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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   290 2,640 SH   SOLE   0 0 2,640
ABBVIE INC COM 00287Y109   350 2,166 SH   SOLE   0 0 2,166
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   719 8,053 SH   SOLE   0 0 8,053
ADOBE SYSTEMS INCORPORATED COM 00724F101   679 2,019 SH   SOLE   0 0 2,019
ALPHABET INC CAP STK CL C 02079K107   1,002 11,292 SH   SOLE   0 0 11,292
ALPHABET INC CAP STK CL A 02079K305   790 8,956 SH   SOLE   0 0 8,956
AMAZON COM INC COM 023135106   636 7,568 SH   SOLE   0 0 7,568
AMERICAN ELEC PWR CO INC COM 025537101   326 3,431 SH   SOLE   0 0 3,431
AMERICAN EXPRESS CO COM 025816109   201 1,363 SH   SOLE   0 0 1,363
ANSYS INC COM 03662Q105   254 1,053 SH   SOLE   0 0 1,053
APPLE INC COM 037833100   2,302 17,717 SH   SOLE   0 0 17,717
ARCHER DANIELS MIDLAND CO COM 039483102   281 3,025 SH   SOLE   0 0 3,025
ASTRAZENECA PLC SPONSORED ADR 046353108   282 4,155 SH   SOLE   0 0 4,155
AUTOMATIC DATA PROCESSING IN COM 053015103   544 2,276 SH   SOLE   0 0 2,276
BANK AMERICA CORP COM 060505104   427 12,905 SH   SOLE   0 0 12,905
BANK MONTREAL QUE COM 063671101   201 2,216 SH   SOLE   0 0 2,216
BERKSHIRE HATHAWAY INC DEL CL A 084670108   469 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,320 4,272 SH   SOLE   0 0 4,272
BHP GROUP LTD SPONSORED ADS 088606108   270 4,350 SH   SOLE   0 0 4,350
BOEING CO COM 097023105   1,133 5,946 SH   SOLE   0 0 5,946
BOOKING HOLDINGS INC COM 09857L108   204 101 SH   SOLE   0 0 101
BOSTON SCIENTIFIC CORP COM 101137107   1,977 42,722 SH   SOLE   0 0 42,722
BROADCOM INC COM 11135F101   309 552 SH   SOLE   0 0 552
CHARTER COMMUNICATIONS INC N CL A 16119P108   211 621 SH   SOLE   0 0 621
CHUBB LIMITED COM H1467J104   287 1,299 SH   SOLE   0 0 1,299
CIGNA CORP NEW COM 125523100   341 1,030 SH   SOLE   0 0 1,030
CISCO SYS INC COM 17275R102   276 5,798 SH   SOLE   0 0 5,798
COCA COLA CO COM 191216100   490 7,701 SH   SOLE   0 0 7,701
COMCAST CORP NEW CL A 20030N101   403 11,535 SH   SOLE   0 0 11,535
CONAGRA BRANDS INC COM 205887102   214 5,523 SH   SOLE   0 0 5,523
CONOCOPHILLIPS COM 20825C104   375 3,180 SH   SOLE   0 0 3,180
CVS HEALTH CORP COM 126650100   339 3,638 SH   SOLE   0 0 3,638
DANAHER CORPORATION COM 235851102   380 1,432 SH   SOLE   0 0 1,432
DIGITALOCEAN HLDGS INC COM 25402D102   433 16,986 SH   SOLE   0 0 16,986
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   387 12,720 SH   SOLE   0 0 12,720
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   509 20,969 SH   SOLE   0 0 20,969
DOLLAR GEN CORP NEW COM 256677105   205 834 SH   SOLE   0 0 834
DOLLAR TREE INC COM 256746108   207 1,466 SH   SOLE   0 0 1,466
EASTERN BANKSHARES INC COM 27627N105   799 172,438 SH   SOLE   0 0 172,438
ELECTRONIC ARTS INC COM 285512109   205 1,680 SH   SOLE   0 0 1,680
EXXON MOBIL CORP COM 30231G102   644 5,841 SH   SOLE   0 0 5,841
FISERV INC COM 337738108   354 3,498 SH   SOLE   0 0 3,498
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   1,489 14,936 SH   SOLE   0 0 14,936
HAEMONETICS CORP MASS COM 405024100   1,130 14,368 SH   SOLE   0 0 14,368
HESS CORP COM 42809H107   209 1,475 SH   SOLE   0 0 1,475
HOLOGIC INC COM 436440101   646 8,641 SH   SOLE   0 0 8,641
HOME DEPOT INC COM 437076102   994 3,148 SH   SOLE   0 0 3,148
HONEYWELL INTL INC COM 438516106   437 2,038 SH   SOLE   0 0 2,038
HUBSPOT INC COM 443573100   583 2,018 SH   SOLE   0 0 2,018
INTERNATIONAL BUSINESS MACHS COM 459200101   649 4,608 SH   SOLE   0 0 4,608
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   792 5,226 SH   SOLE   0 0 5,226
INVESCO QQQ TR UNIT SER 1 46090E103   253 951 SH   SOLE   0 0 951
ISHARES INC CORE MSCI EMKT 46434G103   13,260 283,941 SH   SOLE   0 0 283,941
