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 257 2,813 SH   SOLE   0 0 2,813
ABBVIE INC COM 00287Y109 439 4,468 SH   SOLE   0 0 4,468
ADOBE INC COM 00724F101 404 928 SH   SOLE   0 0 928
ALPHABET INC CAP STK CL C 02079K107 816 577 SH   SOLE   0 0 577
AMAZON COM INC COM 023135106 499 181 SH   SOLE   0 0 181
AMERICAN EXPRESS CO COM 025816109 917 9,632 SH   SOLE   0 0 9,632
AMGEN INC COM 031162100 710 3,010 SH   SOLE   0 0 3,010
APPLE INC COM 037833100 5,330 14,611 SH   SOLE   0 0 14,611
BAR HBR BANKSHARES COM 066849100 545 24,359 SH   SOLE   0 0 24,359
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 202 1,133 SH   SOLE   0 0 1,133
BERKSHIRE HILLS BANCORP INC COM 084680107 284 25,817 SH   SOLE   0 0 25,817
BK OF AMERICA CORP COM 060505104 362 15,257 SH   SOLE   0 0 15,257
BLACKROCK INC COM 09247X101 579 1,065 SH   SOLE   0 0 1,065
BOEING CO COM 097023105 883 4,816 SH   SOLE   0 0 4,816
BRISTOL-MYERS SQUIBB CO COM 110122108 489 8,321 SH   SOLE   0 0 8,321
CAMBRIDGE BANCORP COM 132152109 667 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108 843 24,400 SH   SOLE   0 0 24,400
CENTURY BANCORP INC MASS CL A NON VTG 156432106 665 8,555 SH   SOLE   0 0 8,555
CLOROX CO DEL COM 189054109 219 1,000 SH   SOLE   0 0 1,000
COMMUNITY BK SYS INC COM 203607106 296 5,189 SH   SOLE   0 0 5,189
CONAGRA BRANDS INC COM 205887102 255 7,250 SH   SOLE   0 0 7,250
COSTCO WHSL CORP NEW COM 22160K105 1,110 3,660 SH   SOLE   0 0 3,660
CVS HEALTH CORP COM 126650100 927 14,262 SH   SOLE   0 0 14,262
DISNEY WALT CO COM DISNEY 254687106 2,157 19,345 SH   SOLE   0 0 19,345
DNP SELECT INCOME FD COM 23325P104 560 51,476 SH   SOLE   0 0 51,476
DUKE ENERGY CORP NEW COM NEW 26441C204 341 4,271 SH   SOLE   0 0 4,271
ENTERPRISE BANCORP INC MASS COM 293668109 825 34,644 SH   SOLE   0 0 34,644
FACEBOOK INC CL A 30303M102 1,270 5,592 SH   SOLE   0 0 5,592
HOME DEPOT INC COM 437076102 3,207 12,802 SH   SOLE   0 0 12,802
HONEYWELL INTL INC COM 438516106 856 5,920 SH   SOLE   0 0 5,920
ILLINOIS TOOL WKS INC COM 452308109 350 2,001 SH   SOLE   0 0 2,001
INDEPENDENT BANK CORP MASS COM 453836108 774 11,529 SH   SOLE   0 0 11,529
INTEL CORP COM 458140100 282 4,712 SH   SOLE   0 0 4,712
INVESCO QQQ TR UNIT SER 1 46090E103 1,952 7,885 SH   SOLE   0 0 7,885
ISHARES TR NATIONAL MUN ETF 464288414 1,424 12,340 SH   SOLE   0 0 12,340
ISHARES TR US HLTHCR PR ETF 464288828 735 3,808 SH   SOLE   0 0 3,808
ISHARES TR SELECT DIVID ETF 464287168 293 3,630 SH   SOLE   0 0 3,630
ISHARES TR SH TR CRPORT ETF 464288646 3,871 70,763 SH   SOLE   0 0 70,763
ISHARES TR CORE S&P SCP ETF 464287804 206 3,023 SH   SOLE   0 0 3,023
ISHARES TR MSCI MIN VOL ETF 46429B697 868 14,322 SH   SOLE   0 0 14,322
ISHARES TR CORE MSCI TOTAL 46432F834 2,146 39,360 SH   SOLE   0 0 39,360
ISHARES TR CALIF MUN BD ETF 464288356 484 7,786 SH   SOLE   0 0 7,786
ISHARES TR INTRM TR CRP ETF 464288638 3,019 49,995 SH   SOLE   0 0 49,995
ISHARES TR CORE US AGGBD ET 464287226 296 2,505 SH   SOLE   0 0 2,505
ISHARES TR S&P 500 GRWT ETF 464287309 6,721 32,393 SH   SOLE   0 0 32,393
ISHARES TR S&P MC 400GR ETF 464287606 284 1,269 SH   SOLE   0 0 1,269
ISHARES TR CORE MSCI EAFE 46432F842 276 4,831 SH   SOLE   0 0 4,831
ISHARES TR CORE S&P US VLU 464287663 2,113 40,450 SH   SOLE   0 0 40,450
ISHARES TR U.S. UTILITS ETF 464287697 661 4,718 SH   SOLE   0 0 4,718
ISHARES TR CORE 1 5 YR USD 46432F859 5,597 108,748 SH   SOLE   0 0 108,748
