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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   328,128 3,388 SH   SOLE   3,388 0 0
ABBVIE INC COM 00287Y109   575,819 3,863 SH   SOLE   3,863 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   265,350 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109   358,546 9,670 SH   SOLE   9,670 0 0
ALLSTATE CORP COM 020002101   566,891 5,048 SH   SOLE   5,048 0 0
ALPHABET INC CAP STK CL C 02079K107   977,932 7,417 SH   SOLE   7,417 0 0
ALPHABET INC CAP STK CL A 02079K305   477,554 3,649 SH   SOLE   3,649 0 0
AMAZON COM INC COM 023135106   1,772,834 13,946 SH   SOLE   13,943 0 3
APPLE INC COM 037833100   4,350,226 25,409 SH   SOLE   25,310 0 99
AT&T INC COM 00206R102   308,386 20,532 SH   SOLE   20,532 0 0
BECTON DICKINSON & CO COM 075887109   11,988,054 46,370 SH   SOLE   46,231 0 139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,999,863 5,709 SH   SOLE   5,709 0 0
BLACKROCK INC COM 09247X101   13,035,431 20,163 SH   SOLE   20,103 0 60
BOEING CO COM 097023105   295,908 1,544 SH   SOLE   1,544 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   8,956,458 162,255 SH   SOLE   161,769 0 486
CATERPILLAR INC COM 149123101   21,957,524 80,430 SH   SOLE   80,233 0 197
CENCORA INC COM 03073E105   440,927 2,450 SH   SOLE   2,450 0 0
CHEVRON CORP NEW COM 166764100   11,794,839 69,949 SH   SOLE   69,747 0 202
CISCO SYS INC COM 17275R102   331,915 6,174 SH   SOLE   6,174 0 0
COLGATE PALMOLIVE CO COM 194162103   612,969 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101   5,326,964 120,139 SH   SOLE   119,776 0 363
COSTCO WHSL CORP NEW COM 22160K105   1,504,043 2,662 SH   SOLE   2,662 0 0
CVS HEALTH CORP COM 126650100   10,740,481 153,831 SH   SOLE   153,361 0 470
DEERE & CO COM 244199105   18,604,123 49,123 SH   SOLE   48,984 0 139
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   321,265 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108   450,910 5,205 SH   SOLE   5,205 0 0
DUPONT DE NEMOURS INC COM 26614N102   8,275,291 110,944 SH   SOLE   110,659 0 285
EMERSON ELEC CO COM 291011104   1,211,954 12,550 SH   SOLE   12,550 0 0
EXXON MOBIL CORP COM 30231G102   15,880,028 135,057 SH   SOLE   134,691 0 366
GABELLI CONV & INC SECS FD I COM 36240B109   37,500 10,000 SH   SOLE   10,000 0 0
HOME DEPOT INC COM 437076102   16,452,178 54,449 SH   SOLE   54,289 0 160
INTERNATIONAL BUSINESS MACHS COM 459200101   6,366,326 45,377 SH   SOLE   45,244 0 133
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   8,264,321 279,767 SH   SOLE   278,646 700 421
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   473 16 SH   SOLE   0 0 16
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   22,071,244 732,048 SH   SOLE   730,262 0 1,786
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   3,317 110 SH   SOLE   0 0 110
INVESCO QQQ TR UNIT SER 1 46090E103   572,221 1,595 SH   SOLE   1,595 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   107,481 300 PRN Put SOLE   300 0 0
ISHARES SILVER TR ISHARES 46428Q109   224,249 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE INTL AGGR 46435G672   203,218 4,166 SH   SOLE   4,166 0 0
ISHARES TR CORE MSCI EAFE 46432F842   17,164,056 266,730 SH   SOLE   265,718 410 602
ISHARES TR CORE MSCI EAFE 46432F842   2,574 40 SH   SOLE   0 0 40
ISHARES TR CORE S&P MCP ETF 464287507   436,100 1,741 SH   SOLE   1,741 0 0
ISHARES TR CORE S&P SCP ETF 464287804   4,423,942 46,680 SH   SOLE   46,680 0 0
ISHARES TR CORE S&P US GWT 464287671   14,030,372 147,417 SH   SOLE   146,922 305 190
ISHARES TR CORE S&P US GWT 464287671   3,332 35 SH   SOLE   0 0 35
ISHARES TR CORE S&P500 ETF 464287200   5,013,966 11,626 SH   SOLE   11,563 0 63
ISHARES TR EAFE SML CP ETF 464288273   296,863 5,257 SH   SOLE   5,257 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   30,371,366 609,500 SH   SOLE   606,006 0 3,494
