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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE S&P MCP ETF 464287507 200 1,078 SH   SOLE   1,078 0 0
AMERICAN ELEC PWR CO INC COM 025537101 213 2,607 SH   SOLE   2,607 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 213 636 SH   SOLE   636 0 0
ALLIANT ENERGY CORP COM 018802108 232 4,500 SH   SOLE   4,500 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 233 1,900 SH   SOLE   1,900 0 0
AMERISOURCEBERGEN CORP COM 03073E105 237 2,450 SH   SOLE   2,450 0 0
CISCO SYS INC COM 17275R102 238 6,040 SH   SOLE   6,040 0 0
3M CO COM 88579Y101 240 1,500 SH   SOLE   1,500 0 0
DISNEY WALT CO COM DISNEY 254687106 252 2,033 SH   SOLE   2,033 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 253 1,856 SH   SOLE   1,856 0 0
WISDOMTREE TR US SMALLCAP FUND 97717W562 269 8,996 SH   SOLE   8,996 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 282 3,192 SH   SOLE   3,192 0 0
STARBUCKS CORP COM 855244109 290 3,378 SH   SOLE   3,378 0 0
DISCOVER FINL SVCS COM 254709108 299 5,180 SH   SOLE   5,180 0 0
PROSHARES TR HD REPLICATION 74347X294 307 6,694 SH   SOLE   6,694 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 318 6,160 SH   SOLE   6,160 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 326 1,516 SH   SOLE   1,516 0 0
WASHINGTON FED INC COM 938824109 330 15,832 SH   SOLE   15,832 0 0
ALPHABET INC CAP STK CL C 02079K107 339 231 SH   SOLE   231 0 0
ALPHABET INC CAP STK CL A 02079K305 346 236 SH   SOLE   236 0 0
GOLD TRUST ISHARES 464285105 464 25,790 SH   SOLE   25,790 0 0
ALLSTATE CORP COM 020002101 471 5,000 SH   SOLE   5,000 0 0
LOWES COS INC COM 548661107 498 3,000 SH   SOLE   3,000 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 505 9,001 SH   SOLE   9,001 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 527 4,760 SH   SOLE   4,760 0 0
AT&T INC COM 00206R102 530 18,598 SH   SOLE   18,598 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 541 6,705 SH   SOLE   6,705 0 0
COLGATE PALMOLIVE CO COM 194162103 617 8,000 SH   SOLE   8,000 0 0
SPDR GOLD TR GOLD SHS 78463V107 703 3,972 SH   SOLE   3,972 0 0
EMERSON ELEC CO COM 291011104 823 12,550 SH   SOLE   12,550 0 0
BROADMARK RLTY CAP INC COM 11135B100 1,217 123,450 SH   SOLE   123,450 0 0
NIKE INC CL B 654106103 1,288 10,260 SH   SOLE   10,260 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,332 5,854 SH   SOLE   5,854 0 0
S&P GLOBAL INC COM 78409V104 1,522 4,220 SH   SOLE   4,220 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,581 4,705 SH   SOLE   4,705 0 0
OTIS WORLDWIDE CORP COM 68902V107 1,595 25,552 SH   SOLE   25,552 0 0
NEXTERA ENERGY INC COM 65339F101 1,665 6,000 SH   SOLE   6,000 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 1,860 19,796 SH   SOLE   19,796 0 0
APPLE INC COM 037833100 2,024 17,473 SH   SOLE   17,473 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,085 16,202 SH   SOLE   16,202 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,174 44,721 SH   SOLE   44,721 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,663 37,913 SH   SOLE   37,913 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,961 51,457 SH   SOLE   51,457 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,242 31,019 SH   SOLE   31,019 0 0
