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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
A T & T INC COMMON STOCK 00206R102 216 7,500 SH   SOLE   7,500 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 6,295 57,490 SH   SOLE   57,490 0 0
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS ETF 00326A104 333 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101 153,859 307,650 SH   SOLE   307,650 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,268 724 SH   SOLE   724 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 7,226 4,123 SH   SOLE   4,123 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 5,745 47,515 SH   SOLE   47,515 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 4,906 21,859 SH   SOLE   21,859 0 0
APPLE INCORPORATED COMMON STOCK 037833100 9,327 70,291 SH   SOLE   70,291 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 220 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109 128 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 2,739 72,602 SH   SOLE   72,602 0 0
COCA COLA CO COMMON STOCK 191216100 14 250 SH   SOLE   250 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 340 8,792 SH   SOLE   8,792 0 0
DANAHER CORPORATION COMMON STOCK 235851102 5,282 23,780 SH   SOLE   23,780 0 0
DIAGEO PLC SPON ADR NEW COMMON STOCK 25243Q205 143 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 7,011 38,698 SH   SOLE   38,698 0 0
EBAY INC COMMON STOCK 278642103 1,991 39,622 SH   SOLE   39,622 0 0
FORTIVE CORP COMMON STOCK 34959J108 1,031 14,562 SH   SOLE   14,562 0 0
INVESCO BL UNIT SER 1 ETF 46090E103 302 962 SH   SOLE   962 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 3,240 3,960 SH   SOLE   3,960 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 4,797 12,780 SH   SOLE   12,780 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 6,036 51,072 SH   SOLE   51,072 0 0
ISHARES TR 20 YR TR BD ETF ETF - FIXED INCOME 464287432 5,729 36,321 SH   SOLE   36,321 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 4 42 SH   SOLE   42 0 0
ISHARES FUSSELL 1000 VALUE ETF ETF 464287598 130 950 SH   SOLE   950 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 5 59 SH   SOLE   59 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 6,934 60,727 SH   SOLE   60,727 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 4 71 SH   SOLE   71 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 263 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 11,803 160,799 SH   SOLE   160,799 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6,351 93,564 SH   SOLE   93,564 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 8,494 122,942 SH   SOLE   122,942 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 7 105 SH   SOLE   105 0 0
ISHARES MSCI USA MULTIFACTOR ETF ETF 46434V282 7,268 192,996 SH   SOLE   192,996 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 327 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 7,177 56,481 SH   SOLE   56,481 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,313 40,114 SH   SOLE   40,114 0 0
MCDONALDS CORP COMMON STOCK 580135101 536 2,500 SH   SOLE   2,500 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,655 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 234 1,050 SH   SOLE   1,050 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 6,446 110,237 SH   SOLE   110,237 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 27 500 SH   SOLE   500 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 9,024 38,530 SH   SOLE   38,530 0 0
PEPSICO INC COMMON STOCK 713448108 4,963 33,469 SH   SOLE   33,469 0 0
PFIZER INC COMMON STOCK 717081103 265 7,200 SH   SOLE   7,200 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 56 402 SH   SOLE   402 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 2,984 41,728 SH   SOLE   41,728 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 826 2,209 SH   SOLE   2,209 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 528 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 5,308 49,619 SH   SOLE   49,619 0 0
SYSCO CORP COMMON STOCK 871829107 160 2,150 SH   SOLE   2,150 0 0
VISA INC COMMON STOCK 92826C839 6,799 31,085 SH   SOLE   31,085 0 0
VONTIER CORPORATION COMMON STOCK 928881101 194 5,801 SH   SOLE   5,801 0 0