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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,323,469 9,471 SH   SOLE   9,471 0 0
LINDE PLC SHS G54950103   424,263 1,033 SH   SOLE   1,033 0 0
ABBOTT LABS COM 002824100   3,195,662 29,033 SH   SOLE   29,033 0 0
ABBVIE INC COM 00287Y109   367,899 2,374 SH   SOLE   2,374 0 0
ADOBE INC COM 00724F101   1,301,185 2,181 SH   SOLE   2,181 0 0
AIR PRODS & CHEMS INC COM 009158106   222,326 812 SH   SOLE   812 0 0
ALPHABET INC CAP STK CL C 02079K107   2,425,546 17,211 SH   SOLE   17,211 0 0
ALPHABET INC CAP STK CL A 02079K305   6,457,729 46,229 SH   SOLE   46,229 0 0
AMAZON COM INC COM 023135106   7,059,740 46,464 SH   SOLE   46,464 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,361,727 10,940 SH   SOLE   10,940 0 0
ANALOG DEVICES INC COM 032654105   1,831,319 9,223 SH   SOLE   9,223 0 0
ELEVANCE HEALTH INC COM 036752103   208,430 442 SH   SOLE   442 0 0
APPLE INC COM 037833100   14,478,834 75,203 SH   SOLE   75,203 0 0
BANK AMERICA CORP COM 060505104   566,531 16,826 SH   SOLE   16,826 0 0
BANK MONTREAL QUE COM 063671101   288,905 2,920 SH   SOLE   2,920 0 0
BAR HBR BANKSHARES COM 066849100   1,143,484 38,947 SH   SOLE   38,947 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   542,625 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   226,836 636 SH   SOLE   636 0 0
BIOGEN INC COM 09062X103   1,194,482 4,616 SH   SOLE   4,616 0 0
BLACKROCK INC COM 09247X101   292,248 360 SH   SOLE   360 0 0
BLACKSTONE INC COM 09260D107   471,705 3,603 SH   SOLE   3,603 0 0
BOEING CO COM 097023105   1,100,246 4,221 SH   SOLE   4,221 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   259,936 5,066 SH   SOLE   5,066 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   247,106 1,201 SH   SOLE   1,201 0 0
BROADCOM INC COM 11135F101   449,849 403 SH   SOLE   403 0 0
CDW CORP COM 12514G108   1,827,880 8,041 SH   SOLE   8,041 0 0
CAMBRIDGE BANCORP COM 132152109   253,171 3,648 SH   SOLE   3,648 0 0
CHEVRON CORP NEW COM 166764100   3,366,989 22,573 SH   SOLE   22,573 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,703,187 1,182 SH   SOLE   1,182 0 0
CISCO SYS INC COM 17275R102   359,197 7,110 SH   SOLE   7,110 0 0
COCA COLA CO COM 191216100   295,888 5,021 SH   SOLE   5,021 0 0
COMCAST CORP NEW CL A 20030N101   322,166 7,347 SH   SOLE   7,347 0 0
CONOCOPHILLIPS COM 20825C104   391,736 3,375 SH   SOLE   3,375 0 0
COSTCO WHSL CORP NEW COM 22160K105   5,142,023 7,790 SH   SOLE   7,790 0 0
DANAHER CORPORATION COM 235851102   2,374,242 10,263 SH   SOLE   10,263 0 0
DISNEY WALT CO COM 254687106   857,574 9,498 SH   SOLE   9,498 0 0
DUPONT DE NEMOURS INC COM 26614N102   829,382 10,781 SH   SOLE   10,781 0 0
EASTERN BANKSHARES INC COM 27627N105   783,258 55,159 SH   SOLE   55,159 0 0
EMERSON ELEC CO COM 291011104   327,710 3,367 SH   SOLE   3,367 0 0
EXTRA SPACE STORAGE INC COM 30225T102   626,890 3,910 SH   SOLE   3,910 0 0
EXXON MOBIL CORP COM 30231G102   510,898 5,110 SH   SOLE   5,110 0 0
META PLATFORMS INC CL A 30303M102   4,738,109 13,386 SH   SOLE   13,386 0 0
FIDUS INVT CORP COM 316500107   1,100,907 55,912 SH   SOLE   55,912 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   15,939,501 389,243 SH   SOLE   389,243 0 0
FREEPORT-MCMORAN INC CL B 35671D857   1,406,002 33,028 SH   SOLE   33,028 0 0
GENERAL DYNAMICS CORP COM 369550108   2,495,688 9,611 SH   SOLE   9,611 0 0
GSK PLC SPONSORED ADR 37733W204   936,024 25,257 SH   SOLE   25,257 0 0
GRAINGER W W INC COM 384802104   564,338 681 SH   SOLE   681 0 0
HOME DEPOT INC COM 437076102   3,259,649 9,406 SH   SOLE   9,406 0 0
HONEYWELL INTL INC COM 438516106   2,965,719 14,142 SH   SOLE   14,142 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,276,807 17,728 SH   SOLE   17,728 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   311,890 1,907 SH   SOLE   1,907 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,189,136 6,677 SH   SOLE   6,677 0 0
ISHARES TR CORE US AGGBD ET 464287226   24,266,724 244,501 SH   SOLE   244,501 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   916,551 11,172 SH   SOLE   11,172 0 0
ISHARES TR MSCI EAFE ETF 464287465   994,093 13,193 SH   SOLE   13,193 0 0
ISHARES TR RUS MID CAP ETF 464287499   249,980 3,216 SH   SOLE   3,216 0 0
ISHARES TR CORE S&P MCP ETF 464287507   28,148,463 101,564 SH   SOLE   101,564 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   662,426 2,185 SH   SOLE   2,185 0 0
ISHARES TR U.S. REAL ES ETF 464287739   322,220 3,525 SH   SOLE   3,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   345,394 3,186 SH   SOLE   3,186 0 0
