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
3M Company COM 88579Y101 276 1,432 SH   SOLE   1,432 0 0
AT&T Inc COM 00206r102 1,678 55,437 SH   SOLE   55,247 0 190
AbbVie Inc. COM 00287y109 3,446 31,840 SH   SOLE   30,785 0 1,055
Abbott Labs COM 002824100 1,068 8,916 SH   SOLE   8,481 0 435
Accenture COM g1151c101 1,025 3,710 SH   SOLE   3,385 0 325
Allegheny Technologies COM 01741r102 2,089 99,195 SH   SOLE   97,970 0 1,225
Alliant Energy COM 018802108 1,494 27,588 SH   SOLE   26,921 0 667
Alphabet Inc. Class A COM 02079k305 1,955 948 SH   SOLE   579 0 369
Alphabet Inc. Class C COM 02079k107 7,464 3,608 SH   SOLE   2,171 0 1,437
Altria Group COM 02209s103 357 6,970 SH   SOLE   6,970 0 0
Amazon.com COM 023135106 2,819 911 SH   SOLE   879 0 32
Amgen COM 031162100 1,314 5,283 SH   SOLE   5,021 0 262
Apache Corporation COM 03743q108 583 32,572 SH   SOLE   32,472 0 100
Apple Inc. COM 037833100 8,582 70,256 SH   SOLE   68,591 0 1,665
Bank of America COM 060505104 1,826 47,185 SH   SOLE   46,140 0 1,045
Bank of Montreal COM 063671101 212 2,377 SH   SOLE   2,227 0 150
Berkshire Hathaway cl. A (1/10 COM 084990175 771 200 SH   SOLE   200 0 0
Berkshire Hathaway cl. B COM 084670702 2,834 11,095 SH   SOLE   10,838 0 257
Boeing COM 097023105 205 806 SH   SOLE   786 0 20
Bristol-Myers Squibb COM 110122108 2,066 32,726 SH   SOLE   31,766 0 960
Broadcom Inc. COM 11135f101 1,702 3,670 SH   SOLE   3,522 0 148
Bunge Ltd COM g16962105 1,660 20,940 SH   SOLE   20,310 0 630
CVS Caremark Corp COM 126650100 3,945 52,435 SH   SOLE   50,845 0 1,590
Cambridge Heart COM 131910101 25 25,000 SH   SOLE   25,000 0 0
Capital One Finl COM 14040H105 1,485 11,673 SH   SOLE   11,313 0 360
Carnival Corporation COM 143658300 736 27,747 SH   SOLE   27,142 0 605
Caterpillar Inc. COM 149123101 2,022 8,719 SH   SOLE   8,584 0 135
Chevron Corp. COM 166764100 790 7,536 SH   SOLE   7,216 0 320
China Jo-Jo Drugstores, Inc. COM 16949a206 21 19,000 SH   SOLE   19,000 0 0
Cigna Corp. COM 125523100 216 895 SH   SOLE   895 0 0
Cisco Systems Inc. COM 17275R102 722 13,963 SH   SOLE   13,408 0 555
Citigroup Inc. COM 172967424 1,832 25,181 SH   SOLE   24,461 0 720
Coca-Cola Co. COM 191216100 259 4,906 SH   SOLE   4,426 0 480
Colgate-Palmolive Co. COM 194162103 475 6,020 SH   SOLE   5,620 0 400
Deere & Co COM 244199105 614 1,640 SH   SOLE   1,640 0 0
Diebold, Incorporated COM 253651103 249 17,600 SH   SOLE   17,600 0 0
Dominion Resources Inc. COM 25746U109 261 3,434 SH   SOLE   3,164 0 270
Duke Energy COM 26441C204 228 2,366 SH   SOLE   2,366 0 0
Exact Sciences Corp. COM 30063P105 224 1,700 SH   SOLE   1,700 0 0
Expedia Group, Inc. COM 30212P303 1,048 6,089 SH   SOLE   5,884 0 205
Exxon-Mobil COM 30231G102 265 4,751 SH   SOLE   4,526 0 225
