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 COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 12-31-2021
Check here if Amendment   Amendment Number:
This Amendment (Check only one.):   is a restatement.
  adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: McNamara Financial Services, Inc.
Address: 1020 Plain Street
Suite 200
Marshfield , MA02050
Form 13F File Number: 028-16829

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: Alyssa McNamara
Title: CCO
Phone: 781-834-2010
Signature, Place, and Date of Signing:
Alyssa McNamara Marshfield , MA 01-24-2022
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
  13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
  13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 61
Form 13F Information Table Value Total: 383,044
(thousands)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name

List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
No. Form 13F File Number Name
SEC FORM 13F-HR

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
Expires: July 31, 2015
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
APPLE INC COM 037833100 1,221 6,874 SH SOLE NONE 0 0 6,874
CLEAN HARBORS INC COM 184496107 241 2,415 SH SOLE NONE 0 0 2,415
EXXON MOBIL CORP COM 30231G102 385 6,299 SH SOLE NONE 0 0 6,299
FIRST TR EXCH TRADED FD III ULTRA SHT DUR MU 33740J104 279 13,822 SH SOLE NONE 0 0 13,822
HINGHAM INSTN SVGS MASS COM 433323102 325 775 SH SOLE NONE 0 0 775
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743 220 4,637 SH SOLE NONE 0 0 4,637
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,703 9,920 SH SOLE NONE 0 0 9,920
ISHARES INC CORE MSCI EMKT 46434G103 939 15,683 SH SOLE NONE 0 0 15,683
ISHARES TR NATIONAL MUN ETF 464288414 1,998 17,184 SH SOLE NONE 0 0 17,184
ISHARES TR SHRT NAT MUN ETF 464288158 551 5,136 SH SOLE NONE 0 0 5,136
ISHARES TR TIPS BD ETF 464287176 950 7,352 SH SOLE NONE 0 0 7,352
ISHARES TR RUS 2000 VAL ETF 464287630 377 2,271 SH SOLE NONE 0 0 2,271
ISHARES TR RUS 1000 VAL ETF 464287598 382 2,273 SH SOLE NONE 0 0 2,273
ISHARES TR RUS 1000 GRW ETF 464287614 447 1,462 SH SOLE NONE 0 0 1,462
ISHARES TR CORE MSCI EAFE 46432F842 438 5,868 SH SOLE NONE 0 0 5,868
ISHARES TR RUS 1000 ETF 464287622 375 1,417 SH SOLE NONE 0 0 1,417
ISHARES TR RUSSELL 2000 ETF 464287655 204 916 SH SOLE NONE 0 0 916
ISHARES TR CORE S&P500 ETF 464287200 112,868 236,625 SH SOLE NONE 0 0 236,625
ISHARES TR MSCI USA ESG SLC 464288802 481 4,527 SH SOLE NONE 0 0 4,527
ISHARES TR 0-5YR HI YL CP 46434V407 540 11,919 SH SOLE NONE 0 0 11,919
NUSHARES ETF TR NUVEEN ESG INTL 67092P805 279 8,988 SH SOLE NONE 0 0 8,988
NUSHARES ETF TR NUVEEN ENHNC YLD 67092P102 377 15,319 SH SOLE NONE 0 0 15,319
NUSHARES ETF TR NUVEEN ESG EMRGN 67092P888 324 10,042 SH SOLE NONE 0 0 10,042
PEPSICO INC COM 713448108 1,447 8,331 SH SOLE NONE 0 0 8,331
PROCTER AND GAMBLE CO COM 742718109 345 2,107 SH SOLE NONE 0 0 2,107
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 390 10,313 SH SOLE NONE 0 0 10,313
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 64,684 1,559,029 SH SOLE NONE 0 0 1,559,029
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 458 8,107 SH SOLE NONE 0 0 8,107
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 51,849 1,421,294 SH SOLE NONE 0 0 1,421,294
SPDR SER TR BLOOMBERG EMERGI 78464A391 570 23,306 SH SOLE NONE 0 0 23,306
SPDR SER TR PORTFOLIO S&P500 78464A854 7,755 138,895 SH SOLE NONE 0 0 138,895
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 10,665 116,648 SH SOLE NONE 0 0 116,648
SPDR SER TR PORTFOLIO AGRGTE 78464A649 35,405 1,195,304 SH SOLE NONE 0 0 1,195,304
SPDR SER TR PORTFOLIO S&P600 78468R853 16,918 378,563 SH SOLE NONE 0 0 378,563
SPDR SER TR NUVEEN BLMBRG SH 78468R739 557 11,317 SH SOLE NONE 0 0 11,317
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 25,774 544,442 SH SOLE NONE 0 0 544,442
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 282 6,184 SH SOLE NONE 0 0 6,184
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 348 4,311 SH SOLE NONE 0 0 4,311
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 236 2,784 SH SOLE NONE 0 0 2,784
VANGUARD INDEX FDS GROWTH ETF 922908736 823 2,566 SH SOLE NONE 0 0 2,566
VANGUARD INDEX FDS VALUE ETF 922908744 646 4,388 SH SOLE NONE 0 0 4,388
VANGUARD INDEX FDS MID CAP ETF 922908629 251 984 SH SOLE NONE 0 0 984
VANGUARD INDEX FDS SML CP GRW ETF 922908595 679 2,411 SH SOLE NONE 0 0 2,411
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 582 5,020 SH SOLE NONE 0 0 5,020
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,462 24,169 SH SOLE NONE 0 0 24,169
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 652 4,339 SH SOLE NONE 0 0 4,339
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 239 547 SH SOLE NONE 0 0 547
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 970 3,808 SH SOLE NONE 0 0 3,808
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,578 8,823 SH SOLE NONE 0 0 8,823
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 6,166 124,669 SH SOLE NONE 0 0 124,669
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,797 50,933 SH SOLE NONE 0 0 50,933
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 7,305 42,532 SH SOLE NONE 0 0 42,532
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,934 77,056 SH SOLE NONE 0 0 77,056
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,367 12,192 SH SOLE NONE 0 0 12,192
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 606 9,017 SH SOLE NONE 0 0 9,017
WISDOMTREE TR EMER MKT HIGH FD 97717W315 3,862 89,161 SH SOLE NONE 0 0 89,161
WISDOMTREE TR YIELD ENHANCED 97717Y808 227 4,487 SH SOLE NONE 0 0 4,487
WISDOMTREE TR YIELD ENHANCD US 97717X511 442 8,553 SH SOLE NONE 0 0 8,553
WISDOMTREE TR US SMALLCAP DIVD 97717W604 337 10,249 SH SOLE NONE 0 0 10,249
WISDOMTREE TR INTL EQUITY FD 97717W703 299 5,527 SH SOLE NONE 0 0 5,527
YUM BRANDS INC COM 988498101 233 1,677 SH SOLE NONE 0 0 1,677