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
AMAZON COM INC COM 023135106 8,497,852 38,734 SH SOLE 37,959 0 775
AUTOMATIC DATA PROCESSING IN COM 053015103 4,827,192 15,575 SH SOLE 14,915 0 660
BECTON DICKINSON & CO COM 075887109 1,478,766 8,585 SH SOLE 8,360 0 225
BROADCOM INC COM 11135F101 7,539,303 27,351 SH SOLE 26,401 0 950
CHECK POINT SOFTWARE TECH LT ORD M22465104 3,171,176 14,333 SH SOLE 13,968 0 365
CHEVRON CORP NEW COM 166764100 2,599,901 18,157 SH SOLE 17,432 0 725
COCA COLA CO COM 191216100 2,897,986 40,672 SH SOLE 39,622 0 1,050
COLGATE PALMOLIVE CO COM 194162103 1,451,491 15,968 SH SOLE 15,508 0 460
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 2,386,169 51,604 SH SOLE 51,154 0 450
ISHARES TR ISHARES BIOTECH 464287556 5,112,143 40,409 SH SOLE 38,794 0 1,615
KIMBERLY-CLARK CORP COM 494368103 2,194,719 16,861 SH SOLE 16,031 0 830
NEXTERA ENERGY INC COM 65339F101 2,899,326 41,765 SH SOLE 39,415 0 2,350
NORFOLK SOUTHN CORP COM 655844108 3,153,294 12,319 SH SOLE 11,369 0 950
NVIDIA CORPORATION COM 67066G104 1,310,609 8,295 SH SOLE 7,265 0 1,030
PFIZER INC COM 717081103 793,254 32,725 SH SOLE 31,625 0 1,100
PHILLIPS 66 COM 718546104 1,704,558 14,288 SH SOLE 13,763 0 525
SNAP ON INC COM 833034101 3,158,477 10,150 SH SOLE 9,515 0 635
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,849,259 32,448 SH SOLE 31,948 0 500
UNITED PARCEL SERVICE INC CL B 911312106 1,676,412 16,608 SH SOLE 15,863 0 745
VANGUARD WORLD FD FINANCIALS ETF 92204A405 2,298,147 18,053 SH SOLE 17,123 0 930
WASTE MGMT INC DEL COM 94106L109 4,870,434 21,285 SH SOLE 20,535 0 750
DANAHER CORPORATION COM 235851102 2,192,882 11,083 SH SOLE 10,763 0 320
JOHNSON & JOHNSON COM 478160104 763,903 5,001 SH SOLE 5,001 0 0
JPMORGAN CHASE & CO. COM 46625H100 389,929 1,345 SH SOLE 1,345 0 0
ABBOTT LABS COM 002824100 3,760,540 27,649 SH SOLE 26,724 0 925
ALPHABET INC CAP STK CL C 02079K107 3,241,447 18,273 SH SOLE 17,513 0 760
APPLE INC COM 037833100 10,792,110 52,601 SH SOLE 51,098 0 1,503
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 5,734,515 11,805 SH SOLE 11,286 0 519
BLACKROCK INC COM 09290D101 3,570,598 3,403 SH SOLE 3,271 0 132
COSTCO WHSL CORP NEW COM 22160K105 18,022,848 18,206 SH SOLE 17,481 0 725
ISHARES INC MSCI GERMANY ETF 464286806 965,641 22,823 SH SOLE 21,838 0 985
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 5,881,009 116,042 SH SOLE 111,342 0 4,700
MICROSOFT CORP COM 594918104 29,798,846 59,908 SH SOLE 57,493 0 2,415
PACCAR INC COM 693718108 4,863,270 51,160 SH SOLE 50,610 0 550
PEPSICO INC COM 713448108 1,869,026 14,155 SH SOLE 13,695 0 460
PROCTER AND GAMBLE CO COM 742718109 2,785,392 17,483 SH SOLE 16,249 0 1,234
RTX CORPORATION COM 75513E101 3,517,532 24,089 SH SOLE 23,679 0 410
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 536,803 12,960 SH SOLE 12,010 0 950
UNITEDHEALTH GROUP INC COM 91324P102 1,645,954 5,276 SH SOLE 5,271 0 5
WEC ENERGY GROUP INC COM 92939U106 1,191,006 11,430 SH SOLE 11,230 0 200
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,241,238 13,625 SH SOLE 12,555 0 1,070
BRISTOL-MYERS SQUIBB CO COM 110122108 1,404,346 30,338 SH SOLE 28,988 0 1,350
L3HARRIS TECHNOLOGIES INC COM 502431109 3,237,090 12,905 SH SOLE 12,114 0 791
NOVO-NORDISK A S ADR 670100205 5,691,458 82,461 SH SOLE 79,961 0 2,500
STARBUCKS CORP COM 855244109 4,239,170 46,264 SH SOLE 44,679 0 1,585
INTEL CORP COM 458140100 835,000 37,277 SH SOLE 36,152 0 1,125
SHELL PLC SPON ADS 780259305 2,157,222 30,638 SH SOLE 30,338 0 300
