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 217 1,996 SH   SOLE   0 0 1,996
ABBVIE INC COM 00287Y109 728 4,753 SH   SOLE   0 0 4,753
ADOBE SYSTEMS INCORPORATED COM 00724F101 340 928 SH   SOLE   0 0 928
ALPHABET INC CAP STK CL C 02079K107 1,184 541 SH   SOLE   0 0 541
AMAZON COM INC COM 023135106 501 4,719 SH   SOLE   0 0 4,719
AMERICAN EXPRESS CO COM 025816109 1,268 9,149 SH   SOLE   0 0 9,149
AMES NATL CORP COM 031001100 868 39,113 SH   SOLE   0 0 39,113
AMGEN INC COM 031162100 732 3,010 SH   SOLE   0 0 3,010
APPLE INC COM 037833100 7,598 55,571 SH   SOLE   0 0 55,571
BANKWELL FINL GROUP INC COM 06654A103 248 8,000 SH   SOLE   0 0 8,000
BAR HBR BANKSHARES COM 066849100 535 20,699 SH   SOLE   0 0 20,699
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 343 1,258 SH   SOLE   0 0 1,258
BK OF AMERICA CORP COM 060505104 434 13,935 SH   SOLE   0 0 13,935
BLACKROCK INC COM 09247X101 624 1,025 SH   SOLE   0 0 1,025
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 226 11,810 SH   SOLE   0 0 11,810
BLACKSTONE INC COM 09260D107 205 2,250 SH   SOLE   0 0 2,250
BOSTON PROPERTIES INC COM 101121101 539 6,061 SH   SOLE   0 0 6,061
BRISTOL-MYERS SQUIBB CO COM 110122108 565 7,339 SH   SOLE   0 0 7,339
BRUNSWICK CORP COM 117043109 507 7,753 SH   SOLE   0 0 7,753
CAMBRIDGE BANCORP COM 132152109 931 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108 1,057 24,005 SH   SOLE   0 0 24,005
CITIZENS FINL GROUP INC COM 174610105 237 6,648 SH   SOLE   0 0 6,648
COMMUNITY BK SYS INC COM 203607106 328 5,189 SH   SOLE   0 0 5,189
COSTCO WHSL CORP NEW COM 22160K105 1,694 3,535 SH   SOLE   0 0 3,535
CVS HEALTH CORP COM 126650100 473 5,101 SH   SOLE   0 0 5,101
DELTA AIR LINES INC DEL COM NEW 247361702 456 15,738 SH   SOLE   0 0 15,738
DISNEY WALT CO COM 254687106 2,040 21,605 SH   SOLE   0 0 21,605
DNP SELECT INCOME FD INC COM 23325P104 1,200 110,703 SH   SOLE   0 0 110,703
DUKE ENERGY CORP NEW COM NEW 26441C204 420 3,920 SH   SOLE   0 0 3,920
ENTERPRISE BANCORP INC MASS COM 293668109 1,027 31,903 SH   SOLE   0 0 31,903
FORD MTR CO DEL COM 345370860 656 58,911 SH   SOLE   0 0 58,911
GENERAL MTRS CO COM 37045V100 618 19,445 SH   SOLE   0 0 19,445
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 201 11,325 SH   SOLE   0 0 11,325
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105 360 25,695 SH   SOLE   0 0 25,695
HANOVER INS GROUP INC COM 410867105 271 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 3,260 11,886 SH   SOLE   0 0 11,886
HONEYWELL INTL INC COM 438516106 909 5,229 SH   SOLE   0 0 5,229
ILLINOIS TOOL WKS INC COM 452308109 319 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108 674 8,481 SH   SOLE   0 0 8,481