ISHARES TR RUS MD CP GR ETF 464287481 1,666 10,534 SH   SOLE   0 0 10,534
ISHARES TR CORE S&P500 ETF 464287200 1,713 5,532 SH   SOLE   0 0 5,532
ISHARES TR CORE HIGH DV ETF 46429B663 638 7,856 SH   SOLE   0 0 7,856
ISHARES TR 0-5YR INVT GR CP 46434V100 989 18,970 SH   SOLE   0 0 18,970
ISHARES TR S&P SML 600 GWT 464287887 480 2,825 SH   SOLE   0 0 2,825
ISHARES TR RUS 2000 GRW ETF 464287648 519 2,510 SH   SOLE   0 0 2,510
ISHARES TR S&P 500 VAL ETF 464287408 838 7,745 SH   SOLE   0 0 7,745
ISHARES TR CORE S&P MCP ETF 464287507 582 3,274 SH   SOLE   0 0 3,274
JOHNSON & JOHNSON COM 478160104 2,443 17,368 SH   SOLE   0 0 17,368
JPMORGAN CHASE & CO COM 46625H100 511 5,437 SH   SOLE   0 0 5,437
KRAFT HEINZ CO COM 500754106 232 7,286 SH   SOLE   0 0 7,286
LILLY ELI & CO COM 532457108 1,105 6,733 SH   SOLE   0 0 6,733
LOCKHEED MARTIN CORP COM 539830109 552 1,513 SH   SOLE   0 0 1,513
LULULEMON ATHLETICA INC COM 550021109 757 2,425 SH   SOLE   0 0 2,425
MARRIOTT INTL INC NEW CL A 571903202 276 3,225 SH   SOLE   0 0 3,225
MATCH GROUP INC COM 57665R106 482 4,500 SH   SOLE   0 0 4,500
MCDONALDS CORP COM 580135101 1,098 5,951 SH   SOLE   0 0 5,951
MERCK & CO. INC COM 58933Y105 623 8,053 SH   SOLE   0 0 8,053
MICROCHIP TECHNOLOGY INC. COM 595017104 682 6,479 SH   SOLE   0 0 6,479
MICROSOFT CORP COM 594918104 3,084 15,154 SH   SOLE   0 0 15,154
NEXTERA ENERGY INC COM 65339F101 865 3,602 SH   SOLE   0 0 3,602
NIKE INC CL B 654106103 753 7,675 SH   SOLE   0 0 7,675
OCEANFIRST FINL CORP COM 675234108 290 16,450 SH   SOLE   0 0 16,450
PAYPAL HLDGS INC COM 70450Y103 811 4,655 SH   SOLE   0 0 4,655
PEPSICO INC COM 713448108 649 4,905 SH   SOLE   0 0 4,905
PFIZER INC COM 717081103 665 20,349 SH   SOLE   0 0 20,349
PROCTER AND GAMBLE CO COM 742718109 483 4,038 SH   SOLE   0 0 4,038
SAFETY INS GROUP INC COM 78648T100 989 12,965 SH   SOLE   0 0 12,965
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 392 3,750 SH   SOLE   0 0 3,750
SPDR S&P 500 ETF TR TR UNIT 78462F103 575 1,866 SH   SOLE   0 0 1,866
SPDR SER TR S&P HOMEBUILD 78464A888 258 5,884 SH   SOLE   0 0 5,884
STARBUCKS CORP COM 855244109 1,354 18,402 SH   SOLE   0 0 18,402
SYSCO CORP COM 871829107 308 5,633 SH   SOLE   0 0 5,633
TELADOC HEALTH INC COM 87918A105 874 4,581 SH   SOLE   0 0 4,581
UNION PAC CORP COM 907818108 536 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106 447 4,023 SH   SOLE   0 0 4,023
VAIL RESORTS INC COM 91879Q109 911 5,001 SH   SOLE   0 0 5,001
VANGUARD BD INDEX FDS INTERMED TERM 921937819 376 4,030 SH   SOLE   0 0 4,030
VANGUARD INDEX FDS GROWTH ETF 922908736 798 3,949 SH   SOLE   0 0 3,949
VANGUARD INDEX FDS VALUE ETF 922908744 267 2,680 SH   SOLE   0 0 2,680
VANGUARD INDEX FDS SML CP GRW ETF 922908595 639 3,202 SH   SOLE   0 0 3,202
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,018 48,612 SH   SOLE   0 0 48,612
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 683 7,179 SH   SOLE   0 0 7,179
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 251 2,141 SH   SOLE   0 0 2,141
VANGUARD WORLD FDS UTILITIES ETF 92204A876 728 5,886 SH   SOLE   0 0 5,886
VISA INC COM CL A 92826C839 1,285 6,653 SH   SOLE   0 0 6,653
WALMART INC COM 931142103 208 1,736 SH   SOLE   0 0 1,736
WASHINGTON TR BANCORP COM 940610108 587 17,917 SH   SOLE   0 0 17,917
WEC ENERGY GROUP INC COM 92939U106 414 4,725 SH   SOLE   0 0 4,725
YUM BRANDS INC COM 988498101 275 3,159 SH   SOLE   0 0 3,159
ZOETIS INC CL A 98978V103 569 4,150 SH   SOLE   0 0 4,150