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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 236 1,996 SH   SOLE   0 0 1,996
ABBVIE INC COM 00287Y109 714 4,403 SH   SOLE   0 0 4,403
ADOBE SYSTEMS INCORPORATED COM 00724F101 423 928 SH   SOLE   0 0 928
ALPHABET INC CAP STK CL C 02079K107 1,500 537 SH   SOLE   0 0 537
AMAZON COM INC COM 023135106 666 204 SH   SOLE   0 0 204
AMERICAN EXPRESS CO COM 025816109 1,711 9,148 SH   SOLE   0 0 9,148
AMES NATL CORP COM 031001100 972 39,106 SH   SOLE   0 0 39,106
AMGEN INC COM 031162100 728 3,010 SH   SOLE   0 0 3,010
APPLE INC COM 037833100 9,579 54,861 SH   SOLE   0 0 54,861
BANKWELL FINL GROUP INC COM 06654A103 271 8,000 SH   SOLE   0 0 8,000
BAR HBR BANKSHARES COM 066849100 600 20,959 SH   SOLE   0 0 20,959
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 317 898 SH   SOLE   0 0 898
BK OF AMERICA CORP COM 060505104 569 13,815 SH   SOLE   0 0 13,815
BLACKROCK INC COM 09247X101 783 1,025 SH   SOLE   0 0 1,025
BLACKSTONE INC COM 09260D107 286 2,250 SH   SOLE   0 0 2,250
BOSTON PROPERTIES INC COM 101121101 740 5,749 SH   SOLE   0 0 5,749
BRISTOL-MYERS SQUIBB CO COM 110122108 514 7,039 SH   SOLE   0 0 7,039
BRUNSWICK CORP COM 117043109 627 7,752 SH   SOLE   0 0 7,752
CAMBRIDGE BANCORP COM 132152109 956 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108 1,113 23,659 SH   SOLE   0 0 23,659
COMMUNITY BK SYS INC COM 203607106 364 5,189 SH   SOLE   0 0 5,189
COSTCO WHSL CORP NEW COM 22160K105 2,036 3,535 SH   SOLE   0 0 3,535
CVS HEALTH CORP COM 126650100 524 5,176 SH   SOLE   0 0 5,176
DELTA AIR LINES INC DEL COM NEW 247361702 623 15,738 SH   SOLE   0 0 15,738
DISNEY WALT CO COM 254687106 2,834 20,664 SH   SOLE   0 0 20,664
DNP SELECT INCOME FD INC COM 23325P104 919 77,774 SH   SOLE   0 0 77,774
DUKE ENERGY CORP NEW COM NEW 26441C204 458 4,098 SH   SOLE   0 0 4,098
ENTERPRISE BANCORP INC MASS COM 293668109 1,258 31,353 SH   SOLE   0 0 31,353
ETF SER SOLUTIONS US GLB JETS 26922A842 263 12,098 SH   SOLE   0 0 12,098
FERRARI N V COM N3167Y103 226 1,037 SH   SOLE   0 0 1,037
FORD MTR CO DEL COM 345370860 950 56,166 SH   SOLE   0 0 56,166
GENERAL MTRS CO COM 37045V100 733 16,759 SH   SOLE   0 0 16,759
HANOVER INS GROUP INC COM 410867105 254 1,700 SH   SOLE   0 0 1,700
HELIX ENERGY SOLUTIONS GRP I COM 42330P107 98 20,500 SH   SOLE   0 0 20,500
HOME DEPOT INC COM 437076102 3,535 11,810 SH   SOLE   0 0 11,810
HONEYWELL INTL INC COM 438516106 1,017 5,229 SH   SOLE   0 0 5,229
ILLINOIS TOOL WKS INC COM 452308109 367 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108 709 8,679 SH   SOLE   0 0 8,679
INVESCO QQQ TR UNIT SER 1 46090E103 2,216 6,113 SH   SOLE   0 0 6,113
ISHARES TR SELECT DIVID ETF 464287168 440 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200 2,265 4,992 SH   SOLE   0 0 4,992
