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
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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 826,411 31,021 SH SOLE 15,511 0 15,511
Barings Corporate Investors (M BDFUND 06759x107 6,448,788 297,728 SH SOLE 148,864 0 148,864
Barings Participation Investor BDFUND 06761a103 974,651 48,466 SH SOLE 24,233 0 24,233
IShares 0-5 Year TIPS ETF (STI BDFUND 46429b747 1,137,155 11,050 SH SOLE 5,525 0 5,525
IShares Nat'l Muni Bond ETF (M BDFUND 464288414 3,953,732 37,842 SH SOLE 18,921 0 18,921
IShares Short Term Nat'l Muni BDFUND 464288158 3,998,384 37,600 SH SOLE 18,800 0 18,800
IShares TIPS ETF (TIP) BDFUND 464287176 5,777,569 52,504 SH SOLE 26,252 0 26,252
Invesco Bulletshares 2025 Corp BDFUND 46138j825 1,142,694 55,256 SH SOLE 27,628 0 27,628
JPMorgan UltraShort Muni Incom BDFUND 46641q654 420,090 8,250 SH SOLE 4,125 0 4,125
SPDR Bloomberg Inter Floating BDFUND 78468r200 34,472,441 1,118,146 SH SOLE 559,073 0 559,073
SPDR Intermediate Corp Bond ET BDFUND 78464a375 413,034 12,300 SH SOLE 6,150 0 6,150
Schwab US Aggregate Bond ETF ( BDFUND 808524839 2,884,084 124,100 SH SOLE 62,050 0 62,050
Schwab US TIPS ETF (SCHP) BDFUND 808524870 5,060,396 189,670 SH SOLE 94,835 0 94,835
Vanguard Intermediate Corp ETF BDFUND 92206c870 8,000,287 96,482 SH SOLE 48,241 0 48,241
Vanguard Muni Bond Tax Exempt BDFUND 922907746 473,139 9,650 SH SOLE 4,825 0 4,825
Vanguard Short Ter Corp Bd ETF BDFUND 92206c409 15,909,222 200,116 SH SOLE 100,058 0 100,058
iShares 1-5 Yr Inv Grade Corp BDFUND 464288646 3,370,836 63,890 SH SOLE 31,945 0 31,945
iShares Intrm Govt/Credit Bond BDFUND 464288612 519,640 4,866 SH SOLE 2,433 0 2,433
iShares Muni Bd 2029 (IBMR) BDFUND 46436e163 705,683 27,970 SH SOLE 13,985 0 13,985
iShares iBonds 2026 Corp ETF ( BDFUND 46435gaa0 583,212 24,050 SH SOLE 12,025 0 12,025
Charles Schwab US REIT (SCHH) REIT 808524847 1,043,865 49,332 SH SOLE 24,666 0 24,666
Vanguard Real Estate ETF (VNQ) REIT 922908553 869,582 9,764 SH SOLE 4,882 0 4,882
Weyerhauser (WY) REIT 962166104 1,633,370 63,580 SH SOLE 31,790 0 31,790
3M CO (MMM) COM 88579y101 840,060 5,518 SH SOLE 2,759 0 2,759
AFLAC INC (AFL) COM 001055102 1,123,149 10,650 SH SOLE 5,325 0 5,325
AMCOR PLC F (AMCR) COM g0250x107 549,268 59,768 SH SOLE 29,884 0 29,884
AT&T INC COM 00206r102 642,063 22,186 SH SOLE 11,093 0 11,093
Abbott Labs (ABT) COM 002824100 3,219,901 23,674 SH SOLE 11,837 0 11,837
Abbvie Inc (ABBV) COM 00287y109 2,082,007 11,217 SH SOLE 5,608 0 5,608
Accenture PLC Ireland Class A COM g1151c101 543,382 1,818 SH SOLE 909 0 909
