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
3M Co COM 88579y101 187 1,372 SH   SOLE   0 0 1,372
3M Co COM 88579y101 41 300 SH   DFND 3 0 0 300
Abbott Laboratories COM 002824100 665 8,433 SH   SOLE   0 0 8,433
AbbVie Inc COM 00287y109 930 12,202 SH   SOLE   0 0 12,202
AbbVie Inc COM 00287y109 23 300 SH   DFND 3 0 0 300
Adobe Inc COM 00724f101 2,205 6,928 SH   SOLE   562 0 6,366
Aflac Inc COM 001055102 201 5,866 SH   SOLE   5,400 0 466
Air Prods & Chems Inc COM 009158106 1,087 5,447 SH   SOLE   80 0 5,367
Aldeyra Therapeutics Inc COM 01438t106 30 11,964 SH   SOLE   0 0 11,964
Alibaba Group Holding Ltd Sp A COM 01609w102 3,119 16,038 SH   SOLE   705 0 15,333
Allstate Corp COM 020002101 1,076 11,730 SH   SOLE   2,140 0 9,590
Alphabet Inc Cap Stock Cl A COM 02079k305 6,169 5,309 SH   SOLE   407 0 4,902
Alphabet Inc Cap Stock Cl A COM 02079k305 31 27 SH   DFND 2 0 0 27
Alphabet Inc Cap Stock Cl C COM 02079k107 4,712 4,052 SH   SOLE   189 0 3,863
Alphabet Inc Cap Stock Cl C COM 02079k107 8 7 SH   DFND 2 0 0 7
Alteryx Inc Cl A COM 02156b103 1,447 15,200 SH   SOLE   0 0 15,200
Amazon.com Inc COM 023135106 7,272 3,730 SH   SOLE   250 0 3,480
Amazon.com Inc COM 023135106 58 30 SH   DFND 2 0 0 30
American Express Co COM 025816109 240 2,804 SH   SOLE   1,640 0 1,164
American Express Co COM 025816109 37 436 SH   DFND 2 0 0 436
Amgen Inc COM 031162100 523 2,578 SH   SOLE   0 0 2,578
Amgen Inc COM 031162100 28 137 SH   DFND 2 0 0 137
Amphenol Corp Cl A COM 032095101 4,129 56,655 SH   SOLE   0 0 56,655
Apple Inc COM 037833100 16,180 63,629 SH   SOLE   3,550 0 60,079
Apple Inc COM 037833100 53 207 SH   DFND 2 0 0 207
Ares Capital Corp COM 04010l103 3,519 326,435 SH   SOLE   0 0 326,435
Ashland Global Holdings Inc COM 044186104 418 8,340 SH   SOLE   0 0 8,340
AT&T Inc COM 00206r102 1,414 48,504 SH   SOLE   8,859 0 39,645
AT&T Inc COM 00206r102 27 920 SH   DFND 2 0 0 920
Automatic Data Processing Inc COM 053015103 1,328 9,715 SH   SOLE   0 0 9,715
Baidu Inc Sp ADR A COM 056752108 323 3,200 SH   SOLE   0 0 3,200
Bank America Corp COM 060505104 1,134 53,433 SH   SOLE   8,179 0 45,254
Bank America Corp COM 060505104 28 1,337 SH   DFND 2 0 0 1,337
Becton Dickinson & Co COM 075887109 442 1,922 SH   SOLE   1,279 0 643
Berkshire Hathaway Inc Cl B COM 084670702 1,290 7,056 SH   SOLE   0 0 7,056
BlackRock Inc COM 09247x101 1,686 3,832 SH   SOLE   130 0 3,702
BlackRock Inc COM 09247x101 12 28 SH   DFND 2 0 0 28
Blackstone REIT Inc Cl D COM 09259k302 505 44,778 SH   SOLE   0 0 44,778
Booking Holdings Inc COM 09857l108 323 240 SH   SOLE   0 0 240