Facebook Inc. COM 30303m102 618 2,099 SH   SOLE   1,599 0 500
Fastenal Co. COM 311900104 419 8,331 SH   SOLE   7,731 0 600
FedEx Corp. COM 31428X106 1,046 3,683 SH   SOLE   3,528 0 155
Fidelity National Info Service COM 31620m106 269 1,912 SH   SOLE   1,912 0 0
Fiserv Inc. COM 337738108 5,921 49,736 SH   SOLE   48,806 0 930
Freeport-McMoran COM 35671D857 1,220 37,060 SH   SOLE   35,435 0 1,625
General Dynamics COM 369550108 411 2,261 SH   SOLE   2,226 0 35
General Electric Co. COM 369604103 1,015 77,341 SH   SOLE   77,131 0 210
Genuine Parts COM 372460105 548 4,745 SH   SOLE   4,545 0 200
Goldman Sachs COM 38141G104 1,493 4,565 SH   SOLE   4,435 0 130
Grayscale Bitcoin Trust (BTC) COM 389637109 234 4,673 SH   SOLE   4,563 0 110
Healthier Choices Management C COM 42226n109 0 20,000 SH   SOLE   20,000 0 0
Helen of Troy, Ltd COM g4388n106 1,938 9,198 SH   SOLE   8,768 0 430
Hershey Foods Corp COM 427866108 316 2,000 SH   SOLE   2,000 0 0
Home Depot Inc. COM 437076102 344 1,126 SH   SOLE   1,126 0 0
Ingersoll Rand Inc. COM 45687v106 422 8,572 SH   SOLE   8,572 0 0
Intel Corp. COM 458140100 1,053 16,449 SH   SOLE   15,989 0 460
Intl Business Mach. Corp. COM 459200101 216 1,624 SH   SOLE   1,494 0 130
Invesco S&P 500 Equal Weight E COM 46137V365 2,291 56,901 SH   SOLE   56,261 0 640
J.P. Morgan Chase COM 46625H100 3,642 23,921 SH   SOLE   23,420 0 501
Johnson & Johnson COM 478160104 4,444 27,042 SH   SOLE   26,167 0 875
Johnson Controls Intl plc COM G51502105 1,091 18,287 SH   SOLE   17,427 0 860
Kimberly-Clark Corp. COM 494368103 1,818 13,075 SH   SOLE   12,725 0 350
Lilly Eli & Co. COM 532457108 324 1,735 SH   SOLE   1,535 0 200
Lockheed Martin Corp. COM 539830109 314 850 SH   SOLE   850 0 0
MGE Energy COM 55277p104 628 8,790 SH   SOLE   8,640 0 150
MGIC Investment Corp. COM 552848103 3,378 243,875 SH   SOLE   237,730 0 6,145
McDonald's COM 580135101 1,263 5,633 SH   SOLE   5,528 0 105
Medical Marijuana, Inc. COM 58463a105 2 42,300 SH   SOLE   42,300 0 0
Medtronic plc COM g5960l103 1,584 13,409 SH   SOLE   12,534 0 875
Merck & Co. Inc. COM 58933y105 250 3,237 SH   SOLE   2,997 0 240
Microsoft Corp. COM 594918104 8,778 37,229 SH   SOLE   36,354 0 875
Modine Manufacturing COM 607828100 1,166 78,974 SH   SOLE   77,174 0 1,800
Mosaic Company COM 61945c103 1,180 37,340 SH   SOLE   36,025 0 1,315
NVidia Corp COM 67066G104 1,711 3,205 SH   SOLE   3,165 0 40
Newmont Mining Corp COM 651639106 601 9,968 SH   SOLE   9,848 0 120
Novartis AG COM 66987v109 1,628 19,051 SH   SOLE   18,636 0 415
O-I Glass, Inc. COM 67098h104 1,822 123,600 SH   SOLE   123,600 0 0
Olin Corp COM 680665205 2,207 58,130 SH   SOLE   56,830 0 1,300
Omnicom Group COM 681919106 447 6,025 SH   SOLE   6,025 0 0
