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
Eaton Vance Municipal Income TR COM 27826u108 181 16,584 SH   SOLE   0 0 16,584
First Trust Managed Municipal ETF COM 33739n108 368 7,281 SH   SOLE   0 0 7,281
First Trust Senior Loan Fund ETF COM 33738d309 553 12,535 SH   SOLE   0 0 12,535
Invesco BulletShares 2024 Corp Bond ETF COM 46138j841 578 27,888 SH   SOLE   0 0 27,888
Invesco BulletShares 2025 Corp Bond ETF COM 46138j825 442 21,633 SH   SOLE   0 0 21,633
JPMorgan Ultra-Short Income ETF COM 46641q837 1,438 28,705 SH   SOLE   0 0 28,705
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805 1,306 28,158 SH   SOLE   0 0 28,158
IShares TR Core 1-5yr Bond ETF COM 46432f859 1,069 22,545 SH   SOLE   0 0 22,545
Invesco Actively Mgd ETF COM 46090a804 423 8,795 SH   SOLE   0 0 8,795
Vanguard Short-Term Bond ETF COM 921937827 494 6,437 SH   SOLE   0 0 6,437
Gerdau SA ADR COM 373737105 210 48,990 SH   SOLE   0 0 48,990
Amazon.Com Inc. COM 023135106 8,830 83,139 SH   SOLE   0 0 83,139
AutoZone, Inc. COM 053332102 600 279 SH   SOLE   0 0 279
BOYD Gaming Corp COM 103304101 212 4,260 SH   SOLE   0 0 4,260
Big Lots Inc. COM 089302103 1,248 59,505 SH   SOLE   0 0 59,505
Chipotle Mexican Grill, A COM 169656105 6,331 4,843 SH   SOLE   0 0 4,843
Dominos Pizza, Inc. COM 25754a201 238 610 SH   SOLE   0 0 610
Ford Motor Company COM 345370860 209 18,735 SH   SOLE   0 0 18,735
Garmin Ltd. COM h2906t109 2,176 22,150 SH   SOLE   0 0 22,150
Genuine Parts Co. COM 372460105 2,183 16,414 SH   SOLE   0 0 16,414
Hanes Brands, Inc. COM 410345102 582 56,531 SH   SOLE   0 0 56,531
Home Depot, Inc. COM 437076102 7,750 28,257 SH   SOLE   0 0 28,257
Isuzu Motors Ltd. COM 465254209 180 16,319 SH   SOLE   0 0 16,319
Lear Corp. COM 521865204 405 3,220 SH   SOLE   0 0 3,220
Lowe's Cos COM 548661107 2,628 15,044 SH   SOLE   0 0 15,044
McDonalds Corp. COM 580135101 1,837 7,439 SH   SOLE   0 0 7,439
Newell Rubbermaid Inc. COM 651229106 694 36,431 SH   SOLE   0 0 36,431
Nike, Inc. COM 654106103 220 2,148 SH   SOLE   0 0 2,148
Starbucks Corp. COM 855244109 389 5,094 SH   SOLE   0 0 5,094
Target Corp. COM 87612E106 248 1,758 SH   SOLE   0 0 1,758
Tesla Motors Inc., Com COM 88160r101 2,346 3,483 SH   SOLE   0 0 3,483
Unilever PLC ADR COM 904767704 453 9,887 SH   SOLE   0 0 9,887
W D 40 Co. COM 929236107 300 1,489 SH   SOLE   0 0 1,489
Yum Brands, Inc. COM 988498101 263 2,321 SH   SOLE   0 0 2,321
Altria Group, Inc. COM 02209S103 699 16,725 SH   SOLE   0 0 16,725
Archer Daniels Midland COM 039483102 10,696 137,832 SH   SOLE   0 0 137,832
Clorox Co. COM 189054109 1,511 10,721 SH   SOLE   0 0 10,721
Coca Cola COM 191216100 3,191 50,730 SH   SOLE   0 0 50,730
Coca Cola European Partners PLC COM g25839104 265 5,132 SH   SOLE   0 0 5,132
Colgate Palmolive Co. COM 194162103 571 7,127 SH   SOLE   0 0 7,127
Constellation Brands, Inc. COM 21036p108 564 2,421 SH   SOLE   0 0 2,421
Costco Wholesale Corp. COM 22160K105 9,877 20,609 SH   SOLE   0 0 20,609
Diageo PLC ADR COM 25243Q205 305 1,749 SH   SOLE   0 0 1,749
Estee Lauder Co. COM 518439104 2,216 8,701 SH   SOLE   0 0 8,701
General Mills COM 370334104 2,019 26,753 SH   SOLE   0 0 26,753
