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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
Estimated average burden
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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   352,571 3,234 SH   SOLE   3,170 0 64
ABBVIE INC COM 00287Y109   494,999 3,674 SH   SOLE   3,674 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   275,550 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109   513,959 9,665 SH   SOLE   9,665 0 0
ALLSTATE CORP COM 020002101   549,650 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CAP STK CL C 02079K107   878,243 7,260 SH   SOLE   7,260 0 0
ALPHABET INC CAP STK CL A 02079K305   428,568 3,580 SH   SOLE   3,300 0 280
AMAZON COM INC COM 023135106   1,808,634 13,874 SH   SOLE   13,774 0 100
AMERICAN ELEC PWR CO INC COM 025537101   203,512 2,417 SH   SOLE   2,417 0 0
AMERISOURCEBERGEN CORP COM 03073E105   471,454 2,450 SH   SOLE   2,450 0 0
APPLE INC COM 037833100   4,867,673 25,095 SH   SOLE   24,629 0 466
AT&T INC COM 00206R102   327,360 20,524 SH   SOLE   20,524 0 0
BECTON DICKINSON & CO COM 075887109   12,205,006 46,229 SH   SOLE   46,129 0 100
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,888,117 5,537 SH   SOLE   5,537 0 0
BLACKROCK INC COM 09247X101   13,931,793 20,158 SH   SOLE   20,104 0 54
BOEING CO COM 097023105   385,317 1,825 SH   SOLE   1,825 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   10,127,305 158,363 SH   SOLE   158,021 0 342
CARRIER GLOBAL CORPORATION COM 14448C104   8,078,250 161,908 SH   SOLE   161,460 0 448
CATERPILLAR INC COM 149123101   19,755,836 80,292 SH   SOLE   80,091 0 201
CHEVRON CORP NEW COM 166764100   10,970,808 69,722 SH   SOLE   69,540 0 182
CISCO SYS INC COM 17275R102   309,923 5,990 SH   SOLE   5,990 0 0
COLGATE PALMOLIVE CO COM 194162103   664,085 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101   4,959,450 119,361 SH   SOLE   119,102 0 259
COSTCO WHSL CORP NEW COM 22160K105   1,421,673 2,641 SH   SOLE   2,574 0 67
CVS HEALTH CORP COM 126650100   6,506,447 94,119 SH   SOLE   93,915 0 204
DEERE & CO COM 244199105   20,035,093 49,295 SH   SOLE   49,196 0 99
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   332,914 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108   605,283 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM 254687106   230,254 2,579 SH   SOLE   2,579 0 0
DUPONT DE NEMOURS INC COM 26614N102   7,898,577 110,562 SH   SOLE   110,324 0 238
EMERSON ELEC CO COM 291011104   1,134,395 12,550 SH   SOLE   12,550 0 0
EXXON MOBIL CORP COM 30231G102   14,444,383 134,680 SH   SOLE   134,419 0 261
GABELLI CONV & INC SECS FD I COM 36240B109   43,000 10,000 SH   SOLE   10,000 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855   227,971 3,495 SH   SOLE   3,495 0 0
HOME DEPOT INC COM 437076102   16,855,300 54,260 SH   SOLE   54,097 0 163
INTERNATIONAL BUSINESS MACHS COM 459200101   6,070,547 45,367 SH   SOLE   45,272 0 95
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   8,385,662 272,262 SH   SOLE   269,513 81 2,668
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   23,140,021 151,678 SH   SOLE   150,749 20 909
INVESCO QQQ TR UNIT SER 1 46090E103   612,664 1,657 SH   SOLE   1,582 0 75
ISHARES SILVER TR ISHARES 46428Q109   230,313 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE MSCI EAFE 46432F842   18,453,665 273,388 SH   SOLE   271,630 37 1,721
ISHARES TR CORE S&P MCP ETF 464287507   459,421 1,757 SH   SOLE   1,757 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,836,748 48,537 SH   SOLE   48,468 0 69
ISHARES TR CORE S&P US GWT 464287671   14,024,229 143,632 SH   SOLE   142,289 32 1,311
ISHARES TR CORE S&P500 ETF 464287200   5,136,437 11,524 SH   SOLE   11,344 0 180
ISHARES TR EAFE SML CP ETF 464288273   416,812 7,067 SH   SOLE   7,067 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   30,664,918 611,220 SH   SOLE   606,234 62 4,924
ISHARES TR JPMORGAN USD EMG 464288281   264,388 3,055 SH   SOLE   3,055 0 0
ISHARES TR MBS ETF 464288588   570,501 6,117 SH   SOLE   6,117 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   16,792,055 248,771 SH   SOLE   247,050 36 1,685
ISHARES TR PFD AND INCM SEC 464288687   471,466 15,243 SH   SOLE   15,243 0 0
ISHARES TR TIPS BD ETF 464287176   396,407 3,683 SH   SOLE   3,683 0 0
ISHARES TR U.S. MED DVC ETF 464288810   614,568 10,885 SH   SOLE   10,858 0 27
ISHARES TR US TREAS BD ETF 46429B267   14,669,760 640,601 SH   SOLE   635,195 68 5,338
JOHNSON & JOHNSON COM 478160104   9,336,290 56,406 SH   SOLE   56,289 0 117
JPMORGAN CHASE & CO COM 46625H100   7,742,415 53,234 SH   SOLE   53,074 0 160
KROGER CO COM 501044101   9,479,989 201,702 SH   SOLE   201,260 0 442
LOWES COS INC COM 548661107   687,386 3,046 SH   SOLE   3,046 0 0
M & T BK CORP COM 55261F104   5,607,828 45,312 SH   SOLE   45,214 0 98
MCDONALDS CORP COM 580135101   17,490,573 58,613 SH   SOLE   58,493 0 120
MEDTRONIC PLC SHS G5960L103   6,745,656 75,976 SH   SOLE   75,814 0 162
MERCK & CO INC COM 58933Y105   11,787,246 101,512 SH   SOLE   101,233 0 279
MICROSOFT CORP COM 594918104   27,111,273 79,613 SH   SOLE   79,284 0 329
MISSION PRODUCE INC COM 60510V108   2,578,530 212,750 SH   SOLE   212,750 0 0
