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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 284 1,598 SH   SOLE   0 0 1,598
ADOBE SYSTEMS INCORPORATED COM 00724F101 207 365 SH   SOLE   0 0 365
ALPHABET INC CAP STK CL C 02079K107 1,567 542 SH   SOLE   0 0 542
AMAZON COM INC COM 023135106 586 176 SH   SOLE   0 0 176
AMERICAN ELEC PWR CO INC COM 025537101 230 2,584 SH   SOLE   0 0 2,584
APPLE INC COM 037833100 3,757 21,160 SH   SOLE   0 0 21,160
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 541 1,808 SH   SOLE   0 0 1,808
BK OF AMERICA CORP COM 060505104 435 9,780 SH   SOLE   0 0 9,780
BLACKSTONE INC COM 09260D107 318 2,455 SH   SOLE   0 0 2,455
BOEING CO COM 097023105 1,224 6,079 SH   SOLE   0 0 6,079
COCA COLA CO COM 191216100 272 4,598 SH   SOLE   0 0 4,598
COSTCO WHSL CORP NEW COM 22160K105 240 423 SH   SOLE   0 0 423
DANAHER CORPORATION COM 235851102 334 1,016 SH   SOLE   0 0 1,016
EASTERN BANKSHARES INC COM 27627N105 726 36,013 SH   SOLE   0 0 36,013
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 210 5,370 SH   SOLE   0 0 5,370
GEE GROUP INC COM 36165A102 6 10,000 SH   SOLE   0 0 10,000
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 1,113 11,130 SH   SOLE   0 0 11,130
ALPHABET INC CAP STK CL A 02079K305 1,396 482 SH   SOLE   0 0 482
HOME DEPOT INC COM 437076102 564 1,360 SH   SOLE   0 0 1,360
HONEYWELL INTL INC COM 438516106 351 1,685 SH   SOLE   0 0 1,685
HUBSPOT INC COM 443573100 1,367 2,074 SH   SOLE   0 0 2,074
INVESCO QQQ TR UNIT SER 1 46090E103 242 607 SH   SOLE   0 0 607
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,102 5,226 SH   SOLE   0 0 5,226
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 414 7,085 SH   SOLE   0 0 7,085
ISHARES TR CORE US AGGBD ET 464287226 26,580 232,993 SH   SOLE   0 0 232,993
ISHARES TR NATIONAL MUN ETF 464288414 14,186 121,998 SH   SOLE   0 0 121,998
ISHARES TR CORE DIV GRWTH 46434V621 209 95,048 SH   SOLE   0 0 95,048
ISHARES TR CORE MSCI EAFE 46432F842 10,200 136,654 SH   SOLE   0 0 136,654
ISHARES INC CORE MSCI EMKT 46434G103 13,360 223,189 SH   SOLE   0 0 223,189
ISHARES TR CORE S&P MCP ETF 464287507 37,071 130,956 SH   SOLE   0 0 130,956
ISHARES TR FLTG RATE NT ETF 46429B655 5,062 99,791 SH   SOLE   0 0 99,791
ISHARES TR IBOXX INV CP ETF 464287242 1,458 11,000 SH   SOLE   0 0 11,000
ISHARES TR IBOXX HI YD ETF 464288513 5,383 61,864 SH   SOLE   0 0 61,864
ISHARES TR MSCI EAFE ETF 464287465 345 4,380 SH   SOLE   0 0 4,380
ISHARES TR EAFE SML CP ETF 464288273 5,745 78,608 SH   SOLE   0 0 78,608
ISHARES TR MSCI EMG MKT ETF 464287234 250 5,113 SH   SOLE   0 0 5,113
ISHARES TR RUS 1000 ETF 464287622 6,095 23,049 SH   SOLE   0 0 23,049
ISHARES TR RUS 1000 GRW ETF 464287614 661 80,687 SH   SOLE   0 0 80,687
ISHARES TR RUS 1000 VAL ETF 464287598 287 1,707 SH   SOLE   0 0 1,707
ISHARES TR RUSSELL 2000 ETF 464287655 5,284 23,752 SH   SOLE   0 0 23,752
ISHARES TR S&P 500 GRWT ETF 464287309 821 9,811 SH   SOLE   0 0 9,811
ISHARES TR CORE S&P500 ETF 464287200 112,531 235,919 SH   SOLE   0 0 235,919
ISHARES TR S&P 500 VAL ETF 464287408 203 1,299 SH   SOLE   0 0 1,299
