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 192 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 8,083 57,432 SH   SOLE   57,432 0 0
ABERDEEN STD GOLD ETF TR PHYSCL GOLD SHS ETF 00326A104 320 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101 154,106 271,768 SH   SOLE   271,768 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 2,066 714 SH   SOLE   714 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 10,406 3,592 SH   SOLE   3,592 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 7,558 46,196 SH   SOLE   46,196 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 6,584 22,511 SH   SOLE   22,511 0 0
APPLE INCORPORATED COMMON STOCK 037833100 12,203 68,721 SH   SOLE   68,721 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 308 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109 137 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4,679 86,257 SH   SOLE   86,257 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 426 8,812 SH   SOLE   8,812 0 0
DANAHER CORPORATION COMMON STOCK 235851102 7,556 22,966 SH   SOLE   22,966 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 198 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 5,689 36,729 SH   SOLE   36,729 0 0
EBAY INC COMMON STOCK 278642103 2,635 39,622 SH   SOLE   39,622 0 0
FORTIVE CORP COMMON STOCK 34959J108 1,100 14,424 SH   SOLE   14,424 0 0
INVESCO BL UNIT SER 1 ETF 46090E103 373 937 SH   SOLE   937 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 4,268 11,880 SH   SOLE   11,880 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 5,989 12,556 SH   SOLE   12,556 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 6,672 58,485 SH   SOLE   58,485 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 13 151 SH   SOLE   151 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 15 128 SH   SOLE   128 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 7,727 55,670 SH   SOLE   55,670 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 202 3,744 SH   SOLE   3,744 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 10,086 378,036 SH   SOLE   378,036 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 303 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 13,501 175,860 SH   SOLE   175,860 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 7,687 95,013 SH   SOLE   95,013 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 9,361 125,436 SH   SOLE   125,436 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 16 273 SH   SOLE   273 0 0
ISHARES MSCI USA MULTIFACTOR ETF ETF 46434V282 9,053 194,435 SH   SOLE   194,435 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 406 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 8,949 56,513 SH   SOLE   56,513 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 6,911 40,397 SH   SOLE   40,397 0 0
MCDONALDS CORP COMMON STOCK 580135101 590 2,200 SH   SOLE   2,200 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,550 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 689 2,048 SH   SOLE   2,048 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 7,435 112,120 SH   SOLE   112,120 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 25 500 SH   SOLE   500 0 0
ORGANON & CO COMMON STOCK 68622V106 62 2,023 SH   SOLE   2,023 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 7,266 38,530 SH   SOLE   38,530 0 0
PEPSICO INC COMMON STOCK 713448108 5,889 33,899 SH   SOLE   33,899 0 0
PFIZER INC COMMON STOCK 717081103 425 7,200 SH   SOLE   7,200 0 0
PROCTER & GAMBLE CO COMMON STOCK 742718109 3 20 SH   SOLE   20 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 3,628 42,155 SH   SOLE   42,155 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 970 2,042 SH   SOLE   2,042 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 503 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 5,805 49,628 SH   SOLE   49,628 0 0
SYSCO CORP COMMON STOCK 871829107 169 2,150 SH   SOLE   2,150 0 0
VISA INC COMMON STOCK 92826C839 6,862 31,663 SH   SOLE   31,663 0 0