# EDGAR Filing Document

**Accession Number:** 0001802290
**File Stem:** 0001725547-23-000011
**Filing Date:** 2023-2
**Character Count:** 12504
**Document Hash:** 6588434fab6a05c3ef36a4880145efe9
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001725547-23-000011.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001725547-23-000011

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230203

**EFFECTIVENESS DATE**: 20230206

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SENTINEL PENSION ADVISORS INC
- **CENTRAL INDEX KEY:** 0001802290
- **IRS NUMBER:** 043422848
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-19758
- **FILM NUMBER:** 23587748

**BUSINESS ADDRESS:**
- **STREET 1:** 100 QUANNAPOWITT PKWY
- **STREET 2:** SUITE 300
- **CITY:** WAKEFIELD
- **STATE:** MA
- **ZIP:** 01880
- **BUSINESS PHONE:** 781-914-1450

**MAIL ADDRESS:**
- **STREET 1:** 100 QUANNAPOWITT PKWY
- **STREET 2:** SUITE 300
- **CITY:** WAKEFIELD
- **STATE:** MA
- **ZIP:** 01880

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** SENTINEL PENSION ADVISORS INC<br>**Address:** 100 QUANNAPOWITT PKWY<br>SUITE 300<br>WAKEFIELD, MA 01880

**Form 13F File Number:** 028-19758

**CRD Number (if applicable):** 000109901

**SEC File Number (if applicable):** 801-55783

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:** James M. Nestor<br>**Title:** Chief Compliance Officer<br>**Phone:** (781) 914-1273

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

/s/ James M. Nestor  Wakefield, MA  01-31-2023<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:** 85

