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   322,241 3,038 SH   SOLE   3,038 0 0
ABBOTT LABS COM 002824100   15,251,012 134,181 SH   SOLE   134,181 0 0
ABBVIE INC COM 00287y109   2,599,295 14,274 SH   SOLE   14,274 0 0
ACCENTURE PLC CL A COM g1151c101   1,237,398 3,570 SH   SOLE   3,570 0 0
ADOBE INC COM 00724f101   14,900,333 29,529 SH   SOLE   29,529 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   755,882 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   33,084,158 219,202 SH   SOLE   219,202 0 0
ALPHABET INC CL C COM 02079k107   2,270,197 14,910 SH   SOLE   14,910 0 0
AMAZON.COM INC COM 023135106   32,020,156 177,515 SH   SOLE   177,515 0 0
AMERICAN TOWER CORP REIT COM 03027x100   208,853 1,057 SH   SOLE   1,057 0 0
ANALOG DEVICES INC COM 032654105   804,214 4,066 SH   SOLE   4,066 0 0
APPLE INC COM 037833100   41,277,294 240,712 SH   SOLE   240,712 0 0
APTIV PLC COM g6095l109   3,545,142 44,509 SH   SOLE   44,509 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,503,893 10,026 SH   SOLE   10,026 0 0
AXSOME THERAPEUTICS INC COM 05464t104   306,432 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   16,367,068 431,621 SH   SOLE   431,621 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   310,680 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   8,623,385 34,849 SH   SOLE   34,849 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   634,440 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702   5,225,382 12,426 SH   SOLE   12,426 0 0
BEYOND AIR INC COM 08862l103   60,935 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   403,012 1,869 SH   SOLE   1,869 0 0
BOEING CO COM 097023105   470,317 2,437 SH   SOLE   2,437 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   7,606,788 140,269 SH   SOLE   140,269 0 0
BROADCOM INC COM 11135f101   15,044,729 11,351 SH   SOLE   11,351 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   554,499 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104   358,953 6,175 SH   SOLE   6,175 0 0
CATERPILLAR INC COM 149123101   478,924 1,307 SH   SOLE   1,307 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104   249,295 1,520 SH   SOLE   1,520 0 0
CHEVRON CORPORATION COM 166764100   956,062 6,061 SH   SOLE   6,061 0 0
CHURCH & DWIGHT INC COM 171340102   888,721 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102   1,719,000 34,442 SH   SOLE   34,442 0 0
COCA COLA CO COM 191216100   14,382,561 235,086 SH   SOLE   235,086 0 0
COMCAST CORP CL A COM 20030n101   746,400 17,218 SH   SOLE   17,218 0 0
COMM SERV SELECT SECTOR SPDR COM 81369y852   5,302,919 64,939 SH   SOLE   64,939 0 0
CONSUMER DISCRETIONARY SELECT COM 81369y407   7,987,814 43,438 SH   SOLE   43,438 0 0
CORTEVA INC COM 22052l104   287,370 4,983 SH   SOLE   4,983 0 0
COSTCO WHOLESALE CORP COM 22160k105   1,699,702 2,320 SH   SOLE   2,320 0 0
DANAHER CORP COM 235851102   596,831 2,390 SH   SOLE   2,390 0 0
DISNEY WALT CO NEW COM 254687106   1,332,133 10,887 SH   SOLE   10,887 0 0
DOW INC COM 260557103   284,726 4,915 SH   SOLE   4,915 0 0
DUPONT DE NEMOURS INC COM 26614n102   382,660 4,991 SH   SOLE   4,991 0 0
EATON CORP PLC COM g29183103   11,915,609 38,108 SH   SOLE   38,108 0 0
