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 2,551 22,034 SH   SOLE NONE 0 0 22,034
Abbvie Inc COM 00287Y109 257 2,941 SH   SOLE NONE 0 0 2,941
Abbott Laboratories COM 002824100 599 5,505 SH   SOLE NONE 0 0 5,505
Accenture Plc Cl A SHS CLASS A G1151C101 909 4,025 SH   SOLE NONE 0 0 4,025
iShares MSCI ACWI ex US ETF MSCI ACWI EX US 464288240 336 7,326 SH   SOLE NONE 0 0 7,326
Analog Devices Inc COM 032654105 210 1,801 SH   SOLE NONE 0 0 1,801
Automatic Data Processing COM 053015103 533 3,827 SH   SOLE NONE 0 0 3,827
iShares U.S. Aggregate Bond ETF CORE US AGGBD ET 464287226 25,893 219,325 SH   SOLE NONE 0 0 219,325
AMGEN INC COM COM 031162100 931 3,665 SH   SOLE NONE 0 0 3,665
Ameriprise Financial Inc COM 03076C106 508 3,298 SH   SOLE NONE 0 0 3,298
Amazon.com COM 023135106 749 238 SH   SOLE NONE 0 0 238
Air Prod & Chemicals Inc COM 009158106 287 965 SH   SOLE NONE 0 0 965
Avalonbay Cmntys Inc Com COM 053484101 327 2,190 SH   SOLE NONE 0 0 2,190
Broadcom Limited Com Npv COM 11135F101 614 1,687 SH   SOLE NONE 0 0 1,687
American Express Company COM 025816109 252 2,523 SH   SOLE NONE 0 0 2,523
Bank of America COM 060505104 266 11,073 SH   SOLE NONE 0 0 11,073
Becton Dickinson & Co COM 075887109 283 1,219 SH   SOLE NONE 0 0 1,219
Spdr Bloomberg Barclays SPDR BLOOMBERG 78468R663 1,789 19,552 SH   SOLE NONE 0 0 19,552
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 275 3,122 SH   SOLE NONE 0 0 3,122
Broadridge Financial Solutions, Inc COM 11133T103 689 5,221 SH   SOLE NONE 0 0 5,221
Berkshire Hathaway Inc CL B NEW 084670702 409 1,923 SH   SOLE NONE 0 0 1,923
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 25,540 307,527 SH   SOLE NONE 0 0 307,527
Boston Properties COM 101121101 213 2,663 SH   SOLE NONE 0 0 2,663
Citigroup COM NEW 172967424 305 7,087 SH   SOLE NONE 0 0 7,087
Chubb Corp COM H1467J104 398 3,428 SH   SOLE NONE 0 0 3,428
Colgate-Palmolive Co COM 194162103 593 7,699 SH   SOLE NONE 0 0 7,699
Comcast Corporation CL A 20030N101 287 6,214 SH   SOLE NONE 0 0 6,214
COST COM 22160K105 200 564 SH   SOLE NONE 0 0 564
Cisco Systems Inc COM 17275R102 731 18,562 SH   SOLE NONE 0 0 18,562
C S X Corp COM 126408103 275 3,543 SH   SOLE NONE 0 0 3,543
C V S Health Corporation COM 126650100 732 12,548 SH   SOLE NONE 0 0 12,548
Diageo Plc New Adr SPON ADR NEW 25243Q205 312 2,273 SH   SOLE NONE 0 0 2,273
Walt Disney Co COM DISNEY 254687106 873 7,043 SH   SOLE NONE 0 0 7,043
iShares MSCI EAFE Min Vol ETF MSCI EAFE MIN VL 46429B689 334 4,908 SH   SOLE NONE 0 0 4,908
Ishares Msci Eafe Esg ESG AW MSCI EAFE 46435G516 639 10,081 SH   SOLE NONE 0 0 10,081