Bristol-Myers Squibb Co COM 110122108 295 5,298 SH   SOLE   1,647 0 3,651
Bristol-Myers Squibb Co COM 110122108 17 311 SH   DFND 2 0 0 311
Century Bancorp Inc MA Cl A No COM 156432106 702 11,284 SH   SOLE   0 0 11,284
Chevron Corp COM 166764100 1,136 15,680 SH   SOLE   400 0 15,280
Chevron Corp COM 166764100 23 319 SH   DFND 2 0 0 319
Cisco Systems Inc COM 17275r102 558 14,183 SH   SOLE   0 0 14,183
Cisco Systems Inc COM 17275r102 86 2,200 SH   DFND 3 0 0 2,200
Cisco Systems Inc COM 17275r102 34 858 SH   DFND 2 0 0 858
Coca-Cola Co COM 191216100 176 3,974 SH   SOLE   0 0 3,974
Coca-Cola Co COM 191216100 27 600 SH   DFND 3 0 0 600
Coca-Cola Co COM 191216100 12 260 SH   DFND 2 0 0 260
Comcast Corp Cl A COM 20030n101 388 11,287 SH   SOLE   725 0 10,562
Consolidated Water Co Inc COM g23773107 348 21,237 SH   SOLE   0 0 21,237
Costco Wholesale Corp COM 22160k105 4,686 16,436 SH   SOLE   672 0 15,764
Crowdstrike Holdings Inc Cl A COM 22788c105 1,062 19,080 SH   SOLE   0 0 19,080
CSX Corp COM 126408103 379 6,609 SH   SOLE   0 0 6,609
CVS Health Corp COM 126650100 481 8,107 SH   SOLE   125 0 7,982
CVS Health Corp COM 126650100 13 211 SH   DFND 2 0 0 211
Danaher Corp COM 235851102 1,133 8,186 SH   SOLE   1,246 0 6,940
Danaher Corp COM 235851102 24 175 SH   DFND 2 0 0 175
Datadog Inc Cl A COM 23804l103 844 23,450 SH   SOLE   0 0 23,450
Disney Walt Co Disney COM 254687106 3,018 31,240 SH   SOLE   0 0 31,240
Disney Walt Co Disney COM 254687106 23 242 SH   DFND 2 0 0 242
Ecolab Inc COM 278865100 559 3,587 SH   SOLE   1,138 0 2,449
Elastic NV Ord COM n14506104 318 5,700 SH   SOLE   0 0 5,700
Empire State Realty OP LP COM 292102100 153 17,206 SH   SOLE   0 0 17,206
Empire State Realty Trust Inc COM 292104106 195 21,797 SH   SOLE   0 0 21,797
Exelon Corp COM 30161n101 231 6,276 SH   SOLE   0 0 6,276
Exelon Corp COM 30161n101 15 400 SH   DFND 3 0 0 400
Expeditors Intl Wash Inc COM 302130109 457 6,845 SH   SOLE   0 0 6,845
Exxon Mobil Corp COM 30231g102 677 17,824 SH   SOLE   5,025 0 12,799
Exxon Mobil Corp COM 30231g102 15 400 SH   DFND 3 0 0 400
Facebook Inc Cl A COM 30303m102 1,229 7,367 SH   SOLE   363 0 7,004
Facebook Inc Cl A COM 30303m102 21 123 SH   DFND 2 0 0 123
Facebook Inc Cl A COM 30303m102 133 800 SH Call SOLE   0 0 800
Fashion Hse Holding Inc COM 31185p106 0 50,000 SH   SOLE   0 0 50,000
FedEx Corp COM 31428x106 1,738 14,335 SH   SOLE   625 0 13,710
FedEx Corp COM 31428x106 17 139 SH   DFND 2 0 0 139
Flexshopper Inc COM 33939j303 69 54,000 SH   SOLE   0 0 54,000
Gallagher Arthur J & Co COM 363576109 222 2,720 SH   SOLE   2,405 0 315
