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   388 3,239 SH   SOLE   3,239 0 0
ABBOTT LABS COM 002824100   16,407 149,440 SH   SOLE   149,440 0 0
ABBVIE INC COM 00287y109   1,321 8,174 SH   SOLE   8,174 0 0
ACCENTURE PLC CL A COM g1151c101   234 877 SH   SOLE   877 0 0
ADOBE INC COM 00724f101   10,034 29,817 SH   SOLE   29,817 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   962 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   19,333 219,115 SH   SOLE   219,115 0 0
ALPHABET INC CL C COM 02079k107   970 10,935 SH   SOLE   10,935 0 0
AMAZON COM INC COM 023135106   12,526 149,120 SH   SOLE   149,120 0 0
ANALOG DEVICES INC COM 032654105   771 4,701 SH   SOLE   4,701 0 0
ANGI INC CL A COM 00183l102   623 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100   28,973 222,986 SH   SOLE   222,986 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   24 100 SH   DFND   100 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,462 10,306 SH   SOLE   10,306 0 0
AXSOME THERAPEUTICS INC COM 05464t104   296 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   16,601 501,229 SH   SOLE   501,229 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   293 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   8,965 35,255 SH   SOLE   35,255 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   469 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC CL B COM 084670702   1,053 3,408 SH   SOLE   3,408 0 0
BEYOND AIR INC COM 08862l103   227 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   581 2,099 SH   SOLE   2,099 0 0
BOEING CO COM 097023105   502 2,636 SH   SOLE   2,636 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   10,200 141,768 SH   SOLE   141,768 0 0
BROADCOM INC COM 11135f101   12,437 22,244 SH   SOLE   22,244 0 0
CAMBRIDGE BANCORP COM 132152109   450 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   508 4,272 SH   SOLE   4,272 0 0
CARRIER GLOBAL CORP COM 14448c104   265 6,425 SH   SOLE   6,425 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104   228 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100   1,116 6,217 SH   SOLE   6,217 0 0
CHURCH & DWIGHT INC COM 171340102   687 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102   546 11,460 SH   SOLE   11,460 0 0
COCA COLA CO COM 191216100   16,196 254,613 SH   SOLE   254,613 0 0
CORTEVA INC COM 22052l104   294 5,008 SH   SOLE   5,008 0 0
DANAHER CORP COM 235851102   634 2,390 SH   SOLE   2,390 0 0
DISNEY WALT CO NEW COM 254687106   265 3,061 SH   SOLE   3,061 0 0
DOW INC COM 260557103   264 5,239 SH   SOLE   5,239 0 0
DUPONT DE NEMOURS INC COM 26614n102   338 4,932 SH   SOLE   4,932 0 0
ECOLAB INC COM 278865100   3,902 26,806 SH   SOLE   26,806 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   399 5,360 SH   SOLE   5,360 0 0
EMERSON ELEC CO COM 291011104   1,148 11,953 SH   SOLE   11,953 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   22,715 259,694 SH   SOLE   259,694 0 0
EXXON MOBIL CORP COM 30231g102   4,525 41,033 SH   SOLE   41,033 0 0
FISERV INC COM 337738108   515 5,096 SH   SOLE   5,096 0 0
GENUINE PARTS CO COM 372460105   497 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46   283 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102   8,941 28,306 SH   SOLE   28,306 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   14,152 66,036 SH   SOLE   66,036 0 0
ILLINOIS TOOL WKS INC COM 452308109   440 2,000 SH   SOLE   2,000 0 0
INTEL CORP COM 458140100   773 29,236 SH   SOLE   29,236 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   9,462 92,231 SH   SOLE   92,231 0 0
INTL BUSINESS MACHINES CORP COM 459200101   11,444 81,229 SH   SOLE   81,229 0 0
INTUIT INC COM 461202103   764 1,963 SH   SOLE   1,963 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   307 3,203 SH   SOLE   3,203 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   7,707 58,705 SH   SOLE   58,705 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   13,992 57,843 SH   SOLE   57,843 0 0
