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 6 SH   DFND NONE 6 0 0
ACCENTURE SHS CLASS A G1151C101 571 1,692 SH   SOLE NONE 1,692 0 0
ALPHABET INC CAP STK CL A 02079K305 42 15 SH   DFND NONE 15 0 0
ALPHABET INC CAP STK CL A 02079K305 2,893 1,040 SH   SOLE NONE 1,040 0 0
ANALOG DEVICES INC COM 032654105 2 15 SH   DFND NONE 15 0 0
ANALOG DEVICES INC COM 032654105 688 4,167 SH   SOLE NONE 4,167 0 0
Abbott Laboratories COM 002824100 4 35 SH   DFND NONE 35 0 0
Abbott Laboratories COM 002824100 1,310 11,068 SH   SOLE NONE 11,068 0 0
Activision Blizzard Inc COM 00507V109 2 20 SH   DFND NONE 20 0 0
Activision Blizzard Inc COM 00507V109 477 5,959 SH   SOLE NONE 5,959 0 0
Adobe Inc COM 00724F101 2 4 SH   DFND NONE 4 0 0
Adobe Inc COM 00724F101 574 1,260 SH   SOLE NONE 1,260 0 0
Amazon.com Inc COM 023135106 365 112 SH   DFND NONE 112 0 0
Amazon.com Inc COM 023135106 2,302 706 SH   SOLE NONE 706 0 0
American Tower Corp COM 03027X100 3 10 SH   DFND NONE 10 0 0
American Tower Corp COM 03027X100 937 3,728 SH   SOLE NONE 3,728 0 0
AmerisourceBergen Corp COM 03073E105 2 10 SH   DFND NONE 10 0 0
AmerisourceBergen Corp COM 03073E105 461 2,978 SH   SOLE NONE 2,978 0 0
Apple Inc COM 037833100 740 4,240 SH   DFND NONE 4,240 0 0
Apple Inc COM 037833100 3,501 20,053 SH   SOLE NONE 20,053 0 0
BOEING CO COM 097023105 16 82 SH   DFND NONE 82 0 0
BOEING CO COM 097023105 382 1,993 SH   SOLE NONE 1,993 0 0
BRISTOL-MYRS SQUIB COM 110122108 2 25 SH   DFND NONE 25 0 0
BRISTOL-MYRS SQUIB COM 110122108 583 7,981 SH   SOLE NONE 7,981 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499 9 112 SH   DFND NONE 112 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499 3,340 42,799 SH   SOLE NONE 42,799 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822 16 255 SH   DFND NONE 255 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822 5,126 83,204 SH   SOLE NONE 83,204 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372 1,006 19,774 SH   SOLE NONE 19,774 0 0
BlackRock Fund Advisors MBS ETF 464288588 2,452 24,066 SH   SOLE NONE 24,066 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 104 1,900 SH   DFND NONE 1,900 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 8,800 160,388 SH   SOLE NONE 160,388 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 160 3,100 SH   DFND NONE 3,100 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 10,410 201,273 SH   SOLE NONE 201,273 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 42 780 SH   DFND NONE 780 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 13,553 253,803 SH   SOLE NONE 253,803 0 0
BlackRock Inc COM 09247X101 2 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101 488 638 SH   SOLE NONE 638 0 0
Blackstone Inc COM 09260D107 2 18 SH   DFND NONE 18 0 0
Blackstone Inc COM 09260D107 701 5,519 SH   SOLE NONE 5,519 0 0
CISCO SYSTEMS COM 17275R102 2 30 SH   DFND NONE 30 0 0
CISCO SYSTEMS COM 17275R102 493 8,847 SH   SOLE NONE 8,847 0 0
COLGATE-PALMOLIVE COM 194162103 618 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 1,177 11,630 SH   SOLE NONE 11,630 0 0
Chevron Corp COM 166764100 1 8 SH   DFND NONE 8 0 0
Chevron Corp COM 166764100 394 2,420 SH   SOLE NONE 2,420 0 0
Chipotle Mexican Grill Inc COM 169656105 3 2 SH   DFND NONE 2 0 0
Chipotle Mexican Grill Inc COM 169656105 685 433 SH   SOLE NONE 433 0 0
Citigroup Inc COM NEW 172967424 13 235 SH   DFND NONE 25 0 210
Citigroup Inc COM NEW 172967424 404 7,569 SH   SOLE NONE 7,569 0 0
