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
Nuveen CA AMT-Free Quality Mun COM 670651108 184 11,613 SH   SOLE   11,613 0 0
iShares TIPS Bond ETF COM 464287176 719 5,564 SH   SOLE   5,282 0 282
iShares Core US Aggregate Bond COM 464287226 520 4,562 SH   SOLE   4,562 0 0
iShares Intermediate Govt/Cred COM 464288612 5,389 47,378 SH   SOLE   45,720 0 1,658
SPDR Short Term Corporate Bond COM 78464A474 1,969 63,570 SH   SOLE   62,670 0 900
Vanguard Total Bond Market ETF COM 921937835 584 6,890 SH   SOLE   6,890 0 0
3M COM 88579Y101 892 5,022 SH   SOLE   5,022 0 0
AbbVie COM 00287Y109 296 2,190 SH   SOLE   2,190 0 0
Accenture Ltd. Cl A COM G1151C101 11,307 27,276 SH   SOLE   25,862 0 1,414
Adobe COM 00724F101 18,748 33,061 SH   SOLE   31,366 0 1,695
Align Technology COM 016255101 378 575 SH   SOLE   575 0 0
Alphabet COM 02079K305 37,940 13,096 SH   SOLE   12,225 0 871
Alphabet Cl C COM 02079K107 30,747 10,626 SH   SOLE   9,828 0 798
Amazon.com COM 023135106 81,808 24,535 SH   SOLE   22,954 0 1,581
American Tower COM 03027X100 17,533 59,942 SH   SOLE   55,324 0 4,618
Amgen COM 031162100 8,506 37,808 SH   SOLE   34,918 0 2,890
Apple COM 037833100 124,681 702,151 SH   SOLE   651,829 0 50,322
Applied Materials COM 038222105 13,653 86,764 SH   SOLE   81,848 0 4,916
Autodesk COM 052769106 412 1,465 SH   SOLE   1,464 0 1
Automatic Data Processing COM 053015103 2,094 8,491 SH   SOLE   8,441 0 50
AutoZone COM 053332102 214 102 SH   SOLE   102 0 0
Ball COM 058498106 7,215 74,948 SH   SOLE   70,011 0 4,937
Becton Dickinson COM 075887109 266 1,056 SH   SOLE   1,056 0 0
Booking Holdings COM 09857l108 13,551 5,648 SH   SOLE   5,131 0 517
Bristol-Myers Squibb COM 110122108 433 6,942 SH   SOLE   6,942 0 0
Canadian Pacific Railway LTD COM 13645t100 201 2,800 SH   SOLE   2,800 0 0
Chipotle Mexican Grill COM 169656105 7,385 4,224 SH   SOLE   3,951 0 273
Cognex COM 192422103 5,621 72,281 SH   SOLE   68,532 0 3,749
Constellation Brands COM 21036P108 525 2,091 SH   SOLE   2,089 0 2
CoStar Group COM 22160n109 13,127 166,107 SH   SOLE   158,368 0 7,739
Costco Wholesale COM 22160K105 44,132 77,738 SH   SOLE   72,288 0 5,450
Ecolab COM 278865100 22,442 95,665 SH   SOLE   87,788 0 7,877
Eli Lilly COM 532457108 25,706 93,065 SH   SOLE   85,471 0 7,594
EPAM Systems COM 29414b104 3,008 4,500 SH   SOLE   4,500 0 0
Equinix COM 29444U700 18,384 21,735 SH   SOLE   20,096 0 1,639
Estee Lauder COM 518439104 19,299 52,132 SH   SOLE   48,844 0 3,288
Fiserv COM 337738108 231 2,225 SH   SOLE   2,225 0 0
Fortinet COM 34959E109 297 825 SH   SOLE   825 0 0
Gilead Sciences COM 375558103 478 6,579 SH   SOLE   6,579 0 0
Home Depot COM 437076102 34,475 83,070 SH   SOLE   76,032 0 7,038
iShares Russell 1000 Growth In COM 464287614 26,158 85,599 SH   SOLE   84,164 0 1,435
