# EDGAR Filing Document

**Accession Number:** 0001622431
**File Stem:** 0001951757-25-001442
**Filing Date:** 2025-11
**Character Count:** 13408
**Document Hash:** 3348dbbb8c604da7cee0d46a0ae12dcd
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-25-001442.hdr.sgml**: 20251114

**ACCESSION NUMBER**: 0001951757-25-001442

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251114

**DATE AS OF CHANGE**: 20251114

**EFFECTIVENESS DATE**: 20251114

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** McNamara Financial Services, Inc.
- **CENTRAL INDEX KEY:** 0001622431

**ORGANIZATION NAME:**
- **EIN:** 203816826
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-16829
- **FILM NUMBER:** 251486504

**BUSINESS ADDRESS:**
- **STREET 1:** 1020 PLAIN STREET
- **STREET 2:** SUITE 200
- **CITY:** MARSHFIELD
- **STATE:** MA
- **ZIP:** 02050
- **BUSINESS PHONE:** 781-834-2010

**MAIL ADDRESS:**
- **STREET 1:** 1020 PLAIN STREET
- **STREET 2:** SUITE 200
- **CITY:** MARSHFIELD
- **STATE:** MA
- **ZIP:** 02050

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** McNamara Financial Services Inc.<br>**Address:** 1020 PLAIN STREET<br>SUITE 200<br>MARSHFIELD, MA 02050

**Form 13F File Number:** 028-16829

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Alyssa Reed<br>**Title:** Chief Compliance Officer<br>**Phone:** (781) 834-2010

**Signature, Place, and Date of Signing:**

Alyssa Reed  Marshfield, MA  11-14-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 95

