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
ALPHABET INC CAP STK CL A 02079K305   27,531 230 SH   DFND NONE 230 0 0
ALPHABET INC CAP STK CL A 02079K305   1,954,581 16,329 SH   SOLE NONE 16,329 0 0
ANALOG DEVICES INC COM 032654105   2,338 12 SH   DFND NONE 12 0 0
ANALOG DEVICES INC COM 032654105   620,080 3,183 SH   SOLE NONE 3,183 0 0
AT&T INC COM 00206R102   48,727 3,055 SH   DFND NONE 55 0 3,000
AT&T INC COM 00206R102   222,199 13,931 SH   SOLE NONE 13,931 0 0
Abbott Laboratories COM 002824100   2,726 25 SH   DFND NONE 25 0 0
Abbott Laboratories COM 002824100   738,065 6,770 SH   SOLE NONE 6,770 0 0
Adobe Inc COM 00724F101   1,467 3 SH   DFND NONE 3 0 0
Adobe Inc COM 00724F101   345,716 707 SH   SOLE NONE 707 0 0
Alphabet Inc CAP STK CL C 02079K107   193,552 1,600 SH   DFND NONE 1,600 0 0
Alphabet Inc CAP STK CL C 02079K107   35,807 296 SH   SOLE NONE 296 0 0
Amazon.com Inc COM 023135106   290,181 2,226 SH   DFND NONE 2,226 0 0
Amazon.com Inc COM 023135106   1,248,979 9,581 SH   SOLE NONE 9,581 0 0
American Tower Corp COM 03027X100   1,939 10 SH   DFND NONE 10 0 0
American Tower Corp COM 03027X100   563,978 2,908 SH   SOLE NONE 2,908 0 0
AmerisourceBergen Corp COM 03073E105   1,539 8 SH   DFND NONE 8 0 0
AmerisourceBergen Corp COM 03073E105   439,510 2,284 SH   SOLE NONE 2,284 0 0
Apple Inc COM 037833100   602,471 3,106 SH   DFND NONE 3,106 0 0
Apple Inc COM 037833100   2,536,740 13,078 SH   SOLE NONE 13,078 0 0
BECTON DICKINSON COM 075887109   1,320 5 SH   DFND NONE 5 0 0
BECTON DICKINSON COM 075887109   355,357 1,346 SH   SOLE NONE 1,346 0 0
BOEING CO COM 097023105   9,502 45 SH   DFND NONE 45 0 0
BOEING CO COM 097023105   287,389 1,361 SH   SOLE NONE 1,361 0 0
BRISTOL-MYRS SQUIB COM 110122108   1,279 20 SH   DFND NONE 20 0 0
BRISTOL-MYRS SQUIB COM 110122108   391,182 6,117 SH   SOLE NONE 6,117 0 0
Bath & Body Works Inc COM 070830104   1,313 35 SH   DFND NONE 35 0 0
Bath & Body Works Inc COM 070830104   418,613 11,163 SH   SOLE NONE 11,163 0 0
Biogen Inc COM 09062X103   200,819 705 SH   DFND NONE 5 0 700
Biogen Inc COM 09062X103   423,287 1,486 SH   SOLE NONE 1,486 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   7,303 100 SH   DFND NONE 100 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   2,523,113 34,549 SH   SOLE NONE 34,549 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372   1,288,261 27,439 SH   SOLE NONE 27,439 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   109,990 2,175 SH   DFND NONE 2,175 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   8,331,054 164,743 SH   SOLE NONE 164,743 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   73,499 1,465 SH   DFND NONE 1,465 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   7,227,741 144,065 SH   SOLE NONE 144,065 0 0
BlackRock Fund Advisors 10+ YR INVST GRD 464289511   22,167 430 SH   DFND NONE 430 0 0