Hormel Foods Corp. COM 440452100 258 5,450 SH   SOLE   0 0 5,450
Kimberly Clark Corp COM 494368103 1,781 13,176 SH   SOLE   0 0 13,176
Kraft Heinz Co. COM 500754106 1,553 40,721 SH   SOLE   0 0 40,721
Mondelez International, Inc. COM 609207105 775 12,480 SH   SOLE   0 0 12,480
Monster Beverage Corp. COM 61174x109 465 5,020 SH   SOLE   0 0 5,020
Mowi ASA ADR COM 624678108 276 12,142 SH   SOLE   0 0 12,142
Nestle SA ADR COM 641069406 252 2,162 SH   SOLE   0 0 2,162
PepsiCo Inc COM 713448108 2,817 16,903 SH   SOLE   0 0 16,903
Philip Morris Internat'l. COM 718172109 1,492 15,112 SH   SOLE   0 0 15,112
Procter and Gamble COM 742718109 1,744 12,130 SH   SOLE   0 0 12,130
Wal-Mart Stores COM 931142103 966 7,948 SH   SOLE   0 0 7,948
Walgreen Boots Alliance Inc. COM 931427108 394 10,386 SH   SOLE   0 0 10,386
BP Amoco PLC ADR COM 055622104 789 27,832 SH   SOLE   0 0 27,832
Cheniere Energy, Inc COM 16411r208 4,804 36,110 SH   SOLE   0 0 36,110
Chevron Corp. COM 166764100 818 5,653 SH   SOLE   0 0 5,653
ConocoPhillips COM 20825C104 407 4,532 SH   SOLE   0 0 4,532
Devon Energy Corp. COM 25179M103 5,243 95,145 SH   SOLE   0 0 95,145
Enbridge Inc. COM 29250n105 2,636 62,370 SH   SOLE   0 0 62,370
Energy Select Sector SPDR ETF COM 81369y506 531 7,426 SH   SOLE   0 0 7,426
Exxon Mobil Corp. COM 30231G102 1,008 11,767 SH   SOLE   0 0 11,767
Marathon Petroleum Corp. COM 56585a102 403 4,903 SH   SOLE   0 0 4,903
Shell PLC ADR COM 780259305 416 7,951 SH   SOLE   0 0 7,951
Total Energies SE COM 89151e109 204 3,874 SH   SOLE   0 0 3,874
Williams Companies COM 969457100 2,569 82,314 SH   SOLE   0 0 82,314
AFLAC, Inc. COM 001055102 860 15,538 SH   SOLE   0 0 15,538
AGNC Investment Corp COM 00123q104 574 51,841 SH   SOLE   0 0 51,841
Allstate Corp. COM 020002101 990 7,809 SH   SOLE   0 0 7,809
Annaly Capital Mgmt Inc. COM 035710409 755 127,804 SH   SOLE   0 0 127,804
Bank of America COM 060505104 276 8,865 SH   SOLE   0 0 8,865
Bank of Montreal COM 063671101 324 3,364 SH   SOLE   0 0 3,364
Berkshire Hathaway, Cl. B COM 084670702 3,538 12,957 SH   SOLE   0 0 12,957
Blackstone Group Inc. Cl. A COM 09260d107 8,673 95,066 SH   SOLE   0 0 95,066
Canadian Imperial Bank of Commerce COM 136069101 209 4,316 SH   SOLE   0 0 4,316
Charles Schwab Corp. COM 808513105 569 9,009 SH   SOLE   0 0 9,009
Citigroup COM 172967424 1,750 38,053 SH   SOLE   0 0 38,053
Citizens Financial Group COM 174610105 1,471 41,211 SH   SOLE   0 0 41,211
Discover Financial Services, Inc. COM 254709108 208 2,199 SH   SOLE   0 0 2,199
Fidelity National Financial, Inc. COM 31620R303 1,460 39,510 SH   SOLE   0 0 39,510
Fifth Third Bancorp COM 316773100 1,125 33,492 SH   SOLE   0 0 33,492
Financial Select Sector SPDR ETF COM 81369y605 202 6,411 SH   SOLE   0 0 6,411
First Busey Corp. COM 319383204 843 36,871 SH   SOLE   0 0 36,871
Gallagher, Arthur J & Co. COM 363576109 383 2,350 SH   SOLE   0 0 2,350
Intercontinental Exchange Group COM 45866f104 7,512 79,884 SH   SOLE   0 0 79,884
J.P. Morgan Chase & Co. COM 46625H100 1,084 9,624 SH   SOLE   0 0 9,624
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104 93 17,450 SH   SOLE   0 0 17,450
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104 115 21,490 SH   SOLE   0 0 21,490
