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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR INTL TREA BD ETF 464288117   395 10,100 SH   SOLE 0 0 0 10,100
ISHARES INC CORE MSCI EMKT 46434G103   495 10,607 SH   SOLE 0 0 0 10,607
VANGUARD INDEX FDS GROWTH ETF 922908736   2,792 13,103 SH   SOLE 0 0 0 13,103
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   2,283 13,290 SH   SOLE 0 0 0 13,290
VANGUARD INDEX FDS VALUE ETF 922908744   2,097 14,941 SH   SOLE 0 0 0 14,941
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,246 17,688 SH   SOLE 0 0 0 17,688
ISHARES INC MSCI CDA ETF 464286509   637 19,452 SH   SOLE 0 0 0 19,452
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,543 23,016 SH   SOLE 0 0 0 23,016
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,225 23,688 SH   SOLE 0 0 0 23,688
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,244 31,904 SH   SOLE 0 0 0 31,904
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,012 36,518 SH   SOLE 0 0 0 36,518
CABOT CORP COM 127055101   2,493 37,296 SH   SOLE 0 0 0 37,296
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   3,203 43,149 SH   SOLE 0 0 0 43,149
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   15,282 43,496 SH   SOLE 0 0 0 43,496
VANGUARD WORLD FD MEGA CAP INDEX 921910873   6,429 48,560 SH   SOLE 0 0 0 48,560
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,987 63,949 SH   SOLE 0 0 0 63,949
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   3,108 68,267 SH   SOLE 0 0 0 68,267
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   3,170 77,019 SH   SOLE 0 0 0 77,019
VANGUARD INDEX FDS TOTAL STK MKT 922908769   15,276 79,901 SH   SOLE 0 0 0 79,901
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,470 82,683 SH   SOLE 0 0 0 82,683
ISHARES TR MSCI USA MMENTM 46432F396   14,823 101,578 SH   SOLE 0 0 0 101,578
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   4,999 113,750 SH   SOLE 0 0 0 113,750
SPDR SER TR SPDR S&P 500 ETF 78468R796   12,465 133,525 SH   SOLE 0 0 0 133,525
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,550 153,235 SH   SOLE 0 0 0 153,235
ISHARES TR 0-5 YR TIPS ETF 46429B747   16,257 167,669 SH   SOLE 0 0 0 167,669
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,821 239,676 SH   SOLE 0 0 0 239,676
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,281 247,335 SH   SOLE 0 0 0 247,335
SCHWAB STRATEGIC TR US REIT ETF 808524847   4,863 252,080 SH   SOLE 0 0 0 252,080
ISHARES TR MBS ETF 464288588   54,751 590,310 SH   SOLE 0 0 0 590,310
ISHARES TR USD INV GRDE ETF 464288620   62,353 1,269,661 SH   SOLE 0 0 0 1,269,661
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   61,724 1,301,367 SH   SOLE 0 0 0 1,301,367
SCHWAB STRATEGIC TR US TIPS ETF 808524870   72,261 1,395,263 SH   SOLE 0 0 0 1,395,263