A T & T INC COMMON STOCK 00206R102 143520 7800 SH SOLE 7800 0 0 ABBOTT LABORATORIES COMMON STOCK 002824100 6288299 57276 SH SOLE 57276 0 0 ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 318645 18250 SH SOLE 18250 0 0 ADOBE INC COMMON STOCK 00724F101 85121048 252945 SH SOLE 252945 0 0 ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1247543 14060 SH SOLE 14060 0 0 ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 6088900 69012 SH SOLE 69012 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 6561401 44409 SH SOLE 44409 0 0 AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 4636736 21886 SH SOLE 21886 0 0 APPLE INCORPORATED COMMON STOCK 037833100 7197308 55394 SH SOLE 55394 0 0 AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 298575 1250 SH SOLE 1250 0 0 BAXTER INTL INC COMMON STOCK 071813109 81552 1600 SH SOLE 1600 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 3523388 85416 SH SOLE 85416 0 0 XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 370408 8784 SH SOLE 8784 0 0 DANAHER CORPORATION COMMON STOCK 235851102 5913038 22279 SH SOLE 22279 0 0 DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 160371 900 SH SOLE 900 0 0 DISNEY (WALT) COMPANY COMMON STOCK 254687106 3537643 40719 SH SOLE 40719 0 0 EBAY INC COMMON STOCK 278642103 1589379 38326 SH SOLE 38326 0 0 FORTIVE CORP COMMON STOCK 34959J108 922736 14362 SH SOLE 14362 0 0 INVESCO BL UNIT SER 1 ETF 46090E103 249750 938 SH SOLE 938 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 3152239 11880 SH SOLE 11880 0 0 ISHARES CORE S & P 500 ETF ETF 464287200 155979 406 SH SOLE 406 0 0 ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 5667757 58437 SH SOLE 58437 0 0 ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 14040 173 SH SOLE 173 0 0 ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 14478 153 SH SOLE 153 0 0 ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 6043769 55925 SH SOLE 55925 0 0 ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 15838 318 SH SOLE 318 0 0 ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 8721701 384048 SH SOLE 384048 0 0 ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 312720 3000 SH SOLE 3000 0 0 ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 11315233 177969 SH SOLE 177969 0 0 ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6701604 92949 SH SOLE 92949 0 0 ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 10893981 176765 SH SOLE 176765 0 0 ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 20779 445 SH SOLE 445 0 0 ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 7417488 190192 SH SOLE 190192 0 0 ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 365000 7300 SH SOLE 7300 0 0 JPMORGAN CHASE & CO COMMON STOCK 46625H100 7636972 56950 SH SOLE 56950 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 7176733 40627 SH SOLE 40627 0 0 MCDONALDS CORP COMMON STOCK 580135101 579744 2200 SH SOLE 2200 0 0 MERCK & CO NEW COMMON STOCK 58933Y105 2244740 20232 SH SOLE 20232 0 0 MICROSOFT CORP COMMON STOCK 594918104 331671 1383 SH SOLE 1383 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 7355199 110356 SH SOLE 110356 0 0 NU SKIN ENTERPRISES COMMON STOCK 67018T105 21075 500 SH SOLE 500 0 0 PAYPAL HLDGS INC COMMON STOCK 70450Y103 2690691 37780 SH SOLE 37780 0 0 PEPSICO INC COMMON STOCK 713448108 6060570 33547 SH SOLE 33547 0 0 PFIZER INC COMMON STOCK 717081103 368928 7200 SH SOLE 7200 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 4173719 41357 SH SOLE 41357 0 0 SPDR S & P DEPOSIT RCPTS ETF 78462F103 594272 1554 SH SOLE 1554 0 0 SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 493500 35000 SH SOLE 35000 0 0 STARBUCKS CORP COMMON STOCK 855244109 4989351 50296 SH SOLE 50296 0 0 SYSCO CORP COMMON STOCK 871829107 164367 2150 SH SOLE 2150 0 0 VISA INC COMMON STOCK 92826C839 6571628 31631 SH SOLE 31631 0 0