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 29 300 SH   DFND NONE 300 0 0
ALPHABET INC CAP STK CL A 02079K305 2,288 23,923 SH   SOLE NONE 23,923 0 0
ANALOG DEVICES INC COM 032654105 2 15 SH   DFND NONE 15 0 0
ANALOG DEVICES INC COM 032654105 597 4,287 SH   SOLE NONE 4,287 0 0
Abbott Laboratories COM 002824100 4 38 SH   DFND NONE 38 0 0
Abbott Laboratories COM 002824100 1,118 11,550 SH   SOLE NONE 11,550 0 0
Adobe Inc COM 00724F101 1 5 SH   DFND NONE 5 0 0
Adobe Inc COM 00724F101 429 1,560 SH   SOLE NONE 1,560 0 0
Amazon.com Inc COM 023135106 252 2,231 SH   DFND NONE 2,231 0 0
Amazon.com Inc COM 023135106 1,471 13,021 SH   SOLE NONE 13,021 0 0
American Tower Corp COM 03027X100 3 12 SH   DFND NONE 12 0 0
American Tower Corp COM 03027X100 796 3,706 SH   SOLE NONE 3,706 0 0
AmerisourceBergen Corp COM 03073E105 1 10 SH   DFND NONE 10 0 0
AmerisourceBergen Corp COM 03073E105 438 3,234 SH   SOLE NONE 3,234 0 0
Apple Inc COM 037833100 436 3,156 SH   DFND NONE 3,156 0 0
Apple Inc COM 037833100 2,526 18,278 SH   SOLE NONE 18,278 0 0
BOEING CO COM 097023105 10 80 SH   DFND NONE 80 0 0
BOEING CO COM 097023105 200 1,648 SH   SOLE NONE 1,648 0 0
BRISTOL-MYRS SQUIB COM 110122108 2 25 SH   DFND NONE 25 0 0
BRISTOL-MYRS SQUIB COM 110122108 564 7,940 SH   SOLE NONE 7,940 0 0
Biogen Inc COM 09062X103 188 705 SH   DFND NONE 5 0 700
Biogen Inc COM 09062X103 357 1,336 SH   SOLE NONE 1,336 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499 7 112 SH   DFND NONE 112 0 0
BlackRock Advisors LLC RUS MID CAP ETF 464287499 2,598 41,810 SH   SOLE NONE 41,810 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822 12 240 SH   DFND NONE 240 0 0
BlackRock Advisors LLC MSCI JPN ETF NEW 46434G822 3,734 76,432 SH   SOLE NONE 76,432 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372 1,881 44,973 SH   SOLE NONE 44,973 0 0
BlackRock Fund Advisors MBS ETF 464288588 2,306 25,179 SH   SOLE NONE 25,179 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 91 1,875 SH   DFND NONE 1,875 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 8,238 170,621 SH   SOLE NONE 170,621 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 158 3,200 SH   DFND NONE 3,200 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 9,721 197,251 SH   SOLE NONE 197,251 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 31 780 SH   DFND NONE 780 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738 9,680 244,805 SH   SOLE NONE 244,805 0 0
BlackRock Inc COM 09247X101 1 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101 326 592 SH   SOLE NONE 592 0 0
Blackstone Inc COM 09260D107 2 20 SH   DFND NONE 20 0 0
Blackstone Inc COM 09260D107 498 5,954 SH   SOLE NONE 5,954 0 0
CDW Corp/DE COM 12514G108 1 9 SH   DFND NONE 9 0 0
CDW Corp/DE COM 12514G108 416 2,664 SH   SOLE NONE 2,664 0 0
CISCO SYSTEMS COM 17275R102 1 33 SH   DFND NONE 33 0 0
CISCO SYSTEMS COM 17275R102 388 9,703 SH   SOLE NONE 9,703 0 0
COLGATE-PALMOLIVE COM 194162103 486 6,914 SH   DFND NONE 0 0 6,914
CVS Health Corp COM 126650100 3 35 SH   DFND NONE 35 0 0
CVS Health Corp COM 126650100 1,051 11,016 SH   SOLE NONE 11,016 0 0
Chevron Corp COM 166764100 1 9 SH   DFND NONE 9 0 0
Chevron Corp COM 166764100 410 2,851 SH   SOLE NONE 2,851 0 0
Chipotle Mexican Grill Inc COM 169656105 2 1 SH   DFND NONE 1 0 0
Chipotle Mexican Grill Inc COM 169656105 672 447 SH   SOLE NONE 447 0 0
