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
ALPHABET INC CAP STK CL A 02079K305   30,082 290 SH   DFND NONE 290 0 0
ALPHABET INC CAP STK CL A 02079K305   2,126,361 20,499 SH   SOLE NONE 20,499 0 0
ANALOG DEVICES INC COM 032654105   2,367 12 SH   DFND NONE 12 0 0
ANALOG DEVICES INC COM 032654105   740,167 3,753 SH   SOLE NONE 3,753 0 0
AT&T INC COM 00206R102   58,809 3,055 SH   DFND NONE 55 0 3,000
AT&T INC COM 00206R102   302,129 15,695 SH   SOLE NONE 15,695 0 0
Abbott Laboratories COM 002824100   3,038 30 SH   DFND NONE 30 0 0
Abbott Laboratories COM 002824100   992,348 9,800 SH   SOLE NONE 9,800 0 0
Adobe Inc COM 00724F101   1,156 3 SH   DFND NONE 3 0 0
Adobe Inc COM 00724F101   420,439 1,091 SH   SOLE NONE 1,091 0 0
Amazon.com Inc COM 023135106   230,440 2,231 SH   DFND NONE 2,231 0 0
Amazon.com Inc COM 023135106   1,291,951 12,508 SH   SOLE NONE 12,508 0 0
American Tower Corp COM 03027X100   2,043 10 SH   DFND NONE 10 0 0
American Tower Corp COM 03027X100   713,555 3,492 SH   SOLE NONE 3,492 0 0
AmerisourceBergen Corp COM 03073E105   1,601 10 SH   DFND NONE 10 0 0
AmerisourceBergen Corp COM 03073E105   451,830 2,822 SH   SOLE NONE 2,822 0 0
Apple Inc COM 037833100   519,600 3,151 SH   DFND NONE 3,151 0 0
Apple Inc COM 037833100   2,677,646 16,238 SH   SOLE NONE 16,238 0 0
BOEING CO COM 097023105   17,207 81 SH   DFND NONE 81 0 0
BOEING CO COM 097023105   326,080 1,535 SH   SOLE NONE 1,535 0 0
BRISTOL-MYRS SQUIB COM 110122108   1,733 25 SH   DFND NONE 25 0 0
BRISTOL-MYRS SQUIB COM 110122108   502,636 7,252 SH   SOLE NONE 7,252 0 0
Bath & Body Works Inc COM 070830104   915 25 SH   DFND NONE 25 0 0
Bath & Body Works Inc COM 070830104   270,655 7,399 SH   SOLE NONE 7,399 0 0
Biogen Inc COM 09062X103   196,289 706 SH   DFND NONE 6 0 700
Biogen Inc COM 09062X103   481,548 1,732 SH   SOLE NONE 1,732 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   7,831 112 SH   DFND NONE 112 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   2,686,326 38,420 SH   SOLE NONE 38,420 0 0
BlackRock Fund Advisors GLB INFRASTR ETF 464288372   1,257,754 26,368 SH   SOLE NONE 26,368 0 0
BlackRock Fund Advisors MBS ETF 464288588   43,576 460 SH   DFND NONE 460 0 0
BlackRock Fund Advisors MBS ETF 464288588   3,308,161 34,922 SH   SOLE NONE 34,922 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   106,406 2,075 SH   DFND NONE 2,075 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   8,773,239 171,085 SH   SOLE NONE 171,085 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   72,778 1,440 SH   DFND NONE 1,440 0 0
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   8,184,195 161,935 SH   SOLE NONE 161,935 0 0
BlackRock Fund Advisors None 464289511   22,266 425 SH   DFND NONE 425 0 0
BlackRock Fund Advisors None 464289511   1,303,044 24,872 SH   SOLE NONE 24,872 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   15,259 260 SH   DFND NONE 260 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   4,570,014 77,867 SH   SOLE NONE 77,867 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   40,856 780 SH   DFND NONE 780 0 0
