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
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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
84,990,175 Berkshire Hathaway A 084990175 695 200 SH   SOLE   200 0 0
AAPL Apple 037833100 2,683 20,220 SH   SOLE   20,220 0 0
ABBV AbbVie Inc. 00287Y109 124 1,161 SH   SOLE   1,161 0 0
ABT Abbott Labs 002824100 160 1,465 SH   SOLE   1,465 0 0
ACN Accenture Plc G1151C101 36 141 SH   SOLE   141 0 0
ADI Analog Devices Inc 032654105 35 241 SH   SOLE   241 0 0
ADP Auto Data Processing 053015103 2,313 13,131 SH   SOLE   13,131 0 0
AEP Amer Elec Pwr 025537101 1,868 22,441 SH   SOLE   22,441 0 0
AFL AFLAC Inc 001055102 7 164 SH   SOLE   164 0 0
AIG American International Group 026874784 13 351 SH   SOLE   351 0 0
AJG Arthur J. Gallagher & Co 363576109 13 109 SH   SOLE   109 0 0
ALC Alcon Inc Ord Shs H01301128 34 425 SH   SOLE   425 0 0
AMRN Amarin Corp PLC ADR 023111206 44 11,800 SH   SOLE   11,800 0 0
AMT American Tower 03027X100 18 84 SH   SOLE   84 0 0
AMZN Amazon.com 023135106 723 222 SH   SOLE   222 0 0
ANTM Anthem Inc 036752103 21 68 SH   SOLE   68 0 0
APD Air Prod & Chemicals 009158106 8 32 SH   SOLE   32 0 0
ARCC Ares Capital Corp 04010L103 16 1,000 SH   SOLE   1,000 0 0
ASML ASML Holding NV N07059210 10 22 SH   SOLE   22 0 0
AXL American Axle & Mfg Holdings Inc 024061103 12 1,497 SH   SOLE   1,497 0 0
AZN AstraZeneca plc 046353108 19 384 SH   SOLE   384 0 0
BABA Alibaba Group Holding Ltd ADR 01609W102 39 169 SH   SOLE   169 0 0
BAC Bank of America Corp 060505104 1 50 SH   SOLE   50 0 0
BDX Becton Dickinson 075887109 26 107 SH   SOLE   107 0 0
BEN Franklin Resources Inc 354613101 24 1,000 SH   SOLE   1,000 0 0
BF.B Brown-Forman Corp 115637209 18 227 SH   SOLE   227 0 0
BLK BlackRock 09247X101 2,352 3,260 SH   SOLE   3,260 0 0
BMY Bristol-Myers Squibb 110122108 11 183 SH   SOLE   183 0 0
BNDX Vanguard Total International Bond ETF 92203J407 314 5,372 SH   SOLE   5,372 0 0
BOND PIMCO Total Return (ETF) 72201R775 157 1,391 SH   SOLE   1,391 0 0
BR Broadridge Financial Solutions Inc 11133T103 23 152 SH   SOLE   152 0 0
BRKB Berkshire Hathaway B 084670702 472 2,038 SH   SOLE   2,038 0 0
BRO Brown & Brown Inc 115236101 23 504 SH   SOLE   504 0 0
C Citigroup 172967424 29 476 SH   SOLE   476 0 0
CARR Carrier Global Corp-Wi 14448C104 1 47 SH   SOLE   47 0 0
CAT Caterpillar Inc. 149123101 2,154 11,839 SH   SOLE   11,839 0 0
CATH Global X S&P 500 Catholic Values ETF 37954Y889 123 2,668 SH   SOLE   2,668 0 0
CB Chubb Corp H1467J104 7 48 SH   SOLE   48 0 0
CBSH Commerce Bancshares Inc 200525103 16 249 SH   SOLE   249 0 0
CBU Community Bank System Inc 203607106 30 496 SH   SOLE   496 0 0
CCL Carnival Corp. 143658300 2 111 SH   SOLE   111 0 0
CL Colgate Palmolive 194162103 469 5,482 SH   SOLE   5,482 0 0
CMCSA Comcast Corp. 20030N101 19 373 SH   SOLE   373 0 0
CNI Canadian Natl Railway 136375102 21 200 SH   SOLE   200 0 0
CP Canadian Pacific Railway Ltd 13645T100 26 75 SH   SOLE   75 0 0
CRH CRH PLC 12626K203 7 167 SH   SOLE   167 0 0
