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 358 3,239 SH   SOLE   3,239 0 0
ABBOTT LABS COM 002824100 14,428 149,107 SH   SOLE   149,107 0 0
ABBVIE INC COM 00287y109 1,079 8,041 SH   SOLE   8,041 0 0
ADOBE INC COM 00724f101 8,317 30,220 SH   SOLE   30,220 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 726 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305 20,988 219,420 SH   SOLE   219,420 0 0
ALPHABET INC CL C COM 02079k107 972 10,105 SH   SOLE   10,105 0 0
AMAZON COM INC COM 023135106 21,407 189,445 SH   SOLE   189,445 0 0
AMERICAN TOWER CORP REIT COM 03027x100 4,958 23,092 SH   SOLE   23,092 0 0
AMN HEALTHCARE SVCS INC COM 001744101 201 1,900 SH   SOLE   1,900 0 0
ANALOG DEVICES INC COM 032654105 609 4,372 SH   SOLE   4,372 0 0
ANGI INC CL A COM 00183l102 782 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 35,417 256,273 SH   SOLE   256,273 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 2,351 10,396 SH   SOLE   10,396 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 16 100 SH   DFND   100 0 0
BANK OF AMERICA CORP COM 060505104 15,214 503,774 SH   SOLE   503,774 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 285 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 7,670 34,422 SH   SOLE   34,422 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 406 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 910 3,408 SH   SOLE   3,408 0 0
BEYOND AIR INC COM 08862l103 261 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103 560 2,099 SH   SOLE   2,099 0 0
BLACKROCK INC CL A COM 09247x101 6,382 11,597 SH   SOLE   11,597 0 0
BOEING CO COM 097023105 320 2,641 SH   SOLE   2,641 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 10,053 141,414 SH   SOLE   141,414 0 0
BROADCOM INC COM 11135f101 9,880 22,251 SH   SOLE   22,251 0 0
CAMBRIDGE BANCORP COM 132152109 432 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 455 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104 228 6,425 SH   SOLE   6,425 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104 203 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100 861 5,992 SH   SOLE   5,992 0 0
CHURCH & DWIGHT INC COM 171340102 609 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102 451 11,294 SH   SOLE   11,294 0 0
COCA COLA CO COM 191216100 14,256 254,488 SH   SOLE   254,488 0 0
CORTEVA INC COM 22052l104 281 4,917 SH   SOLE   4,917 0 0
DANAHER CORP COM 235851102 6,309 24,427 SH   SOLE   24,427 0 0
DISNEY WALT CO NEW COM 254687106 289 3,061 SH   SOLE   3,061 0 0
DOW INC COM 260557103 226 5,148 SH   SOLE   5,148 0 0
DUPONT DE NEMOURS INC COM 26614n102 244 4,841 SH   SOLE   4,841 0 0
ECOLAB INC COM 278865100 5,120 35,451 SH   SOLE   35,451 0 0
EDWARDS LIFESCIENCES CORP COM 27176e108 436 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104 875 11,953 SH   SOLE   11,953 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506 15,814 219,577 SH   SOLE   219,577 0 0
EXXON MOBIL CORP COM 30231g102 3,514 40,253 SH   SOLE   40,253 0 0
FISERV INC COM 337738108 477 5,096 SH   SOLE   5,096 0 0
GENUINE PARTS CO COM 372460105 428 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 254 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102 7,846 28,433 SH   SOLE   28,433 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 10,956 65,615 SH   SOLE   65,615 0 0
ILLINOIS TOOL WKS INC COM 452308109 352 1,950 SH   SOLE   1,950 0 0
INTEL CORP COM 458140100 739 28,686 SH   SOLE   28,686 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 8,356 92,485 SH   SOLE   92,485 0 0
INTL BUSINESS MACHINES CORP COM 459200101 9,640 81,141 SH   SOLE   81,141 0 0
