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
3M Company COMMON 88579Y101 222 1,461 SH SOLE 1,461 0 0
Abbott Laboratories COMMON 002824100 2,766 20,340 SH SOLE 20,240 0 100
AbbVie Inc. COMMON 00287Y109 2,956 15,924 SH SOLE 15,924 0 0
Aberdeen Physical Swiss Gold ETF ETF 00326A104 13 400 SH SOLE 400 0 0
Accenture Ltd Cl A COMMON G1151C101 84 280 SH SOLE 229 0 51
Adobe Systems Inc. COMMON 00724F101 79 204 SH SOLE 204 0 0
Advanced Micro Devices COMMON 007903107 99 700 SH SOLE 700 0 0
Aecom COMMON 00766T100 17 149 SH SOLE 149 0 0
Agilent Technologies COMMON 00846U101 25 213 SH SOLE 213 0 0
Air Products & Chemicals Inc. COMMON 009158106 1,099 3,897 SH SOLE 3,880 0 17
Alerus Finl Corp COMMON 01446U103 213 9,844 SH SOLE 9,844 0 0
Allegion Public Ltd Co COMMON G0176J109 29 200 SH SOLE 200 0 0
Alliant Energy Corp COMMON 018802108 614 10,151 SH SOLE 9,051 0 1,100
Allstate COMMON 020002101 410 2,035 SH SOLE 2,035 0 0
Alphabet, Inc Cl C COMMON 02079K107 4,769 26,886 SH SOLE 25,786 0 1,100
Alphabet, Inc. Cl A COMMON 02079K305 6,335 35,947 SH SOLE 34,294 0 1,653
Amazon.Com COMMON 023135106 6,638 30,258 SH SOLE 28,983 0 1,275
Amentum Holdings, Inc. COMMON 023939101 0 18 SH SOLE 18 0 0
America Movil L ADR ADR 02390A101 65 3,600 SH SOLE 3,600 0 0
American Express Company COMMON 025816109 968 3,034 SH SOLE 3,034 0 0
American Int'l Group COMMON 026874784 2 26 SH SOLE 26 0 0
American Water Works Co COMMON 030420103 28 200 SH SOLE 200 0 0
Ameriprise Financial Inc. COMMON 03076C106 231 433 SH SOLE 433 0 0
Amgen Incorporated COMMON 031162100 3,168 11,347 SH SOLE 11,347 0 0
Amkor Technology Inc COMMON 031652100 696 33,156 SH SOLE 33,156 0 0
Amphenol Corp Cl A COMMON 032095101 45 460 SH SOLE 460 0 0
Analog Devices Inc. COMMON 032654105 10 44 SH SOLE 44 0 0
Anthem Inc COMMON 036752103 68 176 SH SOLE 176 0 0
Apple Inc. COMMON 037833100 10,512 51,236 SH SOLE 49,867 0 1,369
Applied Materials COMMON 038222105 168 916 SH SOLE 916 0 0
AptarGroup, Inc COMMON 038336103 2,821 18,033 SH SOLE 16,772 0 1,261
Archer-Daniels-Midland Inc. COMMON 039483102 28 529 SH SOLE 240 0 289
Asml Hldgs Nv COMMON N07059210 180 225 SH SOLE 225 0 0
Astec Industries COMMON 046224101 54 1,300 SH SOLE 700 0 600
AstraZeneca plc ADR ADR 046353108 1,000 14,317 SH SOLE 14,187 0 130
AT&T Inc. COMMON 00206R102 358 12,383 SH SOLE 11,857 0 526
Atmos Energy Corp COMMON 049560105 23 150 SH SOLE 150 0 0
Auto Data Processing COMMON 053015103 626 2,031 SH SOLE 2,031 0 0
AutoZone, Inc. COMMON 053332102 7 2 SH SOLE 2 0 0
Bank of America Corp COMMON 060505104 228 4,813 SH SOLE 4,813 0 0
Bank of New York Mellon COMMON 064058100 146 1,602 SH SOLE 1,602 0 0
Baxter International COMMON 071813109 29 954 SH SOLE 954 0 0
Becton Dickinson & Co COMMON 075887109 501 2,908 SH SOLE 2,908 0 0
Berkshire Hathaway Cl B COMMON 084670702 8,824 18,165 SH SOLE 16,998 0 1,167
Biogen Idec Inc COMMON 09062X103 66 525 SH SOLE 525 0 0
Blackrock Inc COMMON 09247X101 388 370 SH SOLE 370 0 0
BlackRock U.S. Carbon Transition Readiness ETF ETF 09290C509 18 266 SH SOLE 266 0 0
BlackRock World ex U.S. Carbon Transition Readiness ETF ETF 09290C608 4 77 SH SOLE 77 0 0
Blkrck Muniyield Qlty Fd COMMON 09254F100 14 1,300 SH SOLE 1,300 0 0
Boeing Co. COMMON 097023105 3,264 15,579 SH SOLE 14,448 0 1,131
Booking Holdings Inc COMMON 09857L108 29 5 SH SOLE 5 0 0
Boston Scientific COMMON 101137107 8 75 SH SOLE 75 0 0
Bristol Myers COMMON 110122108 842 18,188 SH SOLE 17,115 0 1,073
Broadcom Ltd COMMON 11135F101 4,222 15,318 SH SOLE 15,318 0 0
Broadridge Finl Solution COMMON 11133T103 279 1,150 SH SOLE 1,150 0 0
Brookfield Asset Management COMMON 113004105 72 1,298 SH SOLE 1,298 0 0
Brookfield Corp COMMON 11271J107 430 6,951 SH SOLE 6,951 0 0
Brookfield Renewable Corp Ordinary Shares - Class COMMON 11284V105 737 22,488 SH SOLE 22,154 0 334
Canadian Natl Ry Co COMMON 136375102 16 150 SH SOLE 150 0 0