NEXTERA ENERGY INC COM 65339F101   1,944,040 26,200 SH   SOLE   26,200 0 0
NIKE INC CL B 654106103   11,795,129 106,548 SH   SOLE   106,284 0 264
NORTHERN TR CORP COM 665859104   4,469,816 59,700 SH   SOLE   59,572 0 128
NUVEEN AMT FREE QLTY MUN INC COM 670657105   117,819 10,745 SH   SOLE   10,745 0 0
NVIDIA CORPORATION COM 67066G104   326,149 771 SH   SOLE   700 0 71
PEPSICO INC COM 713448108   12,785,726 69,030 SH   SOLE   68,896 0 134
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   984,432 9,868 SH   SOLE   9,868 0 0
PNC FINL SVCS GROUP INC COM 693475105   6,460,920 51,297 SH   SOLE   51,188 0 109
PROCTER AND GAMBLE CO COM 742718109   10,381,724 68,418 SH   SOLE   68,278 0 140
PROSHARES TR HD REPLICATION 74347X294   400,775 8,287 SH   SOLE   8,121 0 166
PROSHARES TR S&P 500 DV ARIST 74348A467   2,205,118 23,389 SH   SOLE   23,107 0 282
RAYTHEON TECHNOLOGIES CORP COM 75513E101   6,881,616 70,249 SH   SOLE   70,026 0 223
REPUBLIC SVCS INC COM 760759100   13,710,723 89,226 SH   SOLE   89,044 0 182
S&P GLOBAL INC COM 78409V104   1,639,687 4,090 SH   SOLE   4,090 0 0
SCHWAB CHARLES CORP COM 808513105   11,933,207 210,536 SH   SOLE   210,075 0 461
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,365,713 27,071 SH   SOLE   25,318 0 1,753
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   607,733 22,702 SH   SOLE   21,696 0 1,006
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,122,400 34,760 SH   SOLE   33,602 0 1,158
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   1,423,043 42,876 SH   SOLE   41,820 0 1,056
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   938,521 20,332 SH   SOLE   20,332 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,637,958 36,325 SH   SOLE   36,325 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   923,967 17,643 SH   SOLE   17,283 0 360
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,748,876 62,760 SH   SOLE   60,884 0 1,876
SCHWAB STRATEGIC TR US TIPS ETF 808524870   393,802 7,511 SH   SOLE   7,511 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   255,216 3,900 SH   SOLE   3,900 0 0
SPDR GOLD TR GOLD SHS 78463V107   502,365 2,818 SH   SOLE   2,818 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   21,403,788 622,565 SH   SOLE   617,088 91 5,386
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,100,266 2,473 SH   SOLE   2,473 0 0
STARBUCKS CORP COM 855244109   1,109,869 11,204 SH   SOLE   11,137 0 67
TESLA INC COM 88160R101   686,623 2,623 SH   SOLE   2,623 0 0
TEXAS INSTRS INC COM 882508104   11,853,257 65,844 SH   SOLE   65,705 0 139
UNION PAC CORP COM 907818108   6,976,284 34,094 SH   SOLE   34,002 0 92
UNITED PARCEL SERVICE INC CL B 911312106   366,387 2,044 SH   SOLE   2,044 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,335,481 286,991 SH   SOLE   284,530 40 2,421
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,838,644 64,318 SH   SOLE   64,297 0 21
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   13,617,123 180,192 SH   SOLE   178,859 14 1,319
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,267,917 31,200 SH   SOLE   30,703 0 497
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   1,141,889 23,228 SH   SOLE   23,228 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   848,725 17,363 SH   SOLE   17,363 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   260,278 1,743 SH   SOLE   1,743 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,718,114 9,606 SH   SOLE   9,606 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   23,242,523 105,571 SH   SOLE   104,401 22 1,148
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,425,845 16,884 SH   SOLE   16,884 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   841,225 5,086 SH   SOLE   5,086 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   312,217 1,359 SH   SOLE   1,359 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,261,157 23,884 SH   SOLE   23,850 0 34
VANGUARD INDEX FDS VALUE ETF 922908744   7,315,929 51,484 SH   SOLE   49,169 0 2,315
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,185,182 53,716 SH   SOLE   52,909 0 807
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,404,944 59,839 SH   SOLE   58,904 0 935
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   972,600 10,029 SH   SOLE   9,555 0 474
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   797,212 17,334 SH   SOLE   17,334 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   636,679 8,415 SH   SOLE   8,415 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,910,945 17,836 SH   SOLE   17,836 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,737,973 59,289 SH   SOLE   58,455 0 834
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   437,751 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   263,161 4,955 SH   SOLE   4,955 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   9,727,687 261,567 SH   SOLE   261,006 0 561
VISA INC COM CL A 92826C839   290,201 1,222 SH   SOLE   1,174 0 48
WALMART INC COM 931142103   13,184,698 83,883 SH   SOLE   83,654 0 229
WASHINGTON FED INC COM 938824109   419,865 15,832 SH   SOLE   15,832 0 0
WELLS FARGO CO NEW COM 949746101   343,446 8,047 SH   SOLE   8,047 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   580,943 9,356 SH   SOLE   9,168 0 188