iShares Russell 1000 Index ETF COM 464287622 8,584 32,461 SH   SOLE   29,176 0 3,285
Keysight Technologies COM 49338l103 202 980 SH   SOLE   980 0 0
Lockheed Martin COM 539830109 206 580 SH   SOLE   580 0 0
Lowe's COM 548661107 523 2,022 SH   SOLE   2,022 0 0
Marriott International Cl A COM 571903202 254 1,535 SH   SOLE   1,285 0 250
MasterCard COM 57636Q104 509 1,417 SH   SOLE   1,417 0 0
Meta Platforms COM 30303M102 32,953 97,973 SH   SOLE   91,440 0 6,533
Microsoft COM 594918104 139,274 414,111 SH   SOLE   382,281 0 31,830
Netflix COM 64110L106 26,854 44,575 SH   SOLE   41,019 0 3,556
NIKE Class B COM 654106103 10,227 61,364 SH   SOLE   58,257 0 3,107
NVIDIA COM 67066G104 43,117 146,600 SH   SOLE   137,105 0 9,495
Oracle COM 68389X105 485 5,564 SH   SOLE   5,564 0 0
PACCAR COM 693718108 720 8,154 SH   SOLE   4,234 0 3,920
Palo Alto Networks COM 697435105 21,407 38,450 SH   SOLE   35,603 0 2,847
Paychex COM 704326107 221 1,622 SH   SOLE   1,622 0 0
PayPal Holdings COM 70450Y103 28,031 148,641 SH   SOLE   137,810 0 10,831
PepsiCo COM 713448108 15,841 91,190 SH   SOLE   83,094 0 8,096
Salesforce.com COM 79466L302 27,992 110,147 SH   SOLE   101,827 0 8,320
Schwab U.S. Large-Cap Growth E COM 808524300 563 3,441 SH   SOLE   3,441 0 0
Seattle Genetics COM 81181c104 301 1,950 SH   SOLE   1,950 0 0
ServiceNow COM 81762P102 29,857 45,997 SH   SOLE   43,523 0 2,474
Sherwin-Williams COM 824348106 17,286 49,085 SH   SOLE   46,435 0 2,650
Starbucks COM 855244109 4,269 36,498 SH   SOLE   33,493 0 3,005
Stryker COM 863667101 14,018 52,418 SH   SOLE   48,064 0 4,354
Synopsys COM 871607107 7,914 21,477 SH   SOLE   20,188 0 1,289
Sysco COM 871829107 2,252 28,669 SH   SOLE   27,269 0 1,400
T. Rowe Price Group COM 74144t108 281 1,428 SH   SOLE   1,428 0 0
Technology Select Sector SPDR COM 81369Y803 439 2,524 SH   SOLE   2,524 0 0
Tesla Motors COM 88160R101 495 468 SH   SOLE   458 0 10
Thermo Fisher Scientific COM 883556102 38,187 57,232 SH   SOLE   52,711 0 4,521
Trilogy International Partners COM 89621t108 19 10,000 SH   SOLE   10,000 0 0
United Parcel Service COM 911312106 6,777 31,616 SH   SOLE   29,974 0 1,642
UnitedHealth Group COM 91324P102 22,139 44,088 SH   SOLE   40,179 0 3,909
Vanguard Growth ETF COM 922908736 385 1,199 SH   SOLE   1,199 0 0
Vanguard Russell 1000 Growth I COM 92206c680 1,272 16,196 SH   SOLE   14,909 0 1,287
Veeva Systems COM 922475108 206 805 SH   SOLE   805 0 0
Verisk Analytics COM 92345y106 8,249 36,066 SH   SOLE   34,352 0 1,714
VISA Class A COM 92826C839 37,624 173,616 SH   SOLE   161,364 0 12,252
Zoetis COM 98978V103 15,286 62,640 SH   SOLE   58,391 0 4,249
Abbott Labs COM 002824100 13,102 93,092 SH   SOLE   87,972 0 5,120
Ally Financial COM 02005n100 8,603 180,689 SH   SOLE   172,091 0 8,598
