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
ABBOTT LABS COM 002824100 244,605 1,826 SH SOLE 0 0 1,826
ABBVIE INC COM 00287Y109 341,358 1,474 SH SOLE 0 0 1,474
ADVANCED MICRO DEVICES INC COM 007903107 464,176 2,869 SH SOLE 0 0 2,869
ALPHABET INC CAP STK CL C 02079K107 277,647 1,140 SH SOLE 0 0 1,140
AMAZON COM INC COM 023135106 393,199 1,791 SH SOLE 0 0 1,791
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,892,982 38,517 SH SOLE 0 0 38,517
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 2,801,460 41,540 SH SOLE 0 0 41,540
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 3,110,599 34,939 SH SOLE 0 0 34,939
AMERICAN CENTY ETF TR US SML CP VALU 025072877 24,222,138 243,365 SH SOLE 0 0 243,365
AMERICAN EXPRESS CO COM 025816109 346,689 1,044 SH SOLE 0 0 1,044
ANALOG DEVICES INC COM 032654105 1,191,509 4,849 SH SOLE 0 0 4,849
APPLE INC COM 037833100 2,334,034 9,166 SH SOLE 0 0 9,166
AT&T INC COM 00206R102 650,442 23,033 SH SOLE 0 0 23,033
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,116,586 2,221 SH SOLE 0 0 2,221
BNY MELLON ETF TRUST CONCENTRATED INT 09661T834 46,706,133 906,458 SH SOLE 0 0 906,458
CATERPILLAR INC COM 149123101 2,317,752 4,857 SH SOLE 0 0 4,857
CGI INC CL A SUB VTG 12532H104 656,710 7,368 SH SOLE 0 0 7,368
COCA COLA CO COM 191216100 211,627 3,191 SH SOLE 0 0 3,191
COSTCO WHSL CORP NEW COM 22160K105 336,178 363 SH SOLE 0 0 363
CSX CORP COM 126408103 519,264 14,623 SH SOLE 0 0 14,623
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 533,067 13,821 SH SOLE 0 0 13,821
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 201,973 3,470 SH SOLE 0 0 3,470
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,635,261 115,846 SH SOLE 0 0 115,846
ECOLAB INC COM 278865100 320,142 1,169 SH SOLE 0 0 1,169
ELEVANCE HEALTH INC FORMERLY COM 036752103 236,975 733 SH SOLE 0 0 733
EXXON MOBIL CORP COM 30231G102 537,678 4,769 SH SOLE 0 0 4,769
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 297,469 8,872 SH SOLE 0 0 8,872
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 46,677,663 1,009,465 SH SOLE 0 0 1,009,465
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884 40,953,345 725,480 SH SOLE 0 0 725,480
GE AEROSPACE COM NEW 369604301 906,972 3,015 SH SOLE 0 0 3,015
GE VERNOVA INC COM 36828A101 446,609 726 SH SOLE 0 0 726
HOME DEPOT INC COM 437076102 286,814 708 SH SOLE 0 0 708
INDEPENDENT BK CORP MASS COM 453836108 213,251 3,083 SH SOLE 0 0 3,083
INTERNATIONAL BUSINESS MACHS COM 459200101 215,852 765 SH SOLE 0 0 765
INTUIT COM 461202103 907,696 1,329 SH SOLE 0 0 1,329
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 217,022 1,799 SH SOLE 0 0 1,799
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 214,287 1,130 SH SOLE 0 0 1,130
INVESCO QQQ TR UNIT SER 1 46090E103 1,414,283 2,356 SH SOLE 0 0 2,356
ISHARES TR CORE 60/40 BALAN 464289867 1,785,142 27,728 SH SOLE 0 0 27,728
ISHARES TR CORE MSCI EAFE 46432F842 835,867 9,574 SH SOLE 0 0 9,574
ISHARES TR CORE S&P MCP ETF 464287507 23,022,622 352,783 SH SOLE 0 0 352,783
ISHARES TR CORE S&P SCP ETF 464287804 21,015,606 176,854 SH SOLE 0 0 176,854
ISHARES TR CORE S&P TTL STK 464287150 549,474 3,773 SH SOLE 0 0 3,773
ISHARES TR CORE S&P500 ETF 464287200 20,877,681 31,193 SH SOLE 0 0 31,193
ISHARES TR EAFE GRWTH ETF 464288885 4,446,856 39,049 SH SOLE 0 0 39,049
ISHARES TR EAFE SML CP ETF 464288273 858,031 11,184 SH SOLE 0 0 11,184
ISHARES TR EAFE VALUE ETF 464288877 4,633,343 68,308 SH SOLE 0 0 68,308
ISHARES TR ESG AW MSCI EAFE 46435G516 387,118 4,163 SH SOLE 0 0 4,163
ISHARES TR ESG AWARE MSCI 46435U663 288,202 6,393 SH SOLE 0 0 6,393
ISHARES TR ESG OPTIMIZED 464288802 500,361 3,689 SH SOLE 0 0 3,689
ISHARES TR GLOBAL REIT ETF 46434V647 696,314 27,242 SH SOLE 0 0 27,242
ISHARES TR MSCI INTL QUALTY 46434V456 35,983,853 814,299 SH SOLE 0 0 814,299
ISHARES TR NATIONAL MUN ETF 464288414 9,284,434 87,186 SH SOLE 0 0 87,186
ISHARES TR RUS 1000 ETF 464287622 815,682 2,232 SH SOLE 0 0 2,232
ISHARES TR RUS 1000 GRW ETF 464287614 673,572 1,438 SH SOLE 0 0 1,438
