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
MEDTRONIC PLC SHS G5960L103 275 2,215 SH   SOLE   2,215 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 8,693 74,853 SH   SOLE   74,853 0 0
ARK ETF TR GENOMIC REV ETF 00214Q302 369 3,987 SH   SOLE   3,987 0 0
ABBOTT LABS COM 002824100 543 4,685 SH   SOLE   4,685 0 0
ABIOMED INC COM 003654100 395 1,267 SH   SOLE   1,267 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 3,595 6,139 SH   SOLE   6,139 0 0
AIRBNB INC COM CL A 009066101 2,307 15,062 SH   SOLE   15,062 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 4,831 21,302 SH   SOLE   21,302 0 0
ALPHABET INC CAP STK CL C 02079K107 17,587 7,017 SH   SOLE   7,017 0 0
ALPHABET INC CAP STK CL A 02079K305 3,712 1,520 SH   SOLE   1,520 0 0
AMAZON COM INC COM 023135106 1,245 362 SH   SOLE   362 0 0
AMGEN INC COM 031162100 12,112 49,691 SH   SOLE   49,691 0 0
APPLE INC COM 037833100 25,124 183,438 SH   SOLE   183,438 0 0
APPLIED MATLS INC COM 038222105 376 2,640 SH   SOLE   2,640 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 318 1,602 SH   SOLE   1,602 0 0
BK OF AMERICA CORP COM 060505104 347 8,417 SH   SOLE   8,417 0 0
BANK OZK COM 06417N103 20,435 484,691 SH   SOLE   484,691 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 18,817 67,707 SH   SOLE   67,707 0 0
BOOKING HOLDINGS INC COM 09857L108 1,783 815 SH   SOLE   815 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 3,483 40,894 SH   SOLE   40,894 0 0
CDW CORP COM 12514G108 14,591 83,541 SH   SOLE   83,541 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889 104 12,337 SH   SOLE   12,337 0 0
CHEMED CORP NEW COM 16359R103 10,829 22,822 SH   SOLE   22,822 0 0
CHEVRON CORP NEW COM 166764100 438 4,180 SH   SOLE   4,180 0 0
CINTAS CORP COM 172908105 11,767 30,803 SH   SOLE   30,803 0 0
CITIGROUP INC COM NEW 172967424 728 10,291 SH   SOLE   10,291 0 0
COCA COLA CO COM 191216100 316 5,842 SH   SOLE   5,842 0 0
COMCAST CORP NEW CL A 20030N101 218 3,822 SH   SOLE   3,822 0 0
COSTCO WHSL CORP NEW COM 22160K105 250 631 SH   SOLE   631 0 0
DANAHER CORPORATION COM 235851102 204 762 SH   SOLE   762 0 0
DISNEY WALT CO COM DISNEY 254687106 14,352 81,655 SH   SOLE   81,655 0 0
DOMINION ENERGY INC COM 25746U109 206 2,802 SH   SOLE   2,802 0 0
EASTERN BANKSHARES INC COM 27627N105 730 35,500 SH   SOLE   35,500 0 0
EBAY INC COM 278642103 16,922 241,017 SH   SOLE   241,017 0 0
ECOLAB INC COM 278865100 4,491 21,805 SH   SOLE   21,805 0 0
ENTERPRISE BANCORP INC MASS COM 293668109 239 7,308 SH   SOLE   7,308 0 0
EXXON MOBIL CORP COM 30231G102 912 14,464 SH   SOLE   14,464 0 0
FACEBOOK INC CL A 30303M102 2,699 7,761 SH   SOLE   7,761 0 0
FEDEX CORP COM 31428X106 18,138 60,798 SH   SOLE   60,798 0 0
FIRST REP BK SAN FRANCISCO C COM 33616C100 20,972 112,048 SH   SOLE   112,048 0 0
FIRST TR EXCHANGE-TRADED FD NAS CLNEDG GREEN 33733E500 239 3,456 SH   SOLE   3,456 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 4,397 165,972 SH   SOLE   165,972 0 0
FRANKLIN TEMPLETON ETF TR FTSE UNTD KGDM 35473P678 1,903 76,873 SH   SOLE   76,873 0 0
FREEPORT-MCMORAN INC CL B 35671D857 3,581 96,499 SH   SOLE   96,499 0 0
GALLAGHER ARTHUR J & CO COM 363576109 1,800 12,847 SH   SOLE   12,847 0 0
GENERAC HLDGS INC COM 368736104 8,836 21,285 SH   SOLE   21,285 0 0
GENERAL DYNAMICS CORP COM 369550108 359 1,908 SH   SOLE   1,908 0 0
GENERAL ELECTRIC CO COM 369604103 239 17,785 SH   SOLE   17,785 0 0
HDFC BANK LTD SPONSORED ADS 40415F101 22,003 300,912 SH   SOLE   300,912 0 0
HEXCEL CORP NEW COM 428291108 7,767 124,465 SH   SOLE   124,465 0 0
HOME DEPOT INC COM 437076102 11,500 36,064 SH   SOLE   36,064 0 0
HONEYWELL INTL INC COM 438516106 251 1,146 SH   SOLE   1,146 0 0
IDEX CORP COM 45167R104 8,608 39,119 SH   SOLE   39,119 0 0
IDEXX LABS INC COM 45168D104 2,455 3,888 SH   SOLE   3,888 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 632 1,782 SH   SOLE   1,782 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 3,501 23,227 SH   SOLE   23,227 0 0
