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 233 2,011 SH   SOLE   0 0 2,011
ABBVIE INC COM 00287Y109 503 4,468 SH   SOLE   0 0 4,468
ADOBE SYSTEMS INCORPORATED COM 00724F101 543 928 SH   SOLE   0 0 928
ALPHABET INC CAP STK CL C 02079K107 1,328 530 SH   SOLE   0 0 530
AMAZON COM INC COM 023135106 612 178 SH   SOLE   0 0 178
AMERICAN EXPRESS CO COM 025816109 1,552 9,394 SH   SOLE   0 0 9,394
AMERICAN TOWER CORP NEW COM 03027X100 202 749 SH   SOLE   0 0 749
AMGEN INC COM 031162100 734 3,010 SH   SOLE   0 0 3,010
APPLE INC COM 037833100 8,020 58,560 SH   SOLE   0 0 58,560
BANKWELL FINL GROUP INC COM 06654A103 205 7,400 SH   SOLE   0 0 7,400
BAR HBR BANKSHARES COM 066849100 600 20,959 SH   SOLE   0 0 20,959
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 266 958 SH   SOLE   0 0 958
BERKSHIRE HILLS BANCORP INC COM 084680107 269 9,821 SH   SOLE   0 0 9,821
BK OF AMERICA CORP COM 060505104 480 11,649 SH   SOLE   0 0 11,649
BLACKROCK INC COM 09247X101 932 1,065 SH   SOLE   0 0 1,065
BOEING CO COM 097023105 954 3,982 SH   SOLE   0 0 3,982
BRINKER INTL INC COM 109641100 254 4,100 SH   SOLE   0 0 4,100
BRISTOL-MYERS SQUIBB CO COM 110122108 485 7,264 SH   SOLE   0 0 7,264
BRUNSWICK CORP COM 117043109 498 5,000 SH   SOLE   0 0 5,000
CAMBRIDGE BANCORP COM 132152109 934 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108 1,162 24,336 SH   SOLE   0 0 24,336
CENTURY BANCORPORATION INC CL A NON VTG 156432106 918 8,055 SH   SOLE   0 0 8,055
COMMUNITY BK SYS INC COM 203607106 393 5,189 SH   SOLE   0 0 5,189
CORNING INC COM 219350105 411 10,048 SH   SOLE   0 0 10,048
COSTCO WHSL CORP NEW COM 22160K105 1,418 3,585 SH   SOLE   0 0 3,585
CVS HEALTH CORP COM 126650100 577 6,920 SH   SOLE   0 0 6,920
DELTA AIR LINES INC DEL COM NEW 247361702 842 19,453 SH   SOLE   0 0 19,453
DISNEY WALT CO COM 254687106 3,748 21,325 SH   SOLE   0 0 21,325
DNP SELECT INCOME FD INC COM 23325P104 441 42,176 SH   SOLE   0 0 42,176
DUKE ENERGY CORP NEW COM NEW 26441C204 405 4,106 SH   SOLE   0 0 4,106
ENTERPRISE BANCORP INC MASS COM 293668109 1,067 32,569 SH   SOLE   0 0 32,569
ETF SER SOLUTIONS US GLB JETS 26922A842 998 41,273 SH   SOLE   0 0 41,273
FACEBOOK INC CL A 30303M102 1,901 5,466 SH   SOLE   0 0 5,466
FERRARI N V COM N3167Y103 214 1,037 SH   SOLE   0 0 1,037
FORD MTR CO DEL COM 345370860 538 36,230 SH   SOLE   0 0 36,230
GENERAL MTRS CO COM 37045V100 438 7,400 SH   SOLE   0 0 7,400
HOME DEPOT INC COM 437076102 3,997 12,535 SH   SOLE   0 0 12,535
HONEYWELL INTL INC COM 438516106 1,206 5,496 SH   SOLE   0 0 5,496
ILLINOIS TOOL WKS INC COM 452308109 447 2,001 SH   SOLE   0 0 2,001
INDEPENDENT BK CORP MASS COM 453836108 572 7,575 SH   SOLE   0 0 7,575
INTEL CORP COM 458140100 218 3,879 SH   SOLE   0 0 3,879
