13F HOLDINGS REPORT

SENTINEL PENSION ADVISORS INC

Quarter ended Q4 2025 · Filed January 12, 2026 · Accession 0001725547-26-000019

Total Value

$651.0M

Positions

131

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (131)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	BNY MELLON ETF TRUST	09661T107	965,595	$126.3M	19.40%
2	SPDR S&P 500 ETF TR	SPY	143,122	$97.6M	14.99%
3	J P MORGAN EXCHANGE TRADED F	46641Q670	1,207,732	$57.2M	8.78%
4	BNY MELLON ETF TRUST	09661T404	599,089	$55.5M	8.52%
5	WORLD GOLD TR	GLDW	398,731	$34.0M	5.23%
6	SPDR SERIES TRUST	78464A672	907,726	$26.2M	4.02%
7	FIDELITY COVINGTON TRUST	31609A305	427,214	$17.8M	2.74%
8	FIDELITY MERRIMACK STR TR	316188309	317,838	$14.6M	2.25%
9	SPDR SERIES TRUST	78464A805	148,331	$12.2M	1.88%
10	SPDR INDEX SHS FDS	78463X509	244,063	$11.4M	1.75%
11	ALPS ETF TR	00162Q346	386,669	$10.1M	1.55%
12	PIMCO ETF TR	72201R585	345,505	$9.2M	1.42%
13	SCHWAB STRATEGIC TR	808524854	326,375	$8.2M	1.26%
14	APPLE INC	AAPL	29,722	$8.1M	1.24%
15	DIMENSIONAL ETF TRUST	25434V666	217,650	$7.4M	1.14%
16	SPDR INDEX SHS FDS	78463X889	167,212	$7.4M	1.14%
17	SCHWAB STRATEGIC TR	808524201	261,273	$7.0M	1.08%
18	THORNBURG ETF TR	88521L306	220,063	$6.9M	1.06%
19	ISHARES INC	464286509	125,550	$6.8M	1.04%
20	VANECK ETF TRUST	92189H748	124,693	$6.6M	1.01%
21	ISHARES TR	464287622	15,837	$5.9M	0.91%
22	VANGUARD INDEX FDS	922908736	12,049	$5.9M	0.90%
23	PIMCO ETF TR	72201R833	47,263	$4.7M	0.73%
24	ISHARES TR	464287150	29,232	$4.3M	0.67%
25	ISHARES INC	464286103	148,500	$3.9M	0.60%
26	ISHARES TR	46435U549	77,505	$3.7M	0.57%
27	AMERICAN CENTY ETF TR	025072604	46,832	$3.6M	0.55%
28	EASTERN BANKSHARES INC	EBC	167,868	$3.1M	0.48%
29	SPDR SERIES TRUST	78464A649	114,515	$2.9M	0.45%
30	AMERICAN CENTY ETF TR	025072877	27,766	$2.8M	0.43%
31	FIRST TR EXCH TRADED FD III	33739N108	53,944	$2.8M	0.42%
32	SCHWAB STRATEGIC TR	808524508	81,679	$2.5M	0.38%
33	ISHARES TR	464287200	3,533	$2.4M	0.37%
34	WISDOMTREE TR	WT	26,710	$2.4M	0.37%
35	SPROTT ASSET MANAGEMENT LP	SII	70,515	$2.3M	0.36%
36	SPDR SERIES TRUST	78468R101	76,125	$2.2M	0.34%
37	BNY MELLON ETF TRUST	09661T602	52,497	$2.2M	0.34%
38	SPDR SERIES TRUST	78464A854	24,457	$2.0M	0.30%
39	VANGUARD INDEX FDS	922908629	6,731	$2.0M	0.30%
40	SELECT SECTOR SPDR TR	81369Y803	13,350	$1.9M	0.30%
41	MICROSOFT CORP	MSFT	3,861	$1.9M	0.29%
