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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Apple Inc. COM 037833100   42,409,975 169,355 SH   SOLE   0 0 169,355
ABB Ltd. Sponsored ADR COM 000375204   221,393 4,122 SH   SOLE   0 0 4,122
AbbVie, Inc. COM 00287y109   3,219,835 18,120 SH   SOLE   0 0 18,120
Abbott Laboratories COM 002824100   1,840,356 16,271 SH   SOLE   0 0 16,271
Accenture, Ltd. COM g1151c101   235,699 670 SH   SOLE   0 0 670
Adobe Systems, Inc. COM 00724F101   315,723 710 SH   SOLE   0 0 710
Analog Devices Inc. COM 032654105   306,367 1,442 SH   SOLE   0 0 1,442
Archer Daniels Midland COM 039483102   6,427,351 127,224 SH   SOLE   0 0 127,224
Automatic Data Processing COM 053015103   1,585,865 5,418 SH   SOLE   0 0 5,418
Autodesk COM 052769106   286,703 970 SH   SOLE   0 0 970
Ameren Corp. COM 023608102   438,333 4,917 SH   SOLE   0 0 4,917
AFLAC, Inc. COM 001055102   1,314,373 12,707 SH   SOLE   0 0 12,707
AGNC Investment Corp COM 00123q104   885,670 96,164 SH   SOLE   0 0 96,164
Gallagher, Arthur J & Co. COM 363576109   458,844 1,617 SH   SOLE   0 0 1,617
Allete, Inc. COM 018522300   2,173,651 33,544 SH   SOLE   0 0 33,544
Applied Materials COM 038222105   596,364 3,667 SH   SOLE   0 0 3,667
Advanced Micro Devices COM 007903107   723,894 5,993 SH   SOLE   0 0 5,993
Amgen, Inc. COM 031162100   467,849 1,795 SH   SOLE   0 0 1,795
American Tower Corp. COM 03027x100   261,176 1,424 SH   SOLE   0 0 1,424
Amazon.com, Inc. COM 023135106   21,801,004 99,371 SH   SOLE   0 0 99,371
Arista Networks, Inc. COM 040413205   481,027 4,352 SH   SOLE   0 0 4,352
Air Products & Chem COM 009158106   430,419 1,484 SH   SOLE   0 0 1,484
Apple Hospitality REIT, Inc. COM 03784Y200   1,432,186 93,302 SH   SOLE   0 0 93,302
AppLovin Corporation COM 03831w108   12,012,798 37,096 SH   SOLE   0 0 37,096
ASML Hldg N V COM n07059210   4,815,520 6,948 SH   SOLE   0 0 6,948
Avantis International Equity - ETF COM 025072703   262,541 4,278 SH   SOLE   0 0 4,278
Avantis Emerging Markets Equity - ETF COM 025072604   619,941 10,545 SH   SOLE   0 0 10,545
Broadcom Inc. COM 11135f101   26,151,552 112,800 SH   SOLE   0 0 112,800
Avnet Inc. COM 053807103   2,411,115 46,084 SH   SOLE   0 0 46,084
American Centy ETF TR Avantis US Equity COM 025072885   1,455,260 15,014 SH   SOLE   0 0 15,014
Avantis U.S. Small Cap Value - ETF COM 025072877   2,899,447 30,037 SH   SOLE   0 0 30,037
American States Water Co. COM 029899101   2,021,497 26,010 SH   SOLE   0 0 26,010
American Express COM 025816109   1,114,736 3,756 SH   SOLE   0 0 3,756
Axis Capital Holdings Ltd. COM g0692u109   622,556 7,025 SH   SOLE   0 0 7,025
AstraZeneca PLC ADR COM 046353108   2,254,150 34,404 SH   SOLE   0 0 34,404
AutoZone, Inc. COM 053332102   240,150 75 SH   SOLE   0 0 75
Bank of America COM 060505104   471,759 10,734 SH   SOLE   0 0 10,734
Barings BDC, Inc. COM 06759l103   151,914 15,874 SH   SOLE   0 0 15,874
Best Buy Company, Inc. COM 086516101   2,271,469 26,474 SH   SOLE   0 0 26,474
Becton Dickinson & Co. COM 075887109   562,864 2,481 SH   SOLE   0 0 2,481
Black Hills Corp. COM 092113109   1,065,005 18,199 SH   SOLE   0 0 18,199
Booking Holdings, Inc. COM 09857l108   551,495 111 SH   SOLE   0 0 111
Blackrock, Inc. COM 09290d101   216,298 211 SH   SOLE   0 0 211
Bank of Montreal COM 063671101   271,449 2,797 SH   SOLE   0 0 2,797
Bristol-Myers Squibb COM 110122108   362,380 6,407 SH   SOLE   0 0 6,407
BP Amoco PLC ADR COM 055622104   1,295,260 43,818 SH   SOLE   0 0 43,818
Berkshire Hathaway, Cl. A COM 084670108   680,920 1 SH   SOLE   0 0 1
Berkshire Hathaway, Cl. B COM 084670702   5,994,628 13,225 SH   SOLE   0 0 13,225
FT CBOE Vest Fund of Buffer - ETF COM 33740f755   1,195,356 39,231 SH   SOLE   0 0 39,231
First Busey Corp. COM 319383204   8,470,492 359,376 SH   SOLE   0 0 359,376
Blackstone Group Inc. Cl. A COM 09260d107   16,717,356 96,957 SH   SOLE   0 0 96,957
