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
ABBOTT LABS COM 002824100 443 4,576 SH   SOLE   4,576 0 0
ABBVIE INC COM 00287Y109 295 2,201 SH   SOLE   2,201 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104 239 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109 12 300 PRN Call SOLE   0 0 0
ALASKA AIR GROUP INC COM 011659109 393 10,051 SH   SOLE   10,051 0 0
ALLIANT ENERGY CORP COM 018802108 238 4,500 SH   SOLE   4,500 0 0
ALLSTATE CORP COM 020002101 627 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CAP STK CL C 02079K107 733 7,620 SH   SOLE   7,620 0 0
ALPHABET INC CAP STK CL A 02079K305 321 3,360 SH   SOLE   3,360 0 0
AMAZON COM INC COM 023135106 8 68 SH   OTR   0 0 68
AMAZON COM INC COM 023135106 1,566 13,862 SH   SOLE   13,862 0 0
AMERICAN ELEC PWR CO INC COM 025537101 215 2,482 SH   SOLE   2,482 0 0
AMERISOURCEBERGEN CORP COM 03073E105 348 2,575 SH   SOLE   2,575 0 0
APPLE INC COM 037833100 3,745 27,100 SH   SOLE   27,001 0 99
AT&T INC COM 00206R102 355 23,155 SH   SOLE   23,155 0 0
BECTON DICKINSON & CO COM 075887109 10,634 47,724 SH   SOLE   47,713 0 11
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,511 5,658 SH   SOLE   5,658 0 0
BLACKROCK INC COM 09247X101 11,690 21,244 SH   SOLE   21,239 0 5
BRISTOL-MYERS SQUIBB CO COM 110122108 11,917 167,629 SH   SOLE   167,594 0 35
CARRIER GLOBAL CORPORATION COM 14448C104 5,952 167,369 SH   SOLE   167,335 0 34
CATERPILLAR INC COM 149123101 13,682 83,384 SH   SOLE   83,368 0 16
CHEVRON CORP NEW COM 166764100 10,438 72,655 SH   SOLE   72,637 0 18
CISCO SYS INC COM 17275R102 240 5,990 SH   SOLE   5,990 0 0
COLGATE PALMOLIVE CO COM 194162103 606 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101 3,707 126,383 SH   SOLE   126,347 0 36
COSTCO WHSL CORP NEW COM 22160K105 939 1,989 SH   SOLE   1,989 0 0
DEERE & CO COM 244199105 18,209 54,352 SH   SOLE   54,339 0 13
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 273 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108 471 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM 254687106 296 3,136 SH   SOLE   3,136 0 0
DUPONT DE NEMOURS INC COM 26614N102 5,771 114,500 SH   SOLE   114,478 0 22
EMERSON ELEC CO COM 291011104 919 12,550 SH   SOLE   12,550 0 0
EXXON MOBIL CORP COM 30231G102 11,989 137,318 SH   SOLE   137,286 0 32
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 242 3,665 SH   SOLE   3,665 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 2,247 45,213 SH   SOLE   45,213 0 0
HOME DEPOT INC COM 437076102 15,813 57,307 SH   SOLE   57,293 0 14
INTEL CORP COM 458140100 6,515 252,796 SH   SOLE   252,744 0 52
INTERNATIONAL BUSINESS MACHS COM 459200101 5,572 46,899 SH   SOLE   46,886 0 13
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 7,760 303,002 SH   SOLE   302,056 0 946
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 246 9,587 SH   SOLE   9,587 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 34,624 239,516 SH   SOLE   238,767 0 749
INVESCO QQQ TR UNIT SER 1 46090E103 505 1,885 SH   SOLE   1,885 0 0
ISHARES SILVER TR ISHARES 46428Q109 193 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE MSCI EAFE 46432F842 15,623 296,625 SH   SOLE   295,435 0 1,190
ISHARES TR CORE S&P MCP ETF 464287507 264 1,204 SH   SOLE   1,204 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,427 50,775 SH   SOLE   50,347 0 428
ISHARES TR CORE S&P SCP ETF 464287804 27 308 SH   OTR   0 0 308
ISHARES TR CORE S&P500 ETF 464287200 4,916 13,706 SH   SOLE   13,447 0 259
ISHARES TR CORE S&P500 ETF 464287200 495 1,380 SH   OTR   0 0 1,380
ISHARES TR ISHS 1-5YR INVS 464288646 32,268 654,792 SH   SOLE   649,897 0 4,895
ISHARES TR MBS ETF 464288588 14,789 161,489 SH   SOLE   160,221 0 1,268
ISHARES TR MSCI EAFE MIN VL 46429B689 15,263 267,724 SH   SOLE   266,881 0 843
ISHARES TR PFD AND INCM SEC 464288687 554 17,500 SH   SOLE   17,500 0 0
ISHARES TR TIPS BD ETF 464287176 935 8,916 SH   SOLE   8,916 0 0
ISHARES TR U.S. MED DVC ETF 464288810 596 12,628 SH   SOLE   12,628 0 0
JOHNSON & JOHNSON COM 478160104 9,950 60,908 SH   SOLE   60,891 0 17
JPMORGAN CHASE & CO COM 46625H100 5,889 56,358 SH   SOLE   56,346 0 12
KROGER CO COM 501044101 9,066 207,219 SH   SOLE   207,163 0 56
LOWES COS INC COM 548661107 573 3,050 SH   SOLE   3,050 0 0
M & T BK CORP COM 55261F104 8,295 47,043 SH   SOLE   47,034 0 9
MARSH & MCLENNAN COS INC COM 571748102 10,692 71,621 SH   SOLE   71,605 0 16
MCDONALDS CORP COM 580135101 14,297 61,961 SH   SOLE   61,947 0 14
MEDTRONIC PLC SHS G5960L103 6,447 79,180 SH   SOLE   79,163 0 17
MERCK & CO INC COM 58933Y105 9,479 109,246 SH   SOLE   109,214 0 32
MICROSOFT CORP COM 594918104 19,063 81,852 SH   SOLE   81,835 0 17
MISSION PRODUCE INC COM 60510V108 3,096 214,100 SH   SOLE   214,100 0 0
NEXTERA ENERGY INC COM 65339F101 2,054 26,200 SH   SOLE   26,200 0 0
NIKE INC CL B 654106103 889 10,660 SH   SOLE   10,660 0 0
NORTHERN TR CORP COM 665859104 5,343 61,939 SH   SOLE   61,921 0 18
PEPSICO INC COM 713448108 11,758 72,021 SH   SOLE   72,002 0 19
PFIZER INC COM 717081103 253 5,781 SH   SOLE   5,781 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,608 16,268 SH   SOLE   16,268 0 0
