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 3,433 SH   SOLE   3,433 0 0
ABBOTT LABS COM 002824100 20,847 148,124 SH   SOLE   148,124 0 0
ABBVIE INC COM 00287y109 1,089 8,041 SH   SOLE   8,041 0 0
ADOBE INC COM 00724f101 25,822 45,536 SH   SOLE   45,536 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 954 3,135 SH   SOLE   3,135 0 0
ALPHABET INC CL A COM 02079k305 31,491 10,870 SH   SOLE   10,870 0 0
ALPHABET INC CL C COM 02079k107 1,363 471 SH   SOLE   471 0 0
AMAZON.COM INC COM 023135106 31,383 9,412 SH   SOLE   9,412 0 0
AMERICAN TOWER CORP REIT COM 03027x100 6,800 23,248 SH   SOLE   23,248 0 0
AMN HEALTHCARE SVCS INC COM 001744101 232 1,900 SH   SOLE   1,900 0 0
ANALOG DEVICES INC COM 032654105 502 2,857 SH   SOLE   2,857 0 0
ANGI INC CL A COM 00183l102 2,442 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 45,073 253,834 SH   SOLE   253,834 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 2,598 10,538 SH   SOLE   10,538 0 0
BANK OF AMERICA CORP COM 060505104 22,228 499,616 SH   SOLE   499,616 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 430 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 8,376 33,307 SH   SOLE   33,307 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 451 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 1,021 3,414 SH   SOLE   3,414 0 0
BEYOND AIR INC COM 08862l103 249 26,325 SH   SOLE   26,325 0 0
BIOGEN INC COM 09062x103 500 2,084 SH   SOLE   2,084 0 0
BLACKROCK INC CL A COM 09247x101 10,506 11,475 SH   SOLE   11,475 0 0
BOEING CO COM 097023105 538 2,674 SH   SOLE   2,674 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 8,638 138,541 SH   SOLE   138,541 0 0
BROADCOM INC COM 11135f101 14,650 22,017 SH   SOLE   22,017 0 0
CAMBRIDGE BANCORP COM 132152109 507 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 517 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104 353 6,510 SH   SOLE   6,510 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 212 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 642 5,468 SH   SOLE   5,468 0 0
CHURCH & DWIGHT INC COM 171340102 845 8,240 SH   SOLE   8,240 0 0
CISCO SYSTEMS INC COM 17275r102 726 11,454 SH   SOLE   11,454 0 0
COCA COLA CO COM 191216100 14,901 251,661 SH   SOLE   251,661 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COM 192446102 262 2,956 SH   SOLE   2,956 0 0
CORTEVA INC COM 22052l104 211 4,457 SH   SOLE   4,457 0 0
COSTCO WHOLESALE CORP COM 22160k105 227 400 SH   SOLE   400 0 0
DANAHER CORP COM 235851102 7,981 24,258 SH   SOLE   24,258 0 0
DISNEY WALT CO NEW COM 254687106 8,923 57,611 SH   SOLE   57,611 0 0
DOW INC COM 260557103 261 4,601 SH   SOLE   4,601 0 0
DUPONT DE NEMOURS INC COM 26614n102 366 4,533 SH   SOLE   4,533 0 0
EASTERN BANKSHARES INC COM 27627n105 212 10,500 SH   SOLE   10,500 0 0
ECOLAB INC COM 278865100 8,331 35,515 SH   SOLE   35,515 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 685 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104 1,113 11,970 SH   SOLE   11,970 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506 11,905 214,499 SH   SOLE   214,499 0 0
EXXON MOBIL CORP COM 30231g102 2,356 38,501 SH   SOLE   38,501 0 0
FISERV INC COM 337738108 532 5,125 SH   SOLE   5,125 0 0
GENUINE PARTS CO COM 372460105 402 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 340 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 19,598 47,223 SH   SOLE   47,223 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 13,597 65,210 SH   SOLE   65,210 0 0
ILLINOIS TOOL WKS INC COM 452308109 508 2,060 SH   SOLE   2,060 0 0
INTEL CORP COM 458140100 1,340 26,014 SH   SOLE   26,014 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 12,488 91,309 SH   SOLE   91,309 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 10,735 80,321 SH   SOLE   80,321 0 0
INTUIT INC COM 461202103 1,293 2,010 SH   SOLE   2,010 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 378 3,364 SH   SOLE   3,364 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556 8,918 58,435 SH   SOLE   58,435 0 0
ISHARES CORE S&P SMALL-CAP ETF COM 464287804 16,026 139,954 SH   SOLE   139,954 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 7,808 72,982 SH   SOLE   72,982 0 0
