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
ALPHABET INC CAP STK CL A 02079K305 33 15 SH   DFND NONE 15 0 0
ALPHABET INC CAP STK CL A 02079K305 2,460 1,129 SH   SOLE NONE 1,129 0 0
ANALOG DEVICES INC COM 032654105 2 15 SH   DFND NONE 15 0 0
ANALOG DEVICES INC COM 032654105 651 4,455 SH   SOLE NONE 4,455 0 0
Abbott Laboratories COM 002824100 4 35 SH   DFND NONE 35 0 0
Abbott Laboratories COM 002824100 1,235 11,366 SH   SOLE NONE 11,366 0 0
Adobe Inc COM 00724F101 1 4 SH   DFND NONE 4 0 0
Adobe Inc COM 00724F101 473 1,293 SH   SOLE NONE 1,293 0 0
Alphabet Inc CAP STK CL C 02079K107 175 80 SH   DFND NONE 80 0 0
Alphabet Inc CAP STK CL C 02079K107 52 24 SH   SOLE NONE 24 0 0
Amazon.com Inc COM 023135106 273 2,567 SH   DFND NONE 2,567 0 0
Amazon.com Inc COM 023135106 1,508 14,197 SH   SOLE NONE 14,197 0 0
American Tower Corp COM 03027X100 3 10 SH   DFND NONE 10 0 0
American Tower Corp COM 03027X100 893 3,492 SH   SOLE NONE 3,492 0 0
AmerisourceBergen Corp COM 03073E105 1 10 SH   DFND NONE 10 0 0
AmerisourceBergen Corp COM 03073E105 462 3,264 SH   SOLE NONE 3,264 0 0
Apple Inc COM 037833100 476 3,480 SH   DFND NONE 3,480 0 0
Apple Inc COM 037833100 2,769 20,252 SH   SOLE NONE 20,252 0 0
BOEING CO COM 097023105 11 80 SH   DFND NONE 80 0 0
BOEING CO COM 097023105 233 1,702 SH   SOLE NONE 1,702 0 0
BRISTOL-MYRS SQUIB COM 110122108 2 25 SH   DFND NONE 25 0 0
BRISTOL-MYRS SQUIB COM 110122108 600 7,790 SH   SOLE NONE 7,790 0 0
Biogen Inc COM 09062X103 144 706 SH   DFND NONE 6 0 700
Biogen Inc COM 09062X103 371 1,820 SH   SOLE NONE 1,820 0 0
BlackRock Inc COM 09247X101 1 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101 352 578 SH   SOLE NONE 578 0 0
Blackstone Inc COM 09260D107 2 18 SH   DFND NONE 18 0 0
Blackstone Inc COM 09260D107 518 5,677 SH   SOLE NONE 5,677 0 0
CDW Corp/DE COM 12514G108 2 10 SH   DFND NONE 10 0 0
CDW Corp/DE COM 12514G108 439 2,786 SH   SOLE NONE 2,786 0 0
CISCO SYSTEMS COM 17275R102 1 35 SH   DFND NONE 35 0 0
CISCO SYSTEMS COM 17275R102 418 9,814 SH   SOLE NONE 9,814 0 0
COLGATE-PALMOLIVE COM 194162103 653 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 1,134 12,233 SH   SOLE NONE 12,233 0 0
Chevron Corp COM 166764100 1 10 SH   DFND NONE 10 0 0
Chevron Corp COM 166764100 436 3,013 SH   SOLE NONE 3,013 0 0
Chipotle Mexican Grill Inc COM 169656105 3 2 SH   DFND NONE 2 0 0
Chipotle Mexican Grill Inc COM 169656105 727 556 SH   SOLE NONE 556 0 0
Citigroup Inc COM NEW 172967424 11 235 SH   DFND NONE 25 0 210
Citigroup Inc COM NEW 172967424 351 7,637 SH   SOLE NONE 7,637 0 0
Coca-Cola Co/The COM 191216100 15 240 SH   DFND NONE 240 0 0
Coca-Cola Co/The COM 191216100 719 11,424 SH   SOLE NONE 11,424 0 0
Comcast Corp CL A 20030N101 2 50 SH   DFND NONE 50 0 0
Comcast Corp CL A 20030N101 634 16,157 SH   SOLE NONE 16,157 0 0
Costco Wholesale Corp COM 22160K105 3 7 SH   DFND NONE 7 0 0
Costco Wholesale Corp COM 22160K105 1,077 2,247 SH   SOLE NONE 2,247 0 0
DEERE & CO COM 244199105 2 6 SH   DFND NONE 6 0 0
DEERE & CO COM 244199105 573 1,914 SH   SOLE NONE 1,914 0 0
DuPont de Nemours Inc COM 26614N102 1 18 SH   DFND NONE 18 0 0
DuPont de Nemours Inc COM 26614N102 306 5,501 SH   SOLE NONE 5,501 0 0
EOG Resources Inc COM 26875P101 2 15 SH   DFND NONE 15 0 0
EOG Resources Inc COM 26875P101 533 4,829 SH   SOLE NONE 4,829 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 697 2,737 SH   SOLE NONE 2,737 0 0
Exxon Mobil Corp COM 30231G102 254 2,969 SH   DFND NONE 17 0 2,952
