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
Estimated average burden
hours per response: 23.8
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
A T & T INC COMMON STOCK 00206R102 120 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 5,544 57,296 SH   SOLE   57,296 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 291 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101 69,608 252,945 SH   SOLE   252,945 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,352 14,060 SH   SOLE   14,060 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 6,602 69,020 SH   SOLE   69,020 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 6,020 44,620 SH   SOLE   44,620 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 4,700 21,889 SH   SOLE   21,889 0 0
APPLE INCORPORATED COMMON STOCK 037833100 7,675 55,534 SH   SOLE   55,534 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 283 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109 86 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 3,030 85,231 SH   SOLE   85,231 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 334 8,819 SH   SOLE   8,819 0 0
DANAHER CORPORATION COMMON STOCK 235851102 5,797 22,444 SH   SOLE   22,444 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 153 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 3,824 40,544 SH   SOLE   40,544 0 0
EBAY INC COMMON STOCK 278642103 1,411 38,326 SH   SOLE   38,326 0 0
FORTIVE CORP COMMON STOCK 34959J108 841 14,424 SH   SOLE   14,424 0 0
INVESCO BL UNIT SER 1 ETF 46090E103 253 946 SH   SOLE   946 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 2,227 11,880 SH   SOLE   11,880 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 146 406 SH   SOLE   406 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 5,635 58,489 SH   SOLE   58,489 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 14 173 SH   SOLE   173 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 13 153 SH   SOLE   153 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 5,689 55,953 SH   SOLE   55,953 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 16 318 SH   SOLE   318 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 8,942 393,050 SH   SOLE   393,050 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 274 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 10,171 178,416 SH   SOLE   178,416 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6,161 93,208 SH   SOLE   93,208 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 9,319 176,933 SH   SOLE   176,933 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 19 445 SH   SOLE   445 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 6,902 190,559 SH   SOLE   190,559 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 325 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 5,958 57,017 SH   SOLE   57,017 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,637 40,627 SH   SOLE   40,627 0 0
MCDONALDS CORP COMMON STOCK 580135101 508 2,200 SH   SOLE   2,200 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,742 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 322 1,383 SH   SOLE   1,383 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 6,061 110,547 SH   SOLE   110,547 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 17 500 SH   SOLE   500 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 3,251 37,780 SH   SOLE   37,780 0 0
PEPSICO INC COMMON STOCK 713448108 5,501 33,695 SH   SOLE   33,695 0 0
PFIZER INC COMMON STOCK 717081103 315 7,200 SH   SOLE   7,200 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 3,405 41,591 SH   SOLE   41,591 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 559 1,566 SH   SOLE   1,566 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 448 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 4,232 50,226 SH   SOLE   50,226 0 0
SYSCO CORP COMMON STOCK 871829107 152 2,150 SH   SOLE   2,150 0 0
VISA INC COMMON STOCK 92826C839 5,622 31,645 SH   SOLE   31,645 0 0