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 425 3,285 SH   SOLE   3,285 0 0
ABBOTT LABS COM 002824100 15,981 147,089 SH   SOLE   147,089 0 0
ABBVIE INC COM 00287y109 1,232 8,041 SH   SOLE   8,041 0 0
ADOBE INC COM 00724f101 11,042 30,164 SH   SOLE   30,164 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 750 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305 23,623 10,840 SH   SOLE   10,840 0 0
ALPHABET INC CL C COM 02079k107 1,011 462 SH   SOLE   462 0 0
AMAZON.COM INC COM 023135106 19,944 187,777 SH   SOLE   187,777 0 0
AMERICAN TOWER CORP REIT COM 03027x100 5,836 22,834 SH   SOLE   22,834 0 0
AMN HEALTHCARE SVCS INC COM 001744101 208 1,900 SH   SOLE   1,900 0 0
ANALOG DEVICES INC COM 032654105 470 3,214 SH   SOLE   3,214 0 0
ANGI INC CL A COM 00183l102 1,215 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 34,290 250,802 SH   SOLE   250,802 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 2,199 10,469 SH   SOLE   10,469 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 21 100 SH   DFND   100 0 0
BANK OF AMERICA CORP COM 060505104 15,538 499,133 SH   SOLE   499,133 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 355 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 8,265 33,527 SH   SOLE   33,527 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 409 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 933 3,418 SH   SOLE   3,418 0 0
BEYOND AIR INC COM 08862l103 234 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103 417 2,044 SH   SOLE   2,044 0 0
BLACKROCK INC CL A COM 09247x101 7,009 11,508 SH   SOLE   11,508 0 0
BOEING CO COM 097023105 362 2,651 SH   SOLE   2,651 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 10,718 139,201 SH   SOLE   139,201 0 0
BROADCOM INC COM 11135f101 10,708 22,041 SH   SOLE   22,041 0 0
CAMBRIDGE BANCORP COM 132152109 448 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 473 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104 231 6,470 SH   SOLE   6,470 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 221 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 764 5,276 SH   SOLE   5,276 0 0
CHURCH & DWIGHT INC COM 171340102 764 8,240 SH   SOLE   8,240 0 0
CISCO SYSTEMS INC COM 17275r102 488 11,454 SH   SOLE   11,454 0 0
COCA COLA CO COM 191216100 15,819 251,451 SH   SOLE   251,451 0 0
CORTEVA INC COM 22052l104 241 4,452 SH   SOLE   4,452 0 0
DANAHER CORP COM 235851102 6,146 24,243 SH   SOLE   24,243 0 0
DISNEY WALT CO NEW COM 254687106 5,443 57,656 SH   SOLE   57,656 0 0
DOW INC COM 260557103 250 4,835 SH   SOLE   4,835 0 0
DUPONT DE NEMOURS INC COM 26614n102 252 4,528 SH   SOLE   4,528 0 0
EASTERN BANKSHARES INC COM 27627n105 194 10,500 SH   SOLE   10,500 0 0
ECOLAB INC COM 278865100 5,351 34,803 SH   SOLE   34,803 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 503 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104 951 11,958 SH   SOLE   11,958 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506 15,426 215,715 SH   SOLE   215,715 0 0
EXXON MOBIL CORP COM 30231g102 3,333 38,918 SH   SOLE   38,918 0 0
FISERV INC COM 337738108 456 5,125 SH   SOLE   5,125 0 0
GENUINE PARTS CO COM 372460105 381 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 267 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 7,750 28,256 SH   SOLE   28,256 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 11,256 64,760 SH   SOLE   64,760 0 0
ILLINOIS TOOL WKS INC COM 452308109 375 2,060 SH   SOLE   2,060 0 0
INTEL CORP COM 458140100 989 26,432 SH   SOLE   26,432 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 8,590 91,344 SH   SOLE   91,344 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 11,312 80,120 SH   SOLE   80,120 0 0
INTUIT INC COM 461202103 757 1,963 SH   SOLE   1,963 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 332 3,243 SH   SOLE   3,243 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556 6,834 58,099 SH   SOLE   58,099 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507 12,934 57,170 SH   SOLE   57,170 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 6,162 73,553 SH   SOLE   73,553 0 0
