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
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
3 M Company COM 88579Y101 2,000 12,825 SH   SOLE 0 0 11,277 1,548
A T & T COM 00206R102 1,238 40,965 SH   SOLE 0 0 36,097 4,868
Abbott Labs COM 002824100 1,455 15,919 SH   SOLE 0 0 14,506 1,413
Abbvie COM 00287Y109 1,099 11,199 SH   SOLE 0 0 9,246 1,953
Accenture CL A G1151C101 350 1,630 SH   SOLE 0 0 1,630 0
ADP COM 053015103 649 4,363 SH   SOLE 0 0 3,900 463
Aflac Inc COM 001055102 321 8,922 SH   SOLE 0 0 6,722 2,200
Agilent Tech COM 00846U101 215 2,438 SH   SOLE 0 0 2,438 0
Air Products COM 009158109 707 2,930 SH   SOLE 0 0 2,905 25
AJ Gallagher Co COM 363576109 775 7,950 SH   SOLE 0 0 7,950 0
Alibaba Group COM 01609W102 413 1,915 SH   SOLE 0 0 1,856 59
Alliant Energy COM 018802108 379 7,934 SH   SOLE 0 0 7,934 0
Alphabet Inc Cl A CAP STK 02079K305 1,296 914 SH   SOLE 0 0 878 36
Alphabet Inc Cl C CAP STK 02079K107 1,378 975 SH   SOLE 0 0 969 6
Altria Group Inc COM 02209S103 603 15,381 SH   SOLE 0 0 13,934 1,447
Amazon com COM 023135106 2,190 794 SH   SOLE 0 0 778 16
Amer Electric COM 025537101 610 7,663 SH   SOLE 0 0 6,503 1,160
Amer Express COM 025816109 537 5,642 SH   SOLE 0 0 5,181 461
Amer Tower COM 03027X100 1,596 6,177 SH   SOLE 0 0 5,526 651
Amgen COM 031162100 405 1,719 SH   SOLE 0 0 1,567 152
Amphenol COM 032095101 233 2,435 SH   SOLE 0 0 2,435 0
Apple Computer COM 037833100 7,592 20,812 SH   SOLE 0 0 19,458 1,354
BankAmerica COM 060505104 1,163 48,971 SH   SOLE 0 0 48,971 0
Becton Dickinson COM 075887109 394 1,650 SH   SOLE 0 0 1,625 25
Berkshire Htwy Cl A COM 084990175 267 100 SH   SOLE 0 0 100 0
Berkshire Htwy Cl B COM 084670207 3,266 18,300 SH   SOLE 0 0 18,182 118
Blackrock Inc COM 09247X101 423 779 SH   SOLE 0 0 779 0
Blackstone Group COM 09253U108 591 10,435 SH   SOLE 0 0 8,018 2,417
Boeing Co COM 097023105 923 5,037 SH   SOLE 0 0 4,619 418
Bristol Myers COM 110122108 1,260 21,431 SH   SOLE 0 0 16,098 5,333
Broadcom Ltd COM Y0486S104 316 1,003 SH   SOLE 0 0 853 150
Caterpillar Inc COM 149123101 885 6,996 SH   SOLE 0 0 5,664 1,332
Celanese Corp COM 150870103 614 7,117 SH   SOLE 0 0 6,167 950
Chevron Corp COM 166764100 1,141 12,795 SH   SOLE 0 0 10,798 1,997
Chubb Ltd COM H1467J104 702 5,548 SH   SOLE 0 0 4,791 757
Church Dwight COM 171340102 254 3,288 SH   SOLE 0 0 2,016 1,272
Churchill Downs COM 171484108 572 4,300 SH   SOLE 0 0 4,100 200
Cisco Systems Inc COM 17275R102 2,763 59,257 SH   SOLE 0 0 58,827 430
Citigroup COM 172967101 460 9,013 SH   SOLE 0 0 8,953 60
