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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579y101   340 3,239 SH   SOLE   3,239 0 0
ABBOTT LABS COM 002824100   15,423 152,312 SH   SOLE   152,312 0 0
ABBVIE INC COM 00287y109   1,099 6,898 SH   SOLE   6,898 0 0
ACCENTURE PLC CL A COM g1151c101   251 877 SH   SOLE   877 0 0
ADOBE INC COM 00724f101   11,151 28,937 SH   SOLE   28,937 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106   896 3,120 SH   SOLE   3,120 0 0
ALPHABET INC CL A COM 02079k305   22,357 215,534 SH   SOLE   215,534 0 0
ALPHABET INC CL C COM 02079k107   1,100 10,577 SH   SOLE   10,577 0 0
AMAZON.COM INC COM 023135106   15,077 145,966 SH   SOLE   145,966 0 0
ANALOG DEVICES INC COM 032654105   922 4,674 SH   SOLE   4,674 0 0
ANGI INC CL A COM 00183l102   602 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100   36,397 220,720 SH   SOLE   220,720 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   2,248 10,096 SH   SOLE   10,096 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103   22 100 SH   DFND   100 0 0
AXSOME THERAPEUTICS INC COM 05464t104   237 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104   14,517 507,572 SH   SOLE   507,572 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107   302 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109   8,716 35,209 SH   SOLE   35,209 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108   466 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702   1,060 3,433 SH   SOLE   3,433 0 0
BEYOND AIR INC COM 08862l103   236 35,020 SH   SOLE   35,020 0 0
BIOGEN INC COM 09062x103   578 2,078 SH   SOLE   2,078 0 0
BOEING CO COM 097023105   560 2,636 SH   SOLE   2,636 0 0
BRISTOL MYERS SQUIBB CO COM 110122108   10,094 145,632 SH   SOLE   145,632 0 0
BROADCOM INC COM 11135f101   14,411 22,463 SH   SOLE   22,463 0 0
CAMBRIDGE BANCORP COM 132152109   351 5,416 SH   SOLE   5,416 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102   497 4,210 SH   SOLE   4,210 0 0
CARRIER GLOBAL CORP COM 14448c104   292 6,385 SH   SOLE   6,385 0 0
CHECK POINT SOFTWARE TECH LTD COM m22465104   236 1,815 SH   SOLE   1,815 0 0
CHEVRON CORPORATION COM 166764100   1,026 6,291 SH   SOLE   6,291 0 0
CHURCH & DWIGHT INC COM 171340102   753 8,520 SH   SOLE   8,520 0 0
CISCO SYSTEMS INC COM 17275r102   599 11,460 SH   SOLE   11,460 0 0
COCA COLA CO COM 191216100   15,964 257,353 SH   SOLE   257,353 0 0
CORTEVA INC COM 22052l104   308 5,100 SH   SOLE   5,100 0 0
COSTCO WHOLESALE CORP COM 22160k105   218 439 SH   SOLE   439 0 0
DANAHER CORP COM 235851102   602 2,390 SH   SOLE   2,390 0 0
DISNEY WALT CO NEW COM 254687106   311 3,107 SH   SOLE   3,107 0 0
DOW INC COM 260557103   293 5,348 SH   SOLE   5,348 0 0
DUPONT DE NEMOURS INC COM 26614n102   361 5,026 SH   SOLE   5,026 0 0
EATON CORP PLC COM g29183103   6,552 38,241 SH   SOLE   38,241 0 0
ECOLAB INC COM 278865100   5,899 35,636 SH   SOLE   35,636 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108   437 5,285 SH   SOLE   5,285 0 0
EMERSON ELEC CO COM 291011104   1,048 12,028 SH   SOLE   12,028 0 0
ENERGY SELECT SECTOR SPDR COM 81369y506   21,550 260,173 SH   SOLE   260,173 0 0
EXXON MOBIL CORP COM 30231g102   4,513 41,155 SH   SOLE   41,155 0 0
FISERV INC COM 337738108   576 5,096 SH   SOLE   5,096 0 0
GENUINE PARTS CO COM 372460105   479 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46   338 3,680 SH   SOLE   3,680 0 0
HOME DEPOT INC COM 437076102   8,326 28,211 SH   SOLE   28,211 0 0
HONEYWELL INTERNATIONAL INC COM 438516106   12,697 66,437 SH   SOLE   66,437 0 0
ILLINOIS TOOL WKS INC COM 452308109   487 2,000 SH   SOLE   2,000 0 0
INTEL CORP COM 458140100   927 28,379 SH   SOLE   28,379 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104   9,862 94,567 SH   SOLE   94,567 0 0
INTL. BUSINESS MACHINES CORP COM 459200101   10,825 82,575 SH   SOLE   82,575 0 0
INTUIT INC COM 461202103   875 1,963 SH   SOLE   1,963 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440   317 3,194 SH   SOLE   3,194 0 0
