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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE SHS CLASS A G1151C101 1 5 SH   DFND NONE 5 0 0
ACCENTURE SHS CLASS A G1151C101 533 2,480 SH   SOLE NONE 2,480 0 0
ALPHABET INC CAP STK CL A 02079K305 43 30 SH   DFND NONE 30 0 0
ALPHABET INC CAP STK CL A 02079K305 2,275 1,604 SH   SOLE NONE 1,604 0 0
AT&T INC COM 00206R102 253 8,377 SH   DFND NONE 5,377 0 3,000
AT&T INC COM 00206R102 8 260 SH   SOLE NONE 260 0 0
Abbott Laboratories COM 002824100 13 140 SH   DFND NONE 140 0 0
Abbott Laboratories COM 002824100 1,621 17,734 SH   SOLE NONE 17,734 0 0
Alexion Pharmaceuticals Inc COM 015351109 2 15 SH   DFND NONE 15 0 0
Alexion Pharmaceuticals Inc COM 015351109 719 6,404 SH   SOLE NONE 6,404 0 0
Allstate Corp/The COM 020002101 3 30 SH   DFND NONE 30 0 0
Allstate Corp/The COM 020002101 965 9,948 SH   SOLE NONE 9,948 0 0
Alphabet Inc CAP STK CL C 02079K107 257 182 SH   SOLE NONE 182 0 0
Amazon.com Inc COM 023135106 466 169 SH   DFND NONE 169 0 0
Amazon.com Inc COM 023135106 2,957 1,072 SH   SOLE NONE 1,072 0 0
American Tower Corp COM 03027X100 14 55 SH   DFND NONE 55 0 0
American Tower Corp COM 03027X100 1,592 6,158 SH   SOLE NONE 6,158 0 0
Apple Inc COM 037833100 95 260 SH   DFND NONE 260 0 0
Apple Inc COM 037833100 3,073 8,425 SH   SOLE NONE 8,425 0 0
BAXTER INTL INC COM 071813109 86 1,000 SH   DFND NONE 1,000 0 0
BAXTER INTL INC COM 071813109 149 1,735 SH   SOLE NONE 1,735 0 0
BOEING CO COM 097023105 7 40 SH   DFND NONE 40 0 0
BOEING CO COM 097023105 531 2,899 SH   SOLE NONE 2,899 0 0
BRISTOL-MYRS SQUIB COM 110122108 2 40 SH   DFND NONE 40 0 0
BRISTOL-MYRS SQUIB COM 110122108 707 12,018 SH   SOLE NONE 12,018 0 0
BlackRock Fund Advisors MSCI PAC JP ETF 464286665 10 255 SH   DFND NONE 255 0 0
BlackRock Fund Advisors MSCI PAC JP ETF 464286665 2,656 66,807 SH   SOLE NONE 66,807 0 0
BlackRock Fund Advisors MSCI EMG MKT ETF 464287234 16 405 SH   DFND NONE 405 0 0
BlackRock Fund Advisors MSCI EMG MKT ETF 464287234 4,332 108,334 SH   SOLE NONE 108,334 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499 21 395 SH   DFND NONE 395 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499 3,164 59,024 SH   SOLE NONE 59,024 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372 595 15,549 SH   SOLE NONE 15,549 0 0
BlackRock Fund Advisors INTRM TR CRP ETF 464288638 211 3,500 SH   DFND NONE 3,500 0 0
BlackRock Fund Advisors INTRM TR CRP ETF 464288638 11,466 189,891 SH   SOLE NONE 189,891 0 0
BlackRock Fund Advisors SH TR CRPORT ETF 464288646 432 7,900 SH   DFND NONE 7,900 0 0
BlackRock Fund Advisors SH TR CRPORT ETF 464288646 14,411 263,404 SH   SOLE NONE 263,404 0 0