Ishares Msci Usa Esg ESG AWR MSCI USA 46435G425 924 12,127 SH   SOLE NONE 0 0 12,127
Exelon Corporation COM 30161N101 408 11,428 SH   SOLE NONE 0 0 11,428
Facebook Inc CL A 30303M102 282 1,079 SH   SOLE NONE 0 0 1,079
Gilead Sciences Inc COM 375558103 584 9,250 SH   SOLE NONE 0 0 9,250
Google Inc Cl C Non Vtg CAP STK CL C 02079K107 509 347 SH   SOLE NONE 0 0 347
Google Inc Class A Vtg CAP STK CL A 02079K305 319 218 SH   SOLE NONE 0 0 218
Home Depot Inc COM 437076102 785 2,829 SH   SOLE NONE 0 0 2,829
Honeywell International COM 438516106 522 3,176 SH   SOLE NONE 0 0 3,176
iShares Gold Trust ETF ISHARES 464285105 10,697 594,652 SH   SOLE NONE 0 0 594,652
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 31,449 258,164 SH   SOLE NONE 0 0 258,164
Ishares Tr 3-7 Yr Tr Bd Etf 3 7 YR TREAS BD 464288661 1,645 12,321 SH   SOLE NONE 0 0 12,321
Ishares Core Msci CORE MSCI EMKT 46434G103 508 9,640 SH   SOLE NONE 0 0 9,640
iShares S&P Mid Cap ETF CORE S&P MCP ETF 464287507 9,593 51,768 SH   SOLE NONE 0 0 51,768
Intel Corp COM 458140100 636 12,298 SH   SOLE NONE 0 0 12,298
Illinois Tool Works Inc COM 452308109 314 1,629 SH   SOLE NONE 0 0 1,629
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 285 2,275 SH   SOLE NONE 0 0 2,275
iShares S&P 500 ETF CORE S&P500 ETF 464287200 34,083 101,420 SH   SOLE NONE 0 0 101,420
Johnson & Johnson COM 478160104 1,248 8,387 SH   SOLE NONE 0 0 8,387
JPMorgan Chase & Co. COM 46625H100 1,161 12,063 SH   SOLE NONE 0 0 12,063
Coca Cola Company COM 191216100 219 4,446 SH   SOLE NONE 0 0 4,446
ELI LILLY & CO COM COM 532457108 241 1,632 SH   SOLE NONE 0 0 1,632
Lockheed Martin Corp COM 539830109 311 813 SH   SOLE NONE 0 0 813
Lowes Companies Inc COM 548661107 203 1,229 SH   SOLE NONE 0 0 1,229
Mastercard Inc CL A 57636Q104 1,070 3,165 SH   SOLE NONE 0 0 3,165
McDonald's Corp COM 580135101 833 3,796 SH   SOLE NONE 0 0 3,796
Mondelez Intl Inc Cl A CL A 609207105 583 10,164 SH   SOLE NONE 0 0 10,164
Medtronic Inc SHS G5960L103 701 6,749 SH   SOLE NONE 0 0 6,749
3m Company COM 88579Y101 660 4,124 SH   SOLE NONE 0 0 4,124
Merck & Co Inc New COM 58933Y105 721 8,698 SH   SOLE NONE 0 0 8,698
Microsoft Corp COM 594918104 2,357 11,207 SH   SOLE NONE 0 0 11,207
Nike Inc CL B 654106103 345 2,751 SH   SOLE NONE 0 0 2,751
Natwest Group Adr Rep 2 Ord SPONS ADR 2 ORD 639057108 28 10,440 SH   SOLE NONE 0 0 10,440
Oracle Corporation COM 68389X105 260 4,363 SH   SOLE NONE 0 0 4,363
PepsiCo, Inc. COM 713448108 858 6,196 SH   SOLE NONE 0 0 6,196
Pfizer Incorporated COM 717081103 900 24,537 SH   SOLE NONE 0 0 24,537
