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   828,556 2,650 SH   SOLE   1,405 0 1,245
FERGUSON PLC NEW SHS G3421J106   1,573,214 7,202 SH   SOLE   4,234 0 2,968
ON HLDG AG NAMEN AKT A H5919C104   314,882 8,900 SH   SOLE   8,900 0 0
FERRARI N V COM N3167Y103   456,725 1,048 SH   SOLE   0 0 1,048
ABBOTT LABS COM 002824100   204,136 1,796 SH   SOLE   1,796 0 0
ABBVIE INC COM 00287Y109   959,667 5,270 SH   SOLE   5,270 0 0
ADOBE INC COM 00724F101   353,220 700 SH   SOLE   700 0 0
ALPHABET INC CAP STK CL C 02079K107   1,811,924 11,900 SH   SOLE   7,550 0 4,350
ALPHABET INC CAP STK CL A 02079K305   431,660 2,860 SH   SOLE   2,860 0 0
AMAZON COM INC COM 023135106   1,244,081 6,897 SH   SOLE   5,252 0 1,645
AMERICAN EXPRESS CO COM 025816109   2,139,863 9,398 SH   SOLE   8,305 0 1,093
AMES NATL CORP COM 031001100   524,680 26,000 SH   SOLE   24,200 0 1,800
AMGEN INC COM 031162100   925,746 3,256 SH   SOLE   3,256 0 0
APOLLO GLOBAL MGMT INC COM 03769M106   224,900 2,000 SH   SOLE   2,000 0 0
APPLE INC COM 037833100   8,702,917 50,752 SH   SOLE   41,171 0 9,581
BANK AMERICA CORP COM 060505104   718,059 18,936 SH   SOLE   11,207 0 7,729
BANKWELL FINL GROUP INC COM 06654A103   207,520 8,000 SH   SOLE   8,000 0 0
BAR HBR BANKSHARES COM 066849100   558,952 21,108 SH   SOLE   20,699 0 409
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   754,413 1,794 SH   SOLE   1,574 0 220
BLACKROCK INC COM 09247X101   854,543 1,025 SH   SOLE   1,025 0 0
BLACKROCK TAX MUNICPAL BD TR SHS 09248X100   192,975 11,810 SH   SOLE   11,810 0 0
BLACKSTONE INC COM 09260D107   295,583 2,250 SH   SOLE   2,250 0 0
BRUNSWICK CORP COM 117043109   531,786 5,510 SH   SOLE   5,160 0 350
CAMDEN NATL CORP COM 133034108   935,845 27,919 SH   SOLE   22,175 0 5,744
CHIPOTLE MEXICAN GRILL INC COM 169656105   1,136,547 391 SH   SOLE   243 0 148
CITIZENS FINL GROUP INC COM 174610105   625,204 17,228 SH   SOLE   13,463 0 3,765
COMMUNITY BK SYS INC COM 203607106   392,403 8,170 SH   SOLE   5,189 0 2,981
COSTCO WHSL CORP NEW COM 22160K105   2,604,500 3,555 SH   SOLE   3,555 0 0
DNP SELECT INCOME FD INC COM 23325P104   993,433 109,530 SH   SOLE   109,530 0 0
DELTA AIR LINES INC DEL COM NEW 247361702   441,502 9,223 SH   SOLE   7,310 0 1,913
DISNEY WALT CO COM 254687106   1,725,034 14,098 SH   SOLE   13,533 0 565
DUKE ENERGY CORP NEW COM NEW 26441C204   263,148 2,721 SH   SOLE   2,721 0 0
ENTERPRISE BANCORP INC MASS COM 293668109   764,513 29,438 SH   SOLE   19,743 0 9,695
META PLATFORMS INC CL A 30303M102   1,274,222 2,624 SH   SOLE   1,919 0 705
GENERAL MTRS CO COM 37045V100   336,999 7,431 SH   SOLE   4,872 0 2,559
GUGGENHEIM TAXABLE MUNICP BO COM 401664107   184,031 11,325 SH   SOLE   11,325 0 0
HCA HEALTHCARE INC COM 40412C101   300,511 901 SH   SOLE   205 0 696
HANCOCK JOHN PREM DIVID FD COM SH BEN INT 41013T105   299,347 25,695 SH   SOLE   25,695 0 0
HOME DEPOT INC COM 437076102   4,277,947 11,152 SH   SOLE   9,845 0 1,307
HONEYWELL INTL INC COM 438516106   1,073,206 5,229 SH   SOLE   4,396 0 833
ILLINOIS TOOL WKS INC COM 452308109   470,083 1,752 SH   SOLE   1,752 0 0
INDEPENDENT BK CORP MASS COM 453836108   413,558 7,950 SH   SOLE   7,675 0 275
