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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares TIPS Bond ETF COM 464287176   395,278 3,714 SH   SOLE   3,432 0 282
iShares Core US Aggregate Bond COM 464287226   421,883 4,350 SH   SOLE   4,350 0 0
iShares Intermediate Govt/Cred COM 464288612   6,240,019 60,902 SH   SOLE   52,595 0 8,307
Schwab U.S. Aggregate Bond ETF COM 808524839   280,058 6,135 SH   SOLE   6,135 0 0
SPDR Short Term Corporate Bond COM 78464A474   3,229,038 109,906 SH   SOLE   109,006 0 900
3M COM 88579Y101   664,717 5,543 SH   SOLE   5,543 0 0
AbbVie COM 00287Y109   656,867 4,065 SH   SOLE   4,065 0 0
Accenture Ltd. Cl A COM G1151C101   9,517,382 35,667 SH   SOLE   34,378 0 1,289
Adobe COM 00724F101   11,193,324 33,261 SH   SOLE   31,667 0 1,594
Alphabet COM 02079K305   23,257,163 263,597 SH   SOLE   246,495 0 17,102
Alphabet Cl C COM 02079K107   19,384,222 218,463 SH   SOLE   204,076 0 14,387
Amazon.com COM 023135106   41,327,664 491,996 SH   SOLE   462,097 0 29,899
American Tower COM 03027X100   12,850,379 60,655 SH   SOLE   56,245 0 4,410
Amgen COM 031162100   9,999,462 38,073 SH   SOLE   35,356 0 2,717
Apple COM 037833100   93,680,628 721,008 SH   SOLE   673,462 0 47,546
Applied Materials COM 038222105   7,027,174 72,162 SH   SOLE   69,343 0 2,819
Automatic Data Processing COM 053015103   1,790,733 7,497 SH   SOLE   7,447 0 50
AutoZone COM 053332102   300,874 122 SH   SOLE   122 0 0
Becton Dickinson COM 075887109   251,757 990 SH   SOLE   990 0 0
Booking Holdings COM 09857l108   11,464,928 5,689 SH   SOLE   5,189 0 500
Canadian Pacific Railway LTD COM 13645t100   217,430 2,915 SH   SOLE   2,915 0 0
Charles Schwab COM 808513105   5,002,927 60,088 SH   SOLE   60,088 0 0
Chipotle Mexican Grill COM 169656105   6,063,331 4,370 SH   SOLE   4,111 0 259
Constellation Brands COM 21036P108   590,499 2,548 SH   SOLE   2,548 0 0
CoStar Group COM 22160n109   13,378,791 173,121 SH   SOLE   163,629 0 9,492
Costco Wholesale COM 22160K105   35,848,592 78,529 SH   SOLE   73,390 0 5,139
Dollar General COM 256677105   10,760,387 43,697 SH   SOLE   41,728 0 1,969
Ecolab COM 278865100   8,841,026 60,738 SH   SOLE   54,792 0 5,946
Eli Lilly COM 532457108   32,682,348 89,335 SH   SOLE   83,716 0 5,619
EPAM Systems COM 29414b104   1,461,720 4,460 SH   SOLE   4,460 0 0
Equinix COM 29444U700   14,225,954 21,718 SH   SOLE   20,183 0 1,535
Estee Lauder COM 518439104   12,305,022 49,595 SH   SOLE   47,218 0 2,377
Gilead Sciences COM 375558103   495,354 5,770 SH   SOLE   5,770 0 0
Home Depot COM 437076102   26,901,561 85,169 SH   SOLE   78,489 0 6,680
iShares Russell 1000 Growth In COM 464287614   21,523,560 100,465 SH   SOLE   97,737 0 2,728
iShares Russell 1000 Index ETF COM 464287622   7,319,425 34,768 SH   SOLE   31,189 0 3,579
Lockheed Martin COM 539830109   326,435 671 SH   SOLE   671 0 0
Lowe's COM 548661107   395,093 1,983 SH   SOLE   1,983 0 0
