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 1,990 43,055 SH   SOLE   43,055 0 0
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 5,282 193,975 SH   SOLE   193,975 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 16,578 539,475 SH   SOLE   539,475 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 527 3,350 SH   SOLE   3,350 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 3,978 14,779 SH   SOLE   14,779 0 0
VANGUARD MID-CAP ETF EF 922908629 3,952 23,642 SH   SOLE   23,642 0 0
VANGUARD SMALL-CAP ETF EF 922908751 3,780 24,127 SH   SOLE   24,127 0 0
VANGUARD TOTAL STK MKT EF 922908769 704 4,689 SH   SOLE   4,689 0 0
3M COMPANY COM 88579y101 1,117 6,445 SH   SOLE   6,445 0 0
ABBOTT LABORATORIES COM 002824100 2,721 32,357 SH   SOLE   32,357 0 0
ALPHABET, INC. CL A COM 02079K305 3,650 3,371 SH   SOLE   3,371 0 0
ALPHABET, INC. CL C COM 02079K107 913 845 SH   SOLE   845 0 0
ANALOG DEVICES, INC. COM 032654105 728 6,450 SH   SOLE   6,450 0 0
APPLE INC COM 037833100 3,542 17,894 SH   SOLE   17,894 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,430 25,471 SH   SOLE   25,471 0 0
BOEING CO. COM 097023105 584 1,605 SH   SOLE   1,605 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 5,722 133,246 SH   SOLE   133,246 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,972 54,301 SH   SOLE   54,301 0 0
COCA COLA CO. COM 191216100 227 4,456 SH   SOLE   4,456 0 0
EMERSON ELECTRIC CO. COM 291011104 536 8,029 SH   SOLE   8,029 0 0
ENBRIDGE INC. COM 29250n105 4,261 118,099 SH   SOLE   118,099 0 0
EXXON MOBIL CORP COM 30231G102 693 9,048 SH   SOLE   9,048 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 385 2,790 SH   SOLE   2,790 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 455 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 3,816 34,976 SH   SOLE   34,976 0 0
JOHNSON & JOHNSON COM 478160104 3,244 23,289 SH   SOLE   23,289 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,326 11,856 SH   SOLE   11,856 0 0
MICROSOFT CORP. COM 594918104 206 1,539 SH   SOLE   1,539 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 426 4,117 SH   SOLE   4,117 0 0
PEPSICO INC. COM 713448108 2,866 21,855 SH   SOLE   21,855 0 0
PROCTER & GAMBLE CO COM 742718109 618 5,635 SH   SOLE   5,635 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 142 10,000 SH   SOLE   10,000 0 0
VANGUARD EMERGING MARKETS COM 922042858 7,501 176,365 SH   SOLE   176,365 0 0
VANGUARD EUROPEAN COM 922042874 8,361 152,300 SH   SOLE   152,300 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 4,364 73,973 SH   SOLE   73,973 0 0
VANGUARD REIT INDEX ETF COM 922908553 3,789 43,357 SH   SOLE   43,357 0 0
WEYERHAEUSER CO. COM 962166104 4,330 164,370 SH   SOLE   164,370 0 0
ZIMMER BIOMET HOLDINGS, INC. COM 98956p102 202 1,715 SH   SOLE   1,715 0 0