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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579y101   303,235 3,239 SH   SOLE   3,239 0 0
ABBOTT LABS COM 002824100   13,012,572 134,358 SH   SOLE   134,358 0 0
ABBVIE INC COM 00287y109   2,138,564 14,347 SH   SOLE   14,347 0 0
ACCENTURE PLC CL A COM g1151c101   1,103,753 3,594 SH   SOLE   3,594 0 0
ADOBE INC COM 00724f101   14,691,749 28,813 SH   SOLE   28,813 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   884,208 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   28,493,718 217,742 SH   SOLE   217,742 0 0
ALPHABET INC CL C COM 02079k107   1,942,150 14,730 SH   SOLE   14,730 0 0
AMAZON.COM INC COM 023135106   22,572,317 177,567 SH   SOLE   177,567 0 0
ANALOG DEVICES INC COM 032654105   711,916 4,066 SH   SOLE   4,066 0 0
APPLE INC COM 037833100   41,124,813 240,201 SH   SOLE   240,201 0 0
APTIV PLC COM g6095l109   4,432,804 44,962 SH   SOLE   44,962 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,428,655 10,095 SH   SOLE   10,095 0 0
AXSOME THERAPEUTICS INC COM 05464t104   268,378 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   11,854,883 432,976 SH   SOLE   432,976 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   273,540 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   9,109,305 35,235 SH   SOLE   35,235 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   531,477 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702   4,397,316 12,553 SH   SOLE   12,553 0 0
BEYOND AIR INC COM 08862l103   80,896 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   490,375 1,908 SH   SOLE   1,908 0 0
BOEING CO COM 097023105   467,124 2,437 SH   SOLE   2,437 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   8,410,170 144,903 SH   SOLE   144,903 0 0
BROADCOM INC COM 11135f101   12,721,994 15,317 SH   SOLE   15,317 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   456,069 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104   352,176 6,380 SH   SOLE   6,380 0 0
CATERPILLAR INC COM 149123101   356,811 1,307 SH   SOLE   1,307 0 0
CHEVRON CORPORATION COM 166764100   1,056,910 6,268 SH   SOLE   6,268 0 0
CHURCH & DWIGHT INC COM 171340102   780,688 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102   1,765,693 32,844 SH   SOLE   32,844 0 0
COCA COLA CO COM 191216100   13,119,137 234,354 SH   SOLE   234,354 0 0
COMCAST CORP CL A COM 20030n101   771,472 17,399 SH   SOLE   17,399 0 0
COMM SERV SELECT SECTOR SPDR COM 81369y852   4,305,654 65,665 SH   SOLE   65,665 0 0
CONSUMER DISCRETIONARY SELECT COM 81369y407   7,070,886 43,924 SH   SOLE   43,924 0 0
CORTEVA INC COM 22052l104   260,916 5,100 SH   SOLE   5,100 0 0
COSTCO WHOLESALE CORP COM 22160k105   1,322,571 2,341 SH   SOLE   2,341 0 0
CVS HEALTH CORP COM 126650100   213,719 3,061 SH   SOLE   3,061 0 0
DANAHER CORP COM 235851102   592,959 2,390 SH   SOLE   2,390 0 0
DISNEY WALT CO NEW COM 254687106   889,118 10,970 SH   SOLE   10,970 0 0
DOW INC COM 260557103   260,326 5,049 SH   SOLE   5,049 0 0
DUPONT DE NEMOURS INC COM 26614n102   381,155 5,110 SH   SOLE   5,110 0 0
EATON CORP PLC COM g29183103   8,085,445 37,910 SH   SOLE   37,910 0 0
