The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 229 781 SH   SOLE 0 0 0 781
BLACKROCK CORE BD TR SHS BEN INT 09249E101 170 11,693 SH   SOLE 0 0 0 11,693
CABOT CORP COM 127055101 1,557 32,764 SH   SOLE 0 0 0 32,764
CABOT MICROELECTRONICS CORP COM 12709P103 2,311 16,013 SH   SOLE 0 0 0 16,013
COCA COLA CO COM 191216100 225 4,072 SH   SOLE 0 0 0 4,072
ISHARES TR TIPS BD ETF 464287176 492 4,221 SH   SOLE 0 0 0 4,221
ISHARES TR CORE US AGGBD ET 464287226 3,638 32,376 SH   SOLE 0 0 0 32,376
ISHARES TR MSCI EMG MKT ETF 464287234 388 8,651 SH   SOLE 0 0 0 8,651
ISHARES TR S&P 500 VAL ETF 464287408 538 4,133 SH   SOLE 0 0 0 4,133
ISHARES TR MSCI EAFE ETF 464287465 412 5,940 SH   SOLE 0 0 0 5,940
ISHARES TR SP SMCP600VL ETF 464287879 349 2,168 SH   SOLE 0 0 0 2,168
ISHARES TR NATIONAL MUN ETF 464288414 247 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR 0-5 YR TIPS ETF 46429B747 8,089 80,323 SH   SOLE 0 0 0 80,323
ISHARES TR USA MOMENTUM FCT 46432F396 4,874 38,818 SH   SOLE 0 0 0 38,818
ISHARES INC CORE MSCI EMKT 46434G103 1,978 36,789 SH   SOLE 0 0 0 36,789
PEPSICO INC COM 713448108 223 1,630 SH   SOLE 0 0 0 1,630
PROCTER & GAMBLE CO COM 742718109 390 3,122 SH   SOLE 0 0 0 3,122
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,340 4,163 SH   SOLE 0 0 0 4,163
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 705 22,493 SH   SOLE 0 0 0 22,493
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796 2,225 28,217 SH   SOLE 0 0 0 28,217
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,096 183,513 SH   SOLE 0 0 0 183,513
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 53,637 1,003,879 SH   SOLE 0 0 0 1,003,879
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,487 54,104 SH   SOLE 0 0 0 54,104
SCHWAB STRATEGIC TR US TIPS ETF 808524870 8,742 154,364 SH   SOLE 0 0 0 154,364
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,652 14,786 SH   SOLE 0 0 0 14,786
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 13,398 153,606 SH   SOLE 0 0 0 153,606
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 7,128 84,999 SH   SOLE 0 0 0 84,999
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 6,032 136,894 SH   SOLE 0 0 0 136,894
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,519 112,000 SH   SOLE 0 0 0 112,000
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 54,542 963,983 SH   SOLE 0 0 0 963,983
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 243 4,104 SH   SOLE 0 0 0 4,104
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 275 3,392 SH   SOLE 0 0 0 3,392
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,366 30,726 SH   SOLE 0 0 0 30,726
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,568 10,710 SH   SOLE 0 0 0 10,710
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,160 47,870 SH   SOLE 0 0 0 47,870
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,899 52,792 SH   SOLE 0 0 0 52,792
VANGUARD INDEX FDS GROWTH ETF 922908736 2,574 14,129 SH   SOLE 0 0 0 14,129
VANGUARD INDEX FDS VALUE ETF 922908744 2,395 19,982 SH   SOLE 0 0 0 19,982
VANGUARD INDEX FDS SMALL CP ETF 922908751 762 4,600 SH   SOLE 0 0 0 4,600
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,481 70,166 SH   SOLE 0 0 0 70,166