ECOLAB INC COM 278865100   7,316,528 31,687 SH   SOLE   31,687 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108   505,035 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104   1,363,649 12,023 SH   SOLE   12,023 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   34,082,293 361,003 SH   SOLE   361,003 0 0
EXXON MOBIL CORP COM 30231g102   5,087,127 43,764 SH   SOLE   43,764 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369y605   11,566,910 274,618 SH   SOLE   274,618 0 0
FISERV INC COM 337738108   814,443 5,096 SH   SOLE   5,096 0 0
GENERAL ELECTRIC CO COM 369604301   285,236 1,625 SH   SOLE   1,625 0 0
GENUINE PARTS CO COM 372460105   443,874 2,865 SH   SOLE   2,865 0 0
HEALTH CARE SELECT SECTOR COM 81369y209   8,174,049 55,331 SH   SOLE   55,331 0 0
HOME DEPOT INC COM 437076102   9,309,972 24,270 SH   SOLE   24,270 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   11,309,070 55,099 SH   SOLE   55,099 0 0
ILLINOIS TOOL WKS INC COM 452308109   657,140 2,449 SH   SOLE   2,449 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704   10,565,273 83,878 SH   SOLE   83,878 0 0
INTEL CORP COM 458140100   1,217,855 27,572 SH   SOLE   27,572 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   10,334,736 75,200 SH   SOLE   75,200 0 0
INTL. BUSINESS MACHINES CORP COM 459200101   12,662,749 66,311 SH   SOLE   66,311 0 0
INTUIT INC COM 461202103   1,262,950 1,943 SH   SOLE   1,943 0 0
INTUITIVE SURGICAL INC COM 46120e602   221,495 555 SH   SOLE   555 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   284,264 3,003 SH   SOLE   3,003 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   5,571,544 40,603 SH   SOLE   40,603 0 0
ISHARES CORE S&P 500 ETF COM 464287200   1,393,184 2,650 SH   SOLE   2,650 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   12,004,411 197,636 SH   SOLE   197,636 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150   6,707,693 58,176 SH   SOLE   58,176 0 0
ISHARES GOLD TRUST COM 464285204   57,281,013 1,363,509 SH   SOLE   1,363,509 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,337,280 23,185 SH   SOLE   23,185 0 0
JOHNSON & JOHNSON COM 478160104   17,754,296 112,234 SH   SOLE   112,234 0 0
JP MORGAN CHASE & CO COM 46625h100   22,548,172 112,572 SH   SOLE   112,572 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   244,279 4,842 SH   SOLE   4,842 0 0
LILLY ELI & CO COM 532457108   1,219,841 1,568 SH   SOLE   1,568 0 0
LINDE PLC COM g54950103   16,950,930 36,507 SH   SOLE   36,507 0 0
MASTERCARD INC CL A COM 57636q104   1,356,101 2,816 SH   SOLE   2,816 0 0
MATERIALS SELECT SECTOR SPDR TRUST COM 81369y100   1,072,601 11,547 SH   SOLE   11,547 0 0
MCDONALDS CORP COM 580135101   2,196,109 7,789 SH   SOLE   7,789 0 0
MERCK & CO INC COM 58933y105   21,361,913 161,894 SH   SOLE   161,894 0 0
META PLATFORMS INC CL A COM 30303m102   5,420,044 11,162 SH   SOLE   11,162 0 0
MICROSOFT CORP COM 594918104   64,693,273 153,768 SH   SOLE   153,768 0 0
NESTLE SA SPONS ADR COM 641069406   6,830,359 64,316 SH   SOLE   64,316 0 0
NEXTERA ENERGY INC COM 65339f101   13,486,033 211,016 SH   SOLE   211,016 0 0
NIKE INC-CLASS B COM 654106103   730,225 7,770 SH   SOLE   7,770 0 0
NUVECTIS PHARMA INC COM 67080t108   278,800 34,000 SH   SOLE   34,000 0 0
NVIDIA CORP COM 67066g104   43,622,070 48,278 SH   SOLE   48,278 0 0
ORACLE CORPORATION COM 68389x105   204,242 1,626 SH   SOLE   1,626 0 0
OTIS WORLDWIDE CORP COM 68902v107   283,515 2,856 SH   SOLE   2,856 0 0
