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
EATON CORP PLC SHS G29183103   365,203 2,131 SH   SOLE   0 0 2,131
FERRARI N V COM N3167Y103   282,465 1,043 SH   SOLE   0 0 1,043
ABBOTT LABS COM 002824100   202,117 1,996 SH   SOLE   0 0 1,996
ABBVIE INC COM 00287Y109   871,754 5,470 SH   SOLE   0 0 5,470
ADOBE SYSTEMS INCORPORATED COM 00724F101   269,759 700 SH   SOLE   0 0 700
ALPHABET INC CAP STK CL C 02079K107   969,896 9,326 SH   SOLE   0 0 9,326
ALPHABET INC CAP STK CL A 02079K305   296,668 2,860 SH   SOLE   0 0 2,860
AMAZON COM INC COM 023135106   702,269 6,799 SH   SOLE   0 0 6,799
AMERICAN EXPRESS CO COM 025816109   1,574,195 9,543 SH   SOLE   0 0 9,543
AMES NATL CORP COM 031001100   757,852 36,435 SH   SOLE   0 0 36,435
AMGEN INC COM 031162100   787,138 3,256 SH   SOLE   0 0 3,256
APPLE INC COM 037833100   9,096,339 55,163 SH   SOLE   0 0 55,163
BANK AMERICA CORP COM 060505104   468,580 16,384 SH   SOLE   0 0 16,384
BAR HBR BANKSHARES COM 066849100   547,500 20,699 SH   SOLE   0 0 20,699
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   555,168 1,798 SH   SOLE   0 0 1,798
BLACKROCK INC COM 09247X101   685,848 1,025 SH   SOLE   0 0 1,025
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   211,635 11,810 SH   SOLE   0 0 11,810
BRISTOL-MYERS SQUIBB CO COM 110122108   517,662 7,469 SH   SOLE   0 0 7,469
BRUNSWICK CORP COM 117043109   558,062 6,806 SH   SOLE   0 0 6,806
CVS HEALTH CORP COM 126650100   324,883 4,372 SH   SOLE   0 0 4,372
CAMBRIDGE BANCORP COM 132152109   729,242 11,252 SH   SOLE   0 0 11,252
CAMDEN NATL CORP COM 133034108   874,215 24,156 SH   SOLE   0 0 24,156
CITIZENS FINL GROUP INC COM 174610105   677,604 22,312 SH   SOLE   0 0 22,312
COMMUNITY BK SYS INC COM 203607106   272,369 5,189 SH   SOLE   0 0 5,189
COSTCO WHSL CORP NEW COM 22160K105   1,766,373 3,555 SH   SOLE   0 0 3,555
DNP SELECT INCOME FD INC COM 23325P104   1,151,893 104,528 SH   SOLE   0 0 104,528
DELTA AIR LINES INC DEL COM NEW 247361702   323,455 9,263 SH   SOLE   0 0 9,263
DISNEY WALT CO COM 254687106   2,089,718 20,870 SH   SOLE   0 0 20,870
DOLLAR GEN CORP NEW COM 256677105   396,507 1,884 SH   SOLE   0 0 1,884
DUKE ENERGY CORP NEW COM NEW 26441C204   291,436 3,021 SH   SOLE   0 0 3,021
ENTERPRISE BANCORP INC MASS COM 293668109   950,372 30,209 SH   SOLE   0 0 30,209
META PLATFORMS INC CL A 30303M102   525,399 2,479 SH   SOLE   0 0 2,479
FORD MTR CO DEL COM 345370860   407,799 32,365 SH   SOLE   0 0 32,365
GENERAL MTRS CO COM 37045V100   377,526 10,292 SH   SOLE   0 0 10,292
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   192,978 11,325 SH   SOLE   0 0 11,325
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   318,361 25,695 SH   SOLE   0 0 25,695
HANOVER INS GROUP INC COM 410867105   237,725 1,850 SH   SOLE   0 0 1,850
HOME DEPOT INC COM 437076102   3,445,220 11,674 SH   SOLE   0 0 11,674
