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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPS ETF TR REIT DIVIDE DOGS 00162Q106 214 4,211 SH   SOLE   0 0 4,211
ADOBE SYSTEMS INCORPORATED COM 00724F101 456 1,000 SH   SOLE   0 0 1,000
AMAZON COM INC COM 023135106 244 75 SH   SOLE   0 0 75
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,696 45,477 SH   SOLE   0 0 45,477
AMERICAN CENTY ETF TR US SML CP VALU 025072877 1,455 18,226 SH   SOLE   0 0 18,225
AMERICAS GOLD AND SILVER COR COM 03062D100 27 25,000 SH   SOLE   0 0 25,000
APPLE INC COM 037833100 1,730 9,909 SH   SOLE   0 0 9,908
ARCHER DANIELS MIDLAND CO COM 039483102 508 5,624 SH   SOLE   0 0 5,624
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 269 762 SH   SOLE   0 0 762
BIOLIFE SOLUTIONS INC COM NEW 09062W204 275 12,092 SH   SOLE   0 0 12,092
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 31,051 365,604 SH   SOLE   0 0 365,604
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404 15,070 214,473 SH   SOLE   0 0 214,473
BNY MELLON ETF TRUST CORE BOND ETF 09661T602 31,661 687,382 SH   SOLE   0 0 687,382
CAMBRIDGE BANCORP COM 132152109 1,561 18,362 SH   SOLE   0 0 18,362
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 11,842 237,934 SH   SOLE   0 0 237,934
FIRST TR SR FLTG RATE INCOME COM 33733U108 153 12,205 SH   SOLE   0 0 12,204
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 1,165 21,949 SH   SOLE   0 0 21,948
FOCUS FINL PARTNERS INC COM CL A 34417P100 2,184 47,744 SH   SOLE   0 0 47,744
FORD MTR CO DEL COM 345370860 1,386 81,949 SH   SOLE   0 0 81,948
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 11,246 533,754 SH   SOLE   0 0 533,754
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 12,680 600,931 SH   SOLE   0 0 600,930
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 8,265 388,756 SH   SOLE   0 0 388,756
ISHARES TR S&P 100 ETF 464287101 906 4,347 SH   SOLE   0 0 4,347
ISHARES TR CORE S&P TTL STK 464287150 3,724 36,896 SH   SOLE   0 0 36,896
ISHARES TR CORE S&P500 ETF 464287200 1,453 3,202 SH   SOLE   0 0 3,201
ISHARES TR CORE US AGGBD ET 464287226 827 7,718 SH   SOLE   0 0 7,718
ISHARES TR NORTH AMERN NAT 464287374 1,508 37,281 SH   SOLE   0 0 37,281
ISHARES TR RUS 1000 ETF 464287622 5,743 22,967 SH   SOLE   0 0 22,966
ISHARES TR NATIONAL MUN ETF 464288414 519 4,734 SH   SOLE   0 0 4,733
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,592 34,234 SH   SOLE   0 0 34,233
ISHARES TR MSCI INTL SML CP 46434V266 2,115 61,579 SH   SOLE   0 0 61,578
ISHARES TR IBONDS DEC2023 46435G318 2,676 105,049 SH   SOLE   0 0 105,049
ISHARES TR IBONDS DEC2022 46435G755 2,533 97,721 SH   SOLE   0 0 97,720
ISHARES TR IBONDS DEC 26 46435U259 1,000 39,211 SH   SOLE   0 0 39,211
ISHARES TR IBONDS DEC 25 46435U432 1,139 42,711 SH   SOLE   0 0 42,710
ISHARES TR ESG AWR US AGRGT 46435U549 670 12,975 SH   SOLE   0 0 12,975
ISHARES TR IBONDS DEC 46435U697 2,522 97,019 SH   SOLE   0 0 97,018
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102 205 7,028 SH   SOLE   0 0 7,028
LEVEL ONE BANCORP INC COM 52730D208 499 12,500 SH   SOLE   0 0 12,500
MICROSOFT CORP COM 594918104 987 3,202 SH   SOLE   0 0 3,202
NOVO-NORDISK A S ADR 670100205 285 2,563 SH   SOLE   0 0 2,563
PFIZER INC COM 717081103 402 7,774 SH   SOLE   0 0 7,774
PROCTER AND GAMBLE CO COM 742718109 223 1,459 SH   SOLE   0 0 1,458
QUALCOMM INC COM 747525103 362 2,369 SH   SOLE   0 0 2,369
SPDR S&P 500 ETF TR TR UNIT 78462F103 461 1,022 SH   SOLE   0 0 1,021
SPDR GOLD TR GOLD SHS 78463V107 498 2,756 SH   SOLE   0 0 2,756