Marriott International Cl A COM 571903202   215,890 1,450 SH   SOLE   1,200 0 250
Marsh & McLennan COM 571748102   22,456,315 135,704 SH   SOLE   124,707 0 10,997
MasterCard COM 57636Q104   654,742 1,883 SH   SOLE   1,883 0 0
Microsoft COM 594918104   100,542,045 419,240 SH   SOLE   389,360 0 29,880
Netflix COM 64110L106   526,361 1,785 SH   SOLE   1,785 0 0
NIKE Class B COM 654106103   7,270,659 62,137 SH   SOLE   59,496 0 2,641
NVIDIA COM 67066G104   20,808,592 142,388 SH   SOLE   134,041 0 8,347
PACCAR COM 693718108   1,161,908 11,740 SH   SOLE   7,820 0 3,920
Palo Alto Networks COM 697435105   16,015,843 114,776 SH   SOLE   106,748 0 8,028
Paychex COM 704326107   212,862 1,842 SH   SOLE   1,842 0 0
PayPal Holdings COM 70450Y103   408,589 5,737 SH   SOLE   4,887 0 850
PepsiCo COM 713448108   17,089,729 94,596 SH   SOLE   86,691 0 7,905
Salesforce COM 79466L302   14,172,810 106,892 SH   SOLE   99,040 0 7,852
Schwab U.S. Large-Cap Growth E COM 808524300   367,666 6,617 SH   SOLE   6,617 0 0
Seattle Genetics COM 81181c104   224,892 1,750 SH   SOLE   1,750 0 0
ServiceNow COM 81762P102   17,713,266 45,621 SH   SOLE   43,616 0 2,005
Sherwin-Williams COM 824348106   11,624,666 48,981 SH   SOLE   46,636 0 2,345
Starbucks COM 855244109   3,782,092 38,126 SH   SOLE   35,121 0 3,005
Stryker COM 863667101   11,681,983 47,781 SH   SOLE   43,715 0 4,066
Synopsys COM 871607107   7,194,562 22,533 SH   SOLE   21,664 0 869
Sysco COM 871829107   13,422,259 175,569 SH   SOLE   168,239 0 7,330
Technology Select Sector SPDR COM 81369Y803   488,692 3,927 SH   SOLE   3,927 0 0
Tesla Motors COM 88160R101   4,065,433 33,004 SH   SOLE   32,141 0 863
Thermo Fisher Scientific COM 883556102   26,684,638 48,457 SH   SOLE   44,738 0 3,719
TJX Companies COM 872540109   205,605 2,583 SH   SOLE   2,583 0 0
Trilogy International Partners COM 89621t108   1,623 10,000 SH   SOLE   10,000 0 0
United Parcel Service COM 911312106   12,751,189 73,350 SH   SOLE   71,264 0 2,086
UnitedHealth Group COM 91324P102   23,220,221 43,797 SH   SOLE   40,240 0 3,557
Vanguard Growth ETF COM 922908736   332,707 1,561 SH   SOLE   1,561 0 0
Vanguard Russell 1000 Growth I COM 92206c680   1,409,639 25,574 SH   SOLE   25,391 0 183
VISA Class A COM 92826C839   36,758,325 176,927 SH   SOLE   165,353 0 11,574
Waste Management COM 94106L109   244,494 1,558 SH   SOLE   1,433 0 125
Zoetis COM 98978V103   9,722,355 66,342 SH   SOLE   62,468 0 3,874
Abbott Labs COM 002824100   2,766,598 25,199 SH   SOLE   24,821 0 378
AFLAC COM 001055102   249,776 3,472 SH   SOLE   3,472 0 0
Aptiv COM G6095L109   10,766,852 115,611 SH   SOLE   108,745 0 6,866
Bank of America COM 060505104   18,711,289 564,954 SH   SOLE   536,754 0 28,200
Bank of Montreal COM 063671101   323,986 3,576 SH   SOLE   3,576 0 0
Berkshire Hathaway B COM 084670702   36,381,315 117,777 SH   SOLE   109,601 0 8,176
BlackRock COM 09247X101   551,614 778 SH   SOLE   778 0 0