ECOLAB INC COM 278865100   5,405,215 31,908 SH   SOLE   31,908 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108   366,145 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104   1,161,061 12,023 SH   SOLE   12,023 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   32,748,478 362,302 SH   SOLE   362,302 0 0
EXXON MOBIL CORP COM 30231g102   5,193,156 44,167 SH   SOLE   44,167 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369y605   9,210,944 277,689 SH   SOLE   277,689 0 0
FISERV INC COM 337738108   575,644 5,096 SH   SOLE   5,096 0 0
GENUINE PARTS CO COM 372460105   413,649 2,865 SH   SOLE   2,865 0 0
HEALTH CARE SELECT SECTOR COM 81369y209   7,203,003 55,950 SH   SOLE   55,950 0 0
HOME DEPOT INC COM 437076102   7,303,812 24,172 SH   SOLE   24,172 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   10,258,612 55,530 SH   SOLE   55,530 0 0
ILLINOIS TOOL WKS INC COM 452308109   564,029 2,449 SH   SOLE   2,449 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704   8,598,646 84,816 SH   SOLE   84,816 0 0
INTEL CORP COM 458140100   981,962 27,622 SH   SOLE   27,622 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   8,277,355 75,235 SH   SOLE   75,235 0 0
INTL. BUSINESS MACHINES CORP COM 459200101   9,237,913 65,844 SH   SOLE   65,844 0 0
INTUIT INC COM 461202103   1,002,975 1,963 SH   SOLE   1,963 0 0
ISHARES 0-3 MONTH TREASURY BD ETF COM 46436e718   228,118 2,266 SH   SOLE   2,266 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   289,516 3,161 SH   SOLE   3,161 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   4,997,014 40,862 SH   SOLE   40,862 0 0
ISHARES CORE S&P 500 ETF COM 464287200   1,137,989 2,650 SH   SOLE   2,650 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   9,948,317 39,897 SH   SOLE   39,897 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150   5,449,457 57,856 SH   SOLE   57,856 0 0
ISHARES GOLD TRUST COM 464285204   47,674,400 1,362,515 SH   SOLE   1,362,515 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,063,418 25,346 SH   SOLE   25,346 0 0
JOHNSON & JOHNSON COM 478160104   17,527,793 112,538 SH   SOLE   112,538 0 0
JP MORGAN CHASE & CO COM 46625h100   16,345,494 112,712 SH   SOLE   112,712 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654   242,210 4,801 SH   SOLE   4,801 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837   293,202 5,843 SH   SOLE   5,843 0 0
LILLY ELI & CO COM 532457108   855,648 1,593 SH   SOLE   1,593 0 0
LINDE PLC COM g54950103   13,374,440 35,919 SH   SOLE   35,919 0 0
MASTERCARD INC CL A COM 57636q104   1,092,316 2,759 SH   SOLE   2,759 0 0
MATERIALS SELECT SECTOR SPDR TRUST COM 81369y100   917,150 11,676 SH   SOLE   11,676 0 0
MCDONALDS CORP COM 580135101   1,930,752 7,329 SH   SOLE   7,329 0 0
MERCK & CO INC COM 58933y105   16,519,151 160,458 SH   SOLE   160,458 0 0
META PLATFORMS INC CL A COM 30303m102   3,356,048 11,179 SH   SOLE   11,179 0 0
MICROSOFT CORP COM 594918104   49,015,135 155,234 SH   SOLE   155,234 0 0
NESTLE SA SPONS ADR COM 641069406   7,234,619 63,927 SH   SOLE   63,927 0 0
NEXTERA ENERGY INC COM 65339f101   12,126,689 211,672 SH   SOLE   211,672 0 0
NIKE INC-CLASS B COM 654106103   748,513 7,828 SH   SOLE   7,828 0 0
NUVECTIS PHARMA INC COM 67080t108   438,260 34,000 SH   SOLE   34,000 0 0
NVIDIA CORP COM 67066g104   23,415,947 53,831 SH   SOLE   53,831 0 0
