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
Sprott Physical Gold Trust Uni COM 85207H104 871 76,917 SH   SOLE   76,917 0 0
Sprott Physical Silver Trust COM 85207K107 84 14,670 SH   SOLE   14,670 0 0
Xtrackers MSCI All World ex US COM 233051820 592 21,658 SH   SOLE   21,658 0 0
JPMorgan Hedged Equity Select COM 46637K281 74,777 3,685,426 SH   SOLE   3,685,426 0 0
Tocqueville Gold Fund COM 888894862 367 10,124 SH   SOLE   10,124 0 0
3M Company COM 88579Y101 499 2,880 SH   SOLE   2,880 0 0
Abbott Laboratories COM 002824100 955 11,361 SH   SOLE   11,361 0 0
AbbVie, Inc. COM 00287y109 422 5,802 SH   SOLE   5,802 0 0
Accenture PLC COM G1151c101 10,593 57,333 SH   SOLE   57,333 0 0
Air Products and Chemicals, In COM 009158106 543 2,400 SH   SOLE   2,400 0 0
Alphabet Inc. Class A COM 02079K305 964 890 SH   SOLE   890 0 0
Alphabet Inc. Class C COM 02079K107 1,772 1,639 SH   SOLE   1,639 0 0
Amazon.com, Inc. COM 023135106 9,052 4,780 SH   SOLE   4,780 0 0
American Express Company COM 025816109 1,216 9,854 SH   SOLE   9,854 0 0
Amphenol Corporation Class A COM 032095101 4,876 50,825 SH   SOLE   50,825 0 0
Apple Inc. COM 037833100 3,523 17,798 SH   SOLE   17,798 0 0
AT&T Inc. COM 00206R102 583 17,401 SH   SOLE   17,401 0 0
Automatic Data Processing, Inc COM 053015103 504 3,048 SH   SOLE   3,048 0 0
Becton Dickinson & Company COM 075887109 10,756 42,681 SH   SOLE   42,681 0 0
Berkshire Hathaway, Inc. Cl. A COM 084670108 3,502 11 SH   SOLE   11 0 0
Berkshire Hathaway, Inc. Cl. B COM 084670702 32,134 150,743 SH   SOLE   150,743 0 0
BlackRock Inc. COM 09247X101 268 572 SH   SOLE   572 0 0
Boeing Company COM 097023105 19,679 54,063 SH   SOLE   54,063 0 0
Bristol-Myers Squibb Company COM 110122108 480 10,595 SH   SOLE   10,595 0 0
Cisco Systems, Inc. COM 17275R102 972 17,754 SH   SOLE   17,754 0 0
Coca-Cola Company COM 191216100 2,610 51,251 SH   SOLE   51,251 0 0
Colgate-Palmolive Company COM 194162103 776 10,834 SH   SOLE   10,834 0 0
Costco Wholesale Corporation COM 22160K105 10,856 41,082 SH   SOLE   41,082 0 0
Donaldson Company, Inc. COM 257651109 305 6,000 SH   SOLE   6,000 0 0
Eli Lilly and Company COM 532457108 460 4,150 SH   SOLE   4,150 0 0
Enterprise Bancorp, Inc. COM 293668109 993 31,306 SH   SOLE   31,306 0 0
Exxon Mobil Corporation COM 30231G102 693 9,038 SH   SOLE   9,038 0 0
General Electric Company COM 369604103 267 25,424 SH   SOLE   25,424 0 0
Hershey Company COM 427866108 331 2,468 SH   SOLE   2,468 0 0
Home Depot, Inc. COM 437076102 989 4,757 SH   SOLE   4,757 0 0
IBM Corporation COM 459200101 1,205 8,741 SH   SOLE   8,741 0 0
Illinois Tool Works Inc. COM 452308109 812 5,386 SH   SOLE   5,386 0 0
Intel Corporation COM 458140100 549 11,462 SH   SOLE   11,462 0 0
J. M. Smucker Company COM 832696405 680 5,903 SH   SOLE   5,903 0 0
Johnson & Johnson COM 478160104 2,264 16,254 SH   SOLE   16,254 0 0
Johnson Controls International COM G51502105 437 10,571 SH   SOLE   10,571 0 0
JPMorgan Chase & Co. COM 46625H100 6,120 54,739 SH   SOLE   54,739 0 0
Laboratory Corporation of Amer COM 50540R409 406 2,349 SH   SOLE   2,349 0 0
Lockheed Martin Corporation COM 539830109 308 848 SH   SOLE   848 0 0
Loews Corporation COM 540424108 492 9,000 SH   SOLE   9,000 0 0
McCormick & Co., Inc. Non-Voti COM 579780206 1,240 8,000 SH   SOLE   8,000 0 0
McDonald's Corporation COM 580135101 949 4,569 SH   SOLE   4,569 0 0
Merck & Co., Inc. COM 58933y105 551 6,573 SH   SOLE   6,573 0 0
Microsoft Corporation COM 594918104 17,845 133,215 SH   SOLE   133,215 0 0
MSCI Inc. COM 55354G100 6,597 27,626 SH   SOLE   27,626 0 0