Advanced Micro Devices (AMD) COM 007903107 493,311 3,476 SH SOLE 1,738 0 1,738
Aerovironment (AVAV) COM 008073108 2,214,061 7,770 SH SOLE 3,885 0 3,885
Air Products & Chemicals (APD) COM 009158106 487,964 1,730 SH SOLE 865 0 865
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 1,594,463 9,048 SH SOLE 4,524 0 4,524
Alphabet Inc Class C (GOOG) COM 02079k107 6,869,392 38,725 SH SOLE 19,362 0 19,362
Amazon Inc (AMZN) COM 023135106 7,929,214 36,142 SH SOLE 18,071 0 18,071
Amgen Inc (AMGN) COM 031162100 559,537 2,004 SH SOLE 1,002 0 1,002
Amplify Cybersecurity ETF (HAC COM 032108664 2,409,723 27,900 SH SOLE 13,950 0 13,950
Analog Devices (ADI) COM 032654105 515,075 2,164 SH SOLE 1,082 0 1,082
Appfolio Cl A (APPF) COM 03783C100 711,565 3,090 SH SOLE 1,545 0 1,545
Apple Inc (AAPL) COM 037833100 12,941,864 63,079 SH SOLE 31,539 0 31,539
Autodesk Inc (ADSK) COM 052769106 2,389,880 7,720 SH SOLE 3,860 0 3,860
Automatic Data Processing (ADP COM 053015103 1,511,160 4,900 SH SOLE 2,450 0 2,450
BWX Technologies Inc (BWXT) COM 05605h100 525,819 3,650 SH SOLE 1,825 0 1,825
Bank Montreal (BMO) COM 063671101 1,530,455 13,834 SH SOLE 6,917 0 6,917
Bank New York Mellon (BK) COM 064058100 888,322 9,750 SH SOLE 4,875 0 4,875
Bank of America (BAC) COM 060505104 1,349,188 28,512 SH SOLE 14,256 0 14,256
Berkshire Hathaway B (BRKB) COM 084670702 3,899,762 8,028 SH SOLE 4,014 0 4,014
Blackstone Inc (BX) COM 09260d107 1,018,341 6,808 SH SOLE 3,404 0 3,404
Boeing Co (BA) COM 097023105 489,462 2,336 SH SOLE 1,168 0 1,168
Bristol Myers (BMY) COM 110122108 876,455 18,934 SH SOLE 9,467 0 9,467
Broadcom Inc (AVGO) COM 11135f101 1,557,422 5,650 SH SOLE 2,825 0 2,825
CSG Systems (CSGS) COM 126349109 1,182,111 18,100 SH SOLE 9,050 0 9,050
CVS Health Corp (CVS) COM 126650100 1,067,672 15,478 SH SOLE 7,739 0 7,739
Carrier Global Corp (CARR) COM 14448c104 1,555,141 21,248 SH SOLE 10,624 0 10,624
Caterpillar Inc (CAT) COM 149123101 509,332 1,312 SH SOLE 656 0 656
Check Point Software (CHKP) COM m22465104 3,588,232 16,218 SH SOLE 8,109 0 8,109
Chevron Corp (CVX) COM 166764100 1,934,497 13,510 SH SOLE 6,755 0 6,755
Chewy Cl A (CHWY) COM 16679l109 918,035 21,540 SH SOLE 10,770 0 10,770
Cincinnati Financial (CINF) COM 172062101 558,450 3,750 SH SOLE 1,875 0 1,875
Cisco Systems (CSCO) COM 17275r102 5,242,353 75,560 SH SOLE 37,780 0 37,780
Coca-Cola (KO) COM 191216100 1,782,617 25,196 SH SOLE 12,598 0 12,598
Colgate Palmolive (CL) COM 194162103 1,518,939 16,710 SH SOLE 8,355 0 8,355
Comcast Cl A (CMCSA) COM 20030n101 1,470,785 41,210 SH SOLE 20,605 0 20,605