HONEYWELL INTL INC COM 438516106   999,323 5,229 SH   SOLE   0 0 5,229
ILLINOIS TOOL WKS INC COM 452308109   426,496 1,752 SH   SOLE   0 0 1,752
INDEPENDENT BK CORP MASS COM 453836108   537,218 8,187 SH   SOLE   0 0 8,187
INVESCO QQQ TR UNIT SER 1 46090E103   2,040,318 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150   285,595 3,154 SH   SOLE   0 0 3,154
ISHARES TR SELECT DIVID ETF 464287168   402,162 3,432 SH   SOLE   0 0 3,432
ISHARES TR CORE S&P500 ETF 464287200   1,717,599 4,178 SH   SOLE   0 0 4,178
ISHARES TR S&P 500 GRWT ETF 464287309   10,519,680 164,653 SH   SOLE   0 0 164,653
ISHARES TR S&P 500 VAL ETF 464287408   855,797 5,639 SH   SOLE   0 0 5,639
ISHARES TR RUS MD CP GR ETF 464287481   1,212,604 13,318 SH   SOLE   0 0 13,318
ISHARES TR RUS MID CAP ETF 464287499   1,657,091 23,700 SH   SOLE   0 0 23,700
ISHARES TR CORE S&P MCP ETF 464287507   567,633 2,269 SH   SOLE   0 0 2,269
ISHARES TR S&P MC 400GR ETF 464287606   264,301 3,696 SH   SOLE   0 0 3,696
ISHARES TR CORE S&P US VLU 464287663   9,449,135 128,072 SH   SOLE   0 0 128,072
ISHARES TR U.S. UTILITS ETF 464287697   307,216 3,670 SH   SOLE   0 0 3,670
ISHARES TR CORE S&P SCP ETF 464287804   309,707 3,203 SH   SOLE   0 0 3,203
ISHARES TR S&P SML 600 GWT 464287887   3,010,278 27,381 SH   SOLE   0 0 27,381
ISHARES TR CALIF MUN BD ETF 464288356   730,440 12,721 SH   SOLE   0 0 12,721
ISHARES TR NATIONAL MUN ETF 464288414   718,863 6,672 SH   SOLE   0 0 6,672
ISHARES TR ISHS 1-5YR INVS 464288646   6,656,497 131,708 SH   SOLE   0 0 131,708
ISHARES TR PFD AND INCM SEC 464288687   202,462 6,485 SH   SOLE   0 0 6,485
ISHARES TR US HLTHCR PR ETF 464288828   817,523 3,307 SH   SOLE   0 0 3,307
ISHARES TR MSCI USA MIN VOL 46429B697   230,222 3,165 SH   SOLE   0 0 3,165
ISHARES TR CORE MSCI TOTAL 46432F834   4,456,707 71,940 SH   SOLE   0 0 71,940
ISHARES TR CORE MSCI EAFE 46432F842   252,827 3,782 SH   SOLE   0 0 3,782
ISHARES TR CORE 1 5 YR USD 46432F859   6,608,147 140,137 SH   SOLE   0 0 140,137
ISHARES TR 0-5YR INVT GR CP 46434V100   505,549 10,428 SH   SOLE   0 0 10,428
ISHARES TR CORE DIV GRWTH 46434V621   371,733 7,436 SH   SOLE   0 0 7,436
JPMORGAN CHASE & CO COM 46625H100   1,872,149 14,367 SH   SOLE   0 0 14,367
JOHNSON & JOHNSON COM 478160104   2,329,802 15,031 SH   SOLE   0 0 15,031
LILLY ELI & CO COM 532457108   2,023,774 5,893 SH   SOLE   0 0 5,893
LOCKHEED MARTIN CORP COM 539830109   238,256 504 SH   SOLE   0 0 504
LULULEMON ATHLETICA INC COM 550021109   1,307,806 3,591 SH   SOLE   0 0 3,591
MARRIOTT INTL INC NEW CL A 571903202   535,479 3,225 SH   SOLE   0 0 3,225
MCDONALDS CORP COM 580135101   2,313,071 8,272 SH   SOLE   0 0 8,272
MERCK & CO INC COM 58933Y105   1,289,892 12,124 SH   SOLE   0 0 12,124
MICROSOFT CORP COM 594918104   5,718,483 19,835 SH   SOLE   0 0 19,835