42	ISHARES TR	46435U259	69,031	$1.8M	0.27%
43	VANECK ETF TRUST	92189F643	16,360	$1.7M	0.26%
44	VANGUARD INDEX FDS	922908595	5,505	$1.7M	0.26%
45	SPDR SERIES TRUST	78468R812	8,770	$1.5M	0.23%
46	ISHARES TR	46435U283	59,009	$1.5M	0.23%
47	INVESCO EXCH TRD SLF IDX FD	IVZ	70,363	$1.4M	0.21%
48	ISHARES TR	46435U325	51,954	$1.3M	0.20%
49	SPDR GOLD TR	GLD	3,350	$1.3M	0.20%
50	INVESCO QQQ TR	IVZ	2,146	$1.3M	0.20%
51	ISHARES TR	46436E163	50,847	$1.3M	0.20%
52	VANGUARD WORLD FD	92204A801	6,202	$1.3M	0.20%
53	LISTED FDS TR	53656F599	48,837	$1.2M	0.19%
54	WISDOMTREE TR	WT	26,795	$1.1M	0.17%
55	VANGUARD INDEX FDS	922908553	12,099	$1.1M	0.16%
56	ISHARES TR	46436E718	10,327	$1.0M	0.16%
57	INVESCO EXCH TRD SLF IDX FD	IVZ	52,402	$1.0M	0.16%
58	SPDR SERIES TRUST	78468R663	10,939	$999,560	0.15%
59	FIDELITY COVINGTON TRUST	316092352	16,453	$902,297	0.14%
60	INVESCO EXCH TRD SLF IDX FD	IVZ	38,102	$900,921	0.14%
61	ISHARES GOLD TR	IAU	10,259	$832,723	0.13%
62	ALPHABET INC	GOOG	2,591	$811,108	0.12%
63	BNY MELLON ETF TRUST	09661T206	7,269	$791,806	0.12%
64	BLACKROCK ETF TRUST II	BLK	14,928	$787,737	0.12%
65	VANGUARD INDEX FDS	922908744	3,809	$727,489	0.11%
66	ELI LILLY & CO	LLY	675	$725,409	0.11%
67	META PLATFORMS INC	META	1,075	$709,345	0.11%
68	FORD MTR CO	345370860	52,367	$687,049	0.11%
69	AMAZON COM INC	AMZN	2,970	$685,513	0.11%
70	SSGA ACTIVE TR	78470P309	15,402	$667,132	0.10%
71	INVESCO EXCH TRD SLF IDX FD	IVZ	28,167	$666,579	0.10%
72	INVESCO EXCH TRD SLF IDX FD	IVZ	28,703	$664,470	0.10%
73	INVESCO EXCH TRD SLF IDX FD	IVZ	27,134	$637,646	0.10%
74	BNY MELLON ETF TRUST	09661T305	5,611	$631,284	0.10%
75	SPDR SERIES TRUST	78464A763	4,374	$608,645	0.09%
76	VANGUARD WORLD FD	921910840	4,152	$586,096	0.09%
77	PROFESIONALLY MANAGED PORTFO	74316P579	8,869	$581,008	0.09%
78	MCDONALDS CORP	MCD	1,876	$573,362	0.09%
79	FIRST MERCHANTS CORP	FRMEP	15,228	$570,745	0.09%
80	MATTHEWS ASIA FDS	577125826	15,903	$561,439	0.09%
81	NVIDIA CORPORATION	NVDA	3,002	$559,893	0.09%
82	NEXTERA ENERGY INC	NEE-PW	6,950	$557,946	0.09%
83	VANGUARD SCOTTSDALE FDS	92206C664	5,373	$534,693	0.08%
84	NAPCO SEC TECHNOLOGIES INC	630402105	12,546	$523,168	0.08%
85	PUTNAM ETF TRUST	746729300	10,852	$494,526	0.08%
86	DELL TECHNOLOGIES INC	DELL	3,799	$478,224	0.07%
87	EVERSOURCE ENERGY	ES	7,088	$477,235	0.07%