Corcept Therapeutics (CORT) COM 218352102 1,018,792 13,880 SH SOLE 6,940 0 6,940
Costco (COST) COM 22160k105 764,234 772 SH SOLE 386 0 386
Crowdstrike Hldgs Inc Cl A (CR COM 22788c105 554,129 1,088 SH SOLE 544 0 544
D-Wave Quantum Inc (QBTS) COM 26740w109 348,432 23,800 SH SOLE 11,900 0 11,900
Danaher Corp (DHR) COM 235851102 842,706 4,266 SH SOLE 2,133 0 2,133
Deere & Co (DE) COM 244199105 527,813 1,038 SH SOLE 519 0 519
Eaton Corporation PLC (ETN) COM g29183103 715,408 2,004 SH SOLE 1,002 0 1,002
Electronic Arts (EA) COM 285512109 402,444 2,520 SH SOLE 1,260 0 1,260
Eli Lilly (LLY) COM 532457108 2,934,151 3,764 SH SOLE 1,882 0 1,882
Emerson Electric Co (EMR) COM 291011104 564,253 4,232 SH SOLE 2,116 0 2,116
Exxon Mobil Corp (XOM) COM 30231g102 4,427,130 41,068 SH SOLE 20,534 0 20,534
Fair Isaac Corp (FICO) COM 303250104 1,001,722 548 SH SOLE 274 0 274
Fastenal Co (FAST) COM 311900104 1,126,188 26,814 SH SOLE 13,407 0 13,407
GE Aerospace (GE) COM 369604301 1,096,996 4,262 SH SOLE 2,131 0 2,131
GE Vernova Inc (GEV) COM 36828a101 706,944 1,336 SH SOLE 668 0 668
Garmin Ltd (GRMN) COM h2906t109 821,522 3,936 SH SOLE 1,968 0 1,968
General Dynamics Corp (GD) COM 369550108 403,074 1,382 SH SOLE 691 0 691
General Mills Inc (GIS) COM 370334104 448,882 8,664 SH SOLE 4,332 0 4,332
General Motors Co (GM) COM 37045v100 775,746 15,764 SH SOLE 7,882 0 7,882
Gilead Sciences Inc (GILD) COM 375558103 436,828 3,940 SH SOLE 1,970 0 1,970
Globalstar Inc (GSAT) COM 378973507 687,660 29,200 SH SOLE 14,600 0 14,600
Graco Inc (GGG) COM 384109104 404,059 4,700 SH SOLE 2,350 0 2,350
Hamilton Beach Brands Class A COM 40701t104 2,449,105 136,898 SH SOLE 68,449 0 68,449
Hologic Inc (HOLX) COM 436440101 1,443,033 22,146 SH SOLE 11,073 0 11,073
Home Depot Inc (HD) COM 437076102 2,430,823 6,630 SH SOLE 3,315 0 3,315
Honeywell International Inc (H COM 438516106 2,417,294 10,380 SH SOLE 5,190 0 5,190
Hormel Foods Corp (HRL) COM 440452100 718,473 23,751 SH SOLE 11,876 0 11,876
Hyster-Yale Inc (HY) COM 449172105 2,923,432 73,490 SH SOLE 36,745 0 36,745
IBM Corp (IBM) COM 459200101 945,654 3,208 SH SOLE 1,604 0 1,604
Illinois Tool Works (ITW) COM 452308109 1,321,304 5,344 SH SOLE 2,672 0 2,672
Ingredion (INGR) COM 457187102 501,794 3,700 SH SOLE 1,850 0 1,850
Insulet Corp (PODD) COM 45784p101 554,214 1,764 SH SOLE 882 0 882
Intel Corp (INTC) COM 458140100 1,130,068 50,449 SH SOLE 25,225 0 25,225
Interparfums (IPAR) COM 458334109 556,754 4,240 SH SOLE 2,120 0 2,120
Invesco Water Resources ETF (P COM 46137v142 1,866,597 26,700 SH SOLE 13,350 0 13,350
