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
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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   171,600 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100   6,494,433 56,964 SH   SOLE   56,964 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104   458,440 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101   113,282,375 218,789 SH   SOLE   218,789 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107   1,869,184 11,180 SH   SOLE   11,180 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305   11,034,983 66,536 SH   SOLE   66,536 0 0
AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703   2,010 30 SH   SOLE   30 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   10,748,587 39,635 SH   SOLE   39,635 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100   5,359,782 23,047 SH   SOLE   23,047 0 0
APPLE INCORPORATED COMMON STOCK 037833100   11,801,450 50,650 SH   SOLE   50,650 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103   345,900 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109   60,752 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104   5,949,464 73,916 SH   SOLE   73,916 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481   411,621 7,517 SH   SOLE   7,517 0 0
DANAHER CORPORATION COMMON STOCK 235851102   6,018,609 21,649 SH   SOLE   21,649 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205   126,306 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106   4,376,035 45,494 SH   SOLE   45,494 0 0
EBAY INC COMMON STOCK 278642103   2,411,023 37,030 SH   SOLE   37,030 0 0
FORTIVE CORP COMMON STOCK 34959J108   1,133,247 14,358 SH   SOLE   14,358 0 0
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611   464,571 22,346 SH   SOLE   22,346 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602   4,300,980 8,755 SH   SOLE   8,755 0 0
ETF INVESCO S&P 500 QUALITY ETF - FIXED INCOME 46137V241   26,973 401 SH   SOLE   401 0 0
INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842   192,503 2,073 SH   SOLE   2,073 0 0
ISHARES CORE S & P 500 ETF ETF 464287200   501,247 869 SH   SOLE   869 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226   12,677,433 125,185 SH   SOLE   125,185 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457   5,652 68 SH   SOLE   68 0 0
ISHARES TRUST ETF FOREIGN ETF 464287465   744,890 8,907 SH   SOLE   8,907 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646   623,375 11,840 SH   SOLE   11,840 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267   179,931 7,673 SH   SOLE   7,673 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663   352,860 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689   272,285 3,550 SH   SOLE   3,550 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697   7,743,319 84,803 SH   SOLE   84,803 0 0
ISHARES MSCI USA MOMENTUS FACTOR ETF ETF 46432F396   37,104 183 SH   SOLE   183 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842   14,233,213 182,384 SH   SOLE   182,384 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103   55,791 972 SH   SOLE   972 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282   10,356,113 176,215 SH   SOLE   176,215 0 0
ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449   10,113,162 250,451 SH   SOLE   250,451 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF - FIXED INCOME 46434V613   400,529 8,502 SH   SOLE   8,502 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621   457,564 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100   11,412,555 54,124 SH   SOLE   54,124 0 0
ETF J P MORGAN ULTRA-SHORT ETF 46641Q837   191,429 3,773 SH   SOLE   3,773 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104   6,616,070 40,825 SH   SOLE   40,825 0 0
MCDONALDS CORP COMMON STOCK 580135101   544,158 1,787 SH   SOLE   1,787 0 0
MERCK & CO NEW COMMON STOCK 58933Y105   2,297,545 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104   552,061 1,283 SH   SOLE   1,283 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105   7,900,419 107,241 SH   SOLE   107,241 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105   3,685 500 SH   SOLE   500 0 0
PEPSICO INC COMMON STOCK 713448108   5,593,427 32,893 SH   SOLE   32,893 0 0
RTX CORPORATION COMMON STOCK 75513E101   4,823,112 39,808 SH   SOLE   39,808 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103   870,959 1,518 SH   SOLE   1,518 0 0
SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375   12,569 373 SH   SOLE   373 0 0
SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839   19,943 251 SH   SOLE   251 0 0
SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848   3,715,395 89,744 SH   SOLE   89,744 0 0
SCHWAB US LARGE CAP VALUE ETF ETF 808524409   34,798 433 SH   SOLE   433 0 0
SCHWAB FUNDAMENTAL INTL EQUITY ETF ETF 808524755   50,919 1,363 SH   SOLE   1,363 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104   366,660 18,000 SH   SOLE   18,000 0 0
STARBUCKS CORP COMMON STOCK 855244109   4,896,109 50,222 SH   SOLE   50,222 0 0
SYSCO CORP COMMON STOCK 871829107   167,829 2,150 SH   SOLE   2,150 0 0
VANGUARD SHORT-TERM TREASURY ETF ETF - FIXED INCOME 92206C102   2,968,305 50,294 SH   SOLE   50,294 0 0
VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847   4,207,870 68,377 SH   SOLE   68,377 0 0
VISA INC COMMON STOCK 92826C839   8,138,465 29,601 SH   SOLE   29,601 0 0