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
3M Co COM 88579y101   439,387 3,664 SH   SOLE   57 0 3,607
Abbott Laboratories COM 002824100   1,553,032 14,145 SH   SOLE   1,473 0 12,672
AbbVie Inc COM 00287y109   4,005,827 24,787 SH   SOLE   2,615 0 22,172
Adobe Inc COM 00724f101   1,314,823 3,907 SH   SOLE   1,434 0 2,473
Aflac Inc COM 001055102   402,864 5,600 SH   SOLE   5,400 0 200
Air Prods & Chems Inc COM 009158106   1,562,262 5,068 SH   SOLE   2,380 0 2,688
Alnylam Pharmaceuticals Inc CO COM 02043q107   261,415 1,100 SH   SOLE   0 0 1,100
Alphabet Inc Cap Stock Cl A COM 02079k305   8,050,635 91,246 SH   SOLE   7,540 0 83,706
Alphabet Inc Cap Stock Cl C COM 02079k107   5,853,968 65,975 SH   SOLE   2,980 0 62,995
Amazon.com Inc COM 023135106   3,757,152 44,728 SH   SOLE   5,940 0 38,788
American States Water Co COM 029899101   277,650 3,000 SH   SOLE   0 0 3,000
Amgen Inc COM 031162100   2,004,219 7,631 SH   SOLE   0 0 7,631
Amphenol Corp Cl A COM 032095101   7,095,791 93,194 SH   SOLE   0 0 93,194
Apple Inc. COM 037833100   24,127,078 185,693 SH   SOLE   16,226 0 169,467
Ares Capital Corp COM 04010l103   4,040,637 218,768 SH   SOLE   0 0 218,768
AT&T Inc COM 00206r102   498,816 27,095 SH   SOLE   472 0 26,623
Automatic Data Processing Inc COM 053015103   1,919,479 8,036 SH   SOLE   34 0 8,002
Bank America Corp COM 060505104   736,818 22,247 SH   SOLE   66 0 22,181
Bar Harbor Bankshares COM COM 066849100   240,076 7,493 SH   SOLE   0 0 7,493
Becton Dickinson & Co COM 075887109   391,876 1,541 SH   SOLE   44 0 1,497
Berkshire Hathaway Inc Cl B COM 084670702   2,009,086 6,504 SH   SOLE   2,040 0 4,464
Berkshire Hills Bancorp Inc COM 084680107   339,963 11,370 SH   SOLE   0 0 11,370
BlackRock Inc COM 09247x101   3,646,610 5,146 SH   SOLE   889 0 4,257
Blackstone Inc COM 09260d107   244,827 3,300 SH   SOLE   0 0 3,300
Blue Foundry Bancorp COM COM 09549b104   221,341 17,225 SH   SOLE   0 0 17,225
Boeing Co COM 097023105   532,136 2,794 SH   SOLE   0 0 2,794
Bristol-Myers Squibb Co COM 110122108   513,325 7,134 SH   SOLE   90 0 7,044
Broadcom Inc COM 11135f101   544,033 973 SH   SOLE   107 0 866
Brown & Brown Inc COM 115236101   284,850 5,000 SH   SOLE   0 0 5,000
Carrier Global Corporation COM 14448c104   298,155 7,228 SH   SOLE   0 0 7,228
Caterpillar Inc COM 149123101   1,673,517 6,986 SH   SOLE   2,537 0 4,449
Chevron Corp COM 166764100   4,634,252 25,819 SH   SOLE   4,165 0 21,654
Chubb Limited COM h1467j104   459,289 2,082 SH   SOLE   56 0 2,026
Cincinnati Financial Corp COM 172062101   204,780 2,000 SH   SOLE   2,000 0 0
Cisco Systems Inc COM 17275r102   386,922 8,122 SH   SOLE   0 0 8,122
CME Group Inc Cl A COM 12572q105   598,481 3,559 SH   SOLE   50 0 3,509
Cna Financial Corp COM COM 126117100   348,007 8,231 SH   SOLE   249 0 7,982
Coca-Cola Co COM 191216100   213,730 3,360 SH   SOLE   0 0 3,360
Coherent Corp COM COM 19247g107   1,214,846 34,611 SH   SOLE   500 0 34,111
Comcast Corp Cl A COM 20030n101   450,449 12,881 SH   SOLE   0 0 12,881
