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
ABBOTT LABS COM 002824100 495 4,559 SH   SOLE   4,559 0 0
ABBVIE INC COM 00287Y109 335 2,184 SH   SOLE   2,184 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 260 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109 407 10,161 SH   SOLE   10,161 0 0
ALLIANT ENERGY CORP COM 018802108 264 4,500 SH   SOLE   4,500 0 0
ALLSTATE CORP COM 020002101 638 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CAP STK CL C 02079K107 855 391 SH   SOLE   391 0 0
ALPHABET INC CAP STK CL A 02079K305 366 168 SH   SOLE   168 0 0
AMAZON COM INC COM 023135106 1,526 14,367 SH   SOLE   14,367 0 0
AMERICAN ELEC PWR CO INC COM 025537101 238 2,482 SH   SOLE   2,482 0 0
AMERISOURCEBERGEN CORP COM 03073E105 364 2,575 SH   SOLE   2,575 0 0
APPLE INC COM 037833100 3,897 28,507 SH   SOLE   28,408 0 99
AT&T INC COM 00206R102 494 23,554 SH   SOLE   23,554 0 0
BECTON DICKINSON & CO COM 075887109 11,818 47,937 SH   SOLE   47,937 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,553 5,690 SH   SOLE   5,690 0 0
BLACKROCK INC COM 09247X101 12,985 21,321 SH   SOLE   21,321 0 0
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 28 12,500 SH   SOLE   12,500 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 13,036 168,126 SH   SOLE   168,126 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 6,005 167,697 SH   SOLE   167,697 0 0
CATERPILLAR INC COM 149123101 14,993 83,871 SH   SOLE   83,871 0 0
CHEVRON CORP NEW COM 166764100 10,524 72,692 SH   SOLE   72,692 0 0
CISCO SYS INC COM 17275R102 255 5,990 SH   SOLE   5,990 0 0
COLGATE PALMOLIVE CO COM 194162103 691 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101 4,963 126,471 SH   SOLE   126,471 0 0
COSTCO WHSL CORP NEW COM 22160K105 950 1,983 SH   SOLE   1,983 0 0
DEERE & CO COM 244199105 16,422 54,630 SH   SOLE   54,630 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 286 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108 490 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM 254687106 301 3,186 SH   SOLE   3,186 0 0
DUPONT DE NEMOURS INC COM 26614N102 6,373 114,658 SH   SOLE   114,658 0 0
EMERSON ELEC CO COM 291011104 998 12,550 SH   SOLE   12,550 0 0
EXXON MOBIL CORP COM 30231G102 11,787 137,636 SH   SOLE   137,636 0 0
GABELLI CONV & INC SECS FD I COM 36240B109 59 11,000 SH   SOLE   11,000 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 259 3,565 SH   SOLE   3,565 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 2,813 56,415 SH   SOLE   56,415 0 0
HOME DEPOT INC COM 437076102 15,729 57,349 SH   SOLE   57,349 0 0
INTEL CORP COM 458140100 9,497 253,865 SH   SOLE   253,865 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,621 46,894 SH   SOLE   46,894 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 228 1,900 SH   SOLE   1,900 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 266 9,587 SH   SOLE   9,587 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 8,870 304,705 SH   SOLE   304,284 0 421
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 34,901 236,390 SH   SOLE   236,018 0 372
INVESCO QQQ TR UNIT SER 1 46090E103 566 2,015 SH   SOLE   2,015 0 0
ISHARES SILVER TR ISHARES 46428Q109 206 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE MSCI EAFE 46432F842 16,904 287,237 SH   SOLE   286,778 0 459
ISHARES TR CORE S&P MCP ETF 464287507 272 1,204 SH   SOLE   1,204 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,594 49,713 SH   SOLE   49,713 0 0
ISHARES TR CORE S&P500 ETF 464287200 5,047 13,310 SH   SOLE   13,245 0 65
ISHARES TR GLOBAL REIT ETF 46434V647 203 8,411 SH   SOLE   8,411 0 0
ISHARES TR IBOXX INV CP ETF 464287242 207 1,879 SH   SOLE   1,879 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 32,987 652,553 SH   SOLE   650,022 0 2,531
ISHARES TR MBS ETF 464288588 15,623 160,247 SH   SOLE   159,587 0 660
ISHARES TR MSCI EAFE MIN VL 46429B689 17,214 271,898 SH   SOLE   271,446 0 452
ISHARES TR PFD AND INCM SEC 464288687 601 18,265 SH   SOLE   18,265 0 0
ISHARES TR TIPS BD ETF 464287176 1,036 9,091 SH   SOLE   9,091 0 0
ISHARES TR U.S. MED DVC ETF 464288810 644 12,758 SH   SOLE   12,758 0 0
JOHNSON & JOHNSON COM 478160104 10,806 60,877 SH   SOLE   60,877 0 0
JPMORGAN CHASE & CO COM 46625H100 6,360 56,482 SH   SOLE   56,482 0 0
KROGER CO COM 501044101 9,816 207,389 SH   SOLE   207,389 0 0
LOWES COS INC COM 548661107 533 3,050 SH   SOLE   3,050 0 0
M & T BK CORP COM 55261F104 7,496 47,032 SH   SOLE   47,032 0 0
MARSH & MCLENNAN COS INC COM 571748102 11,144 71,784 SH   SOLE   71,784 0 0
MCDONALDS CORP COM 580135101 15,333 62,106 SH   SOLE   62,106 0 0
MEDTRONIC PLC SHS G5960L103 7,170 79,293 SH   SOLE   79,293 0 0
MERCK & CO INC COM 58933Y105 10,039 109,328 SH   SOLE   109,328 0 0
MICROSOFT CORP COM 594918104 21,113 82,206 SH   SOLE   82,206 0 0
