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   3,060,092 68,108 SH   SOLE   0 0 68,108
Eaton Vance Municipal Income TR COM 27826u108   171,644 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108   318,921 6,246 SH   SOLE   0 0 6,246
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   200,171 3,845 SH   SOLE   0 0 3,845
iShares National Muni Bond ETF COM 464288414   357,475 3,355 SH   SOLE   0 0 3,355
First Trust Senior Loan Fund ETF COM 33738d309   540,106 11,816 SH   SOLE   0 0 11,816
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841   375,352 17,823 SH   SOLE   0 0 17,823
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825   266,423 13,028 SH   SOLE   0 0 13,028
JPMorgan Ultra-Short Income ETF COM 46641q837   2,043,278 40,485 SH   SOLE   0 0 40,485
Janus Henderson AAA CLO - ETF COM 47103u845   547,878 10,768 SH   SOLE   0 0 10,768
Vanguard Bd Index - Total Bd Market ETF COM 921937835   273,417 3,795 SH   SOLE   0 0 3,795
AB Ultra Short Income ETF COM 00039j103   223,024 4,415 SH   SOLE   0 0 4,415
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   868,534 20,175 SH   SOLE   0 0 20,175
First Trust Water ETF COM 33733b100   1,483,312 14,836 SH   SOLE   0 0 14,836
Amazon.com, Inc. COM 023135106   19,635,939 101,609 SH   SOLE   0 0 101,609
AutoZone, Inc. COM 053332102   222,308 75 SH   SOLE   0 0 75
Best Buy Company, Inc. COM 086516101   2,430,671 28,837 SH   SOLE   0 0 28,837
Booking Holdings, Inc. COM 09857l108   344,651 87 SH   SOLE   0 0 87
Chipotle Mexican Grill, A COM 169656105   14,885,640 237,600 SH   SOLE   0 0 237,600
Dicks Sporting Goods COM 253393102   2,797,132 13,019 SH   SOLE   0 0 13,019
Expedia Group Inc. COM 30212p303   3,322,860 26,374 SH   SOLE   0 0 26,374
Ferrari N V New Com. COM n3167y103   212,138 520 SH   SOLE   0 0 520
Garmin Ltd. COM h2906t109   3,863,485 23,714 SH   SOLE   0 0 23,714
Genuine Parts Co. COM 372460105   1,774,092 12,826 SH   SOLE   0 0 12,826
Hilton Worldwide Holdings, Inc. COM 43300a203   3,181,356 14,580 SH   SOLE   0 0 14,580
Home Depot, Inc. COM 437076102   8,609,103 25,009 SH   SOLE   0 0 25,009
Isuzu Motors Ltd. COM 465254209   152,706 11,473 SH   SOLE   0 0 11,473
Lowe's Cos COM 548661107   725,313 3,290 SH   SOLE   0 0 3,290
McDonalds Corp. COM 580135101   2,258,613 8,863 SH   SOLE   0 0 8,863
Tesla Motors Inc. COM 88160r101   882,941 4,462 SH   SOLE   0 0 4,462
Unilever PLC ADR COM 904767704   561,448 10,210 SH   SOLE   0 0 10,210
W D 40 Co. COM 929236107   305,080 1,389 SH   SOLE   0 0 1,389
Yum Brands, Inc. COM 988498101   300,545 2,269 SH   SOLE   0 0 2,269
Altria Group, Inc. COM 02209S103   647,539 14,216 SH   SOLE   0 0 14,216
Archer Daniels Midland COM 039483102   7,975,161 131,930 SH   SOLE   0 0 131,930
Cal-Maine Foods, Inc. COM 128030202   1,727,030 28,261 SH   SOLE   0 0 28,261
Caseys General Stores, Inc. COM 147528103   206,424 541 SH   SOLE   0 0 541
Coca Cola COM 191216100   3,413,359 53,627 SH   SOLE   0 0 53,627
Coca Cola European Partners PLC COM g25839104   415,869 5,707 SH   SOLE   0 0 5,707
Colgate Palmolive Co. COM 194162103   559,047 5,761 SH   SOLE   0 0 5,761
Constellation Brands, Inc. COM 21036p108   528,710 2,055 SH   SOLE   0 0 2,055
Costco Wholesale Corp. COM 22160K105   15,636,416 18,396 SH   SOLE   0 0 18,396
General Mills COM 370334104   1,992,959 31,504 SH   SOLE   0 0 31,504
Kimberly Clark Corp COM 494368103   209,373 1,515 SH   SOLE   0 0 1,515
Mondelez International, Inc. COM 609207105   749,288 11,450 SH   SOLE   0 0 11,450
Mowi ASA ADR COM 624678108   208,205 12,550 SH   SOLE   0 0 12,550
PepsiCo Inc COM 713448108   2,922,205 17,718 SH   SOLE   0 0 17,718
Philip Morris Internat'l. COM 718172109   1,388,137 13,699 SH   SOLE   0 0 13,699
Procter and Gamble COM 742718109   2,227,908 13,509 SH   SOLE   0 0 13,509
Target Corp. COM 87612E106   1,817,691 12,278 SH   SOLE   0 0 12,278
