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
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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
Apple COM 037833100 2,123 5,821 SH   SOLE NONE 0 0 5,821
Abbvie Inc COM 00287Y109 286 2,920 SH   SOLE NONE 0 0 2,920
Abbott Laboratories COM 002824100 594 6,499 SH   SOLE NONE 0 0 6,499
Accenture Plc Cl A SHS CLASS A G1151C101 994 4,630 SH   SOLE NONE 0 0 4,630
iShares MSCI ACWI ex US ETF MSCI ACWI EX US 464288240 305 7,060 SH   SOLE NONE 0 0 7,060
Analog Devices Inc COM 032654105 257 2,100 SH   SOLE NONE 0 0 2,100
Automatic Data Processing COM 053015103 603 4,052 SH   SOLE NONE 0 0 4,052
iShares U.S. Aggregate Bond ETF CORE US AGGBD ET 464287226 25,947 219,501 SH   SOLE NONE 0 0 219,501
ALLSTATE CORP COMM COM 020002101 223 2,308 SH   SOLE NONE 0 0 2,308
AMGEN INC COM COM 031162100 994 4,215 SH   SOLE NONE 0 0 4,215
Ameriprise Financial Inc COM 03076C106 608 4,055 SH   SOLE NONE 0 0 4,055
Amazon.com COM 023135106 579 210 SH   SOLE NONE 0 0 210
Air Prod & Chemicals Inc COM 009158106 269 1,118 SH   SOLE NONE 0 0 1,118
Avalonbay Cmntys Inc Com COM 053484101 383 2,483 SH   SOLE NONE 0 0 2,483
Broadcom Limited Com Npv COM 11135F101 617 1,957 SH   SOLE NONE 0 0 1,957
American Express Company COM 025816109 231 2,435 SH   SOLE NONE 0 0 2,435
Bank of America COM 060505104 244 10,302 SH   SOLE NONE 0 0 10,302
Becton Dickinson & Co COM 075887109 294 1,230 SH   SOLE NONE 0 0 1,230
Spdr Bloomberg Barclays SPDR BLOOMBERG 78468R663 1,713 18,725 SH   SOLE NONE 0 0 18,725
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 279 3,166 SH   SOLE NONE 0 0 3,166
Broadridge Financial Solutions, Inc COM 11133T103 770 6,108 SH   SOLE NONE 0 0 6,108
Berkshire Hathaway Inc CL B NEW 084670702 343 1,923 SH   SOLE NONE 0 0 1,923
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 25,840 310,882 SH   SOLE NONE 0 0 310,882
Boston Properties COM 101121101 284 3,147 SH   SOLE NONE 0 0 3,147
Citigroup COM NEW 172967424 472 9,256 SH   SOLE NONE 0 0 9,256
Chubb Corp COM H1467J104 504 3,981 SH   SOLE NONE 0 0 3,981
Colgate-Palmolive Co COM 194162103 609 8,314 SH   SOLE NONE 0 0 8,314
Comcast Corporation CL A 20030N101 234 6,025 SH   SOLE NONE 0 0 6,025
Cisco Systems Inc COM 17275R102 952 20,426 SH   SOLE NONE 0 0 20,426
C S X Corp COM 126408103 253 3,630 SH   SOLE NONE 0 0 3,630
C V S Health Corporation COM 126650100 950 14,627 SH   SOLE NONE 0 0 14,627
Diageo Plc New Adr SPON ADR NEW 25243Q205 330 2,457 SH   SOLE NONE 0 0 2,457
Walt Disney Co COM DISNEY 254687106 867 7,781 SH   SOLE NONE 0 0 7,781
iShares MSCI EAFE Min Vol ETF MIN VOL EAFE ETF 46429B689 327 4,955 SH   SOLE NONE 0 0 4,955
Ishares Msci Eafe Esg ESG MSCI EAFE 46435G516 500 8,254 SH   SOLE NONE 0 0 8,254
Ishares Msci Usa Esg ESG MSCI USA ETF 46435G425 542 7,747 SH   SOLE NONE 0 0 7,747
Exelon Corporation COM 30161N101 502 13,858 SH   SOLE NONE 0 0 13,858
Facebook Inc CL A 30303M102 221 976 SH   SOLE NONE 0 0 976
General Electric Company COM 369604103 70 10,271 SH   SOLE NONE 0 0 10,271
Gilead Sciences Inc COM 375558103 828 10,772 SH   SOLE NONE 0 0 10,772
Google Inc Cl C Non Vtg CAP STK CL C 02079K107 474 336 SH   SOLE NONE 0 0 336
Google Inc Class A Vtg CAP STK CL A 02079K305 285 201 SH   SOLE NONE 0 0 201
Home Depot Inc COM 437076102 821 3,280 SH   SOLE NONE 0 0 3,280
Honeywell International COM 438516106 502 3,474 SH   SOLE NONE 0 0 3,474
iShares Gold Trust ETF ISHARES 464285105 10,106 594,839 SH   SOLE NONE 0 0 594,839
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 30,817 252,873 SH   SOLE NONE 0 0 252,873
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 254 4,447 SH   SOLE NONE 0 0 4,447
Ishares Tr 3-7 Yr Tr Bd Etf 3 7 YR TREAS BD 464288661 1,340 10,032 SH   SOLE NONE 0 0 10,032
Ishares Core Msci CORE MSCI EMKT 46434G103 412 8,676 SH   SOLE NONE 0 0 8,676
iShares S&P Mid Cap ETF CORE S&P MCP ETF 464287507 9,228 51,900 SH   SOLE NONE 0 0 51,900
