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 150 11,613 SH   SOLE   11,613 0 0
iShares TIPS Bond ETF COM 464287176 402 3,531 SH   SOLE   3,249 0 282
iShares Core US Aggregate Bond COM 464287226 398 3,918 SH   SOLE   3,918 0 0
iShares Intermediate Govt/Cred COM 464288612 4,974 47,126 SH   SOLE   45,768 0 1,358
Schwab Short-Term U.S. Treasur COM 808524862 489 9,945 SH   SOLE   9,945 0 0
Schwab U.S. Aggregate Bond ETF COM 808524839 304 6,350 SH   SOLE   6,350 0 0
SPDR Short Term Corporate Bond COM 78464A474 3,063 103,012 SH   SOLE   102,112 0 900
3M COM 88579Y101 819 6,332 SH   SOLE   6,332 0 0
AbbVie COM 00287Y109 540 3,523 SH   SOLE   3,523 0 0
Accenture Ltd. Cl A COM G1151C101 12,807 46,127 SH   SOLE   44,238 0 1,889
Adobe COM 00724F101 12,165 33,232 SH   SOLE   31,624 0 1,608
Alphabet COM 02079K305 28,317 12,994 SH   SOLE   12,178 0 816
Alphabet Cl C COM 02079K107 22,949 10,491 SH   SOLE   9,719 0 772
Amazon.com COM 023135106 52,212 491,590 SH   SOLE   461,123 0 30,467
American Tower COM 03027X100 15,224 59,564 SH   SOLE   55,109 0 4,455
Amgen COM 031162100 9,033 37,129 SH   SOLE   34,344 0 2,785
Apple COM 037833100 96,038 702,441 SH   SOLE   654,168 0 48,273
Applied Materials COM 038222105 7,915 86,998 SH   SOLE   81,844 0 5,154
Automatic Data Processing COM 053015103 1,806 8,597 SH   SOLE   8,547 0 50
AutoZone COM 053332102 219 102 SH   SOLE   102 0 0
Ball COM 058498106 5,161 75,050 SH   SOLE   71,754 0 3,296
Becton Dickinson COM 075887109 244 990 SH   SOLE   990 0 0
Booking Holdings COM 09857l108 9,861 5,638 SH   SOLE   5,131 0 507
Canadian Pacific Railway LTD COM 13645t100 204 2,915 SH   SOLE   2,915 0 0
Charles Schwab COM 808513105 3,810 60,298 SH   SOLE   60,298 0 0
Chipotle Mexican Grill COM 169656105 5,599 4,283 SH   SOLE   4,021 0 262
Constellation Brands COM 21036P108 429 1,842 SH   SOLE   1,842 0 0
CoStar Group COM 22160n109 10,160 168,181 SH   SOLE   158,523 0 9,658
Costco Wholesale COM 22160K105 36,619 76,405 SH   SOLE   71,222 0 5,183
Dollar General COM 256677105 4,116 16,768 SH   SOLE   15,750 0 1,018
Ecolab COM 278865100 9,367 60,920 SH   SOLE   54,919 0 6,001
Eli Lilly COM 532457108 28,363 87,478 SH   SOLE   81,707 0 5,771
EPAM Systems COM 29414b104 1,316 4,466 SH   SOLE   4,466 0 0
Equinix COM 29444U700 14,115 21,484 SH   SOLE   19,911 0 1,573
Estee Lauder COM 518439104 12,805 50,279 SH   SOLE   47,812 0 2,467
Gilead Sciences COM 375558103 357 5,770 SH   SOLE   5,770 0 0
Home Depot COM 437076102 22,693 82,741 SH   SOLE   76,029 0 6,712
iShares Russell 1000 Growth In COM 464287614 18,325 83,791 SH   SOLE   82,738 0 1,053
iShares Russell 1000 Index ETF COM 464287622 6,958 33,488 SH   SOLE   29,962 0 3,526
Lockheed Martin COM 539830109 271 630 SH   SOLE   630 0 0
Lowe's COM 548661107 346 1,983 SH   SOLE   1,983 0 0
Marriott International Cl A COM 571903202 230 1,690 SH   SOLE   1,440 0 250
Marsh & McLennan COM 571748102 18,929 121,926 SH   SOLE   111,014 0 10,912
MasterCard COM 57636Q104 696 2,205 SH   SOLE   2,205 0 0
Meta Platforms COM 30303m102 838 5,200 SH   SOLE   5,200 0 0
Microsoft COM 594918104 105,673 411,453 SH   SOLE   381,270 0 30,183