CSCO Cisco Systems, Inc. 17275R102 7 170 SH   SOLE   170 0 0
CVS CVS Health Corp 126650100 2,126 31,132 SH   SOLE   31,132 0 0
CVX Chevron Corporation 166764100 2 42 SH   SOLE   42 0 0
CXSE WisdomTree China ex-State-Owd Entpr ETF 97717X719 7,732 117,566 SH   SOLE   117,566 0 0
DAL Delta Air Lines Inc 247361702 19 490 SH   SOLE   490 0 0
DDOG DATADOG INC CL A 23804L103 9 100 SH   SOLE   100 0 0
DFS Discover Financial Svcs 254709108 8 90 SH   SOLE   90 0 0
DG Dollar General Corp 256677105 19 94 SH   SOLE   94 0 0
ECL Ecolab 278865100 15 72 SH   SOLE   72 0 0
EQIX Equinix Inc 29444U700 4 7 SH   SOLE   7 0 0
EV Eaton Vance Corporation 278265103 3 55 SH   SOLE   55 0 0
EVOK Evoke Pharma Inc 30049G104 9 3,540 SH   SOLE   3,540 0 0
EW Edward Lifesciences 28176E108 135 1,470 SH   SOLE   1,470 0 0
F Ford Motor Co. 345370860 94 10,905 SH   SOLE   10,905 0 0
FDS Factset Research Systems 303075105 21 65 SH   SOLE   65 0 0
FE First Energy 337932107 9 306 SH   SOLE   306 0 0
FMB First Trust Managed Municipal ETF 33739N108 11,854 208,959 SH   SOLE   208,959 0 0
FTS Fortis Inc 349553107 9 225 SH   SOLE   225 0 0
GD General Dynamics 369550108 15 107 SH   SOLE   107 0 0
GILD Gilead Sciences Inc 375558103 1,596 27,396 SH   SOLE   27,396 0 0
GIS General Mills 370334104 26 450 SH   SOLE   450 0 0
GLW Corning Inc. 219350105 9 257 SH   SOLE   257 0 0
GMICF Genworth MI Canada Inc 37252B102 3 100 SH   SOLE   100 0 0
GOOG Google Inc. 02079K107 704 402 SH   SOLE   402 0 0
GOOGL Google Inc. 02079K305 294 168 SH   SOLE   168 0 0
HON Honeywell Inc. 438516106 3 17 SH   SOLE   17 0 0
HYG iShares High Yield Corporate Bond (ETF) 464288513 8 92 SH   SOLE   92 0 0
IAGG iShares Core International Aggt Bd ETF 46435G672 81 1,455 SH   SOLE   1,455 0 0
IBM International Business Machines Corp. 459200101 121 965 SH   SOLE   965 0 0
IGV iShares North American Tech-Software (ETF) 464287515 13,109 37,021 SH   SOLE   37,021 0 0
IHI iShares U.S. Medical Devices (ETF) 464288810 10,526 32,163 SH   SOLE   32,163 0 0
IJR iShares Core S&P Small-Cap (ETF) 464287804 3 41 SH   SOLE   41 0 0
INTC Intel 458140100 31 750 SH   SOLE   750 0 0
IT Gartner Inc 366651107 12 77 SH   SOLE   77 0 0
ITW Illinois Tool Works 452308109 1,856 9,108 SH   SOLE   9,108 0 0
IVW iShares S&P 500 Growth 464287309 20 328 SH   SOLE   328 0 0
IWD iShares Russell 1000 Value (ETF) 464287598 8 60 SH   SOLE   60 0 0
JCI Johnson Controls G51502105 3 81 SH   SOLE   81 0 0
JKHY Jack Henry & Associates Inc 426281101 23 142 SH   SOLE   142 0 0
JNJ Johnson & Johnson 478160104 72 460 SH   SOLE   460 0 0
JPM JP Morgan Chase 46625H100 116 915 SH   SOLE   915 0 0
LGND Ligand Pharmaceuticals Inc 53220K504 4 42 SH   SOLE   42 0 0
LHX L3Harris Technologies Ord 502431109 30 164 SH   SOLE   164 0 0
LIN Linde plc G5494J103 8 34 SH   SOLE   34 0 0
LLY Eli Lilly & Co 532457108 25 150 SH   SOLE   150 0 0
LMT Lockheed Martin 539830109 8 24 SH   SOLE   24 0 0
LOPE Grand Canyon Education Inc 38526M106 12 131 SH   SOLE   131 0 0
LOW Lowe's Companies 548661107 57 359 SH   SOLE   359 0 0
MA MasterCard Inc. 57636Q104 3 2 SH   SOLE   2 0 0
