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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   2,589 28,176 SH   SOLE 0 0 0 28,176
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   376 12,682 SH   SOLE 0 0 0 12,682
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   861 16,608 SH   SOLE 0 0 0 16,608
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   5,131 125,640 SH   SOLE 0 0 0 125,640
ISHARES TR MSCI USA MMENTM 46432F396   20,101 103,150 SH   SOLE 0 0 0 103,150
ISHARES TR 0-5 YR TIPS ETF 46429B747   19,818 199,195 SH   SOLE 0 0 0 199,195
ISHARES TR MBS ETF 464288588   60,696 661,103 SH   SOLE 0 0 0 661,103
ISHARES TR USD INV GRDE ETF 464288620   69,407 1,382,332 SH   SOLE 0 0 0 1,382,332
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   11,793 183,550 SH   SOLE 0 0 0 183,550
SCHWAB STRATEGIC TR US REIT ETF 808524847   6,932 347,140 SH   SOLE 0 0 0 347,140
SCHWAB STRATEGIC TR US TIPS ETF 808524870   76,472 1,470,342 SH   SOLE 0 0 0 1,470,342
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   8,293 236,397 SH   SOLE 0 0 0 236,397
SPDR SER TR SPDR S&P 500 ETF 78468R796   17,150 384,540 SH   SOLE 0 0 0 384,540
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   73,663 1,513,512 SH   SOLE 0 0 0 1,513,512
VANGUARD INDEX FDS VALUE ETF 922908744   1,942 12,110 SH   SOLE 0 0 0 12,110
VANGUARD INDEX FDS GROWTH ETF 922908736   4,900 13,100 SH   SOLE 0 0 0 13,100
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,558 16,317 SH   SOLE 0 0 0 16,317
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,850 34,031 SH   SOLE 0 0 0 34,031
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   19,205 38,399 SH   SOLE 0 0 0 38,399
VANGUARD INDEX FDS TOTAL STK MKT 922908769   20,642 77,164 SH   SOLE 0 0 0 77,164
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,296 52,478 SH   SOLE 0 0 0 52,478
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,464 50,760 SH   SOLE 0 0 0 50,760
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   851 12,522 SH   SOLE 0 0 0 12,522
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   9,923 131,080 SH   SOLE 0 0 0 131,080
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   8,724 192,151 SH   SOLE 0 0 0 192,151
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,720 75,278 SH   SOLE 0 0 0 75,278
VANGUARD WORLD FD MEGA CAP INDEX 921910873   8,418 42,667 SH   SOLE 0 0 0 42,667