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
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,066 5,853 SH   SOLE   5,853 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 371 3,466 SH   SOLE   3,466 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 141 10,745 SH   SOLE   10,745 0 0
GABELLI CONV & INC SECS FD I COM 36240B109 67 11,000 SH   SOLE   11,000 0 0
BNY MELLON HIGH YIELD STRATE SH BEN INT 09660L105 35 12,500 SH   SOLE   12,500 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 959 18,280 SH   SOLE   18,280 0 0
EXXON MOBIL CORP COM 30231G102 11,335 137,246 SH   SOLE   137,246 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 290 3,900 SH   SOLE   3,900 0 0
WALMART INC COM 931142103 13,056 87,671 SH   SOLE   87,671 0 0
WELLS FARGO CO NEW COM 949746101 390 8,047 SH   SOLE   8,047 0 0
WASHINGTON FED INC COM 938824109 520 15,832 SH   SOLE   15,832 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,793 133,356 SH   SOLE   133,356 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 463 4,127 SH   SOLE   4,127 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,670 36,196 SH   SOLE   36,196 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,211 24,510 SH   SOLE   24,510 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,677 5,832 SH   SOLE   5,832 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 6,040 40,875 SH   SOLE   40,875 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,863 25,754 SH   SOLE   25,754 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 713 7,040 SH   SOLE   7,040 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 331 5,786 SH   SOLE   5,786 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 28,792 121,057 SH   SOLE   121,057 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 3,262 62,798 SH   SOLE   62,798 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,892 17,456 SH   SOLE   17,456 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,338 26,701 SH   SOLE   26,701 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,647 16,322 SH   SOLE   16,322 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 2,618 54,501 SH   SOLE   54,501 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 997 5,668 SH   SOLE   5,668 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 357 1,439 SH   SOLE   1,439 0 0
VISA INC COM CL A 92826C839 310 1,399 SH   SOLE   1,399 0 0
UNITED PARCEL SERVICE INC CL B 911312106 481 2,244 SH   SOLE   2,244 0 0
UNION PAC CORP COM 907818108 9,582 35,072 SH   SOLE   35,072 0 0
TEXAS INSTRS INC COM 882508104 12,567 68,490 SH   SOLE   68,490 0 0
TESLA INC COM 88160R101 931 864 SH   SOLE   864 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 266 4,574 SH   SOLE   4,574 0 0
ISHARES TR TIPS BD ETF 464287176 1,208 9,693 SH   SOLE   9,693 0 0
AT&T INC COM 00206R102 619 26,202 SH   SOLE   26,202 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,509 3,341 SH   SOLE   3,341 0 0
S&P GLOBAL INC COM 78409V104 1,691 4,122 SH   SOLE   4,122 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 24,159 625,237 SH   SOLE   625,237 0 0
ISHARES SILVER TR ISHARES 46428Q109 252 11,025 SH   SOLE   11,025 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 279 15,000 SH   SOLE   15,000 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 604 11,944 SH   SOLE   11,944 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 627 11,638 SH   SOLE   11,638 0 0
SCHWAB CHARLES CORP COM 808513105 18,303 217,096 SH   SOLE   217,096 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,423 30,713 SH   SOLE   30,713 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,584 54,556 SH   SOLE   54,556 0 0
STARBUCKS CORP COM 855244109 1,144 12,579 SH   SOLE   12,579 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,904 49,505 SH   SOLE   49,505 0 0
REPUBLIC SVCS INC COM 760759100 12,620 95,248 SH   SOLE   95,248 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 43,209 235,113 SH   SOLE   235,113 0 0
VANECK ETF TRUST RARE EARTH/STRTG 92189H805 266 2,245 SH   SOLE   2,245 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 763 2,104 SH   SOLE   2,104 0 0
PRUDENTIAL FINL INC COM 744320102 7,152 60,519 SH   SOLE   60,519 0 0
PNC FINL SVCS GROUP INC COM 693475105 9,738 52,794 SH   SOLE   52,794 0 0
PROCTER AND GAMBLE CO COM 742718109 10,982 71,873 SH   SOLE   71,873 0 0
ISHARES TR PFD AND INCM SEC 464288687 758 20,806 SH   SOLE   20,806 0 0
PFIZER INC COM 717081103 315 6,081 SH   SOLE   6,081 0 0
PEPSICO INC COM 713448108 11,970 71,512 SH   SOLE   71,512 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 10,209 296,083 SH   SOLE   296,083 0 0
NORTHERN TR CORP COM 665859104 7,188 61,725 SH   SOLE   61,725 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,932 20,361 SH   SOLE   20,361 0 0
NIKE INC CL B 654106103 1,441 10,710 SH   SOLE   10,710 0 0
NEXTERA ENERGY INC COM 65339F101 2,219 26,200 SH   SOLE   26,200 0 0
M & T BK CORP COM 55261F104 7,915 46,696 SH   SOLE   46,696 0 0
