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
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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 272 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 1,835 13,442 SH   SOLE   13,067 0 375
Abbott Labs COM 002824100 2,557 32,404 SH   SOLE   31,679 0 725
Adobe Systems COM 00724F101 371 1,166 SH   SOLE   1,166 0 0
Air Products & Chem COM 009158106 2,023 10,134 SH   SOLE   9,909 0 225
Alphabet Inc COM 02079K107 1,304 1,121 SH   SOLE   1,080 0 41
Amazon.com Inc COM 023135106 4,457 2,286 SH   SOLE   2,247 0 39
American Express Co COM 025816109 214 2,500 SH   SOLE   2,500 0 0
American Water Wks Co COM 030420103 841 7,032 SH   SOLE   6,782 0 250
Apple Inc. COM 037833100 4,288 16,860 SH   SOLE   16,685 0 175
A T & T Inc. COM 00206R102 566 19,430 SH   SOLE   19,180 0 250
Automatic Data COM 053015103 2,877 21,046 SH   SOLE   20,486 0 560
Becton, Dickinson COM 075887109 2,286 9,951 SH   SOLE   9,701 0 250
Berkshire Hathaway B COM 084670702 2,742 15,000 SH   SOLE   14,170 0 830
BlackRock, Inc. COM 09247X101 1,730 3,933 SH   SOLE   3,823 0 110
Boeing Company COM 097023105 282 1,890 SH   SOLE   1,890 0 0
Check Point Software Tech COM M22465104 1,631 16,226 SH   SOLE   15,786 0 440
Chevron Corp. COM 166764100 1,038 14,329 SH   SOLE   14,104 0 225
Cisco Systems COM 17275R102 2,236 56,871 SH   SOLE   55,311 0 1,560
Coastal Financial Corp COM 19046P209 1,060 100,866 SH   SOLE   100,866 0 0
Coca Cola COM 191216100 1,973 44,582 SH   SOLE   44,182 0 400
Colgate-Palmolive COM 194162103 1,014 15,277 SH   SOLE   14,667 0 610
ConocoPhillips COM 20825C104 620 20,132 SH   SOLE   19,402 0 730
Costco Wholesale COM 22160K105 6,445 22,604 SH   SOLE   21,704 0 900
Danaher Inc. COM 235851102 1,965 14,194 SH   SOLE   13,994 0 200
ETFs Gold Tr COM 26922Y105 667 44,000 SH   SOLE   44,000 0 0
Exxon Mobil SHS 30231G102 1,236 32,558 SH   SOLE   32,008 0 550
Intel Corp. COM 458140100 3,402 62,863 SH   SOLE   60,988 0 1,875
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 1,444 20,356 SH   SOLE   20,156 0 200
iShares Tr NASDQ BIO INDEX 464287556 4,296 39,876 SH   SOLE   38,161 0 1,715
iShares Inc MSCI GERMANY ETF 464286806 604 28,133 SH   SOLE   26,983 0 1,150
Johnson & Johnson COM 478160104 2,378 18,131 SH   SOLE   17,616 0 515
JP Morgan Ultra Short ETF 46641Q837 458 9,224 SH   SOLE   9,224 0 0
Kimberly-Clark COM 494368103 2,049 16,025 SH   SOLE   15,625 0 400
L3harris Corp. COM 413875105 2,354 13,071 SH   SOLE   12,356 0 715
Microsoft COM 594918104 11,895 75,421 SH   SOLE   72,076 0 3,345
NextEra Energy COM 65339F101 3,127 12,994 SH   SOLE   12,449 0 545
Norfolk Southern COM 655844108 2,140 14,656 SH   SOLE   13,906 0 750
Novo Nordisk AD COM 670100205 3,256 54,087 SH   SOLE   52,637 0 1,450
Paccar Inc. COM 693718108 2,746 44,927 SH   SOLE   43,777 0 1,150
PepsiCo Inc. COM 713448108 2,170 18,066 SH   SOLE   17,666 0 400
Phillips 66 COM 718546104 884 16,477 SH   SOLE   15,727 0 750
Procter & Gamble COM 742718109 2,044 18,580 SH   SOLE   18,233 0 347
Raytheon Technologies COM 755111507 1,637 17,350 SH   SOLE   16,850 0 500
Royal Dutch Shell SPONS ADR A 780257804 694 19,886 SH   SOLE   19,686 0 200
SAP AG SPONS ADR 803054204 1,586 14,355 SH   SOLE   14,255 0 100
Schlumberger Lt COM 806857108 166 12,312 SH   SOLE   11,812 0 500
Schwab Strategic Tr SMCAP INTL EQ ETF 808524888 236 9,690 SH   SOLE   9,690 0 0
Schwab Strategic Tr EMRG MKTEQ ETF 808524706 2,570 124,221 SH   SOLE   121,624 0 2,597
Schwab Strategic Tr INTL EQ ETF 808524805 313 12,119 SH   SOLE   12,119 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 1,550 34,417 SH   SOLE   33,942 0 475
Snap-On Inc. COM 833034101 1,492 13,712 SH   SOLE   12,787 0 925
SPDR Gold Trust Gold Shares ETF 78463V107 279 1,887 SH   SOLE   1,887 0 0
Starbucks Corp. COM 855244109 4,313 65,603 SH   SOLE   64,058 0 1,545
Stryker Corp. COM 863667101 3,031 18,207 SH   SOLE   17,707 0 500
Thermo Fisher COM 883556102 255 900 SH   SOLE   900 0 0
Total SA SPONS ADR 89151E109 426 11,434 SH   SOLE   11,079 0 355
United Parcel Svc COM 911312106 1,818 19,456 SH   SOLE   19,131 0 325
UnitedHealth Gr COM 91324P102 1,915 7,679 SH   SOLE   7,589 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,038 18,443 SH   SOLE   17,243 0 1,200
Vanguard World FDS FINCLS IDX ETF 92204A405 592 11,675 SH   SOLE   11,495 0 180
Visa Inc COM 92826C839 345 2,138 SH   SOLE   2,138 0 0
Walgreens Boots COM 931427108 446 9,740 SH   SOLE   9,740 0 0
Walt Disney Co. COM 254687106 2,521 26,099 SH   SOLE   24,979 0 1,120
Wash Federal Inc COM 938824109 1,386 53,405 SH   SOLE   51,445 0 1,960
Waste Management COM 94106L109 2,163 23,368 SH   SOLE   22,868 0 500
Xcel Energy Inc COM 98389B100 397 6,582 SH   SOLE   6,582 0 0