ISHARES GOLD TRUST COM 464285204 49,290 1,436,601 SH   SOLE   1,436,601 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 876 12,177 SH   SOLE   12,177 0 0
JOHNSON & JOHNSON COM 478160104 19,811 111,606 SH   SOLE   111,606 0 0
JP MORGAN CHASE & CO COM 46625h100 14,148 125,640 SH   SOLE   125,640 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654 248 4,905 SH   SOLE   4,905 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837 248 4,943 SH   SOLE   4,943 0 0
LAUDER ESTEE COS CL-A COM 518439104 204 800 SH   SOLE   800 0 0
LILLY ELI & CO COM 532457108 847 2,612 SH   SOLE   2,612 0 0
LINDE PLC COM g5494j103 14,639 50,914 SH   SOLE   50,914 0 0
LOWES COS INC COM 548661107 35 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 909 2,882 SH   SOLE   2,882 0 0
MCDONALDS CORP COM 580135101 989 4,007 SH   SOLE   4,007 0 0
MERCK & CO INC COM 58933y105 18,678 204,873 SH   SOLE   204,873 0 0
MICROSOFT CORP COM 594918104 39,111 152,285 SH   SOLE   152,285 0 0
NESTLE SA SPONS ADR COM 641069406 10,481 90,052 SH   SOLE   90,052 0 0
NEXTERA ENERGY INC COM 65339f101 18,287 236,080 SH   SOLE   236,080 0 0
NVIDIA CORP COM 67066g104 10,590 69,860 SH   SOLE   69,860 0 0
OTIS WORLDWIDE CORP COM 68902v107 228 3,226 SH   SOLE   3,226 0 0
PAYPAL HOLDINGS INC COM 70450y103 5,230 74,884 SH   SOLE   74,884 0 0
PEPSICO INC COM 713448108 15,284 91,705 SH   SOLE   91,705 0 0
PEPSICO INC COM 713448108 17 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 1,097 20,928 SH   SOLE   20,928 0 0
PFIZER INC COM 717081103 79 1,511 SH   DFND   1,511 0 0
PIMCO ACTIVE BOND ETF COM 72201r775 649 6,811 SH   SOLE   6,811 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 618 3,918 SH   SOLE   3,918 0 0
PROCTER & GAMBLE CO COM 742718109 16,333 113,589 SH   SOLE   113,589 0 0
PROLOGIS INC REIT COM 74340w103 6,698 56,929 SH   SOLE   56,929 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 467 73,500 SH   SOLE   73,500 0 0
QUALCOMM INC COM 747525103 215 1,680 SH   SOLE   1,680 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 741 7,711 SH   SOLE   7,711 0 0
RIO TINTO PLC SPONS ADR COM 767204100 4,069 66,701 SH   SOLE   66,701 0 0
ROPER TECHNOLOGIES INC COM 776696106 219 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 542 5,600 SH   SOLE   5,600 0 0
SALESFORCE INC COM 79466l302 7,293 44,189 SH   SOLE   44,189 0 0
SPDR BLACKSTONE SENIOR LOAN ETF COM 78467v608 203 4,867 SH   SOLE   4,867 0 0
SPDR DOUBLELINE TR TACT ETF COM 78467v848 270 6,402 SH   SOLE   6,402 0 0
SPDR GOLD TRUST COM 78463v107 896 5,318 SH   SOLE   5,318 0 0
STARBUCKS CORP COM 855244109 273 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 327 5,305 SH   SOLE   5,305 0 0
STRYKER CORPORATION COM 863667101 726 3,648 SH   SOLE   3,648 0 0
TARGET CORP COM 87612e106 359 2,540 SH   SOLE   2,540 0 0
TJX COS INC COM 872540109 7,909 141,614 SH   SOLE   141,614 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 17,261 80,930 SH   SOLE   80,930 0 0
UNITEDHEALTH GROUP INC COM 91324p102 14,536 28,300 SH   SOLE   28,300 0 0
US BANCORP NEW COM 902973304 639 13,889 SH   SOLE   13,889 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 6,819 47,531 SH   SOLE   47,531 0 0
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 13,583 326,118 SH   SOLE   326,118 0 0
VANGUARD INFO TECH ETF COM 92204a702 212 650 SH   SOLE   650 0 0
VANGUARD SHORT TERM CORP BOND ETF COM 92206c409 376 4,929 SH   SOLE   4,929 0 0
VERIZON COMMUNICATIONS COM 92343v104 11,285 222,366 SH   SOLE   222,366 0 0
VISA INC CL A COM 92826c839 12,453 63,250 SH   SOLE   63,250 0 0
WALMART INC COM 931142103 10,012 82,348 SH   SOLE   82,348 0 0
WEYERHAEUSER CO REIT COM 962166104 533 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 14 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 7,538 96,421 SH   SOLE   96,421 0 0
YUM BRANDS INC COM 988498101 367 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 14,688 85,450 SH   SOLE   85,450 0 0
ZOETIS INC COM 98978v103 82 476 SH   DFND   476 0 0