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
ABBVIE INC COM 00287Y109   230,610 1,168 SH   SOLE   325 0 843
ALPHABET INC CAP STK CL C 02079K107   233,623 1,397 SH   SOLE   0 0 1,397
ALPHABET INC CAP STK CL A 02079K305   366,962 2,213 SH   SOLE   0 0 2,213
AMAZON COM INC COM 023135106   392,952 2,109 SH   SOLE   62 0 2,047
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,161,493 33,460 SH   SOLE   0 0 33,460
AMERICAN CENTY ETF TR US SML CP VALU 025072877   2,239,566 23,341 SH   SOLE   0 0 23,341
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   751,401 14,684 SH   SOLE   0 0 14,684
APPLE INC COM 037833100   6,501,502 27,903 SH   SOLE   2,683 0 25,220
BIOLIFE SOLUTIONS INC COM NEW 09062W204   251,727 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   87,266,694 796,520 SH   SOLE   1,881 0 794,638
BNY MELLON ETF TRUST US MDCP CORE EQT 09661T206   503,353 4,936 SH   SOLE   0 0 4,936
BNY MELLON ETF TRUST US SMLCP CORE 09661T305   261,441 2,577 SH   SOLE   0 0 2,577
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   43,700,754 551,986 SH   SOLE   519 0 551,467
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   12,852,435 297,855 SH   SOLE   0 0 297,855
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   591,118 8,168 SH   SOLE   0 0 8,168
EASTERN BANKSHARES INC COM 27627N105   2,048,404 124,979 SH   SOLE   0 0 124,979
META PLATFORMS INC CL A 30303M102   457,738 800 SH   SOLE   0 0 800
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   654,999 15,314 SH   SOLE   4,968 0 10,346
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   7,427,886 223,866 SH   SOLE   0 0 223,866
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   13,698,902 293,087 SH   SOLE   4,944 0 288,143
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   2,047,667 39,409 SH   SOLE   0 0 39,409
FORD MTR CO COM 345370860   531,041 50,288 SH   SOLE   0 0 50,288
INVESCO QQQ TR UNIT SER 1 46090E103   1,415,312 2,900 SH   SOLE   0 0 2,900
INVESCO EXCH TRD SLF IDX FD BULSHS 2029 MUNI 46138J478   455,057 19,556 SH   SOLE   0 0 19,556
INVESCO EXCH TRD SLF IDX FD BULSHS 2028 MUNI 46138J486   459,622 19,492 SH   SOLE   0 0 19,492
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 MUNI 46138J494   471,627 19,900 SH   SOLE   0 0 19,900
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   732,586 30,859 SH   SOLE   0 0 30,859
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   719,770 29,390 SH   SOLE   0 0 29,390
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   624,106 25,145 SH   SOLE   0 0 25,145
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   7,713,081 391,130 SH   SOLE   0 0 391,130
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   8,211,809 419,827 SH   SOLE   0 0 419,827
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   8,682,664 420,468 SH   SOLE   0 0 420,468
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   1,232,366 58,351 SH   SOLE   0 0 58,351
ISHARES GOLD TR ISHARES NEW 464285204   539,991 10,865 SH   SOLE   0 0 10,865
ISHARES INC MSCI AUST ETF 464286103   1,423,275 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,808,196 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   2,506,151 9,055 SH   SOLE   0 0 9,055
ISHARES TR CORE S&P TTL STK 464287150   3,646,121 29,025 SH   SOLE   5,039 0 23,986
ISHARES TR CORE S&P500 ETF 464287200   2,048,264 3,551 SH   SOLE   425 0 3,126
ISHARES TR CORE US AGGBD ET 464287226   453,721 4,480 SH   SOLE   1,210 0 3,270
ISHARES TR RUS 1000 ETF 464287622   5,928,380 18,857 SH   SOLE   54 0 18,803
ISHARES TR CORE MSCI EAFE 46432F842   356,298 4,565 SH   SOLE   3,845 0 720
ISHARES TR INTERNATIONAL SL 46434V266   273,405 7,756 SH   SOLE   0 0 7,756
ISHARES TR MSCI INTL QUALTY 46434V456   379,665 9,151 SH   SOLE   0 0 9,151
ISHARES TR IBONDS DEC 26 46435U259   1,726,948 67,314 SH   SOLE   0 0 67,314
ISHARES TR IBONDS DEC 27 46435U283   1,253,368 49,248 SH   SOLE   0 0 49,248
ISHARES TR IBONDS DEC 28 46435U325   1,263,840 49,311 SH   SOLE   0 0 49,311
ISHARES TR IBONDS DEC 25 46435U432   2,188,438 82,087 SH   SOLE   3,512 0 78,575
ISHARES TR ESG AWR US AGRGT 46435U549   2,700,298 55,573 SH   SOLE   0 0 55,573
ISHARES TR IBONDS DEC 46435U697   2,982,588 114,275 SH   SOLE   3,593 0 110,682
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   210,697 3,541 SH   SOLE   0 0 3,541
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   48,113,123 997,370 SH   SOLE   8,790 0 988,580
ELI LILLY & CO COM 532457108   573,203 647 SH   SOLE   415 0 232
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   445,181 15,626 SH   SOLE   0 0 15,626
MCDONALDS CORP COM 580135101   514,013 1,688 SH   SOLE   0 0 1,688
MICROSOFT CORP COM 594918104   4,660,351 10,830 SH   SOLE   998 0 9,833