Moody's Corp. COM 615369105 280 1,030 SH   SOLE   0 0 1,030
Morgan Stanley COM 617446448 244 3,210 SH   SOLE   0 0 3,210
Old Republic Nat'l. Corp. COM 680223104 1,564 69,930 SH   SOLE   0 0 69,930
PNC Financial Svcs. COM 693475105 222 1,410 SH   SOLE   0 0 1,410
PacWest Bancorp COM 695263103 1,059 39,741 SH   SOLE   0 0 39,741
Prudential Financial, Inc. COM 744320102 223 2,330 SH   SOLE   0 0 2,330
Regions Financial Corp. COM 7591ep100 2,880 153,589 SH   SOLE   0 0 153,589
S&P Global, Inc. COM 78409v104 5,716 16,958 SH   SOLE   0 0 16,958
State Street Corp. COM 857477103 512 8,300 SH   SOLE   0 0 8,300
Sun Life Financial, Inc. COM 866796105 253 5,518 SH   SOLE   0 0 5,518
Travelers Companies Inc. COM 89417E109 472 2,790 SH   SOLE   0 0 2,790
Truist Financial Corp. COM 89832q109 455 9,590 SH   SOLE   0 0 9,590
UBS Group AG COM h42097107 225 13,900 SH   SOLE   0 0 13,900
Umpqua Holdings Corp. COM 904214103 1,321 78,759 SH   SOLE   0 0 78,759
Virtu Financial Inc COM 928254101 1,138 48,603 SH   SOLE   0 0 48,603
AbbVie, Inc. COM 00287y109 2,972 19,408 SH   SOLE   0 0 19,408
Abbott Laboratories COM 002824100 1,785 16,429 SH   SOLE   0 0 16,429
Amgen, Inc. COM 031162100 330 1,357 SH   SOLE   0 0 1,357
AstraZeneca PLC ADR COM 046353108 497 7,528 SH   SOLE   0 0 7,528
Becton Dickinson & Co. COM 075887109 655 2,657 SH   SOLE   0 0 2,657
Bristol-Myers Squibb COM 110122108 607 7,877 SH   SOLE   0 0 7,877
CVS Health Corp. COM 126650100 10,594 114,330 SH   SOLE   0 0 114,330
Cardinal Health COM 14149y108 1,547 29,603 SH   SOLE   0 0 29,603
Cellectar Biosciences, Inc. COM 15117F807 23 56,000 SH   SOLE   0 0 56,000
Edwards Lifesciences Corp. COM 28176E108 277 2,916 SH   SOLE   0 0 2,916
Elevance Health COM 036752103 2,358 4,886 SH   SOLE   0 0 4,886
First Trust NYSE Arca Biotech ETF COM 33733e203 325 2,395 SH   SOLE   0 0 2,395
Gilead Sciences Inc. COM 375558103 218 3,531 SH   SOLE   0 0 3,531
GlaxoSmithKline PLC COM 37733w204 492 11,295 SH   SOLE   0 0 11,295
HCA Healthcare Co. COM 40412c101 6,212 36,965 SH   SOLE   0 0 36,965
Health Care Select Sector SPDR ETF COM 81369y209 368 2,872 SH   SOLE   0 0 2,872
Hologic, Inc. COM 436440101 1,216 17,550 SH   SOLE   0 0 17,550
Horizon Pharma PLC COM g46188101 3,755 47,080 SH   SOLE   0 0 47,080
IShares US Healthcare ETF COM 464287762 636 2,365 SH   SOLE   0 0 2,365
Johnson & Johnson COM 478160104 2,567 14,460 SH   SOLE   0 0 14,460
Laboratory Corp. Am. Hldgs. COM 50540r409 348 1,485 SH   SOLE   0 0 1,485
Lilly (Eli) COM 532457108 917 2,829 SH   SOLE   0 0 2,829
Merck & Co Inc. COM 58933y105 4,159 45,617 SH   SOLE   0 0 45,617
Microport Scientific Corp. COM g60837104 1,438 504,670 SH   SOLE   0 0 504,670
Moderna Inc. COM 60770k107 247 1,726 SH   SOLE   0 0 1,726
Novartis AG ADR COM 66987v109 296 3,498 SH   SOLE   0 0 3,498
Novo Nordisk A.S. ADR COM 670100205 582 5,224 SH   SOLE   0 0 5,224
Pfizer, Inc. COM 717081103 3,948 75,309 SH   SOLE   0 0 75,309
Regeneron Pharmaceuticals COM 75886f107 1,998 3,380 SH   SOLE   0 0 3,380
Sanofi-Aventis ADR COM 80105n105 263 5,252 SH   SOLE   0 0 5,252
Thermo Fisher Scientific, Inc. COM 883556102 10,905 20,073 SH   SOLE   0 0 20,073