ConocoPhillips COM 20825c104   997,454 8,453 SH   SOLE   80 0 8,373
Consolidated Edison Inc COM 209115104   244,280 2,563 SH   SOLE   83 0 2,480
Constellation Brands Inc Cl A COM 21036p108   211,508 913 SH   SOLE   0 0 913
Costco Wholesale Corp COM 22160k105   5,432,947 11,901 SH   SOLE   1,763 0 10,138
CSX Corp COM 126408103   607,363 19,605 SH   SOLE   0 0 19,605
CVS Health Corp COM 126650100   245,835 2,638 SH   SOLE   0 0 2,638
Danaher Corp COM 235851102   2,065,427 7,782 SH   SOLE   0 0 7,782
Deere & Co COM 244199105   382,454 892 SH   SOLE   0 0 892
Disney Walt Co Disney COM 254687106   2,533,776 29,164 SH   SOLE   4,392 0 24,772
Dow Inc COM 260557103   271,602 5,390 SH   SOLE   116 0 5,274
Eastern Bankshares Inc COM COM 27627n105   1,016,646 58,936 SH   SOLE   0 0 58,936
Ecolab Inc COM 278865100   307,132 2,110 SH   SOLE   0 0 2,110
Enbridge Inc COM 29250n105   322,028 8,236 SH   SOLE   172 0 8,064
Exxon Mobil Corp COM 30231g102   1,075,204 9,748 SH   SOLE   4,375 0 5,373
FedEx Corp COM 31428x106   1,942,438 11,215 SH   SOLE   0 0 11,215
Flow Beverage Corp COM SUB VTG COM 34344j102   1,609 12,325 SH   SOLE   0 0 12,325
General Mills Inc COM 370334104   402,010 4,794 SH   SOLE   129 0 4,665
Gilead Sciences Inc COM 375558103   737,313 8,588 SH   SOLE   191 0 8,397
Goldman Sachs Group Inc COM 38141g104   1,628,308 4,742 SH   SOLE   1,838 0 2,904
Hershey Co COM 427866108   1,694,126 7,316 SH   SOLE   0 0 7,316
Home Depot Inc COM 437076102   3,261,837 10,327 SH   SOLE   600 0 9,727
Illinois Tool Works Inc COM 452308109   459,766 2,087 SH   SOLE   42 0 2,045
Intel Corp COM 458140100   215,722 8,162 SH   SOLE   2 0 8,160
International Business Machs C COM 459200101   362,792 2,575 SH   SOLE   55 0 2,520
Johnson & Johnson COM 478160104   4,159,262 23,545 SH   SOLE   67 0 23,478
JPMorgan Chase & Co COM 46625h100   1,564,625 11,668 SH   SOLE   1,296 0 10,372
KeyCorp COM 493267108   2,273,676 130,521 SH   SOLE   0 0 130,521
Kimberly Clark Corp COM 494368103   312,496 2,302 SH   SOLE   66 0 2,236
Lilly Eli & Co COM 532457108   989,231 2,704 SH   SOLE   859 0 1,845
Linde PLC COM g5494j103   253,442 777 SH   SOLE   24 0 753
Lockheed Martin Corp COM 539830109   753,087 1,548 SH   SOLE   22 0 1,526
Lowes Cos Inc COM 548661107   219,886 1,104 SH   SOLE   280 0 824
Lululemon Athletica Inc COM 550021109   1,701,859 5,312 SH   SOLE   1,944 0 3,368
M & T Bank Corp COM 55261f104   2,191,857 15,110 SH   SOLE   0 0 15,110
Marathon Oil Corp COM 565849106   1,133,556 41,875 SH   SOLE   0 0 41,875
Marathon Petroleum Corp COM 56585a102   338,695 2,910 SH   SOLE   0 0 2,910
MasterCard Incorporated Cl A COM 57636q104   1,144,032 3,290 SH   SOLE   0 0 3,290
Matinas Biopharma Holdings Inc COM 576810105   5,000 10,000 SH   SOLE   0 0 10,000
McDonalds Corp COM 580135101   1,711,042 6,493 SH   SOLE   35 0 6,458
Medtronic PLC COM g5960l103   442,382 5,692 SH   SOLE   4,750 0 942
Merck & Co Inc COM 58933y105   4,180,780 37,682 SH   SOLE   8,302 0 29,380
Meta Platforms, Inc COM 30303m102   289,057 2,402 SH   SOLE   43 0 2,359
