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
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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
Abbott Laboratories Common Stock 002824100 309 3,382 SH   DFND 1,2,6,7 0 1,171 2,211
Amazon.com Inc Common Stock 023135106 5,228 1,895 SH   DFND 1,2,3,6 0 1,751 144
American Express Co Common Stock 025816109 204 2,145 SH   DFND 1 0 463 1,682
Amgen Inc Common Stock 031162100 292 1,239 SH   DFND 1 0 289 950
Analog Devices Inc Common Stock 032654105 216 1,764 SH   DFND 6 0 60 1,704
Apple Inc Common Stock 037833100 3,067 8,408 SH   DFND 1,2,6,7 0 1,084 7,324
Becton, Dickinson and Co Common Stock 075887109 237 990 SH   DFND 6 0 49 941
Berkshire Hathaway Inc A Common Stock 084670108 267 1 SH   DFND 4 0 1 0
Berkshire Hathaway Inc B Common Stock 084670702 1,479 8,283 SH   DFND 4,6 0 1,826 6,457
Bright Horizons Family Solutions Inc Common Stock 109194100 1,078 9,200 SH   DFND 6 0 50 9,150
Colgate-Palmolive Co Common Stock 194162103 230 3,144 SH   DFND 2,6 0 117 3,027
Walt Disney Co Common Stock 254687106 821 7,367 SH   DFND 2,3,6 0 778 6,589
eBay Inc Common Stock 278642103 314 5,985 SH   DFND 6 0 235 5,750
The Home Depot Inc Common Stock 437076102 457 1,826 SH   DFND 1,6 0 392 1,434
Honeywell International Inc Common Stock 438516106 206 1,426 SH   DFND 6 0 103 1,323
Intel Corp Common Stock 458140100 215 3,593 SH   DFND 1,6,7 0 2,033 1,560
iShares Gold Trust Exchange Traded Fund 464285105 1,283 75,500 SH   SOLE   0 0 75,500
iShares Core S&P 500 Exchange Traded Fund 464287200 22,676 73,220 SH   SOLE   0 0 73,220
iShares Core US Aggregate Bond Exchange Traded Fund 464287226 958 8,100 SH   SOLE   0 0 8,100
iShares MSCI EAFE Exchange Traded Fund 464287465 1,467 24,100 SH   SOLE   0 0 24,100
iShares Russell 1000 Value Exchange Traded Fund 464287598 1,943 17,254 SH   SOLE   0 0 17,254
iShares Russell 1000 Growth Exchange Traded Fund 464287614 1,505 7,838 SH   SOLE   0 0 7,838
iShares Russell 2000 Exchange Traded Fund 464287655 779 5,444 SH   SOLE   0 0 5,444
iShares Russell 3000 Exchange Traded Fund 464287689 1,376 7,642 SH   SOLE   0 0 7,642
iShares International Select Dividend Exchange Traded Fund 464288448 3,316 131,993 SH   SOLE   0 0 131,993
iShares US Medical Devices Exchange Traded Fund 464288810 291 1,100 SH   SOLE   0 0 1,100
Johnson & Johnson Common Stock 478160104 314 2,235 SH   DFND 2,6 0 561 1,674
Microsoft Corp Common Stock 594918104 1,214 5,963 SH   DFND 1,2,6,7 0 2,024 3,939
Morgan Stanley Common Stock 617446448 246 5,093 SH   DFND 1,6 0 1,093 4,000
PepsiCo Inc Common Stock 713448108 264 1,994 SH   DFND 1,2,3,6 0 902 1,092
Philip Morris International Inc Common Stock 718172109 293 4,180 SH   DFND 4,6 0 3,659 521
Procter & Gamble Co Common Stock 742718109 204 1,710 SH   DFND 6 0 358 1,352
Schwab International Equity ETF Exchange Traded Fund 808524805 1,360 45,707 SH   SOLE   0 0 45,707
Schwab US TIPS ETF Exchange Traded Fund 808524870 495 8,250 SH   SOLE   0 0 8,250
Sprott Inc Common Stock 852066208 535 14,823 SH   SOLE   0 0 14,823
Texas Instruments Inc Common Stock 882508104 231 1,819 SH   DFND 6 0 178 1,641
Texas Pacific Land Trust Common Stock 882610108 2,605 4,381 SH   SOLE   0 0 4,381
Thermo Fisher Scientific Inc Common Stock 883556102 232 639 SH   DFND 1,2,6 0 236 403
Unilever NV Common Stock 904784709 263 4,945 SH   DFND 4 0 4,945 0
Vanguard Total World Stock ETF Exchange Traded Fund 922042742 209 2,796 SH   SOLE   0 0 2,796
Vanguard 500 ETF Exchange Traded Fund 922908363 254 897 SH   SOLE   0 0 897
