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
ACCENTURE SHS CLASS A G1151C101 2 5 SH   DFND NONE 5 0 0
ACCENTURE SHS CLASS A G1151C101 716 1,726 SH   SOLE NONE 1,726 0 0
ALPHABET INC CAP STK CL A 02079K305 46 16 SH   DFND NONE 16 0 0
ALPHABET INC CAP STK CL A 02079K305 3,062 1,057 SH   SOLE NONE 1,057 0 0
ANALOG DEVICES INC COM 032654105 3 15 SH   DFND NONE 15 0 0
ANALOG DEVICES INC COM 032654105 727 4,137 SH   SOLE NONE 4,137 0 0
Abbott Laboratories COM 002824100 6 40 SH   DFND NONE 40 0 0
Abbott Laboratories COM 002824100 1,540 10,944 SH   SOLE NONE 10,944 0 0
Activision Blizzard Inc COM 00507V109 1 20 SH   DFND NONE 20 0 0
Activision Blizzard Inc COM 00507V109 387 5,821 SH   SOLE NONE 5,821 0 0
Adobe Inc COM 00724F101 685 1,208 SH   SOLE NONE 1,208 0 0
Amazon.com Inc COM 023135106 2,774 832 SH   SOLE NONE 832 0 0
American Tower Corp COM 03027X100 4 15 SH   DFND NONE 15 0 0
American Tower Corp COM 03027X100 1,135 3,880 SH   SOLE NONE 3,880 0 0
AmerisourceBergen Corp COM 03073E105 1 10 SH   DFND NONE 10 0 0
AmerisourceBergen Corp COM 03073E105 423 3,185 SH   SOLE NONE 3,185 0 0
Apple Inc COM 037833100 81 455 SH   DFND NONE 455 0 0
Apple Inc COM 037833100 4,162 23,436 SH   SOLE NONE 23,436 0 0
BOEING CO COM 097023105 17 85 SH   DFND NONE 85 0 0
BOEING CO COM 097023105 380 1,886 SH   SOLE NONE 1,886 0 0
BRISTOL-MYRS SQUIB COM 110122108 2 30 SH   DFND NONE 30 0 0
BRISTOL-MYRS SQUIB COM 110122108 504 8,076 SH   SOLE NONE 8,076 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499 10 115 SH   DFND NONE 115 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499 3,385 40,780 SH   SOLE NONE 40,780 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372 1,086 22,821 SH   SOLE NONE 22,821 0 0
BlackRock Fund Advisors MBS ETF 464288588 1,230 11,446 SH   SOLE NONE 11,446 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 90 1,525 SH   DFND NONE 1,525 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 9,577 161,577 SH   SOLE NONE 161,577 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 140 2,600 SH   DFND NONE 2,600 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 10,491 194,712 SH   SOLE NONE 194,712 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 219 1,986 SH   SOLE NONE 1,986 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822 22 335 SH   DFND NONE 335 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822 6,493 96,969 SH   SOLE NONE 96,969 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 55 940 SH   DFND NONE 940 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 15,924 273,796 SH   SOLE NONE 273,796 0 0
BlackRock Inc COM 09247X101 496 542 SH   SOLE NONE 542 0 0
Blackstone Inc COM 09260D107 3 20 SH   DFND NONE 20 0 0
Blackstone Inc COM 09260D107 702 5,427 SH   SOLE NONE 5,427 0 0
COLGATE-PALMOLIVE COM 194162103 695 8,144 SH   DFND NONE 0 0 8,144
CVS Health Corp COM 126650100 4 40 SH   DFND NONE 40 0 0
CVS Health Corp COM 126650100 1,224 11,866 SH   SOLE NONE 11,866 0 0
Chevron Corp COM 166764100 1 10 SH   DFND NONE 10 0 0
Chevron Corp COM 166764100 318 2,707 SH   SOLE NONE 2,707 0 0
Chipotle Mexican Grill Inc COM 169656105 759 434 SH   SOLE NONE 434 0 0
Citigroup Inc COM NEW 172967424 14 240 SH   DFND NONE 30 0 210
Citigroup Inc COM NEW 172967424 457 7,570 SH   SOLE NONE 7,570 0 0
Coca-Cola Co/The COM 191216100 15 250 SH   DFND NONE 250 0 0
Coca-Cola Co/The COM 191216100 669 11,292 SH   SOLE NONE 11,292 0 0
Comcast Corp CL A 20030N101 3 55 SH   DFND NONE 55 0 0
Comcast Corp CL A 20030N101 834 16,570 SH   SOLE NONE 16,570 0 0
