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
ABBVIE INC COM 00287Y109 208 1,534 SH   SOLE   1,534 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 220 2,152 SH   SOLE   2,152 0 0
AMERICAN ELEC PWR CO INC COM 025537101 221 2,482 SH   SOLE   2,482 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 241 2,984 SH   SOLE   2,984 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 257 3,036 SH   SOLE   3,036 0 0
AMAZON COM INC COM 023135106 263 79 SH   SOLE   79 0 0
3M CO COM 88579Y101 266 1,500 SH   SOLE   1,500 0 0
ALLIANT ENERGY CORP COM 018802108 277 4,500 SH   SOLE   4,500 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 286 1,900 SH   SOLE   1,900 0 0
ISHARES TR CORE S&P MCP ETF 464287507 313 1,107 SH   SOLE   1,107 0 0
AMERISOURCEBERGEN CORP COM 03073E105 342 2,575 SH   SOLE   2,575 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 343 2,959 SH   SOLE   2,959 0 0
DISNEY WALT CO COM 254687106 353 2,282 SH   SOLE   2,282 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 355 12,262 SH   SOLE   12,262 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 363 764 SH   SOLE   764 0 0
SPDR GOLD TR GOLD SHS 78463V107 368 2,150 SH   SOLE   2,150 0 0
CISCO SYS INC COM 17275R102 380 5,990 SH   SOLE   5,990 0 0
STARBUCKS CORP COM 855244109 395 3,378 SH   SOLE   3,378 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 403 1,431 SH   SOLE   1,431 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 412 6,637 SH   SOLE   6,637 0 0
PROSHARES TR HD REPLICATION 74347X294 426 8,252 SH   SOLE   8,252 0 0
AT&T INC COM 00206R102 433 17,600 SH   SOLE   17,600 0 0
WASHINGTON FED INC COM 938824109 528 15,832 SH   SOLE   15,832 0 0
ALLSTATE CORP COM 020002101 588 5,000 SH   SOLE   5,000 0 0
DISCOVER FINL SVCS COM 254709108 599 5,180 SH   SOLE   5,180 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 631 11,713 SH   SOLE   11,713 0 0
ALPHABET INC CAP STK CL A 02079K305 681 235 SH   SOLE   235 0 0
COLGATE PALMOLIVE CO COM 194162103 683 8,000 SH   SOLE   8,000 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 724 8,260 SH   SOLE   8,260 0 0
ALPHABET INC CAP STK CL C 02079K107 744 257 SH   SOLE   257 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 756 7,033 SH   SOLE   7,033 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 773 2,584 SH   SOLE   2,584 0 0
LOWES COS INC COM 548661107 775 3,000 SH   SOLE   3,000 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 899 13,882 SH   SOLE   13,882 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,001 5,599 SH   SOLE   5,599 0 0
EMERSON ELEC CO COM 291011104 1,167 12,550 SH   SOLE   12,550 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,636 3,429 SH   SOLE   3,429 0 0
NIKE INC CL B 654106103 1,743 10,460 SH   SOLE   10,460 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,882 18,534 SH   SOLE   18,534 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,886 5,877 SH   SOLE   5,877 0 0
S&P GLOBAL INC COM 78409V104 1,945 4,122 SH   SOLE   4,122 0 0
NEXTERA ENERGY INC COM 65339F101 2,241 24,000 SH   SOLE   24,000 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,507 46,465 SH   SOLE   46,465 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,757 55,200 SH   SOLE   55,200 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,781 16,193 SH   SOLE   16,193 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,738 25,410 SH   SOLE   25,410 0 0
