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 BLACKSTONE/GSO SENIOR LOA MF 78467V608 301 6,350 SH   SOLE   6,350 0 0
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 8,196 299,465 SH   SOLE   299,465 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 10,150 330,280 SH   SOLE   330,280 0 0
CGM FOCUS FUND EF 125325506 279 5,415 SH   SOLE   5,415 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 456 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 3,102 12,812 SH   SOLE   12,812 0 0
VANGUARD MID-CAP ETF EF 922908629 3,286 21,307 SH   SOLE   21,307 0 0
VANGUARD SMALL-CAP ETF EF 922908751 3,163 21,527 SH   SOLE   21,527 0 0
VANGUARD TOTAL STK MKT EF 922908769 643 4,740 SH   SOLE   4,740 0 0
3M COMPANY COM 88579y101 1,472 6,705 SH   SOLE   6,705 0 0
ABBOTT LABORATORIES COM 002824100 2,042 34,071 SH   SOLE   34,071 0 0
ALPHABET, INC. CL A COM 02079K305 3,334 3,215 SH   SOLE   3,215 0 0
ALPHABET, INC. CL C COM 02079K107 937 908 SH   SOLE   908 0 0
ANALOG DEVICES, INC. COM 032654105 588 6,450 SH   SOLE   6,450 0 0
APPLE INC COM 037833100 3,472 20,692 SH   SOLE   20,692 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,260 26,368 SH   SOLE   26,368 0 0
BOEING CO. COM 097023105 671 2,045 SH   SOLE   2,045 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 5,703 136,949 SH   SOLE   136,949 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,421 56,451 SH   SOLE   56,451 0 0
COCA COLA CO. COM 191216100 246 5,656 SH   SOLE   5,656 0 0
EMERSON ELECTRIC CO. COM 291011104 596 8,724 SH   SOLE   8,724 0 0
ENBRIDGE INC. COM 29250n105 3,532 112,233 SH   SOLE   112,233 0 0
EXXON MOBIL CORP COM 30231G102 700 9,387 SH   SOLE   9,387 0 0
FACEBOOK, INC. COM 30303M102 3,864 24,180 SH   SOLE   24,180 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 610 3,979 SH   SOLE   3,979 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 499 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 3,598 33,711 SH   SOLE   33,711 0 0
JOHNSON & JOHNSON COM 478160104 3,092 24,129 SH   SOLE   24,129 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,355 12,326 SH   SOLE   12,326 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,544 31,990 SH   SOLE   31,990 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 335 4,242 SH   SOLE   4,242 0 0
PEPSICO INC. COM 713448108 2,449 22,440 SH   SOLE   22,440 0 0
PROCTER & GAMBLE CO COM 742718109 1,668 21,037 SH   SOLE   21,037 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 246 15,167 SH   SOLE   15,167 0 0
VANGUARD EMERGING MARKETS COM 922042858 8,113 172,695 SH   SOLE   172,695 0 0
VANGUARD EUROPEAN COM 922042874 8,565 147,300 SH   SOLE   147,300 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 4,533 74,410 SH   SOLE   74,410 0 0
VANGUARD REIT INDEX ETF COM 922908553 2,885 38,227 SH   SOLE   38,227 0 0
WEYERHAEUSER CO. COM 962166104 5,237 149,620 SH   SOLE   149,620 0 0