McNamara Financial Services, Inc. Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	221,064	$82,985	25.3%	$286.89	—	CORE S&P500 ETF	464287200
SPEM	SPDR INDEX SHS FDS	1,452,592	$61,241	18.7%	$34.04	—	PORTFOLIO EMG MK	78463X509
SPDW	SPDR INDEX SHS FDS	1,324,860	$44,714	13.6%	$29.59	—	PORTFOLIO DEVLPD	78463X889
SPAB	SPDR SER TR	1,040,072	$32,024	9.8%	$29.05	—	PORTFOLIO AGRGTE	78464A649
TOTL	SSGA ACTIVE ETF TR	601,050	$29,620	9.0%	$47.43	—	SPDR TR TACTIC	78467V848
SPSM	SPDR SER TR	410,342	$14,690	4.5%	$31.53	—	PORTFOLIO S&P600	78468R853
BIL	SPDR SER TR	137,774	$12,609	3.8%	$91.57	—	SPDR BLOOMBERG	78468R663
VIG	VANGUARD SPECIALIZED FUNDS	44,113	$6,227	1.9%	$110.54	—	DIV APP ETF	921908844
VWO	VANGUARD INTL EQUITY INDEX F	119,883	$6,007	1.8%	$40.91	—	FTSE EMR MKT ETF	922042858
SPYM	SPDR SER TR	134,301	$5,904	1.8%	$33.32	—	PORTFOLIO S&P500	78464A854
DEM	WISDOMTREE TR	100,716	$4,143	1.3%	$43.17	—	EMER MKT HIGH FD	97717W315
VEA	VANGUARD TAX-MANAGED INTL FD	72,798	$3,437	1.0%	$42.83	—	FTSE DEV MKT ETF	921943858
VTEB	VANGUARD MUN BD FDS	50,146	$2,768	0.8%	$50.69	—	TAX EXEMPT BD	922907746
VB	VANGUARD INDEX FDS	13,602	$2,648	0.8%	$157.16	—	SMALL CP ETF	922908751
PRF	INVESCO EXCHANGE TRADED FD T	11,184	$1,490	0.5%	$118.36	—	FTSE RAFI 1000	46137V613
VBR	VANGUARD INDEX FDS	10,462	$1,488	0.5%	$109.51	—	SM CP VAL ETF	922908611
PEP	PEPSICO INC	8,111	$1,203	0.4%	$112.76	+4.6%	COM	713448108
IEMG	ISHARES INC	16,200	$1,005	0.3%	$51.40	—	CORE MSCI EMKT	46434G103
VOT	VANGUARD INDEX FDS	4,327	$918	0.3%	$142.48	—	MCAP GR IDXVIP	922908538
AAPL	APPLE INC	6,804	$903	0.3%	$102.94	+21.5%	COM	037833100
MUB	ISHARES TR	7,291	$855	0.3%	$113.05	—	NATIONAL MUN ETF	464288414
TIP	ISHARES TR	5,709	$729	0.2%	$123.34	—	TIPS BD ETF	464287176
VBK	VANGUARD INDEX FDS	2,489	$666	0.2%	$187.44	—	SML CP GRW ETF	922908595
VUG	VANGUARD INDEX FDS	2,423	$614	0.2%	$170.82	—	GROWTH ETF	922908736
VOE	VANGUARD INDEX FDS	4,948	$589	0.2%	$82.52	—	MCAP VL IDXVIP	922908512
VYM	VANGUARD WHITEHALL FDS	6,094	$558	0.2%	$78.59	—	HIGH DIV YLD	921946406
VTV	VANGUARD INDEX FDS	4,141	$493	0.2%	$112.84	—	VALUE ETF	922908744
SHM	SPDR SER TR	9,616	$479	0.1%	$47.72	—	NUVEEN BLMBRG SR	78468R739
VNQ	VANGUARD INDEX FDS	5,179	$440	0.1%	$80.46	—	REAL ESTATE ETF	922908553
SHYG	ISHARES TR	9,313	$423	0.1%	$43.20	—	0-5YR HI YL CP	46434V407
IEFA	ISHARES TR	5,795	$400	0.1%	$62.46	—	CORE MSCI EAFE	46432F842
EBND	SPDR SER TR	14,273	$400	0.1%	$26.36	—	BLOMBRG BRC EMRG	78464A391
IWF	ISHARES TR	1,655	$399	0.1%	$156.05	—	RUS 1000 GRW ETF	464287614
IWN	ISHARES TR	2,857	$376	0.1%	$119.84	—	RUS 2000 VAL ETF	464287630
IWD	ISHARES TR	2,631	$360	0.1%	$126.12	—	RUS 1000 VAL ETF	464287598
IWB	ISHARES TR	1,528	$324	0.1%	$161.22	—	RUS 1000 ETF	464287622
SUSA	ISHARES TR	3,930	$324	0.1%	$108.39	—	MSCI USA ESG SLC	464288802
PG	PROCTER AND GAMBLE CO	2,250	$313	0.1%	$68.47	+69.0%	COM	742718109
DWM	WISDOMTREE TR	5,693	$288	0.1%	$44.25	—	INTL EQUITY FD	97717W703
FUMB	FIRST TR EXCH TRADED FD III	13,822	$279	0.1%	$20.11	—	ULTRA SHT DUR MU	33740J104
RWO	SPDR INDEX SHS FDS	5,870	$261	0.1%	$44.46	—	DJ GLB RL ES ETF	78463X749
XOM	EXXON MOBIL CORP	6,299	$260	0.1%	$54.30	-20.2%	COM	30231G102
NUEM	NUSHARES ETF TR	7,467	$250	0.1%	$28.42	—	NUVEEN ESG EMRGN	67092P888
AGGY	WISDOMTREE TR	4,593	$247	0.1%	$51.88	—	YIELD ENHANCD US	97717X511
SUB	ISHARES TR	2,256	$244	0.1%	$108.16	—	SHRT NAT MUN ETF	464288158
BSV	VANGUARD BD INDEX FDS	2,889	$239	0.1%	$83.12	—	SHORT TRM BOND	921937827
VYMI	VANGUARD WHITEHALL FDS	3,926	$239	0.1%	$51.96	—	INTL HIGH ETF	921946794
PXF	INVESCO EXCH TRADED FD TR II	5,278	$224	0.1%	$42.44	—	FTSE RAFI DEV	46138E743
BND	VANGUARD BD INDEX FDS	2,489	$220	0.1%	$78.76	—	TOTAL BND MRKT	921937835
NUAG	NUSHARES ETF TR	8,306	$213	0.1%	$24.94	—	NUVEEN ENHNC YLD	67092P102
—	TRUSTCO BK CORP N Y	11,405	$76	0.0%	$6.66	—	COM	898349105