Canadian Pacific COMMON 13646K108 117 1,471 SH SOLE 1,471 0 0
Capital One Financial COMMON 14040H105 169 795 SH SOLE 795 0 0
Carrier Global Corp-Wi COMMON 14448C104 168 2,297 SH SOLE 1,580 0 717
Caterpillar COMMON 149123101 3,310 8,526 SH SOLE 7,883 0 643
CBRE Group Inc COMMON 12504L109 520 3,708 SH SOLE 3,708 0 0
Cencora, Inc COMMON 03073E105 23 77 SH SOLE 77 0 0
Charter Communications Inc COMMON 16119P108 75 184 SH SOLE 184 0 0
Chemed Corp. COMMON 16359R103 1,534 3,151 SH SOLE 3,151 0 0
Chemours Co LLC COMMON 163851108 2 185 SH SOLE 185 0 0
Cheniere Energy Inc New COMMON 16411R208 29 120 SH SOLE 120 0 0
Chevron Corp. COMMON 166764100 786 5,492 SH SOLE 5,433 0 59
China Automotive Systems Inc COMMON 16936R105 45 11,100 SH SOLE 11,100 0 0
Chubb Limited COMMON H1467J104 4,106 14,173 SH SOLE 13,492 0 681
Cigna Corp COMMON 125523100 522 1,578 SH SOLE 1,578 0 0
Cincinnati Financial Corp COMMON 172062101 58 390 SH SOLE 390 0 0
Cintas Corp. COMMON 172908105 6 27 SH SOLE 27 0 0
Cisco Systems, Inc. COMMON 17275R102 3,716 53,561 SH SOLE 50,144 0 3,417
Citigroup COMMON 172967424 119 1,400 SH SOLE 1,400 0 0
Clorox Company COMMON 189054109 12 100 SH SOLE 100 0 0
CME Group Inc. COMMON 12572Q105 528 1,916 SH SOLE 1,916 0 0
Coca-Cola Co COMMON 191216100 2,776 39,230 SH SOLE 36,637 0 2,593
Colgate-Palmolive COMMON 194162103 602 6,619 SH SOLE 6,619 0 0
Comcast Corp. COMMON 20030N101 284 7,954 SH SOLE 7,954 0 0
Comerica Incorporated COMMON 200340107 119 2,000 SH SOLE 2,000 0 0
Community Bank System COMMON 203607106 431 7,587 SH SOLE 3,488 0 4,099
Conoco Phillips COMMON 20825C104 684 7,623 SH SOLE 6,224 0 1,399
Consolidated Edison Inc. COMMON 209115104 99 985 SH SOLE 985 0 0
Constellation Brand Cl Aclass A COMMON 21036P108 19 119 SH SOLE 119 0 0
Constellation Energy Co. COMMON 21037T109 53 163 SH SOLE 163 0 0
Corning COMMON 219350105 7,560 143,761 SH SOLE 138,587 0 5,174
Corteva Inc com COMMON 22052L104 46 614 SH SOLE 614 0 0
Costco COMMON 22160K105 10,851 10,961 SH SOLE 9,989 0 972
CrowdStrike Holdings, Inc. COMMON 22788C105 10 20 SH SOLE 20 0 0
CSX Corp COMMON 126408103 273 8,377 SH SOLE 8,377 0 0
CVS Corp COMMON 126650100 34 500 SH SOLE 500 0 0
D R Horton Co. COMMON 23331A109 19 150 SH SOLE 150 0 0
Danaher Corp COMMON 235851102 54 275 SH SOLE 275 0 0
Deere & Company COMMON 244199105 1,380 2,714 SH SOLE 2,714 0 0
Dell Inc. COMMON 24703L202 49 401 SH SOLE 401 0 0
Dentsply Int'l Inc COMMON 24906P109 67 4,200 SH SOLE 4,200 0 0
Digital Realty Trust REIT REIT 253868103 211 1,213 SH SOLE 1,213 0 0
Dover Corporation COMMON 260003108 1,243 6,782 SH SOLE 6,782 0 0
Dow In COMMON 260557103 21 779 SH SOLE 779 0 0
Dr Reddys Labs ADR ADR 256135203 228 15,161 SH SOLE 15,161 0 0
Duke Energy Corporation COMMON 26441C204 1,642 13,919 SH SOLE 13,570 0 349
DXC Technology Company COMMON 23355L106 2 134 SH SOLE 134 0 0
E Bay Inc. COMMON 278642103 35 475 SH SOLE 275 0 200
E I DuPont COMMON 26614N102 236 3,436 SH SOLE 3,436 0 0
East West Bancorp COMMON 27579R104 714 7,074 SH SOLE 7,074 0 0
Eastman Chemical Co. COMMON 277432100 4 48 SH SOLE 48 0 0
Eaton Corp. COMMON G29183103 740 2,074 SH SOLE 2,074 0 0
Ecolab Inc. COMMON 278865100 65 240 SH SOLE 190 0 50
Electronic Arts Inc COMMON 285512109 13 80 SH SOLE 80 0 0
Element Fleet Management Corp COMMON 286181201 61 2,433 SH SOLE 0 0 2,433
Eli Lilly & Co. COMMON 532457108 2,988 3,833 SH SOLE 3,833 0 0
Emerson Electric Co. COMMON 291011104 1,457 10,928 SH SOLE 10,345 0 583
EMQQ The Emerging Markets Internet ETF ETF 301505889 73 1,762 SH SOLE 1,762 0 0
Energy Transfer Equity LP COMMON 29273V100 35 1,952 SH SOLE 1,952 0 0
Enterprise Products Prtn LP COMMON 293792107 165 5,307 SH SOLE 5,307 0 0
Equifax Inc COMMON 294429105 97 373 SH SOLE 373 0 0
Equinix Inc New COMMON 29444U700 1 1 SH SOLE 1 0 0
Equity Residential Prop. REIT REIT 29476L107 142 2,107 SH SOLE 1,430 0 677
