Apple COM 037833100 2551 22034 SH SOLE NONE 0 0 22034 Abbvie Inc COM 00287Y109 257 2941 SH SOLE NONE 0 0 2941 Abbott Laboratories COM 002824100 599 5505 SH SOLE NONE 0 0 5505 Accenture Plc Cl A SHS CLASS A G1151C101 909 4025 SH SOLE NONE 0 0 4025 iShares MSCI ACWI ex US ETF MSCI ACWI EX US 464288240 336 7326 SH SOLE NONE 0 0 7326 Analog Devices Inc COM 032654105 210 1801 SH SOLE NONE 0 0 1801 Automatic Data Processing COM 053015103 533 3827 SH SOLE NONE 0 0 3827 iShares U.S. Aggregate Bond ETF CORE US AGGBD ET 464287226 25893 219325 SH SOLE NONE 0 0 219325 AMGEN INC COM COM 031162100 931 3665 SH SOLE NONE 0 0 3665 Ameriprise Financial Inc COM 03076C106 508 3298 SH SOLE NONE 0 0 3298 Amazon.com COM 023135106 749 238 SH SOLE NONE 0 0 238 Air Prod & Chemicals Inc COM 009158106 287 965 SH SOLE NONE 0 0 965 Avalonbay Cmntys Inc Com COM 053484101 327 2190 SH SOLE NONE 0 0 2190 Broadcom Limited Com Npv COM 11135F101 614 1687 SH SOLE NONE 0 0 1687 American Express Company COM 025816109 252 2523 SH SOLE NONE 0 0 2523 Bank of America COM 060505104 266 11073 SH SOLE NONE 0 0 11073 Becton Dickinson & Co COM 075887109 283 1219 SH SOLE NONE 0 0 1219 Spdr Bloomberg Barclays SPDR BLOOMBERG 78468R663 1789 19552 SH SOLE NONE 0 0 19552 Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 275 3122 SH SOLE NONE 0 0 3122 Broadridge Financial Solutions, Inc COM 11133T103 689 5221 SH SOLE NONE 0 0 5221 Berkshire Hathaway Inc CL B NEW 084670702 409 1923 SH SOLE NONE 0 0 1923 Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 25540 307527 SH SOLE NONE 0 0 307527 Boston Properties COM 101121101 213 2663 SH SOLE NONE 0 0 2663 Citigroup COM NEW 172967424 305 7087 SH SOLE NONE 0 0 7087 Chubb Corp COM H1467J104 398 3428 SH SOLE NONE 0 0 3428 Colgate-Palmolive Co COM 194162103 593 7699 SH SOLE NONE 0 0 7699 Comcast Corporation CL A 20030N101 287 6214 SH SOLE NONE 0 0 6214 COST COM 22160K105 200 564 SH SOLE NONE 0 0 564 Cisco Systems Inc COM 17275R102 731 18562 SH SOLE NONE 0 0 18562 C S X Corp COM 126408103 275 3543 SH SOLE NONE 0 0 3543 C V S Health Corporation COM 126650100 732 12548 SH SOLE NONE 0 0 12548 Diageo Plc New Adr SPON ADR NEW 25243Q205 312 2273 SH SOLE NONE 0 0 2273 Walt Disney Co COM DISNEY 254687106 873 7043 SH SOLE NONE 0 0 7043 iShares MSCI EAFE Min Vol ETF MSCI EAFE MIN VL 46429B689 334 4908 SH SOLE NONE 0 0 4908 Ishares Msci Eafe Esg ESG AW MSCI EAFE 46435G516 639 10081 SH SOLE NONE 0 0 10081 Ishares Msci Usa Esg ESG AWR MSCI USA 46435G425 924 12127 SH SOLE NONE 0 0 12127 Exelon Corporation COM 30161N101 408 11428 SH SOLE NONE 0 0 11428 Facebook Inc CL A 30303M102 282 1079 SH SOLE NONE 0 0 1079 Gilead Sciences Inc COM 375558103 584 9250 SH SOLE NONE 0 0 9250 Google Inc Cl C Non Vtg CAP STK CL C 02079K107 509 347 SH SOLE NONE 0 0 347 Google Inc Class A Vtg CAP STK CL A 02079K305 319 218 SH SOLE NONE 0 0 218 Home Depot Inc COM 437076102 785 2829 SH SOLE NONE 0 0 2829 Honeywell International COM 438516106 522 3176 SH SOLE NONE 0 0 3176 iShares Gold Trust ETF ISHARES 464285105 10697 594652 SH SOLE NONE 0 0 594652 iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 31449 258164 SH SOLE NONE 0 0 258164 Ishares Tr 3-7 Yr Tr Bd Etf 3 7 YR TREAS BD 464288661 1645 12321 SH SOLE NONE 0 0 12321 Ishares Core Msci CORE MSCI EMKT 46434G103 508 9640 SH SOLE NONE 0 0 9640 iShares S&P Mid Cap ETF CORE S&P MCP ETF 464287507 9593 51768 SH SOLE NONE 0 0 51768 Intel Corp COM 458140100 636 12298 SH SOLE NONE 0 0 12298 Illinois Tool Works Inc COM 452308109 314 1629 SH SOLE NONE 0 0 1629 VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 285 2275 SH SOLE NONE 0 0 2275 iShares S&P 500 ETF CORE S&P500 ETF 