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 6,576 56,725 SH   SOLE   56,725 0 0
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS ETF 00326A104 310 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101 161,201 275,256 SH   SOLE   275,256 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,790 714 SH   SOLE   714 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 8,676 3,553 SH   SOLE   3,553 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 7,739 46,836 SH   SOLE   46,836 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 6,078 22,499 SH   SOLE   22,499 0 0
APPLE INCORPORATED COMMON STOCK 037833100 8,901 64,989 SH   SOLE   64,989 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 248 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109 129 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4,216 86,768 SH   SOLE   86,768 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 393 8,877 SH   SOLE   8,877 0 0
DANAHER CORPORATION COMMON STOCK 235851102 6,254 23,304 SH   SOLE   23,304 0 0
DIAGEO PLC SPON ADR NEW COMMON STOCK 25243Q205 173 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 6,412 36,482 SH   SOLE   36,482 0 0
EBAY INC COMMON STOCK 278642103 2,781 39,622 SH   SOLE   39,622 0 0
FORTIVE CORP COMMON STOCK 34959J108 1,013 14,524 SH   SOLE   14,524 0 0
INVESCO BL UNIT SER 1 ETF 46090E103 338 955 SH   SOLE   955 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 3,642 3,960 SH   SOLE   3,960 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 5,451 12,679 SH   SOLE   12,679 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 6,595 57,181 SH   SOLE   57,181 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 10 116 SH   SOLE   116 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 13 113 SH   SOLE   113 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 7,401 55,799 SH   SOLE   55,799 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 10 186 SH   SOLE   186 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 9,810 368,949 SH   SOLE   368,949 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 290 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 12,962 171,588 SH   SOLE   171,588 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6,924 94,062 SH   SOLE   94,062 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 9,237 123,396 SH   SOLE   123,396 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 15 218 SH   SOLE   218 0 0
ISHARES MSCI USA MULTIFACTOR ETF ETF 46434V282 8,374 195,559 SH   SOLE   195,559 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 368 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 8,717 56,046 SH   SOLE   56,046 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,687 40,594 SH   SOLE   40,594 0 0
MCDONALDS CORP COMMON STOCK 580135101 520 2,250 SH   SOLE   2,250 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,573 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 284 1,050 SH   SOLE   1,050 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 7,031 112,615 SH   SOLE   112,615 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 28 500 SH   SOLE   500 0 0
ORGANON & CO COMMON STOCK 68622V106 61 2,023 SH   SOLE   2,023 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 11,230 38,530 SH   SOLE   38,530 0 0
PEPSICO INC COMMON STOCK 713448108 4,983 33,630 SH   SOLE   33,630 0 0
PFIZER INC COMMON STOCK 717081103 282 7,200 SH   SOLE   7,200 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 54 402 SH   SOLE   402 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 3,531 41,393 SH   SOLE   41,393 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 918 2,144 SH   SOLE   2,144 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 491 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 5,545 49,597 SH   SOLE   49,597 0 0
SYSCO CORP COMMON STOCK 871829107 167 2,150 SH   SOLE   2,150 0 0
VISA INC COMMON STOCK 92826C839 7,331 31,355 SH   SOLE   31,355 0 0