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
OMB APPROVAL
OMB Number: 3235-0006
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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 634 5,472 SH   SOLE 0 0 0 5,472
CABOT CORP COM 127055101 992 27,519 SH   SOLE 0 0 0 27,519
ISHARES INC MSCI CDA ETF 464286509 268 9,782 SH   SOLE 0 0 0 9,782
ISHARES TR TIPS BD ETF 464287176 378 2,992 SH   SOLE 0 0 0 2,992
ISHARES TR CORE US AGGBD ET 464287226 2,476 20,975 SH   SOLE 0 0 0 20,975
ISHARES TR MSCI EMG MKT ETF 464287234 381 8,651 SH   SOLE 0 0 0 8,651
ISHARES TR S&P 500 VAL ETF 464287408 394 3,500 SH   SOLE 0 0 0 3,500
ISHARES TR MSCI EAFE ETF 464287465 378 5,940 SH   SOLE 0 0 0 5,940
ISHARES TR SP SMCP600VL ETF 464287879 265 2,168 SH   SOLE 0 0 0 2,168
ISHARES TR NATIONAL MUN ETF 464288414 251 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR 0-5 YR TIPS ETF 46429B747 11,332 108,898 SH   SOLE 0 0 0 108,898
ISHARES TR MSCI USA MMENTM 46432F396 10,685 72,488 SH   SOLE 0 0 0 72,488
ISHARES INC CORE MSCI EMKT 46434G103 1,700 32,201 SH   SOLE 0 0 0 32,201
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,165 3,478 SH   SOLE 0 0 0 3,478
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 2,520 86,117 SH   SOLE 0 0 0 86,117
SPDR SER TR SPDR S&P 500 ETF 78468R796 6,848 81,984 SH   SOLE 0 0 0 81,984
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,137 138,127 SH   SOLE 0 0 0 138,127
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 52,988 944,873 SH   SOLE 0 0 0 944,873
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,964 83,801 SH   SOLE 0 0 0 83,801
SCHWAB STRATEGIC TR US TIPS ETF 808524870 11,060 179,457 SH   SOLE 0 0 0 179,457
VANGUARD WORLD FD MEGA CAP INDEX 921910873 3,171 26,450 SH   SOLE 0 0 0 26,450
VANGUARD BD INDEX FDS INTERMED TERM 921937819 10,596 113,349 SH   SOLE 0 0 0 113,349
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,503 73,718 SH   SOLE 0 0 0 73,718
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,646 89,136 SH   SOLE 0 0 0 89,136
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,695 92,031 SH   SOLE 0 0 0 92,031
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 61,693 1,060,290 SH   SOLE 0 0 0 1,060,290
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 263 3,264 SH   SOLE 0 0 0 3,264
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,169 27,024 SH   SOLE 0 0 0 27,024
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,596 10,481 SH   SOLE 0 0 0 10,481
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 10,914 35,475 SH   SOLE 0 0 0 35,475
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,072 38,911 SH   SOLE 0 0 0 38,911
VANGUARD INDEX FDS SM CP VAL ETF 922908611 288 2,601 SH   SOLE 0 0 0 2,601
VANGUARD INDEX FDS MID CAP ETF 922908629 955 5,418 SH   SOLE 0 0 0 5,418
VANGUARD INDEX FDS GROWTH ETF 922908736 3,212 14,113 SH   SOLE 0 0 0 14,113
VANGUARD INDEX FDS VALUE ETF 922908744 1,427 13,651 SH   SOLE 0 0 0 13,651
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,342 8,727 SH   SOLE 0 0 0 8,727
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,126 65,325 SH   SOLE 0 0 0 65,325