A T & T INC COMMON STOCK 00206R102 177606 7800 SH SOLE 7800 0 0 ABBOTT LABORATORIES COMMON STOCK 002824100 6538741 57809 SH SOLE 57809 0 0 ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 456980 18250 SH SOLE 18250 0 0 ADOBE INC COMMON STOCK 00724F101 91445047 205647 SH SOLE 205647 0 0 ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 2129119 11180 SH SOLE 11180 0 0 ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 11648940 61537 SH SOLE 61537 0 0 AVANTIS INTERNATIONAL EQUITY ETF ETF 025072703 1840 30 SH SOLE 30 0 0 AMERICAN EXPRESS CO COMMON STOCK 025816109 11033657 37178 SH SOLE 37178 0 0 AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 4302394 23458 SH SOLE 23458 0 0 APPLE INCORPORATED COMMON STOCK 037833100 12328394 49231 SH SOLE 49231 0 0 AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 365900 1250 SH SOLE 1250 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4720489 69155 SH SOLE 69155 0 0 XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 397544 7406 SH SOLE 7406 0 0 DANAHER CORPORATION COMMON STOCK 235851102 4910274 21391 SH SOLE 21391 0 0 DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 114417 900 SH SOLE 900 0 0 DISNEY (WALT) COMPANY COMMON STOCK 254687106 5861771 52643 SH SOLE 52643 0 0 EBAY INC COMMON STOCK 278642103 2294008 37030 SH SOLE 37030 0 0 FORTIVE CORP COMMON STOCK 34959J108 1076850 14358 SH SOLE 14358 0 0 FRANKLIN INTERNATIONAL AGGREGATE BOND ETF ETF - FIXED INCOME 35473P611 454208 22408 SH SOLE 22408 0 0 INTUITIVE SURGICAL INC COMMON STOCK 46120E602 2284574 4377 SH SOLE 4377 0 0 ETF INVESCO S&P 500 QUALITY ETF - FIXED INCOME 46137V241 26874 401 SH SOLE 401 0 0 INVESCO DWA SC MOMENTUM COMMON STOCK 46138E842 222824 2441 SH SOLE 2441 0 0 ISHARES CORE S & P 500 ETF ETF 464287200 511544 869 SH SOLE 869 0 0 ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 13178358 136000 SH SOLE 136000 0 0 ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 5572 68 SH SOLE 68 0 0 ISHARES TRUST ETF FOREIGN ETF 464287465 673456 8907 SH SOLE 8907 0 0 ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 290140 5612 SH SOLE 5612 0 0 ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 6247685 271995 SH SOLE 271995 0 0 ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 336780 3000 SH SOLE 3000 0 0 ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 250985 3550 SH SOLE 3550 0 0 ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 7131214 80316 SH SOLE 80316 0 0 ISHARES MSCI USA MOMENTUS FACTOR ETF ETF 46432F396 37865 183 SH SOLE 183 0 0 ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 12798796 182112 SH SOLE 182112 0 0 ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 50756 972 SH SOLE 972 0 0 ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 10226088 169447 SH SOLE 169447 0 0 ISHARES MSCI INTL MOMENTUM FACTOR ETF COMMON STOCK 46434V449 9787121 261759 SH SOLE 261759 0 0 ISHARES CORE TOTAL USD BOND MARKET ETF ETF - FIXED INCOME 46434V613 384290 8502 SH SOLE 8502 0 0 ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 447782 7300 SH SOLE 7300 0 0 JPMORGAN CHASE & CO COMMON STOCK 46625H100 12524092 52247 SH SOLE 52247 0 0 ETF J P MORGAN ULTRA-SHORT ETF 46641Q837 890883 17691 SH SOLE 17691 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 5999672 41486 SH SOLE 41486 0 0 MCDONALDS CORP COMMON STOCK 580135101 518015 1787 SH SOLE 1787 0 0 MERCK & CO NEW COMMON STOCK 58933Y105 2012679 20232 SH SOLE 20232 0 0 MICROSOFT CORP COMMON STOCK 594918104 498634 1183 SH SOLE 1183 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 6510539 109018 SH SOLE 109018 0 0 NU SKIN ENTERPRISES COMMON STOCK 67018T105 3445 500 SH SOLE 500 0 0 PEPSICO INC COMMON STOCK 713448108 5070867 33348 SH SOLE 33348 0 0 RTX CORPORATION COMMON STOCK 75513E101 4493494 38831 SH SOLE 38831 0 0 SPDR S & P DEPOSIT RCPTS ETF 78462F103 874421 1492 SH SOLE 1492 0 0 SPDR PORTFOLIO INTERM TERM CORP BD ETF ETF - FIXED INCOME 78464A375 12214 373 SH SOLE 373 0 0 SPDR S&P 400 MID CAP VALUE COMMON STOCK 78464A839 20129 251 SH SOLE 251 0 0 SSGA DOUBLELINE TOTAL RETURN BOND ETF ETF - FIXED INCOME 78467V848 3534111 89744 SH SOLE 89744 0 0 SCHWAB US LARGE CAP VALUE ETF ETF 808524409 33851 1299 SH SOLE 1299 0 0 SCHWAB FUNDAMENTAL INTL EQUITY ETF ETF 808524755 45250 1363 SH SOLE 1363 0 0 SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 362340 18000 SH SOLE 18000 0 0 STARBUCKS CORP COMMON STOCK 855244109 4621969 50652 SH SOLE 50652 0 0 SYSCO CORP COMMON STOCK 871829107 164389 2150 SH SOLE 2150 0 0 VANGUARD LONG TERM TREASURY ETF ETF - FIXED INCOME 92206C847 7137 129 SH SOLE 129 0 0 VISA INC COMMON STOCK 92826C839 9387001 29703 SH SOLE 29703 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