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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 211,164 912 SH   SOLE   0 0 912
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 BBG001SCXK90 1,141,758 4,630 SH   SOLE   0 0 4,630
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,170,576 4,815 SH   SOLE   0 0 4,815
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,412,986 246,693 SH   SOLE   0 0 246,693
AMAZON COM INC COM 023135106 BBG001S5PQL7 822,796 3,747 SH   SOLE   0 0 3,747
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 346,071 3,076 SH   SOLE   0 0 3,076
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 217,183 654 SH   SOLE   0 0 654
APPLE INC COM 037833100 BBG001S5N8V8 4,318,502 16,960 SH   SOLE   0 0 16,960
AT&T INC COM 00206R102 BBG001S5VWH2 214,264 7,587 SH   SOLE   0 0 7,587
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 1,378,101 26,713 SH   SOLE   0 0 26,713
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 401,689 799 SH   SOLE   0 0 799
BLACKSTONE INC COM 09260D107 BBG001S7H949 252,858 1,480 SH   SOLE   0 0 1,480
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 BBG00RYR68F3 1,163,315 9,061 SH   SOLE   0 0 9,061
BROADCOM INC COM 11135F101 BBG00KHY5SY8 227,480 690 SH   SOLE   0 0 690
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 212,947 2,098 SH   SOLE   0 0 2,098
COCA COLA CO COM 191216100 BBG001S5SMQ8 206,025 3,107 SH   SOLE   0 0 3,107
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 287,871 311 SH   SOLE   0 0 311
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 BBG011DXY6D4 433,271 11,233 SH   SOLE   0 0 11,233
EASTERN BANKSHARES INC COM 27627N105 BBG00W9KWY41 251,287 13,845 SH   SOLE   0 0 13,845
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 BBG00DRGSD25 796,379 7,946 SH   SOLE   0 0 7,946
HOME DEPOT INC COM 437076102 BBG001S5RTW7 502,622 1,240 SH   SOLE   0 0 1,240
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 222,030 1,055 SH   SOLE   0 0 1,055
INDUSTRIAL LOGISTICS PPTYS T COM SHS BEN INT 456237106 BBG00JBBPSP5 90,365 15,500 SH   SOLE   0 0 15,500
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 469,513 1,664 SH   SOLE   0 0 1,664
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 BBG001SDTVQ0 261,641 3,570 SH   SOLE   0 0 3,570
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 396,244 660 SH   SOLE   0 0 660
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 10,380,365 157,469 SH   SOLE   0 0 157,469
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 2,767,339 33,358 SH   SOLE   0 0 33,358
ISHARES TR BROAD USD HIGH 46435U853 BBG00J2DS0J6 6,438,984 170,434 SH   SOLE   0 0 170,434
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 18,405,692 210,809 SH   SOLE   0 0 210,809
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 2,769,612 33,539 SH   SOLE   0 0 33,539
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 45,877,731 702,999 SH   SOLE   0 0 702,999
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 28,815,415 242,493 SH   SOLE   0 0 242,493
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 11,138,092 76,472 SH   SOLE   0 0 76,472
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 148,241,884 221,488 SH   SOLE   0 0 221,488
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 40,966,429 422,653 SH   SOLE   0 0 422,653
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 211,215 2,753 SH   SOLE   0 0 2,753
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 401,908 2,760 SH   SOLE   0 0 2,760
ISHARES TR FLTG RATE NT ETF 46429B655 BBG001V1QYX1 8,031,278 157,214 SH   SOLE   0 0 157,214
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 681,780 8,397 SH   SOLE   0 0 8,397
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 204,632 1,052 SH   SOLE   0 0 1,052
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 13,082,100 122,848 SH   SOLE   0 0 122,848
ISHARES TR RUS 1000 ETF 464287622 BBG001S562W9 21,221,605 58,065 SH   SOLE   0 0 58,065
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 1,060,395 2,264 SH   SOLE   0 0 2,264
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 370,548 1,820 SH   SOLE   0 0 1,820
ISHARES TR RUSEL 2500 ETF 46435G268 BBG00H31MJN5 12,443 12,443 SH   SOLE   0 0 12,443
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 7,028,738 29,049 SH   SOLE   0 0 29,049
ISHARES TR RUSSELL 3000 ETF 464287689 BBG001SFC7Z6 4,045,275 10,675 SH   SOLE   0 0 10,675
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 881,015 7,298 SH   SOLE   0 0 7,298
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 268,256 1,299 SH   SOLE   0 0 1,299
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 6,498,065 60,855 SH   SOLE   0 0 60,855
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 577,668 5,194 SH   SOLE   0 0 5,194
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,316,035 4,172 SH   SOLE   0 0 4,172
LOWES COS INC COM 548661107 BBG001S5SVL3 316,902 1,261 SH   SOLE   0 0 1,261
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 521,848 711 SH   SOLE   0 0 711
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,663,934 3,213 SH   SOLE   0 0 3,213
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 455,367 2,441 SH   SOLE   0 0 2,441
PALANTIR TECHNOLOGIES INC CL A 69608A108 BBG001T53796 357,525 1,960 SH   SOLE   0 0 1,960
PEPSICO INC COM 713448108 BBG001S695T1 231,361 1,647 SH   SOLE   0 0 1,647
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 304,232 3,645 SH   SOLE   0 0 3,645
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 297,517 1,778 SH   SOLE   0 0 1,778
S&P GLOBAL INC COM 78409V104 BBG001S5T5M8 215,283 442 SH   SOLE   0 0 442
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 740,644 31,815 SH   SOLE   0 0 31,815
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 307,110 6,748 SH   SOLE   0 0 6,748
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 765,751 29,072 SH   SOLE   0 0 29,072
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 1,171,396 39,521 SH   SOLE   0 0 39,521
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 959,918 2,700 SH   SOLE   0 0 2,700
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 4,008,876 85,641 SH   SOLE   0 0 85,641
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 4,993,987 7,496 SH   SOLE   0 0 7,496
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 743,993 1,248 SH   SOLE   0 0 1,248
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 430,391 4,392 SH   SOLE   0 0 4,392
SPDR SERIES TRUST S&P 500 ESG ETF 78468R531 BBG00W7DVF50 522,140 8,211 SH   SOLE   0 0 8,211
TJX COS INC NEW COM 872540109 BBG001S5WQ93 328,684 2,274 SH   SOLE   0 0 2,274
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 3,543,369 47,648 SH   SOLE   0 0 47,648
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 2,922,992 13,963 SH   SOLE   0 0 13,963
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 873,849 1,822 SH   SOLE   0 0 1,822
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 18,857,221 64,197 SH   SOLE   0 0 64,197
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 6,195,992 10,118 SH   SOLE   0 0 10,118
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 9,995,596 39,309 SH   SOLE   0 0 39,309
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 4,542,242 13,841 SH   SOLE   0 0 13,841
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 529,894 7,425 SH   SOLE   0 0 7,425
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 2,716,480 50,138 SH   SOLE   0 0 50,138
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 BBG001T0SKD6 248,189 1,741 SH   SOLE   0 0 1,741
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 15,594,646 311,457 SH   SOLE   0 0 311,457
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 5,453,478 91,013 SH   SOLE   0 0 91,013
VANGUARD WELLINGTON FD SHORT TRM TAX EX 921935870 BBG01FQJQMT7 1,409,286 13,827 SH   SOLE   0 0 13,827
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 830,956 5,895 SH   SOLE   0 0 5,895
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 220,993 5,028 SH   SOLE   0 0 5,028
VISA INC COM CL A 92826C839 BBG001SRCFY3 296,082 867 SH   SOLE   0 0 867