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
3M CO COM 88579y101   395,919 3,067 SH   SOLE   3,067 0 0
ABBOTT LABS COM 002824100   15,338,055 135,603 SH   SOLE   135,603 0 0
ABBVIE INC COM 00287y109   2,528,493 14,229 SH   SOLE   14,229 0 0
ACCENTURE PLC CL A COM g1151c101   1,326,248 3,770 SH   SOLE   3,770 0 0
ADOBE INC COM 00724f101   13,528,944 30,424 SH   SOLE   30,424 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   904,925 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   42,141,019 222,615 SH   SOLE   222,615 0 0
ALPHABET INC CL C COM 02079k107   3,185,871 16,729 SH   SOLE   16,729 0 0
AMAZON.COM INC COM 023135106   40,111,732 182,833 SH   SOLE   182,833 0 0
ANALOG DEVICES INC COM 032654105   828,594 3,900 SH   SOLE   3,900 0 0
APPLE INC COM 037833100   62,401,158 249,186 SH   SOLE   249,186 0 0
ARISTA NETWORKS INC COM 040413205   7,548,757 68,296 SH   SOLE   68,296 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,934,033 10,023 SH   SOLE   10,023 0 0
AXSOME THERAPEUTICS INC COM 05464t104   324,902 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   19,246,101 437,909 SH   SOLE   437,909 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   322,320 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   7,912,091 34,875 SH   SOLE   34,875 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   680,920 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702   5,766,628 12,722 SH   SOLE   12,722 0 0
BEYOND AIR INC COM 08862l103   12,555 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   285,807 1,869 SH   SOLE   1,869 0 0
BOEING CO COM 097023105   431,172 2,436 SH   SOLE   2,436 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   611,414 10,810 SH   SOLE   10,810 0 0
BROADCOM INC COM 11135f101   26,350,703 113,659 SH   SOLE   113,659 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   427,357 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104   415,226 6,083 SH   SOLE   6,083 0 0
CATERPILLAR INC COM 149123101   617,055 1,701 SH   SOLE   1,701 0 0
CHARLES SCHWAB CORP COM 808513105   310,842 4,200 SH   SOLE   4,200 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104   265,114 1,420 SH   SOLE   1,420 0 0
CHEVRON CORPORATION COM 166764100   891,056 6,152 SH   SOLE   6,152 0 0
CHURCH & DWIGHT INC COM 171340102   892,129 8,520 SH   SOLE   8,520 0 0
CINCINNATI FINANCIAL CORP COM 172062101   309,817 2,156 SH   SOLE   2,156 0 0
CISCO SYSTEMS INC COM 17275r102   2,017,654 34,082 SH   SOLE   34,082 0 0
COCA COLA CO COM 191216100   14,736,382 236,691 SH   SOLE   236,691 0 0
COMCAST CORP CL A COM 20030n101   636,659 16,964 SH   SOLE   16,964 0 0
COMM SERV SELECT SECTOR SPDR COM 81369y852   6,248,892 64,548 SH   SOLE   64,548 0 0
CONSUMER DISCRETIONARY SELECT COM 81369y407   9,686,760 43,177 SH   SOLE   43,177 0 0
CORTEVA INC COM 22052l104   291,066 5,110 SH   SOLE   5,110 0 0
COSTCO WHOLESALE CORP COM 22160k105   2,254,940 2,461 SH   SOLE   2,461 0 0
DANAHER CORP COM 235851102   577,777 2,517 SH   SOLE   2,517 0 0
DISNEY WALT CO NEW COM 254687106   1,198,683 10,765 SH   SOLE   10,765 0 0
DUPONT DE NEMOURS INC COM 26614n102   380,564 4,991 SH   SOLE   4,991 0 0
EATON CORP PLC COM g29183103   12,753,100 38,428 SH   SOLE   38,428 0 0
ECOLAB INC COM 278865100   7,537,137 32,166 SH   SOLE   32,166 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108   415,308 5,610 SH   SOLE   5,610 0 0
EMERSON ELEC CO COM 291011104   1,490,010 12,023 SH   SOLE   12,023 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   31,122,334 363,324 SH   SOLE   363,324 0 0
EXXON MOBIL CORP COM 30231g102   4,731,897 43,989 SH   SOLE   43,989 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369y605   13,192,398 272,965 SH   SOLE   272,965 0 0
