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
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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 184 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 6,785 57,322 SH   SOLE   57,322 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 339 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101 122,334 268,507 SH   SOLE   268,507 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,963 703 SH   SOLE   703 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 9,632 3,463 SH   SOLE   3,463 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 8,612 46,053 SH   SOLE   46,053 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 5,687 22,638 SH   SOLE   22,638 0 0
APPLE INCORPORATED COMMON STOCK 037833100 9,930 56,870 SH   SOLE   56,870 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 284 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109 124 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 3,956 86,257 SH   SOLE   86,257 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 408 8,959 SH   SOLE   8,959 0 0
DANAHER CORPORATION COMMON STOCK 235851102 6,742 22,984 SH   SOLE   22,984 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 183 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 5,066 36,934 SH   SOLE   36,934 0 0
EBAY INC COMMON STOCK 278642103 2,269 39,622 SH   SOLE   39,622 0 0
FORTIVE CORP COMMON STOCK 34959J108 879 14,424 SH   SOLE   14,424 0 0
INVESCO BL UNIT SER 1 ETF 46090E103 342 944 SH   SOLE   944 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 3,584 11,880 SH   SOLE   11,880 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 469 1,034 SH   SOLE   1,034 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 6,299 58,815 SH   SOLE   58,815 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 13 158 SH   SOLE   158 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 14 128 SH   SOLE   128 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 7,005 55,997 SH   SOLE   55,997 0 0
ISHARES TR1-5 YR INVE GRADE ETF - FIXED INCOME 464288646 15 293 SH   SOLE   293 0 0
ISHARES TR US TREAS BD ETF ETF - FIXED INCOME 46429B267 9,659 387,926 SH   SOLE   387,926 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 321 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 12,317 170,765 SH   SOLE   170,765 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 7,321 94,398 SH   SOLE   94,398 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF ETF 46432F834 1,493 22,430 SH   SOLE   22,430 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 11,773 169,374 SH   SOLE   169,374 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 19 336 SH   SOLE   336 0 0
ISHARES MSCI USA MULTIFACTOR ETF ETF 46434V282 8,672 195,020 SH   SOLE   195,020 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF - FIXED INCOME 46434V613 400 8,050 SH   SOLE   8,050 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 390 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 7,681 56,347 SH   SOLE   56,347 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 7,233 40,813 SH   SOLE   40,813 0 0
MCDONALDS CORP COMMON STOCK 580135101 544 2,200 SH   SOLE   2,200 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,660 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 426 1,383 SH   SOLE   1,383 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 7,082 112,820 SH   SOLE   112,820 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 24 500 SH   SOLE   500 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 4,456 38,530 SH   SOLE   38,530 0 0
PEPSICO INC COMMON STOCK 713448108 5,702 34,069 SH   SOLE   34,069 0 0
PFIZER INC COMMON STOCK 717081103 373 7,200 SH   SOLE   7,200 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 4,216 42,555 SH   SOLE   42,555 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 712 1,576 SH   SOLE   1,576 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 538 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 4,516 49,643 SH   SOLE   49,643 0 0
SYSCO CORP COMMON STOCK 871829107 176 2,150 SH   SOLE   2,150 0 0
VISA INC COMMON STOCK 92826C839 7,053 31,802 SH   SOLE   31,802 0 0