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
Expires: July 31, 2015
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 617,001 3,324 SH SOLE 3,324 0 0
ALASKA AIR GROUP INC COM 011659109 384,881 7,779 SH SOLE 7,779 0 0
ALPHABET INC CAP STK CL A 02079K305 646,857 3,671 SH SOLE 3,671 0 0
ALPHABET INC CAP STK CL C 02079K107 1,281,643 7,225 SH SOLE 7,005 0 220
AMAZON COM INC COM 023135106 2,946,637 13,431 SH SOLE 13,260 0 171
AMERICAN ELEC PWR CO INC COM 025537101 254,420 2,452 SH SOLE 2,452 0 0
APPLE INC COM 037833100 5,085,698 24,788 SH SOLE 23,564 0 1,224
BECTON DICKINSON & CO COM 075887109 7,549,104 43,826 SH SOLE 43,814 0 12
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,453,139 5,050 SH SOLE 4,835 0 215
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,457,600 2 SH SOLE 2 0 0
BLACKROCK INC COM 09290D101 19,248,185 18,345 SH SOLE 18,323 0 22
BP PLC SPONSORED ADR 055622104 201,072 6,718 SH SOLE 6,718 0 0
BROADCOM INC COM 11135F101 298,894 1,084 SH SOLE 1,084 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 11,210,469 153,169 SH SOLE 153,063 0 106
CATERPILLAR INC COM 149123101 23,844,697 61,422 SH SOLE 61,337 0 85
CENCORA INC COM 03073E105 734,633 2,450 SH SOLE 2,450 0 0
CHEVRON CORP NEW COM 166764100 9,129,409 63,757 SH SOLE 63,258 0 499
CISCO SYS INC COM 17275R102 423,496 6,104 SH SOLE 6,104 0 0
COCA COLA CO COM 191216100 220,279 3,091 SH SOLE 3,091 0 0
COMCAST CORP NEW CL A 20030N101 3,843,223 107,683 SH SOLE 107,655 0 28
COSTCO WHSL CORP NEW COM 22160K105 2,864,085 2,893 SH SOLE 2,893 0 0
CUMMINS INC COM 231021106 313,495 957 SH SOLE 675 0 282
CVS HEALTH CORP COM 126650100 9,069,942 131,487 SH SOLE 131,487 0 0
DEERE & CO COM 244199105 17,267,754 33,851 SH SOLE 33,827 0 24
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 420,224 11,725 SH SOLE 11,725 0 0
DUPONT DE NEMOURS INC COM 26614N102 7,026,255 102,438 SH SOLE 102,413 0 25
EMERSON ELEC CO COM 291011104 473,322 3,550 SH SOLE 3,550 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 473,100 15,000 SH SOLE 15,000 0 0
EXXON MOBIL CORP COM 30231G102 13,324,326 123,602 SH SOLE 123,522 0 80
GRANITE CONSTR INC COM 387328107 257,510 2,750 SH SOLE 2,750 0 0
HOME DEPOT INC COM 437076102 17,743,935 48,396 SH SOLE 48,341 0 55
INTERNATIONAL BUSINESS MACHS COM 459200101 12,970,397 44,000 SH SOLE 43,578 0 422
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E735 4,485,313 115,253 SH SOLE 113,010 0 2,243
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 212,167 3,695 SH SOLE 3,695 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 11,178,434 244,231 SH SOLE 243,480 0 751
INVESCO QQQ TR UNIT SER 1 46090E103 827,968 1,500 SH SOLE 1,428 0 72
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 339,961 5,554 SH SOLE 5,479 0 75
ISHARES INC CORE MSCI EMKT 46434G103 207,464 3,456 SH SOLE 3,456 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 259,306 6,620 SH SOLE 6,620 0 0
ISHARES SILVER TR ISHARES 46428Q109 357,826 10,906 SH SOLE 10,906 0 0
ISHARES TR CORE INTL AGGR 46435G672 393,036 7,693 SH SOLE 7,693 0 0
ISHARES TR CORE MSCI EAFE 46432F842 39,747,422 476,131 SH SOLE 471,679 1,001 3,451
ISHARES TR CORE S&P MCP ETF 464287507 524,566 8,458 SH SOLE 8,458 0 0
ISHARES TR CORE S&P SCP ETF 464287804 19,196,812 175,650 SH SOLE 174,671 0 979
ISHARES TR CORE S&P US GWT 464287671 29,064,923 193,251 SH SOLE 191,132 430 1,689
ISHARES TR CORE S&P500 ETF 464287200 8,442,230 13,597 SH SOLE 13,433 0 164
ISHARES TR CORE US AGGBD ET 464287226 310,199 3,127 SH SOLE 3,127 0 0
