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 305,960 898 SH SOLE 0 0 0 898
APPLE INC COM 037833100 757,798 2,276 SH SOLE 0 0 0 2,276
AT&T INC COM 00206R102 214,722 8,800 SH SOLE 0 0 0 8,800
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 653,983 1,313 SH SOLE 0 0 0 1,313
CRH PLC ORD G25508105 447,172 5,401 SH SOLE 0 0 0 5,401
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 702,304 4,315 SH SOLE 0 0 0 4,315
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873 13,901,843 193,054 SH SOLE 0 0 0 193,054
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 290,272 3,833 SH SOLE 0 0 0 3,833
FIDELITY COVINGTON TRUST MSCI MATLS INDEX 316092881 12,466,572 223,656 SH SOLE 0 0 0 223,656
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 13,752,852 344,597 SH SOLE 0 0 0 344,597
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 45,165,662 150,522 SH SOLE 0 0 0 150,522
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 12,452,727 131,483 SH SOLE 0 0 0 131,483
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 812,794 9,949 SH SOLE 0 0 0 9,949
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 429,891 8,421 SH SOLE 0 0 0 8,421
FIDELITY COVINGTON TRUST MSCI INDL INDX 316092709 12,604,501 142,295 SH SOLE 0 0 0 142,295
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305 63,102,149 1,399,471 SH SOLE 0 0 0 1,399,471
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 14,328,968 235,945 SH SOLE 0 0 0 235,945
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 374,280 13,770 SH SOLE 0 0 0 13,770
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 28,963,684 700,113 SH SOLE 0 0 0 700,113
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595 7,270,662 316,116 SH SOLE 0 0 0 316,116
GE AEROSPACE COM NEW 369604301 338,091 1,083 SH SOLE 0 0 0 1,083
GE VERNOVA INC COM 36828A101 268,718 283 SH SOLE 0 0 0 283
HOME DEPOT INC COM 437076102 367,603 1,292 SH SOLE 0 0 0 1,292
INDEPENDENT BK CORP MASS COM 453836108 447,955 5,769 SH SOLE 0 0 0 5,769
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 646,657 3,109 SH SOLE 0 0 0 3,109
INVESCO QQQ TR UNIT SER 1 46090E103 308,010 416 SH SOLE 0 0 0 416
ISHARES TR S&P MC 400GR ETF 464287606 4,991,977 45,543 SH SOLE 0 0 0 45,543
ISHARES TR FALN ANGLS USD 46435G474 7,233,903 278,978 SH SOLE 0 0 0 278,978
ISHARES TR CORE 1 5 YR USD 46432F859 7,551,074 159,811 SH SOLE 0 0 0 159,811
ISHARES TR S&P SML 600 GWT 464287887 7,377,951 46,017 SH SOLE 0 0 0 46,017
ISHARES TR S&P MC 400VL ETF 464287705 9,953,482 72,279 SH SOLE 0 0 0 72,279
ISHARES TR TIPS BD ETF 464287176 21,329,066 205,008 SH SOLE 0 0 0 205,008
ISHARES TR 0-5 YR TIPS ETF 46429B747 265,891 2,667 SH SOLE 0 0 0 2,667
ISHARES TR 7-10 YR TRSY BD 464287440 585,057 6,551 SH SOLE 0 0 0 6,551
ISHARES TR SP SMCP600VL ETF 464287879 7,551,669 58,951 SH SOLE 0 0 0 58,951
ISHARES TR CORE MSCI TOTAL 46432F834 200,565 2,111 SH SOLE 0 0 0 2,111
ISHARES TR CORE S&P US GWT 464287671 5,361,378 27,672 SH SOLE 0 0 0 27,672
ISHARES TR CORE S&P US VLU 464287663 6,463,857 58,613 SH SOLE 0 0 0 58,613
ISHARES TR 1 3 YR TREAS BD 464287457 751,591 9,256 SH SOLE 0 0 0 9,256
ISHARES TR PFD AND INCM SEC 464288687 17,478,426 592,489 SH SOLE 0 0 0 592,489
ISHARES TR CONV BD ETF 46435G102 16,919,899 149,820 SH SOLE 0 0 0 149,820
ISHARES TR 3 7 YR TREAS BD 464288661 20,983,348 184,973 SH SOLE 0 0 0 184,973
ISHARES TR IBOXX INV CP ETF 464287242 7,039,145 68,890 SH SOLE 0 0 0 68,890
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 574,541 8,036 SH SOLE 0 0 0 8,036
JPMORGAN CHASE & CO COM 46625H100 1,314,928 3,975 SH SOLE 0 0 0 3,975
M & T BK CORP COM 55261F104 589,283 2,708 SH SOLE 0 0 0 2,708
MICROSOFT CORP COM 594918104 841,020 1,640 SH SOLE 0 0 0 1,640
RTX CORPORATION COM 75513E101 293,406 1,580 SH SOLE 0 0 0 1,580
SPDR GOLD TR GOLD SHS 78463V107 14,051,843 36,897 SH SOLE 0 0 0 36,897
TESLA INC COM 88160R101 209,338 590 SH SOLE 0 0 0 590
TORONTO DOMINION BK ONT COM NEW 891160509 475,526 4,046 SH SOLE 0 0 0 4,046
TRAVELERS COMPANIES INC COM 89417E109 236,938 665 SH SOLE 0 0 0 665
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 3,539,974 9,459 SH SOLE 0 0 0 9,459
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,871,199 2,670 SH SOLE 0 0 0 2,670
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 932,622 3,997 SH SOLE 0 0 0 3,997