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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
A T & T INC COMMON STOCK 00206R102   137,202 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   6,481,321 57,024 SH   SOLE   57,024 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104   387,447 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101   110,418,919 218,829 SH   SOLE   218,829 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   2,140,775 14,060 SH   SOLE   14,060 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   10,184,574 67,479 SH   SOLE   67,479 0 0
AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703   1,912 30 SH   SOLE   30 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   9,470,736 41,595 SH   SOLE   41,595 0 0
AMERICAN TOWER CORP NEW COM COMMON STOCK REIT 03027X100   4,559,752 23,077 SH   SOLE   23,077 0 0
APPLE INCORPORATED COMMON STOCK 037833100   8,988,605 52,418 SH   SOLE   52,418 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103   312,175 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109   68,368 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   4,418,657 76,014 SH   SOLE   76,014 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481   427,286 8,192 SH   SOLE   8,192 0 0
DANAHER CORPORATION COMMON STOCK 235851102   5,470,829 21,908 SH   SOLE   21,908 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205   133,866 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106   5,562,459 45,460 SH   SOLE   45,460 0 0
EBAY INC COMMON STOCK 278642103   1,954,073 37,030 SH   SOLE   37,030 0 0
FORTIVE CORP COMMON STOCK 34959J108   1,235,392 14,362 SH   SOLE   14,362 0 0
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611   451,834 22,346 SH   SOLE   22,346 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602   3,743,370 9,380 SH   SOLE   9,380 0 0
ETF INVESCO S&P 500 QUALITY ETF - FIXED INCOME 46137V241   24,227 401 SH   SOLE   401 0 0
INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842   187,152 2,059 SH   SOLE   2,059 0 0
ISHARES CORE S & P 500 ETF ETF 464287200   464,725 884 SH   SOLE   884 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226   7,350,154 75,048 SH   SOLE   75,048 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457   5,558 68 SH   SOLE   68 0 0
ISHARES TRUST ETF FOREIGN ETF 464287465   711,311 8,907 SH   SOLE   8,907 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646   908,451 17,719 SH   SOLE   17,719 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267   407,946 17,916 SH   SOLE   17,916 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   330,630 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689   251,624 3,550 SH   SOLE   3,550 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697   7,502,107 89,760 SH   SOLE   89,760 0 0
ISHARES MSCI USA MOMENTUS FACTOR ETF ETF 46432F396   34,284 183 SH   SOLE   183 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842   13,601,886 183,265 SH   SOLE   183,265 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103   50,143 972 SH   SOLE   972 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282   9,578,569 178,008 SH   SOLE   178,008 0 0
ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449   9,841,110 250,922 SH   SOLE   250,922 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF - FIXED INCOME 46434V613   387,606 8,502 SH   SOLE   8,502 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621   423,838 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   10,992,242 54,879 SH   SOLE   54,879 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   6,466,140 40,876 SH   SOLE   40,876 0 0
MCDONALDS CORP COMMON STOCK 580135101   503,826 1,787 SH   SOLE   1,787 0 0
MERCK & CO NEW COMMON STOCK 58933Y105   2,669,612 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104   539,770 1,283 SH   SOLE   1,283 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   7,512,750 107,325 SH   SOLE   107,325 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105   6,915 500 SH   SOLE   500 0 0
PEPSICO INC COM COMMON STOCK 713448108   5,762,524 32,927 SH   SOLE   32,927 0 0
RTX CORPORATION COMMON STOCK 75513E101   3,955,685 40,559 SH   SOLE   40,559 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103   804,474 1,538 SH   SOLE   1,538 0 0
SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375   12,188 373 SH   SOLE   373 0 0
SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839   19,076 251 SH   SOLE   251 0 0
SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848   3,593,343 89,744 SH   SOLE   89,744 0 0
SCHWAB US LARGE CAP VALUE ETF ETF 808524409   32,893 433 SH   SOLE   433 0 0
SCHWAB FUNDAMENTAL INTL LARGE COMPANY INDEX ETF ETF 808524755   48,534 1,363 SH   SOLE   1,363 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104   311,220 18,000 SH   SOLE   18,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   4,594,233 50,271 SH   SOLE   50,271 0 0
SYSCO CORP COMMON STOCK 871829107   174,537 2,150 SH   SOLE   2,150 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF - FIXED INCOME 92206C102   3,531,861 60,832 SH   SOLE   60,832 0 0
VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847   2,958,343 49,939 SH   SOLE   49,939 0 0
VISA INC COMMON STOCK 92826C839   8,541,736 30,608 SH   SOLE   30,608 0 0