3M CO COM 88579y101 322241 3038 SH SOLE 3038 0 0 ABBOTT LABS COM 002824100 15251012 134181 SH SOLE 134181 0 0 ABBVIE INC COM 00287y109 2599295 14274 SH SOLE 14274 0 0 ACCENTURE PLC CL A COM g1151c101 1237398 3570 SH SOLE 3570 0 0 ADOBE INC COM 00724f101 14900333 29529 SH SOLE 29529 0 0 AIR PRODUCTS & CHEMICALS INC COM 009158106 755882 3120 SH SOLE 3120 0 0 ALPHABET INC CL A COM 02079k305 33084158 219202 SH SOLE 219202 0 0 ALPHABET INC CL C COM 02079k107 2270197 14910 SH SOLE 14910 0 0 AMAZON.COM INC COM 023135106 32020156 177515 SH SOLE 177515 0 0 AMERICAN TOWER CORP REIT COM 03027x100 208853 1057 SH SOLE 1057 0 0 ANALOG DEVICES INC COM 032654105 804214 4066 SH SOLE 4066 0 0 APPLE INC COM 037833100 41277294 240712 SH SOLE 240712 0 0 APTIV PLC COM g6095l109 3545142 44509 SH SOLE 44509 0 0 AUTOMATIC DATA PROCESSING INC COM 053015103 2503893 10026 SH SOLE 10026 0 0 AXSOME THERAPEUTICS INC COM 05464t104 306432 3840 SH SOLE 3840 0 0 BANK OF AMERICA CORP COM 060505104 16367068 431621 SH SOLE 431621 0 0 BANK OF NOVA SCOTIA HALIFAX COM 064149107 310680 6000 SH SOLE 6000 0 0 BECTON DICKINSON COM 075887109 8623385 34849 SH SOLE 34849 0 0 BERKSHIRE HATHAWAY INC CL A COM 084670108 634440 1 SH SOLE 1 0 0 BERKSHIRE HATHAWAY INC-CL B COM 084670702 5225382 12426 SH SOLE 12426 0 0 BEYOND AIR INC COM 08862l103 60935 35020 SH SOLE 35020 0 0 BIOGEN INC COM 09062x103 403012 1869 SH SOLE 1869 0 0 BOEING CO COM 097023105 470317 2437 SH SOLE 2437 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 7606788 140269 SH SOLE 140269 0 0 BROADCOM INC COM 11135f101 15044729 11351 SH SOLE 11351 0 0 CANADIAN NATIONAL RAILWAY CO COM 136375102 554499 4210 SH SOLE 4210 0 0 CARRIER GLOBAL CORP COM 14448c104 358953 6175 SH SOLE 6175 0 0 CATERPILLAR INC COM 149123101 478924 1307 SH SOLE 1307 0 0 CHECK POINT SOFTWARE TECH LTD COM m22465104 249295 1520 SH SOLE 1520 0 0 CHEVRON CORPORATION COM 166764100 956062 6061 SH SOLE 6061 0 0 CHURCH & DWIGHT INC COM 171340102 888721 8520 SH SOLE 8520 0 0 CISCO SYSTEMS INC COM 17275r102 1719000 34442 SH SOLE 34442 0 0 COCA COLA CO COM 191216100 14382561 235086 SH SOLE 235086 0 0 COMCAST CORP CL A COM 20030n101 746400 17218 SH SOLE 17218 0 0 COMM SERV SELECT SECTOR SPDR COM 81369y852 5302919 64939 SH SOLE 64939 0 0 CONSUMER DISCRETIONARY SELECT COM 81369y407 7987814 43438 SH SOLE 43438 0 0 CORTEVA INC COM 22052l104 287370 4983 SH SOLE 4983 0 0 COSTCO WHOLESALE CORP COM 22160k105 1699702 2320 SH SOLE 2320 0 0 DANAHER CORP COM 235851102 596831 2390 SH SOLE 2390 0 0 DISNEY WALT CO NEW COM 254687106 1332133 10887 SH SOLE 10887 0 0 DOW INC COM 260557103 284726 4915 SH SOLE 4915 0 0 DUPONT DE NEMOURS INC COM 26614n102 382660 4991 SH SOLE 4991 0 0 EATON CORP PLC COM g29183103 11915609 38108 SH SOLE 38108 0 0 ECOLAB INC COM 278865100 7316528 31687 SH SOLE 31687 0 0 EDWARDS LIFESCIENCES CORP COM 28176e108 505035 5285 SH SOLE 5285 0 0 EMERSON ELEC CO COM 291011104 1363649 