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   559,507 2,623 SH   SOLE   1,380 0 1,243
FERGUSON PLC NEW SHS G3421J106   1,181,224 7,182 SH   SOLE   4,250 0 2,932
ON HLDG AG NAMEN AKT A H5919C104   251,771 9,050 SH   SOLE   9,050 0 0
FERRARI N V COM N3167Y103   309,631 1,048 SH   SOLE   0 0 1,048
ABBVIE INC COM 00287Y109   815,358 5,470 SH   SOLE   5,470 0 0
ADOBE INC COM 00724F101   356,930 700 SH   SOLE   700 0 0
ALPHABET INC CAP STK CL C 02079K107   1,304,645 9,895 SH   SOLE   5,750 0 4,145
ALPHABET INC CAP STK CL A 02079K305   374,260 2,860 SH   SOLE   2,860 0 0
AMAZON COM INC COM 023135106   817,000 6,427 SH   SOLE   4,782 0 1,645
AMERICAN EXPRESS CO COM 025816109   1,401,777 9,396 SH   SOLE   8,305 0 1,091
AMGEN INC COM 031162100   875,083 3,256 SH   SOLE   3,256 0 0
AMES NATL CORP COM 031001100   515,183 31,054 SH   SOLE   29,654 0 1,400
APPLE INC COM 037833100   9,312,363 54,391 SH   SOLE   44,747 0 9,645
BANK AMERICA CORP COM 060505104   478,354 17,471 SH   SOLE   10,752 0 6,719
BAR HBR BANKSHARES COM 066849100   489,128 20,699 SH   SOLE   20,699 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   621,432 1,774 SH   SOLE   1,554 0 220
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   179,040 11,810 SH   SOLE   11,810 0 0
BLACKSTONE INC COM 09260D107   241,065 2,250 SH   SOLE   2,250 0 0
BLACKROCK INC COM 09247X101   662,652 1,025 SH   SOLE   1,025 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   433,489 7,469 SH   SOLE   5,684 0 1,785
BRUNSWICK CORP COM 117043109   537,803 6,808 SH   SOLE   6,458 0 350
CVS HEALTH CORP COM 126650100   305,253 4,372 SH   SOLE   4,147 0 225
CAMDEN NATL CORP COM 133034108   797,797 28,271 SH   SOLE   22,675 0 5,596
CITIZENS FINL GROUP INC COM 174610105   574,909 21,452 SH   SOLE   13,048 0 8,404
COMMUNITY BK SYS INC COM 203607106   219,026 5,189 SH   SOLE   5,189 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,008,433 3,555 SH   SOLE   3,555 0 0
DNP SELECT INCOME FD INC COM 23325P104   989,390 103,928 SH   SOLE   103,928 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   340,980 9,216 SH   SOLE   7,310 0 1,906
DISNEY WALT CO COM 254687106   1,237,809 15,272 SH   SOLE   14,708 0 564
DUKE ENERGY CORP NEW COM NEW 26441C204   240,155 2,721 SH   SOLE   2,721 0 0
ENTERPRISE BANCORP INC MASS COM 293668109   828,240 30,250 SH   SOLE   20,707 0 9,543
META PLATFORMS INC CL A 30303M102   744,221 2,479 SH   SOLE   1,774 0 705
FORD MTR CO DEL COM 345370860   361,497 29,106 SH   SOLE   17,223 0 11,883
GENERAL MTRS CO COM 37045V100   382,292 11,595 SH   SOLE   6,407 0 5,188
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   175,991 11,325 SH   SOLE   11,325 0 0
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   247,186 25,695 SH   SOLE   25,695 0 0
HOME DEPOT INC COM 437076102   3,465,517 11,469 SH   SOLE   10,145 0 1,324
HONEYWELL INTL INC COM 438516106   965,964 5,229 SH   SOLE   4,396 0 833