Wal-Mart Stores COM 931142103   3,711,253 54,811 SH   SOLE   0 0 54,811
BP Amoco PLC ADR COM 055622104   911,272 25,243 SH   SOLE   0 0 25,243
Cheniere Energy, Inc COM 16411r208   6,187,758 35,393 SH   SOLE   0 0 35,393
Chevron Corp. COM 166764100   1,005,273 6,427 SH   SOLE   0 0 6,427
Civitas Resources, Inc. COM 17888h103   1,566,438 22,702 SH   SOLE   0 0 22,702
ConocoPhillips COM 20825C104   663,443 5,800 SH   SOLE   0 0 5,800
Enbridge Inc. COM 29250n105   1,912,400 53,761 SH   SOLE   0 0 53,761
Energy Select Sector SPDR ETF COM 81369y506   710,788 7,798 SH   SOLE   0 0 7,798
Exxon Mobil Corp. COM 30231G102   1,660,491 14,424 SH   SOLE   0 0 14,424
First TR. Ex. Tr. FD N. American Energy COM 33738d101   484,103 15,893 SH   SOLE   0 0 15,893
Marathon Petroleum Corp. COM 56585a102   704,849 4,063 SH   SOLE   0 0 4,063
Petroleo Brasileiro Petrobras ADR COM 71654v408   219,741 15,165 SH   SOLE   0 0 15,165
Phillips 66 COM 718546104   5,700,788 40,382 SH   SOLE   0 0 40,382
Shell PLC ADR COM 780259305   585,452 8,111 SH   SOLE   0 0 8,111
Total Energies SE COM 89151e109   217,910 3,268 SH   SOLE   0 0 3,268
Valero Energy COM 91913Y100   218,053 1,391 SH   SOLE   0 0 1,391
Williams Companies COM 969457100   2,643,840 62,208 SH   SOLE   0 0 62,208
AFLAC, Inc. COM 001055102   1,201,463 13,453 SH   SOLE   0 0 13,453
AGNC Investment Corp COM 00123q104   1,331,536 139,574 SH   SOLE   0 0 139,574
American Express COM 025816109   712,937 3,079 SH   SOLE   0 0 3,079
Apollo Global Mgmt Inc. Cl. A COM 03769m106   1,075,027 9,105 SH   SOLE   0 0 9,105
BB Seguridade Participacoes ADR COM 05541j103   162,885 27,284 SH   SOLE   0 0 27,284
Bank of America COM 060505104   443,992 11,164 SH   SOLE   0 0 11,164
Bank of Montreal COM 063671101   269,075 3,209 SH   SOLE   0 0 3,209
Barings BDC, Inc. COM 06759l103   134,994 13,874 SH   SOLE   0 0 13,874
Berkshire Hathaway, Cl. A COM 084670108   612,241 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   5,554,854 13,655 SH   SOLE   0 0 13,655
Blackstone Group Inc. Cl. A COM 09260d107   12,265,950 99,079 SH   SOLE   0 0 99,079
Capital Southwest Corp. COM 140501107   1,690,058 64,778 SH   SOLE   0 0 64,778
Charles Schwab Corp. COM 808513105   538,344 7,306 SH   SOLE   0 0 7,306
Discover Financial Services, Inc. COM 254709108   266,329 2,036 SH   SOLE   0 0 2,036
Essent Group Ltd. COM g3198u102   1,549,102 27,569 SH   SOLE   0 0 27,569
Everest Reinsur. Group, Ltd. COM g3223r108   459,129 1,205 SH   SOLE   0 0 1,205
Fifth Third Bancorp COM 316773100   512,320 14,040 SH   SOLE   0 0 14,040
First Busey Corp. COM 319383204   9,082,648 375,161 SH   SOLE   0 0 375,161
Fiserv, Inc. COM 337738108   8,489,616 56,962 SH   SOLE   0 0 56,962
Gallagher, Arthur J & Co. COM 363576109   409,710 1,580 SH   SOLE   0 0 1,580
Global Payments Inc. COM 37940x102   3,794,315 39,238 SH   SOLE   0 0 39,238
Interactive Brokers Group, Inc. COM 45841n107   6,303,479 51,415 SH   SOLE   0 0 51,415
Intercontinental Exchange Group COM 45866f104   6,684,339 48,830 SH   SOLE   0 0 48,830
J.P. Morgan Chase & Co. COM 46625H100   2,491,843 12,320 SH   SOLE   0 0 12,320
KeyCorp COM 493267108   1,944,866 136,866 SH   SOLE   0 0 136,866
M & T Bank Corp. COM 55261f104   1,626,060 10,743 SH   SOLE   0 0 10,743
MGIC Investment Corp. COM 552848103   1,943,702 90,195 SH   SOLE   0 0 90,195
MasterCard, Inc. COM 57636q104   12,326,893 27,942 SH   SOLE   0 0 27,942
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   279,785 25,906 SH   SOLE   0 0 25,906
Moody's Corp. COM 615369105   454,604 1,080 SH   SOLE   0 0 1,080
Old Republic Nat'l. Corp. COM 680223104   2,630,950 85,144 SH   SOLE   0 0 85,144
Ping An Insurance Company of China ADR COM 72341e304   100,840 11,118 SH   SOLE   0 0 11,118
Prudential Financial, Inc. COM 744320102   212,231 1,811 SH   SOLE   0 0 1,811
RLI Corp. COM 749607107   239,736 1,704 SH   SOLE   0 0 1,704