Coca-Cola Co/The COM 191216100 15 245 SH   DFND NONE 245 0 0
Coca-Cola Co/The COM 191216100 716 11,541 SH   SOLE NONE 11,541 0 0
Comcast Corp CL A 20030N101 2 50 SH   DFND NONE 50 0 0
Comcast Corp CL A 20030N101 726 15,508 SH   SOLE NONE 15,508 0 0
Costco Wholesale Corp COM 22160K105 4 7 SH   DFND NONE 7 0 0
Costco Wholesale Corp COM 22160K105 1,229 2,134 SH   SOLE NONE 2,134 0 0
DEERE & CO COM 244199105 2 5 SH   DFND NONE 5 0 0
DEERE & CO COM 244199105 614 1,479 SH   SOLE NONE 1,479 0 0
DuPont de Nemours Inc COM 26614N102 1 18 SH   DFND NONE 18 0 0
DuPont de Nemours Inc COM 26614N102 368 5,002 SH   SOLE NONE 5,002 0 0
ECOLAB INC COM 278865100 1 5 SH   DFND NONE 5 0 0
ECOLAB INC COM 278865100 331 1,877 SH   SOLE NONE 1,877 0 0
EOG Resources Inc COM 26875P101 2 15 SH   DFND NONE 15 0 0
EOG Resources Inc COM 26875P101 508 4,257 SH   SOLE NONE 4,257 0 0
Eli Lilly & Co COM 532457108 3 10 SH   DFND NONE 10 0 0
Eli Lilly & Co COM 532457108 685 2,393 SH   SOLE NONE 2,393 0 0
Estee Lauder Cos Inc/The CL A 518439104 3 10 SH   DFND NONE 10 0 0
Estee Lauder Cos Inc/The CL A 518439104 888 3,261 SH   SOLE NONE 3,261 0 0
Exxon Mobil Corp COM 30231G102 245 2,969 SH   DFND NONE 17 0 2,952
Exxon Mobil Corp COM 30231G102 602 7,284 SH   SOLE NONE 7,284 0 0
Facebook Inc CL A 30303M102 3 15 SH   DFND NONE 15 0 0
Facebook Inc CL A 30303M102 1,016 4,568 SH   SOLE NONE 4,568 0 0
FlexShares ETFs/USA MORNSTAR UPSTR 33939L407 2,138 45,661 SH   SOLE NONE 45,661 0 0
GEN DYNAMICS CORP COM 369550108 27 110 SH   DFND NONE 10 0 100
GEN DYNAMICS CORP COM 369550108 721 2,988 SH   SOLE NONE 2,988 0 0
HALLIBURTON COM 406216101 2 45 SH   DFND NONE 45 0 0
HALLIBURTON COM 406216101 522 13,778 SH   SOLE NONE 13,778 0 0
Home Depot Inc/The COM 437076102 62 207 SH   DFND NONE 7 0 200
Home Depot Inc/The COM 437076102 637 2,128 SH   SOLE NONE 2,128 0 0
Honeywell International Inc COM 438516106 3 13 SH   DFND NONE 13 0 0
Honeywell International Inc COM 438516106 803 4,126 SH   SOLE NONE 4,126 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 3 25 SH   DFND NONE 25 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 939 7,104 SH   SOLE NONE 7,104 0 0
INTL BUSINESS MCHN COM 459200101 27 210 SH   DFND NONE 10 0 200
INTL BUSINESS MCHN COM 459200101 464 3,572 SH   SOLE NONE 3,572 0 0
ISHARES CORE S&P500 ETF 464287200 16,534 36,443 SH   SOLE NONE 36,443 0 0
ISHARES RUSSELL 2000 ETF 464287655 6 30 SH   DFND NONE 30 0 0
ISHARES RUSSELL 2000 ETF 464287655 2,233 10,879 SH   SOLE NONE 10,879 0 0
ISHARES NEW YORK MUN ETF 464288323 4,048 74,200 SH   SOLE NONE 74,200 0 0
ISHARES S&P GSCI UNIT BEN INT 46428R107 291 12,868 SH   SOLE NONE 12,868 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 24 525 SH   DFND NONE 525 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 7,809 172,959 SH   SOLE NONE 172,959 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 2,914 27,111 SH   SOLE NONE 27,111 0 0
Intel Corp COM 458140100 27 540 SH   DFND NONE 40 0 500
Intel Corp COM 458140100 584 11,780 SH   SOLE NONE 11,780 0 0
JPMorgan Chase & Co COM 46625H100 73 538 SH   DFND NONE 38 0 500
JPMorgan Chase & Co COM 46625H100 1,660 12,177 SH   SOLE NONE 12,177 0 0
Johnson & Johnson COM 478160104 184 1,040 SH   DFND NONE 90 0 950
Johnson & Johnson COM 478160104 578 3,261 SH   SOLE NONE 3,261 0 0
Kraft Foods Inc CL A 609207105 3 50 SH   DFND NONE 50 0 0
Kraft Foods Inc CL A 609207105 902 14,370 SH   SOLE NONE 14,370 0 0
MARSH & MCLENNAN COM 571748102 2 10 SH   DFND NONE 10 0 0