OTIS WORLDWIDE CORP COM 68902v107   239,163 2,978 SH   SOLE   2,978 0 0
PACCAR INC COM 693718108   227,428 2,675 SH   SOLE   2,675 0 0
PAYCHEX INC COM 704326107   314,390 2,726 SH   SOLE   2,726 0 0
PAYPAL HOLDINGS INC COM 70450y103   230,099 3,936 SH   SOLE   3,936 0 0
PEPSICO INC COM 713448108   14,696,717 86,737 SH   SOLE   86,737 0 0
PFIZER INC COM 717081103   781,883 23,572 SH   SOLE   23,572 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   392,864 3,200 SH   SOLE   3,200 0 0
PROCTER & GAMBLE CO COM 742718109   17,039,219 116,819 SH   SOLE   116,819 0 0
PROGRESS SOFTWARE CORP COM 743312100   374,370 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   6,468,535 46,436 SH   SOLE   46,436 0 0
PROLOGIS INC REIT COM 74340w103   6,441,752 57,408 SH   SOLE   57,408 0 0
REAL ESTATE SELECT SECT SPDR COM 81369y860   2,635,894 77,367 SH   SOLE   77,367 0 0
RIO TINTO PLC SPONS ADR COM 767204100   5,810,905 91,309 SH   SOLE   91,309 0 0
ROPER TECHNOLOGIES INC COM 776696106   268,775 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102   489,664 5,600 SH   SOLE   5,600 0 0
RTX CORPORATION COM 75513e101   570,506 7,927 SH   SOLE   7,927 0 0
S&P GLOBAL INC COM 78409v104   207,918 569 SH   SOLE   569 0 0
SALESFORCE INC COM 79466l302   7,213,696 35,574 SH   SOLE   35,574 0 0
SERVICENOW INC COM 81762p102   2,923,920 5,231 SH   SOLE   5,231 0 0
SPDR GOLD MINISHARES TRUST ETF COM 98149e303   1,052,545 28,711 SH   SOLE   28,711 0 0
SPDR GOLD TRUST COM 78463v107   911,771 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   8,979,236 267,478 SH   SOLE   267,478 0 0
STARBUCKS CORP COM 855244109   474,787 5,202 SH   SOLE   5,202 0 0
STATE STREET CORP COM 857477103   337,144 5,035 SH   SOLE   5,035 0 0
STRYKER CORPORATION COM 863667101   962,184 3,521 SH   SOLE   3,521 0 0
TARGET CORP COM 87612e106   350,728 3,172 SH   SOLE   3,172 0 0
TECHNOLOGY SELECT SECT SPDR COM 81369y803   14,804,190 90,308 SH   SOLE   90,308 0 0
TESLA INC COM 88160r101   3,520,595 14,070 SH   SOLE   14,070 0 0
TJX COS INC COM 872540109   10,514,948 118,305 SH   SOLE   118,305 0 0
UNION PAC CORP COM 907818108   10,858,977 53,327 SH   SOLE   53,327 0 0
UNITEDHEALTH GROUP INC COM 91324p102   9,319,448 18,484 SH   SOLE   18,484 0 0
US BANCORP NEW COM 902973304   419,102 12,677 SH   SOLE   12,677 0 0
UTILITIES SELECT SECTOR SPDR COM 81369y886   2,598,342 44,092 SH   SOLE   44,092 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   16,555,117 106,546 SH   SOLE   106,546 0 0
VERIZON COMMUNICATIONS COM 92343v104   6,233,383 192,329 SH   SOLE   192,329 0 0
VISA INC CL A COM 92826c839   14,352,854 62,401 SH   SOLE   62,401 0 0
WALMART INC COM 931142103   12,157,239 76,016 SH   SOLE   76,016 0 0
WEYERHAEUSER CO REIT COM 962166104   493,657 16,101 SH   SOLE   16,101 0 0
XYLEM INC COM 98419m100   7,267,016 79,831 SH   SOLE   79,831 0 0
YUM BRANDS INC COM 988498101   404,181 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103   9,100,720 52,309 SH   SOLE   52,309 0 0
PFIZER INC COM 717081103   50,120 1,511 SH   DFND   1,511 0 0
ZOETIS INC COM 98978v103   82,814 476 SH   DFND   476 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   24,058 100 SH   DFND   100 0 0
PEPSICO INC COM 713448108   16,944 100 SH   DFND   100 0 0