Aptiv COM G6095L109 19,339 117,244 SH   SOLE   109,731 0 7,513
AT&T COM 00206R102 224 9,106 SH   SOLE   8,315 0 791
Bank of America COM 060505104 25,211 566,674 SH   SOLE   535,811 0 30,863
Berkshire Hathaway B COM 084670702 29,459 98,525 SH   SOLE   90,914 0 7,611
BlackRock COM 09247X101 707 772 SH   SOLE   772 0 0
Boeing COM 097023105 9,685 48,105 SH   SOLE   44,252 0 3,853
Broadcom COM 11135F101 429 644 SH   SOLE   644 0 0
Caterpillar COM 149123101 10,438 50,487 SH   SOLE   48,036 0 2,451
Chevron COM 166764100 25,076 213,682 SH   SOLE   200,083 0 13,599
Cisco Systems COM 17275R102 20,886 329,589 SH   SOLE   314,165 0 15,424
Clorox COM 189054109 216 1,241 SH   SOLE   1,241 0 0
Coca-Cola COM 191216100 667 11,257 SH   SOLE   11,257 0 0
Colgate-Palmolive COM 194162103 2,246 26,322 SH   SOLE   25,861 0 461
Comcast Class A COM 20030N101 385 7,642 SH   SOLE   7,642 0 0
CVS Health Corporation COM 126650100 642 6,220 SH   SOLE   6,220 0 0
D.R. Horton COM 23331a109 15,430 142,277 SH   SOLE   134,250 0 8,027
Danaher COM 235851102 47,019 142,912 SH   SOLE   133,086 0 9,826
Digital Realty Trust COM 253868103 17,165 97,046 SH   SOLE   89,804 0 7,242
Emerson Electric COM 291011104 568 6,107 SH   SOLE   5,032 0 1,075
EOG Resources COM 26875P101 12,090 136,103 SH   SOLE   125,638 0 10,465
Exxon Mobil COM 30231G102 749 12,238 SH   SOLE   11,428 0 810
Fidelity National Info Service COM 31620M106 11,235 102,933 SH   SOLE   93,432 0 9,501
First Republic Bank COM 33616C100 22,746 110,144 SH   SOLE   101,648 0 8,496
Ford Motor COM 345370860 227 10,946 SH   SOLE   10,946 0 0
General Mills COM 370334104 469 6,960 SH   SOLE   6,075 0 885
General Motors COM 37045V100 8,221 140,215 SH   SOLE   130,791 0 9,424
Goldman Sachs Group COM 38141G104 383 1,001 SH   SOLE   1,001 0 0
Honeywell COM 438516106 13,410 64,314 SH   SOLE   59,535 0 4,779
Intel COM 458140100 8,089 157,062 SH   SOLE   144,049 0 13,013
iShares Russell 1000 Value Ind COM 464287598 27,256 162,304 SH   SOLE   159,552 0 2,752
Johnson & Johnson COM 478160104 24,017 140,393 SH   SOLE   130,228 0 10,165
Johnson Controls International COM g51502105 22,752 279,823 SH   SOLE   262,818 0 17,005
JPMorgan Chase COM 46625H100 47,796 301,839 SH   SOLE   279,364 0 22,475
L3Harris Technologies COM 502431109 11,674 54,746 SH   SOLE   50,888 0 3,858
LAM Research COM 512807108 35,192 48,935 SH   SOLE   45,450 0 3,485
Linde COM G5494J103 13,236 38,207 SH   SOLE   35,568 0 2,639
Marsh & McLennan COM 571748102 22,799 131,162 SH   SOLE   119,694 0 11,468
McDonald's COM 580135101 18,574 69,289 SH   SOLE   63,299 0 5,990
Medtronic COM G5960L103 21,234 205,258 SH   SOLE   190,314 0 14,944
Merck COM 58933Y105 440 5,743 SH   SOLE   5,743 0 0
Micron Technology COM 595112103 8,665 93,021 SH   SOLE   86,750 0 6,271
