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   6,985 50 SH   DFND NONE 50 0 0
ALPHABET INC CAP STK CL A 02079K305   2,090,880 14,968 SH   SOLE NONE 14,968 0 0
ANALOG DEVICES INC COM 032654105   1,986 10 SH   DFND NONE 10 0 0
ANALOG DEVICES INC COM 032654105   591,510 2,979 SH   SOLE NONE 2,979 0 0
AT&T INC COM 00206R102   51,263 3,055 SH   DFND NONE 55 0 3,000
AT&T INC COM 00206R102   229,953 13,704 SH   SOLE NONE 13,704 0 0
Abbott Laboratories COM 002824100   2,532 23 SH   DFND NONE 23 0 0
Abbott Laboratories COM 002824100   694,762 6,312 SH   SOLE NONE 6,312 0 0
Adobe Inc COM 00724F101   1,790 3 SH   DFND NONE 3 0 0
Adobe Inc COM 00724F101   491,002 823 SH   SOLE NONE 823 0 0
Alphabet Inc CAP STK CL C 02079K107   227,602 1,615 SH   DFND NONE 1,615 0 0
Alphabet Inc CAP STK CL C 02079K107   8,456 60 SH   SOLE NONE 60 0 0
Amazon.com Inc COM 023135106   338,218 2,226 SH   DFND NONE 2,226 0 0
Amazon.com Inc COM 023135106   1,455,585 9,580 SH   SOLE NONE 9,580 0 0
American Tower Corp COM 03027X100   2,159 10 SH   DFND NONE 10 0 0
American Tower Corp COM 03027X100   593,238 2,748 SH   SOLE NONE 2,748 0 0
Apple Inc COM 037833100   590,297 3,066 SH   DFND NONE 3,066 0 0
Apple Inc COM 037833100   2,486,525 12,915 SH   SOLE NONE 12,915 0 0
BECTON DICKINSON COM 075887109   1,219 5 SH   DFND NONE 5 0 0
BECTON DICKINSON COM 075887109   327,708 1,344 SH   SOLE NONE 1,344 0 0
BOEING CO COM 097023105   1,043 4 SH   DFND NONE 4 0 0
BOEING CO COM 097023105   321,394 1,233 SH   SOLE NONE 1,233 0 0
BRISTOL-MYRS SQUIB COM 110122108   1,026 20 SH   DFND NONE 20 0 0
BRISTOL-MYRS SQUIB COM 110122108   295,751 5,764 SH   SOLE NONE 5,764 0 0
Bath & Body Works Inc COM 070830104   1,511 35 SH   DFND NONE 35 0 0
Bath & Body Works Inc COM 070830104   465,135 10,777 SH   SOLE NONE 10,777 0 0
Biogen Inc COM 09062X103   182,433 705 SH   DFND NONE 5 0 700
Biogen Inc COM 09062X103   367,712 1,421 SH   SOLE NONE 1,421 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   7,773 100 SH   DFND NONE 100 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   2,573,951 33,114 SH   SOLE NONE 33,114 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372   1,302,673 27,687 SH   SOLE NONE 27,687 0 0
BlackRock Fund Advisors MBS ETF 464288588   44,218 470 SH   DFND NONE 470 0 0
BlackRock Fund Advisors MBS ETF 464288588   3,083,096 32,771 SH   SOLE NONE 32,771 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   149,500 2,875 SH   DFND NONE 2,875 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   8,103,212 155,831 SH   SOLE NONE 155,831 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   77,682 1,515 SH   DFND NONE 1,515 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   6,914,485 134,851 SH   SOLE NONE 134,851 0 0
BlackRock Fund Advisors 10+ YR INVST GRD 464289511   23,184 440 SH   DFND NONE 440 0 0
