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
ALPHABET INC CAP STK CL C 02079K107   292,952 1,597 SH   SOLE   0 0 1,597
ALPHABET INC CAP STK CL A 02079K305   356,774 1,959 SH   SOLE   0 0 1,959
AMAZON COM INC COM 023135106   461,849 2,390 SH   SOLE   60 0 2,330
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,034,497 33,303 SH   SOLE   0 0 33,303
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,050,666 22,856 SH   SOLE   0 0 22,856
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   1,576,726 30,983 SH   SOLE   0 0 30,983
APPLE INC COM 037833100   5,928,415 28,147 SH   SOLE   2,683 0 25,464
BIOLIFE SOLUTIONS INC COM NEW 09062W204   215,436 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   79,443,178 765,496 SH   SOLE   1,232 0 764,264
BNY MELLON ETF TRUST US MDCP CORE EQT 09661T206   406,027 4,307 SH   SOLE   0 0 4,307
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   39,769,428 534,425 SH   SOLE   516 0 533,909
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   11,649,026 281,242 SH   SOLE   0 0 281,242
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   396,775 5,811 SH   SOLE   0 0 5,811
CAMBRIDGE BANCORP COM 132152109   1,920,008 27,826 SH   SOLE   0 0 27,826
META PLATFORMS INC CL A 30303M102   387,957 769 SH   SOLE   0 0 769
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   649,933 15,314 SH   SOLE   4,968 0 10,346
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   6,562,684 203,431 SH   SOLE   0 0 203,431
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   12,615,571 280,783 SH   SOLE   4,294 0 276,489
FIRST MERCHANTS CORP COM 320817109   506,940 15,228 SH   SOLE   0 0 15,228
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   1,784,412 34,947 SH   SOLE   0 0 34,947
FORD MTR CO DEL COM 345370860   630,219 50,257 SH   SOLE   0 0 50,257
INVESCO QQQ TR UNIT SER 1 46090E103   1,283,237 2,678 SH   SOLE   0 0 2,678
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   329,475 14,378 SH   SOLE   0 0 14,378
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   333,793 14,369 SH   SOLE   0 0 14,369
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   406,932 17,331 SH   SOLE   0 0 17,331
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   661,162 28,140 SH   SOLE   0 0 28,140
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   651,662 26,828 SH   SOLE   0 0 26,828
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   561,870 22,638 SH   SOLE   0 0 22,638
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   7,768,931 404,211 SH   SOLE   0 0 404,211
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   8,613,631 449,212 SH   SOLE   0 0 449,212
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   9,214,130 450,569 SH   SOLE   0 0 450,569
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,554,713 73,823 SH   SOLE   0 0 73,823
ISHARES INC MSCI AUST ETF 464286103   1,282,575 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,615,270 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   2,112,863 7,994 SH   SOLE   0 0 7,994
ISHARES TR CORE S&P TTL STK 464287150   4,054,916 34,138 SH   SOLE   5,039 0 29,099
ISHARES TR CORE S&P500 ETF 464287200   1,935,990 3,538 SH   SOLE   425 0 3,113
ISHARES TR CORE US AGGBD ET 464287226   418,934 4,316 SH   SOLE   1,021 0 3,295
ISHARES TR RUS 1000 ETF 464287622   5,753,017 19,335 SH   SOLE   54 0 19,281
ISHARES TR NATIONAL MUN ETF 464288414   216,327 2,030 SH   SOLE   0 0 2,030
ISHARES TR CORE MSCI EAFE 46432F842   330,294 4,547 SH   SOLE   3,845 0 702
ISHARES TR INTERNATIONAL SL 46434V266   252,267 7,827 SH   SOLE   0 0 7,827
ISHARES TR MSCI INTL QUALTY 46434V456   307,548 7,876 SH   SOLE   0 0 7,876
ISHARES TR IBONDS DEC 26 46435U259   1,689,888 66,741 SH   SOLE   0 0 66,741
ISHARES TR IBONDS DEC 27 46435U283   1,173,255 46,911 SH   SOLE   0 0 46,911
ISHARES TR IBONDS DEC 28 46435U325   1,226,603 49,025 SH   SOLE   0 0 49,025
ISHARES TR IBONDS DEC 25 46435U432   2,167,872 81,853 SH   SOLE   3,494 0 78,359
ISHARES TR ESG AWR US AGRGT 46435U549   2,290,229 49,136 SH   SOLE   0 0 49,136
ISHARES TR IBONDS DEC 46435U697   2,970,150 114,039 SH   SOLE   3,573 0 110,466
JPMORGAN CHASE & CO. COM 46625H100   230,576 1,140 SH   SOLE   450 0 690
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   43,777,933 944,915 SH   SOLE   8,790 0 936,125
ELI LILLY & CO COM 532457108   511,540 565 SH   SOLE   415 0 150
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   375,329 13,901 SH   SOLE   0 0 13,901
MCDONALDS CORP COM 580135101   430,170 1,688 SH   SOLE   0 0 1,688
MICROSOFT CORP COM 594918104   1,789,073 4,003 SH   SOLE   998 0 3,005
NVIDIA CORPORATION COM 67066G104   260,716 2,110 SH   SOLE   0 0 2,110
