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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   229,230 1,259 SH   SOLE   325 0 934
ALPHABET INC CAP STK CL C 02079K107   247,727 1,627 SH   SOLE   0 0 1,627
ALPHABET INC CAP STK CL A 02079K305   286,465 1,898 SH   SOLE   0 0 1,898
AMAZON COM INC COM 023135106   500,537 2,775 SH   SOLE   60 0 2,715
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,039,489 35,188 SH   SOLE   0 0 35,188
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,300,575 24,550 SH   SOLE   0 0 24,550
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   611,664 12,023 SH   SOLE   0 0 12,023
APPLE INC COM 037833100   5,082,785 29,641 SH   SOLE   2,683 0 26,958
BIOLIFE SOLUTIONS INC COM NEW 09062W204   186,483 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   75,546,777 756,982 SH   SOLE   1,227 0 755,754
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   38,825,051 513,491 SH   SOLE   513 0 512,978
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   48,611,482 1,161,010 SH   SOLE   0 0 1,161,010
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   229,628 3,134 SH   SOLE   0 0 3,134
CAMBRIDGE BANCORP COM 132152109   1,916,318 28,115 SH   SOLE   0 0 28,115
META PLATFORMS INC CL A 30303M102   371,081 764 SH   SOLE   0 0 764
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   573,748 14,914 SH   SOLE   4,968 0 9,946
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   5,287,782 178,944 SH   SOLE   0 0 178,944
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   13,970,156 308,324 SH   SOLE   4,283 0 304,041
FIRST MERCHANTS CORP COM 320817109   312,634 8,958 SH   SOLE   0 0 8,958
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,620,115 31,544 SH   SOLE   0 0 31,544
FORD MTR CO DEL COM 345370860   698,444 52,594 SH   SOLE   0 0 52,594
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   243,331 3,852 SH   SOLE   730 0 3,122
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   213,111 9,170 SH   SOLE   0 0 9,170
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   216,720 9,230 SH   SOLE   0 0 9,230
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   289,081 12,221 SH   SOLE   0 0 12,221
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   540,387 22,932 SH   SOLE   0 0 22,932
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   531,318 21,829 SH   SOLE   0 0 21,829
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   439,830 17,749 SH   SOLE   0 0 17,749
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   8,425,016 436,756 SH   SOLE   0 0 436,756
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   9,788,168 509,535 SH   SOLE   0 0 509,535
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   10,358,775 507,037 SH   SOLE   0 0 507,037
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,962,456 93,584 SH   SOLE   0 0 93,584
ISHARES GOLD TR ISHARES NEW 464285204   501,641 11,941 SH   SOLE   0 0 11,941
ISHARES INC MSCI AUST ETF 464286103   1,294,650 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,667,094 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   1,675,723 6,773 SH   SOLE   0 0 6,773
ISHARES TR CORE S&P TTL STK 464287150   3,919,236 33,992 SH   SOLE   5,039 0 28,952
ISHARES TR CORE S&P500 ETF 464287200   1,871,487 3,560 SH   SOLE   425 0 3,135
ISHARES TR CORE US AGGBD ET 464287226   442,777 4,521 SH   SOLE   1,234 0 3,287
ISHARES TR RUS 1000 ETF 464287622   5,626,641 19,535 SH   SOLE   54 0 19,481
ISHARES TR NATIONAL MUN ETF 464288414   216,895 2,016 SH   SOLE   0 0 2,016
ISHARES TR CORE MSCI EAFE 46432F842   336,810 4,538 SH   SOLE   3,845 0 693
ISHARES TR INTERNATIONAL SL 46434V266   277,964 8,428 SH   SOLE   0 0 8,428
ISHARES TR IBONDS DEC 26 46435U259   1,699,595 67,045 SH   SOLE   0 0 67,045
ISHARES TR IBONDS DEC 27 46435U283   1,173,804 46,635 SH   SOLE   0 0 46,635
ISHARES TR IBONDS DEC 28 46435U325   1,231,643 48,739 SH   SOLE   0 0 48,739
ISHARES TR IBONDS DEC 25 46435U432   2,199,979 83,144 SH   SOLE   3,476 0 79,668
ISHARES TR ESG AWR US AGRGT 46435U549   1,416,254 30,095 SH   SOLE   0 0 30,095
ISHARES TR IBONDS DEC 46435U697   2,970,758 114,480 SH   SOLE   3,555 0 110,925
JPMORGAN CHASE & CO COM 46625H100   237,155 1,184 SH   SOLE   450 0 734
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   255,417 4,414 SH   SOLE   956 0 3,458
ELI LILLY & CO COM 532457108   439,547 565 SH   SOLE   415 0 150
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   320,271 12,704 SH   SOLE   0 0 12,704
MCDONALDS CORP COM 580135101   475,932 1,688 SH   SOLE   0 0 1,688