ISHARES TR RUS 1000 VAL ETF 464287598 228,159 1,121 SH SOLE 0 0 1,121
ISHARES TR S&P 500 GRWT ETF 464287309 311,930 2,584 SH SOLE 0 0 2,584
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 47,019,514 988,844 SH SOLE 0 0 988,844
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 1,664,318 32,976 SH SOLE 0 0 32,976
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 272,758 5,377 SH SOLE 0 0 5,377
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 251,789 4,933 SH SOLE 0 0 4,933
JOHNSON & JOHNSON COM 478160104 248,455 1,340 SH SOLE 0 0 1,340
JPMORGAN CHASE & CO. COM 46625H100 1,187,591 3,765 SH SOLE 0 0 3,765
LOCKHEED MARTIN CORP COM 539830109 417,625 837 SH SOLE 0 0 837
MACQUARIE ETF TRUST NATIONAL HIGH YL 555927870 15,950,905 655,736 SH SOLE 0 0 655,736
MASTERCARD INCORPORATED CL A 57636Q104 444,511 781 SH SOLE 0 0 781
MICROSOFT CORP COM 594918104 1,036,458 2,001 SH SOLE 0 0 2,001
NVIDIA CORPORATION COM 67066G104 447,690 2,399 SH SOLE 0 0 2,399
ORACLE CORP COM 68389X105 261,688 930 SH SOLE 0 0 930
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 35,307,302 826,482 SH SOLE 0 0 826,482
RTX CORPORATION COM 75513E101 626,422 3,744 SH SOLE 0 0 3,744
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,694,432 64,427 SH SOLE 0 0 64,427
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 229,595 8,410 SH SOLE 0 0 8,410
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 24,992,445 783,217 SH SOLE 0 0 783,217
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 9,682,312 332,611 SH SOLE 0 0 332,611
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 7,539,759 286,248 SH SOLE 0 0 286,248
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 14,191,011 478,779 SH SOLE 0 0 478,779
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,885,185 103,412 SH SOLE 0 0 103,412
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 285,276 1,012 SH SOLE 0 0 1,012
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 276,503 596 SH SOLE 0 0 596
SPDR S&P 500 ETF TR TR UNIT 78462F103 737,614 1,107 SH SOLE 0 0 1,107
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284 2,948,119 118,256 SH SOLE 0 0 118,256
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 755,869 9,649 SH SOLE 0 0 9,649
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 20,095,059 192,279 SH SOLE 0 0 192,279
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 26,411,247 477,340 SH SOLE 0 0 477,340
SPRINKLR INC CL A 85208T107 83,955 10,875 SH SOLE 0 0 10,875
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 9,126,764 295,556 SH SOLE 0 0 295,556
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867 3,047,820 80,844 SH SOLE 0 0 80,844
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107 23,100,206 472,590 SH SOLE 0 0 472,590
TESLA INC COM 88160R101 268,166 603 SH SOLE 0 0 603
TEXAS INSTRS INC COM 882508104 280,130 1,525 SH SOLE 0 0 1,525
UNDER ARMOUR INC CL A 904311107 494,095 18,286 SH Call SOLE 0 0 18,286
UNITEDHEALTH GROUP INC COM 91324P102 785,956 2,276 SH SOLE 0 0 2,276
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 44,397,355 447,960 SH SOLE 0 0 447,960
VANGUARD INDEX FDS GROWTH ETF 922908736 1,801,128 3,755 SH SOLE 0 0 3,755
VANGUARD INDEX FDS MID CAP ETF 922908629 1,912,620 6,511 SH SOLE 0 0 6,511
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 658,022 1,075 SH SOLE 0 0 1,075
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,407,671 5,536 SH SOLE 0 0 5,536
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,030,348 3,140 SH SOLE 0 0 3,140
VANGUARD INDEX FDS VALUE ETF 922908744 496,099 2,660 SH SOLE 0 0 2,660
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 3,023,601 38,454 SH SOLE 0 0 38,454
VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 771,362 10,057 SH SOLE 0 0 10,057
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 450,785 7,523 SH SOLE 0 0 7,523
VERIZON COMMUNICATIONS INC COM 92343V104 353,484 8,043 SH SOLE 0 0 8,043
VISA INC COM CL A 92826C839 1,209,460 3,543 SH SOLE 0 0 3,543