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
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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
1/100 Berkshire Hathaway Class A 084990175 312 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 2,199 13,377 SH   SOLE   13,002 0 375
Abbott Labs COM 002824100 2,679 32,013 SH   SOLE   31,288 0 725
Adobe Systems COM 00724F101 322 1,166 SH   SOLE   1,166 0 0
Air Products & Chem COM 009158106 2,266 10,215 SH   SOLE   9,990 0 225
Alphabet Inc COM 02079K107 1,069 877 SH   SOLE   836 0 41
Amazon.com Inc COM 023135106 4,057 2,337 SH   SOLE   2,298 0 39
American Express Co COM 025816109 296 2,500 SH   SOLE   2,500 0 0
American Water Wks Co COM 030420103 1,238 9,965 SH   SOLE   9,715 0 250
Apple Inc. COM 037833100 3,834 17,117 SH   SOLE   16,942 0 175
A T & T Inc. COM 00206R102 752 19,880 SH   SOLE   19,530 0 350
Automatic Data COM 053015103 3,381 20,944 SH   SOLE   20,384 0 560
Becton, Dickinson COM 075887109 2,432 9,613 SH   SOLE   9,363 0 250
Berkshire Hathaway B COM 084670702 3,091 14,860 SH   SOLE   14,030 0 830
BlackRock, Inc. COM 09247X101 1,676 3,760 SH   SOLE   3,650 0 110
Boeing Company COM 097023105 719 1,890 SH   SOLE   1,890 0 0
Check Point Software Tech COM M22465104 1,791 16,360 SH   SOLE   15,920 0 440
Chevron Corp. COM 166764100 1,162 9,794 SH   SOLE   9,669 0 125
Cisco Systems COM 17275R102 2,702 54,680 SH   SOLE   53,120 0 1,560
CME Group Inc COM 12572Q105 216 1,020 SH   SOLE   1,020 0 0
Coastal Financial Corp COM 19046P209 1,524 100,866 SH   SOLE   100,866 0 0
Coca Cola COM 191216100 2,247 41,280 SH   SOLE   40,880 0 400
Colgate-Palmolive COM 194162103 1,079 14,680 SH   SOLE   14,070 0 610
ConocoPhillips COM 20825C104 1,064 18,667 SH   SOLE   17,937 0 730
Costco Wholesale COM 22160K105 6,528 22,659 SH   SOLE   21,759 0 900
Danaher Inc. COM 235851102 2,162 14,970 SH   SOLE   14,770 0 200
ETFs Gold Tr COM 26922Y105 625 4,400 SH   SOLE   4,400 0 0
Exxon Mobil SHS 30231G102 1,712 24,242 SH   SOLE   23,892 0 350
L3harris Corp. COM 413875105 2,742 13,140 SH   SOLE   12,425 0 715
Intel Corp. COM 458140100 3,291 63,870 SH   SOLE   61,995 0 1,875
Invesco ETF Financials COM 46137V340 306 7,000 SH   SOLE   6,850 0 150
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 1,769 20,615 SH   SOLE   20,415 0 200
iShares Tr NASDQ BIO INDEX 464287556 4,013 40,335 SH   SOLE   38,620 0 1,715
iShares Inc MSCI GERMANY ETF 464286806 1,077 40,020 SH   SOLE   38,770 0 1,250
Johnson & Johnson COM 478160104 2,279 17,613 SH   SOLE   17,098 0 515
JP Morgan Ultra Short ETF 46641Q837 419 8,304 SH   SOLE   8,304 0 0
Kimberly-Clark COM 494368103 2,293 16,142 SH   SOLE   15,742 0 400
Microsoft COM 594918104 10,466 75,280 SH   SOLE   71,900 0 3,380
NextEra Energy COM 65339F101 3,075 13,200 SH   SOLE   12,655 0 545
Norfolk Southern COM 655844108 2,853 15,878 SH   SOLE   15,028 0 850
Novo Nordisk AD COM 670100205 2,809 54,340 SH   SOLE   52,890 0 1,450
Paccar Inc. COM 693718108 3,070 43,851 SH   SOLE   42,701 0 1,150
PepsiCo Inc. COM 713448108 2,424 17,678 SH   SOLE   17,278 0 400
Phillips 66 COM 718546104 1,674 16,346 SH   SOLE   15,596 0 750
Procter & Gamble COM 742718109 2,323 18,676 SH   SOLE   18,329 0 347
Royal Dutch Shell SPONS ADR A 780257804 1,166 19,818 SH   SOLE   19,618 0 200
SAP AG SPONS ADR 803054204 1,704 14,455 SH   SOLE   14,255 0 200
Schlumberger Lt COM 806857108 507 14,835 SH   SOLE   14,335 0 500
Schwab Strategic Tr EMRG MKTEQ ETF 808524706 2,844 113,154 SH   SOLE   110,572 0 2,582
Schwab Strategic Tr INTL EQ ETF 808524805 405 12,709 SH   SOLE   12,709 0 0
Schwab US Mid-Cap Mid-Cap ETF 808524508 227 4,013 SH   SOLE   4,013 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 2,041 35,075 SH   SOLE   34,600 0 475
Snap-On Inc. COM 833034101 2,160 13,799 SH   SOLE   12,874 0 925
SPDR Gold Trust Gold Shares ETF 78463V107 263 1,892 SH   SOLE   1,892 0 0
Starbucks Corp. COM 855244109 5,857 66,241 SH   SOLE   65,366 0 875
Stryker Corp. COM 863667101 3,856 17,826 SH   SOLE   17,326 0 500
Thermo Fisher COM 883556102 262 900 SH   SOLE   900 0 0
Total SA SPONS ADR 89151E109 551 10,602 SH   SOLE   10,097 0 505
Union Pacific COM 907818108 210 1,297 SH   SOLE   1,297 0 0
United Parcel Svc COM 911312106 2,142 17,875 SH   SOLE   17,550 0 325
United Technologies COM 913017109 2,394 17,534 SH   SOLE   16,934 0 600
UnitedHealth Gr COM 91324P102 1,688 7,768 SH   SOLE   7,678 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,546 26,278 SH   SOLE   25,078 0 1,200
Visa Inc COM 92826C839 368 2,138 SH   SOLE   2,138 0 0
Walgreens Boots COM 931427108 2,157 38,990 SH   SOLE   38,340 0 650
Walt Disney Co. COM 254687106 3,412 26,183 SH   SOLE   25,063 0 1,120
Wash Federal Inc COM 938824109 1,980 53,519 SH   SOLE   51,559 0 1,960
Waste Management COM 94106L109 2,711 23,575 SH   SOLE   23,075 0 500
Xcel Energy Inc COM 98389B100 427 6,582 SH   SOLE   6,582 0 0