Exxon Mobil Corp COM 30231G102 642 7,496 SH   SOLE NONE 7,496 0 0
FACEBOOK INC CL A 30303M102 3 20 SH   DFND NONE 20 0 0
FACEBOOK INC CL A 30303M102 1,031 6,391 SH   SOLE NONE 6,391 0 0
FREEPORT-MCMOR C&G CL B 35671D857 1 30 SH   DFND NONE 30 0 0
FREEPORT-MCMOR C&G CL B 35671D857 253 8,663 SH   SOLE NONE 8,663 0 0
FlexShares ETFs/USA MORNSTAR UPSTR 33939L407 1,897 47,824 SH   SOLE NONE 47,824 0 0
GEN DYNAMICS CORP COM 369550108 24 110 SH   DFND NONE 10 0 100
GEN DYNAMICS CORP COM 369550108 663 2,997 SH   SOLE NONE 2,997 0 0
HALLIBURTON COM 406216101 2 55 SH   DFND NONE 55 0 0
HALLIBURTON COM 406216101 535 17,058 SH   SOLE NONE 17,058 0 0
Home Depot Inc/The COM 437076102 57 207 SH   DFND NONE 7 0 200
Home Depot Inc/The COM 437076102 622 2,269 SH   SOLE NONE 2,269 0 0
Honeywell International Inc COM 438516106 2 13 SH   DFND NONE 13 0 0
Honeywell International Inc COM 438516106 770 4,428 SH   SOLE NONE 4,428 0 0
IBM COM 459200101 30 210 SH   DFND NONE 10 0 200
IBM COM 459200101 497 3,521 SH   SOLE NONE 3,521 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 2 25 SH   DFND NONE 25 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 697 7,409 SH   SOLE NONE 7,409 0 0
ISHARES CORE S&P500 ETF 464287200 12,123 31,975 SH   SOLE NONE 31,975 0 0
ISHARES RUSSELL 2000 ETF 464287655 5 30 SH   DFND NONE 30 0 0
ISHARES RUSSELL 2000 ETF 464287655 1,786 10,545 SH   SOLE NONE 10,545 0 0
ISHARES NEW YORK MUN ETF 464288323 2,105 40,015 SH   SOLE NONE 40,015 0 0
ISHARES S&P GSCI UNIT BEN INT 46428R107 297 12,868 SH   SOLE NONE 12,868 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 20 505 SH   DFND NONE 505 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 6,407 159,779 SH   SOLE NONE 159,779 0 0
Intel Corp COM 458140100 20 540 SH   DFND NONE 40 0 500
Intel Corp COM 458140100 487 13,006 SH   SOLE NONE 13,006 0 0
JPMorgan Chase & Co COM 46625H100 61 538 SH   DFND NONE 38 0 500
JPMorgan Chase & Co COM 46625H100 1,366 12,131 SH   SOLE NONE 12,131 0 0
Johnson & Johnson COM 478160104 185 1,042 SH   DFND NONE 92 0 950
Johnson & Johnson COM 478160104 591 3,328 SH   SOLE NONE 3,328 0 0
Kraft Foods Inc CL A 609207105 3 45 SH   DFND NONE 45 0 0
Kraft Foods Inc CL A 609207105 853 13,733 SH   SOLE NONE 13,733 0 0
MARSH & MCLENNAN COM 571748102 2 10 SH   DFND NONE 10 0 0
MARSH & MCLENNAN COM 571748102 438 2,822 SH   SOLE NONE 2,822 0 0
MASTERCARD INC CL A 57636Q104 4 13 SH   DFND NONE 13 0 0
MASTERCARD INC CL A 57636Q104 1,276 4,045 SH   SOLE NONE 4,045 0 0
MCDONALD'S CORP COM 580135101 2 8 SH   DFND NONE 8 0 0
MCDONALD'S CORP COM 580135101 509 2,062 SH   SOLE NONE 2,062 0 0
MICROSOFT CORP COM 594918104 51 200 SH   DFND NONE 200 0 0
MICROSOFT CORP COM 594918104 2,950 11,486 SH   SOLE NONE 11,486 0 0
Masco Corp COM 574599106 2 30 SH   DFND NONE 30 0 0
Masco Corp COM 574599106 498 9,836 SH   SOLE NONE 9,836 0 0
NEXTERA ENERGY COM 65339F101 218 2,820 SH   DFND NONE 20 0 2,800
NEXTERA ENERGY COM 65339F101 531 6,858 SH   SOLE NONE 6,858 0 0
NIKE INC CL B 654106103 3 25 SH   DFND NONE 25 0 0
NIKE INC CL B 654106103 811 7,935 SH   SOLE NONE 7,935 0 0
NVIDIA Corp COM 67066G104 6 40 SH   DFND NONE 40 0 0
NVIDIA Corp COM 67066G104 917 6,047 SH   SOLE NONE 6,047 0 0
Norfolk Southern Corp COM 655844108 2 10 SH   DFND NONE 10 0 0
Norfolk Southern Corp COM 655844108 711 3,126 SH   SOLE NONE 3,126 0 0
Palo Alto Networks Inc COM 697435105 2 4 SH   DFND NONE 4 0 0
