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
Expires: July 31, 2015
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
American Funds Income Fd Of Am BDFUND 453320103 475,453 18,726 SH SOLE 9,363 0 9,363
Barings Corporate Investors (M BDFUND 06759x107 7,243,616 309,028 SH SOLE 154,514 0 154,514
Barings Participation Investor BDFUND 06761a103 924,976 52,466 SH SOLE 26,233 0 26,233
IShares 0-5 Year TIPS ETF (STI BDFUND 46429b747 1,319,242 12,750 SH SOLE 6,375 0 6,375
IShares Nat'l Muni Bond ETF (M BDFUND 464288414 3,990,060 37,842 SH SOLE 18,921 0 18,921
IShares Short Term Nat'l Muni BDFUND 464288158 3,828,000 36,250 SH SOLE 18,125 0 18,125
IShares TIPS ETF (TIP) BDFUND 464287176 5,771,599 51,954 SH SOLE 25,977 0 25,977
Invesco Bulletshares 2025 Corp BDFUND 46138j825 1,266,154 61,226 SH SOLE 30,613 0 30,613
Invesco Bulletshares 2026 Corp BDFUND 46138j791 457,312 23,476 SH SOLE 11,738 0 11,738
Invesco Bulletshares 2027 Corp BDFUND 46138j783 475,645 24,280 SH SOLE 12,140 0 12,140
SPDR Bloomberg Inter Floating BDFUND 78468r200 34,676,075 1,125,116 SH SOLE 562,558 0 562,558
SPDR Intermediate Corp Bond ET BDFUND 78464a375 400,542 12,050 SH SOLE 6,025 0 6,025
Schwab US Aggregate Bond ETF ( BDFUND 808524839 2,966,796 128,100 SH SOLE 64,050 0 64,050
Schwab US TIPS ETF (SCHP) BDFUND 808524870 5,365,093 199,520 SH SOLE 99,760 0 99,760
Vanguard Intermediate Corp ETF BDFUND 92206c870 8,293,898 101,442 SH SOLE 50,721 0 50,721
Vanguard Muni Bond Tax Exempt BDFUND 922907746 478,833 9,650 SH SOLE 4,825 0 4,825
Vanguard Short Ter Corp Bd ETF BDFUND 92206c409 16,349,737 207,116 SH SOLE 103,558 0 103,558
iShares 1-5 Yr Inv Grade Corp BDFUND 464288646 3,374,723 64,440 SH SOLE 32,220 0 32,220
Charles Schwab US REIT (SCHH) REIT 808524847 1,071,886 49,832 SH SOLE 24,916 0 24,916
Vanguard Real Estate ETF (VNQ) REIT 922908553 943,608 10,422 SH SOLE 5,211 0 5,211
Weyerhauser (WY) REIT 962166104 1,896,466 64,770 SH SOLE 32,385 0 32,385
3M CO (MMM) COM 88579y101 848,297 5,776 SH SOLE 2,888 0 2,888
AFLAC INC (AFL) COM 001055102 1,412,113 12,700 SH SOLE 6,350 0 6,350
AMCOR PLC F (AMCR) COM g0250x107 624,273 64,358 SH SOLE 32,179 0 32,179
AT&T INC COM 00206r102 778,106 27,514 SH SOLE 13,757 0 13,757
Abbott Labs (ABT) COM 002824100 3,247,537 24,482 SH SOLE 12,241 0 12,241
Abbvie Inc (ABBV) COM 00287y109 2,709,412 12,932 SH SOLE 6,466 0 6,466
Accenture PLC Ireland Class A COM g1151c101 567,289 1,818 SH SOLE 909 0 909
Aerovironment (AVAV) COM 008073108 978,550 8,210 SH SOLE 4,105 0 4,105
Air Products & Chemicals (APD) COM 009158106 628,180 2,130 SH SOLE 1,065 0 1,065
Airborn Wireless (ABWN) COM 00928l300 0 18,021,394 SH SOLE 9,010,697 0 9,010,697
Alphabet Inc Class A (GOOGL) COM 02079k305 1,173,969 7,592 SH SOLE 3,796 0 3,796
Alphabet Inc Class C (GOOG) COM 02079k107 6,091,845 38,993 SH SOLE 19,496 0 19,496
Amazon Inc (AMZN) COM 023135106 6,882,103 36,172 SH SOLE 18,086 0 18,086
Amgen Inc (AMGN) COM 031162100 727,158 2,334 SH SOLE 1,167 0 1,167