NIKE Class B COM 654106103 6,441 63,023 SH   SOLE   60,014 0 3,009
NVIDIA COM 67066G104 21,617 142,599 SH   SOLE   133,757 0 8,842
Oracle COM 68389X105 348 4,984 SH   SOLE   4,984 0 0
PACCAR COM 693718108 681 8,276 SH   SOLE   4,356 0 3,920
Palo Alto Networks COM 697435105 18,657 37,772 SH   SOLE   35,066 0 2,706
PayPal Holdings COM 70450Y103 6,726 96,312 SH   SOLE   90,113 0 6,199
PepsiCo COM 713448108 15,417 92,508 SH   SOLE   84,584 0 7,924
Salesforce COM 79466L302 18,012 109,140 SH   SOLE   101,206 0 7,934
Schwab U.S. Large-Cap Growth E COM 808524300 390 6,731 SH   SOLE   6,731 0 0
Seattle Genetics COM 81181c104 310 1,750 SH   SOLE   1,750 0 0
ServiceNow COM 81762P102 21,632 45,491 SH   SOLE   43,471 0 2,020
Sherwin-Williams COM 824348106 10,709 47,826 SH   SOLE   45,454 0 2,372
Starbucks COM 855244109 2,886 37,774 SH   SOLE   34,769 0 3,005
Stryker COM 863667101 9,556 48,035 SH   SOLE   43,914 0 4,121
Synopsys COM 871607107 6,738 22,185 SH   SOLE   20,860 0 1,325
Sysco COM 871829107 6,706 79,170 SH   SOLE   75,049 0 4,121
Technology Select Sector SPDR COM 81369Y803 416 3,274 SH   SOLE   3,274 0 0
Tesla Motors COM 88160R101 8,125 12,066 SH   SOLE   11,518 0 548
Thermo Fisher Scientific COM 883556102 25,809 47,507 SH   SOLE   43,667 0 3,840
Trilogy International Partners COM 89621t108 2 10,000 SH   SOLE   10,000 0 0
United Parcel Service COM 911312106 14,542 79,666 SH   SOLE   77,206 0 2,460
UnitedHealth Group COM 91324P102 22,031 42,893 SH   SOLE   39,177 0 3,716
Vanguard Growth ETF COM 922908736 265 1,187 SH   SOLE   1,187 0 0
Vanguard Russell 1000 Growth I COM 92206c680 523 9,299 SH   SOLE   9,299 0 0
Verisk Analytics COM 92345y106 6,230 35,993 SH   SOLE   34,452 0 1,541
VISA Class A COM 92826C839 33,940 172,381 SH   SOLE   160,683 0 11,698
Zoetis COM 98978V103 11,213 65,231 SH   SOLE   61,109 0 4,122
Abbott Labs COM 002824100 10,660 98,114 SH   SOLE   92,883 0 5,231
Ally Financial COM 02005n100 7,089 211,542 SH   SOLE   202,039 0 9,503
Aptiv COM G6095L109 10,269 115,296 SH   SOLE   108,262 0 7,034
Bank of America COM 060505104 17,348 557,289 SH   SOLE   529,061 0 28,228
Berkshire Hathaway B COM 084670702 26,425 96,786 SH   SOLE   89,462 0 7,324
BlackRock COM 09247X101 467 767 SH   SOLE   767 0 0
Boeing COM 097023105 6,794 49,693 SH   SOLE   46,010 0 3,683
BP PLC - Spons ADR COM 055622104 235 8,299 SH   SOLE   8,299 0 0
Bristol-Myers Squibb COM 110122108 19,748 256,462 SH   SOLE   241,837 0 14,625
Broadcom COM 11135F101 322 662 SH   SOLE   662 0 0
Caterpillar COM 149123101 11,402 63,782 SH   SOLE   59,903 0 3,879
Chevron COM 166764100 31,454 217,257 SH   SOLE   203,355 0 13,902
Cisco Systems COM 17275R102 14,051 329,524 SH   SOLE   315,063 0 14,461
Coca-Cola COM 191216100 17,313 275,195 SH   SOLE   259,764 0 15,431
Colgate-Palmolive COM 194162103 2,091 26,092 SH   SOLE   25,631 0 461
Comcast Class A COM 20030N101 317 8,079 SH   SOLE   8,079 0 0
CVS Health Corporation COM 126650100 631 6,808 SH   SOLE   6,808 0 0
Danaher COM 235851102 27,814 109,711 SH   SOLE   102,647 0 7,064
Digital Realty Trust COM 253868103 12,344 95,081 SH   SOLE   88,159 0 6,922