FISERV INC COM 337738108   1,093,040 5,321 SH   SOLE   5,321 0 0
GE AEROSPACE COM 369604301   272,034 1,631 SH   SOLE   1,631 0 0
GENUINE PARTS CO COM 372460105   334,517 2,865 SH   SOLE   2,865 0 0
GINKGO BIOWORKS HOLDINGS INC CL A COM 37611x209   6,891,008 701,732 SH   SOLE   701,732 0 0
HEALTH CARE SELECT SECTOR COM 81369y209   7,566,075 54,998 SH   SOLE   54,998 0 0
HOME DEPOT INC COM 437076102   9,465,294 24,333 SH   SOLE   24,333 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   12,564,002 55,620 SH   SOLE   55,620 0 0
ILLINOIS TOOL WKS INC COM 452308109   608,290 2,399 SH   SOLE   2,399 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704   10,985,226 83,373 SH   SOLE   83,373 0 0
INTEL CORP COM 458140100   540,969 26,981 SH   SOLE   26,981 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   11,364,546 76,267 SH   SOLE   76,267 0 0
INTL. BUSINESS MACHINES CORP COM 459200101   14,725,752 66,987 SH   SOLE   66,987 0 0
INTUIT INC COM 461202103   1,492,059 2,374 SH   SOLE   2,374 0 0
INTUITIVE SURGICAL INC COM 46120e602   1,019,388 1,953 SH   SOLE   1,953 0 0
INVESCO S&P SMALLCAP 600 REVENUE ETF COM 46138g664   521,161 11,389 SH   SOLE   11,389 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   258,120 2,792 SH   SOLE   2,792 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   5,455,249 41,262 SH   SOLE   41,262 0 0
ISHARES CORE S&P 500 ETF COM 464287200   1,560,002 2,650 SH   SOLE   2,650 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   12,507,237 200,726 SH   SOLE   200,726 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150   7,419,445 57,685 SH   SOLE   57,685 0 0
ISHARES GOLD TRUST COM 464285204   69,095,463 1,395,586 SH   SOLE   1,395,586 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,814,903 25,532 SH   SOLE   25,532 0 0
JOHNSON & JOHNSON COM 478160104   16,322,826 112,867 SH   SOLE   112,867 0 0
JP MORGAN CHASE & CO COM 46625h100   22,660,985 94,535 SH   SOLE   94,535 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654   243,459 4,801 SH   SOLE   4,801 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837   243,892 4,842 SH   SOLE   4,842 0 0
LILLY ELI & CO COM 532457108   1,537,052 1,991 SH   SOLE   1,991 0 0
LINDE PLC COM g54950103   15,370,213 36,712 SH   SOLE   36,712 0 0
LOCKHEED MARTIN CORP COM 539830109   442,205 910 SH   SOLE   910 0 0
MASTERCARD INC CL A COM 57636q104   1,516,522 2,880 SH   SOLE   2,880 0 0
MATERIALS SELECT SECTOR SPDR TRUST COM 81369y100   965,759 11,478 SH   SOLE   11,478 0 0
MCDONALDS CORP COM 580135101   2,284,043 7,879 SH   SOLE   7,879 0 0
MEDICAL PROPERTIES TRUST INC REIT COM 58463j304   57,054 14,444 SH   SOLE   14,444 0 0
MERCK & CO INC COM 58933y105   16,449,714 165,357 SH   SOLE   165,357 0 0
META PLATFORMS INC CL A COM 30303m102   6,711,701 11,463 SH   SOLE   11,463 0 0
MICROSOFT CORP COM 594918104   65,253,258 154,812 SH   SOLE   154,812 0 0
NESTLE SA SPONS ADR COM 641069406   5,274,389 64,558 SH   SOLE   64,558 0 0
NETFLIX INC COM 64110l106   368,115 413 SH   SOLE   413 0 0
NEXTERA ENERGY INC COM 65339f101   15,248,463 212,700 SH   SOLE   212,700 0 0
NIKE INC-CLASS B COM 654106103   596,507 7,883 SH   SOLE   7,883 0 0
NUVECTIS PHARMA INC COM 67080t108   319,190 59,000 SH   SOLE   59,000 0 0
NVIDIA CORP COM 67066g104   60,944,025 453,824 SH   SOLE   453,824 0 0
ORACLE CORPORATION COM 68389x105   516,917 3,102 SH   SOLE   3,102 0 0
O'REILLY AUTOMOTIVE INC COM 67103h107   5,516,342 4,652 SH   SOLE   4,652 0 0
OTIS WORLDWIDE CORP COM 68902v107   259,678 2,804 SH   SOLE   2,804 0 0
PACCAR INC COM 693718108   293,440 2,821 SH   SOLE   2,821 0 0
