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 | 171,600 | 7,800 | SH | | SOLE | | 7,800 | 0 | 0 |
ABBOTT LABORATORIES | COMMON STOCK | 002824100 | 6,494,433 | 56,964 | SH | | SOLE | | 56,964 | 0 | 0 |
ABERDEEN PHYSICAL GOLD SHARES | ETF | 00326A104 | 458,440 | 18,250 | SH | | SOLE | | 18,250 | 0 | 0 |
ADOBE INC | COMMON STOCK | 00724F101 | 113,282,375 | 218,789 | SH | | SOLE | | 218,789 | 0 | 0 |
ALPHABET INC CAP STK CL C | COMMON STOCK | 02079K107 | 1,869,184 | 11,180 | SH | | SOLE | | 11,180 | 0 | 0 |
ALPHABET INC CAP STK CL A | COMMON STOCK | 02079K305 | 11,034,983 | 66,536 | SH | | SOLE | | 66,536 | 0 | 0 |
AVANTIS INTERNATIONAL EQUITY ETF | ETF | 025072703 | 2,010 | 30 | SH | | SOLE | | 30 | 0 | 0 |
AMERICAN EXPRESS CO | COMMON STOCK | 025816109 | 10,748,587 | 39,635 | SH | | SOLE | | 39,635 | 0 | 0 |
AMERICAN TOWER CORP NEW | COMMON STOCK REIT | 03027X100 | 5,359,782 | 23,047 | SH | | SOLE | | 23,047 | 0 | 0 |
APPLE INCORPORATED | COMMON STOCK | 037833100 | 11,801,450 | 50,650 | SH | | SOLE | | 50,650 | 0 | 0 |
AUTOMATIC DATA PROCESSING IN | COMMON STOCK | 053015103 | 345,900 | 1,250 | SH | | SOLE | | 1,250 | 0 | 0 |
BAXTER INTL INC | COMMON STOCK | 071813109 | 60,752 | 1,600 | SH | | SOLE | | 1,600 | 0 | 0 |
CARRIER GLOBAL CORPORATION | COMMON STOCK | 14448C104 | 5,949,464 | 73,916 | SH | | SOLE | | 73,916 | 0 | 0 |
XTRACKERS RUSSELL 1000 COMP FACTOR ETF | ETF | 233051481 | 411,621 | 7,517 | SH | | SOLE | | 7,517 | 0 | 0 |
DANAHER CORPORATION | COMMON STOCK | 235851102 | 6,018,609 | 21,649 | SH | | SOLE | | 21,649 | 0 | 0 |
DIAGEO PLC SPON ADR NEW | FOREIGN EQUITIES | 25243Q205 | 126,306 | 900 | SH | | SOLE | | 900 | 0 | 0 |
DISNEY (WALT) COMPANY | COMMON STOCK | 254687106 | 4,376,035 | 45,494 | SH | | SOLE | | 45,494 | 0 | 0 |
EBAY INC | COMMON STOCK | 278642103 | 2,411,023 | 37,030 | SH | | SOLE | | 37,030 | 0 | 0 |
FORTIVE CORP | COMMON STOCK | 34959J108 | 1,133,247 | 14,358 | SH | | SOLE | | 14,358 | 0 | 0 |
FRANKLIN INTERNATIONAL AGGREGATE BOND ETF | ETF - FIXED INCOME | 35473P611 | 464,571 | 22,346 | SH | | SOLE | | 22,346 | 0 | 0 |
INTUITIVE SURGICAL INC | COMMON STOCK | 46120E602 | 4,300,980 | 8,755 | SH | | SOLE | | 8,755 | 0 | 0 |
ETF INVESCO S&P 500 QUALITY | ETF - FIXED INCOME | 46137V241 | 26,973 | 401 | SH | | SOLE | | 401 | 0 | 0 |
INVESCO DWA SC MOMENTUM | COMMON STOCK | 46138E842 | 192,503 | 2,073 | SH | | SOLE | | 2,073 | 0 | 0 |
ISHARES CORE S & P 500 ETF | ETF | 464287200 | 501,247 | 869 | SH | | SOLE | | 869 | 0 | 0 |
ISHARES CORE U.S.AGGREGATE BOND ETF | ETF - FIXED INCOME | 464287226 | 12,677,433 | 125,185 | SH | | SOLE | | 125,185 | 0 | 0 |
ISHARES BARCLAYS 1-3 YEAR TREASURY BOND FUND | ETF - FIXED INCOME | 464287457 | 5,652 | 68 | SH | | SOLE | | 68 | 0 | 0 |
ISHARES TRUST ETF | FOREIGN ETF | 464287465 | 744,890 | 8,907 | SH | | SOLE | | 8,907 | 0 | 0 |
ISHARES TR1-5 YR INVE GRADE | ETF - FIXED INCOME | 464288646 | 623,375 | 11,840 | SH | | SOLE | | 11,840 | 0 | 0 |
ISHARES TR US TREAS BD ETF | ETF - FIXED INCOME | 46429B267 | 179,931 | 7,673 | SH | | SOLE | | 7,673 | 0 | 0 |
ISHARES CORE HIGH DIVIDEND ETF | ETF | 46429B663 | 352,860 | 3,000 | SH | | SOLE | | 3,000 | 0 | 0 |