Netflix, Inc. COM 64110l106 371 1,010 SH   SOLE   1,010 0 0
Oracle Corporation COM 68389X105 319 5,597 SH   SOLE   5,597 0 0
PepsiCo, Inc. COM 713448108 1,453 11,080 SH   SOLE   11,080 0 0
Pfizer Inc. COM 717081103 868 20,034 SH   SOLE   20,034 0 0
Procter & Gamble Company COM 742718109 70,468 642,659 SH   SOLE   642,659 0 0
Progressive Corporation COM 743315103 490 6,132 SH   SOLE   6,132 0 0
S&P Global, Inc. COM 78409v104 2,221 9,750 SH   SOLE   9,750 0 0
Schlumberger NV COM 806857108 2,293 57,694 SH   SOLE   57,694 0 0
Stryker Corporation COM 863667101 617 3,000 SH   SOLE   3,000 0 0
Sysco Corporation COM 871829107 219 3,090 SH   SOLE   3,090 0 0
Thermo Fisher Scientific Inc COM 883556102 9,809 33,400 SH   SOLE   33,400 0 0
Union Pacific Corporation COM 907818108 584 3,453 SH   SOLE   3,453 0 0
United Technologies Corporatio COM 913017109 295 2,265 SH   SOLE   2,265 0 0
Verisk Analytics Inc COM 92345Y106 6,907 47,162 SH   SOLE   47,162 0 0
Visa Inc. Class A COM 92826c839 15,714 90,545 SH   SOLE   90,545 0 0
Wal-Mart Stores, Inc. COM 931142103 855 7,737 SH   SOLE   7,737 0 0
Walt Disney Company COM 254687106 758 5,428 SH   SOLE   5,428 0 0
Wells Fargo & Company COM 949746101 359 7,584 SH   SOLE   7,584 0 0
Columbia Emerging Markets Cons COM 19762B509 221 9,691 SH   SOLE   9,691 0 0
First Trust Morningstar Divide COM 336917109 361 11,773 SH   SOLE   11,773 0 0
Invesco FTSE RAFI US 1000 Port COM 46137V613 17,041 146,098 SH   SOLE   146,098 0 0
iShares Core MSCI EAFE ETF COM 46432F842 48,053 782,618 SH   SOLE   782,618 0 0
iShares Core MSCI Total Intern COM 46432F834 276 4,703 SH   SOLE   4,703 0 0
iShares Core S&P 500 ETF COM 464287200 864 2,931 SH   SOLE   2,931 0 0
iShares Core S&P Small Cap ETF COM 464287804 12,699 162,227 SH   SOLE   162,227 0 0
iShares Edge MSCI Min Vol USA COM 46429b697 24,009 388,934 SH   SOLE   388,934 0 0
iShares Edge MSCI USA Momentum COM 46432F396 23,513 198,256 SH   SOLE   198,256 0 0
iShares Edge MSCI USA Quality COM 46432f339 23,608 258,091 SH   SOLE   258,091 0 0
iShares MSCI ACWI ex U.S. ETF COM 464288240 564 12,052 SH   SOLE   12,052 0 0
iShares MSCI Emerging Markets COM 464287234 221 5,144 SH   SOLE   5,144 0 0
iShares MSCI Global Impact ETF COM 46435G532 926 16,057 SH   SOLE   16,057 0 0
iShares MSCI USA ESG Select ET COM 464288802 380 3,119 SH   SOLE   3,119 0 0
iShares Russell 1000 ETF COM 464287622 893 5,485 SH   SOLE   5,485 0 0
iShares Russell 1000 Growth ET COM 464287614 2,985 18,969 SH   SOLE   18,969 0 0
iShares Russell 1000 Value ETF COM 464287598 2,115 16,624 SH   SOLE   16,624 0 0
iShares Russell 2000 ETF COM 464287655 663 4,263 SH   SOLE   4,263 0 0
iShares Russell 2000 Growth In COM 464287648 342 1,701 SH   SOLE   1,701 0 0
iShares Russell Midcap ETF COM 464287499 816 14,613 SH   SOLE   14,613 0 0
iShares S&P 100 ETF COM 464287101 584 4,504 SH   SOLE   4,504 0 0
iShares S&P 500 Growth ETF COM 464287309 27,286 152,233 SH   SOLE   152,233 0 0
SPDR S&P 500 ETF Trust COM 78462F103 99,391 339,219 SH   SOLE   339,219 0 0
Technology Select Sector SPDR COM 81369Y803 2,189 28,044 SH   SOLE   28,044 0 0
Vanguard Dividend Appreciation COM 921908844 495 4,302 SH   SOLE   4,302 0 0
Vanguard FTSE Developed Market COM 921943858 1,809 43,377 SH   SOLE   43,377 0 0
Vanguard FTSE Emerging Markets COM 922042858 642 15,086 SH   SOLE   15,086 0 0
Vanguard International Dividen COM 921946810 224 3,286 SH   SOLE   3,286 0 0
Vanguard S&P 500 Index Fund COM 922908363 1,721 6,393 SH   SOLE   6,393 0 0
Vanguard Total Stock Market In COM 922908769 12,692 84,563 SH   SOLE   84,563 0 0