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
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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
ADOBE SYSTEMS INCORPORATED COM 00724F101 366 1,000 SH   SOLE   0 0 1,000
ALPHABET INC CAP STK CL C 02079K107 387 177 SH   SOLE   0 0 177
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1,370 26,339 SH   SOLE   0 0 26,339
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,148 16,786 SH   SOLE   0 0 16,786
APPLE INC COM 037833100 1,664 12,171 SH   SOLE   0 0 12,171
ARCHER DANIELS MIDLAND CO COM 039483102 436 5,624 SH   SOLE   0 0 5,624
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 216 792 SH   SOLE   0 0 792
BIOLIFE SOLUTIONS INC COM NEW 09062W204 153 11,053 SH   SOLE   0 0 11,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 41,609 595,326 SH   SOLE   0 0 595,325
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404 21,920 362,379 SH   SOLE   0 0 362,378
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 38,343 877,814 SH   SOLE   0 0 877,813
CAMBRIDGE BANCORP COM 132152109 1,519 18,362 SH   SOLE   0 0 18,362
DISNEY WALT CO COM 254687106 211 2,231 SH   SOLE   0 0 2,230
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,810 210,841 SH   SOLE   0 0 210,841
FIRST MERCHANTS CORP COM 320817109 319 8,958 SH   SOLE   0 0 8,958
FIRST TR SR FLTG RATE INCOME COM 33733U108 124 12,435 SH   SOLE   0 0 12,435
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 1,145 22,622 SH   SOLE   0 0 22,622
FOCUS FINL PARTNERS INC COM CL A 34417P100 1,626 47,744 SH   SOLE   0 0 47,744
FORD MTR CO DEL COM 345370860 929 83,493 SH   SOLE   0 0 83,493
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 11,104 535,415 SH   SOLE   0 0 535,414
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 12,539 598,544 SH   SOLE   0 0 598,543
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 8,321 392,695 SH   SOLE   0 0 392,695
ISHARES TR S&P 100 ETF 464287101 752 4,362 SH   SOLE   0 0 4,361
ISHARES TR CORE S&P TTL STK 464287150 3,117 37,202 SH   SOLE   0 0 37,201
ISHARES TR CORE S&P500 ETF 464287200 226 595 SH   SOLE   0 0 594
ISHARES TR CORE US AGGBD ET 464287226 1,990 19,568 SH   SOLE   0 0 19,567
ISHARES TR NORTH AMERN NAT 464287374 1,432 39,793 SH   SOLE   0 0 39,792
ISHARES TR MSCI EAFE ETF 464287465 687 11,001 SH   SOLE   0 0 11,000
ISHARES TR CORE S&P MCP ETF 464287507 741 3,275 SH   SOLE   0 0 3,275
ISHARES TR RUS 1000 ETF 464287622 6,128 29,494 SH   SOLE   0 0 29,494
ISHARES TR NATIONAL MUN ETF 464288414 505 4,745 SH   SOLE   0 0 4,744
ISHARES TR 0-5 YR TIPS ETF 46429B747 554 5,465 SH   SOLE   0 0 5,464
ISHARES TR CORE MSCI EAFE 46432F842 256 4,343 SH   SOLE   0 0 4,343
ISHARES TR MSCI INTL SML CP 46434V266 1,599 55,490 SH   SOLE   0 0 55,490
ISHARES TR IBONDS DEC2023 46435G318 2,942 115,386 SH   SOLE   0 0 115,385
ISHARES TR IBONDS DEC2022 46435G755 2,767 106,791 SH   SOLE   0 0 106,791
ISHARES TR IBONDS DEC 26 46435U259 995 39,279 SH   SOLE   0 0 39,278
ISHARES TR IBONDS DEC 25 46435U432 1,141 42,862 SH   SOLE   0 0 42,861
ISHARES TR ESG AWR US AGRGT 46435U549 914 18,683 SH   SOLE   0 0 18,682
ISHARES TR IBONDS DEC 46435U697 2,788 107,231 SH   SOLE   0 0 107,231
MICROSOFT CORP COM 594918104 861 3,351 SH   SOLE   0 0 3,351
NOVO-NORDISK A S ADR 670100205 286 2,563 SH   SOLE   0 0 2,563
PFIZER INC COM 717081103 416 7,930 SH   SOLE   0 0 7,929
PROCTER AND GAMBLE CO COM 742718109 210 1,459 SH   SOLE   0 0 1,459
QUALCOMM INC COM 747525103 443 3,469 SH   SOLE   0 0 3,469