Amplify Cybersecurity ETF (HAC COM 032108664 1,978,808 27,560 SH SOLE 13,780 0 13,780
Analog Devices (ADI) COM 032654105 436,414 2,164 SH SOLE 1,082 0 1,082
Appfolio Cl A (APPF) COM 03783c100 624,516 2,840 SH SOLE 1,420 0 1,420
Apple Inc (AAPL) COM 037833100 14,403,961 64,845 SH SOLE 32,422 0 32,422
Autodesk Inc (ADSK) COM 052769106 1,994,916 7,620 SH SOLE 3,810 0 3,810
Automatic Data Processing (ADP COM 053015103 1,625,728 5,321 SH SOLE 2,661 0 2,661
BWX Technologies Inc (BWXT) COM 05605h100 498,182 5,050 SH SOLE 2,525 0 2,525
Bank Montreal (BMO) COM 063671101 1,321,285 13,834 SH SOLE 6,917 0 6,917
Bank New York Mellon (BK) COM 064058100 851,280 10,150 SH SOLE 5,075 0 5,075
Bank of America (BAC) COM 060505104 1,030,898 24,704 SH SOLE 12,352 0 12,352
Berkshire Hathaway B (BRKB) COM 084670702 4,211,643 7,908 SH SOLE 3,954 0 3,954
Blackstone Inc (BX) COM 09260d107 951,622 6,808 SH SOLE 3,404 0 3,404
Bristol Myers (BMY) COM 110122108 1,338,511 21,946 SH SOLE 10,973 0 10,973
Broadcom Inc (AVGO) COM 11135f101 1,036,391 6,190 SH SOLE 3,095 0 3,095
CSG Systems (CSGS) COM 126349109 1,179,165 19,500 SH SOLE 9,750 0 9,750
CVS Health Corp (CVS) COM 126650100 1,133,322 16,728 SH SOLE 8,364 0 8,364
Carrier Global Corp (CARR) COM 14448c104 1,515,133 23,898 SH SOLE 11,949 0 11,949
Caterpillar Inc (CAT) COM 149123101 594,300 1,802 SH SOLE 901 0 901
Check Point Software (CHKP) COM m22465104 3,741,991 16,418 SH SOLE 8,209 0 8,209
Chevron Corp (CVX) COM 166764100 2,695,323 16,112 SH SOLE 8,056 0 8,056
Chewy Cl A (CHWY) COM 16679l109 700,265 21,540 SH SOLE 10,770 0 10,770
Cincinnati Financial (CINF) COM 172062101 609,810 4,128 SH SOLE 2,064 0 2,064
Cisco Systems (CSCO) COM 17275r102 4,726,986 76,600 SH SOLE 38,300 0 38,300
Coca-Cola (KO) COM 191216100 1,915,594 26,747 SH SOLE 13,373 0 13,373
Colgate Palmolive (CL) COM 194162103 1,578,463 16,846 SH SOLE 8,423 0 8,423
Comcast Cl A (CMCSA) COM 20030n101 1,522,494 41,260 SH SOLE 20,630 0 20,630
Corcept Therapeutics (CORT) COM 218352102 1,585,374 13,880 SH SOLE 6,940 0 6,940
Costco (COST) COM 22160k105 584,492 618 SH SOLE 309 0 309
D-Wave Quantum Inc (QBTS) COM 26740w109 152,000 20,000 SH SOLE 10,000 0 10,000
Danaher Corp (DHR) COM 235851102 813,030 3,966 SH SOLE 1,983 0 1,983
Deere & Co (DE) COM 244199105 490,940 1,046 SH SOLE 523 0 523
Eaton Corporation PLC (ETN) COM g29183103 585,522 2,154 SH SOLE 1,077 0 1,077
Eli Lilly (LLY) COM 532457108 3,488,644 4,224 SH SOLE 2,112 0 2,112
Emerson Electric Co (EMR) COM 291011104 522,757 4,768 SH SOLE 2,384 0 2,384
Exxon Mobil Corp (XOM) COM 30231g102 4,856,863 40,838 SH SOLE 20,419 0 20,419
Fair Isaac Corp (FICO) COM 303250104 1,010,600 548 SH SOLE 274 0 274
Fastenal Co (FAST) COM 311900104 1,053,284 13,582 SH SOLE 6,791 0 6,791
GE Aerospace (GE) COM 369604301 863,047 4,312 SH SOLE 2,156 0 2,156
GE Vernova Inc (GEV) COM 36828a101 411,517 1,348 SH SOLE 674 0 674
Garmin Ltd (GRMN) COM h2906t109 843,767 3,886 SH SOLE 1,943 0 1,943