Clorox COM 189054109 552 2,518 SH   SOLE 0 0 2,442 76
Coca-Cola Company COM 191216100 1,470 32,905 SH   SOLE 0 0 28,051 4,854
ColgatePalmolive COM 194162103 1,168 15,955 SH   SOLE 0 0 14,475 1,480
Comcast COM 20030N101 845 21,687 SH   SOLE 0 0 17,813 3,874
Communication Svs ETF 81369Y852 7,376 136,506 SH   SOLE 0 0 118,651 17,855
ConocoPhillips COM 20825C104 432 10,282 SH   SOLE 0 0 8,230 2,052
Constellation Brand COM 21036P108 483 2,765 SH   SOLE 0 0 2,700 65
Consumer Discr SPDR ETF 81369Y407 6,520 51,059 SH   SOLE 0 0 43,532 7,527
Consumer Stpls SPDR ETF 81369Y308 3,591 61,255 SH   SOLE 0 0 56,161 5,094
Costco COM 22160K105 2,375 7,833 SH   SOLE 0 0 6,979 854
Crown Catle Intl COM 22822V101 1,093 6,535 SH   SOLE 0 0 5,935 600
CSX Corp COM 126408103 1,338 19,189 SH   SOLE 0 0 16,147 3,042
Cummins Inc COM 231021106 1,988 11,476 SH   SOLE 0 0 9,503 1,973
CVS Caremark COM 126650100 810 12,481 SH   SOLE 0 0 11,055 1,426
Danaher Corp COM 235851102 694 3,930 SH   SOLE 0 0 3,830 100
Deere COM 244199105 365 2,324 SH   SOLE 0 0 2,198 126
Duke Energy COM 26441C105 694 8,688 SH   SOLE 0 0 6,955 1,733
Dunkin Brands COM 265504100 448 6,878 SH   SOLE 0 0 5,967 911
Eastman Chem COM 277432100 386 5,554 SH   SOLE 0 0 4,953 601
Eli Lilly Company COM 532457108 2,369 14,432 SH   SOLE 0 0 13,344 1,088
Emerson Electric COM 291011104 398 6,426 SH   SOLE 0 0 5,395 1,031
Energy Select SPDR ETF 81369Y506 2,481 65,557 SH   SOLE 0 0 57,159 8,398
Exelon Corporation COM 30161N101 521 14,382 SH   SOLE 0 0 11,820 2,562
Exxon Mobil COM 30231G102 685 15,334 SH   SOLE 0 0 11,800 3,534
Facebook COM 30303M102 1,476 6,502 SH   SOLE 0 0 6,356 146
Fastenal COM 311900104 245 5,738 SH   SOLE 0 0 5,738 0
FedEx Corp COM 31428X106 639 4,558 SH   SOLE 0 0 4,178 380
Fidelity MSCI Util ETF 316092865 218 5,990 SH   SOLE 0 0 5,990 0
Fidelity Total Bond ETF 316188309 405 7,518 SH   SOLE 0 0 7,518 0
Financial Select COM 81369Y605 3,362 145,312 SH   SOLE 0 0 131,174 14,138
Firstenergy COM 337932107 259 6,703 SH   SOLE 0 0 5,442 1,261
Fiserv COM 337738108 243 2,492 SH   SOLE 0 0 2,492 0
General Electric COM 369604103 314 46,031 SH   SOLE 0 0 34,963 11,068
General Mills Inc COM 370334104 358 5,816 SH   SOLE 0 0 5,116 700
Goldman Sachs ETF Tr ETF 381430503 791 12,650 SH   SOLE 0 0 12,650 0
Healthcare SPDR COM 81369Y209 6,611 66,072 SH   SOLE 0 0 60,190 5,882
Hershey COM 427866108 510 3,937 SH   SOLE 0 0 3,785 152
Home Depot COM 437076102 1,487 5,936 SH   SOLE 0 0 5,267 669
Honeywell Intl COM 438516106 1,030 7,129 SH   SOLE 0 0 7,084 45