PNC FINL SVCS GROUP INC COM 693475105 7,913 52,958 SH   SOLE   52,947 0 11
PROCTER AND GAMBLE CO COM 742718109 9,144 72,429 SH   SOLE   72,409 0 20
PROSHARES TR HD REPLICATION 74347X294 386 8,577 SH   SOLE   8,577 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 1,648 20,609 SH   SOLE   20,074 0 535
PROSHARES TR S&P 500 DV ARIST 74348A467 223 2,793 SH   OTR   0 0 2,793
PRUDENTIAL FINL INC COM 744320102 271 3,154 SH   SOLE   3,154 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,079 49,832 SH   SOLE   49,818 0 14
REPUBLIC SVCS INC COM 760759100 13,091 95,880 SH   SOLE   95,859 0 21
S&P GLOBAL INC COM 78409V104 1,247 4,085 SH   SOLE   4,085 0 0
SCHWAB CHARLES CORP COM 808513105 15,666 217,979 SH   SOLE   217,922 0 57
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,110 26,109 SH   SOLE   25,415 0 694
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 113 2,657 SH   OTR   0 0 2,657
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 493 21,022 SH   SOLE   20,318 0 704
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 59 2,511 SH   OTR   0 0 2,511
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 851 33,823 SH   SOLE   32,694 0 1,129
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 99 3,946 SH   OTR   0 0 3,946
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 1,197 44,021 SH   SOLE   42,655 0 1,366
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 119 4,383 SH   OTR   0 0 4,383
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 555 12,248 SH   SOLE   12,248 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 2,062 31,046 SH   SOLE   31,046 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 476 11,232 SH   SOLE   11,232 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 34 799 SH   OTR   0 0 799
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,148 56,832 SH   SOLE   55,553 0 1,279
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 110 2,906 SH   OTR   0 0 2,906
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 255 3,900 SH   SOLE   3,900 0 0
SPDR GOLD TR GOLD SHS 78463V107 689 4,455 SH   SOLE   4,455 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 19,848 639,423 SH   SOLE   636,198 0 3,225
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,041 2,901 SH   SOLE   2,901 0 0
STARBUCKS CORP COM 855244109 1,038 12,318 SH   SOLE   12,318 0 0
TESLA INC COM 88160R101 3 10 SH   OTR   0 0 10
TESLA INC COM 88160R101 649 2,448 SH   SOLE   2,448 0 0
TEXAS INSTRS INC COM 882508104 10,669 68,933 SH   SOLE   68,918 0 15
UNION PAC CORP COM 907818108 6,874 35,286 SH   SOLE   35,276 0 10
UNITED PARCEL SERVICE INC CL B 911312106 362 2,244 SH   SOLE   2,244 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 7,078 310,441 SH   SOLE   308,742 0 1,699
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,444 179,681 SH   SOLE   178,045 0 1,636
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,217 31,077 SH   SOLE   31,077 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 1,013 20,700 SH   SOLE   20,700 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,021 13,895 SH   SOLE   13,895 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,592 7,440 SH   SOLE   7,440 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 22,813 121,361 SH   SOLE   121,032 0 329
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,339 16,698 SH   SOLE   16,542 0 156
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 103 1,291 SH   OTR   0 0 1,291
VANGUARD INDEX FDS SM CP VAL ETF 922908611 787 5,489 SH   SOLE   5,489 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 275 1,409 SH   SOLE   1,409 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,608 25,673 SH   SOLE   25,673 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 5,155 41,747 SH   SOLE   39,544 0 2,203
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 130 3,551 SH   OTR   0 0 3,551
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,274 59,599 SH   SOLE   59,026 0 573
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 35 910 SH   OTR   0 0 910
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 616 7,815 SH   SOLE   7,815 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,625 44,544 SH   SOLE   43,476 0 1,068
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 1,079 23,933 SH   SOLE   23,933 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,235 16,538 SH   SOLE   16,538 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 199 5,475 SH   OTR   0 0 5,475
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,030 55,828 SH   SOLE   54,149 0 1,679
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 392 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 244 5,607 SH   SOLE   5,607 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 10,154 267,415 SH   SOLE   267,336 0 79
VISA INC COM CL A 92826C839 233 1,309 SH   SOLE   1,309 0 0
WALMART INC COM 931142103 11,437 88,177 SH   SOLE   88,158 0 19
WASHINGTON FED INC COM 938824109 475 15,832 SH   SOLE   15,832 0 0
WELLS FARGO CO NEW COM 949746101 324 8,047 SH   SOLE   8,047 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 773 14,248 SH   SOLE   14,248 0 0