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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
3M CO COM 88579Y101   212,048 1,940 SH   SOLE   1,940 0 0
ABBOTT LABS COM 002824100   372,600 3,385 SH   SOLE   3,385 0 0
ABBVIE INC COM 00287Y109   632,123 4,079 SH   SOLE   4,079 0 0
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   296,100 15,000 SH   SOLE   15,000 0 0
ALASKA AIR GROUP INC COM 011659109   370,365 9,480 SH   SOLE   9,480 0 0
ALLSTATE CORP COM 020002101   711,112 5,048 SH   SOLE   5,048 0 0
ALPHABET INC CAP STK CL A 02079K305   509,777 3,649 SH   SOLE   3,649 0 0
ALPHABET INC CAP STK CL C 02079K107   1,051,479 7,461 SH   SOLE   7,461 0 0
AMAZON COM INC COM 023135106   2,031,156 13,368 SH   SOLE   13,365 0 3
APPLE INC COM 037833100   4,845,475 25,167 SH   SOLE   25,068 0 99
AT&T INC COM 00206R102   425,122 25,335 SH   SOLE   25,335 0 0
BECTON DICKINSON & CO COM 075887109   11,383,405 46,686 SH   SOLE   46,540 0 146
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,048,656 5,744 SH   SOLE   5,744 0 0
BLACKROCK INC COM 09247X101   16,295,227 20,073 SH   SOLE   20,010 0 63
BOEING CO COM 097023105   380,501 1,460 SH   SOLE   1,460 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   9,366,730 162,508 SH   SOLE   161,997 0 511
CATERPILLAR INC COM 149123101   23,373,060 79,051 SH   SOLE   78,845 0 206
CENCORA INC COM 03073E105   503,181 2,450 SH   SOLE   2,450 0 0
CHEVRON CORP NEW COM 166764100   10,758,789 72,129 SH   SOLE   71,918 0 211
CISCO SYS INC COM 17275R102   305,849 6,054 SH   SOLE   6,054 0 0
COLGATE PALMOLIVE CO COM 194162103   687,101 8,620 SH   SOLE   8,620 0 0
COMCAST CORP NEW CL A 20030N101   5,248,626 119,695 SH   SOLE   119,315 0 380
COSTCO WHSL CORP NEW COM 22160K105   1,769,674 2,681 SH   SOLE   2,681 0 0
CUMMINS INC COM 231021106   373,334 1,558 SH   SOLE   1,558 0 0
CVS HEALTH CORP COM 126650100   11,917,986 150,937 SH   SOLE   150,449 0 488
DEERE & CO COM 244199105   14,959,051 37,273 SH   SOLE   37,161 0 112
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   358,419 12,262 SH   SOLE   12,262 0 0
DISCOVER FINL SVCS COM 254709108   585,042 5,205 SH   SOLE   5,205 0 0
DUPONT DE NEMOURS INC COM 26614N102   8,531,928 110,905 SH   SOLE   110,556 0 349
EMERSON ELEC CO COM 291011104   1,222,757 12,563 SH   SOLE   12,563 0 0
EXXON MOBIL CORP COM 30231G102   13,817,190 138,200 SH   SOLE   137,818 0 382
GABELLI CONV & INC SECS FD I COM 36240B109   36,000 10,000 SH   SOLE   10,000 0 0
HOME DEPOT INC COM 437076102   18,594,520 53,656 SH   SOLE   53,488 0 168
INTERNATIONAL BUSINESS MACHS COM 459200101   7,858,516 48,050 SH   SOLE   47,910 0 140
INVESCO DB MULTI-SECTOR COMM PRECIOUS METAL 46140H502   247,503 4,955 SH   SOLE   4,955 0 0
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   9,500,576 292,505 SH   SOLE   289,864 700 1,941
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735   618 19 SH   SOLE   0 0 19
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   18,891,920 585,614 SH   SOLE   584,753 0 861
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   3,581 111 SH   SOLE   0 0 111
INVESCO QQQ TR UNIT SER 1 46090E103   667,006 1,629 SH   SOLE   1,629 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   204,760 500 PRN Put SOLE   0 0 0
ISHARES SILVER TR ISHARES 46428Q109   240,125 11,025 SH   SOLE   11,025 0 0
ISHARES TR CORE INTL AGGR 46435G672   204,230 4,101 SH   SOLE   4,101 0 0
ISHARES TR CORE MSCI EAFE 46432F842   19,838,204 281,993 SH   SOLE   275,759 410 5,824
ISHARES TR CORE MSCI EAFE 46432F842   2,885 41 SH   SOLE   0 0 41
ISHARES TR CORE S&P MCP ETF 464287507   708,673 2,557 SH   SOLE   1,731 0 826
ISHARES TR CORE S&P SCP ETF 464287804   5,411,429 49,990 SH   SOLE   49,120 0 870
ISHARES TR CORE S&P US GWT 464287671   16,593,124 159,396 SH   SOLE   158,317 305 774
ISHARES TR CORE S&P US GWT 464287671   3,644 35 SH   SOLE   0 0 35
ISHARES TR CORE S&P500 ETF 464287200   7,120,010 14,907 SH   SOLE   12,056 0 2,851
