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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 1,006 8,272 SH   SOLE   0 0 8,272
BIOLIFE SOLUTIONS INC COM NEW 09062W204 1,011 28,093 SH   SOLE   0 0 28,093
BLUEBIRD BIO INC COM 09609G100 302 10,000 SH   SOLE   0 0 10,000
CAMBRIDGE BANCORP COM 132152109 1,379 16,355 SH   SOLE   0 0 16,355
ETF MANAGERS TR ETFMG ALTR HRVST 26924G508 231 10,013 SH   SOLE   0 0 10,013
FIDELITY COVINGTON TRUST TOTAL BD ETF 316188309 2,490 50,593 SH   SOLE   0 0 50,592
FIRST TR SR FLG RTE INCM FD COM 33733U108 138 11,230 SH   SOLE   0 0 11,230
FOCUS FINL PARTNERS INC COM CL A 34417P100 1,987 47,744 SH   SOLE   0 0 47,744
FORD MTR CO DEL COM 345370860 374 30,091 SH   SOLE   0 0 30,091
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 8,849 408,888 SH   SOLE   0 0 408,887
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 8,474 380,322 SH   SOLE   0 0 380,321
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 9,427 419,731 SH   SOLE   0 0 419,731
ISHARES GOLD TR ISHARES 464285105 1,637 29,559 SH   SOLE   0 0 29,559
ISHARES TR CORE S&P TTL STK 464287150 3,450 37,669 SH   SOLE   0 0 37,668
ISHARES TR CORE S&P500 ETF 464287200 1,046 18,953 SH   SOLE   0 0 18,952
ISHARES TR CORE US AGGBD ET 464287226 1,252 20,954 SH   SOLE   0 0 20,954
ISHARES TR RUS 1000 ETF 464287622 207 4,490 SH   SOLE   0 0 4,490
ISHARES TR NATIONAL MUN ETF 464288414 535 4,608 SH   SOLE   0 0 4,608
ISHARES TR MSCI INTL SML CP 46434V266 4,194 78,240 SH   SOLE   0 0 78,240
ISHARES TR MSCI USA MULTIFT 46434V282 421 8,549 SH   SOLE   0 0 8,549
ISHARES TR IBONDS DEC2023 46435G318 2,307 87,892 SH   SOLE   0 0 87,891
ISHARES TR CORE INTL AGGR 46435G672 201 3,672 SH   SOLE   0 0 3,672
ISHARES TR IBONDS DEC2022 46435G755 2,280 84,726 SH   SOLE   0 0 84,725
ISHARES TR IBONDS DEC2021 46435G789 2,452 89,526 SH   SOLE   0 0 89,525
ISHARES TR IBONDS DEC 26 46435U259 475 17,699 SH   SOLE   0 0 17,699
ISHARES TR IBONDS DEC 25 46435U432 1,165 41,709 SH   SOLE   0 0 41,709
ISHARES TR IBONDS DEC 46435U697 1,913 70,813 SH   SOLE   0 0 70,812
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 208 7,018 SH   SOLE   0 0 7,018
MICROSOFT CORP COM 594918104 654 2,786 SH   SOLE   0 0 2,785
SPDR S&P 500 ETF TR TR UNIT 78462F103 426 1,074 SH   SOLE   0 0 1,074
SPDR GOLD TR GOLD SHS 78463V107 435 3,632 SH   SOLE   0 0 3,632
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 2,351 46,719 SH   SOLE   0 0 46,719
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 20,881 564,649 SH   SOLE   0 0 564,649
SPDR SER TR PORTFOLIO AGRGTE 78464A649 35,701 1,204,065 SH   SOLE   0 0 1,204,064
SPDR SER TR S&P DIVID ETF 78464A763 1,057 15,187 SH   SOLE   0 0 15,187
SPDR SER TR PORTFOLI S&P1500 78464A805 35,490 721,494 SH   SOLE   0 0 721,493
SPDR SER TR PORTFOLIO S&P400 78464A847 290 6,342 SH   SOLE   0 0 6,342
SPDR SER TR PORTFOLIO S&P500 78464A854 1,470 31,534 SH   SOLE   0 0 31,534
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 585 12,142 SH   SOLE   0 0 12,142
SPDR SER TR PORTFOLIO SH TSR 78468R101 5,592 178,460 SH   SOLE   0 0 178,460
SPDR SER TR BLOMBERG BRC INV 78468R200 205 6,666 SH   SOLE   0 0 6,665
SPDR SER TR NUVEEN BRC MUNIC 78468R721 323 6,252 SH   SOLE   0 0 6,252
SPDR SER TR MSCI USA STRTGIC 78468R812 2,723 51,011 SH   SOLE   0 0 51,011
SPDR SER TR PORTFOLIO S&P600 78468R853 445 10,524 SH   SOLE   0 0 10,523
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 629 12,505 SH   SOLE   0 0 12,504
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,378 112,726 SH   SOLE   0 0 112,725
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 7,383 144,102 SH   SOLE   0 0 144,102
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 13,986 306,013 SH   SOLE   0 0 306,013
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 2,489 47,457 SH   SOLE   0 0 47,457
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 2,179 42,397 SH   SOLE   0 0 42,397
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 446 7,984 SH   SOLE   0 0 7,984
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 951 13,343 SH   SOLE   0 0 13,342
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 5,450 129,469 SH   SOLE   0 0 129,469
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 30,564 398,223 SH   SOLE   0 0 398,222
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 374 2,817 SH   SOLE   0 0 2,817
SPERO THERAPEUTICS INC COM 84833T103 425 26,410 SH   SOLE   0 0 26,410
SPROTT PHYSICAL GOLD TR UNIT 85207H104 8,245 608,738 SH   SOLE   0 0 608,738
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 307 9,589 SH   SOLE   0 0 9,589
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 954 18,133 SH   SOLE   0 0 18,133
VANGUARD INDEX FDS MID CAP ETF 922908629 2,030 47,502 SH   SOLE   0 0 47,501
VANGUARD INDEX FDS GROWTH ETF 922908736 2,099 27,928 SH   SOLE   0 0 27,928
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,988 40,732 SH   SOLE   0 0 40,732
VERIZON COMMUNICATIONS INC COM 92343V104 663 11,395 SH   SOLE   0 0 11,395
WALMART INC COM 931142103 782 5,828 SH   SOLE   0 0 5,828
WISDOMTREE TR INTL EQUITY FD 97717W703 1,864 39,182 SH   SOLE   0 0 39,182
WISDOMTREE TR GLB US QTLY DIV 97717W844 7,768 133,247 SH   SOLE   0 0 133,247
WISDOMTREE TR US QTLY DIV GRT 97717X669 6,611 135,997 SH   SOLE   0 0 135,996