12023 SH SOLE 12023 0 0 ENERGY SELECT SECTOR SPDR COM 81369y506 34082293 361003 SH SOLE 361003 0 0 EXXON MOBIL CORP COM 30231g102 5087127 43764 SH SOLE 43764 0 0 FINANCIAL SELECT SECTOR SPDR COM 81369y605 11566910 274618 SH SOLE 274618 0 0 FISERV INC COM 337738108 814443 5096 SH SOLE 5096 0 0 GENERAL ELECTRIC CO COM 369604301 285236 1625 SH SOLE 1625 0 0 GENUINE PARTS CO COM 372460105 443874 2865 SH SOLE 2865 0 0 HEALTH CARE SELECT SECTOR COM 81369y209 8174049 55331 SH SOLE 55331 0 0 HOME DEPOT INC COM 437076102 9309972 24270 SH SOLE 24270 0 0 HONEYWELL INTERNATIONAL INC COM 438516106 11309070 55099 SH SOLE 55099 0 0 ILLINOIS TOOL WKS INC COM 452308109 657140 2449 SH SOLE 2449 0 0 INDUSTRIAL SELECT SECTOR SPDR COM 81369y704 10565273 83878 SH SOLE 83878 0 0 INTEL CORP COM 458140100 1217855 27572 SH SOLE 27572 0 0 INTERCONTINENTAL EXCHANGE INC COM 45866f104 10334736 75200 SH SOLE 75200 0 0 INTL. BUSINESS MACHINES CORP COM 459200101 12662749 66311 SH SOLE 66311 0 0 INTUIT INC COM 461202103 1262950 1943 SH SOLE 1943 0 0 INTUITIVE SURGICAL INC COM 46120e602 221495 555 SH SOLE 555 0 0 ISHARES 7-10 YEAR TREASURY B COM 464287440 284264 3003 SH SOLE 3003 0 0 ISHARES BIOTECHNOLOGY ETF COM 464287556 5571544 40603 SH SOLE 40603 0 0 ISHARES CORE S&P 500 ETF COM 464287200 1393184 2650 SH SOLE 2650 0 0 ISHARES CORE S&P MID-CAP ETF COM 464287507 12004411 197636 SH SOLE 197636 0 0 ISHARES CORE S&P TOTAL U.S. COM 464287150 6707693 58176 SH SOLE 58176 0 0 ISHARES GOLD TRUST COM 464285204 57281013 1363509 SH SOLE 1363509 0 0 ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 2337280 23185 SH SOLE 23185 0 0 JOHNSON & JOHNSON COM 478160104 17754296 112234 SH SOLE 112234 0 0 JP MORGAN CHASE & CO COM 46625h100 22548172 112572 SH SOLE 112572 0 0 JPM ULTRA-SHORT MUNI INCOME COM 46641q654 243603 4801 SH SOLE 4801 0 0 JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837 244279 4842 SH SOLE 4842 0 0 LILLY ELI & CO COM 532457108 1219841 1568 SH SOLE 1568 0 0 LINDE PLC COM g54950103 16950930 36507 SH SOLE 36507 0 0 MASTERCARD INC CL A COM 57636q104 1356101 2816 SH SOLE 2816 0 0 MATERIALS SELECT SECTOR SPDR TRUST COM 81369y100 1072601 11547 SH SOLE 11547 0 0 MCDONALDS CORP COM 580135101 2196109 7789 SH SOLE 7789 0 0 MERCK & CO INC COM 58933y105 21361913 161894 SH SOLE 161894 0 0 META PLATFORMS INC CL A COM 30303m102 5420044 11162 SH SOLE 11162 0 0 MICROSOFT CORP COM 594918104 64693273 153768 SH SOLE 153768 0 0 NESTLE SA SPONS ADR COM 641069406 6830359 64316 SH SOLE 64316 0 0 NEXTERA ENERGY INC COM 65339f101 13486033 211016 SH SOLE 211016 0 0 NIKE INC-CLASS B COM 654106103 730225 7770 SH SOLE 7770 0 0 NUVECTIS PHARMA INC COM 67080t108 278800 34000 SH SOLE 34000 0 0 NVIDIA CORP COM 67066g104 43622070 48278 SH SOLE 48278 0 0 ORACLE CORPORATION COM 68389x105 204242 1626 SH SOLE 1626 0 0 OTIS WORLDWIDE CORP COM 68902v107 283515 2856 SH SOLE 2856 0 0 PACCAR INC COM 693718108 356184 2875 SH SOLE 