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   31,328 313 SH   SOLE   0 0 313
AIR PRODS & CHEMS INC COM 009158106   89,859 300 SH   SOLE   0 0 300
ALTRIA GROUP INC COM 02209S103   23,511 519 SH   SOLE   0 0 519
AMGEN INC COM 031162100   32,193 145 SH   SOLE   0 0 145
AUTOMATIC DATA PROCESSING IN COM 053015103   54,068 246 SH   SOLE   0 0 246
BANK AMERICA CORP COM 060505104   17,960 626 SH   SOLE   0 0 626
BANK NEW YORK MELLON CORP COM 064058100   29,650 666 SH   SOLE   0 0 666
BRISTOL-MYERS SQUIBB CO COM 110122108   17,778 278 SH   SOLE   0 0 278
CHEVRON CORP NEW COM 166764100   61,366 390 SH   SOLE   0 0 390
CISCO SYS INC COM 17275R102   41,392 800 SH   SOLE   0 0 800
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   24,516 1,045 SH   SOLE   0 0 1,045
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   176,582 6,463 SH   SOLE   0 0 6,463
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   8,321 365 SH   SOLE   0 0 365
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   232,764 7,086 SH   SOLE   0 0 7,086
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   95,140 3,070 SH   SOLE   0 0 3,070
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   293,050 11,537 SH   SOLE   0 0 11,537
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   434,209 9,360 SH   SOLE   0 0 9,360
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   253,322 5,260 SH   SOLE   0 0 5,260
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   97,290 2,820 SH   SOLE   0 0 2,820
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   610,343 11,138 SH   SOLE   0 0 11,138
LILLY ELI & CO COM 532457108   58,622 125 SH   SOLE   0 0 125
EMERSON ELEC CO COM 291011104   90,390 1,000 SH   SOLE   0 0 1,000
ESSENTIAL UTILS INC COM 29670G102   66,144 1,657 SH   SOLE   0 0 1,657
EXXON MOBIL CORP COM 30231G102   80,223 748 SH   SOLE   0 0 748
GENUINE PARTS CO COM 372460105   56,861 336 SH   SOLE   0 0 336
GOLDMAN SACHS GROUP INC COM 38141G104   38,705 120 SH   SOLE   0 0 120
HERSHEY CO COM 427866108   41,200 165 SH   SOLE   0 0 165
Hubbell Inc Cl B Title of Class 443510201   71,285 215 SH   SOLE   0 0 215
INTERNATIONAL BUSINESS MACHS COM 459200101   9,634 72 SH   SOLE   0 0 72
ISHARES TR 1 3 YR TREAS BD 464287457   643,953 7,942 SH   SOLE   0 0 7,942
ISHARES TR ISHS 5-10YR INVT 464288638   79,901 1,580 SH   SOLE   0 0 1,580
ISHARES TR BROAD USD HIGH 46435U853   54,009 1,530 SH   SOLE   0 0 1,530
ISHARES TR CORE INTL AGGR 46435G672   640,257 12,990 SH   SOLE   0 0 12,990
ISHARES TR CORE MSCI EAFE 46432F842   355,213 5,262 SH   SOLE   0 0 5,262
ISHARES INC CORE MSCI EMKT 46434G103   39,791 807 SH   SOLE   0 0 807
ISHARES TR CORE MSCI INTL 46435G326   32,394 530 SH   SOLE   0 0 530
ISHARES TR CORE MSCI TOTAL 46432F834   9,735 155 SH   SOLE   0 0 155
ISHARES TR CORE S&P500 ETF 464287200   2,684,404 6,023 SH   SOLE   0 0 6,023
ISHARES TR CORE S&P MCP ETF 464287507   42,024 161 SH   SOLE   0 0 161
ISHARES TR CORE S&P SCP ETF 464287804   49,064 492 SH   SOLE   0 0 492
ISHARES TR CORE S&P TTL STK 464287150   400,284 4,091 SH   SOLE   0 0 4,091
ISHARES TR CORE US AGGBD ET 464287226   3,839,787 39,202 SH   SOLE   0 0 39,202
ISHARES TR MSCI EAFE ETF 464287465   322,214 4,444 SH   SOLE   0 0 4,444
ISHARES TR EAFE SML CP ETF 464288273   704,691 11,948 SH   SOLE   0 0 11,948
ISHARES TR EAFE VALUE ETF 464288877   5,354,217 109,404 SH   SOLE   0 0 109,404
ISHARES TR NATIONAL MUN ETF 464288414   6,028,041 56,479 SH   SOLE   0 0 56,479
ISHARES TR RUS 1000 ETF 464287622   106,703 438 SH   SOLE   0 0 438
ISHARES TR RUS 1000 GRW ETF 464287614   251,453 914 SH   SOLE   0 0 914
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   67,078 425 SH   SOLE   0 0 425
ISHARES TR RUS 2000 VAL ETF 464287630   114,122 811 SH   SOLE   0 0 811
