A T & T INC COMMON STOCK 00206R102 171600 7800 SH SOLE 7800 0 0 ABBOTT LABORATORIES COMMON STOCK 002824100 6494433 56964 SH SOLE 56964 0 0 ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 458440 18250 SH SOLE 18250 0 0 ADOBE INC COMMON STOCK 00724F101 113282375 218789 SH SOLE 218789 0 0 ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1869184 11180 SH SOLE 11180 0 0 ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 11034983 66536 SH SOLE 66536 0 0 AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703 2010 30 SH SOLE 30 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 10748587 39635 SH SOLE 39635 0 0 AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 5359782 23047 SH SOLE 23047 0 0 APPLE INCORPORATED COMMON STOCK 037833100 11801450 50650 SH SOLE 50650 0 0 AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 345900 1250 SH SOLE 1250 0 0 BAXTER INTL INC COMMON STOCK 071813109 60752 1600 SH SOLE 1600 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 5949464 73916 SH SOLE 73916 0 0 XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 411621 7517 SH SOLE 7517 0 0 DANAHER CORPORATION COMMON STOCK 235851102 6018609 21649 SH SOLE 21649 0 0 DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 126306 900 SH SOLE 900 0 0 DISNEY (WALT) COMPANY COMMON STOCK 254687106 4376035 45494 SH SOLE 45494 0 0 EBAY INC COMMON STOCK 278642103 2411023 37030 SH SOLE 37030 0 0 FORTIVE CORP COMMON STOCK 34959J108 1133247 14358 SH SOLE 14358 0 0 FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611 464571 22346 SH SOLE 22346 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 4300980 8755 SH SOLE 8755 0 0 ETF INVESCO S&P 500 QUALITY ETF - FIXED INCOME 46137V241 26973 401 SH SOLE 401 0 0 INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842 192503 2073 SH SOLE 2073 0 0 ISHARES CORE S & P 500 ETF ETF 464287200 501247 869 SH SOLE 869 0 0 ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 12677433 125185 SH SOLE 125185 0 0 ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 5652 68 SH SOLE 68 0 0 ISHARES TRUST ETF FOREIGN ETF 464287465 744890 8907 SH SOLE 8907 0 0 ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 623375 11840 SH SOLE 11840 0 0 ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 179931 7673 SH SOLE 7673 0 0 ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 352860 3000 SH SOLE 3000 0 0 ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 272285 3550 SH SOLE 3550 0 0 ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 7743319 84803 SH SOLE 84803 0 0 ISHARES MSCI USA MOMENTUS FACTOR ETF ETF 46432F396 37104 183 SH SOLE 183 0 0 ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 14233213 182384 SH SOLE 182384 0 0 ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 55791 972 SH SOLE 972 0 0 ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 10356113 176215 SH SOLE 176215 0 0 ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449 10113162 250451 SH SOLE 250451 0 0 ISHARES CORE TOTAL USD BOND MARKET ETF ETF - FIXED INCOME 46434V613 400529 8502 SH SOLE 8502 0 0 ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 457564 7300 SH SOLE 7300 0 0 JPMORGAN CHASE & CO COMMON STOCK 46625H100 11412555 54124 SH SOLE 54124 0 0 ETF J P MORGAN ULTRA-SHORT ETF 46641Q837 191429 3773 SH SOLE 3773 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 6616070 40825 SH SOLE 40825 0 0 MCDONALDS CORP COMMON STOCK 580135101 544158 1787 SH SOLE 1787 0 0 MERCK & CO NEW COMMON STOCK 58933Y105 2297545 20232 SH SOLE 20232 0 0 MICROSOFT CORP COMMON STOCK 594918104 552061 1283 SH SOLE 1283 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 7900419 107241 SH SOLE 107241 0 0 NU SKIN ENTERPRISES COMMON STOCK 67018T105 3685 500 SH SOLE 500 0 0 PEPSICO INC COMMON STOCK 713448108 5593427 32893 SH SOLE 32893 0 0 RTX CORPORATION COMMON STOCK 75513E101 4823112 39808 SH SOLE 39808 0 0 SPDR S & P DEPOSIT RCPTS ETF 78462F103 870959 1518 SH SOLE 1518 0 0 SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375 12569 373 SH SOLE 373 0 0 SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839 19943 251 SH SOLE 251 0 0 SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848 3715395 89744 SH SOLE 89744 0 0 SCHWAB US LARGE CAP VALUE ETF ETF 808524409 34798 433 SH SOLE 433 0 0 SCHWAB FUNDAMENTAL INTL EQUITY ETF ETF 808524755 50919 1363 SH SOLE 1363 0 0 SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 366660 18000 SH SOLE 18000 0 0 STARBUCKS CORP COMMON STOCK 855244109 4896109 50222 SH SOLE 50222 0 0 SYSCO CORP COMMON STOCK 871829107 167829 2150 SH SOLE 2150 0 0 VANGUARD SHORT-TERM TREASURY ETF ETF - FIXED INCOME 92206C102 2968305 50294 SH SOLE 50294 0 0 VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847 4207870 68377 SH SOLE 68377 0 0 VISA INC COMMON STOCK 92826C839 8138465 29601 SH SOLE 29601 0 0