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 163 7,800 SH   SOLE   7,800 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 6,225 57,296 SH   SOLE   57,296 0 0
ABERDEEN PHYSICAL GOLD SHARES ETF 00326A104 316 18,250 SH   SOLE   18,250 0 0
ADOBE INC COMMON STOCK 00724F101 92,697 253,237 SH   SOLE   253,237 0 0
ALPHABET INC CAP STK CL C COMMON STOCK 02079K107 1,538 703 SH   SOLE   703 0 0
ALPHABET INC CAP STK CL A COMMON STOCK 02079K305 7,521 3,451 SH   SOLE   3,451 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 6,198 44,710 SH   SOLE   44,710 0 0
AMERICAN TOWER CORP NEW COMMON STOCK REIT 03027X100 5,781 22,618 SH   SOLE   22,618 0 0
APPLE INCORPORATED COMMON STOCK 037833100 7,685 56,213 SH   SOLE   56,213 0 0
AUTOMATIC DATA PROCESSING IN COMMON STOCK 053015103 263 1,250 SH   SOLE   1,250 0 0
BAXTER INTL INC COMMON STOCK 071813109 103 1,600 SH   SOLE   1,600 0 0
CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 3,074 86,232 SH   SOLE   86,232 0 0
XTRACKERS RUSSELL 1000 COMP FACTOR ETF ETF 233051481 353 8,834 SH   SOLE   8,834 0 0
DANAHER CORPORATION COMMON STOCK 235851102 5,819 22,952 SH   SOLE   22,952 0 0
DIAGEO PLC SPON ADR NEW FOREIGN EQUITIES 25243Q205 157 900 SH   SOLE   900 0 0
DISNEY (WALT) COMPANY COMMON STOCK 254687106 3,775 39,989 SH   SOLE   39,989 0 0
EBAY INC COMMON STOCK 278642103 1,651 39,622 SH   SOLE   39,622 0 0
FORTIVE CORP COMMON STOCK 34959J108 784 14,424 SH   SOLE   14,424 0 0
INVESCO BL UNIT SER 1 ETF 46090E103 265 946 SH   SOLE   946 0 0
INTUITIVE SURGICAL INC COMMON STOCK 46120E602 2,384 11,880 SH   SOLE   11,880 0 0
ISHARES CORE S & P 500 ETF ETF 464287200 146 385 SH   SOLE   385 0 0
ISHARES CORE U.S.AGGREGATE BOND ETF ETF - FIXED INCOME 464287226 5,975 58,760 SH   SOLE   58,760 0 0
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND ETF - FIXED INCOME 464287457 630 7,605 SH   SOLE   7,605 0 0
ISHARES TR CORE S&P SCP ETF COMMON STOCK 464287804 12 128 SH   SOLE   128 0 0
ISHARES TR S&P SML 600 GWT COMMON STOCK 464287887 5,893 55,957 SH   SOLE   55,957 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 8,705 364,361 SH   SOLE   364,361 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 301 3,000 SH   SOLE   3,000 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF COMMON STOCK 46429B689 11,236 177,470 SH   SOLE   177,470 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF COMMON STOCK 46429B697 6,604 94,080 SH   SOLE   94,080 0 0
ISHARES TR CORE MSCI EAFE COMMON STOCK 46432F842 10,417 177,044 SH   SOLE   177,044 0 0
ISHARES INC CORE MSCI EMKT COMMON STOCK 46434G103 16 336 SH   SOLE   336 0 0
ISHARES TRUST U S EQUITY FACTOR ETF ETF 46434V282 7,335 193,579 SH   SOLE   193,579 0 0
ISHARES TR CORE DIV GRWTH COMMON STOCK 46434V621 348 7,300 SH   SOLE   7,300 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 6,427 57,077 SH   SOLE   57,077 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 7,212 40,627 SH   SOLE   40,627 0 0
MCDONALDS CORP COMMON STOCK 580135101 543 2,200 SH   SOLE   2,200 0 0
MERCK & CO NEW COMMON STOCK 58933Y105 1,845 20,232 SH   SOLE   20,232 0 0
MICROSOFT CORP COMMON STOCK 594918104 355 1,383 SH   SOLE   1,383 0 0
MONDELEZ INTL INC CL A COMMON STOCK 609207105 6,935 111,695 SH   SOLE   111,695 0 0
NU SKIN ENTERPRISES COMMON STOCK 67018T105 22 500 SH   SOLE   500 0 0
PAYPAL HLDGS INC COMMON STOCK 70450Y103 2,691 38,530 SH   SOLE   38,530 0 0
PEPSICO INC COMMON STOCK 713448108 5,619 33,716 SH   SOLE   33,716 0 0
PFIZER INC COMMON STOCK 717081103 377 7,200 SH   SOLE   7,200 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 4,010 41,724 SH   SOLE   41,724 0 0
SPDR S & P DEPOSIT RCPTS ETF 78462F103 593 1,571 SH   SOLE   1,571 0 0
SPROTT PHYSICAL GOLD TR UNIT COMMON STOCK 85207H104 496 35,000 SH   SOLE   35,000 0 0
STARBUCKS CORP COMMON STOCK 855244109 3,837 50,231 SH   SOLE   50,231 0 0
SYSCO CORP COMMON STOCK 871829107 182 2,150 SH   SOLE   2,150 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF ETF - FIXED INCOME 92206C565 478 6,808 SH   SOLE   6,808 0 0
VISA INC COMMON STOCK 92826C839 6,257 31,779 SH   SOLE   31,779 0 0