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
AT&T INC COM 00206R102   563,294 29,262 SH   SOLE   0 0 29,262
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   488,684 27,877 SH   SOLE   0 0 27,877
ALPHABET INC CAP STK CL A 02079K305   228,206 2,200 SH   SOLE   0 0 2,200
AMERICAN CENTY ETF TR US SML CP VALU 025072877   769,039 10,384 SH   SOLE   0 0 10,384
AMERICAN EXPRESS CO COM 025816109   2,873,429 17,420 SH   SOLE   0 0 17,420
AMERIPRISE FINL INC COM 03076C106   2,454,759 8,009 SH   SOLE   0 0 8,009
APPLE INC COM 037833100   3,825,680 23,200 SH   SOLE   0 0 23,200
BANK AMERICA CORP COM 060505104   632,978 22,132 SH   SOLE   0 0 22,132
BLACK HILLS CORP COM 092113109   357,146 5,660 SH   SOLE   0 0 5,660
CHEVRON CORP NEW COM 166764100   224,998 1,379 SH   SOLE   0 0 1,379
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   377,060 13,106 SH   SOLE   0 0 13,106
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,587,853 58,154 SH   SOLE   0 0 58,154
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,078,332 81,567 SH   SOLE   0 0 81,567
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   522,901 21,966 SH   SOLE   0 0 21,966
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,521,702 140,295 SH   SOLE   0 0 140,295
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   6,718,736 291,359 SH   SOLE   0 0 291,359
HARBORONE BANCORP INC NEW COM NEW 41165Y100   1,204,089 98,696 SH   SOLE   0 0 98,696
INDEPENDENT BK CORP MASS COM 453836108   417,212 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150   22,519,327 248,695 SH   SOLE   0 0 248,695
ISHARES TR CORE S&P500 ETF 464287200   30,844,956 75,034 SH   SOLE   0 0 75,034
ISHARES TR MSCI EMG MKT ETF 464287234   384,530 9,745 SH   SOLE   0 0 9,745
ISHARES TR S&P 500 GRWT ETF 464287309   1,004,095 15,716 SH   SOLE   0 0 15,716
ISHARES TR S&P 500 VAL ETF 464287408   742,410 4,892 SH   SOLE   0 0 4,892
ISHARES TR MSCI EAFE ETF 464287465   1,791,949 25,055 SH   SOLE   0 0 25,055
ISHARES TR RUS MID CAP ETF 464287499   202,908 2,902 SH   SOLE   0 0 2,902
ISHARES TR COHEN STEER REIT 464287564   1,341,549 24,155 SH   SOLE   0 0 24,155
ISHARES TR RUS 1000 VAL ETF 464287598   1,373,689 9,022 SH   SOLE   0 0 9,022
ISHARES TR RUSSELL 2000 ETF 464287655   10,938,342 61,314 SH   SOLE   0 0 61,314
ISHARES TR SP SMCP600VL ETF 464287879   784,378 8,381 SH   SOLE   0 0 8,381
ISHARES TR NATIONAL MUN ETF 464288414   574,784 5,335 SH   SOLE   0 0 5,335
ISHARES TR EAFE VALUE ETF 464288877   1,431,975 29,507 SH   SOLE   0 0 29,507
ISHARES TR CORE MSCI TOTAL 46432F834   2,177,109 35,143 SH   SOLE   0 0 35,143
ISHARES TR CORE MSCI EAFE 46432F842   2,900,553 43,389 SH   SOLE   0 0 43,389
ISHARES INC CORE MSCI EMKT 46434G103   6,376,736 130,698 SH   SOLE   0 0 130,698
ISHARES TR CORE MSCI INTL 46435G326   10,086,840 166,807 SH   SOLE   0 0 166,807
ISHARES TR MSCI INTL VLU FT 46435G409   807,857 32,588 SH   SOLE   0 0 32,588
MERCK & CO INC COM 58933Y105   323,851 3,044 SH   SOLE   0 0 3,044
MICROSOFT CORP COM 594918104   1,152,132 3,996 SH   SOLE   0 0 3,996
NEXTERA ENERGY INC COM 65339F101   203,183 2,636 SH   SOLE   0 0 2,636
PALO ALTO NETWORKS INC COM 697435105   299,610 1,500 SH   SOLE   0 0 1,500
PEPSICO INC COM 713448108   618,726 3,394 SH   SOLE   0 0 3,394
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,305,844 13,334 SH   SOLE   0 0 13,334
SPDR S&P 500 ETF TR TR UNIT 78462F103   204,695 500 SH   SOLE   0 0 500
SPDR SER TR S&P 600 SMCP VAL 78464A300   18,375,880 241,217 SH   SOLE   0 0 241,217
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   711,917 10,924 SH   SOLE   0 0 10,924
UNITEDHEALTH GROUP INC COM 91324P102   1,023,211 2,165 SH   SOLE   0 0 2,165
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   434,922 5,686 SH   SOLE   0 0 5,686
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,784,135 105,914 SH   SOLE   0 0 105,914
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   374,622 7,834 SH   SOLE   0 0 7,834
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,906,516 47,191 SH   SOLE   0 0 47,191
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   941,852 15,708 SH   SOLE   0 0 15,708
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   839,402 10,108 SH   SOLE   0 0 10,108
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,084,719 34,712 SH   SOLE   0 0 34,712
VERIZON COMMUNICATIONS INC COM 92343V104   359,266 9,238 SH   SOLE   0 0 9,238
WALMART INC COM 931142103   325,610 2,208 SH   SOLE   0 0 2,208
YUM BRANDS INC COM 988498101   346,710 2,625 SH   SOLE   0 0 2,625