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
AB MUNI INC NATL PORT MF 018642819 2,801 262,982 SH   SOLE   262,982 0 0
BAIN CAP SPECIALTY FIN INC MF 05684B107 2,990 202,316 SH   SOLE   202,316 0 0
BNY MELLON MA INTERM MUNI BD MF 05569M673 235 17,900 SH   SOLE   17,900 0 0
BNY MELLON NATL INTERM MUNI BD MF 05569M756 168 11,948 SH   SOLE   11,948 0 0
DWS S-T MUNI BD FD CL S MF 25158T806 1,317 129,376 SH   SOLE   129,376 0 0
EATON VANCE MUNI OPP CL A MF 27826Y571 3,695 293,708 SH   SOLE   293,708 0 0
FIDELITY U.S. BOND INDEX MF 316146356 381 31,818 SH   SOLE   31,818 0 0
ISHARES CORE U.S. AGGREGATE BD MF 464287226 1,214 10,668 SH   SOLE   10,668 0 0
ISHARES NATL MUNI BD ETF MF 464288414 1,265 10,901 SH   SOLE   10,901 0 0
NUVEEN PREFERRED SECS & INC CL MF 670700103 511 29,024 SH   SOLE   29,024 0 0
NUVEEN S-T MUNI BD FD CL A MF 670690593 3,020 296,623 SH   SOLE   296,623 0 0
PAYDEN CORE BOND FD ADV MF 704329333 1,691 157,706 SH   SOLE   157,706 0 0
SCHWAB U.S. AGG BD IDX MF 808517718 1,529 147,259 SH   SOLE   147,259 0 0
SPDR BBG BCLYS EMERG MKTS BD MF 78464A391 10,954 420,983 SH   SOLE   420,983 0 0
SPDR BLACKSTONE/GSO SENIOR LOA MF 78467V608 1,431 31,279 SH   SOLE   31,279 0 0
SPDR BLMBG BRCLY INV GR FLT RT MF 78468r200 13,544 442,047 SH   SOLE   442,047 0 0
AMERICAN CENTURY EQ INC I EF 025076209 4,393 463,834 SH   SOLE   463,834 0 0
BNY MELLON INSTL S&P 500 IDX I EF 05589L863 980 13,677 SH   SOLE   13,677 0 0
BNY MELLON INTERNATL STK FD I EF 05587K741 495 20,555 SH   SOLE   20,555 0 0
BNY MELLON MID-CAP MULTI-STRAT EF 05569M608 268 12,210 SH   SOLE   12,210 0 0
DELAWARE SMID CAP GROWTH A EF 245906102 239 5,549 SH   SOLE   5,549 0 0
FIDELITY 500 INDEX EF 315911750 5,169 37,400 SH   SOLE   37,400 0 0
FIDELITY CONTRAFUND EF 316071109 305 18,181 SH   SOLE   18,181 0 0
GOLDMAN SACHS GQG PTNR INT OPP EF 38147N293 1,620 88,776 SH   SOLE   88,776 0 0
ISHARES CORE DIVIDEND GROWTH EF 46434V621 4,843 100,323 SH   SOLE   100,323 0 0
ISHARES CORE S&P MID-CAP EF 464287507 4,136 15,890 SH   SOLE   15,890 0 0
ISHARES CORE S&P SMALL-CAP EF 464287804 1,264 11,644 SH   SOLE   11,644 0 0
ISHARES RUSSELL 1000 GRWTH EF 464287614 541 2,226 SH   SOLE   2,226 0 0
ISHARES S&P 500 EF 464287200 6,049 15,206 SH   SOLE   15,206 0 0
ISHARES S&P SMLL CAP 600 GRTH EF 464287887 3,871 30,188 SH   SOLE   30,188 0 0
OAKMARK GLOBAL SEL FD INV EF 413838822 2,689 115,598 SH   SOLE   115,598 0 0
OAKMARK INTERNATL INVESTOR EF 413838202 907 31,890 SH   SOLE   31,890 0 0
PRINCIPAL MID-CAP CL A EF 74254T443 1,557 42,918 SH   SOLE   42,918 0 0
SCHWAB S&P 500 IDX EF 808509855 3,956 64,893 SH   SOLE   64,893 0 0
SCHWAB U.S. DIVIDEND EF 808524797 261 3,579 SH   SOLE   3,579 0 0
SPDR S&P 600 SM CAP EF 78464A813 600 6,382 SH   SOLE   6,382 0 0
SPDR S&P MIDCAP 400 ETF TR EF 78467y107 2,036 4,277 SH   SOLE   4,277 0 0
TOUCHSTONE SDS CAP EMG MKTS EF 89154Q570 3,017 141,307 SH   SOLE   141,307 0 0
VANGUARD 500 INDEX FD EF 922908710 645 1,758 SH   SOLE   1,758 0 0
VANGUARD ADM S&P MID-CAP 400 I EF 921932885 3,382 19,169 SH   SOLE   19,169 0 0
VANGUARD ADM S&P SM CAP 600 ID EF 921932828 2,526 12,701 SH   SOLE   12,701 0 0
VANGUARD GROWTH IDS ADM EF 922908660 1,891 14,303 SH   SOLE   14,303 0 0
VANGUARD GROWTH IDX EF 922908736 537 2,091 SH   SOLE   2,091 0 0
VANGUARD MID CAP EF 922908629 2,938 13,275 SH   SOLE   13,275 0 0
VANGUARD S&P 500 EF 922908363 5,688 15,614 SH   SOLE   15,614 0 0
VANGUARD SMALL CAP EF 922908751 2,745 12,822 SH   SOLE   12,822 0 0
VANGUARD TAX-MGD CAP APP ADM EF 921943866 659 3,156 SH   SOLE   3,156 0 0
