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   30,098 230 SH   DFND NONE 230 0 0
ALPHABET INC CAP STK CL A 02079K305   2,139,299 16,348 SH   SOLE NONE 16,348 0 0
ANALOG DEVICES INC COM 032654105   2,101 12 SH   DFND NONE 12 0 0
ANALOG DEVICES INC COM 032654105   553,284 3,160 SH   SOLE NONE 3,160 0 0
AT&T INC COM 00206R102   45,886 3,055 SH   DFND NONE 55 0 3,000
AT&T INC COM 00206R102   213,209 14,195 SH   SOLE NONE 14,195 0 0
Abbott Laboratories COM 002824100   2,421 25 SH   DFND NONE 25 0 0
Abbott Laboratories COM 002824100   645,118 6,661 SH   SOLE NONE 6,661 0 0
Adobe Inc COM 00724F101   1,530 3 SH   DFND NONE 3 0 0
Adobe Inc COM 00724F101   351,831 690 SH   SOLE NONE 690 0 0
Alphabet Inc CAP STK CL C 02079K107   210,960 1,600 SH   DFND NONE 1,600 0 0
Alphabet Inc CAP STK CL C 02079K107   7,911 60 SH   SOLE NONE 60 0 0
Amazon.com Inc COM 023135106   282,969 2,226 SH   DFND NONE 2,226 0 0
Amazon.com Inc COM 023135106   1,195,945 9,408 SH   SOLE NONE 9,408 0 0
American Tower Corp COM 03027X100   1,645 10 SH   DFND NONE 10 0 0
American Tower Corp COM 03027X100   476,083 2,895 SH   SOLE NONE 2,895 0 0
Apple Inc COM 037833100   536,059 3,131 SH   DFND NONE 3,131 0 0
Apple Inc COM 037833100   2,217,341 12,951 SH   SOLE NONE 12,951 0 0
BECTON DICKINSON COM 075887109   1,293 5 SH   DFND NONE 5 0 0
BECTON DICKINSON COM 075887109   353,669 1,368 SH   SOLE NONE 1,368 0 0
BOEING CO COM 097023105   958 5 SH   DFND NONE 5 0 0
BOEING CO COM 097023105   252,634 1,318 SH   SOLE NONE 1,318 0 0
BRISTOL-MYRS SQUIB COM 110122108   1,161 20 SH   DFND NONE 20 0 0
BRISTOL-MYRS SQUIB COM 110122108   354,044 6,100 SH   SOLE NONE 6,100 0 0
Bath & Body Works Inc COM 070830104   1,183 35 SH   DFND NONE 35 0 0
Bath & Body Works Inc COM 070830104   374,977 11,094 SH   SOLE NONE 11,094 0 0
Biogen Inc COM 09062X103   181,192 705 SH   DFND NONE 5 0 700
Biogen Inc COM 09062X103   386,800 1,505 SH   SOLE NONE 1,505 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   6,925 100 SH   DFND NONE 100 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   2,375,552 34,304 SH   SOLE NONE 34,304 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372   1,195,583 27,618 SH   SOLE NONE 27,618 0 0
BlackRock Fund Advisors MBS ETF 464288588   41,736 470 SH   DFND NONE 470 0 0
BlackRock Fund Advisors MBS ETF 464288588   3,091,927 34,819 SH   SOLE NONE 34,819 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   105,814 2,175 SH   DFND NONE 2,175 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   8,229,439 169,156 SH   SOLE NONE 169,156 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   73,001 1,465 SH   DFND NONE 1,465 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   6,737,365 135,207 SH   SOLE NONE 135,207 0 0
BlackRock Fund Advisors 10+ YR INVST GRD 464289511   20,270 430 SH   DFND NONE 430 0 0