BlackRock Fund Advisors 3 7 YR TREAS BD 464288661 67 500 SH   DFND NONE 500 0 0
BlackRock Fund Advisors 3 7 YR TREAS BD 464288661 4,818 36,043 SH   SOLE NONE 36,043 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822 20 365 SH   DFND NONE 365 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822 5,248 95,551 SH   SOLE NONE 95,551 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 92 2,140 SH   DFND NONE 2,140 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 12,463 291,470 SH   SOLE NONE 291,470 0 0
COLGATE-PALMOLIVE COM 194162103 757 10,334 SH   DFND NONE 0 0 10,334
CVS Health Corp COM 126650100 8 130 SH   DFND NONE 130 0 0
CVS Health Corp COM 126650100 1,152 17,738 SH   SOLE NONE 17,738 0 0
Chevron Corp COM 166764100 2 25 SH   DFND NONE 25 0 0
Chevron Corp COM 166764100 748 8,379 SH   SOLE NONE 8,379 0 0
Chipotle Mexican Grill Inc COM 169656105 640 608 SH   SOLE NONE 608 0 0
Citigroup Inc COM NEW 172967424 13 245 SH   DFND NONE 35 0 210
Citigroup Inc COM NEW 172967424 557 10,903 SH   SOLE NONE 10,903 0 0
Coca-Cola Co/The COM 191216100 75 1,675 SH   DFND NONE 1,675 0 0
Coca-Cola Co/The COM 191216100 673 15,070 SH   SOLE NONE 15,070 0 0
Comcast Corp CL A 20030N101 3 70 SH   DFND NONE 70 0 0
Comcast Corp CL A 20030N101 969 24,849 SH   SOLE NONE 24,849 0 0
Costco Wholesale Corp COM 22160K105 2 5 SH   DFND NONE 5 0 0
Costco Wholesale Corp COM 22160K105 827 2,729 SH   SOLE NONE 2,729 0 0
Danaher Corp COM 235851102 53 300 SH   DFND NONE 0 0 300
Danaher Corp COM 235851102 181 1,025 SH   SOLE NONE 1,025 0 0
Deere & Co COM 244199105 2 10 SH   DFND NONE 10 0 0
Deere & Co COM 244199105 696 4,430 SH   SOLE NONE 4,430 0 0
EBAY INC COM 278642103 12 235 SH   DFND NONE 35 0 200
EBAY INC COM 278642103 644 12,275 SH   SOLE NONE 12,275 0 0
ECOLAB INC COM 278865100 1 5 SH   DFND NONE 5 0 0
ECOLAB INC COM 278865100 541 2,717 SH   SOLE NONE 2,717 0 0
EOG Resources Inc COM 26875P101 1 15 SH   DFND NONE 15 0 0
EOG Resources Inc COM 26875P101 338 6,663 SH   SOLE NONE 6,663 0 0
Eli Lilly and Co COM 532457108 3 20 SH   DFND NONE 20 0 0
Eli Lilly and Co COM 532457108 1,016 6,188 SH   SOLE NONE 6,188 0 0
Estee Lauder Cos Inc/The CL A 518439104 3 15 SH   DFND NONE 15 0 0
Estee Lauder Cos Inc/The CL A 518439104 988 5,236 SH   SOLE NONE 5,236 0 0
Exxon Mobil Corp COM 30231G102 207 4,627 SH   DFND NONE 1,675 0 2,952
Exxon Mobil Corp COM 30231G102 393 8,792 SH   SOLE NONE 8,792 0 0
Facebook Inc CL A 30303M102 49 215 SH   DFND NONE 215 0 0
Facebook Inc CL A 30303M102 1,494 6,581 SH   SOLE NONE 6,581 0 0
GEN DYNAMICS CORP COM 369550108 16 110 SH   DFND NONE 10 0 100
GEN DYNAMICS CORP COM 369550108 392 2,623 SH   SOLE NONE 2,623 0 0