ISHARES TR EAFE SML CP ETF 464288273 680,067 9,357 SH SOLE 9,357 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 6,720,768 272,096 SH SOLE 270,645 0 1,451
ISHARES TR ISHS 1-5YR INVS 464288646 41,140,072 779,759 SH SOLE 771,949 1,080 6,730
ISHARES TR JPMORGAN USD EMG 464288281 560,815 6,055 SH SOLE 6,055 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 7,523,735 89,504 SH SOLE 88,346 0 1,158
ISHARES TR RUS 1000 GRW ETF 464287614 207,024 488 SH SOLE 488 0 0
ISHARES TR U.S. MED DVC ETF 464288810 392,503 6,266 SH SOLE 6,266 0 0
ISHARES TR US TREAS BD ETF 46429B267 23,453,274 1,020,595 SH SOLE 1,012,032 1,437 7,126
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 29,701,258 419,687 SH SOLE 416,123 1,190 2,374
JOHNSON & JOHNSON COM 478160104 7,933,315 51,937 SH SOLE 51,924 0 13
JPMORGAN CHASE & CO. COM 46625H100 13,933,610 48,062 SH SOLE 48,006 0 56
KROGER CO COM 501044101 13,101,059 182,644 SH SOLE 182,441 0 203
LOWES COS INC COM 548661107 670,825 3,024 SH SOLE 3,024 0 0
M & T BK CORP COM 55261F104 7,860,653 40,521 SH SOLE 40,491 0 30
MCDONALDS CORP COM 580135101 15,474,764 52,965 SH SOLE 52,929 0 36
MEDTRONIC PLC SHS G5960L103 10,611,207 120,767 SH SOLE 120,736 0 31
MERCK & CO INC COM 58933Y105 7,436,040 93,005 SH SOLE 92,923 0 82
META PLATFORMS INC CL A 30303M102 328,458 445 SH SOLE 429 0 16
MICROSOFT CORP COM 594918104 35,551,187 71,473 SH SOLE 71,295 0 178
MISSION PRODUCE INC COM 60510V108 2,493,430 212,750 SH SOLE 212,750 0 0
MP MATERIALS CORP COM CL A 553368101 287,287 8,635 SH SOLE 8,635 0 0
NETFLIX INC COM 64110L106 609,305 455 SH SOLE 445 0 10
NEXTERA ENERGY INC COM 65339F101 9,643,959 138,922 SH SOLE 138,827 0 95
NIKE INC CL B 654106103 6,923,838 96,926 SH SOLE 96,926 0 0
NORFOLK SOUTHN CORP COM 655844108 513,988 2,008 SH SOLE 2,008 0 0
NVIDIA CORPORATION COM 67066G104 974,672 6,169 SH SOLE 5,863 0 306
ORACLE CORP COM 68389X105 235,028 1,075 SH SOLE 1,075 0 0
PEPSICO INC COM 713448108 7,846,201 59,423 SH SOLE 59,409 0 14
PFIZER INC COM 717081103 4,187,448 172,749 SH SOLE 172,600 0 149
PHILIP MORRIS INTL INC COM 718172109 347,145 1,892 SH SOLE 1,892 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,068,989 10,633 SH SOLE 10,633 0 0
PNC FINL SVCS GROUP INC COM 693475105 8,641,155 46,353 SH SOLE 46,321 0 32
PROCTER AND GAMBLE CO COM 742718109 9,933,562 62,350 SH SOLE 62,335 0 15
PROSHARES TR S&P 500 DV ARIST 74348A467 3,289,386 32,491 SH SOLE 32,366 0 125
PROSHARES TR ULTRAPRO QQQ 74347X831 275,601 3,316 SH SOLE 3,166 0 150
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 569,731 6,768 SH SOLE 6,768 0 0
REPUBLIC SVCS INC COM 760759100 20,024,145 81,198 SH SOLE 81,097 0 101
ROYAL BK CDA COM 780087102 249,288 1,895 SH SOLE 1,269 0 626
RTX CORPORATION COM 75513E101 17,480,883 119,716 SH SOLE 119,563 0 153
S&P GLOBAL INC COM 78409V104 6,208,994 11,775 SH SOLE 11,775 0 0
SCHWAB CHARLES CORP COM 808513105 17,866,812 195,822 SH SOLE 195,609 0 213
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730 964,792 29,227 SH SOLE 28,657 0 570
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 1,774,099 44,330 SH SOLE 43,293 0 1,037
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 2,211,467 52,591 SH SOLE 51,780 0 811
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 1,790,305 62,489 SH SOLE 61,775 0 714
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 1,631,552 70,204 SH SOLE 70,204 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,237,213 159,895 SH SOLE 158,360 0 1,535
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 269,313 9,733 SH SOLE 9,707 0 26
