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
JP Morgan USD UltraShort Income ETF ETF 46641Q837   198,243 3,952,216 SH   SOLE 0 3,952,216 0 0
iShares Ultra Short-Term Bond ETF ETF 46434V878   60,025 1,200,254 SH   SOLE 0 1,200,254 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   143,287 401,162 SH   SOLE 0 401,162 0 0
Financial Select Sector SPDR Fund ETF 81369Y605   11,788 388,274 SH   SOLE 0 388,274 0 0
Amphenol Corporation Class A COM 032095101   20,877 311,788 SH   SOLE 0 311,788 0 0
iShares Core MSCI EAFE ETF ETF 46432F842   15,308 290,642 SH   SOLE 0 290,642 0 0
Luminar Technologies, Inc. Class A COM 550424105   1,762 241,874 SH   SOLE 0 241,874 0 0
Industrial Select Sector SPDR Fund ETF 81369Y704   15,598 188,292 SH   SOLE 0 188,292 0 0
Amazon.com, Inc. COM 023135106   19,013 168,254 SH   SOLE 0 168,254 0 0
JPMorgan Chase & Co. COM 46625H100   14,782 141,457 SH   SOLE 0 141,457 0 0
Prologis Incorporated COM 74340W103   14,191 139,675 SH   SOLE 0 139,675 0 0
American Express Company COM 025816109   16,406 121,604 SH   SOLE 0 121,604 0 0
Healthcare Select Sector SPDR ETF ETF 81369Y209   11,922 98,440 SH   SOLE 0 98,440 0 0
Cold Snap Corp. COM 04622D9I4   567 98,285 SH   SOLE 0 98,285 0 0
Apple Inc. COM 037833100   12,316 89,116 SH   SOLE 0 89,116 0 0
Quanta Services Com COM 74762E102   11,101 87,140 SH   SOLE 0 87,140 0 0
Microsoft Corporation COM 594918104   18,762 80,559 SH   SOLE 0 80,559 0 0
Berkshire Hathaway Inc. Class B COM 084670702   21,196 79,379 SH   SOLE 0 79,379 0 0
Waste Management, Inc. COM 94106L109   11,598 72,390 SH   SOLE 0 72,390 0 0
Lowe's Companies, Inc. COM 548661107   13,407 71,386 SH   SOLE 0 71,386 0 0
Vanguard Total Stock Market ETF ETF 922908769   11,773 65,599 SH   SOLE 0 65,599 0 0
Sprott Physical Gold Trust ETF 85207H104   772 60,329 SH   SOLE 0 60,329 0 0
Accenture Plc Class A COM G1151C101   15,096 58,671 SH   SOLE 0 58,671 0 0
Costco Wholesale Corporation COM 22160K105   22,379 47,386 SH   SOLE 0 47,386 0 0
Vertex Pharmaceuticals Incorporated COM 92532F100   12,708 43,891 SH   SOLE 0 43,891 0 0
Eli Lilly and Company COM 532457108   14,011 43,331 SH   SOLE 0 43,331 0 0
Thermo Fisher Scientific Inc. COM 883556102   21,454 42,299 SH   SOLE 0 42,299 0 0
Procter & Gamble Company COM 742718109   5,186 41,075 SH   SOLE 0 41,075 0 0
Alphabet Inc. Class C COM 02079K107   3,586 37,299 SH   SOLE 0 37,299 0 0
Coca-Cola Company COM 191216100   1,855 33,111 SH   SOLE 0 33,111 0 0
Sprott Physical Silver Trust ETF 85207K107   213 32,170 SH   SOLE 0 32,170 0 0
SPDR S&P 500 Fossil Fuel Res Free ETF ETF 78468R796   2,743 31,471 SH   SOLE 0 31,471 0 0
Enterprise Bancorp, Inc. COM 293668109   936 31,306 SH   SOLE 0 31,306 0 0
Technology Select Sector SPDR Fund ETF 81369Y803   3,330 28,035 SH   SOLE 0 28,035 0 0
Alphabet Inc. Class A COM 02079K305   2,460 25,719 SH   SOLE 0 25,719 0 0
Northrop Grumman Corp. COM 666807102   11,805 25,099 SH   SOLE 0 25,099 0 0
iShares S&P 500 Growth ETF ETF 464287309   1,343 23,218 SH   SOLE 0 23,218 0 0
iShares MSCI Global Sus Dev Goals ETF ETF 46435G532   1,544 21,793 SH   SOLE 0 21,793 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   1,148 17,369 SH   SOLE 0 17,369 0 0
iShares Russell 1000 Growth ETF ETF 464287614   3,295 15,659 SH   SOLE 0 15,659 0 0
iShares Russell 1000 Value ETF ETF 464287598   1,923 14,141 SH   SOLE 0 14,141 0 0
Pfizer Inc. COM 717081103   541 12,374 SH   SOLE 0 12,374 0 0
iShares Russell Midcap ETF ETF 464287499   735 11,832 SH   SOLE 0 11,832 0 0
KraneShares Global Carbon Strategy ETF ETF 500767678   398 10,695 SH   SOLE 0 10,695 0 0
PepsiCo, Inc. COM 713448108   1,609 9,857 SH   SOLE 0 9,857 0 0
SPDR MSCI EAFE Fossil Fuel Free ETF ETF 78470E106   511 8,728 SH   SOLE 0 8,728 0 0
Bristol-Myers Squibb Company COM 110122108   610 8,580 SH   SOLE 0 8,580 0 0
Merck & Co Inc COM 58933Y105   736 8,543 SH   SOLE 0 8,543 0 0
Intel Corporation COM 458140100   220 8,541 SH   SOLE 0 8,541 0 0
