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   3,138,900 9,056 SH   SOLE   9,056 0 0
LINDE PLC SHS G54950103   324,095 698 SH   SOLE   698 0 0
ABBOTT LABS COM 002824100   3,221,579 28,344 SH   SOLE   28,344 0 0
ABBVIE INC COM 00287Y109   433,216 2,379 SH   SOLE   2,379 0 0
ADOBE INC COM 00724F101   1,087,413 2,155 SH   SOLE   2,155 0 0
ALPHABET INC CAP STK CL C 02079K107   2,414,082 15,855 SH   SOLE   15,855 0 0
ALPHABET INC CAP STK CL A 02079K305   6,700,537 44,395 SH   SOLE   44,395 0 0
AMAZON COM INC COM 023135106   7,921,388 43,915 SH   SOLE   43,915 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,043,278 10,341 SH   SOLE   10,341 0 0
ANALOG DEVICES INC COM 032654105   1,782,879 9,014 SH   SOLE   9,014 0 0
ELEVANCE HEALTH INC COM 036752103   229,195 442 SH   SOLE   442 0 0
APPLE INC COM 037833100   11,767,986 68,626 SH   SOLE   68,626 0 0
BANK AMERICA CORP COM 060505104   594,320 15,673 SH   SOLE   15,673 0 0
BANK MONTREAL QUE COM 063671101   285,226 2,920 SH   SOLE   2,920 0 0
BANK NOVA SCOTIA HALIFAX COM 064149107   205,929 3,977 SH   SOLE   3,977 0 0
BAR HBR BANKSHARES COM 066849100   1,031,317 38,947 SH   SOLE   38,947 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   634,440 1 SH   SOLE   1 0 0
BIOGEN INC COM 09062X103   996,211 4,620 SH   SOLE   4,620 0 0
BLACKROCK INC COM 09247X101   300,966 361 SH   SOLE   361 0 0
BLACKSTONE INC COM 09260D107   478,581 3,643 SH   SOLE   3,643 0 0
BLUEBIRD BIO INC COM 09609G100   38,400 30,000 SH   SOLE   30,000 0 0
BOEING CO COM 097023105   782,960 4,057 SH   SOLE   4,057 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   234,057 4,316 SH   SOLE   4,316 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   246,037 1,201 SH   SOLE   1,201 0 0
BROADCOM INC COM 11135F101   523,537 395 SH   SOLE   395 0 0
CDW CORP COM 12514G108   2,050,077 8,015 SH   SOLE   8,015 0 0
CAMBRIDGE BANCORP COM 132152109   248,648 3,648 SH   SOLE   3,648 0 0
CELESTICA INC SUB VTG SHS 15101Q108   212,297 4,724 SH   SOLE   4,724 0 0
CHEVRON CORP NEW COM 166764100   3,615,401 22,920 SH   SOLE   22,920 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   3,322,438 1,143 SH   SOLE   1,143 0 0
CISCO SYS INC COM 17275R102   325,912 6,530 SH   SOLE   6,530 0 0
COCA COLA CO COM 191216100   259,526 4,242 SH   SOLE   4,242 0 0
COMCAST CORP NEW CL A 20030N101   310,473 7,162 SH   SOLE   7,162 0 0
CONOCOPHILLIPS COM 20825C104   442,298 3,475 SH   SOLE   3,475 0 0
COSTCO WHSL CORP NEW COM 22160K105   5,384,831 7,350 SH   SOLE   7,350 0 0
DANAHER CORPORATION COM 235851102   2,333,633 9,345 SH   SOLE   9,345 0 0
DISNEY WALT CO COM 254687106   1,274,257 10,414 SH   SOLE   10,414 0 0
DUPONT DE NEMOURS INC COM 26614N102   791,004 10,317 SH   SOLE   10,317 0 0
EASTERN BANKSHARES INC COM 27627N105   760,091 55,159 SH   SOLE   55,159 0 0
EMERSON ELEC CO COM 291011104   383,019 3,377 SH   SOLE   3,377 0 0
EXTRA SPACE STORAGE INC COM 30225T102   574,770 3,910 SH   SOLE   3,910 0 0
EXXON MOBIL CORP COM 30231G102   485,186 4,174 SH   SOLE   4,174 0 0
META PLATFORMS INC CL A 30303M102   6,061,495 12,483 SH   SOLE   12,483 0 0
