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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
A T & T INC COMMON STOCK 00206R102   143,520 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   6,288,299 57,276 SH   SOLE   57,276 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104   318,645 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101   85,121,048 252,945 SH   SOLE   252,945 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,247,543 14,060 SH   SOLE   14,060 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   6,088,900 69,012 SH   SOLE   69,012 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   6,561,401 44,409 SH   SOLE   44,409 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100   4,636,736 21,886 SH   SOLE   21,886 0 0
APPLE INCORPORATED COMMON STOCK 037833100   7,197,308 55,394 SH   SOLE   55,394 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103   298,575 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109   81,552 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   3,523,388 85,416 SH   SOLE   85,416 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481   370,408 8,784 SH   SOLE   8,784 0 0
DANAHER CORPORATION COMMON STOCK 235851102   5,913,038 22,279 SH   SOLE   22,279 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205   160,371 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106   3,537,643 40,719 SH   SOLE   40,719 0 0
EBAY INC COMMON STOCK 278642103   1,589,379 38,326 SH   SOLE   38,326 0 0
FORTIVE CORP COMMON STOCK 34959J108   922,736 14,362 SH   SOLE   14,362 0 0
INVESCO BL UNIT SER 1 ETF 46090E103   249,750 938 SH   SOLE   938 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602   3,152,239 11,880 SH   SOLE   11,880 0 0
ISHARES CORE S & P 500 ETF ETF 464287200   155,979 406 SH   SOLE   406 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226   5,667,757 58,437 SH   SOLE   58,437 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457   14,040 173 SH   SOLE   173 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804   14,478 153 SH   SOLE   153 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887   6,043,769 55,925 SH   SOLE   55,925 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646   15,838 318 SH   SOLE   318 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267   8,721,701 384,048 SH   SOLE   384,048 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   312,720 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689   11,315,233 177,969 SH   SOLE   177,969 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697   6,701,604 92,949 SH   SOLE   92,949 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842   10,893,981 176,765 SH   SOLE   176,765 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103   20,779 445 SH   SOLE   445 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282   7,417,488 190,192 SH   SOLE   190,192 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621   365,000 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   7,636,972 56,950 SH   SOLE   56,950 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   7,176,733 40,627 SH   SOLE   40,627 0 0
MCDONALDS CORP COMMON STOCK 580135101   579,744 2,200 SH   SOLE   2,200 0 0
MERCK & CO NEW COMMON STOCK 58933Y105   2,244,740 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104   331,671 1,383 SH   SOLE   1,383 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   7,355,199 110,356 SH   SOLE   110,356 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105   21,075 500 SH   SOLE   500 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103   2,690,691 37,780 SH   SOLE   37,780 0 0
PEPSICO INC COMMON STOCK 713448108   6,060,570 33,547 SH   SOLE   33,547 0 0
PFIZER INC COMMON STOCK 717081103   368,928 7,200 SH   SOLE   7,200 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   4,173,719 41,357 SH   SOLE   41,357 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103   594,272 1,554 SH   SOLE   1,554 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104   493,500 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   4,989,351 50,296 SH   SOLE   50,296 0 0
SYSCO CORP COMMON STOCK 871829107   164,367 2,150 SH   SOLE   2,150 0 0
VISA INC COMMON STOCK 92826C839   6,571,628 31,631 SH   SOLE   31,631 0 0