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
3M CO COM 88579y101   326,211 2,984 SH   SOLE   2,984 0 0
ABBOTT LABS COM 002824100   14,922,960 135,577 SH   SOLE   135,577 0 0
ABBVIE INC COM 00287y109   2,212,042 14,274 SH   SOLE   14,274 0 0
ACCENTURE PLC CL A COM g1151c101   1,291,349 3,680 SH   SOLE   3,680 0 0
ADOBE INC COM 00724f101   17,632,513 29,555 SH   SOLE   29,555 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   854,256 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   30,872,747 221,009 SH   SOLE   221,009 0 0
ALPHABET INC CL C COM 02079k107   2,101,266 14,910 SH   SOLE   14,910 0 0
AMAZON.COM INC COM 023135106   27,347,681 179,990 SH   SOLE   179,990 0 0
AMERICAN TOWER CORP REIT COM 03027x100   228,185 1,057 SH   SOLE   1,057 0 0
ANALOG DEVICES INC COM 032654105   932,835 4,698 SH   SOLE   4,698 0 0
APPLE INC COM 037833100   46,776,704 242,958 SH   SOLE   242,958 0 0
APTIV PLC COM g6095l109   4,039,374 45,022 SH   SOLE   45,022 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,336,223 10,028 SH   SOLE   10,028 0 0
AXSOME THERAPEUTICS INC COM 05464t104   305,626 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   14,743,756 437,890 SH   SOLE   437,890 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   292,140 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   8,827,865 36,205 SH   SOLE   36,205 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   542,625 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702   4,414,024 12,376 SH   SOLE   12,376 0 0
BEYOND AIR INC COM 08862l103   68,639 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   493,733 1,908 SH   SOLE   1,908 0 0
BOEING CO COM 097023105   635,228 2,437 SH   SOLE   2,437 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   7,484,025 145,859 SH   SOLE   145,859 0 0
BROADCOM INC COM 11135f101   17,230,435 15,436 SH   SOLE   15,436 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   528,902 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104   366,531 6,380 SH   SOLE   6,380 0 0
CATERPILLAR INC COM 149123101   386,441 1,307 SH   SOLE   1,307 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104   232,241 1,520 SH   SOLE   1,520 0 0
CHEVRON CORPORATION COM 166764100   934,487 6,265 SH   SOLE   6,265 0 0
CHURCH & DWIGHT INC COM 171340102   805,651 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102   1,768,099 34,998 SH   SOLE   34,998 0 0
COCA COLA CO COM 191216100   13,940,893 236,567 SH   SOLE   236,567 0 0
COMCAST CORP CL A COM 20030n101   758,780 17,304 SH   SOLE   17,304 0 0
COMM SERV SELECT SECTOR SPDR COM 81369y852   4,718,468 64,939 SH   SOLE   64,939 0 0
CONSUMER DISCRETIONARY SELECT COM 81369y407   7,767,149 43,438 SH   SOLE   43,438 0 0
CORTEVA INC COM 22052l104   238,785 4,983 SH   SOLE   4,983 0 0
COSTCO WHOLESALE CORP COM 22160k105   1,531,386 2,320 SH   SOLE   2,320 0 0
DANAHER CORP COM 235851102   552,903 2,390 SH   SOLE   2,390 0 0
DISNEY WALT CO NEW COM 254687106   982,987 10,887 SH   SOLE   10,887 0 0
DOW INC COM 260557103   269,539 4,915 SH   SOLE   4,915 0 0
DUPONT DE NEMOURS INC COM 26614n102   383,958 4,991 SH   SOLE   4,991 0 0
EATON CORP PLC COM g29183103   9,152,605 38,006 SH   SOLE   38,006 0 0