ISHARES TR ISHS 1-5YR INVS 464288646   997 20 SH   SOLE   0 0 20
ISHARES TR JPMORGAN USD EMG 464288281   247,413 2,998 SH   SOLE   2,955 0 43
ISHARES TR MSCI EAFE MIN VL 46429B689   16,178,083 248,054 SH   SOLE   246,998 465 591
ISHARES TR MSCI EAFE MIN VL 46429B689   2,609 40 SH   SOLE   0 0 40
ISHARES TR PFD AND INCM SEC 464288687   460,326 15,268 SH   SOLE   15,268 0 0
ISHARES TR TIPS BD ETF 464287176   381,545 3,679 SH   SOLE   3,679 0 0
ISHARES TR U.S. MED DVC ETF 464288810   513,285 10,558 SH   SOLE   10,558 0 0
ISHARES TR US TREAS BD ETF 46429B267   14,331,237 650,238 SH   SOLE   646,331 0 3,907
ISHARES TR US TREAS BD ETF 46429B267   529 24 SH   SOLE   0 0 24
JOHNSON & JOHNSON COM 478160104   8,760,100 56,245 SH   SOLE   56,081 0 164
JPMORGAN CHASE & CO COM 46625H100   7,713,335 53,188 SH   SOLE   53,031 0 157
KROGER CO COM 501044101   9,084,146 202,998 SH   SOLE   202,380 0 618
LOWES COS INC COM 548661107   635,533 3,058 SH   SOLE   3,058 0 0
M & T BK CORP COM 55261F104   5,749,455 45,468 SH   SOLE   45,330 0 138
MCDONALDS CORP COM 580135101   15,463,126 58,697 SH   SOLE   58,531 0 166
MEDTRONIC PLC SHS G5960L103   10,246,001 129,643 SH   SOLE   129,254 0 389
MERCK & CO INC COM 58933Y105   10,398,314 100,311 SH   SOLE   100,017 0 294
MICROSOFT CORP COM 594918104   25,169,065 79,712 SH   SOLE   79,510 0 202
MISSION PRODUCE INC COM 60510V108   2,059,420 212,750 SH   SOLE   212,750 0 0
NEXTERA ENERGY INC COM 65339F101   1,500,998 26,200 SH   SOLE   26,200 0 0
NIKE INC CL B 654106103   10,224,351 106,557 SH   SOLE   106,269 0 288
NORTHERN TR CORP COM 665859104   4,202,158 59,851 SH   SOLE   59,673 0 178
NUVEEN AMT FREE QLTY MUN INC COM 670657105   104,388 10,745 SH   SOLE   10,745 0 0
NVIDIA CORPORATION COM 67066G104   315,368 725 SH   SOLE   725 0 0
PEPSICO INC COM 713448108   11,724,986 69,198 SH   SOLE   69,011 0 187
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   918,084 9,168 SH   SOLE   9,168 0 0
PNC FINL SVCS GROUP INC COM 693475105   6,307,456 51,376 SH   SOLE   51,225 0 151
PROCTER AND GAMBLE CO COM 742718109   10,036,863 68,812 SH   SOLE   68,615 0 197
PROSHARES TR HD REPLICATION 74347X294   403,160 8,492 SH   SOLE   8,492 0 0
PROSHARES TR HD REPLICATION 74347X294   5,270 111 SH   SOLE   0 0 111
PROSHARES TR S&P 500 DV ARIST 74348A467   2,125,353 24,002 SH   SOLE   23,877 0 125
REPUBLIC SVCS INC COM 760759100   12,770,367 89,283 SH   SOLE   89,029 0 254
RTX CORPORATION COM 75513E101   5,087,820 70,694 SH   SOLE   70,485 0 209
S&P GLOBAL INC COM 78409V104   1,501,296 4,109 SH   SOLE   4,109 0 0
SCHWAB CHARLES CORP COM 808513105   11,569,208 210,732 SH   SOLE   210,082 0 650
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,317,650 27,174 SH   SOLE   26,817 0 357
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   613,260 23,389 SH   SOLE   22,819 0 570
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,121,782 35,421 SH   SOLE   34,693 0 728
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   1,415,723 44,049 SH   SOLE   43,370 0 679
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   2,122 66 SH   SOLE   0 0 66
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,010,456 22,845 SH   SOLE   22,845 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,663,922 37,647 SH   SOLE   37,647 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   892,869 17,646 SH   SOLE   17,646 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,685,867 64,845 SH   SOLE   63,979 0 866
SCHWAB STRATEGIC TR US TIPS ETF 808524870   379,231 7,511 SH   SOLE   7,511 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   229,827 3,900 SH   SOLE   3,900 0 0
SPDR GOLD TR GOLD SHS 78463V107   483,147 2,818 SH   SOLE   2,818 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   20,910,499 622,892 SH   SOLE   619,964 1,000 1,928