Boeing COM 097023105   9,282,564 48,730 SH   SOLE   45,112 0 3,618
Bristol-Myers Squibb COM 110122108   19,065,056 264,976 SH   SOLE   250,362 0 14,614
Broadcom COM 11135F101   324,295 580 SH   SOLE   580 0 0
Caterpillar COM 149123101   16,057,713 67,030 SH   SOLE   63,367 0 3,663
Chevron COM 166764100   40,624,327 226,332 SH   SOLE   212,271 0 14,061
CIGNA COM 125523100   208,744 630 SH   SOLE   630 0 0
Cisco Systems COM 17275R102   16,019,673 336,265 SH   SOLE   322,387 0 13,878
Clorox COM 189054109   310,486 2,213 SH   SOLE   2,213 0 0
Coca-Cola COM 191216100   17,878,892 281,070 SH   SOLE   266,155 0 14,915
Colgate-Palmolive COM 194162103   2,095,184 26,592 SH   SOLE   26,131 0 461
Comcast Class A COM 20030N101   307,107 8,782 SH   SOLE   8,782 0 0
CVS Health Corporation COM 126650100   10,208,963 109,550 SH   SOLE   103,493 0 6,057
Danaher COM 235851102   29,722,727 111,984 SH   SOLE   105,001 0 6,983
Deere & Company COM 244199105   442,052 1,031 SH   SOLE   1,031 0 0
Dimensional US Marketwide Valu COM 25434v724   241,960 7,227 SH   SOLE   7,227 0 0
Emerson Electric COM 291011104   573,817 5,974 SH   SOLE   5,049 0 925
Energy Select Sector SPDR ETF COM 81369y506   279,904 3,200 SH   SOLE   3,200 0 0
EOG Resources COM 26875P101   18,474,506 142,638 SH   SOLE   132,797 0 9,841
Exxon Mobil COM 30231G102   1,626,634 14,747 SH   SOLE   13,937 0 810
First Republic Bank COM 33616C100   9,335,803 76,592 SH   SOLE   70,201 0 6,391
General Mills COM 370334104   560,583 6,686 SH   SOLE   5,801 0 885
General Motors COM 37045V100   3,227,155 95,932 SH   SOLE   93,138 0 2,794
Goldman Sachs Group COM 38141G104   266,119 775 SH   SOLE   775 0 0
Honeywell COM 438516106   13,705,574 63,955 SH   SOLE   59,426 0 4,529
Humana COM 444859102   13,273,916 25,916 SH   SOLE   24,502 0 1,414
Intel COM 458140100   290,994 11,010 SH   SOLE   9,335 0 1,675
iShares Russell 1000 Value Ind COM 464287598   26,252,658 173,113 SH   SOLE   167,298 0 5,815
Johnson & Johnson COM 478160104   34,414,435 194,817 SH   SOLE   182,960 0 11,857
Johnson Controls International COM g51502105   15,769,088 246,392 SH   SOLE   237,086 0 9,306
JPMorgan Chase COM 46625H100   31,672,996 236,189 SH   SOLE   217,847 0 18,342
L3Harris Technologies COM 502431109   11,818,428 56,762 SH   SOLE   53,057 0 3,705
LAM Research COM 512807108   12,388,537 29,475 SH   SOLE   27,104 0 2,371
Linde COM G5494J103   13,133,638 40,265 SH   SOLE   37,814 0 2,451
McDonald's COM 580135101   18,489,114 70,159 SH   SOLE   64,397 0 5,762
Medtronic COM G5960L103   15,681,642 201,771 SH   SOLE   188,434 0 13,337
Merck COM 58933Y105   819,365 7,385 SH   SOLE   7,385 0 0
Meta Platforms COM 30303m102   10,483,058 87,112 SH   SOLE   81,002 0 6,110
Mondelez International COM 609207105   18,601,496 279,092 SH   SOLE   260,455 0 18,637
Morgan Stanley COM 617446448   31,245,851 367,512 SH   SOLE   341,257 0 26,255
NextEra Energy COM 65339F101   28,348,272 339,094 SH   SOLE   317,210 0 21,884
