816   482,281 1,498 SH   SOLE   0 0 1,498
Vanguard Russell 1000 Growth ETF COM 92206c680   4,492,283 46,543 SH   SOLE   0 0 46,543
Vanguard S&P 500 Growth ETF COM 921932505   6,905,479 19,999 SH   SOLE   0 0 19,999
iShares Russell Top 200 Growth ETF COM 464289438   4,164,156 18,924 SH   SOLE   0 0 18,924
American Centy ETF TR Avantis US Equity COM 025072885   1,373,052 14,430 SH   SOLE   0 0 14,430
Capital Group Core Equity - ETF COM 14020v108   677,821 19,773 SH   SOLE   0 0 19,773
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   833,392 8,000 SH   SOLE   0 0 8,000
First Trust Capital Strength ETF COM 33733E104   2,906,424 32,009 SH   SOLE   0 0 32,009
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   10,202,970 90,340 SH   SOLE   0 0 90,340
IShares - Russell 200 Index ETF COM 464289446   823,723 5,865 SH   SOLE   0 0 5,865
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,458,785 8,136 SH   SOLE   0 0 8,136
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,314,995 47,257 SH   SOLE   0 0 47,257
IShares Russell 1000 Index Fund ETF COM 464287622   1,022,705 3,253 SH   SOLE   0 0 3,253
IShares Russell 3000 Index ETF COM 464287689   4,756,862 14,559 SH   SOLE   0 0 14,559
IShares S&P 500 Index ETF COM 464287200   1,162,342 2,015 SH   SOLE   0 0 2,015
IShares Tr. S&P 1500 Index ETF COM 464287150   253,892 2,021 SH   SOLE   0 0 2,021
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   4,789,032 90,376 SH   SOLE   0 0 90,376
Invesco S&P 500 GARP - ETF COM 46137V431   6,211,178 59,341 SH   SOLE   0 0 59,341
Invesco S&P 500 Low Volatility ETF COM 46138e354   4,451,593 62,060 SH   SOLE   0 0 62,060
Invesco S&P 500 Quality ETF A COM 46137v241   15,265,212 226,925 SH   SOLE   0 0 226,925
JPMorgan Equity Focus - ETF COM 46654Q781   6,090,996 92,950 SH   SOLE   0 0 92,950
JPMorgan Equity Premium Income ETF COM 46641q332   1,001,013 16,821 SH   SOLE   0 0 16,821
SPDR S&P 500 ETF COM 78462F103   7,165,552 12,489 SH   SOLE   0 0 12,489
Schwab US Broad Market ETF COM 808524102   4,094,781 61,557 SH   SOLE   0 0 61,557
Schwab US Large-Cap ETF COM 808524201   1,071,880 15,798 SH   SOLE   0 0 15,798
T. Rowe Price US Equity Research ETF COM 87283q503   247,823 6,863 SH   SOLE   0 0 6,863
VanEck Morningstar Wide Moat - ETF COM 92189f643   1,484,111 15,308 SH   SOLE   0 0 15,308
Vanguard Dividend Appreciation ETF COM 921908844   14,543,821 73,431 SH   SOLE   0 0 73,431
Vanguard ESG US Stock - ETF COM 921910733   805,271 7,922 SH   SOLE   0 0 7,922
Vanguard Large Cap ETF COM 922908637   875,439 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   14,887,712 72,047 SH   SOLE   0 0 72,047
Vanguard Russell 1000 ETF COM 92206c730   8,565,692 32,936 SH   SOLE   0 0 32,936
Vanguard Russell 3000 ETF COM 92206c599   630,370 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   7,748,414 14,684 SH   SOLE   0 0 14,684
Vanguard Total Stock Market ETF COM 922908769   29,631,269 104,645 SH   SOLE   0 0 104,645
WisdomTree US Quality Dividend Gr ETF COM 97717x669   309,957 3,725 SH   SOLE   0 0 3,725
Capital Group Dividend Value - ETF COM 14020w106   1,816,536 49,850 SH   SOLE   0 0 49,850
Dimensional US Marketwide Value - ETF COM 25434v724   390,844 9,375 SH   SOLE   0 0 9,375