ISHARES MSCI EAFE MIN VOL FACTOR ETF | COMMON STOCK | 46429B689 | 272,285 | 3,550 | SH | | SOLE | | 3,550 | 0 | 0 |
ISHARES MSCI USA MIN VOL FACTOR ETF | COMMON STOCK | 46429B697 | 7,743,319 | 84,803 | SH | | SOLE | | 84,803 | 0 | 0 |
ISHARES MSCI USA MOMENTUS FACTOR ETF | ETF | 46432F396 | 37,104 | 183 | SH | | SOLE | | 183 | 0 | 0 |
ISHARES TR CORE MSCI EAFE | COMMON STOCK | 46432F842 | 14,233,213 | 182,384 | SH | | SOLE | | 182,384 | 0 | 0 |
ISHARES INC CORE MSCI EMKT | COMMON STOCK | 46434G103 | 55,791 | 972 | SH | | SOLE | | 972 | 0 | 0 |
ISHARES TRUST U S EQUITY FACTOR ETF | ETF | 46434V282 | 10,356,113 | 176,215 | SH | | SOLE | | 176,215 | 0 | 0 |
ISHARES MSCI INTL MOMENTUM FACTOR ETF | COMMON STOCK | 46434V449 | 10,113,162 | 250,451 | SH | | SOLE | | 250,451 | 0 | 0 |
ISHARES CORE TOTAL USD BOND MARKET ETF | ETF - FIXED INCOME | 46434V613 | 400,529 | 8,502 | SH | | SOLE | | 8,502 | 0 | 0 |
ISHARES TR CORE DIV GRWTH | COMMON STOCK | 46434V621 | 457,564 | 7,300 | SH | | SOLE | | 7,300 | 0 | 0 |
JPMORGAN CHASE & CO | COMMON STOCK | 46625H100 | 11,412,555 | 54,124 | SH | | SOLE | | 54,124 | 0 | 0 |
ETF J P MORGAN ULTRA-SHORT | ETF | 46641Q837 | 191,429 | 3,773 | SH | | SOLE | | 3,773 | 0 | 0 |
JOHNSON & JOHNSON | COMMON STOCK | 478160104 | 6,616,070 | 40,825 | SH | | SOLE | | 40,825 | 0 | 0 |
MCDONALDS CORP | COMMON STOCK | 580135101 | 544,158 | 1,787 | SH | | SOLE | | 1,787 | 0 | 0 |
MERCK & CO NEW | COMMON STOCK | 58933Y105 | 2,297,545 | 20,232 | SH | | SOLE | | 20,232 | 0 | 0 |
MICROSOFT CORP | COMMON STOCK | 594918104 | 552,061 | 1,283 | SH | | SOLE | | 1,283 | 0 | 0 |
MONDELEZ INTL INC CL A | COMMON STOCK | 609207105 | 7,900,419 | 107,241 | SH | | SOLE | | 107,241 | 0 | 0 |
NU SKIN ENTERPRISES | COMMON STOCK | 67018T105 | 3,685 | 500 | SH | | SOLE | | 500 | 0 | 0 |
PEPSICO INC | COMMON STOCK | 713448108 | 5,593,427 | 32,893 | SH | | SOLE | | 32,893 | 0 | 0 |
RTX CORPORATION | COMMON STOCK | 75513E101 | 4,823,112 | 39,808 | SH | | SOLE | | 39,808 | 0 | 0 |
SPDR S & P DEPOSIT RCPTS | ETF | 78462F103 | 870,959 | 1,518 | SH | | SOLE | | 1,518 | 0 | 0 |
SPDR PORTFOLIO INTERM TERM CORP BD ETF | ETF - FIXED INCOME | 78464A375 | 12,569 | 373 | SH | | SOLE | | 373 | 0 | 0 |
SPDR S&P 400 MID CAP VALUE | COMMON STOCK | 78464A839 | 19,943 | 251 | SH | | SOLE | | 251 | 0 | 0 |
SSGA DOUBLELINE TOTAL RETURN BOND ETF | ETF - FIXED INCOME | 78467V848 | 3,715,395 | 89,744 | SH | | SOLE | | 89,744 | 0 | 0 |
SCHWAB US LARGE CAP VALUE ETF | ETF | 808524409 | 34,798 | 433 | SH | | SOLE | | 433 | 0 | 0 |
SCHWAB FUNDAMENTAL INTL EQUITY ETF | ETF | 808524755 | 50,919 | 1,363 | SH | | SOLE | | 1,363 | 0 | 0 |
SPROTT PHYSICAL GOLD TR UNIT | COMMON STOCK | 85207H104 | 366,660 | 18,000 | SH | | SOLE | | 18,000 | 0 | 0 |
STARBUCKS CORP | COMMON STOCK | 855244109 | 4,896,109 | 50,222 | SH | | SOLE | | 50,222 | 0 | 0 |
SYSCO CORP | COMMON STOCK | 871829107 | 167,829 | 2,150 | SH | | SOLE | | 2,150 | 0 | 0 |
VANGUARD SHORT-TERM TREASURY ETF | ETF - FIXED INCOME | 92206C102 | 2,968,305 | 50,294 | SH | | SOLE | | 50,294 | 0 | 0 |
VANGUARD LONG TERM TREASURY ETF | ETF - FIXED INCOME | 92206C847 | 4,207,870 | 68,377 | SH | | SOLE | | 68,377 | 0 | 0 |
VISA INC | COMMON STOCK | 92826C839 | 8,138,465 | 29,601 | SH | | SOLE | | 29,601 | 0 | 0 |