88	VANGUARD INTL EQUITY INDEX F	922042676	10,085	$462,296	0.07%
89	SCHWAB STRATEGIC TR	808524409	15,603	$462,016	0.07%
90	SCHWAB STRATEGIC TR	808524300	14,028	$457,598	0.07%
91	SCHWAB STRATEGIC TR	808524797	16,532	$453,459	0.07%
92	ALPHABET INC	GOOG	1,376	$431,749	0.07%
93	VANECK ETF TRUST	92189F130	11,687	$408,239	0.06%
94	RBB FUND TRUST	75526L878	8,423	$407,336	0.06%
95	BANK AMERICA CORP	060505104	7,248	$398,627	0.06%
96	TESLA INC	TSLA	884	$397,552	0.06%
97	SPDR SERIES TRUST	78464A847	6,814	$394,573	0.06%
98	ISHARES TR	46432F842	4,397	$393,356	0.06%
99	CAMBRIA ETF TR	132061201	5,603	$389,521	0.06%
100	JPMORGAN CHASE & CO.	VYLD	1,176	$378,931	0.06%
101	J P MORGAN EXCHANGE TRADED F	46641Q332	6,561	$375,543	0.06%
102	ISHARES TR	464287226	3,677	$367,298	0.06%
103	ABBVIE INC	ABBV	1,599	$365,266	0.06%
104	VANGUARD INDEX FDS	922908751	1,385	$357,273	0.05%
105	ISHARES TR	46434V266	8,377	$347,499	0.05%
106	SCHWAB STRATEGIC TR	808524607	11,722	$333,839	0.05%
107	SCHWAB STRATEGIC TR	808524805	12,408	$298,288	0.05%
108	SCHWAB STRATEGIC TR	808524102	11,276	$295,769	0.05%
109	ISHARES TR	464288760	1,341	$287,954	0.04%
110	BLACKROCK ETF TRUST	BLK	4,663	$283,544	0.04%
111	FIDELITY WISE ORIGIN BITCOIN	FBTC	3,696	$281,746	0.04%
112	SPDR SERIES TRUST	78468R853	5,977	$280,102	0.04%
113	VANGUARD INDEX FDS	922908652	1,243	$260,007	0.04%
114	VANGUARD WHITEHALL FDS	921946406	1,791	$257,044	0.04%
115	PACER FDS TR	69374H881	4,168	$250,797	0.04%
116	INVESCO EXCH TRADED FD TR II	IVZ	3,805	$249,399	0.04%
117	WALMART INC	WMT	2,232	$248,661	0.04%
118	FIRST TR EXCHANGE-TRADED FD	33739Q705	4,995	$245,489	0.04%
119	ISHARES TR	46436E338	10,809	$245,034	0.04%
120	BONDBLOXX ETF TRUST	09789C671	4,768	$238,972	0.04%
121	VANGUARD INDEX FDS	922908637	746	$234,841	0.04%
122	VANGUARD INTL EQUITY INDEX F	922042775	3,166	$232,891	0.04%
123	SCHWAB STRATEGIC TR	808524862	9,385	$228,717	0.04%
124	PROCTER AND GAMBLE CO	742718109	1,470	$210,652	0.03%
125	SPDR INDEX SHS FDS	78463X426	3,140	$207,713	0.03%
126	ORACLE CORP	ORCL-PD	1,060	$206,605	0.03%
127	INVESCO EXCH TRD SLF IDX FD	IVZ	9,925	$204,449	0.03%
128	ISHARES TR	46435UAA9	8,381	$203,498	0.03%
129	VANGUARD INDEX FDS	922908769	599	$200,943	0.03%
130	INVESCO EXCH TRD SLF IDX FD	IVZ	10,963	$185,487	0.03%
131	BNY MELLON HIGH YIELD STRATE	DHF	13,344	$33,092	0.01%