PACCAR INC COM 693718108   356,184 2,875 SH   SOLE   2,875 0 0
PALO ALTO NETWORKS INC COM 697435105   4,989,607 17,561 SH   SOLE   17,561 0 0
PAYCHEX INC COM 704326107   334,753 2,726 SH   SOLE   2,726 0 0
PEPSICO INC COM 713448108   15,379,354 87,877 SH   SOLE   87,877 0 0
PFIZER INC COM 717081103   647,185 23,322 SH   SOLE   23,322 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   536,027 3,317 SH   SOLE   3,317 0 0
PROCTER & GAMBLE CO COM 742718109   19,007,425 117,149 SH   SOLE   117,149 0 0
PROGRESS SOFTWARE CORP COM 743312100   379,567 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   9,653,944 46,678 SH   SOLE   46,678 0 0
PROLOGIS INC REIT COM 74340w103   7,511,350 57,682 SH   SOLE   57,682 0 0
QUALCOMM INC COM 747525103   284,424 1,680 SH   SOLE   1,680 0 0
REAL ESTATE SELECT SECT SPDR COM 81369y860   3,024,480 76,511 SH   SOLE   76,511 0 0
RIO TINTO PLC SPONS ADR COM 767204100   5,682,803 89,156 SH   SOLE   89,156 0 0
ROPER TECHNOLOGIES INC COM 776696106   311,266 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102   564,928 5,600 SH   SOLE   5,600 0 0
RTX CORPORATION COM 75513e101   760,246 7,795 SH   SOLE   7,795 0 0
S&P GLOBAL INC COM 78409v104   242,081 569 SH   SOLE   569 0 0
SALESFORCE INC COM 79466l302   10,940,062 36,324 SH   SOLE   36,324 0 0
SERVICENOW INC COM 81762p102   4,035,383 5,293 SH   SOLE   5,293 0 0
SPDR GOLD MINISHARES TRUST ETF COM 98149e303   1,264,720 28,711 SH   SOLE   28,711 0 0
SPDR GOLD TRUST COM 78463v107   1,094,019 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   9,481,165 261,983 SH   SOLE   261,983 0 0
STARBUCKS CORP COM 855244109   352,034 3,852 SH   SOLE   3,852 0 0
STATE STREET CORP COM 857477103   389,306 5,035 SH   SOLE   5,035 0 0
STRYKER CORPORATION COM 863667101   1,260,060 3,521 SH   SOLE   3,521 0 0
TARGET CORP COM 87612e106   438,063 2,472 SH   SOLE   2,472 0 0
TECHNOLOGY SELECT SECT SPDR COM 81369y803   18,597,886 89,297 SH   SOLE   89,297 0 0
TESLA INC COM 88160r101   2,420,980 13,772 SH   SOLE   13,772 0 0
TJX COS INC COM 872540109   12,054,781 118,860 SH   SOLE   118,860 0 0
UNION PAC CORP COM 907818108   13,203,490 53,688 SH   SOLE   53,688 0 0
UNITED RENTALS INC COM 911363109   209,122 290 SH   SOLE   290 0 0
UNITEDHEALTH GROUP INC COM 91324p102   9,124,247 18,444 SH   SOLE   18,444 0 0
US BANCORP NEW COM 902973304   566,662 12,677 SH   SOLE   12,677 0 0
UTILITIES SELECT SECTOR SPDR COM 81369y886   2,862,603 43,604 SH   SOLE   43,604 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   15,031,725 82,316 SH   SOLE   82,316 0 0
VERIZON COMMUNICATIONS COM 92343v104   8,051,704 191,890 SH   SOLE   191,890 0 0
VISA INC CL A COM 92826c839   17,759,256 63,635 SH   SOLE   63,635 0 0
WALMART INC COM 931142103   13,713,465 227,912 SH   SOLE   227,912 0 0
WEYERHAEUSER CO REIT COM 962166104   578,187 16,101 SH   SOLE   16,101 0 0
XYLEM INC COM 98419m100   10,321,494 79,863 SH   SOLE   79,863 0 0
YUM BRANDS INC COM 988498101   448,533 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103   9,109,590 53,836 SH   SOLE   53,836 0 0
ISHARES CORE S&P 500 ETF COM 464287200   194,520 370 SH   DFND   370 0 0
LOWES COS INC COM 548661107   50,946 200 SH   DFND   200 0 0
PEPSICO INC COM 713448108   17,501 100 SH   DFND   100 0 0
PFIZER INC COM 717081103   41,930 1,511 SH   DFND   1,511 0 0
ZOETIS INC COM 98978v103   80,544 476 SH   DFND   476 0 0