ECOLAB INC COM 278865100   6,373,977 32,135 SH   SOLE   32,135 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108   402,981 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104   1,177,498 12,098 SH   SOLE   12,098 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   30,618,871 365,206 SH   SOLE   365,206 0 0
EXXON MOBIL CORP COM 30231g102   4,413,917 44,148 SH   SOLE   44,148 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369y605   10,325,637 274,618 SH   SOLE   274,618 0 0
FISERV INC COM 337738108   676,953 5,096 SH   SOLE   5,096 0 0
GENERAL ELECTRIC CO COM 369604301   207,399 1,625 SH   SOLE   1,625 0 0
GENUINE PARTS CO COM 372460105   408,575 2,950 SH   SOLE   2,950 0 0
HEALTH CARE SELECT SECTOR COM 81369y209   7,546,042 55,331 SH   SOLE   55,331 0 0
HOME DEPOT INC COM 437076102   8,402,798 24,247 SH   SOLE   24,247 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   11,740,824 55,986 SH   SOLE   55,986 0 0
ILLINOIS TOOL WKS INC COM 452308109   641,491 2,449 SH   SOLE   2,449 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704   9,561,253 83,878 SH   SOLE   83,878 0 0
INTEL CORP COM 458140100   1,385,493 27,572 SH   SOLE   27,572 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   9,768,257 76,059 SH   SOLE   76,059 0 0
INTL. BUSINESS MACHINES CORP COM 459200101   10,907,477 66,692 SH   SOLE   66,692 0 0
INTUIT INC COM 461202103   1,226,934 1,963 SH   SOLE   1,963 0 0
ISHARES 0-3 MONTH TREASURY BD ETF COM 46436e718   227,212 2,266 SH   SOLE   2,266 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   297,941 3,091 SH   SOLE   3,091 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   5,645,790 41,559 SH   SOLE   41,559 0 0
ISHARES CORE S&P 500 ETF COM 464287200   1,265,719 2,650 SH   SOLE   2,650 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   11,106,232 40,073 SH   SOLE   40,073 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150   6,085,661 57,832 SH   SOLE   57,832 0 0
ISHARES GOLD TRUST COM 464285204   53,973,982 1,382,884 SH   SOLE   1,382,884 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,292,366 25,177 SH   SOLE   25,177 0 0
JOHNSON & JOHNSON COM 478160104   17,809,896 113,627 SH   SOLE   113,627 0 0
JP MORGAN CHASE & CO COM 46625h100   19,324,551 113,607 SH   SOLE   113,607 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654   243,603 4,801 SH   SOLE   4,801 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837   243,264 4,843 SH   SOLE   4,843 0 0
LILLY ELI & CO COM 532457108   928,592 1,593 SH   SOLE   1,593 0 0
LINDE PLC COM g54950103   15,040,200 36,620 SH   SOLE   36,620 0 0
MASTERCARD INC CL A COM 57636q104   1,201,052 2,816 SH   SOLE   2,816 0 0
MATERIALS SELECT SECTOR SPDR TRUST COM 81369y100   987,730 11,547 SH   SOLE   11,547 0 0
MCDONALDS CORP COM 580135101   2,309,516 7,789 SH   SOLE   7,789 0 0
MERCK & CO INC COM 58933y105   17,851,916 163,749 SH   SOLE   163,749 0 0
META PLATFORMS INC CL A COM 30303m102   3,950,902 11,162 SH   SOLE   11,162 0 0
MICROSOFT CORP COM 594918104   58,987,891 156,866 SH   SOLE   156,866 0 0
NESTLE SA SPONS ADR COM 641069406   7,749,176 67,017 SH   SOLE   67,017 0 0
NEXTERA ENERGY INC COM 65339f101   12,993,319 213,917 SH   SOLE   213,917 0 0
NIKE INC-CLASS B COM 654106103   843,589 7,770 SH   SOLE   7,770 0 0
NUVECTIS PHARMA INC COM 67080t108   283,560 34,000 SH   SOLE   34,000 0 0