2875 0 0 PALO ALTO NETWORKS INC COM 697435105 4989607 17561 SH SOLE 17561 0 0 PAYCHEX INC COM 704326107 334753 2726 SH SOLE 2726 0 0 PEPSICO INC COM 713448108 15379354 87877 SH SOLE 87877 0 0 PFIZER INC COM 717081103 647185 23322 SH SOLE 23322 0 0 PNC FINANCIAL SERVICES GROUP COM 693475105 536027 3317 SH SOLE 3317 0 0 PROCTER & GAMBLE CO COM 742718109 19007425 117149 SH SOLE 117149 0 0 PROGRESS SOFTWARE CORP COM 743312100 379567 7120 SH SOLE 7120 0 0 PROGRESSIVE CORP COM 743315103 9653944 46678 SH SOLE 46678 0 0 PROLOGIS INC REIT COM 74340w103 7511350 57682 SH SOLE 57682 0 0 QUALCOMM INC COM 747525103 284424 1680 SH SOLE 1680 0 0 REAL ESTATE SELECT SECT SPDR COM 81369y860 3024480 76511 SH SOLE 76511 0 0 RIO TINTO PLC SPONS ADR COM 767204100 5682803 89156 SH SOLE 89156 0 0 ROPER TECHNOLOGIES INC COM 776696106 311266 555 SH SOLE 555 0 0 ROYAL BANK OF CANADA COM 780087102 564928 5600 SH SOLE 5600 0 0 RTX CORPORATION COM 75513e101 760246 7795 SH SOLE 7795 0 0 S&P GLOBAL INC COM 78409v104 242081 569 SH SOLE 569 0 0 SALESFORCE INC COM 79466l302 10940062 36324 SH SOLE 36324 0 0 SERVICENOW INC COM 81762p102 4035383 5293 SH SOLE 5293 0 0 SPDR GOLD MINISHARES TRUST ETF COM 98149e303 1264720 28711 SH SOLE 28711 0 0 SPDR GOLD TRUST COM 78463v107 1094019 5318 SH SOLE 5318 0 0 SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509 9481165 261983 SH SOLE 261983 0 0 STARBUCKS CORP COM 855244109 352034 3852 SH SOLE 3852 0 0 STATE STREET CORP COM 857477103 389306 5035 SH SOLE 5035 0 0 STRYKER CORPORATION COM 863667101 1260060 3521 SH SOLE 3521 0 0 TARGET CORP COM 87612e106 438063 2472 SH SOLE 2472 0 0 TECHNOLOGY SELECT SECT SPDR COM 81369y803 18597886 89297 SH SOLE 89297 0 0 TESLA INC COM 88160r101 2420980 13772 SH SOLE 13772 0 0 TJX COS INC COM 872540109 12054781 118860 SH SOLE 118860 0 0 UNION PAC CORP COM 907818108 13203490 53688 SH SOLE 53688 0 0 UNITED RENTALS INC COM 911363109 209122 290 SH SOLE 290 0 0 UNITEDHEALTH GROUP INC COM 91324p102 9124247 18444 SH SOLE 18444 0 0 US BANCORP NEW COM 902973304 566662 12677 SH SOLE 12677 0 0 UTILITIES SELECT SECTOR SPDR COM 81369y886 2862603 43604 SH SOLE 43604 0 0 VANGUARD DIVIDEND APPREC ETF COM 921908844 15031725 82316 SH SOLE 82316 0 0 VERIZON COMMUNICATIONS COM 92343v104 8051704 191890 SH SOLE 191890 0 0 VISA INC CL A COM 92826c839 17759256 63635 SH SOLE 63635 0 0 WALMART INC COM 931142103 13713465 227912 SH SOLE 227912 0 0 WEYERHAEUSER CO REIT COM 962166104 578187 16101 SH SOLE 16101 0 0 XYLEM INC COM 98419m100 10321494 79863 SH SOLE 79863 0 0 YUM BRANDS INC COM 988498101 448533 3235 SH SOLE 3235 0 0 ZOETIS INC COM 98978v103 9109590 53836 SH SOLE 53836 0 0 ISHARES CORE S&P 500 ETF COM 464287200 194520 370 SH DFND 370 0 0 LOWES COS INC COM 548661107 50946 200 SH DFND 200 0 0 PEPSICO INC COM 713448108 17501 100 SH DFND 100 0 0 PFIZER INC COM 717081103 41930 1511 SH DFND 1511 0 0 ZOETIS INC COM 98978v103 80544 476 SH DFND 476 0 0