ISHARES TR 1 3 YR TREAS BD 464287457   3,361 41,408 SH   SOLE   0 0 41,408
ISHARES TR CORE US AGGBD ET 464287226   24,230 249,818 SH   SOLE   0 0 249,818
ISHARES TR NATIONAL MUN ETF 464288414   14,068 133,323 SH   SOLE   0 0 133,323
ISHARES TR CORE MSCI EAFE 46432F842   9,030 146,493 SH   SOLE   0 0 146,493
ISHARES TR CORE S&P MCP ETF 464287507   35,748 147,785 SH   SOLE   0 0 147,785
ISHARES TR FLTG RATE NT ETF 46429B655   6,167 122,528 SH   SOLE   0 0 122,528
ISHARES TR IBOXX INV CP ETF 464287242   460 4,362 SH   SOLE   0 0 4,362
ISHARES TR IBOXX HI YD ETF 464288513   4,391 59,637 SH   SOLE   0 0 59,637
ISHARES TR MSCI EAFE ETF 464287465   254 3,869 SH   SOLE   0 0 3,869
ISHARES TR EAFE SML CP ETF 464288273   3,887 68,827 SH   SOLE   0 0 68,827
ISHARES TR RUS 1000 ETF 464287622   32,482 154,293 SH   SOLE   0 0 154,293
ISHARES TR RUS 1000 GRW ETF 464287614   449 2,098 SH   SOLE   0 0 2,098
ISHARES TR RUS 1000 VAL ETF 464287598   430 2,839 SH   SOLE   0 0 2,839
ISHARES TR RUSSELL 2000 ETF 464287655   8,159 46,792 SH   SOLE   0 0 46,792
ISHARES TR RUSSELL 3000 ETF 464287689   2,391 10,833 SH   SOLE   0 0 10,833
ISHARES TR S&P 500 GRWT ETF 464287309   564 9,646 SH   SOLE   0 0 9,646
ISHARES TR CORE S&P500 ETF 464287200   88,279 229,768 SH   SOLE   0 0 229,768
ISHARES TR CORE S&P SCP ETF 464287804   20,988 221,770 SH   SOLE   0 0 221,770
ISHARES TR SHRT NAT MUN ETF 464288158   6,479 62,133 SH   SOLE   0 0 62,133
ISHARES TR CORE S&P TTL STK 464287150   8,225 96,997 SH   SOLE   0 0 96,997
ISHARES TR CORE MSCI TOTAL 46432F834   2,375 41,038 SH   SOLE   0 0 41,038
JOHNSON & JOHNSON COM 478160104   806 4,564 SH   SOLE   0 0 4,564
JPMORGAN CHASE & CO COM 46625H100   1,225 9,134 SH   SOLE   0 0 9,134
LAM RESEARCH CORP COM 512807108   303 720 SH   SOLE   0 0 720
LILLY ELI & CO COM 532457108   468 1,280 SH   SOLE   0 0 1,280
LINDE PLC SHS G5494J103   219 670 SH   SOLE   0 0 670
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   166 75,622 SH   SOLE   0 0 75,622
MARSH & MCLENNAN COS INC COM 571748102   220 1,327 SH   SOLE   0 0 1,327
MASTERCARD INCORPORATED CL A 57636Q104   288 828 SH   SOLE   0 0 828
MCDONALDS CORP COM 580135101   353 1,339 SH   SOLE   0 0 1,339
MERCK & CO INC COM 58933Y105   719 6,480 SH   SOLE   0 0 6,480
META PLATFORMS INC CL A 30303M102   651 5,407 SH   SOLE   0 0 5,407
METLIFE INC COM 59156R108   216 2,984 SH   SOLE   0 0 2,984
MICROSOFT CORP COM 594918104   1,548 6,453 SH   SOLE   0 0 6,453
MOTOROLA SOLUTIONS INC COM NEW 620076307   265 1,029 SH   SOLE   0 0 1,029
NETFLIX INC COM 64110L106   383 1,300 SH   SOLE   0 0 1,300
NEXTERA ENERGY INC COM 65339F101   357 4,273 SH   SOLE   0 0 4,273
NIKE INC CL B 654106103   218 1,862 SH   SOLE   0 0 1,862
NOKIA CORP SPONSORED ADR 654902204   552 118,987 SH   SOLE   0 0 118,987
NORTHROP GRUMMAN CORP COM 666807102   328 602 SH   SOLE   0 0 602
NOVARTIS AG SPONSORED ADR 66987V109   312 3,438 SH   SOLE   0 0 3,438
NOVO-NORDISK A S ADR 670100205   311 2,297 SH   SOLE   0 0 2,297
NUVEEN DYNAMIC MUN OPPORTUNI COM SHS 67079X102   249 25,000 SH   SOLE   0 0 25,000
NVIDIA CORPORATION COM 67066G104   468 3,203 SH   SOLE   0 0 3,203
NXP SEMICONDUCTORS N V COM N6596X109   256 1,619 SH   SOLE   0 0 1,619
ON SEMICONDUCTOR CORP COM 682189105   220 3,529 SH   SOLE   0 0 3,529
PAYCHEX INC COM 704326107   342 2,956 SH   SOLE   0 0 2,956
PEPSICO INC COM 713448108   588 3,256 SH   SOLE   0 0 3,256
PFIZER INC COM 717081103   666 12,995 SH   SOLE   0 0 12,995
PHILIP MORRIS INTL INC COM 718172109   282 2,789 SH   SOLE   0 0 2,789
PIMCO ACCESS INCOME FUND SHS BENFIN INT 72203T100   185 12,500 SH   SOLE   0 0 12,500
PIMCO DYNAMIC INCOME OPRNTS COM BEN SHS 69355M107   209 16,405 SH   SOLE   0 0 16,405