Essential utilities ord COMMON 29670G102 117 3,142 SH SOLE 3,142 0 0
Exxon Mobil Corporation COMMON 30231G102 3,468 32,168 SH SOLE 31,208 0 960
Facebook Inc Class A COMMON 30303M102 261 353 SH SOLE 353 0 0
Fedex Corporation COMMON 31428X106 824 3,627 SH SOLE 3,627 0 0
Fidelity MSCI Health Care Index ETF ETF 316092600 45 711 SH SOLE 0 0 711
Fidelity MSCI Utilities Index ETF ETF 316092865 32 613 SH SOLE 0 0 613
First Solar Inc COMMON 336433107 1,696 10,244 SH SOLE 8,721 0 1,523
First Trust Capital Strength ETF ETF 33733E104 57 629 SH SOLE 629 0 0
First Trust Cloud Computing ETF ETF 33734X192 139 1,141 SH SOLE 1,141 0 0
First Trust India NIFTY ETF ETF 33737J802 19 323 SH SOLE 323 0 0
First Trust Managed Municipal ETF ETF 33739N108 111 2,233 SH SOLE 2,233 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846 129 1,710 SH SOLE 1,710 0 0
Fiserv, Inc. ETF 337738108 24 140 SH SOLE 140 0 0
Fortinet Inc COMMON 34959E109 307 2,901 SH SOLE 2,901 0 0
Fortis Inc COMMON 349553107 2 38 SH SOLE 38 0 0
Gartner Inc COMMON 366651107 91 225 SH SOLE 225 0 0
GE Aerospace COMMON 369604301 1,197 4,649 SH SOLE 4,253 0 396
GE Healthcare COMMON 36266G107 69 934 SH SOLE 934 0 0
GE Vernova Inc. COMMON 36828A101 460 869 SH SOLE 856 0 13
Generac Holdings Inc COMMON 368736104 526 3,671 SH SOLE 3,635 0 36
General Mills, Inc. COMMON 370334104 96 1,851 SH SOLE 1,851 0 0
Genuine Parts Co COMMON 372460105 39 325 SH SOLE 325 0 0
Gilat Satellite Networks Ltd COMMON M51474118 28 3,904 SH SOLE 3,904 0 0
Gilead Sciences Inc COMMON 375558103 304 2,744 SH SOLE 2,744 0 0
Glaxo Smithkline ADR ADR 37733W204 104 2,706 SH SOLE 2,706 0 0
Global X S&P 500 Catholic Values ETF ETF 37954Y889 375 4,966 SH SOLE 4,966 0 0
Global X US Infrastructure Dev ETF ETF 37954Y673 36 827 SH SOLE 827 0 0
Goldman Sachs Group Inc COMMON 38141G104 352 497 SH SOLE 497 0 0
Goodyear Tire & Rubber COMMON 382550101 6 532 SH SOLE 532 0 0
Guggenheim S&P Global Water Index ETF 46138E263 33 534 SH SOLE 0 0 534
Haleon ADR ADR 405552100 25 2,372 SH SOLE 2,372 0 0
Halliburton Company COMMON 406216101 22 1,100 SH SOLE 1,100 0 0
Healthpeak Properties Inc COMMON 42250P103 75 4,283 SH SOLE 4,283 0 0
Hershey Foods Corp COMMON 427866108 143 862 SH SOLE 862 0 0
Hess Corporation COMMON 42809H107 54 390 SH SOLE 390 0 0
Hewlett Packard Ente COMMON 42824C109 136 6,662 SH SOLE 6,662 0 0
Hitachi Ltd COMMON 433578507 18 620 SH SOLE 620 0 0
Hologic Inc COMMON 436440101 59 900 SH SOLE 900 0 0
Home Depot COMMON 437076102 957 2,610 SH SOLE 2,610 0 0
Honeywell International COMMON 438516106 3,813 16,374 SH SOLE 15,774 0 600
Hormel Foods Corp COMMON 440452100 19 640 SH SOLE 640 0 0
Howmet Aerospace Inc COMMON 443201108 58 309 SH SOLE 309 0 0
HP Inc COMMON 40434L105 172 7,032 SH SOLE 7,032 0 0
HSBC Holdings PLC ADR ADR 404280406 49 809 SH SOLE 809 0 0
Humana COMMON 444859102 240 982 SH SOLE 982 0 0
IBM Corp. COMMON 459200101 7,524 25,525 SH SOLE 23,934 0 1,591
Illinois Tool Works COMMON 452308109 245 989 SH SOLE 889 0 100
Imperial Oil Ltd COMMON 453038408 259 3,259 SH SOLE 3,259 0 0
Ingersoll Rand Inc COMMON 45687V106 38 454 SH SOLE 454 0 0
Ingredion Incorporated COMMON 457187102 793 5,846 SH SOLE 5,801 0 45
Insulet Corporation COMMON 45784P101 16 50 SH SOLE 50 0 0
Integer Holdings Corp COMMON 45826H109 482 3,918 SH SOLE 3,918 0 0
Intel Corp. COMMON 458140100 652 29,126 SH SOLE 28,735 0 391
Intercontinental Exchange, Inc. COMMON 45866F104 67 367 SH SOLE 367 0 0
International Flavors & Fragrances Inc COMMON 459506101 97 1,316 SH SOLE 1,316 0 0
Intuit COMMON 461202103 21 27 SH SOLE 27 0 0
Intuitive Surgical COMMON 46120E602 1,577 2,902 SH SOLE 2,848 0 54
Invesco Cleantech ETF ETF 46137V407 6 140 SH SOLE 140 0 0
Invesco Global Water ETF ETF 46138E651 79 1,764 SH SOLE 1,764 0 0
Invesco Large Cap Growth ETF ETF 46137V746 19 158 SH SOLE 158 0 0
IQVIA Holdings Inc. ETF 46266C105 1,875 11,901 SH SOLE 11,286 0 615
