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 2 5 SH   DFND NONE 5 0 0
ACCENTURE SHS CLASS A G1151C101 573 1,791 SH   SOLE NONE 1,791 0 0
ALPHABET INC CAP STK CL A 02079K305 96 36 SH   DFND NONE 36 0 0
ALPHABET INC CAP STK CL A 02079K305 2,815 1,053 SH   SOLE NONE 1,053 0 0
ANALOG DEVICES INC COM 032654105 3 15 SH   DFND NONE 15 0 0
ANALOG DEVICES INC COM 032654105 672 4,015 SH   SOLE NONE 4,015 0 0
Abbott Laboratories COM 002824100 15 130 SH   DFND NONE 130 0 0
Abbott Laboratories COM 002824100 1,326 11,223 SH   SOLE NONE 11,223 0 0
Activision Blizzard Inc COM 00507V109 2 20 SH   DFND NONE 20 0 0
Activision Blizzard Inc COM 00507V109 451 5,830 SH   SOLE NONE 5,830 0 0
Adobe Inc COM 00724F101 663 1,151 SH   SOLE NONE 1,151 0 0
Amazon.com Inc COM 023135106 3 1 SH   DFND NONE 1 0 0
Amazon.com Inc COM 023135106 2,372 722 SH   SOLE NONE 722 0 0
American Tower Corp COM 03027X100 15 55 SH   DFND NONE 55 0 0
American Tower Corp COM 03027X100 1,050 3,955 SH   SOLE NONE 3,955 0 0
Apple Inc COM 037833100 121 855 SH   DFND NONE 855 0 0
Apple Inc COM 037833100 2,770 19,578 SH   SOLE NONE 19,578 0 0
BOEING CO COM 097023105 24 110 SH   DFND NONE 110 0 0
BOEING CO COM 097023105 420 1,909 SH   SOLE NONE 1,909 0 0
BRISTOL-MYRS SQUIB COM 110122108 2 30 SH   DFND NONE 30 0 0
BRISTOL-MYRS SQUIB COM 110122108 500 8,446 SH   SOLE NONE 8,446 0 0
Biogen Inc COM 09062X103 198 700 SH   DFND NONE 0 0 700
Biogen Inc COM 09062X103 62 218 SH   SOLE NONE 218 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499 23 300 SH   DFND NONE 300 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499 3,177 40,620 SH   SOLE NONE 40,620 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372 1,076 23,442 SH   SOLE NONE 23,442 0 0
BlackRock Fund Advisors MBS ETF 464288588 742 6,857 SH   SOLE NONE 6,857 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 224 3,725 SH   DFND NONE 3,725 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 9,638 160,479 SH   SOLE NONE 160,479 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 477 8,725 SH   DFND NONE 8,725 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 10,123 185,275 SH   SOLE NONE 185,275 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822 24 335 SH   DFND NONE 335 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822 6,641 94,534 SH   SOLE NONE 94,534 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 108 1,930 SH   DFND NONE 1,930 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 14,768 263,440 SH   SOLE NONE 263,440 0 0
BlackRock Inc COM 09247X101 439 524 SH   SOLE NONE 524 0 0
Blackstone Inc COM 09260D107 2 20 SH   DFND NONE 20 0 0
Blackstone Inc COM 09260D107 601 5,170 SH   SOLE NONE 5,170 0 0
COLGATE-PALMOLIVE COM 194162103 616 8,144 SH   DFND NONE 0 0 8,144
CVS Health Corp COM 126650100 10 115 SH   DFND NONE 115 0 0
CVS Health Corp COM 126650100 1,055 12,436 SH   SOLE NONE 12,436 0 0
Chevron Corp COM 166764100 1 10 SH   DFND NONE 10 0 0
Chevron Corp COM 166764100 305 3,003 SH   SOLE NONE 3,003 0 0
Chipotle Mexican Grill Inc COM 169656105 780 429 SH   SOLE NONE 429 0 0
Citigroup Inc COM NEW 172967424 17 240 SH   DFND NONE 30 0 210
Citigroup Inc COM NEW 172967424 547 7,800 SH   SOLE NONE 7,800 0 0
Coca-Cola Co/The COM 191216100 87 1,650 SH   DFND NONE 1,650 0 0
Coca-Cola Co/The COM 191216100 546 10,404 SH   SOLE NONE 10,404 0 0
Comcast Corp CL A 20030N101 3 55 SH   DFND NONE 55 0 0
Comcast Corp CL A 20030N101 997 17,830 SH   SOLE NONE 17,830 0 0