ISHARES TR EAFE SML CP ETF 464288273   338,222 5,464 SH   SOLE   5,464 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   31,944,169 622,997 SH   SOLE   618,125 0 4,872
ISHARES TR ISHS 1-5YR INVS 464288646   1,026 20 SH   SOLE   0 0 20
ISHARES TR JPMORGAN USD EMG 464288281   484,362 5,439 SH   SOLE   5,396 0 43
ISHARES TR MSCI EAFE MIN VL 46429B689   17,488,087 252,208 SH   SOLE   250,446 465 1,297
ISHARES TR MSCI EAFE MIN VL 46429B689   2,843 41 SH   SOLE   0 0 41
ISHARES TR PFD AND INCM SEC 464288687   447,769 14,356 SH   SOLE   14,356 0 0
ISHARES TR U.S. MED DVC ETF 464288810   515,577 9,553 SH   SOLE   9,553 0 0
ISHARES TR US TREAS BD ETF 46429B267   15,596,033 676,911 SH   SOLE   671,534 0 5,377
ISHARES TR US TREAS BD ETF 46429B267   576 25 SH   SOLE   0 0 25
JOHNSON & JOHNSON COM 478160104   8,793,502 56,102 SH   SOLE   55,932 0 170
JPMORGAN CHASE & CO COM 46625H100   8,917,188 52,423 SH   SOLE   52,260 0 163
KROGER CO COM 501044101   9,123,788 199,602 SH   SOLE   198,957 0 645
LOCKHEED MARTIN CORP COM 539830109   354,723 783 SH   SOLE   783 0 0
LOWES COS INC COM 548661107   682,796 3,068 SH   SOLE   3,068 0 0
M & T BK CORP COM 55261F104   6,137,253 44,771 SH   SOLE   44,627 0 144
MCDONALDS CORP COM 580135101   17,238,034 58,136 SH   SOLE   57,961 0 175
MEDTRONIC PLC SHS G5960L103   10,764,640 129,583 SH   SOLE   129,173 0 410
MERCK & CO INC COM 58933Y105   11,360,894 103,492 SH   SOLE   103,185 0 307
MICROSOFT CORP COM 594918104   29,226,732 77,722 SH   SOLE   77,511 0 211
MISSION PRODUCE INC COM 60510V108   2,146,648 212,750 SH   SOLE   212,750 0 0
NEXTERA ENERGY INC COM 65339F101   1,598,434 26,316 SH   SOLE   26,316 0 0
NIKE INC CL B 654106103   11,591,079 106,404 SH   SOLE   106,101 0 303
NORFOLK SOUTHN CORP COM 655844108   236,380 1,000 SH   SOLE   1,000 0 0
NORTHERN TR CORP COM 665859104   5,078,974 59,670 SH   SOLE   59,483 0 187
NUVEEN AMT FREE QLTY MUN INC COM 670657105   118,195 10,745 SH   SOLE   10,745 0 0
NVIDIA CORPORATION COM 67066G104   322,423 651 SH   SOLE   651 0 0
OGE ENERGY CORP COM 670837103   264,698 7,578 SH   SOLE   7,578 0 0
PEPSICO INC COM 713448108   11,697,901 68,370 SH   SOLE   68,174 0 196
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   837,230 8,351 SH   SOLE   8,351 0 0
PNC FINL SVCS GROUP INC COM 693475105   7,880,789 50,893 SH   SOLE   50,734 0 159
PROCTER AND GAMBLE CO COM 742718109   9,919,796 67,693 SH   SOLE   67,488 0 205
PROSHARES TR HD REPLICATION 74347X294   410,882 8,446 SH   SOLE   8,446 0 0
PROSHARES TR HD REPLICATION 74347X294   5,644 116 SH   SOLE   0 0 116
PROSHARES TR S&P 500 DV ARIST 74348A467   2,465,098 25,894 SH   SOLE   25,769 0 125
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   225,094 3,681 SH   SOLE   3,681 0 0
REPUBLIC SVCS INC COM 760759100   14,572,842 88,084 SH   SOLE   87,818 0 266
ROYAL BK CDA COM 780087102   328,066 3,244 SH   SOLE   3,244 0 0
RTX CORPORATION COM 75513E101   10,664,541 126,748 SH   SOLE   126,356 0 392
S&P GLOBAL INC COM 78409V104   3,829,443 8,693 SH   SOLE   8,693 0 0
SCHWAB CHARLES CORP COM 808513105   14,401,115 209,319 SH   SOLE   208,645 0 674
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,579,852 28,543 SH   SOLE   28,186 0 357
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   683,476 25,183 SH   SOLE   24,613 0 570
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   1,260,822 37,380 SH   SOLE   36,652 0 728
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   1,633,302 46,853 SH   SOLE   46,174 0 679
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   2,301 66 SH   SOLE   0 0 66
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,063,291 22,808 SH   SOLE   22,808 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,507,592 46,074 SH   SOLE   46,074 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   995,145 17,644 SH   SOLE   17,644 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,159,173 66,875 SH   SOLE   66,009 0 866
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   412,849 6,519 SH   SOLE   6,519 0 0