BlackRock Fund Advisors 10+ YR INVST GRD 464289511   1,354,521 28,734 SH   SOLE NONE 28,734 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   12,962 215 SH   DFND NONE 215 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   4,198,354 69,636 SH   SOLE NONE 69,636 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   35,259 710 SH   DFND NONE 710 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   10,829,605 218,075 SH   SOLE NONE 218,075 0 0
BlackRock Inc COM 09247X101   1,293 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101   294,153 455 SH   SOLE NONE 455 0 0
Blackstone Inc COM 09260D107   2,143 20 SH   DFND NONE 20 0 0
Blackstone Inc COM 09260D107   543,521 5,073 SH   SOLE NONE 5,073 0 0
CDW Corp/DE COM 12514G108   1,412 7 SH   DFND NONE 7 0 0
CDW Corp/DE COM 12514G108   432,775 2,145 SH   SOLE NONE 2,145 0 0
CISCO SYSTEMS COM 17275R102   2,204 41 SH   DFND NONE 41 0 0
CISCO SYSTEMS COM 17275R102   551,363 10,256 SH   SOLE NONE 10,256 0 0
COLGATE-PALMOLIVE COM 194162103   431,922 6,074 SH   DFND NONE 0 0 6,074
CVS Health Corp COM 126650100   2,095 30 SH   DFND NONE 30 0 0
CVS Health Corp COM 126650100   620,700 8,890 SH   SOLE NONE 8,890 0 0
Cencora Inc COM 03073E105   1,440 8 SH   DFND NONE 8 0 0
Cencora Inc COM 03073E105   408,352 2,269 SH   SOLE NONE 2,269 0 0
Charles Schwab Corp/The COM 808513105   824 15 SH   DFND NONE 15 0 0
Charles Schwab Corp/The COM 808513105   250,619 4,565 SH   SOLE NONE 4,565 0 0
Chevron Corp COM 166764100   1,012 6 SH   DFND NONE 6 0 0
Chevron Corp COM 166764100   333,530 1,978 SH   SOLE NONE 1,978 0 0
Chipotle Mexican Grill Inc COM 169656105   3,664 2 SH   DFND NONE 2 0 0
Chipotle Mexican Grill Inc COM 169656105   602,672 329 SH   SOLE NONE 329 0 0
Coca-Cola Co/The COM 191216100   13,155 235 SH   DFND NONE 235 0 0
Coca-Cola Co/The COM 191216100   480,812 8,589 SH   SOLE NONE 8,589 0 0
Comcast Corp CL A 20030N101   1,774 40 SH   DFND NONE 40 0 0
Comcast Corp CL A 20030N101   492,440 11,106 SH   SOLE NONE 11,106 0 0
Costco Wholesale Corp COM 22160K105   3,390 6 SH   DFND NONE 6 0 0
Costco Wholesale Corp COM 22160K105   898,851 1,591 SH   SOLE NONE 1,591 0 0
DuPont de Nemours Inc COM 26614N102   1,119 15 SH   DFND NONE 15 0 0
DuPont de Nemours Inc COM 26614N102   267,405 3,585 SH   SOLE NONE 3,585 0 0
EOG Resources Inc COM 26875P101   1,268 10 SH   DFND NONE 10 0 0
EOG Resources Inc COM 26875P101   326,914 2,579 SH   SOLE NONE 2,579 0 0
ESTEE LAUDER COS CL A 518439104   1,156 8 SH   DFND NONE 8 0 0
ESTEE LAUDER COS CL A 518439104   313,529 2,169 SH   SOLE NONE 2,169 0 0
Exxon Mobil Corp COM 30231G102   348,742 2,966 SH   DFND NONE 14 0 2,952
Exxon Mobil Corp COM 30231G102   646,337 5,497 SH   SOLE NONE 5,497 0 0
FACEBOOK INC CL A 30303M102   3,002 10 SH   DFND NONE 10 0 0
FACEBOOK INC CL A 30303M102   806,664 2,687 SH   SOLE NONE 2,687 0 0
FREEPORT-MCMOR C&G CL B 35671D857   820 22 SH   DFND NONE 22 0 0
FREEPORT-MCMOR C&G CL B 35671D857   207,258 5,558 SH   SOLE NONE 5,558 0 0
GEN DYNAMICS CORP COM 369550108   23,865 108 SH   DFND NONE 8 0 100
GEN DYNAMICS CORP COM 369550108   483,482 2,188 SH   SOLE NONE 2,188 0 0