Cardinal Health COM 14149y108   3,057,280 25,850 SH   SOLE   0 0 25,850
Pacer U.S. Small Cap Cash Cows 100 - ETF COM 69374H857   4,323,246 98,233 SH   SOLE   0 0 98,233
Cal-Maine Foods, Inc. COM 128030202   3,030,685 29,447 SH   SOLE   0 0 29,447
Caseys General Stores, Inc. COM 147528103   309,059 780 SH   SOLE   0 0 780
Caterpillar Inc. COM 149123101   2,780,251 7,664 SH   SOLE   0 0 7,664
Coca Cola European Partners PLC COM g25839104   416,464 5,422 SH   SOLE   0 0 5,422
Capital Group Dividend Value - ETF COM 14020w106   1,960,367 55,597 SH   SOLE   0 0 55,597
Capital Group Growth - ETF COM 14020g101   4,685,456 126,055 SH   SOLE   0 0 126,055
Capital Group Core Equity - ETF COM 14020v108   705,852 20,185 SH   SOLE   0 0 20,185
First Trust NASDAQ Cybersecurity - ETF COM 33734X846   210,844 3,323 SH   SOLE   0 0 3,323
Civitas Resources, Inc. COM 17888h103   615,621 13,421 SH   SOLE   0 0 13,421
Colgate Palmolive Co. COM 194162103   521,869 5,741 SH   SOLE   0 0 5,741
Comcast Corp., Cl. A COM 20030N101   201,874 5,379 SH   SOLE   0 0 5,379
Chipotle Mexican Grill, A COM 169656105   14,242,257 236,190 SH   SOLE   0 0 236,190
Cummins Engine Inc. COM 231021106   1,217,660 3,493 SH   SOLE   0 0 3,493
Centene Corp. COM 15135b101   226,630 3,741 SH   SOLE   0 0 3,741
ConocoPhillips COM 20825C104   588,211 5,931 SH   SOLE   0 0 5,931
Cencora, Inc. COM 03073E105   857,154 3,815 SH   SOLE   0 0 3,815
Costco Wholesale Corp. COM 22160K105   16,476,825 17,983 SH   SOLE   0 0 17,983
Pacer Large Cap Cash Cows Growth - ETF COM 69374h360   255,282 7,968 SH   SOLE   0 0 7,968
Pacer U.S. Cash Cows 100 - ETF COM 69374h881   11,851,860 209,842 SH   SOLE   0 0 209,842
Salesforce.com COM 79466l302   4,820,036 14,417 SH   SOLE   0 0 14,417
Crowdstrike Holdings, Inc. COM 22788c105   451,651 1,320 SH   SOLE   0 0 1,320
Cisco Systems COM 17275r102   1,342,301 22,674 SH   SOLE   0 0 22,674
Capital Southwest Corp. COM 140501107   912,818 41,834 SH   SOLE   0 0 41,834
CSX Corp. COM 126408103   243,671 7,551 SH   SOLE   0 0 7,551
Corteva Inc. COM 22052l104   293,287 5,149 SH   SOLE   0 0 5,149
CVS Health Corp. COM 126650100   293,222 6,532 SH   SOLE   0 0 6,532
Chevron Corp. COM 166764100   792,854 5,474 SH   SOLE   0 0 5,474
Delta Airlines Inc. COM 247361702   910,828 15,055 SH   SOLE   0 0 15,055
Deere & Co. COM 244199105   1,009,253 2,382 SH   SOLE   0 0 2,382
Discover Financial Services, Inc. COM 254709108   352,696 2,036 SH   SOLE   0 0 2,036
Dimensional US Marketwide Value - ETF COM 25434v724   431,133 10,536 SH   SOLE   0 0 10,536
WisdomTree US Quality Dividend Gr ETF COM 97717x669   301,464 3,725 SH   SOLE   0 0 3,725
Danaher Corp. COM 235851102   476,087 2,074 SH   SOLE   0 0 2,074
SPDR Dow Jones Industrial Average ETF COM 78467x109   1,133,107 2,663 SH   SOLE   0 0 2,663
Walt Disney Co COM 254687106   706,182 6,342 SH   SOLE   0 0 6,342
Dicks Sporting Goods COM 253393102   2,610,378 11,407 SH   SOLE   0 0 11,407
WisdomTree U.S. LargeCap Dividend ETF COM 97717w307   651,336 8,373 SH   SOLE   0 0 8,373
Digital Realty Trust Inc. COM 253868103   3,520,178 19,851 SH   SOLE   0 0 19,851
Dow Inc. COM 260557103   245,997 6,130 SH   SOLE   0 0 6,130
Duke Energy Corp COM 26441c204   235,902 2,190 SH   SOLE   0 0 2,190
DaVita HealthCare Partners, Inc. COM 23918k108   230,008 1,538 SH   SOLE   0 0 1,538
IShares Select Dividend ETF COM 464287168   1,989,437 15,153 SH   SOLE   0 0 15,153
IShares MSCI EAFE ETF COM 464287465   296,504 3,921 SH   SOLE   0 0 3,921
Everest Reinsur. Group, Ltd. COM g3223r108   230,162 635 SH   SOLE   0 0 635
Edison International COM 281020107   255,887 3,205 SH   SOLE   0 0 3,205
Elevance Health COM 036752103   300,212 814 SH   SOLE   0 0 814
First TR. Ex. Tr. FD N. American Energy COM 33738d101   730,955 20,504 SH   SOLE   0 0 20,504
Emerson Electric Co. COM 291011104   439,084 3,543 SH   SOLE   0 0 3,543