Costco Wholesale Corp COM 22160K105 2 5 SH   DFND NONE 5 0 0
Costco Wholesale Corp COM 22160K105 990 2,204 SH   SOLE NONE 2,204 0 0
DEERE & CO COM 244199105 3 10 SH   DFND NONE 10 0 0
DEERE & CO COM 244199105 848 2,530 SH   SOLE NONE 2,530 0 0
DuPont de Nemours Inc COM 26614N102 2 25 SH   DFND NONE 25 0 0
DuPont de Nemours Inc COM 26614N102 360 5,296 SH   SOLE NONE 5,296 0 0
EBAY INC COM 278642103 16 230 SH   DFND NONE 30 0 200
EBAY INC COM 278642103 644 9,249 SH   SOLE NONE 9,249 0 0
ECOLAB INC COM 278865100 1 5 SH   DFND NONE 5 0 0
ECOLAB INC COM 278865100 397 1,903 SH   SOLE NONE 1,903 0 0
EOG Resources Inc COM 26875P101 2 20 SH   DFND NONE 20 0 0
EOG Resources Inc COM 26875P101 392 4,879 SH   SOLE NONE 4,879 0 0
Eli Lilly & Co COM 532457108 5 20 SH   DFND NONE 20 0 0
Eli Lilly & Co COM 532457108 972 4,209 SH   SOLE NONE 4,209 0 0
Estee Lauder Cos Inc/The CL A 518439104 4 15 SH   DFND NONE 15 0 0
Estee Lauder Cos Inc/The CL A 518439104 937 3,124 SH   SOLE NONE 3,124 0 0
Exxon Mobil Corp COM 30231G102 272 4,627 SH   DFND NONE 1,675 0 2,952
Exxon Mobil Corp COM 30231G102 362 6,149 SH   SOLE NONE 6,149 0 0
Facebook Inc CL A 30303M102 5 15 SH   DFND NONE 15 0 0
Facebook Inc CL A 30303M102 1,483 4,369 SH   SOLE NONE 4,369 0 0
GEN DYNAMICS CORP COM 369550108 22 110 SH   DFND NONE 10 0 100
GEN DYNAMICS CORP COM 369550108 585 2,985 SH   SOLE NONE 2,985 0 0
HALLIBURTON COM 406216101 1 55 SH   DFND NONE 55 0 0
HALLIBURTON COM 406216101 357 16,490 SH   SOLE NONE 16,490 0 0
Home Depot Inc/The COM 437076102 67 205 SH   DFND NONE 5 0 200
Home Depot Inc/The COM 437076102 511 1,556 SH   SOLE NONE 1,556 0 0
Honeywell International Inc COM 438516106 87 410 SH   DFND NONE 410 0 0
Honeywell International Inc COM 438516106 843 3,970 SH   SOLE NONE 3,970 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 3 30 SH   DFND NONE 30 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 902 7,852 SH   SOLE NONE 7,852 0 0
INTL BUSINESS MCHN COM 459200101 85 610 SH   DFND NONE 410 0 200
INTL BUSINESS MCHN COM 459200101 465 3,349 SH   SOLE NONE 3,349 0 0
ISHARES CORE S&P500 ETF 464287200 267 620 SH   DFND NONE 620 0 0
ISHARES CORE S&P500 ETF 464287200 14,578 33,838 SH   SOLE NONE 33,838 0 0
ISHARES RUSSELL 2000 ETF 464287655 15 70 SH   DFND NONE 70 0 0
ISHARES RUSSELL 2000 ETF 464287655 2,098 9,591 SH   SOLE NONE 9,591 0 0
ISHARES NEW YORK MUN ETF 464288323 1,742 30,100 SH   SOLE NONE 30,100 0 0
ISHARES S&P GSCI UNIT BEN INT 46428R107 1,116 66,171 SH   SOLE NONE 66,171 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 40 785 SH   DFND NONE 785 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 11,013 218,597 SH   SOLE NONE 218,597 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 1,960 17,007 SH   SOLE NONE 17,007 0 0
ISHARES TRUST TIPS BD ETF 464287176 114 890 SH   DFND NONE 890 0 0
ISHARES TRUST TIPS BD ETF 464287176 2,038 15,957 SH   SOLE NONE 15,957 0 0
Intel Corp COM 458140100 29 550 SH   DFND NONE 50 0 500
Intel Corp COM 458140100 676 12,695 SH   SOLE NONE 12,695 0 0
JPMorgan Chase & Co COM 46625H100 204 1,245 SH   DFND NONE 745 0 500
JPMorgan Chase & Co COM 46625H100 1,980 12,097 SH   SOLE NONE 12,097 0 0
Johnson & Johnson COM 478160104 169 1,045 SH   DFND NONE 95 0 950
Johnson & Johnson COM 478160104 590 3,651 SH   SOLE NONE 3,651 0 0
Kraft Foods Inc CL A 609207105 3 50 SH   DFND NONE 50 0 0
Kraft Foods Inc CL A 609207105 822 14,126 SH   SOLE NONE 14,126 0 0
MARSH & MCLENNAN COM 571748102 2 15 SH   DFND NONE 15 0 0