Oracle Corp. COM 68389X105 812 11,576 SH   SOLE   11,026 0 550
Oshkosh Corp COM 688239201 1,497 12,615 SH   SOLE   12,145 0 470
PayPal Holdings, Inc. COM 70450y103 1,718 7,073 SH   SOLE   6,928 0 145
Paychex COM 704326107 283 2,885 SH   SOLE   2,885 0 0
Pepsico Inc. COM 713448108 1,762 12,455 SH   SOLE   11,955 0 500
Pfizer Inc. COM 717081103 945 26,086 SH   SOLE   25,936 0 150
Philip Morris International COM 718172109 215 2,421 SH   SOLE   2,246 0 175
Procter & Gamble Co. COM 742718109 1,338 9,876 SH   SOLE   9,276 0 600
Prudential Financial, Inc. COM 744320102 280 3,075 SH   SOLE   2,840 0 235
Quad/Graphics, Inc. COM 747301109 106 30,150 SH   SOLE   30,150 0 0
Qualcomm Inc. COM 747525103 1,823 13,750 SH   SOLE   13,430 0 320
RPM Inc. COM 749685103 1,757 19,128 SH   SOLE   18,548 0 580
Range Resources COM 75281a109 308 29,770 SH   SOLE   28,720 0 1,050
Regal-Beloit Corp. COM 758750103 224 1,570 SH   SOLE   1,220 0 350
Square, Inc. COM 852234103 416 1,834 SH   SOLE   1,814 0 20
Stanley Black & Decker, Inc. COM 854502101 469 2,350 SH   SOLE   2,225 0 125
TCF Financial Corporation COM 872307103 1,800 38,733 SH   SOLE   37,813 0 920
Target Corp. COM 87612E106 1,218 6,147 SH   SOLE   5,930 0 217
Tesla Motors, Inc. COM 88160R101 564 845 SH   SOLE   845 0 0
The Interpublic Group of Compa COM 460690100 306 10,466 SH   SOLE   10,466 0 0
The Walt Disney Co. COM 254687106 889 4,819 SH   SOLE   4,819 0 0
U.S. Bancorp COM 902973304 203 3,672 SH   SOLE   3,372 0 300
Union Pacific Corp. COM 907818108 243 1,100 SH   SOLE   1,100 0 0
UnitedHealth Group Inc COM 91324p102 2,213 5,949 SH   SOLE   5,796 0 153
VF Corp COM 918204108 845 10,574 SH   SOLE   9,794 0 780
Verizon COM 92343V104 1,347 23,158 SH   SOLE   22,858 0 300
Visa Inc. COM 92826c839 1,434 6,772 SH   SOLE   6,467 0 305
Vodafone Grp PLC COM 92857w308 2,184 118,477 SH   SOLE   115,622 0 2,855
WD 40 Company COM 929236107 547 1,785 SH   SOLE   1,785 0 0
WEC Energy Group, Inc. COM 92939u106 1,513 16,164 SH   SOLE   15,389 0 775
Wal-Mart Stores Inc. COM 931142103 733 5,396 SH   SOLE   5,246 0 150
Walgreens Boots Alliance COM 931427108 819 14,911 SH   SOLE   14,356 0 555
Wells Fargo & Co. COM 949746101 1,302 33,326 SH   SOLE   32,671 0 655
XCel Energy Inc. COM 98389b100 577 8,672 SH   SOLE   8,672 0 0
XPO Logistics, Inc. COM 983793100 1,136 9,212 SH   SOLE   9,007 0 205
ARK Innovation ETF ETF 00214Q104 371 3,090 SH   SOLE   3,043 0 47
Duff & Phelps Select Income Fu ETF 23325P104 184 18,620 SH   SOLE   17,345 0 1,275
Madison Covered Call&Equity St ETF 557437100 143 18,873 SH   SOLE   16,873 0 2,000
MidCap SPDRs ETF 78467y107 437 918 SH   SOLE   918 0 0
S&P 500/Barra Value (iShares) ETF 464287408 250 1,770 SH   SOLE   1,700 0 70
S&P Dep Receipts ETF 78462f103 621 1,566 SH   SOLE   1,356 0 210