Enbridge Inc. COM 29250n105   2,173,704 51,234 SH   SOLE   0 0 51,234
Eversource Energy Com. COM 30040w108   221,910 3,864 SH   SOLE   0 0 3,864
Vanguard ESG US Stock - ETF COM 921910733   810,672 7,729 SH   SOLE   0 0 7,729
Essent Group Ltd. COM g3198u102   1,368,785 25,143 SH   SOLE   0 0 25,143
Essex Property Trust COM 297178105   1,846,797 6,470 SH   SOLE   0 0 6,470
Eaton Corp., PLC COM g29183103   1,817,652 5,477 SH   SOLE   0 0 5,477
Morgan Stanley Total Return Bond ETF COM 61774r841   205,922 4,130 SH   SOLE   0 0 4,130
Expedia Group Inc. COM 30212p303   5,800,639 31,131 SH   SOLE   0 0 31,131
Fastenal Company COM 311900104   214,615 2,985 SH   SOLE   0 0 2,985
Fidelity Merrimack Str Total Bond Fund ETF COM 316188309   3,086,293 68,783 SH   SOLE   0 0 68,783
First Trust NYSE Arca Biotech ETF COM 33733e203   313,306 1,885 SH   SOLE   0 0 1,885
First Trust Morningstar Div Leaders ETF COM 336917109   6,186,526 153,664 SH   SOLE   0 0 153,664
First Trust Dow Jones Internet ETF COM 33733e302   256,788 1,056 SH   SOLE   0 0 1,056
First Tr Large Cap Core AlphaDex Fd ETF COM 33734k109   816,044 7,824 SH   SOLE   0 0 7,824
Fiserv, Inc. COM 337738108   11,379,035 55,394 SH   SOLE   0 0 55,394
Fifth Third Bancorp COM 316773100   593,611 14,040 SH   SOLE   0 0 14,040
First Trust Water ETF COM 33733b100   1,658,282 16,250 SH   SOLE   0 0 16,250
First Tr TCW Opportunistic Fixed Inc ETF COM 33740f805   831,358 19,347 SH   SOLE   0 0 19,347
Flextronics Internat'l. Ltd. COM Y2573F102   13,147,116 342,462 SH   SOLE   0 0 342,462
First Trust Managed Municipal ETF COM 33739n108   508,277 9,964 SH   SOLE   0 0 9,964
Schwab Fundamental US Small Company ETF COM 808524763   368,901 12,421 SH   SOLE   0 0 12,421
Schwab Fundamental US Broad Market ETF COM 808524789   696,319 29,936 SH   SOLE   0 0 29,936
First Trust Mid Cap Core AlphaDEX ETF COM 33735b108   1,681,916 14,534 SH   SOLE   0 0 14,534
First Trust Preferred Secs & Inc ETF COM 33739e108   208,070 11,755 SH   SOLE   0 0 11,755
Farmland Partners, Inc. COM 31154r109   371,616 31,600 SH   SOLE   0 0 31,600
First Solar, Inc. COM 336433107   340,143 1,930 SH   SOLE   0 0 1,930
First Trust Capital Strength ETF COM 33733E104   2,637,045 30,028 SH   SOLE   0 0 30,028
First Trust Senior Loan Fund ETF COM 33738d309   542,580 11,734 SH   SOLE   0 0 11,734
First Trust Value Line Dividend ETF COM 33734h106   3,414,142 78,234 SH   SOLE   0 0 78,234
Kitwave Group PLC COM g5282g105   43,434 11,029 SH   SOLE   0 0 11,029
Pacer Global Cash Cows Dividend ETF COM 69374h709   666,443 19,752 SH   SOLE   0 0 19,752
General Dynamics COM 369550108   242,674 921 SH   SOLE   0 0 921
General Electric COM 369604301   294,051 1,763 SH   SOLE   0 0 1,763
Gen Digital Inc. COM 668771108   7,184,512 262,400 SH   SOLE   0 0 262,400
Gilead Sciences Inc. COM 375558103   695,592 7,531 SH   SOLE   0 0 7,531
General Mills COM 370334104   2,286,553 35,856 SH   SOLE   0 0 35,856
SPDR Gold Shares ETF COM 78463v107   1,058,454 4,371 SH   SOLE   0 0 4,371
Corning Inc. COM 219350105   2,489,050 52,379 SH   SOLE   0 0 52,379
Alphabet Inc., Cl. C COM 02079k107   3,385,838 17,779 SH   SOLE   0 0 17,779
Alphabet Inc., Cl. A COM 02079k305   19,927,043 105,267 SH   SOLE   0 0 105,267
Genuine Parts Co. COM 372460105   1,319,505 11,301 SH   SOLE   0 0 11,301
Graphic Packaging Holding Company COM 388689101   1,948,730 71,750 SH   SOLE   0 0 71,750
Global Payments Inc. COM 37940x102   652,525 5,823 SH   SOLE   0 0 5,823
Garmin Ltd. COM h2906t109   4,135,513 20,050 SH   SOLE   0 0 20,050
Goldman Sachs Group COM 38141G104   9,610,854 16,784 SH   SOLE   0 0 16,784
Goldman Sachs ActiveBeta Int'l Eq ETF COM 381430107   2,650,232 79,491 SH   SOLE   0 0 79,491
Goldman Sachs ActiveBeta US LargeCp Eq ETF COM 381430503   10,755,650 93,381 SH   SOLE   0 0 93,381
HCA Healthcare Co. COM 40412c101   9,017,707 30,044 SH   SOLE   0 0 30,044