MAIN Main Street Capital Corp 56035L104 32 1,000 SH   SOLE   1,000 0 0
MCD McDonalds Corp 580135101 1,752 8,163 SH   SOLE   8,163 0 0
MDLZ Mondelez International 609207105 8 148 SH   SOLE   148 0 0
MDT Medtronic Inc. G5960L103 345 2,953 SH   SOLE   2,953 0 0
MGV Vanguard Mega Cap Value ETF 921910840 1,882 21,682 SH   SOLE   21,682 0 0
MINT PIMCO Enhanced Short Maturity ETF 72201R833 3 38 SH   SOLE   38 0 0
MKC McCormick & Co Inc Non-Voting 579780206 22 240 SH   SOLE   240 0 0
MMC Marsh & Mclennan Companies Inc 571748102 3 30 SH   SOLE   30 0 0
MMM 3M Company 88579Y101 1,865 10,672 SH   SOLE   10,672 0 0
MO Altria Group 02209S103 16 400 SH   SOLE   400 0 0
MPC Marathon Petroleum 56585A102 10 244 SH   SOLE   244 0 0
MRK Merck & Co. 58933Y105 1,732 21,177 SH   SOLE   21,177 0 0
MS Morgan Stanley 617446448 22 330 SH   SOLE   330 0 0
MSFT Microsoft 594918104 113 506 SH   SOLE   506 0 0
MSI Motorola Solutions Inc. 620076307 8 50 SH   SOLE   50 0 0
MTRAF Metro Inc 59162N109 15 350 SH   SOLE   350 0 0
MUB iShares S&P National Muni Bond (ETF) 464288414 47 406 SH   SOLE   406 0 0
MUR Murphy Oil Corp 626717102 1 114 SH   SOLE   114 0 0
NDSN Nordson Corp 655663102 10 52 SH   SOLE   52 0 0
NEE NextEra Energy 65339F101 51 664 SH   SOLE   664 0 0
NFLX Netflix Inc 64110L106 389 720 SH   SOLE   720 0 0
NNI Nelnet Inc 64031N108 9 138 SH   SOLE   138 0 0
NOC Northrop Grumman Corp. 666807102 5 17 SH   SOLE   17 0 0
NRZ New Residential Invt Corp Com New 64828T201 2 250 SH   SOLE   250 0 0
NSC Norfolk Southern 655844108 10 46 SH   SOLE   46 0 0
NSRGY NESTLE SA ADR 641069406 6 48 SH   SOLE   48 0 0
NVDA NVIDIA Corp 67066G104 15 32 SH   SOLE   32 0 0
O Realty Income Corp 756109104 31 500 SH   SOLE   500 0 0
OEF iShares S&P 100 Index (ETF) 464287101 23 135 SH   SOLE   135 0 0
OGE OGE Energy Corp 670837103 31 1,000 SH   SOLE   1,000 0 0
ORCL Oracle Corp 68389X105 19 298 SH   SOLE   298 0 0
OTIS OTIS Worldwide Corp-Wi 68902V107 1 23 SH   SOLE   23 0 0
PACW PacWest Bancorp 695263103 3 156 SH   SOLE   156 0 0
PANW Palo Alto Networks Inc 697435105 464 1,307 SH   SOLE   1,307 0 0
PAYX Paychex Inc. 704326107 26 288 SH   SOLE   288 0 0
PBA Pembina Pipeline Corp 706327103 23 1,000 SH   SOLE   1,000 0 0
PEG Public Service Enterprise Group 744573106 4 77 SH   SOLE   77 0 0
PEP PepsiCo 713448108 33 222 SH   SOLE   222 0 0
PFG Principal Financial Group Inc 74251V102 12 249 SH   SOLE   249 0 0
PG Procter & Gamble 742718109 37 269 SH   SOLE   269 0 0
PHG Royal Philips NV ADR 500472303 19 361 SH   SOLE   361 0 0
PM Philip Morris 718172109 19 235 SH   SOLE   235 0 0
PPG PPG Industries 693506107 2 18 SH   SOLE   18 0 0
QCOM QUALCOMM Inc 747525103 10 68 SH   SOLE   68 0 0
QSR Restaurant Brands Intl Inc com 76131D103 13 225 SH   SOLE   225 0 0
RCI Rogers Comm. 775109200 2 50 SH   SOLE   50 0 0
RHHBY Roche Holding AG ADR 771195104 38 870 SH   SOLE   870 0 0
ROST Ross Stores Inc 778296103 14 114 SH   SOLE   114 0 0
RSP Ryd. S&P 500 Eq. Wt. 46137V357 19 152 SH   SOLE   152 0 0
RTX Raytheon Technologies Ord 75513E101 3 47 SH   SOLE   47 0 0