MICROSOFT CORP COM 594918104 25,372 82,295 SH   SOLE   82,295 0 0
MERCK & CO INC COM 58933Y105 8,865 108,041 SH   SOLE   108,041 0 0
3M CO COM 88579Y101 223 1,500 SH   SOLE   1,500 0 0
MARSH & MCLENNAN COS INC COM 571748102 12,127 71,161 SH   SOLE   71,161 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,882 18,789 SH   SOLE   18,789 0 0
MEDTRONIC PLC SHS G5960L103 8,723 78,618 SH   SOLE   78,618 0 0
MCDONALDS CORP COM 580135101 15,212 61,519 SH   SOLE   61,519 0 0
ISHARES TR MBS ETF 464288588 15,958 156,646 SH   SOLE   156,646 0 0
ISHARES TR IBOXX INV CP ETF 464287242 260 2,149 SH   SOLE   2,149 0 0
LOWES COS INC COM 548661107 617 3,049 SH   SOLE   3,049 0 0
ALLIANT ENERGY CORP COM 018802108 281 4,500 SH   SOLE   4,500 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 274 3,565 SH   SOLE   3,565 0 0
KROGER CO COM 501044101 11,785 205,415 SH   SOLE   205,415 0 0
JPMORGAN CHASE & CO COM 46625H100 7,659 56,180 SH   SOLE   56,180 0 0
JOHNSON & JOHNSON COM 478160104 11,092 62,584 SH   SOLE   62,584 0 0
ISHARES TR CORE S&P500 ETF 464287200 5,837 12,865 SH   SOLE   12,865 0 0
INTEL CORP COM 458140100 12,448 251,175 SH   SOLE   251,175 0 0
ISHARES TR CORE S&P SCP ETF 464287804 5,462 50,627 SH   SOLE   50,627 0 0
ISHARES TR CORE S&P MCP ETF 464287507 323 1,204 SH   SOLE   1,204 0 0
ISHARES TR U.S. MED DVC ETF 464288810 894 14,665 SH   SOLE   14,665 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 33,219 642,294 SH   SOLE   642,294 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 250 1,900 SH   SOLE   1,900 0 0
ISHARES TR CORE MSCI EAFE 46432F842 19,288 277,486 SH   SOLE   277,486 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,058 46,593 SH   SOLE   46,593 0 0
PROSHARES TR HD REPLICATION 74347X294 420 8,466 SH   SOLE   8,466 0 0
HOME DEPOT INC COM 437076102 17,057 56,984 SH   SOLE   56,984 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 4,195 83,577 SH   SOLE   83,577 0 0
ALPHABET INC CAP STK CL A 02079K305 690 248 SH   SOLE   248 0 0
ALPHABET INC CAP STK CL C 02079K107 1,142 409 SH   SOLE   409 0 0
SPDR GOLD TR GOLD SHS 78463V107 811 4,490 SH   SOLE   4,490 0 0
BANK OF MONTREAL 2X LEVERAGED 063679856 301 8,440 SH   SOLE   8,440 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 1,075 33,339 SH   SOLE   33,339 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 597 20,636 SH   SOLE   20,636 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,510 42,670 SH   SOLE   42,670 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,379 25,796 SH   SOLE   25,796 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 13,704 449,474 SH   SOLE   449,474 0 0
EMERSON ELEC CO COM 291011104 1,231 12,550 SH   SOLE   12,550 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 8,010 296,791 SH   SOLE   296,791 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 19,393 268,830 SH   SOLE   268,830 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 910 14,089 SH   SOLE   14,089 0 0
DISNEY WALT CO COM 254687106 404 2,945 SH   SOLE   2,945 0 0
DISCOVER FINL SVCS COM 254709108 571 5,180 SH   SOLE   5,180 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 338 12,262 SH   SOLE   12,262 0 0
DEERE & CO COM 244199105 22,537 54,247 SH   SOLE   54,247 0 0
DUPONT DE NEMOURS INC COM 26614N102 8,353 113,523 SH   SOLE   113,523 0 0
CHEVRON CORP NEW COM 166764100 11,981 73,577 SH   SOLE   73,577 0 0
CISCO SYS INC COM 17275R102 336 6,025 SH   SOLE   6,025 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,128 1,958 SH   SOLE   1,958 0 0
COMCAST CORP NEW CL A 20030N101 5,875 125,489 SH   SOLE   125,489 0 0
COLGATE PALMOLIVE CO COM 194162103 654 8,620 SH   SOLE   8,620 0 0
CATERPILLAR INC COM 149123101 18,584 83,404 SH   SOLE   83,404 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 7,610 165,902 SH   SOLE   165,902 0 0
BP PLC SPONSORED ADR 055622104 203 6,898 SH   SOLE   6,898 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,496 31,383 SH   SOLE   31,383 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 12,143 166,277 SH   SOLE   166,277 0 0
BLACKROCK INC COM 09247X101 16,187 21,182 SH   SOLE   21,182 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 686 8,372 SH   SOLE   8,372 0 0
BECTON DICKINSON & CO COM 075887109 12,647 47,546 SH   SOLE   47,546 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 332 11,202 SH   SOLE   11,202 0 0
MISSION PRODUCE INC COM 60510V108 2,696 213,100 SH   SOLE   213,100 0 0
AMAZON COM INC COM 023135106 2,217 680 SH   SOLE   680 0 0
ALLSTATE CORP COM 020002101 693 5,000 SH   SOLE   5,000 0 0
ALASKA AIR GROUP INC COM 011659109 602 10,371 SH   SOLE   10,371 0 0
AMERICAN ELEC PWR CO INC COM 025537101 248 2,482 SH   SOLE   2,482 0 0
ABBOTT LABS COM 002824100 540 4,559 SH   SOLE   4,559 0 0
AMERISOURCEBERGEN CORP COM 03073E105 398 2,575 SH   SOLE   2,575 0 0
ABBVIE INC COM 00287Y109 354 2,184 SH   SOLE   2,184 0 0
APPLE INC COM 037833100 5,075 29,064 SH   SOLE   29,064 0 0