GSK PLC SPONSORED ADR 37733W204   1,631 45 SH   DFND NONE 45 0 0
GSK PLC SPONSORED ADR 37733W204   471,286 13,001 SH   SOLE NONE 13,001 0 0
HALLIBURTON COM 406216101   1,418 35 SH   DFND NONE 35 0 0
HALLIBURTON COM 406216101   335,219 8,277 SH   SOLE NONE 8,277 0 0
Home Depot Inc/The COM 437076102   61,943 205 SH   DFND NONE 5 0 200
Home Depot Inc/The COM 437076102   487,082 1,612 SH   SOLE NONE 1,612 0 0
Honeywell International Inc COM 438516106   1,847 10 SH   DFND NONE 10 0 0
Honeywell International Inc COM 438516106   582,300 3,152 SH   SOLE NONE 3,152 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   1,540 14 SH   DFND NONE 14 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   434,139 3,946 SH   SOLE NONE 3,946 0 0
INTL BUSINESS MCHN COM 459200101   30,165 215 SH   DFND NONE 15 0 200
INTL BUSINESS MCHN COM 459200101   563,866 4,019 SH   SOLE NONE 4,019 0 0
ISHARES CORE S&P500 ETF 464287200   6,871 16 SH   DFND NONE 16 0 0
ISHARES CORE S&P500 ETF 464287200   13,330,366 31,042 SH   SOLE NONE 31,042 0 0
ISHARES RUSSELL 2000 ETF 464287655   3,535 20 SH   DFND NONE 20 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,407,911 7,966 SH   SOLE NONE 7,966 0 0
ISHARES NEW YORK MUN ETF 464288323   1,386,230 27,165 SH   SOLE NONE 27,165 0 0
ISHARES S&P GSCI UNIT BEN INT 46428R107   209,230 9,295 SH   SOLE NONE 9,295 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   16,698 440 SH   DFND NONE 440 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   5,090,917 134,148 SH   SOLE NONE 134,148 0 0
JPMorgan Chase & Co COM 46625H100   76,136 525 SH   DFND NONE 25 0 500
JPMorgan Chase & Co COM 46625H100   1,133,911 7,819 SH   SOLE NONE 7,819 0 0
KRAFT FOODS INC CL A 609207105   2,429 35 SH   DFND NONE 35 0 0
KRAFT FOODS INC CL A 609207105   697,748 10,054 SH   SOLE NONE 10,054 0 0
MARSH & MCLENNAN COM 571748102   1,332 7 SH   DFND NONE 7 0 0
MARSH & MCLENNAN COM 571748102   394,111 2,071 SH   SOLE NONE 2,071 0 0
MASTERCARD INC CL A 57636Q104   3,959 10 SH   DFND NONE 10 0 0
MASTERCARD INC CL A 57636Q104   1,187,334 2,999 SH   SOLE NONE 2,999 0 0
MCDONALD'S CORP COM 580135101   1,317 5 SH   DFND NONE 5 0 0
MCDONALD'S CORP COM 580135101   409,649 1,555 SH   SOLE NONE 1,555 0 0
MICROSOFT CORP COM 594918104   53,678 170 SH   DFND NONE 170 0 0
MICROSOFT CORP COM 594918104   2,529,158 8,010 SH   SOLE NONE 8,010 0 0
Masco Corp COM 574599106   1,336 25 SH   DFND NONE 25 0 0
Masco Corp COM 574599106   352,556 6,596 SH   SOLE NONE 6,596 0 0
NEXTERA ENERGY COM 65339F101   161,672 2,822 SH   DFND NONE 22 0 2,800
NEXTERA ENERGY COM 65339F101   313,663 5,475 SH   SOLE NONE 5,475 0 0
NIKE INC CL B 654106103   1,912 20 SH   DFND NONE 20 0 0
NIKE INC CL B 654106103   570,373 5,965 SH   SOLE NONE 5,965 0 0
NVIDIA Corp COM 67066G104   5,655 13 SH   DFND NONE 13 0 0
NVIDIA Corp COM 67066G104   1,104,440 2,539 SH   SOLE NONE 2,539 0 0
Norfolk Southern Corp COM 655844108   1,575 8 SH   DFND NONE 8 0 0