ISHARES TR MICRO-CAP ETF 464288869   317,520 2,905 SH   SOLE   0 0 2,905
ISHARES TR S&P 500 GRWT ETF 464287309   1,186,138 16,829 SH   SOLE   0 0 16,829
ISHARES TR S&P 500 VAL ETF 464287408   519,277 3,222 SH   SOLE   0 0 3,222
ISHARES TR S&P MC 400GR ETF 464287606   223,797 2,984 SH   SOLE   0 0 2,984
ISHARES TR S&P MC 400VL ETF 464287705   154,307 1,440 SH   SOLE   0 0 1,440
ISHARES TR S&P SML 600 GWT 464287887   207,642 1,807 SH   SOLE   0 0 1,807
ISHARES TR SP SMCP600VL ETF 464287879   215,986 2,271 SH   SOLE   0 0 2,271
ISHARES TR SHORT TREAS BD 464288679   160,152 1,450 SH   SOLE   0 0 1,450
ISHARES TR SHRT NAT MUN ETF 464288158   5,122,770 49,238 SH   SOLE   0 0 49,238
ISHARES TR US TREAS BD ETF 46429B267   79,902 3,489 SH   SOLE   0 0 3,489
JOHNSON & JOHNSON COM 478160104   76,699 463 SH   SOLE   0 0 463
JPMORGAN CHASE & CO COM 46625H100   42,178 290 SH   SOLE   0 0 290
KIMBERLY-CLARK CORP COM 494368103   16,705 121 SH   SOLE   0 0 121
Ky Rrl Wtr Fin C Title of Class 49140MC49   5,079 5,000 SH   SOLE   0 0 5,000
MCDONALDS CORP COM 580135101   101,459 340 SH   SOLE   0 0 340
MERCK & CO INC COM 58933Y105   32,309 280 SH   SOLE   0 0 280
MICROSOFT CORP COM 594918104   151,200 444 SH   SOLE   0 0 444
MONDELEZ INTL INC CL A 609207105   24,143 331 SH   SOLE   0 0 331
Nuveen MA Municipal Bond Fund Title of Class 67065N811   333,932 35,984 SH   SOLE   0 0 35,984
ORGANON & CO COMMON STOCK 68622V106   583 28 SH   SOLE   0 0 28
PEPSICO INC COM 713448108   58,715 317 SH   SOLE   0 0 317
PFIZER INC COM 717081103   32,829 895 SH   SOLE   0 0 895
PHILIP MORRIS INTL INC COM 718172109   38,462 394 SH   SOLE   0 0 394
PNC FINL SVCS GROUP INC COM 693475105   15,492 123 SH   SOLE   0 0 123
PROCTER AND GAMBLE CO COM 742718109   78,146 515 SH   SOLE   0 0 515
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   24,293 388 SH   SOLE   0 0 388
RAYTHEON TECHNOLOGIES CORP COM 75513E101   60,147 614 SH   SOLE   0 0 614
SNAP ON INC COM 833034101   53,315 185 SH   SOLE   0 0 185
SPDR S&P 500 ETF TR TR UNIT 78462F103   25,787,105 58,173 SH   SOLE   0 0 58,173
UNITEDHEALTH GROUP INC COM 91324P102   50,467 105 SH   SOLE   0 0 105
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   36,455 670 SH   SOLE   0 0 670
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   71,359 1,545 SH   SOLE   0 0 1,545
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   399,840 9,829 SH   SOLE   0 0 9,829
VANGUARD INDEX FDS GROWTH ETF 922908736   27,676,745 97,812 SH   SOLE   0 0 97,812
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,377,979 31,609 SH   SOLE   0 0 31,609
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   558,526 7,067 SH   SOLE   0 0 7,067
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   75,749 907 SH   SOLE   0 0 907
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   213,322 1,058 SH   SOLE   0 0 1,058
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   986,300 13,939 SH   SOLE   0 0 13,939
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   1,162,275 16,793 SH   SOLE   0 0 16,793
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   12,446,682 164,508 SH   SOLE   0 0 164,508
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   566,699 7,499 SH   SOLE   0 0 7,499
VANGUARD INDEX FDS SMALL CP ETF 922908751   738,742 3,714 SH   SOLE   0 0 3,714
VANGUARD INDEX FDS SML CP GRW ETF 922908595   13,011,415 56,635 SH   SOLE   0 0 56,635
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,976,160 24,040 SH   SOLE   0 0 24,040
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,020,290 14,036 SH   SOLE   0 0 14,036
VANGUARD STAR FDS VG TL INTL STK F 921909768   322,400 5,749 SH   SOLE   0 0 5,749
VANGUARD INDEX FDS VALUE ETF 922908744   234,942 1,653 SH   SOLE   0 0 1,653