Emerson Electric COM 291011104 447 5,614 SH   SOLE   4,539 0 1,075
Energy Select Sector SPDR ETF COM 81369y506 222 3,100 SH   SOLE   3,100 0 0
EOG Resources COM 26875P101 15,282 138,377 SH   SOLE   128,420 0 9,957
Exxon Mobil COM 30231G102 1,126 13,143 SH   SOLE   12,333 0 810
First Republic Bank COM 33616C100 10,868 75,370 SH   SOLE   68,940 0 6,430
General Mills COM 370334104 487 6,460 SH   SOLE   5,575 0 885
General Motors COM 37045V100 4,820 151,755 SH   SOLE   145,280 0 6,475
Goldman Sachs Group COM 38141G104 254 856 SH   SOLE   856 0 0
Honeywell COM 438516106 11,076 63,726 SH   SOLE   59,154 0 4,572
Intel COM 458140100 553 14,786 SH   SOLE   12,711 0 2,075
iShares Russell 1000 Value Ind COM 464287598 20,987 144,771 SH   SOLE   143,414 0 1,357
Johnson & Johnson COM 478160104 32,550 183,371 SH   SOLE   171,816 0 11,555
Johnson Controls International COM g51502105 12,944 270,336 SH   SOLE   258,702 0 11,634
JPMorgan Chase COM 46625H100 25,948 230,425 SH   SOLE   212,046 0 18,379
L3Harris Technologies COM 502431109 13,442 55,616 SH   SOLE   51,922 0 3,694
LAM Research COM 512807108 20,228 47,467 SH   SOLE   44,199 0 3,268
Linde COM G5494J103 10,897 37,898 SH   SOLE   35,409 0 2,489
Marsh & McLennan COM 571748102 1,142 7,355 SH   SOLE   7,355 0 0
McDonald's COM 580135101 16,915 68,516 SH   SOLE   62,720 0 5,796
Medtronic COM G5960L103 19,279 214,812 SH   SOLE   200,564 0 14,248
Merck COM 58933Y105 523 5,737 SH   SOLE   5,737 0 0
Meta Platforms COM 30303m102 14,659 90,910 SH   SOLE   84,776 0 6,134
Micron Technology COM 595112103 5,770 104,371 SH   SOLE   99,395 0 4,976
Mondelez International COM 609207105 16,896 272,129 SH   SOLE   253,450 0 18,679
Morgan Stanley COM 617446448 27,177 357,312 SH   SOLE   330,945 0 26,367
NextEra Energy COM 65339F101 25,577 330,198 SH   SOLE   308,425 0 21,773
NiSource COM 65473p105 11,322 383,943 SH   SOLE   355,956 0 27,987
Pfizer COM 717081103 18,236 347,815 SH   SOLE   322,358 0 25,456
PPG Industries COM 693506107 593 5,183 SH   SOLE   5,183 0 0
Procter & Gamble COM 742718109 27,790 193,265 SH   SOLE   181,936 0 11,329
Prologis COM 74340W103 27,401 232,900 SH   SOLE   216,777 0 16,123
Qualcomm COM 747525103 453 3,546 SH   SOLE   2,901 0 645
Raytheon Technologies COM 75513E101 13,639 141,911 SH   SOLE   132,954 0 8,957
Sanofi COM 80105N105 239 4,782 SH   SOLE   4,782 0 0
Truist Financial COM 89832q109 10,852 228,799 SH   SOLE   211,533 0 17,266
U.S. Bancorp COM 902973304 852 18,520 SH   SOLE   17,615 0 905
Union Pacific COM 907818108 17,730 83,130 SH   SOLE   77,627 0 5,503
Valero Energy COM 91913Y100 17,317 162,935 SH   SOLE   152,626 0 10,309
Vanguard High Dividend Yield E COM 921946406 650 6,393 SH   SOLE   6,393 0 0
Vanguard Russell 1000 Value In COM 92206c714 462 7,272 SH   SOLE   7,272 0 0
Vanguard Value ETF COM 922908744 712 5,402 SH   SOLE   4,953 0 449
Verizon Communications COM 92343V104 13,282 261,712 SH   SOLE   245,322 0 16,390
Walmart, Inc. COM 931142103 12,605 103,673 SH   SOLE   97,117 0 6,556
Walt Disney COM 254687106 16,036 169,869 SH   SOLE   159,579 0 10,290
WEC Energy Group COM 92939U106 662 6,576 SH   SOLE   4,226 0 2,350