RWJ Invesco S&P SmallCap 600 Revenue ETF 46138G664 11 138 SH   SOLE   138 0 0
RY Royal Bank of Canada 780087102 34 425 SH   SOLE   425 0 0
SBUX Starbucks Corp 855244109 21 200 SH   SOLE   200 0 0
SCHA Schwab U.S. Small Idx. 808524607 2 23 SH   SOLE   23 0 0
SCHB Schwab U.S. Broad Market 808524102 5,105 56,106 SH   SOLE   56,106 0 0
SCHE Schwab Emerging Markets Equity ETF 808524706 47 1,540 SH   SOLE   1,540 0 0
SCHF Schwab Int'l Equity 808524805 160 4,460 SH   SOLE   4,460 0 0
SCHG Schwab US Large-Cap Growth 808524300 866 6,744 SH   SOLE   6,744 0 0
SCHX Schwab US Large-Cap ETF 808524201 12 138 SH   SOLE   138 0 0
SCHZ Schwab US Aggregate Bond ETF 808524839 311 5,551 SH   SOLE   5,551 0 0
SE Sea Limited 81141R100 13 69 SH   SOLE   69 0 0
SNE Sony Corp 835699307 48 479 SH   SOLE   479 0 0
SPLV PowerShares S&P 500 Low Volatility ETF 46138E354 17 319 SH   SOLE   319 0 0
SRNE Sorrento Therapeutics Inc 83587F202 24 3,600 SH   SOLE   3,600 0 0
STZ Constellation Brands Inc 21036P108 30 138 SH   SOLE   138 0 0
SYK Stryker Corp. 863667101 24 98 SH   SOLE   98 0 0
SYY Sysco Corporation 871829107 23 313 SH   SOLE   313 0 0
TD Toronto Dominion Bank 891160509 33 600 SH   SOLE   600 0 0
TIF Tiffany & Co 886547108 6 52 SH   SOLE   52 0 0
TJX TJX Companies Inc 872540109 34 504 SH   SOLE   504 0 0
TMFC Rbb Fd Inc Motley Fol Etf 74933W601 17 500 SH   SOLE   500 0 0
TOTL SPDR DoubleLine Total Return Tact ETF 78467V848 183 3,718 SH   SOLE   3,718 0 0
TRV The Travelers Companies 89417E109 15 110 SH   SOLE   110 0 0
TTC Toro Co 891092108 17 180 SH   SOLE   180 0 0
TXN Texas Instruments 882508104 20 127 SH   SOLE   127 0 0
UHAL Amerco Inc 023586100 4 10 SH   SOLE   10 0 0
UL Unilever plc (ADR) 904767704 12 201 SH   SOLE   201 0 0
UNH Unitedhealth Group 91324P102 27 78 SH   SOLE   78 0 0
UNP Union Pacific Corp 907818108 4 24 SH   SOLE   24 0 0
URI United Rentals Inc 911363109 16 72 SH   SOLE   72 0 0
USMV iShares Edge MSCI Min Vol USA 46429B697 7,025 103,495 SH   SOLE   103,495 0 0
VCIT Vanguard Intermediate-Term Corporate Bond (ETF) 92206C870 36 376 SH   SOLE   376 0 0
VFC V.F. Corporation 918204108 10 127 SH   SOLE   127 0 0
VIG Vanguard Dividend Appreciation (ETF) 921908844 33,785 239,322 SH   SOLE   239,322 0 0
VNOM Viper Energy Partners LP 92763M105 3 300 SH   SOLE   300 0 0
VOO Vanguard 500 ETF 922908363 9 29 SH   SOLE   29 0 0
VSGX Vanguard ESG International Stock ETF 921910725 5,573 94,032 SH   SOLE   94,032 0 0
VTEB Vanguard Tax-Exempt Bond ETF 922907746 734 13,306 SH   SOLE   13,306 0 0
VTI Vanguard Total Stock Market (ETF) 922908769 16,530 84,926 SH   SOLE   84,926 0 0
VTV Vanguard Value ETF 922908744 2 20 SH   SOLE   20 0 0
VUG Vanguard Growth ETF 922908736 40,354 159,288 SH   SOLE   159,288 0 0
VZ Verizon Communications 92343V104 65 1,120 SH   SOLE   1,120 0 0
WASH Washington Trust Bancorp Inc 940610108 44 1,000 SH   SOLE   1,000 0 0
WMT Wal-Mart Stores Inc. 931142103 32 228 SH   SOLE   228 0 0
XOM Exxon Mobil Corp 30231G102 28 700 SH   SOLE   700 0 0
XYL XYLEM INC 98419M100 16 165 SH   SOLE   165 0 0