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 610 3,479 SH   SOLE   3,479 0 0
ABBOTT LABS COM 002824100 23,154 196,005 SH   SOLE   196,005 0 0
ABBVIE INC COM 00287y109 883 8,182 SH   SOLE   8,182 0 0
ADOBE INC COM 00724f101 26,197 45,503 SH   SOLE   45,503 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 803 3,135 SH   SOLE   3,135 0 0
ALPHABET INC CL A COM 02079k305 28,946 10,827 SH   SOLE   10,827 0 0
ALPHABET INC CL C COM 02079k107 1,213 455 SH   SOLE   455 0 0
AMAZON.COM INC COM 023135106 30,840 9,388 SH   SOLE   9,388 0 0
AMERICAN TOWER CORP REIT COM 03027x100 6,163 23,220 SH   SOLE   23,220 0 0
AMN HEALTHCARE SVCS INC COM 001744101 218 1,900 SH   SOLE   1,900 0 0
ANALOG DEVICES INC COM 032654105 483 2,883 SH   SOLE   2,883 0 0
ANGI INC CL A COM 00183l102 3,272 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 35,874 253,523 SH   SOLE   253,523 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 2,107 10,538 SH   SOLE   10,538 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 20 100 SH   DFND   100 0 0
BANK OF AMERICA CORP COM 060505104 21,142 498,049 SH   SOLE   498,049 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 369 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 8,248 33,551 SH   SOLE   33,551 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 411 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 934 3,421 SH   SOLE   3,421 0 0
BEYOND AIR INC COM 08862l103 293 26,325 SH   SOLE   26,325 0 0
BIOGEN INC COM 09062x103 590 2,084 SH   SOLE   2,084 0 0
BLACKROCK INC CL A COM 09247x101 9,551 11,389 SH   SOLE   11,389 0 0
BOEING CO COM 097023105 588 2,674 SH   SOLE   2,674 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 8,223 138,965 SH   SOLE   138,965 0 0
BROADCOM INC COM 11135f101 10,623 21,907 SH   SOLE   21,907 0 0
CAMBRIDGE BANCORP COM 132152109 477 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 487 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104 311 6,016 SH   SOLE   6,016 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 205 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 492 4,852 SH   SOLE   4,852 0 0
CHURCH & DWIGHT INC COM 171340102 680 8,240 SH   SOLE   8,240 0 0
CISCO SYSTEMS INC COM 17275r102 574 10,544 SH   SOLE   10,544 0 0
COCA COLA CO COM 191216100 13,216 251,883 SH   SOLE   251,883 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COM 192446102 265 3,569 SH   SOLE   3,569 0 0
DANAHER CORP COM 235851102 694 2,280 SH   SOLE   2,280 0 0
DISNEY WALT CO NEW COM 254687106 9,796 57,908 SH   SOLE   57,908 0 0
DOW INC COM 260557103 265 4,601 SH   SOLE   4,601 0 0
DUPONT DE NEMOURS INC COM 26614n102 308 4,533 SH   SOLE   4,533 0 0
EASTERN BANKSHARES INC COM 27627n105 203 10,000 SH   SOLE   10,000 0 0
ECOLAB INC COM 278865100 7,349 35,231 SH   SOLE   35,231 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 598 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104 1,128 11,975 SH   SOLE   11,975 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506 11,168 214,398 SH   SOLE   214,398 0 0
EXXON MOBIL CORP COM 30231g102 2,214 37,642 SH   SOLE   37,642 0 0
FACEBOOK INC-A COM 30303m102 302 889 SH   SOLE   889 0 0
FISERV INC COM 337738108 556 5,125 SH   SOLE   5,125 0 0
GENUINE PARTS CO COM 372460105 347 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 321 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 15,442 47,042 SH   SOLE   47,042 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 13,809 65,049 SH   SOLE   65,049 0 0
ILLINOIS TOOL WKS INC COM 452308109 403 1,950 SH   SOLE   1,950 0 0
INTEL CORP COM 458140100 1,371 25,734 SH   SOLE   25,734 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 10,499 91,438 SH   SOLE   91,438 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 11,206 80,661 SH   SOLE   80,661 0 0
INTUIT INC COM 461202103 1,084 2,010 SH   SOLE   2,010 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 394 3,423 SH   SOLE   3,423 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556 9,424 58,287 SH   SOLE   58,287 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 7,158 72,757 SH   SOLE   72,757 0 0
