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 503 3,378 SH   SOLE   3,378 0 0
ABBOTT LABS COM 002824100 17,472 147,621 SH   SOLE   147,621 0 0
ABBVIE INC COM 00287y109 1,304 8,041 SH   SOLE   8,041 0 0
ADOBE INC COM 00724f101 13,769 30,220 SH   SOLE   30,220 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 782 3,130 SH   SOLE   3,130 0 0
ALPHABET INC CL A COM 02079k305 30,158 10,843 SH   SOLE   10,843 0 0
ALPHABET INC CL C COM 02079k107 1,313 470 SH   SOLE   470 0 0
AMAZON.COM INC COM 023135106 30,624 9,394 SH   SOLE   9,394 0 0
AMERICAN TOWER CORP REIT COM 03027x100 5,752 22,896 SH   SOLE   22,896 0 0
ANALOG DEVICES INC COM 032654105 570 3,449 SH   SOLE   3,449 0 0
ANGI INC CL A COM 00183l102 1,504 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 44,006 252,022 SH   SOLE   252,022 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 2,394 10,523 SH   SOLE   10,523 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 23 100 SH   DFND   100 0 0
BANK OF AMERICA CORP COM 060505104 20,563 498,849 SH   SOLE   498,849 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 430 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 8,918 33,526 SH   SOLE   33,526 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 529 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 1,203 3,408 SH   SOLE   3,408 0 0
BEYOND AIR INC COM 08862l103 176 26,325 SH   SOLE   26,325 0 0
BIOGEN INC COM 09062x103 430 2,044 SH   SOLE   2,044 0 0
BLACKROCK INC CL A COM 09247x101 8,787 11,499 SH   SOLE   11,499 0 0
BOEING CO COM 097023105 510 2,664 SH   SOLE   2,664 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 10,178 139,363 SH   SOLE   139,363 0 0
BROADCOM INC COM 11135f101 13,890 22,059 SH   SOLE   22,059 0 0
CAMBRIDGE BANCORP COM 132152109 460 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 565 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104 300 6,532 SH   SOLE   6,532 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 251 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 870 5,346 SH   SOLE   5,346 0 0
CHURCH & DWIGHT INC COM 171340102 819 8,240 SH   SOLE   8,240 0 0
CISCO SYSTEMS INC COM 17275r102 639 11,454 SH   SOLE   11,454 0 0
COCA COLA CO COM 191216100 15,631 252,117 SH   SOLE   252,117 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COM 192446102 265 2,956 SH   SOLE   2,956 0 0
CORTEVA INC COM 22052l104 256 4,457 SH   SOLE   4,457 0 0
COSTCO WHOLESALE CORP COM 22160k105 231 402 SH   SOLE   402 0 0
DANAHER CORP COM 235851102 7,090 24,171 SH   SOLE   24,171 0 0
DISNEY WALT CO NEW COM 254687106 7,900 57,596 SH   SOLE   57,596 0 0
DOW INC COM 260557103 318 4,996 SH   SOLE   4,996 0 0
DUPONT DE NEMOURS INC COM 26614n102 334 4,533 SH   SOLE   4,533 0 0
EASTERN BANKSHARES INC COM 27627n105 226 10,500 SH   SOLE   10,500 0 0
ECOLAB INC COM 278865100 6,265 35,482 SH   SOLE   35,482 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 622 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104 1,174 11,970 SH   SOLE   11,970 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506 16,486 215,667 SH   SOLE   215,667 0 0
EXXON MOBIL CORP COM 30231g102 3,218 38,964 SH   SOLE   38,964 0 0
FISERV INC COM 337738108 520 5,125 SH   SOLE   5,125 0 0
GENUINE PARTS CO COM 372460105 361 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 291 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 8,493 28,374 SH   SOLE   28,374 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 12,600 64,756 SH   SOLE   64,756 0 0
ILLINOIS TOOL WKS INC COM 452308109 431 2,060 SH   SOLE   2,060 0 0
INTEL CORP COM 458140100 1,342 27,080 SH   SOLE   27,080 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 12,064 91,314 SH   SOLE   91,314 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 10,425 80,182 SH   SOLE   80,182 0 0
INTUIT INC COM 461202103 966 2,010 SH   SOLE   2,010 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 354 3,298 SH   SOLE   3,298 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556 7,574 58,127 SH   SOLE   58,127 0 0
ISHARES CORE S&P SMALL-CAP ETF COM 464287804 15,269 141,535 SH   SOLE   141,535 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 7,435 73,657 SH   SOLE   73,657 0 0
