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
EATON CORP PLC SHS G29183103   353,969 2,255 SH   SOLE   0 0 2,255
FERRARI N V COM N3167Y103   223,332 1,043 SH   SOLE   0 0 1,043
ABBOTT LABS COM 002824100   219,143 1,996 SH   SOLE   0 0 1,996
ABBVIE INC COM 00287Y109   884,007 5,470 SH   SOLE   0 0 5,470
ADOBE SYSTEMS INCORPORATED COM 00724F101   235,571 700 SH   SOLE   0 0 700
ALPHABET INC CAP STK CL C 02079K107   916,485 10,329 SH   SOLE   0 0 10,329
ALPHABET INC CAP STK CL A 02079K305   252,338 2,860 SH   SOLE   0 0 2,860
AMAZON COM INC COM 023135106   577,752 6,878 SH   SOLE   0 0 6,878
AMERICAN EXPRESS CO COM 025816109   1,332,368 9,018 SH   SOLE   0 0 9,018
AMES NATL CORP COM 031001100   926,178 39,228 SH   SOLE   0 0 39,228
AMGEN INC COM 031162100   855,156 3,256 SH   SOLE   0 0 3,256
APPLE INC COM 037833100   7,170,067 55,184 SH   SOLE   0 0 55,184
BANK AMERICA CORP COM 060505104   455,795 13,762 SH   SOLE   0 0 13,762
BANKWELL FINL GROUP INC COM 06654A103   235,440 8,000 SH   SOLE   0 0 8,000
BAR HBR BANKSHARES COM 066849100   663,210 20,699 SH   SOLE   0 0 20,699
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   555,402 1,798 SH   SOLE   0 0 1,798
BLACKROCK INC COM 09247X101   726,346 1,025 SH   SOLE   0 0 1,025
BRISTOL-MYERS SQUIBB CO COM 110122108   537,380 7,469 SH   SOLE   0 0 7,469
BRUNSWICK CORP COM 117043109   508,498 7,055 SH   SOLE   0 0 7,055
CVS HEALTH CORP COM 126650100   407,427 4,372 SH   SOLE   0 0 4,372
CAMBRIDGE BANCORP COM 132152109   934,591 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108   1,004,793 24,102 SH   SOLE   0 0 24,102
CITIZENS FINL GROUP INC COM 174610105   719,418 18,273 SH   SOLE   0 0 18,273
COMMUNITY BK SYS INC COM 203607106   326,645 5,189 SH   SOLE   0 0 5,189
COSTCO WHSL CORP NEW COM 22160K105   1,622,858 3,555 SH   SOLE   0 0 3,555
DNP SELECT INCOME FD INC COM 23325P104   1,175,935 104,528 SH   SOLE   0 0 104,528
DELTA AIR LINES INC DEL COM NEW 247361702   304,374 9,263 SH   SOLE   0 0 9,263
DISNEY WALT CO COM 254687106   1,803,633 20,760 SH   SOLE   0 0 20,760
DOLLAR GEN CORP NEW COM 256677105   483,669 1,964 SH   SOLE   0 0 1,964
DUKE ENERGY CORP NEW COM NEW 26441C204   311,133 3,021 SH   SOLE   0 0 3,021
ENTERPRISE BANCORP INC MASS COM 293668109   1,129,751 32,004 SH   SOLE   0 0 32,004
META PLATFORMS INC CL A 30303M102   321,548 2,672 SH   SOLE   0 0 2,672
FORD MTR CO DEL COM 345370860   368,140 31,654 SH   SOLE   0 0 31,654
GENERAL MTRS CO COM 37045V100   324,335 9,641 SH   SOLE   0 0 9,641
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   332,493 25,695 SH   SOLE   0 0 25,695
HANOVER INS GROUP INC COM 410867105   249,991 1,850 SH   SOLE   0 0 1,850
HOME DEPOT INC COM 437076102   3,686,800 11,672 SH   SOLE   0 0 11,672
HONEYWELL INTL INC COM 438516106   1,120,526 5,229 SH   SOLE   0 0 5,229
ILLINOIS TOOL WKS INC COM 452308109   385,940 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108   691,031 8,185 SH   SOLE   0 0 8,185
INVESCO QQQ TR UNIT SER 1 46090E103   1,692,880 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150   267,459 3,154 SH   SOLE   0 0 3,154
ISHARES TR SELECT DIVID ETF 464287168   413,899 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200   1,627,609 4,236 SH   SOLE   0 0 4,236
ISHARES TR S&P 500 GRWT ETF 464287309   9,335,101 159,574 SH   SOLE   0 0 159,574
ISHARES TR S&P 500 VAL ETF 464287408   818,071 5,639 SH   SOLE   0 0 5,639
ISHARES TR RUS MD CP GR ETF 464287481   1,113,385 13,318 SH   SOLE   0 0 13,318
ISHARES TR RUS MID CAP ETF 464287499   1,478,133 21,915 SH   SOLE   0 0 21,915
ISHARES TR CORE S&P MCP ETF 464287507   570,880 2,360 SH   SOLE   0 0 2,360
ISHARES TR S&P MC 400GR ETF 464287606   252,437 3,696 SH   SOLE   0 0 3,696
ISHARES TR CORE S&P US VLU 464287663   8,680,100 122,895 SH   SOLE   0 0 122,895
ISHARES TR U.S. UTILITS ETF 464287697   317,602 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804   224,463 2,372 SH   SOLE   0 0 2,372
ISHARES TR S&P SML 600 GWT 464287887   2,881,216 26,661 SH   SOLE   0 0 26,661
ISHARES TR SHRT NAT MUN ETF 464288158   201,137 1,929 SH   SOLE   0 0 1,929
