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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,142,096 40,755 SH   SOLE   0 0 40,755
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,304,247 18,027 SH   SOLE   0 0 18,027
APPLE INC COM 037833100   1,812,084 11,065 SH   SOLE   0 0 11,065
ARCHER DANIELS MIDLAND CO COM 039483102   893,204 11,248 SH   SOLE   0 0 11,248
BIOLIFE SOLUTIONS INC COM NEW 09062W204   198,748 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   53,767,381 710,269 SH   SOLE   0 0 710,269
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   29,895,025 447,798 SH   SOLE   0 0 447,798
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   47,499,138 1,102,068 SH   SOLE   0 0 1,102,068
BOEING CO COM 097023105   269,474 1,283 SH   SOLE   0 0 1,283
CAMBRIDGE BANCORP COM 132152109   1,532,750 24,134 SH   SOLE   0 0 24,134
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   381,774 15,283 SH   SOLE   0 0 15,283
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   9,531,595 205,378 SH   SOLE   0 0 205,378
FIRST MERCHANTS CORP COM 320817109   283,073 8,958 SH   SOLE   0 0 8,958
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,331,374 26,039 SH   SOLE   0 0 26,039
FORD MTR CO DEL COM 345370860   678,208 54,562 SH   SOLE   0 0 54,562
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   10,586,039 549,704 SH   SOLE   0 0 549,704
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   12,057,928 591,365 SH   SOLE   0 0 591,365
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   12,889,104 624,170 SH   SOLE   0 0 624,170
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   13,320,727 631,015 SH   SOLE   0 0 631,015
ISHARES GOLD TR ISHARES NEW 464285204   1,005,249 26,233 SH   SOLE   0 0 26,233
ISHARES INC MSCI AUST ETF 464286103   1,212,225 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,502,911 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   823,773 4,408 SH   SOLE   0 0 4,408
ISHARES TR CORE S&P TTL STK 464287150   3,352,963 37,321 SH   SOLE   0 0 37,321
ISHARES TR CORE S&P500 ETF 464287200   1,333,991 3,258 SH   SOLE   0 0 3,258
ISHARES TR CORE US AGGBD ET 464287226   463,518 4,611 SH   SOLE   0 0 4,611
ISHARES TR NORTH AMERN NAT 464287374   1,880,233 46,483 SH   SOLE   0 0 46,483
ISHARES TR RUS 1000 ETF 464287622   5,227,509 23,358 SH   SOLE   0 0 23,358
ISHARES TR NATIONAL MUN ETF 464288414   518,107 4,787 SH   SOLE   0 0 4,787
ISHARES TR 0-5 YR TIPS ETF 46429B747   375,198 3,773 SH   SOLE   0 0 3,773
ISHARES TR CORE MSCI EAFE 46432F842   298,775 4,466 SH   SOLE   0 0 4,466
ISHARES TR INTERNATIONAL SL 46434V266   681,321 22,103 SH   SOLE   0 0 22,103
ISHARES TR IBONDS DEC2023 46435G318   3,190,771 125,522 SH   SOLE   0 0 125,522
ISHARES TR IBONDS DEC 26 46435U259   1,585,942 62,096 SH   SOLE   0 0 62,096
ISHARES TR IBONDS DEC 27 46435U283   1,165,696 45,660 SH   SOLE   0 0 45,660
ISHARES TR IBONDS DEC 25 46435U432   2,109,302 79,282 SH   SOLE   0 0 79,282
ISHARES TR ESG AWR US AGRGT 46435U549   1,391,089 28,712 SH   SOLE   0 0 28,712
ISHARES TR IBONDS DEC 46435U697   3,119,072 120,567 SH   SOLE   0 0 120,567
LILLY ELI & CO COM 532457108   204,666 565 SH   SOLE   0 0 565
MICROSOFT CORP COM 594918104   1,065,444 3,747 SH   SOLE   0 0 3,747
NEXGEN ENERGY LTD COM 65340P106   36,200 10,000 SH   SOLE   0 0 10,000
PFIZER INC COM 717081103   451,191 10,859 SH   SOLE   0 0 10,859
PROCTER AND GAMBLE CO COM 742718109   230,118 1,521 SH   SOLE   0 0 1,521
SPDR S&P 500 ETF TR TR UNIT 78462F103   37,842,429 92,842 SH   SOLE   0 0 92,842
SPDR GOLD TR GOLD SHS 78463V107   497,937 2,651 SH   SOLE   0 0 2,651
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   237,143 4,277 SH   SOLE   0 0 4,277
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   232,712 6,836 SH   SOLE   0 0 6,836