INTERNATIONAL BUSINESS MACHS COM 459200101   1,604,470 8,402 SH   SOLE   4,302 0 4,100
INVESCO QQQ TR UNIT SER 1 46090E103   2,655,114 5,980 SH   SOLE   5,520 0 460
ISHARES TR CORE S&P TTL STK 464287150   440,532 3,821 SH   SOLE   3,801 0 20
ISHARES TR SELECT DIVID ETF 464287168   422,754 3,432 SH   SOLE   3,432 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,367,949 2,602 SH   SOLE   2,361 0 241
ISHARES TR S&P 500 GRWT ETF 464287309   13,224,687 156,616 SH   SOLE   150,076 0 6,540
ISHARES TR S&P 500 VAL ETF 464287408   800,695 4,286 SH   SOLE   4,109 0 177
ISHARES TR RUS MD CP GR ETF 464287481   785,968 6,886 SH   SOLE   6,593 0 293
ISHARES TR RUS MID CAP ETF 464287499   3,406,562 40,511 SH   SOLE   37,989 0 2,522
ISHARES TR CORE S&P MCP ETF 464287507   666,828 10,978 SH   SOLE   10,428 0 550
ISHARES TR S&P MC 400GR ETF 464287606   337,260 3,696 SH   SOLE   3,696 0 0
ISHARES TR CORE S&P US VLU 464287663   12,361,838 136,686 SH   SOLE   126,796 0 9,890
ISHARES TR U.S. UTILITS ETF 464287697   315,851 3,737 SH   SOLE   2,140 0 1,597
ISHARES TR CORE S&P SCP ETF 464287804   3,601,451 32,586 SH   SOLE   30,086 0 2,500
ISHARES TR S&P SML 600 GWT 464287887   678,097 5,187 SH   SOLE   5,187 0 0
ISHARES TR NEW YORK MUN ETF 464288323   258,288 4,800 SH   SOLE   4,800 0 0
ISHARES TR CALIF MUN BD ETF 464288356   818,737 14,229 SH   SOLE   0 0 14,229
ISHARES TR NATIONAL MUN ETF 464288414   1,806,303 16,787 SH   SOLE   11,983 0 4,804
ISHARES TR ISHS 5-10YR INVT 464288638   15,326,275 297,021 SH   SOLE   257,150 0 39,871
ISHARES TR PFD AND INCM SEC 464288687   330,196 10,245 SH   SOLE   9,570 0 675
ISHARES TR US HLTHCR PR ETF 464288828   870,186 15,955 SH   SOLE   8,870 0 7,085
ISHARES TR MSCI USA MIN VOL 46429B697   247,898 2,966 SH   SOLE   1,805 0 1,161
ISHARES TR CORE MSCI TOTAL 46432F834   7,369,073 108,592 SH   SOLE   103,954 0 4,638
ISHARES TR CORE 1 5 YR USD 46432F859   2,664,942 56,175 SH   SOLE   52,065 0 4,110
ISHARES TR CORE DIV GRWTH 46434V621   329,258 5,671 SH   SOLE   3,406 0 2,265
JPMORGAN CHASE & CO COM 46625H100   2,820,486 14,081 SH   SOLE   12,393 0 1,688
JOHNSON & JOHNSON COM 478160104   1,900,892 12,017 SH   SOLE   11,430 0 587
ELI LILLY & CO COM 532457108   4,116,186 5,291 SH   SOLE   5,125 0 166
LOCKHEED MARTIN CORP COM 539830109   257,456 566 SH   SOLE   373 0 193
LULULEMON ATHLETICA INC COM 550021109   1,078,585 2,761 SH   SOLE   2,086 0 675
MARRIOTT INTL INC NEW CL A 571903202   813,700 3,225 SH   SOLE   3,225 0 0
MASTERCARD INCORPORATED CL A 57636Q104   222,967 463 SH   SOLE   243 0 220
MCDONALDS CORP COM 580135101   2,072,050 7,349 SH   SOLE   6,820 0 529
MERCK & CO INC COM 58933Y105   1,104,222 8,368 SH   SOLE   7,803 0 565
MICROSOFT CORP COM 594918104   7,964,825 18,931 SH   SOLE   16,392 0 2,540
MICROCHIP TECHNOLOGY INC. COM 595017104   1,037,954 11,570 SH   SOLE   8,490 0 3,080
MODERNA INC COM 60770K107   324,262 3,043 SH   SOLE   1,182 0 1,861
NEXTERA ENERGY INC COM 65339F101   658,273 10,300 SH   SOLE   9,460 0 840
NIKE INC CL B 654106103   948,258 10,090 SH   SOLE   9,740 0 350
NVIDIA CORPORATION COM 67066G104   2,150,473 2,380 SH   SOLE   2,380 0 0