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,759,908 72,009 SH SOLE 72,009 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,623,348 182,741 SH SOLE 180,412 0 2,329
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 516,010 6,319 SH SOLE 6,319 0 0
SPDR GOLD TR GOLD SHS 78463V107 742,262 2,435 SH SOLE 2,435 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 33,486,035 783,482 SH SOLE 776,186 1,421 5,875
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 373,035 9,213 SH SOLE 9,213 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,315,801 2,124 SH SOLE 2,114 0 10
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 26,151,115 1,021,528 SH SOLE 1,012,887 1,461 7,180
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 7,972,629 109,680 SH SOLE 108,549 0 1,131
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 262,798 2,757 SH SOLE 2,757 0 0
STARBUCKS CORP COM 855244109 959,471 10,471 SH SOLE 10,431 0 40
TESLA INC COM 88160R101 705,206 2,220 SH SOLE 2,190 0 30
TEXAS INSTRS INC COM 882508104 12,363,141 59,547 SH SOLE 59,501 0 46
VANECK ETF TRUST JP MRGAN EM LOC 92189H300 8,096,505 319,389 SH SOLE 316,771 654 1,964
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,008,736 27,281 SH SOLE 27,216 0 65
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 736,507 14,770 SH SOLE 14,770 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 6,943,604 89,780 SH SOLE 89,711 0 69
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 827,538 16,715 SH SOLE 16,652 0 63
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 408,931 2,122 SH SOLE 2,122 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 25,646,019 58,433 SH SOLE 57,795 145 493
VANGUARD INDEX FDS MID CAP ETF 922908629 42,834,619 152,497 SH SOLE 150,937 315 1,245
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,053,217 23,054 SH SOLE 23,012 0 42
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 249,605 438 SH SOLE 438 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 352,266 1,798 SH SOLE 1,798 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 351,140 1,266 SH SOLE 1,266 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 6,195,474 20,323 SH SOLE 20,320 0 3
VANGUARD INDEX FDS VALUE ETF 922908744 5,788,541 32,579 SH SOLE 30,811 1,287 481
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,623,113 73,253 SH SOLE 72,097 0 1,156
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 7,457,992 55,495 SH SOLE 54,981 190 324
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 325,112 7,045 SH SOLE 6,918 0 127
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,216,081 17,243 SH SOLE 17,104 0 139
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 879,795 17,944 SH SOLE 17,944 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,847,371 23,237 SH SOLE 23,237 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,714,363 8,341 SH SOLE 8,276 0 65
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,218,885 91,543 SH SOLE 90,174 0 1,369
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 574,567 4,310 SH SOLE 4,310 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 440,357 6,723 SH SOLE 6,723 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 280,569 2,559 SH SOLE 2,559 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 970,532 1,463 SH SOLE 1,461 0 2
VERIZON COMMUNICATIONS INC COM 92343V104 10,617,805 245,385 SH SOLE 245,214 0 171
VISA INC COM CL A 92826C839 365,712 1,030 SH SOLE 1,002 0 28
WALMART INC COM 931142103 22,361,579 228,693 SH SOLE 228,450 0 243
WELLS FARGO CO NEW COM 949746101 654,501 8,169 SH SOLE 8,169 0 0