MARSH & MCLENNAN COM 571748102 486 2,850 SH   SOLE NONE 2,850 0 0
MASTERCARD INC CL A 57636Q104 5 15 SH   DFND NONE 15 0 0
MASTERCARD INC CL A 57636Q104 1,509 4,223 SH   SOLE NONE 4,223 0 0
MCDONALD'S CORP COM 580135101 2 8 SH   DFND NONE 8 0 0
MCDONALD'S CORP COM 580135101 552 2,233 SH   SOLE NONE 2,233 0 0
MICROSOFT CORP COM 594918104 62 200 SH   DFND NONE 200 0 0
MICROSOFT CORP COM 594918104 3,661 11,875 SH   SOLE NONE 11,875 0 0
Masco Corp COM 574599106 2 30 SH   DFND NONE 30 0 0
Masco Corp COM 574599106 479 9,396 SH   SOLE NONE 9,396 0 0
NEXTERA ENERGY COM 65339F101 239 2,825 SH   DFND NONE 25 0 2,800
NEXTERA ENERGY COM 65339F101 628 7,411 SH   SOLE NONE 7,411 0 0
NIKE INC CL B 654106103 3 25 SH   DFND NONE 25 0 0
NIKE INC CL B 654106103 1,088 8,088 SH   SOLE NONE 8,088 0 0
NVIDIA Corp COM 67066G104 11 40 SH   DFND NONE 40 0 0
NVIDIA Corp COM 67066G104 1,493 5,472 SH   SOLE NONE 5,472 0 0
Norfolk Southern Corp COM 655844108 3 10 SH   DFND NONE 10 0 0
Norfolk Southern Corp COM 655844108 781 2,737 SH   SOLE NONE 2,737 0 0
Palo Alto Networks Inc COM 697435105 3 5 SH   DFND NONE 5 0 0
Palo Alto Networks Inc COM 697435105 960 1,542 SH   SOLE NONE 1,542 0 0
Pfizer Inc COM 717081103 2 45 SH   DFND NONE 45 0 0
Pfizer Inc COM 717081103 705 13,623 SH   SOLE NONE 13,623 0 0
Procter & Gamble Co/The COM 742718109 892 5,835 SH   DFND NONE 10 0 5,825
Procter & Gamble Co/The COM 742718109 409 2,674 SH   SOLE NONE 2,674 0 0
S&P Global Inc COM 78409V104 697 1,700 SH   DFND NONE 0 0 1,700
S&P Global Inc COM 78409V104 4 10 SH   SOLE NONE 10 0 0
SALESFORCE.COM INC COM 79466L302 8 40 SH   DFND NONE 40 0 0
SALESFORCE.COM INC COM 79466L302 973 4,583 SH   SOLE NONE 4,583 0 0
SEMPRA ENERGY COM 816851109 355 2,114 SH   DFND NONE 0 0 2,114
SPDR GOLD TRUST GOLD SHS 78463V107 163 900 SH   DFND NONE 900 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 79 435 SH   SOLE NONE 435 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749 924 17,111 SH   SOLE NONE 17,111 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 240 1,875 SH   SOLE NONE 1,875 0 0
Schlumberger NV COM STK 806857108 1 30 SH   DFND NONE 30 0 0
Schlumberger NV COM STK 806857108 410 9,918 SH   SOLE NONE 9,918 0 0
TJX Cos Inc/The COM 872540109 2 25 SH   DFND NONE 25 0 0
TJX Cos Inc/The COM 872540109 462 7,632 SH   SOLE NONE 7,632 0 0
Tesla Inc COM 88160R101 975 905 SH   DFND NONE 905 0 0
Truist Financial Corp COM 89832Q109 3 55 SH   DFND NONE 55 0 0
Truist Financial Corp COM 89832Q109 937 16,530 SH   SOLE NONE 16,530 0 0
Unilever PLC SPON ADR NEW 904767704 736 16,143 SH   DFND NONE 0 0 16,143
VANGUARD ETF/USA STRM INFPROIDX 922020805 36 695 SH   DFND NONE 695 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 4,163 81,297 SH   SOLE NONE 81,297 0 0
WW Grainger Inc COM 384802104 2 3 SH   DFND NONE 3 0 0
WW Grainger Inc COM 384802104 457 886 SH   SOLE NONE 886 0 0
Walt Disney Co/The COM 254687106 38 274 SH   DFND NONE 8 0 266
Walt Disney Co/The COM 254687106 385 2,804 SH   SOLE NONE 2,804 0 0
ZIMMER HLDGS INC COM 98956P102 3 20 SH   DFND NONE 20 0 0
ZIMMER HLDGS INC COM 98956P102 723 5,651 SH   SOLE NONE 5,651 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 10 200 SH   DFND NONE 200 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 3,159 64,190 SH   SOLE NONE 64,190 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 61 500 SH   DFND NONE 500 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 4,288 35,135 SH   SOLE NONE 35,135 0 0