Norfolk Southern Corp COM 655844108   455,105 2,311 SH   SOLE NONE 2,311 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   3,707,054 91,668 SH   SOLE NONE 91,668 0 0
ORACLE CORP COM 68389X105   1,589 15 SH   DFND NONE 15 0 0
ORACLE CORP COM 68389X105   385,867 3,643 SH   SOLE NONE 3,643 0 0
Palo Alto Networks Inc COM 697435105   2,110 9 SH   DFND NONE 9 0 0
Palo Alto Networks Inc COM 697435105   464,660 1,982 SH   SOLE NONE 1,982 0 0
Pfizer Inc COM 717081103   1,493 45 SH   DFND NONE 45 0 0
Pfizer Inc COM 717081103   377,873 11,392 SH   SOLE NONE 11,392 0 0
Procter & Gamble Co/The COM 742718109   787,644 5,400 SH   DFND NONE 10 0 5,390
Procter & Gamble Co/The COM 742718109   386,529 2,650 SH   SOLE NONE 2,650 0 0
S&P Global Inc COM 78409V104   621,197 1,700 SH   DFND NONE 0 0 1,700
SALESFORCE.COM INC COM 79466L302   2,231 11 SH   DFND NONE 11 0 0
SALESFORCE.COM INC COM 79466L302   653,154 3,221 SH   SOLE NONE 3,221 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749   1,086,293 28,437 SH   SOLE NONE 28,437 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   215,644 1,875 SH   SOLE NONE 1,875 0 0
STARBUCKS CORP COM 855244109   237,302 2,600 SH   DFND NONE 1,000 0 1,600
Schlumberger NV COM STK 806857108   2,332 40 SH   DFND NONE 40 0 0
Schlumberger NV COM STK 806857108   667,477 11,449 SH   SOLE NONE 11,449 0 0
Shell PLC SPON ADS 780259305   1,249,551 19,409 SH   DFND NONE 0 0 19,409
Shell PLC SPON ADS 780259305   11,331 176 SH   SOLE NONE 176 0 0
TJX Cos Inc/The COM 872540109   1,778 20 SH   DFND NONE 20 0 0
TJX Cos Inc/The COM 872540109   446,800 5,027 SH   SOLE NONE 5,027 0 0
Tesla Inc COM 88160R101   399,351 1,596 SH   DFND NONE 1,596 0 0
Truist Financial Corp COM 89832Q109   1,574 55 SH   DFND NONE 55 0 0
Truist Financial Corp COM 89832Q109   433,413 15,149 SH   SOLE NONE 15,149 0 0
Unilever PLC SPON ADR NEW 904767704   756,956 15,323 SH   DFND NONE 0 0 15,323
Unilever PLC SPON ADR NEW 904767704   9,682 196 SH   SOLE NONE 196 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   44,680 945 SH   DFND NONE 945 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   4,300,920 90,967 SH   SOLE NONE 90,967 0 0
WW Grainger Inc COM 384802104   2,076 3 SH   DFND NONE 3 0 0
WW Grainger Inc COM 384802104   428,249 619 SH   SOLE NONE 619 0 0
ZIMMER HLDGS INC COM 98956P102   1,459 13 SH   DFND NONE 13 0 0
ZIMMER HLDGS INC COM 98956P102   433,281 3,861 SH   SOLE NONE 3,861 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   7,558 190 SH   DFND NONE 190 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   2,451,999 61,639 SH   SOLE NONE 61,639 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   48,085 525 SH   DFND NONE 525 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   3,967,954 43,323 SH   SOLE NONE 43,323 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   32,251 285 SH   DFND NONE 285 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   2,960,266 26,160 SH   SOLE NONE 26,160 0 0