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
3M CO COM 88579y101 438 2,805 SH   SOLE   2,805 0 0
ABBOTT LABS COM 002824100 16,659 182,207 SH   SOLE   182,207 0 0
ABBVIE INC COM 00287y109 603 6,137 SH   SOLE   6,137 0 0
ADOBE INC COM 00724f101 27,177 62,432 SH   SOLE   62,432 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 758 3,140 SH   SOLE   3,140 0 0
ALPHABET INC CL A COM 02079k305 17,614 12,421 SH   SOLE   12,421 0 0
ALPHABET INC CL C COM 02079k107 1,343 950 SH   SOLE   950 0 0
AMAZON.COM INC COM 023135106 25,861 9,374 SH   SOLE   9,374 0 0
ANALOG DEVICES INC COM 032654105 386 3,147 SH   SOLE   3,147 0 0
ANGI HOMESERVICES INC CL A COM 00183l102 3,222 265,193 SH   SOLE   265,193 0 0
APPLE INC COM 037833100 21,560 59,102 SH   SOLE   59,102 0 0
AT&T INC COM 00206r102 10,747 355,524 SH   SOLE   355,524 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 1,617 10,863 SH   SOLE   10,863 0 0
AUTOMATIC DATA PROCESSING INC COM 053015103 15 100 SH   DFND   100 0 0
AXSOME THERAPEUTICS INC COM 05464t104 316 3,840 SH   SOLE   3,840 0 0
BANK OF AMERICA CORP COM 060505104 11,135 468,831 SH   SOLE   468,831 0 0
BANK OF NOVA SCOTIA HALIFAX COM 064149107 247 6,000 SH   SOLE   6,000 0 0
BECTON DICKINSON COM 075887109 7,631 31,892 SH   SOLE   31,892 0 0
BERKSHIRE HATHAWAY INC CL A COM 084670108 267 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC-CL B COM 084670702 614 3,441 SH   SOLE   3,441 0 0
BEYOND AIR INC COM 08862l103 126 17,425 SH   SOLE   17,425 0 0
BIOGEN INC COM 09062x103 575 2,151 SH   SOLE   2,151 0 0
BOEING CO COM 097023105 494 2,696 SH   SOLE   2,696 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 7,765 132,056 SH   SOLE   132,056 0 0
CAMBRIDGE BANCORP COM 132152109 286 4,835 SH   SOLE   4,835 0 0
CANADIAN NATIONAL RAILWAY CO COM 136375102 372 4,210 SH   SOLE   4,210 0 0
CHEVRON CORPORATION COM 166764100 937 10,499 SH   SOLE   10,499 0 0
CHURCH & DWIGHT INC COM 171340102 645 8,340 SH   SOLE   8,340 0 0
CISCO SYSTEMS INC COM 17275r102 12,542 268,901 SH   SOLE   268,901 0 0
COCA COLA CO COM 191216100 10,691 239,269 SH   SOLE   239,269 0 0
COGNIZANT TECHNOLOGY SOLUTIONS CORP COM 192446102 203 3,569 SH   SOLE   3,569 0 0
CVR PARTNERS LP COM 126633106 13 14,900 SH   SOLE   14,900 0 0
DANAHER CORP COM 235851102 403 2,280 SH   SOLE   2,280 0 0
DISNEY WALT CO NEW COM 254687106 350 3,135 SH   SOLE   3,135 0 0
DUPONT DE NEMOURS INC COM 26614n102 250 4,697 SH   SOLE   4,697 0 0
ECOLAB INC COM 278865100 6,358 31,958 SH   SOLE   31,958 0 0
EDWARDS LIFESCIENCES CORP COM 28176e108 454 6,570 SH   SOLE   6,570 0 0
EMERSON ELEC CO COM 291011104 779 12,565 SH   SOLE   12,565 0 0
EXXON MOBIL CORP COM 30231g102 4,471 99,970 SH   SOLE   99,970 0 0
FACEBOOK INC-A COM 30303m102 220 967 SH   SOLE   967 0 0
FISERV INC COM 337738108 570 5,840 SH   SOLE   5,840 0 0
GENUINE PARTS CO COM 372460105 249 2,865 SH   SOLE   2,865 0 0
HEINEKEN HOLDING NV COM 00b0cch46 301 3,680 SH   SOLE   3,680 0 0
HEXCEL CORP COM 428291108 7,512 166,111 SH   SOLE   166,111 0 0
HOME DEPOT INC COM 437076102 996 3,976 SH   SOLE   3,976 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 8,749 60,509 SH   SOLE   60,509 0 0
INTEL CORP COM 458140100 1,410 23,573 SH   SOLE   23,573 0 0
INTERCONTINENTAL EXCHANGE INC COM 45866f104 7,950 86,790 SH   SOLE   86,790 0 0
INTL. BUSINESS MACHINES CORP COM 459200101 9,089 75,262 SH   SOLE   75,262 0 0
INTUIT INC COM 461202103 647 2,185 SH   SOLE   2,185 0 0