Home Depot, Inc. COM 437076102   9,065,516 23,305 SH   SOLE   0 0 23,305
H&E Equipment Services, Inc. COM 404030108   1,809,562 36,960 SH   SOLE   0 0 36,960
JPMorgan Hedged Equity Laddered Overly ETF COM 46654q724   595,088 9,592 SH   SOLE   0 0 9,592
Pacer FDS TR Cash Cows - ETF COM 69374h659   305,922 8,070 SH   SOLE   0 0 8,070
Hilton Worldwide Holdings, Inc. COM 43300a203   3,482,484 14,090 SH   SOLE   0 0 14,090
Honeywell Internat'l. COM 438516106   706,810 3,129 SH   SOLE   0 0 3,129
Hewlett Packard Enterprise Co. COM 42824c109   2,671,419 125,125 SH   SOLE   0 0 125,125
Ishares Bitcoin Trust COM 46438f101   484,824 9,139 SH   SOLE   0 0 9,139
Interactive Brokers Group, Inc. COM 45841n107   8,707,534 49,287 SH   SOLE   0 0 49,287
I.B.M. COM 459200101   2,331,077 10,604 SH   SOLE   0 0 10,604
Intercontinental Exchange Group COM 45866f104   6,873,086 46,125 SH   SOLE   0 0 46,125
IShares Cohen & Steers REIT ETF COM 464287564   335,829 5,573 SH   SOLE   0 0 5,573
Pacer FDS TR Developed Mrkts Int'l CC ETF COM 69374h873   1,629,587 55,827 SH   SOLE   0 0 55,827
WisdomTree International Hdgd Div Gr ETF COM 97717x594   1,095,882 25,210 SH   SOLE   0 0 25,210
IShares S&P Midcap 400 Index ETF COM 464287507   4,212,833 67,611 SH   SOLE   0 0 67,611
IShares S&P MidCap 400/Barra Value ETF COM 464287705   2,219,290 17,760 SH   SOLE   0 0 17,760
IShares S&P SmallCap 600 Index ETF COM 464287804   6,973,184 60,521 SH   SOLE   0 0 60,521
IShares S&P SmallCap 600 Barra Value ETF COM 464287879   586,614 5,401 SH   SOLE   0 0 5,401
IShares S&P SmallCap 600 Barra Growth ETF COM 464287887   215,915 1,595 SH   SOLE   0 0 1,595
Infosys Technologies, Ltd. COM 456788108   301,071 13,735 SH   SOLE   0 0 13,735
Intel Corp. COM 458140100   238,095 11,875 SH   SOLE   0 0 11,875
International Paper COM 460146103   1,945,970 36,157 SH   SOLE   0 0 36,157
IShares Tr. S&P 1500 Index ETF COM 464287150   260,034 2,022 SH   SOLE   0 0 2,022
Illinois Tool Works COM 452308109   1,918,840 7,568 SH   SOLE   0 0 7,568
IShares Core US Value ETF COM 464287663   329,157 3,555 SH   SOLE   0 0 3,555
Vanguard S&P Mid-Cap 400 Index Fund - ETF COM 921932885   251,723 2,386 SH   SOLE   0 0 2,386
IShares S&P 500 Index ETF COM 464287200   1,186,516 2,016 SH   SOLE   0 0 2,016
IShares S&P 500 Barra Growth Index ETF COM 464287309   356,066 3,507 SH   SOLE   0 0 3,507
IShares Russell 1000 Index Fund ETF COM 464287622   1,048,053 3,253 SH   SOLE   0 0 3,253
IShares Russell 1000 Value Index ETF COM 464287598   403,285 2,178 SH   SOLE   0 0 2,178
IShares Russell 1000 Growth Index ETF COM 464287614   1,088,155 2,710 SH   SOLE   0 0 2,710
IShares - Russell 200 Index ETF COM 464289446   966,040 6,676 SH   SOLE   0 0 6,676
IShares Russell 2000 Index ETF COM 464287655   3,327,838 15,061 SH   SOLE   0 0 15,061
IShares Russell 2000 Value Index ETF COM 464287630   1,467,242 8,937 SH   SOLE   0 0 8,937
IShares Russell Midcap Growth Index ETF COM 464287481   264,654 2,088 SH   SOLE   0 0 2,088
IShares Russell Midcap Index ETF COM 464287499   2,641,463 29,881 SH   SOLE   0 0 29,881
IShares Russell Midcap Value Index ETF COM 464287473   1,115,290 8,623 SH   SOLE   0 0 8,623
IShares Russell 3000 Index ETF COM 464287689   4,866,346 14,559 SH   SOLE   0 0 14,559
iShares Russell Top 200 Growth ETF COM 464289438   4,693,747 19,950 SH   SOLE   0 0 19,950
IShares Core MSCI Total Int'l Stk ETF COM 46432f834   1,494,169 22,591 SH   SOLE   0 0 22,591
IShares US Healthcare ETF COM 464287762   589,401 10,115 SH   SOLE   0 0 10,115
IShares US Real Estate ETF COM 464287739   303,376 3,260 SH   SOLE   0 0 3,260
IShares US Technology ETF COM 464287721   221,733 1,390 SH   SOLE   0 0 1,390
Janus Henderson AAA CLO - ETF COM 47103u845   1,412,726 27,859 SH   SOLE   0 0 27,859
Jabil Circuit, Inc. COM 466313103   3,970,201 27,590 SH   SOLE   0 0 27,590