INTUIT INC COM 461202103 760 1,963 SH   SOLE   1,963 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 308 3,206 SH   SOLE   3,206 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556 6,891 58,914 SH   SOLE   58,914 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507 12,681 57,837 SH   SOLE   57,837 0 0
ISHARES CORE S&P TOTAL US COM 464287150 4,771 59,984 SH   SOLE   59,984 0 0
ISHARES GOLD TRUST COM 464285204 45,214 1,433,994 SH   SOLE   1,433,994 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 823 12,295 SH   SOLE   12,295 0 0
JOHNSON & JOHNSON COM 478160104 18,565 113,645 SH   SOLE   113,645 0 0
JP MORGAN CHASE & CO COM 46625h100 13,279 127,076 SH   SOLE   127,076 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654 243 4,833 SH   SOLE   4,833 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837 244 4,873 SH   SOLE   4,873 0 0
LILLY ELI & CO COM 532457108 521 1,612 SH   SOLE   1,612 0 0
LINDE PLC COM g5494j103 13,831 51,304 SH   SOLE   51,304 0 0
LOWES COS INC COM 548661107 38 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 804 2,826 SH   SOLE   2,826 0 0
MCDONALDS CORP COM 580135101 890 3,857 SH   SOLE   3,857 0 0
MERCK & CO INC COM 58933y105 17,986 208,844 SH   SOLE   208,844 0 0
MICROSOFT CORP COM 594918104 35,962 154,411 SH   SOLE   154,411 0 0
NESTLE SA SPONS ADR COM 641069406 9,783 90,907 SH   SOLE   90,907 0 0
NEXTERA ENERGY INC COM 65339f101 18,709 238,602 SH   SOLE   238,602 0 0
NVIDIA CORP COM 67066g104 8,545 70,391 SH   SOLE   70,391 0 0
PAYPAL HOLDINGS INC COM 70450y103 6,487 75,367 SH   SOLE   75,367 0 0
PEPSICO INC COM 713448108 15,136 92,713 SH   SOLE   92,713 0 0
PEPSICO INC COM 713448108 23 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 892 20,378 SH   SOLE   20,378 0 0
PFIZER INC COM 717081103 66 1,511 SH   DFND   1,511 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 542 3,628 SH   SOLE   3,628 0 0
PROCTER & GAMBLE CO COM 742718109 14,791 117,155 SH   SOLE   117,155 0 0
PROGRESS SOFTWARE CORP COM 743312100 2,174 51,095 SH   SOLE   51,095 0 0
PROGRESSIVE CORP COM 743315103 5,333 45,888 SH   SOLE   45,888 0 0
PROLOGIS INC REIT COM 74340w103 5,845 57,529 SH   SOLE   57,529 0 0
RAYTHEON TECHNOLOGIES CORP COM 755111507 644 7,866 SH   SOLE   7,866 0 0
RIO TINTO PLC SPONS ADR COM 767204100 3,707 67,329 SH   SOLE   67,329 0 0
ROYAL BANK OF CANADA COM 780087102 504 5,600 SH   SOLE   5,600 0 0
SALESFORCE INC COM 79466l302 6,389 44,416 SH   SOLE   44,416 0 0
SPDR GOLD TRUST COM 78463v107 823 5,318 SH   SOLE   5,318 0 0
STARBUCKS CORP COM 855244109 302 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 323 5,305 SH   SOLE   5,305 0 0
STRYKER CORPORATION COM 863667101 734 3,626 SH   SOLE   3,626 0 0
TARGET CORP COM 87612e106 377 2,540 SH   SOLE   2,540 0 0
TESLA INC COM 88160r101 235 887 SH   SOLE   887 0 0
TJX COS INC COM 872540109 8,855 142,541 SH   SOLE   142,541 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 15,892 81,572 SH   SOLE   81,572 0 0
UNITEDHEALTH GROUP INC COM 91324p102 14,478 28,668 SH   SOLE   28,668 0 0
US BANCORP NEW COM 902973304 560 13,877 SH   SOLE   13,877 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 3,872 28,650 SH   SOLE   28,650 0 0
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 12,039 329,931 SH   SOLE   329,931 0 0
VANGUARD SHORT TERM CORP BOND ETF COM 92206c409 367 4,944 SH   SOLE   4,944 0 0
VERIZON COMMUNICATIONS COM 92343v104 8,578 225,909 SH   SOLE   225,909 0 0
VISA INC CL A COM 92826c839 11,294 63,572 SH   SOLE   63,572 0 0
WALMART INC COM 931142103 10,805 83,307 SH   SOLE   83,307 0 0
WEYERHAEUSER CO REIT COM 962166104 460 16,101 SH   SOLE   16,101 0 0
WI2WI CORP COM 00b973xc7 9 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 8,526 97,594 SH   SOLE   97,594 0 0
YUM BRANDS INC COM 988498101 344 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 12,725 85,813 SH   SOLE   85,813 0 0
ZOETIS INC COM 98978v103 71 476 SH   DFND   476 0 0