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
AFLAC INC COM 001055102 1,099 20,772 SH   SOLE   20,084 0 688
AGCO CORP COM 001084102 663 8,576 SH   SOLE   8,576 0 0
AT&T INC COM 00206R102 1,551 39,677 SH   SOLE   38,544 0 1,133
ABBOTT LABS COM 002824100 412 4,747 SH   SOLE   4,031 0 716
ABBVIE INC COM 00287Y109 315 3,562 SH   SOLE   3,474 0 88
ADOBE INC COM 00724F101 870 2,639 SH   SOLE   2,639 0 0
ALPHABET INC CAP STK CL C 02079K107 737 551 SH   SOLE   501 0 50
ALPHABET INC CAP STK CL A 02079K305 928 693 SH   SOLE   643 0 50
ALTRIA GROUP INC COM 02209S103 733 14,685 SH   SOLE   14,018 0 666
AMAZON COM INC COM 023135106 793 429 SH   SOLE   251 0 178
AMERICAN EXPRESS CO COM 025816109 1,590 12,770 SH   SOLE   12,770 0 0
AMERICAN TOWER CORP NEW COM 03027X100 215 937 SH   SOLE   937 0 0
AMETEK INC NEW COM 031100100 229 2,296 SH   SOLE   2,296 0 0
AMGEN INC COM 031162100 359 1,489 SH   SOLE   1,246 0 243
APPLE INC COM 037833100 5,474 18,642 SH   SOLE   17,481 0 1,161
AUTOMATIC DATA PROCESSING IN COM 053015103 644 3,779 SH   SOLE   3,465 0 314
BANK AMER CORP COM 060505104 1,797 51,023 SH   SOLE   47,091 0 3,932
BANK NEW YORK MELLON CORP COM 064058100 280 5,570 SH   SOLE   2,238 0 3,332
BECTON DICKINSON & CO COM 075887109 315 1,160 SH   SOLE   1,096 0 64
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,593 7,033 SH   SOLE   6,454 0 579
BLACKROCK INC COM 09247X101 355 707 SH   SOLE   663 0 44
BOEING CO COM 097023105 908 2,788 SH   SOLE   1,965 0 823
BOSTON SCIENTIFIC CORP COM 101137107 204 4,516 SH   SOLE   4,516 0 0
BOULDER GROWTH & INCOME FD I COM 101507101 176 14,926 SH   SOLE   14,926 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 661 10,296 SH   SOLE   7,936 0 2,360
CSX CORP COM 126408103 242 3,339 SH   SOLE   3,076 0 263
CENTENE CORP DEL COM 15135B101 324 5,150 SH   SOLE   5,150 0 0
CENTERSTATE BK CORP COM 15201P109 264 10,579 SH   SOLE   0 0 10,579
CHEVRON CORP NEW COM 166764100 562 4,663 SH   SOLE   4,545 0 118
CISCO SYS INC COM 17275R102 489 10,187 SH   SOLE   9,295 0 892
CITIZENS FINL GROUP INC COM 174610105 263 6,484 SH   SOLE   6,484 0 0
COCA COLA CO COM 191216100 520 9,393 SH   SOLE   7,227 0 2,166
COLGATE PALMOLIVE CO COM 194162103 299 4,342 SH   SOLE   4,342 0 0
COMCAST CORP NEW CL A 20030N101 821 18,257 SH   SOLE   17,910 0 347
CONOCOPHILLIPS COM 20825C104 206 3,167 SH   SOLE   3,067 0 100
COSTCO WHSL CORP NEW COM 22160K105 235 798 SH   SOLE   798 0 0
DEERE & CO COM 244199105 276 1,591 SH   SOLE   897 0 694
DISNEY WALT CO COM DISNEY 254687106 525 3,628 SH   SOLE   2,255 0 1,373
DOMINION ENERGY INC COM 25746U109 255 3,073 SH   SOLE   3,073 0 0
EATON VANCE CORP COM NON VTG 278265103 4,123 88,296 SH   SOLE   88,296 0 0
EXXON MOBIL CORP COM 30231G102 2,229 31,944 SH   SOLE   26,147 0 5,797
FACEBOOK INC CL A 30303M102 299 1,459 SH   SOLE   1,341 0 118
FIRST TR EXCHANGE TRADED FD NY ARCA BIOTECH 33733E203 246 1,651 SH   SOLE   1,651 0 0
FORTUNE BRANDS HOME & SEC IN COM 34964C106 357 5,466 SH   SOLE   4,466 0 1,000
FRANKLIN COVEY CO COM 353469109 229 7,113 SH   SOLE   0 0 7,113
GENERAL ELECTRIC CO COM 369604103 412 36,943 SH   SOLE   36,943 0 0
HERSHEY CO COM 427866108 428 2,911 SH   SOLE   2,911 0 0
HINGHAM INSTN SVGS MASS COM 433323102 220 1,048 SH   SOLE   1,048 0 0
HOME DEPOT INC COM 437076102 1,153 5,279 SH   SOLE   3,382 0 1,897
HONEYWELL INTL INC COM 438516106 1,183 6,686 SH   SOLE   5,760 0 926
ILLINOIS TOOL WKS INC COM 452308109 454 2,527 SH   SOLE   2,423 0 104
INTEL CORP COM 458140100 1,390 23,224 SH   SOLE   21,919 0 1,305
INTERNATIONAL BUSINESS MACHS COM 459200101 1,260 9,401 SH   SOLE   8,878 0 523