BlackRock Fund Advisors CORE MSCI EURO 46434V738   11,996,749 229,033 SH   SOLE NONE 229,033 0 0
BlackRock Inc COM 09247X101   1,338 2 SH   DFND NONE 2 0 0
BlackRock Inc COM 09247X101   358,648 536 SH   SOLE NONE 536 0 0
Blackstone Inc COM 09260D107   1,757 20 SH   DFND NONE 20 0 0
Blackstone Inc COM 09260D107   564,021 6,421 SH   SOLE NONE 6,421 0 0
CDW Corp/DE COM 12514G108   1,754 9 SH   DFND NONE 9 0 0
CDW Corp/DE COM 12514G108   502,037 2,576 SH   SOLE NONE 2,576 0 0
CISCO SYSTEMS COM 17275R102   2,143 41 SH   DFND NONE 41 0 0
CISCO SYSTEMS COM 17275R102   643,871 12,317 SH   SOLE NONE 12,317 0 0
COLGATE-PALMOLIVE COM 194162103   456,461 6,074 SH   DFND NONE 0 0 6,074
CVS Health Corp COM 126650100   2,601 35 SH   DFND NONE 35 0 0
CVS Health Corp COM 126650100   774,087 10,417 SH   SOLE NONE 10,417 0 0
Charles Schwab Corp/The COM 808513105   1,048 20 SH   DFND NONE 20 0 0
Charles Schwab Corp/The COM 808513105   281,071 5,366 SH   SOLE NONE 5,366 0 0
Chevron Corp COM 166764100   1,468 9 SH   DFND NONE 9 0 0
Chevron Corp COM 166764100   400,231 2,453 SH   SOLE NONE 2,453 0 0
Chipotle Mexican Grill Inc COM 169656105   3,417 2 SH   DFND NONE 2 0 0
Chipotle Mexican Grill Inc COM 169656105   910,519 533 SH   SOLE NONE 533 0 0
Coca-Cola Co/The COM 191216100   14,887 240 SH   DFND NONE 240 0 0
Coca-Cola Co/The COM 191216100   614,345 9,904 SH   SOLE NONE 9,904 0 0
Comcast Corp CL A 20030N101   1,516 40 SH   DFND NONE 40 0 0
Comcast Corp CL A 20030N101   516,713 13,630 SH   SOLE NONE 13,630 0 0
Costco Wholesale Corp COM 22160K105   3,478 7 SH   DFND NONE 7 0 0
Costco Wholesale Corp COM 22160K105   958,959 1,930 SH   SOLE NONE 1,930 0 0
DEERE & CO COM 244199105   1,652 4 SH   DFND NONE 4 0 0
DEERE & CO COM 244199105   551,608 1,336 SH   SOLE NONE 1,336 0 0
DuPont de Nemours Inc COM 26614N102   1,077 15 SH   DFND NONE 15 0 0
DuPont de Nemours Inc COM 26614N102   300,860 4,192 SH   SOLE NONE 4,192 0 0
EOG Resources Inc COM 26875P101   1,146 10 SH   DFND NONE 10 0 0
EOG Resources Inc COM 26875P101   374,955 3,271 SH   SOLE NONE 3,271 0 0
ESTEE LAUDER COS CL A 518439104   1,972 8 SH   DFND NONE 8 0 0
ESTEE LAUDER COS CL A 518439104   613,439 2,489 SH   SOLE NONE 2,489 0 0
Exxon Mobil Corp COM 30231G102   325,690 2,970 SH   DFND NONE 18 0 2,952
Exxon Mobil Corp COM 30231G102   723,317 6,596 SH   SOLE NONE 6,596 0 0
FACEBOOK INC CL A 30303M102   2,119 10 SH   DFND NONE 10 0 0
FACEBOOK INC CL A 30303M102   736,492 3,475 SH   SOLE NONE 3,475 0 0
FREEPORT-MCMOR C&G CL B 35671D857   900 22 SH   DFND NONE 22 0 0
FREEPORT-MCMOR C&G CL B 35671D857   278,515 6,808 SH   SOLE NONE 6,808 0 0
GEN DYNAMICS CORP COM 369550108   24,647 108 SH   DFND NONE 8 0 100
GEN DYNAMICS CORP COM 369550108   585,815 2,567 SH   SOLE NONE 2,567 0 0