First Trust Morningstar Div Leaders ETF COM 336917109   6,080,479 144,946 SH   SOLE   0 0 144,946
First Trust Rising Dividend Achievers ETF COM 33738r506   4,707,086 79,498 SH   SOLE   0 0 79,498
First Trust Value Line Dividend ETF COM 33734h106   3,565,856 78,388 SH   SOLE   0 0 78,388
FlexShares Quality Dividend ETF COM 33939l860   206,166 2,875 SH   SOLE   0 0 2,875
IShares Core US Value ETF COM 464287663   1,056,597 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   362,518 1,910 SH   SOLE   0 0 1,910
IShares Select Dividend ETF COM 464287168   1,955,003 14,474 SH   SOLE   0 0 14,474
Invesco S&P 500 High Div/Low Volat. ETF COM 46138e362   248,299 4,910 SH   SOLE   0 0 4,910
Invesco S&P 500 Revenue ETF COM 46138g698   662,407 6,754 SH   SOLE   0 0 6,754
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   5,477,033 51,302 SH   SOLE   0 0 51,302
Putnam Focased Large Cap Value ETF COM 746729300   208,039 5,483 SH   SOLE   0 0 5,483
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,545,657 3,653 SH   SOLE   0 0 3,653
SPDR S&P Dividend ETF COM 78464a763   2,297,656 16,176 SH   SOLE   0 0 16,176
SPDR S&P Value ETF COM 78464a508   5,273,176 99,757 SH   SOLE   0 0 99,757
Schwab Fundamental US Broad Market ETF COM 808524789   801,155 11,385 SH   SOLE   0 0 11,385
Schwab US Div Equity ETF COM 808524797   15,679,644 185,492 SH   SOLE   0 0 185,492
T. Rowe Price Dividend Growth ETF COM 87283q404   976,773 23,847 SH   SOLE   0 0 23,847
Vanguard High Dividend Yield ETF COM 921946406   2,588,139 20,188 SH   SOLE   0 0 20,188
Vanguard Russell 1000 Value ETF COM 92206c714   1,122,353 13,469 SH   SOLE   0 0 13,469
Vanguard S&P 500 Value ETF COM 921932703   668,283 3,504 SH   SOLE   0 0 3,504
Vanguard Value ETF COM 922908744   1,218,572 6,980 SH   SOLE   0 0 6,980
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   657,861 8,374 SH   SOLE   0 0 8,374
Global X S&P 500 Catholic Values ETF COM 37954y889   201,231 2,900 SH   SOLE   0 0 2,900
Pacer Global Cash Cows Dividend ETF COM 69374h709   625,141 17,132 SH   SOLE   0 0 17,132
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   781,208 10,756 SH   SOLE   0 0 10,756
Avantis Emerging Markets Equity - ETF COM 025072604   715,122 11,070 SH   SOLE   0 0 11,070
WisdomTree International Hdgd Div Gr ETF COM 97717x594   1,135,745 24,852 SH   SOLE   0 0 24,852
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   3,714,241 102,688 SH   SOLE   0 0 102,688
IShares MSCI EAFE ETF COM 464287465   327,835 3,920 SH   SOLE   0 0 3,920
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,353,177 21,479 SH   SOLE   0 0 21,479
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   603,883 11,435 SH   SOLE   0 0 11,435
Pacer FDS TR Developed Mrkts Int'l CC ETF COM 69374h873   1,703,488 53,857 SH   SOLE   0 0 53,857
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   254,021 7,235 SH   SOLE   0 0 7,235
SPDR S&P Emerging Markets ETF COM 78463x509   982,547 23,802 SH   SOLE   0 0 23,802
Vanguard Emerging Mkts. ETF COM 922042858   655,919 13,708 SH   SOLE   0 0 13,708
First TR Global Tactical Commodity ETF COM 33739h101   371,175 15,668 SH   SOLE   0 0 15,668
Ishares Bitcoin Trust COM 46438f101   354,941 9,824 SH   SOLE   0 0 9,824
SPDR Gold Shares ETF COM 78463v107   1,044,915 4,299 SH   SOLE   0 0 4,299