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   508,280 2,528 SH   SOLE   0 0 2,528
FERGUSON PLC NEW SHS G3421J106   729,289 4,636 SH   SOLE   0 0 4,636
ON HLDG AG NAMEN AKT A H5919C104   262,350 7,950 SH   SOLE   0 0 7,950
FERRARI N V COM N3167Y103   340,716 1,048 SH   SOLE   0 0 1,048
ABBOTT LABS COM 002824100   217,607 1,996 SH   SOLE   0 0 1,996
ABBVIE INC COM 00287Y109   736,973 5,470 SH   SOLE   0 0 5,470
ADOBE SYSTEMS INCORPORATED COM 00724F101   342,293 700 SH   SOLE   0 0 700
ALPHABET INC CAP STK CL C 02079K107   1,183,924 9,787 SH   SOLE   0 0 9,787
ALPHABET INC CAP STK CL A 02079K305   342,342 2,860 SH   SOLE   0 0 2,860
AMAZON COM INC COM 023135106   837,824 6,427 SH   SOLE   0 0 6,427
AMERICAN EXPRESS CO COM 025816109   1,662,693 9,545 SH   SOLE   0 0 9,545
AMES NATL CORP COM 031001100   628,251 34,845 SH   SOLE   0 0 34,845
AMGEN INC COM 031162100   722,897 3,256 SH   SOLE   0 0 3,256
APPLE INC COM 037833100   10,550,254 54,391 SH   SOLE   0 0 54,391
BANK AMERICA CORP COM 060505104   500,830 17,457 SH   SOLE   0 0 17,457
BAR HBR BANKSHARES COM 066849100   510,034 20,699 SH   SOLE   0 0 20,699
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   604,934 1,774 SH   SOLE   0 0 1,774
BLACKROCK INC COM 09247X101   708,419 1,025 SH   SOLE   0 0 1,025
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   195,928 11,810 SH   SOLE   0 0 11,810
BLACKSTONE INC COM 09260D107   209,183 2,250 SH   SOLE   0 0 2,250
BRISTOL-MYERS SQUIBB CO COM 110122108   477,629 7,469 SH   SOLE   0 0 7,469
BRUNSWICK CORP COM 117043109   589,720 6,807 SH   SOLE   0 0 6,807
CVS HEALTH CORP COM 126650100   302,236 4,372 SH   SOLE   0 0 4,372
CAMBRIDGE BANCORP COM 132152109   611,096 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108   750,361 24,229 SH   SOLE   0 0 24,229
CHIPOTLE MEXICAN GRILL INC COM 169656105   218,178 102 SH   SOLE   0 0 102
CITIZENS FINL GROUP INC COM 174610105   564,136 21,631 SH   SOLE   0 0 21,631
COMMUNITY BK SYS INC COM 203607106   243,259 5,189 SH   SOLE   0 0 5,189
COSTCO WHSL CORP NEW COM 22160K105   1,913,941 3,555 SH   SOLE   0 0 3,555
DNP SELECT INCOME FD INC COM 23325P104   1,095,448 104,528 SH   SOLE   0 0 104,528
DELTA AIR LINES INC DEL COM NEW 247361702   437,974 9,213 SH   SOLE   0 0 9,213
DISNEY WALT CO COM 254687106   1,591,242 17,823 SH   SOLE   0 0 17,823
DUKE ENERGY CORP NEW COM NEW 26441C204   270,117 3,010 SH   SOLE   0 0 3,010
ENTERPRISE BANCORP INC MASS COM 293668109   876,357 30,282 SH   SOLE   0 0 30,282
META PLATFORMS INC CL A 30303M102   711,423 2,479 SH   SOLE   0 0 2,479
FORD MTR CO DEL COM 345370860   474,107 31,336 SH   SOLE   0 0 31,336
GENERAL MTRS CO COM 37045V100   444,730 11,533 SH   SOLE   0 0 11,533
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   184,598 11,325 SH   SOLE   0 0 11,325
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   302,687 25,695 SH   SOLE   0 0 25,695
