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   637,976 2,649 SH   SOLE   1,405 0 1,244
FERGUSON PLC NEW SHS G3421J106   1,390,255 7,201 SH   SOLE   4,234 0 2,967
FERRARI N V COM N3167Y103   354,566 1,048 SH   SOLE   0 0 1,048
ABBVIE INC COM 00287Y109   816,692 5,270 SH   SOLE   5,270 0 0
ADOBE INC COM 00724F101   417,620 700 SH   SOLE   700 0 0
ALPHABET INC CAP STK CL C 02079K107   1,676,954 11,899 SH   SOLE   7,519 0 4,380
ALPHABET INC CAP STK CL A 02079K305   399,513 2,860 SH   SOLE   2,860 0 0
AMAZON COM INC COM 023135106   1,032,736 6,797 SH   SOLE   5,152 0 1,645
AMERICAN EXPRESS CO COM 025816109   1,760,471 9,397 SH   SOLE   8,305 0 1,092
AMES NATL CORP COM 031001100   671,436 31,464 SH   SOLE   29,664 0 1,800
AMGEN INC COM 031162100   937,793 3,256 SH   SOLE   3,256 0 0
APPLE INC COM 037833100   9,973,171 51,801 SH   SOLE   42,198 0 9,603
ARROW FINL CORP COM 042744102   210,123 7,520 SH   SOLE   5,201 0 2,319
BANK AMERICA CORP COM 060505104   637,224 18,926 SH   SOLE   11,207 0 7,718
BANKWELL FINL GROUP INC COM 06654A103   241,440 8,000 SH   SOLE   8,000 0 0
BAR HBR BANKSHARES COM 066849100   619,744 21,108 SH   SOLE   20,699 0 409
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   610,602 1,712 SH   SOLE   1,492 0 220
BLACKROCK INC COM 09247X101   832,095 1,025 SH   SOLE   1,025 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   192,031 11,810 SH   SOLE   11,810 0 0
BLACKSTONE INC COM 09260D107   294,570 2,250 SH   SOLE   2,250 0 0
BRUNSWICK CORP COM 117043109   532,959 5,509 SH   SOLE   5,159 0 350
CVS HEALTH CORP COM 126650100   300,206 3,802 SH   SOLE   3,577 0 225
CAMDEN NATL CORP COM 133034108   1,040,645 27,655 SH   SOLE   21,975 0 5,680
CHIPOTLE MEXICAN GRILL INC COM 169656105   233,270 102 SH   SOLE   37 0 65
CITIZENS FINL GROUP INC COM 174610105   713,056 21,516 SH   SOLE   13,088 0 8,428
COMMUNITY BK SYS INC COM 203607106   425,737 8,170 SH   SOLE   5,189 0 2,981
COSTCO WHSL CORP NEW COM 22160K105   2,346,584 3,555 SH   SOLE   3,555 0 0
DNP SELECT INCOME FD INC COM 23325P104   955,929 112,728 SH   SOLE   112,728 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   370,916 9,220 SH   SOLE   7,310 0 1,910
DISNEY WALT CO COM 254687106   1,241,231 13,747 SH   SOLE   13,183 0 564
DUKE ENERGY CORP NEW COM NEW 26441C204   264,046 2,721 SH   SOLE   2,721 0 0
ENTERPRISE BANCORP INC MASS COM 293668109   926,160 28,709 SH   SOLE   19,093 0 9,616
META PLATFORMS INC CL A 30303M102   928,791 2,624 SH   SOLE   1,919 0 705
FORD MTR CO DEL COM 345370860   135,064 11,080 SH   SOLE   9,804 0 1,276
GENERAL MTRS CO COM 37045V100   327,728 9,124 SH   SOLE   6,217 0 2,907
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   183,352 11,325 SH   SOLE   11,325 0 0
HCA HEALTHCARE INC COM 40412C101   243,883 901 SH   SOLE   205 0 696
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   273,652 25,695 SH   SOLE   25,695 0 0
HOME DEPOT INC COM 437076102   3,864,260 11,151 SH   SOLE   9,845 0 1,306