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,264 127 SH   SOLE   0 0 127
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,040,890 2,426 SH   SOLE   2,426 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   675,241 27,742 SH   SOLE   27,742 0 0
STARBUCKS CORP COM 855244109   1,148,542 12,584 SH   SOLE   12,579 0 5
TESLA INC COM 88160R101   643,566 2,572 SH   SOLE   2,572 0 0
TEXAS INSTRS INC COM 882508104   10,507,415 66,080 SH   SOLE   65,883 0 197
UNION PAC CORP COM 907818108   6,971,028 34,234 SH   SOLE   34,130 0 104
UNITED PARCEL SERVICE INC CL B 911312106   321,249 2,061 SH   SOLE   2,061 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   6,802,253 284,971 SH   SOLE   283,715 0 1,256
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   311 13 SH   SOLE   0 0 13
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,085 15 SH   SOLE   0 0 15
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   12,517,975 166,529 SH   SOLE   165,369 0 1,160
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   226 3 SH   SOLE   0 0 3
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,133,881 30,580 SH   SOLE   30,515 0 65
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   876,370 17,816 SH   SOLE   17,816 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   4,514,675 62,435 SH   SOLE   62,435 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   807,637 16,886 SH   SOLE   16,886 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   305,150 2,122 SH   SOLE   2,122 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   2,738,894 10,058 SH   SOLE   9,948 110 0
VANGUARD INDEX FDS MID CAP ETF 922908629   21,864,645 104,997 SH   SOLE   104,683 200 114
VANGUARD INDEX FDS MID CAP ETF 922908629   7,705 37 SH   SOLE   0 0 37
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,313,132 17,197 SH   SOLE   17,197 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   741,948 4,652 SH   SOLE   4,652 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   288,929 1,349 SH   SOLE   1,349 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,065,184 23,846 SH   SOLE   23,844 0 2
VANGUARD INDEX FDS VALUE ETF 922908744   7,195,149 52,165 SH   SOLE   49,700 875 1,590
VANGUARD INDEX FDS VALUE ETF 922908744   2,207 16 SH   SOLE   0 0 16
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,051,520 52,698 SH   SOLE   52,571 0 127
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,064 53 SH   SOLE   0 0 53
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,054,074 11,312 SH   SOLE   10,999 0 313
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,236,616 57,042 SH   SOLE   56,034 0 1,008
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   759,122 17,339 SH   SOLE   17,339 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   653,580 8,697 SH   SOLE   8,502 0 195
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,833,259 18,144 SH   SOLE   18,144 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,881,288 65,903 SH   SOLE   64,809 0 1,094
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   426,402 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   249,931 4,955 SH   SOLE   4,955 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   8,502,897 262,354 SH   SOLE   261,571 0 783
VISA INC COM CL A 92826C839   297,633 1,294 SH   SOLE   1,294 0 0
WAFD INC COM 938824109   405,616 15,832 SH   SOLE   15,832 0 0
WALMART INC COM 931142103   13,435,266 84,007 SH   SOLE   83,759 0 248
WELLS FARGO CO NEW COM 949746101   332,437 8,136 SH   SOLE   8,136 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   571,965 9,506 SH   SOLE   9,506 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   7,462 124 SH   SOLE   0 0 124