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
1/100 Berkshire Hathaway Class A 084990175 340 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 2,356 13,352 SH   SOLE   12,977 0 375
Abbott Labs COM 002824100 2,803 32,271 SH   SOLE   31,546 0 725
Adobe Systems COM 00724F101 385 1,166 SH   SOLE   1,166 0 0
Air Products & Chem COM 009158106 2,397 10,199 SH   SOLE   9,974 0 225
Alphabet Inc COM 02079K107 1,170 875 SH   SOLE   834 0 41
Amazon.com Inc COM 023135106 4,278 2,315 SH   SOLE   2,276 0 39
American Express Co COM 025816109 311 2,500 SH   SOLE   2,500 0 0
American Water Wks Co COM 030420103 1,009 8,215 SH   SOLE   7,965 0 250
Apple Inc. COM 037833100 5,019 17,092 SH   SOLE   16,917 0 175
A T & T Inc. COM 00206R102 777 19,880 SH   SOLE   19,530 0 350
Automatic Data COM 053015103 3,611 21,181 SH   SOLE   20,621 0 560
Becton, Dickinson COM 075887109 2,610 9,597 SH   SOLE   9,347 0 250
Berkshire Hathaway B COM 084670702 3,360 14,835 SH   SOLE   14,005 0 830
BlackRock, Inc. COM 09247X101 1,887 3,754 SH   SOLE   3,644 0 110
Boeing Company COM 097023105 616 1,890 SH   SOLE   1,890 0 0
Check Point Software Tech COM M22465104 1,812 16,330 SH   SOLE   15,890 0 440
Chevron Corp. COM 166764100 1,353 11,229 SH   SOLE   11,104 0 125
Cisco Systems COM 17275R102 2,737 57,071 SH   SOLE   55,511 0 1,560
CME Group Inc COM 12572Q105 205 1,020 SH   SOLE   1,020 0 0
Coastal Financial Corp COM 19046P209 1,661 100,866 SH   SOLE   100,866 0 0
Coca Cola COM 191216100 2,448 44,231 SH   SOLE   43,831 0 400
Colgate-Palmolive COM 194162103 1,007 14,630 SH   SOLE   14,020 0 610
ConocoPhillips COM 20825C104 1,212 18,633 SH   SOLE   17,903 0 730
Costco Wholesale COM 22160K105 6,648 22,619 SH   SOLE   21,719 0 900
Danaher Inc. COM 235851102 2,248 14,644 SH   SOLE   14,444 0 200
ETFs Gold Tr COM 26922Y105 643 44,000 SH   SOLE   44,000 0 0
Exxon Mobil SHS 30231G102 1,936 27,749 SH   SOLE   27,399 0 350
Honeywell Intl Inc COM 438516106 204 1,154 SH   SOLE   1,154 0 0
Intel Corp. COM 458140100 3,827 63,937 SH   SOLE   62,062 0 1,875
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 1,954 20,365 SH   SOLE   20,165 0 200
iShares Tr NASDQ BIO INDEX 464287556 4,851 40,255 SH   SOLE   38,540 0 1,715
iShares Inc MSCI GERMANY ETF 464286806 1,166 39,653 SH   SOLE   38,403 0 1,250
Johnson & Johnson COM 478160104 2,577 17,665 SH   SOLE   17,150 0 515
JP Morgan Ultra Short ETF 46641Q837 443 8,784 SH   SOLE   8,784 0 0
Kimberly-Clark COM 494368103 2,216 16,109 SH   SOLE   15,709 0 400
L3harris Corp. COM 413875105 2,594 13,110 SH   SOLE   12,395 0 715
Microsoft COM 594918104 11,839 75,070 SH   SOLE   71,725 0 3,345
NextEra Energy COM 65339F101 3,130 12,927 SH   SOLE   12,382 0 545
Norfolk Southern COM 655844108 3,050 15,711 SH   SOLE   14,861 0 850
Novo Nordisk AD COM 670100205 3,140 54,257 SH   SOLE   52,807 0 1,450
Paccar Inc. COM 693718108 3,553 44,920 SH   SOLE   43,770 0 1,150
PepsiCo Inc. COM 713448108 2,457 17,978 SH   SOLE   17,578 0 400
Phillips 66 COM 718546104 1,819 16,329 SH   SOLE   15,579 0 750
Procter & Gamble COM 742718109 2,326 18,619 SH   SOLE   18,272 0 347
Royal Dutch Shell SPONS ADR A 780257804 1,234 20,928 SH   SOLE   20,728 0 200
SAP AG SPONS ADR 803054204 1,937 14,455 SH   SOLE   14,255 0 200
Schlumberger Lt COM 806857108 595 14,802 SH   SOLE   14,302 0 500
Schwab Strategic Tr EMRG MKTEQ ETF 808524706 3,320 121,298 SH   SOLE   118,716 0 2,582
Schwab Strategic Tr INTL EQ ETF 808524805 433 12,889 SH   SOLE   12,889 0 0
Schwab US Mid-Cap Mid-Cap ETF 808524508 241 4,013 SH   SOLE   4,013 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 2,144 34,909 SH   SOLE   34,434 0 475
Snap-On Inc. COM 833034101 2,329 13,750 SH   SOLE   12,825 0 925
SPDR Gold Trust Gold Shares ETF 78463V107 270 1,892 SH   SOLE   1,892 0 0
Starbucks Corp. COM 855244109 5,830 66,310 SH   SOLE   64,765 0 1,545
Stryker Corp. COM 863667101 3,739 17,809 SH   SOLE   17,309 0 500
Thermo Fisher COM 883556102 292 900 SH   SOLE   900 0 0
Total SA SPONS ADR 89151E109 584 10,569 SH   SOLE   10,064 0 505
Union Pacific COM 907818108 234 1,297 SH   SOLE   1,297 0 0
United Parcel Svc COM 911312106 2,162 18,471 SH   SOLE   18,146 0 325
United Technologies COM 913017109 2,651 17,700 SH   SOLE   17,100 0 600
UnitedHealth Gr COM 91324P102 2,276 7,741 SH   SOLE   7,651 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,254 22,158 SH   SOLE   20,958 0 1,200
Vanguard World FDS FINCLS IDX ETF 92204A405 829 10,870 SH   SOLE   10,690 0 180
Visa Inc COM 92826C839 402 2,138 SH   SOLE   2,138 0 0
Walgreens Boots COM 931427108 2,291 38,857 SH   SOLE   38,207 0 650
Walt Disney Co. COM 254687106 3,779 26,130 SH   SOLE   25,010 0 1,120
Wash Federal Inc COM 938824109 1,958 53,419 SH   SOLE   51,459 0 1,960
Waste Management COM 94106L109 2,681 23,522 SH   SOLE   23,022 0 500
Xcel Energy Inc COM 98389B100 418 6,582 SH   SOLE   6,582 0 0