NiSource COM 65473p105   9,549,944 348,284 SH   SOLE   332,704 0 15,580
Northrop Grumman COM 666807102   218,790 401 SH   SOLE   381 0 20
Oracle COM 68389X105   8,291,404 101,436 SH   SOLE   96,985 0 4,451
Pfizer COM 717081103   18,714,289 365,228 SH   SOLE   339,651 0 25,577
Procter & Gamble COM 742718109   29,876,572 197,127 SH   SOLE   186,776 0 10,351
Prologis COM 74340W103   26,741,061 237,213 SH   SOLE   221,146 0 16,067
Qualcomm COM 747525103   348,070 3,166 SH   SOLE   2,921 0 245
Raytheon Technologies COM 75513E101   14,694,171 145,602 SH   SOLE   136,504 0 9,098
Truist Financial COM 89832q109   9,726,141 226,032 SH   SOLE   208,974 0 17,058
U.S. Bancorp COM 902973304   1,098,667 25,193 SH   SOLE   24,288 0 905
Union Pacific COM 907818108   17,325,956 83,672 SH   SOLE   78,202 0 5,470
Valero Energy COM 91913Y100   21,167,123 166,854 SH   SOLE   156,661 0 10,193
Vanguard High Dividend Yield E COM 921946406   676,421 6,251 SH   SOLE   6,251 0 0
Vanguard Russell 1000 Value In COM 92206c714   1,798,792 27,017 SH   SOLE   27,017 0 0
Vanguard Value ETF COM 922908744   855,458 6,094 SH   SOLE   5,567 0 527
Verizon Communications COM 92343V104   9,299,001 236,015 SH   SOLE   220,539 0 15,476
Walmart, Inc. COM 931142103   15,046,413 106,118 SH   SOLE   99,591 0 6,527
Walt Disney COM 254687106   13,205,087 151,992 SH   SOLE   144,072 0 7,920
WEC Energy Group COM 92939U106   607,190 6,476 SH   SOLE   4,126 0 2,350
Xcel Energy COM 98389B100   340,945 4,863 SH   SOLE   4,863 0 0
iShares Core S&P Mid-Cap ETF COM 464287507   68,733,235 284,151 SH   SOLE   259,270 0 24,881
iShares Russell 2000 Fund ETF COM 464287655   5,909,109 33,890 SH   SOLE   33,799 0 91
iShares Russell 2000 Growth In COM 464287648   36,785,526 171,478 SH   SOLE   163,022 0 8,456
iShares Russell 2000 Value Ind COM 464287630   44,532,211 321,138 SH   SOLE   306,048 0 15,090
iShares Russell 2500 ETF COM 46435G268   353,434 6,651 SH   SOLE   6,651 0 0
iShares Russell Mid-Cap Value COM 464287473   10,761,429 102,159 SH   SOLE   97,581 0 4,578
iShares Russell Midcap Growth COM 464287481   16,369,065 195,802 SH   SOLE   177,600 0 18,202
iShares Russell Midcap Index E COM 464287499   30,221,569 448,059 SH   SOLE   427,726 0 20,333
iShares S&P Small Cap 600 Inde COM 464287804   2,662,167 28,129 SH   SOLE   28,129 0 0
iShares S&P SmlCap 600 Growth COM 464287887   239,508 2,216 SH   SOLE   1,879 0 337
Leafly Holdings COM 52178j105   46,059 70,653 SH   SOLE   70,653 0 0
Schwab US Small Cap ETF COM 808524607   1,071,408 26,448 SH   SOLE   26,448 0 0
SPDR S&P MidCap 400 ETF Trust COM 78467Y107   3,626,404 8,190 SH   SOLE   8,117 0 73
Tilray COM 88688t100   86,338 32,096 SH   SOLE   32,096 0 0
Vanguard Extended Market ETF COM 922908652   237,390 1,787 SH   SOLE   1,787 0 0
Vanguard Mid-Cap ETF COM 922908629   1,731,156 8,494 SH   SOLE   8,494 0 0
