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 419 100 SH   SOLE   100 0 0
3M Company COM 88579Y101 2,956 14,883 SH   SOLE   14,483 0 400
Abbott Labs COM 002824100 3,274 28,243 SH   SOLE   27,418 0 825
Aberdeen Std Gold ETF Tr PHYSCL GOLD SHS 00326A104 748 44,000 SH   SOLE   44,000 0 0
Aberdeen Std Silver ETF Tr PHYSCL SILIVER SHS 003264108 453 18,000 SH   SOLE   18,000 0 0
Adobe Systems COM 00724F101 746 1,274 SH   SOLE   1,274 0 0
Air Products & Chem COM 009158106 2,965 10,306 SH   SOLE   10,131 0 175
Alphabet Inc Class C COM 02079K107 2,712 1,082 SH   SOLE   1,041 0 41
Alphabet Inc Class A COM 02079K305 493 202 SH   SOLE   202 0 0
Amazon.com Inc COM 023135106 7,644 2,261 SH   SOLE   2,222 0 39
American Express Co COM 025816109 418 2,529 SH   SOLE   2,529 0 0
American Water Wks Co COM 030420103 740 4,950 SH   SOLE   4,800 0 150
Apple Inc. COM 037833100 9,282 68,576 SH   SOLE   67,771 0 805
Automatic Data COM 053015103 4,066 21,081 SH   SOLE   20,471 0 610
Becton, Dickinson COM 075887109 2,326 9,565 SH   SOLE   9,315 0 250
Berkshire Hathaway B COM 084670702 4,175 15,021 SH   SOLE   14,191 0 830
BlackRock, Inc. COM 09247X101 3,298 3,769 SH   SOLE   3,599 0 170
Boeing Company COM 097023105 316 1,320 SH   SOLE   1,320 0 0
Broadcom Inc COM 11135F101 647 1,356 SH   SOLE   1,321 0 35
Check Point Software Tech COM M22465104 1,807 15,563 SH   SOLE   15,173 0 390
Chevron Corp. COM 166764100 1,319 12,596 SH   SOLE   12,371 0 225
Cisco Systems COM 17275R102 2,834 53,479 SH   SOLE   51,919 0 1,560
CME Group Inc COM 12572Q105 217 1,020 SH   SOLE   1,020 0 0
Coastal Financial Corp COM 19046P209 2,881 100,866 SH   SOLE   100,866 0 0
Coca Cola COM 191216100 2,594 47,931 SH   SOLE   47,481 0 450
Colgate-Palmolive COM 194162103 1,235 15,179 SH   SOLE   14,669 0 510
ConocoPhillips COM 20825C104 918 15,067 SH   SOLE   14,337 0 730
Costco Wholesale COM 22160K105 8,549 21,606 SH   SOLE   20,681 0 925
Danaher Inc. COM 235851102 3,350 12,483 SH   SOLE   12,283 0 200
Exxon Mobil COM 30231G102 445 7,050 SH   SOLE   7,050 0 0
Facebook Inc CL A 30303M902 238 684 SH   SOLE   684 0 0
Home Depot Inc COM 437076102 246 772 SH   SOLE   772 0 0
Honeywell Intl COM 438516106 274 1,251 SH   SOLE   1,251 0 0
Intel Corp. COM 458140100 3,194 56,901 SH   SOLE   55,226 0 1,675
Invesco ETF SmCapIT S&P SMCP IT ETF 73937B860 2,739 19,076 SH   SOLE   18,876 0 200
iShares Tr NASDQ BIO INDEX 464287556 6,324 38,642 SH   SOLE   36,852 0 1,790
iShares Inc MSCI GERMANY ETF 464286806 1,113 32,159 SH   SOLE   30,959 0 1,200
iShares Inc TIPS ETF 464287176 202 1,581 SH   SOLE   1,581 0 0
Johnson & Johnson COM 478160104 3,200 19,426 SH   SOLE   18,611 0 815
JPMorgan Chase & Co COM 46625H100 222 1,427 SH   SOLE   1,427 0 0
JP Morgan Ultra Short ETF 46641Q837 8,590 169,289 SH   SOLE   165,789 0 3,500
JP Morgan Ultra Short Muni ETF 46641Q654 5,534 108,405 SH   SOLE   108,005 0 400
Kimberly-Clark COM 494368103 2,445 18,277 SH   SOLE   17,877 0 400