ISHARES CORE S&P TOTAL US COM 464287150   5,068 59,770 SH   SOLE   59,770 0 0
ISHARES GOLD TRUST COM 464285204   45,818 1,324,604 SH   SOLE   1,324,604 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,286 31,843 SH   SOLE   31,843 0 0
JOHNSON & JOHNSON COM 478160104   20,075 113,643 SH   SOLE   113,643 0 0
JP MORGAN CHASE & CO COM 46625h100   16,665 124,275 SH   SOLE   124,275 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654   244 4,821 SH   SOLE   4,821 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837   244 4,863 SH   SOLE   4,863 0 0
LILLY ELI & CO COM 532457108   578 1,579 SH   SOLE   1,579 0 0
LINDE PLC COM g5494j103   16,660 51,077 SH   SOLE   51,077 0 0
LOWES COS INC COM 548661107   40 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104   983 2,826 SH   SOLE   2,826 0 0
MCDONALDS CORP COM 580135101   1,069 4,057 SH   SOLE   4,057 0 0
MERCK & CO INC COM 58933y105   23,242 209,484 SH   SOLE   209,484 0 0
MICROSOFT CORP COM 594918104   37,016 154,349 SH   SOLE   154,349 0 0
NESTLE SA SPONS ADR COM 641069406   10,510 91,126 SH   SOLE   91,126 0 0
NEXTERA ENERGY INC COM 65339f101   20,153 241,067 SH   SOLE   241,067 0 0
NVIDIA CORP COM 67066g104   10,241 70,078 SH   SOLE   70,078 0 0
OTIS WORLDWIDE CORP COM 68902v107   236 3,008 SH   SOLE   3,008 0 0
PAYCHEX INC COM 704326107   347 3,002 SH   SOLE   3,002 0 0
PEPSICO INC COM 713448108   18 100 SH   DFND   100 0 0
PEPSICO INC COM 713448108   16,821 93,107 SH   SOLE   93,107 0 0
PFIZER INC COM 717081103   77 1,511 SH   DFND   1,511 0 0
PFIZER INC COM 717081103   1,080 21,078 SH   SOLE   21,078 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   573 3,628 SH   SOLE   3,628 0 0
PROCTER & GAMBLE CO COM 742718109   17,783 117,330 SH   SOLE   117,330 0 0
PROGRESS SOFTWARE CORP COM 743312100   359 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   5,944 45,824 SH   SOLE   45,824 0 0
PROLOGIS INC REIT COM 74340w103   6,459 57,296 SH   SOLE   57,296 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101   811 8,032 SH   SOLE   8,032 0 0
RIO TINTO PLC SPONS ADR COM 767204100   4,810 67,556 SH   SOLE   67,556 0 0
ROPER TECHNOLOGIES INC COM 776696106   239 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102   527 5,600 SH   SOLE   5,600 0 0
SALESFORCE INC COM 79466l302   4,773 35,995 SH   SOLE   35,995 0 0
SPDR GOLD TRUST COM 78463v107   902 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   12,697 385,239 SH   SOLE   385,239 0 0
SPDR S&P MIDCAP 400 ETF TRUST COM 78467y107   237 536 SH   SOLE   536 0 0
STARBUCKS CORP COM 855244109   355 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103   411 5,300 SH   SOLE   5,300 0 0
STRYKER CORPORATION COM 863667101   887 3,626 SH   SOLE   3,626 0 0
TARGET CORP COM 87612e106   379 2,540 SH   SOLE   2,540 0 0
TJX COS INC COM 872540109   11,351 142,604 SH   SOLE   142,604 0 0
TYHEE GOLD CORP COM 00b3bk3m2   42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108   16,833 81,292 SH   SOLE   81,292 0 0
UNITEDHEALTH GROUP INC COM 91324p102   15,161 28,596 SH   SOLE   28,596 0 0
US BANCORP NEW COM 902973304   605 13,877 SH   SOLE   13,877 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   34,426 226,712 SH   SOLE   226,712 0 0
VERIZON COMMUNICATIONS COM 92343v104   7,279 184,746 SH   SOLE   184,746 0 0
VISA INC CL A COM 92826c839   13,140 63,247 SH   SOLE   63,247 0 0
WALMART INC COM 931142103   11,808 83,279 SH   SOLE   83,279 0 0
WEYERHAEUSER CO REIT COM 962166104   499 16,101 SH   SOLE   16,101 0 0
WI2WI CORP COM 00b973xc7   10 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100   10,802 97,701 SH   SOLE   97,701 0 0
YUM BRANDS INC COM 988498101   414 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103   70 476 SH   DFND   476 0 0
ZOETIS INC COM 98978v103   12,462 85,033 SH   SOLE   85,033 0 0