FIDUS INVT CORP COM 316500107   1,103,703 55,912 SH   SOLE   55,912 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   17,749,756 432,183 SH   SOLE   432,183 0 0
FREEPORT-MCMORAN INC CL B 35671D857   1,527,022 32,476 SH   SOLE   32,476 0 0
GENERAL DYNAMICS CORP COM 369550108   2,616,987 9,264 SH   SOLE   9,264 0 0
GSK PLC SPONSORED ADR 37733W204   1,062,490 24,784 SH   SOLE   24,784 0 0
GRAINGER W W INC COM 384802104   692,781 681 SH   SOLE   681 0 0
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   242,646 3,700 SH   SOLE   3,700 0 0
HOME DEPOT INC COM 437076102   3,494,980 9,111 SH   SOLE   9,111 0 0
HONEYWELL INTL INC COM 438516106   2,739,882 13,349 SH   SOLE   13,349 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,291,783 16,676 SH   SOLE   16,676 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   364,925 1,911 SH   SOLE   1,911 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,603,353 6,854 SH   SOLE   6,854 0 0
ISHARES TR CORE US AGGBD ET 464287226   24,665,699 251,845 SH   SOLE   251,845 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   913,646 11,172 SH   SOLE   11,172 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,053,593 13,193 SH   SOLE   13,193 0 0
ISHARES TR RUS MID CAP ETF 464287499   268,247 3,190 SH   SOLE   3,190 0 0
ISHARES TR CORE S&P MCP ETF 464287507   28,325,127 466,334 SH   SOLE   466,334 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   208,484 1,164 SH   SOLE   1,164 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   729,376 2,164 SH   SOLE   2,164 0 0
ISHARES TR U.S. REAL ES ETF 464287739   316,898 3,525 SH   SOLE   3,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   342,814 3,186 SH   SOLE   3,186 0 0
ISHARES TR IBOXX HI YD ETF 464288513   493,663 6,351 SH   SOLE   6,351 0 0
ISHARES TR MBS ETF 464288588   229,664 2,485 SH   SOLE   2,485 0 0
JPMORGAN CHASE & CO COM 46625H100   5,821,920 29,066 SH   SOLE   29,066 0 0
JOHNSON & JOHNSON COM 478160104   841,571 5,320 SH   SOLE   5,320 0 0
LAM RESEARCH CORP COM 512807108   242,893 250 SH   SOLE   250 0 0
LAUDER ESTEE COS INC CL A 518439104   755,797 4,903 SH   SOLE   4,903 0 0
ELI LILLY & CO COM 532457108   5,705,559 7,334 SH   SOLE   7,334 0 0
MARSH & MCLENNAN COS INC COM 571748102   1,981,116 9,618 SH   SOLE   9,618 0 0
MASCO CORP COM 574599106   1,488,387 18,869 SH   SOLE   18,869 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,285,752 6,823 SH   SOLE   6,823 0 0
MCDONALDS CORP COM 580135101   1,185,318 4,204 SH   SOLE   4,204 0 0
MERCK & CO INC COM 58933Y105   768,609 5,825 SH   SOLE   5,825 0 0
METLIFE INC COM 59156R108   297,774 4,018 SH   SOLE   4,018 0 0
MICROSOFT CORP COM 594918104   15,035,271 35,737 SH   SOLE   35,737 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   200,592 2,236 SH   SOLE   2,236 0 0
MONDELEZ INTL INC CL A 609207105   1,626,170 23,231 SH   SOLE   23,231 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,395,071 3,930 SH   SOLE   3,930 0 0
NEXTERA ENERGY INC COM 65339F101   1,387,103 21,704 SH   SOLE   21,704 0 0
NIKE INC CL B 654106103   2,558,418 27,223 SH   SOLE   27,223 0 0
NVIDIA CORPORATION COM 67066G104   10,659,297 11,797 SH   SOLE   11,797 0 0