Mondelez International COM 609207105 18,147 273,668 SH   SOLE   254,101 0 19,567
Morgan Stanley COM 617446448 37,452 381,540 SH   SOLE   353,592 0 27,948
NextEra Energy COM 65339F101 37,566 402,382 SH   SOLE   373,205 0 29,177
Pfizer COM 717081103 19,957 337,962 SH   SOLE   312,051 0 25,910
PPG Industries COM 693506107 10,426 60,460 SH   SOLE   56,686 0 3,774
Procter & Gamble COM 742718109 18,446 112,764 SH   SOLE   105,566 0 7,198
Prologis COM 74340W103 41,150 244,419 SH   SOLE   227,091 0 17,328
Public Svc. Enterprise Group COM 744573106 206 3,082 SH   SOLE   3,082 0 0
Qualcomm COM 747525103 648 3,542 SH   SOLE   2,842 0 700
Raytheon Technologies COM 75513E101 12,168 141,386 SH   SOLE   131,974 0 9,412
Seagate Technology COM G7997R103 215 1,900 SH   SOLE   1,900 0 0
Truist Financial COM 89832q109 13,373 228,408 SH   SOLE   210,531 0 17,877
U.S. Bancorp COM 902973304 1,088 19,377 SH   SOLE   18,322 0 1,055
Union Pacific COM 907818108 27,537 109,304 SH   SOLE   101,384 0 7,920
Valero Energy COM 91913Y100 11,264 149,970 SH   SOLE   139,966 0 10,004
Vanguard Russell 1000 Value In COM 92206c714 6,834 92,677 SH   SOLE   83,600 0 9,077
Vanguard Value ETF COM 922908744 738 5,018 SH   SOLE   4,569 0 449
Verizon Communications COM 92343V104 12,829 246,901 SH   SOLE   229,529 0 17,372
Walmart, Inc. COM 931142103 14,843 102,582 SH   SOLE   97,178 0 5,404
Walt Disney COM 254687106 26,291 169,739 SH   SOLE   157,793 0 11,946
WEC Energy Group COM 92939U106 785 8,083 SH   SOLE   4,233 0 3,850
Xcel Energy COM 98389B100 351 5,182 SH   SOLE   5,182 0 0
Invesco FTSE RAFI US 1500 ETF COM 46137v597 275 1,433 SH   SOLE   843 0 590
iShares Core S&P Mid-Cap ETF COM 464287507 77,589 274,087 SH   SOLE   248,729 0 25,358
iShares Russell 2000 Fund ETF COM 464287655 6,216 27,945 SH   SOLE   27,945 0 0
iShares Russell 2000 Growth In COM 464287648 54,915 187,392 SH   SOLE   177,148 0 10,244
iShares Russell 2000 Value Ind COM 464287630 61,811 372,242 SH   SOLE   352,465 0 19,777
iShares Russell Midcap Growth COM 464287481 22,257 193,172 SH   SOLE   174,267 0 18,905
iShares Russell Midcap Index E COM 464287499 24,865 299,539 SH   SOLE   285,773 0 13,766
iShares Russell Midcap Value COM 464287473 1,590 12,992 SH   SOLE   12,815 0 177
iShares S&P Small Cap 600 Inde COM 464287804 3,303 28,848 SH   SOLE   28,848 0 0
iShares S&P SmlCap 600 Growth COM 464287887 1,323 9,534 SH   SOLE   9,434 0 100
SPDR S&P MidCap 400 ETF Trust COM 78467Y107 5,689 10,990 SH   SOLE   10,917 0 73
Tilray COM 88688t100 165 23,488 SH   SOLE   23,488 0 0
Vanguard Extended Market ETF COM 922908652 272 1,489 SH   SOLE   1,489 0 0
Vanguard Mid-Cap ETF COM 922908629 266 1,043 SH   SOLE   1,043 0 0
Vanguard Mid-Cap Value ETF COM 922908512 294 1,957 SH   SOLE   1,957 0 0