Vanguard Mid-Cap Value ETF COM 922908512   519,010 3,838 SH   SOLE   3,838 0 0
Vanguard Small Cap ETF COM 922908751   78,661,061 428,577 SH   SOLE   398,666 0 29,911
iShares MSCI ACWI ex US ETF COM 464288240   397,488 8,736 SH   SOLE   8,736 0 0
iShares MSCI EAFE ETF COM 464287465   129,776,167 1,977,090 SH   SOLE   1,864,513 0 112,577
JPM BetaBuilders Dev Asia ex-J COM 46641Q233   9,052,869 184,979 SH   SOLE   177,770 0 7,209
Nestle SA F ADR COM 641069406   707,034 6,130 SH   SOLE   6,130 0 0
Novo-Nordisk A/S ADR COM 670100205   282,049 2,084 SH   SOLE   2,084 0 0
PT Unilever Indonesia Tbk COM y9064h141   9,058 30,000 SH   SOLE   30,000 0 0
Schwab Emerging Markets Equity COM 808524706   5,598,476 236,522 SH   SOLE   228,840 0 7,682
Schwab International Equity ET COM 808524805   1,255,320 38,973 SH   SOLE   38,973 0 0
Stora Enso Oyj COM 86210m106   488,740 34,761 SH   SOLE   34,761 0 0
Vanguard FTSE All-World Ex-US COM 922042775   6,511,381 129,864 SH   SOLE   127,664 0 2,200
Vanguard FTSE Developed Market COM 921943858   67,140,804 1,599,733 SH   SOLE   1,511,632 0 88,101
Vanguard FTSE Emerging Markets COM 922042858   64,479,783 1,654,176 SH   SOLE   1,575,189 0 78,987
Altria Group COM 02209S103   995,063 21,769 SH   SOLE   21,769 0 0
Apple COM 037833100   1,355,830 10,435 SH   SOLE   10,435 0 0
Banner COM 06652V208   335,086 5,302 SH   SOLE   5,302 0 0
Berkshire Hathaway A COM 084670108   1,874,844 4 SH   SOLE   4 0 0
Berkshire Hathaway B COM 084670702   1,306,647 4,230 SH   SOLE   4,230 0 0
BIFS Technologies COM 05547a106   0 10,500 SH   SOLE   10,500 0 0
Calamos Strategic Total Return COM 128125101   144,842 10,793 SH   SOLE   10,793 0 0
Charles Schwab COM 808513105   367,711 4,416 SH   SOLE   4,416 0 0
CIM Real Estate Finance Trust COM 12558q103   81,862 12,460 SH   SOLE   12,460 0 0
Comm Services Select Sector SP COM 81369y852   305,408 6,364 SH   SOLE   6,364 0 0
Consumer Discretionary Select COM 81369Y407   269,912 2,090 SH   SOLE   2,090 0 0
Ferrari N V COM n3167y103   311,262 1,453 SH   SOLE   1,453 0 0
Gilead Sciences COM 375558103   7,335,882 85,450 SH   SOLE   85,450 0 0
Health Care Select Sector SPDR COM 81369Y209   434,720 3,200 SH   SOLE   3,200 0 0
Heritage Financial COM 42722X106   454,299 14,827 SH   SOLE   14,827 0 0
Invesco QQQ Trust COM 46090E103   1,679,942 6,309 SH   SOLE   6,309 0 0
iShares Dow Jones US ETF COM 464287846   458,839 4,910 SH   SOLE   4,910 0 0
iShares Dow Jones US Healthcar COM 464287762   333,359 1,175 SH   SOLE   1,175 0 0
iShares MSCI USA Min Vol Facto COM 46429b697   216,300 3,000 SH   SOLE   3,000 0 0
iShares Russell 1000 Growth In COM 464287614   410,912 1,918 SH   SOLE   1,693 0 225
iShares Russell 1000 Index ETF COM 464287622   1,992,993 9,467 SH   SOLE   9,405 0 62
iShares Russell 1000 Value Ind COM 464287598   575,512 3,795 SH   SOLE   2,935 0 860
iShares Russell 3000 COM 464287689   887,575 4,022 SH   SOLE   4,022 0 0