Iron Mountain Inc REIT ETF 46284V101 49 475 SH SOLE 0 0 475
iShares 0-5 Year Invmt Grade Corp Bd ETF ETF 46434V100 21 418 SH SOLE 418 0 0
Ishares 20 Yr Treas. Barclays ETF ETF 464287432 31 351 SH SOLE 351 0 0
iShares 5-10 Yr Corporate Bond ETF ETF 464288638 122 2,281 SH SOLE 2,281 0 0
iShares Barclays 1-3yr. Trs ETF ETF 464287457 19 226 SH SOLE 226 0 0
iShares Barclays 3-7 Treasury ETF ETF 464288661 20 165 SH SOLE 165 0 0
iShares Core Dividend Growth ETF ETF 46434V621 438 6,857 SH SOLE 6,857 0 0
Ishares Core High ETF ETF 46429B663 19 164 SH SOLE 164 0 0
iShares Core International Bond ETF ETF 46435G672 98 1,917 SH SOLE 1,917 0 0
iShares Core MSCI EAFE ETF ETF 46432F842 43 511 SH SOLE 147 0 364
iShares Core MSCI ETF ETF 46434G103 330 5,502 SH SOLE 3,778 0 1,724
iShares Core MSCI Total Intl Stk ETF ETF 46432F834 14 187 SH SOLE 187 0 0
iShares DJ Home Construction ETF ETF 464288752 45 485 SH SOLE 485 0 0
iShares DJ US Financial ETF ETF 464287788 134 1,108 SH SOLE 1,108 0 0
iShares Dow J. Healthcare ETF ETF 464287762 134 2,370 SH SOLE 2,370 0 0
iShares Edge MSCI Min Vol EAFE ETF ETF 46429B689 30 362 SH SOLE 362 0 0
iShares ESG 1-5 Year USD Corp Bd ETF ETF 46435G243 3 116 SH SOLE 116 0 0
iShares ESG Advanced Bond Market ETF ETF 46436E619 104 2,395 SH SOLE 2,395 0 0
iShares ESG Advanced MSCI EAFE Index ETF ETF 46436E759 55 743 SH SOLE 743 0 0
iShares ESG Advanced MSCI USA ETF ETF 46436E767 100 1,847 SH SOLE 1,847 0 0
iShares ESG Aware MSCI EAFE ETF ETF 46435G516 356 3,995 SH SOLE 3,995 0 0
iShares ESG Aware MSCI USA ETF ETF 46435G425 7 49 SH SOLE 49 0 0
iShares ESG Screened S&P 500 ETF ETF 46436E569 48 1,016 SH SOLE 1,016 0 0
iShares ESG Screened S&P Mid-Cap ETF ETF 46436E551 46 1,118 SH SOLE 1,118 0 0
iShares ESG Screened S&P Small-Cap ETF ETF 46436E544 19 472 SH SOLE 472 0 0
iShares Expanded Tech-Software Sect ETF ETF 464287515 278 2,540 SH SOLE 2,540 0 0
iShares Global Clean Energy ETF 464288224 70 5,373 SH SOLE 5,373 0 0
Ishares Gold ETF ETF 464285204 847 13,586 SH SOLE 12,020 0 1,566
iShares Lehman Agg Bond Fd ETF ETF 464287226 412 4,156 SH SOLE 4,156 0 0
iShares MSCI EAFE ETF ETF 464287465 300 3,360 SH SOLE 3,360 0 0
iShares MSCI EAFE Growth ETF ETF 464288885 120 1,074 SH SOLE 1,074 0 0
iShares MSCI Emerg Esg ETF ETF 46434G863 5 138 SH SOLE 138 0 0
iShares MSCI Emerg Mkts Min Vol Fctr ETF ETF 464286533 21 329 SH SOLE 329 0 0
iShares MSCI Emerging Market ETF ETF 464287234 70 1,453 SH SOLE 1,000 0 453
iShares MSCI Global Gold Miners ETF ETF 46434G855 56 1,289 SH SOLE 0 0 1,289
iShares MSCI KLD 400 Social ETF ETF 464288570 20 171 SH SOLE 171 0 0
iShares NASDAQ Biotech ETF ETF 464287556 277 2,190 SH SOLE 2,190 0 0
iShares Russell 1000 Growth ETF ETF 464287614 96 227 SH SOLE 227 0 0
iShares Russell 1000 Val ETF ETF 464287598 5,331 27,447 SH SOLE 27,447 0 0
iShares Russell 2000 Growth ETF ETF 464287648 97 339 SH SOLE 339 0 0
Ishares Russell 2000 Value ETF ETF 464287630 24 151 SH SOLE 151 0 0
iShares Russell Midcap Grth ETF ETF 464287481 87 628 SH SOLE 628 0 0
iShares S&P 500 Index ETF ETF 464287200 671 1,081 SH SOLE 1,058 0 23
iShares S&P Midcap 400 Index ETF ETF 464287507 271 4,370 SH SOLE 3,515 0 855
iShares S&P Mid-Cap Grow ETF ETF 464287606 36 396 SH SOLE 396 0 0
iShares S&P Sm Cap Idx 600 ETF ETF 464287804 362 3,313 SH SOLE 2,619 0 694
iShares Select Dividend Idx ETF ETF 464287168 150 1,127 SH SOLE 1,127 0 0
iShares TIPS Bond ETF ETF 464287176 349 3,168 SH SOLE 3,048 0 120
iShares Tr DJ U S Tech Sector ETF ETF 464287721 155 896 SH SOLE 896 0 0
Ishares Trust Russell 2000 Indx ETF ETF 464287655 188 869 SH SOLE 869 0 0
iShares U.S. Healthcare Providers ETF ETF 464288828 3 65 SH SOLE 65 0 0
iShares US Aerospace & Defense ETF ETF 464288760 9 49 SH SOLE 49 0 0
Jacobs Engineering Group Inc COMMON 46982L108 40 303 SH SOLE 303 0 0
Johnson & Johnson COMMON 478160104 2,024 13,251 SH SOLE 13,251 0 0
