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
ABBVIE INC COM 00287Y109 276,100 1,055 SH SOLE 0 0 1,055
ADVANCED MICRO DEVICES INC COM 007903107 819,758 1,340 SH SOLE 0 0 1,340
ALPHABET INC CAP STK CL A 02079K305 316,589 920 SH SOLE 0 0 920
ALPHABET INC CAP STK CL C 02079K107 274,611 806 SH SOLE 0 0 806
AMAZON COM INC COM 023135106 340,032 1,365 SH SOLE 0 0 1,365
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 8,420,211 89,558 SH SOLE 9,354 0 80,204
AMERICAN CENTY ETF TR INTERNATIONAL LR 025072364 7,811,642 98,099 SH SOLE 10,421 0 87,678
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 8,881,983 81,203 SH SOLE 7,889 0 73,314
AMERICAN CENTY ETF TR US SML CP VALU 025072877 25,876,383 219,720 SH SOLE 8,703 0 211,017
AMERICAN EXPRESS CO COM 025816109 288,277 948 SH SOLE 81 0 867
ANALOG DEVICES INC COM 032654105 1,923,824 4,849 SH SOLE 0 0 4,849
APPLE INC COM 037833100 2,444,396 7,340 SH SOLE 0 0 7,340
AT&T INC COM 00206R102 302,147 12,383 SH SOLE 0 0 12,383
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 673,726 1,353 SH SOLE 40 0 1,313
BITWISE BITCOIN ETF TR SHS BEN INT 09174C104 204,574 4,510 SH SOLE 0 0 4,510
BNY MELLON ETF TRUST CONCE INTL ETF 09661T834 54,710,496 1,059,152 SH SOLE 26,697 0 1,032,455
BROADCOM INC COM 11135F101 299,121 852 SH SOLE 20 0 832
CATERPILLAR INC COM 149123101 3,955,455 4,879 SH SOLE 0 0 4,879
CGI INC CL A SUB VTG 12532H104 426,888 6,275 SH SOLE 0 0 6,275
CHEVRON CORPORATION COM 166764100 386,914 1,895 SH SOLE 0 0 1,895
COCA COLA CO COM 191216100 233,243 2,710 SH SOLE 0 0 2,710
COSTCO WHOLESALE CORPORATION COM 22160K105 490,721 539 SH SOLE 0 0 539
CSX CORP COM 126408103 415,685 8,938 SH SOLE 0 0 8,938
DELL TECHNOLOGIES INC CL C 24703L202 271,652 505 SH SOLE 0 0 505
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 522,842 11,762 SH SOLE 0 0 11,762
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,218,522 113,953 SH SOLE 0 0 113,953
EASTERN BANKSHARES INC COM 27627N105 1,034,340 49,419 SH SOLE 0 0 49,419
ECOLAB INC COM 278865100 321,156 1,170 SH SOLE 61 0 1,109
ELI LILLY & CO COM 532457108 297,699 257 SH SOLE 0 0 257
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 662,618 4,071 SH SOLE 0 0 4,071
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A107 360,315 8,710 SH SOLE 0 0 8,710
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840 208,304 3,430 SH SOLE 0 0 3,430
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 50,185,002 1,159,007 SH SOLE 21,060 0 1,137,947
FIDELITY SECS FD REAL EST INC FD 31638A748 524,974 21,853 SH SOLE 0 0 21,853
FRANKLIN TEMPLETON ETF TR US MID CP MLTFCT 35473P884 55,236,920 961,646 SH SOLE 36,390 0 925,256
GE AEROSPACE COM NEW 369604301 957,480 3,066 SH SOLE 0 0 3,066
GE VERNOVA INC COM 36828A101 700,310 737 SH SOLE 0 0 737
HOME DEPOT INC COM 437076102 251,776 885 SH SOLE 103 0 782
INTUIT COM 461202103 369,917 1,342 SH SOLE 0 0 1,342
INVESCO EXCHANGE TRADED FD T S&P MIDCAP 400 46137V225 245,254 1,811 SH SOLE 0 0 1,811
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 300,006 1,442 SH SOLE 0 0 1,442
INVESCO QQQ TR UNIT SER 1 46090E103 1,340,267 1,812 SH SOLE 0 0 1,812