ISHARES GOLD TRUST COM 464285204 44,510 1,278,664 SH   SOLE   1,278,664 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 1,128 12,140 SH   SOLE   12,140 0 0
JOHNSON & JOHNSON COM 478160104 19,105 111,682 SH   SOLE   111,682 0 0
JP MORGAN CHASE & CO COM 46625h100 19,960 126,049 SH   SOLE   126,049 0 0
LAUDER ESTEE COS CL-A COM 518439104 296 800 SH   SOLE   800 0 0
LILLY ELI & CO COM 532457108 779 2,820 SH   SOLE   2,820 0 0
LINDE PLC COM g5494j103 17,698 51,086 SH   SOLE   51,086 0 0
MASTERCARD INC CL A COM 57636q104 1,047 2,915 SH   SOLE   2,915 0 0
MCDONALDS CORP COM 580135101 1,047 3,907 SH   SOLE   3,907 0 0
MERCK & CO INC COM 58933y105 15,694 204,773 SH   SOLE   204,773 0 0
META PLATFORMS INC CL A COM 30303m102 299 889 SH   SOLE   889 0 0
MICROSOFT CORP COM 594918104 51,675 153,647 SH   SOLE   153,647 0 0
NESTLE SA SPONS ADR COM 641069406 12,761 90,910 SH   SOLE   90,910 0 0
NEXTERA ENERGY INC COM 65339f101 29,456 315,509 SH   SOLE   315,509 0 0
NVIDIA CORP COM 67066g104 20,446 69,519 SH   SOLE   69,519 0 0
OTIS WORLDWIDE CORP COM 68902v107 283 3,248 SH   SOLE   3,248 0 0
PAYPAL HOLDINGS INC COM 70450y103 14,485 76,810 SH   SOLE   76,810 0 0
PEPSICO INC COM 713448108 15,936 91,740 SH   SOLE   91,740 0 0
PFIZER INC COM 717081103 1,258 21,296 SH   SOLE   21,296 0 0
PIMCO ACTIVE BOND ETF COM 72201r775 778 7,111 SH   SOLE   7,111 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 763 3,803 SH   SOLE   3,803 0 0
POWER CORP OF CANADA COM 739239101 212 6,400 SH   SOLE   6,400 0 0
PROCTER & GAMBLE CO COM 742718109 18,548 113,390 SH   SOLE   113,390 0 0
PROLOGIS INC REIT COM 74340w103 9,578 56,892 SH   SOLE   56,892 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 8 73,500 SH   SOLE   73,500 0 0
QUALCOMM INC COM 747525103 307 1,680 SH   SOLE   1,680 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 716 8,323 SH   SOLE   8,323 0 0
RIO TINTO PLC SPONS ADR COM 767204100 4,442 66,362 SH   SOLE   66,362 0 0
ROPER TECHNOLOGIES INC COM 776696106 273 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 594 5,600 SH   SOLE   5,600 0 0
SALESFORCE.COM COM 79466l302 19,572 77,017 SH   SOLE   77,017 0 0
SPDR BLACKSTONE SENIOR LOAN ETF COM 78467v608 230 5,037 SH   SOLE   5,037 0 0
SPDR DOUBLELINE TR TACT ETF COM 78467v848 314 6,634 SH   SOLE   6,634 0 0
SPDR GOLD TRUST COM 78463v107 909 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509 16,226 391,090 SH   SOLE   391,090 0 0
STARBUCKS CORP COM 855244109 418 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 498 5,360 SH   SOLE   5,360 0 0
STRYKER CORPORATION COM 863667101 987 3,689 SH   SOLE   3,689 0 0
TARGET CORP COM 87612e106 626 2,705 SH   SOLE   2,705 0 0
TESLA INC COM 88160r101 300 284 SH   SOLE   284 0 0
TJX COS INC COM 872540109 10,792 142,144 SH   SOLE   142,144 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 20,405 80,996 SH   SOLE   80,996 0 0
UNITEDHEALTH GROUP INC COM 91324p102 14,058 27,996 SH   SOLE   27,996 0 0
US BANCORP NEW COM 902973304 791 14,077 SH   SOLE   14,077 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 7,984 46,486 SH   SOLE   46,486 0 0
VANGUARD INFO TECH ETF COM 92204a702 298 650 SH   SOLE   650 0 0
VANGUARD SHORT TERM CORP BOND ETF COM 92206c409 415 5,106 SH   SOLE   5,106 0 0
VERIZON COMMUNICATIONS COM 92343v104 11,596 223,176 SH   SOLE   223,176 0 0
VISA INC CL A COM 92826c839 19,849 91,594 SH   SOLE   91,594 0 0
WALMART INC COM 931142103 11,970 82,728 SH   SOLE   82,728 0 0
WEYERHAEUSER CO REIT COM 962166104 663 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 16 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 11,619 96,890 SH   SOLE   96,890 0 0
YUM BRANDS INC COM 988498101 449 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 20,937 85,797 SH   SOLE   85,797 0 0
PFIZER INC COM 717081103 89 1,511 SH   DFND   1,511 0 0
ZOETIS INC COM 98978v103 116 476 SH   DFND   476 0 0
LOWES COS INC COM 548661107 52 200 SH   DFND   200 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 25 100 SH   DFND   100 0 0
PEPSICO INC COM 713448108 17 100 SH   DFND   100 0 0