ORACLE CORP COM 68389X105   234,765 1,869 SH   SOLE   1,789 0 80
PELOTON INTERACTIVE INC CL A COM 70614W100   42,850 10,000 SH   SOLE   10,000 0 0
PEPSICO INC COM 713448108   1,866,482 10,665 SH   SOLE   8,388 0 2,277
PIMCO HIGH INCOME FD COM SHS 722014107   181,792 36,800 SH   SOLE   36,800 0 0
PROCTER AND GAMBLE CO COM 742718109   541,104 3,335 SH   SOLE   2,545 0 790
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,016,303 1,943 SH   SOLE   1,943 0 0
SPDR SER TR S&P REGL BKG 78464A698   200,466 3,987 SH   SOLE   1,261 0 2,726
SPDR SER TR S&P HOMEBUILD 78464A888   668,270 5,989 SH   SOLE   2,583 0 3,406
SAFETY INS GROUP INC COM 78648T100   2,522,649 30,693 SH   SOLE   29,800 0 893
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   322,819 1,550 SH   SOLE   1,550 0 0
STARBUCKS CORP COM 855244109   1,426,717 15,611 SH   SOLE   14,107 0 1,504
SUPER MICRO COMPUTER INC COM 86800U104   1,189,815 1,178 SH   SOLE   560 0 618
SYSCO CORP COM 871829107   382,724 4,715 SH   SOLE   4,715 0 0
TJX COS INC NEW COM 872540109   1,212,983 11,960 SH   SOLE   8,308 0 3,652
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   227,204 1,670 SH   SOLE   1,670 0 0
TRACTOR SUPPLY CO COM 892356106   314,064 1,200 SH   SOLE   1,200 0 0
UNION PAC CORP COM 907818108   779,657 3,170 SH   SOLE   3,170 0 0
VAIL RESORTS INC COM 91879Q109   780,297 3,502 SH   SOLE   3,420 0 82
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   324,315 1,776 SH   SOLE   1,390 0 386
VANGUARD STAR FDS VG TL INTL STK F 921909768   711,962 11,807 SH   SOLE   11,285 0 522
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,085,328 21,633 SH   SOLE   16,899 0 4,734
VANGUARD WORLD FD FINANCIALS ETF 92204A405   522,087 5,099 SH   SOLE   1,983 0 3,116
VANGUARD WORLD FD INF TECH ETF 92204A702   238,196 454 SH   SOLE   428 0 26
VANGUARD WORLD FD UTILITIES ETF 92204A876   1,017,450 7,136 SH   SOLE   5,422 0 1,714
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   498,572 6,449 SH   SOLE   5,964 0 485
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,439,411 30,299 SH   SOLE   23,981 0 6,319
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   446,798 8,830 SH   SOLE   3,930 0 4,900
VANGUARD INDEX FDS SML CP GRW ETF 922908595   747,540 2,867 SH   SOLE   2,867 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   1,994,177 5,794 SH   SOLE   5,028 0 765
VANGUARD INDEX FDS VALUE ETF 922908744   570,319 3,502 SH   SOLE   2,979 0 523
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,292,448 5,654 SH   SOLE   4,773 0 881
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,525,354 13,564 SH   SOLE   13,318 0 247
VERITONE INC COM 92347M100   134,130 25,500 SH   SOLE   25,500 0 0
VERTIV HOLDINGS CO COM CL A 92537N108   836,807 10,246 SH   SOLE   5,740 0 4,506
VISA INC COM CL A 92826C839   1,631,394 5,846 SH   SOLE   5,161 0 685
WEC ENERGY GROUP INC COM 92939U106   352,541 4,293 SH   SOLE   3,853 0 440
WALMART INC COM 931142103   219,939 3,655 SH   SOLE   2,441 0 1,214
YUM BRANDS INC COM 988498101   398,962 2,877 SH   SOLE   2,877 0 0
ZOETIS INC CL A 98978V103   987,093 5,834 SH   SOLE   5,405 0 429