**Form 13F Information Table Value Total:** $538057348

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

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|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 7307397 | 143170 | SH |  | SOLE |  | 0 | 0 | 143170 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 366321 | 460 | SH |  | SOLE |  | 0 | 0 | 460 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 730289 | 20462 | SH |  | SOLE |  | 0 | 0 | 20462 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 1945904 | 43041 | SH |  | SOLE |  | 0 | 0 | 43041 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 645937 | 1379 | SH |  | SOLE |  | 0 | 0 | 1379 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 279068 | 6354 | SH |  | SOLE |  | 0 | 0 | 6354 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 273146 | 3099 | SH |  | SOLE |  | 0 | 0 | 3099 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 636925 | 5649 | SH |  | SOLE |  | 0 | 0 | 5649 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 259868 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| MICROSOFT CORP | COM | 594918104 |  | 380175 | 734 | SH |  | SOLE |  | 0 | 0 | 734 |
| SPDR SERIES TRUST | BLOOMBERG EMG MK | 78468R515 |  | 1012477 | 40189 | SH |  | SOLE |  | 0 | 0 | 40189 |
| GLOBE LIFE INC | COM | 37959E102 |  | 321825 | 2251 | SH |  | SOLE |  | 0 | 0 | 2251 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 257902 | 915 | SH |  | SOLE |  | 0 | 0 | 915 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 262730 | 6251 | SH |  | SOLE |  | 0 | 0 | 6251 |
| CISCO SYS INC | COM | 17275R102 |  | 239470 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 391757 | 2888 | SH |  | SOLE |  | 0 | 0 | 2888 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 2422931 | 17190 | SH |  | SOLE |  | 0 | 0 | 17190 |
| ANALOG DEVICES INC | COM | 032654105 |  | 312530 | 1272 | SH |  | SOLE |  | 0 | 0 | 1272 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 780952 | 7756 | SH |  | SOLE |  | 0 | 0 | 7756 |
| DESTINATION XL GROUP INC | COM | 25065K104 |  | 18166 | 13867 | SH |  | SOLE |  | 0 | 0 | 13867 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 254336 | 1600 | SH |  | SOLE |  | 0 | 0 | 1600 |
| NUSHARES ETF TR | NUVEEN ENHNC YLD | 67092P102 |  | 509725 | 23922 | SH |  | SOLE |  | 0 | 0 | 23922 |
| BROADCOM INC | COM | 11135F101 |  | 774629 | 2348 | SH |  | SOLE |  | 0 | 0 | 2348 |
| ISHARES TR | CORE S ETF | 464287200 |  | 154807158 | 231297 | SH |  | SOLE |  | 0 | 0 | 231297 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5572043 | 102843 | SH |  | SOLE |  | 0 | 0 | 102843 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 92990922 | 2173193 | SH |  | SOLE |  | 0 | 0 | 2173193 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 |  | 1490034 | 28958 | SH |  | SOLE |  | 0 | 0 | 28958 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 6896291 | 137733 | SH |  | SOLE |  | 0 | 0 | 137733 |
| SPDR SERIES TRUST | PORTFOLIO S | 78468R853 |  | 20858574 | 450315 | SH |  | SOLE |  | 0 | 0 | 450315 |
| WISDOMTREE TR | YIELD ENHANCD US | 97717X511 |  | 565107 | 12765 | SH |  | SOLE |  | 0 | 0 | 12765 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 501990 | 11383 | SH |  | SOLE |  | 0 | 0 | 11383 |
| WISDOMTREE TR | US SMALLCAP DIVD | 97717W604 |  | 472867 | 14040 | SH |  | SOLE |  | 0 | 0 | 14040 |
| SPDR SERIES TRUST | BLOOMBERG 1-3 MO | 78468R663 |  | 29398429 | 320419 | SH |  | SOLE |  | 0 | 0 | 320419 |
| SPDR SERIES TRUST | BLOOMBERG 1 10 Y | 78468R861 |  | 1297021 | 67238 | SH |  | SOLE |  | 0 | 0 | 67238 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 |  | 604829 | 11337 | SH |  | SOLE |  | 0 | 0 | 11337 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 7165139 | 28178 | SH |  | SOLE |  | 0 | 0 | 28178 |
| CAPITAL GROUP CORE BALANCED | SHS | 14021D107 |  | 514863 | 14829 | SH |  | SOLE |  | 0 | 0 | 14829 |
| SPDR SERIES TRUST | BLOOMBERG EMERGI | 78464A391 |  | 979441 | 45854 | SH |  | SOLE |  | 0 | 0 | 45854 |
| AMAZON COM INC | COM | 023135106 |  | 606891 | 2764 | SH |  | SOLE |  | 0 | 0 | 2764 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 1013067 | 15143 | SH |  | SOLE |  | 0 | 0 | 15143 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 6173337 | 51951 | SH |  | SOLE |  | 0 | 0 | 51951 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2802058 | 15018 | SH |  | SOLE |  | 0 | 0 | 15018 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 320693 | 4843 | SH |  | SOLE |  | 0 | 0 | 4843 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 205925 | 2576 | SH |  | SOLE |  | 0 | 0 | 2576 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 277724 | 2009 | SH |  | SOLE |  | 0 | 0 | 2009 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 417967 | 12232 | SH |  | SOLE |  | 0 | 0 | 12232 |