General Electric Co COM 369604103 186 23,376 SH   SOLE   5,025 0 18,351
Grayscale Bitcoin Tr Btc COM 389637109 285 40,000 SH   SOLE   0 0 40,000
Heico Corp COM 422806109 1,191 15,960 SH   SOLE   150 0 15,810
Hershey Co COM 427866108 1,594 12,027 SH   SOLE   75 0 11,952
Hershey Co COM 427866108 31 233 SH   DFND 2 0 0 233
Home Depot Inc COM 437076102 2,576 13,796 SH   SOLE   1,588 0 12,208
Home Depot Inc COM 437076102 33 179 SH   DFND 2 0 0 179
Home Depot Inc COM 437076102 473 2,532 SH   DFND 3 0 0 2,532
Honeywell Intl Inc COM 438516106 2,676 19,998 SH   SOLE   2,085 0 17,913
Honeywell Intl Inc COM 438516106 26 193 SH   DFND 2 0 0 193
IIVI Inc COM 902104108 1,348 47,295 SH   SOLE   500 0 46,795
Intel Corp COM 458140100 731 13,500 SH   SOLE   0 0 13,500
Intel Corp COM 458140100 43 794 SH   DFND 2 0 0 794
International Paper Co COM 460146103 191 6,146 SH   SOLE   0 0 6,146
International Paper Co COM 460146103 12 379 SH   DFND 2 0 0 379
Johnson & Johnson COM 478160104 2,582 19,691 SH   SOLE   600 0 19,091
Johnson & Johnson COM 478160104 79 600 SH   DFND 3 0 0 600
Johnson & Johnson COM 478160104 30 226 SH   DFND 2 0 0 226
Jones Lang LaSalle Inc Propert COM 48021r401 301 24,770 SH   SOLE   0 0 24,770
JPMorgan Chase & Co COM 46625h100 3,158 35,077 SH   SOLE   5,427 0 29,650
JPMorgan Chase & Co COM 46625h100 16 181 SH   DFND 2 0 0 181
Kushco Holdings Inc COM 50133s103 14 20,879 SH   SOLE   0 0 20,879
Lilly Eli & Co COM 532457108 864 6,230 SH   SOLE   0 0 6,230
Lockheed Martin Corp COM 539830109 1,378 4,066 SH   SOLE   675 0 3,391
Lockheed Martin Corp COM 539830109 30 88 SH   DFND 2 0 0 88
M & T Bank Corp COM 55261f104 2,119 20,492 SH   SOLE   0 0 20,492
MasterCard Incorporated Cl A COM 57636q104 1,891 7,827 SH   SOLE   1,164 0 6,663
McDonalds Corp COM 580135101 736 4,450 SH   SOLE   1,428 0 3,022
Medtronic PLC COM g5960l103 469 5,196 SH   SOLE   260 0 4,936
Merck & Co Inc COM 58933y105 2,006 26,070 SH   SOLE   5,785 0 20,285
Merck & Co Inc COM 58933y105 45 588 SH   DFND 2 0 0 588
Micron Technology Inc COM 595112103 219 5,195 SH   SOLE   0 0 5,195
Micron Technology Inc COM 595112103 18 430 SH   DFND 2 0 0 430
Microsoft Corp COM 594918104 5,305 33,635 SH   SOLE   4,994 0 28,642
Microsoft Corp COM 594918104 79 500 SH   DFND 3 0 0 500
Microsoft Corp COM 594918104 64 404 SH   DFND 2 0 0 404
Morgan Stanley COM 617446448 346 10,170 SH   SOLE   0 0 10,170
Nestle S A COM 641069406 437 4,245 SH   SOLE   0 0 4,245
New Residential Inv Corp COM 64828t201 70 13,933 SH   SOLE   0 0 13,933
Nextera Energy Inc COM 65339f101 1,431 5,949 SH   SOLE   1,129 0 4,820
Nike Inc Cl B COM 654106103 1,865 22,538 SH   SOLE   3,545 0 18,993
