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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   346,613 3,423 SH   SOLE   3,359 0 64
ABBVIE INC COM 00287Y109   350,774 2,201 SH   SOLE   2,201 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   283,050 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109   409,299 9,755 SH   SOLE   9,755 0 0
ALLSTATE CORP COM 020002101   558,500 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CAP STK CL C 02079K107   788,320 7,580 SH   SOLE   7,580 0 0
ALPHABET INC CAP STK CL A 02079K305   371,390 3,580 SH   SOLE   3,300 0 280
AMAZON COM INC COM 023135106   1,487,598 14,402 SH   SOLE   14,094 0 308
AMERICAN ELEC PWR CO INC COM 025537101   224,473 2,467 SH   SOLE   2,467 0 0
AMERISOURCEBERGEN CORP COM 03073E105   392,270 2,450 SH   SOLE   2,450 0 0
APPLE INC COM 037833100   4,271,784 25,905 SH   SOLE   25,439 0 466
AT&T INC COM 00206R102   426,756 22,169 SH   SOLE   22,169 0 0
BECTON DICKINSON & CO COM 075887109   11,482,032 46,385 SH   SOLE   46,291 0 94
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,711,204 5,542 SH   SOLE   5,542 0 0
BLACKROCK INC COM 09247X101   13,766,502 20,574 SH   SOLE   20,521 0 53
BOEING CO COM 097023105   387,846 1,826 SH   SOLE   1,826 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   11,273,920 162,659 SH   SOLE   162,336 0 323
CARRIER GLOBAL CORPORATION COM 14448C104   7,428,479 162,371 SH   SOLE   161,944 0 427
CATERPILLAR INC COM 149123101   18,489,850 80,798 SH   SOLE   80,598 0 200
CHEVRON CORP NEW COM 166764100   11,413,412 69,952 SH   SOLE   69,774 0 178
CISCO SYS INC COM 17275R102   313,128 5,990 SH   SOLE   5,990 0 0
COLGATE PALMOLIVE CO COM 194162103   647,793 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101   4,548,708 119,987 SH   SOLE   119,742 0 245
COSTCO WHSL CORP NEW COM 22160K105   957,974 1,928 SH   SOLE   1,861 0 67
DEERE & CO COM 244199105   20,490,792 49,480 SH   SOLE   49,377 0 103
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   312,436 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108   511,992 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM 254687106   260,536 2,602 SH   SOLE   2,602 0 0
DUPONT DE NEMOURS INC COM 26614N102   7,955,265 110,844 SH   SOLE   110,619 0 225
EMERSON ELEC CO COM 291011104   1,093,607 12,550 SH   SOLE   12,550 0 0
EXXON MOBIL CORP COM 30231G102   14,895,691 135,835 SH   SOLE   135,585 0 250
GABELLI CONV & INC SECS FD I COM 36240B109   44,400 10,000 SH   SOLE   10,000 0 0
GENERAL MLS INC COM 370334104   204,763 2,396 SH   SOLE   2,396 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   222,108 3,495 SH   SOLE   3,495 0 0
HOME DEPOT INC COM 437076102   16,114,999 54,605 SH   SOLE   54,445 0 160
INTEL CORP COM 458140100   7,598,581 232,586 SH   SOLE   232,086 0 500
INTERNATIONAL BUSINESS MACHS COM 459200101   5,964,352 45,498 SH   SOLE   45,408 0 90
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   8,533,009 275,170 SH   SOLE   272,660 0 2,119
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   35,069,018 232,030 SH   SOLE   229,809 0 1,558
INVESCO QQQ TR UNIT SER 1 46090E103   540,138 1,681 SH   SOLE   1,606 0 75
ISHARES SILVER TR ISHARES 46428Q109   243,873 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE MSCI EAFE 46432F842   18,277,398 273,409 SH   SOLE   271,100 0 1,619
ISHARES TR CORE S&P MCP ETF 464287507   446,536 1,785 SH   SOLE   1,785 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,506,070 46,598 SH   SOLE   46,278 0 130
ISHARES TR CORE S&P US GWT 464287671   377,273 4,250 SH   SOLE   4,250 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,658,575 11,333 SH   SOLE   11,151 0 182
ISHARES TR EAFE SML CP ETF 464288273   312,845 5,257 SH   SOLE   5,257 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   30,899,133 611,380 SH   SOLE   604,885 0 4,895
ISHARES TR MBS ETF 464288588   2,300,557 24,285 SH   SOLE   23,558 0 327
ISHARES TR MSCI EAFE MIN VL 46429B689   16,906,139 249,906 SH   SOLE   247,703 0 1,574
ISHARES TR PFD AND INCM SEC 464288687   483,249 15,479 SH   SOLE   15,479 0 0
ISHARES TR TIPS BD ETF 464287176   417,235 3,784 SH   SOLE   3,784 0 0
ISHARES TR U.S. MED DVC ETF 464288810   591,891 10,965 SH   SOLE   10,938 0 27
ISHARES TR US TREAS BD ETF 46429B267   13,197,200 564,465 SH   SOLE   560,433 0 4,032
JOHNSON & JOHNSON COM 478160104   9,108,265 58,763 SH   SOLE   58,650 0 113
JPMORGAN CHASE & CO COM 46625H100   6,969,693 53,485 SH   SOLE   53,327 0 158
KROGER CO COM 501044101   9,972,182 201,989 SH   SOLE   201,575 0 414
LOWES COS INC COM 548661107   608,976 3,045 SH   SOLE   3,045 0 0
M & T BK CORP COM 55261F104   5,436,366 45,466 SH   SOLE   45,374 0 92
MCDONALDS CORP COM 580135101   16,598,276 59,362 SH   SOLE   59,248 0 114
MEDTRONIC PLC SHS G5960L103   6,195,467 76,208 SH   SOLE   76,052 0 156
MERCK & CO INC COM 58933Y105   11,329,772 105,769 SH   SOLE   105,496 0 273
MICROSOFT CORP COM 594918104   22,884,437 79,377 SH   SOLE   79,054 0 323
MISSION PRODUCE INC COM 60510V108   2,363,653 212,750 SH   SOLE   212,750 0 0
NEXTERA ENERGY INC COM 65339F101   2,019,496 26,200 SH   SOLE   26,200 0 0
NIKE INC CL B 654106103   13,066,555 106,257 SH   SOLE   105,995 0 262
NORTHERN TR CORP COM 665859104   5,313,701 59,797 SH   SOLE   59,676 0 121
