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 451 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 2,636 14,840 SH   SOLE   14,440 0 400
Abbott Labs COM 002824100 3,958 28,123 SH   SOLE   27,298 0 825
Aberdeen Std Gold ETF Tr PHYSCL GOLD SHS 00326A104 773 44,000 SH   SOLE   44,000 0 0
Adobe Systems COM 00724F101 722 1,274 SH   SOLE   1,274 0 0
Air Products & Chem COM 009158106 3,125 10,271 SH   SOLE   10,096 0 175
Alphabet Inc Class C COM 02079K107 3,128 1,081 SH   SOLE   1,040 0 41
Alphabet Inc Class A COM 02079K305 307 106 SH   SOLE   106 0 0
Amazon.com Inc COM 023135106 7,492 2,247 SH   SOLE   2,208 0 39
American Express Co COM 025816109 409 2,500 SH   SOLE   2,500 0 0
American Water Wks Co COM 030420103 935 4,950 SH   SOLE   4,800 0 150
Apple Inc. COM 037833100 11,843 66,696 SH   SOLE   65,191 0 1,505
Automatic Data COM 053015103 5,042 20,446 SH   SOLE   19,886 0 560
Becton, Dickinson COM 075887109 2,405 9,565 SH   SOLE   9,315 0 250
Berkshire Hathaway B COM 084670702 4,042 13,517 SH   SOLE   12,907 0 610
BlackRock, Inc. COM 09247X101 3,272 3,574 SH   SOLE   3,454 0 120
Boeing Company COM 097023105 240 1,190 SH   SOLE   1,190 0 0
Bristol-Meyers Squibb Co COM 110122108 1,594 25,561 SH   SOLE   24,911 0 650
Broadcom Inc COM 11135F101 897 1,348 SH   SOLE   1,313 0 35
Check Point Software Tech COM M22465104 1,779 15,263 SH   SOLE   14,873 0 390
Chevron Corp. COM 166764100 1,674 14,264 SH   SOLE   13,939 0 325
Cisco Systems COM 17275R102 3,369 53,161 SH   SOLE   51,601 0 1,560
Coastal Financial Corp COM 19046P209 5,326 105,221 SH   SOLE   105,221 0 0
Coca Cola COM 191216100 2,766 46,721 SH   SOLE   46,271 0 450
Colgate-Palmolive COM 194162103 1,484 17,384 SH   SOLE   16,874 0 510
ConocoPhillips COM 20825C104 1,068 14,792 SH   SOLE   14,062 0 730
Costco Wholesale COM 22160K105 12,346 21,747 SH   SOLE   20,947 0 800
Danaher Inc. COM 235851102 4,074 12,383 SH   SOLE   12,183 0 200
Exxon Mobil COM 30231G102 303 4,950 SH   SOLE   4,950 0 0
Honeywell Intl COM 438516106 202 971 SH   SOLE   971 0 0
Intel Corp. COM 458140100 2,992 58,103 SH   SOLE   56,428 0 1,675
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 2,942 19,026 SH   SOLE   18,826 0 200
iShares Tr NASDQ BIO INDEX 464287556 5,827 38,177 SH   SOLE   36,387 0 1,790
iShares Inc MSCI GERMANY ETF 464286806 1,273 38,834 SH   SOLE   37,634 0 1,200
iShares Inc TIPS ETF 464287176 204 1,581 SH   SOLE   1,581 0 0
Johnson & Johnson COM 478160104 3,239 18,936 SH   SOLE   18,121 0 815
JP Morgan Ultra Short ETF 46641Q837 8,369 165,789 SH   SOLE   162,289 0 3,500
JP Morgan Ultra Short Muni ETF 46641Q654 5,613 109,930 SH   SOLE   109,530 0 400
Kimberly-Clark COM 494368103 2,605 18,228 SH   SOLE   17,828 0 400
L3harris Corp. COM 413875105 2,819 13,222 SH   SOLE   12,447 0 775
MDU Res Group Inc COM 552690109 733 23,756 SH   SOLE   22,856 0 900
Microsoft COM 594918104 22,168 65,913 SH   SOLE   63,123 0 2,790
NextEra Energy COM 65339F101 4,406 47,195 SH   SOLE   44,985 0 2,210
Norfolk Southern COM 655844108 4,514 15,164 SH   SOLE   14,264 0 900
Novo Nordisk AD COM 670100205 6,034 53,872 SH   SOLE   51,722 0 2,150
Paccar Inc. COM 693718108 3,696 41,871 SH   SOLE   40,821 0 1,050
PepsiCo Inc. COM 713448108 3,137 18,058 SH   SOLE   17,658 0 400
Phillips 66 COM 718546104 1,129 15,577 SH   SOLE   14,777 0 800
Procter & Gamble COM 742718109 3,005 18,369 SH   SOLE   17,735 0 634
Raytheon Technologies COM 755111507 2,028 23,566 SH   SOLE   23,016 0 550
Royal Dutch Shell SPONS ADR A 780257804 1,174 27,049 SH   SOLE   26,749 0 300
SAP AG SPONS ADR 803054204 1,198 8,553 SH   SOLE   8,553 0 0
Schwab Strategic Tr SMCAP INTL EQ ETF 808524888 395 9,655 SH   SOLE   9,655 0 0
Schwab Strategic Tr INTL EQ ETF 808524805 460 11,829 SH   SOLE   11,829 0 0
Schwab Strategic Tr US MIDCAP ETF 808524508 327 4,064 SH   SOLE   4,064 0 0
Schwab Strategic Tr US LARGE CAP ETF 808524201 269 2,359 SH   SOLE   2,359 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 3,141 34,666 SH   SOLE   34,191 0 475
Snap-On Inc. COM 833034101 2,514 11,674 SH   SOLE   10,899 0 775
SPDR Gold Trust Gold Shares ETF 78463V107 237 1,387 SH   SOLE   1,387 0 0
SPDR S&P Midcap 400 UTSER1 S&PDCRP 78467Y107 214 414 SH   SOLE   414 0 0
Starbucks Corp. COM 855244109 7,118 60,853 SH   SOLE   59,458 0 1,395
Stryker Corp. COM 863667101 4,434 16,580 SH   SOLE   15,980 0 600
Thermo Fisher COM 883556102 312 468 SH   SOLE   468 0 0
TotalEnergies SE SPONS ADS 89151E109 449 9,079 SH   SOLE   8,724 0 355
Tractor Supply Co. COM 892356106 200 840 SH   SOLE   840 0 0
Union Pacific Corp COM 907818108 237 942 SH   SOLE   942 0 0
United Parcel Svc COM 911312106 3,438 16,039 SH   SOLE   15,764 0 275
UnitedHealth Gr COM 91324P102 3,870 7,708 SH   SOLE   7,618 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,162 21,073 SH   SOLE   19,773 0 1,300
Vanguard Index FDS REAL ESTATE ETF 922908553 982 8,467 SH   SOLE   8,197 0 270
Vanguard World FDS FINCLS IDX ETF 92204A405 2,046 21,187 SH   SOLE   20,707 0 480
Visa Inc COM 92826C839 1,512 6,979 SH   SOLE   6,819 0 160
Walgreens Boots COM 931427108 253 4,845 SH   SOLE   4,845 0 0
Walt Disney Co. COM 254687106 3,593 23,195 SH   SOLE   22,235 0 960
Wash Federal Inc COM 938824109 1,185 35,511 SH   SOLE   34,911 0 600
Waste Management COM 94106L109 3,939 23,601 SH   SOLE   22,801 0 800
Xcel Energy Inc COM 98389B100 416 6,147 SH   SOLE   6,147 0 0