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 348 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 2,624 15,013 SH   SOLE   14,613 0 400
Abbott Labs COM 002824100 3,616 33,028 SH   SOLE   32,403 0 625
Adobe Systems COM 00724F101 637 1,274 SH   SOLE   1,274 0 0
Air Products & Chem COM 009158106 2,760 10,101 SH   SOLE   9,926 0 175
Alphabet Inc Class C COM 02079K107 2,016 1,151 SH   SOLE   1,110 0 41
Alphabet Inc Class A COM 02079K305 214 122 SH   SOLE   122 0 0
Amazon.com Inc COM 023135106 7,533 2,313 SH   SOLE   2,274 0 39
American Express Co COM 025816109 302 2,500 SH   SOLE   2,500 0 0
American Water Wks Co COM 030420103 1,019 6,641 SH   SOLE   6,341 0 300
Apple Inc. COM 037833100 8,912 67,166 SH   SOLE   66,466 0 700
Automatic Data COM 053015103 3,624 20,566 SH   SOLE   19,956 0 610
Becton, Dickinson COM 075887109 2,442 9,760 SH   SOLE   9,510 0 250
Berkshire Hathaway B COM 084670702 3,505 15,115 SH   SOLE   14,285 0 830
BlackRock, Inc. COM 09247X101 2,935 4,067 SH   SOLE   3,972 0 95
Boeing Company COM 097023105 390 1,820 SH   SOLE   1,820 0 0
Carrier Global Group COM 14448C104 601 15,931 SH   SOLE   15,481 0 450
Check Point Software Tech COM M22465104 2,092 15,743 SH   SOLE   15,353 0 390
Chevron Corp. COM 166764100 1,007 11,921 SH   SOLE   11,696 0 225
Cisco Systems COM 17275R102 2,424 54,176 SH   SOLE   52,616 0 1,560
Coastal Financial Corp COM 19046P209 2,118 100,866 SH   SOLE   100,866 0 0
Coca Cola COM 191216100 2,482 45,266 SH   SOLE   44,816 0 450
Colgate-Palmolive COM 194162103 1,403 16,409 SH   SOLE   15,899 0 510
ConocoPhillips COM 20825C104 664 16,600 SH   SOLE   15,870 0 730
Costco Wholesale COM 22160K105 8,184 21,720 SH   SOLE   20,820 0 900
Danaher Inc. COM 235851102 2,818 12,685 SH   SOLE   12,485 0 200
ETFs Gold Tr PHYSCL GOLD SHS 00326A104 804 44,000 SH   SOLE   44,000 0 0
ETFs Silver Tr PHYSCL SILIVER SHS 003264108 460 18,000 SH   SOLE   18,000 0 0
Exxon Mobil COM 30231G102 204 4,950 SH   SOLE   4,950 0 0
Honeywell Intl COM 438516106 295 1,387 SH   SOLE   1,387 0 0
Intel Corp. COM 458140100 2,934 58,886 SH   SOLE   57,011 0 1,875
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 2,385 19,476 SH   SOLE   19,276 0 200
iShares Tr NASDQ BIO INDEX 464287556 5,908 38,997 SH   SOLE   37,507 0 1,490
iShares Inc MSCI GERMANY ETF 464286806 1,034 32,559 SH   SOLE   31,359 0 1,200
iShares Inc MSCI SWITZERLAND ETF 464286749 201 4,500 SH   SOLE   4,500 0 0
iShares Inc TIPS ETF 464287176 202 1,580 SH   SOLE   1,580 0 0
Johnson & Johnson COM 478160104 2,927 18,596 SH   SOLE   18,031 0 565
JP Morgan Ultra Short ETF 46641Q837 8,831 173,877 SH   SOLE   169,984 0 3,893
JP Morgan Ultra Short Muni ETF 46641Q654 4,668 91,455 SH   SOLE   91,455 0 0
Kimberly-Clark COM 494368103 2,230 16,542 SH   SOLE   16,142 0 400
L3harris Corp. COM 413875105 2,526 13,362 SH   SOLE   12,687 0 675
Microsoft COM 594918104 15,696 70,569 SH   SOLE   67,579 0 2,990
NextEra Energy COM 65339F101 3,918 50,790 SH   SOLE   48,610 0 2,180
Norfolk Southern COM 655844108 3,567 15,013 SH   SOLE   14,313 0 700
Novo Nordisk AD COM 670100205 3,783 54,164 SH   SOLE   52,714 0 1,450
Paccar Inc. COM 693718108 3,642 42,212 SH   SOLE   41,162 0 1,050
PepsiCo Inc. COM 713448108 2,589 17,459 SH   SOLE   17,059 0 400
Phillips 66 COM 718546104 1,135 16,235 SH   SOLE   15,435 0 800
Procter & Gamble COM 742718109 2,481 17,832 SH   SOLE   17,485 0 347
Raytheon Technologies COM 755111507 1,581 22,106 SH   SOLE   21,556 0 550
Royal Dutch Shell SPONS ADR A 780257804 707 20,131 SH   SOLE   19,831 0 300
SAP AG SPONS ADR 803054204 1,115 8,555 SH   SOLE   8,555 0 0
Schwab Strategic Tr SMCAP INTL EQ ETF 808524888 364 9,655 SH   SOLE   9,655 0 0
Schwab Strategic Tr INTL EQ ETF 808524805 436 12,119 SH   SOLE   12,119 0 0
Schwab Strategic Tr US MIDCAP ETF 808524508 274 4,013 SH   SOLE   4,013 0 0
Schwab Strategic Tr US LARGE CAP ETF 808524201 215 2,359 SH   SOLE   2,359 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 2,377 32,836 SH   SOLE   32,461 0 375
Snap-On Inc. COM 833034101 2,348 13,720 SH   SOLE   12,795 0 925
SPDR Gold Trust Gold Shares ETF 78463V107 247 1,387 SH   SOLE   1,387 0 0
Starbucks Corp. COM 855244109 6,671 62,362 SH   SOLE   60,967 0 1,395
Stryker Corp. COM 863667101 4,257 17,373 SH   SOLE   16,873 0 500
Thermo Fisher COM 883556102 465 998 SH   SOLE   998 0 0
Total SA SPONS ADR 89151E109 407 9,709 SH   SOLE   9,354 0 355
Tractory Supply Co. COM 892356106 208 1,480 SH   SOLE   1,480 0 0
Union Pacific Corp COM 907818108 270 1,297 SH   SOLE   1,297 0 0
United Parcel Svc COM 911312106 2,948 17,508 SH   SOLE   17,233 0 275
UnitedHealth Gr COM 91324P102 2,725 7,770 SH   SOLE   7,680 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,304 22,280 SH   SOLE   20,980 0 1,300
Vanguard World FDS FINCLS IDX ETF 92204A405 1,175 16,130 SH   SOLE   15,850 0 280
Visa Inc COM 92826C839 468 2,138 SH   SOLE   2,138 0 0
Walgreens Boots COM 931427108 251 6,295 SH   SOLE   6,295 0 0
Walt Disney Co. COM 254687106 4,602 25,401 SH   SOLE   24,281 0 1,120
Wash Federal Inc COM 938824109 1,484 57,665 SH   SOLE   55,705 0 1,960
Waste Management COM 94106L109 2,717 23,041 SH   SOLE   22,541 0 500
Xcel Energy Inc COM 98389B100 439 6,582 SH   SOLE   6,582 0 0