VISA INC COM CL A 92826C839 2,220,128 6,253 SH SOLE 5,943 0 310
CONOCOPHILLIPS COM 20825C104 1,443,468 16,085 SH SOLE 15,705 0 380
AIR PRODS & CHEMS INC COM 009158106 2,693,955 9,551 SH SOLE 9,331 0 220
KENVUE INC COM 49177J102 1,141,501 54,539 SH SOLE 52,957 0 1,582
KNIFE RIVER CORP COMMON STOCK 498894104 243,940 2,988 SH SOLE 2,802 0 186
STRYKER CORPORATION COM 863667101 5,299,218 13,366 SH SOLE 12,816 0 550
DISNEY WALT CO COM 254687106 1,806,924 14,513 SH SOLE 14,288 0 225
WISDOMTREE TR INDIA ERNGS FD 97717W422 386,263 8,137 SH SOLE 7,572 0 565
TOTALENERGIES SE SPONSORED ADS 89151E109 512,465 8,214 SH SOLE 7,859 0 355
AMERICAN WTR WKS CO INC NEW COM 030420103 453,499 3,260 SH SOLE 3,130 0 130
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 483,492 3,762 SH SOLE 3,762 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 807,001 36,516 SH SOLE 36,204 0 312
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 341,190 12,164 SH SOLE 12,164 0 0
SPDR GOLD TR GOLD SHS 78463V107 642,277 2,107 SH SOLE 2,107 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 207,914 336 SH SOLE 336 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 473,520 833 SH SOLE 833 0 0
CISCO SYS INC COM 17275R102 1,986,696 28,635 SH SOLE 28,465 0 170
SAP SE SPON ADR 803054204 2,116,232 6,959 SH SOLE 6,919 0 40
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 2,295,186 46,028 SH SOLE 39,203 0 6,825
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,641,661 32,240 SH SOLE 31,840 0 400
WALMART INC COM 931142103 300,470 3,073 SH SOLE 2,785 0 288
FAIR ISAAC CORP COM 303250104 383,872 210 SH SOLE 210 0 0
ALPHABET INC CAP STK CL A 02079K305 513,006 2,911 SH SOLE 2,911 0 0
EXXON MOBIL CORP COM 30231G102 730,453 6,776 SH SOLE 6,276 0 500
HONEYWELL INTL INC COM 438516106 203,770 875 SH SOLE 813 0 62
ADOBE INC COM 00724F101 394,231 1,019 SH SOLE 991 0 28
VANGUARD INDEX FDS GROWTH ETF 922908736 258,954 590 SH SOLE 590 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 636,271 26,034 SH SOLE 26,034 0 0
ISHARES TR NATIONAL MUN ETF 464288414 517,176 4,950 SH SOLE 4,950 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,223,053 24,945 SH SOLE 24,945 0 0
AMERICAN EXPRESS CO COM 025816109 972,889 3,050 SH SOLE 3,050 0 0
META PLATFORMS INC CL A 30303M102 228,070 309 SH SOLE 309 0 0
NETFLIX INC COM 64110L106 649,478 485 SH SOLE 485 0 0
ORACLE CORP COM 68389X105 313,953 1,436 SH SOLE 1,436 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 275,301 4,829 SH SOLE 4,727 0 102
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 452,872 7,887 SH SOLE 7,887 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 447,533 11,004 SH SOLE 11,004 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 301,711 7,539 SH SOLE 7,539 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,457,455 59,391 SH SOLE 59,391 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 355,260 12,400 SH SOLE 12,400 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,673,383 4,692 SH SOLE 4,692 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 464,123 1,952 SH SOLE 1,952 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 728,800 1 SH SOLE 1 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 894,660 26,000 SH SOLE 26,000 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 1,089,707 34,550 SH SOLE 34,550 0 0
PROTALIX BIOTHERAPEUTICS INC COM 74365A309 14,948 10,100 SH SOLE 10,100 0 0
SENSEONICS HLDGS INC COM 81727U105 5,479 11,500 SH SOLE 11,500 0 0
AMERIPRISE FINL INC COM 03076C106 320,238 600 SH SOLE 600 0 0