The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories Common 002824100 53 447 SH   SOLE   0 0 447
AbbVie Common 00287y109 132 813 SH   SOLE   0 0 813
Accenture Common G1151C101 70 207 SH   SOLE   0 0 207
Adobe Systems Common 00724f101 25 55 SH   SOLE   0 0 55
Air Products & Chemicals Common 009158106 8 33 SH   SOLE   0 0 33
Alphabet Common 02079k107 251 90 SH   SOLE   0 0 90
Alphabet Common 02079k305 256 92 SH   SOLE   0 0 92
Amazon.com Common 023135106 134 41 SH   SOLE   0 0 41
American Electric Power Common 025537101 8 84 SH   SOLE   0 0 84
American Express Common 025816109 25 136 SH   SOLE   0 0 136
American Intl. Group Common 026874784 13 210 SH   SOLE   0 0 210
American Tower Common 03027x100 1 3 SH   SOLE   0 0 3
Amgen Common 031162100 4 16 SH   SOLE   0 0 16
Analog Devices Common 032654105 13 76 SH   SOLE   0 0 76
ANSYS Inc. Common 03662Q105 5 17 SH   SOLE   0 0 17
Anthem Common 036752103 114 232 SH   SOLE   0 0 232
Apple Common 037833100 319 1,825 SH   SOLE   0 0 1,825
Applied Materials Common 038222105 4 31 SH   SOLE   0 0 31
Arthur J. Gallagher Common 363576109 28 162 SH   SOLE   0 0 162
ASML Holding Common N07059202 4 6 SH   SOLE   0 0 6
Aspen Technology Common 045327103 7 43 SH   SOLE   0 0 43
AstraZeneca Common 046353108 11 165 SH   SOLE   0 0 165
AT&T Common 00206r102 44 1,868 SH   SOLE   0 0 1,868
Auto Data Processing Common 053015103 6 28 SH   SOLE   0 0 28
Bank of America Common 060505104 203 4,937 SH   SOLE   0 0 4,937
Berkshire Hathaway CL B Common 084670702 19 54 SH   SOLE   0 0 54
BlackRock Common 09247x101 44 57 SH   SOLE   0 0 57
Boeing Common 097023105 52 269 SH   SOLE   0 0 269
CDW Corp. Common 12514G102 11 60 SH   SOLE   0 0 60
Charles River Labs Common 159864107 6 20 SH   SOLE   0 0 20
Charles Schwab Common 808513105 12 137 SH   SOLE   0 0 137
Chevron Common 166764100 176 1,082 SH   SOLE   0 0 1,082
Cincinnati Financial Common 172062101 26 190 SH   SOLE   0 0 190
Cintas Common 172908105 11 25 SH   SOLE   0 0 25
Cisco Systems Common 17275R102 37 666 SH   SOLE   0 0 666
Citigroup Common 172967424 13 243 SH   SOLE   0 0 243
CME Group Common 12572q105 7 28 SH   SOLE   0 0 28
Coca-Cola Common 191216100 144 2,320 SH   SOLE   0 0 2,320
Comcast Common 20030n101 129 2,749 SH   SOLE   0 0 2,749
ConocoPhillips Common 20825C104 9 87 SH   SOLE   0 0 87
Consolidated Edison Common 209115104 54 575 SH   SOLE   0 0 575
Consumer Staples Sector SPDR Common 81369Y308 8 100 SH   SOLE   0 0 100
Cooper Companies Common 216648402 9 21 SH   SOLE   0 0 21
Copart Common 217204106 5 40 SH   SOLE   0 0 40
Crown Castle Common 22822V101 1 5 SH   SOLE   0 0 5
CVS Health Corp. Common 126650100 31 310 SH   SOLE   0 0 310
Disney Common 254687106 202 1,470 SH   SOLE   0 0 1,470
Dover Common 260003108 9 55 SH   SOLE   0 0 55
Duke Energy Common 26441C204 65 583 SH   SOLE   0 0 583
DuPont Common 26614N102 4 60 SH   SOLE   0 0 60
Eaton Common G29183103 44 292 SH   SOLE   0 0 292
Eli Lilly Common 532457108 123 430 SH   SOLE   0 0 430
Energy Sector SPDR Common 81369Y506 19 255 SH   SOLE   0 0 255
Exxon Mobil Common 30231g102 26 320 SH   SOLE   0 0 320
Fifth Third Bancorp Common 316773100 25 575 SH   SOLE   0 0 575
Financial Sector SPDR Common 81369Y605 45 1,181 SH   SOLE   0 0 1,181