INVESCO QQQ TR UNIT SER 1 46090E103 1,803 6,432 SH   SOLE   0 0 6,432
ISHARES TR SELECT DIVID ETF 464287168 404 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200 1,695 4,472 SH   SOLE   0 0 4,472
ISHARES TR CORE US AGGBD ET 464287226 218 2,140 SH   SOLE   0 0 2,140
ISHARES TR S&P 500 GRWT ETF 464287309 9,053 150,015 SH   SOLE   0 0 150,015
ISHARES TR S&P 500 VAL ETF 464287408 855 6,218 SH   SOLE   0 0 6,218
ISHARES TR RUS MDCP VAL ETF 464287473 425 4,187 SH   SOLE   0 0 4,187
ISHARES TR RUS MD CP GR ETF 464287481 1,229 15,517 SH   SOLE   0 0 15,517
ISHARES TR RUS MID CAP ETF 464287499 881 13,630 SH   SOLE   0 0 13,630
ISHARES TR CORE S&P MCP ETF 464287507 623 2,752 SH   SOLE   0 0 2,752
ISHARES TR S&P MC 400GR ETF 464287606 252 3,956 SH   SOLE   0 0 3,956
ISHARES TR CORE S&P US VLU 464287663 6,206 92,788 SH   SOLE   0 0 92,788
ISHARES TR U.S. UTILITS ETF 464287697 314 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804 213 2,305 SH   SOLE   0 0 2,305
ISHARES TR S&P SML 600 GWT 464287887 2,157 20,485 SH   SOLE   0 0 20,485
ISHARES TR SHRT NAT MUN ETF 464288158 202 1,929 SH   SOLE   0 0 1,929
ISHARES TR NEW YORK MUN ETF 464288323 310 5,900 SH   SOLE   0 0 5,900
ISHARES TR CALIF MUN BD ETF 464288356 745 13,201 SH   SOLE   0 0 13,201
ISHARES TR NATIONAL MUN ETF 464288414 1,538 14,457 SH   SOLE   0 0 14,457
ISHARES TR ISHS 5-10YR INVT 464288638 844 16,529 SH   SOLE   0 0 16,529
ISHARES TR ISHS 1-5YR INVS 464288646 8,335 164,896 SH   SOLE   0 0 164,896
ISHARES TR PFD AND INCM SEC 464288687 213 6,485 SH   SOLE   0 0 6,485
ISHARES TR US HOME CONS ETF 464288752 770 14,666 SH   SOLE   0 0 14,666
ISHARES TR US HLTHCR PR ETF 464288828 848 3,321 SH   SOLE   0 0 3,321
ISHARES TR MSCI USA MIN VOL 46429B697 292 4,165 SH   SOLE   0 0 4,165
ISHARES TR CORE MSCI TOTAL 46432F834 5,131 89,975 SH   SOLE   0 0 89,975
ISHARES TR CORE MSCI EAFE 46432F842 238 4,044 SH   SOLE   0 0 4,044
ISHARES TR CORE 1 5 YR USD 46432F859 8,621 181,875 SH   SOLE   0 0 181,875
ISHARES TR 0-5YR INVT GR CP 46434V100 672 13,866 SH   SOLE   0 0 13,866
ISHARES TR 0-5YR HI YL CP 46434V407 356 8,776 SH   SOLE   0 0 8,776
ISHARES TR IBONDS DEC2023 46435G318 279 10,935 SH   SOLE   0 0 10,935
ISHARES TR SELF DRIVNG EV 46435U366 531 14,419 SH   SOLE   0 0 14,419
ISHARES TR IBONDS DEC 46435U697 251 9,665 SH   SOLE   0 0 9,665
JOHNSON & JOHNSON COM 478160104 2,761 15,551 SH   SOLE   0 0 15,551
JPMORGAN CHASE & CO COM 46625H100 1,265 11,235 SH   SOLE   0 0 11,235
LILLY ELI & CO COM 532457108 1,958 6,040 SH   SOLE   0 0 6,040
LOCKHEED MARTIN CORP COM 539830109 228 531 SH   SOLE   0 0 531
LULULEMON ATHLETICA INC COM 550021109 979 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202 439 3,225 SH   SOLE   0 0 3,225
