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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
A T & T INCCOMMON STOCK00206R1022277,500SH SOLE 7,50000
ABBOTT LABORATORIESCOMMON STOCK0028241006,79956,737SH SOLE 56,73700
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHSETF00326A10429918,250SH SOLE 18,25000
ADOBE INCCOMMON STOCK00724F101144,342303,648SH SOLE 303,64800
ALPHABET INC CAP STK CL CCOMMON STOCK02079K1071,491721SH SOLE 72100
ALPHABET INC CAP STK CL ACOMMON STOCK02079K3058,1963,974SH SOLE 3,97400
AMERICAN EXPRESS COCOMMON STOCK0258161096,72847,568SH SOLE 47,56800
AMERICAN TOWER CORP NEWCOMMON STOCK REIT03027X1005,30522,192SH SOLE 22,19200
APPLE INCORPORATEDCOMMON STOCK0378331008,14966,714SH SOLE 66,71400
AUTOMATIC DATA PROCESSING INCOMMON STOCK0530151032361,250SH SOLE 1,25000
BAXTER INTL INCCOMMON STOCK0718131091351,600SH SOLE 1,60000
CARRIER GLOBAL CORPORATIONCOMMON STOCK14448C1043,03071,767SH SOLE 71,76700
XTRACKERS RUSSELL 1000 COMP FACTOR ETFETF2330514813768,957SH SOLE 8,95700
DANAHER CORPORATIONCOMMON STOCK2358511025,25423,342SH SOLE 23,34200
DIAGEO PLC SPON ADR NEWCOMMON STOCK25243Q205148900SH SOLE 90000
DISNEY (WALT) COMPANYCOMMON STOCK2546871066,73336,491SH SOLE 36,49100
EBAY INCCOMMON STOCK2786421032,42639,622SH SOLE 39,62200
FORTIVE CORPCOMMON STOCK34959J1081,02614,525SH SOLE 14,52500
INVESCO BL UNIT SER 1ETF46090E103305955SH SOLE 95500
INTUITIVE SURGICAL INCCOMMON STOCK46120E6022,9263,960SH SOLE 3,96000
ISHARES CORE S & P 500 ETFETF4642872005,03312,651SH SOLE 12,65100
ISHARES CORE U.S.AGGREGATE BOND ETFETF - FIXED INCOME4642872266,27355,109SH SOLE 55,10900
ISHARES TR 20 YR TR BD ETFETF - FIXED INCOME4642874325,01237,000SH SOLE 37,00000
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUNDETF - FIXED INCOME464287457784SH SOLE 8400
ISHARES FUSSELL 1000 VALUE ETFETF464287598144950SH SOLE 95000
ISHARES TR CORE S&P SCP ETFCOMMON STOCK4642878041089SH SOLE 8900
ISHARES TR S&P SML 600 GWTCOMMON STOCK4642878877,35657,364SH SOLE 57,36400
ISHARES TR1-5 YR INVE GRADEETF - FIXED INCOME4642886467136SH SOLE 13600
ISHARES CORE HIGH DIVIDEND ETFETF46429B6632853,000SH SOLE 3,00000
ISHARES MSCI EAFE MIN VOL FACTOR ETFCOMMON STOCK46429B68911,934163,509SH SOLE 163,50900
ISHARES MSCI USA MIN VOL FACTOR ETFCOMMON STOCK46429B6976,48693,742SH SOLE 93,74200
ISHARES TR CORE MSCI EAFECOMMON STOCK46432F8428,888123,379SH SOLE 123,37900
ISHARES INC CORE MSCI EMKTCOMMON STOCK46434G10311166SH SOLE 16600
ISHARES MSCI USA MULTIFACTOR ETFETF46434V2827,945195,551SH SOLE 195,55100
ISHARES TR CORE DIV GRWTHCOMMON STOCK46434V6213527,300SH SOLE 7,30000
JPMORGAN CHASE & COCOMMON STOCK46625H1008,56956,293SH SOLE 56,29300
JOHNSON & JOHNSONCOMMON STOCK4781601046,57540,007SH SOLE 40,00700
MCDONALDS CORPCOMMON STOCK5801351015602,500SH SOLE 2,50000
MERCK & CO NEWCOMMON STOCK58933Y1051,56020,232SH SOLE 20,23200
MICROSOFT CORPCOMMON STOCK5949181042481,050SH SOLE 1,05000
MONDELEZ INTL INC CL ACOMMON STOCK6092071056,491110,917SH SOLE 110,91700
NU SKIN ENTERPRISESCOMMON STOCK67018T10526500SH SOLE 50000
PAYPAL HLDGS INCCOMMON STOCK70450Y1039,35738,530SH SOLE 38,53000
PEPSICO INCCOMMON STOCK7134481084,76033,649SH SOLE 33,64900
PFIZER INCCOMMON STOCK7170811032617,200SH SOLE 7,20000
PROCTER & GAMBLE COCOMMON STOCK74271810954402SH SOLE 40200
RAYTHEON TECHNOLOGIES CORPCOMMON STOCK75513E1013,21641,618SH SOLE 41,61800
SPDR S & P DEPOSIT RCPTSETF78462F1038622,174SH SOLE 2,17400
SPROTT PHYSICAL GOLD TR UNITCOMMON STOCK85207H10446935,000SH SOLE 35,00000
STARBUCKS CORPCOMMON STOCK8552441095,40849,495SH SOLE 49,49500
SYSCO CORPCOMMON STOCK8718291071692,150SH SOLE 2,15000
VISA INCCOMMON STOCK92826C8396,60031,170SH SOLE 31,17000