APPLE INC COM 037833100 3,875 21,825 SH   SOLE   21,825 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,174 48,499 SH   SOLE   48,499 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,738 41,374 SH   SOLE   41,374 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 5,563 110,224 SH   SOLE   110,224 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,103 45,663 SH   SOLE   45,663 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 6,175 215,916 SH   SOLE   215,916 0 0
COMCAST CORP NEW CL A 20030N101 6,182 122,835 SH   SOLE   122,835 0 0
PRUDENTIAL FINL INC COM 744320102 6,385 58,988 SH   SOLE   58,988 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,625 127,502 SH   SOLE   127,502 0 0
M & T BK CORP COM 55261F104 7,027 45,754 SH   SOLE   45,754 0 0
NORTHERN TR CORP COM 665859104 7,251 60,626 SH   SOLE   60,626 0 0
MEDTRONIC PLC SHS G5960L103 7,943 76,777 SH   SOLE   76,777 0 0
MERCK & CO INC COM 58933Y105 8,038 104,882 SH   SOLE   104,882 0 0
EXXON MOBIL CORP COM 30231G102 8,123 132,746 SH   SOLE   132,746 0 0
CHEVRON CORP NEW COM 166764100 8,462 72,106 SH   SOLE   72,106 0 0
UNION PAC CORP COM 907818108 8,629 34,251 SH   SOLE   34,251 0 0
JPMORGAN CHASE & CO COM 46625H100 8,667 54,735 SH   SOLE   54,735 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 8,789 162,037 SH   SOLE   162,037 0 0
DUPONT DE NEMOURS INC COM 26614N102 8,965 110,982 SH   SOLE   110,982 0 0
KROGER CO COM 501044101 9,032 199,560 SH   SOLE   199,560 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 9,424 256,166 SH   SOLE   256,166 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 10,059 161,328 SH   SOLE   161,328 0 0
PNC FINL SVCS GROUP INC COM 693475105 10,338 51,557 SH   SOLE   51,557 0 0
JOHNSON & JOHNSON COM 478160104 10,357 60,541 SH   SOLE   60,541 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 11,107 363,091 SH   SOLE   363,091 0 0
PROCTER AND GAMBLE CO COM 742718109 11,144 68,127 SH   SOLE   68,127 0 0
BECTON DICKINSON & CO COM 075887109 11,610 46,168 SH   SOLE   46,168 0 0
PEPSICO INC COM 713448108 11,754 67,667 SH   SOLE   67,667 0 0
MARSH & MCLENNAN COS INC COM 571748102 12,007 69,079 SH   SOLE   69,079 0 0
WALMART INC COM 931142103 12,328 85,201 SH   SOLE   85,201 0 0
INTEL CORP COM 458140100 12,566 244,008 SH   SOLE   244,008 0 0
TEXAS INSTRS INC COM 882508104 12,573 66,710 SH   SOLE   66,710 0 0
REPUBLIC SVCS INC COM 760759100 12,929 92,714 SH   SOLE   92,714 0 0
ISHARES TR MBS ETF 464288588 13,244 123,284 SH   SOLE   123,284 0 0
MCDONALDS CORP COM 580135101 15,629 58,301 SH   SOLE   58,301 0 0
CATERPILLAR INC COM 149123101 16,743 80,988 SH   SOLE   80,988 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 17,720 230,822 SH   SOLE   230,822 0 0
SCHWAB CHARLES CORP COM 808513105 17,859 212,359 SH   SOLE   212,359 0 0
ISHARES TR CORE MSCI EAFE 46432F842 17,881 239,567 SH   SOLE   239,567 0 0
DEERE & CO COM 244199105 18,102 52,792 SH   SOLE   52,792 0 0
BLACKROCK INC COM 09247X101 18,894 20,637 SH   SOLE   20,637 0 0
HOME DEPOT INC COM 437076102 22,877 55,124 SH   SOLE   55,124 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 22,884 551,560 SH   SOLE   551,560 0 0
MISSION PRODUCE INC COM 60510V108 25,445 1,620,710 SH   SOLE   1,620,710 0 0
MICROSOFT CORP COM 594918104 26,991 80,253 SH   SOLE   80,253 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 27,462 509,691 SH   SOLE   509,691 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 28,470 111,748 SH   SOLE   111,748 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 44,512 211,136 SH   SOLE   211,136 0 0