IBM COM 459200101 673 5,573 SH   SOLE 0 0 4,851 722
Illinois Tool COM 452308109 361 2,067 SH   SOLE 0 0 2,067 0
Industrial SPDR COM 81369Y704 3,101 45,141 SH   SOLE 0 0 40,285 4,856
Intel Corp COM 458140100 3,171 53,013 SH   SOLE 0 0 39,463 13,550
Intl Paper COM 460146103 252 7,165 SH   SOLE 0 0 6,840 325
Intuit COM 461202103 579 1,955 SH   SOLE 0 0 1,955 0
Intuitive Surgical COM 46120E602 288 506 SH   SOLE 0 0 500 6
Invesco Active US RE ETF 46090A101 208 2,588 SH   SOLE 0 0 2,588 0
Invesco Div Achievers ETF 46137V506 806 28,620 SH   SOLE 0 0 28,620 0
Invesco Dyn Biotech ETF 46137V787 210 3,613 SH   SOLE 0 0 3,613 0
Invesco Dyn Sofwater ETF 46137V639 360 3,142 SH   SOLE 0 0 3,142 0
Invesco Financial Pfd ETF 46137V621 264 14,756 SH   SOLE 0 0 14,756 0
Invesco QQQ ETF 46090E103 4,794 19,362 SH   SOLE 0 0 18,972 390
Inveso Buy Back Achievers ETF 46137V308 477 8,312 SH   SOLE 0 0 8,312 0
iSahres S&P 500 Value ETF 464287408 333 3,078 SH   SOLE 0 0 2,883 195
iShares 0-5 TIPS ETF 46429B747 204 2,000 SH   SOLE 0 0 2,000 0
iShares Core Div Grwth ETF 46434V621 557 14,840 SH   SOLE 0 0 13,565 1,275
iShares Core High Div ETF 46429B663 304 3,751 SH   SOLE 0 0 3,551 200
iShares Core S&P Small ETF 464287804 1,849 27,076 SH   SOLE 0 0 22,969 4,107
iShares Core S&P US Stock ETF 464287150 7,741 111,488 SH   SOLE 0 0 107,493 3,995
Ishares CoreMSCI ETF 46432F834 2,718 49,859 SH   SOLE 0 0 2,454 47,405
iShares Edge MSCI Min Vol ETF 46429B697 558 9,213 SH   SOLE 0 0 8,597 616
iShares Edge MSCI Qlty Fac ETF 46432F339 629 6,558 SH   SOLE 0 0 6,558 0
ishares Emerg Mkts ETF 46434G103 3,337 70,109 SH   SOLE 0 0 62,627 7,482
iShares ESG MSCI USA ETF 46435G425 372 5,329 SH   SOLE 0 0 5,329 0
iShares MSCI USA Momentum ETF 46432F396 548 4,185 SH   SOLE 0 0 4,125 60
iShares NA Tech ETF 464287515 611 2,150 SH   SOLE 0 0 2,150 0
iShares Nasdaq Biotech ETF 464287556 348 2,549 SH   SOLE 0 0 2,549 0
iShares Nat'l Muni Bond ETF 464288414 258 2,242 SH   SOLE 0 0 2,242 0
iShares S&P 500 Indx ETF 464287200 227 735 SH   SOLE 0 0 725 10
iShares S&P Grwth ETF 464287309 351 1,695 SH   SOLE 0 0 1,695 0
iShares S&P Mid ETF 464287507 1,049 5,903 SH   SOLE 0 0 1,034 4,869
iShares Select Div ETF 464287168 850 10,537 SH   SOLE 0 0 10,039 498
iShres Core MSCI AEFE ETF 46432F842 4,128 72,226 SH   SOLE 0 0 63,245 8,981
J P Morgan COM 46625H100 1,375 14,624 SH   SOLE 0 0 10,519 4,105
Johnson & Johnson COM 478160104 5,634 40,069 SH   SOLE 0 0 33,815 6,254
Kellogg Company COM 487836108 373 5,659 SH   SOLE 0 0 4,894 765
