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
PFIZER INC COM 717081103 630,677 22,460 SH SOLE 21,560 0 900
DANAHER CORP DEL COM 235851102 1,322,970 6,963 SH SOLE 6,643 0 320
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 1,590,148 31,443 SH SOLE 30,107 0 1,336
JOHNSON & JOHNSON COM 478160104 667,077 2,729 SH SOLE 2,729 0 0
JPMORGAN CHASE & CO COM 46625H100 439,769 1,495 SH SOLE 1,495 0 0
J P MORGAN EXCHANGE TRADED F SHORT DURA CORE 46641Q274 3,351,205 70,850 SH SOLE 62,220 0 8,630
UNITED PARCEL SVCS INC CL B 911312106 1,125,172 11,437 SH SOLE 10,692 0 745
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845 8,751,495 115,684 SH SOLE 108,775 0 6,909
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 795,704 15,930 SH SOLE 14,730 0 1,200
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 10,462,865 210,161 SH SOLE 195,033 0 15,128
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,946,691 8,236 SH SOLE 7,717 0 519
BRISTOL-MYERS SQUIBB CO COM 110122108 1,417,000 23,364 SH SOLE 22,014 0 1,350
BROADCOM INC COM 11135F101 5,524,553 17,849 SH SOLE 16,899 0 950
CHEVRON CORPORATION COM 166764100 2,495,864 12,063 SH SOLE 11,319 0 744
COLGATE PALMOLIVE CO COM 194162103 947,928 11,122 SH SOLE 10,662 0 460
HONEYWELL INTL INC COM 438516106 1,031,149 4,562 SH SOLE 4,118 0 444
KIMBERLY-CLARK CORP COM 494368103 999,302 10,225 SH SOLE 9,445 0 780
L3HARRIS TECHNOLOGIES INC COM 502431109 2,696,657 7,813 SH SOLE 7,322 0 491
NORFOLK SOUTHN CORP COM 655844108 774,039 2,697 SH SOLE 2,507 0 190
NOVO-NORDISK A S ADR 670100205 1,811,803 47,720 SH SOLE 45,220 0 2,500
PROCTER & GAMBLE CO COM 742718109 1,716,669 11,885 SH SOLE 10,748 0 1,137
RTX CORPORATION COM 75513E101 2,843,420 14,740 SH SOLE 14,380 0 360
STARBUCKS CORP COM 855244109 2,852,098 31,835 SH SOLE 30,450 0 1,385
VANGUARD WORLD FD FINANCIALS ETF 92204A405 1,508,675 12,488 SH SOLE 11,558 0 930
COSTCO WHOLESALE CORPORATION COM 22160K105 10,233,336 10,270 SH SOLE 9,645 0 625
INTEL CORP COM 458140100 1,209,020 27,397 SH SOLE 26,472 0 925
INVESCO QQQ TR UNIT SER 1 46090E103 200,460 347 SH SOLE 347 0 0
NVIDIA CORPORATION COM 67066G104 1,050,999 6,026 SH SOLE 5,016 0 1,010
ABBOTT LABORATORIES COM 002824100 1,824,138 17,767 SH SOLE 16,942 0 825
CHECK POINT SOFTWARE TECH LT ORD M22465104 1,245,652 8,720 SH SOLE 8,355 0 365
INVESCO EXCH TRADED FD TR II S&P SMLCP INFO 46138E115 1,773,943 29,529 SH SOLE 29,079 0 450
PACCAR INC COM 693718108 3,140,907 27,194 SH SOLE 26,644 0 550
PEPSICO INC COM 713448108 1,521,842 9,800 SH SOLE 9,340 0 460
SHELL PLC SPON ADS 780259305 1,695,204 18,228 SH SOLE 17,928 0 300
SNAP ON INC COM 833034101 2,246,879 6,186 SH SOLE 5,791 0 395
VISA INC COM CL A 92826C839 1,413,879 4,678 SH SOLE 4,368 0 310
WASTE MGMT INC DEL COM 94106L109 2,922,010 12,716 SH SOLE 12,016 0 700
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 8,467,357 167,306 SH SOLE 161,540 0 5,766
ALPHABET INC CAP STK CL C 02079K107 3,687,903 12,856 SH SOLE 12,096 0 760
CONOCOPHILLIPS COM 20825C104 1,546,380 11,715 SH SOLE 11,385 0 330
ISHARES INC MSCI GERMANY ETF 464286806 604,888 15,248 SH SOLE 14,263 0 985
WEC ENERGY GROUP INC COM 92939U106 707,934 6,115 SH SOLE 5,965 0 150
AIR PRODUCTS AND CHEMICALS I COM 009158106 1,722,896 5,931 SH SOLE 5,711 0 220
AMERICAN CENTY ETF TR US SML CP VALU 025072877 985,503 8,921 SH SOLE 7,971 0 950
BLACKROCK INC COM 09290D101 2,032,093 2,113 SH SOLE 1,996 0 117
COCA COLA CO COM 191216100 2,046,371 26,722 SH SOLE 25,672 0 1,050
KENVUE INC COM 49177J102 512,028 29,700 SH SOLE 28,391 0 1,309
KNIFE RIVER CORP COMMON STOCK 498894104 216,617 2,653 SH SOLE 2,467 0 186
MICROSOFT CORP COM 594918104 12,488,061 33,736 SH SOLE 31,511 0 2,225
SELECT SECTOR SPDR TR STATE STREET MAT 81369Y100 2,424,844 48,526 SH SOLE 47,526 0 1,000
STRYKER CORPORATION COM 863667101 2,623,240 7,962 SH SOLE 7,492 0 470