Vanguard Large-Cap ETF Exchange Traded Fund 922908637 2,954 20,654 SH   SOLE   0 0 20,654
Vanguard Growth ETF Exchange Traded Fund 922908736 206 1,019 SH   SOLE   0 0 1,019
Vanguard Value ETF Exchange Traded Fund 922908744 5,192 52,134 SH   SOLE   0 0 52,134
Vanguard Total Stock Market ETF Exchange Traded Fund 922908769 8,288 52,948 SH   SOLE   0 0 52,948
ARK Innovation ETF Exchange Traded Fund 00214Q104 13,951 195,633 SH   SOLE   0 0 195,633
Alphabet Inc C Common Stock 02079K107 1,392 985 SH   DFND 2,4,6 0 234 751
Alphabet Inc A Common Stock 02079K305 357 252 SH   DFND 1,2,6,7 0 144 108
American Tower Corp Common Stock 03027X100 308 1,190 SH   DFND 1,6 0 161 1,029
Comcast Corp Class A Common Stock 20030N101 230 5,903 SH   DFND 1,4,6 0 3,823 2,080
Exxon Mobil Corp Common Stock 30231G102 301 6,731 SH   DFND 6 0 312 6,419
Facebook Inc A Common Stock 30303M102 289 1,272 SH   DFND 1,2,6 0 631 641
First Trust Value Line Dividend ETF Exchange Traded Fund 33734H106 355 11,724 SH   SOLE   0 0 11,724
First Trust Dow Jones Global Sel Div ETF Exchange Traded Fund 33734X200 436 24,256 SH   SOLE   0 0 24,256
First Trust Senior Loan ETF Exchange Traded Fund 33738D309 735 16,300 SH   SOLE   0 0 16,300
First Trust Preferred Sec & Inc ETF Exchange Traded Fund 33739E108 184 10,000 SH   SOLE   0 0 10,000
FT CBOE VEST US EQUITY BUFF ETF Exchange Traded Fund 33740F847 4,010 130,618 SH   SOLE   0 0 130,618
FS KKR CAPITAL CORP. II Common Stock 35952V303 511 39,679 SH   SOLE   0 0 39,679
Invesco QQQ Trust Exchange Traded Fund 46090E103 5,529 22,329 SH   SOLE   0 0 22,329
iShares Edge MSCI Min Vol USA Exchange Traded Fund 46429B697 556 9,170 SH   SOLE   0 0 9,170
iShares Core Dividend Growth ETF Exchange Traded Fund 46434V621 818 21,746 SH   SOLE   0 0 21,746
JPMorgan Chase & Co Common Stock 46625H100 331 3,516 SH   DFND 1,2,4,6 0 2,816 700
Mastercard Inc A Common Stock 57636Q104 807 2,730 SH   DFND 1,4,6,7 0 2,730 0
Merck & Co Inc Common Stock 58933Y105 211 2,734 SH   DFND 1,6 0 927 1,807
Mongodb Inc Cl A Common Stock 60937P106 702 3,100 SH   SOLE   0 0 3,100
Netflix Inc Common Stock 64110L106 823 1,809 SH   DFND 3,6 0 151 1,658
NVIDIA Corp Common Stock 67066G104 1,710 4,500 SH   DFND 6 0 100 4,400
PIMCO Enhanced Short Maturity Active ETF Exchange Traded Fund 72201R833 954 9,380 SH   SOLE   0 0 9,380
SPDR S&P 500 ETF Exchange Traded Fund 78462F103 511 1,657 SH   SOLE   0 0 1,657
SPDR Gold Shares Exchange Traded Fund 78463V107 4,156 24,830 SH   SOLE   0 0 24,830
SPDR S&P Dividend ETF Exchange Traded Fund 78464A763 1,657 18,172 SH   SOLE   0 0 18,172
Select Sector Spdr Trust The Health Care Select Sector Spdr Fund Exchange Traded Fund 81369Y209 217 2,171 SH   SOLE   0 0 2,171
Consumer Staples Select Sector SPDR ETF Exchange Traded Fund 81369Y308 410 7,000 SH   SOLE   0 0 7,000
Shopify Inc Common Stock 82509L107 2,968 3,127 SH   SOLE   0 0 3,127
Sleep Number Corp Common Stock 83125X103 1,442 34,630 SH   SOLE   0 0 34,630
Tesla Motors Inc Common Stock 88160R101 1,045 968 SH   DFND 6 0 21 947
The Trade Desk Inc Com Cl A Common Stock 88339J105 244 600 SH   SOLE   0 0 600
Vanguard Consumer Discretionary ETF Exchange Traded Fund 92204A108 353 1,767 SH   SOLE   0 0 1,767
Vanguard Information Technology ETF Exchange Traded Fund 92204A702 227 813 SH   SOLE   0 0 813
Vanguard Intermediate-Term Corp Bd ETF Exchange Traded Fund 92206C870 1,079 11,342 SH   SOLE   0 0 11,342
Visa Inc Class A Common Stock 92826C839 257 1,332 SH   DFND 1,2,6,7 0 769 563