ISHARES 7-10 YEAR TREASURY B COM 464287440 677 5,559 SH   SOLE   5,559 0 0
ISHARES CORE S&P TOTAL U.S. COM 464287150 5,068 72,986 SH   SOLE   72,986 0 0
ISHARES GOLD TRUST COM 464285105 42,135 2,479,963 SH   SOLE   2,479,963 0 0
ISHARES MSCI KLD 400 SOCIAL ETF COM 464288570 663 5,615 SH   SOLE   5,615 0 0
ISHARES NASDAQ BIOTECH ETF COM 464287556 7,682 56,203 SH   SOLE   56,203 0 0
JACK HENRY & ASSOCIATES INC COM 426281101 315 1,710 SH   SOLE   1,710 0 0
JOHNSON & JOHNSON COM 478160104 14,739 104,810 SH   SOLE   104,810 0 0
JP MORGAN CHASE & CO COM 46625h100 10,832 115,157 SH   SOLE   115,157 0 0
LILLY ELI & CO COM 532457108 430 2,620 SH   SOLE   2,620 0 0
LINDE PLC COM g5494j103 14,095 66,451 SH   SOLE   66,451 0 0
LOWES COS INC COM 548661107 27 200 SH   DFND   200 0 0
MASTERCARD INC CL A COM 57636q104 863 2,920 SH   SOLE   2,920 0 0
MCDONALDS CORP COM 580135101 686 3,720 SH   SOLE   3,720 0 0
MERCK & CO INC COM 58933y105 14,728 190,460 SH   SOLE   190,460 0 0
MICROSOFT CORP COM 594918104 34,001 167,071 SH   SOLE   167,071 0 0
NESTLE SA SPONS ADR COM 641069406 11,776 106,629 SH   SOLE   106,629 0 0
NEXTERA ENERGY INC COM 65339f101 18,052 75,162 SH   SOLE   75,162 0 0
PAYPAL HOLDINGS INC COM 70450y103 14,593 83,756 SH   SOLE   83,756 0 0
PEPSICO INC COM 713448108 11,486 86,846 SH   SOLE   86,846 0 0
PEPSICO INC COM 713448108 13 100 SH   DFND   100 0 0
PFIZER INC COM 717081103 675 20,631 SH   SOLE   20,631 0 0
PFIZER INC COM 717081103 49 1,511 SH   DFND   1,511 0 0
PHORM CORP LTD COM 00b83b2c1 0 250,000 SH   SOLE   250,000 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 385 3,660 SH   SOLE   3,660 0 0
PROCTER & GAMBLE CO COM 742718109 12,755 106,676 SH   SOLE   106,676 0 0
PROMIS NEUROSCIENCES INC COM 00bymxsm2 12 73,500 SH   SOLE   73,500 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 540 8,769 SH   SOLE   8,769 0 0
ROPER TECHNOLOGIES INC COM 776696106 215 555 SH   SOLE   555 0 0
ROYAL BANK OF CANADA COM 780087102 379 5,600 SH   SOLE   5,600 0 0
SALESFORCE.COM COM 79466l302 17,278 92,235 SH   SOLE   92,235 0 0
SPDR GOLD TRUST COM 78463v107 237 1,415 SH   SOLE   1,415 0 0
SPDR PORT SHRT TRM TRSRY COM 78468r101 220 7,163 SH   SOLE   7,163 0 0
STARBUCKS CORP COM 855244109 263 3,580 SH   SOLE   3,580 0 0
STATE STREET CORP COM 857477103 341 5,364 SH   SOLE   5,364 0 0
STRYKER CORPORATION COM 863667101 670 3,717 SH   SOLE   3,717 0 0
TARGET CORP COM 87612e106 278 2,315 SH   SOLE   2,315 0 0
TG THERAPEUTICS INC COM 88322q108 210 10,800 SH   SOLE   10,800 0 0
TJX COS INC COM 872540109 660 13,060 SH   SOLE   13,060 0 0
TYHEE GOLD CORP COM 00b3bk3m2 42 5,194,000 SH   SOLE   5,194,000 0 0
UNION PAC CORP COM 907818108 12,621 74,649 SH   SOLE   74,649 0 0
UNITEDHEALTH GROUP INC COM 91324p102 7,968 27,016 SH   SOLE   27,016 0 0
US BANCORP NEW COM 902973304 546 14,840 SH   SOLE   14,840 0 0
VANGUARD DIVIDEND APPREC ETF COM 921908844 5,198 44,363 SH   SOLE   44,363 0 0
VERIZON COMMUNICATIONS COM 92343v104 11,636 211,073 SH   SOLE   211,073 0 0
VISA INC CL A COM 92826c839 19,434 100,608 SH   SOLE   100,608 0 0
WALMART INC COM 931142103 9,249 77,220 SH   SOLE   77,220 0 0
WEYERHAEUSER CO REIT COM 962166104 362 16,106 SH   SOLE   16,106 0 0
WI2WI CORP COM 00b973xc7 23 518,500 SH   SOLE   518,500 0 0
XYLEM INC COM 98419m100 5,846 89,998 SH   SOLE   89,998 0 0
YUM BRANDS INC COM 988498101 281 3,235 SH   SOLE   3,235 0 0
ZOETIS INC COM 98978v103 15,703 114,585 SH   SOLE   114,585 0 0
ZOETIS INC COM 98978v103 65 476 SH   DFND   476 0 0