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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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
AMAZON COM INC COM 023135106 213 1,884 SH   SOLE   0 0 1,884
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 1,271 27,662 SH   SOLE   0 0 27,662
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,173 17,736 SH   SOLE   0 0 17,736
APPLE INC COM 037833100 1,524 11,025 SH   SOLE   0 0 11,025
ARCHER DANIELS MIDLAND CO COM 039483102 452 5,624 SH   SOLE   0 0 5,624
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 285 1,068 SH   SOLE   0 0 1,068
BIOLIFE SOLUTIONS INC COM NEW 09062W204 251 11,053 SH   SOLE   0 0 11,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 42,426 638,749 SH   SOLE   0 0 638,749
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404 20,816 388,784 SH   SOLE   0 0 388,784
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 38,359 927,842 SH   SOLE   0 0 927,842
CAMBRIDGE BANCORP COM 132152109 1,464 18,362 SH   SOLE   0 0 18,362
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 226 10,516 SH   SOLE   0 0 10,516
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 9,687 218,038 SH   SOLE   0 0 218,038
FIRST MERCHANTS CORP COM 320817109 346 8,958 SH   SOLE   0 0 8,958
FIRST TR SR FLTG RATE INCOME COM 33733U108 127 12,696 SH   SOLE   0 0 12,696
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 1,194 24,506 SH   SOLE   0 0 24,506
FORD MTR CO DEL COM 345370860 601 53,679 SH   SOLE   0 0 53,679
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 11,287 553,570 SH   SOLE   0 0 553,570
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 12,235 586,255 SH   SOLE   0 0 586,255
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 7,768 366,739 SH   SOLE   0 0 366,739
ISHARES GOLD TR ISHARES NEW 464285204 3,009 95,443 SH   SOLE   0 0 95,443
ISHARES TR S&P 100 ETF 464287101 711 4,377 SH   SOLE   0 0 4,377
ISHARES TR CORE S&P TTL STK 464287150 2,947 37,048 SH   SOLE   0 0 37,048
ISHARES TR CORE S&P500 ETF 464287200 244 679 SH   SOLE   0 0 679
ISHARES TR CORE US AGGBD ET 464287226 446 4,628 SH   SOLE   0 0 4,628
ISHARES TR NORTH AMERN NAT 464287374 1,587 45,661 SH   SOLE   0 0 45,661
ISHARES TR RUS 1000 ETF 464287622 4,931 24,991 SH   SOLE   0 0 24,991
ISHARES TR NATIONAL MUN ETF 464288414 488 4,757 SH   SOLE   0 0 4,757
ISHARES TR 0-5 YR TIPS ETF 46429B747 474 4,932 SH   SOLE   0 0 4,932
ISHARES TR CORE MSCI EAFE 46432F842 218 4,132 SH   SOLE   0 0 4,132
ISHARES TR MSCI INTL SML CP 46434V266 1,502 57,396 SH   SOLE   0 0 57,396
ISHARES TR IBONDS DEC2023 46435G318 2,951 116,899 SH   SOLE   0 0 116,899
ISHARES TR IBONDS DEC2022 46435G755 1,607 62,053 SH   SOLE   0 0 62,053
ISHARES TR IBONDS DEC 26 46435U259 1,100 44,655 SH   SOLE   0 0 44,655
ISHARES TR IBONDS DEC 27 46435U283 1,104 45,252 SH   SOLE   0 0 45,252
ISHARES TR IBONDS DEC 25 46435U432 1,118 43,124 SH   SOLE   0 0 43,124
ISHARES TR ESG AWR US AGRGT 46435U549 1,049 22,591 SH   SOLE   0 0 22,591
ISHARES TR IBONDS DEC 46435U697 2,771 108,656 SH   SOLE   0 0 108,656
MICROSOFT CORP COM 594918104 863 3,707 SH   SOLE   0 0 3,707
NEXGEN ENERGY LTD COM 65340P106 37 10,000 SH   SOLE   0 0 10,000
PFIZER INC COM 717081103 345 7,875 SH   SOLE   0 0 7,875
SPDR S&P 500 ETF TR TR UNIT 78462F103 593 1,661 SH   SOLE   0 0 1,661