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,733,858 178,569 SH   SOLE   0 0 178,569
SPDR SER TR PORTFOLIO AGRGTE 78464A649   7,566,720 290,916 SH   SOLE   0 0 290,916
SPDR SER TR S&P DIVID ETF 78464A763   1,149,060 9,350 SH   SOLE   0 0 9,350
SPDR SER TR PORTFOLI S&P1500 78464A805   9,857,062 196,591 SH   SOLE   0 0 196,591
SPDR SER TR PORTFOLIO S&P400 78464A847   296,346 6,908 SH   SOLE   0 0 6,908
SPDR SER TR PORTFOLIO S&P500 78464A854   2,448,184 51,100 SH   SOLE   0 0 51,100
SPDR SER TR PORTFOLIO SH TSR 78468R101   23,696,550 809,032 SH   SOLE   0 0 809,032
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   585,728 6,399 SH   SOLE   0 0 6,399
SPDR SER TR NUVEEN BLMBRG MU 78468R721   290,252 6,164 SH   SOLE   0 0 6,164
SPDR SER TR MSCI USA STRTGIC 78468R812   2,172,592 18,736 SH   SOLE   0 0 18,736
SPDR SER TR PORTFOLIO S&P600 78468R853   552,674 15,035 SH   SOLE   0 0 15,035
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   563,891 13,767 SH   SOLE   0 0 13,767
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,583,192 95,324 SH   SOLE   0 0 95,324
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,349,391 80,782 SH   SOLE   0 0 80,782
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   337,644 8,282 SH   SOLE   0 0 8,282
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,079,408 28,477 SH   SOLE   0 0 28,477
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   336,187 9,638 SH   SOLE   0 0 9,638
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   262,878 5,554 SH   SOLE   0 0 5,554
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   440,941 9,023 SH   SOLE   0 0 9,023
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   371,277 2,505 SH   SOLE   0 0 2,505
SPROTT PHYSICAL GOLD TR UNIT 85207H104   13,265,554 839,061 SH   SOLE   0 0 839,061
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   161,853 18,842 SH   SOLE   0 0 18,842
VANECK ETF TRUST INFLATION ALLOCA 92189F130   3,514,708 137,026 SH   SOLE   0 0 137,026
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   3,748,127 51,763 SH   SOLE   0 0 51,763
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,158,671 13,991 SH   SOLE   0 0 13,991
VANGUARD WORLD FD ESG US STK ETF 921910733   252,395 3,557 SH   SOLE   0 0 3,557
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   483,086 6,488 SH   SOLE   0 0 6,488
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,501,500 33,234 SH   SOLE   0 0 33,234
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   399,297 3,769 SH   SOLE   0 0 3,769
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,278,635 26,666 SH   SOLE   0 0 26,666
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   285,015 6,972 SH   SOLE   0 0 6,972
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,052,335 6,001 SH   SOLE   0 0 6,001
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,226,223 14,985 SH   SOLE   0 0 14,985
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,188,028 5,638 SH   SOLE   0 0 5,638
VANGUARD INDEX FDS MID CAP ETF 922908629   2,372,208 11,465 SH   SOLE   0 0 11,465
VANGUARD INDEX FDS GROWTH ETF 922908736   4,328,167 17,608 SH   SOLE   0 0 17,608
VANGUARD INDEX FDS SMALL CP ETF 922908751   216,700 1,173 SH   SOLE   0 0 1,173
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,704,665 38,042 SH   SOLE   0 0 38,042
WISDOMTREE TR INTL EQUITY FD 97717W703   227,481 4,556 SH   SOLE   0 0 4,556
WISDOMTREE TR GLB US QTLY DIV 97717W844   2,757,136 77,819 SH   SOLE   0 0 77,819
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,129,413 34,274 SH   SOLE   0 0 34,274
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   697,597 13,863 SH   SOLE   0 0 13,863
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,602,811 64,908 SH   SOLE   0 0 64,908