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   117,156 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   5,551,802 57,324 SH   SOLE   57,324 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104   322,660 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101   120,444,171 236,216 SH   SOLE   236,216 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,853,811 14,060 SH   SOLE   14,060 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   8,945,953 68,363 SH   SOLE   68,363 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   6,472,131 43,382 SH   SOLE   43,382 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100   3,793,995 23,071 SH   SOLE   23,071 0 0
APPLE INCORPORATED COMMON STOCK 037833100   9,120,838 53,273 SH   SOLE   53,273 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103   300,725 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109   60,368 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   4,468,649 80,954 SH   SOLE   80,954 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481   364,839 8,475 SH   SOLE   8,475 0 0
DANAHER CORPORATION COMMON STOCK 235851102   5,495,143 22,149 SH   SOLE   22,149 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205   134,262 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106   3,676,968 45,367 SH   SOLE   45,367 0 0
EBAY INC COMMON STOCK 278642103   1,632,652 37,030 SH   SOLE   37,030 0 0
FORTIVE CORP COMMON STOCK 34959J108   1,064,918 14,362 SH   SOLE   14,362 0 0
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611   5,472 282 SH   SOLE   282 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602   2,741,586 9,380 SH   SOLE   9,380 0 0
INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842   16,071 214 SH   SOLE   214 0 0
ISHARES CORE S & P 500 ETF ETF 464287200   316,902 738 SH   SOLE   738 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226   6,867,703 73,030 SH   SOLE   73,030 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457   5,504 68 SH   SOLE   68 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   296,670 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689   11,607,625 177,977 SH   SOLE   177,977 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697   6,597,401 91,150 SH   SOLE   91,150 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842   11,184,115 173,802 SH   SOLE   173,802 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103   39,213 824 SH   SOLE   824 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282   8,032,145 185,458 SH   SOLE   185,458 0 0
ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449   7,893,476 250,827 SH   SOLE   250,827 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621   361,496 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   8,134,577 56,093 SH   SOLE   56,093 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   6,272,028 40,270 SH   SOLE   40,270 0 0
MCDONALDS CORP COMMON STOCK 580135101   533,202 2,024 SH   SOLE   2,024 0 0
MERCK & CO NEW COMMON STOCK 58933Y105   2,082,884 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104   405,106 1,283 SH   SOLE   1,283 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   7,510,946 108,227 SH   SOLE   108,227 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105   10,600 500 SH   SOLE   500 0 0
PEPSICO INC COMMON STOCK 713448108   5,584,373 32,958 SH   SOLE   32,958 0 0
RTX CORPORATION COMMON STOCK 75513E101   2,924,684 40,638 SH   SOLE   40,638 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103   660,431 1,545 SH   SOLE   1,545 0 0
SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375   11,729 373 SH   SOLE   373 0 0
SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839   16,277 251 SH   SOLE   251 0 0
SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848   24,805 642 SH   SOLE   642 0 0
SCHWAB FUNDAMENTAL INTL LARGE COMPANY INDEX ETF ETF 808524755   36,249 1,145 SH   SOLE   1,145 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104   257,760 18,000 SH   SOLE   18,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   4,588,749 50,277 SH   SOLE   50,277 0 0
SYSCO CORP COMMON STOCK 871829107   141,986 2,150 SH   SOLE   2,150 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF - FIXED INCOME 92206C102   3,449,714 59,902 SH   SOLE   59,902 0 0
VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847   2,955,794 53,258 SH   SOLE   53,258 0 0
VISA INC COMMON STOCK 92826C839   7,110,263 30,913 SH   SOLE   30,913 0 0