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
3M CO COM 88579y101 593 3,705 SH   SOLE   3,705 0 0
ABBOTT LABS COM 002824100 20,385 187,316 SH   SOLE   187,316 0 0
ABBVIE INC COM 00287y109 715 8,127 SH   SOLE   8,127 0 0
ADOBE INC COM 00724f101 30,585 62,364 SH   SOLE   62,364 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 935 3,140 SH   SOLE   3,140 0 0
ALPHABET INC CL A COM 02079k305 18,594 12,687 SH   SOLE   12,687 0 0
ALPHABET INC CL C COM 02079k107 1,374 935 SH   SOLE   935 0 0
AMAZON.COM INC COM 023135106 29,482 9,363 SH   SOLE   9,363 0 0
AMERICAN TOWER CORP REIT COM 03027x100 5,400 22,338 SH   SOLE   22,338 0 0
ANALOG DEVICES INC COM 032654105 367 3,147 SH   SOLE   3,147 0 0
ANGI HOMESERVICES INC CL A COM 00183l102 2,942 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 27,916 241,052 SH   SOLE   241,052 0 0
AT&T INC COM 00206r102 10,301 361,327 SH   SOLE   361,327 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 1,515 10,863 SH   SOLE   10,863 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 14 100 SH   DFND   100 0 0
AXSOME THERAPEUTICS INC COM 05464t104 273 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104 11,469 476,103 SH   SOLE   476,103 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 249 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 7,554 32,465 SH   SOLE   32,465 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 320 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 733 3,441 SH   SOLE   3,441 0 0
BEYOND AIR INC COM 08862l103 90 17,425 SH   SOLE   17,425 0 0
BIOGEN INC COM 09062x103 610 2,151 SH   SOLE   2,151 0 0
BOEING CO COM 097023105 446 2,696 SH   SOLE   2,696 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 8,063 133,742 SH   SOLE   133,742 0 0
BROADCOM INC COM 11135f101 7,626 20,931 SH   SOLE   20,931 0 0
CAMBRIDGE BANCORP COM 132152109 2,858 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 448 4,210 SH   SOLE   4,210 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 218 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 754 10,474 SH   SOLE   10,474 0 0
CHURCH & DWIGHT INC COM 171340102 777 8,290 SH   SOLE   8,290 0 0
CISCO SYSTEMS INC COM 17275r102 435 11,048 SH   SOLE   11,048 0 0
COCA COLA CO COM 191216100 11,981 242,674 SH   SOLE   242,674 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COM 192446102 247 3,569 SH   SOLE   3,569 0 0
CVR PARTNERS LP COM 126633106 13 14,900 SH   SOLE   14,900 0 0
DANAHER CORP COM 235851102 491 2,280 SH   SOLE   2,280 0 0
DISNEY WALT CO NEW COM 254687106 389 3,135 SH   SOLE   3,135 0 0
DOW INC COM 260557103 217 4,606 SH   SOLE   4,606 0 0
DUPONT DE NEMOURS INC COM 26614n102 251 4,533 SH   SOLE   4,533 0 0
ECOLAB INC COM 278865100 6,496 32,506 SH   SOLE   32,506 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 524 6,570 SH   SOLE   6,570 0 0
EMERSON ELEC CO COM 291011104 824 12,565 SH   SOLE   12,565 0 0
EXXON MOBIL CORP COM 30231g102 3,394 98,876 SH   SOLE   98,876 0 0
FACEBOOK INC-A COM 30303m102 253 967 SH   SOLE   967 0 0
FISERV INC COM 337738108 549 5,325 SH   SOLE   5,325 0 0
GENUINE PARTS CO COM 372460105 273 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 287 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 1,089 3,923 SH   SOLE   3,923 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 10,170 61,783 SH   SOLE   61,783 0 0
ILLINOIS TOOL WKS INC COM 452308109 377 1,950 SH   SOLE   1,950 0 0
INTEL CORP COM 458140100 1,374 26,540 SH   SOLE   26,540 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 8,689 86,845 SH   SOLE   86,845 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 9,390 77,173 SH   SOLE   77,173 0 0
