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
3M CO COM 88579y101 682 3,537 SH   SOLE   3,537 0 0
ABBOTT LABS COM 002824100 23,211 193,690 SH   SOLE   193,690 0 0
ABBVIE INC COM 00287y109 923 8,527 SH   SOLE   8,527 0 0
ADOBE INC COM 00724f101 26,540 55,830 SH   SOLE   55,830 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 883 3,140 SH   SOLE   3,140 0 0
ALPHABET INC CL A COM 02079k305 22,578 10,947 SH   SOLE   10,947 0 0
ALPHABET INC CL C COM 02079k107 970 469 SH   SOLE   469 0 0
AMAZON.COM INC COM 023135106 29,106 9,407 SH   SOLE   9,407 0 0
AMERICAN TOWER CORP REIT COM 03027x100 5,495 22,986 SH   SOLE   22,986 0 0
ANALOG DEVICES INC COM 032654105 357 2,303 SH   SOLE   2,303 0 0
ANGI INC CL A COM 00183l102 3,448 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 30,108 246,480 SH   SOLE   246,480 0 0
AT&T INC COM 00206r102 11,322 374,035 SH   SOLE   374,035 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 19 100 SH   DFND   100 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 2,031 10,778 SH   SOLE   10,778 0 0
AXSOME THERAPEUTICS INC COM 05464t104 217 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104 19,039 492,102 SH   SOLE   492,102 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 375 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 7,879 32,402 SH   SOLE   32,402 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 386 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 874 3,421 SH   SOLE   3,421 0 0
BEYOND AIR INC COM 08862l103 96 17,425 SH   SOLE   17,425 0 0
BIOGEN INC COM 09062x103 593 2,121 SH   SOLE   2,121 0 0
BOEING CO COM 097023105 684 2,686 SH   SOLE   2,686 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 8,638 136,825 SH   SOLE   136,825 0 0
BROADCOM INC COM 11135f101 10,032 21,636 SH   SOLE   21,636 0 0
CAMBRIDGE BANCORP COM 132152109 457 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 488 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104 257 6,076 SH   SOLE   6,076 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 203 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 542 5,168 SH   SOLE   5,168 0 0
CHURCH & DWIGHT INC COM 171340102 720 8,240 SH   SOLE   8,240 0 0
CISCO SYSTEMS INC COM 17275r102 566 10,939 SH   SOLE   10,939 0 0
COCA COLA CO COM 191216100 13,132 249,140 SH   SOLE   249,140 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COM 192446102 278 3,569 SH   SOLE   3,569 0 0
CORTEVA INC COM 22052l104 208 4,457 SH   SOLE   4,457 0 0
DANAHER CORP COM 235851102 513 2,280 SH   SOLE   2,280 0 0
DISNEY WALT CO NEW COM 254687106 569 3,085 SH   SOLE   3,085 0 0
DOW INC COM 260557103 294 4,601 SH   SOLE   4,601 0 0
DUPONT DE NEMOURS INC COM 26614n102 350 4,533 SH   SOLE   4,533 0 0
EASTERN BANKSHARES INC COM 27627n105 192 10,000 SH   SOLE   10,000 0 0
ECOLAB INC COM 278865100 7,208 33,669 SH   SOLE   33,669 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 550 6,570 SH   SOLE   6,570 0 0
EMERSON ELEC CO COM 291011104 1,131 12,540 SH   SOLE   12,540 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506 10,397 211,931 SH   SOLE   211,931 0 0
EXXON MOBIL CORP COM 30231g102 2,237 40,075 SH   SOLE   40,075 0 0
FACEBOOK INC-A COM 30303m102 259 879 SH   SOLE   879 0 0
FISERV INC COM 337738108 610 5,125 SH   SOLE   5,125 0 0
GENUINE PARTS CO COM 372460105 331 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 328 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 13,937 45,658 SH   SOLE   45,658 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 13,928 64,162 SH   SOLE   64,162 0 0
ILLINOIS TOOL WKS INC COM 452308109 432 1,950 SH   SOLE   1,950 0 0
INTEL CORP COM 458140100 1,679 26,236 SH   SOLE   26,236 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 10,079 90,256 SH   SOLE   90,256 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 10,578 79,381 SH   SOLE   79,381 0 0