PALO ALTO NETWORKS INC COM 697435105   6,481,415 35,620 SH   SOLE   35,620 0 0
PAYCHEX INC COM 704326107   404,394 2,884 SH   SOLE   2,884 0 0
PEPSICO INC COM 713448108   13,495,325 88,750 SH   SOLE   88,750 0 0
PFIZER INC COM 717081103   543,281 20,478 SH   SOLE   20,478 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   639,683 3,317 SH   SOLE   3,317 0 0
PROCTER & GAMBLE CO COM 742718109   19,654,112 117,233 SH   SOLE   117,233 0 0
PROGRESS SOFTWARE CORP COM 743312100   463,868 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   11,298,330 47,153 SH   SOLE   47,153 0 0
PROLOGIS INC REIT COM 74340w103   6,139,056 58,080 SH   SOLE   58,080 0 0
QUALCOMM INC COM 747525103   258,082 1,680 SH   SOLE   1,680 0 0
REAL ESTATE SELECT SECT SPDR COM 81369y860   3,092,953 76,050 SH   SOLE   76,050 0 0
REGENERON PHARMACEUTICALS INC COM 75886f107   369,699 519 SH   SOLE   519 0 0
RIO TINTO PLC SPONS ADR COM 767204100   5,286,019 89,883 SH   SOLE   89,883 0 0
ROPER TECHNOLOGIES INC COM 776696106   320,747 617 SH   SOLE   617 0 0
ROYAL BANK OF CANADA COM 780087102   674,856 5,600 SH   SOLE   5,600 0 0
RTX CORPORATION COM 75513e101   934,555 8,076 SH   SOLE   8,076 0 0
S&P GLOBAL INC COM 78409v104   283,379 569 SH   SOLE   569 0 0
SALESFORCE INC COM 79466l302   12,276,263 36,719 SH   SOLE   36,719 0 0
SERVICENOW INC COM 81762p102   5,747,971 5,422 SH   SOLE   5,422 0 0
SOUTHERN COMPANY COM 842587107   203,495 2,472 SH   SOLE   2,472 0 0
SPDR GOLD MINISHARES TRUST ETF COM 98149e303   1,492,685 28,711 SH   SOLE   28,711 0 0
SPDR GOLD TRUST COM 78463v107   1,298,785 5,364 SH   SOLE   5,364 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   10,173,921 265,153 SH   SOLE   265,153 0 0
SPDR S&P 500 ETF TRUST COM 78462f103   1,124,688 1,919 SH   SOLE   1,919 0 0
STARBUCKS CORP COM 855244109   370,292 4,058 SH   SOLE   4,058 0 0
STATE STREET CORP COM 857477103   419,002 4,269 SH   SOLE   4,269 0 0
STRYKER CORPORATION COM 863667101   1,313,462 3,648 SH   SOLE   3,648 0 0
TARGET CORP COM 87612e106   334,165 2,472 SH   SOLE   2,472 0 0
TECHNOLOGY SELECT SECT SPDR COM 81369y803   20,636,848 88,753 SH   SOLE   88,753 0 0
TESLA INC COM 88160r101   5,526,147 13,684 SH   SOLE   13,684 0 0
TJX COS INC COM 872540109   14,564,370 120,556 SH   SOLE   120,556 0 0
TRACTOR SUPPLY CO COM 892356106   238,770 4,500 SH   SOLE   4,500 0 0
UNION PAC CORP COM 907818108   12,343,121 54,127 SH   SOLE   54,127 0 0
UNITED RENTALS INC COM 911363109   204,288 290 SH   SOLE   290 0 0
UNITEDHEALTH GROUP INC COM 91324p102   9,406,467 18,595 SH   SOLE   18,595 0 0
UNUM GROUP COM 91529y106   388,520 5,320 SH   SOLE   5,320 0 0
US BANCORP NEW COM 902973304   606,341 12,677 SH   SOLE   12,677 0 0
UTILITIES SELECT SECTOR SPDR COM 81369y886   3,280,556 43,342 SH   SOLE   43,342 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   16,258,786 83,025 SH   SOLE   83,025 0 0
VERIZON COMMUNICATIONS COM 92343v104   7,730,827 193,319 SH   SOLE   193,319 0 0
VISA INC CL A COM 92826c839   20,593,482 65,161 SH   SOLE   65,161 0 0
WALMART INC COM 931142103   16,094,768 178,138 SH   SOLE   178,138 0 0
WEYERHAEUSER CO REIT COM 962166104   453,243 16,101 SH   SOLE   16,101 0 0
XYLEM INC COM 98419m100   9,433,238 81,307 SH   SOLE   81,307 0 0
YUM BRANDS INC COM 988498101   434,008 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103   8,836,346 54,234 SH   SOLE   54,234 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   29,273 100 SH   DFND   100 0 0
ISHARES CORE S&P 500 ETF COM 464287200   264,906 450 SH   DFND   450 0 0
PEPSICO INC COM 713448108   15,206 100 SH   DFND   100 0 0
ZOETIS INC COM 98978v103   77,555 476 SH   DFND   476 0 0