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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 278,101 1,565 SH   SOLE   0 0 1,565
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 358,626 2,969 SH   SOLE   0 0 2,969
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 216,149 1,135 SH   SOLE   0 0 1,135
AMAZON COM INC COM 023135106 BBG001S5PQL7 425,580 1,940 SH   SOLE   0 0 1,940
AMERICAN CENTY ETF TR US SML CP VALU 025072877 BBG00Q9MQZW3 15,100,440 156,433 SH   SOLE   0 0 156,433
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 284,277 958 SH   SOLE   0 0 958
ANALOG DEVICES INC COM 032654105 BBG001S5ND38 1,039,874 4,894 SH   SOLE   0 0 4,894
APPLE INC COM 037833100 BBG001S5N8V8 2,332,151 9,313 SH   SOLE   0 0 9,313
AT&T INC COM 00206R102 BBG001S5VWH2 523,188 22,977 SH   SOLE   0 0 22,977
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 991,323 2,187 SH   SOLE   0 0 2,187
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 BBG013VPCL11 32,782,353 689,384 SH   SOLE   295 0 689,089
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,761,685 4,856 SH   SOLE   0 0 4,856
COCA COLA CO COM 191216100 BBG001S5SMQ8 254,706 4,091 SH   SOLE   0 0 4,091
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 378,423 413 SH   SOLE   0 0 413
CSX CORP COM 126408103 BBG001S5Q7Q3 469,798 14,558 SH   SOLE   0 0 14,558
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 507,676 14,677 SH   SOLE   0 0 14,677
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 230,812 4,147 SH   SOLE   0 0 4,147
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 BBG012G2PD33 2,981,815 119,944 SH   SOLE   0 0 119,944
ECOLAB INC COM 278865100 BBG001S5QRB5 259,861 1,109 SH   SOLE   0 0 1,109
ELEVANCE HEALTH INC COM 036752103 BBG001S6KBQ8 292,169 792 SH   SOLE   0 0 792
ENTERPRISE BANCORP INC MASS COM 293668109 BBG001SB6470 203,171 5,138 SH   SOLE   0 0 5,138
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 500,390 4,652 SH   SOLE   0 0 4,652
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 BBG01K786JL8 269,059 8,830 SH   SOLE   0 0 8,830
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 BBG0078X1341 41,194,697 918,090 SH   SOLE   0 0 918,090
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884 BBG00GKQZJ13 13,857,086 255,148 SH   SOLE   0 0 255,148
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 529,348 3,174 SH   SOLE   0 0 3,174
GE VERNOVA INC COM 36828A101 BBG013G17W77 251,960 766 SH   SOLE   0 0 766
HOME DEPOT INC COM 437076102 BBG001S5RTW7 236,162 607 SH   SOLE   0 0 607
INTUIT COM 461202103 BBG001S6TWR2 835,302 1,329 SH   SOLE   0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 BBG00KJR2CS6 200,662 1,780 SH   SOLE   0 0 1,780
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 978,536 1,914 SH   SOLE   0 0 1,914
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 697,310 9,922 SH   SOLE   0 0 9,922
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 29,955,206 480,745 SH   SOLE   0 0 480,745
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 23,946,478 207,833 SH   SOLE   0 0 207,833
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 506,465 3,938 SH   SOLE   0 0 3,938
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 15,334,352 26,049 SH   SOLE   0 0 26,049
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 514,092 11,374 SH   SOLE   0 0 11,374
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 236,921 2,445 SH   SOLE   0 0 2,445
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 4,034,548 41,666 SH   SOLE   0 0 41,666
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 948,396 15,611 SH   SOLE   0 0 15,611
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 3,025,149 57,655 SH   SOLE   0 0 57,655
ISHARES TR ESG AWARE MSCI 46435U663 BBG00KK87757 433,600 10,312 SH   SOLE   0 0 10,312
ISHARES TR GLOBAL REIT ETF 46434V647 BBG006S5D3J3 645,511 26,930 SH   SOLE   0 0 26,930
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 1,608,298 28,058 SH   SOLE   0 0 28,058
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 402,765 9,631 SH   SOLE   0 0 9,631
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 2,546,301 68,596 SH   SOLE   0 0 68,596
ISHARES TR MSCI USA ESG SLC 464288802 BBG001SN86J4 420,338 3,457 SH   SOLE   0 0 3,457
