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
AT&T INC COM 00206R102 562 18,598 SH   SOLE   0 0 18,598
ALLIANT ENERGY CORP COM 018802108 215 4,500 SH   SOLE   0 0 4,500
ALLSTATE CORP COM 020002101 485 5,000 SH   SOLE   0 0 5,000
ALPHABET INC CAP STK CL C 02079K107 318 225 SH   SOLE   0 0 225
ALPHABET INC CAP STK CL A 02079K305 326 230 SH   SOLE   0 0 230
AMERICAN ELEC PWR CO INC COM 025537101 208 2,607 SH   SOLE   0 0 2,607
AMERISOURCEBERGEN CORP COM 03073E105 247 2,450 SH   SOLE   0 0 2,450
APPLE INC COM 037833100 1,550 4,248 SH   SOLE   0 0 4,248
BECTON DICKINSON & CO COM 075887109 10,810 45,180 SH   SOLE   0 0 45,180
BLACKROCK INC CL B NEW 09247X101 11,365 20,888 SH   SOLE   0 0 20,888
BRISTOL-MYERS SQUIBB CO COM 110122108 9,174 156,014 SH   SOLE   0 0 156,014
BROADMARK RLTY CAP INC COM 11135B100 1,169 123,450 SH   SOLE   0 0 123,450
CARRIER GLOBAL CORPORATION COM 14448C104 1,144 51,499 SH   SOLE   0 0 51,499
CATERPILLAR INC DEL COM 149123101 10,572 83,574 SH   SOLE   0 0 83,574
CHEVRON CORP NEW COM 166764100 6,763 75,792 SH   SOLE   0 0 75,792
CISCO SYS INC COM 17275R102 286 6,122 SH   SOLE   0 0 6,122
COLGATE PALMOLIVE CO COM 194162103 586 8,000 SH   SOLE   0 0 8,000
DEERE & CO COM 244199105 10,596 67,426 SH   SOLE   0 0 67,426
DISNEY WALT CO COM 254687106 9,015 80,843 SH   SOLE   0 0 80,843
DISCOVER FINL SVCS COM DISNEY 254709108 259 5,180 SH   SOLE   0 0 5,180
DOMINION ENERGY INC COM 25746U109 7,103 87,503 SH   SOLE   0 0 87,503
DUPONT DE NEMOURS INC COM 26614N102 5,713 107,536 SH   SOLE   0 0 107,536
EMERSON ELEC CO COM 291011104 779 12,550 SH   SOLE   0 0 12,550
EXXON MOBIL CORP COM 30231G102 6,368 142,386 SH   SOLE   0 0 142,386
HOME DEPOT INC COM 437076102 13,883 55,420 SH   SOLE   0 0 55,420
INTEL CORP COM 458140100 10,707 178,951 SH   SOLE   0 0 178,951
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 233 1,900 SH   SOLE   0 0 1,900
INVESCO EXCHANGE TRADED FD T COM 46137V266 33,733 260,505 SH   SOLE   0 0 260,505
INVESCO EXCH TRADED FD TR II S&P500 PUR GWT 46138E735 6,162 224,735 SH   SOLE   0 0 224,735
GOLD TRUST FTSE RAFI SML 464285105 438 25,790 SH   SOLE   0 0 25,790
ISHARES TR ISHARES 464287200 1,063 3,434 SH   SOLE   0 0 3,434
ISHARES TR CORE S&P500 ETF 464287804 2,510 36,753 SH   SOLE   0 0 36,753
ISHARES TR CORE S&P SCP ETF 464288588 11,720 105,867 SH   SOLE   0 0 105,867
ISHARES TR MBS ETF 464288646 23,080 421,856 SH   SOLE   0 0 421,856
ISHARES TR SH TR CRPORT ETF 46429B689 12,366 187,187 SH   SOLE   0 0 187,187
ISHARES TR MIN VOL EAFE ETF 46432F842 11,842 207,173 SH   SOLE   0 0 207,173
JPMORGAN CHASE & CO CORE MSCI EAFE 46625H100 5,461 58,063 SH   SOLE   0 0 58,063
JOHNSON & JOHNSON COM 478160104 8,622 61,312 SH   SOLE   0 0 61,312
KROGER CO COM 501044101 6,573 194,169 SH   SOLE   0 0 194,169
LOWES COS INC COM 548661107 405 3,000 SH   SOLE   0 0 3,000
M & T BK CORP COM 55261F104 4,883 46,963 SH   SOLE   0 0 46,963
MARSH & MCLENNAN COS INC COM 571748102 7,452 69,409 SH   SOLE   0 0 69,409
MCDONALDS CORP COM 580135101 11,253 61,001 SH   SOLE   0 0 61,001
MERCK & CO. INC COM 58933Y105 7,944 102,725 SH   SOLE   0 0 102,725
