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 | 149,058 | 7,800 | SH | | SOLE | | 7,800 | 0 | 0 |
ABBOTT LABORATORIES | COMMON STOCK | 002824100 | 5,922,317 | 56,995 | SH | | SOLE | | 56,995 | 0 | 0 |
ABERDEEN PHYSICAL GOLD SHARES | ETF | 00326A104 | 405,332 | 18,250 | SH | | SOLE | | 18,250 | 0 | 0 |
ADOBE INC | COMMON STOCK | 00724F101 | 121,560,513 | 218,819 | SH | | SOLE | | 218,819 | 0 | 0 |
ALPHABET INC CAP STK CL C | COMMON STOCK | 02079K107 | 2,050,635 | 11,180 | SH | | SOLE | | 11,180 | 0 | 0 |
ALPHABET INC CAP STK CL A | COMMON STOCK | 02079K305 | 12,185,463 | 66,898 | SH | | SOLE | | 66,898 | 0 | 0 |
AVANTIS INTERNATIONAL EQUITY ETF | ETF | 025072703 | 1,867 | 30 | SH | | SOLE | | 30 | 0 | 0 |
AMERICAN EXPRESS CO | COMMON STOCK | 025816109 | 9,214,040 | 39,793 | SH | | SOLE | | 39,793 | 0 | 0 |
AMERICAN TOWER CORP NEW | COMMON STOCK REIT | 03027X100 | 4,484,510 | 23,071 | SH | | SOLE | | 23,071 | 0 | 0 |
APPLE INCORPORATED | COMMON STOCK | 037833100 | 10,701,566 | 50,810 | SH | | SOLE | | 50,810 | 0 | 0 |
AUTOMATIC DATA PROCESSING IN | COMMON STOCK | 053015103 | 298,362 | 1,250 | SH | | SOLE | | 1,250 | 0 | 0 |
BAXTER INTL INC | COMMON STOCK | 071813109 | 53,520 | 1,600 | SH | | SOLE | | 1,600 | 0 | 0 |
CARRIER GLOBAL CORPORATION | COMMON STOCK | 14448C104 | 4,686,943 | 74,302 | SH | | SOLE | | 74,302 | 0 | 0 |
XTRACKERS RUSSELL 1000 COMP FACTOR ETF | ETF | 233051481 | 387,060 | 7,683 | SH | | SOLE | | 7,683 | 0 | 0 |
DANAHER CORPORATION | COMMON STOCK | 235851102 | 5,417,964 | 21,685 | SH | | SOLE | | 21,685 | 0 | 0 |
DIAGEO PLC SPON ADR NEW | FOREIGN EQUITIES | 25243Q205 | 113,472 | 900 | SH | | SOLE | | 900 | 0 | 0 |
DISNEY (WALT) COMPANY | COMMON STOCK | 254687106 | 4,507,239 | 45,395 | SH | | SOLE | | 45,395 | 0 | 0 |
EBAY INC | COMMON STOCK | 278642103 | 1,989,251 | 37,030 | SH | | SOLE | | 37,030 | 0 | 0 |
FORTIVE CORP | COMMON STOCK | 34959J108 | 1,063,903 | 14,358 | SH | | SOLE | | 14,358 | 0 | 0 |
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF | ETF - FIXED INCOME | 35473P611 | 450,270 | 22,346 | SH | | SOLE | | 22,346 | 0 | 0 |
INTUITIVE SURGICAL INC | COMMON STOCK | 46120E602 | 3,894,574 | 8,755 | SH | | SOLE | | 8,755 | 0 | 0 |
ETF INVESCO S&P 500 QUALITY | ETF - FIXED INCOME | 46137V241 | 25,478 | 401 | SH | | SOLE | | 401 | 0 | 0 |
INVESCO DWA SC MOMENTUM | COMMON STOCK | 46138E842 | 177,979 | 2,093 | SH | | SOLE | | 2,093 | 0 | 0 |
ISHARES CORE S & P 500 ETF | ETF | 464287200 | 475,524 | 869 | SH | | SOLE | | 869 | 0 | 0 |
ISHARES CORE U.S.AGGREGATE BOND ETF | ETF - FIXED INCOME | 464287226 | 12,156,215 | 125,232 | SH | | SOLE | | 125,232 | 0 | 0 |
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND | ETF - FIXED INCOME | 464287457 | 5,551 | 68 | SH | | SOLE | | 68 | 0 | 0 |
ISHARES TRUST ETF | FOREIGN ETF | 464287465 | 697,684 | 8,907 | SH | | SOLE | | 8,907 | 0 | 0 |
ISHARES TR1-5 YR INVE GRADE | ETF - FIXED INCOME | 464288646 | 606,680 | 11,840 | SH | | SOLE | | 11,840 | 0 | 0 |
ISHARES TR US TREAS BD ETF | ETF - FIXED INCOME | 46429B267 | 173,102 | 7,673 | SH | | SOLE | | 7,673 | 0 | 0 |
ISHARES CORE HIGH DIVIDEND ETF | ETF | 46429B663 | 326,100 | 3,000 | SH | | SOLE | | 3,000 | 0 | 0 |