Nike Inc Cl B COM 654106103 16 198 SH   DFND 2 0 0 198
Novartis A G COM 66987v109 595 7,220 SH   SOLE   165 0 7,055
NVIDIA Corp COM 67066g104 586 2,223 SH   SOLE   0 0 2,223
NVIDIA Corp COM 67066g104 19 72 SH   DFND 2 0 0 72
Paypal Holdings Inc COM 70450y103 1,810 18,906 SH   SOLE   600 0 18,306
PepsiCo Inc COM 713448108 7,770 64,696 SH   SOLE   0 0 64,696
PepsiCo Inc COM 713448108 42 346 SH   DFND 2 0 0 346
Pfizer Inc COM 717081103 2,295 70,309 SH   SOLE   11,180 0 59,129
Pfizer Inc COM 717081103 36 1,100 SH   DFND 3 0 0 1,100
Pfizer Inc COM 717081103 10 316 SH   DFND 2 0 0 316
Plug Power Inc COM 72919p202 120 34,000 SH   SOLE   0 0 34,000
Procter And Gamble Co COM 742718109 1,721 15,642 SH   SOLE   2,210 0 13,432
Procter And Gamble Co COM 742718109 48 432 SH   DFND 2 0 0 432
Qualcomm Inc COM 747525103 1,040 15,367 SH   SOLE   0 0 15,367
Raytheon Co COM 755111507 301 2,291 SH   SOLE   770 0 1,521
Raytheon Co COM 755111507 26 195 SH   DFND 2 0 0 195
Republic Services Inc COM 760759100 1,153 15,360 SH   SOLE   0 0 15,360
Republic Services Inc COM 760759100 23 307 SH   DFND 2 0 0 307
Rightscorp Inc COM 76658a102 0 200,000 SH   SOLE   0 0 200,000
Roku Inc Cl A COM 77543r102 277 3,166 SH   SOLE   0 0 3,166
Royal Mines & Minerals Corp COM 78033p101 0 50,000 SH   SOLE   50,000 0 0
Sap SE Sp ADR COM 803054204 1,029 9,308 SH   SOLE   0 0 9,308
ServiceNow Inc COM 81762p102 338 1,178 SH   SOLE   0 0 1,178
Sorrento Therapeutics Inc COM 83587f202 22 12,000 SH   SOLE   0 0 12,000
Starbucks Corp COM 855244109 1,109 16,869 SH   SOLE   0 0 16,869
Starbucks Corp COM 855244109 23 355 SH   DFND 2 0 0 355
Stryker Corp COM 863667101 330 1,982 SH   SOLE   1,125 0 857
Stryker Corp COM 863667101 15 91 SH   DFND 2 0 0 91
Tencent Holdings Ltd ADR COM 88032q109 258 5,246 SH   SOLE   0 0 5,246
United Technologies Corp COM 913017109 907 9,619 SH   SOLE   1,985 0 7,634
UnitedHealth Group Inc COM 91324p102 3,232 12,960 SH   SOLE   200 0 12,760
UnitedHealth Group Inc COM 91324p102 41 163 SH   DFND 2 0 0 163
US Bancorp Del COM 902973304 225 6,518 SH   SOLE   0 0 6,518
Verizon Communications Inc COM 92343v104 622 11,568 SH   SOLE   150 0 11,418
Verizon Communications Inc COM 92343v104 27 500 SH   DFND 3 0 0 500
Verizon Communications Inc COM 92343v104 11 201 SH   DFND 2 0 0 201
Visa Inc Cl A COM 92826c839 6,468 40,147 SH   SOLE   4,662 0 35,485
W P Carey Inc COM 92936u109 250 4,300 SH   SOLE   0 0 4,300
Wal-Mart Inc COM 931142103 4,042 35,578 SH   SOLE   90 0 35,488
Wal-Mart Inc COM 931142103 25 217 SH   DFND 2 0 0 217
Wal-Mart Inc COM 931142103 23 204 SH   DFND 3 0 0 204
