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   2,365,263 7,580 SH   SOLE   7,580 0 0
EATON CORP PLC SHS G29183103   729,592 2,684 SH   SOLE   2,684 0 0
LINDE PLC SHS G54950103   314,307 675 SH   SOLE   675 0 0
ABBOTT LABS COM 002824100   3,800,555 28,651 SH   SOLE   28,651 0 0
ABBVIE INC COM 00287Y109   483,153 2,306 SH   SOLE   2,306 0 0
ADOBE INC COM 00724F101   848,752 2,213 SH   SOLE   2,213 0 0
ADVANCED MICRO DEVICES INC COM 007903107   441,577 4,298 SH   SOLE   4,298 0 0
AIR PRODS & CHEMS INC COM 009158106   240,950 817 SH   SOLE   817 0 0
ALPHABET INC CAP STK CL C 02079K107   2,315,797 14,823 SH   SOLE   14,823 0 0
ALPHABET INC CAP STK CL A 02079K305   6,900,501 44,623 SH   SOLE   44,623 0 0
AMAZON COM INC COM 023135106   8,600,703 45,205 SH   SOLE   45,205 0 0
AMERICAN TOWER CORP NEW COM 03027X100   2,301,338 10,576 SH   SOLE   10,576 0 0
CENCORA INC COM 03073E105   385,155 1,385 SH   SOLE   1,385 0 0
ANALOG DEVICES INC COM 032654105   1,846,289 9,155 SH   SOLE   9,155 0 0
APPLE INC COM 037833100   15,484,460 69,709 SH   SOLE   69,709 0 0
BANK AMERICA CORP COM 060505104   663,632 15,903 SH   SOLE   15,903 0 0
BANK MONTREAL QUE COM 063671101   278,889 2,920 SH   SOLE   2,920 0 0
BANK NEW YORK MELLON CORP COM 064058100   208,081 2,481 SH   SOLE   2,481 0 0
BAR HBR BANKSHARES COM 066849100   544,187 18,447 SH   SOLE   18,447 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   798,442 1 SH   SOLE   1 0 0
BIOGEN INC COM 09062X103   364,405 2,663 SH   SOLE   2,663 0 0
BLACKSTONE INC COM 09260D107   886,205 6,340 SH   SOLE   6,340 0 0
BLACKROCK INC COM 09290D101   497,848 526 SH   SOLE   526 0 0
BOEING CO COM 097023105   475,664 2,789 SH   SOLE   2,789 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   293,118 4,806 SH   SOLE   4,806 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   291,194 1,201 SH   SOLE   1,201 0 0
BROADCOM INC COM 11135F101   864,776 5,165 SH   SOLE   5,165 0 0
CDW CORP COM 12514G108   1,290,894 8,055 SH   SOLE   8,055 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   1,015,224 16,013 SH   SOLE   16,013 0 0
CELESTICA INC COM 15101Q207   372,641 4,724 SH   SOLE   4,724 0 0
CHEVRON CORP NEW COM 166764100   3,556,585 21,260 SH   SOLE   21,260 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,917,352 58,103 SH   SOLE   58,103 0 0
CISCO SYS INC COM 17275R102   593,650 9,620 SH   SOLE   9,620 0 0
COCA COLA CO COM 191216100   343,418 4,795 SH   SOLE   4,795 0 0
COMCAST CORP NEW CL A 20030N101   485,641 13,161 SH   SOLE   13,161 0 0
CONOCOPHILLIPS COM 20825C104   292,166 2,782 SH   SOLE   2,782 0 0
COSTCO WHSL CORP NEW COM 22160K105   6,897,574 7,293 SH   SOLE   7,293 0 0
DANAHER CORPORATION COM 235851102   987,280 4,816 SH   SOLE   4,816 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   7,855,233 303,408 SH   SOLE   303,408 0 0
DISNEY WALT CO COM 254687106   1,073,264 10,874 SH   SOLE   10,874 0 0
DUPONT DE NEMOURS INC COM 26614N102   749,937 10,042 SH   SOLE   10,042 0 0
EOG RES INC COM 26875P101   230,319 1,796 SH   SOLE   1,796 0 0
EASTERN BANKSHARES INC COM 27627N105   397,438 24,234 SH   SOLE   24,234 0 0
EMERSON ELEC CO COM 291011104   369,925 3,374 SH   SOLE   3,374 0 0
EXTRA SPACE STORAGE INC COM 30225T102   580,893 3,912 SH   SOLE   3,912 0 0