Regions Financial Corp. COM 7591ep100   210,300 10,494 SH   SOLE   0 0 10,494
S&P Global, Inc. COM 78409v104   1,853,576 4,156 SH   SOLE   0 0 4,156
Sun Life Financial, Inc. COM 866796105   265,134 5,412 SH   SOLE   0 0 5,412
Swiss Re Ltd. COM 870886108   252,692 8,133 SH   SOLE   0 0 8,133
Travelers Companies Inc. COM 89417E109   529,904 2,606 SH   SOLE   0 0 2,606
UBS Group AG COM h42097107   244,768 8,286 SH   SOLE   0 0 8,286
Visa Inc. COM 92826c839   1,383,742 5,272 SH   SOLE   0 0 5,272
WEX, Inc. COM 96208t104   358,000 2,021 SH   SOLE   0 0 2,021
Wells Fargo & Co. COM 949746101   230,611 3,883 SH   SOLE   0 0 3,883
AbbVie, Inc. COM 00287y109   3,259,909 19,006 SH   SOLE   0 0 19,006
Abbott Laboratories COM 002824100   1,728,751 16,637 SH   SOLE   0 0 16,637
Amerisource Bergen COM 03073E105   842,847 3,741 SH   SOLE   0 0 3,741
Amgen, Inc. COM 031162100   510,856 1,635 SH   SOLE   0 0 1,635
AstraZeneca PLC ADR COM 046353108   3,190,571 40,910 SH   SOLE   0 0 40,910
Becton Dickinson & Co. COM 075887109   598,298 2,560 SH   SOLE   0 0 2,560
Bristol-Myers Squibb COM 110122108   252,835 6,088 SH   SOLE   0 0 6,088
CVS Health Corp. COM 126650100   593,494 10,049 SH   SOLE   0 0 10,049
Cardinal Health COM 14149y108   3,255,965 33,116 SH   SOLE   0 0 33,116
Centene Corp. COM 15135b101   242,061 3,651 SH   SOLE   0 0 3,651
DaVita HealthCare Partners, Inc. COM 23918k108   222,128 1,603 SH   SOLE   0 0 1,603
Danaher Corp. COM 235851102   518,189 2,074 SH   SOLE   0 0 2,074
Edwards Lifesciences Corp. COM 28176E108   241,640 2,616 SH   SOLE   0 0 2,616
Elevance Health COM 036752103   471,191 870 SH   SOLE   0 0 870
First Trust NYSE Arca Biotech ETF COM 33733e203   332,618 2,160 SH   SOLE   0 0 2,160
Gilead Sciences Inc. COM 375558103   596,221 8,690 SH   SOLE   0 0 8,690
GlaxoSmithKline PLC COM 37733w204   254,370 6,607 SH   SOLE   0 0 6,607
HCA Healthcare Co. COM 40412c101   10,041,285 31,254 SH   SOLE   0 0 31,254
Health Care Select Sector SPDR ETF COM 81369y209   348,051 2,388 SH   SOLE   0 0 2,388
IShares US Healthcare ETF COM 464287762   728,500 11,890 SH   SOLE   0 0 11,890
Johnson & Johnson COM 478160104   2,090,380 14,302 SH   SOLE   0 0 14,302
Lilly (Eli) COM 532457108   14,370,972 15,873 SH   SOLE   0 0 15,873
Merck & Co Inc. COM 58933y105   5,310,705 42,897 SH   SOLE   0 0 42,897
Microport Scientific Corp. COM g60837104   359,678 504,670 SH   SOLE   0 0 504,670
Novartis AG ADR COM 66987v109   246,348 2,314 SH   SOLE   0 0 2,314
Novo Nordisk A.S. ADR COM 670100205   2,980,554 20,881 SH   SOLE   0 0 20,881
Pfizer, Inc. COM 717081103   1,242,788 44,417 SH   SOLE   0 0 44,417
Regeneron Pharmaceuticals COM 75886f107   3,627,105 3,451 SH   SOLE   0 0 3,451
Stryker Corporation COM 863667101   294,997 867 SH   SOLE   0 0 867
Takeda Pharmaceutical Co. COM 874060205   131,729 10,180 SH   SOLE   0 0 10,180
Thermo Fisher Scientific, Inc. COM 883556102   6,064,751 10,967 SH   SOLE   0 0 10,967
UnitedHealth Group COM 91324p102   11,061,636 21,721 SH   SOLE   0 0 21,721
Universal Health Svcs., Cl. B COM 913903100   4,249,691 22,980 SH   SOLE   0 0 22,980
Vanguard World Health Care ETF COM 92204a504   2,442,146 9,181 SH   SOLE   0 0 9,181
Vertex Pharmaceutical COM 92532F100   421,848 900 SH   SOLE   0 0 900
3M Company COM 88579y101   238,511 2,334 SH   SOLE   0 0 2,334
AB Volvo ADR COM 928854108   250,490 9,827 SH   SOLE   0 0 9,827
ABB Ltd. Sponsored ADR COM 000375204   339,441 6,093 SH   SOLE   0 0 6,093
Boeing Company COM 097023105   202,213 1,111 SH   SOLE   0 0 1,111
CSX Corp. COM 126408103   252,581 7,551 SH   SOLE   0 0 7,551
Caterpillar Inc. COM 149123101   2,371,933 7,121 SH   SOLE   0 0 7,121
Cummins Engine Inc. COM 231021106   939,623 3,393 SH   SOLE   0 0 3,393
Deere & Co. COM 244199105   1,599,884 4,282 SH   SOLE   0 0 4,282
Delta Airlines Inc. COM 247361702   1,145,439 24,145 SH   SOLE   0 0 24,145