ISHARES TR CORE 60 BALA ETF 464289867 2,022,082 29,511 SH SOLE 0 0 29,511
ISHARES TR CORE HIGH DV ETF 46429B663 283,654 10,145 SH SOLE 0 0 10,145
ISHARES TR CORE MSCI EAFE 46432F842 950,998 9,816 SH SOLE 0 0 9,816
ISHARES TR CORE MSCI TOTAL 46432F834 208,623 2,196 SH SOLE 0 0 2,196
ISHARES TR CORE S&P MCP ETF 464287507 24,081,853 334,703 SH SOLE 0 0 334,703
ISHARES TR CORE S&P SCP ETF 464287804 21,232,916 156,078 SH SOLE 0 0 156,078
ISHARES TR CORE S&P TTL STK 464287150 590,924 3,554 SH SOLE 0 0 3,554
ISHARES TR CORE S&P500 ETF 464287200 24,034,836 31,383 SH SOLE 1,878 0 29,505
ISHARES TR EAFE GRWTH ETF 464288885 4,554,326 38,007 SH SOLE 0 0 38,007
ISHARES TR EAFE SML CP ETF 464288273 746,885 8,847 SH SOLE 0 0 8,847
ISHARES TR EAFE VALUE ETF 464288877 5,074,259 64,118 SH SOLE 0 0 64,118
ISHARES TR ESG AW MSCI EAFE 46435G516 393,934 3,823 SH SOLE 0 0 3,823
ISHARES TR ESG AWARE MSCI 46435U663 316,113 6,079 SH SOLE 57 0 6,022
ISHARES TR ESG OPTIMIZED 464288802 600,709 3,859 SH SOLE 0 0 3,859
ISHARES TR GLOBAL REIT ETF 46434V647 617,968 23,971 SH SOLE 0 0 23,971
ISHARES TR MSCI INTL QUALTY 46434V456 44,630,473 902,172 SH SOLE 30,054 0 872,118
ISHARES TR MSCI USA MIN ETF 46429B697 393,738 4,041 SH SOLE 0 0 4,041
ISHARES TR NATIONAL MUN ETF 464288414 7,739,122 76,549 SH SOLE 0 0 76,549
ISHARES TR RUS 1000 ETF 464287622 927,321 2,228 SH SOLE 0 0 2,228
ISHARES TR RUS 1000 GRW ETF 464287614 926,641 7,398 SH SOLE 0 0 7,398
ISHARES TR RUS 1000 VAL ETF 464287598 526,540 2,124 SH SOLE 0 0 2,124
ISHARES TR S&P 500 GRWT ETF 464287309 364,167 2,560 SH SOLE 0 0 2,560
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670 50,752,416 1,133,372 SH SOLE 19,352 0 1,114,020
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 14,983,576 314,913 SH SOLE 539 0 314,374
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654 242,725 4,801 SH SOLE 0 0 4,801
JOHNSON & JOHNSON COM 478160104 356,354 1,346 SH SOLE 0 0 1,346
JPMORGAN CHASE & CO COM 46625H100 1,348,140 4,075 SH SOLE 112 0 3,963
KEYSIGHT TECHNOLOGIES INC COM 49338L103 782,322 2,149 SH SOLE 0 0 2,149
LOCKHEED MARTIN CORP COM 539830109 227,796 447 SH SOLE 191 0 256
MARATHON PETE CORP COM 56585A102 288,899 731 SH SOLE 0 0 731
MASTERCARD INCORPORATED CL A 57636Q104 243,754 442 SH SOLE 0 0 442
MICROSOFT CORP COM 594918104 1,514,075 2,952 SH SOLE 178 0 2,774
NOMURA ETF TR NATIONAL HIGH YL 555927870 17,129,880 744,777 SH SOLE 315 0 744,462
NVIDIA CORPORATION COM 67066G104 260,833 1,142 SH SOLE 0 0 1,142
ORACLE CORP COM 68389X105 218,432 1,591 SH SOLE 308 0 1,283
PIMCO ETF TR MUNI INCOME OPP 72201R635 206,802 4,856 SH SOLE 0 0 4,856
PROSHARES TR PSHS ULT SEMICDT 74347R669 770,240 8,000 SH SOLE 0 0 8,000
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 47,049,023 894,128 SH SOLE 33,996 0 860,132
RTX CORPORATION COM 75513E101 573,632 3,090 SH SOLE 0 0 3,090
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 2,043,273 64,928 SH SOLE 0 0 64,928
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 230,625 7,090 SH SOLE 0 0 7,090
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 25,885,653 720,447 SH SOLE 0 0 720,447