HONEYWELL INTL INC COM 438516106   1,096,526 5,229 SH   SOLE   4,396 0 833
ILLINOIS TOOL WKS INC COM 452308109   458,889 1,752 SH   SOLE   1,752 0 0
INDEPENDENT BK CORP MASS COM 453836108   523,000 7,947 SH   SOLE   7,672 0 275
INTERNATIONAL BUSINESS MACHS COM 459200101   1,373,562 8,398 SH   SOLE   4,301 0 4,097
INVESCO QQQ TR UNIT SER 1 46090E103   2,612,384 6,379 SH   SOLE   5,919 0 460
ISHARES TR CORE S&P TTL STK 464287150   417,842 3,971 SH   SOLE   3,951 0 20
ISHARES TR SELECT DIVID ETF 464287168   402,299 3,432 SH   SOLE   3,432 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,265,720 2,650 SH   SOLE   2,409 0 241
ISHARES TR S&P 500 GRWT ETF 464287309   11,843,528 157,703 SH   SOLE   151,163 0 6,540
ISHARES TR S&P 500 VAL ETF 464287408   795,051 4,572 SH   SOLE   4,395 0 177
ISHARES TR RUS MD CP GR ETF 464287481   789,718 7,560 SH   SOLE   7,267 0 293
ISHARES TR RUS MID CAP ETF 464287499   3,084,034 39,676 SH   SOLE   37,223 0 2,453
ISHARES TR CORE S&P MCP ETF 464287507   610,307 2,202 SH   SOLE   2,092 0 110
ISHARES TR S&P MC 400GR ETF 464287606   292,797 3,696 SH   SOLE   3,696 0 0
ISHARES TR CORE S&P US VLU 464287663   11,472,313 136,041 SH   SOLE   125,976 0 10,065
ISHARES TR U.S. UTILITS ETF 464287697   298,698 3,737 SH   SOLE   2,140 0 1,597
ISHARES TR CORE S&P SCP ETF 464287804   3,396,628 31,378 SH   SOLE   29,049 0 2,329
ISHARES TR S&P SML 600 GWT 464287887   649,101 5,187 SH   SOLE   5,187 0 0
ISHARES TR NEW YORK MUN ETF 464288323   259,632 4,800 SH   SOLE   4,800 0 0
ISHARES TR CALIF MUN BD ETF 464288356   824,428 14,229 SH   SOLE   0 0 14,229
ISHARES TR NATIONAL MUN ETF 464288414   1,819,901 16,787 SH   SOLE   11,983 0 4,804
ISHARES TR ISHS 5-10YR INVT 464288638   15,191,898 292,152 SH   SOLE   254,635 0 37,517
ISHARES TR PFD AND INCM SEC 464288687   202,267 6,485 SH   SOLE   6,485 0 0
ISHARES TR US HLTHCR PR ETF 464288828   837,796 3,191 SH   SOLE   1,774 0 1,417
ISHARES TR MSCI USA MIN VOL 46429B697   231,437 2,966 SH   SOLE   1,805 0 1,161
ISHARES TR CORE MSCI TOTAL 46432F834   6,920,129 106,578 SH   SOLE   101,955 0 4,623
ISHARES TR CORE 1 5 YR USD 46432F859   2,909,753 61,181 SH   SOLE   55,652 0 5,529
ISHARES TR CORE DIV GRWTH 46434V621   338,043 6,281 SH   SOLE   3,406 0 2,875
JPMORGAN CHASE & CO COM 46625H100   2,437,203 14,328 SH   SOLE   12,643 0 1,685
JOHNSON & JOHNSON COM 478160104   2,002,788 12,778 SH   SOLE   11,939 0 839
ELI LILLY & CO COM 532457108   3,099,386 5,317 SH   SOLE   5,151 0 166
LOCKHEED MARTIN CORP COM 539830109   256,534 566 SH   SOLE   373 0 193
LULULEMON ATHLETICA INC COM 550021109   1,437,236 2,811 SH   SOLE   2,086 0 725
MARRIOTT INTL INC NEW CL A 571903202   727,270 3,225 SH   SOLE   3,225 0 0
MCDONALDS CORP COM 580135101   2,356,463 7,947 SH   SOLE   7,281 0 666
MERCK & CO INC COM 58933Y105   912,333 8,368 SH   SOLE   7,803 0 565
MICROSOFT CORP COM 594918104   7,149,178 19,012 SH   SOLE   16,464 0 2,548
MICROCHIP TECHNOLOGY INC. COM 595017104   1,043,392 11,570 SH   SOLE   8,490 0 3,080