ISHARES TR CALIF MUN BD ETF 464288356   713,775 12,721 SH   SOLE   0 0 12,721
ISHARES TR NATIONAL MUN ETF 464288414   704,051 6,672 SH   SOLE   0 0 6,672
ISHARES TR ISHS 1-5YR INVS 464288646   6,300,727 126,470 SH   SOLE   0 0 126,470
ISHARES TR US HLTHCR PR ETF 464288828   912,020 3,407 SH   SOLE   0 0 3,407
ISHARES TR MSCI USA MIN VOL 46429B697   228,197 3,165 SH   SOLE   0 0 3,165
ISHARES TR CORE MSCI TOTAL 46432F834   4,014,811 69,364 SH   SOLE   0 0 69,364
ISHARES TR CORE MSCI EAFE 46432F842   233,122 3,782 SH   SOLE   0 0 3,782
ISHARES TR CORE 1 5 YR USD 46432F859   6,107,798 131,520 SH   SOLE   0 0 131,520
ISHARES TR 0-5YR INVT GR CP 46434V100   499,084 10,428 SH   SOLE   0 0 10,428
ISHARES TR CORE DIV GRWTH 46434V621   400,707 8,014 SH   SOLE   0 0 8,014
ISHARES TR IBONDS DEC2023 46435G318   238,417 9,405 SH   SOLE   0 0 9,405
JPMORGAN CHASE & CO COM 46625H100   1,734,553 12,935 SH   SOLE   0 0 12,935
JOHNSON & JOHNSON COM 478160104   2,690,047 15,228 SH   SOLE   0 0 15,228
LILLY ELI & CO COM 532457108   2,155,895 5,893 SH   SOLE   0 0 5,893
LOCKHEED MARTIN CORP COM 539830109   245,191 504 SH   SOLE   0 0 504
LULULEMON ATHLETICA INC COM 550021109   1,150,485 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202   480,170 3,225 SH   SOLE   0 0 3,225
MCDONALDS CORP COM 580135101   2,195,693 8,332 SH   SOLE   0 0 8,332
MERCK & CO INC COM 58933Y105   1,372,811 12,373 SH   SOLE   0 0 12,373
MICROSOFT CORP COM 594918104   4,771,881 19,898 SH   SOLE   0 0 19,898
MICROCHIP TECHNOLOGY INC. COM 595017104   802,122 11,418 SH   SOLE   0 0 11,418
MODERNA INC COM 60770K107   581,430 3,237 SH   SOLE   0 0 3,237
NEXTERA ENERGY INC COM 65339F101   902,044 10,790 SH   SOLE   0 0 10,790
NIKE INC CL B 654106103   1,343,860 11,485 SH   SOLE   0 0 11,485
NVIDIA CORPORATION COM 67066G104   452,303 3,095 SH   SOLE   0 0 3,095
OCEANFIRST FINL CORP COM 675234108   959,192 45,138 SH   SOLE   0 0 45,138
PAYPAL HLDGS INC COM 70450Y103   327,256 4,595 SH   SOLE   0 0 4,595
PEPSICO INC COM 713448108   1,278,711 7,078 SH   SOLE   0 0 7,078
PFIZER INC COM 717081103   348,330 6,798 SH   SOLE   0 0 6,798
PROCTER AND GAMBLE CO COM 742718109   521,366 3,440 SH   SOLE   0 0 3,440
SPDR S&P 500 ETF TR TR UNIT 78462F103   743,045 1,943 SH   SOLE   0 0 1,943
SPDR SER TR S&P HOMEBUILD 78464A888   358,991 5,951 SH   SOLE   0 0 5,951
SAFETY INS GROUP INC COM 78648T100   2,698,795 32,029 SH   SOLE   0 0 32,029
STARBUCKS CORP COM 855244109   2,155,154 21,725 SH   SOLE   0 0 21,725
SYSCO CORP COM 871829107   430,625 5,633 SH   SOLE   0 0 5,633
TJX COS INC NEW COM 872540109   315,932 3,969 SH   SOLE   0 0 3,969
TRACTOR SUPPLY CO COM 892356106   269,964 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108   656,461 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106   242,865 1,397 SH   SOLE   0 0 1,397
VAIL RESORTS INC COM 91879Q109   1,136,510 4,768 SH   SOLE   0 0 4,768
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   234,912 1,547 SH   SOLE   0 0 1,547
VANGUARD STAR FDS VG TL INTL STK F 921909768   614,175 11,875 SH   SOLE   60 0 11,815
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   409,762 4,953 SH   SOLE   0 0 4,953
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,068,196 6,965 SH   SOLE   0 0 6,965
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,828,086 37,613 SH   SOLE   24 0 37,589
VANGUARD INDEX FDS SML CP GRW ETF 922908595   540,298 2,694 SH   SOLE   0 0 2,694
VANGUARD INDEX FDS GROWTH ETF 922908736   614,962 2,886 SH   SOLE   0 0 2,886
VANGUARD INDEX FDS VALUE ETF 922908744   324,240 2,310 SH   SOLE   0 0 2,310
VANGUARD INDEX FDS SMALL CP ETF 922908751   247,228 1,347 SH   SOLE   0 0 1,347
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,552,194 13,349 SH   SOLE   52 0 13,297
VISA INC COM CL A 92826C839   1,312,643 6,318 SH   SOLE   0 0 6,318
WEC ENERGY GROUP INC COM 92939U106   403,637 4,305 SH   SOLE   0 0 4,305
WALMART INC COM 931142103   260,154 1,835 SH   SOLE   0 0 1,835
YUM BRANDS INC COM 988498101   381,532 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103   1,023,235 6,982 SH   SOLE   0 0 6,982