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
AMERICAN ELEC PWR CO INC COM 025537101 201 2,482 SH   SOLE   2,482 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 205 2,404 SH   SOLE   2,404 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 220 1,504 SH   SOLE   1,504 0 0
ALLIANT ENERGY CORP COM 018802108 252 4,500 SH   SOLE   4,500 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 254 1,900 SH   SOLE   1,900 0 0
3M CO COM 88579Y101 281 1,600 SH   SOLE   1,600 0 0
ISHARES TR CORE S&P MCP ETF 464287507 281 1,068 SH   SOLE   1,068 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 286 666 SH   SOLE   666 0 0
AMERISOURCEBERGEN CORP COM 03073E105 308 2,575 SH   SOLE   2,575 0 0
SPDR GOLD TR GOLD SHS 78463V107 308 1,877 SH   SOLE   1,877 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 326 12,262 SH   SOLE   12,262 0 0
NVIDIA CORPORATION COM 67066G104 364 1,758 SH   SOLE   1,758 0 0
CISCO SYS INC COM 17275R102 370 6,790 SH   SOLE   6,790 0 0
DISNEY WALT CO COM 254687106 372 2,197 SH   SOLE   2,197 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 408 1,458 SH   SOLE   1,458 0 0
PROSHARES TR HD REPLICATION 74347X294 411 8,009 SH   SOLE   8,009 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 412 1,509 SH   SOLE   1,509 0 0
STARBUCKS CORP COM 855244109 417 3,778 SH   SOLE   3,778 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 425 6,879 SH   SOLE   6,879 0 0
AT&T INC COM 00206R102 491 18,178 SH   SOLE   18,178 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 504 5,634 SH   SOLE   5,634 0 0
WASHINGTON FED INC COM 938824109 543 15,832 SH   SOLE   15,832 0 0
COLGATE PALMOLIVE CO COM 194162103 605 8,000 SH   SOLE   8,000 0 0
LOWES COS INC COM 548661107 609 3,000 SH   SOLE   3,000 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 615 1,068 SH   SOLE   1,068 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 635 11,711 SH   SOLE   11,711 0 0
DISCOVER FINL SVCS COM 254709108 636 5,180 SH   SOLE   5,180 0 0
ALLSTATE CORP COM 020002101 637 5,000 SH   SOLE   5,000 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 678 6,663 SH   SOLE   6,663 0 0
AMAZON COM INC COM 023135106 769 234 SH   SOLE   234 0 0
BROADMARK RLTY CAP INC COM 11135B100 789 80,000 SH   SOLE   80,000 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 814 6,935 SH   SOLE   6,935 0 0
ALPHABET INC CAP STK CL C 02079K107 880 330 SH   SOLE   330 0 0
ALPHABET INC CAP STK CL A 02079K305 896 335 SH   SOLE   335 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 982 5,799 SH   SOLE   5,799 0 0
EMERSON ELEC CO COM 291011104 1,182 12,550 SH   SOLE   12,550 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,461 3,392 SH   SOLE   3,392 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,737 5,986 SH   SOLE   5,986 0 0
S&P GLOBAL INC COM 78409V104 1,751 4,122 SH   SOLE   4,122 0 0
NIKE INC CL B 654106103 1,868 12,860 SH   SOLE   12,860 0 0
NEXTERA ENERGY INC COM 65339F101 1,884 24,000 SH   SOLE   24,000 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,514 16,368 SH   SOLE   16,368 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,517 44,693 SH   SOLE   44,693 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 3,562 26,316 SH   SOLE   26,316 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,125 47,993 SH   SOLE   47,993 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,382 40,130 SH   SOLE   40,130 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,528 44,418 SH   SOLE   44,418 0 0