BlackRock Fund Advisors 10+ YR INVST GRD 464289511   1,455,561 27,625 SH   SOLE NONE 27,625 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   13,790 215 SH   DFND NONE 215 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   4,286,861 66,836 SH   SOLE NONE 66,836 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   36,313 660 SH   DFND NONE 660 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   11,272,167 204,874 SH   SOLE NONE 204,874 0 0
BlackRock Inc COM 09247X101   1,624 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101   346,639 427 SH   SOLE NONE 427 0 0
Blackstone Inc COM 09260D107   1,702 13 SH   DFND NONE 13 0 0
Blackstone Inc COM 09260D107   511,243 3,905 SH   SOLE NONE 3,905 0 0
CDW Corp/DE COM 12514G108   1,591 7 SH   DFND NONE 7 0 0
CDW Corp/DE COM 12514G108   460,550 2,026 SH   SOLE NONE 2,026 0 0
CISCO SYSTEMS COM 17275R102   2,071 41 SH   DFND NONE 41 0 0
CISCO SYSTEMS COM 17275R102   494,086 9,780 SH   SOLE NONE 9,780 0 0
COLGATE-PALMOLIVE COM 194162103   484,159 6,074 SH   DFND NONE 0 0 6,074
CVS Health Corp COM 126650100   2,369 30 SH   DFND NONE 30 0 0
CVS Health Corp COM 126650100   625,600 7,923 SH   SOLE NONE 7,923 0 0
Cencora Inc COM 03073E105   1,643 8 SH   DFND NONE 8 0 0
Cencora Inc COM 03073E105   464,775 2,263 SH   SOLE NONE 2,263 0 0
Charles Schwab Corp/The COM 808513105   1,032 15 SH   DFND NONE 15 0 0
Charles Schwab Corp/The COM 808513105   292,538 4,252 SH   SOLE NONE 4,252 0 0
Chevron Corp COM 166764100   895 6 SH   DFND NONE 6 0 0
Chevron Corp COM 166764100   289,370 1,940 SH   SOLE NONE 1,940 0 0
Chipotle Mexican Grill Inc COM 169656105   2,287 1 SH   DFND NONE 1 0 0
Chipotle Mexican Grill Inc COM 169656105   738,688 323 SH   SOLE NONE 323 0 0
Coca-Cola Co/The COM 191216100   7,956 135 SH   DFND NONE 135 0 0
Coca-Cola Co/The COM 191216100   497,310 8,439 SH   SOLE NONE 8,439 0 0
Comcast Corp CL A 20030N101   1,754 40 SH   DFND NONE 40 0 0
Comcast Corp CL A 20030N101   476,430 10,865 SH   SOLE NONE 10,865 0 0
Costco Wholesale Corp COM 22160K105   3,300 5 SH   DFND NONE 5 0 0
Costco Wholesale Corp COM 22160K105   980,219 1,485 SH   SOLE NONE 1,485 0 0
DuPont de Nemours Inc COM 26614N102   923 12 SH   DFND NONE 12 0 0
DuPont de Nemours Inc COM 26614N102   266,793 3,468 SH   SOLE NONE 3,468 0 0
EOG Resources Inc COM 26875P101   1,210 10 SH   DFND NONE 10 0 0
EOG Resources Inc COM 26875P101   304,310 2,516 SH   SOLE NONE 2,516 0 0
ESTEE LAUDER COS CL A 518439104   1,170 8 SH   DFND NONE 8 0 0
ESTEE LAUDER COS CL A 518439104   304,931 2,085 SH   SOLE NONE 2,085 0 0
Exxon Mobil Corp COM 30231G102   296,541 2,966 SH   DFND NONE 14 0 2,952
Exxon Mobil Corp COM 30231G102   547,490 5,476 SH   SOLE NONE 5,476 0 0
FACEBOOK INC CL A 30303M102   3,540 10 SH   DFND NONE 10 0 0
FACEBOOK INC CL A 30303M102   952,506 2,691 SH   SOLE NONE 2,691 0 0
FREEPORT-MCMOR C&G CL B 35671D857   724 17 SH   DFND NONE 17 0 0
FREEPORT-MCMOR C&G CL B 35671D857   223,578 5,252 SH   SOLE NONE 5,252 0 0
GEN DYNAMICS CORP COM 369550108   28,044 108 SH   DFND NONE 8 0 100
GEN DYNAMICS CORP COM 369550108   548,942 2,114 SH   SOLE NONE 2,114 0 0
GSK PLC SPONSORED ADR 37733W204   1,668 45 SH   DFND NONE 45 0 0
