# EDGAR Filing Document

**Accession Number:** 0001622431
**File Stem:** 0001951757-26-000270
**Filing Date:** 2026-1
**Character Count:** 14046
**Document Hash:** 0e6a99b0663d4a28c7f3b9d76931526b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001951757-26-000270.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001951757-26-000270

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**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:** 26549015

**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:** 12-31-2025

**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  01-21-2026<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:** 101

**Form 13F Information Table Value Total:** $527211868

      (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 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHT MUNCPL | 46641Q654 |  | 8155239 | 160095 | SH |  | SOLE |  | 0 | 0 | 160095 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 404340 | 460 | SH |  | SOLE |  | 0 | 0 | 460 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 205416 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 1950417 | 41569 | SH |  | SOLE |  | 0 | 0 | 41569 |
| NUSHARES ETF TR | NUVEEN ESG EMRGN | 67092P888 |  | 715941 | 20122 | SH |  | SOLE |  | 0 | 0 | 20122 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 655521 | 1385 | SH |  | SOLE |  | 0 | 0 | 1385 |
| CAPITAL GROUP GROWTH ETF | SHS CREATION UNI | 14020G101 |  | 335437 | 7543 | SH |  | SOLE |  | 0 | 0 | 7543 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 679801 | 5649 | SH |  | SOLE |  | 0 | 0 | 5649 |
| ISHARES TR | CORE 80/20 AGGRE | 464289859 |  | 311490 | 3478 | SH |  | SOLE |  | 0 | 0 | 3478 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 334825 | 1067 | SH |  | SOLE |  | 0 | 0 | 1067 |
| MICROSOFT CORP | COM | 594918104 |  | 367068 | 759 | SH |  | SOLE |  | 0 | 0 | 759 |
| CAPITAL GROUP DIVIDEND VALUE | SHS CREATION UNI | 14020W106 |  | 350298 | 8027 | SH |  | SOLE |  | 0 | 0 | 8027 |
| GLOBE LIFE INC | COM | 37959E102 |  | 314825 | 2251 | SH |  | SOLE |  | 0 | 0 | 2251 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 2404247 | 16752 | SH |  | SOLE |  | 0 | 0 | 16752 |
| ANALOG DEVICES INC | COM | 032654105 |  | 344966 | 1272 | SH |  | SOLE |  | 0 | 0 | 1272 |
| CISCO SYS INC | COM | 17275R102 |  | 274689 | 3566 | SH |  | SOLE |  | 0 | 0 | 3566 |
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 |  | 450828 | 4493 | SH |  | SOLE |  | 0 | 0 | 4493 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 284048 | 1600 | SH |  | SOLE |  | 0 | 0 | 1600 |
| DESTINATION XL GROUP INC | COM | 25065K104 |  | 12751 | 13867 | SH |  | SOLE |  | 0 | 0 | 13867 |
| NUSHARES ETF TR | NUVEEN ENHNC YLD | 67092P102 |  | 502720 | 23730 | SH |  | SOLE |  | 0 | 0 | 23730 |
| ISHARES TR | CORE S ETF | 464287200 |  | 83665368 | 122150 | SH |  | SOLE |  | 0 | 0 | 122150 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 5194842 | 96630 | SH |  | SOLE |  | 0 | 0 | 96630 |
| BROADCOM INC | COM | 11135F101 |  | 670742 | 1938 | SH |  | SOLE |  | 0 | 0 | 1938 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 95372266 | 2147540 | SH |  | SOLE |  | 0 | 0 | 2147540 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 32307904 | 568701 | SH |  | SOLE |  | 0 | 0 | 568701 |
| T ROWE PRICE ETF INC | FLOATING RATE | 87283Q883 |  | 1541818 | 29994 | SH |  | SOLE |  | 0 | 0 | 29994 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 4000493 | 49869 | SH |  | SOLE |  | 0 | 0 | 49869 |