Citigroup Inc COM NEW 172967424 10 235 SH   DFND NONE 25 0 210
Citigroup Inc COM NEW 172967424 325 7,794 SH   SOLE NONE 7,794 0 0
Coca-Cola Co/The COM 191216100 14 243 SH   DFND NONE 243 0 0
Coca-Cola Co/The COM 191216100 648 11,561 SH   SOLE NONE 11,561 0 0
Comcast Corp CL A 20030N101 2 65 SH   DFND NONE 65 0 0
Comcast Corp CL A 20030N101 555 18,915 SH   SOLE NONE 18,915 0 0
Costco Wholesale Corp COM 22160K105 3 7 SH   DFND NONE 7 0 0
Costco Wholesale Corp COM 22160K105 969 2,051 SH   SOLE NONE 2,051 0 0
DEERE & CO COM 244199105 2 5 SH   DFND NONE 5 0 0
DEERE & CO COM 244199105 550 1,646 SH   SOLE NONE 1,646 0 0
DuPont de Nemours Inc COM 26614N102 1 20 SH   DFND NONE 20 0 0
DuPont de Nemours Inc COM 26614N102 288 5,722 SH   SOLE NONE 5,722 0 0
EOG Resources Inc COM 26875P101 2 15 SH   DFND NONE 15 0 0
EOG Resources Inc COM 26875P101 513 4,591 SH   SOLE NONE 4,591 0 0
Estee Lauder Cos Inc/The CL A 518439104 2 10 SH   DFND NONE 10 0 0
Estee Lauder Cos Inc/The CL A 518439104 625 2,897 SH   SOLE NONE 2,897 0 0
Exxon Mobil Corp COM 30231G102 259 2,970 SH   DFND NONE 18 0 2,952
Exxon Mobil Corp COM 30231G102 621 7,110 SH   SOLE NONE 7,110 0 0
FACEBOOK INC CL A 30303M102 3 25 SH   DFND NONE 25 0 0
FACEBOOK INC CL A 30303M102 964 7,102 SH   SOLE NONE 7,102 0 0
FREEPORT-MCMOR C&G CL B 35671D857 1 31 SH   DFND NONE 31 0 0
FREEPORT-MCMOR C&G CL B 35671D857 245 8,975 SH   SOLE NONE 8,975 0 0
GEN DYNAMICS CORP COM 369550108 23 109 SH   DFND NONE 9 0 100
GEN DYNAMICS CORP COM 369550108 596 2,809 SH   SOLE NONE 2,809 0 0
HALLIBURTON COM 406216101 2 70 SH   DFND NONE 70 0 0
HALLIBURTON COM 406216101 501 20,331 SH   SOLE NONE 20,331 0 0
Home Depot Inc/The COM 437076102 57 207 SH   DFND NONE 7 0 200
Home Depot Inc/The COM 437076102 587 2,129 SH   SOLE NONE 2,129 0 0
Honeywell International Inc COM 438516106 2 13 SH   DFND NONE 13 0 0
Honeywell International Inc COM 438516106 711 4,258 SH   SOLE NONE 4,258 0 0
IBM COM 459200101 25 211 SH   DFND NONE 11 0 200
IBM COM 459200101 437 3,681 SH   SOLE NONE 3,681 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 2 25 SH   DFND NONE 25 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 658 7,287 SH   SOLE NONE 7,287 0 0
ISHARES CORE S&P500 ETF 464287200 11,376 31,719 SH   SOLE NONE 31,719 0 0
ISHARES RUSSELL 2000 ETF 464287655 5 30 SH   DFND NONE 30 0 0
ISHARES RUSSELL 2000 ETF 464287655 1,681 10,193 SH   SOLE NONE 10,193 0 0
ISHARES NEW YORK MUN ETF 464288323 1,769 34,970 SH   SOLE NONE 34,970 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 13 360 SH   DFND NONE 360 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,157 119,191 SH   SOLE NONE 119,191 0 0
Intel Corp COM 458140100 14 560 SH   DFND NONE 60 0 500
Intel Corp COM 458140100 440 17,082 SH   SOLE NONE 17,082 0 0
JPMorgan Chase & Co COM 46625H100 56 538 SH   DFND NONE 38 0 500
JPMorgan Chase & Co COM 46625H100 1,275 12,197 SH   SOLE NONE 12,197 0 0
Johnson & Johnson COM 478160104 170 1,041 SH   DFND NONE 91 0 950
Johnson & Johnson COM 478160104 542 3,319 SH   SOLE NONE 3,319 0 0
Kraft Foods Inc CL A 609207105 2 45 SH   DFND NONE 45 0 0
Kraft Foods Inc CL A 609207105 759 13,844 SH   SOLE NONE 13,844 0 0
MARSH & MCLENNAN COM 571748102 1 9 SH   DFND NONE 9 0 0
MARSH & MCLENNAN COM 571748102 414 2,774 SH   SOLE NONE 2,774 0 0
MASTERCARD INC CL A 57636Q104 4 14 SH   DFND NONE 14 0 0
MASTERCARD INC CL A 57636Q104 1,206 4,243 SH   SOLE NONE 4,243 0 0