**Form 13F Information Table Value Total:** $318787310

      (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

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 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 |
| AMERICAN CENTY ETF TR | AVANTIS EMGMKT | 025072604 |  | 1433491 | 28414 | SH |  | SOLE |  | 0 | 0 | 28414 |
| AMERICAN CENTY ETF TR | US SML CP VALU | 025072877 |  | 1289093 | 17301 | SH |  | SOLE |  | 0 | 0 | 17301 |
| APPLE INC | COM | 037833100 |  | 1455208 | 11200 | SH |  | SOLE |  | 0 | 0 | 11200 |
| ARCHER DANIELS MIDLAND CO | COM | 039483102 |  | 522188 | 5624 | SH |  | SOLE |  | 0 | 0 | 5624 |
| BIOLIFE SOLUTIONS INC | COM NEW | 09062W204 |  | 201165 | 11053 | SH |  | SOLE |  | 0 | 0 | 11053 |
| BNY MELLON ETF TRUST | US LRG CP CORE | 09661T107 |  | 46487199 | 663197 | SH |  | SOLE |  | 0 | 0 | 663197 |
| BNY MELLON ETF TRUST | INTERNATIONL EQT | 09661T404 |  | 29003755 | 465518 | SH |  | SOLE |  | 0 | 0 | 465518 |
| BNY MELLON ETF TRUST | CORE BOND ETF | 09661T602 |  | 42649868 | 1025237 | SH |  | SOLE |  | 0 | 0 | 1025237 |
| CAMBRIDGE BANCORP | COM | 132152109 |  | 1874913 | 22573 | SH |  | SOLE |  | 0 | 0 | 22573 |
| FIDELITY COVINGTON TRUST | BLUE CHIP GRWTH | 316092352 |  | 300599 | 14253 | SH |  | SOLE |  | 0 | 0 | 14253 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 9311048 | 206820 | SH |  | SOLE |  | 0 | 0 | 206820 |
| FIRST MERCHANTS CORP | COM | 320817109 |  | 368263 | 8958 | SH |  | SOLE |  | 0 | 0 | 8958 |
| FIRST TR SR FLTG RATE INCOME | COM | 33733U108 |  | 123567 | 12966 | SH |  | SOLE |  | 0 | 0 | 12966 |
| FIRST TR EXCH TRADED FD III | MANAGD MUN ETF | 33739N108 |  | 1319362 | 26329 | SH |  | SOLE |  | 0 | 0 | 26329 |
| FORD MTR CO DEL | COM | 345370860 |  | 625832 | 53812 | SH |  | SOLE |  | 0 | 0 | 53812 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2026 CB | 46138J791 |  | 9545438 | 504382 | SH |  | SOLE |  | 0 | 0 | 504382 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 11120534 | 552162 | SH |  | SOLE |  | 0 | 0 | 552162 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 CB | 46138J841 |  | 12066709 | 589048 | SH |  | SOLE |  | 0 | 0 | 589048 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2023 CB | 46138J866 |  | 12668025 | 603814 | SH |  | SOLE |  | 0 | 0 | 603814 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 1122411 | 32449 | SH |  | SOLE |  | 0 | 0 | 32449 |
| ISHARES TR | S 100 ETF | 464287101 |  | 749649 | 4395 | SH |  | SOLE |  | 0 | 0 | 4395 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 3159377 | 37257 | SH |  | SOLE |  | 0 | 0 | 37257 |
| ISHARES TR | CORE S ETF | 464287200 |  | 238836 | 622 | SH |  | SOLE |  | 0 | 0 | 622 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 451718 | 4657 | SH |  | SOLE |  | 0 | 0 | 4657 |
| ISHARES TR | NORTH AMERN NAT | 464287374 |  | 1865801 | 45888 | SH |  | SOLE |  | 0 | 0 | 45888 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 4941413 | 23472 | SH |  | SOLE |  | 0 | 0 | 23472 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 503977 | 4776 | SH |  | SOLE |  | 0 | 0 | 4776 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 411647 | 4246 | SH |  | SOLE |  | 0 | 0 | 4246 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 275284 | 4466 | SH |  | SOLE |  | 0 | 0 | 4466 |
| ISHARES TR | MSCI INTL SML CP | 46434V266 |  | 1736718 | 57891 | SH |  | SOLE |  | 0 | 0 | 57891 |
| ISHARES TR | IBONDS DEC2023 | 46435G318 |  | 3137875 | 123782 | SH |  | SOLE |  | 0 | 0 | 123782 |
| ISHARES TR | IBONDS DEC 26 | 46435U259 |  | 1535637 | 60914 | SH |  | SOLE |  | 0 | 0 | 60914 |
| ISHARES TR | IBONDS DEC 27 | 46435U283 |  | 1140981 | 45503 | SH |  | SOLE |  | 0 | 0 | 45503 |
| ISHARES TR | IBONDS DEC 25 | 46435U432 |  | 2042092 | 77440 | SH |  | SOLE |  | 0 | 0 | 77440 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 1521173 | 32545 | SH |  | SOLE |  | 0 | 0 | 32545 |
| ISHARES TR | IBONDS DEC | 46435U697 |  | 3045605 | 118276 | SH |  | SOLE |  | 0 | 0 | 118276 |
| LILLY ELI  CO | COM | 532457108 |  | 206700 | 565 | SH |  | SOLE |  | 0 | 0 | 565 |
| MICROSOFT CORP | COM | 594918104 |  | 898320 | 3746 | SH |  | SOLE |  | 0 | 0 | 3746 |
| NEXGEN ENERGY LTD | COM | 65340P106 |  | 44300 | 10000 | SH |  | SOLE |  | 0 | 0 | 10000 |
| PFIZER INC | COM | 717081103 |  | 408639 | 7975 | SH |  | SOLE |  | 0 | 0 | 7975 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 230469 | 1521 | SH |  | SOLE |  | 0 | 0 | 1521 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 637789 | 1668 | SH |  | SOLE |  | 0 | 0 | 1668 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 453448 | 2673 | SH |  | SOLE |  | 0 | 0 | 2673 |