| SSGA ACTIVE ETF TR | SPDR TR TACTIC | 78467V848 |  | 20268671 | 499598 | SH |  | SOLE |  | 0 | 0 | 499598 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 7821342 | 36245 | SH |  | SOLE |  | 0 | 0 | 36245 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 319276 | 1568 | SH |  | SOLE |  | 0 | 0 | 1568 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 1158592 | 13682 | SH |  | SOLE |  | 0 | 0 | 13682 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 685842 | 1430 | SH |  | SOLE |  | 0 | 0 | 1430 |
| TEXAS INSTRS INC | COM | 882508104 |  | 332000 | 1807 | SH |  | SOLE |  | 0 | 0 | 1807 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 286602 | 3135 | SH |  | SOLE |  | 0 | 0 | 3135 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 356382 | 1911 | SH |  | SOLE |  | 0 | 0 | 1911 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 256094 | 5051 | SH |  | SOLE |  | 0 | 0 | 5051 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 246730 | 3604 | SH |  | SOLE |  | 0 | 0 | 3604 |
| GE VERNOVA INC | COM | 36828A101 |  | 501758 | 816 | SH |  | SOLE |  | 0 | 0 | 816 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 232343 | 3798 | SH |  | SOLE |  | 0 | 0 | 3798 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 742562 | 2495 | SH |  | SOLE |  | 0 | 0 | 2495 |
| NUSHARES ETF TR | NUVEEN ESG INTL | 67092P805 |  | 1390962 | 36974 | SH |  | SOLE |  | 0 | 0 | 36974 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 968332 | 3296 | SH |  | SOLE |  | 0 | 0 | 3296 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1884104 | 59567 | SH |  | SOLE |  | 0 | 0 | 59567 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 4998051 | 46807 | SH |  | SOLE |  | 0 | 0 | 46807 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 419976 | 2265 | SH |  | SOLE |  | 0 | 0 | 2265 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 205618 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 687953 | 2181 | SH |  | SOLE |  | 0 | 0 | 2181 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 |  | 425637 | 9255 | SH |  | SOLE |  | 0 | 0 | 9255 |
| J P MORGAN EXCHANGE TRADED F | SUSTAINABLE MUNI | 46654Q815 |  | 581497 | 11579 | SH |  | SOLE |  | 0 | 0 | 11579 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1011958 | 3364 | SH |  | SOLE |  | 0 | 0 | 3364 |
| BANK AMERICA CORP | COM | 060505104 |  | 295198 | 5722 | SH |  | SOLE |  | 0 | 0 | 5722 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 1372901 | 50271 | SH |  | SOLE |  | 0 | 0 | 50271 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 595851 | 9039 | SH |  | SOLE |  | 0 | 0 | 9039 |
| PEPSICO INC | COM | 713448108 |  | 1247985 | 8886 | SH |  | SOLE |  | 0 | 0 | 8886 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1451995 | 6957 | SH |  | SOLE |  | 0 | 0 | 6957 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 467864 | 3045 | SH |  | SOLE |  | 0 | 0 | 3045 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 684097 | 15799 | SH |  | SOLE |  | 0 | 0 | 15799 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 468257 | 2300 | SH |  | SOLE |  | 0 | 0 | 2300 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 292974 | 1657 | SH |  | SOLE |  | 0 | 0 | 1657 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 40080003 | 856227 | SH |  | SOLE |  | 0 | 0 | 856227 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 18558762 | 174277 | SH |  | SOLE |  | 0 | 0 | 174277 |
| SPDR SERIES TRUST | PORTFOLIO S | 78464A854 |  | 12047516 | 153785 | SH |  | SOLE |  | 0 | 0 | 153785 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 7591981 | 126702 | SH |  | SOLE |  | 0 | 0 | 126702 |
| SPDR SERIES TRUST | PORTFOLIO AGRGTE | 78464A649 |  | 36468440 | 1410771 | SH |  | SOLE |  | 0 | 0 | 1410771 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 289422 | 5536 | SH |  | SOLE |  | 0 | 0 | 5536 |
| CAPITAL GROUP NEW GEOGRAPHY | SHS | 14021N105 |  | 1803200 | 58356 | SH |  | SOLE |  | 0 | 0 | 58356 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 2677506 | 7326 | SH |  | SOLE |  | 0 | 0 | 7326 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 296392 | 484 | SH |  | SOLE |  | 0 | 0 | 484 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 631281 | 3616 | SH |  | SOLE |  | 0 | 0 | 3616 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 219685 | 2784 | SH |  | SOLE |  | 0 | 0 | 2784 |
| AT INC | COM | 00206R102 |  | 232811 | 8244 | SH |  | SOLE |  | 0 | 0 | 8244 |
| APPLE INC | COM | 037833100 |  | 1529221 | 6006 | SH |  | SOLE |  | 0 | 0 | 6006 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 1521485 | 113290 | SH |  | SOLE |  | 0 | 0 | 113290 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 641379 | 1520 | SH |  | SOLE |  | 0 | 0 | 1520 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1191083 | 13642 | SH |  | SOLE |  | 0 | 0 | 13642 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 3300947 | 32780 | SH |  | SOLE |  | 0 | 0 | 32780 |

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