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 2,066 44,855 SH   SOLE   44,855 0 0
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 5,789 212,425 SH   SOLE   212,425 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 15,438 502,865 SH   SOLE   502,865 0 0
CGM FOCUS FUND EF 125325506 202 5,415 SH   SOLE   5,415 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 507 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 3,725 14,354 SH   SOLE   14,354 0 0
VANGUARD MID-CAP ETF EF 922908629 3,774 23,477 SH   SOLE   23,477 0 0
VANGUARD SMALL-CAP ETF EF 922908751 3,660 23,952 SH   SOLE   23,952 0 0
VANGUARD TOTAL STK MKT EF 922908769 680 4,699 SH   SOLE   4,699 0 0
3M COMPANY COM 88579y101 1,344 6,470 SH   SOLE   6,470 0 0
ABBOTT LABORATORIES COM 002824100 2,599 32,507 SH   SOLE   32,507 0 0
ALPHABET, INC. CL A COM 02079K305 4,000 3,399 SH   SOLE   3,399 0 0
ALPHABET, INC. CL C COM 02079K107 973 829 SH   SOLE   829 0 0
ANALOG DEVICES, INC. COM 032654105 679 6,450 SH   SOLE   6,450 0 0
APPLE INC COM 037833100 3,406 17,929 SH   SOLE   17,929 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,088 25,326 SH   SOLE   25,326 0 0
BOEING CO. COM 097023105 612 1,605 SH   SOLE   1,605 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 5,533 132,153 SH   SOLE   132,153 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,967 54,951 SH   SOLE   54,951 0 0
COCA COLA CO. COM 191216100 209 4,456 SH   SOLE   4,456 0 0
EMERSON ELECTRIC CO. COM 291011104 581 8,489 SH   SOLE   8,489 0 0
ENBRIDGE INC. COM 29250n105 4,261 117,509 SH   SOLE   117,509 0 0
EXXON MOBIL CORP COM 30231G102 731 9,048 SH   SOLE   9,048 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 394 2,790 SH   SOLE   2,790 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 444 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 3,946 35,296 SH   SOLE   35,296 0 0
JOHNSON & JOHNSON COM 478160104 3,265 23,354 SH   SOLE   23,354 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,217 12,026 SH   SOLE   12,026 0 0
MICROSOFT CORP. COM 594918104 210 1,779 SH   SOLE   1,779 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,360 31,686 SH   SOLE   31,686 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 404 4,242 SH   SOLE   4,242 0 0
PEPSICO INC. COM 713448108 2,702 22,045 SH   SOLE   22,045 0 0
PROCTER & GAMBLE CO COM 742718109 607 5,835 SH   SOLE   5,835 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 143 10,000 SH   SOLE   10,000 0 0
VANGUARD EMERGING MARKETS COM 922042858 7,477 175,930 SH   SOLE   175,930 0 0
VANGUARD EUROPEAN COM 922042874 8,156 152,140 SH   SOLE   152,140 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 4,441 74,548 SH   SOLE   74,548 0 0
VANGUARD REIT INDEX ETF COM 922908553 3,790 43,612 SH   SOLE   43,612 0 0
WEYERHAEUSER CO. COM 962166104 4,271 162,160 SH   SOLE   162,160 0 0
ZIMMER BIOMET HOLDINGS, INC. COM 98956p102 219 1,715 SH   SOLE   1,715 0 0