ISHARES TR IBOXX HI YD ETF 464288513   491,504 6,351 SH   SOLE   6,351 0 0
ISHARES TR MBS ETF 464288588   233,789 2,485 SH   SOLE   2,485 0 0
JPMORGAN CHASE & CO COM 46625H100   5,150,118 30,277 SH   SOLE   30,277 0 0
JOHNSON & JOHNSON COM 478160104   882,760 5,632 SH   SOLE   5,632 0 0
LAUDER ESTEE COS INC CL A 518439104   710,483 4,858 SH   SOLE   4,858 0 0
ELI LILLY & CO COM 532457108   4,846,397 8,314 SH   SOLE   8,314 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,896,784 10,011 SH   SOLE   10,011 0 0
MASCO CORP COM 574599106   1,330,759 19,868 SH   SOLE   19,868 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,053,812 7,160 SH   SOLE   7,160 0 0
MCDONALDS CORP COM 580135101   1,238,522 4,177 SH   SOLE   4,177 0 0
MERCK & CO INC COM 58933Y105   633,951 5,815 SH   SOLE   5,815 0 0
METLIFE INC COM 59156R108   265,710 4,018 SH   SOLE   4,018 0 0
MICROSOFT CORP COM 594918104   13,836,016 36,794 SH   SOLE   36,794 0 0
MONDELEZ INTL INC CL A 609207105   1,760,339 24,304 SH   SOLE   24,304 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,230,444 3,930 SH   SOLE   3,930 0 0
NEXTERA ENERGY INC COM 65339F101   1,356,324 22,330 SH   SOLE   22,330 0 0
NIKE INC CL B 654106103   3,177,301 29,265 SH   SOLE   29,265 0 0
NVIDIA CORPORATION COM 67066G104   6,396,262 12,916 SH   SOLE   12,916 0 0
ORACLE CORP COM 68389X105   318,399 3,020 SH   SOLE   3,020 0 0
PALO ALTO NETWORKS INC COM 697435105   3,743,207 12,694 SH   SOLE   12,694 0 0
PEPSICO INC COM 713448108   3,294,556 19,398 SH   SOLE   19,398 0 0
PFIZER INC COM 717081103   394,164 13,691 SH   SOLE   13,691 0 0
PROCTER AND GAMBLE CO COM 742718109   1,405,758 9,593 SH   SOLE   9,593 0 0
PROVIDENT BANCORP INC COM NEW 74383L105   168,562 16,739 SH   SOLE   16,739 0 0
QUEST DIAGNOSTICS INC COM 74834L100   250,804 1,819 SH   SOLE   1,819 0 0
RTX CORPORATION COM 75513E101   290,283 3,450 SH   SOLE   3,450 0 0
READY CAPITAL CORP COM 75574U101   398,274 38,856 SH   SOLE   38,856 0 0
ROCKWELL AUTOMATION INC COM 773903109   222,304 716 SH   SOLE   716 0 0
ROYAL BK CDA COM 780087102   485,424 4,800 SH   SOLE   4,800 0 0
S&P GLOBAL INC COM 78409V104   2,177,490 4,943 SH   SOLE   4,943 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   6,609,661 13,906 SH   SOLE   13,906 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812   576,041 4,360 SH   SOLE   4,360 0 0
SALESFORCE INC COM 79466L302   3,192,678 12,133 SH   SOLE   12,133 0 0
SCHLUMBERGER LTD COM STK 806857108   1,666,217 32,018 SH   SOLE   32,018 0 0
SCHWAB CHARLES CORP COM 808513105   673,002 9,782 SH   SOLE   9,782 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   322,610 4,440 SH   SOLE   4,440 0 0
STRYKER CORPORATION COM 863667101   238,969 798 SH   SOLE   798 0 0
TJX COS INC NEW COM 872540109   3,200,610 34,118 SH   SOLE   34,118 0 0
TESLA INC COM 88160R101   313,085 1,260 SH   SOLE   1,260 0 0
TEXAS INSTRS INC COM 882508104   573,087 3,362 SH   SOLE   3,362 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,734,630 5,152 SH   SOLE   5,152 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   492,534 7,622 SH   SOLE   7,622 0 0
TRANSUNION COM 89400J107   439,744 6,400 SH   SOLE   6,400 0 0
UNION PAC CORP COM 907818108   2,801,296 11,405 SH   SOLE   11,405 0 0
UNITEDHEALTH GROUP INC COM 91324P102   4,896,697 9,301 SH   SOLE   9,301 0 0
VALERO ENERGY CORP COM 91913Y100   235,300 1,810 SH   SOLE   1,810 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   260,298 8,394 SH   SOLE   8,394 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   505,509 6,873 SH   SOLE   6,873 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,191,273 24,870 SH   SOLE   24,870 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,368,425 33,295 SH   SOLE   33,295 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   557,725 6,877 SH   SOLE   6,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,102,920 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   13,566,176 153,533 SH   SOLE   153,533 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   201,699 867 SH   SOLE   867 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   265,802 855 SH   SOLE   855 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   290,628 1,944 SH   SOLE   1,944 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   362,976 9,628 SH   SOLE   9,628 0 0
VERISK ANALYTICS INC COM 92345Y106   539,824 2,260 SH   SOLE   2,260 0 0
VISA INC COM CL A 92826C839   3,165,075 12,157 SH   SOLE   12,157 0 0
WALMART INC COM 931142103   257,127 1,631 SH   SOLE   1,631 0 0
ZOETIS INC CL A 98978V103   210,396 1,066 SH   SOLE   1,066 0 0