Xcel Energy COM 98389B100 344 4,863 SH   SOLE   4,863 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 62,687 277,092 SH   SOLE   252,290 0 24,802
iShares Russell 2000 Fund ETF COM 464287655 4,542 26,817 SH   SOLE   26,817 0 0
iShares Russell 2000 Growth In COM 464287648 38,553 186,867 SH   SOLE   177,535 0 9,332
iShares Russell 2000 Value Ind COM 464287630 48,028 352,759 SH   SOLE   335,982 0 16,777
iShares Russell Mid-Cap Value COM 464287473 9,663 95,135 SH   SOLE   90,944 0 4,191
iShares Russell Midcap Growth COM 464287481 15,165 191,435 SH   SOLE   172,980 0 18,455
iShares Russell Midcap Index E COM 464287499 20,763 321,113 SH   SOLE   306,575 0 14,538
iShares S&P Small Cap 600 Inde COM 464287804 2,746 29,718 SH   SOLE   29,718 0 0
SPDR S&P MidCap 400 ETF Trust COM 78467Y107 3,506 8,479 SH   SOLE   8,406 0 73
Tilray COM 88688t100 100 32,096 SH   SOLE   32,096 0 0
Vanguard Extended Market ETF COM 922908652 216 1,647 SH   SOLE   1,647 0 0
Vanguard Mid-Cap ETF COM 922908629 271 1,375 SH   SOLE   1,375 0 0
Vanguard Mid-Cap Value ETF COM 922908512 237 1,830 SH   SOLE   1,830 0 0
Vanguard Small Cap ETF COM 922908751 73,321 416,336 SH   SOLE   386,540 0 29,796
iShares MSCI ACWI ex US ETF COM 464288240 798 17,730 SH   SOLE   17,730 0 0
iShares MSCI EAFE ETF COM 464287465 120,118 1,922,204 SH   SOLE   1,810,088 0 112,116
JPM BetaBuilders Dev Asia ex-J COM 46641Q233 7,476 156,759 SH   SOLE   149,829 0 6,930
Nestle SA F ADR COM 641069406 653 5,607 SH   SOLE   5,607 0 0
Novo-Nordisk A/S ADR COM 670100205 216 1,934 SH   SOLE   1,934 0 0
PT Unilever Indonesia Tbk COM Y9064H141 10 30,000 SH   SOLE   30,000 0 0
Schwab Emerging Markets Equity COM 808524706 385 15,155 SH   SOLE   15,155 0 0
Schwab International Equity ET COM 808524805 414 13,165 SH   SOLE   13,165 0 0
Shell plc COM 780259305 208 3,984 SH   SOLE   3,984 0 0
Stora Enso Oyj COM 86210m106 543 34,761 SH   SOLE   34,761 0 0
Vanguard FTSE All-World Ex-US COM 922042775 5,070 101,485 SH   SOLE   99,435 0 2,050
Vanguard FTSE Developed Market COM 921943858 61,688 1,511,964 SH   SOLE   1,425,814 0 86,150
Vanguard FTSE Emerging Markets COM 922042858 72,984 1,752,310 SH   SOLE   1,653,700 0 98,610
Vanguard Total International S COM 921909768 225 4,357 SH   SOLE   4,357 0 0
Altria Group COM 02209S103 941 22,527 SH   SOLE   22,527 0 0
Apple COM 037833100 1,427 10,435 SH   SOLE   10,435 0 0
Banner COM 06652V208 210 3,742 SH   SOLE   3,742 0 0
Berkshire Hathaway A COM 084670108 1,636 4 SH   SOLE   4 0 0
Berkshire Hathaway B COM 084670702 1,155 4,230 SH   SOLE   4,230 0 0
Calamos Strategic Total Return COM 128125101 141 10,793 SH   SOLE   10,793 0 0
Charles Schwab COM 808513105 270 4,278 SH   SOLE   4,278 0 0
CIM Real Estate Finance Trust COM 12558Q103 90 12,460 SH   SOLE   12,460 0 0
Costco Wholesale COM 22160K105 242 506 SH   SOLE   506 0 0
Ferrari N V COM n3167y103 271 1,475 SH   SOLE   1,475 0 0
Gilead Sciences COM 375558103 5,359 86,700 SH   SOLE   86,700 0 0
Health Care Select Sector SPDR COM 81369Y209 409 3,190 SH   SOLE   3,190 0 0
Heritage Financial COM 42722X106 373 14,827 SH   SOLE   14,827 0 0