ISHARES TR S&P MC 400GR ETF 464287606 202 2,366 SH   SOLE   0 0 2,366
ISHARES TR CORE S&P SCP ETF 464287804 25,847 225,717 SH   SOLE   0 0 225,717
ISHARES TR S&P SML 600 GWT 464287887 213 1,532 SH   SOLE   0 0 1,532
ISHARES TR SHRT NAT MUN ETF 464288158 5,850 54,488 SH   SOLE   0 0 54,488
ISHARES TR CORE S&P TTL STK 464287150 5,712 53,396 SH   SOLE   0 0 53,396
ISHARES TR CORE MSCI TOTAL 46432F834 1,518 47,649 SH   SOLE   0 0 47,649
JOHNSON & JOHNSON COM 478160104 502 2,936 SH   SOLE   0 0 2,936
JPMORGAN CHASE & CO COM 46625H100 863 5,448 SH   SOLE   0 0 5,448
LILLY ELI & CO COM 532457108 209 756 SH   SOLE   0 0 756
LOWES COS INC COM 548661107 206 799 SH   SOLE   0 0 799
MERCK & CO INC COM 58933Y105 278 3,632 SH   SOLE   0 0 3,632
META PLATFORMS INC CL A 30303M102 492 1,463 SH   SOLE   0 0 1,463
MICROSOFT CORP COM 594918104 1,956 5,815 SH   SOLE   0 0 5,815
PEPSICO INC COM 713448108 447 2,574 SH   SOLE   0 0 2,574
PFIZER INC COM 717081103 623 10,549 SH   SOLE   0 0 10,549
PROCTER AND GAMBLE CO COM 742718109 228 1,393 SH   SOLE   0 0 1,393
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 330 4,953 SH   SOLE   0 0 4,953
S&P GLOBAL INC COM 78409V104 261 552 SH   SOLE   0 0 552
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 767 18,744 SH   SOLE   0 0 18,744
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 679 5,968 SH   SOLE   0 0 5,968
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,630 20,269 SH   SOLE   0 0 20,269
SERITAGE GROWTH PPTYS CL A 81752R100 138 10,427 SH   SOLE   0 0 10,427
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,497 108,389 SH   SOLE   0 0 108,389
SPDR S&P 500 ETF TR TR UNIT 78462F103 5,583 81,129 SH   SOLE   0 0 81,129
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 604 1,167 SH   SOLE   0 0 1,167
SPDR SER TR S&P DIVID ETF 78464A763 629 26,838 SH   SOLE   0 0 26,838
UNITEDHEALTH GROUP INC COM 91324P102 295 587 SH   SOLE   0 0 587
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 113 39,124 SH   SOLE   0 0 39,124
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 626 56,355 SH   SOLE   0 0 56,355
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,048 7,824 SH   SOLE   0 0 7,824
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,295 84,122 SH   SOLE   0 0 84,122
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,962 100,327 SH   SOLE   0 0 100,327
VANGUARD INDEX FDS GROWTH ETF 922908736 2,074 6,462 SH   SOLE   0 0 6,462
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 704 6,279 SH   SOLE   0 0 6,279
VANGUARD INDEX FDS MID CAP ETF 922908629 17,081 67,044 SH   SOLE   0 0 67,044
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 3,758 8,609 SH   SOLE   0 0 8,609
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,453 41,825 SH   SOLE   0 0 41,825
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,158 13,079 SH   SOLE   0 0 13,079
VANGUARD INDEX FDS VALUE ETF 922908744 1,000 6,795 SH   SOLE   0 0 6,795
VERIZON COMMUNICATIONS INC COM 92343V104 319 6,144 SH   SOLE   0 0 6,144
VISA INC COM CL A 92826C839 227 1,049 SH   SOLE   0 0 1,049
YUM BRANDS INC COM 988498101 265 1,906 SH   SOLE   0 0 1,906