JP Morgan Chase & Co COMMON 46625H100 4,979 17,174 SH SOLE 15,559 0 1,615
Kenvue Inc. COMMON 49177J102 52 2,464 SH SOLE 2,464 0 0
Kilroy Realty Corp REIT REIT 49427F108 3,645 106,226 SH SOLE 101,901 0 4,325
Kimberly-Clark Corp. COMMON 494368103 286 2,215 SH SOLE 2,215 0 0
Kinder Morgan Inc. COMMON 49456B101 2 81 SH SOLE 81 0 0
KKR & Co LP COMMON 48251W104 24 180 SH SOLE 180 0 0
KLA-Tencor Corporation COMMON 482480100 105 117 SH SOLE 117 0 0
Knowles Corp COMMON 49926D109 25 1,430 SH SOLE 1,430 0 0
Kon Philips Electric NV COMMON 500472303 58 2,424 SH SOLE 2,424 0 0
Kraft Heinz Company COMMON 500754106 1 55 SH SOLE 55 0 0
Kyndryl Holdings, Inc COMMON 50155Q100 8 194 SH SOLE 194 0 0
Laboratory Corp of America Hlds COMMON 504922105 190 722 SH SOLE 536 0 186
Linde plc COMMON G54950103 46 98 SH SOLE 73 0 25
Lockheed Martin COMMON 539830109 63 136 SH SOLE 136 0 0
Loews Corp COMMON 540424108 93 1,018 SH SOLE 1,018 0 0
Lowes Companies Inc. COMMON 548661107 245 1,102 SH SOLE 1,102 0 0
M K S Instruments Inc. COMMON 55306N104 617 6,205 SH SOLE 6,205 0 0
M&T Bank Corp COMMON 55261F104 867 4,471 SH SOLE 4,471 0 0
Marathon Petroleum Corp COMMON 56585A102 425 2,559 SH SOLE 2,559 0 0
Marriott Int'l Inc. Cl A COMMON 571903202 164 600 SH SOLE 600 0 0
Marsh & McLennan Co's COMMON 571748102 36 163 SH SOLE 163 0 0
Marvell Tech Group Ltd COMMON 573874104 46 600 SH SOLE 600 0 0
Mastercard Inc COMMON 57636Q104 353 628 SH SOLE 628 0 0
McDonald's Corp COMMON 580135101 1,439 4,924 SH SOLE 4,924 0 0
McKesson Corp. COMMON 58155Q103 2,195 2,995 SH SOLE 2,677 0 318
Medtronic Inc. COMMON G5960L103 4,346 49,852 SH SOLE 47,175 0 2,677
Merck COMMON 58933Y105 6,787 85,739 SH SOLE 84,267 0 1,472
Metlife Inc. COMMON 59156R108 24 297 SH SOLE 297 0 0
Microchip Technology Inc. COMMON 595017104 141 2,000 SH SOLE 2,000 0 0
Microsoft COMMON 594918104 24,199 48,649 SH SOLE 46,816 0 1,833
Middlesex Water Co COMMON 596680108 16 300 SH SOLE 300 0 0
Mondelez Int'l Inc. COMMON 609207105 560 8,302 SH SOLE 8,135 0 167
Morgan Stanley Dean Witter COMMON 617446448 114 811 SH SOLE 811 0 0
Motorola Solutions Inc COMMON 620076307 219 522 SH SOLE 522 0 0
Nasdaq, Inc. COMMON 631103108 6 70 SH SOLE 70 0 0
NCR Atleos Corp COMMON 63001N106 98 3,434 SH SOLE 3,434 0 0
NCR Voyix Corporation COMMON 62886E108 67 5,698 SH SOLE 5,698 0 0
NET LEASE OFFICE PROPERTIES ORD WI COMMON 64110Y108 3 89 SH SOLE 89 0 0
NetEase Inc COMMON 64110W102 269 2,000 SH SOLE 2,000 0 0
Netflix Inc. COMMON 64110L106 395 295 SH SOLE 295 0 0
Nextera Energy COMMON 65339F101 506 7,284 SH SOLE 7,184 0 100
Nike, Inc. COMMON 654106103 27 379 SH SOLE 379 0 0
Nisource Inc. COMMON 65473P105 4,532 112,345 SH SOLE 103,935 0 8,410
Norfolk Southern COMMON 655844108 401 1,567 SH SOLE 1,567 0 0
Northrop Grumman Corp COMMON 666807102 53 107 SH SOLE 107 0 0
NortonLifeLock Inc COMMON 668771108 410 13,944 SH SOLE 13,944 0 0
Norwegian Cruise Line Holding Ltd COMMON G66721104 2,044 100,810 SH SOLE 93,324 0 7,486
Novartis Ag ADR ADR 66987V109 76 625 SH SOLE 625 0 0
Novo-Nordisk ADR ADR 670100205 350 5,076 SH SOLE 5,076 0 0
Nuveen AMT-Free Municipal Income Fund COMMON 670657105 5 500 SH SOLE 500 0 0
Nvidia Corp COMMON 67066G104 1,187 7,511 SH SOLE 7,511 0 0
Nxp Semiconductors COMMON N6596X109 14 65 SH SOLE 65 0 0
Occidental Pete Corp COMMON 674599162 3 123 SH SOLE 123 0 0
Occidental Petroleum Corp. COMMON 674599105 28 666 SH SOLE 666 0 0
Oneok Inc New COMMON 682680103 439 5,372 SH SOLE 5,372 0 0
Oracle COMMON 68389X105 379 1,735 SH SOLE 1,735 0 0
O'Reilly Automotive New COMMON 67103H107 12 135 SH SOLE 135 0 0
Organon & Co COMMON 68622V106 26 2,636 SH SOLE 2,636 0 0
OTIS Worldwide Corp-Wi COMMON 68902V107 109 1,097 SH SOLE 812 0 285
Ovintiv Ord COMMON 69047Q102 0 4 SH SOLE 4 0 0
P P G Industries Inc. COMMON 693506107 180 1,583 SH SOLE 1,583 0 0
Palo Alto Networks COMMON 697435105 189 925 SH SOLE 925 0 0