Eaton Corp., PLC COM g29183103   1,734,872 5,533 SH   SOLE   0 0 5,533
Emerson Electric Co. COM 291011104   451,402 4,098 SH   SOLE   0 0 4,098
Fedex Corp. COM 31428X106   232,076 774 SH   SOLE   0 0 774
Frontline, LTD. COM M46528101   334,262 12,976 SH   SOLE   0 0 12,976
General Dynamics COM 369550108   263,737 909 SH   SOLE   0 0 909
General Electric COM 369604301   223,353 1,405 SH   SOLE   0 0 1,405
H&E Equipment Services, Inc. COM 404030108   1,812,339 41,031 SH   SOLE   0 0 41,031
Illinois Tool Works COM 452308109   1,919,280 8,100 SH   SOLE   0 0 8,100
Industrial Select Sector SPDR ETF COM 81369y704   425,692 3,493 SH   SOLE   0 0 3,493
Lockheed Martin Corp. COM 539830109   406,377 870 SH   SOLE   0 0 870
Masco Corp. COM 574599106   435,888 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108   295,628 1,377 SH   SOLE   0 0 1,377
Northrop Grumman COM 666807102   306,473 703 SH   SOLE   0 0 703
Owens Corning COM 690742101   9,889,880 56,930 SH   SOLE   0 0 56,930
Quanta Services, Inc. COM 74762e102   4,117,528 16,205 SH   SOLE   0 0 16,205
RPM Inc. Ohio COM 749685103   3,252,595 30,206 SH   SOLE   0 0 30,206
RTX Corp. COM 75513e101   478,057 4,762 SH   SOLE   0 0 4,762
Saia, Inc. COM 78709Y105   2,067,904 4,360 SH   SOLE   0 0 4,360
Snap-on Incorporated COM 833034101   2,446,610 9,360 SH   SOLE   0 0 9,360
Terex Corp. COM 880779103   1,757,293 32,044 SH   SOLE   0 0 32,044
Timken Co. COM 887389104   2,669,932 33,320 SH   SOLE   0 0 33,320
Uber Technologies Inc. COM 90353t100   480,924 6,617 SH   SOLE   0 0 6,617
Union Pacific Corp. COM 907818108   721,091 3,187 SH   SOLE   0 0 3,187
United Parcel Service, Inc. COM 911312106   274,658 2,007 SH   SOLE   0 0 2,007
United Rentals, Inc. COM 911363109   13,852,957 21,420 SH   SOLE   0 0 21,420
Waste Management, Inc. COM 94106L109   693,995 3,253 SH   SOLE   0 0 3,253
American Tower Corp. COM 03027x100   276,797 1,424 SH   SOLE   0 0 1,424
Digital Realty Trust Inc. COM 253868103   3,248,244 21,363 SH   SOLE   0 0 21,363
Essex Property Trust COM 297178105   2,126,699 7,813 SH   SOLE   0 0 7,813
Farmland Partners, Inc. COM 31154r109   364,348 31,600 SH   SOLE   0 0 31,600
IShares Cohen & Steers REIT ETF COM 464287564   416,957 7,278 SH   SOLE   0 0 7,278
IShares Residential Real Estate Capped ETF COM 464288562   363,550 4,722 SH   SOLE   0 0 4,722
Realty Income Corp. COM 756109104   255,226 4,832 SH   SOLE   0 0 4,832
Vanguard REIT ETF COM 922908553   546,157 6,521 SH   SOLE   0 0 6,521
W. P. Carey Inc. COM 92936u109   3,330,147 60,493 SH   SOLE   0 0 60,493
ASML Hldg N V COM n07059210   11,873,895 11,610 SH   SOLE   0 0 11,610
Adobe Systems, Inc. COM 00724F101   460,543 829 SH   SOLE   0 0 829
Advanced Micro Devices COM 007903107   982,668 6,058 SH   SOLE   0 0 6,058
Analog Devices Inc. COM 032654105   325,727 1,427 SH   SOLE   0 0 1,427
Apple Inc. COM 037833100   36,523,472 173,409 SH   SOLE   0 0 173,409
Applied Materials COM 038222105   798,118 3,382 SH   SOLE   0 0 3,382
Arista Networks, Inc. COM 040413106   284,940 813 SH   SOLE   0 0 813
Autodesk COM 052769106   240,027 970 SH   SOLE   0 0 970
Automatic Data Processing COM 053015103   1,325,923 5,555 SH   SOLE   0 0 5,555
Avnet Inc. COM 053807103   2,778,503 53,962 SH   SOLE   0 0 53,962
Broadcom Inc. COM 11135f101   20,639,088 12,855 SH   SOLE   0 0 12,855
Cisco Systems COM 17275r102   1,099,761 23,148 SH   SOLE   0 0 23,148
Corning Inc. COM 219350105   1,989,042 51,198 SH   SOLE   0 0 51,198
Crowdstrike Holdings, Inc. COM 22788c105   323,412 844 SH   SOLE   0 0 844
First Solar, Inc. COM 336433107   401,319 1,780 SH   SOLE   0 0 1,780
Flextronics Internat'l. Ltd. COM Y2573F102   8,967,290 304,079 SH   SOLE   0 0 304,079
Gen Digital Inc. COM 668771108   2,009,641 80,450 SH   SOLE   0 0 80,450
Hewlett Packard Enterprise Co. COM 42824c109   3,033,111 143,274 SH   SOLE   0 0 143,274