JPMorgan Equity Premium Income ETF COM 46641q332   991,153 17,228 SH   SOLE   0 0 17,228
JPMorgan Nasdaq Equity Premium Inc ETF COM 46654q203   459,431 8,149 SH   SOLE   0 0 8,149
JPMorgan Active Growth ETF COM 46654q609   734,696 9,067 SH   SOLE   0 0 9,067
John Hancock Multifactor Mid Cap ETF COM 47804J206   529,208 8,860 SH   SOLE   0 0 8,860
JPMorgan Market Expansion Enh Eq - ETF COM 46641q118   774,727 12,812 SH   SOLE   0 0 12,812
JPMorgan Ultra-Short Municipal Inc - ETF COM 46641q654   903,297 17,813 SH   SOLE   0 0 17,813
Johnson & Johnson COM 478160104   2,389,122 16,520 SH   SOLE   0 0 16,520
JPMorgan Equity Focus - ETF COM 46654Q781   9,006,340 134,203 SH   SOLE   0 0 134,203
J.P. Morgan Chase & Co. COM 46625H100   2,980,554 12,434 SH   SOLE   0 0 12,434
JPMorgan Ultra-Short Income ETF COM 46641q837   1,944,082 38,596 SH   SOLE   0 0 38,596
KeyCorp COM 493267108   2,112,865 123,271 SH   SOLE   0 0 123,271
Coca Cola COM 191216100   3,229,862 51,877 SH   SOLE   0 0 51,877
Leidos Holdings, Inc. COM 525327102   846,064 5,873 SH   SOLE   0 0 5,873
Linde PLC COM g54950103   652,079 1,558 SH   SOLE   0 0 1,558
Lilly (Eli) COM 532457108   14,747,409 19,103 SH   SOLE   0 0 19,103
Lockheed Martin Corp. COM 539830109   399,200 822 SH   SOLE   0 0 822
Cheniere Energy, Inc COM 16411r208   7,518,731 34,992 SH   SOLE   0 0 34,992
Alliant Energy Corp. COM 018802108   1,561,000 26,395 SH   SOLE   0 0 26,395
Logitech Internat'l. SA COM H50430232   318,530 3,868 SH   SOLE   0 0 3,868
Lowe's Cos COM 548661107   787,292 3,190 SH   SOLE   0 0 3,190
LAM Research Corp. COM 512807306   11,124,142 154,010 SH   SOLE   0 0 154,010
MasterCard, Inc. COM 57636q104   13,885,388 26,370 SH   SOLE   0 0 26,370
Masco Corp. COM 574599106   477,474 6,580 SH   SOLE   0 0 6,580
McDonalds Corp. COM 580135101   2,625,350 9,056 SH   SOLE   0 0 9,056
Microchip Technology, Inc. COM 595017104   3,529,522 61,544 SH   SOLE   0 0 61,544
Moody's Corp. COM 615369105   506,506 1,070 SH   SOLE   0 0 1,070
Microport Scientific Corp. COM g60837104   399,547 504,670 SH   SOLE   0 0 504,670
Mondelez International, Inc. COM 609207105   687,373 11,508 SH   SOLE   0 0 11,508
SPDR S&P MidCap 400 ETF COM 78467y107   1,368,701 2,403 SH   SOLE   0 0 2,403
MercadoLibre Inc. COM 58733r102   406,405 239 SH   SOLE   0 0 239
Meta Platforms, Inc. COM 30303m102   14,435,749 24,655 SH   SOLE   0 0 24,655
Vanguard Mega Cap ETF COM 921910873   15,090,624 70,961 SH   SOLE   0 0 70,961
Vanguard Mega Cap Growth ETF COM 921910816   514,428 1,498 SH   SOLE   0 0 1,498
3M Company COM 88579y101   459,431 3,559 SH   SOLE   0 0 3,559
Altria Group, Inc. COM 02209S103   727,668 13,916 SH   SOLE   0 0 13,916
VanEck Morningstar Wide Moat - ETF COM 92189f643   1,428,707 15,408 SH   SOLE   0 0 15,408
Marathon Petroleum Corp. COM 56585a102   365,909 2,623 SH   SOLE   0 0 2,623
Merck & Co Inc. COM 58933y105   4,084,137 41,055 SH   SOLE   0 0 41,055
Morgan Stanley COM 617446448   229,439 1,825 SH   SOLE   0 0 1,825
Microsoft Corporation COM 594918104   23,685,920 56,194 SH   SOLE   0 0 56,194
Motorola Solutions, Inc. COM 620076307   465,928 1,008 SH   SOLE   0 0 1,008
M & T Bank Corp. COM 55261f104   1,666,897 8,866 SH   SOLE   0 0 8,866
MGIC Investment Corp. COM 552848103   1,806,987 76,212 SH   SOLE   0 0 76,212
IShares MSCI USA Momentum Factor ETF COM 46432f396   4,952,379 23,934 SH   SOLE   0 0 23,934
Micron Technology, Inc. COM 595112103   923,656 10,975 SH   SOLE   0 0 10,975
iShares National Muni Bond ETF COM 464288414   414,266 3,888 SH   SOLE   0 0 3,888
Mitsubishi UFJ Fin'l. Grp. ADR COM 606822104   210,339 17,947 SH   SOLE   0 0 17,947
PIMCO Intermediate Muni Bd Actv - ETF COM 72201r866   255,805 4,945 SH   SOLE   0 0 4,945
NextEra Energy COM 65339F101   1,110,478 15,490 SH   SOLE   0 0 15,490
National Fuel Gas Co. COM 636180101   1,722,705 28,390 SH   SOLE   0 0 28,390
Netflix Inc. COM 64110L106   913,603 1,025 SH   SOLE   0 0 1,025