ORACLE CORP COM 68389X105   334,751 2,665 SH   SOLE   2,665 0 0
PALO ALTO NETWORKS INC COM 697435105   2,715,430 9,557 SH   SOLE   9,557 0 0
PEPSICO INC COM 713448108   3,257,811 18,615 SH   SOLE   18,615 0 0
PFIZER INC COM 717081103   316,156 11,393 SH   SOLE   11,393 0 0
PROCTER AND GAMBLE CO COM 742718109   1,611,954 9,935 SH   SOLE   9,935 0 0
PROVIDENT BANCORP INC COM NEW 74383L105   152,325 16,739 SH   SOLE   16,739 0 0
RTX CORPORATION COM 75513E101   336,479 3,450 SH   SOLE   3,450 0 0
ROCKWELL AUTOMATION INC COM 773903109   208,592 716 SH   SOLE   716 0 0
ROYAL BK CDA COM 780087102   484,224 4,800 SH   SOLE   4,800 0 0
S&P GLOBAL INC COM 78409V104   2,033,226 4,779 SH   SOLE   4,779 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,231,966 13,826 SH   SOLE   13,826 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812   634,947 4,360 SH   SOLE   4,360 0 0
SALESFORCE INC COM 79466L302   3,401,828 11,295 SH   SOLE   11,295 0 0
SCHLUMBERGER LTD COM STK 806857108   1,797,220 32,790 SH   SOLE   32,790 0 0
SCHWAB CHARLES CORP COM 808513105   660,247 9,127 SH   SOLE   9,127 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   362,570 4,440 SH   SOLE   4,440 0 0
STRYKER CORPORATION COM 863667101   261,245 730 SH   SOLE   730 0 0
TJX COS INC NEW COM 872540109   3,290,065 32,440 SH   SOLE   32,440 0 0
TEXAS INSTRS INC COM 882508104   560,085 3,215 SH   SOLE   3,215 0 0
TEXAS PACIFIC LAND CORPORATI COM 88262P102   425,205 735 SH   SOLE   735 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,839,211 4,885 SH   SOLE   4,885 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   460,216 7,622 SH   SOLE   7,622 0 0
TRANSUNION COM 89400J107   510,720 6,400 SH   SOLE   6,400 0 0
UNION PAC CORP COM 907818108   2,741,136 11,146 SH   SOLE   11,146 0 0
UNITEDHEALTH GROUP INC COM 91324P102   4,430,039 8,955 SH   SOLE   8,955 0 0
VALERO ENERGY CORP COM 91913Y100   308,949 1,810 SH   SOLE   1,810 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106   290,904 9,200 SH   SOLE   9,200 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   313,135 8,083 SH   SOLE   8,083 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   479,431 6,601 SH   SOLE   6,601 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,242,009 24,756 SH   SOLE   24,756 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,407,691 33,701 SH   SOLE   33,701 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   584,958 6,877 SH   SOLE   6,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,204,154 2,505 SH   SOLE   2,505 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   12,900,395 149,172 SH   SOLE   149,172 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   283,965 825 SH   SOLE   825 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   316,600 1,944 SH   SOLE   1,944 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   404,830 9,648 SH   SOLE   9,648 0 0
VERISK ANALYTICS INC COM 92345Y106   473,817 2,010 SH   SOLE   2,010 0 0
VISA INC COM CL A 92826C839   3,192,396 11,439 SH   SOLE   11,439 0 0
WALMART INC COM 931142103   295,314 4,908 SH   SOLE   4,908 0 0