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 613 29,262 SH   SOLE   0 0 29,262
ALPHABET INC CAP STK CL C 02079K107 214 98 SH   SOLE   0 0 98
ALPHABET INC CAP STK CL A 02079K305 909 417 SH   SOLE   0 0 417
APPLE INC COM 037833100 1,720 12,580 SH   SOLE   0 0 12,580
BK OF AMERICA CORP COM 060505104 645 20,725 SH   SOLE   0 0 20,725
BLACK HILLS CORP COM 092113109 500 6,865 SH   SOLE   0 0 6,865
CVS HEALTH CORP COM 126650100 294 3,178 SH   SOLE   0 0 3,178
CHEVRON CORP NEW COM 166764100 225 1,554 SH   SOLE   0 0 1,554
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 267 10,114 SH   SOLE   0 0 10,114
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,671 41,547 SH   SOLE   0 0 41,547
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,476 63,363 SH   SOLE   0 0 63,363
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,094 107,081 SH   SOLE   0 0 107,081
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 6,234 290,773 SH   SOLE   0 0 290,773
HARBORONE BANCORP INC NEW COM NEW 41165Y100 1,361 98,693 SH   SOLE   0 0 98,693
INDEPENDENT BK CORP MASS COM 453836108 505 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150 19,020 227,024 SH   SOLE   0 0 227,024
ISHARES TR CORE S&P500 ETF 464287200 28,740 75,802 SH   SOLE   0 0 75,802
ISHARES TR MSCI EMG MKT ETF 464287234 660 16,447 SH   SOLE   0 0 16,447
ISHARES TR S&P 500 GRWT ETF 464287309 948 15,716 SH   SOLE   0 0 15,716
ISHARES TR S&P 500 VAL ETF 464287408 672 4,892 SH   SOLE   0 0 4,892
ISHARES TR MSCI EAFE ETF 464287465 1,766 28,260 SH   SOLE   0 0 28,260
ISHARES TR COHEN STEER REIT 464287564 1,332 21,927 SH   SOLE   0 0 21,927
ISHARES TR RUS 1000 VAL ETF 464287598 1,313 9,059 SH   SOLE   0 0 9,059
ISHARES TR RUSSELL 2000 ETF 464287655 10,449 61,695 SH   SOLE   0 0 61,695
ISHARES TR SP SMCP600VL ETF 464287879 865 9,719 SH   SOLE   0 0 9,719
ISHARES TR EAFE SML CP ETF 464288273 236 4,322 SH   SOLE   0 0 4,322
ISHARES TR NATIONAL MUN ETF 464288414 567 5,335 SH   SOLE   0 0 5,335
ISHARES TR EAFE VALUE ETF 464288877 1,379 31,773 SH   SOLE   0 0 31,773
ISHARES TR CORE MSCI TOTAL 46432F834 1,920 33,662 SH   SOLE   0 0 33,662
ISHARES TR CORE MSCI EAFE 46432F842 3,290 55,912 SH   SOLE   0 0 55,912
ISHARES INC CORE MSCI EMKT 46434G103 5,214 106,270 SH   SOLE   0 0 106,270
ISHARES TR CORE MSCI INTL 46435G326 6,060 112,772 SH   SOLE   0 0 112,772
ISHARES TR MSCI INTL VLU FT 46435G409 336 15,168 SH   SOLE   0 0 15,168
MERCK & CO INC COM 58933Y105 366 4,009 SH   SOLE   0 0 4,009
MICROSOFT CORP COM 594918104 1,000 3,892 SH   SOLE   0 0 3,892
NEXTERA ENERGY INC COM 65339F101 204 2,636 SH   SOLE   0 0 2,636
PEPSICO INC COM 713448108 566 3,394 SH   SOLE   0 0 3,394
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,249 12,997 SH   SOLE   0 0 12,997
SPDR SER TR S&P 600 SMCP VAL 78464A300 18,733 258,705 SH   SOLE   0 0 258,705
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 633 10,924 SH   SOLE   0 0 10,924
UNITEDHEALTH GROUP INC COM 91324P102 1,084 2,111 SH   SOLE   0 0 2,111
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 382 4,975 SH   SOLE   0 0 4,975
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,251 55,172 SH   SOLE   0 0 55,172
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 268 5,341 SH   SOLE   0 0 5,341
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 936 22,470 SH   SOLE   0 0 22,470
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 620 10,144 SH   SOLE   0 0 10,144
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 921 10,113 SH   SOLE   0 0 10,113
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,114 11,208 SH   SOLE   0 0 11,208
VERIZON COMMUNICATIONS INC COM 92343V104 469 9,238 SH   SOLE   0 0 9,238
WALMART INC COM 931142103 268 2,208 SH   SOLE   0 0 2,208
YUM BRANDS INC COM 988498101 298 2,625 SH   SOLE   0 0 2,625