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   2,684,327 7,594 SH   SOLE   7,594 0 0
EATON CORP PLC SHS G29183103   363,921 1,098 SH   SOLE   1,098 0 0
LINDE PLC SHS G54950103   319,019 669 SH   SOLE   669 0 0
ABBOTT LABS COM 002824100   3,221,467 28,256 SH   SOLE   28,256 0 0
ABBVIE INC COM 00287Y109   449,859 2,278 SH   SOLE   2,278 0 0
ADOBE INC COM 00724F101   1,247,332 2,409 SH   SOLE   2,409 0 0
AIR PRODS & CHEMS INC COM 009158106   243,254 817 SH   SOLE   817 0 0
ALPHABET INC CAP STK CL C 02079K107   2,542,960 15,210 SH   SOLE   15,210 0 0
ALPHABET INC CAP STK CL A 02079K305   7,297,732 44,002 SH   SOLE   44,002 0 0
AMAZON COM INC COM 023135106   8,154,360 43,763 SH   SOLE   43,763 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,401,182 10,325 SH   SOLE   10,325 0 0
ANALOG DEVICES INC COM 032654105   2,113,881 9,184 SH   SOLE   9,184 0 0
ELEVANCE HEALTH INC COM 036752103   229,840 442 SH   SOLE   442 0 0
APPLE INC COM 037833100   16,653,675 71,475 SH   SOLE   71,475 0 0
BANK AMERICA CORP COM 060505104   617,937 15,573 SH   SOLE   15,573 0 0
BANK MONTREAL QUE COM 063671101   263,384 2,920 SH   SOLE   2,920 0 0
BANK NOVA SCOTIA HALIFAX COM 064149107   216,707 3,977 SH   SOLE   3,977 0 0
BAR HBR BANKSHARES COM 066849100   1,201,125 38,947 SH   SOLE   38,947 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   691,180 1 SH   SOLE   1 0 0
BIOGEN INC COM 09062X103   775,748 4,002 SH   SOLE   4,002 0 0
BLACKROCK INC COM 09247X101   347,521 366 SH   SOLE   366 0 0
BLACKSTONE INC COM 09260D107   643,299 4,201 SH   SOLE   4,201 0 0
BLUEBIRD BIO INC COM 09609G100   15,585 30,000 SH   SOLE   30,000 0 0
BOEING CO COM 097023105   610,289 4,014 SH   SOLE   4,014 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   212,341 4,104 SH   SOLE   4,104 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   258,251 1,201 SH   SOLE   1,201 0 0
BROADCOM INC COM 11135F101   608,063 3,525 SH   SOLE   3,525 0 0
CDW CORP COM 12514G108   1,809,721 7,997 SH   SOLE   7,997 0 0
CELESTICA INC COM 15101Q207   241,795 4,724 SH   SOLE   4,724 0 0
CHEVRON CORP NEW COM 166764100   3,374,692 22,915 SH   SOLE   22,915 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   3,225,280 55,975 SH   SOLE   55,975 0 0
CISCO SYS INC COM 17275R102   370,837 6,968 SH   SOLE   6,968 0 0
COCA COLA CO COM 191216100   307,417 4,278 SH   SOLE   4,278 0 0
COMCAST CORP NEW CL A 20030N101   515,108 12,332 SH   SOLE   12,332 0 0
CONOCOPHILLIPS COM 20825C104   361,637 3,435 SH   SOLE   3,435 0 0
COSTCO WHSL CORP NEW COM 22160K105   6,362,554 7,177 SH   SOLE   7,177 0 0
DANAHER CORPORATION COM 235851102   2,560,008 9,208 SH   SOLE   9,208 0 0
DISNEY WALT CO COM 254687106   1,034,235 10,752 SH   SOLE   10,752 0 0
DUPONT DE NEMOURS INC COM 26614N102   903,665 10,141 SH   SOLE   10,141 0 0
EASTERN BANKSHARES INC COM 27627N105   384,083 23,434 SH   SOLE   23,434 0 0
EMERSON ELEC CO COM 291011104   369,342 3,377 SH   SOLE   3,377 0 0
EXTRA SPACE STORAGE INC COM 30225T102   704,543 3,910 SH   SOLE   3,910 0 0
EXXON MOBIL CORP COM 30231G102   525,263 4,481 SH   SOLE   4,481 0 0
META PLATFORMS INC CL A 30303M102   6,763,379 11,815 SH   SOLE   11,815 0 0