APPLE INC COM 037833100 5,337 37,716 SH   SOLE   37,716 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 5,605 110,614 SH   SOLE   110,614 0 0
PRUDENTIAL FINL INC COM 744320102 6,213 59,061 SH   SOLE   59,061 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 6,235 208,042 SH   SOLE   208,042 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6,293 45,293 SH   SOLE   45,293 0 0
NORTHERN TR CORP COM 665859104 6,475 60,058 SH   SOLE   60,058 0 0
UNION PAC CORP COM 907818108 6,619 33,769 SH   SOLE   33,769 0 0
M & T BK CORP COM 55261F104 6,780 45,403 SH   SOLE   45,403 0 0
COMCAST CORP NEW CL A 20030N101 6,788 121,368 SH   SOLE   121,368 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 6,790 125,716 SH   SOLE   125,716 0 0
CHEVRON CORP NEW COM 166764100 7,254 71,501 SH   SOLE   71,501 0 0
DUPONT DE NEMOURS INC COM 26614N102 7,465 109,799 SH   SOLE   109,799 0 0
MERCK & CO INC COM 58933Y105 7,791 103,729 SH   SOLE   103,729 0 0
EXXON MOBIL CORP COM 30231G102 7,804 132,672 SH   SOLE   132,672 0 0
KROGER CO COM 501044101 7,948 196,596 SH   SOLE   196,596 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 8,248 159,350 SH   SOLE   159,350 0 0
JPMORGAN CHASE & CO COM 46625H100 8,896 54,349 SH   SOLE   54,349 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 9,392 158,728 SH   SOLE   158,728 0 0
PROCTER AND GAMBLE CO COM 742718109 9,412 67,328 SH   SOLE   67,328 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 9,417 250,716 SH   SOLE   250,716 0 0
MEDTRONIC PLC SHS G5960L103 9,513 75,889 SH   SOLE   75,889 0 0
PNC FINL SVCS GROUP INC COM 693475105 9,986 51,041 SH   SOLE   51,041 0 0
PEPSICO INC COM 713448108 9,998 66,471 SH   SOLE   66,471 0 0
JOHNSON & JOHNSON COM 478160104 10,135 62,755 SH   SOLE   62,755 0 0
MARSH & MCLENNAN COS INC COM 571748102 10,310 68,082 SH   SOLE   68,082 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 10,909 355,798 SH   SOLE   355,798 0 0
REPUBLIC SVCS INC COM 760759100 10,943 91,144 SH   SOLE   91,144 0 0
BECTON DICKINSON & CO COM 075887109 11,160 45,399 SH   SOLE   45,399 0 0
WALMART INC COM 931142103 11,719 84,081 SH   SOLE   84,081 0 0
TEXAS INSTRS INC COM 882508104 12,758 66,374 SH   SOLE   66,374 0 0
INTEL CORP COM 458140100 12,858 241,326 SH   SOLE   241,326 0 0
ISHARES TR MBS ETF 464288588 13,223 122,276 SH   SOLE   122,276 0 0
MCDONALDS CORP COM 580135101 13,879 57,563 SH   SOLE   57,563 0 0
CATERPILLAR INC COM 149123101 15,437 80,413 SH   SOLE   80,413 0 0
SCHWAB CHARLES CORP COM 808513105 15,581 213,907 SH   SOLE   213,907 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 16,887 224,138 SH   SOLE   224,138 0 0
BLACKROCK INC COM 09247X101 17,049 20,329 SH   SOLE   20,329 0 0
ISHARES TR CORE MSCI EAFE 46432F842 17,333 233,442 SH   SOLE   233,442 0 0
DEERE & CO COM 244199105 17,545 52,362 SH   SOLE   52,362 0 0
HOME DEPOT INC COM 437076102 17,902 54,537 SH   SOLE   54,537 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 22,672 533,080 SH   SOLE   533,080 0 0
MICROSOFT CORP COM 594918104 25,117 89,094 SH   SOLE   89,094 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 26,829 491,023 SH   SOLE   491,023 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 26,837 113,351 SH   SOLE   113,351 0 0
MISSION PRODUCE INC COM 60510V108 29,917 1,627,710 SH   SOLE   1,627,710 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 41,559 215,821 SH   SOLE   215,821 0 0