PIONEER MUN HIGH INCOME OPPO COMMON STOCK 723760104   109 10,225 SH   SOLE   0 0 10,225
PROCTER AND GAMBLE CO COM 742718109   593 3,910 SH   SOLE   0 0 3,910
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   278 4,544 SH   SOLE   0 0 4,544
RAYTHEON TECHNOLOGIES CORP COM 75513E101   319 3,158 SH   SOLE   0 0 3,158
ROYAL BK CDA SUSTAINABL COM 780087102   283 3,011 SH   SOLE   0 0 3,011
S&P GLOBAL INC COM 78409V104   310 927 SH   SOLE   0 0 927
SCHWAB CHARLES CORP COM 808513105   202 2,423 SH   SOLE   0 0 2,423
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,878 58,290 SH   SOLE   0 0 58,290
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,534 48,750 SH   SOLE   0 0 48,750
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   534 11,838 SH   SOLE   0 0 11,838
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,553 38,916 SH   SOLE   0 0 38,916
SHELL PLC SPON ADS 780259305   321 5,641 SH   SOLE   0 0 5,641
SONY GROUP CORPORATION SPONSORED ADR 835699307   217 2,844 SH   SOLE   0 0 2,844
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,207 127,635 SH   SOLE   0 0 127,635
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,578 11,971 SH   SOLE   0 0 11,971
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   553 1,248 SH   SOLE   0 0 1,248
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   270 2,949 SH   SOLE   0 0 2,949
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,117 12,408 SH   SOLE   0 0 12,408
SPDR SER TR S&P 500 ESG ETF 78468R531   314 8,575 SH   SOLE   0 0 8,575
SPDR SER TR S&P DIVID ETF 78464A763   498 3,977 SH   SOLE   0 0 3,977
STARBUCKS CORP COM 855244109   226 2,282 SH   SOLE   0 0 2,282
STELLANTIS N.V SHS N82405106   175 12,302 SH   SOLE   0 0 12,302
TELEDYNE TECHNOLOGIES INC COM 879360105   200 501 SH   SOLE   0 0 501
TEXAS INSTRS INC COM 882508104   695 4,205 SH   SOLE   0 0 4,205
THERMO FISHER SCIENTIFIC INC COM 883556102   234 425 SH   SOLE   0 0 425
TJX COS INC NEW COM 872540109   328 4,122 SH   SOLE   0 0 4,122
TORONTO DOMINION BK ONT COM NEW 891160509   261 4,036 SH   SOLE   0 0 4,036
TOTALENERGIES SE SPONSORED ADS 89151E109   229 3,691 SH   SOLE   0 0 3,691
TOYOTA MOTOR CORP ADS 892331307   240 1,759 SH   SOLE   0 0 1,759
UNITEDHEALTH GROUP INC COM 91324P102   539 1,016 SH   SOLE   0 0 1,016
VALE S A SPONSORED ADS 91912E105   186 10,939 SH   SOLE   0 0 10,939
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,181 30,355 SH   SOLE   0 0 30,355
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   5,740 43,205 SH   SOLE   0 0 43,205
VANGUARD INDEX FDS GROWTH ETF 922908736   1,377 6,462 SH   SOLE   0 0 6,462
VANGUARD INDEX FDS MID CAP ETF 922908629   14,958 73,392 SH   SOLE   0 0 73,392
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,370 9,593 SH   SOLE   0 0 9,593
VANGUARD INDEX FDS SMALL CP ETF 922908751   10,167 55,394 SH   SOLE   0 0 55,394
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,543 18,530 SH   SOLE   0 0 18,530
VANGUARD INDEX FDS VALUE ETF 922908744   892 6,357 SH   SOLE   0 0 6,357
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   455 9,073 SH   SOLE   0 0 9,073
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   1,414 13,754 SH   SOLE   0 0 13,754
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,184 107,345 SH   SOLE   0 0 107,345
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   8,363 168,977 SH   SOLE   0 0 168,977
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,345 127,356 SH   SOLE   0 0 127,356
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   683 6,311 SH   SOLE   0 0 6,311
VERIZON COMMUNICATIONS INC COM 92343V104   579 14,691 SH   SOLE   0 0 14,691
VISA INC COM CL A 92826C839   330 1,590 SH   SOLE   0 0 1,590
YUM BRANDS INC COM 988498101   254 1,981 SH   SOLE   0 0 1,981