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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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
Sprott Physical Gold Trust Uni COM 85207H104 909 76,917 SH   SOLE   76,917 0 0
Sprott Physical Silver Trust COM 85207K107 92 14,670 SH   SOLE   14,670 0 0
Xtrackers MSCI All World ex US COM 233051820 598 21,658 SH   SOLE   21,658 0 0
JPMorgan Hedged Equity Select COM 46637K281 75,873 3,710,147 SH   SOLE   3,710,147 0 0
Tocqueville Gold Fund COM 888894862 378 10,124 SH   SOLE   10,124 0 0
3M Company COM 88579Y101 473 2,880 SH   SOLE   2,880 0 0
Abbott Laboratories COM 002824100 951 11,361 SH   SOLE   11,361 0 0
AbbVie, Inc. COM 00287y109 439 5,802 SH   SOLE   5,802 0 0
Accenture PLC COM G1151c101 11,275 58,615 SH   SOLE   58,615 0 0
Air Products and Chemicals, In COM 009158106 532 2,400 SH   SOLE   2,400 0 0
Alphabet Inc. Class A COM 02079K305 1,087 890 SH   SOLE   890 0 0
Alphabet Inc. Class C COM 02079K107 1,998 1,639 SH   SOLE   1,639 0 0
Amazon.com, Inc. COM 023135106 8,949 5,155 SH   SOLE   5,155 0 0
American Express Company COM 025816109 1,166 9,854 SH   SOLE   9,854 0 0
Amphenol Corporation Class A COM 032095101 5,891 61,044 SH   SOLE   61,044 0 0
Apple Inc. COM 037833100 3,986 17,798 SH   SOLE   17,798 0 0
AT&T Inc. COM 00206R102 551 14,563 SH   SOLE   14,563 0 0
Automatic Data Processing, Inc COM 053015103 492 3,048 SH   SOLE   3,048 0 0
Becton Dickinson & Company COM 075887109 11,024 43,579 SH   SOLE   43,579 0 0
Berkshire Hathaway, Inc. Cl. A COM 084670108 3,430 11 SH   SOLE   11 0 0
Berkshire Hathaway, Inc. Cl. B COM 084670702 29,078 139,782 SH   SOLE   139,782 0 0
BlackRock Inc. COM 09247X101 255 572 SH   SOLE   572 0 0
Boeing Company COM 097023105 20,489 53,851 SH   SOLE   53,851 0 0
Bristol-Myers Squibb Company COM 110122108 537 10,595 SH   SOLE   10,595 0 0
Cisco Systems, Inc. COM 17275R102 877 17,754 SH   SOLE   17,754 0 0
Coca-Cola Company COM 191216100 2,659 48,851 SH   SOLE   48,851 0 0
Colgate-Palmolive Company COM 194162103 796 10,834 SH   SOLE   10,834 0 0
Costco Wholesale Corporation COM 22160K105 12,018 41,713 SH   SOLE   41,713 0 0
Donaldson Company, Inc. COM 257651109 312 6,000 SH   SOLE   6,000 0 0
Enterprise Bancorp, Inc. COM 293668109 939 31,306 SH   SOLE   31,306 0 0
Exxon Mobil Corporation COM 30231G102 574 8,126 SH   SOLE   8,126 0 0
General Electric Company COM 369604103 201 22,514 SH   SOLE   22,514 0 0
Hershey Company COM 427866108 383 2,468 SH   SOLE   2,468 0 0
Home Depot, Inc. COM 437076102 1,104 4,757 SH   SOLE   4,757 0 0
IBM Corporation COM 459200101 1,213 8,341 SH   SOLE   8,341 0 0
Illinois Tool Works Inc. COM 452308109 843 5,386 SH   SOLE   5,386 0 0
Intel Corporation COM 458140100 591 11,462 SH   SOLE   11,462 0 0
J. M. Smucker Company COM 832696405 649 5,903 SH   SOLE   5,903 0 0
Johnson & Johnson COM 478160104 1,936 14,960 SH   SOLE   14,960 0 0
Johnson Controls International COM G51502105 464 10,571 SH   SOLE   10,571 0 0
JPMorgan Chase & Co. COM 46625H100 6,401 54,387 SH   SOLE   54,387 0 0
Laboratory Corporation of Amer COM 50540R409 248 1,477 SH   SOLE   1,477 0 0
Lockheed Martin Corporation COM 539830109 331 848 SH   SOLE   848 0 0
Loews Corporation COM 540424108 309 6,000 SH   SOLE   6,000 0 0
McCormick & Co., Inc. Non-Voti COM 579780206 1,250 8,000 SH   SOLE   8,000 0 0
McDonald's Corporation COM 580135101 981 4,569 SH   SOLE   4,569 0 0
Merck & Co., Inc. COM 58933y105 553 6,573 SH   SOLE   6,573 0 0
Microsoft Corporation COM 594918104 18,221 131,059 SH   SOLE   131,059 0 0
