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
ABBOTT LABS COM 002824100 2,480 17,622 SH   SOLE   17,622 0 0
ABBVIE INC COM 00287Y109 3,256 24,046 SH   SOLE   24,046 0 0
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 43 11,207 SH   SOLE   11,207 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,985 12,025 SH   SOLE   12,025 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 353 622 SH   SOLE   622 0 0
ADVANCED MICRO DEVICES INC COM 007903107 316 2,195 SH   SOLE   2,195 0 0
ADVISORSHARES TR PURE US CANNABIS 00768Y453 309 12,070 SH   SOLE   12,070 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 955 5,984 SH   SOLE   5,984 0 0
ALPHABET INC CAP STK CL C 02079K107 414 143 SH   SOLE   143 0 0
ALPHABET INC CAP STK CL A 02079K305 687 237 SH   SOLE   237 0 0
ALTRIA GROUP INC COM 02209S103 9 199 SH   DFND   0 0 199
ALTRIA GROUP INC COM 02209S103 342 7,214 SH   SOLE   7,214 0 0
AMAZON COM INC COM 023135106 357 107 SH   SOLE   107 0 0
AMERICOLD RLTY TR COM 03064D108 2,569 78,360 SH   SOLE   78,360 0 0
APPLE INC COM 037833100 3,212 18,087 SH   SOLE   18,087 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 879 1,104 SH   SOLE   1,104 0 0
BADGER METER INC COM 056525108 979 9,190 SH   SOLE   9,190 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,412 11,410 SH   SOLE   11,410 0 0
BK OF AMERICA CORP COM 060505104 19 433 SH   DFND   0 0 433
BK OF AMERICA CORP COM 060505104 244 5,486 SH   SOLE   5,486 0 0
BORGWARNER INC COM 099724106 3,609 80,080 SH   SOLE   80,080 0 0
BP PLC SPONSORED ADR 055622104 304 11,397 SH   SOLE   11,397 0 0
BUNGE LIMITED COM G16962105 2,506 26,840 SH   SOLE   26,840 0 0
CATERPILLAR INC COM 149123101 994 4,810 SH   SOLE   4,810 0 0
CBRE GBL REAL ESTATE INC FD COM 12504G100 109 11,150 SH   SOLE   11,150 0 0
CHEVRON CORP NEW COM 166764100 17 142 SH   DFND   0 0 142
CHEVRON CORP NEW COM 166764100 6,076 51,777 SH   SOLE   51,777 0 0
CISCO SYS INC COM 17275R102 14 228 SH   DFND   0 0 228
CISCO SYS INC COM 17275R102 4,803 75,800 SH   SOLE   75,800 0 0
COGNEX CORP COM 192422103 811 10,429 SH   SOLE   10,429 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 1,490 5,904 SH   SOLE   5,904 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,521 2,679 SH   SOLE   2,679 0 0
CYRUSONE INC COM 23283R100 2,553 28,455 SH   SOLE   28,455 0 0
DANAHER CORPORATION COM 235851102 1,049 3,189 SH   SOLE   3,189 0 0
DEERE & CO COM 244199105 1,213 3,537 SH   SOLE   3,537 0 0
DISNEY WALT CO COM 254687106 521 3,365 SH   SOLE   3,365 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 13 120 SH   DFND   0 0 120
DUKE ENERGY CORP NEW COM NEW 26441C204 2,906 27,700 SH   SOLE   27,700 0 0
EDISON INTL COM 281020107 311 4,559 SH   SOLE   4,559 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 347 2,676 SH   SOLE   2,676 0 0
EMERSON ELEC CO COM 291011104 2,437 26,215 SH   SOLE   26,215 0 0
EXXON MOBIL CORP COM 30231G102 10 165 SH   DFND   0 0 165
EXXON MOBIL CORP COM 30231G102 3,869 63,230 SH   SOLE   63,230 0 0
FORTIVE CORP COM 34959J108 906 11,870 SH   SOLE   11,870 0 0
GENERAL DYNAMICS CORP COM 369550108 10 50 SH   DFND   0 0 50
GENERAL DYNAMICS CORP COM 369550108 3,473 16,660 SH   SOLE   16,660 0 0
GLOBAL X FDS GLBL X MLP ETF 37954Y343 521 14,907 SH   SOLE   14,907 0 0