ISHARES TR CORE US AGGBD ET 464287226 229 2,140 SH   SOLE   0 0 2,140
ISHARES TR S&P 500 GRWT ETF 464287309 11,944 156,379 SH   SOLE   0 0 156,379
ISHARES TR S&P 500 VAL ETF 464287408 999 6,418 SH   SOLE   0 0 6,418
ISHARES TR RUS MDCP VAL ETF 464287473 510 4,263 SH   SOLE   0 0 4,263
ISHARES TR RUS MD CP GR ETF 464287481 1,889 18,795 SH   SOLE   0 0 18,795
ISHARES TR RUS MID CAP ETF 464287499 702 9,001 SH   SOLE   0 0 9,001
ISHARES TR CORE S&P MCP ETF 464287507 723 2,694 SH   SOLE   0 0 2,694
ISHARES TR S&P MC 400GR ETF 464287606 329 4,260 SH   SOLE   0 0 4,260
ISHARES TR RUS 2000 GRW ETF 464287648 403 1,575 SH   SOLE   0 0 1,575
ISHARES TR CORE S&P US VLU 464287663 5,753 75,830 SH   SOLE   0 0 75,830
ISHARES TR U.S. UTILITS ETF 464287697 334 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804 249 2,305 SH   SOLE   0 0 2,305
ISHARES TR S&P SML 600 GWT 464287887 1,740 13,910 SH   SOLE   0 0 13,910
ISHARES TR SHRT NAT MUN ETF 464288158 202 1,929 SH   SOLE   0 0 1,929
ISHARES TR NEW YORK MUN ETF 464288323 316 5,785 SH   SOLE   0 0 5,785
ISHARES TR CALIF MUN BD ETF 464288356 758 13,026 SH   SOLE   0 0 13,026
ISHARES TR NATIONAL MUN ETF 464288414 1,585 14,457 SH   SOLE   0 0 14,457
ISHARES TR ISHS 5-10YR INVT 464288638 959 17,482 SH   SOLE   0 0 17,482
ISHARES TR ISHS 1-5YR INVS 464288646 8,069 156,005 SH   SOLE   0 0 156,005
ISHARES TR US HOME CONS ETF 464288752 827 13,951 SH   SOLE   0 0 13,951
ISHARES TR US HLTHCR PR ETF 464288828 958 3,386 SH   SOLE   0 0 3,386
ISHARES TR MSCI USA MIN VOL 46429B697 323 4,165 SH   SOLE   0 0 4,165
ISHARES TR CORE MSCI TOTAL 46432F834 5,382 80,841 SH   SOLE   0 0 80,841
ISHARES TR CORE MSCI EAFE 46432F842 281 4,044 SH   SOLE   0 0 4,044
ISHARES TR CORE 1 5 YR USD 46432F859 8,365 172,614 SH   SOLE   0 0 172,614
ISHARES TR IBONDS DEC23 ETF 46434VAX8 249 9,860 SH   SOLE   0 0 9,860
ISHARES TR 0-5YR INVT GR CP 46434V100 684 13,866 SH   SOLE   0 0 13,866
ISHARES TR 0-5YR HI YL CP 46434V407 421 9,586 SH   SOLE   0 0 9,586
ISHARES TR IBONDS DEC2023 46435G318 279 10,935 SH   SOLE   0 0 10,935
ISHARES TR SELF DRIVNG EV 46435U366 781 16,816 SH   SOLE   0 0 16,816
ISHARES TR IBONDS DEC 46435U697 251 9,665 SH   SOLE   0 0 9,665
JOHNSON & JOHNSON COM 478160104 2,758 15,560 SH   SOLE   0 0 15,560
JPMORGAN CHASE & CO COM 46625H100 1,482 10,871 SH   SOLE   0 0 10,871
LILLY ELI & CO COM 532457108 1,697 5,925 SH   SOLE   0 0 5,925
LOCKHEED MARTIN CORP COM 539830109 245 555 SH   SOLE   0 0 555
LULULEMON ATHLETICA INC COM 550021109 1,312 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202 567 3,225 SH   SOLE   0 0 3,225
MATCH GROUP INC NEW COM 57667L107 475 4,371 SH   SOLE   0 0 4,371
MCDONALDS CORP COM 580135101 1,654 6,690 SH   SOLE   0 0 6,690