HALLIBURTON COM 406216101 0 25 SH   DFND NONE 25 0 0
HALLIBURTON COM 406216101 154 11,860 SH   SOLE NONE 11,860 0 0
Home Depot Inc/The COM 437076102 51 205 SH   DFND NONE 5 0 200
Home Depot Inc/The COM 437076102 655 2,616 SH   SOLE NONE 2,616 0 0
Honeywell International Inc COM 438516106 59 410 SH   DFND NONE 410 0 0
Honeywell International Inc COM 438516106 747 5,166 SH   SOLE NONE 5,166 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 3 35 SH   DFND NONE 35 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 1,044 11,396 SH   SOLE NONE 11,396 0 0
INTL BUSINESS MCHN COM 459200101 74 610 SH   DFND NONE 410 0 200
INTL BUSINESS MCHN COM 459200101 573 4,741 SH   SOLE NONE 4,741 0 0
ISHARES CORE S&P500 ETF 464287200 194 625 SH   DFND NONE 625 0 0
ISHARES CORE S&P500 ETF 464287200 12,365 39,928 SH   SOLE NONE 39,928 0 0
ISHARES RUSSELL 2000 ETF 464287655 14 100 SH   DFND NONE 100 0 0
ISHARES RUSSELL 2000 ETF 464287655 2,107 14,714 SH   SOLE NONE 14,714 0 0
ISHARES NEW YORK MUN ETF 464288323 341 5,925 SH   SOLE NONE 5,925 0 0
ISHARES S&P GSCI UNIT BEN INT 46428R107 1,548 149,236 SH   SOLE NONE 149,236 0 0
ISHARES TRUST TIPS BD ETF 464287176 122 990 SH   DFND NONE 990 0 0
ISHARES TRUST TIPS BD ETF 464287176 3,227 26,233 SH   SOLE NONE 26,233 0 0
Intel Corp COM 458140100 33 555 SH   DFND NONE 55 0 500
Intel Corp COM 458140100 1,063 17,769 SH   SOLE NONE 17,769 0 0
JPMorgan Chase & Co COM 46625H100 150 1,598 SH   DFND NONE 1,098 0 500
JPMorgan Chase & Co COM 46625H100 1,770 18,819 SH   SOLE NONE 18,819 0 0
JetBlue Airways Corp COM 477143101 216 19,780 SH   SOLE NONE 19,780 0 0
Johnson & Johnson COM 478160104 147 1,045 SH   DFND NONE 95 0 950
Johnson & Johnson COM 478160104 738 5,250 SH   SOLE NONE 5,250 0 0
KLA Corp COM NEW 482480100 2 10 SH   DFND NONE 10 0 0
KLA Corp COM NEW 482480100 780 4,013 SH   SOLE NONE 4,013 0 0
Kraft Foods Inc CL A 609207105 3 60 SH   DFND NONE 60 0 0
Kraft Foods Inc CL A 609207105 1,146 22,405 SH   SOLE NONE 22,405 0 0
MARSH & MCLENNAN COM 571748102 2 15 SH   DFND NONE 15 0 0
MARSH & MCLENNAN COM 571748102 466 4,338 SH   SOLE NONE 4,338 0 0
MARVELL TECH GROUP ORD G5876H105 228 6,495 SH   SOLE NONE 6,495 0 0
MASTERCARD INC CL A 57636Q104 15 50 SH   DFND NONE 50 0 0
MASTERCARD INC CL A 57636Q104 1,068 3,612 SH   SOLE NONE 3,612 0 0
MCDONALD'S CORP COM 580135101 1,100 5,965 SH   DFND NONE 10 0 5,955
MCDONALD'S CORP COM 580135101 609 3,303 SH   SOLE NONE 3,303 0 0
MICROSOFT CORP COM 594918104 460 2,258 SH   DFND NONE 2,258 0 0
MICROSOFT CORP COM 594918104 3,716 18,262 SH   SOLE NONE 18,262 0 0
Masco Corp COM 574599106 2 45 SH   DFND NONE 45 0 0
Masco Corp COM 574599106 700 13,948 SH   SOLE NONE 13,948 0 0
