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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
AB MUNI INC NATL PORTMF0186428192,801262,982SH SOLE 262,98200
BAIN CAP SPECIALTY FIN INCMF05684B1072,990202,316SH SOLE 202,31600
BNY MELLON MA INTERM MUNI BDMF05569M67323517,900SH SOLE 17,90000
BNY MELLON NATL INTERM MUNI BDMF05569M75616811,948SH SOLE 11,94800
DWS S-T MUNI BD FD CL SMF25158T8061,317129,376SH SOLE 129,37600
EATON VANCE MUNI OPP CL AMF27826Y5713,695293,708SH SOLE 293,70800
FIDELITY U.S. BOND INDEXMF31614635638131,818SH SOLE 31,81800
ISHARES CORE U.S. AGGREGATE BDMF4642872261,21410,668SH SOLE 10,66800
ISHARES NATL MUNI BD ETFMF4642884141,26510,901SH SOLE 10,90100
NUVEEN PREFERRED SECS & INC CLMF67070010351129,024SH SOLE 29,02400
NUVEEN S-T MUNI BD FD CL AMF6706905933,020296,623SH SOLE 296,62300
PAYDEN CORE BOND FD ADVMF7043293331,691157,706SH SOLE 157,70600
SCHWAB U.S. AGG BD IDXMF8085177181,529147,259SH SOLE 147,25900
SPDR BBG BCLYS EMERG MKTS BDMF78464A39110,954420,983SH SOLE 420,98300
SPDR BLACKSTONE/GSO SENIOR LOAMF78467V6081,43131,279SH SOLE 31,27900
SPDR BLMBG BRCLY INV GR FLT RTMF78468r20013,544442,047SH SOLE 442,04700
AMERICAN CENTURY EQ INC IEF0250762094,393463,834SH SOLE 463,83400
BNY MELLON INSTL S&P 500 IDX IEF05589L86398013,677SH SOLE 13,67700
BNY MELLON INTERNATL STK FD IEF05587K74149520,555SH SOLE 20,55500
BNY MELLON MID-CAP MULTI-STRATEF05569M60826812,210SH SOLE 12,21000
DELAWARE SMID CAP GROWTH AEF2459061022395,549SH SOLE 5,54900
FIDELITY 500 INDEXEF3159117505,16937,400SH SOLE 37,40000
FIDELITY CONTRAFUNDEF31607110930518,181SH SOLE 18,18100
GOLDMAN SACHS GQG PTNR INT OPPEF38147N2931,62088,776SH SOLE 88,77600
ISHARES CORE DIVIDEND GROWTHEF46434V6214,843100,323SH SOLE 100,32300
ISHARES CORE S&P MID-CAPEF4642875074,13615,890SH SOLE 15,89000
ISHARES CORE S&P SMALL-CAPEF4642878041,26411,644SH SOLE 11,64400
ISHARES RUSSELL 1000 GRWTHEF4642876145412,226SH SOLE 2,22600
ISHARES S&P 500EF4642872006,04915,206SH SOLE 15,20600
ISHARES S&P SMLL CAP 600 GRTHEF4642878873,87130,188SH SOLE 30,18800
OAKMARK GLOBAL SEL FD INVEF4138388222,689115,598SH SOLE 115,59800
OAKMARK INTERNATL INVESTOREF41383820290731,890SH SOLE 31,89000
PRINCIPAL MID-CAP CL AEF74254T4431,55742,918SH SOLE 42,91800
SCHWAB S&P 500 IDXEF8085098553,95664,893SH SOLE 64,89300
SCHWAB U.S. DIVIDENDEF8085247972613,579SH SOLE 3,57900
SPDR S&P 600 SM CAPEF78464A8136006,382SH SOLE 6,38200
SPDR S&P MIDCAP 400 ETF TREF78467y1072,0364,277SH SOLE 4,27700
TOUCHSTONE SDS CAP EMG MKTSEF89154Q5703,017141,307SH SOLE 141,30700
VANGUARD 500 INDEX FDEF9229087106451,758SH SOLE 1,75800
VANGUARD ADM S&P MID-CAP 400 IEF9219328853,38219,169SH SOLE 19,16900
VANGUARD ADM S&P SM CAP 600 IDEF9219328282,52612,701SH SOLE 12,70100
VANGUARD GROWTH IDS ADMEF9229086601,89114,303SH SOLE 14,30300
VANGUARD GROWTH IDXEF9229087365372,091SH SOLE 2,09100
VANGUARD MID CAPEF9229086292,93813,275SH SOLE 13,27500
VANGUARD S&P 500EF9229083635,68815,614SH SOLE 15,61400
VANGUARD SMALL CAPEF9229087512,74512,822SH SOLE 12,82200