MATCH GROUP INC NEW COM 57667L107 305 4,371 SH   SOLE   0 0 4,371
MCDONALDS CORP COM 580135101 1,728 7,001 SH   SOLE   0 0 7,001
MERCK & CO INC COM 58933Y105 638 6,995 SH   SOLE   0 0 6,995
META PLATFORMS INC CL A 30303M102 875 5,425 SH   SOLE   0 0 5,425
MICROCHIP TECHNOLOGY INC. COM 595017104 706 12,159 SH   SOLE   0 0 12,159
MICROSOFT CORP COM 594918104 4,578 17,825 SH   SOLE   0 0 17,825
MODERNA INC COM 60770K107 486 3,402 SH   SOLE   0 0 3,402
NEXTERA ENERGY INC COM 65339F101 902 11,645 SH   SOLE   0 0 11,645
NIKE INC CL B 654106103 1,164 11,385 SH   SOLE   0 0 11,385
NVIDIA CORPORATION COM 67066G104 250 1,646 SH   SOLE   0 0 1,646
OCEANFIRST FINL CORP COM 675234108 878 45,922 SH   SOLE   0 0 45,922
PAYPAL HLDGS INC COM 70450Y103 329 4,715 SH   SOLE   0 0 4,715
PEPSICO INC COM 713448108 1,180 7,078 SH   SOLE   0 0 7,078
PFIZER INC COM 717081103 325 6,198 SH   SOLE   0 0 6,198
PIMCO HIGH INCOME FD COM SHS 722014107 166 32,100 SH   SOLE   0 0 32,100
PROCTER AND GAMBLE CO COM 742718109 489 3,401 SH   SOLE   0 0 3,401
SAFETY INS GROUP INC COM 78648T100 2,830 29,143 SH   SOLE   0 0 29,143
SIMON PPTY GROUP INC NEW COM 828806109 792 8,343 SH   SOLE   0 0 8,343
SPDR S&P 500 ETF TR TR UNIT 78462F103 733 1,943 SH   SOLE   0 0 1,943
SPDR SER TR S&P HOMEBUILD 78464A888 325 5,932 SH   SOLE   0 0 5,932
STARBUCKS CORP COM 855244109 1,656 21,678 SH   SOLE   0 0 21,678
SYSCO CORP COM 871829107 477 5,633 SH   SOLE   0 0 5,633
TJX COS INC NEW COM 872540109 222 3,969 SH   SOLE   0 0 3,969
TRACTOR SUPPLY CO COM 892356106 233 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108 676 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106 655 3,591 SH   SOLE   0 0 3,591
VAIL RESORTS INC COM 91879Q109 1,039 4,767 SH   SOLE   0 0 4,767
VANGUARD INDEX FDS SML CP GRW ETF 922908595 531 2,694 SH   SOLE   0 0 2,694
VANGUARD INDEX FDS GROWTH ETF 922908736 656 2,945 SH   SOLE   0 0 2,945
VANGUARD INDEX FDS VALUE ETF 922908744 305 2,310 SH   SOLE   0 0 2,310
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,305 43,344 SH   SOLE   0 0 43,344
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 516 6,450 SH   SOLE   0 0 6,450
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 212 1,479 SH   SOLE   0 0 1,479
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 382 4,952 SH   SOLE   0 0 4,952
VANGUARD WORLD FDS UTILITIES ETF 92204A876 848 5,563 SH   SOLE   0 0 5,563
VISA INC COM CL A 92826C839 1,241 6,303 SH   SOLE   0 0 6,303
WEC ENERGY GROUP INC COM 92939U106 433 4,305 SH   SOLE   0 0 4,305
YUM BRANDS INC COM 988498101 338 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103 1,217 7,082 SH   SOLE   0 0 7,082