MCDONALD'S CORP COM 580135101 2 7 SH   DFND NONE 7 0 0
MCDONALD'S CORP COM 580135101 456 1,978 SH   SOLE NONE 1,978 0 0
MICROSOFT CORP COM 594918104 47 200 SH   DFND NONE 200 0 0
MICROSOFT CORP COM 594918104 2,714 11,652 SH   SOLE NONE 11,652 0 0
Masco Corp COM 574599106 1 30 SH   DFND NONE 30 0 0
Masco Corp COM 574599106 446 9,549 SH   SOLE NONE 9,549 0 0
NEXTERA ENERGY COM 65339F101 221 2,820 SH   DFND NONE 20 0 2,800
NEXTERA ENERGY COM 65339F101 479 6,110 SH   SOLE NONE 6,110 0 0
NIKE INC CL B 654106103 2 28 SH   DFND NONE 28 0 0
NIKE INC CL B 654106103 681 8,193 SH   SOLE NONE 8,193 0 0
NVIDIA Corp COM 67066G104 5 45 SH   DFND NONE 45 0 0
NVIDIA Corp COM 67066G104 900 7,417 SH   SOLE NONE 7,417 0 0
Norfolk Southern Corp COM 655844108 2 10 SH   DFND NONE 10 0 0
Norfolk Southern Corp COM 655844108 642 3,064 SH   SOLE NONE 3,064 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407 1,791 47,640 SH   SOLE NONE 47,640 0 0
Palo Alto Networks Inc COM 697435105 2 13 SH   DFND NONE 13 0 0
Palo Alto Networks Inc COM 697435105 635 3,879 SH   SOLE NONE 3,879 0 0
Pfizer Inc COM 717081103 2 50 SH   DFND NONE 50 0 0
Pfizer Inc COM 717081103 686 15,679 SH   SOLE NONE 15,679 0 0
Procter & Gamble Co/The COM 742718109 737 5,834 SH   DFND NONE 9 0 5,825
Procter & Gamble Co/The COM 742718109 342 2,712 SH   SOLE NONE 2,712 0 0
S&P Global Inc COM 78409V104 519 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 40 SH   DFND NONE 40 0 0
SALESFORCE.COM INC COM 79466L302 648 4,507 SH   SOLE NONE 4,507 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749 977 25,241 SH   SOLE NONE 25,241 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 209 1,875 SH   SOLE NONE 1,875 0 0
STARBUCKS CORP COM 855244109 219 2,600 SH   DFND NONE 1,000 0 1,600
Schlumberger NV COM STK 806857108 1 35 SH   DFND NONE 35 0 0
Schlumberger NV COM STK 806857108 405 11,275 SH   SOLE NONE 11,275 0 0
Shell PLC SPON ADS 780259305 966 19,409 SH   DFND NONE 0 0 19,409
Shell PLC SPON ADS 780259305 3 60 SH   SOLE NONE 60 0 0
TJX Cos Inc/The COM 872540109 1 20 SH   DFND NONE 20 0 0
TJX Cos Inc/The COM 872540109 365 5,876 SH   SOLE NONE 5,876 0 0
Tesla Inc COM 88160R101 427 1,608 SH   DFND NONE 1,608 0 0
Truist Financial Corp COM 89832Q109 2 50 SH   DFND NONE 50 0 0
Truist Financial Corp COM 89832Q109 671 15,403 SH   SOLE NONE 15,403 0 0
Unilever PLC SPON ADR NEW 904767704 708 16,143 SH   DFND NONE 0 0 16,143
VANGUARD ETF/USA STRM INFPROIDX 922020805 43 895 SH   DFND NONE 895 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 5,410 112,441 SH   SOLE NONE 112,441 0 0
WW Grainger Inc COM 384802104 1 3 SH   DFND NONE 3 0 0
WW Grainger Inc COM 384802104 411 840 SH   SOLE NONE 840 0 0
Walt Disney Co/The COM 254687106 26 274 SH   DFND NONE 8 0 266
Walt Disney Co/The COM 254687106 250 2,645 SH   SOLE NONE 2,645 0 0
ZIMMER HLDGS INC COM 98956P102 2 18 SH   DFND NONE 18 0 0
ZIMMER HLDGS INC COM 98956P102 564 5,395 SH   SOLE NONE 5,395 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 7 190 SH   DFND NONE 190 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 2,234 59,547 SH   SOLE NONE 59,547 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440 2,707 28,197 SH   SOLE NONE 28,197 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 57 500 SH   DFND NONE 500 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 3,937 34,454 SH   SOLE NONE 34,454 0 0