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
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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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   2,624,473 8,505 SH   SOLE   8,505 0 0
LINDE PLC SHS G54950103   533,512 1,400 SH   SOLE   1,400 0 0
AT&T INC COM 00206R102   168,209 10,546 SH   SOLE   10,546 0 0
ABBOTT LABS COM 002824100   2,922,172 26,804 SH   SOLE   26,804 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   969,667 1,983 SH   SOLE   1,983 0 0
ALPHABET INC CAP STK CL C 02079K107   2,091,329 17,288 SH   SOLE   17,288 0 0
ALPHABET INC CAP STK CL A 02079K305   5,585,920 46,666 SH   SOLE   46,666 0 0
AMAZON COM INC COM 023135106   6,227,949 47,775 SH   SOLE   47,775 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,171,352 11,196 SH   SOLE   11,196 0 0
ANALOG DEVICES INC COM 032654105   1,601,728 8,222 SH   SOLE   8,222 0 0
APPLE INC COM 037833100   13,998,427 72,168 SH   SOLE   72,168 0 0
BANK AMERICA CORP COM 060505104   559,312 19,495 SH   SOLE   19,495 0 0
BANK MONTREAL QUE COM 063671101   263,705 2,920 SH   SOLE   2,920 0 0
BAR HBR BANKSHARES COM 066849100   959,654 38,947 SH   SOLE   38,947 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   517,810 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   223,014 654 SH   SOLE   654 0 0
BIOGEN INC COM 09062X103   1,310,310 4,600 SH   SOLE   4,600 0 0
BLACKROCK INC COM 09247X101   283,367 410 SH   SOLE   410 0 0
BLACKSTONE INC COM 09260D107   482,514 5,190 SH   SOLE   5,190 0 0
BOEING CO COM 097023105   884,972 4,191 SH   SOLE   4,191 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   256,951 4,018 SH   SOLE   4,018 0 0
BROADCOM INC COM 11135F101   412,897 476 SH   SOLE   476 0 0
CDW CORP COM 12514G108   1,336,247 7,282 SH   SOLE   7,282 0 0
CHEVRON CORP NEW COM 166764100   3,703,075 23,534 SH   SOLE   23,534 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,558,244 1,196 SH   SOLE   1,196 0 0
CISCO SYS INC COM 17275R102   219,067 4,234 SH   SOLE   4,234 0 0
COCA COLA CO COM 191216100   344,699 5,724 SH   SOLE   5,724 0 0
COMPASS MINERALS INTL INC COM 20451N101   204,000 6,000 SH   SOLE   6,000 0 0
CONOCOPHILLIPS COM 20825C104   349,684 3,375 SH   SOLE   3,375 0 0
COSTCO WHSL CORP NEW COM 22160K105   4,328,575 8,040 SH   SOLE   8,040 0 0
DANAHER CORPORATION COM 235851102   2,510,640 10,461 SH   SOLE   10,461 0 0
DISNEY WALT CO COM 254687106   827,090 9,264 SH   SOLE   9,264 0 0
DUPONT DE NEMOURS INC COM 26614N102   748,691 10,480 SH   SOLE   10,480 0 0
EASTERN BANKSHARES INC COM 27627N105   676,801 55,159 SH   SOLE   55,159 0 0
EMERSON ELEC CO COM 291011104   336,884 3,727 SH   SOLE   3,727 0 0
EXTRA SPACE STORAGE INC COM 30225T102   582,004 3,910 SH   SOLE   3,910 0 0
EXXON MOBIL CORP COM 30231G102   342,235 3,191 SH   SOLE   3,191 0 0
META PLATFORMS INC CL A 30303M102   3,910,963 13,628 SH   SOLE   13,628 0 0
FIDUS INVT CORP COM 316500107   1,095,875 55,912 SH   SOLE   55,912 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   14,771,685 368,647 SH   SOLE   368,647 0 0
FREEPORT-MCMORAN INC CL B 35671D857   1,314,680 32,867 SH   SOLE   32,867 0 0
GENERAL DYNAMICS CORP COM 369550108   2,020,043 9,389 SH   SOLE   9,389 0 0
GSK PLC SPONSORED ADR 37733W204   776,346 21,783 SH   SOLE   21,783 0 0
HOME DEPOT INC COM 437076102   2,716,236 8,744 SH   SOLE   8,744 0 0
HONEYWELL INTL INC COM 438516106   2,625,705 12,654 SH   SOLE   12,654 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   1,705,020 15,078 SH   SOLE   15,078 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,155,181 7,079 SH   SOLE   7,079 0 0
ISHARES TR CORE US AGGBD ET 464287226   23,411,519 239,015 SH   SOLE   239,015 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   217,580 5,500 SH   SOLE   5,500 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   897,718 11,072 SH   SOLE   11,072 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,016,015 14,014 SH   SOLE   14,014 0 0
ISHARES TR RUS MID CAP ETF 464287499   240,707 3,296 SH   SOLE   3,296 0 0
ISHARES TR CORE S&P MCP ETF 464287507   25,150,715 96,186 SH   SOLE   96,186 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   617,779 2,245 SH   SOLE   2,245 0 0
ISHARES TR U.S. REAL ES ETF 464287739   305,054 3,525 SH   SOLE   3,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   3,743,661 35,076 SH   SOLE   35,076 0 0
ISHARES TR IBOXX HI YD ETF 464288513   495,087 6,595 SH   SOLE   6,595 0 0