Invesco QQQ Trust COM 46090E103 1,702 6,074 SH   SOLE   6,074 0 0
iShares Dow Jones US ETF COM 464287846 453 4,910 SH   SOLE   4,910 0 0
iShares Dow Jones US Healthcar COM 464287762 316 1,175 SH   SOLE   1,175 0 0
iShares MSCI USA Min Vol Facto COM 46429B697 211 3,000 SH   SOLE   3,000 0 0
iShares Russell 1000 Growth In COM 464287614 419 1,918 SH   SOLE   1,693 0 225
iShares Russell 1000 Index ETF COM 464287622 1,986 9,557 SH   SOLE   9,495 0 62
iShares Russell 1000 Value Ind COM 464287598 550 3,795 SH   SOLE   2,935 0 860
iShares Russell 3000 COM 464287689 668 3,073 SH   SOLE   3,073 0 0
iShares S&P 500 Index Fund COM 464287200 2,799 7,383 SH   SOLE   7,383 0 0
Microsoft COM 594918104 2,016 7,848 SH   SOLE   6,270 0 1,578
Philip Morris Int'l COM 718172109 1,179 11,943 SH   SOLE   11,943 0 0
Procter & Gamble COM 742718109 349 2,426 SH   SOLE   2,426 0 0
Remitly Global Inc COM 75960p104 236 30,851 SH   SOLE   30,851 0 0
Riverview Bancorp Inc. COM 769397100 160 24,300 SH   SOLE   24,300 0 0
Schwab US Large Cap ETF COM 808524201 1,021 22,861 SH   SOLE   22,861 0 0
SPDR Dow Jones Industrial Avg COM 78467x109 262 851 SH   SOLE   851 0 0
SPDR S&P 500 ETF Trust COM 78462F103 4,344 11,516 SH   SOLE   11,516 0 0
Starbucks COM 855244109 353 4,620 SH   SOLE   4,620 0 0
T-Mobile US COM 872590104 253 1,878 SH   SOLE   1,878 0 0
Technology Select Sector SPDR COM 81369Y803 216 1,700 SH   SOLE   1,700 0 0
Tesla Motors COM 88160R101 269 399 SH   SOLE   399 0 0
United Parcel Service COM 911312106 20,750 113,673 SH   SOLE   113,673 0 0
Vanguard Dividend Appreciation COM 921908844 287 2,001 SH   SOLE   2,001 0 0
Vanguard Large Cap ETF COM 922908637 704 4,082 SH   SOLE   4,082 0 0
Vanguard S&P 500 ETF COM 922908363 2,016 5,811 SH   SOLE   5,811 0 0
Vanguard Total Stock Market In COM 922908769 8,877 47,062 SH   SOLE   41,663 0 5,399
SPDR Gold Trust COM 78463V107 206 1,223 SH   SOLE   1,065 0 158
Cambria Tail Risk ETF COM 132061862 11,549 656,916 SH   SOLE   640,951 0 15,965
Invesco S&P 500 Equal Weight E COM 46137v357 12,902 96,120 SH   SOLE   93,261 0 2,859
iPath Bloomberg Commodity Inde COM 06738C778 12,383 355,820 SH   SOLE   346,545 0 9,275
iShares 3-7 Year Treasury Bond COM 464288661 47,295 396,308 SH   SOLE   384,748 0 11,560
iShares National Muni Bond ETF COM 464288414 298 2,800 SH   SOLE   2,800 0 0
iShares S&P Small Cap 600 Inde COM 464287804 251 2,717 SH   SOLE   2,717 0 0
iShares Treasury Floating Rate COM 46434v860 62,927 1,248,548 SH   SOLE   1,212,919 0 35,629
JPMorgan Equity Premium Income COM 46641q332 32,321 582,892 SH   SOLE   566,362 0 16,530
JPMorgan Ultra-Short Income ET COM 46641Q837 36,010 718,897 SH   SOLE   699,114 0 19,783
SPDR Portfolio Intermediate Te COM 78464A375 329 10,093 SH   SOLE   8,914 0 1,179
Vanguard High Dividend Yield E COM 921946406 400 3,928 SH   SOLE   3,928 0 0
Vanguard Large Cap ETF COM 922908637 24,201 140,415 SH   SOLE   136,447 0 3,968
Vanguard Short-Term Corporate COM 92206C409 300 3,931 SH   SOLE   3,931 0 0
Equity Residential COM 29476l107 616 8,528 SH   SOLE   8,528 0 0
Invitation Homes COM 46187W107 459 12,905 SH   SOLE   12,905 0 0