ProShares S&P 500 Dividend Aristocrats ETF COM 74348a467   4,786,205 48,078 SH   SOLE   0 0 48,078
Northrop Grumman COM 666807102   273,596 583 SH   SOLE   0 0 583
ServiceNow, Inc. COM 81762p102   320,156 302 SH   SOLE   0 0 302
Norfolk Southern Corp. COM 655844108   323,182 1,377 SH   SOLE   0 0 1,377
Nucor Corp. COM 670346105   2,081,406 17,834 SH   SOLE   0 0 17,834
Nuveen TR ESG Large Cap Growth ETF COM 67092p201   926,649 10,795 SH   SOLE   0 0 10,795
Nvidia Corp. COM 67066g104   25,532,601 190,130 SH   SOLE   0 0 190,130
Novo Nordisk A.S. ADR COM 670100205   1,625,606 18,898 SH   SOLE   0 0 18,898
Novartis AG ADR COM 66987v109   209,995 2,158 SH   SOLE   0 0 2,158
NXP Semiconductors NV Com COM n6596x109   1,387,399 6,675 SH   SOLE   0 0 6,675
Realty Income Corp. COM 756109104   243,656 4,562 SH   SOLE   0 0 4,562
Owens Corning COM 690742101   10,307,766 60,520 SH   SOLE   0 0 60,520
Omnicom Group COM 681919106   1,899,591 22,078 SH   SOLE   0 0 22,078
Invesco Russell 1000 Dynamic Multi ETF COM 46138j619   3,463,236 63,862 SH   SOLE   0 0 63,862
Oracle Corp COM 68389X105   1,625,490 9,755 SH   SOLE   0 0 9,755
Old Republic Nat'l. Corp. COM 680223104   1,818,909 50,260 SH   SOLE   0 0 50,260
Grupo Aeroportuario del Pacifico ADR COM 400506101   211,388 1,208 SH   SOLE   0 0 1,208
Palo Alto Networks, Inc. COM 697435105   2,109,826 11,595 SH   SOLE   0 0 11,595
PayChex Inc. COM 704326107   3,068,084 21,881 SH   SOLE   0 0 21,881
PepsiCo Inc COM 713448108   2,776,372 18,258 SH   SOLE   0 0 18,258
Pfizer, Inc. COM 717081103   913,269 34,424 SH   SOLE   0 0 34,424
Procter and Gamble COM 742718109   2,593,272 15,468 SH   SOLE   0 0 15,468
Sprott Physical Gold Trust COM 85207H104   617,170 30,644 SH   SOLE   0 0 30,644
Pekin Life Insurance Co. COM 705634103   228,773 19,470 SH   SOLE   0 0 19,470
Palantir Technologies, Inc. COM 69608a108   1,043,593 13,799 SH   SOLE   0 0 13,799
Philip Morris Internat'l. COM 718172109   1,582,843 13,152 SH   SOLE   0 0 13,152
PNC Financial Svcs. COM 693475105   212,521 1,102 SH   SOLE   0 0 1,102
Prudential Financial, Inc. COM 744320102   207,428 1,750 SH   SOLE   0 0 1,750
Phillips 66 COM 718546104   4,365,847 38,320 SH   SOLE   0 0 38,320
Putnam Focased Large Cap Value ETF COM 746729300   257,947 6,949 SH   SOLE   0 0 6,949
Quanta Services, Inc. COM 74762e102   4,922,479 15,575 SH   SOLE   0 0 15,575
PIMCO MultiSector Bond Active - ETF COM 72201r585   710,986 27,430 SH   SOLE   0 0 27,430
Qualcomm Inc. COM 747525103   311,465 2,028 SH   SOLE   0 0 2,028
FlexShares Quality Dividend ETF COM 33939l860   202,831 2,875 SH   SOLE   0 0 2,875
American Century U.S. Quality Growth - ETF COM 025072307   364,570 3,657 SH   SOLE   0 0 3,657
First Trust NASDAQ-100 Equal Wtd ETF COM 337344105   3,219,646 25,765 SH   SOLE   0 0 25,765
Invesco QQQ Tr Unit Ser. 1 ETF COM 46090e103   7,208,268 14,100 SH   SOLE   0 0 14,100
IShares Edge MSCI USA Quality Factor ETF COM 46432f339   1,422,510 7,988 SH   SOLE   0 0 7,988
Ferrari N V New Com. COM n3167y103   222,039 520 SH   SOLE   0 0 520
First Trust Rising Dividend Achievers ETF COM 33738r506   5,099,563 86,229 SH   SOLE   0 0 86,229
ProShares S&P MidCap 400 Dividend Aristo. COM 74347b680   1,005,815 12,470 SH   SOLE   0 0 12,470
Regeneron Pharmaceuticals COM 75886f107   2,331,456 3,273 SH   SOLE   0 0 3,273
IShares Residential Real Estate Capped ETF COM 464288562   389,544 4,808 SH   SOLE   0 0 4,808
Regions Financial Corp. COM 7591ep100   223,299 9,494 SH   SOLE   0 0 9,494
Rio Tinto PLC ADR F COM 767204100   559,695 9,517 SH   SOLE   0 0 9,517
RLI Corp. COM 749607107   280,870 1,704 SH   SOLE   0 0 1,704
RPM Inc. Ohio COM 749685103   3,248,307 26,396 SH   SOLE   0 0 26,396
RTX Corp. COM 75513e101   493,199 4,262 SH   SOLE   0 0 4,262
Invesco S&P 500 Revenue ETF COM 46138g698   622,654 6,359 SH   SOLE   0 0 6,359
