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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 281 1,996 SH   SOLE   0 0 1,996
ABBVIE INC COM 00287Y109 644 4,753 SH   SOLE   0 0 4,753
ADOBE SYSTEMS INCORPORATED COM 00724F101 526 928 SH   SOLE   0 0 928
ALPHABET INC CAP STK CL C 02079K107 1,467 507 SH   SOLE   0 0 507
AMAZON COM INC COM 023135106 601 180 SH   SOLE   0 0 180
AMERICAN EXPRESS CO COM 025816109 1,485 9,075 SH   SOLE   0 0 9,075
AMERICAN TOWER CORP NEW COM 03027X100 203 695 SH   SOLE   0 0 695
AMES NATL CORP COM 031001100 931 38,000 SH   SOLE   0 0 38,000
AMGEN INC COM 031162100 677 3,010 SH   SOLE   0 0 3,010
APPLE INC COM 037833100 9,865 55,553 SH   SOLE   0 0 55,553
BANKWELL FINL GROUP INC COM 06654A103 263 8,000 SH   SOLE   0 0 8,000
BAR HBR BANKSHARES COM 066849100 606 20,959 SH   SOLE   0 0 20,959
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 329 1,102 SH   SOLE   0 0 1,102
BK OF AMERICA CORP COM 060505104 612 13,761 SH   SOLE   0 0 13,761
BLACKROCK INC COM 09247X101 975 1,065 SH   SOLE   0 0 1,065
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 309 11,810 SH   SOLE   0 0 11,810
BLACKSTONE INC COM 09260D107 291 2,250 SH   SOLE   0 0 2,250
BOEING CO COM 097023105 253 1,256 SH   SOLE   0 0 1,256
BOSTON PROPERTIES INC COM 101121101 675 5,860 SH   SOLE   0 0 5,860
BRISTOL-MYERS SQUIBB CO COM 110122108 458 7,339 SH   SOLE   0 0 7,339
BRUNSWICK CORP COM 117043109 710 7,051 SH   SOLE   0 0 7,051
CAMBRIDGE BANCORP COM 132152109 1,053 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108 1,164 24,168 SH   SOLE   0 0 24,168
COMMUNITY BK SYS INC COM 203607106 386 5,189 SH   SOLE   0 0 5,189
CORNING INC COM 219350105 233 6,270 SH   SOLE   0 0 6,270
COSTCO WHSL CORP NEW COM 22160K105 2,035 3,585 SH   SOLE   0 0 3,585
CVS HEALTH CORP COM 126650100 534 5,176 SH   SOLE   0 0 5,176
DELTA AIR LINES INC DEL COM NEW 247361702 615 15,738 SH   SOLE   0 0 15,738
DISNEY WALT CO COM 254687106 3,435 22,174 SH   SOLE   0 0 22,174
DNP SELECT INCOME FD INC COM 23325P104 1,223 112,505 SH   SOLE   0 0 112,505
DUKE ENERGY CORP NEW COM NEW 26441C204 430 4,098 SH   SOLE   0 0 4,098
ENTERPRISE BANCORP INC MASS COM 293668109 1,442 32,098 SH   SOLE   0 0 32,098
ETF SER SOLUTIONS US GLB JETS 26922A842 275 13,016 SH   SOLE   0 0 13,016
FERRARI N V COM N3167Y103 268 1,037 SH   SOLE   0 0 1,037
FORD MTR CO DEL COM 345370860 1,164 56,030 SH   SOLE   0 0 56,030
GENERAL MTRS CO COM 37045V100 859 14,648 SH   SOLE   0 0 14,648
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 269 11,325 SH   SOLE   0 0 11,325
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105 429 25,695 SH   SOLE   0 0 25,695
HANOVER INS GROUP INC COM 410867105 242 1,850 SH   SOLE   0 0 1,850
HELIX ENERGY SOLUTIONS GRP I COM 42330P107 64 20,500 SH   SOLE   0 0 20,500
HOME DEPOT INC COM 437076102 5,004 12,057 SH   SOLE   0 0 12,057
HONEYWELL INTL INC COM 438516106 1,094 5,249 SH   SOLE   0 0 5,249