Palo Alto Networks Inc COM 697435105 682 1,380 SH   SOLE NONE 1,380 0 0
Pfizer Inc COM 717081103 2 45 SH   DFND NONE 45 0 0
Pfizer Inc COM 717081103 775 14,773 SH   SOLE NONE 14,773 0 0
Procter & Gamble Co/The COM 742718109 839 5,835 SH   DFND NONE 10 0 5,825
Procter & Gamble Co/The COM 742718109 388 2,697 SH   SOLE NONE 2,697 0 0
S&P Global Inc COM 78409V104 573 1,700 SH   DFND NONE 0 0 1,700
S&P Global Inc COM 78409V104 3 10 SH   SOLE NONE 10 0 0
SALESFORCE.COM INC COM 79466L302 6 38 SH   DFND NONE 38 0 0
SALESFORCE.COM INC COM 79466L302 674 4,083 SH   SOLE NONE 4,083 0 0
SEMPRA ENERGY COM 816851109 318 2,114 SH   DFND NONE 0 0 2,114
SPDR GOLD TRUST GOLD SHS 78463V107 152 900 SH   DFND NONE 900 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 73 435 SH   SOLE NONE 435 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749 810 18,344 SH   SOLE NONE 18,344 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 223 1,875 SH   SOLE NONE 1,875 0 0
Schlumberger NV COM STK 806857108 1 40 SH   DFND NONE 40 0 0
Schlumberger NV COM STK 806857108 430 12,016 SH   SOLE NONE 12,016 0 0
Shell PLC None 780259305 1,015 19,409 SH   DFND NONE 0 0 19,409
TJX Cos Inc/The COM 872540109 1 20 SH   DFND NONE 20 0 0
TJX Cos Inc/The COM 872540109 366 6,559 SH   SOLE NONE 6,559 0 0
Tesla Inc COM 88160R101 409 607 SH   DFND NONE 607 0 0
Truist Financial Corp COM 89832Q109 2 50 SH   DFND NONE 50 0 0
Truist Financial Corp COM 89832Q109 715 15,082 SH   SOLE NONE 15,082 0 0
Unilever PLC SPON ADR NEW 904767704 740 16,143 SH   DFND NONE 0 0 16,143
VANGUARD ETF/USA STRM INFPROIDX 922020805 34 680 SH   DFND NONE 680 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 4,203 83,865 SH   SOLE NONE 83,865 0 0
WW Grainger Inc COM 384802104 1 3 SH   DFND NONE 3 0 0
WW Grainger Inc COM 384802104 424 934 SH   SOLE NONE 934 0 0
Walt Disney Co/The COM 254687106 26 274 SH   DFND NONE 8 0 266
Walt Disney Co/The COM 254687106 267 2,830 SH   SOLE NONE 2,830 0 0
ZIMMER HLDGS INC COM 98956P102 2 18 SH   DFND NONE 18 0 0
ZIMMER HLDGS INC COM 98956P102 604 5,748 SH   SOLE NONE 5,748 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 8 200 SH   DFND NONE 200 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 2,569 61,697 SH   SOLE NONE 61,697 0 0
iShares ETFs/USA BARCLAYS 7 10 YR 464287440 2,798 27,348 SH   SOLE NONE 27,348 0 0
iShares ETFs/USA RUS MID CAP ETF 464287499 7 112 SH   DFND NONE 112 0 0
iShares ETFs/USA RUS MID CAP ETF 464287499 2,675 41,365 SH   SOLE NONE 41,365 0 0
iShares ETFs/USA GLB INFRASTR ETF 464288372 1,498 32,041 SH   SOLE NONE 32,041 0 0
iShares ETFs/USA MBS ETF 464288588 2,339 23,994 SH   SOLE NONE 23,994 0 0
iShares ETFs/USA ISHS 5-10YR INVT 464288638 97 1,900 SH   DFND NONE 1,900 0 0
iShares ETFs/USA ISHS 5-10YR INVT 464288638 8,510 166,671 SH   SOLE NONE 166,671 0 0
iShares ETFs/USA ISHS 1-5YR INVS 464288646 177 3,500 SH   DFND NONE 3,500 0 0
iShares ETFs/USA ISHS 1-5YR INVS 464288646 10,832 214,292 SH   SOLE NONE 214,292 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 60 500 SH   DFND NONE 500 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 4,403 36,892 SH   SOLE NONE 36,892 0 0
iShares ETFs/USA MSCI JPN ETF NEW 46434G822 13 255 SH   DFND NONE 255 0 0
iShares ETFs/USA MSCI JPN ETF NEW 46434G822 4,240 80,263 SH   SOLE NONE 80,263 0 0
iShares ETFs/USA CORE MSCI EURO 46434V738 35 780 SH   DFND NONE 780 0 0
iShares ETFs/USA CORE MSCI EURO 46434V738 10,993 244,508 SH   SOLE NONE 244,508 0 0