Honeywell Internat'l. COM 438516106   812,733 3,806 SH   SOLE   0 0 3,806
I.B.M. COM 459200101   1,629,016 9,419 SH   SOLE   0 0 9,419
IShares US Technology ETF COM 464287721   209,195 1,390 SH   SOLE   0 0 1,390
Infosys Technologies, Ltd. COM 456788108   357,876 19,220 SH   SOLE   0 0 19,220
Intel Corp. COM 458140100   530,986 17,145 SH   SOLE   0 0 17,145
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   6,721,187 14,028 SH   SOLE   0 0 14,028
Jabil Circuit, Inc. COM 466313103   5,182,864 47,641 SH   SOLE   0 0 47,641
LAM Research Corp. COM 512807108   16,578,650 15,569 SH   SOLE   0 0 15,569
Leidos Holdings, Inc. COM 525327102   856,753 5,873 SH   SOLE   0 0 5,873
Logitech Internat'l. SA COM H50430232   470,740 4,859 SH   SOLE   0 0 4,859
MercadoLibre Inc. COM 58733r102   493,020 300 SH   SOLE   0 0 300
Microchip Technology, Inc. COM 595017104   10,749,363 117,479 SH   SOLE   0 0 117,479
Micron Technology, Inc. COM 595112103   1,463,929 11,130 SH   SOLE   0 0 11,130
Microsoft Corporation COM 594918104   25,064,953 56,080 SH   SOLE   0 0 56,080
Motorola Solutions, Inc. COM 620076307   371,766 963 SH   SOLE   0 0 963
NXP Semiconductors NV Com COM n6596x109   6,112,918 22,717 SH   SOLE   0 0 22,717
Nvidia Corp. COM 67066g104   29,395,011 237,939 SH   SOLE   0 0 237,939
Onto Innovations, Inc. COM 683344105   219,560 1,000 SH   SOLE   0 0 1,000
Oracle Corp COM 68389X105   1,414,824 10,020 SH   SOLE   0 0 10,020
Palo Alto Networks, Inc. COM 697435105   2,000,837 5,902 SH   SOLE   0 0 5,902
PayChex Inc. COM 704326107   2,941,948 24,814 SH   SOLE   0 0 24,814
Qualcomm Inc. COM 747525103   416,286 2,090 SH   SOLE   0 0 2,090
Salesforce.com COM 79466l302   3,688,357 14,346 SH   SOLE   0 0 14,346
Seagate Technology Holdings PLC COM g7997r103   466,471 4,517 SH   SOLE   0 0 4,517
ServiceNow, Inc. COM 81762p102   280,841 357 SH   SOLE   0 0 357
Siemens AG ADR COM 826197501   250,563 2,687 SH   SOLE   0 0 2,687
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   1,858,029 10,690 SH   SOLE   0 0 10,690
Technology Select Sector SPDR ETF COM 81369y803   573,719 2,536 SH   SOLE   0 0 2,536
United Microelectronics ADR COM 910873405   287,626 32,834 SH   SOLE   0 0 32,834
Vanguard Information Technology ETF COM 92204a702   2,991,816 5,189 SH   SOLE   0 0 5,189
Air Products & Chem COM 009158106   379,850 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   249,483 4,370 SH   SOLE   0 0 4,370
Ball Corp. COM 058498106   230,117 3,834 SH   SOLE   0 0 3,834
Corteva Inc. COM 22052l104   574,623 10,653 SH   SOLE   0 0 10,653
Dow Inc. COM 260557103   300,900 5,672 SH   SOLE   0 0 5,672
Gerdau SA ADR COM 373737105   106,039 32,133 SH   SOLE   0 0 32,133
Graphic Packaging Holding Company COM 388689101   2,008,997 76,650 SH   SOLE   0 0 76,650
International Paper COM 460146103   1,696,097 39,307 SH   SOLE   0 0 39,307
Linde PLC COM g54950103   767,918 1,750 SH   SOLE   0 0 1,750
Materials Select Sector SPDR ETF COM 81369y100   342,025 3,873 SH   SOLE   0 0 3,873
Mosaic Co. COM 61945c103   1,406,736 48,676 SH   SOLE   0 0 48,676
Nucor Corp. COM 670346105   2,789,796 17,648 SH   SOLE   0 0 17,648
Rio Tinto PLC ADR F COM 767204100   625,544 9,488 SH   SOLE   0 0 9,488
Sherwin Williams Company COM 824348106   4,285,455 14,360 SH   SOLE   0 0 14,360
Sprott Physical Gold Trust COM 85207H104   388,001 21,484 SH   SOLE   0 0 21,484
Yara International ADR COM 984851204   213,959 14,769 SH   SOLE   0 0 14,769
AT&T Inc. COM 00206R102   498,919 26,108 SH   SOLE   0 0 26,108
Alphabet Inc., Cl. A COM 02079k305   19,514,094 107,132 SH   SOLE   0 0 107,132
Alphabet Inc., Cl. C COM 02079k107   3,261,948 17,784 SH   SOLE   0 0 17,784
Comcast Corp., Cl. A COM 20030N101   217,221 5,547 SH   SOLE   0 0 5,547
Meta Platforms, Inc. COM 30303m102   11,702,946 23,210 SH   SOLE   0 0 23,210
Netflix Inc. COM 64110L106   593,220 879 SH   SOLE   0 0 879