HANOVER INS GROUP INC COM 410867105   209,106 1,850 SH   SOLE   0 0 1,850
HOME DEPOT INC COM 437076102   3,625,981 11,673 SH   SOLE   0 0 11,673
HONEYWELL INTL INC COM 438516106   1,084,971 5,229 SH   SOLE   0 0 5,229
ILLINOIS TOOL WKS INC COM 452308109   438,252 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108   364,517 8,190 SH   SOLE   0 0 8,190
INTERNATIONAL BUSINESS MACHS COM 459200101   866,821 6,478 SH   SOLE   0 0 6,478
INVESCO QQQ TR UNIT SER 1 46090E103   2,356,037 6,378 SH   SOLE   0 0 6,378
ISHARES TR CORE S&P TTL STK 464287150   308,587 3,154 SH   SOLE   0 0 3,154
ISHARES TR SELECT DIVID ETF 464287168   388,846 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200   1,662,168 3,729 SH   SOLE   0 0 3,729
ISHARES TR S&P 500 GRWT ETF 464287309   11,697,214 165,965 SH   SOLE   0 0 165,965
ISHARES TR S&P 500 VAL ETF 464287408   898,980 5,577 SH   SOLE   0 0 5,577
ISHARES TR RUS MD CP GR ETF 464287481   1,112,694 11,515 SH   SOLE   0 0 11,515
ISHARES TR RUS MID CAP ETF 464287499   2,079,416 28,473 SH   SOLE   0 0 28,473
ISHARES TR CORE S&P MCP ETF 464287507   593,319 2,269 SH   SOLE   0 0 2,269
ISHARES TR S&P MC 400GR ETF 464287606   277,200 3,696 SH   SOLE   0 0 3,696
ISHARES TR CORE S&P US VLU 464287663   10,773,451 137,662 SH   SOLE   0 0 137,662
ISHARES TR U.S. UTILITS ETF 464287697   300,023 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804   1,546,850 15,523 SH   SOLE   0 0 15,523
ISHARES TR S&P SML 600 GWT 464287887   2,325,182 20,231 SH   SOLE   0 0 20,231
ISHARES TR CALIF MUN BD ETF 464288356   778,848 13,676 SH   SOLE   0 0 13,676
ISHARES TR NATIONAL MUN ETF 464288414   1,282,703 12,018 SH   SOLE   0 0 12,018
ISHARES TR ISHS 5-10YR INVT 464288638   6,649,095 131,483 SH   SOLE   0 0 131,483
ISHARES TR ISHS 1-5YR INVS 464288646   992,471 19,782 SH   SOLE   0 0 19,782
ISHARES TR PFD AND INCM SEC 464288687   200,581 6,485 SH   SOLE   0 0 6,485
ISHARES TR US HLTHCR PR ETF 464288828   864,860 3,381 SH   SOLE   0 0 3,381
ISHARES TR MSCI USA MIN VOL 46429B697   235,254 3,165 SH   SOLE   0 0 3,165
ISHARES TR CORE MSCI TOTAL 46432F834   5,812,273 92,818 SH   SOLE   0 0 92,818
ISHARES TR CORE MSCI EAFE 46432F842   271,620 4,024 SH   SOLE   0 0 4,024
ISHARES TR CORE 1 5 YR USD 46432F859   6,419,240 137,634 SH   SOLE   0 0 137,634
ISHARES TR 0-5YR INVT GR CP 46434V100   466,625 9,679 SH   SOLE   0 0 9,679
ISHARES TR CORE DIV GRWTH 46434V621   371,575 7,211 SH   SOLE   0 0 7,211
JPMORGAN CHASE & CO COM 46625H100   2,087,164 14,351 SH   SOLE   0 0 14,351
JOHNSON & JOHNSON COM 478160104   2,470,041 14,923 SH   SOLE   0 0 14,923
LILLY ELI & CO COM 532457108   2,763,699 5,893 SH   SOLE   0 0 5,893
LOCKHEED MARTIN CORP COM 539830109   230,650 501 SH   SOLE   0 0 501
LULULEMON ATHLETICA INC COM 550021109   1,359,194 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202   592,400 3,225 SH   SOLE   0 0 3,225
MCDONALDS CORP COM 580135101   2,480,109 8,311 SH   SOLE   0 0 8,311
