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
EATON CORP PLC SHS G29183103 231 1,735 SH   SOLE   0 0 1,735
ABBVIE INC COM 00287Y109 735 5,474 SH   SOLE   0 0 5,474
ADOBE SYSTEMS INCORPORATED COM 00724F101 255 928 SH   SOLE   0 0 928
ALPHABET INC CAP STK CL C 02079K107 1,001 10,409 SH   SOLE   0 0 10,409
ALPHABET INC CAP STK CL A 02079K305 275 2,872 SH   SOLE   0 0 2,872
AMAZON COM INC COM 023135106 726 6,422 SH   SOLE   0 0 6,422
AMERICAN EXPRESS CO COM 025816109 1,234 9,150 SH   SOLE   0 0 9,150
AMES NATL CORP COM 031001100 868 39,121 SH   SOLE   0 0 39,121
AMGEN INC COM 031162100 710 3,151 SH   SOLE   0 0 3,151
APPLE INC COM 037833100 7,369 53,321 SH   SOLE   0 0 53,321
BK OF AMERICA CORP COM 060505104 409 13,534 SH   SOLE   0 0 13,534
BANKWELL FINL GROUP INC COM 06654A103 233 8,000 SH   SOLE   0 0 8,000
BAR HBR BANKSHARES COM 066849100 549 20,699 SH   SOLE   0 0 20,699
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 397 1,488 SH   SOLE   0 0 1,488
BLACKROCK INC COM 09247X101 564 1,025 SH   SOLE   0 0 1,025
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100 194 11,810 SH   SOLE   0 0 11,810
BRISTOL-MYERS SQUIBB CO COM 110122108 522 7,339 SH   SOLE   0 0 7,339
BRUNSWICK CORP COM 117043109 521 7,954 SH   SOLE   0 0 7,954
CVS HEALTH CORP COM 126650100 500 5,242 SH   SOLE   0 0 5,242
CAMBRIDGE BANCORP COM 132152109 897 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108 1,025 24,052 SH   SOLE   0 0 24,052
CITIZENS FINL GROUP INC COM 174610105 532 15,480 SH   SOLE   0 0 15,480
COMMUNITY BK SYS INC COM 203607106 312 5,189 SH   SOLE   0 0 5,189
COSTCO WHSL CORP NEW COM 22160K105 1,669 3,535 SH   SOLE   0 0 3,535
DNP SELECT INCOME FD INC COM 23325P104 1,147 110,703 SH   SOLE   0 0 110,703
DELTA AIR LINES INC DEL COM NEW 247361702 442 15,738 SH   SOLE   0 0 15,738
DISNEY WALT CO COM 254687106 1,968 20,865 SH   SOLE   0 0 20,865
DOLLAR GEN CORP NEW COM 256677105 415 1,732 SH   SOLE   0 0 1,732
DUKE ENERGY CORP NEW COM NEW 26441C204 365 3,920 SH   SOLE   0 0 3,920
ENTERPRISE BANCORP INC MASS COM 293668109 956 31,954 SH   SOLE   0 0 31,954
META PLATFORMS INC CL A 30303M102 667 4,915 SH   SOLE   0 0 4,915
FORD MTR CO DEL COM 345370860 324 28,957 SH   SOLE   0 0 28,957
GENERAL MTRS CO COM 37045V100 273 8,500 SH   SOLE   0 0 8,500
GUGGENHEIM TAXABLE MUNICP BO COM 401664107 175 11,325 SH   SOLE   0 0 11,325
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105 348 25,695 SH   SOLE   0 0 25,695
HANOVER INS GROUP INC COM 410867105 237 1,850 SH   SOLE   0 0 1,850
HELIX ENERGY SOLUTIONS GRP I COM 42330P107 79 20,500 SH   SOLE   0 0 20,500
HOME DEPOT INC COM 437076102 3,242 11,748 SH   SOLE   0 0 11,748
HONEYWELL INTL INC COM 438516106 873 5,229 SH   SOLE   0 0 5,229
ILLINOIS TOOL WKS INC COM 452308109 316 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108 610 8,183 SH   SOLE   0 0 8,183
INVESCO QQQ TR UNIT SER 1 46090E103 1,722 6,443 SH   SOLE   0 0 6,443
ISHARES TR SELECT DIVID ETF 464287168 368 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200 1,536 4,283 SH   SOLE   0 0 4,283
ISHARES TR S&P 500 GRWT ETF 464287309 8,498 146,903 SH   SOLE   0 0 146,903
ISHARES TR S&P 500 VAL ETF 464287408 762 5,928 SH   SOLE   0 0 5,928
ISHARES TR RUS MDCP VAL ETF 464287473 361 3,759 SH   SOLE   0 0 3,759
ISHARES TR RUS MD CP GR ETF 464287481 1,164 14,839 SH   SOLE   0 0 14,839
ISHARES TR RUS MID CAP ETF 464287499 970 15,600 SH   SOLE   0 0 15,600
ISHARES TR CORE S&P MCP ETF 464287507 575 2,621 SH   SOLE   0 0 2,621
ISHARES TR S&P MC 400GR ETF 464287606 233 3,696 SH   SOLE   0 0 3,696
ISHARES TR CORE S&P US VLU 464287663 6,427 102,658 SH   SOLE   0 0 102,658
ISHARES TR U.S. UTILITS ETF 464287697 298 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804 207 2,372 SH   SOLE   0 0 2,372
ISHARES TR S&P SML 600 GWT 464287887 2,247 22,096 SH   SOLE   0 0 22,096
