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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
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   1,433,491 28,414 SH   SOLE   0 0 28,414
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,289,093 17,301 SH   SOLE   0 0 17,301
APPLE INC COM 037833100   1,455,208 11,200 SH   SOLE   0 0 11,200
ARCHER DANIELS MIDLAND CO COM 039483102   522,188 5,624 SH   SOLE   0 0 5,624
BIOLIFE SOLUTIONS INC COM NEW 09062W204   201,165 11,053 SH   SOLE   0 0 11,053
BNY MELLON ETF TRUST US LRG CP CORE 09661T107   46,487,199 663,197 SH   SOLE   0 0 663,197
BNY MELLON ETF TRUST INTERNATIONL EQT 09661T404   29,003,755 465,518 SH   SOLE   0 0 465,518
BNY MELLON ETF TRUST CORE BOND ETF 09661T602   42,649,868 1,025,237 SH   SOLE   0 0 1,025,237
CAMBRIDGE BANCORP COM 132152109   1,874,913 22,573 SH   SOLE   0 0 22,573
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352   300,599 14,253 SH   SOLE   0 0 14,253
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   9,311,048 206,820 SH   SOLE   0 0 206,820
FIRST MERCHANTS CORP COM 320817109   368,263 8,958 SH   SOLE   0 0 8,958
FIRST TR SR FLTG RATE INCOME COM 33733U108   123,567 12,966 SH   SOLE   0 0 12,966
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   1,319,362 26,329 SH   SOLE   0 0 26,329
FORD MTR CO DEL COM 345370860   625,832 53,812 SH   SOLE   0 0 53,812
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   9,545,438 504,382 SH   SOLE   0 0 504,382
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   11,120,534 552,162 SH   SOLE   0 0 552,162
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   12,066,709 589,048 SH   SOLE   0 0 589,048
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   12,668,025 603,814 SH   SOLE   0 0 603,814
ISHARES GOLD TR ISHARES NEW 464285204   1,122,411 32,449 SH   SOLE   0 0 32,449
ISHARES TR S&P 100 ETF 464287101   749,649 4,395 SH   SOLE   0 0 4,395
ISHARES TR CORE S&P TTL STK 464287150   3,159,377 37,257 SH   SOLE   0 0 37,257
ISHARES TR CORE S&P500 ETF 464287200   238,836 622 SH   SOLE   0 0 622
ISHARES TR CORE US AGGBD ET 464287226   451,718 4,657 SH   SOLE   0 0 4,657
ISHARES TR NORTH AMERN NAT 464287374   1,865,801 45,888 SH   SOLE   0 0 45,888
ISHARES TR RUS 1000 ETF 464287622   4,941,413 23,472 SH   SOLE   0 0 23,472
ISHARES TR NATIONAL MUN ETF 464288414   503,977 4,776 SH   SOLE   0 0 4,776
ISHARES TR 0-5 YR TIPS ETF 46429B747   411,647 4,246 SH   SOLE   0 0 4,246
ISHARES TR CORE MSCI EAFE 46432F842   275,284 4,466 SH   SOLE   0 0 4,466
ISHARES TR MSCI INTL SML CP 46434V266   1,736,718 57,891 SH   SOLE   0 0 57,891
ISHARES TR IBONDS DEC2023 46435G318   3,137,875 123,782 SH   SOLE   0 0 123,782
ISHARES TR IBONDS DEC 26 46435U259   1,535,637 60,914 SH   SOLE   0 0 60,914
ISHARES TR IBONDS DEC 27 46435U283   1,140,981 45,503 SH   SOLE   0 0 45,503
ISHARES TR IBONDS DEC 25 46435U432   2,042,092 77,440 SH   SOLE   0 0 77,440
ISHARES TR ESG AWR US AGRGT 46435U549   1,521,173 32,545 SH   SOLE   0 0 32,545
ISHARES TR IBONDS DEC 46435U697   3,045,605 118,276 SH   SOLE   0 0 118,276
LILLY ELI & CO COM 532457108   206,700 565 SH   SOLE   0 0 565
MICROSOFT CORP COM 594918104   898,320 3,746 SH   SOLE   0 0 3,746
NEXGEN ENERGY LTD COM 65340P106   44,300 10,000 SH   SOLE   0 0 10,000
PFIZER INC COM 717081103   408,639 7,975 SH   SOLE   0 0 7,975
PROCTER AND GAMBLE CO COM 742718109   230,469 1,521 SH   SOLE   0 0 1,521
SPDR S&P 500 ETF TR TR UNIT 78462F103   637,789 1,668 SH   SOLE   0 0 1,668
SPDR GOLD TR GOLD SHS 78463V107   453,448 2,673 SH   SOLE   0 0 2,673