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 9,040,777 84,850 SH   SOLE   0 0 84,850
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 625,785 1,942 SH   SOLE   0 0 1,942
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 483,030 1,203 SH   SOLE   0 0 1,203
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 268,076 2,640 SH   SOLE   0 0 2,640
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 304,271 2,885 SH   SOLE   0 0 2,885
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 BBG00N6W8XF5 41,231,422 894,973 SH   SOLE   0 0 894,973
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 BBG00M8D2458 263,236 5,191 SH   SOLE   0 0 5,191
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 241,857 1,672 SH   SOLE   0 0 1,672
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 956,044 3,988 SH   SOLE   0 0 3,988
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 364,194 749 SH   SOLE   0 0 749
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 411,271 781 SH   SOLE   0 0 781
MICROSOFT CORP COM 594918104 BBG001S5TD05 781,482 1,854 SH   SOLE   0 0 1,854
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 315,339 2,348 SH   SOLE   0 0 2,348
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 BBG0115QY0G8 13,086,866 352,556 SH   SOLE   0 0 352,556
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 532,780 4,604 SH   SOLE   0 0 4,604
SALESFORCE INC COM 79466L302 BBG001SDLP09 211,646 633 SH   SOLE   0 0 633
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 BBG0051J0PJ9 1,519,350 64,162 SH   SOLE   0 0 64,162
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 219,293 8,027 SH   SOLE   0 0 8,027
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 22,461,816 805,950 SH   SOLE   0 0 805,950
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 8,790,165 337,175 SH   SOLE   0 0 337,175
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 6,824,770 294,425 SH   SOLE   0 0 294,425
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 13,462,646 485,841 SH   SOLE   0 0 485,841
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 2,916,435 112,778 SH   SOLE   0 0 112,778
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 234,826 1,010 SH   SOLE   0 0 1,010
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 253,293 595 SH   SOLE   0 0 595
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 670,012 1,143 SH   SOLE   0 0 1,143
SPDR SER TR NUVEEN BLOOMBERG 78464A284 BBG001V11QG4 3,731,019 145,857 SH   SOLE   0 0 145,857
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 16,852,057 191,719 SH   SOLE   0 0 191,719
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 22,697,352 443,828 SH   SOLE   0 0 443,828
SPRINKLR INC CL A 85208T107 BBG0043NCD14 91,894 10,875 SH   SOLE   0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 BBG002XY88Z0 8,505,634 314,790 SH   SOLE   0 0 314,790
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 BBG00WGK8YP7 15,834,293 376,022 SH   SOLE   0 0 376,022
TESLA INC COM 88160R101 BBG001SQKGD7 221,708 549 SH   SOLE   0 0 549
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 283,890 1,514 SH   SOLE   0 0 1,514
UNDER ARMOUR INC CL A 904311107 BBG001SJLLQ7 465,519 19,945 SH Call SOLE   0 0 19,945
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 202,105 400 SH   SOLE   0 0 400
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 BBG002XRNHT5 35,409,219 381,873 SH   SOLE   0 0 381,873
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 1,419,366 3,458 SH   SOLE   0 0 3,458
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 2,017,440 7,638 SH   SOLE   0 0 7,638
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 862,820 1,601 SH   SOLE   0 0 1,601
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 1,700,723 7,078 SH   SOLE   0 0 7,078
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 856,238 2,954 SH   SOLE   0 0 2,954
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 294,784 1,741 SH   SOLE   0 0 1,741
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 344,545 7,205 SH   SOLE   0 0 7,205
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 317,015 7,927 SH   SOLE   0 0 7,927
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,131,134 3,579 SH   SOLE   0 0 3,579