VANGUARD TOTAL STOCK MARKET EF 922908769 863 4,174 SH   SOLE   4,174 0 0
WISDOMTREE EMERG MKT. EF 97717X578 1,048 25,756 SH   SOLE   25,756 0 0
3M COMPANY COM 88579y101 1,358 7,049 SH   SOLE   7,049 0 0
ABBOTT LABORATORIES COM 002824100 4,831 40,313 SH   SOLE   40,313 0 0
ABBVIE INC. COM 00287y109 485 4,483 SH   SOLE   4,483 0 0
ALPHABET INC. CLASS A COM 02079k305 8,999 4,363 SH   SOLE   4,363 0 0
ALPHABET INC. CLASS C COM 02079k107 1,396 675 SH   SOLE   675 0 0
AMAZON.COM INC. COM 023135106 3,759 1,215 SH   SOLE   1,215 0 0
AMERICAN TOWER CORP. COM 03027X100 416 1,740 SH   SOLE   1,740 0 0
APPLE INC COM 037833100 8,839 72,364 SH   SOLE   72,364 0 0
BERKSHIRE HATHAWAY CLASS B COM 084670702 7,857 30,756 SH   SOLE   30,756 0 0
BOEING CO COM 097023105 409 1,605 SH   SOLE   1,605 0 0
BROOKFIELD INFRASTRUC LP COM g16252101 8,183 153,674 SH   SOLE   153,674 0 0
CISCO SYSTEMS INC COM 17275r102 2,776 53,677 SH   SOLE   53,677 0 0
COCA COLA CO. COM 191216100 355 6,744 SH   SOLE   6,744 0 0
DANAHER CORPORATION COM 235851102 616 2,736 SH   SOLE   2,736 0 0
EMERSON ELECTRIC CO. COM 291011104 275 3,050 SH   SOLE   3,050 0 0
ENBRIDGE INC. COM 29250n105 4,090 112,354 SH   SOLE   112,354 0 0
ENTERPRISE PRODS PARTNERS L.P. COM 293792107 784 35,616 SH   SOLE   35,616 0 0
EXXON MOBIL CORP COM 30231G102 341 6,116 SH   SOLE   6,116 0 0
FACEBOOK, INC. COM 30303M102 1,274 4,324 SH   SOLE   4,324 0 0
FIRST TR ETF IV NO AMER ENERGY COM 33738D101 273 11,948 SH   SOLE   11,948 0 0
HONEYWELL INTERNATIONAL INC. COM 438516106 270 1,245 SH   SOLE   1,245 0 0
INTEL CORP. COM 458140100 295 4,611 SH   SOLE   4,611 0 0
INTERNATIONAL BUSINESS MACHINE COM 459200101 339 2,544 SH   SOLE   2,544 0 0
ISHARES MSCI EAFE FD COM 464287465 1,991 26,238 SH   SOLE   26,238 0 0
ISHARES MSCI EMERGING MKTS COM 46434g103 229 3,552 SH   SOLE   3,552 0 0
ISHARES NASDAQ BIOTECHNOLOGY COM 464287556 4,903 32,566 SH   SOLE   32,566 0 0
JOHNSON & JOHNSON COM 478160104 6,030 36,691 SH   SOLE   36,691 0 0
JPMORGAN CHASE & CO. COM 46625h100 3,221 21,162 SH   SOLE   21,162 0 0
LOWE'S COMPANIES INC. COM 548661107 2,555 13,435 SH   SOLE   13,435 0 0
MCDONALDS CORP. COM 580135101 2,095 9,345 SH   SOLE   9,345 0 0
MERCK & CO. INC. NEW COM 58933y105 825 10,698 SH   SOLE   10,698 0 0
MICROSOFT CORP. COM 594918104 2,258 9,579 SH   SOLE   9,579 0 0
MONDELEZ INT. INC. CL A COM 609207105 611 10,435 SH   SOLE   10,435 0 0
MSCI EMERGING MKTS INDEX COM 464287234 1,303 24,419 SH   SOLE   24,419 0 0
NESTLE SPON ADR REPSTG REG SH COM 641069406 452 4,052 SH   SOLE   4,052 0 0
PEPSICO INC COM 713448108 4,642 32,816 SH   SOLE   32,816 0 0
PROCTER & GAMBLE CO COM 742718109 1,108 8,184 SH   SOLE   8,184 0 0
SCHWAB FUNDAMENTAL EM L/C COM 808524730 1,490 48,443 SH   SOLE   48,443 0 0
SOMERSET TR HOLDING CO. COM 835126103 260 6,267 SH   SOLE   6,267 0 0
SPROTT PHYSICAL GOLD TR COM 85207H104 775 57,772 SH   SOLE   57,772 0 0
THERMO FISHER SCIENTIFIC INC. COM 883556102 4,801 10,520 SH   SOLE   10,520 0 0
VANGUARD EMERGING MARKETS COM 922042858 10,323 198,328 SH   SOLE   198,328 0 0
VANGUARD EUROPEAN COM 922042874 9,306 147,708 SH   SOLE   147,708 0 0
VANGUARD GLB EX-US R.E. IDX COM 922042676 3,441 61,718 SH   SOLE   61,718 0 0
VANGUARD REIT IDX ETF COM 922908553 3,697 40,242 SH   SOLE   40,242 0 0
VISA INC CLASS A COM 92826c839 2,175 10,273 SH   SOLE   10,273 0 0
WALT DISNEY CO. COM 254687106 697 3,776 SH   SOLE   3,776 0 0
WEYERHAEUSER CO. COM 962166104 5,013 140,818 SH   SOLE   140,818 0 0
ZIMMER BIOMET HLDGS COM 98956p102 277 1,729 SH   SOLE   1,729 0 0