MSCI Inc. COM 55354G100 5,984 27,482 SH   SOLE   27,482 0 0
Netflix, Inc. COM 64110l106 270 1,010 SH   SOLE   1,010 0 0
NIKE, Inc. Class B COM 654106103 217 2,309 SH   SOLE   2,309 0 0
PepsiCo, Inc. COM 713448108 1,519 11,080 SH   SOLE   11,080 0 0
Pfizer Inc. COM 717081103 720 20,034 SH   SOLE   20,034 0 0
Procter & Gamble Company COM 742718109 79,840 641,905 SH   SOLE   641,905 0 0
Progressive Corporation COM 743315103 474 6,132 SH   SOLE   6,132 0 0
S&P Global, Inc. COM 78409v104 2,389 9,750 SH   SOLE   9,750 0 0
Schlumberger NV COM 806857108 1,939 56,749 SH   SOLE   56,749 0 0
ShotSpotter, Inc. COM 82536T107 741 32,156 SH   SOLE   32,156 0 0
Stryker Corporation COM 863667101 649 3,000 SH   SOLE   3,000 0 0
Sysco Corporation COM 871829107 245 3,090 SH   SOLE   3,090 0 0
Thermo Fisher Scientific Inc COM 883556102 9,996 34,319 SH   SOLE   34,319 0 0
Union Pacific Corporation COM 907818108 559 3,453 SH   SOLE   3,453 0 0
United Technologies Corporatio COM 913017109 309 2,265 SH   SOLE   2,265 0 0
Verisk Analytics Inc COM 92345Y106 7,645 48,343 SH   SOLE   48,343 0 0
Visa Inc. Class A COM 92826c839 14,917 86,721 SH   SOLE   86,721 0 0
Wal-Mart Stores, Inc. COM 931142103 918 7,737 SH   SOLE   7,737 0 0
Walt Disney Company COM 254687106 707 5,428 SH   SOLE   5,428 0 0
Wells Fargo & Company COM 949746101 372 7,382 SH   SOLE   7,382 0 0
Columbia Emerging Markets Cons COM 19762B509 213 9,691 SH   SOLE   9,691 0 0
First Trust Morningstar Divide COM 336917109 365 11,773 SH   SOLE   11,773 0 0
Invesco FTSE RAFI US 1000 Port COM 46137V613 17,239 146,266 SH   SOLE   146,266 0 0
iShares Core MSCI EAFE ETF COM 46432F842 48,662 796,817 SH   SOLE   796,817 0 0
iShares Core MSCI Total Intern COM 46432F834 272 4,703 SH   SOLE   4,703 0 0
iShares Core S&P 500 ETF COM 464287200 875 2,931 SH   SOLE   2,931 0 0
iShares Core S&P Small Cap ETF COM 464287804 12,552 161,252 SH   SOLE   161,252 0 0
iShares Edge MSCI Min Vol USA COM 46429b697 25,323 395,051 SH   SOLE   395,051 0 0
iShares Edge MSCI USA Momentum COM 46432F396 23,578 197,721 SH   SOLE   197,721 0 0
iShares Edge MSCI USA Quality COM 46432f339 23,775 257,310 SH   SOLE   257,310 0 0
iShares MSCI ACWI ex U.S. ETF COM 464288240 555 12,052 SH   SOLE   12,052 0 0
iShares MSCI Global Impact ETF COM 46435G532 937 16,057 SH   SOLE   16,057 0 0
iShares MSCI USA ESG Select ET COM 464288802 386 3,119 SH   SOLE   3,119 0 0
iShares Russell 1000 ETF COM 464287622 903 5,485 SH   SOLE   5,485 0 0
iShares Russell 1000 Growth ET COM 464287614 3,028 18,969 SH   SOLE   18,969 0 0
iShares Russell 1000 Value ETF COM 464287598 2,132 16,624 SH   SOLE   16,624 0 0
iShares Russell 2000 ETF COM 464287655 634 4,191 SH   SOLE   4,191 0 0
iShares Russell 2000 Growth In COM 464287648 328 1,701 SH   SOLE   1,701 0 0
iShares Russell Midcap ETF COM 464287499 818 14,613 SH   SOLE   14,613 0 0
iShares S&P 100 ETF COM 464287101 592 4,504 SH   SOLE   4,504 0 0
iShares S&P 500 Growth ETF COM 464287309 27,732 154,040 SH   SOLE   154,040 0 0
SPDR S&P 500 ETF Trust COM 78462F103 102,366 344,933 SH   SOLE   344,933 0 0
Technology Select Sector SPDR COM 81369Y803 2,258 28,044 SH   SOLE   28,044 0 0
Vanguard Dividend Appreciation COM 921908844 504 4,217 SH   SOLE   4,217 0 0
Vanguard FTSE Developed Market COM 921943858 1,782 43,377 SH   SOLE   43,377 0 0
Vanguard FTSE Emerging Markets COM 922042858 607 15,086 SH   SOLE   15,086 0 0
Vanguard S&P 500 Index Fund COM 922908363 1,711 6,275 SH   SOLE   6,275 0 0
Vanguard Total Stock Market In COM 922908769 12,515 82,879 SH   SOLE   82,879 0 0