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 663 3,731 SH   SOLE 0 0 0 3,731
CMC MATERIALS INC COM 12571T100 2,825 14,737 SH   SOLE 0 0 0 14,737
CABOT CORP COM 127055101 1,480 26,330 SH   SOLE 0 0 0 26,330
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 5,349 112,563 SH   SOLE 0 0 0 112,563
ISHARES INC MSCI CDA ETF 464286509 491 12,777 SH   SOLE 0 0 0 12,777
ISHARES TR TIPS BD ETF 464287176 439 3,394 SH   SOLE 0 0 0 3,394
ISHARES TR CORE US AGGBD ET 464287226 2,362 20,706 SH   SOLE 0 0 0 20,706
ISHARES TR MSCI EMG MKT ETF 464287234 423 8,651 SH   SOLE 0 0 0 8,651
ISHARES TR S&P 500 VAL ETF 464287408 226 1,441 SH   SOLE 0 0 0 1,441
ISHARES TR MSCI EAFE ETF 464287465 490 6,224 SH   SOLE 0 0 0 6,224
ISHARES TR SP SMCP600VL ETF 464287879 385 3,681 SH   SOLE 0 0 0 3,681
ISHARES TR NATIONAL MUN ETF 464288414 252 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR 0-5 YR TIPS ETF 46429B747 15,217 143,715 SH   SOLE 0 0 0 143,715
ISHARES TR MSCI USA MMENTM 46432F396 15,574 85,658 SH   SOLE 0 0 0 85,658
ISHARES INC CORE MSCI EMKT 46434G103 1,684 28,140 SH   SOLE 0 0 0 28,140
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,693 3,565 SH   SOLE 0 0 0 3,565
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,488 123,018 SH   SOLE 0 0 0 123,018
SPDR SER TR PORTFOLI S&P1500 78464A805 223 3,817 SH   SOLE 0 0 0 3,817
SPDR SER TR SPDR S&P 500 ETF 78468R796 12,948 110,013 SH   SOLE 0 0 0 110,013
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 14,889 130,814 SH   SOLE 0 0 0 130,814
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 71,179 1,320,567 SH   SOLE 0 0 0 1,320,567
SCHWAB STRATEGIC TR US REIT ETF 808524847 5,844 110,911 SH   SOLE 0 0 0 110,911
SCHWAB STRATEGIC TR US TIPS ETF 808524870 15,239 242,304 SH   SOLE 0 0 0 242,304
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,186 18,657 SH   SOLE 0 0 0 18,657
VANGUARD WORLD FD MEGA CAP INDEX 921910873 6,889 40,987 SH   SOLE 0 0 0 40,987
VANGUARD BD INDEX FDS INTERMED TERM 921937819 24,571 280,429 SH   SOLE 0 0 0 280,429
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 6,287 74,182 SH   SOLE 0 0 0 74,182
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,569 89,489 SH   SOLE 0 0 0 89,489
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 4,583 89,163 SH   SOLE 0 0 0 89,163
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 76,264 1,382,590 SH   SOLE 0 0 0 1,382,590
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 1,238 9,244 SH   SOLE 0 0 0 9,244
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 387 3,606 SH   SOLE 0 0 0 3,606
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,528 30,889 SH   SOLE 0 0 0 30,889
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 2,547 11,807 SH   SOLE 0 0 0 11,807
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,306 32,770 SH   SOLE 0 0 0 32,770
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,743 40,884 SH   SOLE 0 0 0 40,884
VANGUARD INDEX FDS SM CP VAL ETF 922908611 434 2,425 SH   SOLE 0 0 0 2,425
VANGUARD INDEX FDS MID CAP ETF 922908629 1,631 6,403 SH   SOLE 0 0 0 6,403
VANGUARD INDEX FDS LARGE CAP ETF 922908637 282 1,274 SH   SOLE 0 0 0 1,274
VANGUARD INDEX FDS GROWTH ETF 922908736 4,245 13,229 SH   SOLE 0 0 0 13,229
VANGUARD INDEX FDS VALUE ETF 922908744 1,761 11,972 SH   SOLE 0 0 0 11,972
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,394 10,593 SH   SOLE 0 0 0 10,593
VANGUARD INDEX FDS TOTAL STK MKT 922908769 17,637 73,051 SH   SOLE 0 0 0 73,051