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 2,041 44,055 SH   SOLE   44,055 0 0
SPDR BLMBG BARCLAYS ST HY BD MF 78468r408 4,639 171,750 SH   SOLE   171,750 0 0
SPDR BLMBG BRCLYS INVT GR FLTG MF 78468r200 17,134 557,020 SH   SOLE   557,020 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 471 2,950 SH   SOLE   2,950 0 0
VANGUARD INDEX FUNDS S&P 500 E EF 922908363 4,624 16,961 SH   SOLE   16,961 0 0
VANGUARD MID-CAP ETF EF 922908629 4,012 23,937 SH   SOLE   23,937 0 0
VANGUARD SMALL-CAP ETF EF 922908751 3,758 24,422 SH   SOLE   24,422 0 0
VANGUARD TOTAL STK MKT EF 922908769 705 4,669 SH   SOLE   4,669 0 0
3M COMPANY COM 88579y101 1,064 6,470 SH   SOLE   6,470 0 0
ABBOTT LABORATORIES COM 002824100 2,688 32,128 SH   SOLE   32,128 0 0
ALPHABET, INC. CL A COM 02079K305 4,115 3,370 SH   SOLE   3,370 0 0
ALPHABET, INC. CL C COM 02079K107 1,018 835 SH   SOLE   835 0 0
ANALOG DEVICES, INC. COM 032654105 721 6,450 SH   SOLE   6,450 0 0
APPLE INC COM 037833100 3,708 16,554 SH   SOLE   16,554 0 0
BERKSHIRE HATHWY CL B NEW COM 084670702 5,324 25,596 SH   SOLE   25,596 0 0
BOEING CO. COM 097023105 611 1,605 SH   SOLE   1,605 0 0
BROOKFIELD INFRSTRUC PRTNRS L. COM g16252101 6,574 132,508 SH   SOLE   132,508 0 0
CISCO SYSTEMS, INC. COM 17275R102 2,683 54,301 SH   SOLE   54,301 0 0
COCA COLA CO. COM 191216100 243 4,456 SH   SOLE   4,456 0 0
EMERSON ELECTRIC CO. COM 291011104 533 7,979 SH   SOLE   7,979 0 0
ENBRIDGE INC. COM 29250n105 4,148 118,237 SH   SOLE   118,237 0 0
EXXON MOBIL CORP COM 30231G102 639 9,048 SH   SOLE   9,048 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 406 2,790 SH   SOLE   2,790 0 0
ISHARES MSCI EUROZONE ETF COM 464286608 447 11,500 SH   SOLE   11,500 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 3,498 35,156 SH   SOLE   35,156 0 0
JOHNSON & JOHNSON COM 478160104 3,035 23,459 SH   SOLE   23,459 0 0
JPMORGAN CHASE & CO. COM 46625h100 1,407 11,956 SH   SOLE   11,956 0 0
MICROSOFT CORP. COM 594918104 214 1,539 SH   SOLE   1,539 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,213 29,686 SH   SOLE   29,686 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 460 4,242 SH   SOLE   4,242 0 0
PEPSICO INC. COM 713448108 2,952 21,530 SH   SOLE   21,530 0 0
PROCTER & GAMBLE CO COM 742718109 701 5,635 SH   SOLE   5,635 0 0
UNITED FINANCIAL BANCORP INC. COM 910304104 136 10,000 SH   SOLE   10,000 0 0
VANGUARD EMERGING MARKETS COM 922042858 7,189 178,560 SH   SOLE   178,560 0 0
VANGUARD EUROPEAN COM 922042874 8,173 152,452 SH   SOLE   152,452 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 4,406 75,206 SH   SOLE   75,206 0 0
VANGUARD REIT INDEX ETF COM 922908553 4,102 43,987 SH   SOLE   43,987 0 0
WEYERHAEUSER CO. COM 962166104 4,541 163,924 SH   SOLE   163,924 0 0
ZIMMER BIOMET HOLDINGS, INC. COM 98956p102 235 1,715 SH   SOLE   1,715 0 0