Parker Hannifin Corp COMMON 701094104 337 483 SH SOLE 483 0 0
Paypal Holdings COMMON 70450Y103 46 625 SH SOLE 425 0 200
Pepsico, Inc. COMMON 713448108 925 7,008 SH SOLE 7,008 0 0
Pfizer Inc. COMMON 717081103 3,565 147,090 SH SOLE 137,997 0 9,093
Philip Morris Intl Inc COMMON 718172109 27 150 SH SOLE 150 0 0
Phillips 66 SHS COMMON 718546104 375 3,143 SH SOLE 2,504 0 639
PIMCO Enhanced Low Duration Active ETF ETF 72201R718 18 190 SH SOLE 190 0 0
PIMCO Intermediate Muni Bond ETF ETF 72201R866 2,947 57,372 SH SOLE 55,129 0 2,243
PNC Financial Services Group Inc. COMMON 693475105 239 1,282 SH SOLE 1,282 0 0
Powershares FTSE RAFI ETF ETF 46137V613 145 3,424 SH SOLE 3,424 0 0
PowerShares QQQ Trust Sr 1 ETF ETF 46090E103 119 216 SH SOLE 216 0 0
Procore Technologies, Inc. COMMON 74275K108 2,228 32,558 SH SOLE 30,774 0 1,784
Procter & Gamble COMMON 742718109 3,251 20,404 SH SOLE 20,274 0 130
Progressive Corp COMMON 743315103 246 922 SH SOLE 922 0 0
Prologis Reit REIT 74340W103 46 438 SH SOLE 438 0 0
Public Storage, Inc. COMMON 74460D109 99 339 SH SOLE 339 0 0
Public Sv Enterprise COMMON 744573106 205 2,435 SH SOLE 2,435 0 0
Qorvo Inc COMMON 74736K101 557 6,559 SH SOLE 5,658 0 901
Quanta Services Inc COMMON 74762E102 204 539 SH SOLE 539 0 0
Republic Services Inc COMMON 760759100 132 537 SH SOLE 537 0 0
Rockwell Automation COMMON 773903109 202 608 SH SOLE 608 0 0
Roper Industries Inc COMMON 776696106 3,744 6,604 SH SOLE 6,168 0 436
Ross Stores Inc COMMON 778296103 10 81 SH SOLE 81 0 0
RTX Corporation COMMON 75513E101 491 3,361 SH SOLE 2,691 0 670
Rydex S&P 500 Eq Wgt ETF ETF 46137V357 56 308 SH SOLE 308 0 0
S & P Global Inc ETF 78409V104 108 204 SH SOLE 204 0 0
Sabre Corporation COMMON 78573M104 13 4,000 SH SOLE 4,000 0 0
Salesforce Com COMMON 79466L302 166 607 SH SOLE 607 0 0
Samsara Inc. COMMON 79589L106 3,312 83,261 SH SOLE 79,576 0 3,685
Schlumberger Limited COMMON 806857108 2,424 71,729 SH SOLE 67,349 0 4,380
Schwab Intermediate US Treasury ETF ETF 808524854 86 3,444 SH SOLE 3,444 0 0
Schwab Int'l Equity ETF ETF 808524805 14,429 652,915 SH SOLE 649,294 0 3,621
Schwab Large Cap Value Indx ETF ETF 808524409 60 2,175 SH SOLE 2,175 0 0
Schwab U.S. Broad Market ETF ETF 808524102 152,657 6,406,096 SH SOLE 5,879,038 0 527,058
Schwab US Div Equity ETF ETF 808524797 39 1,475 SH SOLE 0 0 1,475
Schwab US Mid-Cap ETF ETF 808524508 2 54 SH SOLE 54 0 0
Schwab US Small-Cap ETF ETF 808524607 2 76 SH SOLE 76 0 0
Seagate Technology PLC COMMON G7997R103 6,024 41,738 SH SOLE 38,218 0 3,520
Sector Spdr Fincl Select ETF 81369Y605 117 2,238 SH SOLE 2,238 0 0
Sector SPDR Health Fd Shares ETF 81369Y209 34 251 SH SOLE 251 0 0
Sector SPDR Tech Select Shares ETF 81369Y803 638 2,519 SH SOLE 2,519 0 0
Select Sector Industrial ETF ETF 81369Y704 19 129 SH SOLE 129 0 0
Sempra Energy COMMON 816851109 312 4,115 SH SOLE 4,115 0 0
Sensata Technologies Holding PLC COMMON G8060N102 327 10,866 SH SOLE 10,726 0 140
ServiceNow Inc COMMON 81762P102 472 459 SH SOLE 459 0 0
Shell plc COMMON 780259305 412 5,851 SH SOLE 5,590 0 261
Skyworks Solutions Inc. COMMON 83088M102 313 4,197 SH SOLE 4,197 0 0
Solventum Corporation COMMON 83444M101 4 50 SH SOLE 50 0 0
Sonoco Products COMMON 835495102 60 1,369 SH SOLE 1,369 0 0
Sony Group Corp COMMON 835699307 1,661 63,798 SH SOLE 63,798 0 0
Southern Company COMMON 842587107 373 4,061 SH SOLE 3,204 0 857
SPDR Consumer Disc Select ETF ETF 81369Y407 95 438 SH SOLE 438 0 0
SPDR Gold Trust ETF ETF 78463V107 2,816 9,239 SH SOLE 9,239 0 0
SPDR Materials Select Sec. ETF ETF 81369Y100 32 366 SH SOLE 366 0 0
SPDR S&P 500 ETF ETF 78462F103 1,943 3,145 SH SOLE 2,231 0 914
SPDR S&P 500 Fossil Fl Fr ETF ETF 78468R796 1,350 26,511 SH SOLE 26,511 0 0
SPDR S&P 600 Small Cap ETF ETF 78464A300 55 693 SH SOLE 693 0 0
SPDR S&P Biotech ETF ETF 78464A870 108 1,300 SH SOLE 1,300 0 0
SPDR S&P Dividend ETF ETF 78464A763 178 1,314 SH SOLE 1,314 0 0