General Mills Inc (GIS) COM 370334104 518,021 8,664 SH SOLE 4,332 0 4,332
General Motors Co (GM) COM 37045v100 874,006 18,584 SH SOLE 9,292 0 9,292
Gilead Sciences Inc (GILD) COM 375558103 497,502 4,440 SH SOLE 2,220 0 2,220
Globalstar Inc (GSAT) COM 378973507 673,695 32,296 SH SOLE 16,148 0 16,148
Halozyme Therapeutics Inc (HAL COM 40637h109 525,794 8,240 SH SOLE 4,120 0 4,120
Hamilton Beach Brands Class A COM 40701t104 2,659,928 136,898 SH SOLE 68,449 0 68,449
Hologic Inc (HOLX) COM 436440101 1,445,171 23,396 SH SOLE 11,698 0 11,698
Home Depot Inc (HD) COM 437076102 2,723,021 7,430 SH SOLE 3,715 0 3,715
Honeywell International Inc (H COM 438516106 2,094,207 9,890 SH SOLE 4,945 0 4,945
Hormel Foods Corp (HRL) COM 440452100 741,049 23,951 SH SOLE 11,976 0 11,976
Hyster-Yale Inc (HY) COM 449172105 3,052,775 73,490 SH SOLE 36,745 0 36,745
IBM Corp (IBM) COM 459200101 934,962 3,760 SH SOLE 1,880 0 1,880
Illinois Tool Works (ITW) COM 452308109 1,350,166 5,444 SH SOLE 2,722 0 2,722
Ingredion (INGR) COM 457187102 500,277 3,700 SH SOLE 1,850 0 1,850
Insulet Corp (PODD) COM 45784p101 463,244 1,764 SH SOLE 882 0 882
Intel Corp (INTC) COM 458140100 1,315,124 57,909 SH SOLE 28,955 0 28,955
Interparfums (IPAR) COM 458334109 482,809 4,240 SH SOLE 2,120 0 2,120
Invesco Water Resources ETF (P COM 46137v142 1,722,684 26,700 SH SOLE 13,350 0 13,350
JP Morgan Chase & Co (JPM) COM 46625h100 5,327,186 21,717 SH SOLE 10,859 0 10,859
Johnson & Johnson (JNJ) COM 478160104 4,464,559 26,921 SH SOLE 13,460 0 13,460
KKR & Co (KKR) COM 48251w104 3,619,518 31,308 SH SOLE 15,654 0 15,654
Korn Ferry (KFI) COM 500643200 546,031 8,050 SH SOLE 4,025 0 4,025
LKQ Corp (LKQ) COM 501889208 432,632 10,170 SH SOLE 5,085 0 5,085
Landstar Corp (LSTR) COM 515098101 684,311 4,556 SH SOLE 2,278 0 2,278
Lemaitre Vascular (LMAT) COM 525558201 599,885 7,150 SH SOLE 3,575 0 3,575
Linde PLC (LIN) COM g54950103 481,472 1,034 SH SOLE 517 0 517
Lowes Co (LOW) COM 548661107 868,082 3,722 SH SOLE 1,861 0 1,861
McDonalds (MCD) COM 580135101 1,601,209 5,126 SH SOLE 2,563 0 2,563
Medtronic PLC (MDT) COM g5960l103 453,254 5,044 SH SOLE 2,522 0 2,522
Merck & Co (MRK) COM 58933y105 2,329,333 25,951 SH SOLE 12,975 0 12,975
Microsoft Corp (MSFT) COM 594918104 8,506,775 22,661 SH SOLE 11,331 0 11,331
Mondelez CL A (MDLZ) COM 609207105 413,749 6,098 SH SOLE 3,049 0 3,049
Morgan Stanley (MS) COM 617446448 662,219 5,676 SH SOLE 2,838 0 2,838
Nacco Industries Cl A (NC) COM 629579103 1,940,892 57,542 SH SOLE 28,771 0 28,771
NextEra Energy (NEE) COM 65339f101 1,906,374 26,892 SH SOLE 13,446 0 13,446
Norfolk Southern (NSC) COM 655844108 623,389 2,632 SH SOLE 1,316 0 1,316
Novartis ADR (NVS) COM 66987v109 474,459 4,256 SH SOLE 2,128 0 2,128
Nvidia (NVDA) COM 67066g104 7,312,796 67,474 SH SOLE 33,737 0 33,737
Oracle Corp (ORCL) COM 68389x105 1,431,095 10,236 SH SOLE 5,118 0 5,118
Otis Worldwide (OTIS) COM 68902v107 737,674 7,148 SH SOLE 3,574 0 3,574
PPL Corp (PPPL) COM 69351t106 450,364 12,472 SH SOLE 6,236 0 6,236