JP Morgan Chase & Co (JPM) COM 46625h100 6,412,229 22,118 SH SOLE 11,059 0 11,059
Johnson & Johnson (JNJ) COM 478160104 3,927,506 25,712 SH SOLE 12,856 0 12,856
KKR & Co (KKR) COM 48251w104 3,953,386 29,718 SH SOLE 14,859 0 14,859
Korn Ferry (KFI) COM 500643200 535,309 7,300 SH SOLE 3,650 0 3,650
LKQ Corp (LKQ) COM 501889208 434,867 11,750 SH SOLE 5,875 0 5,875
Landstar Corp (LSTR) COM 515098101 633,375 4,556 SH SOLE 2,278 0 2,278
Lemaitre Vascular (LMAT) COM 525558201 502,452 6,050 SH SOLE 3,025 0 3,025
Linde PLC (LIN) COM g54950103 560,201 1,194 SH SOLE 597 0 597
Lowes Co (LOW) COM 548661107 741,490 3,342 SH SOLE 1,671 0 1,671
McDonalds (MCD) COM 580135101 1,561,356 5,344 SH SOLE 2,672 0 2,672
Medtronic PLC (MDT) COM g5960l103 439,685 5,044 SH SOLE 2,522 0 2,522
Merck & Co (MRK) COM 58933y105 1,869,126 23,612 SH SOLE 11,806 0 11,806
Microsoft Corp (MSFT) COM 594918104 11,186,734 22,490 SH SOLE 11,245 0 11,245
Morgan Stanley (MS) COM 617446448 799,521 5,676 SH SOLE 2,838 0 2,838
Nacco Industries Cl A (NC) COM 629579103 2,549,686 57,542 SH SOLE 28,771 0 28,771
NextEra Energy (NEE) COM 65339f101 1,912,382 27,548 SH SOLE 13,774 0 13,774
Norfolk Southern (NSC) COM 655844108 669,106 2,614 SH SOLE 1,307 0 1,307
Novartis ADR (NVS) COM 66987v109 537,768 4,444 SH SOLE 2,222 0 2,222
Nvidia (NVDA) COM 67066g104 2,783,099 17,616 SH SOLE 8,808 0 8,808
Oracle Corp (ORCL) COM 68389x105 2,412,801 11,036 SH SOLE 5,518 0 5,518
Otis Worldwide (OTIS) COM 68902v107 638,481 6,448 SH SOLE 3,224 0 3,224
PNC Fin'l Services (PNC) COM 693475105 415,344 2,228 SH SOLE 1,114 0 1,114
PPL Corp (PPL) COM 69351t106 414,204 12,222 SH SOLE 6,111 0 6,111
Palantir Technologies Cl A (PL COM 69608a108 1,614,029 11,840 SH SOLE 5,920 0 5,920
Pepsico (PEP) COM 713448108 3,066,731 23,226 SH SOLE 11,613 0 11,613
Pfizer Inc (PFE) COM 717081103 1,279,741 52,795 SH SOLE 26,397 0 26,397
Phillips 66 (PSX) COM 718546104 1,736,292 14,554 SH SOLE 7,277 0 7,277
Primary Hydrogen Corp (HNATF) COM 74167W103 5,844 20,000 SH SOLE 10,000 0 10,000
Procter & Gamble (PG) COM 742718109 3,420,282 21,468 SH SOLE 10,734 0 10,734
Qualcom Corp (QCOM) COM 747525103 410,254 2,576 SH SOLE 1,288 0 1,288
RTX Corp (RTX) COM 75513e101 3,821,051 26,168 SH SOLE 13,084 0 13,084
Regions Financial (RF) COM 7591ep100 771,456 32,800 SH SOLE 16,400 0 16,400
Robo Global Robotics & Automat COM 301505707 1,242,228 20,780 SH SOLE 10,390 0 10,390
Salesforce Inc (CRM) COM 79466l302 1,084,215 3,976 SH SOLE 1,988 0 1,988
Scandium Mining (SCYYF) COM 80600l109 3,186 236,000 SH SOLE 118,000 0 118,000
