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
Estimated average burden
hours per response: 23.8
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
3M CO COM 88579Y101   37,535 313 SH   SOLE   0 0 313
AIR PRODS & CHEMS INC COM 009158106   92,478 300 SH   SOLE   0 0 300
ALTRIA GROUP INC COM 02209S103   23,723 519 SH   SOLE   0 0 519
AMGEN INC COM 031162100   38,083 145 SH   SOLE   0 0 145
AUTOMATIC DATA PROCESSING IN COM 053015103   58,760 246 SH   SOLE   0 0 246
BANK AMERICA CORP COM 060505104   20,733 626 SH   SOLE   0 0 626
BANK NEW YORK MELLON CORP COM 064058100   30,316 666 SH   SOLE   0 0 666
BRISTOL-MYERS SQUIBB CO COM 110122108   20,002 278 SH   SOLE   0 0 278
CHEVRON CORP NEW COM 166764100   70,001 390 SH   SOLE   0 0 390
CISCO SYS INC COM 17275R102   38,112 800 SH   SOLE   0 0 800
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   22,938 1,045 SH   SOLE   0 0 1,045
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   24,790 990 SH   SOLE   0 0 990
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   4,947 230 SH   SOLE   0 0 230
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   168,806 5,553 SH   SOLE   0 0 5,553
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   331,111 7,534 SH   SOLE   0 0 7,534
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   218,869 5,260 SH   SOLE   0 0 5,260
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   94,414 2,820 SH   SOLE   0 0 2,820
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   355,646 6,953 SH   SOLE   0 0 6,953
EMERSON ELEC CO COM 291011104   96,060 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM 29670G102   79,105 1,657 SH   SOLE   0 0 1,657
EXXON MOBIL CORP COM 30231G102   82,504 748 SH   SOLE   0 0 748
Genl Elec Cap Cp Title of Class 36966R6Z4   25,012 25,000 SH   SOLE   0 0 25,000
GENUINE PARTS CO COM 372460105   58,299 336 SH   SOLE   0 0 336
GOLDMAN SACHS GROUP INC COM 38141G104   41,206 120 SH   SOLE   0 0 120
HERSHEY CO COM 427866108   38,209 165 SH   SOLE   0 0 165
Hubbell Inc Cl B Title of Class 443510201   50,456 215 SH   SOLE   0 0 215
INTERNATIONAL BUSINESS MACHS COM 459200101   10,144 72 SH   SOLE   0 0 72
ISHARES TR 1 3 YR TREAS BD 464287457   642,360 7,914 SH   SOLE   0 0 7,914
ISHARES TR BROAD USD HIGH 46435U853   52,831 1,530 SH   SOLE   0 0 1,530
ISHARES TR CORE INTL AGGR 46435G672   354,941 7,465 SH   SOLE   0 0 7,465
ISHARES TR CORE MSCI EAFE 46432F842   320,250 5,195 SH   SOLE   0 0 5,195
ISHARES INC CORE MSCI EMKT 46434G103   37,700 807 SH   SOLE   0 0 807
ISHARES TR CORE MSCI INTL 46435G326   29,669 530 SH   SOLE   0 0 530
ISHARES TR CORE MSCI TOTAL 46432F834   6,256 108 SH   SOLE   0 0 108
ISHARES TR CORE S&P500 ETF 464287200   2,109,952 5,492 SH   SOLE   0 0 5,492
ISHARES TR CORE S&P MCP ETF 464287507   38,614 160 SH   SOLE   0 0 160
ISHARES TR CORE S&P SCP ETF 464287804   46,399 490 SH   SOLE   0 0 490
ISHARES TR CORE S&P TTL STK 464287150   345,246 4,071 SH   SOLE   0 0 4,071
ISHARES TR CORE US AGGBD ET 464287226   3,301,979 34,045 SH   SOLE   0 0 34,045
ISHARES TR MSCI EAFE ETF 464287465   291,726 4,444 SH   SOLE   0 0 4,444
ISHARES TR EAFE SML CP ETF 464288273   659,576 11,678 SH   SOLE   0 0 11,678
ISHARES TR EAFE VALUE ETF 464288877   4,958,275 108,071 SH   SOLE   0 0 108,071
ISHARES TR NATIONAL MUN ETF 464288414   5,812,062 55,080 SH   SOLE   0 0 55,080
ISHARES TR RUS 1000 GRW ETF 464287614   195,495 913 SH   SOLE   0 0 913
ISHARES TR RUS 2000 VAL ETF 464287630   112,395 811 SH   SOLE   0 0 811
ISHARES TR MICRO-CAP ETF 464288869   303,311 2,813 SH   SOLE   0 0 2,813
ISHARES TR S&P 500 GRWT ETF 464287309   984,521 16,829 SH   SOLE   0 0 16,829
