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
AMAZON COM INC COM 023135106   239,459 1,837 SH   SOLE   0 0 1,837
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,218,342 41,225 SH   SOLE   0 0 41,225
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,419,123 18,285 SH   SOLE   0 0 18,285
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   1,021,735 20,258 SH   SOLE   0 0 20,258
APPLE INC COM 037833100   2,046,949 10,553 SH   SOLE   0 0 10,553
BIOLIFE SOLUTIONS INC COM NEW 09062W204   222,171 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   60,138,459 721,431 SH   SOLE   0 0 721,431
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   31,481,112 455,112 SH   SOLE   0 0 455,112
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   47,848,388 1,139,247 SH   SOLE   0 0 1,139,247
CAMBRIDGE BANCORP COM 132152109   1,310,820 24,136 SH   SOLE   0 0 24,136
META PLATFORMS INC CL A 30303M102   221,836 773 SH   SOLE   0 0 773
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   470,115 15,802 SH   SOLE   0 0 15,802
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   9,544,950 210,149 SH   SOLE   0 0 210,149
FIRST MERCHANTS CORP COM 320817109   252,884 8,958 SH   SOLE   0 0 8,958
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,245,560 24,577 SH   SOLE   0 0 24,577
FORD MTR CO DEL COM 345370860   826,735 54,642 SH   SOLE   0 0 54,642
INVESCO QQQ TR UNIT SER 1 46090E103   284,559 770 SH   SOLE   0 0 770
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   201,522 8,572 SH   SOLE   0 0 8,572
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   275,683 11,322 SH   SOLE   0 0 11,322
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   219,599 8,866 SH   SOLE   0 0 8,866
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   10,996,623 580,450 SH   SOLE   0 0 580,450
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   12,491,410 620,537 SH   SOLE   0 0 620,537
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   13,194,158 641,427 SH   SOLE   0 0 641,427
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   2,188,738 103,389 SH   SOLE   0 0 103,389
ISHARES GOLD TR ISHARES NEW 464285204   911,933 25,060 SH   SOLE   0 0 25,060
ISHARES INC MSCI AUST ETF 464286103   1,183,875 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,523,815 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   914,767 4,418 SH   SOLE   0 0 4,418
ISHARES TR CORE S&P TTL STK 464287150   3,634,117 37,143 SH   SOLE   0 0 37,143
ISHARES TR CORE S&P500 ETF 464287200   1,455,396 3,265 SH   SOLE   0 0 3,265
ISHARES TR CORE US AGGBD ET 464287226   454,554 4,641 SH   SOLE   0 0 4,641
ISHARES TR NORTH AMERN NAT 464287374   1,804,530 46,485 SH   SOLE   0 0 46,485
ISHARES TR RUS 1000 ETF 464287622   5,627,304 23,087 SH   SOLE   0 0 23,087
ISHARES TR NATIONAL MUN ETF 464288414   498,447 4,670 SH   SOLE   0 0 4,670
ISHARES TR 0-5 YR TIPS ETF 46429B747   278,322 2,852 SH   SOLE   0 0 2,852
ISHARES TR CORE MSCI EAFE 46432F842   301,455 4,466 SH   SOLE   0 0 4,466
ISHARES TR INTERNATIONAL SL 46434V266   531,910 17,242 SH   SOLE   0 0 17,242
ISHARES TR IBONDS DEC2023 46435G318   3,112,043 122,089 SH   SOLE   0 0 122,089
ISHARES TR IBONDS DEC 26 46435U259   1,599,564 63,525 SH   SOLE   0 0 63,525
ISHARES TR IBONDS DEC 27 46435U283   1,150,240 45,890 SH   SOLE   0 0 45,890
ISHARES TR IBONDS DEC 25 46435U432   2,125,258 80,701 SH   SOLE   0 0 80,701
ISHARES TR ESG AWR US AGRGT 46435U549   1,423,614 30,181 SH   SOLE   0 0 30,181
ISHARES TR IBONDS DEC 46435U697   3,098,700 120,291 SH   SOLE   0 0 120,291
LILLY ELI & CO COM 532457108   264,974 565 SH   SOLE   0 0 565
MICROSOFT CORP COM 594918104   1,276,702 3,749 SH   SOLE   0 0 3,749
PFIZER INC COM 717081103   213,184 5,812 SH   SOLE   0 0 5,812
PROCTER AND GAMBLE CO COM 742718109   230,946 1,522 SH   SOLE   0 0 1,522
RAYTHEON TECHNOLOGIES CORP COM 75513E101   201,261 2,055 SH   SOLE   0 0 2,055
SPDR S&P 500 ETF TR TR UNIT 78462F103   41,222,451 92,994 SH   SOLE   0 0 92,994
SPDR GOLD TR GOLD SHS 78463V107   468,137 2,626 SH   SOLE   0 0 2,626
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   236,302 4,263 SH   SOLE   0 0 4,263