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 10,804,526 324,363 SH SOLE 0 0 324,363
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 8,224,273 274,142 SH SOLE 0 0 274,142
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,998,341 470,263 SH SOLE 684 0 469,579
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,943,262 90,201 SH SOLE 0 0 90,201
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 437,192 2,233 SH SOLE 0 0 2,233
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 664,689 4,406 SH SOLE 0 0 4,406
SPDR SERIES TRUST ST NUVE HIGH ETF 78464A284 2,689,070 114,575 SH SOLE 0 0 114,575
SPDR SERIES TRUST ST STR P500ETF 78464A854 6,388,718 71,176 SH SOLE 3,088 0 68,088
SPDR SERIES TRUST ST STR P500GRW 78464A409 25,358,913 206,036 SH SOLE 5,099 0 200,937
SPDR SERIES TRUST ST STR P500VAL 78464A508 31,241,918 511,073 SH SOLE 9,912 0 501,161
SPDR SERIES TRUST ST STR SP DIV 78464A763 316,745 2,162 SH SOLE 0 0 2,162
SPRINKLR INC CL A 85208T107 53,831 10,875 SH SOLE 0 0 10,875
SSGA ACTIVE ETF TR ST STR REAL ETF 78467V103 10,499,979 290,135 SH SOLE 0 0 290,135
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 307,788 605 SH SOLE 0 0 605
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 814,853 1,068 SH SOLE 0 0 1,068
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 499,637 761 SH SOLE 0 0 761
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 8,892,273 210,368 SH SOLE 25,540 0 184,828
T ROWE PRICE EXCHANGE-TRADED PRICE BLUE CHIP 87283Q107 30,331,823 589,998 SH SOLE 30,848 0 559,150
TAPESTRY INC COM 876030107 63,655,649 553,335 SH SOLE 0 0 553,335
TESLA INC COM 88160R101 215,015 606 SH SOLE 0 0 606
TEXAS INSTRS INC COM 882508104 427,818 1,527 SH SOLE 0 0 1,527
TORONTO DOMINION BK ONT COM NEW 891160509 385,146 3,277 SH SOLE 0 0 3,277
UNITEDHEALTH GROUP INC COM 91324P102 831,181 2,264 SH SOLE 0 0 2,264
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 53,491,551 506,022 SH SOLE 16,083 0 489,939
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 213,794 351 SH SOLE 0 0 351
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 2,605,370 28,913 SH SOLE 2,300 0 26,613
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 1,825,209 23,275 SH SOLE 1,140 0 22,135
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 1,031,479 3,626 SH SOLE 206 0 3,420
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1,962,279 5,243 SH SOLE 214 0 5,029
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 854,117 3,953 SH SOLE 855 0 3,098
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 765,559 1,092 SH SOLE 0 0 1,092
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 15,826,257 213,839 SH SOLE 10,620 0 203,219
VANGUARD MUN BD FDS SHORT TAX EXEMPT 922907696 1,890,905 25,422 SH SOLE 236 0 25,186
VANGUARD STAR FDS VG TL INTL STK F 921909768 468,482 5,514 SH SOLE 0 0 5,514
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 583,373 8,262 SH SOLE 674 0 7,588
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 227,597 1,466 SH SOLE 0 0 1,466
VISA INC COM CL A 92826C839 1,149,224 3,198 SH SOLE 0 0 3,198