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
SPDR BLACKSTONE/GSO SENIOR LOA MF 78467V608 2,223 46,955 SH   SOLE   46,955 0 0
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 8,223 298,040 SH   SOLE   298,040 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 12,013 390,170 SH   SOLE   390,170 0 0
CGM FOCUS FUND EF 125325506 263 5,415 SH   SOLE   5,415 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 523 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 3,527 13,207 SH   SOLE   13,207 0 0
VANGUARD MID-CAP ETF EF 922908629 3,661 22,297 SH   SOLE   22,297 0 0
VANGUARD SMALL-CAP ETF EF 922908751 3,636 22,362 SH   SOLE   22,362 0 0
VANGUARD TOTAL STK MKT EF 922908769 708 4,730 SH   SOLE   4,730 0 0
3M COMPANY COM 88579y101 1,386 6,580 SH   SOLE   6,580 0 0
ABBOTT LABORATORIES COM 002824100 2,485 33,871 SH   SOLE   33,871 0 0
ALPHABET, INC. CL A COM 02079K305 3,848 3,188 SH   SOLE   3,188 0 0
ALPHABET, INC. CL C COM 02079K107 999 837 SH   SOLE   837 0 0
ANALOG DEVICES, INC. COM 032654105 596 6,450 SH   SOLE   6,450 0 0
APPLE INC COM 037833100 4,111 18,210 SH   SOLE   18,210 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,452 25,463 SH   SOLE   25,463 0 0
BOEING CO. COM 097023105 723 1,945 SH   SOLE   1,945 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 5,148 129,084 SH   SOLE   129,084 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,698 55,451 SH   SOLE   55,451 0 0
COCA COLA CO. COM 191216100 261 5,656 SH   SOLE   5,656 0 0
EMERSON ELECTRIC CO. COM 291011104 668 8,724 SH   SOLE   8,724 0 0
ENBRIDGE INC. COM 29250n105 3,800 117,684 SH   SOLE   117,684 0 0
EXXON MOBIL CORP COM 30231G102 882 10,372 SH   SOLE   10,372 0 0
FACEBOOK, INC. COM 30303M102 3,914 23,797 SH   SOLE   23,797 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 602 3,979 SH   SOLE   3,979 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 472 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 4,145 33,991 SH   SOLE   33,991 0 0
JOHNSON & JOHNSON COM 478160104 3,282 23,754 SH   SOLE   23,754 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,289 11,426 SH   SOLE   11,426 0 0
MICROSOFT CORP. COM 594918104 203 1,779 SH   SOLE   1,779 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,373 31,990 SH   SOLE   31,990 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 353 4,242 SH   SOLE   4,242 0 0
PEPSICO INC. COM 713448108 2,477 22,160 SH   SOLE   22,160 0 0
PROCTER & GAMBLE CO COM 742718109 1,737 20,872 SH   SOLE   20,872 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 255 15,167 SH   SOLE   15,167 0 0
VANGUARD EMERGING MARKETS COM 922042858 7,079 172,670 SH   SOLE   172,670 0 0
VANGUARD EUROPEAN COM 922042874 8,294 147,525 SH   SOLE   147,525 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 4,124 73,425 SH   SOLE   73,425 0 0
VANGUARD REIT INDEX ETF COM 922908553 3,197 39,622 SH   SOLE   39,622 0 0
WEYERHAEUSER CO. COM 962166104 4,639 143,764 SH   SOLE   143,764 0 0
ZIMMER BIOMET HOLDINGS, INC. COM 98956p102 225 1,715 SH   SOLE   1,715 0 0