INVESCO EXCH TRADED FD TR II GBL SRT TRM HY 46138E669 9,663 437,614 SH   SOLE   437,614 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 6,894 77,175 SH   SOLE   77,175 0 0
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870 276 10,513 SH   SOLE   10,513 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 384 18,211 SH   SOLE   18,211 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 610 28,338 SH   SOLE   28,338 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 719 32,248 SH   SOLE   32,248 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 250 11,573 SH   SOLE   11,573 0 0
ISHARES INC MSCI FRONTIER 464286145 5,178 156,023 SH   SOLE   156,023 0 0
ISHARES TR CORE S&P500 ETF 464287200 1,368 3,183 SH   SOLE   3,183 0 0
ISHARES TR IBOXX INV CP ETF 464287242 1,129 8,403 SH   SOLE   8,403 0 0
ISHARES TR S&P 500 VAL ETF 464287408 497 3,366 SH   SOLE   3,366 0 0
ISHARES TR MSCI EAFE ETF 464287465 236 2,994 SH   SOLE   2,994 0 0
ISHARES TR ISHARES BIOTECH 464287556 380 2,320 SH   SOLE   2,320 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 255 1,111 SH   SOLE   1,111 0 0
ISHARES TR MBS ETF 464288588 17,797 164,438 SH   SOLE   164,438 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 923 16,848 SH   SOLE   16,848 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 288 5,662 SH   SOLE   5,662 0 0
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 380 7,569 SH   SOLE   7,569 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 2,873 21,620 SH   SOLE   21,620 0 0
ISHARES TR MSCI USA VALUE 46432F388 1,141 10,857 SH   SOLE   10,857 0 0
ISHARES TR MSCI USA MMENTM 46432F396 9,975 57,517 SH   SOLE   57,517 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,928 39,107 SH   SOLE   39,107 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,013 15,126 SH   SOLE   15,126 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 705 15,615 SH   SOLE   15,615 0 0
ISHARES TR MSCI INTL MULTFT 46434V274 643 21,397 SH   SOLE   21,397 0 0
ISHARES TR MSCI INTL MOMENT 46434V449 6,020 155,646 SH   SOLE   155,646 0 0
JPMORGAN CHASE & CO COM 46625H100 18,378 118,159 SH   SOLE   118,159 0 0
JOHNSON & JOHNSON COM 478160104 1,183 7,180 SH   SOLE   7,180 0 0
KB FINL GROUP INC SPONSORED ADR 48241A105 207 4,195 SH   SOLE   4,195 0 0
LAUDER ESTEE COS INC CL A 518439104 268 844 SH   SOLE   844 0 0
LILLY ELI & CO COM 532457108 658 2,865 SH   SOLE   2,865 0 0
LOWES COS INC COM 548661107 875 4,509 SH   SOLE   4,509 0 0
MAGNA INTL INC COM 559222401 4,369 47,157 SH   SOLE   47,157 0 0
MATCH GROUP INC NEW COM 57667L107 3,296 20,442 SH   SOLE   20,442 0 0
MCDONALDS CORP COM 580135101 357 1,546 SH   SOLE   1,546 0 0
MERCADOLIBRE INC COM 58733R102 17,907 11,495 SH   SOLE   11,495 0 0
MICROSOFT CORP COM 594918104 1,883 6,950 SH   SOLE   6,950 0 0
NEW ORIENTAL ED & TECHNOLOGY SPON ADR 647581107 123 15,030 SH   SOLE   15,030 0 0
NEWMONT CORP COM 651639106 13,215 208,503 SH   SOLE   208,503 0 0
NEXTERA ENERGY INC COM 65339F101 2,616 35,695 SH   SOLE   35,695 0 0
NIKE INC CL B 654106103 260 1,681 SH   SOLE   1,681 0 0
NOVO-NORDISK A S ADR 670100205 7,166 85,543 SH   SOLE   85,543 0 0
NVIDIA CORPORATION COM 67066G104 1,403 1,753 SH   SOLE   1,753 0 0
OMNICOM GROUP INC COM 681919106 15,503 193,809 SH   SOLE   193,809 0 0
ORACLE CORP COM 68389X105 1,617 20,776 SH   SOLE   20,776 0 0
POSCO SPONSORED ADR 693483109 257 3,349 SH   SOLE   3,349 0 0
PAYCOM SOFTWARE INC COM 70432V102 4,787 13,169 SH   SOLE   13,169 0 0
PAYCHEX INC COM 704326107 238 2,214 SH   SOLE   2,214 0 0
PEPSICO INC COM 713448108 533 3,594 SH   SOLE   3,594 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 695 6,951 SH   SOLE   6,951 0 0
PROCTER AND GAMBLE CO COM 742718109 1,372 10,168 SH   SOLE   10,168 0 0
RPM INTL INC COM 749685103 338 3,806 SH   SOLE   3,806 0 0
ROCKWELL AUTOMATION INC COM 773903109 13,475 47,113 SH   SOLE   47,113 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 4,133 24,954 SH   SOLE   24,954 0 0