Kimberly Clark COM 494368103 2,208 15,621 SH   SOLE 0 0 13,742 1,879
KLA Corp COM 482480100 272 1,400 SH   SOLE 0 0 1,400 0
Lockheed Martin COM 539830109 646 1,772 SH   SOLE 0 0 1,583 189
Lowes COM 548661107 1,776 13,148 SH   SOLE 0 0 11,932 1,216
M&T Bank Corp COM 55261F104 212 2,045 SH   SOLE 0 0 1,568 477
Masco COM 574599106 248 4,950 SH   SOLE 0 0 4,200 750
Mastercard COM 57636Q104 1,179 3,990 SH   SOLE 0 0 3,865 125
Materials Select SPDR ETF 81369Y100 980 17,403 SH   SOLE 0 0 15,232 2,171
McCormick COM 579780206 2,100 11,710 SH   SOLE 0 0 10,855 855
McDonalds COM 580135101 3,998 21,674 SH   SOLE 0 0 19,279 2,395
Medtronic Inc COM 585055106 415 4,531 SH   SOLE 0 0 2,726 1,805
Mercadolibre COM 58433R102 624 634 SH   SOLE 0 0 631 3
Merck COM 58933Y105 1,791 23,170 SH   SOLE 0 0 20,417 2,753
Metlife Inc COM 59156R108 413 11,325 SH   SOLE 0 0 9,800 1,525
Microchip Tech COM 595017104 320 3,047 SH   SOLE 0 0 2,497 550
Microsoft Corp COM 594918104 9,154 44,981 SH   SOLE 0 0 40,123 4,858
Mondelez COM 607209105 465 9,106 SH   SOLE 0 0 8,879 227
Netflix COM 64110L106 788 1,732 SH   SOLE 0 0 1,645 87
Nextera Energy COM 65339F101 1,000 4,164 SH   SOLE 0 0 4,164 0
Nike COM 654106103 3,450 35,194 SH   SOLE 0 0 30,524 4,670
Norfolk Southern COM 655844108 1,385 7,891 SH   SOLE 0 0 6,683 1,208
Northrop Grumman COM 666807102 1,241 4,039 SH   SOLE 0 0 3,337 702
Oracle Corp COM 68389X105 949 17,185 SH   SOLE 0 0 13,787 3,398
Otis Worldwide COM 68902V107 248 4,372 SH   SOLE 0 0 3,642 730
Parker Hannifin COM 701094104 302 1,653 SH   SOLE 0 0 1,303 350
Paychex COM 704326107 284 3,751 SH   SOLE 0 0 3,683 68
Paypal COM 70450Y103 592 3,398 SH   SOLE 0 0 3,382 16
Peloton Interactive COM 70614W100 201 3,487 SH   SOLE 0 0 2,250 1,237
PepsiCo COM 713448108 4,183 31,633 SH   SOLE 0 0 26,216 5,417
Pfizer COM 717081103 1,476 45,168 SH   SOLE 0 0 39,002 6,166
PhilipMorrisIntl COM 718172109 399 5,697 SH   SOLE 0 0 4,974 723
Phillips 66 COM 718546104 354 4,925 SH   SOLE 0 0 4,513 412
Pimco Active Bond ETF 77201R775 281 2,523 SH   SOLE 0 0 2,523 0
PNC Financial COM 693475105 253 2,413 SH   SOLE 0 0 2,313 100
PPG Ind COM 693506107 342 3,230 SH   SOLE 0 0 3,230 0
PPL Corp COM 69351T106 282 10,923 SH   SOLE 0 0 8,954 1,969
Procter & Gamble COM 742718109 5,063 42,345 SH   SOLE 0 0 36,457 5,888
Prudential Financial COM 744320102 489 8,034 SH   SOLE 0 0 7,333 701
Public Storage COM 74460D109 744 3,880 SH   SOLE 0 0 3,869 11
Raytheon COM 755111507 691 11,225 SH   SOLE 0 0 9,020 2,205