SPDR GOLD TR GOLD SHS 78463V107   473,720 2,478 SH   SOLE   2,478 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   22,764,046 642,871 SH   SOLE   638,148 1,000 3,723
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,604 130 SH   SOLE   0 0 130
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,131,948 2,372 SH   SOLE   2,372 0 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649   12,689,877 494,925 SH   SOLE   490,712 0 4,213
STARBUCKS CORP COM 855244109   1,232,961 12,842 SH   SOLE   12,837 0 5
TESLA INC COM 88160R101   633,873 2,551 SH   SOLE   2,551 0 0
TEXAS INSTRS INC COM 882508104   11,353,600 66,606 SH   SOLE   66,402 0 204
UNION PAC CORP COM 907818108   8,491,224 34,571 SH   SOLE   34,463 0 108
UNITED PARCEL SERVICE INC CL B 911312106   574,310 3,653 SH   SOLE   3,653 0 0
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   7,267,201 286,675 SH   SOLE   284,627 0 2,048
VANECK ETF TRUST JP MRGAN EM LOC 92189H300   355 14 SH   SOLE   0 0 14
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,434,427 44,965 SH   SOLE   44,965 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,146 15 SH   SOLE   0 0 15
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,357,849 17,630 SH   SOLE   17,630 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   232 3 SH   SOLE   0 0 3
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,525,115 34,332 SH   SOLE   34,267 0 65
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   680,590 13,766 SH   SOLE   13,766 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   816,380 16,538 SH   SOLE   16,538 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   348,900 2,122 SH   SOLE   2,122 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   8,070,445 25,960 SH   SOLE   25,560 110 290
VANGUARD INDEX FDS MID CAP ETF 922908629   24,536,993 105,472 SH   SOLE   104,758 200 514
VANGUARD INDEX FDS MID CAP ETF 922908629   8,608 37 SH   SOLE   0 0 37
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,497,401 16,947 SH   SOLE   16,947 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   483,580 2,687 SH   SOLE   2,687 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   323,731 1,339 SH   SOLE   1,339 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   5,491,322 23,149 SH   SOLE   23,146 0 3
VANGUARD INDEX FDS VALUE ETF 922908744   9,232,156 61,754 SH   SOLE   59,289 875 1,590
VANGUARD INDEX FDS VALUE ETF 922908744   2,542 17 SH   SOLE   0 0 17
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,485,665 60,478 SH   SOLE   59,470 0 1,008
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,272,534 53,358 SH   SOLE   53,231 0 127
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   2,300 54 SH   SOLE   0 0 54
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,184,289 11,511 SH   SOLE   11,198 0 313
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   759,264 16,378 SH   SOLE   16,378 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   689,318 8,909 SH   SOLE   8,714 0 195
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,091,837 18,145 SH   SOLE   18,145 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,561,699 74,357 SH   SOLE   73,263 0 1,094
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   460,698 4,127 SH   SOLE   4,127 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725   300,558 5,437 SH   SOLE   5,437 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,071,494 2,214 SH   SOLE   2,214 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   9,839,618 260,998 SH   SOLE   260,176 0 822
VISA INC COM CL A 92826C839   271,806 1,044 SH   SOLE   1,044 0 0
WAFD INC COM 938824109   521,823 15,832 SH   SOLE   15,832 0 0
WALMART INC COM 931142103   13,373,979 84,536 SH   SOLE   84,278 0 258
WELLS FARGO CO NEW COM 949746101   441,061 8,961 SH   SOLE   8,961 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   607,160 9,287 SH   SOLE   9,287 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109   8,238 126 SH   SOLE   0 0 126