MICROCHIP TECHNOLOGY INC. COM 595017104   956,609 11,418 SH   SOLE   0 0 11,418
MODERNA INC COM 60770K107   427,874 2,786 SH   SOLE   0 0 2,786
NEXTERA ENERGY INC COM 65339F101   831,693 10,790 SH   SOLE   0 0 10,790
NIKE INC CL B 654106103   1,422,011 11,595 SH   SOLE   0 0 11,595
NVIDIA CORPORATION COM 67066G104   859,698 3,095 SH   SOLE   0 0 3,095
OCEANFIRST FINL CORP COM 675234108   775,164 41,946 SH   SOLE   0 0 41,946
PAYPAL HLDGS INC COM 70450Y103   333,756 4,395 SH   SOLE   0 0 4,395
PEPSICO INC COM 713448108   1,290,319 7,078 SH   SOLE   0 0 7,078
PFIZER INC COM 717081103   275,114 6,743 SH   SOLE   0 0 6,743
PIMCO HIGH INCOME FD COM SHS 722014107   153,117 32,100 SH   SOLE   0 0 32,100
PROCTER AND GAMBLE CO COM 742718109   511,494 3,440 SH   SOLE   0 0 3,440
SPDR S&P 500 ETF TR TR UNIT 78462F103   795,428 1,943 SH   SOLE   0 0 1,943
SPDR SER TR S&P HOMEBUILD 78464A888   403,893 5,961 SH   SOLE   0 0 5,961
SAFETY INS GROUP INC COM 78648T100   2,387,322 32,036 SH   SOLE   0 0 32,036
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   234,066 1,550 SH   SOLE   0 0 1,550
STARBUCKS CORP COM 855244109   2,241,283 21,524 SH   SOLE   0 0 21,524
SYSCO CORP COM 871829107   435,019 5,633 SH   SOLE   0 0 5,633
TJX COS INC NEW COM 872540109   311,011 3,969 SH   SOLE   0 0 3,969
TRACTOR SUPPLY CO COM 892356106   282,048 1,200 SH   SOLE   0 0 1,200
UNION PAC CORP COM 907818108   638,042 3,170 SH   SOLE   0 0 3,170
UNITED PARCEL SERVICE INC CL B 911312106   271,148 1,398 SH   SOLE   0 0 1,398
UNUM GROUP COM 91529Y106   236,275 5,973 SH   SOLE   0 0 5,973
VAIL RESORTS INC COM 91879Q109   1,114,383 4,769 SH   SOLE   0 0 4,769
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   243,490 1,581 SH   SOLE   0 0 1,581
VANGUARD STAR FDS VG TL INTL STK F 921909768   660,643 11,966 SH   SOLE   58 0 11,908
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   499,208 6,409 SH   SOLE   0 0 6,409
VANGUARD WORLD FDS UTILITIES ETF 92204A876   986,213 6,685 SH   SOLE   0 0 6,685
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,865,532 37,591 SH   SOLE   0 0 37,591
VANGUARD INDEX FDS SML CP GRW ETF 922908595   583,055 2,694 SH   SOLE   0 0 2,694
VANGUARD INDEX FDS GROWTH ETF 922908736   719,830 2,886 SH   SOLE   0 0 2,886
VANGUARD INDEX FDS VALUE ETF 922908744   319,020 2,310 SH   SOLE   0 0 2,310
VANGUARD INDEX FDS SMALL CP ETF 922908751   255,337 1,347 SH   SOLE   0 0 1,347
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,746,948 13,459 SH   SOLE   67 0 13,392
VISA INC COM CL A 92826C839   1,394,064 6,183 SH   SOLE   0 0 6,183
WEC ENERGY GROUP INC COM 92939U106   408,071 4,305 SH   SOLE   0 0 4,305
WALMART INC COM 931142103   270,629 1,835 SH   SOLE   0 0 1,835
YUM BRANDS INC COM 988498101   393,448 2,979 SH   SOLE   0 0 2,979
ZOETIS INC CL A 98978V103   1,162,158 6,982 SH   SOLE   0 0 6,982