MARSH & MCLENNAN COM 571748102 456 3,013 SH   SOLE NONE 3,013 0 0
MASTERCARD INC CL A 57636Q104 3 10 SH   DFND NONE 10 0 0
MASTERCARD INC CL A 57636Q104 1,190 3,424 SH   SOLE NONE 3,424 0 0
MCDONALD'S CORP COM 580135101 2 10 SH   DFND NONE 10 0 0
MCDONALD'S CORP COM 580135101 549 2,279 SH   SOLE NONE 2,279 0 0
MICROSOFT CORP COM 594918104 255 905 SH   DFND NONE 905 0 0
MICROSOFT CORP COM 594918104 3,234 11,473 SH   SOLE NONE 11,473 0 0
Masco Corp COM 574599106 2 30 SH   DFND NONE 30 0 0
Masco Corp COM 574599106 537 9,672 SH   SOLE NONE 9,672 0 0
NEXTERA ENERGY COM 65339F101 222 2,830 SH   DFND NONE 30 0 2,800
NEXTERA ENERGY COM 65339F101 595 7,583 SH   SOLE NONE 7,583 0 0
NIKE INC CL B 654106103 21 145 SH   DFND NONE 145 0 0
NIKE INC CL B 654106103 915 6,299 SH   SOLE NONE 6,299 0 0
NVIDIA Corp COM 67066G104 4 20 SH   DFND NONE 20 0 0
NVIDIA Corp COM 67066G104 1,546 7,462 SH   SOLE NONE 7,462 0 0
Norfolk Southern Corp COM 655844108 2 10 SH   DFND NONE 10 0 0
Norfolk Southern Corp COM 655844108 749 3,130 SH   SOLE NONE 3,130 0 0
Palo Alto Networks Inc COM 697435105 2 5 SH   DFND NONE 5 0 0
Palo Alto Networks Inc COM 697435105 727 1,518 SH   SOLE NONE 1,518 0 0
Pfizer Inc COM 717081103 3 60 SH   DFND NONE 60 0 0
Pfizer Inc COM 717081103 665 15,458 SH   SOLE NONE 15,458 0 0
Procter & Gamble Co/The COM 742718109 949 6,785 SH   DFND NONE 10 0 6,775
Procter & Gamble Co/The COM 742718109 376 2,690 SH   SOLE NONE 2,690 0 0
Royal Dutch Shell PLC SPONS ADR A 780259206 865 19,409 SH   DFND NONE 0 0 19,409
S&P Global Inc COM 78409V104 722 1,700 SH   DFND NONE 0 0 1,700
S&P Global Inc COM 78409V104 4 10 SH   SOLE NONE 10 0 0
SALESFORCE.COM INC COM 79466L302 11 40 SH   DFND NONE 40 0 0
SALESFORCE.COM INC COM 79466L302 1,016 3,745 SH   SOLE NONE 3,745 0 0
SEMPRA ENERGY COM 816851109 267 2,114 SH   DFND NONE 0 0 2,114
SPDR GOLD TRUST GOLD SHS 78463V107 148 900 SH   DFND NONE 900 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 103 625 SH   SOLE NONE 625 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749 564 11,049 SH   SOLE NONE 11,049 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 220 1,875 SH   DFND NONE 1,875 0 0
STARBUCKS CORP COM 855244109 210 1,900 SH   DFND NONE 300 0 1,600
Schlumberger NV COM STK 806857108 1 40 SH   DFND NONE 40 0 0
Schlumberger NV COM STK 806857108 320 10,809 SH   SOLE NONE 10,809 0 0
TJX Cos Inc/The COM 872540109 2 30 SH   DFND NONE 30 0 0
TJX Cos Inc/The COM 872540109 501 7,588 SH   SOLE NONE 7,588 0 0
Truist Financial Corp COM 89832Q109 4 60 SH   DFND NONE 60 0 0
Truist Financial Corp COM 89832Q109 967 16,496 SH   SOLE NONE 16,496 0 0
Unilever PLC SPON ADR NEW 904767704 984 18,143 SH   DFND NONE 0 0 18,143
Unilever PLC SPON ADR NEW 904767704 6 103 SH   SOLE NONE 103 0 0
WW Grainger Inc COM 384802104 2 5 SH   DFND NONE 5 0 0
WW Grainger Inc COM 384802104 599 1,524 SH   SOLE NONE 1,524 0 0
Walt Disney Co/The COM 254687106 55 326 SH   DFND NONE 60 0 266
Walt Disney Co/The COM 254687106 573 3,388 SH   SOLE NONE 3,388 0 0
ZIMMER HLDGS INC COM 98956P102 3 20 SH   DFND NONE 20 0 0
ZIMMER HLDGS INC COM 98956P102 847 5,787 SH   SOLE NONE 5,787 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 11 225 SH   DFND NONE 225 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 3,065 62,829 SH   SOLE NONE 62,829 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 111 850 SH   DFND NONE 850 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 4,451 34,190 SH   SOLE NONE 34,190 0 0