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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR INTL TREA BD ETF 464288117   417 10,100 SH   SOLE 0 0 0 10,100
VANGUARD INDEX FDS VALUE ETF 922908744   1,879 12,569 SH   SOLE 0 0 0 12,569
VANGUARD INDEX FDS GROWTH ETF 922908736   4,064 13,072 SH   SOLE 0 0 0 13,072
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,075 14,415 SH   SOLE 0 0 0 14,415
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   869 16,608 SH   SOLE 0 0 0 16,608
CABOT CORP COM 127055101   2,634 31,540 SH   SOLE 0 0 0 31,540
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,074 34,794 SH   SOLE 0 0 0 34,794
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   16,469 37,703 SH   SOLE 0 0 0 37,703
VANGUARD WORLD FD MEGA CAP INDEX 921910873   6,748 39,861 SH   SOLE 0 0 0 39,861
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,944 47,297 SH   SOLE 0 0 0 47,297
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,609 54,943 SH   SOLE 0 0 0 54,943
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   3,910 56,495 SH   SOLE 0 0 0 56,495
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,666 76,544 SH   SOLE 0 0 0 76,544
VANGUARD INDEX FDS TOTAL STK MKT 922908769   18,703 78,841 SH   SOLE 0 0 0 78,841
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   7,528 97,150 SH   SOLE 0 0 0 97,150
ISHARES TR MSCI USA MMENTM 46432F396   17,109 109,048 SH   SOLE 0 0 0 109,048
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   5,472 132,568 SH   SOLE 0 0 0 132,568
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   7,419 160,025 SH   SOLE 0 0 0 160,025
ISHARES TR 0-5 YR TIPS ETF 46429B747   17,751 180,049 SH   SOLE 0 0 0 180,049
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,806 191,588 SH   SOLE 0 0 0 191,588
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,760 198,768 SH   SOLE 0 0 0 198,768
SCHWAB STRATEGIC TR US REIT ETF 808524847   6,614 319,366 SH   SOLE 0 0 0 319,366
SPDR SER TR SPDR S&P 500 ETF 78468R796   16,456 424,007 SH   SOLE 0 0 0 424,007
ISHARES TR MBS ETF 464288588   57,181 607,790 SH   SOLE 0 0 0 607,790
ISHARES TR USD INV GRDE ETF 464288620   66,222 1,291,889 SH   SOLE 0 0 0 1,291,889
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   64,792 1,312,501 SH   SOLE 0 0 0 1,312,501
SCHWAB STRATEGIC TR US TIPS ETF 808524870   72,143 1,382,056 SH   SOLE 0 0 0 1,382,056