Palantir Technologies Cl A (PL COM 69608a108 1,028,836 12,190 SH SOLE 6,095 0 6,095
Pepsico (PEP) COM 713448108 3,445,887 22,982 SH SOLE 11,491 0 11,491
Pfizer Inc (PFE) COM 717081103 1,483,470 58,543 SH SOLE 29,271 0 29,271
Phillips 66 (PSX) COM 718546104 1,790,954 14,504 SH SOLE 7,252 0 7,252
Procter & Gamble (PG) COM 742718109 3,926,113 23,038 SH SOLE 11,519 0 11,519
Qualcom Corp (QCOM) COM 747525103 533,948 3,476 SH SOLE 1,738 0 1,738
RTX Corp (RTX) COM 75513e101 3,578,804 27,018 SH SOLE 13,509 0 13,509
Regions Financial (RF) COM 7591ep100 767,069 35,300 SH SOLE 17,650 0 17,650
Robo Global Robotics & Automat COM 301505707 1,070,170 20,780 SH SOLE 10,390 0 10,390
Salesforce Inc (CRM) COM 79466l302 973,073 3,626 SH SOLE 1,813 0 1,813
Scandium Mining (SCYYF) COM 80600l109 3,139 236,000 SH SOLE 118,000 0 118,000
Smucker JM Co (SJM) COM 832696405 1,492,913 12,608 SH SOLE 6,304 0 6,304
Sonoco Products (SON) COM 835495102 1,231,074 26,060 SH SOLE 13,030 0 13,030
Sprouts Farmers Markets (SFM) COM 85208m102 2,097,274 13,740 SH SOLE 6,870 0 6,870
Starbucks Corp (SBUX) COM 855244109 1,228,675 12,526 SH SOLE 6,263 0 6,263
State Street Corp (STT) COM 857477103 765,481 8,550 SH SOLE 4,275 0 4,275
Stryker Corp (SYK) COM 863667101 772,046 2,074 SH SOLE 1,037 0 1,037
Sysco Corp (SYY) COM 871829107 2,265,758 30,194 SH SOLE 15,097 0 15,097
T Rowe Price Group (TROW) COM 74144t108 413,415 4,500 SH SOLE 2,250 0 2,250
TJX Companies (TJX) COM 872540109 4,499,779 36,944 SH SOLE 18,472 0 18,472
Taiwan Semiconductor Manufactu COM 874039100 945,868 5,698 SH SOLE 2,849 0 2,849
Target (TGT) COM 87612e106 1,176,570 11,274 SH SOLE 5,637 0 5,637
Texas Instruments Inc (TXN) COM 882508104 883,405 4,916 SH SOLE 2,458 0 2,458
Thermo Fisher Scientific (TMO) COM 883556102 654,842 1,316 SH SOLE 658 0 658
Trade Desk Inc (TTD) COM 88339j105 816,422 14,920 SH SOLE 7,460 0 7,460
Trex Co (TREX) COM 89531p105 1,447,852 24,920 SH SOLE 12,460 0 12,460
Tyler Technologies Inc (TYL) COM 902252105 641,855 1,104 SH SOLE 552 0 552
US Bancorp (USB) COM 902973304 1,678,667 39,760 SH SOLE 19,880 0 19,880
Ulta Beauty Inc (ULTA) COM 90384s303 1,231,574 3,360 SH SOLE 1,680 0 1,680
Unilever PLC (UL) COM 904767704 984,242 16,528 SH SOLE 8,264 0 8,264
Union Pacific Corp (UNP) COM 907818108 669,504 2,834 SH SOLE 1,417 0 1,417
United Parcel Service Inc (UPS COM 911312106 1,136,428 10,332 SH SOLE 5,166 0 5,166
Unitedhealth Group Inc (UNH) COM 91324p102 609,645 1,164 SH SOLE 582 0 582
Universal Display (OLED) COM 91347p105 401,702 2,880 SH SOLE 1,440 0 1,440
VISA Inc CL A (V) COM 92826c839 3,880,994 11,074 SH SOLE 5,537 0 5,537
Vericel Corp (VCEL) COM 92346j108 576,490 12,920 SH SOLE 6,460 0 6,460
Verisk Analytics Inc Cl A (VRS COM 92345y106 2,827,390 9,500 SH SOLE 4,750 0 4,750
Verizon Communications (VZ) COM 92343v104 1,650,378 36,384 SH SOLE 18,192 0 18,192
Vortex Energy Corp (VTECF) COM 92905D203 2,500 50,000 SH SOLE 25,000 0 25,000
WD 40 CO COM 929236107 1,375,184 5,636 SH SOLE 2,818 0 2,818