Real Estate Select SPDR ETF 81369Y860 2,327 66,850 SH   SOLE 0 0 56,006 10,844
Salesforce COM 79466L302 304 1,627 SH   SOLE 0 0 1,487 140
Schwab Emrg Mkt ETF 808524706 1,657 68,075 SH   SOLE 0 0 61,379 6,696
Schwab Intl Equity ETF 808524805 3,624 121,817 SH   SOLE 0 0 110,592 11,225
Schwab Sh-Trm US Treas ETF 808524862 318 6,172 SH   SOLE 0 0 1,660 4,512
Schwab US Broad ETF 808524102 17,810 242,413 SH   SOLE 0 0 227,776 14,637
Schwab US Div Equity ETF 808524797 1,422 27,489 SH   SOLE 0 0 24,782 2,707
Schwab US Lg Cap ETF 808524201 5,300 71,527 SH   SOLE 0 0 67,768 3,759
Schwab US Mid-Cap ETF 808524508 658 12,522 SH   SOLE 0 0 11,866 656
Schwab US Sml Cap ETF 808524607 1,196 18,305 SH   SOLE 0 0 17,737 568
Schwb US Bond ETF 808524839 989 17,585 SH   SOLE 0 0 13,037 4,548
SEI Investments COM 784117103 219 4,000 SH   SOLE 0 0 4,000 0
ServiceNow COM 81762P102 366 905 SH   SOLE 0 0 905 0
Sherwin Williams COM 824348106 635 1,100 SH   SOLE 0 0 1,100 0
Shopify CLA 82509L107 242 256 SH   SOLE 0 0 256 0
SPDR DJIA ETF 78467X109 493 1,914 SH   SOLE 0 0 1,820 94
SPDR Portfolio Sm Ca; ETF 78468R853 2,970 111,784 SH   SOLE 0 0 110,171 1,613
SPDR S&P 400 Mid Cap ETF 78464A847 2,808 89,879 SH   SOLE 0 0 89,879 0
SPDR S&P 500 ETF 78462F103 6,681 21,667 SH   SOLE 0 0 21,497 170
SPDR S&P 500 ETF 78464A854 7,009 193,361 SH   SOLE 0 0 189,102 4,259
SPDR S&P MidCap 400 ETF 78467Y107 204 631 SH   SOLE 0 0 631 0
StanleyBlackDecker COM 854502101 521 3,741 SH   SOLE 0 0 3,541 200
Starbucks COM 855244109 1,418 19,276 SH   SOLE 0 0 16,505 2,771
Stryker Corp COM 863667101 219 1,218 SH   SOLE 0 0 1,143 75
Sun Communities COM 866674104 1,810 13,345 SH   SOLE 0 0 13,345 0
T Rowe Price Associates COM 74144T108 545 4,420 SH   SOLE 0 0 4,420 0
Target Inc COM 87612E106 1,080 9,012 SH   SOLE 0 0 7,810 1,202
Technology SPDR ETF 81369Y803 7,393 70,762 SH   SOLE 0 0 65,828 4,934
Tesla Motors COM 88160R101 403 374 SH   SOLE 0 0 363 11
Travelers Co COM 89417E109 1,395 12,234 SH   SOLE 0 0 10,160 2,074
Truist Financial COM 89832Q109 332 8,845 SH   SOLE 0 0 8,438 407
Union Pacific COM 907818108 755 4,471 SH   SOLE 0 0 4,141 330
Utilities Select SPDR ETF 81369y886 2,097 37,164 SH   SOLE 0 0 31,872 5,292
V F Corporation COM 918204108 591 9,710 SH   SOLE 0 0 9,510 200
Vanguard Cons Spls ETF 92204A207 960 6,421 SH   SOLE 0 0 5,017 1,404
Vanguard ConsDiscr COM 92204A108 584 2,925 SH   SOLE 0 0 2,319 606
Vanguard Energy ETF 92204A306 1,629 32,395 SH   SOLE 0 0 27,653 4,742
Vanguard Fin ETF 92204A405 8,353 146,037 SH   SOLE 0 0 122,440 23,597