Procter & Gamble COM 742718109 1,287 9,264 SH   SOLE NONE 0 0 9,264
Sprott Physical Gold Trust UNIT 85207H104 308 20,500 SH   SOLE NONE 0 0 20,500
Pnc Finl Services Gp Inc COM 693475105 244 2,220 SH   SOLE NONE 0 0 2,220
Paypal Hldgs Inc Com COM 70450Y103 295 1,500 SH   SOLE NONE 0 0 1,500
Qualcomm Inc COM 747525103 976 8,299 SH   SOLE NONE 0 0 8,299
Powershs Nasdaq-100 ETF UNIT SER 1 46090E103 8,159 29,369 SH   SOLE NONE 0 0 29,369
Raytheon Technologies Ord COM 75513E101 635 11,049 SH   SOLE NONE 0 0 11,049
Starbucks Corp COM 855244109 210 2,450 SH   SOLE NONE 0 0 2,450
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 12,462 225,367 SH   SOLE NONE 0 0 225,367
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 1,839 35,709 SH   SOLE NONE 0 0 35,709
Ishares 1-3 Year Treasry 1 3 YR TREAS BD 464287457 21,976 254,039 SH   SOLE NONE 0 0 254,039
PowerShares S&P 500 Low Vol. ETF S&P500 LOW VOL 46138E354 1,791 33,401 SH   SOLE NONE 0 0 33,401
Spdr Portfolio Short Term Corporate Bond PORTFOLIO SHORT 78464A474 844 26,910 SH   SOLE NONE 0 0 26,910
SPDR S&P 500 ETF TR UNIT 78462F103 4,736 14,143 SH   SOLE NONE 0 0 14,143
State Str Corp Com Isin #us8574771031 SE COM 857477103 413 6,973 SH   SOLE NONE 0 0 6,973
AT&T COM 00206R102 607 21,306 SH   SOLE NONE 0 0 21,306
Toronto Dominion Bank COM NEW 891160509 224 4,864 SH   SOLE NONE 0 0 4,864
TE Connectivity Ltd REG SHS H84989104 704 7,212 SH   SOLE NONE 0 0 7,212
TJX Companies Inc COM 872540109 600 10,787 SH   SOLE NONE 0 0 10,787
Ishares Tr Bond 20 YR TR BD ETF 464287432 206 1,265 SH   SOLE NONE 0 0 1,265
THE TRAVELERS COMPANIES INC CO M COM 89417E109 245 2,265 SH   SOLE NONE 0 0 2,265
Texas Instruments Inc COM 882508104 374 2,623 SH   SOLE NONE 0 0 2,623
UNH COM 91324P102 226 727 SH   SOLE NONE 0 0 727
Union Pacific Corp COM 907818108 980 4,981 SH   SOLE NONE 0 0 4,981
Visa COM CL A 92826C839 472 2,364 SH   SOLE NONE 0 0 2,364
Vanguard Developed Markets ETF FTSE DEV MKT ETF 921943858 29,099 711,473 SH   SOLE NONE 0 0 711,473
Vanguard FTSE All-World ex-US ETF ALLWRLD EX US 922042775 602 11,942 SH   SOLE NONE 0 0 11,942
VF Corporation COM 918204108 434 6,188 SH   SOLE NONE 0 0 6,188
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 4,732 36,786 SH   SOLE NONE 0 0 36,786
Vanguard Total Stock Mkt ETF TOTAL STK MKT 922908769 6,855 40,252 SH   SOLE NONE 0 0 40,252
Vanguard Emerging Markets ETF FTSE EMR MKT ETF 922042858 11,896 275,129 SH   SOLE NONE 0 0 275,129
Verizon Communications COM 92343V104 1,126 18,933 SH   SOLE NONE 0 0 18,933
Xcel Energy Inc Com COM 98389B100 629 9,124 SH   SOLE NONE 0 0 9,124