Fortune Brands H&S Common 34964C106 111 1,500 SH   SOLE   0 0 1,500
Gartner Common 366651107 21 72 SH   SOLE   0 0 72
General American 5.95 Percent Common 368802401 14 500 SH   SOLE   0 0 500
General Motors Common 37045V100 8 174 SH   SOLE   0 0 174
GoodRx Holdings Common 38246G108 17 880 SH   SOLE   0 0 880
Grainger WW Common 384802104 4 7 SH   SOLE   0 0 7
Hartford Financial Services Common 416515104 24 340 SH   SOLE   0 0 340
Health Care Sector SPDR Common 81369Y209 14 100 SH   SOLE   0 0 100
Home Depot Common 437076102 332 1,108 SH   SOLE   0 0 1,108
Honeywell International Common 438516106 51 263 SH   SOLE   0 0 263
Insight Enterprises Common 45765U103 7 69 SH   SOLE   0 0 69
Intel Common 458140100 20 400 SH   SOLE   0 0 400
Invesco QQQ Trust Common 73935A104 642 1,771 SH   SOLE   0 0 1,771
Invesco S&P 500 Equal Weight Common 46137V357 47 297 SH   SOLE   0 0 297
Invesco S&P 500 Low Vol. Common 46138E354 47,625 709,866 SH   SOLE   0 0 709,866
iShares Core Dividend Growth Common 46434V621 72 1,349 SH   SOLE   0 0 1,349
iShares Core High Dividend Common 46429B663 26,028 243,504 SH   SOLE   0 0 243,504
iShares Edge Min. Vol. USA Common 46429B697 73 946 SH   SOLE   0 0 946
iShares Expanded Technology Common 464287549 16,699 42,970 SH   SOLE   0 0 42,970
iShares Russell 1000 Common 464287622 15 60 SH   SOLE   0 0 60
iShares Russell 1000 Growth Common 464287614 236 850 SH   SOLE   0 0 850
iShares U.S. Healthcare Common 464287762 13 44 SH   SOLE   0 0 44
Jack Henry Common 426281101 7 34 SH   SOLE   0 0 34
Johnson & Johnson Common 478160104 68 386 SH   SOLE   0 0 386
JPMorgan Chase Common 46625h100 82 604 SH   SOLE   0 0 604
Lam Research Common 512807108 10 18 SH   SOLE   0 0 18
Lennar Common 526057104 32 400 SH   SOLE   0 0 400
Lockheed Martin Common 539830109 8 17 SH   SOLE   0 0 17
Lowe's Common 548661107 17 85 SH   SOLE   0 0 85
Marathon Petroleum Common 56585A102 15 180 SH   SOLE   0 0 180
Marsh & McLennan Common 571748102 17 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 19 53 SH   SOLE   0 0 53
McDonald's Common 580135101 192 777 SH   SOLE   0 0 777
Merck Common 58933y105 47 570 SH   SOLE   0 0 570
Meta Platforms Common 30303M102 49 223 SH   SOLE   0 0 223
MetLife Common 59156R108 32 456 SH   SOLE   0 0 456
MGM Growth Properties Common 55303A105 146 3,765 SH   SOLE   0 0 3,765
Microchip Technology Common 595017104 10 128 SH   SOLE   0 0 128
Microsoft Common 594918104 840 2,725 SH   SOLE   0 0 2,725
Mid-America Apartments Common 59522J103 35 165 SH   SOLE   0 0 165
Mimecast Common G14838109 16 206 SH   SOLE   0 0 206
Mondelez Common 609207105 45 715 SH   SOLE   0 0 715
Morgan Stanley Common 617446448 15 167 SH   SOLE   0 0 167
Motorola Solutions Common 620076307 5 21 SH   SOLE   0 0 21
MSCI Inc. Common 55354G100 8 15 SH   SOLE   0 0 15
Navitas Semiconductor Common 63942X106 3 310 SH   SOLE   0 0 310
NextEra Energy Common 65339F101 11 130 SH   SOLE   0 0 130
Nike Common 654106103 9 66 SH   SOLE   0 0 66
Nordson Common 655663102 10 43 SH   SOLE   0 0 43
Nustar Logistics 7.625 Percent Common 67059T204 8 300 SH   SOLE   0 0 300
NXP Semiconductors Common N6596X019 4 22 SH   SOLE   0 0 22
Oracle Common 68389x105 66 800 SH   SOLE   0 0 800
Organon Common 68622V106 1 30 SH   SOLE   0 0 30