NEXTERA ENERGY COM 65339F101 169 705 SH   DFND NONE 5 0 700
NEXTERA ENERGY COM 65339F101 709 2,951 SH   SOLE NONE 2,951 0 0
NIKE INC CL B 654106103 16 160 SH   DFND NONE 160 0 0
NIKE INC CL B 654106103 1,111 11,333 SH   SOLE NONE 11,333 0 0
NVIDIA Corp COM 67066G104 4 10 SH   DFND NONE 10 0 0
NVIDIA Corp COM 67066G104 943 2,483 SH   SOLE NONE 2,483 0 0
Norfolk Southern Corp COM 655844108 2 10 SH   DFND NONE 10 0 0
Norfolk Southern Corp COM 655844108 766 4,363 SH   SOLE NONE 4,363 0 0
ORACLE CORP COM 68389X105 7 135 SH   DFND NONE 135 0 0
ORACLE CORP COM 68389X105 620 11,209 SH   SOLE NONE 11,209 0 0
PASL Holding LLC COM 591774104 2,079 64,822 SH   DFND NONE 64,822 0 0
Palo Alto Networks Inc COM 697435105 1 5 SH   DFND NONE 5 0 0
Palo Alto Networks Inc COM 697435105 464 2,020 SH   SOLE NONE 2,020 0 0
Pfizer Inc COM 717081103 2 75 SH   DFND NONE 75 0 0
Pfizer Inc COM 717081103 751 22,956 SH   SOLE NONE 22,956 0 0
Procter & Gamble Co/The COM 742718109 1,148 9,600 SH   DFND NONE 0 0 9,600
Royal Dutch Shell PLC SPONS ADR A 780259206 634 19,409 SH   DFND NONE 0 0 19,409
S&P Global Inc COM 78409V104 560 1,700 SH   DFND NONE 0 0 1,700
S&P Global Inc COM 78409V104 140 425 SH   SOLE NONE 425 0 0
SALESFORCE.COM INC COM 79466L302 10 55 SH   DFND NONE 55 0 0
SALESFORCE.COM INC COM 79466L302 1,046 5,584 SH   SOLE NONE 5,584 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 117 700 SH   DFND NONE 700 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,135 6,784 SH   SOLE NONE 6,784 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749 425 10,884 SH   SOLE NONE 10,884 0 0
STARBUCKS CORP COM 855244109 127 1,720 SH   DFND NONE 120 0 1,600
STARBUCKS CORP COM 855244109 462 6,275 SH   SOLE NONE 6,275 0 0
Sempra Energy COM 816851109 342 2,914 SH   DFND NONE 0 0 2,914
TJX Cos Inc/The COM 872540109 2 30 SH   DFND NONE 30 0 0
TJX Cos Inc/The COM 872540109 683 13,514 SH   SOLE NONE 13,514 0 0
Truist Financial Corp COM 89832Q109 2 65 SH   DFND NONE 65 0 0
Truist Financial Corp COM 89832Q109 726 19,345 SH   SOLE NONE 19,345 0 0
Unilever NV N Y SHS NEW 904784709 1,064 19,968 SH   DFND NONE 0 0 19,968
VISA INC COM CL A 92826C839 228 1,180 SH   SOLE NONE 1,180 0 0
WW Grainger Inc COM 384802104 2 5 SH   DFND NONE 5 0 0
WW Grainger Inc COM 384802104 688 2,191 SH   SOLE NONE 2,191 0 0
Walt Disney Co/The COM DISNEY 254687106 37 331 SH   DFND NONE 65 0 266
Walt Disney Co/The COM DISNEY 254687106 505 4,533 SH   SOLE NONE 4,533 0 0
Xilinx Inc COM 983919101 2 20 SH   DFND NONE 20 0 0
Xilinx Inc COM 983919101 626 6,360 SH   SOLE NONE 6,360 0 0
ZIMMER HLDGS INC COM 98956P102 2 20 SH   DFND NONE 20 0 0
ZIMMER HLDGS INC COM 98956P102 979 8,199 SH   SOLE NONE 8,199 0 0