Omnicom Group COM 681919106   2,189,487 24,409 SH   SOLE   0 0 24,409
T-Mobile US Inc. COM 872590104   4,457,706 25,302 SH   SOLE   0 0 25,302
Verizon Communications COM 92343V104   418,009 10,136 SH   SOLE   0 0 10,136
Vodafone Group PLC ADR COM 92857w308   162,286 18,296 SH   SOLE   0 0 18,296
Walt Disney Co COM 254687106   586,506 5,907 SH   SOLE   0 0 5,907
Allete, Inc. COM 018522300   1,586,122 25,439 SH   SOLE   0 0 25,439
Alliant Energy Corp. COM 018802108   1,557,286 30,595 SH   SOLE   0 0 30,595
Ameren Corp. COM 023608102   349,673 4,917 SH   SOLE   0 0 4,917
American States Water Co. COM 029899101   1,957,431 26,973 SH   SOLE   0 0 26,973
Black Hills Corp. COM 092113109   989,662 18,199 SH   SOLE   0 0 18,199
Duke Energy Corp COM 26441c204   262,308 2,617 SH   SOLE   0 0 2,617
Equinor ASA COM 29446m102   320,129 11,209 SH   SOLE   0 0 11,209
Eversource Energy Com. COM 30040w108   231,434 4,081 SH   SOLE   0 0 4,081
National Fuel Gas Co. COM 636180101   1,446,277 26,689 SH   SOLE   0 0 26,689
National Grid PLC ADR COM 636274409   253,782 4,468 SH   SOLE   0 0 4,468
NextEra Energy COM 65339F101   1,128,641 15,939 SH   SOLE   0 0 15,939
Southern Company COM 842587107   396,460 5,111 SH   SOLE   0 0 5,111
Veolia Environment ADR COM 92334n103   209,999 14,028 SH   SOLE   0 0 14,028
Vanguard S&P Mid-Cap 400 Index Fund - ETF COM 921932885   236,476 2,386 SH   SOLE   0 0 2,386
IShares US Real Estate ETF COM 464287739   286,032 3,260 SH   SOLE   0 0 3,260
First Trust Preferred Secs & Inc ETF COM 33739e108   177,729 10,238 SH   SOLE   0 0 10,238
Vanguard Small Cap Growth ETF COM 922908595   634,396 2,536 SH   SOLE   0 0 2,536
IShares Russell 2000 Index ETF COM 464287655   2,606,673 12,848 SH   SOLE   0 0 12,848
IShares S&P SmallCap 600 Index ETF COM 464287804   5,299,383 49,685 SH   SOLE   0 0 49,685
John Hancock Multifactor Mid Cap ETF COM 47804J206   522,330 9,490 SH   SOLE   0 0 9,490
Schwab Fundamental US Small Company ETF COM 808524763   302,105 5,501 SH   SOLE   0 0 5,501
Schwab Strategic US Small-Cap ETF COM 808524607   901,719 19,004 SH   SOLE   0 0 19,004
Vanguard Index Small Cap ETF COM 922908751   5,836,404 26,768 SH   SOLE   0 0 26,768
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   2,825,674 46,164 SH   SOLE   0 0 46,164
Avantis U.S. Small Cap Value - ETF COM 025072877   1,963,792 21,888 SH   SOLE   0 0 21,888
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   2,269,269 67,983 SH   SOLE   0 0 67,983
IShares Russell 2000 Value Index ETF COM 464287630   1,200,886 7,885 SH   SOLE   0 0 7,885
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   587,668 6,042 SH   SOLE   0 0 6,042
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   3,625,108 83,221 SH   SOLE   0 0 83,221
Vanguard Small Cap Value ETF COM 922908611   646,509 3,542 SH   SOLE   0 0 3,542
IShares Russell Midcap Growth Index ETF COM 464287481   230,411 2,088 SH   SOLE   0 0 2,088
Vanguard Mid-Cap Growth ETF COM 922908538   1,225,923 5,340 SH   SOLE   0 0 5,340
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,600,477 14,747 SH   SOLE   0 0 14,747
IShares Russell Midcap Index ETF COM 464287499   2,444,562 30,150 SH   SOLE   0 0 30,150
IShares S&P Midcap 400 Index ETF COM 464287507   3,550,380 60,670 SH   SOLE   0 0 60,670
SPDR S&P MidCap 400 ETF COM 78467y107   1,285,797 2,403 SH   SOLE   0 0 2,403
Schwab US Mid-Cap ETF COM 808524508   824,842 10,598 SH   SOLE   0 0 10,598
Vanguard Extended Market ETF COM 922908652   320,701 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629   7,875,241 32,529 SH   SOLE   0 0 32,529
IShares Russell Midcap Value Index ETF COM 464287473   781,496 6,473 SH   SOLE   0 0 6,473
IShares S&P MidCap 400/Barra Value ETF COM 464287705   1,044,853 9,209 SH   SOLE   0 0 9,209
Pacer FDS TR Cash Cows - ETF COM 69374h659   299,466 8,057 SH   SOLE   0 0 8,057
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   9,616,494 176,482 SH   SOLE   0 0 176,482