MICROSOFT CORP COM 594918104 16,299 80,087 SH   SOLE   0 0 80,087
NEXTERA ENERGY INC COM 65339F101 1,441 6,000 SH   SOLE   0 0 6,000
NIKE INC COM 654106103 1,010 10,300 SH   SOLE   0 0 10,300
NORTHERN TR CORP CL B 665859104 5,114 64,457 SH   SOLE   0 0 64,457
OTIS WORLDWIDE CORP COM 68902V107 1,453 25,557 SH   SOLE   0 0 25,557
PNC FINL SVCS GROUP INC COM 693475105 5,593 53,160 SH   SOLE   0 0 53,160
PEPSICO INC COM 713448108 8,735 66,048 SH   SOLE   0 0 66,048
PIMCO ETF TR COM 72201R833 1,303 12,814 SH   SOLE   0 0 12,814
PROCTER AND GAMBLE CO ENHAN SHRT MA AC 742718109 8,202 68,598 SH   SOLE   0 0 68,598
PROSHARES TR COM 74347X294 271 5,923 SH   SOLE   0 0 5,923
PRUDENTIAL FINL INC COM 744320102 3,628 59,575 SH   SOLE   0 0 59,575
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,166 51,384 SH   SOLE   0 0 51,384
REPUBLIC SVCS INC COM 760759100 7,461 90,935 SH   SOLE   0 0 90,935
S&P GLOBAL INC COM 78409V104 1,390 4,220 SH   SOLE   0 0 4,220
SPDR GOLD TR GOLD SHS 78463V107 670 4,001 SH   SOLE   0 0 4,001
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 15,323 457,951 SH   SOLE   0 0 457,951
SPDR SER TR BLOMBERG BRC INV 78468R200 8,633 283,236 SH   SOLE   0 0 283,236
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 503 8,950 SH   SOLE   0 0 8,950
STARBUCKS CORP COM 855244109 252 3,426 SH   SOLE   0 0 3,426
TEXAS INSTRS INC COM 882508104 10,984 86,508 SH   SOLE   0 0 86,508
3M CO COM 88579Y101 234 1,503 SH   SOLE   0 0 1,503
UNION PAC CORP COM 907818108 6,019 35,599 SH   SOLE   0 0 35,599
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 5,452 177,351 SH   SOLE   0 0 177,351
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,119 9,553 SH   SOLE   0 0 9,553
VANGUARD WORLD FD ESG INTL STK ETF 921910725 315 6,550 SH   SOLE   0 0 6,550
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 26,302 316,439 SH   SOLE   0 0 316,439
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 279 3,160 SH   SOLE   0 0 3,160
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,055 44,040 SH   SOLE   0 0 44,040
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 499 6,664 SH   SOLE   0 0 6,664
VANGUARD WORLD FDS ENERGY ETF 92204A306 202 4,008 SH   SOLE   0 0 4,008
VANGUARD INDEX FDS SML CP GRW ETF 922908595 326 1,635 SH   SOLE   0 0 1,635
VANGUARD INDEX FDS SM CP VAL ETF 922908611 410 3,834 SH   SOLE   0 0 3,834
VANGUARD INDEX FDS MID CAP ETF 922908629 18,588 113,402 SH   SOLE   0 0 113,402
VANGUARD INDEX FDS GROWTH ETF 922908736 1,250 6,185 SH   SOLE   0 0 6,185
VANGUARD INDEX FDS VALUE ETF 922908744 2,905 29,169 SH   SOLE   0 0 29,169
VERIZON COMMUNICATIONS INC COM 92343V104 6,941 125,904 SH   SOLE   0 0 125,904
WALMART INC COM 931142103 10,274 85,774 SH   SOLE   0 0 85,774
WASHINGTON FED INC COM 938824109 425 15,832 SH   SOLE   0 0 15,832
WISDOMTREE TR US TOTAL DIVIDND 97717W109 1,791 19,880 SH   SOLE   0 0 19,880
WISDOMTREE TR US SMALLCAP FUND 97717W562 362 12,756 SH   SOLE   0 0 12,756
ZIMMER BIOMET HOLDINGS INC COM 98956P102 222 1,856 SH   SOLE   0 0 1,856
MEDTRONIC PLC SHS G5960L103 7,375 80,423 SH   SOLE   0 0 80,423