SPDR S&P Mid Cap 400 ETF ETF 78467Y107 269 475 SH SOLE 275 0 200
SPDR Utility Select Sec ETF ETF 81369Y886 12 150 SH SOLE 150 0 0
SPDR Portfolio Developed Wld ex-US ETF ETF 78463X889 21 510 SH SOLE 510 0 0
SPDR Portfolio S&P 500 Growth ETF ETF 78464A409 22 234 SH SOLE 234 0 0
SPDR Portfolio S&P 500 Value ETF ETF 78464A508 18 353 SH SOLE 353 0 0
SPDR S&P Semiconductor ETF ETF 78464A862 7 29 SH SOLE 29 0 0
Sprouts Farmers Market Inc COMMON 85208M102 25 150 SH SOLE 150 0 0
Standex Int'l Corp. COMMON 854231107 145 926 SH SOLE 926 0 0
Starbucks COMMON 855244109 321 3,501 SH SOLE 3,501 0 0
State Street Corp. COMMON 857477103 370 3,480 SH SOLE 3,480 0 0
Steris Corp. COMMON G8473T100 278 1,157 SH SOLE 1,157 0 0
Stryker Corp. COMMON 863667101 138 350 SH SOLE 205 0 145
Suncor Energy Inc. COMMON 867224107 12 324 SH SOLE 324 0 0
Symbotic Inc. COMMON 87151X101 22 576 SH SOLE 576 0 0
Synchrony Financial COMMON 87165B103 213 3,184 SH SOLE 3,184 0 0
Sysco Corp. COMMON 871829107 91 1,208 SH SOLE 1,208 0 0
Taiwan Semiconductor ADR ADR 874039100 20,587 90,896 SH SOLE 86,061 0 4,835
Take Two Interactv Sftwr COMMON 874054109 18 75 SH SOLE 75 0 0
Target Corp. COMMON 87612E106 36 360 SH SOLE 360 0 0
Tesla Motors COMMON 88160R101 4 12 SH SOLE 12 0 0
Texas Instruments Inc. COMMON 882508104 310 1,495 SH SOLE 1,495 0 0
The Charles Schwab Corp. COMMON 808513105 11,427 125,238 SH SOLE 117,174 0 8,064
The Travelers Companies Inc. COMMON 89417E109 1,285 4,803 SH SOLE 4,803 0 0
Thermo Fisher Scientific COMMON 883556102 374 923 SH SOLE 923 0 0
Thomson Reuters Corp COMMON 884903808 169 842 SH SOLE 685 0 157
Thor Industries Inc COMMON 885160101 209 2,355 SH SOLE 2,355 0 0
TJX Companies Inc COMMON 872540109 583 4,724 SH SOLE 4,724 0 0
TKO Group Holdings Inc COMMON 87256C101 19 107 SH SOLE 107 0 0
Toronto-Dominion Bank COMMON 891160509 516 7,027 SH SOLE 5,009 0 2,018
Trane Technologies PLC COMMON G8994E103 663 1,515 SH SOLE 1,515 0 0
Truist Finl Corp Com COMMON 89832Q109 15 356 SH SOLE 356 0 0
Trustmark Corp. COMMON 898402102 5,097 139,788 SH SOLE 139,788 0 0
U.S. Bancorp COMMON 902973304 48 1,050 SH SOLE 1,050 0 0
UBS Group AG COMMON H42097107 11 339 SH SOLE 339 0 0
UDR Inc COMMON 902653104 37 918 SH SOLE 918 0 0
Unilever PLC ADR ADR 904767704 536 8,759 SH SOLE 8,759 0 0
Union Pacific COMMON 907818108 422 1,834 SH SOLE 1,834 0 0
United Parcel Service COMMON 911312106 67 666 SH SOLE 666 0 0
United Rentals Inc COMMON 911363109 35 47 SH SOLE 47 0 0
Unitedhealth Group Inc. COMMON 91324P102 248 794 SH SOLE 794 0 0
Unum Provident Corp. COMMON 91529Y106 281 3,480 SH SOLE 3,480 0 0
Valero Energy COMMON 91913Y100 2,093 15,569 SH SOLE 14,350 0 1,219
Vaneck Vectors Gold Miners ETF ETF 92189F106 2,317 44,509 SH SOLE 44,509 0 0
Vangard Russell 2000 ETF ETF 92206C664 34 386 SH SOLE 386 0 0
Vanguard 500 ETF ETF 922908363 1,918 3,377 SH SOLE 184 0 3,193
Vanguard Communication Services ETF ETF 92204A884 28 166 SH SOLE 166 0 0
Vanguard Consumer Staples ETF ETF 92204A207 11 50 SH SOLE 50 0 0
Vanguard Developed Market ETF ETF 921943858 45,313 794,818 SH SOLE 695,075 0 99,743
Vanguard Div Appreciation ETF ETF 921908844 534 2,611 SH SOLE 1,792 0 819
Vanguard Emerging Market ETF ETF 922042858 23,029 465,603 SH SOLE 420,558 0 45,045
Vanguard Energy ETF ETF 92204A306 11 96 SH SOLE 96 0 0
Vanguard ESG International Stock ETF ETF 921910725 15,346 234,285 SH SOLE 193,636 0 40,649
Vanguard ESG US Corporate Bond ETF ETF 921910691 10,465 165,058 SH SOLE 139,673 0 25,385
Vanguard ESG US Stock ETF ETF 921910733 24,258 221,254 SH SOLE 179,544 0 41,710
Vanguard Financials ETF ETF 92204A405 103 808 SH SOLE 808 0 0
Vanguard FTSE All World ex US ETF ETF 922042775 13 190 SH SOLE 0 0 190
Vanguard Growth ETF ETF 922908736 2,149 4,901 SH SOLE 796 0 4,105
Vanguard Health Care ETF ETF 92204A504 399 1,606 SH SOLE 1,606 0 0
Vanguard High Dividend Yd ETF ETF 921946406 200 1,504 SH SOLE 1,504 0 0