| SPDR INDEX SHS FDS | MSCI EMRG MKTS | 78463X426 |  | 248516 | 4651 | SH |  | SOLE |  | 0 | 0 | 4651 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 225328 | 6836 | SH |  | SOLE |  | 0 | 0 | 6836 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5654471 | 190450 | SH |  | SOLE |  | 0 | 0 | 190450 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 7347605 | 292384 | SH |  | SOLE |  | 0 | 0 | 292384 |
| SPDR SER TR | S DIVID ETF | 78464A763 |  | 1165908 | 9319 | SH |  | SOLE |  | 0 | 0 | 9319 |
| SPDR SER TR | PORTFOLI S | 78464A805 |  | 9376889 | 198285 | SH |  | SOLE |  | 0 | 0 | 198285 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 292548 | 6883 | SH |  | SOLE |  | 0 | 0 | 6883 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 2245666 | 49926 | SH |  | SOLE |  | 0 | 0 | 49926 |
| SPDR SER TR | PORTFOLIO SH TSR | 78468R101 |  | 20232919 | 700343 | SH |  | SOLE |  | 0 | 0 | 700343 |
| SPDR SER TR | NUVEEN BLMBRG MU | 78468R721 |  | 253997 | 5568 | SH |  | SOLE |  | 0 | 0 | 5568 |
| SPDR SER TR | MSCI USA STRTGIC | 78468R812 |  | 4063389 | 36836 | SH |  | SOLE |  | 0 | 0 | 36836 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 554283 | 14993 | SH |  | SOLE |  | 0 | 0 | 14993 |
| SSGA ACTIVE TR | SPDR DBLELN EMRG | 78470P309 |  | 549138 | 13661 | SH |  | SOLE |  | 0 | 0 | 13661 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 4883873 | 108170 | SH |  | SOLE |  | 0 | 0 | 108170 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 |  | 4115697 | 62730 | SH |  | SOLE |  | 0 | 0 | 62730 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 312613 | 7717 | SH |  | SOLE |  | 0 | 0 | 7717 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 311032 | 9656 | SH |  | SOLE |  | 0 | 0 | 9656 |
| SCHWAB STRATEGIC TR | US AGGREGATE B | 808524839 |  | 499641 | 10945 | SH |  | SOLE |  | 0 | 0 | 10945 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 474520 | 9837 | SH |  | SOLE |  | 0 | 0 | 9837 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 311413 | 2503 | SH |  | SOLE |  | 0 | 0 | 2503 |
| SPERO THERAPEUTICS INC | COM | 84833T103 |  | 20760 | 12000 | SH |  | SOLE |  | 0 | 0 | 12000 |
| SPROTT PHYSICAL GOLD TR | UNIT | 85207H104 |  | 11108600 | 787844 | SH |  | SOLE |  | 0 | 0 | 787844 |
| SPROTT PHYSICAL SILVER TR | TR UNIT | 85207K107 |  | 155258 | 18842 | SH |  | SOLE |  | 0 | 0 | 18842 |
| VANECK ETF TRUST | INFLATION ALLOCA | 92189F130 |  | 3120038 | 125808 | SH |  | SOLE |  | 0 | 0 | 125808 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 3497013 | 53875 | SH |  | SOLE |  | 0 | 0 | 53875 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 2096137 | 13804 | SH |  | SOLE |  | 0 | 0 | 13804 |
| VANGUARD WORLD FD | ESG US STK ETF | 921910733 |  | 234267 | 3557 | SH |  | SOLE |  | 0 | 0 | 3557 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 399887 | 3695 | SH |  | SOLE |  | 0 | 0 | 3695 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1245569 | 26666 | SH |  | SOLE |  | 0 | 0 | 26666 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 289091 | 6993 | SH |  | SOLE |  | 0 | 0 | 6993 |
| VANGUARD WORLD FDS | MATERIALS ETF | 92204A801 |  | 1021370 | 6001 | SH |  | SOLE |  | 0 | 0 | 6001 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1236870 | 14996 | SH |  | SOLE |  | 0 | 0 | 14996 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 1109218 | 5531 | SH |  | SOLE |  | 0 | 0 | 5531 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 2362914 | 11594 | SH |  | SOLE |  | 0 | 0 | 11594 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 3754053 | 17616 | SH |  | SOLE |  | 0 | 0 | 17616 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 215476 | 1174 | SH |  | SOLE |  | 0 | 0 | 1174 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 2811998 | 14708 | SH |  | SOLE |  | 0 | 0 | 14708 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 220288 | 4683 | SH |  | SOLE |  | 0 | 0 | 4683 |
| WISDOMTREE TR | GLB US QTLY DIV | 97717W844 |  | 2557255 | 79356 | SH |  | SOLE |  | 0 | 0 | 79356 |
| WISDOMTREE TR | US QTLY DIV GRT | 97717X669 |  | 2081311 | 34482 | SH |  | SOLE |  | 0 | 0 | 34482 |
| WISDOMTREE TR | FLOATNG RAT TREA | 97717Y527 |  | 745866 | 14837 | SH |  | SOLE |  | 0 | 0 | 14837 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 2258509 | 62407 | SH |  | SOLE |  | 0 | 0 | 62407 |

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