PACER FDS TR US CASH COWS 100 69374H881   1,620,369 29,737 SH   SOLE   0 0 29,737
PIMCO ETF TR MULTISECTOR BD 72201R585   3,334,021 130,032 SH   SOLE   0 0 130,032
PROCTER AND GAMBLE CO COM 742718109   253,745 1,539 SH   SOLE   160 0 1,379
PUTNAM ETF TRUST SUSTAINABLE FUTU 746729201   202,061 8,305 SH   SOLE   0 0 8,305
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   906,618 24,976 SH   SOLE   0 0 24,976
SPDR S&P 500 ETF TR TR UNIT 78462F103   56,020,719 102,938 SH   SOLE   1,032 0 101,906
SPDR GOLD TR GOLD SHS 78463V107   698,352 3,248 SH   SOLE   353 0 2,895
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   204,171 3,493 SH   SOLE   0 0 3,493
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,091,490 173,646 SH   SOLE   6,542 0 167,104
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,624,509 184,317 SH   SOLE   1,759 0 182,558
SPDR SER TR PORTFLI INTRMDIT 78464A672   30,968,019 1,105,211 SH   SOLE   920 0 1,104,291
SPDR SER TR S&P DIVID ETF 78464A763   1,228,927 9,663 SH   SOLE   0 0 9,663
SPDR SER TR PORTFOLI S&P1500 78464A805   11,728,510 176,767 SH   SOLE   0 0 176,767
SPDR SER TR PORTFOLIO S&P400 78464A847   342,012 6,667 SH   SOLE   0 0 6,667
SPDR SER TR PORTFOLIO S&P500 78464A854   3,873,746 60,527 SH   SOLE   0 0 60,527
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,345,336 81,238 SH   SOLE   0 0 81,238
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,535,265 27,623 SH   SOLE   1,155 0 26,468
SPDR SER TR NUVEEN BLMBRG MU 78468R721   206,542 4,515 SH   SOLE   0 0 4,515
SPDR SER TR SPDR MSCI USA GE 78468R747   262,945 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,423,290 9,653 SH   SOLE   0 0 9,653
SPDR SER TR PORTFOLIO S&P600 78468R853   646,645 15,571 SH   SOLE   0 0 15,571
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   599,653 14,189 SH   SOLE   0 0 14,189
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   211,746 3,368 SH   SOLE   0 0 3,368
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   6,946,778 108,121 SH   SOLE   0 0 108,121
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,831,314 28,077 SH   SOLE   0 0 28,077
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,497,739 44,941 SH   SOLE   734 0 44,207
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   502,031 10,580 SH   SOLE   0 0 10,580
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   804,501 10,346 SH   SOLE   0 0 10,346
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   432,796 11,265 SH   SOLE   0 0 11,265
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   8,294,503 170,074 SH   SOLE   0 0 170,074
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   205,310 4,266 SH   SOLE   0 0 4,266
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   206,098 1,414 SH   SOLE   478 0 936
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,657,165 7,325 SH   SOLE   920 0 6,405
SPROTT PHYSICAL GOLD TR UNIT 85207H104   1,962,147 108,646 SH   SOLE   0 0 108,646
VANECK ETF TRUST INFLATION ALLOCA 92189F130   695,615 25,532 SH   SOLE   0 0 25,532
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,859,722 56,110 SH   SOLE   0 0 56,110
VANECK ETF TRUST CLO ETF 92189H748   630,330 11,906 SH   SOLE   0 0 11,906
VANGUARD WORLD FD ESG US STK ETF 921910733   384,934 3,984 SH   SOLE   0 0 3,984
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   396,053 3,339 SH   SOLE   0 0 3,339
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   300,502 7,407 SH   SOLE   0 0 7,407
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,142,103 5,929 SH   SOLE   0 0 5,929
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   214,868 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,219,378 14,558 SH   SOLE   0 0 14,558
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,411,858 5,644 SH   SOLE   0 0 5,644
VANGUARD INDEX FDS MID CAP ETF 922908629   1,969,703 8,136 SH   SOLE   0 0 8,136
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   202,075 1,197 SH   SOLE   0 0 1,197
VANGUARD INDEX FDS GROWTH ETF 922908736   5,146,186 13,759 SH   SOLE   0 0 13,759
VANGUARD INDEX FDS VALUE ETF 922908744   473,938 2,955 SH   SOLE   1,278 0 1,677
VANGUARD INDEX FDS SMALL CP ETF 922908751   234,829 1,077 SH   SOLE   0 0 1,077
VANGUARD INDEX FDS TOTAL STK MKT 922908769   326,630 1,221 SH   SOLE   0 0 1,221
WISDOMTREE TR INTL EQUITY FD 97717W703   223,207 4,155 SH   SOLE   0 0 4,155
WISDOMTREE TR GLB US QTLY DIV 97717W844   4,577,167 117,123 SH   SOLE   0 0 117,123
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,582,588 33,089 SH   SOLE   0 0 33,089
WORLD GOLD TR SPDR GLD MINIS 98149E303   19,146,800 415,422 SH   SOLE   0 0 415,422