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 2,054 45,955 SH   SOLE   45,955 0 0
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 5,635 216,475 SH   SOLE   216,475 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 12,849 423,095 SH   SOLE   423,095 0 0
CGM FOCUS FUND EF 125325506 217 5,415 SH   SOLE   5,415 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 439 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 3,157 13,737 SH   SOLE   13,737 0 0
VANGUARD MID-CAP ETF EF 922908629 3,062 22,157 SH   SOLE   22,157 0 0
VANGUARD SMALL-CAP ETF EF 922908751 2,934 22,232 SH   SOLE   22,232 0 0
VANGUARD TOTAL STK MKT EF 922908769 600 4,699 SH   SOLE   4,699 0 0
3M COMPANY COM 88579y101 1,241 6,515 SH   SOLE   6,515 0 0
ABBOTT LABORATORIES COM 002824100 2,409 33,300 SH   SOLE   33,300 0 0
ALPHABET, INC. CL A COM 02079K305 3,304 3,162 SH   SOLE   3,162 0 0
ALPHABET, INC. CL C COM 02079K107 864 834 SH   SOLE   834 0 0
ANALOG DEVICES, INC. COM 032654105 554 6,450 SH   SOLE   6,450 0 0
APPLE INC COM 037833100 2,848 18,055 SH   SOLE   18,055 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,147 25,208 SH   SOLE   25,208 0 0
BOEING CO. COM 097023105 627 1,945 SH   SOLE   1,945 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 4,470 129,454 SH   SOLE   129,454 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,390 55,151 SH   SOLE   55,151 0 0
COCA COLA CO. COM 191216100 211 4,456 SH   SOLE   4,456 0 0
EMERSON ELECTRIC CO. COM 291011104 521 8,724 SH   SOLE   8,724 0 0
ENBRIDGE INC. COM 29250n105 3,676 118,274 SH   SOLE   118,274 0 0
EXXON MOBIL CORP COM 30231G102 687 10,072 SH   SOLE   10,072 0 0
FACEBOOK, INC. COM 30303M102 3,037 23,167 SH   SOLE   23,167 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 395 3,479 SH   SOLE   3,479 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 403 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 3,279 34,001 SH   SOLE   34,001 0 0
JOHNSON & JOHNSON COM 478160104 3,014 23,354 SH   SOLE   23,354 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,115 11,426 SH   SOLE   11,426 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,222 31,290 SH   SOLE   31,290 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 343 4,242 SH   SOLE   4,242 0 0
PEPSICO INC. COM 713448108 2,443 22,110 SH   SOLE   22,110 0 0
PROCTER & GAMBLE CO COM 742718109 1,890 20,557 SH   SOLE   20,557 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 223 15,167 SH   SOLE   15,167 0 0
VANGUARD EMERGING MARKETS COM 922042858 6,609 173,460 SH   SOLE   173,460 0 0
VANGUARD EUROPEAN COM 922042874 7,183 147,740 SH   SOLE   147,740 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 3,859 73,625 SH   SOLE   73,625 0 0
VANGUARD REIT INDEX ETF COM 922908553 2,984 40,022 SH   SOLE   40,022 0 0
WEYERHAEUSER CO. COM 962166104 3,156 144,360 SH   SOLE   144,360 0 0