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   324 3,239 SH   SOLE   3,239 0 0
ABBOTT LABS COM 002824100   14,514 133,127 SH   SOLE   133,127 0 0
ABBVIE INC COM 00287y109   1,893 14,047 SH   SOLE   14,047 0 0
ACCENTURE PLC CL A COM g1151c101   1,109 3,594 SH   SOLE   3,594 0 0
ADOBE INC COM 00724f101   14,002 28,634 SH   SOLE   28,634 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   935 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   25,685 214,580 SH   SOLE   214,580 0 0
ALPHABET INC CL C COM 02079k107   1,407 11,630 SH   SOLE   11,630 0 0
AMAZON.COM INC COM 023135106   23,028 176,646 SH   SOLE   176,646 0 0
ANALOG DEVICES INC COM 032654105   911 4,674 SH   SOLE   4,674 0 0
APPLE INC COM 037833100   45,428 234,201 SH   SOLE   234,201 0 0
APTIV PLC COM g6095l109   4,547 44,538 SH   SOLE   44,538 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,219 10,096 SH   SOLE   10,096 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   22 100 SH   DFND   100 0 0
AXSOME THERAPEUTICS INC COM 05464t104   276 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   12,307 428,957 SH   SOLE   428,957 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   300 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   9,341 35,381 SH   SOLE   35,381 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   518 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702   4,169 12,225 SH   SOLE   12,225 0 0
BEYOND AIR INC COM 08862l103   149 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   592 2,078 SH   SOLE   2,078 0 0
BOEING CO COM 097023105   557 2,637 SH   SOLE   2,637 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   9,217 144,122 SH   SOLE   144,122 0 0
BROADCOM INC COM 11135f101   16,481 19,000 SH   SOLE   19,000 0 0
CAMBRIDGE BANCORP COM 132152109   294 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   517 4,272 SH   SOLE   4,272 0 0
CARRIER GLOBAL CORP COM 14448c104   317 6,380 SH   SOLE   6,380 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104   228 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100   990 6,291 SH   SOLE   6,291 0 0
CHURCH & DWIGHT INC COM 171340102   854 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102   1,634 31,587 SH   SOLE   31,587 0 0
COCA COLA CO COM 191216100   13,809 229,304 SH   SOLE   229,304 0 0
COMCAST CORP CL A COM 20030n101   723 17,399 SH   SOLE   17,399 0 0
COMM SERV SELECT SECTOR SPDR COM 81369y852   4,469 68,673 SH   SOLE   68,673 0 0
CONSUMER DISCRETIONARY SELECT COM 81369y407   7,623 44,891 SH   SOLE   44,891 0 0
CORTEVA INC COM 22052l104   292 5,100 SH   SOLE   5,100 0 0
COSTCO WHOLESALE CORP COM 22160k105   1,260 2,341 SH   SOLE   2,341 0 0
DANAHER CORP COM 235851102   574 2,390 SH   SOLE   2,390 0 0
DISNEY WALT CO NEW COM 254687106   979 10,970 SH   SOLE   10,970 0 0
DOW INC COM 260557103   289 5,432 SH   SOLE   5,432 0 0
DUPONT DE NEMOURS INC COM 26614n102   365 5,110 SH   SOLE   5,110 0 0
EATON CORP PLC COM g29183103   7,577 37,679 SH   SOLE   37,679 0 0
ECOLAB INC COM 278865100   5,923 31,728 SH   SOLE   31,728 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108   506 5,360 SH   SOLE   5,360 0 0
EMERSON ELEC CO COM 291011104   1,087 12,023 SH   SOLE   12,023 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   29,276 360,674 SH   SOLE   360,674 0 0
EXXON MOBIL CORP COM 30231g102   4,490 41,863 SH   SOLE   41,863 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369y605   9,223 273,603 SH   SOLE   273,603 0 0
FISERV INC COM 337738108   643 5,096 SH   SOLE   5,096 0 0
GENUINE PARTS CO COM 372460105   485 2,865 SH   SOLE   2,865 0 0
HEALTH CARE SELECT SECTOR COM 81369y209   5,333 40,177 SH   SOLE   40,177 0 0
HEINEKEN HOLDING NV COM 00b0cch46   320 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102   7,230 23,276 SH   SOLE   23,276 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   11,467 55,262 SH   SOLE   55,262 0 0
ILLINOIS TOOL WKS INC COM 452308109   613 2,449 SH   SOLE   2,449 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704   9,207 85,793 SH   SOLE   85,793 0 0
INTEL CORP COM 458140100   957 28,615 SH   SOLE   28,615 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   8,434 74,585 SH   SOLE   74,585 0 0
INTL. BUSINESS MACHINES CORP COM 459200101   8,740 65,320 SH   SOLE   65,320 0 0
INTUIT INC COM 461202103   899 1,963 SH   SOLE   1,963 0 0
ISHARES 0-3 MONTH TREASURY BD ETF COM 46436e718   228 2,266 SH   SOLE   2,266 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   309 3,194 SH   SOLE   3,194 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   5,155 40,607 SH   SOLE   40,607 0 0