Zoetis Inc Cl A COM 98978v103 2,379 20,212 SH   SOLE   2,017 0 18,195
Aberdeen Std Gold ETF Tr Physc ETF 00326a104 574 37,870 SH   SOLE   0 0 37,870
Ark ETF Tr Innovation ETF ETF 00214q104 3,563 80,968 SH   SOLE   4,741 0 76,227
First Trust Morningstar Div Le ETF 336917109 943 42,228 SH   SOLE   0 0 42,228
Innovator S&P Power Buffer ETF ETF 45782c417 20,726 956,435 SH   SOLE   0 0 956,435
Innovator S&P Power Buffer ETF ETF 45782c508 1,831 73,050 SH   SOLE   0 0 73,050
Innovator S&P Power Buffer ETF ETF 45782c383 1,124 46,746 SH   SOLE   0 0 46,746
Invesco Exchange Traded Fund T ETF 46137v266 1,049 10,480 SH   SOLE   0 0 10,480
Invesco Exchange Traded Fund T ETF 46137v241 2,014 67,300 SH   SOLE   0 0 67,300
Invesco Exchng Traded Fund Tr ETF 46138e230 1,262 48,003 SH   SOLE   0 0 48,003
Invesco Exchng Traded Fund Tr ETF 46138g102 328 9,902 SH   SOLE   0 0 9,902
Invesco QQQ Ser 1 ETF 46090e103 17,007 89,322 SH   SOLE   0 0 89,322
iShares Aggressive Alloc ETF ETF 464289859 247 5,206 SH   SOLE   2,044 0 3,162
iShares Conser Alloc ETF ETF 464289883 1,369 40,521 SH   SOLE   385 0 40,136
IShares Core S&P 500 ETF ETF 464287200 980 3,791 SH   SOLE   2,739 0 1,052
IShares Global 100 ETF ETF 464287572 321 7,190 SH   SOLE   0 0 7,190
iShares Gold Trust ETF 464285105 2,451 162,671 SH   SOLE   0 0 162,671
iShares Growth Allocat ETF ETF 464289867 777 18,783 SH   SOLE   700 0 18,083
iShares Min Vol EAFE ETF ETF 46429b689 365 5,883 SH   SOLE   0 0 5,883
iShares Min Vol USA ETF ETF 46429b697 372 6,892 SH   SOLE   0 0 6,892
iShares Moderate Alloc ETF ETF 464289875 8,168 222,319 SH   SOLE   7,858 0 214,461
iShares MSCI Emerg Mkt ETF ETF 464287234 3,051 89,392 SH   SOLE   26,455 0 62,937
iShares NASDAQ Biotech ETF 464287556 2,699 25,050 SH   SOLE   0 0 25,050
iShares Russell 1000 Growth ET ETF 464287614 5,017 33,302 SH   SOLE   30,957 0 2,345
iShares Russell 1000 Val ETF ETF 464287598 3,486 35,147 SH   SOLE   33,075 0 2,072
iShares Russell 3000 ETF ETF 464287689 220 1,481 SH   SOLE   0 0 1,481
iShares S&P Smallcap ETF ETF 464287804 263 4,682 SH   SOLE   0 0 4,682
iShares Select Div ETF ETF 464287168 217 2,956 SH   SOLE   0 0 2,956
iShares USA Quality Fctr ETF 46432f339 1,807 22,298 SH   SOLE   6,272 0 16,026
Lattice Strategies Tr Hartford ETF 518416102 2,598 117,863 SH   SOLE   0 0 117,863
ProShares S&P 500 Dv Arist ETF 74348a467 653 11,326 SH   SOLE   0 0 11,326
Schwab Schwab Fdt US SC ETF 808524763 562 21,728 SH   SOLE   0 0 21,728
Schwab US Large Cap Value ETF ETF 808524409 520 11,749 SH   SOLE   0 0 11,749
SPDR Gold Trust Gold ETF 78463v107 1,717 11,599 SH   SOLE   300 0 11,299