NVIDIA CORP COM 67066g104   26,844,391 54,207 SH   SOLE   54,207 0 0
OTIS WORLDWIDE CORP COM 68902v107   266,442 2,978 SH   SOLE   2,978 0 0
PACCAR INC COM 693718108   280,744 2,875 SH   SOLE   2,875 0 0
PAYCHEX INC COM 704326107   324,694 2,726 SH   SOLE   2,726 0 0
PEPSICO INC COM 713448108   15,219,023 89,608 SH   SOLE   89,608 0 0
PFIZER INC COM 717081103   678,638 23,572 SH   SOLE   23,572 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   495,520 3,200 SH   SOLE   3,200 0 0
PROCTER & GAMBLE CO COM 742718109   17,438,407 119,001 SH   SOLE   119,001 0 0
PROGRESS SOFTWARE CORP COM 743312100   386,616 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   7,424,837 46,615 SH   SOLE   46,615 0 0
PROLOGIS INC REIT COM 74340w103   7,785,786 58,408 SH   SOLE   58,408 0 0
QUALCOMM INC COM 747525103   242,978 1,680 SH   SOLE   1,680 0 0
REAL ESTATE SELECT SECT SPDR COM 81369y860   3,065,031 76,511 SH   SOLE   76,511 0 0
RIO TINTO PLC SPONS ADR COM 767204100   6,836,992 91,821 SH   SOLE   91,821 0 0
ROPER TECHNOLOGIES INC COM 776696106   302,569 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102   566,328 5,600 SH   SOLE   5,600 0 0
RTX CORPORATION COM 75513e101   666,978 7,927 SH   SOLE   7,927 0 0
S&P GLOBAL INC COM 78409v104   250,656 569 SH   SOLE   569 0 0
SALESFORCE INC COM 79466l302   9,568,297 36,362 SH   SOLE   36,362 0 0
SERVICENOW INC COM 81762p102   3,728,854 5,278 SH   SOLE   5,278 0 0
SPDR GOLD MINISHARES TRUST ETF COM 98149e303   1,174,567 28,711 SH   SOLE   28,711 0 0
SPDR GOLD TRUST COM 78463v107   1,016,642 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   9,599,120 271,085 SH   SOLE   271,085 0 0
STARBUCKS CORP COM 855244109   369,831 3,852 SH   SOLE   3,852 0 0
STATE STREET CORP COM 857477103   390,011 5,035 SH   SOLE   5,035 0 0
STRYKER CORPORATION COM 863667101   1,054,399 3,521 SH   SOLE   3,521 0 0
TARGET CORP COM 87612e106   366,304 2,572 SH   SOLE   2,572 0 0
TECHNOLOGY SELECT SECT SPDR COM 81369y803   17,187,887 89,297 SH   SOLE   89,297 0 0
TESLA INC COM 88160r101   3,470,520 13,967 SH   SOLE   13,967 0 0
TJX COS INC COM 872540109   11,201,946 119,411 SH   SOLE   119,411 0 0
UNION PAC CORP COM 907818108   13,469,310 54,838 SH   SOLE   54,838 0 0
UNITEDHEALTH GROUP INC COM 91324p102   9,896,057 18,797 SH   SOLE   18,797 0 0
US BANCORP NEW COM 902973304   557,966 12,892 SH   SOLE   12,892 0 0
UTILITIES SELECT SECTOR SPDR COM 81369y886   2,761,441 43,604 SH   SOLE   43,604 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   18,152,882 106,531 SH   SOLE   106,531 0 0
VERIZON COMMUNICATIONS COM 92343v104   7,422,074 196,872 SH   SOLE   196,872 0 0
VISA INC CL A COM 92826c839   16,850,112 64,721 SH   SOLE   64,721 0 0
WALMART INC COM 931142103   12,201,952 77,399 SH   SOLE   77,399 0 0
WEYERHAEUSER CO REIT COM 962166104   559,832 16,101 SH   SOLE   16,101 0 0
XYLEM INC COM 98419m100   9,340,124 81,673 SH   SOLE   81,673 0 0
YUM BRANDS INC COM 988498101   441,892 3,382 SH   SOLE   3,382 0 0
ZOETIS INC COM 98978v103   10,915,943 55,307 SH   SOLE   55,307 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   23,297 100 SH   DFND   100 0 0
PEPSICO INC COM 713448108   16,984 100 SH   DFND   100 0 0
PFIZER INC COM 717081103   43,502 1,511 SH   DFND   1,511 0 0
ZOETIS INC COM 98978v103   93,948 476 SH   DFND   476 0 0