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
ALPHABET INC CAP STK CL C 02079K107 257,254 897 SH SOLE 0 0 0 897
APPLE INC COM 037833100 845,822 3,333 SH SOLE 0 0 0 3,333
AT&T INC COM 00206R102 293,812 10,135 SH SOLE 0 0 0 10,135
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 629,358 1,313 SH SOLE 0 0 0 1,313
BROADCOM INC COM 11135F101 633,006 2,045 SH SOLE 0 0 0 2,045
CRH PLC ORD G25508105 561,346 5,340 SH SOLE 0 0 0 5,340
EXXON MOBIL CORP COM 30231G102 919,465 5,419 SH SOLE 0 0 0 5,419
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 6,354,346 68,136 SH SOLE 0 0 0 68,136
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 10,807,856 317,691 SH SOLE 0 0 0 317,691
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 1,288,497 18,313 SH SOLE 0 0 0 18,313
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 11,461,818 194,038 SH SOLE 0 0 0 194,038
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 11,274,649 130,313 SH SOLE 0 0 0 130,313
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 47,742,616 1,273,476 SH SOLE 0 0 0 1,273,476
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 11,607,938 170,404 SH SOLE 0 0 0 170,404
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 11,414,679 162,602 SH SOLE 0 0 0 162,602
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 11,299,968 303,763 SH SOLE 0 0 0 303,763
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 15,568,052 74,828 SH SOLE 0 0 0 74,828
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 16,812,827 304,360 SH SOLE 0 0 0 304,360
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 305,306 11,345 SH SOLE 0 0 0 11,345
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 34,683,140 993,502 SH SOLE 0 0 0 993,502
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 6,317,342 274,667 SH SOLE 0 0 0 274,667
GE AEROSPACE COM NEW 369604301 364,587 1,285 SH SOLE 0 0 0 1,285
GE VERNOVA INC COM 36828A101 280,661 322 SH SOLE 0 0 0 322
HOME DEPOT INC COM 437076102 437,361 1,330 SH SOLE 0 0 0 1,330
INDEPENDENT BK CORP MASS COM 453836108 428,562 5,698 SH SOLE 0 0 0 5,698
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 592,104 3,085 SH SOLE 0 0 0 3,085
INVESCO QQQ TR UNIT SER 1 46090E103 240,082 416 SH SOLE 0 0 0 416
ISHARES TR 3 7 YR TREAS BD 464288661 19,367,103 163,298 SH SOLE 0 0 0 163,298
ISHARES TR S&P MC 400GR ETF 464287606 6,742,703 67,012 SH SOLE 0 0 0 67,012
ISHARES TR S&P SML 600 GWT 464287887 4,420,414 30,547 SH SOLE 0 0 0 30,547
ISHARES TR CORE 1 5 YR USD 46432F859 7,570,651 156,225 SH SOLE 0 0 0 156,225
ISHARES TR TIPS BD ETF 464287176 13,394,830 121,374 SH SOLE 0 0 0 121,374
ISHARES TR 0-5 YR TIPS ETF 46429B747 270,460 2,615 SH SOLE 0 0 0 2,615
ISHARES TR 7-10 YR TRSY BD 464287440 19,603,438 205,401 SH SOLE 0 0 0 205,401
ISHARES TR 1 3 YR TREAS BD 464287457 7,506,546 90,911 SH SOLE 0 0 0 90,911
ISHARES TR CORE S&P US GWT 464287671 6,207,781 40,022 SH SOLE 0 0 0 40,022
ISHARES TR CORE S&P US VLU 464287663 9,504,440 92,953 SH SOLE 0 0 0 92,953
ISHARES TR CONV BD ETF 46435G102 12,640,351 124,181 SH SOLE 0 0 0 124,181
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 537,265 8,005 SH SOLE 0 0 0 8,005
JPMORGAN CHASE & CO COM 46625H100 1,166,874 3,967 SH SOLE 0 0 0 3,967
M & T BK CORP COM 55261F104 560,260 2,710 SH SOLE 0 0 0 2,710
MICROSOFT CORP COM 594918104 830,874 2,245 SH SOLE 0 0 0 2,245
RTX CORPORATION COM 75513E101 303,642 1,574 SH SOLE 0 0 0 1,574
SPDR GOLD TR GOLD SHS 78463V107 12,367,825 28,743 SH SOLE 0 0 0 28,743
TESLA INC COM 88160R101 219,333 590 SH SOLE 0 0 0 590
TORONTO DOMINION BK ONT COM NEW 891160509 377,532 4,046 SH SOLE 0 0 0 4,046
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,018,255 9,408 SH SOLE 0 0 0 9,408
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,586,662 2,655 SH SOLE 0 0 0 2,655
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 852,933 3,966 SH SOLE 0 0 0 3,966
VERIZON COMMUNICATIONS INC COM 92343V104 309,724 6,170 SH SOLE 0 0 0 6,170
WALMART INC COM 931142103 402,984 3,243 SH SOLE 0 0 0 3,243