UnitedHealth Group COM 91324p102 8,395 16,345 SH   SOLE   0 0 16,345
Vanguard World Health Care ETF COM 92204a504 2,492 10,581 SH   SOLE   0 0 10,581
3M Company COM 88579y101 383 2,960 SH   SOLE   0 0 2,960
ABB Ltd. Sponsored ADR COM 000375204 228 8,529 SH   SOLE   0 0 8,529
ASE Technology Holding Co., Ltd. COM 00215w100 52 10,000 SH   SOLE   0 0 10,000
Avis Budget Group, Inc. COM 053774105 296 2,010 SH   SOLE   0 0 2,010
CSX Corp. COM 126408103 222 7,634 SH   SOLE   0 0 7,634
Caterpillar Inc. COM 149123101 950 5,312 SH   SOLE   0 0 5,312
Copart, Inc. COM 217204106 609 5,605 SH   SOLE   0 0 5,605
Cummins Engine Inc. COM 231021106 471 2,432 SH   SOLE   0 0 2,432
Danaher Corp. COM 235851102 537 2,118 SH   SOLE   0 0 2,118
Deere & Co. COM 244199105 6,162 20,575 SH   SOLE   0 0 20,575
Eaton Corp., PLC COM g29183103 379 3,008 SH   SOLE   0 0 3,008
Emerson Electric Co. COM 291011104 324 4,071 SH   SOLE   0 0 4,071
H&E Equipment Services, Inc. COM 404030108 1,624 56,055 SH   SOLE   0 0 56,055
Illinois Tool Works COM 452308109 729 4,001 SH   SOLE   0 0 4,001
Industrial Select Sector SPDR ETF COM 81369y704 379 4,343 SH   SOLE   0 0 4,343
Jacobs Engineering Group, Inc. COM 469814107 2,666 20,970 SH   SOLE   0 0 20,970
Knight-Swift Transportation Holdings, Inc. COM 499049104 459 9,920 SH   SOLE   0 0 9,920
Lockheed Martin Corp. COM 539830109 354 824 SH   SOLE   0 0 824
Masco Corp. COM 574599106 331 6,538 SH   SOLE   0 0 6,538
Norfolk Southern Corp. COM 655844108 343 1,511 SH   SOLE   0 0 1,511
Northrop Grumman COM 666807102 287 599 SH   SOLE   0 0 599
Old Dominion Freight Line, Inc. COM 679580100 302 1,180 SH   SOLE   0 0 1,180
Oshkosh Corp. COM 688239201 277 3,375 SH   SOLE   0 0 3,375
Owens Corning COM 690742101 2,720 36,610 SH   SOLE   0 0 36,610
Quanta Services, Inc. COM 74762e102 3,436 27,414 SH   SOLE   0 0 27,414
RPM Inc. Ohio COM 749685103 2,591 32,919 SH   SOLE   0 0 32,919
Raytheon Technologies Corp. COM 75513e101 391 4,073 SH   SOLE   0 0 4,073
Timken Co. COM 887389104 2,098 39,545 SH   SOLE   0 0 39,545
Union Pacific Corp. COM 907818108 1,382 6,481 SH   SOLE   0 0 6,481
United Parcel Service, Inc. COM 911312106 450 2,467 SH   SOLE   0 0 2,467
United Rentals, Inc. COM 911363109 6,806 28,017 SH   SOLE   0 0 28,017
Waste Management, Inc. COM 94106L109 321 2,098 SH   SOLE   0 0 2,098
WillScot Mobile Mini Hldgs Corp, Cl. A COM 971378104 240 7,400 SH   SOLE   0 0 7,400
American Tower Corp. COM 03027x100 1,752 6,855 SH   SOLE   0 0 6,855
Apartment Income REIT Corp. COM 03750l109 1,148 27,596 SH   SOLE   0 0 27,596
Apartment Invt. & Mgmt Co. (AIMCO) COM 03748r747 177 27,596 SH   SOLE   0 0 27,596
Digital Realty Trust Inc. COM 253868103 1,710 13,174 SH   SOLE   0 0 13,174
IShares Cohen & Steers REIT ETF COM 464287564 287 4,727 SH   SOLE   0 0 4,727
IShares Residential Real Estate Capped ETF COM 464288562 549 6,862 SH   SOLE   0 0 6,862
Realty Income Corp. COM 756109104 1,851 27,123 SH   SOLE   0 0 27,123
Vanguard REIT ETF COM 922908553 746 8,183 SH   SOLE   0 0 8,183
W. P. Carey Inc. COM 92936u109 3,995 48,214 SH   SOLE   0 0 48,214
Adobe Systems, Inc. COM 00724F101 361 987 SH   SOLE   0 0 987