SPDR S&P 500 ETF TR TR UNIT 78462F103 494 1,309 SH   SOLE   0 0 1,309
SPDR GOLD TR GOLD SHS 78463V107 452 2,684 SH   SOLE   0 0 2,684
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 342 6,058 SH   SOLE   0 0 6,058
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,755 199,558 SH   SOLE   0 0 199,557
SPDR SER TR PORTFOLIO AGRGTE 78464A649 8,294 314,753 SH   SOLE   0 0 314,753
SPDR SER TR S&P DIVID ETF 78464A763 1,038 8,742 SH   SOLE   0 0 8,741
SPDR SER TR PORTFOLI S&P1500 78464A805 9,800 210,833 SH   SOLE   0 0 210,833
SPDR SER TR PORTFOLIO S&P400 78464A847 271 6,826 SH   SOLE   0 0 6,826
SPDR SER TR PORTFOLIO S&P500 78464A854 2,024 45,645 SH   SOLE   0 0 45,644
SPDR SER TR PORTFOLIO SH TSR 78468R101 25,338 860,390 SH   SOLE   0 0 860,390
SPDR SER TR NUVEEN BLMBRG MU 78468R721 357 7,778 SH   SOLE   0 0 7,778
SPDR SER TR NUVEEN BLMBRG SH 78468R739 253 5,343 SH   SOLE   0 0 5,342
SPDR SER TR MSCI USA STRTGIC 78468R812 3,931 36,384 SH   SOLE   0 0 36,383
SPDR SER TR PORTFOLIO S&P600 78468R853 536 14,901 SH   SOLE   0 0 14,901
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 549 13,308 SH   SOLE   0 0 13,308
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,074 113,607 SH   SOLE   0 0 113,607
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,694 58,892 SH   SOLE   0 0 58,892
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 302 7,756 SH   SOLE   0 0 7,756
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 304 9,665 SH   SOLE   0 0 9,664
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 839 17,518 SH   SOLE   0 0 17,517
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,085 22,055 SH   SOLE   0 0 22,054
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 334 2,627 SH   SOLE   0 0 2,627
SPERO THERAPEUTICS INC COM 84833T103 31 42,000 SH   SOLE   0 0 42,000
SPROTT PHYSICAL GOLD TR UNIT 85207H104 10,739 757,361 SH   SOLE   0 0 757,361
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 130 18,842 SH   SOLE   0 0 18,842
UBER TECHNOLOGIES INC COM 90353T100 205 10,000 SH   SOLE   0 0 10,000
VANECK ETF TRUST INFLATION ALLOCA 92189F130 2,786 112,556 SH   SOLE   0 0 112,556
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 3,245 50,915 SH   SOLE   0 0 50,914
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,884 13,134 SH   SOLE   0 0 13,134
VANGUARD WORLD FD ESG US STK ETF 921910733 202 3,042 SH   SOLE   0 0 3,042
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 630 6,199 SH   SOLE   0 0 6,198
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,346 26,856 SH   SOLE   0 0 26,856
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 367 8,284 SH   SOLE   0 0 8,284
VANGUARD WORLD FDS MATERIALS ETF 92204A801 966 6,030 SH   SOLE   0 0 6,030
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,389 15,241 SH   SOLE   0 0 15,241
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,162 5,899 SH   SOLE   0 0 5,899
VANGUARD INDEX FDS MID CAP ETF 922908629 2,370 12,034 SH   SOLE   0 0 12,034
VANGUARD INDEX FDS GROWTH ETF 922908736 3,665 16,445 SH   SOLE   0 0 16,445
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,715 14,396 SH   SOLE   0 0 14,396
WISDOMTREE TR INTL EQUITY FD 97717W703 226 4,964 SH   SOLE   0 0 4,964
WISDOMTREE TR GLB US QTLY DIV 97717W844 2,279 71,901 SH   SOLE   0 0 71,900
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,945 33,942 SH   SOLE   0 0 33,941
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 1,151 22,864 SH   SOLE   0 0 22,864