A T & T INC COMMON STOCK 00206R102 117156 7800 SH SOLE 7800 0 0 ABBOTT LABORATORIES COMMON STOCK 002824100 5551802 57324 SH SOLE 57324 0 0 ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 322660 18250 SH SOLE 18250 0 0 ADOBE INC COMMON STOCK 00724F101 120444171 236216 SH SOLE 236216 0 0 ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1853811 14060 SH SOLE 14060 0 0 ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 8945953 68363 SH SOLE 68363 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 6472131 43382 SH SOLE 43382 0 0 AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 3793995 23071 SH SOLE 23071 0 0 APPLE INCORPORATED COMMON STOCK 037833100 9120838 53273 SH SOLE 53273 0 0 AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 300725 1250 SH SOLE 1250 0 0 BAXTER INTL INC COMMON STOCK 071813109 60368 1600 SH SOLE 1600 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4468649 80954 SH SOLE 80954 0 0 XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 364839 8475 SH SOLE 8475 0 0 DANAHER CORPORATION COMMON STOCK 235851102 5495143 22149 SH SOLE 22149 0 0 DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 134262 900 SH SOLE 900 0 0 DISNEY (WALT) COMPANY COMMON STOCK 254687106 3676968 45367 SH SOLE 45367 0 0 EBAY INC COMMON STOCK 278642103 1632652 37030 SH SOLE 37030 0 0 FORTIVE CORP COMMON STOCK 34959J108 1064918 14362 SH SOLE 14362 0 0 FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611 5472 282 SH SOLE 282 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 2741586 9380 SH SOLE 9380 0 0 INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842 16071 214 SH SOLE 214 0 0 ISHARES CORE S & P 500 ETF ETF 464287200 316902 738 SH SOLE 738 0 0 ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 6867703 73030 SH SOLE 73030 0 0 ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 5504 68 SH SOLE 68 0 0 ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 296670 3000 SH SOLE 3000 0 0 ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 11607625 177977 SH SOLE 177977 0 0 ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6597401 91150 SH SOLE 91150 0 0 ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 11184115 173802 SH SOLE 173802 0 0 ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 39213 824 SH SOLE 824 0 0 ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 8032145 185458 SH SOLE 185458 0 0 ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449 7893476 250827 SH SOLE 250827 0 0 ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 361496 7300 SH SOLE 7300 0 0 JPMORGAN CHASE & CO COMMON STOCK 46625H100 8134577 56093 SH SOLE 56093 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 6272028 40270 SH SOLE 40270 0 0 MCDONALDS CORP COMMON STOCK 580135101 533202 2024 SH SOLE 2024 0 0 MERCK & CO NEW COMMON STOCK 58933Y105 2082884 20232 SH SOLE 20232 0 0 MICROSOFT CORP COMMON STOCK 594918104 405106 1283 SH SOLE 1283 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 7510946 108227 SH SOLE 108227 0 0 NU SKIN ENTERPRISES COMMON STOCK 67018T105 10600 500 SH SOLE 500 0 0 PEPSICO INC COMMON STOCK 713448108 5584373 32958 SH SOLE 32958 0 0 RTX CORPORATION COMMON STOCK 75513E101 2924684 40638 SH SOLE 40638 0 0 SPDR S & P DEPOSIT RCPTS ETF 78462F103 660431 1545 SH SOLE 1545 0 0 SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375 11729 373 SH SOLE 373 0 0 SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839 16277 251 SH SOLE 251 0 0 SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848 24805 642 SH SOLE 642 0 0 SCHWAB FUNDAMENTAL INTL LARGE COMPANY INDEX ETF ETF 808524755 36249 1145 SH SOLE 1145 0 0 SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 257760 18000 SH SOLE 18000 0 0 STARBUCKS CORP COMMON STOCK 855244109 4588749 50277 SH SOLE 50277 0 0 SYSCO CORP COMMON STOCK 871829107 141986 2150 SH SOLE 2150 0 0 VANGUARD SHORT-TERM TREASURY ETF ETF - FIXED INCOME 92206C102 3449714 59902 SH SOLE 59902 0 0 VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847 2955794 53258 SH SOLE 53258 0 0 VISA INC COMMON STOCK 92826C839 7110263 30913 SH SOLE 30913 0 0