| SSGA ACTIVE ETF TR | STATE STREET DOU | 78467V848 |  | 543852 | 13512 | SH |  | SOLE |  | 0 | 0 | 13512 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 6372196 | 126709 | SH |  | SOLE |  | 0 | 0 | 126709 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A649 |  | 3526074 | 136935 | SH |  | SOLE |  | 0 | 0 | 136935 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R853 |  | 1629335 | 34770 | SH |  | SOLE |  | 0 | 0 | 34770 |
| NUSHARES ETF TR | NUVEEN ESG SMLCP | 67092P607 |  | 416272 | 9323 | SH |  | SOLE |  | 0 | 0 | 9323 |
| WISDOMTREE TR | YIELD ENHANCD US | 97717X511 |  | 561416 | 12745 | SH |  | SOLE |  | 0 | 0 | 12745 |
| WISDOMTREE TR | US SMALLCAP DIVD | 97717W604 |  | 440871 | 13180 | SH |  | SOLE |  | 0 | 0 | 13180 |
| ISHARES TR | NEW YORK MUN ETF | 464288323 |  | 606643 | 11337 | SH |  | SOLE |  | 0 | 0 | 11337 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 2962518 | 11485 | SH |  | SOLE |  | 0 | 0 | 11485 |
| CAPITAL GROUP CORE BALANCED | SHS | 14021D107 |  | 523909 | 14829 | SH |  | SOLE |  | 0 | 0 | 14829 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 263465 | 1830 | SH |  | SOLE |  | 0 | 0 | 1830 |
| GENUINE PARTS CO | COM | 372460105 |  | 200039 | 1627 | SH |  | SOLE |  | 0 | 0 | 1627 |
| SPDR SERIES TRUST | BLOOMBERG EMERGI | 78464A391 |  | 985734 | 46127 | SH |  | SOLE |  | 0 | 0 | 46127 |
| AMAZON COM INC | COM | 023135106 |  | 637986 | 2764 | SH |  | SOLE |  | 0 | 0 | 2764 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2140766 | 17813 | SH |  | SOLE |  | 0 | 0 | 17813 |
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 |  | 1047997 | 15542 | SH |  | SOLE |  | 0 | 0 | 15542 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 2800857 | 15018 | SH |  | SOLE |  | 0 | 0 | 15018 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 324547 | 4720 | SH |  | SOLE |  | 0 | 0 | 4720 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 203556 | 2576 | SH |  | SOLE |  | 0 | 0 | 2576 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 315806 | 2232 | SH |  | SOLE |  | 0 | 0 | 2232 |
| CAPITAL GROUP GBL GROWTH EQT | SHS CREATION UNI | 14020X104 |  | 523562 | 15110 | SH |  | SOLE |  | 0 | 0 | 15110 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 4065450 | 18498 | SH |  | SOLE |  | 0 | 0 | 18498 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 288826 | 1568 | SH |  | SOLE |  | 0 | 0 | 1568 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 37112486 | 76072 | SH |  | SOLE |  | 0 | 0 | 76072 |
| TEXAS INSTRS INC | COM | 882508104 |  | 313496 | 1807 | SH |  | SOLE |  | 0 | 0 | 1807 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 1211940 | 13466 | SH |  | SOLE |  | 0 | 0 | 13466 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 263258 | 2975 | SH |  | SOLE |  | 0 | 0 | 2975 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 361353 | 1892 | SH |  | SOLE |  | 0 | 0 | 1892 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 19928128 | 286036 | SH |  | SOLE |  | 0 | 0 | 286036 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 235241 | 3589 | SH |  | SOLE |  | 0 | 0 | 3589 |
| GE VERNOVA INC | COM | 36828A101 |  | 527431 | 807 | SH |  | SOLE |  | 0 | 0 | 807 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 717813 | 2376 | SH |  | SOLE |  | 0 | 0 | 2376 |
| CAPITAL GRP FIXED INCM ETF T | MUNICIPAL INCOME | 14020Y201 |  | 7041287 | 257169 | SH |  | SOLE |  | 0 | 0 | 257169 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 909717 | 3259 | SH |  | SOLE |  | 0 | 0 | 3259 |
| NUSHARES ETF TR | NUVEEN ESG INTL | 67092P805 |  | 1408859 | 38908 | SH |  | SOLE |  | 0 | 0 | 38908 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1927550 | 58517 | SH |  | SOLE |  | 0 | 0 | 58517 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 5178578 | 48534 | SH |  | SOLE |  | 0 | 0 | 48534 |