S&P Midcap 400 Index (iShares) ETF 464287507 1,195 4,593 SH   SOLE   4,382 0 211
SPDR Portfolio Mid Cap ETF ETF 78464A847 1,593 34,802 SH   SOLE   33,412 0 1,390
SPDR Portfolio S&P 500 High Di ETF 78468r788 1,225 31,815 SH   SOLE   30,090 0 1,725
SPDR S&P 500 Growth ETF ETF 78464A409 4,946 87,696 SH   SOLE   82,794 0 4,902
SPDR S&P 500 Value ETF ETF 78464A508 4,626 122,053 SH   SOLE   113,669 0 8,384
Schwab U.S. Large-Cap ETF ETF 808524201 697 7,260 SH   SOLE   7,260 0 0
Schwab U.S. Large-Cap Growth E ETF 808524300 750 5,780 SH   SOLE   5,406 0 374
Schwab U.S. Large-Cap Value ET ETF 808524409 221 3,385 SH   SOLE   2,849 0 536
Schwab US Dividend Equity ETF ETF 808524797 831 11,391 SH   SOLE   10,741 0 650
Vanguard Mega Cap 300 Growth I ETF 921910816 445 2,147 SH   SOLE   2,147 0 0
Vanguard Total Stock Market ET ETF 922908769 219 1,059 SH   SOLE   1,046 0 13
iShares Core S&P U.S. Growth E ETF 464287671 288 3,176 SH   SOLE   3,176 0 0
iShares Russell Growth Midcap ETF 464287481 247 2,424 SH   SOLE   2,424 0 0
S&P 600/Barra Growth Index (iS SMLC 464287887 3,025 23,593 SH   SOLE   22,544 0 1,049
S&P 600/Barra Value Index (iSh SMLC 464287879 3,656 36,294 SH   SOLE   35,345 0 949
SPDR Portfolio Small Cap ETF SMLC 78468R853 5,663 133,970 SH   SOLE   131,525 0 2,445
Schwab U.S. Small-Cap ETF SMLC 808524607 1,408 14,131 SH   SOLE   12,863 0 1,268
Vanguard Small Cap ETF SMLC 922908751 261 1,218 SH   SOLE   1,218 0 0
iShares S&P SmallCap 600 Index SMLC 464287804 397 3,654 SH   SOLE   3,279 0 375
China-H FTSE/Xinhua 25 Index ( INTL 464287184 241 5,164 SH   SOLE   4,364 0 800
Europe/Australia/Far-East Inde INTL 464287465 551 7,259 SH   SOLE   7,070 0 189
MSCI Emerging Markets Index (i INTL 464287234 536 10,057 SH   SOLE   9,602 0 455
MSCI Japan Index (iShares) INTL 46434g822 377 5,507 SH   SOLE   5,272 0 235
SPDR Portfolio Emerging Market INTL 78463X509 2,366 54,049 SH   SOLE   53,297 0 752
SPDR S&P Developed World ex-US INTL 78463X889 2,638 74,613 SH   SOLE   73,948 0 665
Schwab Emerging Markets Equity INTL 808524706 252 7,940 SH   SOLE   7,940 0 0
Schwab Fundamental Emerg Mkts INTL 808524730 431 14,020 SH   SOLE   13,670 0 350
Schwab International Equity ET INTL 808524805 921 24,491 SH   SOLE   22,450 0 2,041
Vanguard Emerging Markets Stoc INTL 922042858 527 10,125 SH   SOLE   9,900 0 225
Vanguard FTSE All-World ex-US INTL 922042775 345 5,678 SH   SOLE   5,678 0 0
Vanguard FTSE Developed Market INTL 921943858 2,182 44,430 SH   SOLE   42,505 0 1,925
Wisdom Tree Japan Hedged Equit INTL 97717W851 450 7,340 SH   SOLE   6,855 0 485
WisdomTree EAFE Dividend-Wgtd INTL 97717w703 1,177 22,383 SH   SOLE   21,883 0 500
WisdomTree Emerg Mkts High-Yie INTL 97717w315 401 9,042 SH   SOLE   8,907 0 135