Sealsq Corp (LAES) COM G79483106 149,110 37,000 SH SOLE 18,500 0 18,500
Smucker JM Co (SJM) COM 832696405 1,168,384 11,898 SH SOLE 5,949 0 5,949
Sonoco Products (SON) COM 835495102 1,028,452 23,610 SH SOLE 11,805 0 11,805
Sprouts Farmers Markets (SFM) COM 85208m102 1,997,083 12,130 SH SOLE 6,065 0 6,065
Starbucks Corp (SBUX) COM 855244109 1,069,872 11,676 SH SOLE 5,838 0 5,838
State Street Corp (STT) COM 857477103 909,207 8,550 SH SOLE 4,275 0 4,275
Stryker Corp (SYK) COM 863667101 820,537 2,074 SH SOLE 1,037 0 1,037
Sysco Corp (SYY) COM 871829107 2,199,793 29,044 SH SOLE 14,522 0 14,522
T Rowe Price Group (TROW) COM 74144t108 429,425 4,450 SH SOLE 2,225 0 2,225
TD Synnex (SNX) COM 87162w100 400,315 2,950 SH SOLE 1,475 0 1,475
TJX Companies (TJX) COM 872540109 4,221,382 34,184 SH SOLE 17,092 0 17,092
Taiwan Semiconductor Manufactu COM 874039100 1,075,375 4,748 SH SOLE 2,374 0 2,374
Target (TGT) COM 87612e106 1,003,087 10,168 SH SOLE 5,084 0 5,084
Texas Instruments Inc (TXN) COM 882508104 1,207,518 5,816 SH SOLE 2,908 0 2,908
Thermo Fisher Scientific (TMO) COM 883556102 553,858 1,366 SH SOLE 683 0 683
Trade Desk Inc (TTD) COM 88339j105 922,912 12,820 SH SOLE 6,410 0 6,410
Trex Co (TREX) COM 89531p105 1,338,836 24,620 SH SOLE 12,310 0 12,310
Tyler Technologies Inc (TYL) COM 902252105 640,267 1,080 SH SOLE 540 0 540
US Bancorp (USB) COM 902973304 1,809,185 39,982 SH SOLE 19,991 0 19,991
Ulta Beauty Inc (ULTA) COM 90384s303 1,520,415 3,250 SH SOLE 1,625 0 1,625
Unilever PLC (UL) COM 904767704 965,140 15,778 SH SOLE 7,889 0 7,889
Union Pacific Corp (UNP) COM 907818108 524,122 2,278 SH SOLE 1,139 0 1,139
United Parcel Service Inc (UPS COM 911312106 1,036,866 10,272 SH SOLE 5,136 0 5,136
Universal Display (OLED) COM 91347p105 434,033 2,810 SH SOLE 1,405 0 1,405
VISA Inc CL A (V) COM 92826c839 3,926,853 11,060 SH SOLE 5,530 0 5,530
Vericel Corp (VCEL) COM 92346j108 549,746 12,920 SH SOLE 6,460 0 6,460
Verisk Analytics Inc Cl A (VRS COM 92345y106 2,981,055 9,570 SH SOLE 4,785 0 4,785
Verizon Communications (VZ) COM 92343v104 1,475,853 34,108 SH SOLE 17,054 0 17,054
WD 40 CO (WDFC) COM 929236107 1,219,369 5,346 SH SOLE 2,673 0 2,673
Walmart Inc (WMT) COM 931142103 1,483,127 15,168 SH SOLE 7,584 0 7,584
Walt Disney Corp (DIS) COM 254687106 2,163,478 17,446 SH SOLE 8,723 0 8,723
Zoetis Inc (ZTS) COM 98978v103 1,810,579 11,610 SH SOLE 5,805 0 5,805
Invesco S&P500 High Div Low Vo ETF 46138e362 665,840 14,000 SH SOLE 7,000 0 7,000
Invesco SP 500 Equal Weight ET ETF 46137v357 6,948,503 38,233 SH SOLE 19,117 0 19,117