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 668 9,522 SH   SOLE   9,522 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 920 20,212 SH   SOLE   20,212 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,693 27,614 SH   SOLE   27,614 0 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,366 64,305 SH   SOLE   64,305 0 0
SPDR SER TR PORTFOLI S&P1500 78464A805 2,297 43,364 SH   SOLE   43,364 0 0
SPDR SER TR BLOMBERG BRC INV 78468R200 7,536 245,875 SH   SOLE   245,875 0 0
SPDR SER TR S&P KENSHO NEW 78468R648 576 8,621 SH   SOLE   8,621 0 0
SALESFORCE COM INC COM 79466L302 3,922 16,057 SH   SOLE   16,057 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 610 5,850 SH   SOLE   5,850 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,964 124,686 SH   SOLE   124,686 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 578 3,961 SH   SOLE   3,961 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,386 32,504 SH   SOLE   32,504 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 9,902 301,149 SH   SOLE   301,149 0 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 10,637 329,825 SH   SOLE   329,825 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,277 58,021 SH   SOLE   58,021 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 21,063 632,891 SH   SOLE   632,891 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 4,384 80,596 SH   SOLE   80,596 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 11,817 215,945 SH   SOLE   215,945 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 5,640 142,968 SH   SOLE   142,968 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 496 9,092 SH   SOLE   9,092 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 825 16,116 SH   SOLE   16,116 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 447 7,153 SH   SOLE   7,153 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,290 55,040 SH   SOLE   55,040 0 0
SERVICENOW INC COM 81762P102 3,644 6,631 SH   SOLE   6,631 0 0
SHERWIN WILLIAMS CO COM 824348106 2,889 10,603 SH   SOLE   10,603 0 0
SIMON PPTY GROUP INC NEW COM 828806109 228 1,745 SH   SOLE   1,745 0 0
SONY CORP SPONSORED ADR 835699307 14,653 150,715 SH   SOLE   150,715 0 0
STRYKER CORPORATION COM 863667101 326 1,255 SH   SOLE   1,255 0 0
SYSCO CORP COM 871829107 10,478 134,770 SH   SOLE   134,770 0 0
TJX COS INC NEW COM 872540109 13,568 201,247 SH   SOLE   201,247 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 15,519 129,149 SH   SOLE   129,149 0 0
TESLA INC COM 88160R101 7,348 10,811 SH   SOLE   10,811 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 522 1,035 SH   SOLE   1,035 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 2,052 29,298 SH   SOLE   29,298 0 0
TYLER TECHNOLOGIES INC COM 902252105 2,237 4,944 SH   SOLE   4,944 0 0
UNION PAC CORP COM 907818108 207 942 SH   SOLE   942 0 0
UNITED MICROELECTRONICS CORP SPON ADR NEW 910873405 546 57,751 SH   SOLE   57,751 0 0
UNITED PARCEL SERVICE INC CL B 911312106 548 2,633 SH   SOLE   2,633 0 0
UNITEDHEALTH GROUP INC COM 91324P102 510 1,273 SH   SOLE   1,273 0 0
VALE S A SPONSORED ADS 91912E105 4,281 187,679 SH   SOLE   187,679 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 2,537 74,673 SH   SOLE   74,673 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 10,337 197,238 SH   SOLE   197,238 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 232 1,671 SH   SOLE   1,671 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,735 45,160 SH   SOLE   45,160 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,456 6,465 SH   SOLE   6,465 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 12,202 217,781 SH   SOLE   217,781 0 0
VISA INC COM CL A 92826C839 13,531 57,868 SH   SOLE   57,868 0 0
WALMART INC COM 931142103 287 2,037 SH   SOLE   2,037 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104 358 10,400 SH   SOLE   10,400 0 0
WISDOMTREE TR US MULTIFACTOR 97717Y857 2,218 56,403 SH   SOLE   56,403 0 0
WORLD GOLD TR SPDR GLD MINIS 98149E204 1,482 84,184 SH   SOLE   84,184 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 291 550 SH   SOLE   550 0 0