464287200 34083 101420 SH SOLE NONE 0 0 101420 Johnson & Johnson COM 478160104 1248 8387 SH SOLE NONE 0 0 8387 JPMorgan Chase & Co. COM 46625H100 1161 12063 SH SOLE NONE 0 0 12063 Coca Cola Company COM 191216100 219 4446 SH SOLE NONE 0 0 4446 ELI LILLY & CO COM COM 532457108 241 1632 SH SOLE NONE 0 0 1632 Lockheed Martin Corp COM 539830109 311 813 SH SOLE NONE 0 0 813 Lowes Companies Inc COM 548661107 203 1229 SH SOLE NONE 0 0 1229 Mastercard Inc CL A 57636Q104 1070 3165 SH SOLE NONE 0 0 3165 McDonald's Corp COM 580135101 833 3796 SH SOLE NONE 0 0 3796 Mondelez Intl Inc Cl A CL A 609207105 583 10164 SH SOLE NONE 0 0 10164 Medtronic Inc SHS G5960L103 701 6749 SH SOLE NONE 0 0 6749 3m Company COM 88579Y101 660 4124 SH SOLE NONE 0 0 4124 Merck & Co Inc New COM 58933Y105 721 8698 SH SOLE NONE 0 0 8698 Microsoft Corp COM 594918104 2357 11207 SH SOLE NONE 0 0 11207 Nike Inc CL B 654106103 345 2751 SH SOLE NONE 0 0 2751 Natwest Group Adr Rep 2 Ord SPONS ADR 2 ORD 639057108 28 10440 SH SOLE NONE 0 0 10440 Oracle Corporation COM 68389X105 260 4363 SH SOLE NONE 0 0 4363 PepsiCo, Inc. COM 713448108 858 6196 SH SOLE NONE 0 0 6196 Pfizer Incorporated COM 717081103 900 24537 SH SOLE NONE 0 0 24537 Procter & Gamble COM 742718109 1287 9264 SH SOLE NONE 0 0 9264 Sprott Physical Gold Trust UNIT 85207H104 308 20500 SH SOLE NONE 0 0 20500 Pnc Finl Services Gp Inc COM 693475105 244 2220 SH SOLE NONE 0 0 2220 Paypal Hldgs Inc Com COM 70450Y103 295 1500 SH SOLE NONE 0 0 1500 Qualcomm Inc COM 747525103 976 8299 SH SOLE NONE 0 0 8299 Powershs Nasdaq-100 ETF UNIT SER 1 46090E103 8159 29369 SH SOLE NONE 0 0 29369 Raytheon Technologies Ord COM 75513E101 635 11049 SH SOLE NONE 0 0 11049 Starbucks Corp COM 855244109 210 2450 SH SOLE NONE 0 0 2450 Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 12462 225367 SH SOLE NONE 0 0 225367 SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 1839 35709 SH SOLE NONE 0 0 35709 Ishares 1-3 Year Treasry 1 3 YR TREAS BD 464287457 21976 254039 SH SOLE NONE 0 0 254039 PowerShares S&P 500 Low Vol. ETF S&P500 LOW VOL 46138E354 1791 33401 SH SOLE NONE 0 0 33401 Spdr Portfolio Short Term Corporate Bond PORTFOLIO SHORT 78464A474 844 26910 SH SOLE NONE 0 0 26910 SPDR S&P 500 ETF TR UNIT 78462F103 4736 14143 SH SOLE NONE 0 0 14143 State Str Corp Com Isin #us8574771031 SE COM 857477103 413 6973 SH SOLE NONE 0 0 6973 AT&T COM 00206R102 607 21306 SH SOLE NONE 0 0 21306 Toronto Dominion Bank COM NEW 891160509 224 4864 SH SOLE NONE 0 0 4864 TE Connectivity Ltd REG SHS H84989104 704 7212 SH SOLE NONE 0 0 7212 TJX Companies Inc COM 872540109 600 10787 SH SOLE NONE 0 0 10787 Ishares Tr Bond 20 YR TR BD ETF 464287432 206 1265 SH SOLE NONE 0 0 1265 THE TRAVELERS COMPANIES INC CO M COM 89417E109 245 2265 SH SOLE NONE 0 0 2265 Texas Instruments Inc COM 882508104 374 2623 SH SOLE NONE 0 0 2623 UNH COM 91324P102 226 727 SH SOLE NONE 0 0 727 Union Pacific Corp COM 907818108 980 4981 SH SOLE NONE 0 0 4981 Visa COM CL A 92826C839 472 2364 SH SOLE NONE 0 0 2364 Vanguard Developed Markets ETF FTSE DEV MKT ETF 921943858 29099 711473 SH SOLE NONE 0 0 711473 Vanguard FTSE All-World ex-US ETF ALLWRLD EX US 922042775 602 11942 SH SOLE NONE 0 0 11942 VF Corporation COM 918204108 434 6188 SH SOLE NONE 0 0 6188 Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 4732 36786 SH SOLE NONE 0 0 36786 Vanguard Total Stock Mkt ETF TOTAL STK MKT 922908769 6855 40252 SH SOLE NONE 0 0 40252 Vanguard Emerging Markets ETF FTSE EMR MKT ETF 922042858 11896 275129 SH SOLE NONE 0 0 275129 Verizon Communications COM 92343V104 1126 18933 SH SOLE NONE 0 0 18933 Xcel Energy Inc Com COM 98389B100 629 9124 SH SOLE NONE 0 0 9124