L3harris Corp. COM 413875105 2,863 13,247 SH   SOLE   12,472 0 775
Lilly, Eli & Co. COM 532457108 298 1,300 SH   SOLE   1,300 0 0
MDU Res Group Inc COM 552690109 528 16,850 SH   SOLE   16,450 0 400
Microsoft COM 594918104 18,570 68,548 SH   SOLE   65,558 0 2,990
NextEra Energy COM 65339F101 3,461 47,225 SH   SOLE   45,045 0 2,180
Norfolk Southern COM 655844108 4,069 15,332 SH   SOLE   14,432 0 900
Novo Nordisk AD COM 670100205 4,556 54,392 SH   SOLE   52,242 0 2,150
Paccar Inc. COM 693718108 3,712 41,593 SH   SOLE   40,543 0 1,050
PepsiCo Inc. COM 713448108 2,687 18,133 SH   SOLE   17,733 0 400
Pfizer Inc COM 717081103 247 6,300 SH   SOLE   6,300 0 0
Phillips 66 COM 718546104 1,329 15,490 SH   SOLE   14,690 0 800
Procter & Gamble COM 742718109 2,509 18,593 SH   SOLE   17,959 0 634
Raytheon Technologies COM 755111507 1,988 23,307 SH   SOLE   22,757 0 550
Royal Dutch Shell SPONS ADR A 780257804 1,195 29,571 SH   SOLE   29,271 0 300
SAP AG SPONS ADR 803054204 1,202 8,555 SH   SOLE   8,555 0 0
Schwab Strategic Tr SMCAP INTL EQ ETF 808524888 402 9,655 SH   SOLE   9,655 0 0
Schwab Strategic Tr INTL EQ ETF 808524805 467 11,829 SH   SOLE   11,829 0 0
Schwab Strategic Tr US MIDCAP ETF 808524508 314 4,014 SH   SOLE   4,014 0 0
Schwab Strategic Tr US LARGE CAP ETF 808524201 245 2,359 SH   SOLE   2,359 0 0
Select Sector SPDR TR SBI MATERIALS 81369Y100 2,783 33,806 SH   SOLE   33,331 0 475
Snap-On Inc. COM 833034101 2,668 11,939 SH   SOLE   11,164 0 775
SPDR Gold Trust Gold Shares ETF 78463V107 230 1,387 SH   SOLE   1,387 0 0
SPDR S&P 500 ETF Tr TR UNIT 78462F103 292 682 SH   SOLE   682 0 0
SPDR S&P Midcap 400 ETF Tr UTSER1 S&PDCRP 78467Y107 203 414 SH   SOLE   414 0 0
Starbucks Corp. COM 855244109 6,883 61,556 SH   SOLE   60,161 0 1,395
Stryker Corp. COM 863667101 4,470 17,210 SH   SOLE   16,610 0 600
Thermo Fisher COM 883556102 463 918 SH   SOLE   918 0 0
TotalEnergies SE SPONS ADS 89151E109 434 9,579 SH   SOLE   9,224 0 355
Tractor Supply Co. COM 892356106 275 1,480 SH   SOLE   1,480 0 0
Union Pacific Corp COM 907818108 281 1,277 SH   SOLE   1,277 0 0
United Parcel Svc COM 911312106 3,683 17,707 SH   SOLE   17,432 0 275
UnitedHealth Gr COM 91324P102 3,103 7,748 SH   SOLE   7,658 0 90
Vanguard Charlotte FDS INTL BD IDX ETF 92203J407 1,352 23,680 SH   SOLE   22,380 0 1,300
Vanguard Index FDS REAL ESTATE ETF 922908553 798 7,842 SH   SOLE   7,572 0 270
Vanguard World FDS FINCLS IDX ETF 92204A405 1,747 19,320 SH   SOLE   18,840 0 480
Visa Inc COM 92826C839 1,326 5,671 SH   SOLE   5,511 0 160
Walgreens Boots COM 931427108 323 6,145 SH   SOLE   6,145 0 0
Walmart Inc COM 931142103 248 1,759 SH   SOLE   1,759 0 0
Walt Disney Co. COM 254687106 4,387 24,956 SH   SOLE   23,796 0 1,160
Wash Federal Inc COM 938824109 1,129 35,511 SH   SOLE   34,911 0 600
Waste Management COM 94106L109 3,325 23,731 SH   SOLE   22,931 0 800
Xcel Energy Inc COM 98389B100 405 6,147 SH   SOLE   6,147 0 0