Intel Corp COM 458140100 770 12,883 SH   SOLE NONE 0 0 12,883
Illinois Tool Works Inc COM 452308109 317 1,815 SH   SOLE NONE 0 0 1,815
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 318 2,646 SH   SOLE NONE 0 0 2,646
iShares S&P 500 ETF CORE S&P500 ETF 464287200 30,753 99,304 SH   SOLE NONE 0 0 99,304
Johnson & Johnson COM 478160104 1,259 8,953 SH   SOLE NONE 0 0 8,953
JPMorgan Chase & Co. COM 46625H100 1,194 12,702 SH   SOLE NONE 0 0 12,702
ELI LILLY & CO COM COM 532457108 267 1,632 SH   SOLE NONE 0 0 1,632
Lockheed Martin Corp COM 539830109 296 813 SH   SOLE NONE 0 0 813
Mastercard Inc CL A 57636Q104 1,061 3,590 SH   SOLE NONE 0 0 3,590
McDonald's Corp COM 580135101 782 4,242 SH   SOLE NONE 0 0 4,242
Mondelez Intl Inc Cl A CL A 609207105 617 12,085 SH   SOLE NONE 0 0 12,085
Medtronic Inc SHS G5960L103 705 7,695 SH   SOLE NONE 0 0 7,695
3m Company COM 88579Y101 732 4,693 SH   SOLE NONE 0 0 4,693
Merck & Co Inc New COM 58933Y105 694 8,984 SH   SOLE NONE 0 0 8,984
Microsoft Corp COM 594918104 2,382 11,706 SH   SOLE NONE 0 0 11,706
Nike Inc CL B 654106103 306 3,130 SH   SOLE NONE 0 0 3,130
Oracle Corporation COM 68389X105 238 4,319 SH   SOLE NONE 0 0 4,319
PepsiCo, Inc. COM 713448108 928 7,022 SH   SOLE NONE 0 0 7,022
Pfizer Incorporated COM 717081103 875 26,772 SH   SOLE NONE 0 0 26,772
Procter & Gamble COM 742718109 1,185 9,914 SH   SOLE NONE 0 0 9,914
Pnc Finl Services Gp Inc COM 693475105 276 2,625 SH   SOLE NONE 0 0 2,625
Phillips COM 718546104 329 4,577 SH   SOLE NONE 0 0 4,577
Paypal Hldgs Inc Com COM 70450Y103 226 1,301 SH   SOLE NONE 0 0 1,301
Qualcomm Inc COM 747525103 904 9,921 SH   SOLE NONE 0 0 9,921
Powershs Nasdaq-100 ETF UNIT SER 1 46090E103 7,653 30,910 SH   SOLE NONE 0 0 30,910
Royal Dutch Shell B Adrf SPON ADR B 780259107 266 8,756 SH   SOLE NONE 0 0 8,756
Raytheon Technologies Ord COM 75513E101 722 11,732 SH   SOLE NONE 0 0 11,732
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 11,564 223,460 SH   SOLE NONE 0 0 223,460
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 1,242 24,064 SH   SOLE NONE 0 0 24,064
Ishares 1-3 Year Treasry 1 3 YR TREAS BD 464287457 21,759 251,233 SH   SOLE NONE 0 0 251,233
PowerShares S&P 500 Low Vol. ETF S&P500 LOW VOL 46138E354 1,720 34,639 SH   SOLE NONE 0 0 34,639
Spdr Portfolio Short Term Corporate Bond PORTFOLIO SHORT 78464A474 864 27,599 SH   SOLE NONE 0 0 27,599
SPDR S&P 500 ETF TR UNIT 78462F103 4,479 14,527 SH   SOLE NONE 0 0 14,527
State Str Corp Com Isin #us8574771031 SE COM 857477103 542 8,533 SH   SOLE NONE 0 0 8,533
AT&T COM 00206R102 736 24,349 SH   SOLE NONE 0 0 24,349
Toronto Dominion Bank COM NEW 891160509 238 5,341 SH   SOLE NONE 0 0 5,341
TE Connectivity Ltd REG SHS H84989104 681 8,351 SH   SOLE NONE 0 0 8,351
TJX Companies Inc COM 872540109 636 12,588 SH   SOLE NONE 0 0 12,588
Ishares Tr Bond 20 YR TR BD ETF 464287432 207 1,265 SH   SOLE NONE 0 0 1,265
THE TRAVELERS COMPANIES INC CO M COM 89417E109 313 2,748 SH   SOLE NONE 0 0 2,748
Texas Instruments Inc COM 882508104 367 2,897 SH   SOLE NONE 0 0 2,897
Union Pacific Corp COM 907818108 918 5,434 SH   SOLE NONE 0 0 5,434
Visa COM CL A 92826C839 432 2,240 SH   SOLE NONE 0 0 2,240
Vanguard Developed Markets ETF FTSE DEV MKT ETF 921943858 27,603 711,626 SH   SOLE NONE 0 0 711,626
Vanguard FTSE All-World ex-US ETF ALLWRLD EX US 922042775 598 12,567 SH   SOLE NONE 0 0 12,567
VF Corporation COM 918204108 432 7,101 SH   SOLE NONE 0 0 7,101
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 4,539 38,736 SH   SOLE NONE 0 0 38,736
Vanguard Total Stock Mkt ETF TOTAL STK MKT 922908769 6,560 41,912 SH   SOLE NONE 0 0 41,912
Vanguard Emerging Markets ETF FTSE EMR MKT ETF 922042858 11,011 277,988 SH   SOLE NONE 0 0 277,988
Verizon Communications COM 92343V104 1,124 20,395 SH   SOLE NONE 0 0 20,395
Xcel Energy Inc Com COM 98389B100 667 10,677 SH   SOLE NONE 0 0 10,677
Exxon Mobil Corp COM 30231G102 346 7,750 SH   SOLE NONE 0 0 7,750