iShares S&P 500 Index Fund COM 464287200   3,637,941 9,469 SH   SOLE   9,469 0 0
Microsoft COM 594918104   2,144,710 8,943 SH   SOLE   7,365 0 1,578
Peabody Energy COM 704551100   239,894 9,080 SH   SOLE   9,080 0 0
Philip Morris Int'l COM 718172109   1,189,724 11,755 SH   SOLE   11,755 0 0
Procter & Gamble COM 742718109   356,469 2,352 SH   SOLE   2,352 0 0
Remitly Global Inc COM 75960p104   353,244 30,851 SH   SOLE   30,851 0 0
Riverview Bancorp Inc. COM 769397100   186,624 24,300 SH   SOLE   24,300 0 0
Schwab US Large Cap ETF COM 808524201   941,390 20,850 SH   SOLE   20,850 0 0
SPDR Dow Jones Industrial Avg COM 78467x109   281,940 851 SH   SOLE   851 0 0
SPDR S&P 500 ETF Trust COM 78462F103   5,055,770 13,220 SH   SOLE   13,220 0 0
Starbucks COM 855244109   458,304 4,620 SH   SOLE   4,620 0 0
Technology Select Sector SPDR COM 81369Y803   205,326 1,650 SH   SOLE   1,650 0 0
Timberland Bancorp Inc. COM 887098101   251,402 7,366 SH   SOLE   7,366 0 0
United Parcel Service COM 911312106   19,760,914 113,673 SH   SOLE   113,673 0 0
Vanguard Dividend Appreciation COM 921908844   439,798 2,896 SH   SOLE   2,896 0 0
Vanguard Financials COM 92204A405   215,263 2,602 SH   SOLE   2,602 0 0
Vanguard Information Technolog COM 92204A702   651,613 2,040 SH   SOLE   2,040 0 0
Vanguard Large Cap ETF COM 922908637   709,342 4,072 SH   SOLE   4,072 0 0
Vanguard S&P 500 ETF COM 922908363   1,950,442 5,551 SH   SOLE   5,551 0 0
Vanguard Total Stock Market In COM 922908769   9,774,862 51,126 SH   SOLE   45,727 0 5,399
Goldman Sachs Access Treasury COM 381430529   302,819 3,037 SH   SOLE   3,037 0 0
Invesco S&P 500 Equal Weight E COM 46137v357   12,407,037 87,837 SH   SOLE   85,215 0 2,622
iPath Bloomberg Commodity Inde COM 06738C778   12,389,301 367,526 SH   SOLE   358,316 0 9,210
iShares 3-7 Year Treasury Bond COM 464288661   565,259 4,920 SH   SOLE   4,920 0 0
iShares Core S&P Total US Stoc COM 464287150   664,747 7,839 SH   SOLE   7,839 0 0
iShares National Muni Bond ETF COM 464288414   374,596 3,550 SH   SOLE   3,550 0 0
iShares Treasury Floating Rate COM 46434v860   32,140,052 637,573 SH   SOLE   621,050 0 16,523
JPMorgan Equity Premium Income COM 46641q332   17,044,890 312,808 SH   SOLE   303,311 0 9,497
JPMorgan Ultra-Short Income ET COM 46641Q837   34,925,486 696,698 SH   SOLE   676,127 0 20,571
Vanguard High Dividend Yield E COM 921946406   1,230,917 11,375 SH   SOLE   11,375 0 0
Vanguard Int.-Term Corporate B COM 92206c870   23,634,521 304,922 SH   SOLE   296,592 0 8,330
Vanguard Intermediate-Term Bon COM 921937819   33,986,853 457,304 SH   SOLE   444,798 0 12,506
Vanguard Intmdt-Term Trs ETF COM 92206C706   47,206,308 807,221 SH   SOLE   784,313 0 22,908
Vanguard Large Cap ETF COM 922908637   23,661,831 135,831 SH   SOLE   131,975 0 3,856
Vanguard Short-Term Corporate COM 92206C409   420,237 5,589 SH   SOLE   5,589 0 0
Vida Longevity Fund, LP Class COM bp0003003   75,387 75,387 SH   SOLE   75,387 0 0