INVESCO QQQ TR UNIT SER 1 46090E103 484 2,277 SH   SOLE   923 0 1,354
ISHARES GOLD TRUST ISHARES 464285105 937 64,648 SH   SOLE   59,999 0 4,649
ISHARES TR TIPS BD ETF 464287176 257 2,206 SH   SOLE   1,884 0 322
ISHARES TR CORE S&P500 ETF 464287200 14,319 44,297 SH   SOLE   38,948 0 5,349
ISHARES TR S&P 500 GRWT ETF 464287309 393 2,032 SH   SOLE   2,032 0 0
ISHARES TR S&P 500 VAL ETF 464287408 235 1,805 SH   SOLE   1,805 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 287 3,392 SH   SOLE   3,392 0 0
ISHARES TR MSCI EAFE ETF 464287465 429 6,173 SH   SOLE   4,265 0 1,908
ISHARES TR RUS MID CAP ETF 464287499 526 8,829 SH   SOLE   1,200 0 7,629
ISHARES TR CORE S&P MCP ETF 464287507 46,105 224,005 SH   SOLE   195,624 0 28,382
ISHARES TR NASDAQ BIOTECH 464287556 715 5,933 SH   SOLE   5,686 0 247
ISHARES TR RUS 1000 VAL ETF 464287598 1,168 8,559 SH   SOLE   8,559 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,185 18,102 SH   SOLE   17,437 0 665
ISHARES TR RUS 1000 ETF 464287622 16,172 90,641 SH   SOLE   80,516 0 10,125
ISHARES TR RUS 2000 VAL ETF 464287630 13,061 101,580 SH   SOLE   91,030 0 10,550
ISHARES TR RUSSELL 2000 ETF 464287655 349 2,106 SH   SOLE   1,580 0 526
ISHARES TR S&P MC 400VL ETF 464287705 467 2,736 SH   SOLE   2,736 0 0
ISHARES TR US HLTHCARE ETF 464287762 272 1,263 SH   SOLE   1,173 0 90
ISHARES TR CORE S&P SCP ETF 464287804 530 6,320 SH   SOLE   6,320 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,036 5,360 SH   SOLE   3,523 0 1,837
ISHARES TR MSCI ACWI EX US 464288240 600 12,213 SH   SOLE   12,213 0 0
ISHARES TR EAFE SML CP ETF 464288273 35,133 564,116 SH   SOLE   538,129 0 25,987
ISHARES TR JPMORGAN USD EMG 464288281 44,067 384,660 SH   SOLE   333,590 0 51,070
ISHARES TR MSCI USA ESG SLC 464288802 246 1,838 SH   SOLE   1,838 0 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 118,968 1,181,291 SH   SOLE   1,025,645 0 155,646
ISHARES TR CORE MSCI EAFE 46432F842 16,164 247,757 SH   SOLE   231,265 0 16,492
ISHARES INC CORE MSCI EMKT 46434G103 50,063 931,238 SH   SOLE   867,468 0 63,770
JPMORGAN CHASE & CO COM 46625H100 834 5,981 SH   SOLE   5,981 0 0
JP MORGAN EXCHANGE TRADED FD JPMORGAN DIVER 46641Q407 68,624 861,461 SH   SOLE   689,180 0 172,281
JOHNSON & JOHNSON COM 478160104 2,379 16,312 SH   SOLE   13,379 0 2,933
JUST ENERGY GROUP INC COM 48213W101 34 20,000 SH   SOLE   20,000 0 0
KIMBERLY CLARK CORP COM 494368103 327 2,375 SH   SOLE   2,375 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 256 1,293 SH   SOLE   1,293 0 0
LILLY ELI & CO COM 532457108 283 2,156 SH   SOLE   2,156 0 0
LOCKHEED MARTIN CORP COM 539830109 1,607 4,127 SH   SOLE   3,944 0 182
LOEWS CORP COM 540424108 787 15,000 SH   SOLE   15,000 0 0
LOWES COS INC COM 548661107 461 3,854 SH   SOLE   3,518 0 336
MASTERCARD INC CL A 57636Q104 243 813 SH   SOLE   813 0 0
MCDONALDS CORP COM 580135101 274 1,388 SH   SOLE   1,297 0 91
MERCK & CO INC COM 58933Y105 2,035 22,380 SH   SOLE   22,197 0 183
MICROSOFT CORP COM 594918104 5,245 33,257 SH   SOLE   31,115 0 2,142
MONDELEZ INTL INC CL A 609207105 394 7,162 SH   SOLE   7,162 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 237 1,473 SH   SOLE   1,432 0 41
NORFOLK SOUTHERN CORP COM 655844108 627 3,229 SH   SOLE   3,229 0 0
NORTHROP GRUMMAN CORP COM 666807102 480 1,395 SH   SOLE   1,395 0 0
ONEOK INC NEW COM 682680103 298 3,937 SH   SOLE   3,937 0 0
ORACLE CORP COM 68389X105 274 5,166 SH   SOLE   4,247 0 919
PEPSICO INC COM 713448108 2,033 14,872 SH   SOLE   14,658 0 214
PFIZER INC COM 717081103 1,167 29,786 SH   SOLE   29,676 0 110
PHILIP MORRIS INTL INC COM 718172109 281 3,305 SH   SOLE   2,660 0 645