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   827,362 11,240 SH   SOLE   0 0 11,240
Vanguard Mid-Cap Value ETF COM 922908512   1,276,400 8,485 SH   SOLE   0 0 8,485
American Century U.S. Quality Growth - ETF COM 025072307   241,251 2,806 SH   SOLE   0 0 2,806
Capital Group Growth - ETF COM 14020g101   3,213,928 97,717 SH   SOLE   0 0 97,717
FT CBOE Vest Fund of Buffer - ETF COM 33740f755   828,285 28,641 SH   SOLE   0 0 28,641
First Trust Dow Jones Internet ETF COM 33733e302   216,417 1,056 SH   SOLE   0 0 1,056
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   3,175,392 25,755 SH   SOLE   0 0 25,755
IShares MSCI USA Momentum Factor ETF COM 46432f396   5,160,352 26,481 SH   SOLE   0 0 26,481
IShares Russell 1000 Growth Index ETF COM 464287614   1,009,693 2,770 SH   SOLE   0 0 2,770
IShares S&P 500 Barra Growth Index ETF COM 464287309   328,795 3,553 SH   SOLE   0 0 3,553
JPMorgan Nasdaq Equity Premium Inc ETF COM 46654q203   328,521 5,919 SH   SOLE   0 0 5,919
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   876,122 10,795 SH   SOLE   0 0 10,795
SPDR Portfolio S&P 500 Growth ETF COM 78464a409   203,049 2,534 SH   SOLE   0 0 2,534
Schwab US Large-Cap Growth ETF COM 808524300   1,190,920 11,810 SH   SOLE   0 0 11,810
Vanguard Growth ETF COM 922908736   3,498,389 9,354 SH   SOLE   0 0 9,354
Vanguard Mega Cap Growth ETF COM 921910816   470,687 1,498 SH   SOLE   0 0 1,498
Vanguard Russell 1000 Growth ETF COM 92206c680   4,207,285 44,849 SH   SOLE   0 0 44,849
Vanguard S&P 500 Growth ETF COM 921932505   6,609,877 19,823 SH   SOLE   0 0 19,823
iShares Russell Top 200 Growth ETF COM 464289438   4,097,699 19,102 SH   SOLE   0 0 19,102
American Centy ETF TR Avantis US Equity COM 025072885   1,164,539 12,912 SH   SOLE   0 0 12,912
Capital Group Core Equity - ETF COM 14020v108   272,069 8,436 SH   SOLE   0 0 8,436
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   794,938 8,196 SH   SOLE   0 0 8,196
First Trust Capital Strength ETF COM 33733E104   2,840,685 33,802 SH   SOLE   0 0 33,802
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   9,556,918 89,359 SH   SOLE   0 0 89,359
IShares - Russell 200 Index ETF COM 464289446   735,924 5,494 SH   SOLE   0 0 5,494
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,389,303 8,136 SH   SOLE   0 0 8,136
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,122,269 49,098 SH   SOLE   0 0 49,098
IShares Russell 1000 Index Fund ETF COM 464287622   967,819 3,253 SH   SOLE   0 0 3,253
IShares Russell 3000 Index ETF COM 464287689   4,493,927 14,559 SH   SOLE   0 0 14,559
IShares S&P 500 Index ETF COM 464287200   1,100,252 2,011 SH   SOLE   0 0 2,011
IShares Tr. S&P 1500 Index ETF COM 464287150   238,092 2,004 SH   SOLE   0 0 2,004
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   5,177,210 98,632 SH   SOLE   0 0 98,632
Invesco S&P 500 GARP - ETF COM 46137V431   7,124,879 69,322 SH   SOLE   0 0 69,322
Invesco S&P 500 Low Volatility ETF COM 46138e354   4,111,591 63,304 SH   SOLE   0 0 63,304
Invesco S&P 500 Quality ETF A COM 46137v241   13,274,523 208,916 SH   SOLE   0 0 208,916
JPMorgan Equity Focus - ETF COM 46654Q781   4,925,567 78,986 SH   SOLE   0 0 78,986
JPMorgan Equity Premium Income ETF COM 46641q332   864,634 15,255 SH   SOLE   0 0 15,255
SPDR S&P 500 ETF COM 78462F103   6,574,992 12,081 SH   SOLE   0 0 12,081
Schwab US Broad Market ETF COM 808524102   3,857,263 61,353 SH   SOLE   0 0 61,353
Schwab US Large-Cap ETF COM 808524201   1,061,543 16,522 SH   SOLE   0 0 16,522
VanEck Morningstar Wide Moat - ETF COM 92189f643   1,325,826 15,308 SH   SOLE   0 0 15,308
Vanguard Dividend Appreciation ETF COM 921908844   15,379,295 84,247 SH   SOLE   0 0 84,247
Vanguard ESG US Stock - ETF COM 921910733   765,424 7,922 SH   SOLE   0 0 7,922
Vanguard Large Cap ETF COM 922908637   829,987 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873   14,960,303 75,829 SH   SOLE   0 0 75,829