MISSION PRODUCE INC COM 60510V108 3,037 213,100 SH   SOLE   213,100 0 0
NEXTERA ENERGY INC COM 65339F101 2,029 26,200 SH   SOLE   26,200 0 0
NIKE INC CL B 654106103 1,093 10,660 SH   SOLE   10,660 0 0
NORTHERN TR CORP COM 665859104 6,029 62,068 SH   SOLE   62,068 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 127 10,745 SH   SOLE   10,745 0 0
PEPSICO INC COM 713448108 12,011 72,070 SH   SOLE   72,070 0 0
PFIZER INC COM 717081103 319 6,081 SH   SOLE   6,081 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,666 16,813 SH   SOLE   16,813 0 0
PNC FINL SVCS GROUP INC COM 693475105 8,370 53,054 SH   SOLE   53,054 0 0
PROCTER AND GAMBLE CO COM 742718109 10,436 72,579 SH   SOLE   72,579 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,737 20,352 SH   SOLE   20,227 0 125
PROSHARES TR HD REPLICATION 74347X294 408 8,778 SH   SOLE   8,778 0 0
PRUDENTIAL FINL INC COM 744320102 5,828 60,907 SH   SOLE   60,907 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,787 49,806 SH   SOLE   49,806 0 0
REPUBLIC SVCS INC COM 760759100 12,602 95,960 SH   SOLE   95,960 0 0
S&P GLOBAL INC COM 78409V104 1,389 4,122 SH   SOLE   4,122 0 0
SCHWAB CHARLES CORP COM 808513105 13,806 218,512 SH   SOLE   218,512 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,174 25,937 SH   SOLE   25,580 0 357
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 535 20,628 SH   SOLE   20,277 0 351
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 941 33,238 SH   SOLE   32,672 0 566
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,311 43,105 SH   SOLE   42,426 0 679
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 592 12,359 SH   SOLE   12,359 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,134 29,790 SH   SOLE   29,790 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 538 12,041 SH   SOLE   12,041 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,210 56,694 SH   SOLE   55,828 0 866
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 274 3,900 SH   SOLE   3,900 0 0
SPDR GOLD TR GOLD SHS 78463V107 755 4,483 SH   SOLE   4,483 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 21,953 631,392 SH   SOLE   629,948 0 1,444
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,122 2,961 SH   SOLE   2,961 0 0
STARBUCKS CORP COM 855244109 951 12,450 SH   SOLE   12,450 0 0
TESLA INC COM 88160R101 614 912 SH   SOLE   912 0 0
TEXAS INSTRS INC COM 882508104 10,610 69,054 SH   SOLE   69,054 0 0
UNION PAC CORP COM 907818108 7,537 35,338 SH   SOLE   35,338 0 0
UNITED PARCEL SERVICE INC CL B 911312106 410 2,244 SH   SOLE   2,244 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 7,461 304,783 SH   SOLE   303,892 0 891
VANGUARD BD INDEX FDS INTERMED TERM 921937819 602 7,755 SH   SOLE   7,755 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,644 177,685 SH   SOLE   176,937 0 748
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,391 31,768 SH   SOLE   31,768 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 742 15,075 SH   SOLE   15,075 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 904 18,240 SH   SOLE   18,240 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,756 7,880 SH   SOLE   7,880 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 24,296 123,348 SH   SOLE   123,234 0 114
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,547 16,980 SH   SOLE   16,980 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 834 5,568 SH   SOLE   5,568 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 284 1,439 SH   SOLE   1,439 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,637 24,585 SH   SOLE   24,585 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 5,455 41,366 SH   SOLE   39,916 0 1,450
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,676 60,446 SH   SOLE   60,319 0 127
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 663 7,763 SH   SOLE   7,763 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,831 43,960 SH   SOLE   43,425 0 535
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,158 24,228 SH   SOLE   24,228 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,344 16,338 SH   SOLE   16,338 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,230 54,660 SH   SOLE   53,826 0 834
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 420 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 283 5,773 SH   SOLE   5,773 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 353 3,554 SH   SOLE   3,554 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,830 134,584 SH   SOLE   134,584 0 0
VISA INC COM CL A 92826C839 258 1,309 SH   SOLE   1,309 0 0
WALMART INC COM 931142103 10,746 88,388 SH   SOLE   88,388 0 0
WASHINGTON FED INC COM 938824109 475 15,832 SH   SOLE   15,832 0 0
WELLS FARGO CO NEW COM 949746101 315 8,047 SH   SOLE   8,047 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 826 14,257 SH   SOLE   14,257 0 0