ISHARES TR S&P 500 VAL ETF 464287408   467,346 3,222 SH   SOLE   0 0 3,222
ISHARES TR S&P MC 400GR ETF 464287606   203,804 2,984 SH   SOLE   0 0 2,984
ISHARES TR S&P MC 400VL ETF 464287705   145,190 1,440 SH   SOLE   0 0 1,440
ISHARES TR S&P SML 600 GWT 464287887   195,248 1,807 SH   SOLE   0 0 1,807
ISHARES TR SP SMCP600VL ETF 464287879   207,400 2,271 SH   SOLE   0 0 2,271
ISHARES TR SHRT NAT MUN ETF 464288158   4,966,182 47,628 SH   SOLE   0 0 47,628
ISHARES TR US TREAS BD ETF 46429B267   78,499 3,455 SH   SOLE   0 0 3,455
JOHNSON & JOHNSON COM 478160104   80,994 458 SH   SOLE   0 0 458
JPMORGAN CHASE & CO COM 46625H100   38,889 290 SH   SOLE   0 0 290
KIMBERLY-CLARK CORP COM 494368103   16,426 121 SH   SOLE   0 0 121
Ky Rrl Wtr Fin C Title of Class 49140MC49   5,079 5,000 SH   SOLE   0 0 5,000
LILLY ELI & CO COM 532457108   45,730 125 SH   SOLE   0 0 125
MCDONALDS CORP COM 580135101   89,600 340 SH   SOLE   0 0 340
MERCK & CO INC COM 58933Y105   31,066 280 SH   SOLE   0 0 280
MICROSOFT CORP COM 594918104   106,480 444 SH   SOLE   0 0 444
MONDELEZ INTL INC CL A 609207105   22,061 331 SH   SOLE   0 0 331
Nuveen MA Municipal Bond Fund Title of Class 67065N811   292,903 31,976 SH   SOLE   0 0 31,976
ORGANON & CO COMMON STOCK 68622V106   782 28 SH   SOLE   0 0 28
PEPSICO INC COM 713448108   57,269 317 SH   SOLE   0 0 317
PFIZER INC COM 717081103   45,860 895 SH   SOLE   0 0 895
PHILIP MORRIS INTL INC COM 718172109   39,877 394 SH   SOLE   0 0 394
PNC FINL SVCS GROUP INC COM 693475105   19,427 123 SH   SOLE   0 0 123
PROCTER AND GAMBLE CO COM 742718109   78,053 515 SH   SOLE   0 0 515
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   23,773 388 SH   SOLE   0 0 388
RAYTHEON TECHNOLOGIES CORP COM 75513E101   61,965 614 SH   SOLE   0 0 614
SNAP ON INC COM 833034101   42,271 185 SH   SOLE   0 0 185
SPDR S&P 500 ETF TR TR UNIT 78462F103   22,581,378 59,047 SH   SOLE   0 0 59,047
UNITEDHEALTH GROUP INC COM 91324P102   55,669 105 SH   SOLE   0 0 105
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   33,594 670 SH   SOLE   0 0 670
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   64,005 1,525 SH   SOLE   0 0 1,525
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   381,533 9,788 SH   SOLE   0 0 9,788
VANGUARD INDEX FDS GROWTH ETF 922908736   21,267,693 99,797 SH   SOLE   0 0 99,797
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,305,011 31,015 SH   SOLE   0 0 31,015
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   140,301 1,810 SH   SOLE   0 0 1,810
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   74,770 907 SH   SOLE   0 0 907
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   183,104 1,051 SH   SOLE   0 0 1,051
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   540,750 9,810 SH   SOLE   0 0 9,810
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,065,769 16,007 SH   SOLE   0 0 16,007
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   11,217,242 149,185 SH   SOLE   0 0 149,185
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   485,481 6,449 SH   SOLE   0 0 6,449
VANGUARD INDEX FDS SMALL CP ETF 922908751   645,936 3,519 SH   SOLE   0 0 3,519
VANGUARD INDEX FDS SML CP GRW ETF 922908595   11,349,813 56,596 SH   SOLE   0 0 56,596
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,877,571 24,418 SH   SOLE   0 0 24,418
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,002,458 13,954 SH   SOLE   0 0 13,954
VANGUARD STAR FDS VG TL INTL STK F 921909768   294,558 5,695 SH   SOLE   0 0 5,695
VANGUARD INDEX FDS VALUE ETF 922908744   232,082 1,653 SH   SOLE   0 0 1,653
Wyeth Notes Cpn Title of Class 983024AF7   10,699 10,000 SH   SOLE   0 0 10,000