ISHARES MSCI EAFE MIN VOL FACTOR ETF | COMMON STOCK | 46429B689 | 246,192 | 3,550 | SH | | SOLE | | 3,550 | 0 | 0 |
ISHARES MSCI USA MIN VOL FACTOR ETF | COMMON STOCK | 46429B697 | 7,135,814 | 84,991 | SH | | SOLE | | 84,991 | 0 | 0 |
ISHARES MSCI USA MOMENTUS FACTOR ETF | ETF | 46432F396 | 35,659 | 183 | SH | | SOLE | | 183 | 0 | 0 |
ISHARES TR CORE MSCI EAFE | COMMON STOCK | 46432F842 | 13,261,901 | 182,596 | SH | | SOLE | | 182,596 | 0 | 0 |
ISHARES INC CORE MSCI EMKT | COMMON STOCK | 46434G103 | 52,020 | 972 | SH | | SOLE | | 972 | 0 | 0 |
ISHARES TRUST U S EQUITY FACTOR ETF | ETF | 46434V282 | 9,838,067 | 176,690 | SH | | SOLE | | 176,690 | 0 | 0 |
ISHARES MSCI INTL MOMENTUM FACTOR ETF | COMMON STOCK | 46434V449 | 9,698,578 | 250,740 | SH | | SOLE | | 250,740 | 0 | 0 |
ISHARES CORE TOTAL USD BOND MARKET ETF | ETF - FIXED INCOME | 46434V613 | 384,460 | 8,502 | SH | | SOLE | | 8,502 | 0 | 0 |
ISHARES TR CORE DIV GRWTH | COMMON STOCK | 46434V621 | 420,553 | 7,300 | SH | | SOLE | | 7,300 | 0 | 0 |
JPMORGAN CHASE & CO | COMMON STOCK | 46625H100 | 10,989,363 | 54,333 | SH | | SOLE | | 54,333 | 0 | 0 |
ETF J P MORGAN ULTRA-SHORT | ETF | 46641Q837 | 165,882 | 3,287 | SH | | SOLE | | 3,287 | 0 | 0 |
JOHNSON & JOHNSON | COMMON STOCK | 478160104 | 5,970,467 | 40,849 | SH | | SOLE | | 40,849 | 0 | 0 |
MCDONALDS CORP | COMMON STOCK | 580135101 | 455,399 | 1,787 | SH | | SOLE | | 1,787 | 0 | 0 |
MERCK & CO NEW | COMMON STOCK | 58933Y105 | 2,504,721 | 20,232 | SH | | SOLE | | 20,232 | 0 | 0 |
MICROSOFT CORP | COMMON STOCK | 594918104 | 573,436 | 1,283 | SH | | SOLE | | 1,283 | 0 | 0 |
MONDELEZ INTL INC CL A | COMMON STOCK | 609207105 | 7,021,957 | 107,304 | SH | | SOLE | | 107,304 | 0 | 0 |
NU SKIN ENTERPRISES | COMMON STOCK | 67018T105 | 5,270 | 500 | SH | | SOLE | | 500 | 0 | 0 |
PEPSICO INC | COMMON STOCK | 713448108 | 5,425,007 | 32,893 | SH | | SOLE | | 32,893 | 0 | 0 |
RTX CORPORATION | COMMON STOCK | 75513E101 | 4,006,026 | 39,905 | SH | | SOLE | | 39,905 | 0 | 0 |
SPDR S & P DEPOSIT RCPTS | ETF | 78462F103 | 836,985 | 1,538 | SH | | SOLE | | 1,538 | 0 | 0 |
SPDR PORTFOLIO INTERM TERM CORP BD ETF | ETF - FIXED INCOME | 78464A375 | 12,139 | 373 | SH | | SOLE | | 373 | 0 | 0 |
SPDR S&P 400 MID CAP VALUE | COMMON STOCK | 78464A839 | 18,305 | 251 | SH | | SOLE | | 251 | 0 | 0 |
SSGA DOUBLELINE TOTAL RETURN BOND ETF | ETF - FIXED INCOME | 78467V848 | 3,564,625 | 89,744 | SH | | SOLE | | 89,744 | 0 | 0 |
SCHWAB US LARGE CAP VALUE ETF | ETF | 808524409 | 32,075 | 433 | SH | | SOLE | | 433 | 0 | 0 |
SCHWAB FUNDAMENTAL INTL EQUITY ETF | ETF | 808524755 | 47,730 | 1,363 | SH | | SOLE | | 1,363 | 0 | 0 |
SPROTT PHYSICAL GOLD TR UNIT | COMMON STOCK | 85207H104 | 324,900 | 18,000 | SH | | SOLE | | 18,000 | 0 | 0 |
STARBUCKS CORP | COMMON STOCK | 855244109 | 3,913,023 | 50,264 | SH | | SOLE | | 50,264 | 0 | 0 |
SYSCO CORP | COMMON STOCK | 871829107 | 153,467 | 2,150 | SH | | SOLE | | 2,150 | 0 | 0 |
VANGUARD SHORT-TERM TREASURY ETF | ETF - FIXED INCOME | 92206C102 | 2,913,657 | 50,245 | SH | | SOLE | | 50,245 | 0 | 0 |
VANGUARD LONG TERM TREASURY ETF | ETF - FIXED INCOME | 92206C847 | 3,925,254 | 68,053 | SH | | SOLE | | 68,053 | 0 | 0 |
VISA INC | COMMON STOCK | 92826C839 | 7,769,835 | 29,604 | SH | | SOLE | | 29,604 | 0 | 0 |