MODERNA INC COM 60770K107   302,626 3,043 SH   SOLE   1,182 0 1,861
NEXTERA ENERGY INC COM 65339F101   625,622 10,300 SH   SOLE   9,460 0 840
NIKE INC CL B 654106103   1,149,756 10,590 SH   SOLE   10,240 0 350
NVIDIA CORPORATION COM 67066G104   1,178,624 2,380 SH   SOLE   2,380 0 0
PELOTON INTERACTIVE INC CL A COM 70614W100   60,900 10,000 SH   SOLE   10,000 0 0
PEPSICO INC COM 713448108   1,811,344 10,665 SH   SOLE   8,388 0 2,277
PIMCO HIGH INCOME FD COM SHS 722014107   183,632 36,800 SH   SOLE   36,800 0 0
PROCTER AND GAMBLE CO COM 742718109   488,857 3,336 SH   SOLE   2,546 0 790
SPDR S&P 500 ETF TR TR UNIT 78462F103   923,507 1,943 SH   SOLE   1,789 0 154
SPDR SER TR S&P HOMEBUILD 78464A888   572,359 5,983 SH   SOLE   2,583 0 3,400
SAFETY INS GROUP INC COM 78648T100   2,347,064 30,886 SH   SOLE   29,996 0 890
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   298,344 1,550 SH   SOLE   1,550 0 0
STARBUCKS CORP COM 855244109   1,507,296 15,699 SH   SOLE   14,197 0 1,502
SUPER MICRO COMPUTER INC COM 86800U104   472,156 1,661 SH   SOLE   940 0 721
SYSCO CORP COM 871829107   344,772 4,715 SH   SOLE   4,715 0 0
TJX COS INC NEW COM 872540109   1,140,201 12,154 SH   SOLE   8,503 0 3,651
TRACTOR SUPPLY CO COM 892356106   258,036 1,200 SH   SOLE   1,200 0 0
UNION PAC CORP COM 907818108   778,674 3,170 SH   SOLE   3,170 0 0
VAIL RESORTS INC COM 91879Q109   751,622 3,521 SH   SOLE   3,440 0 81
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   302,630 1,776 SH   SOLE   1,358 0 418
VANGUARD STAR FDS VG TL INTL STK F 921909768   725,196 12,512 SH   SOLE   12,073 0 439
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,034,113 21,589 SH   SOLE   16,855 0 4,734
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   469,511 5,089 SH   SOLE   1,973 0 3,116
VANGUARD WORLD FDS INF TECH ETF 92204A702   219,871 454 SH   SOLE   428 0 26
VANGUARD WORLD FDS UTILITIES ETF 92204A876   978,033 7,135 SH   SOLE   5,422 0 1,713
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   653,474 8,446 SH   SOLE   7,663 0 783
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,313,576 28,464 SH   SOLE   23,106 0 5,359
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   450,772 8,830 SH   SOLE   3,930 0 4,900
VANGUARD INDEX FDS SML CP GRW ETF 922908595   702,394 2,905 SH   SOLE   2,815 0 91
VANGUARD INDEX FDS GROWTH ETF 922908736   1,797,993 5,784 SH   SOLE   4,680 0 1,103
VANGUARD INDEX FDS VALUE ETF 922908744   559,115 3,740 SH   SOLE   2,469 0 1,271
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,154,755 5,413 SH   SOLE   4,546 0 867
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,379,147 14,245 SH   SOLE   13,998 0 247
VERTIV HOLDINGS CO COM CL A 92537N108   492,115 10,246 SH   SOLE   5,740 0 4,506
VISA INC COM CL A 92826C839   1,521,890 5,846 SH   SOLE   5,161 0 685
WEC ENERGY GROUP INC COM 92939U106   361,342 4,293 SH   SOLE   3,853 0 440
YUM BRANDS INC COM 988498101   375,971 2,877 SH   SOLE   2,877 0 0
ZOETIS INC CL A 98978V103   1,220,390 6,183 SH   SOLE   5,755 0 428