ILLINOIS TOOL WKS INC COM 452308109 432 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108 716 8,777 SH   SOLE   0 0 8,777
INVESCO QQQ TR UNIT SER 1 46090E103 2,667 6,703 SH   SOLE   0 0 6,703
ISHARES TR SELECT DIVID ETF 464287168 421 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200 2,531 5,306 SH   SOLE   0 0 5,306
ISHARES TR CORE US AGGBD ET 464287226 244 2,140 SH   SOLE   0 0 2,140
ISHARES TR S&P 500 GRWT ETF 464287309 13,420 160,387 SH   SOLE   0 0 160,387
ISHARES TR S&P 500 VAL ETF 464287408 1,122 7,166 SH   SOLE   0 0 7,166
ISHARES TR RUS MDCP VAL ETF 464287473 484 3,958 SH   SOLE   0 0 3,958
ISHARES TR RUS MD CP GR ETF 464287481 2,306 20,018 SH   SOLE   0 0 20,018
ISHARES TR RUS MID CAP ETF 464287499 668 8,051 SH   SOLE   0 0 8,051
ISHARES TR CORE S&P MCP ETF 464287507 799 2,822 SH   SOLE   0 0 2,822
ISHARES TR S&P MC 400GR ETF 464287606 366 4,295 SH   SOLE   0 0 4,295
ISHARES TR RUS 2000 GRW ETF 464287648 1,107 3,776 SH   SOLE   0 0 3,776
ISHARES TR CORE S&P US VLU 464287663 5,779 75,701 SH   SOLE   0 0 75,701
ISHARES TR U.S. UTILITS ETF 464287697 325 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804 302 2,635 SH   SOLE   0 0 2,635
ISHARES TR S&P SML 600 GWT 464287887 1,346 9,699 SH   SOLE   0 0 9,699
ISHARES TR SHRT NAT MUN ETF 464288158 207 1,929 SH   SOLE   0 0 1,929
ISHARES TR NEW YORK MUN ETF 464288323 335 5,785 SH   SOLE   0 0 5,785
ISHARES TR CALIF MUN BD ETF 464288356 812 13,026 SH   SOLE   0 0 13,026
ISHARES TR NATIONAL MUN ETF 464288414 1,681 14,457 SH   SOLE   0 0 14,457
ISHARES TR ISHS 5-10YR INVT 464288638 1,024 17,272 SH   SOLE   0 0 17,272
ISHARES TR ISHS 1-5YR INVS 464288646 8,673 160,961 SH   SOLE   0 0 160,961
ISHARES TR PFD AND INCM SEC 464288687 256 6,485 SH   SOLE   0 0 6,485
ISHARES TR US HOME CONS ETF 464288752 1,003 12,102 SH   SOLE   0 0 12,102
ISHARES TR US HLTHCR PR ETF 464288828 983 3,386 SH   SOLE   0 0 3,386
ISHARES TR MSCI USA MIN VOL 46429B697 337 4,165 SH   SOLE   0 0 4,165
ISHARES TR CORE MSCI TOTAL 46432F834 5,513 77,709 SH   SOLE   0 0 77,709
ISHARES TR CORE MSCI EAFE 46432F842 302 4,044 SH   SOLE   0 0 4,044
ISHARES TR CORE 1 5 YR USD 46432F859 9,003 178,533 SH   SOLE   0 0 178,533
ISHARES TR 0-5YR INVT GR CP 46434V100 908 17,786 SH   SOLE   0 0 17,786
ISHARES TR 0-5YR HI YL CP 46434V407 428 9,444 SH   SOLE   0 0 9,444
ISHARES TR IBONDS DEC2023 46435G318 283 10,935 SH   SOLE   0 0 10,935
ISHARES TR SELF DRIVNG EV 46435U366 878 16,181 SH   SOLE   0 0 16,181
ISHARES TR IBONDS DEC 46435U697 248 9,265 SH   SOLE   0 0 9,265
JOHNSON & JOHNSON COM 478160104 2,713 15,857 SH   SOLE   0 0 15,857
JPMORGAN CHASE & CO COM 46625H100 1,759 11,108 SH   SOLE   0 0 11,108
LILLY ELI & CO COM 532457108 1,729 6,258 SH   SOLE   0 0 6,258
LOCKHEED MARTIN CORP COM 539830109 200 563 SH   SOLE   0 0 563
LULULEMON ATHLETICA INC COM 550021109 1,406 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202 533 3,225 SH   SOLE   0 0 3,225