FIDUS INVT CORP COM 316500107   1,095,875 55,912 SH   SOLE   55,912 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   19,128,079 463,711 SH   SOLE   463,711 0 0
FREEPORT-MCMORAN INC CL B 35671D857   1,610,669 32,265 SH   SOLE   32,265 0 0
GENERAL DYNAMICS CORP COM 369550108   2,549,661 8,437 SH   SOLE   8,437 0 0
GSK PLC SPONSORED ADR 37733W204   1,067,009 26,101 SH   SOLE   26,101 0 0
GRAINGER W W INC COM 384802104   832,087 801 SH   SOLE   801 0 0
HOME DEPOT INC COM 437076102   3,846,564 9,493 SH   SOLE   9,493 0 0
HONEYWELL INTL INC COM 438516106   2,782,317 13,460 SH   SOLE   13,460 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,674,335 16,648 SH   SOLE   16,648 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   433,096 1,959 SH   SOLE   1,959 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,211,363 7,301 SH   SOLE   7,301 0 0
ISHARES TR CORE US AGGBD ET 464287226   26,956,352 266,183 SH   SOLE   266,183 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   928,952 11,172 SH   SOLE   11,172 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,063,272 12,714 SH   SOLE   12,714 0 0
ISHARES TR RUS MID CAP ETF 464287499   281,167 3,190 SH   SOLE   3,190 0 0
ISHARES TR CORE S&P MCP ETF 464287507   22,120,235 354,946 SH   SOLE   354,946 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   220,927 1,164 SH   SOLE   1,164 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   804,815 2,144 SH   SOLE   2,144 0 0
ISHARES TR RUS 1000 ETF 464287622   206,869 658 SH   SOLE   658 0 0
ISHARES TR U.S. REAL ES ETF 464287739   359,092 3,525 SH   SOLE   3,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   315,462 2,904 SH   SOLE   2,904 0 0
ISHARES TR IBOXX HI YD ETF 464288513   309,235 3,851 SH   SOLE   3,851 0 0
ISHARES TR MBS ETF 464288588   238,088 2,485 SH   SOLE   2,485 0 0
JPMORGAN CHASE & CO. COM 46625H100   6,171,872 29,270 SH   SOLE   29,270 0 0
JOHNSON & JOHNSON COM 478160104   824,561 5,088 SH   SOLE   5,088 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   200,524 843 SH   SOLE   843 0 0
LAM RESEARCH CORP COM 512807108   204,020 250 SH   SOLE   250 0 0
ELI LILLY & CO COM 532457108   5,913,650 6,675 SH   SOLE   6,675 0 0
M & T BK CORP COM 55261F104   218,375 1,226 SH   SOLE   1,226 0 0
MARSH & MCLENNAN COS INC COM 571748102   2,163,973 9,700 SH   SOLE   9,700 0 0
MASCO CORP COM 574599106   1,572,868 18,738 SH   SOLE   18,738 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,395,369 6,876 SH   SOLE   6,876 0 0
MCDONALDS CORP COM 580135101   2,215,615 7,276 SH   SOLE   7,276 0 0
MERCK & CO INC COM 58933Y105   661,487 5,825 SH   SOLE   5,825 0 0
METLIFE INC COM 59156R108   331,405 4,018 SH   SOLE   4,018 0 0
MICROSOFT CORP COM 594918104   15,897,864 36,946 SH   SOLE   36,946 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   282,781 3,522 SH   SOLE   3,522 0 0
MONDELEZ INTL INC CL A 609207105   1,796,148 24,381 SH   SOLE   24,381 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,677,120 3,730 SH   SOLE   3,730 0 0
NEXTERA ENERGY INC COM 65339F101   1,882,652 22,272 SH   SOLE   22,272 0 0
NIKE INC CL B 654106103   2,344,191 26,518 SH   SOLE   26,518 0 0
NORTHEAST BK LEWISTON ME COM 66405S100   254,220 3,296 SH   SOLE   3,296 0 0
NVIDIA CORPORATION COM 67066G104   12,913,565 106,337 SH   SOLE   106,337 0 0