GSK PLC SPONSORED ADR 37733W204   1,957 55 SH   DFND NONE 55 0 0
GSK PLC SPONSORED ADR 37733W204   546,865 15,370 SH   SOLE NONE 15,370 0 0
HALLIBURTON COM 406216101   949 30 SH   DFND NONE 30 0 0
HALLIBURTON COM 406216101   308,269 9,743 SH   SOLE NONE 9,743 0 0
Home Depot Inc/The COM 437076102   61,090 207 SH   DFND NONE 7 0 200
Home Depot Inc/The COM 437076102   596,142 2,020 SH   SOLE NONE 2,020 0 0
Honeywell International Inc COM 438516106   1,911 10 SH   DFND NONE 10 0 0
Honeywell International Inc COM 438516106   707,717 3,703 SH   SOLE NONE 3,703 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   1,773 17 SH   DFND NONE 17 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   526,247 5,046 SH   SOLE NONE 5,046 0 0
INTL BUSINESS MCHN COM 459200101   28,184 215 SH   DFND NONE 15 0 200
INTL BUSINESS MCHN COM 459200101   628,314 4,793 SH   SOLE NONE 4,793 0 0
ISHARES CORE S&P500 ETF 464287200   8,222 20 SH   DFND NONE 20 0 0
ISHARES CORE S&P500 ETF 464287200   14,076,612 34,243 SH   SOLE NONE 34,243 0 0
ISHARES RUSSELL 2000 ETF 464287655   5,352 30 SH   DFND NONE 30 0 0
ISHARES RUSSELL 2000 ETF 464287655   1,621,834 9,091 SH   SOLE NONE 9,091 0 0
ISHARES NEW YORK MUN ETF 464288323   1,413,199 26,410 SH   SOLE NONE 26,410 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   22,690 575 SH   DFND NONE 575 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   6,359,216 161,156 SH   SOLE NONE 161,156 0 0
JPMorgan Chase & Co COM 46625H100   69,064 530 SH   DFND NONE 30 0 500
JPMorgan Chase & Co COM 46625H100   1,358,221 10,423 SH   SOLE NONE 10,423 0 0
KRAFT FOODS INC CL A 609207105   2,789 40 SH   DFND NONE 40 0 0
KRAFT FOODS INC CL A 609207105   814,330 11,680 SH   SOLE NONE 11,680 0 0
MARSH & MCLENNAN COM 571748102   1,499 9 SH   DFND NONE 9 0 0
MARSH & MCLENNAN COM 571748102   437,194 2,625 SH   SOLE NONE 2,625 0 0
MASTERCARD INC CL A 57636Q104   4,361 12 SH   DFND NONE 12 0 0
MASTERCARD INC CL A 57636Q104   1,288,288 3,545 SH   SOLE NONE 3,545 0 0
MCDONALD'S CORP COM 580135101   1,957 7 SH   DFND NONE 7 0 0
MCDONALD'S CORP COM 580135101   523,430 1,872 SH   SOLE NONE 1,872 0 0
MICROSOFT CORP COM 594918104   57,660 200 SH   DFND NONE 200 0 0
MICROSOFT CORP COM 594918104   2,962,859 10,277 SH   SOLE NONE 10,277 0 0
NEXTERA ENERGY COM 65339F101   217,520 2,822 SH   DFND NONE 22 0 2,800
NEXTERA ENERGY COM 65339F101   494,699 6,418 SH   SOLE NONE 6,418 0 0
NIKE INC CL B 654106103   2,698 22 SH   DFND NONE 22 0 0
NIKE INC CL B 654106103   836,527 6,821 SH   SOLE NONE 6,821 0 0
NVIDIA Corp COM 67066G104   9,722 35 SH   DFND NONE 35 0 0
NVIDIA Corp COM 67066G104   1,254,687 4,517 SH   SOLE NONE 4,517 0 0
Norfolk Southern Corp COM 655844108   1,696 8 SH   DFND NONE 8 0 0
Norfolk Southern Corp COM 655844108   533,180 2,515 SH   SOLE NONE 2,515 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   2,929,132 69,263 SH   SOLE NONE 69,263 0 0