BlackRock Fund Advisors 10+ YR INVST GRD 464289511   1,475,206 28,617 SH   SOLE NONE 28,617 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   13,309 215 SH   DFND NONE 215 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   4,333,124 70,002 SH   SOLE NONE 70,002 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   37,367 710 SH   DFND NONE 710 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   11,539,706 219,261 SH   SOLE NONE 219,261 0 0
BlackRock Inc COM 09247X101   1,382 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101   315,851 457 SH   SOLE NONE 457 0 0
Blackstone Inc COM 09260D107   1,859 20 SH   DFND NONE 20 0 0
Blackstone Inc COM 09260D107   482,886 5,194 SH   SOLE NONE 5,194 0 0
CDW Corp/DE COM 12514G108   1,285 7 SH   DFND NONE 7 0 0
CDW Corp/DE COM 12514G108   397,094 2,164 SH   SOLE NONE 2,164 0 0
CISCO SYSTEMS COM 17275R102   2,121 41 SH   DFND NONE 41 0 0
CISCO SYSTEMS COM 17275R102   536,182 10,363 SH   SOLE NONE 10,363 0 0
COLGATE-PALMOLIVE COM 194162103   467,941 6,074 SH   DFND NONE 0 0 6,074
CVS Health Corp COM 126650100   2,074 30 SH   DFND NONE 30 0 0
CVS Health Corp COM 126650100   630,327 9,118 SH   SOLE NONE 9,118 0 0
Charles Schwab Corp/The COM 808513105   850 15 SH   DFND NONE 15 0 0
Charles Schwab Corp/The COM 808513105   261,692 4,617 SH   SOLE NONE 4,617 0 0
Chevron Corp COM 166764100   944 6 SH   DFND NONE 6 0 0
Chevron Corp COM 166764100   313,284 1,991 SH   SOLE NONE 1,991 0 0
Chipotle Mexican Grill Inc COM 169656105   4,278 2 SH   DFND NONE 2 0 0
Chipotle Mexican Grill Inc COM 169656105   716,565 335 SH   SOLE NONE 335 0 0
Coca-Cola Co/The COM 191216100   14,152 235 SH   DFND NONE 235 0 0
Coca-Cola Co/The COM 191216100   524,878 8,716 SH   SOLE NONE 8,716 0 0
Comcast Corp CL A 20030N101   1,662 40 SH   DFND NONE 40 0 0
Comcast Corp CL A 20030N101   464,986 11,191 SH   SOLE NONE 11,191 0 0
Costco Wholesale Corp COM 22160K105   3,230 6 SH   DFND NONE 6 0 0
Costco Wholesale Corp COM 22160K105   864,638 1,606 SH   SOLE NONE 1,606 0 0
DuPont de Nemours Inc COM 26614N102   1,072 15 SH   DFND NONE 15 0 0
DuPont de Nemours Inc COM 26614N102   260,042 3,640 SH   SOLE NONE 3,640 0 0
EOG Resources Inc COM 26875P101   1,144 10 SH   DFND NONE 10 0 0
EOG Resources Inc COM 26875P101   298,460 2,608 SH   SOLE NONE 2,608 0 0
ESTEE LAUDER COS CL A 518439104   1,571 8 SH   DFND NONE 8 0 0
ESTEE LAUDER COS CL A 518439104   425,948 2,169 SH   SOLE NONE 2,169 0 0
Exxon Mobil Corp COM 30231G102   318,104 2,966 SH   DFND NONE 14 0 2,952
Exxon Mobil Corp COM 30231G102   604,139 5,633 SH   SOLE NONE 5,633 0 0
FACEBOOK INC CL A 30303M102   2,870 10 SH   DFND NONE 10 0 0
FACEBOOK INC CL A 30303M102   777,429 2,709 SH   SOLE NONE 2,709 0 0
FREEPORT-MCMOR C&G CL B 35671D857   880 22 SH   DFND NONE 22 0 0
FREEPORT-MCMOR C&G CL B 35671D857   224,840 5,621 SH   SOLE NONE 5,621 0 0
GEN DYNAMICS CORP COM 369550108   23,236 108 SH   DFND NONE 8 0 100
GEN DYNAMICS CORP COM 369550108   473,975 2,203 SH   SOLE NONE 2,203 0 0
GSK PLC SPONSORED ADR 37733W204   1,604 45 SH   DFND NONE 45 0 0