Apple Inc. COM 037833100 22,809 166,828 SH   SOLE   0 0 166,828
Applied Materials COM 038222105 386 4,244 SH   SOLE   0 0 4,244
Arrow Electronics COM 042735100 425 3,790 SH   SOLE   0 0 3,790
Automatic Data Processing COM 053015103 955 4,546 SH   SOLE   0 0 4,546
Broadcom Inc. COM 11135f101 8,975 18,474 SH   SOLE   0 0 18,474
Cisco Systems COM 17275r102 451 10,581 SH   SOLE   0 0 10,581
Debt Resolve Inc. COM 24276r206 0 100,000 SH   SOLE   0 0 100,000
Fidelity National Information Services COM 31620m106 2,938 32,050 SH   SOLE   0 0 32,050
First Solar, Inc. COM 336433107 243 3,562 SH   SOLE   0 0 3,562
Fiserv, Inc. COM 337738108 5,395 60,636 SH   SOLE   0 0 60,636
Hewlett Packard Enterprise Co. COM 42824c109 1,589 119,845 SH   SOLE   0 0 119,845
Honeywell Internat'l. COM 438516106 444 2,552 SH   SOLE   0 0 2,552
I.B.M. COM 459200101 429 3,035 SH   SOLE   0 0 3,035
Infosys Technologies, Ltd. COM 456788108 364 19,662 SH   SOLE   0 0 19,662
Intel Corp. COM 458140100 516 13,806 SH   SOLE   0 0 13,806
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103 2,566 9,154 SH   SOLE   0 0 9,154
Jabil Circuit, Inc. COM 466313103 1,843 35,980 SH   SOLE   0 0 35,980
L3Harris Technologies COM 502431109 346 1,431 SH   SOLE   0 0 1,431
LAM Research Corp. COM 512807108 6,296 14,775 SH   SOLE   0 0 14,775
Leidos Holdings, Inc. COM 525327102 2,671 26,525 SH   SOLE   0 0 26,525
Logitech Internat'l. SA COM H50430232 389 7,480 SH   SOLE   0 0 7,480
MasterCard, Inc. COM 57636q104 7,753 24,574 SH   SOLE   0 0 24,574
Microchip Technology, Inc. COM 595017104 6,419 110,516 SH   SOLE   0 0 110,516
Micron Technology, Inc. COM 595112103 4,563 82,535 SH   SOLE   0 0 82,535
Microsoft Corporation COM 594918104 12,718 49,517 SH   SOLE   0 0 49,517
Nvidia Corp. COM 67066g104 7,591 50,073 SH   SOLE   0 0 50,073
Oracle Corp COM 68389X105 752 10,759 SH   SOLE   0 0 10,759
Orange COM 684060106 234 19,850 SH   SOLE   0 0 19,850
PayChex Inc. COM 704326107 2,987 26,228 SH   SOLE   0 0 26,228
Qualcomm Inc. COM 747525103 2,015 15,772 SH   SOLE   0 0 15,772
Salesforce.com COM 79466l302 2,277 13,798 SH   SOLE   0 0 13,798
Seagate Technology Holdings PLC COM g7997r103 308 4,313 SH   SOLE   0 0 4,313
ServiceNow, Inc. COM 81762p102 217 456 SH   SOLE   0 0 456
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100 717 8,765 SH   SOLE   0 0 8,765
Technology Select Sector SPDR ETF COM 81369y803 322 2,536 SH   SOLE   0 0 2,536
Vanguard Information Technology ETF COM 92204a702 1,893 5,797 SH   SOLE   0 0 5,797
Visa Inc. COM 92826c839 868 4,410 SH   SOLE   0 0 4,410
Air Products & Chem COM 009158106 342 1,421 SH   SOLE   0 0 1,421
Amyris, Inc. COM 03236m200 19 10,450 SH   SOLE   0 0 10,450
BHP Billiton, Ltd. ADR COM 088606108 277 4,926 SH   SOLE   0 0 4,926
Ball Corp. COM 058498106 288 4,184 SH   SOLE   0 0 4,184
Celanese Corp. COM 150870103 2,515 21,382 SH   SOLE   0 0 21,382
Kronos Worldwide, Inc. COM 50105f105 2,034 110,563 SH   SOLE   0 0 110,563
Linde PLC COM g5494j103 233 811 SH   SOLE   0 0 811
Materials Select Sector SPDR ETF COM 81369y100 427 5,806 SH   SOLE   0 0 5,806
Mosaic Co. COM 61945c103 2,247 47,586 SH   SOLE   0 0 47,586
Nucor Corp. COM 670346105 2,494 23,889 SH   SOLE   0 0 23,889