GSK PLC SPONSORED ADR 37733W204   473,256 12,770 SH   SOLE NONE 12,770 0 0
HALLIBURTON COM 406216101   1,265 35 SH   DFND NONE 35 0 0
HALLIBURTON COM 406216101   296,213 8,194 SH   SOLE NONE 8,194 0 0
Home Depot Inc/The COM 437076102   71,043 205 SH   DFND NONE 5 0 200
Home Depot Inc/The COM 437076102   535,073 1,544 SH   SOLE NONE 1,544 0 0
Honeywell International Inc COM 438516106   2,097 10 SH   DFND NONE 10 0 0
Honeywell International Inc COM 438516106   644,019 3,071 SH   SOLE NONE 3,071 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   2,055 16 SH   DFND NONE 16 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   637,783 4,966 SH   SOLE NONE 4,966 0 0
INTL BUSINESS MCHN COM 459200101   34,673 212 SH   DFND NONE 12 0 200
INTL BUSINESS MCHN COM 459200101   643,733 3,936 SH   SOLE NONE 3,936 0 0
ISHARES CORE S&P500 ETF 464287200   7,164 15 SH   DFND NONE 15 0 0
ISHARES CORE S&P500 ETF 464287200   13,469,166 28,200 SH   SOLE NONE 28,200 0 0
ISHARES RUSSELL 2000 ETF 464287655   4,616 23 SH   DFND NONE 23 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,551,087 7,728 SH   SOLE NONE 7,728 0 0
ISHARES NEW YORK MUN ETF 464288323   1,469,355 27,165 SH   SOLE NONE 27,165 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   27,544 685 SH   DFND NONE 685 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   7,787,993 193,683 SH   SOLE NONE 193,683 0 0
JPMorgan Chase & Co COM 46625H100   89,303 525 SH   DFND NONE 25 0 500
JPMorgan Chase & Co COM 46625H100   1,293,100 7,602 SH   SOLE NONE 7,602 0 0
KRAFT FOODS INC CL A 609207105   2,535 35 SH   DFND NONE 35 0 0
KRAFT FOODS INC CL A 609207105   711,045 9,817 SH   SOLE NONE 9,817 0 0
MARSH & MCLENNAN COM 571748102   1,326 7 SH   DFND NONE 7 0 0
MARSH & MCLENNAN COM 571748102   398,455 2,103 SH   SOLE NONE 2,103 0 0
MASTERCARD INC CL A 57636Q104   4,265 10 SH   DFND NONE 10 0 0
MASTERCARD INC CL A 57636Q104   1,212,994 2,844 SH   SOLE NONE 2,844 0 0
MCDONALD'S CORP COM 580135101   1,483 5 SH   DFND NONE 5 0 0
MCDONALD'S CORP COM 580135101   450,102 1,518 SH   SOLE NONE 1,518 0 0
MICROSOFT CORP COM 594918104   45,877 122 SH   DFND NONE 122 0 0
MICROSOFT CORP COM 594918104   3,062,094 8,143 SH   SOLE NONE 8,143 0 0
Masco Corp COM 574599106   1,675 25 SH   DFND NONE 25 0 0
Masco Corp COM 574599106   424,787 6,342 SH   SOLE NONE 6,342 0 0
Microchip Technology Inc COM 595017104   1,353 15 SH   DFND NONE 15 0 0
Microchip Technology Inc COM 595017104   381,011 4,225 SH   SOLE NONE 4,225 0 0
NEXTERA ENERGY COM 65339F101   171,408 2,822 SH   DFND NONE 22 0 2,800
NEXTERA ENERGY COM 65339F101   318,703 5,247 SH   SOLE NONE 5,247 0 0
NIKE INC CL B 654106103   2,171 20 SH   DFND NONE 20 0 0
NIKE INC CL B 654106103   598,438 5,512 SH   SOLE NONE 5,512 0 0
NVIDIA Corp COM 67066G104   4,952 10 SH   DFND NONE 10 0 0
NVIDIA Corp COM 67066G104   1,517,354 3,064 SH   SOLE NONE 3,064 0 0
Norfolk Southern Corp COM 655844108   1,891 8 SH   DFND NONE 8 0 0