Vanguard Small Cap ETF COM 922908751 91,571 405,164 SH   SOLE   374,612 0 30,552
iShares ESG Aware MSCI EM ETF COM 46434g863 8,207 206,467 SH   SOLE   195,889 0 10,578
iShares Global Tech ETF COM 464287291 223 3,460 SH   SOLE   3,460 0 0
iShares MSCI ACWI ex US ETF COM 464288240 1,064 19,132 SH   SOLE   19,132 0 0
iShares MSCI EAFE ETF COM 464287465 149,987 1,906,286 SH   SOLE   1,785,807 0 120,479
Nestle SA F ADR COM 641069406 783 5,580 SH   SOLE   5,580 0 0
Novo-Nordisk A/S ADR COM 670100205 202 1,806 SH   SOLE   1,806 0 0
PT Unilever Indonesia Tbk COM Y9064H141 8 30,000 SH   SOLE   30,000 0 0
Roche Hldg LTD Spons COM 771195104 203 3,925 SH   SOLE   3,925 0 0
Schwab Emerging Markets Equity COM 808524706 3,160 106,687 SH   SOLE   106,687 0 0
Schwab International Equity ET COM 808524805 254 6,530 SH   SOLE   6,530 0 0
Stora Enso Oyj COM 86210m106 636 34,761 SH   SOLE   34,761 0 0
Vanguard FTSE All-World Ex-US COM 922042775 11,948 194,973 SH   SOLE   175,828 0 19,145
Vanguard FTSE Developed Market COM 921943858 74,597 1,460,975 SH   SOLE   1,371,062 0 89,913
Vanguard FTSE Emerging Markets COM 922042858 52,059 1,052,544 SH   SOLE   990,303 0 62,241
WisdomTree EM ex-State-Owned E COM 97717X578 18,993 515,401 SH   SOLE   490,491 0 24,910
Altria Group COM 02209S103 1,068 22,527 SH   SOLE   22,527 0 0
Apple COM 037833100 1,884 10,610 SH   SOLE   10,610 0 0
Banner COM 06652V208 204 3,367 SH   SOLE   3,367 0 0
Berkshire Hathaway A COM 084670108 1,803 4 SH   SOLE   4 0 0
Berkshire Hathaway B COM 084670702 1,276 4,268 SH   SOLE   4,268 0 0
Calamos Strategic Total Return COM 128125101 208 10,793 SH   SOLE   10,793 0 0
Charles Schwab COM 808513105 353 4,196 SH   SOLE   4,196 0 0
CIM Real Estate Finance Trust COM 12558Q103 90 12,460 SH   SOLE   12,460 0 0
Eaton Vance Tax-Manag Global D COM 27829F108 169 15,796 SH   SOLE   15,796 0 0
Ferrari N V COM n3167y103 382 1,475 SH   SOLE   1,475 0 0
Fidelity MSCI IT Index ETF COM 316092808 203 1,500 SH   SOLE   1,500 0 0
Gilead Sciences COM 375558103 6,295 86,700 SH   SOLE   86,700 0 0
Health Care Select Sector SPDR COM 81369Y209 583 4,140 SH   SOLE   4,140 0 0
Heritage Financial COM 42722X106 359 14,707 SH   SOLE   14,707 0 0
Invesco QQQ Trust COM 46090E103 1,230 3,092 SH   SOLE   3,092 0 0
iShares Dow Jones US ETF COM 464287846 607 5,150 SH   SOLE   5,150 0 0
iShares Dow Jones US Healthcar COM 464287762 353 1,175 SH   SOLE   1,175 0 0
iShares MSCI USA Min Vol Facto COM 46429B697 243 3,000 SH   SOLE   3,000 0 0
iShares Russell 1000 Growth In COM 464287614 754 2,467 SH   SOLE   2,242 0 225
iShares Russell 1000 Index ETF COM 464287622 2,519 9,527 SH   SOLE   9,465 0 62
iShares Russell 1000 Value Ind COM 464287598 745 4,438 SH   SOLE   3,578 0 860
iShares Russell 3000 COM 464287689 1,141 4,111 SH   SOLE   4,111 0 0
