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
ADVANCED MICRO DEVICES INC COM 007903107 342 3,131 SH   SOLE   0 0 3,131
AMAZON COM INC COM 023135106 219 67 SH   SOLE   0 0 67
ANALOG DEVICES INC COM 032654105 806 4,881 SH   SOLE   0 0 4,881
ANTHEM INC COM 036752103 428 872 SH   SOLE   0 0 872
APPLE INC COM 037833100 1,723 9,870 SH   SOLE   0 0 9,870
AT&T INC COM 00206R102 574 24,307 SH   SOLE   0 0 24,307
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 735 2,082 SH   SOLE   0 0 2,082
CANO HEALTH INC *W EXP 06/03/202 13781Y111 99 62,532 SH   SOLE   0 0 62,532
CANO HEALTH INC COM CL A 13781Y103 647 101,963 SH   SOLE   0 0 101,963
CISCO SYS INC COM 17275R102 212 3,800 SH   SOLE   0 0 3,800
CONFORMIS INC COM 20717E101 6 10,000 SH   SOLE   0 0 10,000
COSTCO WHSL CORP NEW COM 22160K105 227 395 SH   SOLE   0 0 395
CSX CORP COM 126408103 204 5,457 SH   SOLE   0 0 5,457
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 419 8,995 SH   SOLE   0 0 8,995
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,199 128,232 SH   SOLE   0 0 128,232
ENTERPRISE BANCORP INC MASS COM 293668109 206 5,136 SH   SOLE   0 0 5,136
EXXON MOBIL CORP COM 30231G102 392 4,745 SH   SOLE   0 0 4,745
HERITAGE INSURANCE HLDGS INC COM 42727J102 135 18,918 SH   SOLE   0 0 18,918
INTUIT COM 461202103 639 1,329 SH   SOLE   0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P MDCP400 EQ 46137V225 215 2,333 SH   SOLE   0 0 2,333
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 216 1,367 SH   SOLE   0 0 1,367
INVESCO QQQ TR UNIT SER 1 46090E103 549 1,514 SH   SOLE   0 0 1,514
ISHARES TR CORE S&P MCP ETF 464287507 29,835 111,184 SH   SOLE   0 0 111,184
ISHARES TR CORE S&P SCP ETF 464287804 18,179 168,508 SH   SOLE   0 0 168,508
ISHARES TR CORE S&P500 ETF 464287200 8,245 18,173 SH   SOLE   0 0 18,173
ISHARES TR EAFE GRWTH ETF 464288885 457 4,743 SH   SOLE   0 0 4,743
ISHARES TR MSCI USA ESG SLC 464288802 274 2,831 SH   SOLE   0 0 2,831
ISHARES TR RUS 1000 ETF 464287622 253 1,012 SH   SOLE   0 0 1,012
ISHARES TR RUS 1000 GRW ETF 464287614 473 1,704 SH   SOLE   0 0 1,704
ISHARES TR S&P 500 GRWT ETF 464287309 250 3,274 SH   SOLE   0 0 3,274
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 300 5,923 SH   SOLE   0 0 5,923
JOHNSON & JOHNSON COM 478160104 306 1,727 SH   SOLE   0 0 1,727
JPMORGAN CHASE & CO COM 46625H100 509 3,735 SH   SOLE   0 0 3,735
MASTERCARD INCORPORATED CL A 57636Q104 251 703 SH   SOLE   0 0 703
MICROSOFT CORP COM 594918104 469 1,521 SH   SOLE   0 0 1,521
PUBLIC STORAGE COM 74460D109 216 553 SH   SOLE   0 0 553
RAYTHEON TECHNOLOGIES CORP COM 75513E101 635 6,409 SH   SOLE   0 0 6,409
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771 1,622 27,721 SH   SOLE   0 0 27,721
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 222 4,161 SH   SOLE   0 0 4,161
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 18,703 249,968 SH   SOLE   0 0 249,968
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,821 123,567 SH   SOLE   0 0 123,567
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,642 123,337 SH   SOLE   0 0 123,337
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 13,438 177,144 SH   SOLE   0 0 177,144
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,592 54,728 SH   SOLE   0 0 54,728
SPDR S&P 500 ETF TR TR UNIT 78462F103 583 1,292 SH   SOLE   0 0 1,292
SPDR SER TR PRTFLO S&P500 GW 78464A409 6,573 99,268 SH   SOLE   0 0 99,268
SPDR SER TR PRTFLO S&P500 VL 78464A508 14,335 343,356 SH   SOLE   0 0 343,356
SPRINKLR INC CL A 85208T107 129 10,875 SH   SOLE   0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 4,444 144,137 SH   SOLE   0 0 144,137
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 4,655 158,589 SH   SOLE   0 0 158,589
VANGUARD INDEX FDS GROWTH ETF 922908736 1,144 3,977 SH   SOLE   0 0 3,977
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 354 7,367 SH   SOLE   0 0 7,367
VERIZON COMMUNICATIONS INC COM 92343V104 409 8,025 SH   SOLE   0 0 8,025
VISA INC COM CL A 92826C839 794 3,579 SH   SOLE   0 0 3,579