PHILLIPS 66 COM 718546104 281 2,519 SH   SOLE   2,349 0 170
PITNEY BOWES INC COM 724479100 51 12,656 SH   SOLE   12,656 0 0
PROCTER & GAMBLE CO COM 742718109 1,463 11,717 SH   SOLE   10,029 0 1,688
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 508 8,595 SH   SOLE   8,595 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 284 4,810 SH   SOLE   4,810 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,731 8,484 SH   SOLE   7,274 0 1,210
SPDR GOLD TRUST GOLD SHS 78463V107 930 6,506 SH   SOLE   6,506 0 0
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 4,858 94,287 SH   SOLE   94,286 0 1
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 564 14,535 SH   SOLE   13,693 0 842
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300 5,118 77,894 SH   SOLE   71,577 0 6,317
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 1,781 32,092 SH   SOLE   29,960 0 2,132
SPDR SERIES TRUST S&P BIOTECH 78464A870 267 2,812 SH   SOLE   2,812 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 5,073 13,513 SH   SOLE   13,295 0 218
SPDR SERIES TRUST NUVEEN BLMBRG SR 78468R739 230 4,686 SH   SOLE   4,686 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 242 2,605 SH   SOLE   0 0 2,605
SOUTHERN CO COM 842587107 200 3,132 SH   SOLE   2,442 0 690
STERLING BANCORP DEL COM 85917A100 253 12,024 SH   SOLE   12,024 0 0
TEXAS INSTRS INC COM 882508104 371 2,893 SH   SOLE   2,837 0 56
THERMO FISHER SCIENTIFIC INC COM 883556102 287 884 SH   SOLE   841 0 43
3M CO COM 88579Y101 2,443 13,848 SH   SOLE   13,235 0 613
TRUIST FINL CORP COM 89832Q109 1,104 19,610 SH   SOLE   14,988 0 4,622
UNION PACIFIC CORP COM 907818108 1,259 6,965 SH   SOLE   6,965 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,037 6,922 SH   SOLE   5,111 0 1,811
VANGUARD GROUP DIV APP ETF 921908844 9,469 75,957 SH   SOLE   71,687 0 4,270
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 289 3,446 SH   SOLE   3,446 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 272 6,169 SH   SOLE   6,169 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 694 7,409 SH   SOLE   7,409 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 3,835 47,111 SH   SOLE   44,799 0 2,312
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 24,614 499,479 SH   SOLE   473,794 0 25,686
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 268 3,313 SH   SOLE   362 0 2,951
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 18,651 419,407 SH   SOLE   396,847 0 22,560
VANGUARD MUN BD FD INC TAX EXEMPT BD 922907746 260 4,862 SH   SOLE   4,862 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 654 2,210 SH   SOLE   2,210 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 396 4,273 SH   SOLE   4,172 0 101
VANGUARD INDEX FDS SML CP GRW ETF 922908595 340 1,711 SH   SOLE   1,711 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 17,524 127,845 SH   SOLE   122,303 0 5,542
VANGUARD INDEX FDS MID CAP ETF 922908629 1,786 10,026 SH   SOLE   9,626 0 400
VANGUARD INDEX FDS LARGE CAP ETF 922908637 783 5,297 SH   SOLE   5,297 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 26,670 222,529 SH   SOLE   212,474 0 10,055
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,652 10,097 SH   SOLE   9,590 0 507
VERIZON COMMUNICATIONS INC COM 92343V104 1,375 22,399 SH   SOLE   21,224 0 1,175
VISA INC COM CL A 92826C839 203 1,082 SH   SOLE   1,082 0 0
WALMART INC COM 931142103 305 2,566 SH   SOLE   520 0 2,046
ZIMMER BIOMET HLDGS INC COM 98956P102 215 1,437 SH   SOLE   1,437 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 759 3,603 SH   SOLE   1,908 0 1,695