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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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 720 29,262 SH   SOLE   0 0 29,262
ALPHABET INC CAP STK CL C 02079K107 284 98 SH   SOLE   0 0 98
APPLE INC COM 037833100 293 1,652 SH   SOLE   0 0 1,652
BK OF AMERICA CORP COM 060505104 922 20,723 SH   SOLE   0 0 20,723
BLACK HILLS CORP COM 092113109 484 6,865 SH   SOLE   0 0 6,865
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 966 20,333 SH   SOLE   0 0 20,333
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 2,080 71,815 SH   SOLE   0 0 71,815
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,686 81,827 SH   SOLE   0 0 81,827
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 8,366 320,397 SH   SOLE   0 0 320,397
HARBORONE BANCORP INC NEW COM NEW 41165Y100 1,465 98,691 SH   SOLE   0 0 98,691
INDEPENDENT BK CORP MASS COM 453836108 518 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150 10,230 95,625 SH   SOLE   0 0 95,625
ISHARES TR CORE S&P500 ETF 464287200 39,541 82,897 SH   SOLE   0 0 82,897
ISHARES TR CORE US AGGBD ET 464287226 340 2,979 SH   SOLE   0 0 2,979
ISHARES TR MSCI EMG MKT ETF 464287234 652 13,344 SH   SOLE   0 0 13,344
ISHARES TR S&P 500 GRWT ETF 464287309 1,315 15,716 SH   SOLE   0 0 15,716
ISHARES TR S&P 500 VAL ETF 464287408 766 4,892 SH   SOLE   0 0 4,892
ISHARES TR MSCI EAFE ETF 464287465 2,224 28,260 SH   SOLE   0 0 28,260
ISHARES TR COHEN STEER REIT 464287564 1,851 24,335 SH   SOLE   0 0 24,335
ISHARES TR RUS 1000 VAL ETF 464287598 1,521 9,059 SH   SOLE   0 0 9,059
ISHARES TR RUSSELL 2000 ETF 464287655 14,138 63,556 SH   SOLE   0 0 63,556
ISHARES TR SP SMCP600VL ETF 464287879 1,096 10,485 SH   SOLE   0 0 10,485
ISHARES TR EAFE SML CP ETF 464288273 376 5,148 SH   SOLE   0 0 5,148
ISHARES TR NATIONAL MUN ETF 464288414 620 5,335 SH   SOLE   0 0 5,335
ISHARES TR EAFE VALUE ETF 464288877 1,778 35,289 SH   SOLE   0 0 35,289
ISHARES TR CORE MSCI TOTAL 46432F834 2,548 35,918 SH   SOLE   0 0 35,918
ISHARES TR CORE MSCI EAFE 46432F842 4,433 59,387 SH   SOLE   0 0 59,387
ISHARES INC CORE MSCI EMKT 46434G103 5,110 85,365 SH   SOLE   0 0 85,365
ISHARES TR CORE MSCI INTL 46435G326 3,760 55,653 SH   SOLE   0 0 55,653
MICROSOFT CORP COM 594918104 906 2,694 SH   SOLE   0 0 2,694
NEXTERA ENERGY INC COM 65339F101 246 2,636 SH   SOLE   0 0 2,636
PEPSICO INC COM 713448108 590 3,394 SH   SOLE   0 0 3,394
RAYTHEON TECHNOLOGIES CORP COM 75513E101 699 8,120 SH   SOLE   0 0 8,120
SPDR S&P 500 ETF TR TR UNIT 78462F103 287 604 SH   SOLE   0 0 604
SPDR SER TR S&P 600 SMCP VAL 78464A300 23,763 280,488 SH   SOLE   0 0 280,488
SPDR SER TR PORTFOLIO S&P600 78468R853 263 5,875 SH   SOLE   0 0 5,875
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 751 4,589 SH   SOLE   0 0 4,589
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,643 42,265 SH   SOLE   0 0 42,265
UNITEDHEALTH GROUP INC COM 91324P102 971 1,934 SH   SOLE   0 0 1,934
VANGUARD WORLD FD ESG INTL STK ETF 921910725 584 9,410 SH   SOLE   0 0 9,410
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 253 3,132 SH   SOLE   0 0 3,132
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 539 10,906 SH   SOLE   0 0 10,906
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 421 6,327 SH   SOLE   0 0 6,327
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,289 11,110 SH   SOLE   0 0 11,110
VANGUARD INDEX FDS MID CAP ETF 922908629 526 2,065 SH   SOLE   0 0 2,065
VANGUARD INDEX FDS TOTAL STK MKT 922908769 610 2,526 SH   SOLE   0 0 2,526
VERIZON COMMUNICATIONS INC COM 92343V104 483 9,291 SH   SOLE   0 0 9,291
WALMART INC COM 931142103 319 2,208 SH   SOLE   0 0 2,208
YUM BRANDS INC COM 988498101 365 2,625 SH   SOLE   0 0 2,625