Walmart Inc (WMT) COM 931142103 1,288,582 14,678 SH SOLE 7,339 0 7,339
Walt Disney Corp (DIS) COM 254687106 1,773,244 17,966 SH SOLE 8,983 0 8,983
Zimmer Biomet Holdings Inc (ZB COM 98956p102 482,826 4,266 SH SOLE 2,133 0 2,133
Zoetis Inc (ZTS) COM 98978v103 1,951,102 11,850 SH SOLE 5,925 0 5,925
IShares CORE S&P 500 ETF IV ETF 464287200 2,507,198 4,462 SH SOLE 2,231 0 2,231
IShares Preferred Income Sec E ETF 464288687 3,818,598 124,263 SH SOLE 62,131 0 62,131
Invesco Preferred ETF (PGX) ETF 46138e511 240,893 21,470 SH SOLE 10,735 0 10,735
Invesco S&P500 High Div Low Vo ETF 46138e362 703,220 14,000 SH SOLE 7,000 0 7,000
Invesco SP 500 Equal Weight ET ETF 46137v357 6,713,565 38,755 SH SOLE 19,378 0 19,378
SPDR Portfolio S&P 500 ETF (SP ETF 78464a854 460,320 7,000 SH SOLE 3,500 0 3,500
SPDR Portfolio S&P400 Mid Cap ETF 78464a847 1,023,600 20,000 SH SOLE 10,000 0 10,000
SPDR S&P 500 ETF (SPY) ETF 78462f103 2,177,789 3,893 SH SOLE 1,947 0 1,947
SPDR S&P Dividend ETF (SDY) ETF 78464a763 1,058,304 7,800 SH SOLE 3,900 0 3,900
SPDR S&P Mid Cap 400 ETF (MDY) ETF 78467y107 15,900,983 29,806 SH SOLE 14,903 0 14,903
Schwab US Broad Mkt ETF (SCHB) ETF 808524102 7,080,873 328,884 SH SOLE 164,442 0 164,442
Schwab US Dividend Equity ETF ETF 808524797 12,431,743 444,626 SH SOLE 222,313 0 222,313
Schwab US Large Cap ETF (SCHX) ETF 808524201 6,090,768 275,850 SH SOLE 137,925 0 137,925
Schwab US Large Cap Growth ETF ETF 808524300 13,333,366 532,483 SH SOLE 266,241 0 266,241
Schwab US Mid Cap ETF (SCHM) ETF 808524508 13,571,303 517,989 SH SOLE 258,994 0 258,994
Schwab US Small Cap ETF (SCHA) ETF 808524607 8,093,695 345,442 SH SOLE 172,721 0 172,721
Vanguard Extended Market ETF ( ETF 922908652 2,044,726 11,870 SH SOLE 5,935 0 5,935
Vanguard High Dividend Yield E ETF 921946406 483,600 3,750 SH SOLE 1,875 0 1,875
Vanguard Mid Cap ETF (VO) ETF 922908629 426,723 1,650 SH SOLE 825 0 825
Vanguard S&P 500 ETF (VOO) ETF 922908363 14,605,137 28,420 SH SOLE 14,210 0 14,210
Vanguard Small Cap Growth ETF ETF 922908595 3,204,025 12,726 SH SOLE 6,363 0 6,363
Vanguard Total Stock Market ET ETF 922908769 608,584 2,214 SH SOLE 1,107 0 1,107
iShares S&P 100 ETF (OEF) ETF 464287101 1,262,068 4,660 SH SOLE 2,330 0 2,330
IShares Global 100 ETF (IOO) ETF 464287572 1,894,987 19,680 SH SOLE 9,840 0 9,840
IShares Int'l Select Div ETF ( ETF 464288448 763,402 24,610 SH SOLE 12,305 0 12,305
IShares MSCI Canada ETF IV (EW ETF 464286509 451,510 11,080 SH SOLE 5,540 0 5,540
IShares MSCI EAFE ETF (EFA) ETF 464287465 3,027,506 37,043 SH SOLE 18,521 0 18,521
IShares MSCI Ireland ETF (EIRL ETF 46429b507 697,025 11,790 SH SOLE 5,895 0 5,895
SPDR S&P Int'l Dividend ETF (D ETF 78463x772 423,034 11,028 SH SOLE 5,514 0 5,514
Schwab Emerging Mkts Equity ET ETF 808524706 2,448,216 88,800 SH SOLE 44,400 0 44,400
Schwab International Equity ET ETF 808524805 15,807,674 799,175 SH SOLE 399,587 0 399,587
Vanguard Total World Stock ETF ETF 922042742 484,671 4,180 SH SOLE 2,090 0 2,090