MICROSOFT CORP COM 594918104   1,670,794 3,971 SH   SOLE   997 0 2,974
PFIZER INC COM 717081103   232,767 8,388 SH   SOLE   800 0 7,588
PROCTER AND GAMBLE CO COM 742718109   265,851 1,639 SH   SOLE   160 0 1,479
PUTNAM ETF TRUST SUSTAINABLE FUTU 746729201   202,278 8,305 SH   SOLE   0 0 8,305
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   698,914 19,561 SH   SOLE   0 0 19,561
SPDR S&P 500 ETF TR TR UNIT 78462F103   53,158,791 101,628 SH   SOLE   956 0 100,673
SPDR GOLD TR GOLD SHS 78463V107   667,561 3,245 SH   SOLE   350 0 2,895
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   208,413 3,610 SH   SOLE   0 0 3,610
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,048,239 168,757 SH   SOLE   6,227 0 162,530
SPDR SER TR PORTFOLIO AGRGTE 78464A649   6,036,957 238,804 SH   SOLE   17,108 0 221,696
SPDR SER TR PORTFLI INTRMDIT 78464A672   36,312,572 1,288,594 SH   SOLE   740 0 1,287,854
SPDR SER TR S&P DIVID ETF 78464A763   1,263,958 9,631 SH   SOLE   0 0 9,631
SPDR SER TR PORTFOLI S&P1500 78464A805   11,394,117 177,617 SH   SOLE   0 0 177,617
SPDR SER TR PORTFOLIO S&P400 78464A847   354,188 6,640 SH   SOLE   0 0 6,640
SPDR SER TR PORTFOLIO S&P500 78464A854   3,655,207 59,405 SH   SOLE   0 0 59,405
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,425,349 83,864 SH   SOLE   0 0 83,864
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,368,567 25,801 SH   SOLE   1,155 0 24,646
SPDR SER TR NUVEEN BLMBRG MU 78468R721   208,407 4,484 SH   SOLE   0 0 4,484
SPDR SER TR SPDR MSCI USA GE 78468R747   255,864 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,449,156 9,951 SH   SOLE   0 0 9,951
SPDR SER TR PORTFOLIO S&P600 78468R853   666,467 15,485 SH   SOLE   0 0 15,485
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   610,723 14,476 SH   SOLE   0 0 14,476
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   205,616 3,368 SH   SOLE   0 0 3,368
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,376,493 102,747 SH   SOLE   0 0 102,747
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,615,616 28,210 SH   SOLE   0 0 28,210
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,834,888 47,094 SH   SOLE   734 0 46,361
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   526,835 10,699 SH   SOLE   0 0 10,699
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   4,119,012 51,085 SH   SOLE   0 0 51,085
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   440,491 11,289 SH   SOLE   0 0 11,289
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   7,000,082 142,713 SH   SOLE   0 0 142,713
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   226,554 4,699 SH   SOLE   0 0 4,699
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   219,143 1,483 SH   SOLE   476 0 1,007
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,530,440 7,348 SH   SOLE   920 0 6,428
SPROTT PHYSICAL GOLD TR UNIT 85207H104   2,730,580 157,837 SH   SOLE   0 0 157,837
VANECK ETF TRUST INFLATION ALLOCA 92189F130   735,466 27,139 SH   SOLE   0 0 27,139
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,916,699 54,691 SH   SOLE   0 0 54,691
VANGUARD WORLD FD ESG US STK ETF 921910733   324,908 3,487 SH   SOLE   0 0 3,487
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   403,574 3,336 SH   SOLE   0 0 3,336
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   751,298 15,688 SH   SOLE   0 0 15,688
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   293,589 6,967 SH   SOLE   0 0 6,967
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,224,536 5,990 SH   SOLE   0 0 5,990
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   220,699 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,292,444 14,945 SH   SOLE   0 0 14,945
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,445,822 5,545 SH   SOLE   0 0 5,545
VANGUARD INDEX FDS MID CAP ETF 922908629   1,939,890 7,764 SH   SOLE   0 0 7,764
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   208,781 1,191 SH   SOLE   0 0 1,191
VANGUARD INDEX FDS GROWTH ETF 922908736   4,814,493 13,987 SH   SOLE   0 0 13,987
VANGUARD INDEX FDS VALUE ETF 922908744   470,047 2,886 SH   SOLE   1,278 0 1,608
VANGUARD INDEX FDS SMALL CP ETF 922908751   245,506 1,074 SH   SOLE   0 0 1,074
VERIZON COMMUNICATIONS INC COM 92343V104   279,629 6,664 SH   SOLE   699 0 5,965
WISDOMTREE TR INTL EQUITY FD 97717W703   237,120 4,327 SH   SOLE   0 0 4,327
WISDOMTREE TR GLB US QTLY DIV 97717W844   4,602,126 118,337 SH   SOLE   0 0 118,337
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,502,567 32,846 SH   SOLE   0 0 32,846
WORLD GOLD TR SPDR GLD MINIS 98149E303   17,945,397 407,387 SH   SOLE   0 0 407,387