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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
ALPHABET INC CAP STK CL A 02079K305   232,669 1,778 SH   SOLE   0 0 1,778
AMAZON COM INC COM 023135106   308,381 2,426 SH   SOLE   60 0 2,366
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,084,314 39,483 SH   SOLE   0 0 39,483
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,551,029 19,898 SH   SOLE   0 0 19,898
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   1,224,983 24,183 SH   SOLE   0 0 24,183
APPLE INC COM 037833100   5,140,566 30,025 SH   SOLE   2,683 0 27,342
BIOLIFE SOLUTIONS INC COM NEW 09062W204   138,832 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   57,696,692 712,305 SH   SOLE   1,218 0 711,087
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   29,654,535 454,476 SH   SOLE   328 0 454,148
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   52,200,234 1,295,452 SH   SOLE   0 0 1,295,452
CAMBRIDGE BANCORP COM 132152109   1,918,773 30,804 SH   SOLE   0 0 30,804
META PLATFORMS INC CL A 30303M102   299,910 999 SH   SOLE   0 0 999
FEDEX CORP COM 31428X106   207,112 782 SH   SOLE   0 0 782
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   442,581 15,283 SH   SOLE   4,967 0 10,316
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   9,607,753 220,564 SH   SOLE   4,262 0 216,301
FIRST MERCHANTS CORP COM 320817109   249,212 8,958 SH   SOLE   0 0 8,958
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,233,622 25,238 SH   SOLE   0 0 25,238
FORD MTR CO DEL COM 345370860   707,511 56,965 SH   SOLE   0 0 56,965
INVESCO QQQ TR UNIT SER 1 46090E103   385,710 1,077 SH   SOLE   0 0 1,077
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   282,818 12,302 SH   SOLE   0 0 12,302
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   312,122 13,002 SH   SOLE   0 0 13,002
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   259,261 10,520 SH   SOLE   0 0 10,520
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   12,273,909 653,378 SH   SOLE   0 0 653,378
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   13,234,855 658,123 SH   SOLE   0 0 658,123
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   13,544,234 655,260 SH   SOLE   0 0 655,260
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   1,598,327 75,286 SH   SOLE   0 0 75,286
ISHARES GOLD TR ISHARES NEW 464285204   674,642 19,281 SH   SOLE   0 0 19,281
ISHARES INC MSCI AUST ETF 464286103   1,129,275 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,457,183 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   889,071 4,431 SH   SOLE   0 0 4,431
ISHARES TR CORE S&P TTL STK 464287150   3,542,025 37,605 SH   SOLE   5,039 0 32,566
ISHARES TR CORE S&P500 ETF 464287200   1,515,024 3,528 SH   SOLE   425 0 3,103
ISHARES TR CORE US AGGBD ET 464287226   434,433 4,620 SH   SOLE   1,314 0 3,305
ISHARES TR NORTH AMERN NAT 464287374   1,933,292 46,485 SH   SOLE   0 0 46,485
ISHARES TR RUS 1000 ETF 464287622   5,426,732 23,101 SH   SOLE   54 0 23,047
ISHARES TR NATIONAL MUN ETF 464288414   449,219 4,381 SH   SOLE   0 0 4,381
ISHARES TR 0-5 YR TIPS ETF 46429B747   210,376 2,171 SH   SOLE   0 0 2,171
ISHARES TR CORE MSCI EAFE 46432F842   292,020 4,538 SH   SOLE   3,845 0 693
ISHARES TR INTERNATIONAL SL 46434V266   362,955 12,270 SH   SOLE   0 0 12,270
ISHARES TR IBONDS DEC2023 46435G318   1,865,014 73,066 SH   SOLE   3,581 0 69,485
ISHARES TR IBONDS DEC 26 46435U259   1,670,888 67,347 SH   SOLE   0 0 67,347
ISHARES TR IBONDS DEC 27 46435U283   1,129,233 46,129 SH   SOLE   0 0 46,129
ISHARES TR IBONDS DEC 28 46435U325   1,177,001 48,218 SH   SOLE   0 0 48,218
ISHARES TR IBONDS DEC 25 46435U432   2,208,060 84,665 SH   SOLE   3,443 0 81,222
ISHARES TR ESG AWR US AGRGT 46435U549   1,369,158 30,224 SH   SOLE   0 0 30,224
ISHARES TR IBONDS DEC 46435U697   3,130,291 121,849 SH   SOLE   3,523 0 118,325
ELI LILLY & CO COM 532457108   303,478 565 SH   SOLE   415 0 150
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   211,368 9,464 SH   SOLE   0 0 9,464
MCDONALDS CORP COM 580135101   444,687 1,688 SH   SOLE   0 0 1,688
MICROSOFT CORP COM 594918104   1,243,166 3,937 SH   SOLE   997 0 2,940
PROCTER AND GAMBLE CO COM 742718109   238,719 1,637 SH   SOLE   160 0 1,477