GSK PLC SPONSORED ADR 37733W204   463,605 13,008 SH   SOLE NONE 13,008 0 0
HALLIBURTON COM 406216101   1,155 35 SH   DFND NONE 35 0 0
HALLIBURTON COM 406216101   276,687 8,387 SH   SOLE NONE 8,387 0 0
Home Depot Inc/The COM 437076102   63,681 205 SH   DFND NONE 5 0 200
Home Depot Inc/The COM 437076102   506,654 1,631 SH   SOLE NONE 1,631 0 0
Honeywell International Inc COM 438516106   2,075 10 SH   DFND NONE 10 0 0
Honeywell International Inc COM 438516106   663,170 3,196 SH   SOLE NONE 3,196 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   1,583 14 SH   DFND NONE 14 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   457,522 4,046 SH   SOLE NONE 4,046 0 0
INTL BUSINESS MCHN COM 459200101   28,769 215 SH   DFND NONE 15 0 200
INTL BUSINESS MCHN COM 459200101   544,473 4,069 SH   SOLE NONE 4,069 0 0
ISHARES CORE S&P500 ETF 464287200   7,131 16 SH   DFND NONE 16 0 0
ISHARES CORE S&P500 ETF 464287200   13,911,055 31,211 SH   SOLE NONE 31,211 0 0
ISHARES RUSSELL 2000 ETF 464287655   3,745 20 SH   DFND NONE 20 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,499,845 8,009 SH   SOLE NONE 8,009 0 0
ISHARES NEW YORK MUN ETF 464288323   1,446,808 27,165 SH   SOLE NONE 27,165 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   17,406 440 SH   DFND NONE 440 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   5,326,279 134,638 SH   SOLE NONE 134,638 0 0
JPMorgan Chase & Co COM 46625H100   76,356 525 SH   DFND NONE 25 0 500
JPMorgan Chase & Co COM 46625H100   1,170,501 8,048 SH   SOLE NONE 8,048 0 0
KRAFT FOODS INC CL A 609207105   2,553 35 SH   DFND NONE 35 0 0
KRAFT FOODS INC CL A 609207105   734,433 10,069 SH   SOLE NONE 10,069 0 0
MARSH & MCLENNAN COM 571748102   1,317 7 SH   DFND NONE 7 0 0
MARSH & MCLENNAN COM 571748102   396,473 2,108 SH   SOLE NONE 2,108 0 0
MASTERCARD INC CL A 57636Q104   3,933 10 SH   DFND NONE 10 0 0
MASTERCARD INC CL A 57636Q104   1,189,733 3,025 SH   SOLE NONE 3,025 0 0
MCDONALD'S CORP COM 580135101   1,492 5 SH   DFND NONE 5 0 0
MCDONALD'S CORP COM 580135101   465,520 1,560 SH   SOLE NONE 1,560 0 0
MICROSOFT CORP COM 594918104   57,892 170 SH   DFND NONE 170 0 0
MICROSOFT CORP COM 594918104   2,801,282 8,226 SH   SOLE NONE 8,226 0 0
Masco Corp COM 574599106   1,435 25 SH   DFND NONE 25 0 0
Masco Corp COM 574599106   372,970 6,500 SH   SOLE NONE 6,500 0 0
NEXTERA ENERGY COM 65339F101   209,392 2,822 SH   DFND NONE 22 0 2,800
NEXTERA ENERGY COM 65339F101   413,071 5,567 SH   SOLE NONE 5,567 0 0
NIKE INC CL B 654106103   2,207 20 SH   DFND NONE 20 0 0
NIKE INC CL B 654106103   659,240 5,973 SH   SOLE NONE 5,973 0 0
NVIDIA Corp COM 67066G104   5,499 13 SH   DFND NONE 13 0 0
NVIDIA Corp COM 67066G104   1,113,812 2,633 SH   SOLE NONE 2,633 0 0
Norfolk Southern Corp COM 655844108   1,814 8 SH   DFND NONE 8 0 0
Norfolk Southern Corp COM 655844108   530,165 2,338 SH   SOLE NONE 2,338 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   3,665,924 91,488 SH   SOLE NONE 91,488 0 0