Packaging Corp. of America COM 695156109 1,908 13,874 SH   SOLE   0 0 13,874
Rio Tinto PLC ADR F COM 767204100 209 3,425 SH   SOLE   0 0 3,425
Sherwin Williams Company COM 824348106 5,512 24,616 SH   SOLE   0 0 24,616
Vale S.A. ADR COM 91912e105 170 11,590 SH   SOLE   0 0 11,590
AT&T Inc. COM 00206R102 684 32,641 SH   SOLE   0 0 32,641
Alphabet Inc., Cl. A COM 02079k305 11,068 5,079 SH   SOLE   0 0 5,079
Alphabet Inc., Cl. C COM 02079k107 1,752 801 SH   SOLE   0 0 801
Charter Communications, Inc. COM 16119p108 2,396 5,114 SH   SOLE   0 0 5,114
Comcast Corp., Cl. A COM 20030N101 348 8,867 SH   SOLE   0 0 8,867
Crown Castle Int'l. Corp. COM 22822v101 2,044 12,140 SH   SOLE   0 0 12,140
Meta Platforms, Inc. COM 30303m102 6,749 41,857 SH   SOLE   0 0 41,857
Verizon Communications COM 92343V104 896 17,651 SH   SOLE   0 0 17,651
Vodafone Group PLC ADR COM 92857w308 189 12,160 SH   SOLE   0 0 12,160
Walt Disney Co COM 254687106 648 6,860 SH   SOLE   0 0 6,860
Ameren Corp. COM 023608102 289 3,196 SH   SOLE   0 0 3,196
American Electric Power COM 025537101 290 3,021 SH   SOLE   0 0 3,021
American States Water Co. COM 029899101 2,019 24,765 SH   SOLE   0 0 24,765
Black Hills Corp. COM 092113109 1,324 18,199 SH   SOLE   0 0 18,199
DTE Energy COM 233331107 1,890 14,915 SH   SOLE   0 0 14,915
Dominion Resources COM 25746U109 212 2,655 SH   SOLE   0 0 2,655
Duke Energy Corp COM 26441c204 426 3,973 SH   SOLE   0 0 3,973
Equinor ASA COM 29446m102 354 10,181 SH   SOLE   0 0 10,181
Essentials Utilities Inc. COM 29670g102 1,111 24,232 SH   SOLE   0 0 24,232
Eversource Energy Com. COM 30040w108 290 3,431 SH   SOLE   0 0 3,431
National Grid PLC ADR COM 636274409 283 4,369 SH   SOLE   0 0 4,369
NextEra Energy COM 65339F101 1,502 19,395 SH   SOLE   0 0 19,395
Southern Company COM 842587107 489 6,862 SH   SOLE   0 0 6,862
Veolia Environment ADR COM 92334n103 228 9,322 SH   SOLE   0 0 9,322
Vanguard ESG US Stock - ETF COM 921910733 348 5,246 SH   SOLE   0 0 5,246
First Trust Lunt U.S. Factor Rotation ETF COM 33733e872 1,259 46,320 SH   SOLE   0 0 46,320
Invesco S&P 500 GARP - ETF COM 46137V431 1,150 14,441 SH   SOLE   0 0 14,441
T. Rowe Price Dividend Growth ETF COM 87283q404 443 14,862 SH   SOLE   0 0 14,862
IShares US Real Estate ETF COM 464287739 325 3,531 SH   SOLE   0 0 3,531
First TR. Ex. Tr. FD N. American Energy COM 33738d101 203 7,869 SH   SOLE   0 0 7,869
Vanguard Small Cap Growth ETF COM 922908595 406 2,060 SH   SOLE   0 0 2,060
IShares Russell 2000 Index ETF COM 464287655 2,693 15,899 SH   SOLE   0 0 15,899
IShares S&P SmallCap 600 Index ETF COM 464287804 2,851 30,849 SH   SOLE   0 0 30,849
Schwab Strategic US Small-Cap ETF COM 808524607 876 22,463 SH   SOLE   0 0 22,463
Vanguard Index Small Cap ETF COM 922908751 4,331 24,595 SH   SOLE   0 0 24,595
First Trust SMID Cap Rising Div Achv ETF COM 33741x102 1,609 67,362 SH   SOLE   0 0 67,362
IShares Russell 2000 Value Index ETF COM 464287630 600 4,408 SH   SOLE   0 0 4,408
IShares S&P SmallCap 600 Barra Value ETF COM 464287879 1,210 13,596 SH   SOLE   0 0 13,596
Vanguard Small Cap Value ETF COM 922908611 500 3,335 SH   SOLE   0 0 3,335