SPDR INDEX SHS FDS MSCI EMRG MKTS 78463X426   248,516 4,651 SH   SOLE   0 0 4,651
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   225,328 6,836 SH   SOLE   0 0 6,836
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   5,654,471 190,450 SH   SOLE   0 0 190,450
SPDR SER TR PORTFOLIO AGRGTE 78464A649   7,347,605 292,384 SH   SOLE   0 0 292,384
SPDR SER TR S&P DIVID ETF 78464A763   1,165,908 9,319 SH   SOLE   0 0 9,319
SPDR SER TR PORTFOLI S&P1500 78464A805   9,376,889 198,285 SH   SOLE   0 0 198,285
SPDR SER TR PORTFOLIO S&P400 78464A847   292,548 6,883 SH   SOLE   0 0 6,883
SPDR SER TR PORTFOLIO S&P500 78464A854   2,245,666 49,926 SH   SOLE   0 0 49,926
SPDR SER TR PORTFOLIO SH TSR 78468R101   20,232,919 700,343 SH   SOLE   0 0 700,343
SPDR SER TR NUVEEN BLMBRG MU 78468R721   253,997 5,568 SH   SOLE   0 0 5,568
SPDR SER TR MSCI USA STRTGIC 78468R812   4,063,389 36,836 SH   SOLE   0 0 36,836
SPDR SER TR PORTFOLIO S&P600 78468R853   554,283 14,993 SH   SOLE   0 0 14,993
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   549,138 13,661 SH   SOLE   0 0 13,661
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   4,883,873 108,170 SH   SOLE   0 0 108,170
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,115,697 62,730 SH   SOLE   0 0 62,730
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   312,613 7,717 SH   SOLE   0 0 7,717
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   311,032 9,656 SH   SOLE   0 0 9,656
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   499,641 10,945 SH   SOLE   0 0 10,945
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   474,520 9,837 SH   SOLE   0 0 9,837
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   311,413 2,503 SH   SOLE   0 0 2,503
SPERO THERAPEUTICS INC COM 84833T103   20,760 12,000 SH   SOLE   0 0 12,000
SPROTT PHYSICAL GOLD TR UNIT 85207H104   11,108,600 787,844 SH   SOLE   0 0 787,844
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   155,258 18,842 SH   SOLE   0 0 18,842
VANECK ETF TRUST INFLATION ALLOCA 92189F130   3,120,038 125,808 SH   SOLE   0 0 125,808
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   3,497,013 53,875 SH   SOLE   0 0 53,875
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   2,096,137 13,804 SH   SOLE   0 0 13,804
VANGUARD WORLD FD ESG US STK ETF 921910733   234,267 3,557 SH   SOLE   0 0 3,557
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   399,887 3,695 SH   SOLE   0 0 3,695
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,245,569 26,666 SH   SOLE   0 0 26,666
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   289,091 6,993 SH   SOLE   0 0 6,993
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,021,370 6,001 SH   SOLE   0 0 6,001
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   1,236,870 14,996 SH   SOLE   0 0 14,996
VANGUARD INDEX FDS SML CP GRW ETF 922908595   1,109,218 5,531 SH   SOLE   0 0 5,531
VANGUARD INDEX FDS MID CAP ETF 922908629   2,362,914 11,594 SH   SOLE   0 0 11,594
VANGUARD INDEX FDS GROWTH ETF 922908736   3,754,053 17,616 SH   SOLE   0 0 17,616
VANGUARD INDEX FDS SMALL CP ETF 922908751   215,476 1,174 SH   SOLE   0 0 1,174
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,811,998 14,708 SH   SOLE   0 0 14,708
WISDOMTREE TR INTL EQUITY FD 97717W703   220,288 4,683 SH   SOLE   0 0 4,683
WISDOMTREE TR GLB US QTLY DIV 97717W844   2,557,255 79,356 SH   SOLE   0 0 79,356
WISDOMTREE TR US QTLY DIV GRT 97717X669   2,081,311 34,482 SH   SOLE   0 0 34,482
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   745,866 14,837 SH   SOLE   0 0 14,837
WORLD GOLD TR SPDR GLD MINIS 98149E303   2,258,509 62,407 SH   SOLE   0 0 62,407