DISNEY WALT CO COM 254687106 830,121 8,613 SH SOLE 8,388 0 225
WISDOMTREE TR INDIA ERNGS FD 97717W422 374,952 9,190 SH SOLE 8,525 0 665
UNITEDHEALTH GROUP INC COM 91324P102 924,335 3,416 SH SOLE 3,411 0 5
AMAZON COM INC COM 023135106 5,346,083 25,669 SH SOLE 24,894 0 775
BECTON DICKINSON & CO COM 075887109 686,623 4,367 SH SOLE 4,192 0 175
NEXTERA ENERGY INC COM 65339F101 2,402,806 25,870 SH SOLE 23,820 0 2,050
PHILLIPS 66 COM 718546104 1,559,096 8,558 SH SOLE 8,233 0 325
TOTALENERGIES SE ACT F92124100 593,967 6,459 SH SOLE 6,154 0 305
AUTOMATIC DATA PROCESSING IN COM 053015103 2,004,802 9,785 SH SOLE 9,145 0 640
ISHARES TR ISHARES BIOTECH 464287556 4,325,931 25,620 SH SOLE 24,155 0 1,465
SELECT SECTOR SPDR TR STATE STREET REA 81369Y860 366,449 8,975 SH SOLE 8,025 0 950
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 909,089 36,731 SH SOLE 36,419 0 312
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 376,586 12,164 SH SOLE 12,164 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 219,452 7,547 SH SOLE 7,547 0 0
SPDR GOLD TR GOLD SHS 78463V107 820,563 1,907 SH SOLE 1,907 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 271,318 416 SH SOLE 416 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 506,521 819 SH SOLE 819 0 0
APPLE INC COM 037833100 7,724,306 30,436 SH SOLE 29,233 0 1,203
CISCO SYS INC COM 17275R102 1,024,188 13,200 SH SOLE 13,105 0 95
ISHARES TR CORE S&P500 ETF 464287200 614,671 941 SH SOLE 879 0 62
ISHARES TR NATIONAL MUN ETF 464288414 570,026 5,370 SH SOLE 5,370 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 547,500 8,544 SH SOLE 8,442 0 102
VANGUARD INSTL INDEX FD ULTRA-SHORT TREA 922040852 1,244,456 16,448 SH SOLE 16,026 0 422
SAP SE SPON ADR 803054204 661,213 3,862 SH SOLE 3,822 0 40
AMERICAN WTR WKS CO INC NEW COM 030420103 221,146 1,625 SH SOLE 1,495 0 130
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 1,595,419 31,295 SH SOLE 30,895 0 400
WALMART INC COM 931142103 368,591 2,960 SH SOLE 2,672 0 288
ALPHABET INC CAP STK CL A 02079K305 632,920 2,201 SH SOLE 2,201 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 257,706 590 SH SOLE 590 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 667,512 26,034 SH SOLE 26,034 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,244,506 24,945 SH SOLE 24,945 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,804,900 4,694 SH SOLE 4,694 0 0
EXXON MOBIL CORP COM 30231G102 730,556 4,306 SH SOLE 3,806 0 500
NETFLIX INC. COM 64110L106 475,943 4,950 SH SOLE 4,950 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 206,383 609 SH SOLE 609 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365 281,447 2,571 SH SOLE 2,571 0 0
J P MORGAN EXCHANGE TRADED F FLEXIBLE DEBT ET 46654Q559 457,643 9,214 SH SOLE 9,214 0 0
SELECT SECTOR SPDR TR STATE STREET UTI 81369Y886 202,008 4,402 SH SOLE 4,402 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 255,775 3,314 SH SOLE 3,314 0 0
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 551,301 7,887 SH SOLE 7,887 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 504,753 11,004 SH SOLE 11,004 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 368,883 7,539 SH SOLE 7,539 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,654,039 59,391 SH SOLE 59,391 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 402,132 12,400 SH SOLE 12,400 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 511,268 1,952 SH SOLE 1,952 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 464,894 3,361 SH SOLE 3,361 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 718,140 1 SH SOLE 1 0 0
ABRDN SILVER ETF TRUST PHYSCL SILVR SHS 003264108 1,861,860 26,000 SH SOLE 26,000 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 1,541,621 34,550 SH SOLE 34,550 0 0
PROTALIX BIOTHERAPEUTICS INC COM 74365A309 21,917 10,100 SH SOLE 10,100 0 0