ORACLE CORP COM 68389X105   1,394 15 SH   DFND NONE 15 0 0
ORACLE CORP COM 68389X105   432,078 4,650 SH   SOLE NONE 4,650 0 0
Palo Alto Networks Inc COM 697435105   1,598 8 SH   DFND NONE 8 0 0
Palo Alto Networks Inc COM 697435105   503,145 2,519 SH   SOLE NONE 2,519 0 0
Pfizer Inc COM 717081103   1,836 45 SH   DFND NONE 45 0 0
Pfizer Inc COM 717081103   548,189 13,436 SH   SOLE NONE 13,436 0 0
Procter & Gamble Co/The COM 742718109   802,926 5,400 SH   DFND NONE 10 0 5,390
Procter & Gamble Co/The COM 742718109   474,470 3,191 SH   SOLE NONE 3,191 0 0
S&P Global Inc COM 78409V104   586,109 1,700 SH   DFND NONE 0 0 1,700
SALESFORCE.COM INC COM 79466L302   7,991 40 SH   DFND NONE 40 0 0
SALESFORCE.COM INC COM 79466L302   803,915 4,024 SH   SOLE NONE 4,024 0 0
SSGA Funds Management DJ GLB RL ES ETF 78463X749   1,081,397 26,273 SH   SOLE NONE 26,273 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   231,956 1,875 SH   SOLE NONE 1,875 0 0
STARBUCKS CORP COM 855244109   270,738 2,600 SH   DFND NONE 1,000 0 1,600
Schlumberger NV COM STK 806857108   2,210 45 SH   DFND NONE 45 0 0
Schlumberger NV COM STK 806857108   680,231 13,854 SH   SOLE NONE 13,854 0 0
Shell PLC SPON ADS 780259305   1,116,794 19,409 SH   DFND NONE 0 0 19,409
Shell PLC SPON ADS 780259305   10,127 176 SH   SOLE NONE 176 0 0
TJX Cos Inc/The COM 872540109   1,567 20 SH   DFND NONE 20 0 0
TJX Cos Inc/The COM 872540109   450,492 5,749 SH   SOLE NONE 5,749 0 0
Tesla Inc COM 88160R101   331,106 1,596 SH   DFND NONE 1,596 0 0
Truist Financial Corp COM 89832Q109   1,705 50 SH   DFND NONE 50 0 0
Truist Financial Corp COM 89832Q109   481,185 14,111 SH   SOLE NONE 14,111 0 0
Unilever PLC SPON ADR NEW 904767704   795,723 15,323 SH   DFND NONE 0 0 15,323
Unilever PLC SPON ADR NEW 904767704   10,178 196 SH   SOLE NONE 196 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   42,799 895 SH   DFND NONE 895 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   5,055,722 105,724 SH   SOLE NONE 105,724 0 0
WW Grainger Inc COM 384802104   2,066 3 SH   DFND NONE 3 0 0
WW Grainger Inc COM 384802104   517,296 751 SH   SOLE NONE 751 0 0
Walt Disney Co/The COM 254687106   27,436 274 SH   DFND NONE 8 0 266
Walt Disney Co/The COM 254687106   228,096 2,278 SH   SOLE NONE 2,278 0 0
ZIMMER HLDGS INC COM 98956P102   1,938 15 SH   DFND NONE 15 0 0
ZIMMER HLDGS INC COM 98956P102   616,672 4,773 SH   SOLE NONE 4,773 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   8,977 205 SH   DFND NONE 205 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665   2,663,702 60,829 SH   SOLE NONE 60,829 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   52,038 525 SH   DFND NONE 525 0 0
iShares ETFs/USA 7-10 YR TRSY BD 464287440   4,017,532 40,532 SH   SOLE NONE 40,532 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   32,354 275 SH   DFND NONE 275 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661   3,285,376 27,925 SH   SOLE NONE 27,925 0 0