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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
CABOT CORP COM 127055101   2,727 29,577 SH   SOLE 0 0 0 29,577
CARROLS RESTAURANT GROUP INC COM 14574X104   243 25,567 SH   SOLE 0 0 0 25,567
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   378 12,521 SH   SOLE 0 0 0 12,521
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   384 10,522 SH   SOLE 0 0 0 10,522
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   904 16,608 SH   SOLE 0 0 0 16,608
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   6,413 155,460 SH   SOLE 0 0 0 155,460
ISHARES TR 0-5 YR TIPS ETF 46429B747   18,856 189,637 SH   SOLE 0 0 0 189,637
ISHARES TR MSCI USA MMENTM 46432F396   19,649 104,877 SH   SOLE 0 0 0 104,877
ISHARES TR MBS ETF 464288588   58,753 635,717 SH   SOLE 0 0 0 635,717
ISHARES TR USD INV GRDE ETF 464288620   67,085 1,321,344 SH   SOLE 0 0 0 1,321,344
SCHWAB STRATEGIC TR US REIT ETF 808524847   6,721 331,094 SH   SOLE 0 0 0 331,094
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   11,507 185,414 SH   SOLE 0 0 0 185,414
SCHWAB STRATEGIC TR US TIPS ETF 808524870   75,604 1,449,463 SH   SOLE 0 0 0 1,449,463
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,085 197,680 SH   SOLE 0 0 0 197,680
SPDR SER TR SPDR S&P 500 ETF 78468R796   16,788 392,237 SH   SOLE 0 0 0 392,237
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   70,865 1,440,648 SH   SOLE 0 0 0 1,440,648
VANGUARD INDEX FDS VALUE ETF 922908744   1,913 11,744 SH   SOLE 0 0 0 11,744
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,969 34,332 SH   SOLE 0 0 0 34,332
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,616 15,820 SH   SOLE 0 0 0 15,820
VANGUARD INDEX FDS GROWTH ETF 922908736   4,509 13,100 SH   SOLE 0 0 0 13,100
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   18,686 38,873 SH   SOLE 0 0 0 38,873
VANGUARD INDEX FDS TOTAL STK MKT 922908769   20,547 79,057 SH   SOLE 0 0 0 79,057
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,888 45,198 SH   SOLE 0 0 0 45,198
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,569 53,652 SH   SOLE 0 0 0 53,652
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,620 23,608 SH   SOLE 0 0 0 23,608
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,812 193,209 SH   SOLE 0 0 0 193,209
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   9,746 127,200 SH   SOLE 0 0 0 127,200
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,817 76,086 SH   SOLE 0 0 0 76,086
VANGUARD WORLD FD MEGA CAP INDEX 921910873   7,616 40,757 SH   SOLE 0 0 0 40,757