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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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
Alphabet Inc - A Shares COM 02079K305 253 91 SH   SOLE   0 0 91
Alphabet Inc - C Shares COM 02079K107 408 146 SH   OTR 1 0 0 146
Alphabet Inc - C Shares COM 02079K107 8 3 SH   SOLE   0 0 3
Amazon.com Inc COM 023135106 398 122 SH   OTR   0 0 122
Apple Computer, Inc. COM 037833100 3,289 18,835 SH   OTR   0 0 18,835
Bank of America COM 060505104 339 8,220 SH   OTR   0 0 8,220
Berkshire Hathaway Inc. Cl B COM 084670702 3,197 9,059 SH   SOLE   0 0 9,059
Berkshire Hathaway Inc. Cl B COM 084670702 753 2,133 SH   OTR 1 0 0 2,133
Berkshire Hills Bancorp Inc COM 084680107 934 32,245 SH   OTR   0 0 32,245
Blackstone Group LP ETF 09260D107 451 3,550 SH   SOLE   0 0 3,550
Carlisle Companies Inc COM 142339100 3,519 14,309 SH   OTR   0 0 14,309
Caterpillar, Inc. COM 149123101 60 272 SH   OTR   0 0 272
Caterpillar, Inc. COM 149123101 936 4,200 SH   SOLE   0 0 4,200
Chevron Texaco Corporation COM 166764100 451 2,772 SH   OTR   0 0 2,772
CIE Financiere Richemon COM H25662943 303 2,360 SH   OTR 1 0 0 2,360
Citigroup COM 172967424 526 9,853 SH   SOLE   0 0 9,853
Collier Creek Holdings COM 918090101 1,109 75,000 SH   OTR   0 0 75,000
Dow Diamonds - SPDR Dow Jones ETF 78467X109 3,210 9,255 SH   SOLE   0 0 9,255
Dow Jones Select Dividend Index Fund ETF 464287168 632 4,934 SH   SOLE   0 0 4,934
Emcor Group Inc COM 29084Q100 1,906 16,924 SH   OTR   0 0 16,924
Encompass Health Corporation COM 29261A100 1,947 27,387 SH   OTR   0 0 27,387
Exxon Mobil Corp. COM 30231G102 675 8,175 SH   SOLE   0 0 8,175
Facebook, Inc COM 30303M102 267 1,200 SH   OTR   0 0 1,200
Financial Select Sector ETF 81369Y605 530 13,822 SH   SOLE   0 0 13,822
Goldman, Sachs & Co. COM 38141G104 322 976 SH   OTR   0 0 976
HCA Inc. COM 40412C101 212 846 SH   OTR   0 0 846
Health Care Select Sector SPDR Fund ETF 81369Y209 274 2,000 SH   SOLE   0 0 2,000
Heineken Holding ORD EUR1.6 COM 423991959 269 3,395 SH   OTR 1 0 0 3,395
Hershey Foods Corp COM 427866108 271 1,250 SH   OTR   0 0 1,250
Intuit Inc COM 461202103 289 600 SH   OTR   0 0 600
iShares MSCI ACWI Ex US ETF 464288240 807 15,442 SH   SOLE   0 0 15,442
iShares MSCI USA Minimum Vol ETF 46429B697 3,802 49,009 SH   SOLE   0 0 49,009
iShares S&P GSCI Commodity-Indexed Trust ETF 46428R107 3,121 137,777 SH   SOLE   0 0 137,777
iShares SC S&P 600 ETF 464287804 5,843 54,158 SH   SOLE   0 0 54,158
J.P. Morgan Chase COM 46625H100 1,074 7,876 SH   OTR   0 0 7,876
J.P. Morgan Chase COM 46625H100 134 987 SH   OTR 1 0 0 987
Lockheed Martin COM 539830109 400 907 SH   OTR   0 0 907
Market Vectors Gold Miners ETF 92189F106 1,151 30,000 SH   SOLE   0 0 30,000
Mastercard COM 57636Q104 372 1,040 SH   OTR 1 0 0 1,040
Microsoft Corp COM 594918104 1,691 5,485 SH   OTR   0 0 5,485
NASDAQ 100 Trust ETF 46090E103 248 685 SH   SOLE   0 0 685
Nestle SA ADR COM 641069406 449 3,455 SH   OTR 1 0 0 3,455
Paycom Software Inc COM 70432V102 866 2,500 SH   OTR   0 0 2,500
Pernod Ricard SA Ord COM F72027919 274 1,236 SH   OTR 1 0 0 1,236
Pfizer Inc COM 717081103 2,605 50,326 SH   SOLE   0 0 50,326
Phillip Morris International COM 718172109 263 2,804 SH   OTR 1 0 0 2,804
Plymouth Rock Technologies Inc COM 730020104 14 70,000 SH   OTR   0 0 70,000
S&P 500 Spiders ETF 78462F103 15,311 33,902 SH   SOLE   0 0 33,902
Schwab US Dividend Equity ETF ETF 808524797 7,793 98,782 SH   SOLE   0 0 98,782
Sheldahl, Inc. COM 780259305 485 8,824 SH   OTR   0 0 8,824
Short S&P 500 ProShares ETF SHORT 74347B425 254 18,000 SH   SOLE   0 0 18,000
Streettracks Gold Shares ETF 78463V107 1,906 10,549 SH   SOLE   0 0 10,549
Tesla Motors, Inc COM 88160R101 270 250 SH   OTR   0 0 250
Truist Financial Corp COM 89832Q109 461 8,133 SH   OTR   0 0 8,133
UBS AG Reg COM H42097107 210 10,750 SH   OTR   0 0 10,750
Unilever NV-NY shares COM 904767704 113 2,469 SH   OTR   0 0 2,469
Unilever NV-NY shares COM 904767704 147 3,235 SH   OTR 1 0 0 3,235
United Health Group Inc. COM 91324P102 229 450 SH   OTR   0 0 450
Vanguard Dividend Appreciation ETF 921908844 7,437 45,865 SH   SOLE   0 0 45,865
Vanguard Growth Vipers ETF 922908736 1,039 3,612 SH   SOLE   0 0 3,612
Vanguard High Div Yield ETF 921946406 533 4,744 SH   SOLE   0 0 4,744
Vanguard Int Div App Index ETF 921946810 5,354 67,708 SH   SOLE   0 0 67,708
Vanguard Large Cap ETF 922908637 5,141 24,660 SH   SOLE   0 0 24,660
Vanguard Mega Cap Value ETF 921910840 14,931 139,129 SH   SOLE   0 0 139,129
Vanguard REIT Index ETF 922908553 3,018 27,846 SH   SOLE   0 0 27,846
Vanguard Value ETF 922908744 708 4,793 SH   SOLE   0 0 4,793
Walt Disney Co COM 254687106 328 2,391 SH   OTR   0 0 2,391
Wells Fargo & Co. COM 949746101 226 4,661 SH   OTR   0 0 4,661
Workday Inc COM 98138H101 275 1,150 SH   OTR   0 0 1,150