Norfolk Southern Corp COM 655844108   557,620 2,359 SH   SOLE NONE 2,359 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   2,931,611 71,590 SH   SOLE NONE 71,590 0 0
ORACLE CORP COM 68389X105   2,109 20 SH   DFND NONE 20 0 0
ORACLE CORP COM 68389X105   603,798 5,727 SH   SOLE NONE 5,727 0 0
Palo Alto Networks Inc COM 697435105   885 3 SH   DFND NONE 3 0 0
Palo Alto Networks Inc COM 697435105   280,726 952 SH   SOLE NONE 952 0 0
Pfizer Inc COM 717081103   1,296 45 SH   DFND NONE 45 0 0
Pfizer Inc COM 717081103   320,951 11,148 SH   SOLE NONE 11,148 0 0
Procter & Gamble Co/The COM 742718109   791,316 5,400 SH   DFND NONE 10 0 5,390
Procter & Gamble Co/The COM 742718109   386,133 2,635 SH   SOLE NONE 2,635 0 0
S&P Global Inc COM 78409V104   748,884 1,700 SH   DFND NONE 0 0 1,700
SALESFORCE.COM INC COM 79466L302   2,105 8 SH   DFND NONE 8 0 0
SALESFORCE.COM INC COM 79466L302   635,220 2,414 SH   SOLE NONE 2,414 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749   1,211,292 27,712 SH   SOLE NONE 27,712 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   234,319 1,875 SH   SOLE NONE 1,875 0 0
STARBUCKS CORP COM 855244109   230,424 2,400 SH   DFND NONE 800 0 1,600
Schlumberger NV COM STK 806857108   2,082 40 SH   DFND NONE 40 0 0
Schlumberger NV COM STK 806857108   582,900 11,201 SH   SOLE NONE 11,201 0 0
Shell PLC SPON ADS 780259305   1,277,112 19,409 SH   DFND NONE 0 0 19,409
Shell PLC SPON ADS 780259305   8,554 130 SH   SOLE NONE 130 0 0
TJX Cos Inc/The COM 872540109   1,876 20 SH   DFND NONE 20 0 0
TJX Cos Inc/The COM 872540109   457,699 4,879 SH   SOLE NONE 4,879 0 0
Tesla Inc COM 88160R101   396,574 1,596 SH   DFND NONE 1,596 0 0
Truist Financial Corp COM 89832Q109   2,031 55 SH   DFND NONE 55 0 0
Truist Financial Corp COM 89832Q109   547,450 14,828 SH   SOLE NONE 14,828 0 0
Unilever PLC SPON ADR NEW 904767704   742,859 15,323 SH   DFND NONE 0 0 15,323
Unilever PLC SPON ADR NEW 904767704   9,502 196 SH   SOLE NONE 196 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   44,878 945 SH   DFND NONE 945 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   4,074,215 85,791 SH   SOLE NONE 85,791 0 0
WW Grainger Inc COM 384802104   1,657 2 SH   DFND NONE 2 0 0
WW Grainger Inc COM 384802104   497,214 600 SH   SOLE NONE 600 0 0
Walt Disney Co/The COM 254687106   25,191 279 SH   DFND NONE 13 0 266
Walt Disney Co/The COM 254687106   326,669 3,618 SH   SOLE NONE 3,618 0 0
ZIMMER HLDGS INC COM 98956P102   1,582 13 SH   DFND NONE 13 0 0
ZIMMER HLDGS INC COM 98956P102   463,312 3,807 SH   SOLE NONE 3,807 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   8,465 195 SH   DFND NONE 195 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   2,553,246 58,817 SH   SOLE NONE 58,817 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   55,906 580 SH   DFND NONE 580 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   4,012,330 41,626 SH   SOLE NONE 41,626 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   35,139 300 SH   DFND NONE 300 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   2,927,079 24,990 SH   SOLE NONE 24,990 0 0