INVESCO QQQ TR UNIT SER 1 46090E103 2,390 6,742 SH   SOLE   0 0 6,742
ISHARES TR NATIONAL MUN ETF 464288414 1,694 14,457 SH   SOLE   0 0 14,457
ISHARES TR US HLTHCR PR ETF 464288828 923 3,465 SH   SOLE   0 0 3,465
ISHARES TR US HOME CONS ETF 464288752 323 4,663 SH   SOLE   0 0 4,663
ISHARES TR CALIF MUN BD ETF 464288356 765 12,223 SH   SOLE   0 0 12,223
ISHARES TR SHRT NAT MUN ETF 464288158 208 1,929 SH   SOLE   0 0 1,929
ISHARES TR SELECT DIVID ETF 464287168 400 3,432 SH   SOLE   0 0 3,432
ISHARES TR MSCI USA MIN VOL 46429B697 307 4,165 SH   SOLE   0 0 4,165
ISHARES TR IBONDS DEC2023 46435G318 205 7,860 SH   SOLE   0 0 7,860
ISHARES TR NEW YORK MUN ETF 464288323 338 5,785 SH   SOLE   0 0 5,785
ISHARES TR SELF DRIVNG EV 46435U366 409 8,233 SH   SOLE   0 0 8,233
ISHARES TR CORE S&P SCP ETF 464287804 298 2,635 SH   SOLE   0 0 2,635
ISHARES TR RUS 2000 GRW ETF 464287648 1,549 4,970 SH   SOLE   0 0 4,970
ISHARES TR CORE MSCI TOTAL 46432F834 5,043 68,805 SH   SOLE   0 0 68,805
ISHARES TR ISHS 5-10YR INVT 464288638 1,638 27,068 SH   SOLE   0 0 27,068
ISHARES TR CORE S&P US VLU 464287663 4,722 65,614 SH   SOLE   0 0 65,614
ISHARES TR RUS MDCP VAL ETF 464287473 366 3,180 SH   SOLE   0 0 3,180
ISHARES TR CORE US AGGBD ET 464287226 247 2,140 SH   SOLE   0 0 2,140
ISHARES TR S&P 500 GRWT ETF 464287309 10,936 150,359 SH   SOLE   0 0 150,359
ISHARES TR S&P MC 400GR ETF 464287606 348 4,295 SH   SOLE   0 0 4,295
ISHARES TR CORE MSCI EAFE 46432F842 303 4,044 SH   SOLE   0 0 4,044
ISHARES TR CORE S&P MCP ETF 464287507 758 2,822 SH   SOLE   0 0 2,822
ISHARES TR RUS MID CAP ETF 464287499 250 3,159 SH   SOLE   0 0 3,159
ISHARES TR U.S. UTILITS ETF 464287697 431 5,490 SH   SOLE   0 0 5,490
ISHARES TR CORE 1 5 YR USD 46432F859 8,761 170,816 SH   SOLE   0 0 170,816
ISHARES TR ISHS 1-5YR INVS 464288646 8,054 146,940 SH   SOLE   0 0 146,940
ISHARES TR RUS MD CP GR ETF 464287481 2,284 20,180 SH   SOLE   0 0 20,180
ISHARES TR CORE S&P500 ETF 464287200 2,178 5,065 SH   SOLE   0 0 5,065
ISHARES TR 0-5YR INVT GR CP 46434V100 922 17,786 SH   SOLE   0 0 17,786
ISHARES TR 0-5YR HI YL CP 46434V407 360 7,815 SH   SOLE   0 0 7,815
ISHARES TR S&P SML 600 GWT 464287887 651 4,912 SH   SOLE   0 0 4,912
ISHARES TR S&P 500 VAL ETF 464287408 1,071 7,252 SH   SOLE   0 0 7,252
JOHNSON & JOHNSON COM 478160104 2,638 16,016 SH   SOLE   0 0 16,016
JPMORGAN CHASE & CO COM 46625H100 758 4,871 SH   SOLE   0 0 4,871
LILLY ELI & CO COM 532457108 1,514 6,596 SH   SOLE   0 0 6,596
LOCKHEED MARTIN CORP COM 539830109 369 975 SH   SOLE   0 0 975
LULULEMON ATHLETICA INC COM 550021109 1,320 3,616 SH   SOLE   0 0 3,616
MARRIOTT INTL INC NEW CL A 571903202 440 3,225 SH   SOLE   0 0 3,225