Vanguard Mid-Cap Growth ETF COM 922908538 954 5,438 SH   SOLE   0 0 5,438
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108 1,164 13,910 SH   SOLE   0 0 13,910
IShares Russell Midcap Index ETF COM 464287499 1,860 28,770 SH   SOLE   0 0 28,770
IShares S&P Midcap 400 Index ETF COM 464287507 2,331 10,303 SH   SOLE   0 0 10,303
SPDR S&P MidCap 400 ETF COM 78467y107 1,005 2,431 SH   SOLE   0 0 2,431
Schwab US Mid-Cap ETF COM 808524508 743 11,843 SH   SOLE   0 0 11,843
Vanguard Extended Market ETF COM 922908652 249 1,900 SH   SOLE   0 0 1,900
Vanguard Mid Cap ETF COM 922908629 5,896 29,931 SH   SOLE   0 0 29,931
IShares Russell Midcap Value Index ETF COM 464287473 3,645 35,889 SH   SOLE   0 0 35,889
IShares S&P MidCap 400/Barra Value ETF COM 464287705 1,993 21,115 SH   SOLE   0 0 21,115
Pacer U.S. Cash Cows 100 - ETF COM 69374h881 741 17,203 SH   SOLE   0 0 17,203
Vanguard Mid-Cap Value ETF COM 922908512 2,290 17,678 SH   SOLE   0 0 17,678
First Trust Dow Jones Internet ETF COM 33733e302 249 1,957 SH   SOLE   0 0 1,957
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105 2,012 23,045 SH   SOLE   0 0 23,045
IShares MSCI USA Momentum Factor ETF COM 46432f396 3,754 27,530 SH   SOLE   0 0 27,530
IShares Russell 1000 Growth Index ETF COM 464287614 668 3,053 SH   SOLE   0 0 3,053
Schwab US Large-Cap Growth ETF COM 808524300 683 11,785 SH   SOLE   0 0 11,785
Vanguard Growth ETF COM 922908736 1,345 6,034 SH   SOLE   0 0 6,034
Vanguard Mega Cap Growth ETF COM 921910816 291 1,603 SH   SOLE   0 0 1,603
Vanguard Russell 1000 Growth ETF COM 92206c680 1,983 35,232 SH   SOLE   0 0 35,232
Vanguard S&P 500 Growth ETF COM 921932505 4,219 19,387 SH   SOLE   0 0 19,387
iShares Russell Top 200 Growth ETF COM 464289438 292 2,335 SH   SOLE   0 0 2,335
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109 515 6,770 SH   SOLE   0 0 6,770
First Trust Capital Strength ETF COM 33733E104 3,089 44,168 SH   SOLE   0 0 44,168
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503 4,584 61,175 SH   SOLE   0 0 61,175
IShares - Russell 200 Index ETF COM 464289446 251 2,794 SH   SOLE   0 0 2,794
IShares Edge MSCI USA Quality Factor ETF COM 46432f339 976 8,735 SH   SOLE   0 0 8,735
IShares MSCI USA Minimum Volatility ETF COM 46429b697 3,702 52,722 SH   SOLE   0 0 52,722
IShares Russell 1000 Index Fund ETF COM 464287622 721 3,473 SH   SOLE   0 0 3,473
IShares Russell 3000 Index ETF COM 464287689 3,445 15,847 SH   SOLE   0 0 15,847
IShares S&P 500 Index ETF COM 464287200 497 1,312 SH   SOLE   0 0 1,312
IShares Tr. S&P 1500 Index ETF COM 464287150 220 2,620 SH   SOLE   0 0 2,620
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619 2,055 49,883 SH   SOLE   0 0 49,883
Invesco S&P 500 Low Volatility ETF COM 46138e354 2,798 45,131 SH   SOLE   0 0 45,131
Invesco S&P 500 Quality ETF A COM 46137v241 6,184 147,244 SH   SOLE   0 0 147,244
SPDR S&P 500 ETF COM 78462F103 3,515 9,317 SH   SOLE   0 0 9,317
Schwab US Broad Market ETF COM 808524102 2,672 60,455 SH   SOLE   0 0 60,455
Schwab US Large-Cap ETF COM 808524201 796 17,824 SH   SOLE   0 0 17,824
Vanguard Dividend Appreciation ETF COM 921908844 11,484 80,047 SH   SOLE   0 0 80,047
Vanguard Large Cap ETF COM 922908637 573 3,325 SH   SOLE   0 0 3,325