ISHARES GOLD TRUST COM 464285204 42,865 1,282,986 SH   SOLE   1,282,986 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 1,035 12,442 SH   SOLE   12,442 0 0
JOHNSON & JOHNSON COM 478160104 18,013 111,533 SH   SOLE   111,533 0 0
JP MORGAN CHASE & CO COM 46625h100 20,506 125,274 SH   SOLE   125,274 0 0
LAUDER ESTEE COS CL-A COM 518439104 240 800 SH   SOLE   800 0 0
LILLY ELI & CO COM 532457108 605 2,620 SH   SOLE   2,620 0 0
LINDE PLC COM g5494j103 14,923 50,867 SH   SOLE   50,867 0 0
LOWES COS INC COM 548661107 41 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 1,013 2,915 SH   SOLE   2,915 0 0
MCDONALDS CORP COM 580135101 892 3,700 SH   SOLE   3,700 0 0
MERCK & CO INC COM 58933y105 15,302 203,730 SH   SOLE   203,730 0 0
MICROSOFT CORP COM 594918104 48,485 171,981 SH   SOLE   171,981 0 0
NESTLE SA SPONS ADR COM 641069406 13,579 112,961 SH   SOLE   112,961 0 0
NEXTERA ENERGY INC COM 65339f101 24,674 314,235 SH   SOLE   314,235 0 0
NVIDIA CORP COM 67066g104 14,364 69,337 SH   SOLE   69,337 0 0
OTIS WORLDWIDE CORP COM 68902v107 247 3,001 SH   SOLE   3,001 0 0
PAYPAL HOLDINGS INC COM 70450y103 19,883 76,412 SH   SOLE   76,412 0 0
PEPSICO INC COM 713448108 13,675 90,919 SH   SOLE   90,919 0 0
PEPSICO INC COM 713448108 15 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 851 19,796 SH   SOLE   19,796 0 0
PFIZER INC COM 717081103 65 1,511 SH   DFND   1,511 0 0
PIMCO ACTIVE BOND ETF COM 72201r775 780 7,056 SH   SOLE   7,056 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 688 3,518 SH   SOLE   3,518 0 0
POWER CORP OF CANADA COM 739239101 212 6,400 SH   SOLE   6,400 0 0
PROCTER & GAMBLE CO COM 742718109 15,741 112,593 SH   SOLE   112,593 0 0
PROLOGIS INC REIT COM 74340w103 7,129 56,835 SH   SOLE   56,835 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 10 73,500 SH   SOLE   73,500 0 0
QUALCOMM INC COM 747525103 217 1,680 SH   SOLE   1,680 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 691 8,039 SH   SOLE   8,039 0 0
RIO TINTO PLC SPONS ADR COM 767204100 4,470 66,895 SH   SOLE   66,895 0 0
ROPER TECHNOLOGIES INC COM 776696106 248 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 557 5,600 SH   SOLE   5,600 0 0
SALESFORCE.COM COM 79466l302 26,509 97,739 SH   SOLE   97,739 0 0
SPDR BLACKSTONE SENIOR LOAN ETF COM 78467v608 231 5,012 SH   SOLE   5,012 0 0
SPDR DOUBLELINE TR TACT ETF COM 78467v848 319 6,599 SH   SOLE   6,599 0 0
SPDR GOLD TRUST COM 78463v107 873 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509 16,638 391,207 SH   SOLE   391,207 0 0
STARBUCKS CORP COM 855244109 395 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 454 5,364 SH   SOLE   5,364 0 0
STRYKER CORPORATION COM 863667101 977 3,705 SH   SOLE   3,705 0 0
TARGET CORP COM 87612e106 527 2,305 SH   SOLE   2,305 0 0
TESLA INC COM 88160r101 216 278 SH   SOLE   278 0 0
TJX COS INC COM 872540109 9,669 141,990 SH   SOLE   141,990 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 15,851 80,869 SH   SOLE   80,869 0 0
UNITEDHEALTH GROUP INC COM 91324p102 10,861 27,795 SH   SOLE   27,795 0 0
US BANCORP NEW COM 902973304 822 13,827 SH   SOLE   13,827 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 7,076 46,068 SH   SOLE   46,068 0 0
VANGUARD INFO TECH ETF COM 92204a702 261 650 SH   SOLE   650 0 0
VANGUARD SHORT TERM CORP BOND ETF COM 92206c409 418 5,076 SH   SOLE   5,076 0 0
VERIZON COMMUNICATIONS COM 92343v104 11,995 222,082 SH   SOLE   222,082 0 0
VISA INC CL A COM 92826c839 20,389 91,534 SH   SOLE   91,534 0 0
WALMART INC COM 931142103 11,516 82,623 SH   SOLE   82,623 0 0
WEYERHAEUSER CO REIT COM 962166104 573 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 20 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 11,952 96,635 SH   SOLE   96,635 0 0
YUM BRANDS INC COM 988498101 396 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 16,673 85,881 SH   SOLE   85,881 0 0
ZOETIS INC COM 98978v103 92 476 SH   DFND   476 0 0