Microsoft Corp COM 594918104   7,278,420 30,350 SH   SOLE   3,996 0 26,354
Morgan Stanley COM 617446448   302,076 3,553 SH   SOLE   0 0 3,553
Nestle S A COM 641069406   371,625 3,222 SH   SOLE   0 0 3,222
Nextera Energy Inc COM 65339f101   1,509,404 18,055 SH   SOLE   120 0 17,935
Nike Inc Cl B COM 654106103   309,842 2,648 SH   SOLE   323 0 2,325
Northrop Grumman Corp COM 666807102   1,838,160 3,369 SH   SOLE   1,369 0 2,000
NVIDIA Corp COM 67066g104   1,566,368 10,718 SH   SOLE   2,527 0 8,191
OPKO Health Inc COM 68375n103   19,712 15,770 SH   SOLE   0 0 15,770
Oracle Corp COM 68389x105   373,524 4,570 SH   SOLE   904 0 3,666
Otis Worldwide Corp COM 68902v107   281,055 3,589 SH   SOLE   0 0 3,589
Palantir Technologies Inc Cl A COM 69608a108   258,957 40,336 SH   SOLE   0 0 40,336
Paypal Holdings Inc COM 70450y103   710,063 9,970 SH   SOLE   0 0 9,970
PepsiCo Inc COM 713448108   13,548,777 74,996 SH   SOLE   3,810 0 71,186
Pfizer Inc COM 717081103   746,314 14,565 SH   SOLE   2,924 0 11,641
Philip Morris Intl Inc COM 718172109   258,799 2,557 SH   SOLE   375 0 2,182
Phillips 66 COM 718546104   215,446 2,070 SH   SOLE   0 0 2,070
Pioneer Natural Resources Co COM 723787107   335,733 1,470 SH   SOLE   392 0 1,078
Plug Power Inc COM 72919p202   362,763 29,326 SH   SOLE   0 0 29,326
PPL Corp COM 69351t106   292,755 10,019 SH   SOLE   7,519 0 2,500
Procter And Gamble Co COM 742718109   1,926,414 12,711 SH   SOLE   5,124 0 7,587
Qualcomm Inc COM 747525103   452,764 4,118 SH   SOLE   0 0 4,118
Raytheon Technologies Corp COM 75513e101   1,675,676 16,604 SH   SOLE   671 0 15,933
Renaissancere Holdings Ltd COM COM g7496g103   368,460 2,000 SH   SOLE   0 0 2,000
ResMed Inc COM 761152107   1,360,130 6,535 SH   SOLE   2,224 0 4,311
Rightscorp Inc COM 76658a102   3,000 200,000 SH   SOLE   0 0 200,000
Royal Mines & Minerals Corp COM 78033p101   45 50,000 SH   SOLE   50,000 0 0
Sap SE Sp ADR COM 803054204   787,959 7,636 SH   SOLE   0 0 7,636
Sea Ltd Sponsord ADS COM 81141r100   299,901 5,764 SH   SOLE   1,376 0 4,388
Shell Plc SPON ADS COM 780259305   724,973 12,730 SH   SOLE   0 0 12,730
Skyx Platforms Corp Com COM 78471e105   847,688 336,384 SH   SOLE   0 0 336,384
Sorrento Therapeutics Inc COM 83587f202   18,990 21,433 SH   SOLE   0 0 21,433
Starbucks Corp COM 855244109   678,574 6,840 SH   SOLE   0 0 6,840
Starwood Property Trust Inc COM 85571b105   949,795 51,816 SH   SOLE   373 0 51,443
Target Corp COM 87612e106   646,294 4,336 SH   SOLE   275 0 4,061
Tesla Inc COM 88160r101   208,790 1,695 SH   SOLE   0 0 1,695
Texas Instruments Inc COM 882508104   537,461 3,253 SH   SOLE   17 0 3,236
Thermo Fisher Scientific Inc COM 883556102   2,135,025 3,877 SH   SOLE   1,088 0 2,789
TJX Cos Inc COM 872540109   3,822,472 48,021 SH   SOLE   9,291 0 38,730
Toronto Dominion Bank Ont COM COM 891160509   371,981 5,744 SH   SOLE   0 0 5,744
Travelers Companies Inc COM 89417e109   509,973 2,720 SH   SOLE   68 0 2,652
Union Pacific Corp COM 907818108   1,238,693 5,982 SH   SOLE   2,004 0 3,978