Vanguard Mega Cap ETF COM 921910873 9,907 75,160 SH   SOLE   0 0 75,160
Vanguard Russell 1000 ETF COM 92206c730 6,256 36,408 SH   SOLE   0 0 36,408
Vanguard Russell 3000 ETF COM 92206c599 420 2,485 SH   SOLE   0 0 2,485
Vanguard S&P 500 ETF COM 922908363 2,900 8,359 SH   SOLE   0 0 8,359
Vanguard Total Stock Market ETF COM 922908769 15,042 79,748 SH   SOLE   0 0 79,748
WisdomTree US Quality Dividend Gr ETF COM 97717x669 428 7,470 SH   SOLE   0 0 7,470
Dimensional US Marketwide Value - ETF COM 25434v724 252 7,982 SH   SOLE   0 0 7,982
First Trust Morningstar Div Leaders ETF COM 336917109 5,084 144,361 SH   SOLE   0 0 144,361
First Trust Rising Dividend Achievers ETF COM 33738r506 3,801 92,897 SH   SOLE   0 0 92,897
First Trust Value Line Dividend ETF COM 33734h106 3,811 98,197 SH   SOLE   0 0 98,197
FlexShares Quality Dividend ETF COM 33939l860 256 5,040 SH   SOLE   0 0 5,040
IShares Core US Value ETF COM 464287663 740 11,065 SH   SOLE   0 0 11,065
IShares Russell 1000 Value Index ETF COM 464287598 242 1,670 SH   SOLE   0 0 1,670
IShares Select Dividend ETF COM 464287168 1,390 11,816 SH   SOLE   0 0 11,816
IShares TR Edge MSCI USA Value Factor ETF COM 46432f388 532 5,875 SH   SOLE   0 0 5,875
Invesco S&P 500 Revenue ETF COM 46138g698 514 7,350 SH   SOLE   0 0 7,350
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467 2,403 28,152 SH   SOLE   0 0 28,152
SPDR Dow Jones Industrial Average ETF COM 78467x109 651 2,114 SH   SOLE   0 0 2,114
SPDR S&P Dividend ETF COM 78464a763 1,926 16,223 SH   SOLE   0 0 16,223
SPDR S&P Value ETF COM 78464a508 2,172 58,990 SH   SOLE   0 0 58,990
Schwab Fundamental US Broad Market ETF COM 808524789 494 9,844 SH   SOLE   0 0 9,844
Schwab US Div Equity ETF COM 808524797 6,522 91,055 SH   SOLE   0 0 91,055
Vanguard High Dividend Yield ETF COM 921946406 1,789 17,587 SH   SOLE   0 0 17,587
Vanguard Russell 1000 Value ETF COM 92206c714 1,016 15,992 SH   SOLE   0 0 15,992
Vanguard S&P 500 Value ETF COM 921932703 313 2,353 SH   SOLE   0 0 2,353
Vanguard Value ETF COM 922908744 1,443 10,938 SH   SOLE   0 0 10,938
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307 444 7,520 SH   SOLE   0 0 7,520
WisdomTree International Hdgd Div Gr ETF COM 97717x594 967 25,838 SH   SOLE   0 0 25,838
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107 1,954 70,365 SH   SOLE   0 0 70,365
IShares MSCI EAFE ETF COM 464287465 535 8,567 SH   SOLE   0 0 8,567
Vanguard FTSE All-World (ex. US) ETF COM 922042775 1,873 37,493 SH   SOLE   0 0 37,493
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858 491 12,045 SH   SOLE   0 0 12,045
XTrackers MSCI EAFE Hedged Equity ETF COM 233051200 455 13,076 SH   SOLE   0 0 13,076
Goldman Sachs ActiveBeta Emerging Mkts ETF COM 381430206 724 24,351 SH   SOLE   0 0 24,351
SPDR S&P Emerging Markets ETF COM 78463x509 231 6,630 SH   SOLE   0 0 6,630
Vanguard Emerging Mkts. ETF COM 922042858 976 23,444 SH   SOLE   0 0 23,444
First TR Global Tactical Commodity ETF COM 33739h101 2,736 102,234 SH   SOLE   0 0 102,234
SPDR Gold Shares ETF COM 78463v107 714 4,237 SH   SOLE   0 0 4,237
Highlands REIT Inc. COM per431522 14 47,624 SH   SOLE   0 0 47,624