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
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 7,737 280,715 SH   SOLE   280,715 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 6,612 215,580 SH   SOLE   215,580 0 0
CGM FOCUS FUND EF 125325506 289 5,415 SH   SOLE   5,415 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 566 4,200 SH   SOLE   4,200 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 2,780 11,332 SH   SOLE   11,332 0 0
VANGUARD MID-CAP ETF EF 922908629 2,690 17,377 SH   SOLE   17,377 0 0
VANGUARD SMALL-CAP ETF EF 922908751 2,634 17,822 SH   SOLE   17,822 0 0
VANGUARD TOTAL STK MKT EF 922908769 690 5,025 SH   SOLE   5,025 0 0
3M COMPANY COM 88579y101 1,638 6,960 SH   SOLE   6,960 0 0
ABBOTT LABORATORIES COM 002824100 1,986 34,808 SH   SOLE   34,808 0 0
ALPHABET, INC. CL A COM 02079K305 3,354 3,184 SH   SOLE   3,184 0 0
ALPHABET, INC. CL C COM 02079K107 1,031 985 SH   SOLE   985 0 0
ANALOG DEVICES, INC. COM 032654105 592 6,650 SH   SOLE   6,650 0 0
APPLE INC COM 037833100 3,465 20,476 SH   SOLE   20,476 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,124 25,851 SH   SOLE   25,851 0 0
BOEING CO. COM 097023105 526 1,785 SH   SOLE   1,785 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 6,423 143,342 SH   SOLE   143,342 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,261 59,036 SH   SOLE   59,036 0 0
COCA COLA CO. COM 191216100 259 5,656 SH   SOLE   5,656 0 0
EMERSON ELECTRIC CO. COM 291011104 630 9,034 SH   SOLE   9,034 0 0
ENBRIDGE INC. COM 29250n105 4,233 108,243 SH   SOLE   108,243 0 0
EXXON MOBIL CORP COM 30231G102 866 10,348 SH   SOLE   10,348 0 0
FACEBOOK, INC. COM 30303M102 4,181 23,695 SH   SOLE   23,695 0 0
FORD MOTOR CO. DEL PAR $0.01 COM 345370860 1,693 135,550 SH   SOLE   135,550 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 618 4,029 SH   SOLE   4,029 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 499 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 539 5,046 SH   SOLE   5,046 0 0
JOHNSON & JOHNSON COM 478160104 3,434 24,579 SH   SOLE   24,579 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,346 12,583 SH   SOLE   12,583 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,507 31,990 SH   SOLE   31,990 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 365 4,242 SH   SOLE   4,242 0 0
PENTAIR PLC COM g7s00t104 1,109 15,700 SH   SOLE   15,700 0 0
PEPSICO INC. COM 713448108 2,744 22,880 SH   SOLE   22,880 0 0
PROCTER & GAMBLE CO COM 742718109 1,955 21,277 SH   SOLE   21,277 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 268 15,167 SH   SOLE   15,167 0 0
VANGUARD EMERGING MARKETS COM 922042858 7,167 156,100 SH   SOLE   156,100 0 0
VANGUARD EUROPEAN COM 922042874 8,020 135,595 SH   SOLE   135,595 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 4,420 73,055 SH   SOLE   73,055 0 0
VANGUARD REIT INDEX ETF COM 922908553 2,958 35,647 SH   SOLE   35,647 0 0
WEYERHAEUSER CO. COM 962166104 5,225 148,173 SH   SOLE   148,173 0 0
ZIMMER BIOMET HOLDINGS, INC. COM 98956p102 204 1,694 SH   SOLE   1,694 0 0