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
ALPHABET INC CAP STK CL C 02079K107   229,293 1,627 SH   SOLE   0 0 1,627
ALPHABET INC CAP STK CL A 02079K305   270,300 1,935 SH   SOLE   0 0 1,935
AMAZON COM INC COM 023135106   421,619 2,775 SH   SOLE   60 0 2,715
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   2,356,355 41,787 SH   SOLE   0 0 41,787
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,866,138 20,781 SH   SOLE   0 0 20,781
ANGEL OAK FUNDS TRUST OAK ULTRASHORT 03463K752   1,792,052 35,427 SH   SOLE   0 0 35,427
APPLE INC COM 037833100   5,792,679 30,087 SH   SOLE   2,683 0 27,404
BIOLIFE SOLUTIONS INC COM NEW 09062W204   163,361 10,053 SH   SOLE   0 0 10,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   68,190,377 754,318 SH   SOLE   1,223 0 753,096
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   34,407,424 481,425 SH   SOLE   330 0 481,095
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   46,743,051 1,100,095 SH   SOLE   0 0 1,100,095
CAMBRIDGE BANCORP COM 132152109   1,935,774 27,893 SH   SOLE   0 0 27,893
META PLATFORMS INC CL A 30303M102   362,809 1,025 SH   SOLE   0 0 1,025
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   507,949 15,249 SH   SOLE   4,968 0 10,281
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   10,669,797 231,751 SH   SOLE   4,272 0 227,478
FIRST MERCHANTS CORP COM 320817109   332,163 8,958 SH   SOLE   0 0 8,958
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,314,446 25,442 SH   SOLE   0 0 25,442
FORD MTR CO DEL COM 345370860   641,932 52,661 SH   SOLE   0 0 52,661
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 MUNI 46138J510   420,595 17,705 SH   SOLE   0 0 17,705
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 MUNI 46138J528   392,660 16,004 SH   SOLE   0 0 16,004
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 MUNI 46138J536   298,569 11,983 SH   SOLE   0 0 11,983
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   5,874,147 301,935 SH   SOLE   0 0 301,935
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   10,411,587 539,460 SH   SOLE   0 0 539,460
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   11,148,330 545,017 SH   SOLE   0 0 545,017
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   5,460,931 261,476 SH   SOLE   0 0 261,476
ISHARES GOLD TR ISHARES NEW 464285204   594,310 15,227 SH   SOLE   0 0 15,227
ISHARES INC MSCI AUST ETF 464286103   1,277,850 52,500 SH   SOLE   0 0 52,500
ISHARES INC MSCI CDA ETF 464286509   1,597,414 43,550 SH   SOLE   0 0 43,550
ISHARES TR S&P 100 ETF 464287101   1,317,056 5,896 SH   SOLE   0 0 5,896
ISHARES TR CORE S&P TTL STK 464287150   3,918,958 37,242 SH   SOLE   5,039 0 32,203
ISHARES TR CORE S&P500 ETF 464287200   1,698,525 3,556 SH   SOLE   427 0 3,129
ISHARES TR CORE US AGGBD ET 464287226   455,744 4,592 SH   SOLE   1,324 0 3,268
ISHARES TR RUS 1000 ETF 464287622   5,125,473 19,543 SH   SOLE   54 0 19,489
ISHARES TR NATIONAL MUN ETF 464288414   217,509 2,006 SH   SOLE   0 0 2,006
ISHARES TR 0-5 YR TIPS ETF 46429B747   202,781 2,057 SH   SOLE   0 0 2,057
ISHARES TR CORE MSCI EAFE 46432F842   319,248 4,538 SH   SOLE   3,845 0 693
ISHARES TR INTERNATIONAL SL 46434V266   315,970 9,834 SH   SOLE   0 0 9,834
ISHARES TR IBONDS DEC 26 46435U259   1,676,807 65,729 SH   SOLE   0 0 65,729
ISHARES TR IBONDS DEC 27 46435U283   1,180,788 46,460 SH   SOLE   0 0 46,460
ISHARES TR IBONDS DEC 28 46435U325   1,242,567 48,557 SH   SOLE   0 0 48,557
ISHARES TR IBONDS DEC 25 46435U432   2,205,893 83,100 SH   SOLE   3,464 0 79,636
ISHARES TR ESG AWR US AGRGT 46435U549   1,409,936 29,534 SH   SOLE   0 0 29,534
ISHARES TR IBONDS DEC 46435U697   3,119,714 120,313 SH   SOLE   3,544 0 116,769
JPMORGAN CHASE & CO COM 46625H100   201,228 1,183 SH   SOLE   450 0 733
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   225,782 4,107 SH   SOLE   857 0 3,249
ELI LILLY & CO COM 532457108   329,350 565 SH   SOLE   415 0 150
MATTHEWS ASIA FDS ASIA INNOV ACTIV 577125826   274,558 11,728 SH   SOLE   0 0 11,728
MCDONALDS CORP COM 580135101   500,509 1,688 SH   SOLE   0 0 1,688
MICROSOFT CORP COM 594918104   1,505,538 4,004 SH   SOLE   997 0 3,006
PROCTER AND GAMBLE CO COM 742718109   246,377 1,681 SH   SOLE   160 0 1,521