| ISHARES TR | ESG SELECT SCRE | 46436E551 |  | 212043 | 4749 | SH |  | SOLE |  | 0 | 0 | 4749 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 203154 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 453221 | 2190 | SH |  | SOLE |  | 0 | 0 | 2190 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 713395 | 2214 | SH |  | SOLE |  | 0 | 0 | 2214 |
| J P MORGAN EXCHANGE TRADED F | SUSTAINABLE MUNI | 46654Q815 |  | 583352 | 11579 | SH |  | SOLE |  | 0 | 0 | 11579 |
| WISDOMTREE TR | EMER MKT HIGH FD | 97717W315 |  | 232195 | 4971 | SH |  | SOLE |  | 0 | 0 | 4971 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1021119 | 3315 | SH |  | SOLE |  | 0 | 0 | 3315 |
| SPDR SERIES TRUST | STATE STRET SPDR | 78468R861 |  | 1334131 | 69923 | SH |  | SOLE |  | 0 | 0 | 69923 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 558665 | 8311 | SH |  | SOLE |  | 0 | 0 | 8311 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 1378728 | 52185 | SH |  | SOLE |  | 0 | 0 | 52185 |
| BANK AMERICA CORP | COM | 060505104 |  | 314710 | 5722 | SH |  | SOLE |  | 0 | 0 | 5722 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 1435724 | 6779 | SH |  | SOLE |  | 0 | 0 | 6779 |
| PEPSICO INC | COM | 713448108 |  | 1275354 | 8886 | SH |  | SOLE |  | 0 | 0 | 8886 |
| ISHARES TR | 0-5YR HI YL CP | 46434V407 |  | 699681 | 16321 | SH |  | SOLE |  | 0 | 0 | 16321 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 436379 | 3045 | SH |  | SOLE |  | 0 | 0 | 3045 |
| PIMCO ETF TR | MTG BKD SECS ACT | 72201R569 |  | 21625279 | 435160 | SH |  | SOLE |  | 0 | 0 | 435160 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 496613 | 2361 | SH |  | SOLE |  | 0 | 0 | 2361 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 244634 | 1350 | SH |  | SOLE |  | 0 | 0 | 1350 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 40715001 | 869793 | SH |  | SOLE |  | 0 | 0 | 869793 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R515 |  | 1020208 | 40071 | SH |  | SOLE |  | 0 | 0 | 40071 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 7143383 | 114349 | SH |  | SOLE |  | 0 | 0 | 114349 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 13250905 | 123713 | SH |  | SOLE |  | 0 | 0 | 123713 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 2536778 | 6793 | SH |  | SOLE |  | 0 | 0 | 6793 |
| PIMCO ETF TR | INTER MUN BD ACT | 72201R866 |  | 7126345 | 135973 | SH |  | SOLE |  | 0 | 0 | 135973 |
| CAPITAL GROUP NEW GEOGRAPHY | SHS | 14021N105 |  | 1891405 | 59236 | SH |  | SOLE |  | 0 | 0 | 59236 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 29475435 | 322559 | SH |  | SOLE |  | 0 | 0 | 322559 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 201592 | 2163 | SH |  | SOLE |  | 0 | 0 | 2163 |
| INVESCO ACTVELY MNGD ETC FD | OPTIMUM YIELD | 46090F100 |  | 1518622 | 114613 | SH |  | SOLE |  | 0 | 0 | 114613 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 670104 | 3778 | SH |  | SOLE |  | 0 | 0 | 3778 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 301022 | 480 | SH |  | SOLE |  | 0 | 0 | 480 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 222087 | 2818 | SH |  | SOLE |  | 0 | 0 | 2818 |
| APPLE INC | COM | 037833100 |  | 1646978 | 6058 | SH |  | SOLE |  | 0 | 0 | 6058 |
| AT INC | COM | 00206R102 |  | 204309 | 8225 | SH |  | SOLE |  | 0 | 0 | 8225 |
| FIDELITY COVINGTON TRUST | ENHANCED MID | 31609A503 |  | 27984005 | 769214 | SH |  | SOLE |  | 0 | 0 | 769214 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 591584 | 1520 | SH |  | SOLE |  | 0 | 0 | 1520 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 5966866 | 59443 | SH |  | SOLE |  | 0 | 0 | 59443 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 1199748 | 13411 | SH |  | SOLE |  | 0 | 0 | 13411 |

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