Vanguard FTSE ETF 922042775 3,932 82,592 SH   SOLE 0 0 75,905 6,687
Vanguard FTSE All World ETF 922042718 265 2,752 SH   SOLE 0 0 2,728 24
Vanguard FTSE Dev Mkt ETF 921943858 566 14,603 SH   SOLE 0 0 14,288 315
Vanguard Growth ETF 922908736 317 1,569 SH   SOLE 0 0 1,569 0
Vanguard Health ETF 92204A504 15,895 82,512 SH   SOLE 0 0 72,720 9,792
Vanguard Industrials ETF 92204A603 1,584 12,194 SH   SOLE 0 0 9,661 2,533
Vanguard InfoTech ETF 92204A702 3,499 125,544 SH   SOLE 0 0 108,085 17,459
Vanguard Interediate Govt ETF 92206C706 6,484 91,885 SH   SOLE 0 0 90,933 952
Vanguard Materials ETF 92204A801 467 3,872 SH   SOLE 0 0 3,266 606
Vanguard Mid Cap ETF 922908629 707 4,315 SH   SOLE 0 0 4,315 0
Vanguard S&P 500 ETF 922908363 1,025 3,618 SH   SOLE 0 0 3,618 0
Vanguard Sh-Term Corp ETF 92206C409 4,013 48,557 SH   SOLE 0 0 38,520 10,037
Vanguard Sm Cap Gr ETF 922908595 233 1,169 SH   SOLE 0 0 1,169 0
Vanguard SmallCap ETF 922908751 11,822 81,130 SH   SOLE 0 0 71,721 9,409
Vanguard Tax Ex Bond ETF 922907746 570 10,533 SH   SOLE 0 0 10,533 0
Vanguard Telecom ETF 92204A884 2,176 23,397 SH   SOLE 0 0 20,289 3,108
Vanguard Total Stk ETF 922908769 25,502 162,926 SH   SOLE 0 0 156,110 6,816
Vanguard Total World ETF 922042742 11,053 147,768 SH   SOLE 0 0 13,792 133,976
Vanguard Ttl Intl ETF 921909768 10,274 208,954 SH   SOLE 0 0 192,522 16,432
Vanguard Utilities ETF 92204A876 2,254 18,231 SH   SOLE 0 0 16,477 1,754
Vanguard Value ETF 922908744 620 6,228 SH   SOLE 0 0 6,228 0
Vanguarrd REIT ETF 922908553 1,259 16,039 SH   SOLE 0 0 15,378 661
Verizon Comm COM 92343V104 1,857 33,693 SH   SOLE 0 0 30,021 3,672
Vgrd Bd Short Term ETF 921937827 1,510 18,168 SH   SOLE 0 0 16,496 1,672
Vgrd Idx Total Bnd ETF 921937835 3,646 41,277 SH   SOLE 0 0 38,070 3,207
Vgrd Interm Bond ETF 921937819 375 4,027 SH   SOLE 0 0 4,027 0
Vguard Emer Mkt ETF 922042858 1,345 33,959 SH   SOLE 0 0 33,073 886
Vguard Lg Cap ETF 922908637 326 2,285 SH   SOLE 0 0 2,285 0
Visa CL A 92826C839 1,800 9,322 SH   SOLE 0 0 8,422 900
Walmart Stores COM 931142103 1,395 11,647 SH   SOLE 0 0 11,118 529
Walt Disney COM 254687106 4,184 37,527 SH   SOLE 0 0 32,822 4,705
Waste Mgmt COM 94106L109 1,203 11,359 SH   SOLE 0 0 9,326 2,033
WD-40 COM 929236107 233 1,175 SH   SOLE 0 0 1,175 0
WW Grainger COM 384802104 521 1,660 SH   SOLE 0 0 1,660 0
Yum China COM 98850P109 403 8,395 SH   SOLE 0 0 7,890 505
Yum! Brands Inc COM 988498101 1,537 17,686 SH   SOLE 0 0 15,187 2,499
Zebra Tech CLA 989207105 255 1,000 SH   SOLE 0 0 1,000 0