iShares S&P 500 Index Fund COM 464287200 2,587 5,423 SH   SOLE   5,423 0 0
Microsoft COM 594918104 2,387 7,098 SH   SOLE   5,520 0 1,578
PACCAR COM 693718108 204 2,315 SH   SOLE   2,315 0 0
Philip Morris Int'l COM 718172109 1,135 11,943 SH   SOLE   11,943 0 0
Pinterest COM 72352L106 327 9,009 SH   SOLE   9,009 0 0
Procter & Gamble COM 742718109 400 2,447 SH   SOLE   2,447 0 0
Riverview Bancorp Inc. COM 769397100 187 24,300 SH   SOLE   24,300 0 0
Schwab US Large Cap ETF COM 808524201 1,081 9,498 SH   SOLE   9,498 0 0
SPDR Dow Jones Industrial Avg COM 78467x109 309 850 SH   SOLE   850 0 0
SPDR Morgan Stanley Technology COM 78464A102 290 1,750 SH   SOLE   1,750 0 0
SPDR S&P 500 ETF Trust COM 78462F103 5,823 12,259 SH   SOLE   12,259 0 0
Starbucks COM 855244109 540 4,620 SH   SOLE   4,620 0 0
Technology Select Sector SPDR COM 81369Y803 269 1,547 SH   SOLE   1,547 0 0
Tesla Motors COM 88160R101 360 341 SH   SOLE   341 0 0
Timberland Bancorp Inc. COM 887098101 204 7,366 SH   SOLE   7,366 0 0
United Parcel Service COM 911312106 30,359 141,638 SH   SOLE   141,638 0 0
Vanguard Large Cap ETF COM 922908637 950 4,296 SH   SOLE   4,296 0 0
Vanguard REIT ETF COM 922908553 210 1,813 SH   SOLE   1,532 0 281
Vanguard S&P 500 ETF COM 922908363 2,225 5,097 SH   SOLE   5,097 0 0
Vanguard Total Stock Market In COM 922908769 11,393 47,188 SH   SOLE   42,265 0 4,923
Goldman Sachs Access Treasury COM 381430529 9,651 96,468 SH   SOLE   96,468 0 0
Invesco S&P 500 Quality ETF COM 46137V241 16,457 309,275 SH   SOLE   298,739 0 10,536
iPath Bloomberg Commodity Inde COM 06738C778 16,987 591,884 SH   SOLE   572,633 0 19,251
iShares 3-7 Year Treasury Bond COM 464288661 47,629 370,166 SH   SOLE   357,126 0 13,040
iShares Exponential Technologi COM 46434V381 14,373 217,542 SH   SOLE   209,172 0 8,370
JPMorgan Equity Premium Income COM 46641q332 25,216 399,047 SH   SOLE   388,064 0 10,983
JPMorgan Ultra-Short Income ET COM 46641Q837 16,570 328,252 SH   SOLE   319,211 0 9,041
Quadratic Int Rt Volatility an COM 500767736 18,541 690,557 SH   SOLE   663,612 0 26,945
SPDR Portfolio Intermediate Te COM 78464A375 36,195 1,001,251 SH   SOLE   963,533 0 37,718
SPDR Portfolio S&P 1500 Compos COM 78464a805 491 8,400 SH   SOLE   8,400 0 0
Vanguard Dividend Appreciation COM 921908844 868 5,054 SH   SOLE   4,494 0 560
Vanguard High Dividend Yield E COM 921946406 265 2,367 SH   SOLE   2,367 0 0
Vanguard Large Cap ETF COM 922908637 55,619 251,647 SH   SOLE   242,877 0 8,770
Vanguard Tax-Exempt Bond ETF COM 922907746 302 5,500 SH   SOLE   5,500 0 0
Vanguard Total International S COM 921909768 817 12,853 SH   SOLE   12,371 0 482
Equity Residential COM 29476l107 772 8,528 SH   SOLE   8,528 0 0
Invitation Homes COM 46187W107 585 12,905 SH   SOLE   12,905 0 0