ORACLE CORP COM 68389X105   1,786 15 SH   DFND NONE 15 0 0
ORACLE CORP COM 68389X105   436,584 3,666 SH   SOLE NONE 3,666 0 0
Palo Alto Networks Inc COM 697435105   2,300 9 SH   DFND NONE 9 0 0
Palo Alto Networks Inc COM 697435105   517,663 2,026 SH   SOLE NONE 2,026 0 0
Pfizer Inc COM 717081103   1,651 45 SH   DFND NONE 45 0 0
Pfizer Inc COM 717081103   419,436 11,435 SH   SOLE NONE 11,435 0 0
Procter & Gamble Co/The COM 742718109   819,396 5,400 SH   DFND NONE 10 0 5,390
Procter & Gamble Co/The COM 742718109   403,628 2,660 SH   SOLE NONE 2,660 0 0
S&P Global Inc COM 78409V104   681,513 1,700 SH   DFND NONE 0 0 1,700
SALESFORCE.COM INC COM 79466L302   7,605 36 SH   DFND NONE 36 0 0
SALESFORCE.COM INC COM 79466L302   682,581 3,231 SH   SOLE NONE 3,231 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749   1,167,209 28,420 SH   SOLE NONE 28,420 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   229,838 1,875 SH   SOLE NONE 1,875 0 0
STARBUCKS CORP COM 855244109   257,556 2,600 SH   DFND NONE 1,000 0 1,600
Schlumberger NV COM STK 806857108   1,965 40 SH   DFND NONE 40 0 0
Schlumberger NV COM STK 806857108   576,276 11,732 SH   SOLE NONE 11,732 0 0
Shell PLC SPON ADS 780259305   1,171,915 19,409 SH   DFND NONE 0 0 19,409
Shell PLC SPON ADS 780259305   10,627 176 SH   SOLE NONE 176 0 0
TJX Cos Inc/The COM 872540109   1,696 20 SH   DFND NONE 20 0 0
TJX Cos Inc/The COM 872540109   429,801 5,069 SH   SOLE NONE 5,069 0 0
Tesla Inc COM 88160R101   417,785 1,596 SH   DFND NONE 1,596 0 0
Truist Financial Corp COM 89832Q109   1,669 55 SH   DFND NONE 55 0 0
Truist Financial Corp COM 89832Q109   462,716 15,246 SH   SOLE NONE 15,246 0 0
Unilever PLC SPON ADR NEW 904767704   798,788 15,323 SH   DFND NONE 0 0 15,323
Unilever PLC SPON ADR NEW 904767704   10,217 196 SH   SOLE NONE 196 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   44,812 945 SH   DFND NONE 945 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   4,375,111 92,263 SH   SOLE NONE 92,263 0 0
WW Grainger Inc COM 384802104   2,366 3 SH   DFND NONE 3 0 0
WW Grainger Inc COM 384802104   491,292 623 SH   SOLE NONE 623 0 0
ZIMMER HLDGS INC COM 98956P102   1,893 13 SH   DFND NONE 13 0 0
ZIMMER HLDGS INC COM 98956P102   562,453 3,863 SH   SOLE NONE 3,863 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   8,026 190 SH   DFND NONE 190 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   2,614,867 61,905 SH   SOLE NONE 61,905 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   50,715 525 SH   DFND NONE 525 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   4,168,580 43,153 SH   SOLE NONE 43,153 0 0
iShares ETFs/USA MBS ETF 464288588   43,835 470 SH   DFND NONE 470 0 0
iShares ETFs/USA MBS ETF 464288588   3,246,462 34,809 SH   SOLE NONE 34,809 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   32,849 285 SH   DFND NONE 285 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   3,034,681 26,329 SH   SOLE NONE 26,329 0 0