ISHARES CORE S&P 500 ETF COM 464287200   1,181 2,650 SH   SOLE   2,650 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   10,365 39,639 SH   SOLE   39,639 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150   5,792 59,203 SH   SOLE   59,203 0 0
ISHARES GOLD TRUST COM 464285204   49,333 1,355,670 SH   SOLE   1,355,670 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,054 24,401 SH   SOLE   24,401 0 0
JOHNSON & JOHNSON COM 478160104   18,565 112,164 SH   SOLE   112,164 0 0
JP MORGAN CHASE & CO COM 46625h100   16,311 112,148 SH   SOLE   112,148 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837   243 4,843 SH   SOLE   4,843 0 0
LILLY ELI & CO COM 532457108   747 1,593 SH   SOLE   1,593 0 0
LINDE PLC COM g54950103   17,165 45,042 SH   SOLE   45,042 0 0
MASTERCARD INC CL A COM 57636q104   1,101 2,799 SH   SOLE   2,799 0 0
MCDONALDS CORP COM 580135101   2,187 7,329 SH   SOLE   7,329 0 0
MERCK & CO INC COM 58933y105   22,255 192,867 SH   SOLE   192,867 0 0
META PLATFORMS INC CL A COM 30303m102   3,208 11,179 SH   SOLE   11,179 0 0
MICROSOFT CORP COM 594918104   52,264 153,475 SH   SOLE   153,475 0 0
NESTLE SA SPONS ADR COM 641069406   7,704 64,011 SH   SOLE   64,011 0 0
NEXTERA ENERGY INC COM 65339f101   15,614 210,432 SH   SOLE   210,432 0 0
NIKE INC-CLASS B COM 654106103   594 5,378 SH   SOLE   5,378 0 0
NUVECTIS PHARMA INC COM 67080t108   1,070 67,000 SH   SOLE   67,000 0 0
NVIDIA CORP COM 67066g104   25,696 60,743 SH   SOLE   60,743 0 0
OTIS WORLDWIDE CORP COM 68902v107   265 2,978 SH   SOLE   2,978 0 0
PACCAR INC COM 693718108   224 2,675 SH   SOLE   2,675 0 0
PAYCHEX INC COM 704326107   342 3,057 SH   SOLE   3,057 0 0
PEPSICO INC COM 713448108   15,891 85,793 SH   SOLE   85,793 0 0
PEPSICO INC COM 713448108   19 100 SH   DFND   100 0 0
PFIZER INC COM 717081103   773 21,078 SH   SOLE   21,078 0 0
PFIZER INC COM 717081103   55 1,511 SH   DFND   1,511 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   457 3,628 SH   SOLE   3,628 0 0
PROCTER & GAMBLE CO COM 742718109   17,692 116,592 SH   SOLE   116,592 0 0
PROGRESS SOFTWARE CORP COM 743312100   414 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   6,111 46,168 SH   SOLE   46,168 0 0
PROLOGIS INC REIT COM 74340w103   6,996 57,046 SH   SOLE   57,046 0 0
REAL ESTATE SELECT SECT SPDR COM 81369y860   2,545 67,517 SH   SOLE   67,517 0 0
RIO TINTO PLC SPONS ADR COM 767204100   5,794 90,751 SH   SOLE   90,751 0 0
ROPER TECHNOLOGIES INC COM 776696106   267 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102   535 5,600 SH   SOLE   5,600 0 0
RTX CORPORATION COM 75513e101   777 7,927 SH   SOLE   7,927 0 0
S&P GLOBAL INC COM 78409v104   228 569 SH   SOLE   569 0 0
SALESFORCE INC COM 79466l302   7,459 35,305 SH   SOLE   35,305 0 0
SERVICENOW INC COM 81762p102   2,918 5,192 SH   SOLE   5,192 0 0
SPDR GOLD MINISHARES TRUST ETF COM 98149e303   1,094 28,711 SH   SOLE   28,711 0 0
SPDR GOLD TRUST COM 78463v107   948 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   9,139 265,819 SH   SOLE   265,819 0 0
STARBUCKS CORP COM 855244109   382 3,852 SH   SOLE   3,852 0 0
STATE STREET CORP COM 857477103   378 5,160 SH   SOLE   5,160 0 0
STRYKER CORPORATION COM 863667101   1,093 3,581 SH   SOLE   3,581 0 0
TARGET CORP COM 87612e106   346 2,622 SH   SOLE   2,622 0 0
TECHNOLOGY SELECT SECT SPDR COM 81369y803   14,061 80,878 SH   SOLE   80,878 0 0
TESLA INC COM 88160r101   3,648 13,934 SH   SOLE   13,934 0 0
TJX COS INC COM 872540109   9,988 117,796 SH   SOLE   117,796 0 0
TYHEE GOLD CORP COM 00b3bk3m2   42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108   10,845 53,001 SH   SOLE   53,001 0 0
UNITEDHEALTH GROUP INC COM 91324p102   8,769 18,244 SH   SOLE   18,244 0 0
US BANCORP NEW COM 902973304   460 13,909 SH   SOLE   13,909 0 0
UTILITIES SELECT SECTOR SPDR COM 81369y886   2,657 40,595 SH   SOLE   40,595 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   17,268 106,312 SH   SOLE   106,312 0 0
VERIZON COMMUNICATIONS COM 92343v104   7,119 191,410 SH   SOLE   191,410 0 0
VISA INC CL A COM 92826c839   14,708 61,935 SH   SOLE   61,935 0 0
WALMART INC COM 931142103   11,848 75,379 SH   SOLE   75,379 0 0
WEYERHAEUSER CO REIT COM 962166104   540 16,101 SH   SOLE   16,101 0 0
WI2WI CORP COM 00b973xc7   8 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100   8,906 79,084 SH   SOLE   79,084 0 0
YUM BRANDS INC COM 988498101   448 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103   12,422 72,134 SH   SOLE   72,134 0 0
ZOETIS INC COM 98978v103   82 476 SH   DFND   476 0 0