SPDR Portfolio S&P 500 ETF (SP ETF 78464a854 508,830 7,000 SH SOLE 3,500 0 3,500
SPDR Portfolio S&P400 Mid Cap ETF 78464a847 1,180,046 21,700 SH SOLE 10,850 0 10,850
SPDR S&P 500 ETF (SPY) ETF 78462f103 3,523,599 5,703 SH SOLE 2,852 0 2,852
SPDR S&P Dividend ETF (SDY) ETF 78464a763 970,469 7,150 SH SOLE 3,575 0 3,575
SPDR S&P Mid Cap 400 ETF (MDY) ETF 78467y107 17,451,065 30,806 SH SOLE 15,403 0 15,403
Schwab US Broad Mkt ETF (SCHB) ETF 808524102 7,759,858 325,634 SH SOLE 162,817 0 162,817
Schwab US Dividend Equity ETF ETF 808524797 11,769,604 444,136 SH SOLE 222,068 0 222,068
Schwab US Large Cap ETF (SCHX) ETF 808524201 6,664,299 272,680 SH SOLE 136,340 0 136,340
Schwab US Large Cap Growth ETF ETF 808524300 15,390,827 526,903 SH SOLE 263,451 0 263,451
Schwab US Mid Cap ETF (SCHM) ETF 808524508 13,850,772 493,789 SH SOLE 246,894 0 246,894
Schwab US Small Cap ETF (SCHA) ETF 808524607 8,027,475 317,292 SH SOLE 158,646 0 158,646
Vanguard Extended Market ETF ( ETF 922908652 2,287,468 11,870 SH SOLE 5,935 0 5,935
Vanguard High Dividend Yield E ETF 921946406 473,250 3,550 SH SOLE 1,775 0 1,775
Vanguard Mid Cap ETF (VO) ETF 922908629 887,061 3,170 SH SOLE 1,585 0 1,585
Vanguard S&P 500 ETF (VOO) ETF 922908363 16,143,208 28,420 SH SOLE 14,210 0 14,210
Vanguard Small Cap Growth ETF ETF 922908595 3,508,830 12,670 SH SOLE 6,335 0 6,335
Vanguard Total Stock Market ET ETF 922908769 672,999 2,214 SH SOLE 1,107 0 1,107
iShares CORE S&P 500 ETF IV ETF 464287200 2,366,871 3,812 SH SOLE 1,906 0 1,906
iShares Preferred Income Sec E ETF 464288687 3,686,596 120,163 SH SOLE 60,081 0 60,081
iShares S&P 100 ETF (OEF) ETF 464287101 1,418,271 4,660 SH SOLE 2,330 0 2,330
iShares USA ESG Select (SUSA) ETF 464288802 521,703 4,116 SH SOLE 2,058 0 2,058
IShares Global 100 ETF (IOO) ETF 464287572 2,035,453 18,880 SH SOLE 9,440 0 9,440
IShares Int'l Select Div ETF ( ETF 464288448 776,820 22,510 SH SOLE 11,255 0 11,255
IShares MSCI Canada ETF IV (EW ETF 464286509 511,896 11,080 SH SOLE 5,540 0 5,540
IShares MSCI EAFE ETF (EFA) ETF 464287465 3,444,445 38,533 SH SOLE 19,266 0 19,266
IShares MSCI Ireland ETF (EIRL ETF 46429b507 790,873 11,790 SH SOLE 5,895 0 5,895
SPDR S&P Int'l Dividend ETF (D ETF 78463x772 464,830 11,028 SH SOLE 5,514 0 5,514
Schwab Emerging Mkts Equity ET ETF 808524706 2,617,659 86,850 SH SOLE 43,425 0 43,425
Schwab International Equity ET ETF 808524805 17,345,729 784,875 SH SOLE 392,437 0 392,437
Vanguard FTSE All World ex US ETF 922042775 847,510 12,608 SH SOLE 6,304 0 6,304
Vanguard Total World Stock ETF ETF 922042742 537,214 4,180 SH SOLE 2,090 0 2,090