ILLINOIS TOOL WKS INC COM 452308109   403,477 1,752 SH   SOLE   1,752 0 0
INDEPENDENT BK CORP MASS COM 453836108   402,213 8,193 SH   SOLE   7,918 0 275
INTERNATIONAL BUSINESS MACHS COM 459200101   930,172 6,630 SH   SOLE   4,185 0 2,445
INVESCO QQQ TR UNIT SER 1 46090E103   2,285,330 6,379 SH   SOLE   5,929 0 449
ISHARES TR CORE S&P TTL STK 464287150   292,177 3,102 SH   SOLE   3,102 0 0
ISHARES TR SELECT DIVID ETF 464287168   369,420 3,432 SH   SOLE   3,432 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,590,291 3,703 SH   SOLE   3,428 0 275
ISHARES TR S&P 500 GRWT ETF 464287309   11,314,753 165,372 SH   SOLE   157,337 0 8,035
ISHARES TR S&P 500 VAL ETF 464287408   853,989 5,551 SH   SOLE   5,374 0 177
ISHARES TR RUS MD CP GR ETF 464287481   1,005,033 11,002 SH   SOLE   10,709 0 293
ISHARES TR RUS MID CAP ETF 464287499   2,178,220 31,454 SH   SOLE   29,584 0 1,870
ISHARES TR CORE S&P MCP ETF 464287507   559,063 2,242 SH   SOLE   2,132 0 110
ISHARES TR S&P MC 400GR ETF 464287606   266,999 3,696 SH   SOLE   3,696 0 0
ISHARES TR CORE S&P US VLU 464287663   10,434,285 139,832 SH   SOLE   130,442 0 9,390
ISHARES TR U.S. UTILITS ETF 464287697   270,039 3,670 SH   SOLE   2,140 0 1,530
ISHARES TR CORE S&P SCP ETF 464287804   3,094,668 32,807 SH   SOLE   30,123 0 2,684
ISHARES TR S&P SML 600 GWT 464287887   871,079 7,942 SH   SOLE   7,942 0 0
ISHARES TR CALIF MUN BD ETF 464288356   749,992 13,676 SH   SOLE   0 0 13,676
ISHARES TR NATIONAL MUN ETF 464288414   1,232,347 12,018 SH   SOLE   10,258 0 1,760
ISHARES TR ISHS 5-10YR INVT 464288638   9,365,571 192,509 SH   SOLE   168,252 0 24,257
ISHARES TR ISHS 1-5YR INVS 464288646   455,056 9,132 SH   SOLE   9,132 0 0
ISHARES TR US HLTHCR PR ETF 464288828   832,064 3,381 SH   SOLE   1,964 0 1,417
ISHARES TR MSCI USA MIN VOL 46429B697   229,083 3,165 SH   SOLE   2,105 0 1,060
ISHARES TR CORE MSCI TOTAL 46432F834   6,528,182 108,821 SH   SOLE   102,908 0 5,913
ISHARES TR CORE MSCI EAFE 46432F842   258,944 4,024 SH   SOLE   3,914 0 110
ISHARES TR CORE 1 5 YR USD 46432F859   5,711,638 123,149 SH   SOLE   109,588 0 13,561
ISHARES TR 0-5YR INVT GR CP 46434V100   437,474 9,115 SH   SOLE   9,115 0 0
ISHARES TR CORE DIV GRWTH 46434V621   319,709 6,455 SH   SOLE   3,189 0 3,265
JOHNSON & JOHNSON COM 478160104   2,299,619 14,765 SH   SOLE   12,853 0 1,912
JPMORGAN CHASE & CO COM 46625H100   2,083,794 14,369 SH   SOLE   12,688 0 1,681
ELI LILLY & CO COM 532457108   3,154,564 5,873 SH   SOLE   5,690 0 183
LOCKHEED MARTIN CORP COM 539830109   204,889 501 SH   SOLE   373 0 128
LULULEMON ATHLETICA INC COM 550021109   1,334,596 3,461 SH   SOLE   2,736 0 725
MARRIOTT INTL INC NEW CL A 571903202   633,906 3,225 SH   SOLE   3,225 0 0
MCDONALDS CORP COM 580135101   2,203,855 8,366 SH   SOLE   7,695 0 671
MERCK & CO INC COM 58933Y105   1,088,089 10,569 SH   SOLE   9,243 0 1,326
