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
ABBOTT LABS COM 002824100 444 5,110 SH   SOLE   0 0 5,110
AMAZON COM INC COM 023135106 492 266 SH   SOLE   0 0 266
AMERICAN EXPRESS CO COM 025816109 225 1,804 SH   SOLE   0 0 1,804
AMGEN INC COM 031162100 432 1,794 SH   SOLE   0 0 1,794
ANALOG DEVICES INC COM 032654105 651 5,478 SH   SOLE   0 0 5,478
APPLE INC COM 037833100 1,750 5,958 SH   SOLE   0 0 5,958
AUTOMATIC DATA PROCESSING IN COM 053015103 360 2,114 SH   SOLE   0 0 2,114
BALL CORP COM 058498106 279 4,308 SH   SOLE   0 0 4,308
BANK AMER CORP COM 060505104 449 12,739 SH   SOLE   0 0 12,739
BARNES GROUP INC COM 067806109 247 3,980 SH   SOLE   0 0 3,980
BECTON DICKINSON & CO COM 075887109 702 2,582 SH   SOLE   0 0 2,582
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 301 1,329 SH   SOLE   0 0 1,329
BOSTON PRIVATE FINL HLDGS IN COM 101119105 267 22,232 SH   SOLE   0 0 22,232
BRISTOL MYERS SQUIBB CO COM 110122108 280 4,358 SH   SOLE   0 0 4,358
CSX CORP COM 126408103 263 3,631 SH   SOLE   0 0 3,631
CHEVRON CORP NEW COM 166764100 472 3,915 SH   SOLE   0 0 3,915
COLGATE PALMOLIVE CO COM 194162103 418 6,072 SH   SOLE   0 0 6,072
GENERAL ELECTRIC CO COM 369604103 410 36,752 SH   SOLE   0 0 36,752
HOME DEPOT INC COM 437076102 463 2,118 SH   SOLE   0 0 2,118
INTEL CORP COM 458140100 518 8,658 SH   SOLE   0 0 8,658
ISHARES TR CORE S&P500 ETF 464287200 774 2,395 SH   SOLE   0 0 2,395
ISHARES TR MSCI EAFE ETF 464287465 783 11,272 SH   SOLE   0 0 11,272
ISHARES TR NASDAQ BIOTECH 464287556 285 2,361 SH   SOLE   0 0 2,361
ISHARES TR RUS 1000 VAL ETF 464287598 282 2,063 SH   SOLE   0 0 2,063
ISHARES TR RUS 1000 GRW ETF 464287614 2,213 12,580 SH   SOLE   0 0 12,580
ISHARES TR RUSSELL 2000 ETF 464287655 5,950 35,912 SH   SOLE   0 0 35,912
ISHARES TR CORE S&P SCP ETF 464287804 507 6,052 SH   SOLE   0 0 6,052
ISHARES TR MSCI ACWI EX US 464288240 228 4,651 SH   SOLE   0 0 4,651
JOHNSON & JOHNSON COM 478160104 1,123 7,697 SH   SOLE   0 0 7,697
LOWES COS INC COM 548661107 306 2,558 SH   SOLE   0 0 2,558
MCDONALDS CORP COM 580135101 361 1,827 SH   SOLE   0 0 1,827
MICROSOFT CORP COM 594918104 3,108 19,708 SH   SOLE   0 0 19,708
PEPSICO INC COM 713448108 316 2,312 SH   SOLE   0 0 2,312
PROCTER & GAMBLE CO COM 742718109 640 5,120 SH   SOLE   0 0 5,120
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,942 38,298 SH   SOLE   0 0 38,298
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 824 8,868 SH   SOLE   0 0 8,868
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 650 10,815 SH   SOLE   0 0 10,815
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,685 180,928 SH   SOLE   0 0 180,928
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 201 3,764 SH   SOLE   0 0 3,764
STANLEY BLACK & DECKER INC COM 854502101 294 1,776 SH   SOLE   0 0 1,776
STATE STR CORP COM 857477103 223 2,820 SH   SOLE   0 0 2,820
STRYKER CORP COM 863667101 440 2,097 SH   SOLE   0 0 2,097
UNION PACIFIC CORP COM 907818108 461 2,548 SH   SOLE   0 0 2,548
UNITED TECHNOLOGIES CORP COM 913017109 615 4,107 SH   SOLE   0 0 4,107
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 553 10,333 SH   SOLE   0 0 10,333
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 313 1,059 SH   SOLE   0 0 1,059
AT&T INC COM 00206R102 753 19,269 SH   SOLE   0 0 19,269
ABBVIE INC COM 00287Y109 398 4,498 SH   SOLE   0 0 4,498
ALPHABET INC CAP STK CL C 02079K107 1,374 1,028 SH   SOLE   0 0 1,028
ALPHABET INC CAP STK CL A 02079K305 627 468 SH   SOLE   0 0 468
EXXON MOBIL CORP COM 30231G102 1,768 25,338 SH   SOLE   0 0 25,338
ISHARES TR MIN VOL EAFE ETF 46429B689 31,161 418,046 SH   SOLE   0 0 418,046
ISHARES TR MSCI MIN VOL ETF 46429B697 47,530 724,549 SH   SOLE   0 0 724,549
ISHARES TR HDG MSCI EAFE 46434V803 943 30,914 SH   SOLE   0 0 30,914
ISHARES TR ESG MSCI EAFE 46435G516 2,211 32,166 SH   SOLE   0 0 32,166
ISHARES TR MSCI ACWI EXUS 46435G847 39,817 1,415,251 SH   SOLE   0 0 1,415,251
JPMORGAN CHASE & CO COM 46625H100 298 2,138 SH   SOLE   0 0 2,138
ORACLE CORP COM 68389X105 236 4,456 SH   SOLE   0 0 4,456
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 520 20,183 SH   SOLE   0 0 20,183
3M CO COM 88579Y101 486 2,753 SH   SOLE   0 0 2,753
VERIZON COMMUNICATIONS INC COM 92343V104 804 13,101 SH   SOLE   0 0 13,101