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
CVS HEALTH CORP COM 126650100 213 2,298 SH   DFND 1 0 190 2,108
COLGATE PALMOLIVE CO COM 194162103 239 2,984 SH   DFND 1,3 0 24 2,960
EBAY INC. COM 278642103 247 5,915 SH   DFND 1 0 235 5,680
FS KKR CAP CORP COM 302635206 1,092 56,251 SH   SOLE 0 0 56,251
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 229 6,420 SH   DFND 4 0 5,051 1,369
HOME DEPOT INC COM 437076102 507 1,849 SH   DFND 1 0 220 1,629
HONEYWELL INTL INC COM 438516106 279 1,602 SH   DFND 1 0 103 1,499
ISHARES TR CORE S&P500 ETF 464287200 37,653 99,308 SH   DFND 5 0 550 98,758
ISHARES TR MSCI EAFE ETF 464287465 1,143 18,300 SH   SOLE 0 14,500 3,800
ISHARES TR RUS MDCP VAL ETF 464287473 382 3,761 SH   SOLE 0 0 3,761
ISHARES TR US CONSUM DISCRE 464287580 200 3,518 SH   DFND 4 0 3,518 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,708 11,788 SH   SOLE 0 6,211 5,577
ISHARES TR RUS 1000 GRW ETF 464287614 782 3,573 SH   SOLE 0 1,000 2,573
ISHARES TR RUS 2000 GRW ETF 464287648 305 1,476 SH   SOLE 0 0 1,476
ISHARES TR RUSSELL 2000 ETF 464287655 1,014 5,988 SH   SOLE 0 5,187 801
ISHARES TR CORE S&P US GWT 464287671 362 4,319 SH   SOLE 0 0 4,319
ISHARES TR RUSSELL 3000 ETF 464287689 1,342 6,172 SH   SOLE 0 0 6,172
ISHARES TR S&P SML 600 GWT 464287887 4,268 40,520 SH   SOLE 0 0 40,520
ISHARES TR EAFE GRWTH ETF 464288885 410 5,097 SH   SOLE 0 0 5,097
JOHNSON & JOHNSON COM 478160104 460 2,595 SH   DFND 1,3 0 474 2,121
LILLY ELI & CO COM 532457108 324 998 SH   DFND 1 0 138 860
MARATHON OIL CORP COM 565849106 428 19,035 SH   DFND 1 0 491 18,544
MICROSOFT CORP COM 594918104 1,631 6,355 SH   DFND 1,3,4 0 1,369 4,986
PFIZER INC COM 717081103 276 5,264 SH   DFND 1 0 939 4,325
PROCTER AND GAMBLE CO COM 742718109 252 1,758 SH   DFND 1 0 358 1,400
SAN JUAN BASIN RTY TR UNIT BEN INT 798241105 234 27,034 SH   SOLE 0 0 27,034
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 276 4,416 SH   SOLE 0 0 4,416
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 13,815 488,001 SH   DFND 5 0 28,650 459,351
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 955 30,375 SH   SOLE 0 25,475 4,900
SCHWAB STRATEGIC TR US TIPS ETF 808524870 460 8,250 SH   SOLE 0 8,250 0
SPROTT INC COM NEW 852066208 410 11,823 SH   SOLE 0 0 11,823
THERMO FISHER SCIENTIFIC INC COM 883556102 248 456 SH   DFND 1,3,4 0 67 389
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,828 24,300 SH   SOLE 0 17,000 7,300
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 505 5,915 SH   SOLE 0 0 5,915
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 278 800 SH   SOLE 0 0 800
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,073 35,235 SH   SOLE 0 29,435 5,800
VANGUARD INDEX FDS GROWTH ETF 922908736 203 912 SH   SOLE 0 0 912
VANGUARD INDEX FDS VALUE ETF 922908744 16,330 123,825 SH   DFND 5 0 1,072 122,753
VANGUARD INDEX FDS SMALL CP ETF 922908751 205 1,165 SH   SOLE 0 0 1,165
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,800 30,750 SH   SOLE 0 0 30,750
RAYTHEON TECHNOLOGIES CORP PUT 75513E951 287 2,984 SH   DFND 1,3 0 238 2,746
INVESCO QQQ TR UNIT SER 1 46090E103 8,300 29,614 SH   DFND 5 0 869 28,745
TARGET CORP COM 87612E106 365 2,585 SH   DFND 1 0 60 2,525
FIRST TR EXCH TRADED FD III INSTL PFD SECS 33739P855 268 15,560 SH   SOLE 0 15,560 0
ALPHABET INC CAP STK CL C 02079K107 1,573 719 SH   DFND 1,3 0 32 687
ALPHABET INC CAP STK CL A 02079K305 427 196 SH   DFND 1,3 0 74 122
AMAZON COM INC COM 023135106 2,567 24,161 SH   DFND 1,2,3 0 1,716 22,445
AMERICAN TOWER CORP NEW COM 03027X100 280 1,097 SH   DFND 1 0 68 1,029
AMGEN INC COM 031162100 257 1,057 SH   DFND 1 0 107 950