Vanguard Info Technology ETF ETF 92204A702 145 218 SH SOLE 218 0 0
Vanguard Interm. Bond Idx ETF ETF 921937819 10 124 SH SOLE 124 0 0
Vanguard Intermediate Corporate ETF ETF 92206C870 43,054 519,224 SH SOLE 458,189 0 61,035
Vanguard Intermediate Treasury ETF ETF 92206C706 56,372 942,520 SH SOLE 835,385 0 107,135
Vanguard Large-Cap ETF ETF 922908637 9 31 SH SOLE 0 0 31
Vanguard Mid Cap ETF ETF 922908629 53 188 SH SOLE 161 0 27
Vanguard Mid Cap Value ETF ETF 922908512 68 413 SH SOLE 413 0 0
Vanguard REIT ETF ETF 922908553 148 1,666 SH SOLE 1,666 0 0
Vanguard S&P Mid-Cap 400 ETF 921932844 144 1,504 SH SOLE 1,504 0 0
Vanguard S&P Mid-Cap 400 Growth ETF ETF 921932869 102 902 SH SOLE 902 0 0
Vanguard Short-Term Bond ETF ETF 921937827 78 997 SH SOLE 997 0 0
Vanguard Short-Term Tax-Exmpt Bd ETF ETF 921935870 83 821 SH SOLE 821 0 0
Vanguard Short-Term Treasury ETF ETF 92206C102 212 3,604 SH SOLE 3,604 0 0
Vanguard Sh-Tm Inflat- Prot ETF ETF 922020805 153 3,038 SH SOLE 1,076 0 1,962
Vanguard Small Cap ETF ETF 922908751 56 238 SH SOLE 238 0 0
Vanguard Small Cap Growth ETF ETF 922908595 72 261 SH SOLE 261 0 0
Vanguard Small Cap Value ETF ETF 922908611 2 10 SH SOLE 10 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746 5,322 108,550 SH SOLE 87,420 0 21,130
Vanguard Total Int'l Bond Market ETF ETF 92203J407 303 6,127 SH SOLE 6,127 0 0
Vanguard Total Stk Mkt ETF ETF 922908769 4,682 15,404 SH SOLE 12,345 0 3,059
Vanguard Total U.S. Bond Market ETF ETF 921937835 483 6,562 SH SOLE 6,562 0 0
Vanguard Total World Stock ETF ETF 922042742 349 2,712 SH SOLE 2,712 0 0
Vanguard Utilities Index Fund ETF 92204A876 19 108 SH SOLE 108 0 0
Vanguard Value Index ETF ETF 922908744 296 1,677 SH SOLE 1,677 0 0
Veeva Systems Inc COMMON 922475108 14 48 SH SOLE 48 0 0
Ventas REIT Inc REIT 92276F100 133 2,105 SH SOLE 2,105 0 0
Verisk Analytics Inc Cla COMMON 92345Y106 162 519 SH SOLE 519 0 0
Verizon Communications Inc. COMMON 92343V104 1,016 23,479 SH SOLE 22,555 0 924
Vertex Pharmaceuticals COMMON 92532F100 254 570 SH SOLE 570 0 0
Viasat Inc COMMON 92552V100 62 4,233 SH SOLE 4,233 0 0
Viatris Inc COMMON 92556V106 1 100 SH SOLE 100 0 0
Visa Inc COMMON 92826C839 7,826 22,042 SH SOLE 21,021 0 1,021
Vistra Energy Corp COMMON 92840M102 378 1,951 SH SOLE 1,951 0 0
Vital Farms, Inc. COMMON 92847W103 237 6,143 SH SOLE 6,143 0 0
W. P. Carey & Co. LLC COMMON 92936U109 113 1,810 SH SOLE 1,810 0 0
WABTec COMMON 929740108 2 10 SH SOLE 10 0 0
Wal-Mart Stores COMMON 931142103 1,233 12,609 SH SOLE 12,609 0 0
Walt Disney Hldg COMMON 254687106 5,802 46,790 SH SOLE 44,855 0 1,935
Warner Bros. Discovery, Inc. COMMON 934423104 1 104 SH SOLE 104 0 0
Waste Management Inc COMMON 94106L109 184 805 SH SOLE 805 0 0
Watts Water Technologies COMMON 942749102 141 573 SH SOLE 70 0 503
WEC Energy Group COMMON 92939U106 381 3,659 SH SOLE 3,659 0 0
Wells Fargo & Co COMMON 949746101 140 1,751 SH SOLE 1,751 0 0
Welltower Inc REIT REIT 95040Q104 231 1,500 SH SOLE 1,500 0 0
Weyerhaeuser Company COMMON 962166104 218 8,502 SH SOLE 6,999 0 1,503
Whirlpool COMMON 963320106 61 600 SH SOLE 400 0 200
WisdomTree Emerg Mk SmCap ETF ETF 97717W281 115 2,089 SH SOLE 2,026 0 63
Wisdomtree High Dividend ETF 97717W208 13 135 SH SOLE 135 0 0
WisdomTree India Earnings ETF ETF 97717W422 127 2,665 SH SOLE 2,665 0 0
Wisdomtree Japan SmCap Div ETF ETF 97717W836 53 620 SH SOLE 620 0 0
Wyndham Hotels & Resorts Inc COMMON 98311A105 37 452 SH SOLE 452 0 0
Xcel Energy Inc. COMMON 98389B100 99 1,459 SH SOLE 1,459 0 0
Xylem Inc COMMON 98419M100 1,102 8,516 SH SOLE 8,071 0 445
Yum China Hldgs Inc Com COMMON 98850P109 2,587 57,869 SH SOLE 53,675 0 4,194
Yum! Brands, Inc. COMMON 988498101 74 499 SH SOLE 499 0 0
Zimmer Biomet Holdings Inc. COMMON 98956P102 3 32 SH SOLE 32 0 0
ZIMVIE ORD WI COMMON 98888T107 0 2 SH SOLE 2 0 0
Zoetis Inc COMMON 98978V103 193 1,239 SH SOLE 1,239 0 0