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
Estimated average burden
hours per response: 23.8
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 840 5,937 SH   SOLE 0 0 0 5,937
CMC MATERIALS INC COM 12571T100 2,102 17,058 SH   SOLE 0 0 0 17,058
CABOT CORP COM 127055101 1,189 23,721 SH   SOLE 0 0 0 23,721
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 4,960 111,719 SH   SOLE 0 0 0 111,719
ISHARES INC MSCI CDA ETF 464286509 372 10,238 SH   SOLE 0 0 0 10,238
ISHARES TR TIPS BD ETF 464287176 637 4,988 SH   SOLE 0 0 0 4,988
ISHARES TR CORE US AGGBD ET 464287226 2,367 20,617 SH   SOLE 0 0 0 20,617
ISHARES TR MSCI EMG MKT ETF 464287234 446 8,845 SH   SOLE 0 0 0 8,845
ISHARES TR S&P 500 VAL ETF 464287408 210 1,441 SH   SOLE 0 0 0 1,441
ISHARES TR MSCI EAFE ETF 464287465 463 5,940 SH   SOLE 0 0 0 5,940
ISHARES TR SP SMCP600VL ETF 464287879 388 3,856 SH   SOLE 0 0 0 3,856
ISHARES TR EAFE SML CP ETF 464288273 201 2,707 SH   SOLE 0 0 0 2,707
ISHARES TR NATIONAL MUN ETF 464288414 252 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR 0-5 YR TIPS ETF 46429B747 13,635 129,083 SH   SOLE 0 0 0 129,083
ISHARES TR MSCI USA MMENTM 46432F396 13,860 78,932 SH   SOLE 0 0 0 78,932
ISHARES INC CORE MSCI EMKT 46434G103 1,725 27,933 SH   SOLE 0 0 0 27,933
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,534 3,576 SH   SOLE 0 0 0 3,576
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,772 104,162 SH   SOLE 0 0 0 104,162
SPDR SER TR PORTFOLI S&P1500 78464A805 201 3,797 SH   SOLE 0 0 0 3,797
SPDR SER TR SPDR S&P 500 ETF 78468R796 10,891 102,524 SH   SOLE 0 0 0 102,524
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,469 119,856 SH   SOLE 0 0 0 119,856
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 65,376 1,204,871 SH   SOLE 0 0 0 1,204,871
SCHWAB STRATEGIC TR US REIT ETF 808524847 4,788 104,818 SH   SOLE 0 0 0 104,818
SCHWAB STRATEGIC TR US TIPS ETF 808524870 13,974 223,296 SH   SOLE 0 0 0 223,296
VANGUARD STAR FDS VG TL INTL STK F 921909768 831 13,143 SH   SOLE 0 0 0 13,143
VANGUARD WORLD FD MEGA CAP INDEX 921910873 6,326 41,510 SH   SOLE 0 0 0 41,510
VANGUARD BD INDEX FDS INTERMED TERM 921937819 10,677 119,381 SH   SOLE 0 0 0 119,381
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,352 74,335 SH   SOLE 0 0 0 74,335
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,256 84,290 SH   SOLE 0 0 0 84,290
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,567 86,856 SH   SOLE 0 0 0 86,856
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 71,743 1,259,533 SH   SOLE 0 0 0 1,259,533
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,213 9,071 SH   SOLE 0 0 0 9,071
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 367 3,601 SH   SOLE 0 0 0 3,601
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,517 30,332 SH   SOLE 0 0 0 30,332
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 2,062 10,409 SH   SOLE 0 0 0 10,409
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,190 30,907 SH   SOLE 0 0 0 30,907
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,918 38,497 SH   SOLE 0 0 0 38,497
VANGUARD INDEX FDS SM CP VAL ETF 922908611 420 2,484 SH   SOLE 0 0 0 2,484
VANGUARD INDEX FDS MID CAP ETF 922908629 1,322 5,585 SH   SOLE 0 0 0 5,585
VANGUARD INDEX FDS LARGE CAP ETF 922908637 256 1,274 SH   SOLE 0 0 0 1,274
VANGUARD INDEX FDS GROWTH ETF 922908736 3,871 13,342 SH   SOLE 0 0 0 13,342
VANGUARD INDEX FDS VALUE ETF 922908744 1,551 11,456 SH   SOLE 0 0 0 11,456
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,149 9,829 SH   SOLE 0 0 0 9,829
VANGUARD INDEX FDS TOTAL STK MKT 922908769 14,763 66,481 SH   SOLE 0 0 0 66,481