SPDR GOLD TR GOLD SHS 78463V107 472 3,052 SH   SOLE   0 0 3,052
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 272 5,360 SH   SOLE   0 0 5,360
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 210 6,749 SH   SOLE   0 0 6,749
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,939 191,421 SH   SOLE   0 0 191,421
SPDR SER TR PORTFOLIO AGRGTE 78464A649 7,396 296,450 SH   SOLE   0 0 296,450
SPDR SER TR S&P DIVID ETF 78464A763 963 8,635 SH   SOLE   0 0 8,635
SPDR SER TR PORTFOLI S&P1500 78464A805 9,075 205,743 SH   SOLE   0 0 205,743
SPDR SER TR PORTFOLIO S&P400 78464A847 264 6,858 SH   SOLE   0 0 6,858
SPDR SER TR PORTFOLIO S&P500 78464A854 2,140 50,962 SH   SOLE   0 0 50,962
SPDR SER TR PORTFOLIO SH TSR 78468R101 26,213 906,713 SH   SOLE   0 0 906,713
SPDR SER TR NUVEEN BLMBRG MU 78468R721 343 7,797 SH   SOLE   0 0 7,797
SPDR SER TR NUVEEN BLMBRG SH 78468R739 242 5,250 SH   SOLE   0 0 5,250
SPDR SER TR MSCI USA STRTGIC 78468R812 3,669 36,123 SH   SOLE   0 0 36,123
SPDR SER TR PORTFOLIO S&P600 78468R853 509 14,947 SH   SOLE   0 0 14,947
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 517 13,446 SH   SOLE   0 0 13,446
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4,590 108,393 SH   SOLE   0 0 108,393
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 3,721 61,479 SH   SOLE   0 0 61,479
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 293 7,753 SH   SOLE   0 0 7,753
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 271 9,618 SH   SOLE   0 0 9,618
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 539 11,897 SH   SOLE   0 0 11,897
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 776 16,082 SH   SOLE   0 0 16,082
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 312 2,630 SH   SOLE   0 0 2,630
SPERO THERAPEUTICS INC COM 84833T103 24 12,000 SH   SOLE   0 0 12,000
SPROTT PHYSICAL GOLD TR UNIT 85207H104 9,689 756,943 SH   SOLE   0 0 756,943
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 125 18,842 SH   SOLE   0 0 18,842
VANECK ETF TRUST INFLATION ALLOCA 92189F130 2,724 119,831 SH   SOLE   0 0 119,831
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 3,138 52,317 SH   SOLE   0 0 52,317
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,837 13,590 SH   SOLE   0 0 13,590
VANGUARD WORLD FD ESG US STK ETF 921910733 233 3,702 SH   SOLE   0 0 3,702
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 588 6,195 SH   SOLE   0 0 6,195
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,291 26,828 SH   SOLE   0 0 26,828
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 315 8,260 SH   SOLE   0 0 8,260
VANGUARD WORLD FDS MATERIALS ETF 92204A801 893 6,019 SH   SOLE   0 0 6,019
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,206 15,048 SH   SOLE   0 0 15,048
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,157 5,929 SH   SOLE   0 0 5,929
VANGUARD INDEX FDS MID CAP ETF 922908629 2,496 13,279 SH   SOLE   0 0 13,279
VANGUARD INDEX FDS GROWTH ETF 922908736 3,904 18,247 SH   SOLE   0 0 18,247
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,602 14,497 SH   SOLE   0 0 14,497
WISDOMTREE TR GLB US QTLY DIV 97717W844 2,073 75,417 SH   SOLE   0 0 75,417
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,746 32,380 SH   SOLE   0 0 32,380
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 1,197 23,816 SH   SOLE   0 0 23,816