NVIDIA CORPORATION COM 67066G104   261,142 2,150 SH   SOLE   0 0 2,150
PACER FDS TR US CASH COWS 100 69374H881   1,947,055 33,669 SH   SOLE   0 0 33,669
PIMCO ETF TR MULTISECTOR BD 72201R585   4,571,590 171,542 SH   SOLE   0 0 171,542
PROCTER AND GAMBLE CO COM 742718109   233,692 1,349 SH   SOLE   160 0 1,189
PUTNAM ETF TRUST SUSTAINABLE FUTU 746729201   209,035 8,305 SH   SOLE   0 0 8,305
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   1,147,409 30,243 SH   SOLE   0 0 30,243
SPDR S&P 500 ETF TR TR UNIT 78462F103   58,730,324 102,360 SH   SOLE   1,033 0 101,328
SPDR GOLD TR GOLD SHS 78463V107   793,591 3,265 SH   SOLE   370 0 2,895
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   219,592 3,493 SH   SOLE   0 0 3,493
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,360,623 169,346 SH   SOLE   6,677 0 162,669
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,727,294 180,845 SH   SOLE   1,775 0 179,071
SPDR SER TR PORTFLI INTRMDIT 78464A672   34,012,494 1,170,423 SH   SOLE   1,098 0 1,169,325
SPDR SER TR S&P DIVID ETF 78464A763   1,205,616 8,488 SH   SOLE   0 0 8,488
SPDR SER TR PORTFOLI S&P1500 78464A805   12,258,255 174,968 SH   SOLE   0 0 174,968
SPDR SER TR PORTFOLIO S&P400 78464A847   365,859 6,691 SH   SOLE   0 0 6,691
SPDR SER TR PORTFOLIO S&P500 78464A854   3,130,055 46,364 SH   SOLE   0 0 46,364
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,423,376 82,400 SH   SOLE   0 0 82,400
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   2,377,986 25,901 SH   SOLE   715 0 25,186
SPDR SER TR SPDR MSCI USA GE 78468R747   274,547 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,421,729 9,024 SH   SOLE   0 0 9,024
SPDR SER TR PORTFOLIO S&P600 78468R853   545,989 11,997 SH   SOLE   0 0 11,997
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   625,418 14,381 SH   SOLE   0 0 14,381
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   224,039 3,368 SH   SOLE   0 0 3,368
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   7,348,338 108,303 SH   SOLE   0 0 108,303
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,904,207 27,877 SH   SOLE   0 0 27,877
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,051,483 36,725 SH   SOLE   739 0 35,986
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   386,477 7,504 SH   SOLE   0 0 7,504
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   693,237 8,201 SH   SOLE   0 0 8,201
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   464,976 11,308 SH   SOLE   0 0 11,308
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   9,728,707 192,267 SH   SOLE   0 0 192,267
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   212,414 4,337 SH   SOLE   0 0 4,337
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   218,103 1,416 SH   SOLE   479 0 937
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,654,127 7,327 SH   SOLE   920 0 6,407
SPROTT PHYSICAL GOLD TR UNIT 85207H104   1,797,455 88,197 SH   SOLE   0 0 88,197
VANECK ETF TRUST INFLATION ALLOCA 92189F130   515,119 17,800 SH   SOLE   0 0 17,800
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   5,598,710 57,748 SH   SOLE   0 0 57,748
VANECK ETF TRUST CLO ETF 92189H748   642,416 12,112 SH   SOLE   0 0 12,112
VANGUARD WORLD FD ESG US STK ETF 921910733   404,974 3,984 SH   SOLE   0 0 3,984
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   287,087 2,239 SH   SOLE   0 0 2,239
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   347,462 7,407 SH   SOLE   0 0 7,407
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,253,806 5,929 SH   SOLE   0 0 5,929
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   311,848 3,490 SH   SOLE   0 0 3,490
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   227,888 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,420,500 14,581 SH   SOLE   0 0 14,581
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,478,451 5,530 SH   SOLE   0 0 5,530
VANGUARD INDEX FDS MID CAP ETF 922908629   2,069,048 7,842 SH   SOLE   0 0 7,842
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   221,231 1,216 SH   SOLE   0 0 1,216
VANGUARD INDEX FDS GROWTH ETF 922908736   5,139,581 13,387 SH   SOLE   0 0 13,387
VANGUARD INDEX FDS VALUE ETF 922908744   528,689 3,029 SH   SOLE   1,309 0 1,719
VANGUARD INDEX FDS SMALL CP ETF 922908751   264,252 1,114 SH   SOLE   0 0 1,114
VANGUARD INDEX FDS TOTAL STK MKT 922908769   362,780 1,281 SH   SOLE   0 0 1,281
WISDOMTREE TR INTL EQUITY FD 97717W703   220,269 3,827 SH   SOLE   0 0 3,827
WISDOMTREE TR GLB US QTLY DIV 97717W844   4,655,796 118,182 SH   SOLE   0 0 118,182
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,491,883 29,947 SH   SOLE   0 0 29,947
WORLD GOLD TR SPDR GLD MINIS 98149E303   22,170,211 425,287 SH   SOLE   0 0 425,287