GOLD TR ISHARES NEW 464285204 4,313 123,891 SH   SOLE   123,891 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 3,065 8,012 SH   SOLE   8,012 0 0
HONEYWELL INTL INC COM 438516106 3,845 18,442 SH   SOLE   18,442 0 0
IDEX CORP COM 45167R104 898 3,801 SH   SOLE   3,801 0 0
ILLUMINA INC COM 452327109 301 790 SH   SOLE   790 0 0
INTEL CORP COM 458140100 13 260 SH   DFND   0 0 260
INTEL CORP COM 458140100 3,090 59,997 SH   SOLE   59,997 0 0
INTUIT COM 461202103 1,170 1,819 SH   SOLE   1,819 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 439 1,104 SH   SOLE   1,104 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 205 2,890 SH   SOLE   2,890 0 0
ISHARES TR CALIF MUN BD ETF 464288356 290 4,650 SH   SOLE   4,650 0 0
ISHARES TR NATIONAL MUN ETF 464288414 297 2,550 SH   SOLE   2,550 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 311 6,357 SH   SOLE   6,357 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 355 4,150 SH   SOLE   4,150 0 0
ISHARES TR RUS 1000 ETF 464287622 650 2,458 SH   SOLE   2,458 0 0
ISHARES TR CORE S&P500 ETF 464287200 699 1,466 SH   SOLE   1,466 0 0
ISHARES TR GLOBAL TECH ETF 464287291 807 12,532 SH   SOLE   12,532 0 0
ISHARES TR CORE 1 5 YR USD 46432F859 1,527 30,277 SH   SOLE   30,277 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 2,623 32,763 SH   SOLE   32,763 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 2,687 33,211 SH   SOLE   33,211 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,127 27,414 SH   SOLE   27,414 0 0
ISHARES TR TIPS BD ETF 464287176 8,122 62,861 SH   SOLE   62,861 0 0
ISHARES TR CORE S&P SCP ETF 464287804 8,500 74,226 SH   SOLE   74,226 0 0
ISHARES TR EAFE VALUE ETF 464288877 8,851 175,658 SH   SOLE   175,658 0 0
ISHARES TR EAFE GRWTH ETF 464288885 10,218 92,644 SH   SOLE   92,644 0 0
ISHARES TR FALN ANGLS USD 46435G474 11,875 396,227 SH   SOLE   396,227 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 12,735 118,024 SH   SOLE   118,024 0 0
ISHARES TR US TREAS BD ETF 46429B267 17,624 660,554 SH   SOLE   660,554 0 0
ISHARES TR CORE TOTAL USD 46434V613 18,871 356,530 SH   SOLE   356,530 0 0
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 1,054 34,137 SH   SOLE   34,137 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 2,124 42,515 SH   SOLE   42,515 0 0
KINDER MORGAN INC DEL COM 49456B101 2,188 137,979 SH   SOLE   137,979 0 0
LILLY ELI & CO COM 532457108 13 46 SH   DFND   0 0 46
LILLY ELI & CO COM 532457108 221 800 SH   SOLE   800 0 0
LOCKHEED MARTIN CORP COM 539830109 1,056 2,972 SH   SOLE   2,972 0 0
M & T BK CORP COM 55261F104 237 1,545 SH   SOLE   1,545 0 0
MARRIOTT INTL INC NEW CL A 571903202 334 2,020 SH   SOLE   2,020 0 0
MCDONALDS CORP COM 580135101 2,874 10,722 SH   SOLE   10,722 0 0
MEDTRONIC PLC SHS G5960L103 12 117 SH   DFND   0 0 117
MEDTRONIC PLC SHS G5960L103 2,125 20,541 SH   SOLE   20,541 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 1,085 12,463 SH   SOLE   12,463 0 0
MICROSOFT CORP COM 594918104 11 34 SH   DFND   0 0 34
MICROSOFT CORP COM 594918104 5,895 17,527 SH   SOLE   17,527 0 0
MORNINGSTAR INC COM 617700109 616 1,800 SH   SOLE   1,800 0 0
NIKE INC CL B 654106103 759 4,557 SH   SOLE   4,557 0 0