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   237,069 6,896 SH   SOLE   0 0 6,896
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,755,795 176,884 SH   SOLE   0 0 176,884
SPDR SER TR PORTFOLIO AGRGTE 78464A649   7,269,112 286,524 SH   SOLE   0 0 286,524
SPDR SER TR PORTFLI INTRMDIT 78464A672   27,878,726 985,462 SH   SOLE   0 0 985,462
SPDR SER TR S&P DIVID ETF 78464A763   1,150,379 9,385 SH   SOLE   0 0 9,385
SPDR SER TR PORTFOLI S&P1500 78464A805   10,514,794 193,145 SH   SOLE   0 0 193,145
SPDR SER TR PORTFOLIO S&P400 78464A847   318,296 6,936 SH   SOLE   0 0 6,936
SPDR SER TR PORTFOLIO S&P500 78464A854   2,814,165 54,004 SH   SOLE   0 0 54,004
SPDR SER TR PORTFOLIO SH TSR 78468R101   3,651,400 126,829 SH   SOLE   0 0 126,829
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   784,604 8,545 SH   SOLE   0 0 8,545
SPDR SER TR NUVEEN BLMBRG MU 78468R721   292,298 6,332 SH   SOLE   0 0 6,332
SPDR SER TR SPDR MSCI USA GE 78468R747   212,793 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   2,137,807 17,386 SH   SOLE   0 0 17,386
SPDR SER TR PORTFOLIO S&P600 78468R853   594,819 15,315 SH   SOLE   0 0 15,315
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   570,326 13,934 SH   SOLE   0 0 13,934
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,047,659 96,385 SH   SOLE   0 0 96,385
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   5,888,412 82,900 SH   SOLE   0 0 82,900
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   380,576 8,689 SH   SOLE   0 0 8,689
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,298,985 31,658 SH   SOLE   0 0 31,658
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   355,281 9,966 SH   SOLE   0 0 9,966
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   231,052 5,005 SH   SOLE   0 0 5,005
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   1,823,656 37,006 SH   SOLE   0 0 37,006
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   411,682 8,566 SH   SOLE   0 0 8,566
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   430,723 2,477 SH   SOLE   0 0 2,477
SPROTT PHYSICAL GOLD TR UNIT 85207H104   12,813,982 858,846 SH   SOLE   0 0 858,846
VANECK ETF TRUST INFLATION ALLOCA 92189F130   3,570,941 142,882 SH   SOLE   0 0 142,882
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,121,597 51,656 SH   SOLE   0 0 51,656
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,270,934 13,981 SH   SOLE   0 0 13,981
VANGUARD WORLD FD ESG US STK ETF 921910733   273,132 3,486 SH   SOLE   0 0 3,486
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   483,695 6,654 SH   SOLE   0 0 6,654
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,444,599 31,282 SH   SOLE   0 0 31,282
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   401,780 3,788 SH   SOLE   0 0 3,788
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,238,563 26,119 SH   SOLE   0 0 26,119
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   280,084 6,969 SH   SOLE   0 0 6,969
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,091,638 5,999 SH   SOLE   0 0 5,999
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,250,810 14,969 SH   SOLE   0 0 14,969
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,292,350 5,625 SH   SOLE   0 0 5,625
VANGUARD INDEX FDS MID CAP ETF 922908629   2,516,509 11,430 SH   SOLE   0 0 11,430
VANGUARD INDEX FDS GROWTH ETF 922908736   4,877,649 17,238 SH   SOLE   0 0 17,238
VANGUARD INDEX FDS VALUE ETF 922908744   234,277 1,649 SH   SOLE   0 0 1,649
VANGUARD INDEX FDS SMALL CP ETF 922908751   213,011 1,071 SH   SOLE   0 0 1,071
VANGUARD INDEX FDS TOTAL STK MKT 922908769   8,503,946 38,605 SH   SOLE   0 0 38,605
WISDOMTREE TR INTL EQUITY FD 97717W703   222,984 4,457 SH   SOLE   0 0 4,457
WISDOMTREE TR GLB US QTLY DIV 97717W844   2,923,351 81,612 SH   SOLE   0 0 81,612
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,237,001 33,558 SH   SOLE   0 0 33,558
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   751,022 14,925 SH   SOLE   0 0 14,925
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,669,423 70,082 SH   SOLE   0 0 70,082