MERCK & CO INC COM 58933Y105 455 5,543 SH   SOLE   0 0 5,543
META PLATFORMS INC CL A 30303M102 1,193 5,366 SH   SOLE   0 0 5,366
MICROCHIP TECHNOLOGY INC. COM 595017104 921 12,259 SH   SOLE   0 0 12,259
MICROSOFT CORP COM 594918104 5,022 16,288 SH   SOLE   0 0 16,288
MODERNA INC COM 60770K107 788 4,576 SH   SOLE   0 0 4,576
NEXTERA ENERGY INC COM 65339F101 986 11,645 SH   SOLE   0 0 11,645
NIKE INC CL B 654106103 1,505 11,185 SH   SOLE   0 0 11,185
NVIDIA CORPORATION COM 67066G104 437 1,601 SH   SOLE   0 0 1,601
OCEANFIRST FINL CORP COM 675234108 909 45,214 SH   SOLE   0 0 45,214
PAYPAL HLDGS INC COM 70450Y103 545 4,715 SH   SOLE   0 0 4,715
PEPSICO INC COM 713448108 1,151 6,878 SH   SOLE   0 0 6,878
PFIZER INC COM 717081103 321 6,198 SH   SOLE   0 0 6,198
PIMCO HIGH INCOME FD COM SHS 722014107 186 32,100 SH   SOLE   0 0 32,100
PROCTER AND GAMBLE CO COM 742718109 520 3,401 SH   SOLE   0 0 3,401
SAFETY INS GROUP INC COM 78648T100 2,176 23,957 SH   SOLE   0 0 23,957
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 246 1,550 SH   SOLE   0 0 1,550
SIMON PPTY GROUP INC NEW COM 828806109 1,010 7,677 SH   SOLE   0 0 7,677
SPDR S&P 500 ETF TR TR UNIT 78462F103 544 1,204 SH   SOLE   0 0 1,204
SPDR SER TR S&P HOMEBUILD 78464A888 374 5,924 SH   SOLE   0 0 5,924
STARBUCKS CORP COM 855244109 1,957 21,513 SH   SOLE   0 0 21,513
SYSCO CORP COM 871829107 460 5,633 SH   SOLE   0 0 5,633
TRACTOR SUPPLY CO COM 892356106 280 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108 866 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106 833 3,883 SH   SOLE   0 0 3,883
UNUM GROUP COM 91529Y106 209 6,626 SH   SOLE   0 0 6,626
VAIL RESORTS INC COM 91879Q109 1,214 4,666 SH   SOLE   0 0 4,666
VANGUARD BD INDEX FDS INTERMED TERM 921937819 214 2,610 SH   SOLE   0 0 2,610
VANGUARD INDEX FDS SML CP GRW ETF 922908595 538 2,169 SH   SOLE   0 0 2,169
VANGUARD INDEX FDS GROWTH ETF 922908736 853 2,965 SH   SOLE   0 0 2,965
VANGUARD INDEX FDS VALUE ETF 922908744 341 2,310 SH   SOLE   0 0 2,310
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,418 43,764 SH   SOLE   0 0 43,764
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 552 6,412 SH   SOLE   0 0 6,412
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 239 1,476 SH   SOLE   0 0 1,476
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 393 4,207 SH   SOLE   0 0 4,207
VANGUARD WORLD FDS UTILITIES ETF 92204A876 852 5,268 SH   SOLE   0 0 5,268
VISA INC COM CL A 92826C839 1,294 5,836 SH   SOLE   0 0 5,836
WALMART INC COM 931142103 209 1,401 SH   SOLE   0 0 1,401
WEC ENERGY GROUP INC COM 92939U106 430 4,305 SH   SOLE   0 0 4,305
YUM BRANDS INC COM 988498101 353 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103 1,335 7,081 SH   SOLE   0 0 7,081