SPDR Portfolio Devlpd ETF 78463x889 833 34,776 SH   SOLE   0 0 34,776
SPDR Portfolio Emg MK ETF 78463x509 560 19,682 SH   SOLE   8,846 0 10,836
SPDR Portfolio MD ETF ETF 78464a847 251 9,902 SH   SOLE   0 0 9,902
SPDR Portfolio Tl Stock ETF 78464a805 4,830 153,577 SH   SOLE   28,102 0 125,475
SPDR S&P 500 ETF Tr ETF 78462f103 22,238 86,276 SH   SOLE   0 0 86,276
SPDR S&P Biotech ETF ETF 78464a870 1,695 21,886 SH   SOLE   500 0 21,386
SPDR S&P Mid Cap 400 ETF ETF 78467y107 5,954 22,651 SH   SOLE   0 0 22,651
SSGA SPDR ETFS Europe I PLC UC ETF g8t03h146 264 1,000 SH   SOLE   0 0 1,000
Vaneck Vectors ETF Tr Gold Min ETF 92189f106 5,286 229,406 SH   SOLE   2,725 0 226,681
Vaneck Vectors ETF Tr Jr Gold ETF 92189f791 249 8,850 SH   SOLE   0 0 8,850
Vanguard FTSE All World ex-US ETF 922042775 1,319 32,152 SH   SOLE   0 0 32,152
Vanguard FTSE Emerg Mkt ETF ETF 922042858 1,544 46,033 SH   SOLE   0 0 46,033
Vanguard Health Care ETF ETF 92204a504 1,636 9,850 SH   SOLE   0 0 9,850
Vanguard High Div Yield ETF 921946406 8,922 126,103 SH   SOLE   1,200 0 124,903
Vanguard S&P 500 ETF ETF 922908363 10,453 44,140 SH   SOLE   0 0 44,140
Vanguard Total Stock Mkt ETF 922908769 1,767 13,704 SH   SOLE   0 0 13,704
Vanguard Value ETF ETF 922908744 2,584 29,014 SH   SOLE   0 0 29,014
Invesco Exch Trd Slf Index Fun ETF 46138j502 257 12,211 SH   SOLE   0 0 12,211
Invesco Exchng Traded Fund Tr ETF 46138e537 538 20,846 SH   SOLE   0 0 20,846
Invesco Exchng Traded Fund Tr ETF 46138g870 5,391 251,205 SH   SOLE   0 0 251,205
iShares 20 Yr Tr Bond ETF ETF 464287432 58 350 SH   SOLE   0 0 350
iShares 20 Yr Tr Bond ETF ETF 464287432 214 1,300 SH   DFND 3 0 0 1,300
iShares Core Intl Aggr ETF 46435g672 633 11,570 SH   SOLE   4,316 0 7,254
iShares Ibonds Dec2021 ETF 46435g789 559 21,914 SH   SOLE   0 0 21,914
iShares Ibonds Dec2022 ETF 46435g755 559 21,510 SH   SOLE   0 0 21,510
iShares Ibonds Sep2020 ETF 46434v571 507 19,972 SH   SOLE   0 0 19,972
iShares National Muni ETF ETF 464288414 3,315 29,336 SH   SOLE   0 0 29,336
iShares Sht Mat Bond ETF ETF 46431w507 598 12,337 SH   SOLE   0 0 12,337
iShares TIPS Bond ETF ETF 464287176 696 5,902 SH   SOLE   0 0 5,902
JPMorgan Exchange Traded Fund ETF 46641q837 5,211 104,909 SH   SOLE   0 0 104,909
Nuveen AMT Free Quality Muni I ETF 670657105 4,779 352,942 SH   SOLE   0 0 352,942
SPDR Portfolio Agrgte ETF 78464a649 5,385 178,179 SH   SOLE   32,655 0 145,524
SPDR Portfolio Interm ETF 78464a375 588 17,287 SH   SOLE   17,255 0 32
WisdomTree Yield Enhanced US A ETF 97717x511 2,975 57,605 SH   SOLE   17,002 0 40,603