ORACLE CORP COM 68389X105   939,756 5,515 SH   SOLE   5,515 0 0
PALO ALTO NETWORKS INC COM 697435105   3,348,956 9,798 SH   SOLE   9,798 0 0
PEPSICO INC COM 713448108   3,151,537 18,533 SH   SOLE   18,533 0 0
PFIZER INC COM 717081103   334,054 11,543 SH   SOLE   11,543 0 0
PROCTER AND GAMBLE CO COM 742718109   1,868,308 10,787 SH   SOLE   10,787 0 0
PROVIDENT BANCORP INC COM NEW 74383L105   180,614 16,739 SH   SOLE   16,739 0 0
RTX CORPORATION COM 75513E101   430,118 3,550 SH   SOLE   3,550 0 0
ROYAL BK CDA COM 780087102   598,704 4,800 SH   SOLE   4,800 0 0
S&P GLOBAL INC COM 78409V104   2,458,595 4,759 SH   SOLE   4,759 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,870,266 13,717 SH   SOLE   13,717 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812   686,918 4,360 SH   SOLE   4,360 0 0
SALESFORCE INC COM 79466L302   3,101,682 11,332 SH   SOLE   11,332 0 0
SCHLUMBERGER LTD COM STK 806857108   1,448,534 34,530 SH   SOLE   34,530 0 0
SCHWAB CHARLES CORP COM 808513105   646,933 9,982 SH   SOLE   9,982 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   401,376 4,440 SH   SOLE   4,440 0 0
STRYKER CORPORATION COM 863667101   249,992 692 SH   SOLE   692 0 0
TJX COS INC NEW COM 872540109   3,774,209 32,110 SH   SOLE   32,110 0 0
TESLA INC COM 88160R101   345,613 1,321 SH   SOLE   1,321 0 0
TEXAS INSTRS INC COM 882508104   652,348 3,158 SH   SOLE   3,158 0 0
TEXAS PACIFIC LAND CORPORATI COM 88262P102   650,284 735 SH   SOLE   735 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,909,135 4,703 SH   SOLE   4,703 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   482,168 7,622 SH   SOLE   7,622 0 0
TRANSUNION COM 89400J107   670,080 6,400 SH   SOLE   6,400 0 0
UNION PAC CORP COM 907818108   2,741,597 11,123 SH   SOLE   11,123 0 0
UNITEDHEALTH GROUP INC COM 91324P102   4,901,372 8,383 SH   SOLE   8,383 0 0
VALERO ENERGY CORP COM 91913Y100   244,404 1,810 SH   SOLE   1,810 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791   319,998 6,556 SH   SOLE   6,556 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   495,801 6,601 SH   SOLE   6,601 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,326,059 25,110 SH   SOLE   25,110 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,599,626 33,430 SH   SOLE   33,430 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   614,529 6,877 SH   SOLE   6,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,438,956 2,727 SH   SOLE   2,727 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   14,972,480 153,690 SH   SOLE   153,690 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   316,742 825 SH   SOLE   825 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   302,006 1,730 SH   SOLE   1,730 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   201,629 850 SH   SOLE   850 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   282,311 997 SH   SOLE   997 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   404,235 9,001 SH   SOLE   9,001 0 0
VERISK ANALYTICS INC COM 92345Y106   217,048 810 SH   SOLE   810 0 0
VISA INC COM CL A 92826C839   3,062,393 11,138 SH   SOLE   11,138 0 0
WALMART INC COM 931142103   420,546 5,208 SH   SOLE   5,208 0 0
ZOETIS INC CL A 98978V103   208,275 1,066 SH   SOLE   1,066 0 0