ISHARES TR MSCI KLD400 SOC 464288570   1,009,198 11,990 SH   SOLE   11,990 0 0
ISHARES TR MBS ETF 464288588   231,764 2,485 SH   SOLE   2,485 0 0
ISHARES INC CORE MSCI EMKT 46434G103   372,238 7,552 SH   SOLE   7,552 0 0
JPMORGAN CHASE & CO COM 46625H100   4,082,064 28,067 SH   SOLE   28,067 0 0
JOHNSON & JOHNSON COM 478160104   951,906 5,751 SH   SOLE   5,751 0 0
LAUDER ESTEE COS INC CL A 518439104   940,267 4,788 SH   SOLE   4,788 0 0
LILLY ELI & CO COM 532457108   4,389,653 9,360 SH   SOLE   9,360 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,502,571 7,989 SH   SOLE   7,989 0 0
MASCO CORP COM 574599106   995,199 17,344 SH   SOLE   17,344 0 0
MASTERCARD INCORPORATED CL A 57636Q104   2,810,522 7,146 SH   SOLE   7,146 0 0
MCDONALDS CORP COM 580135101   677,988 2,272 SH   SOLE   2,272 0 0
MERCK & CO INC COM 58933Y105   457,868 3,968 SH   SOLE   3,968 0 0
METLIFE INC COM 59156R108   243,644 4,310 SH   SOLE   4,310 0 0
MICROSOFT CORP COM 594918104   12,053,073 35,394 SH   SOLE   35,394 0 0
MONDELEZ INTL INC CL A 609207105   1,446,400 19,830 SH   SOLE   19,830 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,162,855 3,965 SH   SOLE   3,965 0 0
NEXTERA ENERGY INC COM 65339F101   1,588,103 21,403 SH   SOLE   21,403 0 0
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   223,184 3,806 SH   SOLE   3,806 0 0
NIKE INC CL B 654106103   3,241,015 29,365 SH   SOLE   29,365 0 0
NVIDIA CORPORATION COM 67066G104   6,204,857 14,668 SH   SOLE   14,668 0 0
PALO ALTO NETWORKS INC COM 697435105   3,824,985 14,970 SH   SOLE   14,970 0 0
PEPSICO INC COM 713448108   3,533,627 19,078 SH   SOLE   19,078 0 0
PFIZER INC COM 717081103   622,973 16,984 SH   SOLE   16,984 0 0
PROCTER AND GAMBLE CO COM 742718109   1,172,495 7,727 SH   SOLE   7,727 0 0
PROVIDENT BANCORP INC COM NEW 74383L105   138,599 16,739 SH   SOLE   16,739 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   440,722 4,499 SH   SOLE   4,499 0 0
ROCKWELL AUTOMATION INC COM 773903109   235,886 716 SH   SOLE   716 0 0
ROYAL BK CDA COM 780087102   458,448 4,800 SH   SOLE   4,800 0 0
S&P GLOBAL INC COM 78409V104   2,067,791 5,158 SH   SOLE   5,158 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,940,435 15,657 SH   SOLE   15,657 0 0
SALESFORCE INC COM 79466L302   2,606,948 12,340 SH   SOLE   12,340 0 0
SCHLUMBERGER LTD COM STK 806857108   1,492,364 30,382 SH   SOLE   30,382 0 0
SCHWAB CHARLES CORP COM 808513105   547,982 9,668 SH   SOLE   9,668 0 0
STRYKER CORPORATION COM 863667101   243,462 798 SH   SOLE   798 0 0
TJX COS INC NEW COM 872540109   3,106,451 36,637 SH   SOLE   36,637 0 0
TESLA INC COM 88160R101   357,840 1,367 SH   SOLE   1,367 0 0
TEXAS INSTRS INC COM 882508104   1,734,133 9,633 SH   SOLE   9,633 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,731,361 5,235 SH   SOLE   5,235 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   348,620 5,622 SH   SOLE   5,622 0 0
TRANSUNION COM 89400J107   513,062 6,550 SH   SOLE   6,550 0 0
UNION PAC CORP COM 907818108   2,188,616 10,696 SH   SOLE   10,696 0 0
UNITEDHEALTH GROUP INC COM 91324P102   4,582,422 9,534 SH   SOLE   9,534 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   402,541 13,369 SH   SOLE   13,369 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   572,557 16,056 SH   SOLE   16,056 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873   201,051 1,285 SH   SOLE   1,285 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   207,893 2,751 SH   SOLE   2,751 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,186,226 25,687 SH   SOLE   25,687 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,411,189 34,690 SH   SOLE   34,690 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   520,039 6,877 SH   SOLE   6,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,035,713 2,543 SH   SOLE   2,543 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,142,856 145,319 SH   SOLE   145,319 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   286,356 1,012 SH   SOLE   1,012 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   453,867 3,194 SH   SOLE   3,194 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   580,908 15,620 SH   SOLE   15,620 0 0
VERISK ANALYTICS INC COM 92345Y106   576,377 2,550 SH   SOLE   2,550 0 0
VISA INC COM CL A 92826C839   2,745,506 11,561 SH   SOLE   11,561 0 0
WALMART INC COM 931142103   270,192 1,719 SH   SOLE   1,719 0 0
WEWORK INC CL A 96209A104   10,216 40,000 SH   SOLE   40,000 0 0