ISHARES TR NEW YORK MUN ETF 464288323 298 5,900 SH   SOLE   0 0 5,900
ISHARES TR CALIF MUN BD ETF 464288356 724 13,351 SH   SOLE   0 0 13,351
ISHARES TR NATIONAL MUN ETF 464288414 1,483 14,457 SH   SOLE   0 0 14,457
ISHARES TR ISHS 5-10YR INVT 464288638 537 11,114 SH   SOLE   0 0 11,114
ISHARES TR ISHS 1-5YR INVS 464288646 8,212 166,631 SH   SOLE   0 0 166,631
ISHARES TR PFD AND INCM SEC 464288687 205 6,485 SH   SOLE   0 0 6,485
ISHARES TR US HLTHCR PR ETF 464288828 848 3,321 SH   SOLE   0 0 3,321
ISHARES TR MSCI USA MIN VOL 46429B697 209 3,165 SH   SOLE   0 0 3,165
ISHARES TR CORE MSCI TOTAL 46432F834 4,541 89,188 SH   SOLE   0 0 89,188
ISHARES TR CORE MSCI EAFE 46432F842 213 4,049 SH   SOLE   0 0 4,049
ISHARES TR CORE 1 5 YR USD 46432F859 8,445 183,184 SH   SOLE   0 0 183,184
ISHARES TR 0-5YR INVT GR CP 46434V100 629 13,266 SH   SOLE   0 0 13,266
ISHARES TR IBONDS DEC2023 46435G318 276 10,935 SH   SOLE   0 0 10,935
ISHARES TR IBONDS DEC 46435U697 247 9,665 SH   SOLE   0 0 9,665
JPMORGAN CHASE & CO COM 46625H100 1,320 12,628 SH   SOLE   0 0 12,628
JOHNSON & JOHNSON COM 478160104 2,521 15,434 SH   SOLE   0 0 15,434
LILLY ELI & CO COM 532457108 1,953 6,040 SH   SOLE   0 0 6,040
LOCKHEED MARTIN CORP COM 539830109 326 843 SH   SOLE   0 0 843
LULULEMON ATHLETICA INC COM 550021109 1,004 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202 452 3,225 SH   SOLE   0 0 3,225
MCDONALDS CORP COM 580135101 1,667 7,226 SH   SOLE   0 0 7,226
MERCK & CO INC COM 58933Y105 1,016 11,802 SH   SOLE   0 0 11,802
MICROSOFT CORP COM 594918104 4,422 18,987 SH   SOLE   0 0 18,987
MICROCHIP TECHNOLOGY INC. COM 595017104 751 12,299 SH   SOLE   0 0 12,299
MODERNA INC COM 60770K107 385 3,252 SH   SOLE   0 0 3,252
NEXTERA ENERGY INC COM 65339F101 913 11,645 SH   SOLE   0 0 11,645
NIKE INC CL B 654106103 946 11,385 SH   SOLE   0 0 11,385
NVIDIA CORPORATION COM 67066G104 235 1,938 SH   SOLE   0 0 1,938
OCEANFIRST FINL CORP COM 675234108 856 45,930 SH   SOLE   0 0 45,930
PAYPAL HLDGS INC COM 70450Y103 435 5,049 SH   SOLE   0 0 5,049
PEPSICO INC COM 713448108 1,184 7,254 SH   SOLE   0 0 7,254
PFIZER INC COM 717081103 324 7,411 SH   SOLE   0 0 7,411
PIMCO HIGH INCOME FD COM SHS 722014107 149 32,100 SH   SOLE   0 0 32,100
PROCTER AND GAMBLE CO COM 742718109 464 3,672 SH   SOLE   0 0 3,672
SPDR S&P 500 ETF TR TR UNIT 78462F103 694 1,943 SH   SOLE   0 0 1,943
SPDR SER TR S&P HOMEBUILD 78464A888 325 5,941 SH   SOLE   0 0 5,941
SAFETY INS GROUP INC COM 78648T100 2,471 30,299 SH   SOLE   0 0 30,299
STARBUCKS CORP COM 855244109 1,811 21,494 SH   SOLE   0 0 21,494
SYSCO CORP COM 871829107 398 5,633 SH   SOLE   0 0 5,633
TJX COS INC NEW COM 872540109 247 3,969 SH   SOLE   0 0 3,969
TRACTOR SUPPLY CO COM 892356106 223 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108 618 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106 234 1,446 SH   SOLE   0 0 1,446
UNITEDHEALTH GROUP INC COM 91324P102 206 407 SH   SOLE   0 0 407
VAIL RESORTS INC COM 91879Q109 1,028 4,768 SH   SOLE   0 0 4,768
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 338 4,537 SH   SOLE   0 0 4,537
VANGUARD WORLD FDS UTILITIES ETF 92204A876 822 5,779 SH   SOLE   0 0 5,779
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,367 45,326 SH   SOLE   0 0 45,326
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 333 4,401 SH   SOLE   0 0 4,401
VANGUARD INDEX FDS SML CP GRW ETF 922908595 526 2,694 SH   SOLE   0 0 2,694
VANGUARD INDEX FDS GROWTH ETF 922908736 617 2,886 SH   SOLE   0 0 2,886
VANGUARD INDEX FDS VALUE ETF 922908744 285 2,310 SH   SOLE   0 0 2,310
VISA INC COM CL A 92826C839 1,113 6,267 SH   SOLE   0 0 6,267
WEC ENERGY GROUP INC COM 92939U106 385 4,305 SH   SOLE   0 0 4,305
WALMART INC COM 931142103 226 1,739 SH   SOLE   0 0 1,739
YUM BRANDS INC COM 988498101 317 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103 1,050 7,082 SH   SOLE   0 0 7,082