Costco Wholesale Corp COM 22160K105 3 5 SH   DFND NONE 5 0 0
Costco Wholesale Corp COM 22160K105 1,261 2,221 SH   SOLE NONE 2,221 0 0
DEERE & CO COM 244199105 3 10 SH   DFND NONE 10 0 0
DEERE & CO COM 244199105 820 2,390 SH   SOLE NONE 2,390 0 0
DuPont de Nemours Inc COM 26614N102 1 15 SH   DFND NONE 15 0 0
DuPont de Nemours Inc COM 26614N102 404 4,996 SH   SOLE NONE 4,996 0 0
EBAY INC COM 278642103 15 230 SH   DFND NONE 30 0 200
EBAY INC COM 278642103 600 9,024 SH   SOLE NONE 9,024 0 0
ECOLAB INC COM 278865100 1 5 SH   DFND NONE 5 0 0
ECOLAB INC COM 278865100 434 1,848 SH   SOLE NONE 1,848 0 0
EOG Resources Inc COM 26875P101 2 20 SH   DFND NONE 20 0 0
EOG Resources Inc COM 26875P101 397 4,464 SH   SOLE NONE 4,464 0 0
Eli Lilly & Co COM 532457108 3 10 SH   DFND NONE 10 0 0
Eli Lilly & Co COM 532457108 783 2,835 SH   SOLE NONE 2,835 0 0
Estee Lauder Cos Inc/The CL A 518439104 6 15 SH   DFND NONE 15 0 0
Estee Lauder Cos Inc/The CL A 518439104 1,110 2,999 SH   SOLE NONE 2,999 0 0
Exxon Mobil Corp COM 30231G102 182 2,977 SH   DFND NONE 25 0 2,952
Exxon Mobil Corp COM 30231G102 460 7,514 SH   SOLE NONE 7,514 0 0
Facebook Inc CL A 30303M102 5 15 SH   DFND NONE 15 0 0
Facebook Inc CL A 30303M102 1,538 4,574 SH   SOLE NONE 4,574 0 0
GEN DYNAMICS CORP COM 369550108 23 110 SH   DFND NONE 10 0 100
GEN DYNAMICS CORP COM 369550108 599 2,875 SH   SOLE NONE 2,875 0 0
HALLIBURTON COM 406216101 1 55 SH   DFND NONE 55 0 0
HALLIBURTON COM 406216101 341 14,915 SH   SOLE NONE 14,915 0 0
Home Depot Inc/The COM 437076102 85 205 SH   DFND NONE 5 0 200
Home Depot Inc/The COM 437076102 643 1,550 SH   SOLE NONE 1,550 0 0
Honeywell International Inc COM 438516106 2 10 SH   DFND NONE 10 0 0
Honeywell International Inc COM 438516106 878 4,213 SH   SOLE NONE 4,213 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 4 30 SH   DFND NONE 30 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 1,022 7,472 SH   SOLE NONE 7,472 0 0
INTL BUSINESS MCHN COM 459200101 28 210 SH   DFND NONE 10 0 200
INTL BUSINESS MCHN COM 459200101 494 3,699 SH   SOLE NONE 3,699 0 0
ISHARES CORE S&P500 ETF 464287200 17,514 36,718 SH   SOLE NONE 36,718 0 0
ISHARES RUSSELL 2000 ETF 464287655 7 30 SH   DFND NONE 30 0 0
ISHARES RUSSELL 2000 ETF 464287655 2,220 9,978 SH   SOLE NONE 9,978 0 0
ISHARES NEW YORK MUN ETF 464288323 3,471 59,880 SH   SOLE NONE 59,880 0 0
ISHARES S&P GSCI UNIT BEN INT 46428R107 244 14,273 SH   SOLE NONE 14,273 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 38 785 SH   DFND NONE 785 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 11,175 228,758 SH   SOLE NONE 228,758 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,482 21,582 SH   SOLE NONE 21,582 0 0
ISHARES TRUST TIPS BD ETF 464287176 22 170 SH   DFND NONE 170 0 0
ISHARES TRUST TIPS BD ETF 464287176 2,237 17,311 SH   SOLE NONE 17,311 0 0
Intel Corp COM 458140100 28 540 SH   DFND NONE 40 0 500
Intel Corp COM 458140100 605 11,749 SH   SOLE NONE 11,749 0 0
JPMorgan Chase & Co COM 46625H100 86 545 SH   DFND NONE 45 0 500
JPMorgan Chase & Co COM 46625H100 1,935 12,217 SH   SOLE NONE 12,217 0 0
Johnson & Johnson COM 478160104 179 1,045 SH   DFND NONE 95 0 950
Johnson & Johnson COM 478160104 605 3,536 SH   SOLE NONE 3,536 0 0
Kraft Foods Inc CL A 609207105 3 50 SH   DFND NONE 50 0 0
Kraft Foods Inc CL A 609207105 884 13,326 SH   SOLE NONE 13,326 0 0
MARSH & MCLENNAN COM 571748102 3 15 SH   DFND NONE 15 0 0
MARSH & MCLENNAN COM 571748102 505 2,908 SH   SOLE NONE 2,908 0 0
MASTERCARD INC CL A 57636Q104 4 10 SH   DFND NONE 10 0 0
