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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   368,785 3,359 SH   SOLE   3,359 0 0
ABBVIE INC COM 00287Y109   355,704 2,201 SH   SOLE   2,201 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   262,050 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109   427,275 9,951 SH   SOLE   9,951 0 0
ALASKA AIR GROUP INC COM 011659109   12,882 300 PRN Call SOLE   0 0 0
ALLIANT ENERGY CORP COM 018802108   248,445 4,500 SH   SOLE   4,500 0 0
ALLSTATE CORP COM 020002101   682,250 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CAP STK CL C 02079K107   658,377 7,420 SH   SOLE   7,420 0 0
ALPHABET INC CAP STK CL A 02079K305   296,483 3,360 SH   SOLE   3,360 0 0
AMAZON COM INC COM 023135106   1,216,920 14,487 SH   SOLE   14,479 0 8
AMERICAN ELEC PWR CO INC COM 025537101   235,666 2,482 SH   SOLE   2,482 0 0
AMERISOURCEBERGEN CORP COM 03073E105   412,784 2,491 SH   SOLE   2,491 0 0
APPLE INC COM 037833100   3,468,641 26,696 SH   SOLE   26,597 0 99
AT&T INC COM 00206R102   428,799 23,292 SH   SOLE   23,292 0 0
BECTON DICKINSON & CO COM 075887109   11,679,695 45,929 SH   SOLE   45,929 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,726,133 5,588 SH   SOLE   5,588 0 0
BLACKROCK INC COM 09247X101   14,427,243 20,359 SH   SOLE   20,359 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   11,642,908 161,819 SH   SOLE   161,819 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   6,684,383 161,325 SH   SOLE   161,325 0 0
CATERPILLAR INC COM 149123101   19,451,219 81,196 SH   SOLE   81,196 0 0
CHEVRON CORP NEW COM 166764100   12,443,543 69,327 SH   SOLE   69,327 0 0
CISCO SYS INC COM 17275R102   285,364 5,990 SH   SOLE   5,990 0 0
COLGATE PALMOLIVE CO COM 194162103   679,170 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101   4,102,575 117,317 SH   SOLE   117,317 0 0
COSTCO WHSL CORP NEW COM 22160K105   874,410 1,915 SH   SOLE   1,915 0 0
DEERE & CO COM 244199105   22,103,777 51,409 SH   SOLE   51,409 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   297,721 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108   506,759 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM 254687106   238,136 2,741 SH   SOLE   2,741 0 0
DUPONT DE NEMOURS INC COM 26614N102   7,539,509 109,857 SH   SOLE   109,857 0 0
EMERSON ELEC CO COM 291011104   1,205,553 12,550 SH   SOLE   12,550 0 0
EXXON MOBIL CORP COM 30231G102   14,855,102 134,679 SH   SOLE   134,679 0 0
GABELLI CONV & INC SECS FD I COM 36240B109   48,000 10,000 SH   SOLE   10,000 0 0
GENERAL MLS INC COM 370334104   200,905 2,396 SH   SOLE   2,396 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   216,699 3,665 SH   SOLE   3,665 0 0
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230   2,056,586 41,360 SH   SOLE   41,360 0 0
HOME DEPOT INC COM 437076102   17,388,735 55,052 SH   SOLE   55,052 0 0
INTEL CORP COM 458140100   6,122,533 231,651 SH   SOLE   231,651 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   6,382,631 45,302 SH   SOLE   45,302 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   200,735 1,900 SH   SOLE   1,900 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   8,836,042 298,313 SH   SOLE   297,290 0 1,023
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   220,258 8,567 SH   SOLE   8,567 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   35,754,863 235,834 SH   SOLE   235,123 0 711
INVESCO QQQ TR UNIT SER 1 46090E103   475,580 1,786 SH   SOLE   1,786 0 0
ISHARES SILVER TR ISHARES 46428Q109   242,770 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE MSCI EAFE 46432F842   18,195,472 295,189 SH   SOLE   294,088 0 1,101
ISHARES TR CORE S&P MCP ETF 464287507   436,611 1,805 SH   SOLE   1,805 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,906,984 51,849 SH   SOLE   51,317 0 532
ISHARES TR CORE S&P500 ETF 464287200   5,174,167 13,467 SH   SOLE   13,402 0 65
ISHARES TR EAFE SML CP ETF 464288273   320,580 5,676 SH   SOLE   5,676 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   32,453,015 651,405 SH   SOLE   647,521 0 3,884
ISHARES TR JPMORGAN USD EMG 464288281   201,399 2,381 SH   SOLE   2,381 0 0
ISHARES TR MBS ETF 464288588   15,004,176 161,770 SH   SOLE   160,755 0 1,015
ISHARES TR MSCI EAFE MIN VL 46429B689   17,177,902 270,156 SH   SOLE   269,401 0 755
ISHARES TR PFD AND INCM SEC 464288687   510,575 16,724 SH   SOLE   16,724 0 0
ISHARES TR TIPS BD ETF 464287176   557,151 5,234 SH   SOLE   5,234 0 0
ISHARES TR U.S. MED DVC ETF 464288810   649,660 12,358 SH   SOLE   12,358 0 0
ISHARES TR US TREAS BD ETF 46429B267   433,282 19,071 SH   SOLE   19,071 0 0
JOHNSON & JOHNSON COM 478160104   10,317,106 58,404 SH   SOLE   58,404 0 0
JPMORGAN CHASE & CO COM 46625H100   7,252,201 54,081 SH   SOLE   54,081 0 0
KROGER CO COM 501044101   8,892,087 199,464 SH   SOLE   199,464 0 0
LOWES COS INC COM 548661107   607,700 3,050 SH   SOLE   3,050 0 0
M & T BK CORP COM 55261F104   6,539,787 45,083 SH   SOLE   45,083 0 0
MCDONALDS CORP COM 580135101   15,528,190 58,924 SH   SOLE   58,924 0 0
MEDTRONIC PLC SHS G5960L103   5,928,808 75,625 SH   SOLE   75,625 0 0
MERCK & CO INC COM 58933Y105   11,756,279 105,270 SH   SOLE   105,270 0 0
MICROSOFT CORP COM 594918104   18,786,851 78,337 SH   SOLE   78,337 0 0
MISSION PRODUCE INC COM 60510V108   2,626,503 226,033 SH   SOLE   226,033 0 0