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426 396 6,180 SH   SOLE   0 0 6,179
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 204 5,288 SH   SOLE   0 0 5,287
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 11,433 333,515 SH   SOLE   0 0 333,514
SPDR SER TR PORTFOLIO AGRGTE 78464A649 9,135 328,723 SH   SOLE   0 0 328,722
SPDR SER TR S&P DIVID ETF 78464A763 1,126 8,786 SH   SOLE   0 0 8,785
SPDR SER TR PORTFOLI S&P1500 78464A805 12,148 218,563 SH   SOLE   0 0 218,563
SPDR SER TR PORTFOLIO S&P400 78464A847 319 6,772 SH   SOLE   0 0 6,771
SPDR SER TR PORTFOLIO S&P500 78464A854 2,418 45,518 SH   SOLE   0 0 45,517
SPDR SER TR PORTFOLIO SH TSR 78468R101 1,181 39,845 SH   SOLE   0 0 39,844
SPDR SER TR NUVEEN BLMBRG MU 78468R721 380 7,936 SH   SOLE   0 0 7,935
SPDR SER TR NUVEEN BLMBRG SH 78468R739 253 5,339 SH   SOLE   0 0 5,338
SPDR SER TR MSCI USA STRTGIC 78468R812 7,259 58,259 SH   SOLE   0 0 58,258
SPDR SER TR PORTFOLIO S&P600 78468R853 625 14,851 SH   SOLE   0 0 14,850
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309 602 13,191 SH   SOLE   0 0 13,190
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,728 310,639 SH   SOLE   0 0 310,638
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 4,510 59,447 SH   SOLE   0 0 59,446
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 343 7,245 SH   SOLE   0 0 7,245
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 358 9,761 SH   SOLE   0 0 9,760
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 7,715 152,554 SH   SOLE   0 0 152,554
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 1,100 22,202 SH   SOLE   0 0 22,201
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 416 2,620 SH   SOLE   0 0 2,619
SPERO THERAPEUTICS INC COM 84833T103 365 42,000 SH   SOLE   0 0 42,000
SPROTT PHYSICAL GOLD TR UNIT 85207H104 12,159 791,063 SH   SOLE   0 0 791,063
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 192 21,842 SH   SOLE   0 0 21,842
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 6,437 86,169 SH   SOLE   0 0 86,168
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,997 12,316 SH   SOLE   0 0 12,316
VANGUARD WORLD FD ESG US STK ETF 921910733 220 2,709 SH   SOLE   0 0 2,708
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 700 6,234 SH   SOLE   0 0 6,234
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,416 27,642 SH   SOLE   0 0 27,642
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 443 8,527 SH   SOLE   0 0 8,527
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 480 5,135 SH   SOLE   0 0 5,135
VANGUARD WORLD FDS MATERIALS ETF 92204A801 1,234 6,360 SH   SOLE   0 0 6,360
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 249 1,117 SH   SOLE   0 0 1,117
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,698 15,670 SH   SOLE   0 0 15,670
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,427 5,753 SH   SOLE   0 0 5,753
VANGUARD INDEX FDS MID CAP ETF 922908629 2,943 12,373 SH   SOLE   0 0 12,372
VANGUARD INDEX FDS LARGE CAP ETF 922908637 218 1,044 SH   SOLE   0 0 1,044
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 201 1,211 SH   SOLE   0 0 1,210
VANGUARD INDEX FDS GROWTH ETF 922908736 4,678 16,264 SH   SOLE   0 0 16,263
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,027 13,295 SH   SOLE   0 0 13,295
WISDOMTREE TR INTL EQUITY FD 97717W703 336 6,372 SH   SOLE   0 0 6,372
WISDOMTREE TR GLB US QTLY DIV 97717W844 2,879 72,478 SH   SOLE   0 0 72,477
WISDOMTREE TR US QTLY DIV GRT 97717X669 1,922 30,187 SH   SOLE   0 0 30,187