WisdomTree Int'l Hedged Divide INTL 97717x594 228 5,525 SH   SOLE   5,325 0 200
iShares MSCI All Country Asia INTL 464288182 707 7,631 SH   SOLE   6,781 0 850
BlackRock Int. Duration Munici FIXD 09253X102 1,232 81,888 SH   SOLE   78,748 0 3,140
BlackRock MuniAssets Fund FIXD 09254j102 1,141 74,865 SH   SOLE   72,865 0 2,000
Calamos Convertible & High Inc FIXD 12811p108 687 46,095 SH   SOLE   42,520 0 3,575
Eaton Vance Limited Duration I FIXD 27828h105 465 36,847 SH   SOLE   33,397 0 3,450
First Trust TCW Opportunistic FIXD 33740F805 1,907 36,090 SH   SOLE   33,477 0 2,613
Invesco CEF Income Composite E FIXD 46138e404 1,374 59,085 SH   SOLE   54,420 0 4,665
Invesco Ultra Short-Duration E FIXD 46090a887 316 6,265 SH   SOLE   5,265 0 1,000
Nuveen Dividend Advantage Muni FIXD 67071l106 181 10,725 SH   SOLE   10,725 0 0
Nuveen Municipal Value Fund In FIXD 670928100 328 29,400 SH   SOLE   29,400 0 0
PIMCO Corporate Opportunity Fu FIXD 72201b101 565 30,937 SH   SOLE   29,937 0 1,000
PIMCO Enhanced Short Maturity FIXD 72201r833 681 6,686 SH   SOLE   6,686 0 0
Pacer Trendpilot US Bond ETF FIXD 69374h642 3,957 145,093 SH   SOLE   141,101 0 3,992
Putnam Master Intrm Inc Tr FIXD 746909100 58 13,500 SH   SOLE   13,500 0 0
SPDR Lehman Municipal Bond ETF FIXD 78468r721 239 4,621 SH   SOLE   4,621 0 0
SPDR Short Term Municipal Bond FIXD 78468r739 787 15,874 SH   SOLE   15,874 0 0
Schwab US Aggregate Bond ETF FIXD 808524839 308 5,713 SH   SOLE   5,478 0 235
Templeton Global Income Fund FIXD 880198106 77 14,500 SH   SOLE   5,100 0 9,400
Vanguard Total Intl Bond Ind E FIXD 92203j407 220 3,848 SH   SOLE   3,848 0 0
WisdomTree Floating Rate Treas FIXD 97717X628 1,933 76,993 SH   SOLE   73,561 0 3,432
iShares Barclays TIPS Bond Fun FIXD 464287176 498 3,967 SH   SOLE   3,467 0 500
iShares Core International Agg FIXD 46435g672 1,539 28,044 SH   SOLE   27,267 0 777
iShares Short-Term Corporate B FIXD 464288646 934 17,087 SH   SOLE   16,987 0 100
iShares iBoxx Invest Grade Cor FIXD 464287242 712 5,473 SH   SOLE   5,453 0 20
Gold Shares SPDR CMDT 78463v107 6,784 42,411 SH   SOLE   41,286 0 1,125
Sprott Physical Gold and Silve CMDT 85208r101 202 11,625 SH   SOLE   525 0 11,100
iShares Gold Trust CMDT 464285105 498 30,624 SH   SOLE   27,274 0 3,350
DJ Wilshire Int'l Real Estate REAL 78463x863 798 23,173 SH   SOLE   21,325 0 1,848
Invesco MSCI Global Timber ETF REAL 46138e545 284 7,900 SH   SOLE   7,250 0 650
SPDR Dow Jones Global Real Est REAL 78463x749 665 14,086 SH   SOLE   13,736 0 350
Weyerhaeuser Co. REAL 962166104 223 6,263 SH   SOLE   6,263 0 0
iShares S&P Global Timber & Fo REAL 464288174 590 6,917 SH   SOLE   6,545 0 372
ProShares S&P 500 Index Invers HEDG 74347b425 184 10,958 SH   SOLE   10,358 0 600