Johnson & Johnson COM 478160104   1,319 8,074 SH   SOLE 0 8,074 0 0
Cisco Systems, Inc. COM 17275R102   307 7,668 SH   SOLE 0 7,668 0 0
Vanguard S&P 500 ETF ETF 922908363   1,988 6,056 SH   SOLE 0 6,056 0 0
Loews Corporation COM 540424108   299 6,000 SH   SOLE 0 6,000 0 0
Vanguard Total International Stock ETF ETF 921909768   208 4,540 SH   SOLE 0 4,540 0 0
Walmart Inc. COM 931142103   556 4,285 SH   SOLE 0 4,285 0 0
Abbott Laboratories COM 002824100   397 4,104 SH   SOLE 0 4,104 0 0
Exxon Mobil Corporation COM 30231G102   331 3,795 SH   SOLE 0 3,795 0 0
McDonald's Corporation COM 580135101   874 3,787 SH   SOLE 0 3,787 0 0
iShares MSCI USA Quality Factor ETF ETF 46432F339   384 3,698 SH   SOLE 0 3,698 0 0
AbbVie, Inc. COM 00287Y109   462 3,441 SH   SOLE 0 3,441 0 0
Colgate-Palmolive Company COM 194162103   238 3,386 SH   SOLE 0 3,386 0 0
iShares Core S&P Small Cap ETF ETF 464287804   292 3,350 SH   SOLE 0 3,350 0 0
Qualcomm Incorporated COM 747525103   373 3,305 SH   SOLE 0 3,305 0 0
Progressive Corporation COM 743315103   369 3,174 SH   SOLE 0 3,174 0 0
Union Pacific Corporation COM 907818108   599 3,073 SH   SOLE 0 3,073 0 0
Raytheon Technologies Corporation COM 75513E101   241 2,950 SH   SOLE 0 2,950 0 0
iShares Core S&P 500 ETF ETF 464287200   967 2,697 SH   SOLE 0 2,697 0 0
Philip Morris International Inc. COM 718172109   223 2,685 SH   SOLE 0 2,685 0 0
iShares Russell 2000 ETF ETF 464287655   340 2,059 SH   SOLE 0 2,059 0 0
Kellogg Company COM 487836108   143 2,052 SH   SOLE 0 2,052 0 0
Zoetis, Inc. Class A COM 98978V103   295 1,989 SH   SOLE 0 1,989 0 0
Oracle Corporation COM 68389X105   120 1,962 SH   SOLE 0 1,962 0 0
3M Company COM 88579Y101   210 1,898 SH   SOLE 0 1,898 0 0
S&P Global, Inc. COM 78409V104   519 1,700 SH   SOLE 0 1,700 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   229 1,693 SH   SOLE 0 1,693 0 0
Vanguard Value ETF ETF 922908744   209 1,690 SH   SOLE 0 1,690 0 0
Henry Schein, Inc. COM 806407102   108 1,637 SH   SOLE 0 1,637 0 0
General Mills, Inc. COM 370334104   109 1,420 SH   SOLE 0 1,420 0 0
iShares MSCI USA Momentum Factor ETF ETF 46432F396   186 1,420 SH   SOLE 0 1,420 0 0
Lockheed Martin Corporation COM 539830109   536 1,387 SH   SOLE 0 1,387 0 0
IBM Corporation COM 459200101   163 1,372 SH   SOLE 0 1,372 0 0
Danaher Corporation COM 235851102   351 1,360 SH   SOLE 0 1,360 0 0
Automatic Data Processing, Inc. COM 053015103   303 1,338 SH   SOLE 0 1,338 0 0
Lab Corp of America Holdings COM 50540R409   271 1,321 SH   SOLE 0 1,321 0 0
Agilent Technologies, Inc. COM 00846U101   160 1,320 SH   SOLE 0 1,320 0 0
Northern Trust Corporation COM 665859104   110 1,290 SH   SOLE 0 1,290 0 0
Hershey Company COM 427866108   284 1,288 SH   SOLE 0 1,288 0 0
Chubb Limited COM H1467J104   208 1,141 SH   SOLE 0 1,141 0 0
Marsh & McLennan Companies, Inc. COM 571748102   159 1,068 SH   SOLE 0 1,068 0 0
Phillips 66 COM 718546104   82 1,017 SH   SOLE 0 1,017 0 0
Bank of America Corp COM 060505104   30 1,000 SH   SOLE 0 1,000 0 0
Pioneer Natural Resources Company COM 723787107   217 1,000 SH   SOLE 0 1,000 0 0
Sempra Energy COM 816851109   123 818 SH   SOLE 0 818 0 0
Wells Fargo & Company COM 949746101   31 782 SH   SOLE 0 782 0 0
Visa Inc. Class A COM 92826C839   137 773 SH   SOLE 0 773 0 0
Chevron Corporation COM 166764100   104 727 SH   SOLE 0 727 0 0
Caterpillar Inc. COM 149123101   119 724 SH   SOLE 0 724 0 0
BlackRock, Inc. COM 09247X101   304 552 SH   SOLE 0 552 0 0
Cummins Inc. COM 231021106   101 498 SH   SOLE 0 498 0 0
Sherwin-Williams Company COM 824348106   76 370 SH   SOLE 0 370 0 0
Becton, Dickinson and Company COM 075887109   68 303 SH   SOLE 0 303 0 0
Devon Energy Corporation COM 25179M103   18 300 SH   SOLE 0 300 0 0
Invesco FTSE RAFI US 1000 ETF ETF 46137V613   25 183 SH   SOLE 0 183 0 0
MCI Preferred Income COM 457995165   226 45 SH   SOLE 0 45 0 0
Berkshire Hathaway Inc. Class A COM 084670108   2,032 5 SH   SOLE 0 5 0 0