MASTERCARD INC CL A 57636Q104 1,361 3,787 SH   SOLE NONE 3,787 0 0
MCDONALD'S CORP COM 580135101 3 10 SH   DFND NONE 10 0 0
MCDONALD'S CORP COM 580135101 589 2,199 SH   SOLE NONE 2,199 0 0
MICROSOFT CORP COM 594918104 69 205 SH   DFND NONE 205 0 0
MICROSOFT CORP COM 594918104 3,978 11,827 SH   SOLE NONE 11,827 0 0
Masco Corp COM 574599106 2 30 SH   DFND NONE 30 0 0
Masco Corp COM 574599106 633 9,013 SH   SOLE NONE 9,013 0 0
NEXTERA ENERGY COM 65339F101 264 2,830 SH   DFND NONE 30 0 2,800
NEXTERA ENERGY COM 65339F101 690 7,388 SH   SOLE NONE 7,388 0 0
NIKE INC CL B 654106103 3 20 SH   DFND NONE 20 0 0
NIKE INC CL B 654106103 1,023 6,139 SH   SOLE NONE 6,139 0 0
NVIDIA Corp COM 67066G104 12 40 SH   DFND NONE 40 0 0
NVIDIA Corp COM 67066G104 1,712 5,822 SH   SOLE NONE 5,822 0 0
Norfolk Southern Corp COM 655844108 3 10 SH   DFND NONE 10 0 0
Norfolk Southern Corp COM 655844108 849 2,851 SH   SOLE NONE 2,851 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407 1,633 41,344 SH   SOLE NONE 41,344 0 0
Palo Alto Networks Inc COM 697435105 3 5 SH   DFND NONE 5 0 0
Palo Alto Networks Inc COM 697435105 815 1,463 SH   SOLE NONE 1,463 0 0
Pfizer Inc COM 717081103 4 60 SH   DFND NONE 60 0 0
Pfizer Inc COM 717081103 847 14,343 SH   SOLE NONE 14,343 0 0
Procter & Gamble Co/The COM 742718109 1,110 6,785 SH   DFND NONE 10 0 6,775
Procter & Gamble Co/The COM 742718109 419 2,561 SH   SOLE NONE 2,561 0 0
Royal Dutch Shell PLC SPONS ADR A 780259206 842 19,409 SH   DFND NONE 0 0 19,409
S&P Global Inc COM 78409V104 802 1,700 SH   DFND NONE 0 0 1,700
S&P Global Inc COM 78409V104 5 10 SH   SOLE NONE 10 0 0
SALESFORCE.COM INC COM 79466L302 10 40 SH   DFND NONE 40 0 0
SALESFORCE.COM INC COM 79466L302 1,189 4,679 SH   SOLE NONE 4,679 0 0
SEMPRA ENERGY COM 816851109 280 2,114 SH   DFND NONE 0 0 2,114
SPDR GOLD TRUST GOLD SHS 78463V107 154 900 SH   DFND NONE 900 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 107 625 SH   SOLE NONE 625 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749 826 14,617 SH   SOLE NONE 14,617 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 242 1,875 SH   SOLE NONE 1,875 0 0
STARBUCKS CORP COM 855244109 211 1,800 SH   DFND NONE 200 0 1,600
Schlumberger NV COM STK 806857108 1 40 SH   DFND NONE 40 0 0
Schlumberger NV COM STK 806857108 312 10,434 SH   SOLE NONE 10,434 0 0
TJX Cos Inc/The COM 872540109 2 30 SH   DFND NONE 30 0 0
TJX Cos Inc/The COM 872540109 534 7,033 SH   SOLE NONE 7,033 0 0
Tesla Inc COM 88160R101 11 10 SH   DFND NONE 10 0 0
Tesla Inc COM 88160R101 951 900 SH   SOLE NONE 900 0 0
Truist Financial Corp COM 89832Q109 4 60 SH   DFND NONE 60 0 0
Truist Financial Corp COM 89832Q109 937 15,996 SH   SOLE NONE 15,996 0 0
Unilever PLC SPON ADR NEW 904767704 976 18,143 SH   DFND NONE 0 0 18,143
Unilever PLC SPON ADR NEW 904767704 6 103 SH   SOLE NONE 103 0 0
WW Grainger Inc COM 384802104 3 5 SH   DFND NONE 5 0 0
WW Grainger Inc COM 384802104 742 1,432 SH   SOLE NONE 1,432 0 0
Walt Disney Co/The COM 254687106 43 276 SH   DFND NONE 10 0 266
Walt Disney Co/The COM 254687106 412 2,659 SH   SOLE NONE 2,659 0 0
ZIMMER HLDGS INC COM 98956P102 3 20 SH   DFND NONE 20 0 0
ZIMMER HLDGS INC COM 98956P102 710 5,591 SH   SOLE NONE 5,591 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 11 225 SH   DFND NONE 225 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 3,130 65,530 SH   SOLE NONE 65,530 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 51 400 SH   DFND NONE 400 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 4,291 33,345 SH   SOLE NONE 33,345 0 0