INTUIT INC COM 461202103 837 2,185 SH   SOLE   2,185 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 6,583 71,871 SH   SOLE   71,871 0 0
ISHARES GOLD TRUST COM 464285105 42,073 2,587,515 SH   SOLE   2,587,515 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 984 12,886 SH   SOLE   12,886 0 0
ISHARES NASDAQ BIOTECH ETF COM 464287556 8,660 57,519 SH   SOLE   57,519 0 0
JACK HENRY & ASSOCIATES INC COM 426281101 259 1,710 SH   SOLE   1,710 0 0
JOHNSON & JOHNSON COM 478160104 18,143 110,391 SH   SOLE   110,391 0 0
JP MORGAN CHASE & CO COM 46625h100 18,495 121,493 SH   SOLE   121,493 0 0
LAUDER ESTEE COS CL-A COM 518439104 232 800 SH   SOLE   800 0 0
LILLY ELI & CO COM 532457108 489 2,620 SH   SOLE   2,620 0 0
LINDE PLC COM g5494j103 19,511 69,649 SH   SOLE   69,649 0 0
LOWES COS INC COM 548661107 38 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 1,038 2,915 SH   SOLE   2,915 0 0
MCDONALDS CORP COM 580135101 829 3,700 SH   SOLE   3,700 0 0
MERCK & CO INC COM 58933y105 15,445 200,353 SH   SOLE   200,353 0 0
MICROSOFT CORP COM 594918104 40,259 170,755 SH   SOLE   170,755 0 0
NESTLE SA SPONS ADR COM 641069406 12,488 111,986 SH   SOLE   111,986 0 0
NEXTERA ENERGY INC COM 65339f101 23,459 310,268 SH   SOLE   310,268 0 0
NVIDIA CORP COM 67066g104 241 453 SH   SOLE   453 0 0
OTIS WORLDWIDE CORP COM 68902v107 207 3,031 SH   SOLE   3,031 0 0
PAYPAL HOLDINGS INC COM 70450y103 21,721 89,445 SH   SOLE   89,445 0 0
PEPSICO INC COM 713448108 12,715 89,888 SH   SOLE   89,888 0 0
PEPSICO INC COM 713448108 14 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 740 20,422 SH   SOLE   20,422 0 0
PFIZER INC COM 717081103 55 1,511 SH   DFND   1,511 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 641 3,653 SH   SOLE   3,653 0 0
PROCTER & GAMBLE CO COM 742718109 15,071 111,284 SH   SOLE   111,284 0 0
PROLOGIS INC REIT COM 74340w103 5,969 56,320 SH   SOLE   56,320 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 12 73,500 SH   SOLE   73,500 0 0
QUALCOMM INC COM 747525103 223 1,680 SH   SOLE   1,680 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 633 8,189 SH   SOLE   8,189 0 0
ROPER TECHNOLOGIES INC COM 776696106 224 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 516 5,600 SH   SOLE   5,600 0 0
SALESFORCE.COM COM 79466l302 20,500 96,759 SH   SOLE   96,759 0 0
SPDR GOLD TRUST COM 78463v107 851 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509 17,017 388,694 SH   SOLE   388,694 0 0
STARBUCKS CORP COM 855244109 391 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 450 5,364 SH   SOLE   5,364 0 0
STRYKER CORPORATION COM 863667101 905 3,717 SH   SOLE   3,717 0 0
TARGET CORP COM 87612e106 457 2,305 SH   SOLE   2,305 0 0
TJX COS INC COM 872540109 868 13,118 SH   SOLE   13,118 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 17,631 79,991 SH   SOLE   79,991 0 0
UNITEDHEALTH GROUP INC COM 91324p102 10,178 27,356 SH   SOLE   27,356 0 0
US BANCORP NEW COM 902973304 820 14,822 SH   SOLE   14,822 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 6,554 44,560 SH   SOLE   44,560 0 0
VERIZON COMMUNICATIONS COM 92343v104 12,796 220,049 SH   SOLE   220,049 0 0
VISA INC CL A COM 92826c839 19,662 92,863 SH   SOLE   92,863 0 0
WALMART INC COM 931142103 11,065 81,464 SH   SOLE   81,464 0 0
WEYERHAEUSER CO REIT COM 962166104 573 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 19 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 9,973 94,823 SH   SOLE   94,823 0 0
YUM BRANDS INC COM 988498101 350 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 18,577 117,962 SH   SOLE   117,962 0 0
ZOETIS INC COM 98978v103 74 476 SH   DFND   476 0 0