NUVEEN AMT FREE QLTY MUN INC COM 670657105   119,861 10,745 SH   SOLE   10,745 0 0
NVIDIA CORPORATION COM 67066G104   313,047 1,127 SH   SOLE   1,056 0 71
PEPSICO INC COM 713448108   12,793,216 70,177 SH   SOLE   70,050 0 127
PFIZER INC COM 717081103   220,565 5,406 SH   SOLE   5,406 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,127,580 11,361 SH   SOLE   11,361 0 0
PNC FINL SVCS GROUP INC COM 693475105   6,535,441 51,420 SH   SOLE   51,316 0 104
PROCTER AND GAMBLE CO COM 742718109   10,212,194 68,681 SH   SOLE   68,545 0 136
PROSHARES TR HD REPLICATION 74347X294   392,107 8,174 SH   SOLE   8,174 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467   2,110,343 23,130 SH   SOLE   22,848 0 282
PROSHARES TR ULTRAPRO QQQ 74347X831   265,616 9,399 SH   SOLE   9,399 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   6,880,193 70,256 SH   SOLE   70,050 0 206
REPUBLIC SVCS INC COM 760759100   12,547,143 92,454 SH   SOLE   92,281 0 173
S&P GLOBAL INC COM 78409V104   1,410,359 4,091 SH   SOLE   4,091 0 0
SCHWAB CHARLES CORP COM 808513105   11,058,423 211,119 SH   SOLE   210,564 0 555
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,315,383 27,027 SH   SOLE   25,197 0 1,753
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   590,558 22,670 SH   SOLE   21,522 0 1,006
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,090,003 34,858 SH   SOLE   33,614 0 1,158
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   1,399,377 42,239 SH   SOLE   41,183 0 990
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   962,642 20,521 SH   SOLE   20,521 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,421,158 33,094 SH   SOLE   33,094 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   859,416 17,768 SH   SOLE   17,330 0 360
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,677,309 63,852 SH   SOLE   61,925 0 1,876
SCHWAB STRATEGIC TR US TIPS ETF 808524870   403,738 7,531 SH   SOLE   7,511 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   263,991 3,900 SH   SOLE   3,900 0 0
SPDR GOLD TR GOLD SHS 78463V107   516,314 2,818 SH   SOLE   2,818 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   20,781,951 608,906 SH   SOLE   603,667 0 4,066
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,067,507 2,598 SH   SOLE   2,598 0 0
STARBUCKS CORP COM 855244109   1,166,673 11,204 SH   SOLE   11,137 0 67
TESLA INC COM 88160R101   603,087 2,907 SH   SOLE   2,907 0 0
TEXAS INSTRS INC COM 882508104   12,274,794 65,990 SH   SOLE   65,858 0 132
UNION PAC CORP COM 907818108   6,860,326 34,087 SH   SOLE   34,001 0 86
UNITED PARCEL SERVICE INC CL B 911312106   396,516 2,044 SH   SOLE   2,044 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,279,740 288,306 SH   SOLE   284,660 0 2,476
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,830,902 180,820 SH   SOLE   179,139 0 1,325
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,307,958 31,260 SH   SOLE   30,763 0 497
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,510,585 30,678 SH   SOLE   30,678 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,470,798 32,197 SH   SOLE   32,197 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   849,205 17,359 SH   SOLE   17,359 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   258,389 1,843 SH   SOLE   1,843 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,397,368 9,611 SH   SOLE   9,611 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   22,524,061 106,790 SH   SOLE   106,135 0 603
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,380,832 16,629 SH   SOLE   16,629 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   825,394 5,199 SH   SOLE   5,199 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   304,922 1,409 SH   SOLE   1,409 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,892,000 23,969 SH   SOLE   23,969 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   7,027,953 50,887 SH   SOLE   49,297 0 1,590
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,320,082 57,187 SH   SOLE   56,330 0 857
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   886,995 9,632 SH   SOLE   9,549 0 83
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,211,410 54,738 SH   SOLE   53,931 0 807
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   932,856 20,040 SH   SOLE   19,898 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   641,476 8,415 SH   SOLE   8,415 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,654,876 17,238 SH   SOLE   17,238 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,543,600 56,312 SH   SOLE   55,478 0 834
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   435,399 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   246,721 4,712 SH   SOLE   4,712 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   10,441,946 268,499 SH   SOLE   267,951 0 548
VISA INC COM CL A 92826C839   285,658 1,267 SH   SOLE   1,219 0 48
WALMART INC COM 931142103   12,461,467 84,196 SH   SOLE   83,977 0 219
WASHINGTON FED INC COM 938824109   476,860 15,832 SH   SOLE   15,832 0 0
WELLS FARGO CO NEW COM 949746101   300,797 8,047 SH   SOLE   8,047 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   564,006 9,309 SH   SOLE   9,309 0 0