Vanguard Russell 1000 ETF COM 92206c730   8,419,039 34,214 SH   SOLE   0 0 34,214
Vanguard Russell 3000 ETF COM 92206c599   595,406 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363   6,090,545 12,178 SH   SOLE   0 0 12,178
Vanguard Total Stock Market ETF COM 922908769   27,322,167 102,135 SH   SOLE   0 0 102,135
WisdomTree US Quality Dividend Gr ETF COM 97717x669   290,736 3,725 SH   SOLE   0 0 3,725
Capital Group Dividend Value - ETF COM 14020w106   1,382,284 41,887 SH   SOLE   0 0 41,887
Dimensional US Marketwide Value - ETF COM 25434v724   369,491 9,409 SH   SOLE   0 0 9,409
First Trust Morningstar Div Leaders ETF COM 336917109   5,658,343 149,179 SH   SOLE   0 0 149,179
First Trust Rising Dividend Achievers ETF COM 33738r506   4,224,511 77,160 SH   SOLE   0 0 77,160
First Trust Value Line Dividend ETF COM 33734h106   3,332,114 81,770 SH   SOLE   0 0 81,770
IShares Core US Value ETF COM 464287663   975,158 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598   333,238 1,910 SH   SOLE   0 0 1,910
IShares Select Dividend ETF COM 464287168   1,732,676 14,322 SH   SOLE   0 0 14,322
Invesco S&P 500 High Div/Low Volat. ETF COM 46138e362   218,151 4,910 SH   SOLE   0 0 4,910
Invesco S&P 500 Revenue ETF COM 46138g698   625,185 6,750 SH   SOLE   0 0 6,750
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   5,193,683 54,028 SH   SOLE   0 0 54,028
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,439,358 3,680 SH   SOLE   0 0 3,680
SPDR S&P Dividend ETF COM 78464a763   2,124,542 16,705 SH   SOLE   0 0 16,705
SPDR S&P Value ETF COM 78464a508   4,773,637 97,941 SH   SOLE   0 0 97,941
Schwab Fundamental US Broad Market ETF COM 808524789   746,456 11,382 SH   SOLE   0 0 11,382
Schwab US Div Equity ETF COM 808524797   14,395,788 185,131 SH   SOLE   0 0 185,131
T. Rowe Price Dividend Growth ETF COM 87283q404   1,037,075 26,937 SH   SOLE   0 0 26,937
Vanguard High Dividend Yield ETF COM 921946406   2,300,899 19,401 SH   SOLE   0 0 19,401
Vanguard Russell 1000 Value ETF COM 92206c714   1,015,088 13,257 SH   SOLE   0 0 13,257
Vanguard S&P 500 Value ETF COM 921932703   615,933 3,504 SH   SOLE   0 0 3,504
Vanguard Value ETF COM 922908744   1,098,692 6,849 SH   SOLE   0 0 6,849
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   609,209 8,374 SH   SOLE   0 0 8,374
Global X S&P 500 Catholic Values ETF COM 37954y889   215,493 3,295 SH   SOLE   0 0 3,295
Pacer Global Cash Cows Dividend ETF COM 69374h709   631,361 18,724 SH   SOLE   0 0 18,724
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   710,799 10,521 SH   SOLE   0 0 10,521
Avantis Emerging Markets Equity - ETF COM 025072604   451,455 7,390 SH   SOLE   0 0 7,390
WisdomTree International Hdgd Div Gr ETF COM 97717x594   1,141,828 25,046 SH   SOLE   0 0 25,046
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   3,329,552 98,947 SH   SOLE   0 0 98,947
IShares - MSCI ACWI ex US ETF COM 464288240   217,195 4,088 SH   SOLE   0 0 4,088
IShares MSCI EAFE ETF COM 464287465   307,058 3,920 SH   SOLE   0 0 3,920
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,493,502 25,469 SH   SOLE   0 0 25,469
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   555,578 11,242 SH   SOLE   0 0 11,242
Pacer FDS TR Developed Mrkts Int'l CC ETF COM 69374h873   1,679,115 55,307 SH   SOLE   0 0 55,307
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206   357,083 10,930 SH   SOLE   0 0 10,930
SPDR S&P Emerging Markets ETF COM 78463x509   933,726 24,787 SH   SOLE   0 0 24,787
Vanguard Emerging Mkts. ETF COM 922042858   674,575 15,415 SH   SOLE   0 0 15,415
First TR Global Tactical Commodity ETF COM 33739h101   478,511 20,013 SH   SOLE   0 0 20,013
Ishares Bitcoin Trust COM 46438f101   391,586 11,470 SH   SOLE   0 0 11,470
SPDR Gold Shares ETF COM 78463v107   797,472 3,709 SH   SOLE   0 0 3,709