A T & T INC COMMON STOCK 00206R102 124410 7800 SH SOLE 7800 0 0 ABBOTT LABORATORIES COMMON STOCK 002824100 6252052 57348 SH SOLE 57348 0 0 ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 335070 18250 SH SOLE 18250 0 0 ADOBE INC COMMON STOCK 00724F101 115534721 236277 SH SOLE 236277 0 0 ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1700838 14060 SH SOLE 14060 0 0 ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 8232366 68775 SH SOLE 68775 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 7570371 43458 SH SOLE 43458 0 0 AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 4267425 22004 SH SOLE 22004 0 0 APPLE INCORPORATED COMMON STOCK 037833100 10540878 54343 SH SOLE 54343 0 0 AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 274737 1250 SH SOLE 1250 0 0 BAXTER INTL INC COMMON STOCK 071813109 72896 1600 SH SOLE 1600 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4136660 83233 SH SOLE 83233 0 0 XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 381645 8502 SH SOLE 8502 0 0 DANAHER CORPORATION COMMON STOCK 235851102 5330880 22212 SH SOLE 22212 0 0 DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 156132 900 SH SOLE 900 0 0 DISNEY (WALT) COMPANY COMMON STOCK 254687106 3670635 41114 SH SOLE 41114 0 0 EBAY INC COMMON STOCK 278642103 1654500 37030 SH SOLE 37030 0 0 FORTIVE CORP COMMON STOCK 34959J108 1073816 14362 SH SOLE 14362 0 0 INVESCO BL UNIT SER 1 ETF 46090E103 344649 933 SH SOLE 933 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 3207397 9380 SH SOLE 9380 0 0 ISHARES CORE S & P 500 ETF ETF 464287200 204124 458 SH SOLE 458 0 0 ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 6703849 68442 SH SOLE 68442 0 0 ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 19295 238 SH SOLE 238 0 0 ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 17835 179 SH SOLE 179 0 0 ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 6400063 55687 SH SOLE 55687 0 0 ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 18708 373 SH SOLE 373 0 0 ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 10529 460 SH SOLE 460 0 0 ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 302370 3000 SH SOLE 3000 0 0 ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 12014240 177989 SH SOLE 177989 0 0 ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6813713 91669 SH SOLE 91669 0 0 ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 11810726 174974 SH SOLE 174974 0 0 ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 25481 517 SH SOLE 517 0 0 ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 8325832 186846 SH SOLE 186846 0 0 ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 376096 7300 SH SOLE 7300 0 0 JPMORGAN CHASE & CO COMMON STOCK 46625H100 8238281 56644 SH SOLE 56644 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 6666126 40274 SH SOLE 40274 0 0 MCDONALDS CORP COMMON STOCK 580135101 603961 2024 SH SOLE 2024 0 0 MERCK & CO NEW COMMON STOCK 58933Y105 2334570 20232 SH SOLE 20232 0 0 MICROSOFT CORP COMMON STOCK 594918104 470952 1383 SH SOLE 1383 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 7930964 108733 SH SOLE 108733 0 0 NU SKIN ENTERPRISES COMMON STOCK 67018T105 16600 500 SH SOLE 500 0 0 PAYPAL HLDGS INC COMMON STOCK 70450Y103 2003601 30030 SH SOLE 30030 0 0 PEPSICO INC COMMON STOCK 713448108 6120379 33044 SH SOLE 33044 0 0 PFIZER INC COMMON STOCK 717081103 264096 7200 SH SOLE 7200 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 3980184 40631 SH SOLE 40631 0 0 SPDR S & P DEPOSIT RCPTS ETF 78462F103 687502 1551 SH SOLE 1551 0 0 SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 522200 35000 SH SOLE 35000 0 0 STARBUCKS CORP COMMON STOCK 855244109 4980410 50277 SH SOLE 50277 0 0 SYSCO CORP COMMON STOCK 871829107 159530 2150 SH SOLE 2150 0 0 VANGUARD SHORT-TERM TREASURY ETF ETF - FIXED INCOME 92206C102 3383333 58617 SH SOLE 58617 0 0 VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847 3173737 49965 SH SOLE 49965 0 0 VISA INC COMMON STOCK 92826C839 7369682 31033 SH SOLE 31033 0 0