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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   1,896,975 25,293 SH   SOLE 0 0 0 25,293
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   438,422 12,682 SH   SOLE 0 0 0 12,682
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   896,114 16,607 SH   SOLE 0 0 0 16,607
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   7,128,165 170,489 SH   SOLE 0 0 0 170,489
DOUBLELINE ETF TRUST MORTGAGE ETF 25861R402   494,921 10,086 SH   SOLE 0 0 0 10,086
EA SERIES TRUST ASTORIA US QUALI 02072L185   599,656 22,153 SH   SOLE 0 0 0 22,153
EA SERIES TRUST ASTORIA DYNAMIC 02072Q663   742,145 29,407 SH   SOLE 0 0 0 29,407
EA SERIES TRUST ASTORIA US EQUAL 02072L433   843,548 26,189 SH   SOLE 0 0 0 26,189
ISHARES INC ESG AWR MSCI EM 46434G863   441,564 11,273 SH   SOLE 0 0 0 11,273
ISHARES TR ESG AW MSCI EAFE 46435G516   995,963 11,163 SH   SOLE 0 0 0 11,163
ISHARES TR ESG AWR MSCI USA 46435G425   2,488,754 18,394 SH   SOLE 0 0 0 18,394
ISHARES TR MSCI USA MMENTM 46432F396   22,055,786 91,777 SH   SOLE 0 0 0 91,777
ISHARES TR 0-5 YR TIPS ETF 46429B747   22,587,185 219,485 SH   SOLE 0 0 0 219,485
ISHARES TR MBS ETF 464288588   69,302,850 738,128 SH   SOLE 0 0 0 738,128
ISHARES TR USD INV GRDE ETF 464288620   71,626,385 1,392,426 SH   SOLE 0 0 0 1,392,426
SCHWAB STRATEGIC TR US REIT ETF 808524847   7,065,352 333,901 SH   SOLE 0 0 0 333,901
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   12,396,891 507,238 SH   SOLE 0 0 0 507,238
SCHWAB STRATEGIC TR US TIPS ETF 808524870   80,626,838 3,021,995 SH   SOLE 0 0 0 3,021,995
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106   656,977 13,872 SH   SOLE 0 0 0 13,872
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   7,152,179 176,641 SH   SOLE 0 0 0 176,641
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672   592,001 20,577 SH   SOLE 0 0 0 20,577
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796   19,636,399 385,557 SH   SOLE 0 0 0 385,557
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   79,464,469 1,605,019 SH   SOLE 0 0 0 1,605,019
VANGUARD INDEX FDS VALUE ETF 922908744   1,847,742 10,455 SH   SOLE 0 0 0 10,455
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,769,512 31,097 SH   SOLE 0 0 0 31,097
VANGUARD INDEX FDS MID CAP ETF 922908629   3,061,900 10,942 SH   SOLE 0 0 0 10,942
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,875,483 20,573 SH   SOLE 0 0 0 20,573
VANGUARD INDEX FDS GROWTH ETF 922908736   5,911,386 13,484 SH   SOLE 0 0 0 13,484
VANGUARD INDEX FDS TOTAL STK MKT 922908769   24,136,442 79,414 SH   SOLE 0 0 0 79,414
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   24,278,150 42,741 SH   SOLE 0 0 0 42,741
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,017,109 61,001 SH   SOLE 0 0 0 61,001
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,346,162 46,671 SH   SOLE 0 0 0 46,671
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,607,549 23,187 SH   SOLE 0 0 0 23,187
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   11,108,532 143,651 SH   SOLE 0 0 0 143,651
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   11,173,409 241,118 SH   SOLE 0 0 0 241,118
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,488,746 96,277 SH   SOLE 0 0 0 96,277
VANGUARD WORLD FD MEGA CAP INDEX 921910873   14,891,954 66,210 SH   SOLE 0 0 0 66,210