MERCK & CO INC COM 58933Y105   1,403,851 12,166 SH   SOLE   0 0 12,166
MICROSOFT CORP COM 594918104   6,794,468 19,952 SH   SOLE   0 0 19,952
MICROCHIP TECHNOLOGY INC. COM 595017104   1,021,783 11,405 SH   SOLE   0 0 11,405
MODERNA INC COM 60770K107   371,426 3,057 SH   SOLE   0 0 3,057
NEXTERA ENERGY INC COM 65339F101   799,876 10,780 SH   SOLE   0 0 10,780
NIKE INC CL B 654106103   1,324,440 12,000 SH   SOLE   0 0 12,000
NVIDIA CORPORATION COM 67066G104   1,309,247 3,095 SH   SOLE   0 0 3,095
PAYPAL HLDGS INC COM 70450Y103   286,605 4,295 SH   SOLE   0 0 4,295
PEPSICO INC COM 713448108   1,284,871 6,937 SH   SOLE   0 0 6,937
PFIZER INC COM 717081103   310,056 8,453 SH   SOLE   0 0 8,453
PIMCO HIGH INCOME FD COM SHS 722014107   160,500 32,100 SH   SOLE   0 0 32,100
PROCTER AND GAMBLE CO COM 742718109   508,329 3,350 SH   SOLE   0 0 3,350
SPDR S&P 500 ETF TR TR UNIT 78462F103   861,274 1,943 SH   SOLE   0 0 1,943
SPDR SER TR S&P HOMEBUILD 78464A888   479,272 5,969 SH   SOLE   0 0 5,969
SAFETY INS GROUP INC COM 78648T100   2,298,098 32,043 SH   SOLE   0 0 32,043
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   269,483 1,550 SH   SOLE   0 0 1,550
STARBUCKS CORP COM 855244109   2,147,983 21,684 SH   SOLE   0 0 21,684
SYSCO CORP COM 871829107   417,951 5,633 SH   SOLE   0 0 5,633
TJX COS INC NEW COM 872540109   1,118,380 13,190 SH   SOLE   0 0 13,190
TRACTOR SUPPLY CO COM 892356106   265,320 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108   648,694 3,170 SH   SOLE   0 0 3,170
VAIL RESORTS INC COM 91879Q109   1,200,779 4,770 SH   SOLE   0 0 4,770
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   245,107 1,509 SH   SOLE   0 0 1,509
VANGUARD STAR FDS VG TL INTL STK F 921909768   676,044 12,055 SH   SOLE   58 0 11,997
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   448,932 5,526 SH   SOLE   0 0 5,526
VANGUARD WORLD FDS UTILITIES ETF 92204A876   985,563 6,932 SH   SOLE   0 0 6,932
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,553,157 20,528 SH   SOLE   0 0 20,528
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,180,054 14,932 SH   SOLE   0 0 14,932
VANGUARD INDEX FDS SML CP GRW ETF 922908595   618,969 2,694 SH   SOLE   0 0 2,694
VANGUARD INDEX FDS GROWTH ETF 922908736   809,519 2,861 SH   SOLE   0 0 2,861
VANGUARD INDEX FDS VALUE ETF 922908744   328,236 2,310 SH   SOLE   0 0 2,310
VANGUARD INDEX FDS SMALL CP ETF 922908751   267,905 1,347 SH   SOLE   0 0 1,347
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,069,507 13,935 SH   SOLE   67 0 13,868
VISA INC COM CL A 92826C839   1,504,037 6,333 SH   SOLE   0 0 6,333
WEC ENERGY GROUP INC COM 92939U106   378,814 4,293 SH   SOLE   0 0 4,293
WALMART INC COM 931142103   288,682 1,837 SH   SOLE   0 0 1,837
YUM BRANDS INC COM 988498101   412,721 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103   1,202,497 6,983 SH   SOLE   0 0 6,983