Palo Alto Networks Common 697435105 11 17 SH   SOLE   0 0 17
Paychex Common 704326107 30 220 SH   SOLE   0 0 220
Pfizer Common 717081103 32 625 SH   SOLE   0 0 625
Philip Morris International Common 718172109 18 195 SH   SOLE   0 0 195
Pioneer Natural Resources Common 723787107 10 38 SH   SOLE   0 0 38
Pool Corp. Common 73278L105 9 22 SH   SOLE   0 0 22
Procter & Gamble Common 742718109 621 4,062 SH   SOLE   0 0 4,062
Prologis Common 74340W103 31 193 SH   SOLE   0 0 193
ProShares S&P Div Aristocrats Common 74348A467 36 380 SH   SOLE   0 0 380
Prudential Financial Common 744320102 5 42 SH   SOLE   0 0 42
Public Storage Common 74460D109 1 2 SH   SOLE   0 0 2
Qualcomm Common 747525103 62 408 SH   SOLE   0 0 408
Qwest 6.75 Percent Common 74913G873 65 2,600 SH   SOLE   0 0 2,600
Raytheon Technologies Common 75513E101 26 259 SH   SOLE   0 0 259
S&P Global Common 78409V104 4 10 SH   SOLE   0 0 10
Salesforce.com Common 79466l302 19 91 SH   SOLE   0 0 91
Scotts Miracle-Gro Common 810186106 5 40 SH   SOLE   0 0 40
ServiceNow Common 81762P102 9 16 SH   SOLE   0 0 16
SiteOne Landscape Supply Common 829826103 6 35 SH   SOLE   0 0 35
Southern Common 842587107 43 588 SH   SOLE   0 0 588
SPDR Consumer Discretionary Common 81369Y407 11 60 SH   SOLE   0 0 60
SPDR S&P 500 Common 78462f103 23 50 SH   SOLE   0 0 50
SPDR S&P 500 High Dividend Common 78468R788 21,136 480,904 SH   SOLE   0 0 480,904
SPDR Total Stock Market Common 78464A805 23 417 SH   SOLE   0 0 417
Starbucks Common 855244109 590 6,490 SH   SOLE   0 0 6,490
Stryker Common 863667101 17 65 SH   SOLE   0 0 65
Sysco Common 871829107 31 385 SH   SOLE   0 0 385
Target Common 87612E106 21 100 SH   SOLE   0 0 100
Technology Sector SPDR Common 81369Y803 1,089 6,849 SH   SOLE   0 0 6,849
Teradyne Common 880770102 4 30 SH   SOLE   0 0 30
Texas Instruments Common 882508104 21 112 SH   SOLE   0 0 112
The Williams Companies Common 969457100 6 191 SH   SOLE   0 0 191
Trane Technologies Common 00BK9ZQ96 61 400 SH   SOLE   0 0 400
Ulta Beauty Common 90384S303 6 14 SH   SOLE   0 0 14
Union Pacific Common 907818108 5 19 SH   SOLE   0 0 19
United Healthcare Common 91324p102 31 61 SH   SOLE   0 0 61
UPS Common 911312106 533 2,487 SH   SOLE   0 0 2,487
Vanguard Consumer Staples Common 92204A207 14,399 73,498 SH   SOLE   0 0 73,498
Vanguard Financials Common 92204A405 18 197 SH   SOLE   0 0 197
Vanguard Health Care Common 92204A504 28,478 111,949 SH   SOLE   0 0 111,949
Vanguard High Dividend Yield Common 921946406 16,461 146,645 SH   SOLE   0 0 146,645
Vanguard Information Technolog Common 92204A702 28,313 67,981 SH   SOLE   0 0 67,981
Vanguard S&P 500 Common 922908363 15 36 SH   SOLE   0 0 36
Verizon Common 92343v104 106 2,077 SH   SOLE   0 0 2,077
Visa Common 92826c839 31 142 SH   SOLE   0 0 142
W.R. Berkley Common 084423102 10 146 SH   SOLE   0 0 146
Waste Management Common 94106l109 362 2,286 SH   SOLE   0 0 2,286
Wells Fargo Common 949746101 18 365 SH   SOLE   0 0 365
Weyerhaeuser Common 962166104 20 533 SH   SOLE   0 0 533
Whiting Petroleum Common 966387409 10 125 SH   SOLE   0 0 125
Xcel Energy Common 98389B100 15 202 SH   SOLE   0 0 202
Zebra Technologies Common 989207105 6 14 SH   SOLE   0 0 14
Zoetis Common 98978V103 9 50 SH   SOLE   0 0 50