NORTHROP GRUMMAN CORP COM 666807102 222 574 SH   SOLE   574 0 0
NUCOR CORP COM 670346105 346 3,030 SH   SOLE   3,030 0 0
NVIDIA CORPORATION COM 67066G104 950 3,230 SH   SOLE   3,230 0 0
ORACLE CORP COM 68389X105 3,121 35,785 SH   SOLE   35,785 0 0
PEPSICO INC COM 713448108 566 3,260 SH   SOLE   3,260 0 0
PFIZER INC COM 717081103 17 288 SH   DFND   0 0 288
PFIZER INC COM 717081103 405 6,855 SH   SOLE   6,855 0 0
PNC FINL SVCS GROUP INC COM 693475105 221 1,100 SH   SOLE   1,100 0 0
PUBLIC STORAGE COM 74460D109 2,571 6,865 SH   SOLE   6,865 0 0
QUALCOMM INC COM 747525103 3,285 17,965 SH   SOLE   17,965 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 15 171 SH   DFND   0 0 171
RAYTHEON TECHNOLOGIES CORP COM 75513E101 314 3,649 SH   SOLE   3,649 0 0
ROCKWELL AUTOMATION INC COM 773903109 1,061 3,040 SH   SOLE   3,040 0 0
ROYAL BK CDA COM 780087102 212 2,000 SH   SOLE   2,000 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 273 6,300 SH   SOLE   6,300 0 0
SCHWAB CHARLES CORP COM 808513105 4,881 58,038 SH   SOLE   58,038 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,854 25,256 SH   SOLE   25,256 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,457 191,857 SH   SOLE   191,857 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 13,751 83,978 SH   SOLE   83,978 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 23,435 320,070 SH   SOLE   320,070 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 5,130 92,431 SH   SOLE   92,431 0 0
SEMPRA COM 816851109 2,858 21,602 SH   SOLE   21,602 0 0
SKYLINE CHAMPION CORPORATION COM 830830105 309 3,910 SH   SOLE   3,910 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 812 22,249 SH   SOLE   22,249 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,428 3,006 SH   SOLE   3,006 0 0
STRYKER CORPORATION COM 863667101 917 3,430 SH   SOLE   3,430 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 923 7,670 SH   SOLE   7,670 0 0
TESLA INC COM 88160R101 1,950 1,845 SH   SOLE   1,845 0 0
TEXAS INSTRS INC COM 882508104 320 1,700 SH   SOLE   1,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102 514 1,024 SH   SOLE   1,024 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,991 37,000 SH   SOLE   37,000 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 5,907 67,412 SH   SOLE   67,412 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 864 3,577 SH   SOLE   3,577 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 6,553 20,421 SH   SOLE   20,421 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 642 12,484 SH   SOLE   12,484 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 643 2,940 SH   SOLE   2,940 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 11,161 211,229 SH   SOLE   211,229 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 20,888 257,046 SH   SOLE   257,046 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,277 25,006 SH   SOLE   25,006 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,352 45,270 SH   SOLE   45,270 0 0
VISA INC COM CL A 92826C839 494 2,282 SH   SOLE   2,282 0 0
VOLITIONRX LTD COM 928661107 175 55,596 SH   SOLE   55,596 0 0
WALMART INC COM 931142103 2,569 17,754 SH   SOLE   17,754 0 0
WELLS FARGO CO NEW COM 949746101 631 13,148 SH   SOLE   13,148 0 0