EXXON MOBIL CORP COM 30231G102   636,751 5,354 SH   SOLE   5,354 0 0
META PLATFORMS INC CL A 30303M102   6,512,292 11,299 SH   SOLE   11,299 0 0
FEDEX CORP COM 31428X106   311,551 1,278 SH   SOLE   1,278 0 0
FIDUS INVT CORP COM 316500107   1,140,046 55,912 SH   SOLE   55,912 0 0
FREEPORT-MCMORAN INC CL B 35671D857   1,188,690 31,397 SH   SOLE   31,397 0 0
GENERAL DYNAMICS CORP COM 369550108   2,336,556 8,572 SH   SOLE   8,572 0 0
GSK PLC SPONSORED ADR 37733W204   953,624 24,616 SH   SOLE   24,616 0 0
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   241,129 3,700 SH   SOLE   3,700 0 0
HOME DEPOT INC COM 437076102   3,462,231 9,447 SH   SOLE   9,447 0 0
HONEYWELL INTL INC COM 438516106   2,659,792 12,561 SH   SOLE   12,561 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   2,951,303 17,109 SH   SOLE   17,109 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   492,347 1,980 SH   SOLE   1,980 0 0
ISHARES TR CORE S&P500 ETF 464287200   4,143,451 7,374 SH   SOLE   7,374 0 0
ISHARES TR CORE US AGGBD ET 464287226   4,002,006 40,457 SH   SOLE   40,457 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   924,260 11,172 SH   SOLE   11,172 0 0
ISHARES TR MSCI EAFE ETF 464287465   952,155 11,650 SH   SOLE   11,650 0 0
ISHARES TR RUS MID CAP ETF 464287499   265,589 3,122 SH   SOLE   3,122 0 0
ISHARES TR CORE S&P MCP ETF 464287507   19,861,290 340,382 SH   SOLE   340,382 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   219,018 1,164 SH   SOLE   1,164 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   739,151 2,047 SH   SOLE   2,047 0 0
ISHARES TR RUS 1000 ETF 464287622   267,171 871 SH   SOLE   871 0 0
ISHARES TR U.S. REAL ES ETF 464287739   337,519 3,525 SH   SOLE   3,525 0 0
ISHARES TR NATIONAL MUN ETF 464288414   347,319 3,294 SH   SOLE   3,294 0 0
ISHARES TR IBOXX HI YD ETF 464288513   201,170 2,550 SH   SOLE   2,550 0 0
ISHARES TR MBS ETF 464288588   233,043 2,485 SH   SOLE   2,485 0 0
JPMORGAN CHASE & CO. COM 46625H100   7,323,432 29,855 SH   SOLE   29,855 0 0
JOHNSON & JOHNSON COM 478160104   876,133 5,283 SH   SOLE   5,283 0 0
ELI LILLY & CO COM 532457108   4,797,711 5,809 SH   SOLE   5,809 0 0
M & T BK CORP COM 55261F104   220,578 1,234 SH   SOLE   1,234 0 0
MARSH & MCLENNAN COS INC COM 571748102   2,493,743 10,219 SH   SOLE   10,219 0 0
MASCO CORP COM 574599106   432,191 6,215 SH   SOLE   6,215 0 0
MASTERCARD INCORPORATED CL A 57636Q104   3,797,923 6,929 SH   SOLE   6,929 0 0
MCDONALDS CORP COM 580135101   2,331,530 7,464 SH   SOLE   7,464 0 0
MERCK & CO INC COM 58933Y105   517,107 5,761 SH   SOLE   5,761 0 0
METLIFE INC COM 59156R108   324,211 4,038 SH   SOLE   4,038 0 0
MICROSOFT CORP COM 594918104   14,328,261 38,169 SH   SOLE   38,169 0 0
MONDELEZ INTL INC CL A 609207105   1,614,423 23,794 SH   SOLE   23,794 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307   1,635,658 3,736 SH   SOLE   3,736 0 0
NETFLIX INC COM 64110L106   205,157 220 SH   SOLE   220 0 0
NEXTERA ENERGY INC COM 65339F101   1,814,926 25,602 SH   SOLE   25,602 0 0
NIKE INC CL B 654106103   1,342,348 21,146 SH   SOLE   21,146 0 0
NORTHEAST BK PORTLAND ME COM 66405S100   301,716 3,296 SH   SOLE   3,296 0 0
NVIDIA CORPORATION COM 67066G104   11,457,717 105,718 SH   SOLE   105,718 0 0
