McNamara Financial Services 13F-HR Quarterly holdings report by institutional manager

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

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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
APPLE INC	COM	037833100	788	6,802	SH		SOLE	NONE	0	0	6,802
EXXON MOBIL CORP	COM	30231G102	244	7,099	SH		SOLE	NONE	0	0	7,099
FIRST TR EXCH TRADED FD III	ULTRA SHT DUR MU	33740J104	278	13,822	SH		SOLE	NONE	0	0	13,822
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	1,330	11,691	SH		SOLE	NONE	0	0	11,691
ISHARES INC	CORE MSCI EMKT	46434G103	883	16,717	SH		SOLE	NONE	0	0	16,717
ISHARES TR	NATIONAL MUN ETF	464288414	576	4,970	SH		SOLE	NONE	0	0	4,970
ISHARES TR	TIPS BD ETF	464287176	662	5,230	SH		SOLE	NONE	0	0	5,230
ISHARES TR	RUS 2000 VAL ETF	464287630	288	2,895	SH		SOLE	NONE	0	0	2,895
ISHARES TR	RUS 1000 VAL ETF	464287598	315	2,666	SH		SOLE	NONE	0	0	2,666
ISHARES TR	RUS 1000 GRW ETF	464287614	395	1,823	SH		SOLE	NONE	0	0	1,823
ISHARES TR	CORE MSCI EAFE	46432F842	340	5,637	SH		SOLE	NONE	0	0	5,637
ISHARES TR	RUS 1000 ETF	464287622	291	1,557	SH		SOLE	NONE	0	0	1,557
ISHARES TR	CORE S&P500 ETF	464287200	75,440	224,483	SH		SOLE	NONE	0	0	224,483
ISHARES TR	MSCI USA ESG SLC	464288802	298	2,023	SH		SOLE	NONE	0	0	2,023
ISHARES TR	0-5YR HI YL CP	46434V407	358	8,142	SH		SOLE	NONE	0	0	8,142
KOPIN CORP	COM	500600101	43	31,016	SH		SOLE	NONE	0	0	31,016
NUSHARES ETF TR	NUVEEN ENHNC YLD	67092P102	213	8,306	SH		SOLE	NONE	0	0	8,306
NUSHARES ETF TR	NUVEEN ESG EMRGN	67092P888	209	7,372	SH		SOLE	NONE	0	0	7,372
PEPSICO INC	COM	713448108	1,123	8,104	SH		SOLE	NONE	0	0	8,104
PROCTER AND GAMBLE CO	COM	742718109	317	2,280	SH		SOLE	NONE	0	0	2,280
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	53,739	1,469,897	SH		SOLE	NONE	0	0	1,469,897
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	38,264	1,307,732	SH		SOLE	NONE	0	0	1,307,732
SPDR SER TR	BLOMBRG BRC EMRG	78464A391	343	13,034	SH		SOLE	NONE	0	0	13,034
SPDR SER TR	PORTFOLIO S&P500	78464A854	5,254	133,531	SH		SOLE	NONE	0	0	133,531
SPDR SER TR	SPDR BLOOMBERG	78468R663	12,040	131,556	SH		SOLE	NONE	0	0	131,556
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	31,378	1,018,443	SH		SOLE	NONE	0	0	1,018,443
SPDR SER TR	PORTFOLIO S&P600	78468R853	12,135	443,200	SH		SOLE	NONE	0	0	443,200
SPDR SER TR	NUVEEN BLMBRG SR	78468R739	475	9,532	SH		SOLE	NONE	0	0	9,532
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	28,441	576,785	SH		SOLE	NONE	0	0	576,785
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	203	2,440	SH		SOLE	NONE	0	0	2,440
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	219	2,488	SH		SOLE	NONE	0	0	2,488
VANGUARD INDEX FDS	GROWTH ETF	922908736	493	2,167	SH		SOLE	NONE	0	0	2,167
VANGUARD INDEX FDS	VALUE ETF	922908744	296	2,834	SH		SOLE	NONE	0	0	2,834
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	611	2,841	SH		SOLE	NONE	0	0	2,841
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	396	5,010	SH		SOLE	NONE	0	0	5,010
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,910	12,417	SH		SOLE	NONE	0	0	12,417
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	520	5,131	SH		SOLE	NONE	0	0	5,131
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	846	4,694	SH		SOLE	NONE	0	0	4,694
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,229	11,111	SH		SOLE	NONE	0	0	11,111
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	5,335	123,373	SH		SOLE	NONE	0	0	123,373
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	2,764	50,770	SH		SOLE	NONE	0	0	50,770
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	5,925	46,050	SH		SOLE	NONE	0	0	46,050
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	3,069	75,041	SH		SOLE	NONE	0	0	75,041
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	502	6,208	SH		SOLE	NONE	0	0	6,208
VANGUARD WHITEHALL FDS	INTL HIGH ETF	921946794	204	3,926	SH		SOLE	NONE	0	0	3,926
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	3,797	107,758	SH		SOLE	NONE	0	0	107,758
WISDOMTREE TR	YIELD ENHANCD US	97717X511	233	4,324	SH		SOLE	NONE	0	0	4,324
WISDOMTREE TR	INTL EQUITY FD	97717W703	264	5,798	SH		SOLE	NONE	0	0	5,798