MATCH GROUP INC NEW COM 57667L107 689 4,271 SH   SOLE   0 0 4,271
MCDONALDS CORP COM 580135101 1,584 6,857 SH   SOLE   0 0 6,857
MERCK & CO INC COM 58933Y105 474 6,100 SH   SOLE   0 0 6,100
MICROCHIP TECHNOLOGY INC. COM 595017104 952 6,357 SH   SOLE   0 0 6,357
MICROSOFT CORP COM 594918104 4,222 15,586 SH   SOLE   0 0 15,586
MODERNA INC COM 60770K107 1,314 5,594 SH   SOLE   0 0 5,594
NEXTERA ENERGY INC COM 65339F101 884 12,069 SH   SOLE   0 0 12,069
NIKE INC CL B 654106103 1,759 11,385 SH   SOLE   0 0 11,385
NVIDIA CORPORATION COM 67066G104 304 380 SH   SOLE   0 0 380
OCEANFIRST FINL CORP COM 675234108 332 15,950 SH   SOLE   0 0 15,950
PAYPAL HLDGS INC COM 70450Y103 1,497 5,135 SH   SOLE   0 0 5,135
PEPSICO INC COM 713448108 951 6,416 SH   SOLE   0 0 6,416
PFIZER INC COM 717081103 241 6,143 SH   SOLE   0 0 6,143
PROCTER AND GAMBLE CO COM 742718109 451 3,340 SH   SOLE   0 0 3,340
SAFETY INS GROUP INC COM 78648T100 1,788 22,840 SH   SOLE   0 0 22,840
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 229 1,550 SH   SOLE   0 0 1,550
SIMON PPTY GROUP INC NEW COM 828806109 681 5,223 SH   SOLE   0 0 5,223
SPDR S&P 500 ETF TR TR UNIT 78462F103 768 1,794 SH   SOLE   0 0 1,794
SPDR SER TR S&P HOMEBUILD 78464A888 433 5,907 SH   SOLE   0 0 5,907
STARBUCKS CORP COM 855244109 2,303 20,601 SH   SOLE   0 0 20,601
SYSCO CORP COM 871829107 438 5,633 SH   SOLE   0 0 5,633
TELADOC HEALTH INC COM 87918A105 497 2,987 SH   SOLE   0 0 2,987
TRACTOR SUPPLY CO COM 892356106 223 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108 697 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106 816 3,923 SH   SOLE   0 0 3,923
VAIL RESORTS INC COM 91879Q109 1,508 4,766 SH   SOLE   0 0 4,766
VANGUARD BD INDEX FDS INTERMED TERM 921937819 255 2,830 SH   SOLE   0 0 2,830
VANGUARD INDEX FDS GROWTH ETF 922908736 943 3,288 SH   SOLE   0 0 3,288
VANGUARD INDEX FDS VALUE ETF 922908744 326 2,370 SH   SOLE   0 0 2,370
VANGUARD INDEX FDS SML CP GRW ETF 922908595 818 2,822 SH   SOLE   0 0 2,822
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 204 3,763 SH   SOLE   0 0 3,763
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,620 43,765 SH   SOLE   0 0 43,765
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 692 7,280 SH   SOLE   0 0 7,280
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 215 1,391 SH   SOLE   0 0 1,391
VANGUARD WORLD FDS UTILITIES ETF 92204A876 771 5,554 SH   SOLE   0 0 5,554
VISA INC COM CL A 92826C839 1,485 6,350 SH   SOLE   0 0 6,350
WALMART INC COM 931142103 232 1,649 SH   SOLE   0 0 1,649
WEC ENERGY GROUP INC COM 92939U106 420 4,725 SH   SOLE   0 0 4,725
YUM BRANDS INC COM 988498101 340 2,959 SH   SOLE   0 0 2,959
ZOETIS INC CL A 98978V103 1,348 7,231 SH   SOLE   0 0 7,231