MATCH GROUP INC NEW COM 57667L107 565 4,271 SH   SOLE   0 0 4,271
MCDONALDS CORP COM 580135101 1,855 6,918 SH   SOLE   0 0 6,918
MERCK & CO INC COM 58933Y105 537 7,010 SH   SOLE   0 0 7,010
META PLATFORMS INC CL A 30303M102 1,838 5,466 SH   SOLE   0 0 5,466
MICROCHIP TECHNOLOGY INC. COM 595017104 1,107 12,714 SH   SOLE   0 0 12,714
MICROSOFT CORP COM 594918104 5,567 16,553 SH   SOLE   0 0 16,553
MODERNA INC COM 60770K107 1,243 4,895 SH   SOLE   0 0 4,895
NEXTERA ENERGY INC COM 65339F101 1,091 11,685 SH   SOLE   0 0 11,685
NIKE INC CL B 654106103 1,898 11,385 SH   SOLE   0 0 11,385
NVIDIA CORPORATION COM 67066G104 475 1,615 SH   SOLE   0 0 1,615
OCEANFIRST FINL CORP COM 675234108 919 41,407 SH   SOLE   0 0 41,407
PAYPAL HLDGS INC COM 70450Y103 955 5,065 SH   SOLE   0 0 5,065
PEPSICO INC COM 713448108 1,230 7,078 SH   SOLE   0 0 7,078
PFIZER INC COM 717081103 368 6,225 SH   SOLE   0 0 6,225
PIMCO HIGH INCOME FD COM SHS 722014107 197 32,100 SH   SOLE   0 0 32,100
PROCTER AND GAMBLE CO COM 742718109 558 3,411 SH   SOLE   0 0 3,411
SAFETY INS GROUP INC COM 78648T100 2,477 29,132 SH   SOLE   0 0 29,132
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 269 1,550 SH   SOLE   0 0 1,550
SIMON PPTY GROUP INC NEW COM 828806109 1,195 7,476 SH   SOLE   0 0 7,476
SPDR S&P 500 ETF TR TR UNIT 78462F103 940 1,978 SH   SOLE   0 0 1,978
SPDR SER TR S&P HOMEBUILD 78464A888 507 5,916 SH   SOLE   0 0 5,916
STARBUCKS CORP COM 855244109 2,500 21,371 SH   SOLE   0 0 21,371
SYSCO CORP COM 871829107 442 5,633 SH   SOLE   0 0 5,633
TJX COS INC NEW COM 872540109 262 3,455 SH   SOLE   0 0 3,455
TRACTOR SUPPLY CO COM 892356106 286 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108 799 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106 834 3,889 SH   SOLE   0 0 3,889
VAIL RESORTS INC COM 91879Q109 1,563 4,766 SH   SOLE   0 0 4,766
VANGUARD BD INDEX FDS INTERMED TERM 921937819 239 2,730 SH   SOLE   0 0 2,730
VANGUARD INDEX FDS SML CP GRW ETF 922908595 774 2,747 SH   SOLE   0 0 2,747
VANGUARD INDEX FDS GROWTH ETF 922908736 993 3,093 SH   SOLE   0 0 3,093
VANGUARD INDEX FDS VALUE ETF 922908744 349 2,370 SH   SOLE   0 0 2,370
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,630 44,666 SH   SOLE   0 0 44,666
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 611 6,585 SH   SOLE   0 0 6,585
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 251 1,464 SH   SOLE   0 0 1,464
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 276 2,862 SH   SOLE   0 0 2,862
VANGUARD WORLD FDS UTILITIES ETF 92204A876 833 5,323 SH   SOLE   0 0 5,323
VISA INC COM CL A 92826C839 1,404 6,481 SH   SOLE   0 0 6,481
WALMART INC COM 931142103 214 1,478 SH   SOLE   0 0 1,478
WEC ENERGY GROUP INC COM 92939U106 421 4,337 SH   SOLE   0 0 4,337
YUM BRANDS INC COM 988498101 414 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103 1,752 7,181 SH   SOLE   0 0 7,181