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300   518,271 16,432 SH   SOLE   0 0 16,432
SPDR S&P 500 ETF TR TR UNIT 78462F103   44,242,729 93,082 SH   SOLE   955 0 92,127
SPDR GOLD TR GOLD SHS 78463V107   506,792 2,651 SH   SOLE   350 0 2,301
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   222,165 3,887 SH   SOLE   0 0 3,887
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,803,689 170,647 SH   SOLE   6,077 0 164,570
SPDR SER TR PORTFOLIO AGRGTE 78464A649   6,710,268 261,711 SH   SOLE   17,098 0 244,613
SPDR SER TR PORTFLI INTRMDIT 78464A672   34,351,015 1,202,767 SH   SOLE   740 0 1,202,027
SPDR SER TR S&P DIVID ETF 78464A763   1,199,779 9,601 SH   SOLE   0 0 9,601
SPDR SER TR PORTFOLI S&P1500 78464A805   10,697,987 183,028 SH   SOLE   0 0 183,028
SPDR SER TR PORTFOLIO S&P400 78464A847   342,854 7,037 SH   SOLE   0 0 7,037
SPDR SER TR PORTFOLIO S&P500 78464A854   3,313,871 59,282 SH   SOLE   0 0 59,282
SPDR SER TR PORTFOLIO SH TSR 78468R101   2,531,353 87,138 SH   SOLE   0 0 87,138
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   1,021,429 11,177 SH   SOLE   1,320 0 9,857
SPDR SER TR NUVEEN BLMBRG MU 78468R721   209,824 4,464 SH   SOLE   0 0 4,464
SPDR SER TR SPDR MSCI USA GE 78468R747   229,608 2,417 SH   SOLE   0 0 2,417
SPDR SER TR MSCI USA STRTGIC 78468R812   1,767,954 13,381 SH   SOLE   0 0 13,381
SPDR SER TR PORTFOLIO S&P600 78468R853   651,367 15,443 SH   SOLE   0 0 15,443
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   601,820 14,350 SH   SOLE   0 0 14,350
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   5,799,184 102,822 SH   SOLE   0 0 102,822
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   206,671 2,491 SH   SOLE   0 0 2,491
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   6,820,130 90,549 SH   SOLE   731 0 89,817
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   505,041 10,691 SH   SOLE   0 0 10,691
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,808,454 36,890 SH   SOLE   0 0 36,890
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   417,236 11,289 SH   SOLE   0 0 11,289
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   308,287 6,613 SH   SOLE   0 0 6,613
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   2,178,908 43,824 SH   SOLE   0 0 43,824
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   363,890 7,511 SH   SOLE   0 0 7,511
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   454,197 2,360 SH   SOLE   920 0 1,440
SPROTT PHYSICAL GOLD TR UNIT 85207H104   14,679,607 921,507 SH   SOLE   0 0 921,507
VANECK ETF TRUST INFLATION ALLOCA 92189F130   3,728,840 146,000 SH   SOLE   0 0 146,000
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,217,254 49,691 SH   SOLE   0 0 49,691
VANGUARD WORLD FD ESG US STK ETF 921910733   296,553 3,486 SH   SOLE   0 0 3,486
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   369,290 3,308 SH   SOLE   0 0 3,308
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   904,162 19,039 SH   SOLE   0 0 19,039
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   297,023 6,974 SH   SOLE   0 0 6,974
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   559,564 5,439 SH   SOLE   0 0 5,439
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,138,310 5,993 SH   SOLE   0 0 5,993
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   205,518 936 SH   SOLE   0 0 936
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,321,512 14,956 SH   SOLE   0 0 14,956
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,329,356 5,498 SH   SOLE   0 0 5,498
VANGUARD INDEX FDS MID CAP ETF 922908629   2,094,847 9,005 SH   SOLE   0 0 9,005
VANGUARD INDEX FDS GROWTH ETF 922908736   4,360,194 14,025 SH   SOLE   0 0 14,025
VANGUARD INDEX FDS VALUE ETF 922908744   421,087 2,817 SH   SOLE   1,209 0 1,608
VANGUARD INDEX FDS SMALL CP ETF 922908751   224,850 1,054 SH   SOLE   0 0 1,054
WISDOMTREE TR INTL EQUITY FD 97717W703   231,307 4,405 SH   SOLE   0 0 4,405
WISDOMTREE TR GLB US QTLY DIV 97717W844   2,907,506 78,602 SH   SOLE   0 0 78,602
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,318,840 32,994 SH   SOLE   0 0 32,994
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   807,569 16,074 SH   SOLE   0 0 16,074