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
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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
Alibaba Group Holding Ltd COM 01609W102 129 568 SH   OTR 1 0 0 568
Alibaba Group Holding Ltd COM 01609W102 214 943 SH   OTR   0 0 943
Alphabet Inc - A Shares COM 02079K305 63 26 SH   OTR   0 0 26
Alphabet Inc - A Shares COM 02079K305 159 65 SH   SOLE   0 0 65
Alphabet Inc - C Shares COM 02079K107 386 154 SH   OTR 1 0 0 154
Alphabet Inc - C Shares COM 02079K107 7 3 SH   SOLE   0 0 3
Amazon.com Inc COM 023135106 399 116 SH   OTR   0 0 116
Apple Computer, Inc. COM 037833100 2,528 18,462 SH   OTR   0 0 18,462
Bank of America COM 060505104 337 8,188 SH   OTR   0 0 8,188
Berkshire Hathaway Inc. C COM 084670702 593 2,133 SH   OTR 1 0 0 2,133
Berkshire Hathaway Inc. C COM 084670702 8,297 29,856 SH   SOLE   0 0 29,856
Berkshire Hills Bancorp I COM 084680107 884 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09253U108 345 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100 2,953 15,432 SH   OTR   0 0 15,432
Chevron Texaco Corporatio COM 166764100 600 5,731 SH   OTR   0 0 5,731
CIE Financiere Richemon COM H25662943 286 2,360 SH   OTR 1 0 0 2,360
Citigroup COM 172967424 386 5,453 SH   SOLE   0 0 5,453
Collier Creek Holdings COM G22707106 327 15,000 SH   OTR   0 0 15,000
Dow Diamonds - SPDR Dow J ETF 78467X109 4,296 12,453 SH   SOLE   0 0 12,453
Emcor Group Inc COM 29084Q100 2,085 16,924 SH   OTR   0 0 16,924
Exxon Mobil Corp. COM 30231G102 1,187 18,812 SH   SOLE   0 0 18,812
Facebook, Inc COM 30303M102 487 1,400 SH   OTR   0 0 1,400
Financial Select Sector ETF 81369Y605 507 13,822 SH   SOLE   0 0 13,822
Ford Motor Company COM 345370860 262 17,601 SH   SOLE   0 0 17,601
General Electric Co. COM 369604103 437 32,431 SH   OTR   0 0 32,431
Goldman, Sachs & Co. COM 38141G104 590 1,555 SH   OTR   0 0 1,555
Health Care Select Sector ETF 81369Y209 252 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1 COM 423991959 257 2,552 SH   OTR 1 0 0 2,552
Hershey Foods Corp COM 427866108 218 1,250 SH   OTR   0 0 1,250
Intuit Inc COM 461202103 294 600 SH   OTR   0 0 600
iShares MSCI ACWI Ex US ETF 464288240 682 11,865 SH   SOLE   0 0 11,865
iShares MSCI Emerging Mar ETF 464287234 552 10,000 SH   SOLE   0 0 10,000
iShares Russell 2000 ETF 464287655 1,376 6,000 SH   SOLE   0 0 6,000
iShares S&P 100 Index ETF 464287101 10,723 54,657 SH   SOLE   0 0 54,657
iShares S&P GSCI Commodit ETF 46428R107 5,105 317,281 SH   SOLE   0 0 317,281
iShares SC S&P 600 ETF 464287804 5,439 48,144 SH   SOLE   0 0 48,144
iShares US Preferred Stoc ETF 464288687 3,316 84,294 SH   SOLE   0 0 84,294
J.P. Morgan Chase COM 46625H100 185 1,190 SH   OTR 1 0 0 1,190
J.P. Morgan Chase COM 46625H100 3,486 22,415 SH   OTR   0 0 22,415
Lockheed Martin COM 539830109 343 907 SH   OTR   0 0 907
Market Vectors Gold Miner ETF 57060U100 680 20,000 SH   SOLE   0 0 20,000
Mastercard COM 57636Q104 428 1,172 SH   OTR 1 0 0 1,172
Microsoft Corp COM 594918104 1,540 5,685 SH   OTR   0 0 5,685
MSCI EAFE Index ETF 464287465 1,005 12,740 SH   SOLE   0 0 12,740
Nestle SA ADR COM 641069406 425 3,413 SH   OTR 1 0 0 3,413
Newmont Mining Corp COM 651639106 203 3,200 SH   SOLE   0 0 3,200
Paycom Software Inc COM 70432V102 909 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919 282 1,272 SH   OTR 1 0 0 1,272
Pfizer Inc COM 717081103 5,526 141,112 SH   SOLE   0 0 141,112
Phillip Morris Internatio COM 718172109 294 2,969 SH   OTR 1 0 0 2,969
Royal Dutch Shell PLC ADR COM 780259206 461 11,414 SH   OTR   0 0 11,414
S&P 500 Spiders ETF 78462F103 11,386 26,599 SH   SOLE   0 0 26,599
Shopify Inc COM 82509L107 292 200 SH   OTR   0 0 200
Short S&P 500 ProShares ETF SHORT 74347R503 277 18,000 SH   SOLE   0 0 18,000
Streettracks Gold Shares ETF 78463V107 5,979 36,097 SH   SOLE   0 0 36,097
Tesla Motors, Inc COM 88160R101 1,359 2,000 SH   OTR   0 0 2,000
Truist Financial Corp COM 89832Q109 394 7,097 SH   OTR   0 0 7,097
UBS AG Reg COM H89231338 165 10,750 SH   OTR   0 0 10,750
Unilever NV-NY shares COM 904767704 204 3,494 SH   OTR 1 0 0 3,494
Unilever NV-NY shares COM 904767704 151 2,579 SH   OTR   0 0 2,579
Vanguard Dividend Appreci ETF 921908844 16,798 108,518 SH   SOLE   0 0 108,518
Vanguard Emerging Markets ETF 922042858 5,090 93,715 SH   SOLE   0 0 93,715
Vanguard European Stock ETF 922042874 1,922 28,570 SH   SOLE   0 0 28,570
Vanguard Growth Vipers ETF 922908736 2,080 7,251 SH   SOLE   0 0 7,251
Vanguard High Div Yield ETF 921946406 535 5,105 SH   SOLE   0 0 5,105
Vanguard Int Div App Inde ETF 921946810 13,587 155,314 SH   SOLE   0 0 155,314
Vanguard Large Cap ETF 922908637 8,705 43,363 SH   SOLE   0 0 43,363
Vanguard Mega Cap Value ETF 921910840 24,806 249,010 SH   SOLE   0 0 249,010
Vanguard REIT Index ETF 922908553 6,976 68,533 SH   SOLE   0 0 68,533
Vanguard Value ETF 922908744 1,578 11,482 SH   SOLE   0 0 11,482
ViacomCBS Inc. - Class B COM 92556H206 452 10,000 SH   OTR   0 0 10,000
Walt Disney Co COM 254687106 420 2,391 SH   OTR   0 0 2,391
Wells Fargo & Co. COM 949746101 211 4,661 SH   OTR   0 0 4,661