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 317,058 897 SH SOLE 0 0 0 897
APPLE INC COM 037833100 657,888 2,274 SH SOLE 0 0 0 2,274
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 657,188 1,313 SH SOLE 0 0 0 1,313
CRH PLC ORD G25508105 575,292 5,377 SH SOLE 0 0 0 5,377
EXXON MOBIL CORP COM 30231G102 588,911 4,307 SH SOLE 0 0 0 4,307
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 12,696,261 123,456 SH SOLE 0 0 0 123,456
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 869,449 11,255 SH SOLE 0 0 0 11,255
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 1,006,440 17,228 SH SOLE 0 0 0 17,228
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 13,579,312 136,325 SH SOLE 0 0 0 136,325
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 58,651,241 1,340,600 SH SOLE 0 0 0 1,340,600
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 12,884,252 185,438 SH SOLE 0 0 0 185,438
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 899,275 11,746 SH SOLE 0 0 0 11,746
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 11,972,945 204,631 SH SOLE 0 0 0 204,631
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 13,191,317 328,715 SH SOLE 0 0 0 328,715
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 40,342,024 141,263 SH SOLE 0 0 0 141,263
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 13,745,623 227,992 SH SOLE 0 0 0 227,992
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 26,904,812 671,110 SH SOLE 0 0 0 671,110
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 400,395 13,665 SH SOLE 0 0 0 13,665
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 6,850,333 298,880 SH SOLE 0 0 0 298,880
GE AEROSPACE COM NEW 369604301 387,177 1,036 SH SOLE 0 0 0 1,036
GE VERNOVA INC COM 36828A101 319,121 272 SH SOLE 0 0 0 272
HOME DEPOT INC COM 437076102 462,219 1,311 SH SOLE 0 0 0 1,311
INDEPENDENT BK CORP MASS COM 453836108 480,042 5,734 SH SOLE 0 0 0 5,734
INTEL CORP COM 458140100 209,445 1,500 SH SOLE 0 0 0 1,500
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 658,935 3,097 SH SOLE 0 0 0 3,097
INVESCO QQQ TR UNIT SER 1 46090E103 306,311 416 SH SOLE 0 0 0 416
ISHARES TR S&P MC 400GR ETF 464287606 5,166,382 43,969 SH SOLE 0 0 0 43,969
ISHARES TR S&P SML 600 GWT 464287887 7,735,885 43,314 SH SOLE 0 0 0 43,314
ISHARES TR S&P MC 400VL ETF 464287705 9,797,959 66,323 SH SOLE 0 0 0 66,323
ISHARES TR FALN ANGLS USD 46435G474 6,999,447 256,955 SH SOLE 0 0 0 256,955
ISHARES TR CORE 1 5 YR USD 46432F859 7,375,047 152,851 SH SOLE 0 0 0 152,851
ISHARES TR TIPS BD ETF 464287176 21,026,740 192,148 SH SOLE 0 0 0 192,148
ISHARES TR SP SMCP600VL ETF 464287879 7,411,858 54,228 SH SOLE 0 0 0 54,228
ISHARES TR CORE MSCI TOTAL 46432F834 201,515 2,111 SH SOLE 0 0 0 2,111
ISHARES TR CORE S&P US GWT 464287671 5,476,527 29,117 SH SOLE 0 0 0 29,117
ISHARES TR CORE S&P US VLU 464287663 7,027,026 63,795 SH SOLE 0 0 0 63,795
ISHARES TR 1 3 YR TREAS BD 464287457 1,005,458 12,245 SH SOLE 0 0 0 12,245
ISHARES TR PFD AND INCM SEC 464288687 16,556,564 543,016 SH SOLE 0 0 0 543,016
ISHARES TR 0-5 YR TIPS ETF 46429B747 272,150 2,664 SH SOLE 0 0 0 2,664
ISHARES TR 7-10 YR TRSY BD 464287440 1,357,656 14,356 SH SOLE 0 0 0 14,356
ISHARES TR CONV BD ETF 46435G102 17,211,070 141,376 SH SOLE 0 0 0 141,376
ISHARES TR 3 7 YR TREAS BD 464288661 20,653,602 175,850 SH SOLE 0 0 0 175,850
ISHARES TR IBOXX INV CP ETF 464287242 6,925,929 63,500 SH SOLE 0 0 0 63,500
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 602,344 8,036 SH SOLE 0 0 0 8,036
JPMORGAN CHASE & CO COM 46625H100 1,300,128 3,972 SH SOLE 0 0 0 3,972
M & T BK CORP COM 55261F104 644,868 2,709 SH SOLE 0 0 0 2,709
MICROSOFT CORP COM 594918104 620,357 1,663 SH SOLE 0 0 0 1,663
RTX CORPORATION COM 75513E101 299,287 1,577 SH SOLE 0 0 0 1,577
SPDR GOLD TR GOLD SHS 78463V107 13,008,235 35,312 SH SOLE 0 0 0 35,312
TESLA INC COM 88160R101 248,154 590 SH SOLE 0 0 0 590
TORONTO DOMINION BK ONT COM NEW 891160509 491,306 4,046 SH SOLE 0 0 0 4,046
TRAVELERS COMPANIES INC COM 89417E109 219,559 665 SH SOLE 0 0 0 665
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,491,358 9,435 SH SOLE 0 0 0 9,435
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,828,945 2,663 SH SOLE 0 0 0 2,663
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 942,266 3,982 SH SOLE 0 0 0 3,982