VANGUARD TAX-MGD CAP APP ADMEF9219438666593,156SH SOLE 3,15600
VANGUARD TOTAL STOCK MARKETEF9229087698634,174SH SOLE 4,17400
WISDOMTREE EMERG MKT.EF97717X5781,04825,756SH SOLE 25,75600
3M COMPANYCOM88579y1011,3587,049SH SOLE 7,04900
ABBOTT LABORATORIESCOM0028241004,83140,313SH SOLE 40,31300
ABBVIE INC.COM00287y1094854,483SH SOLE 4,48300
ALPHABET INC. CLASS ACOM02079k3058,9994,363SH SOLE 4,36300
ALPHABET INC. CLASS CCOM02079k1071,396675SH SOLE 67500
AMAZON.COM INC.COM0231351063,7591,215SH SOLE 1,21500
AMERICAN TOWER CORP.COM03027X1004161,740SH SOLE 1,74000
APPLE INCCOM0378331008,83972,364SH SOLE 72,36400
BERKSHIRE HATHAWAY CLASS BCOM0846707027,85730,756SH SOLE 30,75600
BOEING COCOM0970231054091,605SH SOLE 1,60500
BROOKFIELD INFRASTRUC LPCOMg162521018,183153,674SH SOLE 153,67400
CISCO SYSTEMS INCCOM17275r1022,77653,677SH SOLE 53,67700
COCA COLA CO.COM1912161003556,744SH SOLE 6,74400
DANAHER CORPORATIONCOM2358511026162,736SH SOLE 2,73600
EMERSON ELECTRIC CO.COM2910111042753,050SH SOLE 3,05000
ENBRIDGE INC.COM29250n1054,090112,354SH SOLE 112,35400
ENTERPRISE PRODS PARTNERS L.P.COM29379210778435,616SH SOLE 35,61600
EXXON MOBIL CORPCOM30231G1023416,116SH SOLE 6,11600
FACEBOOK, INC.COM30303M1021,2744,324SH SOLE 4,32400
FIRST TR ETF IV NO AMER ENERGYCOM33738D10127311,948SH SOLE 11,94800
HONEYWELL INTERNATIONAL INC.COM4385161062701,245SH SOLE 1,24500
INTEL CORP.COM4581401002954,611SH SOLE 4,61100
INTERNATIONAL BUSINESS MACHINECOM4592001013392,544SH SOLE 2,54400
ISHARES MSCI EAFE FDCOM4642874651,99126,238SH SOLE 26,23800
ISHARES MSCI EMERGING MKTSCOM46434g1032293,552SH SOLE 3,55200
ISHARES NASDAQ BIOTECHNOLOGYCOM4642875564,90332,566SH SOLE 32,56600
JOHNSON & JOHNSONCOM4781601046,03036,691SH SOLE 36,69100
JPMORGAN CHASE & CO.COM46625h1003,22121,162SH SOLE 21,16200
LOWE'S COMPANIES INC.COM5486611072,55513,435SH SOLE 13,43500
MCDONALDS CORP.COM5801351012,0959,345SH SOLE 9,34500
MERCK & CO. INC. NEWCOM58933y10582510,698SH SOLE 10,69800
MICROSOFT CORP.COM5949181042,2589,579SH SOLE 9,57900
MONDELEZ INT. INC. CL ACOM60920710561110,435SH SOLE 10,43500
MSCI EMERGING MKTS INDEXCOM4642872341,30324,419SH SOLE 24,41900
NESTLE SPON ADR REPSTG REG SHCOM6410694064524,052SH SOLE 4,05200
PEPSICO INCCOM7134481084,64232,816SH SOLE 32,81600
PROCTER & GAMBLE COCOM7427181091,1088,184SH SOLE 8,18400
SCHWAB FUNDAMENTAL EM L/CCOM8085247301,49048,443SH SOLE 48,44300
SOMERSET TR HOLDING CO.COM8351261032606,267SH SOLE 6,26700
SPROTT PHYSICAL GOLD TRCOM85207H10477557,772SH SOLE 57,77200
THERMO FISHER SCIENTIFIC INC.COM8835561024,80110,520SH SOLE 10,52000
VANGUARD EMERGING MARKETSCOM92204285810,323198,328SH SOLE 198,32800
VANGUARD EUROPEANCOM9220428749,306147,708SH SOLE 147,70800
VANGUARD GLB EX-US R.E. IDXCOM9220426763,44161,718SH SOLE 61,71800
VANGUARD REIT IDX ETFCOM9229085533,69740,242SH SOLE 40,24200
VISA INC CLASS ACOM92826c8392,17510,273SH SOLE 10,27300
WALT DISNEY CO.COM2546871066973,776SH SOLE 3,77600
WEYERHAEUSER CO.COM9621661045,013140,818SH SOLE 140,81800
ZIMMER BIOMET HLDGSCOM98956p1022771,729SH SOLE 1,72900