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   423,733 14,497 SH   SOLE   0 0 14,497
SPDR S&P 500 ETF TR TR UNIT 78462F103   39,772,479 93,039 SH   SOLE   954 0 92,086
SPDR GOLD TR GOLD SHS 78463V107   454,514 2,651 SH   SOLE   350 0 2,301
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   241,952 4,479 SH   SOLE   0 0 4,479
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   231,484 6,896 SH   SOLE   0 0 6,896
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,418,514 174,734 SH   SOLE   6,061 0 168,673
SPDR SER TR PORTFOLIO AGRGTE 78464A649   6,641,173 272,850 SH   SOLE   17,079 0 255,771
SPDR SER TR PORTFLI INTRMDIT 78464A672   31,358,706 1,139,074 SH   SOLE   740 0 1,138,334
SPDR SER TR S&P DIVID ETF 78464A763   1,084,964 9,434 SH   SOLE   0 0 9,434
SPDR SER TR PORTFOLI S&P1500 78464A805   9,912,053 188,837 SH   SOLE   0 0 188,837
SPDR SER TR PORTFOLIO S&P400 78464A847   304,855 6,962 SH   SOLE   0 0 6,962
SPDR SER TR PORTFOLIO S&P500 78464A854   2,972,189 59,136 SH   SOLE   0 0 59,136
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,704,195 94,157 SH   SOLE   0 0 94,157
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,062,125 11,567 SH   SOLE   1,320 0 10,247
SPDR SER TR NUVEEN BLMBRG MU 78468R721   246,256 5,635 SH   SOLE   0 0 5,635
SPDR SER TR SPDR MSCI USA GE 78468R747   205,445 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,825,985 15,131 SH   SOLE   0 0 15,131
SPDR SER TR PORTFOLIO S&P600 78468R853   565,793 15,333 SH   SOLE   0 0 15,333
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   565,505 14,097 SH   SOLE   0 0 14,097
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,983,289 98,484 SH   SOLE   0 0 98,484
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,094,057 90,042 SH   SOLE   728 0 89,314
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   403,899 9,751 SH   SOLE   0 0 9,751
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,341,900 33,096 SH   SOLE   0 0 33,096
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   382,723 11,270 SH   SOLE   0 0 11,270
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   291,832 6,598 SH   SOLE   0 0 6,598
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,018,401 42,103 SH   SOLE   0 0 42,103
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   466,684 9,745 SH   SOLE   0 0 9,745
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   404,009 2,465 SH   SOLE   920 0 1,545
SPROTT PHYSICAL GOLD TR UNIT 85207H104   12,708,112 887,438 SH   SOLE   0 0 887,438
VANECK ETF TRUST INFLATION ALLOCA 92189F130   3,564,050 140,705 SH   SOLE   0 0 140,705
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   3,735,065 49,249 SH   SOLE   0 0 49,249
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,182,543 14,046 SH   SOLE   0 0 14,046
VANGUARD WORLD FD ESG US STK ETF 921910733   262,233 3,486 SH   SOLE   0 0 3,486
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   389,734 3,772 SH   SOLE   0 0 3,772
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,234,386 26,108 SH   SOLE   0 0 26,108
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   271,809 6,982 SH   SOLE   0 0 6,982
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,034,775 5,998 SH   SOLE   0 0 5,998
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,133,160 14,977 SH   SOLE   0 0 14,977
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,220,683 5,699 SH   SOLE   0 0 5,699
VANGUARD INDEX FDS MID CAP ETF 922908629   2,397,336 11,512 SH   SOLE   0 0 11,512
VANGUARD INDEX FDS GROWTH ETF 922908736   4,448,758 16,337 SH   SOLE   0 0 16,337
VANGUARD INDEX FDS VALUE ETF 922908744   348,363 2,526 SH   SOLE   1,132 0 1,394
VANGUARD INDEX FDS SMALL CP ETF 922908751   200,414 1,060 SH   SOLE   0 0 1,060
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,181,746 14,979 SH   SOLE   0 0 14,979
WISDOMTREE TR INTL EQUITY FD 97717W703   216,511 4,478 SH   SOLE   0 0 4,478
WISDOMTREE TR GLB US QTLY DIV 97717W844   2,629,751 78,617 SH   SOLE   0 0 78,617
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,157,194 33,977 SH   SOLE   0 0 33,977
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   798,655 15,872 SH   SOLE   0 0 15,872
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,685,602 73,257 SH   SOLE   0 0 73,257