MICROSOFT CORP COM 594918104   6,319,705 20,015 SH   SOLE   17,498 0 2,517
MICROCHIP TECHNOLOGY INC. COM 595017104   890,168 11,405 SH   SOLE   8,490 0 2,915
MODERNA INC COM 60770K107   338,585 3,278 SH   SOLE   1,567 0 1,711
NEXTERA ENERGY INC COM 65339F101   617,586 10,780 SH   SOLE   9,940 0 840
NIKE INC CL B 654106103   1,160,827 12,140 SH   SOLE   11,790 0 350
NVIDIA CORPORATION COM 67066G104   972,203 2,235 SH   SOLE   2,235 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100   54,540 10,800 SH   SOLE   10,800 0 0
PEPSICO INC COM 713448108   1,175,405 6,937 SH   SOLE   6,287 0 650
PFIZER INC COM 717081103   324,336 9,778 SH   SOLE   9,518 0 260
PIMCO HIGH INCOME FD COM SHS 722014107   141,882 32,100 SH   SOLE   32,100 0 0
PROCTER AND GAMBLE CO COM 742718109   488,631 3,350 SH   SOLE   2,560 0 790
SPDR S&P 500 ETF TR TR UNIT 78462F103   830,576 1,943 SH   SOLE   1,789 0 154
SPDR SER TR S&P HOMEBUILD 78464A888   457,627 5,977 SH   SOLE   2,583 0 3,394
SAFETY INS GROUP INC COM 78648T100   2,330,734 34,180 SH   SOLE   33,393 0 787
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   254,092 1,550 SH   SOLE   1,550 0 0
STARBUCKS CORP COM 855244109   1,984,905 21,748 SH   SOLE   17,904 0 3,843
SYSCO CORP COM 871829107   372,044 5,633 SH   SOLE   5,633 0 0
TJX COS INC NEW COM 872540109   1,213,393 13,652 SH   SOLE   9,420 0 4,232
TRACTOR SUPPLY CO COM 892356106   243,660 1,200 SH   SOLE   1,200 0 0
UNION PAC CORP COM 907818108   645,556 3,170 SH   SOLE   3,170 0 0
VAIL RESORTS INC COM 91879Q109   1,014,083 4,570 SH   SOLE   4,340 0 230
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   235,401 1,515 SH   SOLE   1,358 0 157
VANGUARD STAR FDS VG TL INTL STK F 921909768   646,147 12,073 SH   SOLE   12,073 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   449,310 5,594 SH   SOLE   2,538 0 3,056
VANGUARD WORLD FDS UTILITIES ETF 92204A876   889,245 6,972 SH   SOLE   4,978 0 1,994
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,466,920 19,520 SH   SOLE   15,147 0 4,373
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,169,182 15,388 SH   SOLE   12,122 0 3,266
VANGUARD INDEX FDS SML CP GRW ETF 922908595   656,293 3,064 SH   SOLE   2,955 0 110
VANGUARD INDEX FDS GROWTH ETF 922908736   1,050,570 3,858 SH   SOLE   3,447 0 411
VANGUARD INDEX FDS VALUE ETF 922908744   520,396 3,773 SH   SOLE   2,502 0 1,271
VANGUARD INDEX FDS SMALL CP ETF 922908751   254,677 1,347 SH   SOLE   1,347 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,918,915 13,742 SH   SOLE   13,702 0 40
VISA INC COM CL A 92826C839   1,350,948 5,873 SH   SOLE   5,188 0 685
WEC ENERGY GROUP INC COM 92939U106   345,801 4,293 SH   SOLE   3,853 0 440
WALMART INC COM 931142103   267,273 1,671 SH   SOLE   1,267 0 404
YUM BRANDS INC COM 988498101   359,512 2,877 SH   SOLE   2,877 0 0
ZOETIS INC CL A 98978V103   1,214,900 6,983 SH   SOLE   6,555 0 428