PRUDENTIAL FINL INC COM 744320102 3,787 59,617 SH   SOLE   59,617 0 0
M & T BK CORP COM 55261F104 4,333 47,056 SH   SOLE   47,056 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 4,798 157,091 SH   SOLE   157,091 0 0
EXXON MOBIL CORP COM 30231G102 4,892 142,502 SH   SOLE   142,502 0 0
NORTHERN TR CORP COM 665859104 5,036 64,589 SH   SOLE   64,589 0 0
CHEVRON CORP NEW COM 166764100 5,468 75,943 SH   SOLE   75,943 0 0
JPMORGAN CHASE & CO COM 46625H100 5,606 58,230 SH   SOLE   58,230 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 5,633 182,641 SH   SOLE   182,641 0 0
PNC FINL SVCS GROUP INC COM 693475105 5,858 53,300 SH   SOLE   53,300 0 0
DUPONT DE NEMOURS INC COM 26614N102 5,983 107,836 SH   SOLE   107,836 0 0
KROGER CO COM 501044101 6,596 194,516 SH   SOLE   194,516 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 6,904 232,157 SH   SOLE   232,157 0 0
DOMINION ENERGY INC COM 25746U109 6,921 87,688 SH   SOLE   87,688 0 0
UNION PAC CORP COM 907818108 7,014 35,628 SH   SOLE   35,628 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 7,499 126,063 SH   SOLE   126,063 0 0
SCHWAB CHARLES CORP COM 808513105 7,768 214,411 SH   SOLE   214,411 0 0
MARSH & MCLENNAN COS INC COM 571748102 7,971 69,498 SH   SOLE   69,498 0 0
MEDTRONIC PLC SHS G5960L103 8,373 80,571 SH   SOLE   80,571 0 0
REPUBLIC SVCS INC COM 760759100 8,504 91,093 SH   SOLE   91,093 0 0
MERCK & CO. INC COM 58933Y105 8,530 102,838 SH   SOLE   102,838 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 9,103 89,280 SH   SOLE   89,280 0 0
JOHNSON & JOHNSON COM 478160104 9,142 61,406 SH   SOLE   61,406 0 0
PEPSICO INC COM 713448108 9,183 66,253 SH   SOLE   66,253 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 9,213 301,264 SH   SOLE   301,264 0 0
INTEL CORP COM 458140100 9,312 179,840 SH   SOLE   179,840 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 9,430 156,404 SH   SOLE   156,404 0 0
PROCTER AND GAMBLE CO COM 742718109 9,537 68,613 SH   SOLE   68,613 0 0
BECTON DICKINSON & CO COM 075887109 10,537 45,287 SH   SOLE   45,287 0 0
BLACKROCK INC COM 09247X101 11,783 20,909 SH   SOLE   20,909 0 0
WALMART INC COM 931142103 12,007 85,816 SH   SOLE   85,816 0 0
ISHARES TR MBS ETF 464288588 12,106 109,657 SH   SOLE   109,657 0 0
TEXAS INSTRS INC COM 882508104 12,347 86,473 SH   SOLE   86,473 0 0
CATERPILLAR INC DEL COM 149123101 12,461 83,544 SH   SOLE   83,544 0 0
ISHARES TR CORE MSCI EAFE 46432F842 13,029 216,145 SH   SOLE   216,145 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 13,310 195,367 SH   SOLE   195,367 0 0
MCDONALDS CORP COM 580135101 13,396 61,032 SH   SOLE   61,032 0 0
DEERE & CO COM 244199105 14,913 67,290 SH   SOLE   67,290 0 0
HOME DEPOT INC COM 437076102 15,396 55,438 SH   SOLE   55,438 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 17,346 474,446 SH   SOLE   474,446 0 0
MICROSOFT CORP COM 594918104 17,700 84,155 SH   SOLE   84,155 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 20,859 118,343 SH   SOLE   118,343 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 23,698 431,577 SH   SOLE   431,577 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 26,882 323,689 SH   SOLE   323,689 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 37,742 266,464 SH   SOLE   266,464 0 0