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 267 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 2,216 14,206 SH   SOLE   13,831 0 375
Abbott Labs COM 002824100 2,890 31,608 SH   SOLE   30,883 0 725
Adobe Systems COM 00724F101 555 1,274 SH   SOLE   1,274 0 0
Air Products & Chem COM 009158106 2,447 10,133 SH   SOLE   9,908 0 225
Alphabet Inc COM 02079K107 1,627 1,151 SH   SOLE   1,110 0 41
Amazon.com Inc COM 023135106 6,254 2,267 SH   SOLE   2,228 0 39
American Express Co COM 025816109 238 2,500 SH   SOLE   2,500 0 0
American Water Wks Co COM 030420103 858 6,666 SH   SOLE   6,416 0 250
Apple Inc. COM 037833100 6,035 16,543 SH   SOLE   16,368 0 175
Automatic Data COM 053015103 3,047 20,466 SH   SOLE   19,906 0 560
Becton, Dickinson COM 075887109 2,311 9,660 SH   SOLE   9,410 0 250
Berkshire Hathaway B COM 084670702 2,599 14,558 SH   SOLE   13,728 0 830
BlackRock, Inc. COM 09247X101 2,111 3,879 SH   SOLE   3,769 0 110
Boeing Company COM 097023105 346 1,890 SH   SOLE   1,890 0 0
Carrier Global Group COM 14448C104 356 16,011 SH   SOLE   15,561 0 450
Check Point Software Tech COM M22465104 1,684 15,673 SH   SOLE   15,233 0 440
Chevron Corp. COM 166764100 1,252 14,036 SH   SOLE   13,811 0 225
Cisco Systems COM 17275R102 2,534 54,326 SH   SOLE   52,766 0 1,560
Coastal Financial Corp COM 19046P209 1,465 100,866 SH   SOLE   100,866 0 0
Coca Cola COM 191216100 1,909 42,729 SH   SOLE   42,329 0 400
Colgate-Palmolive COM 194162103 1,072 14,629 SH   SOLE   14,019 0 610
ConocoPhillips COM 20825C104 815 19,400 SH   SOLE   18,670 0 730
Costco Wholesale COM 22160K105 6,580 21,700 SH   SOLE   20,800 0 900
Danaher Inc. COM 235851102 2,504 14,160 SH   SOLE   13,960 0 200
ETFs Gold Tr PHYSCL GOLD SHS 00326A104 754 44,000 SH   SOLE   44,000 0 0
ETFs Silver Tr PHYSCL SILIVER SHS 003264108 317 18,000 SH   SOLE   18,000 0 0
Exxon Mobil COM 30231G102 1,416 31,654 SH   SOLE   31,104 0 550
Honeywell Intl COM 438516106 201 1,387 SH   SOLE   1,387 0 0
Intel Corp. COM 458140100 3,577 59,786 SH   SOLE   57,911 0 1,875
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 1,688 19,396 SH   SOLE   19,196 0 200
iShares Tr NASDQ BIO INDEX 464287556 5,238 38,322 SH   SOLE   36,607 0 1,715
iShares Inc MSCI GERMANY ETF 464286806 756 27,884 SH   SOLE   26,734 0 1,150
Johnson & Johnson COM 478160104 2,484 17,665 SH   SOLE   17,150 0 515
JP Morgan Ultra Short ETF 46641Q837 3,136 61,809 SH   SOLE   60,309 0 1,500
JP Morgan Ultra Short Muni ETF 46641Q654 1,116 21,900 SH   SOLE   21,900 0 0
Kimberly-Clark COM 494368103 2,188 15,482 SH   SOLE   15,082 0 400
L3harris Corp. COM 413875105 2,200 12,967 SH   SOLE   12,252 0 715
Microsoft COM 594918104 14,885 73,140 SH   SOLE   69,795 0 3,345
NextEra Energy COM 65339F101 3,054 12,715 SH   SOLE   12,170 0 545
Norfolk Southern COM 655844108 2,485 14,154 SH   SOLE   13,404 0 750
Novo Nordisk AD COM 670100205 3,443 52,587 SH   SOLE   51,137 0 1,450
Otis Worldwide Corp COM 68902V107 469 8,256 SH   SOLE   8,006 0 250
Paccar Inc. COM 693718108 3,188 42,587 SH   SOLE   41,437 0 1,150
PepsiCo Inc. COM 713448108 2,285 17,279 SH   SOLE   16,879 0 400
Phillips 66 COM 718546104 1,161 16,145 SH   SOLE   15,395 0 750
Procter & Gamble COM 742718109 2,125 17,772 SH   SOLE   17,425 0 347
Raytheon Technologies COM 755111507 1,019 16,541 SH   SOLE   16,041 0 500
Royal Dutch Shell SPONS ADR A 780257804 616 18,851 SH   SOLE   18,651 0 200
SAP AG SPONS ADR 803054204 1,922 13,730 SH   SOLE   13,630 0 100
Schwab Strategic Tr SMCAP INTL EQ ETF 808524888 285 9,655 SH   SOLE   9,655 0 0
Schwab Strategic Tr INTL EQ ETF 808524805 361 12,119 SH   SOLE   12,119 0 0
Schwab Strategic Tr US MIDCAP ETF 808524508 211 4,013 SH   SOLE   4,013 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 1,841 32,666 SH   SOLE   32,291 0 375
Snap-On Inc. COM 833034101 1,880 13,570 SH   SOLE   12,645 0 925
SPDR Gold Trust Gold Shares ETF 78463V107 232 1,387 SH   SOLE   1,387 0 0
Starbucks Corp. COM 855244109 4,611 62,652 SH   SOLE   61,552 0 1,100
Stryker Corp. COM 863667101 3,092 17,161 SH   SOLE   16,661 0 500
Thermo Fisher COM 883556102 380 1,048 SH   SOLE   1,048 0 0
Total SA SPONS ADR 89151E109 421 10,934 SH   SOLE   10,579 0 355
Union Pacific Corp COM 907818108 219 1,297 SH   SOLE   1,297 0 0
United Parcel Svc COM 911312106 2,085 18,757 SH   SOLE   18,432 0 325
UnitedHealth Gr COM 91324P102 2,250 7,630 SH   SOLE   7,540 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,092 18,918 SH   SOLE   17,718 0 1,200
Vanguard World FDS FINCLS IDX ETF 92204A405 682 11,925 SH   SOLE   11,745 0 180
Visa Inc COM 92826C839 413 2,138 SH   SOLE   2,138 0 0
Walgreens Boots COM 931427108 370 8,740 SH   SOLE   8,740 0 0
Walt Disney Co. COM 254687106 2,845 25,511 SH   SOLE   24,391 0 1,120
Wash Federal Inc COM 938824109 1,394 51,938 SH   SOLE   49,978 0 1,960
Waste Management COM 94106L109 2,433 22,971 SH   SOLE   22,471 0 500
Xcel Energy Inc COM 98389B100 411 6,582 SH   SOLE   6,582 0 0