Saia, Inc. COM 78709Y105   446,615 980 SH   SOLE   0 0 980
Starbucks Corp. COM 855244109   214,301 2,349 SH   SOLE   0 0 2,349
Schwab Strategic US Small-Cap ETF COM 808524607   982,850 38,007 SH   SOLE   0 0 38,007
Schwab US Broad Market ETF COM 808524102   4,192,035 184,671 SH   SOLE   0 0 184,671
Schwab US Div Equity ETF COM 808524797   15,307,348 560,298 SH   SOLE   0 0 560,298
Schwab US Large-Cap Growth ETF COM 808524300   1,025,198 36,785 SH   SOLE   0 0 36,785
Schwab US Mid-Cap ETF COM 808524508   564,785 20,382 SH   SOLE   0 0 20,382
Charles Schwab Corp. COM 808513105   538,252 7,273 SH   SOLE   0 0 7,273
Schwab US Large-Cap ETF COM 808524201   1,098,595 47,394 SH   SOLE   0 0 47,394
First Trust SMID Cap Rising Div Achv ETF COM 33741x102   3,072,204 85,696 SH   SOLE   0 0 85,696
SPDR S&P Dividend ETF COM 78464a763   2,156,095 16,322 SH   SOLE   0 0 16,322
Shell PLC ADR COM 780259305   569,739 9,094 SH   SOLE   0 0 9,094
Sherwin Williams Company COM 824348106   3,968,343 11,674 SH   SOLE   0 0 11,674
Siemens AG ADR COM 826197501   226,715 2,345 SH   SOLE   0 0 2,345
Sun Life Financial, Inc. COM 866796105   260,087 4,383 SH   SOLE   0 0 4,383
iShares MSCI Multifactor USA Small-Cap ETF COM 46434v290   3,947,406 58,480 SH   SOLE   0 0 58,480
Snap-on Incorporated COM 833034101   2,642,512 7,784 SH   SOLE   0 0 7,784
Southern Company COM 842587107   440,412 5,350 SH   SOLE   0 0 5,350
SPDR S&P Emerging Markets ETF COM 78463x509   585,334 15,255 SH   SOLE   0 0 15,255
S&P Global, Inc. COM 78409v104   1,947,297 3,910 SH   SOLE   0 0 3,910
Invesco S&P 500 GARP - ETF COM 46137V431   6,071,875 57,894 SH   SOLE   0 0 57,894
Invesco S&P 500 Quality ETF A COM 46137v241   15,805,795 235,802 SH   SOLE   0 0 235,802
Invesco S&P 500 Low Volatility ETF COM 46138e354   4,223,605 60,337 SH   SOLE   0 0 60,337
Invesco ETF Trust II - S&P500 Momentum ETF COM 46138e339   634,572 6,679 SH   SOLE   0 0 6,679
SPDR S&P 500 ETF COM 78462F103   7,957,237 13,577 SH   SOLE   0 0 13,577
SPDR Portfolio S&P 500 Growth ETF COM 78464a409   293,937 3,344 SH   SOLE   0 0 3,344
SPDR S&P Value ETF COM 78464a508   5,373,370 105,072 SH   SOLE   0 0 105,072
Swiss Re Ltd. COM 870886108   203,137 5,629 SH   SOLE   0 0 5,629
Seagate Technology Holdings PLC COM g7997r103   261,951 3,035 SH   SOLE   0 0 3,035
Constellation Brands, Inc. COM 21036p108   364,208 1,648 SH   SOLE   0 0 1,648
Stryker Corporation COM 863667101   319,724 888 SH   SOLE   0 0 888
AT&T Inc. COM 00206R102   571,196 25,085 SH   SOLE   0 0 25,085
T. Rowe Price Capital Apprec Equity ETF COM 87283q867   373,456 11,225 SH   SOLE   0 0 11,225
T. Rowe Price Dividend Growth ETF COM 87283q404   944,103 23,847 SH   SOLE   0 0 23,847
Terex Corp. COM 880779103   1,246,877 26,977 SH   SOLE   0 0 26,977
Target Corp. COM 87612E106   1,296,647 9,592 SH   SOLE   0 0 9,592
Timken Co. COM 887389104   2,096,137 29,370 SH   SOLE   0 0 29,370
Thermo Fisher Scientific, Inc. COM 883556102   5,412,993 10,405 SH   SOLE   0 0 10,405
T-Mobile US Inc. COM 872590104   4,912,015 22,254 SH   SOLE   0 0 22,254
Targa Resources Corp. COM 87612g101   340,935 1,910 SH   SOLE   0 0 1,910
Travelers Companies Inc. COM 89417E109   627,759 2,606 SH   SOLE   0 0 2,606
Tesla Motors Inc. COM 88160r101   1,862,106 4,611 SH   SOLE   0 0 4,611
Taiwan Semiconductor Mfg. Co. Ltd. COM 874039100   4,718,036 23,890 SH   SOLE   0 0 23,890
T. Rowe Price US Equity Research ETF COM 87283q503   309,188 8,363 SH   SOLE   0 0 8,363
Uber Technologies Inc. COM 90353t100   335,741 5,566 SH   SOLE   0 0 5,566
Universal Health Svcs., Cl. B COM 913903100   4,602,482 25,652 SH   SOLE   0 0 25,652
Unilever PLC ADR COM 904767704   603,912 10,651 SH   SOLE   0 0 10,651
United Microelectronics ADR COM 910873405   83,260 12,829 SH   SOLE   0 0 12,829
UnitedHealth Group COM 91324p102   11,487,575 22,709 SH   SOLE   0 0 22,709