NEXTERA ENERGY INC COM 65339F101   2,190,320 26,200 SH   SOLE   26,200 0 0
NIKE INC CL B 654106103   12,235,736 104,570 SH   SOLE   104,570 0 0
NORTHERN TR CORP COM 665859104   5,308,647 59,498 SH   SOLE   59,498 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105   122,171 10,745 SH   SOLE   10,745 0 0
PEPSICO INC COM 713448108   12,638,348 69,522 SH   SOLE   69,522 0 0
PFIZER INC COM 717081103   287,610 5,613 SH   SOLE   5,613 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   1,139,359 11,511 SH   SOLE   11,511 0 0
PNC FINL SVCS GROUP INC COM 693475105   8,059,310 51,028 SH   SOLE   51,028 0 0
PROCTER AND GAMBLE CO COM 742718109   10,541,178 69,551 SH   SOLE   69,551 0 0
PROSHARES TR HD REPLICATION 74347X294   396,066 8,422 SH   SOLE   8,422 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467   1,892,449 21,030 SH   SOLE   20,905 0 125
RAYTHEON TECHNOLOGIES CORP COM 75513E101   7,110,754 70,459 SH   SOLE   70,459 0 0
REPUBLIC SVCS INC COM 760759100   11,899,164 91,897 SH   SOLE   91,897 0 0
S&P GLOBAL INC COM 78409V104   1,368,128 4,085 SH   SOLE   4,085 0 0
SCHWAB CHARLES CORP COM 808513105   17,406,443 209,061 SH   SOLE   209,061 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,161,039 24,851 SH   SOLE   24,494 0 357
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   522,761 21,096 SH   SOLE   20,745 0 351
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   975,814 33,568 SH   SOLE   33,002 0 566
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   1,256,494 40,195 SH   SOLE   39,516 0 679
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   923,867 20,238 SH   SOLE   20,238 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,373,395 31,419 SH   SOLE   31,419 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   782,312 17,327 SH   SOLE   17,327 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,287,024 56,456 SH   SOLE   55,590 0 866
SCHWAB STRATEGIC TR US TIPS ETF 808524870   425,248 8,211 SH   SOLE   8,211 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   274,950 3,900 SH   SOLE   3,900 0 0
SPDR GOLD TR GOLD SHS 78463V107   753,103 4,439 SH   SOLE   4,439 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   21,059,425 638,939 SH   SOLE   635,927 0 3,012
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,117,664 2,909 SH   SOLE   2,909 0 0
STARBUCKS CORP COM 855244109   1,104,790 11,137 SH   SOLE   11,137 0 0
TESLA INC COM 88160R101   339,730 2,758 SH   SOLE   2,758 0 0
TEXAS INSTRS INC COM 882508104   10,815,465 65,461 SH   SOLE   65,461 0 0
UNION PAC CORP COM 907818108   7,016,749 33,886 SH   SOLE   33,886 0 0
UNITED PARCEL SERVICE INC CL B 911312106   390,097 2,244 SH   SOLE   2,244 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,619,387 314,461 SH   SOLE   313,049 0 1,412
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,858,882 184,098 SH   SOLE   182,812 0 1,286
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,933,592 26,915 SH   SOLE   26,915 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,062,479 21,683 SH   SOLE   21,683 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,145,631 42,325 SH   SOLE   42,325 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   737,149 15,542 SH   SOLE   15,542 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   239,148 1,800 SH   SOLE   1,800 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,052,249 9,630 SH   SOLE   9,630 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   23,811,563 116,832 SH   SOLE   116,474 0 358
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,406,130 17,048 SH   SOLE   17,048 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   871,653 5,489 SH   SOLE   5,489 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   282,561 1,409 SH   SOLE   1,409 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   4,835,256 25,290 SH   SOLE   25,290 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   7,023,154 50,033 SH   SOLE   47,899 0 2,134
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,407,691 58,241 SH   SOLE   57,712 0 529
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   769,519 8,928 SH   SOLE   8,928 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,179,510 55,914 SH   SOLE   55,379 0 535
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,056,735 23,215 SH   SOLE   23,215 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   858,294 11,415 SH   SOLE   11,415 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,617,780 17,239 SH   SOLE   17,239 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,316,473 55,194 SH   SOLE   54,360 0 834
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   446,583 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   254,509 5,174 SH   SOLE   5,174 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   450,304 3,713 SH   SOLE   3,713 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   10,425,436 264,605 SH   SOLE   264,605 0 0
VISA INC COM CL A 92826C839   268,841 1,294 SH   SOLE   1,294 0 0
WALMART INC COM 931142103   12,013,165 84,399 SH   SOLE   84,399 0 0
WASHINGTON FED INC COM 938824109   531,164 15,832 SH   SOLE   15,832 0 0
WELLS FARGO CO NEW COM 949746101   332,261 8,047 SH   SOLE   8,047 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   850,570 14,024 SH   SOLE   14,024 0 0