ISHARES GOLD TRUST COM 464285204 53,313 1,447,554 SH   SOLE   1,447,554 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 1,028 11,863 SH   SOLE   11,863 0 0
JOHNSON & JOHNSON COM 478160104 19,792 111,672 SH   SOLE   111,672 0 0
JP MORGAN CHASE & CO COM 46625h100 17,158 125,866 SH   SOLE   125,866 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654 296 5,851 SH   SOLE   5,851 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837 296 5,891 SH   SOLE   5,891 0 0
LAUDER ESTEE COS CL-A COM 518439104 218 800 SH   SOLE   800 0 0
LILLY ELI & CO COM 532457108 804 2,806 SH   SOLE   2,806 0 0
LINDE PLC COM 05494j103 16,265 50,918 SH   SOLE   50,918 0 0
LOWES COS INC COM 548661107 40 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 1,031 2,886 SH   SOLE   2,886 0 0
MCDONALDS CORP COM 580135101 966 3,907 SH   SOLE   3,907 0 0
MERCK & CO INC COM 58933y105 16,844 205,291 SH   SOLE   205,291 0 0
META PLATFORMS INC CL A COM 30303m102 207 931 SH   SOLE   931 0 0
MICROSOFT CORP COM 594918104 47,018 152,503 SH   SOLE   152,503 0 0
NESTLE SA SPONS ADR COM 641069406 11,741 90,245 SH   SOLE   90,245 0 0
NEXTERA ENERGY INC COM 65339f101 20,068 236,903 SH   SOLE   236,903 0 0
NVIDIA CORP COM 67066g104 19,033 69,753 SH   SOLE   69,753 0 0
OTIS WORLDWIDE CORP COM 68902v107 250 3,243 SH   SOLE   3,243 0 0
PAYPAL HOLDINGS INC COM 70450y103 8,758 75,729 SH   SOLE   75,729 0 0
PEPSICO INC COM 713448108 15,375 91,854 SH   SOLE   91,854 0 0
PEPSICO INC COM 713448108 17 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 1,100 21,256 SH   SOLE   21,256 0 0
PFIZER INC COM 717081103 78 1,511 SH   DFND   1,511 0 0
PIMCO ACTIVE BOND ETF COM 72201r775 724 7,111 SH   SOLE   7,111 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 704 3,817 SH   SOLE   3,817 0 0
PROCTER & GAMBLE CO COM 742718109 17,395 113,841 SH   SOLE   113,841 0 0
PROLOGIS INC REIT COM 74340w103 9,188 56,897 SH   SOLE   56,897 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 7 73,500 SH   SOLE   73,500 0 0
QUALCOMM INC COM 747525103 258 1,686 SH   SOLE   1,686 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 779 7,868 SH   SOLE   7,868 0 0
RIO TINTO PLC SPONS ADR COM 767204100 5,337 66,381 SH   SOLE   66,381 0 0
ROPER TECHNOLOGIES INC COM 776696106 262 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 618 5,600 SH   SOLE   5,600 0 0
SALESFORCE INC COM 79466l302 9,412 44,329 SH   SOLE   44,329 0 0
SPDR BLACKSTONE SENIOR LOAN ETF COM 78467v608 226 5,037 SH   SOLE   5,037 0 0
SPDR DOUBLELINE TR TACT ETF COM 78467v848 297 6,634 SH   SOLE   6,634 0 0
SPDR GOLD TRUST COM 78463v107 961 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509 15,065 389,876 SH   SOLE   389,876 0 0
STARBUCKS CORP COM 855244109 326 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 467 5,360 SH   SOLE   5,360 0 0
STRYKER CORPORATION COM 863667101 986 3,689 SH   SOLE   3,689 0 0
TARGET CORP COM 87612e106 540 2,545 SH   SOLE   2,545 0 0
TESLA INC COM 88160r101 325 302 SH   SOLE   302 0 0
TJX COS INC COM 872540109 8,585 141,719 SH   SOLE   141,719 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 22,090 80,852 SH   SOLE   80,852 0 0
UNITEDHEALTH GROUP INC COM 91324p102 14,393 28,224 SH   SOLE   28,224 0 0
US BANCORP NEW COM 902973304 738 13,889 SH   SOLE   13,889 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 7,701 47,491 SH   SOLE   47,491 0 0
VANGUARD INFO TECH ETF COM 92204a702 271 650 SH   SOLE   650 0 0
VANGUARD SHORT TERM CORP BOND ETF COM 92206c409 399 5,106 SH   SOLE   5,106 0 0
VERIZON COMMUNICATIONS COM 92343v104 11,346 222,730 SH   SOLE   222,730 0 0
VISA INC CL A COM 92826c839 14,051 63,360 SH   SOLE   63,360 0 0
WALMART INC COM 931142103 12,311 82,668 SH   SOLE   82,668 0 0
WEYERHAEUSER CO REIT COM 962166104 610 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 17 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 8,218 96,388 SH   SOLE   96,388 0 0
YUM BRANDS INC COM 988498101 383 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 16,161 85,692 SH   SOLE   85,692 0 0
ZOETIS INC COM 98978v103 90 476 SH   DFND   476 0 0