United Rentals Inc COM 911363109   1,588,372 4,469 SH   SOLE   1,850 0 2,619
UnitedHealth Group Inc COM 91324p102   6,049,884 11,411 SH   SOLE   329 0 11,082
US Bancorp Del COM 902973304   388,783 8,915 SH   SOLE   998 0 7,917
Verizon Communications Inc COM 92343v104   586,374 14,883 SH   SOLE   174 0 14,709
Visa Inc Cl A COM 92826c839   5,133,957 24,711 SH   SOLE   3,601 0 21,110
Wal-Mart Inc COM 931142103   3,358,933 23,689 SH   SOLE   0 0 23,689
Walgreens Boots Alliance Inc COM 931427108   250,237 6,698 SH   SOLE   190 0 6,508
Waste Management Inc COM 94106l109   456,271 2,908 SH   SOLE   0 0 2,908
Watsco Inc COM 942622200   252,393 1,012 SH   SOLE   32 0 980
Zebra Technologies Corp Cl A COM 989207105   1,119,486 4,366 SH   SOLE   1,802 0 2,564
Zoetis Inc Cl A COM 98978v103   3,178,963 21,692 SH   SOLE   3,327 0 18,365
Aberdeen Std Gold ETF Tr Physc ETF 00326a104   350,273 20,050 SH   SOLE   0 0 20,050
Ark ETF Tr Innovation ETF ETF 00214q104   243,610 7,798 SH   SOLE   0 0 7,798
First Trust Exchng Traded Fund ETF 33740f854   3,116,295 100,138 SH   SOLE   3,062 0 97,076
First Trust Global Tactical Co ETF 33739h101   6,992,262 285,515 SH   SOLE   14,291 0 271,224
Invesco Exchange-Traded Fund T ETF 46138g870   271,005 12,104 SH   SOLE   0 0 12,104
Invesco Exchange Traded Fund T ETF 46137v266   564,615 3,724 SH   SOLE   0 0 3,724
Invesco Exchange Traded Fund T ETF 46137v241   1,448,992 32,932 SH   SOLE   0 0 32,932
Invesco Exchng Traded Fund Tr ETF 46138g102   817,788 18,313 SH   SOLE   3,131 0 15,182
Invesco QQQ Ser 1 ETF 46090e103   20,836,676 78,251 SH   SOLE   0 0 78,251
IShares Core S&P 500 ETF ETF 464287200   671,599 1,748 SH   SOLE   1,170 0 578
iShares Core S&P Mcp ETF ETF 464287507   1,204,128 4,978 SH   SOLE   0 0 4,978
Ishares Gold Tr Ishares New ETF 464285204   1,420,369 41,063 SH   SOLE   0 0 41,063
iShares Intl Quality Factor ETF 46434v456   1,437,015 44,366 SH   SOLE   163 0 44,203
iShares Min Vol USA ETF ETF 46429b697   389,792 5,406 SH   SOLE   0 0 5,406
iShares MSCI EAFE ETF ETF 464287465   1,101,244 16,777 SH   SOLE   1,456 0 15,321
iShares MSCI Emerg Mkt ETF ETF 464287234   2,984,861 78,756 SH   SOLE   6,473 0 72,283
iShares NASDAQ Biotech ETF 464287556   3,356,429 25,565 SH   SOLE   0 0 25,565
iShares Rus 2000 Growth ETF ETF 464287648   239,619 1,117 SH   SOLE   0 0 1,117
iShares Rus Mid Cap ETF ETF 464287499   689,609 10,224 SH   SOLE   0 0 10,224
iShares Russell 1000 Growth ET ETF 464287614   11,374,266 53,091 SH   SOLE   16,220 0 36,871
iShares Russell 1000 Val ETF ETF 464287598   4,768,179 31,442 SH   SOLE   16,695 0 14,747
iShares S&P Mc 400Gr ETF ETF 464287606   685,183 10,032 SH   SOLE   285 0 9,747
iShares S&P Smallcap ETF ETF 464287804   577,115 6,098 SH   SOLE   0 0 6,098
iShares Select Div ETF ETF 464287168   234,588 1,945 SH   SOLE   0 0 1,945
iShares US Real Estate ETF ETF 464287739   715,447 8,498 SH   SOLE   1,831 0 6,667
iShares USA Quality Fctr ETF 46432f339   7,013,782 61,546 SH   SOLE   20,585 0 40,961
JPMorgan Equity Premium Income ETF 46641q332   9,045,612 166,005 SH   SOLE   1,997 0 164,008