ANALOG DEVICES INC COM 032654105 200 1,364 SH   DFND 1 0 60 1,304
APPLE INC COM 037833100 2,951 21,587 SH   DFND 1,2,3,4 0 3,117 18,470
BECTON DICKINSON & CO COM 075887109 244 990 SH   DFND 1 0 49 941
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,648 13,362 SH   DFND 1 0 301 13,061
BIOTRICITY INC COM 09074H104 47 26,748 SH   SOLE 0 0 26,748
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 299 12,831 SH   SOLE 0 0 12,831
EASTERN BANKSHARES INC COM 27627N105 185 10,000 SH   SOLE 0 0 10,000
EXXON MOBIL CORP COM 30231G102 360 4,212 SH   DFND 1 0 262 3,950
FIRST TR VALUE LINE DIVID IN SHS 33734H106 1,109 28,556 SH   SOLE 0 13,930 14,626
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309 590 13,380 SH   SOLE 0 13,380 0
FIRST TR EXCHNG TRADED FD VI VEST US EQTY BUF 33740F664 2,026 64,197 SH   SOLE 0 0 64,197
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722 388 11,025 SH   SOLE 0 11,025 0
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQ 33740F755 2,185 101,810 SH   SOLE 0 0 101,810
FIRST TR EXCHNG TRADED FD VI CBOE EQT BUFER 33740F847 4,262 125,293 SH   SOLE 0 0 125,293
HARBORONE BANCORP INC NEW COM NEW 41165Y100 374 27,114 SH   SOLE 0 0 27,114
ISHARES TR CORE DIV GRWTH 46434V621 200 4,196 SH   SOLE 0 0 4,196
JPMORGAN CHASE & CO COM 46625H100 245 2,181 SH   DFND 1,3 0 642 1,539
KKR & CO INC COM 48251W104 251 5,412 SH   DFND 1 0 12 5,400
LISTED FD TR HORIZON KINETICS 53656F623 1,071 37,512 SH   SOLE 0 14,400 23,112
MERCK & CO INC COM 58933Y105 212 2,319 SH   DFND 1 0 512 1,807
NEXTERA ENERGY INC COM 65339F101 210 2,712 SH   DFND 1,3 0 460 2,252
NVIDIA CORPORATION COM 67066G104 1,802 11,884 SH   DFND 1,4 0 424 11,460
SPDR S&P 500 ETF TR TR UNIT 78462F103 957 2,538 SH   SOLE 0 0 2,538
SPDR GOLD TR GOLD SHS 78463V107 1,038 6,164 SH   SOLE 0 0 6,164
SPDR SER TR DJ REIT ETF 78464A607 466 4,900 SH   SOLE 0 4,900 0
SPDR SER TR S&P DIVID ETF 78464A763 4,645 39,138 SH   SOLE 0 0 39,138
SPDR SER TR S&P KENSHO NEW 78468R648 2,786 68,712 SH   SOLE 0 0 68,712
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 405 3,154 SH   DFND 4 0 325 2,829
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 421 5,826 SH   DFND 4 0 298 5,528
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 322 2,343 SH   DFND 4 0 1,554 789
SELECT SECTOR SPDR TR ENERGY 81369Y506 5,797 81,061 SH   DFND 4 0 2,194 78,867
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 270 8,610 SH   DFND 4 0 6,500 2,110
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 385 4,409 SH   DFND 4 0 3,059 1,350
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 816 6,416 SH   DFND 4 0 5,529 887
SLEEP NUMBER CORP COM 83125X103 1,229 39,715 SH   SOLE 0 0 39,715
SNAP INC CL A 83304A106 271 20,650 SH   SOLE 0 0 20,650
TESLA INC COM 88160R101 1,666 2,474 SH   DFND 1 0 102 2,372
TEXAS PACIFIC LAND CORPORATI COM 88262P102 2,485 1,670 SH   SOLE 0 0 1,670
UNITEDHEALTH GROUP INC COM 91324P102 455 885 SH   DFND 1 0 185 700
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 353 1,552 SH   SOLE 0 0 1,552
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 280 1,509 SH   DFND 4 0 1,509 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 2,375 23,873 SH   DFND 4 0 5,275 18,598
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 272 3,523 SH   DFND 4 0 3,523 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 532 2,260 SH   DFND 4 0 2,260 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 271 1,662 SH   DFND 4 0 502 1,160
VANGUARD WORLD FDS INF TECH ETF 92204A702 935 2,863 SH   DFND 4 0 1,544 1,319
VISA INC COM CL A 92826C839 245 1,244 SH   DFND 1,3 0 313 931