Union Pacific Corp. COM 907818108   681,155 2,987 SH   SOLE   0 0 2,987
United Rentals, Inc. COM 911363109   14,598,815 20,724 SH   SOLE   0 0 20,724
IShares MSCI USA Minimum Volatility ETF COM 46429b697   4,128,974 46,503 SH   SOLE   0 0 46,503
Visa Inc. COM 92826c839   1,773,616 5,612 SH   SOLE   0 0 5,612
Vanguard Index Small Cap ETF COM 922908751   6,900,796 28,720 SH   SOLE   0 0 28,720
Vanguard Small Cap Growth ETF COM 922908595   711,109 2,539 SH   SOLE   0 0 2,539
Vanguard Small Cap Value ETF COM 922908611   652,824 3,294 SH   SOLE   0 0 3,294
Vanguard Tax-Mgd Int'l Dev. Markets ETF COM 921943858   449,340 9,396 SH   SOLE   0 0 9,396
Veolia Environment ADR COM 92334n103   231,193 16,455 SH   SOLE   0 0 16,455
Vanguard FTSE All-World (ex. US) ETF COM 922042775   1,220,766 21,264 SH   SOLE   0 0 21,264
Vanguard Information Technology ETF COM 92204a702   3,221,957 5,182 SH   SOLE   0 0 5,182
Vanguard World Health Care ETF COM 92204a504   2,338,594 9,218 SH   SOLE   0 0 9,218
Vanguard Dividend Appreciation ETF COM 921908844   14,359,900 73,328 SH   SOLE   0 0 73,328
Vanguard REIT ETF COM 922908553   519,559 5,833 SH   SOLE   0 0 5,833
Vanguard Mid Cap ETF COM 922908629   9,859,369 37,328 SH   SOLE   0 0 37,328
Vanguard Mid-Cap Value ETF COM 922908512   1,137,623 7,032 SH   SOLE   0 0 7,032
Vanguard Russell 1000 ETF COM 92206c730   9,558,384 35,837 SH   SOLE   0 0 35,837
Vanguard Russell 1000 Growth ETF COM 92206c680   4,902,659 47,460 SH   SOLE   0 0 47,460
Vanguard Russell 1000 Value ETF COM 92206c714   1,219,024 15,003 SH   SOLE   0 0 15,003
Vanguard S&P 500 ETF COM 922908363   10,954,254 20,330 SH   SOLE   0 0 20,330
Vanguard S&P 500 Growth ETF COM 921932505   7,431,662 20,302 SH   SOLE   0 0 20,302
Vanguard S&P 500 Value ETF COM 921932703   636,618 3,450 SH   SOLE   0 0 3,450
Vanguard Mid-Cap Growth ETF COM 922908538   1,354,193 5,337 SH   SOLE   0 0 5,337
Vertex Pharmaceutical COM 92532F100   362,430 900 SH   SOLE   0 0 900
Vanguard Russell 3000 ETF COM 92206c599   630,804 2,429 SH   SOLE   0 0 2,429
Vanguard Total Stock Market ETF COM 922908769   32,953,663 113,708 SH   SOLE   0 0 113,708
Vanguard Value ETF COM 922908744   1,141,809 6,744 SH   SOLE   0 0 6,744
Vanguard Growth ETF COM 922908736   3,789,030 9,232 SH   SOLE   0 0 9,232
Vanguard Large Cap ETF COM 922908637   791,794 2,936 SH   SOLE   0 0 2,936
Vanguard Emerging Mkts. ETF COM 922042858   545,083 12,377 SH   SOLE   0 0 12,377
Vanguard Extended Market ETF COM 922908652   360,962 1,900 SH   SOLE   0 0 1,900
Vanguard High Dividend Yield ETF COM 921946406   2,768,995 21,702 SH   SOLE   0 0 21,702
Verizon Communications COM 92343V104   331,557 8,291 SH   SOLE   0 0 8,291
Walgreen Boots Alliance Inc. COM 931427108   118,948 12,749 SH   SOLE   0 0 12,749
W D 40 Co. COM 929236107   337,083 1,389 SH   SOLE   0 0 1,389
Wisconsin Energy COM 92939u106   206,324 2,194 SH   SOLE   0 0 2,194
Wells Fargo & Co. COM 949746101   272,742 3,883 SH   SOLE   0 0 3,883
Waste Management, Inc. COM 94106L109   656,423 3,253 SH   SOLE   0 0 3,253
Williams Companies COM 969457100   2,405,093 44,440 SH   SOLE   0 0 44,440
Wal-Mart Stores COM 931142103   4,289,502 47,477 SH   SOLE   0 0 47,477
W. P. Carey Inc. COM 92936u109   2,670,251 49,013 SH   SOLE   0 0 49,013
Materials Select Sector SPDR ETF COM 81369y100   295,584 3,513 SH   SOLE   0 0 3,513
Energy Select Sector SPDR ETF COM 81369y506   784,474 9,158 SH   SOLE   0 0 9,158
Industrial Select Sector SPDR ETF COM 81369y704   460,238 3,493 SH   SOLE   0 0 3,493
Technology Select Sector SPDR ETF COM 81369y803   585,485 2,518 SH   SOLE   0 0 2,518
Health Care Select Sector SPDR ETF COM 81369y209   253,817 1,845 SH   SOLE   0 0 1,845
Exxon Mobil Corp. COM 30231G102   1,562,400 14,525 SH   SOLE   0 0 14,525
AB Ultra Short Income ETF COM 00039j103   895,011 17,776 SH   SOLE   0 0 17,776
Yum Brands, Inc. COM 988498101   306,242 2,283 SH   SOLE   0 0 2,283