Lattice Strategies Tr Hartford ETF 518416102   798,395 32,206 SH   SOLE   21,715 0 10,491
ProShares S&P 500 Dv Arist ETF 74348a467   596,893 6,633 SH   SOLE   0 0 6,633
ProShares Short S&P 500 Ne ETF 74347b425   9,805,256 611,682 SH   SOLE   0 0 611,682
Select Sector SPDR Financial ETF 81369y605   297,745 8,706 SH   SOLE   0 0 8,706
SPDR Gold Trust Gold ETF 78463v107   909,949 5,364 SH   SOLE   0 0 5,364
Spdr NYSE TECH ETF ETF 78464a102   269,880 2,786 SH   SOLE   349 0 2,437
SPDR Portfolio Devlpd ETF 78463x889   328,431 11,062 SH   SOLE   10,106 0 956
SPDR Portfolio Emg MK ETF 78463x509   497,333 15,089 SH   SOLE   3,860 0 11,229
SPDR Portfolio Tl Stock ETF 78464a805   457,578 9,676 SH   SOLE   8,635 0 1,041
SPDR S&P 500 ETF Tr ETF 78462f103   46,231,963 120,890 SH   SOLE   0 0 120,890
SPDR S&P Dividend ETF ETF 78464a763   2,089,946 16,705 SH   SOLE   2,250 0 14,455
SPDR S&P Mid Cap 400 ETF ETF 78467y107   9,378,292 21,180 SH   SOLE   0 0 21,180
SSGA SPDR ETFS Europe I PLC UC ETF g8t03h146   382,840 1,000 SH   SOLE   0 0 1,000
Technology Select Sector SPDR ETF 81369y803   316,142 2,541 SH   SOLE   0 0 2,541
Vaneck ETF BDC Income ETF 92189f411   1,477,260 104,400 SH   SOLE   0 0 104,400
Vaneck ETF Gold Miners ETF 92189f106   210,336 7,339 SH   SOLE   0 0 7,339
Vanguard FTSE Emerg Mkt ETF ETF 922042858   1,635,640 41,961 SH   SOLE   0 0 41,961
Vanguard Health Care ETF ETF 92204a504   1,860,823 7,502 SH   SOLE   0 0 7,502
Vanguard High Div Yield ETF 921946406   14,804,975 136,817 SH   SOLE   26,363 0 110,454
Vanguard Index Funds EXTEND MK ETF 922908652   1,679,483 12,641 SH   SOLE   3,069 0 9,572
Vanguard S&P 500 ETF ETF 922908363   549,849 1,565 SH   SOLE   0 0 1,565
Vanguard Small Cap Val ETF ETF 922908611   2,691,660 16,950 SH   SOLE   13,757 0 3,193
Vanguard Total Stock Mkt ETF 922908769   452,929 2,369 SH   SOLE   0 0 2,369
Vanguard Value ETF ETF 922908744   14,444,786 102,905 SH   SOLE   1,044 0 101,861
Fidelity Total Bond ETF ETF 316188309   1,488,451 33,062 SH   SOLE   8,495 0 24,567
iShares 20 Yr Tr Bond ETF ETF 464287432   1,735,928 17,436 SH   SOLE   4,017 0 13,419
iShares Core US Aggbd Et ETF 464287226   1,548,154 15,962 SH   SOLE   90 0 15,872
iShares GNMA Bond ETF ETF 46429b333   340,731 7,832 SH   SOLE   340 0 7,492
iShares iBoxx Inv Cp ETF ETF 464287242   333,791 3,166 SH   SOLE   0 0 3,166
iShares Sh Tr Crport ETF ETF 464288646   268,281 5,385 SH   SOLE   0 0 5,385
iShares TIPS Bond ETF ETF 464287176   251,198 2,360 SH   SOLE   0 0 2,360
JPMorgan Exchange Traded Fund ETF 46641q837   451,170 9,000 SH   SOLE   0 0 9,000
Quadratic Int Rate Vol & Infl ETF 500767736   303,087 13,405 SH   SOLE   12,312 0 1,093
SPDR Portfolio Agrgte ETF 78464a649   803,105 31,958 SH   SOLE   7,019 0 24,939
SPDR Portfolio Interm ETF 78464a375   259,860 8,164 SH   SOLE   8,164 0 0
Vanguard Muni Bond Funds TAX E ETF 922907746   213,101 4,306 SH   SOLE   0 0 4,306
Vanguard Total Bond Mkt ETF 921937835   1,847,150 25,712 SH   SOLE   12,620 0 13,092