ORACLE CORP COM 68389X105   989,715 7,079 SH   SOLE   7,079 0 0
PALO ALTO NETWORKS INC COM 697435105   3,293,693 19,302 SH   SOLE   19,302 0 0
PEPSICO INC COM 713448108   2,735,505 18,244 SH   SOLE   18,244 0 0
PFIZER INC COM 717081103   307,095 12,119 SH   SOLE   12,119 0 0
PROCTER AND GAMBLE CO COM 742718109   1,881,437 11,040 SH   SOLE   11,040 0 0
PROVIDENT BANCORP INC COM NEW 74383L105   192,164 16,739 SH   SOLE   16,739 0 0
RTX CORPORATION COM 75513E101   1,222,473 9,229 SH   SOLE   9,229 0 0
ROYAL BK CDA COM 780087102   541,056 4,800 SH   SOLE   4,800 0 0
S&P GLOBAL INC COM 78409V104   2,400,773 4,725 SH   SOLE   4,725 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   8,606,775 15,386 SH   SOLE   15,386 0 0
SPDR SER TR MSCI USA STRTGIC 78468R812   683,171 4,360 SH   SOLE   4,360 0 0
SALESFORCE INC COM 79466L302   2,925,392 10,901 SH   SOLE   10,901 0 0
SCHLUMBERGER LTD COM STK 806857108   1,350,056 32,298 SH   SOLE   32,298 0 0
SCHWAB CHARLES CORP COM 808513105   907,735 11,596 SH   SOLE   11,596 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   428,238 4,440 SH   SOLE   4,440 0 0
SERVICENOW INC COM 81762P102   550,133 691 SH   SOLE   691 0 0
STRYKER CORPORATION COM 863667101   261,320 702 SH   SOLE   702 0 0
TJX COS INC NEW COM 872540109   3,821,597 31,376 SH   SOLE   31,376 0 0
TESLA INC COM 88160R101   234,799 906 SH   SOLE   906 0 0
TEXAS INSTRS INC COM 882508104   569,469 3,169 SH   SOLE   3,169 0 0
TEXAS PACIFIC LAND CORPORATI COM 88262P102   973,868 735 SH   SOLE   735 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,138,187 4,297 SH   SOLE   4,297 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   456,863 7,622 SH   SOLE   7,622 0 0
TRANSUNION COM 89400J107   531,136 6,400 SH   SOLE   6,400 0 0
TRUIST FINL CORP COM 89832Q109   207,849 5,051 SH   SOLE   5,051 0 0
UNION PAC CORP COM 907818108   2,631,950 11,141 SH   SOLE   11,141 0 0
UNITEDHEALTH GROUP INC COM 91324P102   4,055,396 7,743 SH   SOLE   7,743 0 0
VALERO ENERGY CORP COM 91913Y100   239,047 1,810 SH   SOLE   1,810 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   212,638 2,895 SH   SOLE   2,895 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,233,339 24,264 SH   SOLE   24,264 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,352,821 29,890 SH   SOLE   29,890 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   554,630 6,877 SH   SOLE   6,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,469,783 2,860 SH   SOLE   2,860 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   8,332,215 92,028 SH   SOLE   92,028 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   305,927 825 SH   SOLE   825 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   275,175 1,593 SH   SOLE   1,593 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   274,015 997 SH   SOLE   997 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   408,104 8,997 SH   SOLE   8,997 0 0
VERISK ANALYTICS INC COM 92345Y106   245,239 824 SH   SOLE   824 0 0
VISA INC COM CL A 92826C839   3,796,183 10,832 SH   SOLE   10,832 0 0
WALMART INC COM 931142103   478,894 5,455 SH   SOLE   5,455 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   388,434 3,432 SH   SOLE   3,432 0 0