ISHARES BIOTECHNOLOGY ETF COM 464287556   7,699 59,612 SH   SOLE   59,612 0 0
ISHARES CORE S&P MID-CAP ETF COM 464287507   14,789 59,120 SH   SOLE   59,120 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150   5,347 59,054 SH   SOLE   59,054 0 0
ISHARES GOLD TRUST COM 464285204   51,013 1,365,091 SH   SOLE   1,365,091 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570   2,051 26,292 SH   SOLE   26,292 0 0
JOHNSON & JOHNSON COM 478160104   17,858 115,215 SH   SOLE   115,215 0 0
JP MORGAN CHASE & CO COM 46625h100   16,736 128,435 SH   SOLE   128,435 0 0
JPM ULTRA-SHORT MUNI INCOME COM 46641q654   244 4,801 SH   SOLE   4,801 0 0
JPMORGAN ULTRA-SHORT INCOME ETF COM 46641q837   244 4,843 SH   SOLE   4,843 0 0
LILLY ELI & CO COM 532457108   547 1,593 SH   SOLE   1,593 0 0
LINDE PLC COM g54950103   17,939 50,470 SH   SOLE   50,470 0 0
MASTERCARD INC CL A COM 57636q104   1,028 2,829 SH   SOLE   2,829 0 0
MCDONALDS CORP COM 580135101   1,155 4,131 SH   SOLE   4,131 0 0
MERCK & CO INC COM 58933y105   22,573 212,171 SH   SOLE   212,171 0 0
MICROSOFT CORP COM 594918104   44,776 155,310 SH   SOLE   155,310 0 0
NESTLE SA SPONS ADR COM 641069406   11,079 91,046 SH   SOLE   91,046 0 0
NEXTERA ENERGY INC COM 65339f101   18,428 239,073 SH   SOLE   239,073 0 0
NVIDIA CORP COM 67066g104   19,401 69,846 SH   SOLE   69,846 0 0
OTIS WORLDWIDE CORP COM 68902v107   252 2,983 SH   SOLE   2,983 0 0
PAYCHEX INC COM 704326107   350 3,057 SH   SOLE   3,057 0 0
PEPSICO INC COM 713448108   17,074 93,659 SH   SOLE   93,659 0 0
PEPSICO INC COM 713448108   18 100 SH   DFND   100 0 0
PFIZER INC COM 717081103   860 21,078 SH   SOLE   21,078 0 0
PFIZER INC COM 717081103   62 1,511 SH   DFND   1,511 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105   461 3,628 SH   SOLE   3,628 0 0
PROCTER & GAMBLE CO COM 742718109   17,590 118,302 SH   SOLE   118,302 0 0
PROGRESS SOFTWARE CORP COM 743312100   409 7,120 SH   SOLE   7,120 0 0
PROGRESSIVE CORP COM 743315103   6,676 46,665 SH   SOLE   46,665 0 0
PROLOGIS INC REIT COM 74340w103   7,205 57,745 SH   SOLE   57,745 0 0
QUALCOMM INC COM 747525103   214 1,680 SH   SOLE   1,680 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101   780 7,969 SH   SOLE   7,969 0 0
RIO TINTO PLC SPONS ADR COM 767204100   9,325 135,938 SH   SOLE   135,938 0 0
ROPER TECHNOLOGIES INC COM 776696106   245 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102   535 5,600 SH   SOLE   5,600 0 0
SALESFORCE INC COM 79466l302   6,881 34,441 SH   SOLE   34,441 0 0
SPDR GOLD TRUST COM 78463v107   974 5,318 SH   SOLE   5,318 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF COM 78463x509   13,422 393,257 SH   SOLE   393,257 0 0
STARBUCKS CORP COM 855244109   373 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103   401 5,300 SH   SOLE   5,300 0 0
STRYKER CORPORATION COM 863667101   1,022 3,581 SH   SOLE   3,581 0 0
TARGET CORP COM 87612e106   434 2,622 SH   SOLE   2,622 0 0
TJX COS INC COM 872540109   11,376 145,170 SH   SOLE   145,170 0 0
TYHEE GOLD CORP COM 00b3bk3m2   42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108   10,805 53,686 SH   SOLE   53,686 0 0
UNITEDHEALTH GROUP INC COM 91324p102   8,575 18,144 SH   SOLE   18,144 0 0
US BANCORP NEW COM 902973304   501 13,909 SH   SOLE   13,909 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844   34,161 221,809 SH   SOLE   221,809 0 0
VERIZON COMMUNICATIONS COM 92343v104   8,864 227,925 SH   SOLE   227,925 0 0
VISA INC CL A COM 92826c839   14,140 62,717 SH   SOLE   62,717 0 0
WALMART INC COM 931142103   12,549 85,106 SH   SOLE   85,106 0 0
WEYERHAEUSER CO REIT COM 962166104   485 16,101 SH   SOLE   16,101 0 0
WI2WI CORP COM 00b973xc7   8 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100   10,349 98,844 SH   SOLE   98,844 0 0
YUM BRANDS INC COM 988498101   427 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103   13,822 83,043 SH   SOLE   83,043 0 0
ZOETIS INC COM 98978v103   79 476 SH   DFND   476 0 0