INTUIT INC COM 461202103 713 2,185 SH   SOLE   2,185 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 614 5,043 SH   SOLE   5,043 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 5,533 73,290 SH   SOLE   73,290 0 0
ISHARES GOLD TRUST COM 464285105 46,858 2,604,687 SH   SOLE   2,604,687 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 735 5,751 SH   SOLE   5,751 0 0
ISHARES NASDAQ BIOTECH ETF COM 464287556 7,599 56,122 SH   SOLE   56,122 0 0
JACK HENRY & ASSOCIATES INC COM 426281101 278 1,710 SH   SOLE   1,710 0 0
JOHNSON & JOHNSON COM 478160104 16,004 107,494 SH   SOLE   107,494 0 0
JP MORGAN CHASE & CO COM 46625h100 11,321 117,599 SH   SOLE   117,599 0 0
LILLY ELI & CO COM 532457108 388 2,620 SH   SOLE   2,620 0 0
LINDE PLC COM g5494j103 16,037 67,345 SH   SOLE   67,345 0 0
LOWES COS INC COM 548661107 33 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 987 2,920 SH   SOLE   2,920 0 0
MCDONALDS CORP COM 580135101 817 3,720 SH   SOLE   3,720 0 0
MERCK & CO INC COM 58933y105 16,192 195,204 SH   SOLE   195,204 0 0
MICROSOFT CORP COM 594918104 35,107 166,915 SH   SOLE   166,915 0 0
NESTLE SA SPONS ADR COM 641069406 12,941 108,516 SH   SOLE   108,516 0 0
NEXTERA ENERGY INC COM 65339f101 20,894 75,278 SH   SOLE   75,278 0 0
NVIDIA CORP COM 67066g104 241 446 SH   SOLE   446 0 0
PAYPAL HOLDINGS INC COM 70450y103 16,959 86,075 SH   SOLE   86,075 0 0
PEPSICO INC COM 713448108 12,310 88,816 SH   SOLE   88,816 0 0
PEPSICO INC COM 713448108 14 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 761 20,745 SH   SOLE   20,745 0 0
PFIZER INC COM 717081103 55 1,511 SH   DFND   1,511 0 0
PHORM CORP LTD COM 00b83b2c1 0 250,000 SH   SOLE   250,000 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 402 3,660 SH   SOLE   3,660 0 0
PROCTER & GAMBLE CO COM 742718109 15,032 108,158 SH   SOLE   108,158 0 0
PROLOGIS INC REIT COM 74340w103 5,519 54,846 SH   SOLE   54,846 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 7 73,500 SH   SOLE   73,500 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 483 8,398 SH   SOLE   8,398 0 0
ROPER TECHNOLOGIES INC COM 776696106 219 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 393 5,600 SH   SOLE   5,600 0 0
SALESFORCE.COM COM 79466l302 23,630 94,025 SH   SOLE   94,025 0 0
SPDR GOLD TRUST COM 78463v107 251 1,415 SH   SOLE   1,415 0 0
SPDR PORT SHRT TRM TRSRY COM 78468r101 227 7,400 SH   SOLE   7,400 0 0
STARBUCKS CORP COM 855244109 308 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 318 5,364 SH   SOLE   5,364 0 0
STRYKER CORPORATION COM 863667101 775 3,717 SH   SOLE   3,717 0 0
TARGET CORP COM 87612e106 364 2,315 SH   SOLE   2,315 0 0
TJX COS INC COM 872540109 727 13,060 SH   SOLE   13,060 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 15,285 77,640 SH   SOLE   77,640 0 0
UNITEDHEALTH GROUP INC COM 91324p102 8,395 26,928 SH   SOLE   26,928 0 0
US BANCORP NEW COM 902973304 532 14,840 SH   SOLE   14,840 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 5,786 44,971 SH   SOLE   44,971 0 0
VERIZON COMMUNICATIONS COM 92343v104 12,719 213,798 SH   SOLE   213,798 0 0
VISA INC CL A COM 92826c839 20,486 102,446 SH   SOLE   102,446 0 0
WALMART INC COM 931142103 10,888 77,825 SH   SOLE   77,825 0 0
WEYERHAEUSER CO REIT COM 962166104 459 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 21 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 7,654 90,990 SH   SOLE   90,990 0 0
YUM BRANDS INC COM 988498101 295 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 18,967 114,694 SH   SOLE   114,694 0 0
ZOETIS INC COM 98978v103 79 476 SH   DFND   476 0 0