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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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   431,637 28,738 SH   SOLE   0 0 28,738
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   386,562 21,154 SH   SOLE   0 0 21,154
ALPHABET INC CAP STK CL A 02079K305   327,150 2,500 SH   SOLE   0 0 2,500
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   889,444 15,375 SH   SOLE   0 0 15,375
AMERICAN CENTY ETF TR US SML CP VALU 025072877   208,438 2,674 SH   SOLE   0 0 2,674
AMERICAN EXPRESS CO COM 025816109   2,431,051 16,295 SH   SOLE   0 0 16,295
AMERIPRISE FINL INC COM 03076C106   2,640,407 8,009 SH   SOLE   0 0 8,009
APPLE INC COM 037833100   4,281,791 25,009 SH   SOLE   0 0 25,009
BANK AMERICA CORP COM 060505104   606,059 22,135 SH   SOLE   0 0 22,135
BLACK HILLS CORP COM 092113109   286,339 5,660 SH   SOLE   0 0 5,660
BROADCOM INC COM 11135F101   251,666 303 SH   SOLE   0 0 303
CHEVRON CORP NEW COM 166764100   235,141 1,395 SH   SOLE   0 0 1,395
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   392,525 13,106 SH   SOLE   0 0 13,106
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   348,621 13,352 SH   SOLE   0 0 13,352
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   986,534 21,193 SH   SOLE   0 0 21,193
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,386,093 74,110 SH   SOLE   0 0 74,110
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,028,118 77,409 SH   SOLE   0 0 77,409
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   454,405 19,494 SH   SOLE   0 0 19,494
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   869,920 36,582 SH   SOLE   0 0 36,582
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,955,696 151,922 SH   SOLE   0 0 151,922
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   6,902,671 306,513 SH   SOLE   0 0 306,513
HARBORONE BANCORP INC NEW COM NEW 41165Y100   274,553 28,840 SH   SOLE   0 0 28,840
INDEPENDENT BK CORP MASS COM 453836108   312,114 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150   26,043,312 276,498 SH   SOLE   0 0 276,498
ISHARES TR CORE S&P500 ETF 464287200   32,147,967 74,862 SH   SOLE   0 0 74,862
ISHARES TR MSCI EMG MKT ETF 464287234   315,015 8,301 SH   SOLE   0 0 8,301
ISHARES TR S&P 500 GRWT ETF 464287309   1,047,373 15,308 SH   SOLE   0 0 15,308
ISHARES TR S&P 500 VAL ETF 464287408   718,279 4,669 SH   SOLE   0 0 4,669
ISHARES TR MSCI EAFE ETF 464287465   1,813,093 26,307 SH   SOLE   0 0 26,307
ISHARES TR RUS MID CAP ETF 464287499   200,964 2,902 SH   SOLE   0 0 2,902
ISHARES TR COHEN STEER REIT 464287564   1,001,728 19,971 SH   SOLE   0 0 19,971
ISHARES TR RUS 1000 VAL ETF 464287598   1,359,092 8,952 SH   SOLE   0 0 8,952
ISHARES TR RUSSELL 2000 ETF 464287655   10,460,812 59,188 SH   SOLE   0 0 59,188
ISHARES TR SP SMCP600VL ETF 464287879   747,753 8,381 SH   SOLE   0 0 8,381
ISHARES TR NATIONAL MUN ETF 464288414   496,490 4,842 SH   SOLE   0 0 4,842
ISHARES TR EAFE VALUE ETF 464288877   1,443,778 29,507 SH   SOLE   0 0 29,507
ISHARES TR CORE MSCI TOTAL 46432F834   2,047,759 34,135 SH   SOLE   0 0 34,135
ISHARES TR CORE MSCI EAFE 46432F842   2,794,783 43,431 SH   SOLE   0 0 43,431
ISHARES INC CORE MSCI EMKT 46434G103   7,029,929 147,719 SH   SOLE   0 0 147,719
ISHARES TR CORE MSCI INTL 46435G326   11,887,319 203,969 SH   SOLE   0 0 203,969
ISHARES TR MSCI INTL VLU FT 46435G409   712,312 28,088 SH   SOLE   0 0 28,088
MERCK & CO INC COM 58933Y105   322,263 3,130 SH   SOLE   0 0 3,130
MICROSOFT CORP COM 594918104   1,272,882 4,031 SH   SOLE   0 0 4,031
PALO ALTO NETWORKS INC COM 697435105   351,660 1,500 SH   SOLE   0 0 1,500
PEPSICO INC COM 713448108   581,010 3,429 SH   SOLE   0 0 3,429
RTX CORPORATION COM 75513E101   978,250 13,592 SH   SOLE   0 0 13,592
SPDR S&P 500 ETF TR TR UNIT 78462F103   213,740 500 SH   SOLE   0 0 500
SPDR SER TR S&P 600 SMCP VAL 78464A300   16,904,965 233,591 SH   SOLE   0 0 233,591
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   794,393 10,924 SH   SOLE   0 0 10,924
UNITEDHEALTH GROUP INC COM 91324P102   1,106,480 2,195 SH   SOLE   0 0 2,195
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   545,208 7,253 SH   SOLE   0 0 7,253
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,553,176 104,144 SH   SOLE   0 0 104,144
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   408,594 8,642 SH   SOLE   0 0 8,642
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,467,513 37,427 SH   SOLE   0 0 37,427
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,076,363 18,834 SH   SOLE   0 0 18,834
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   757,917 10,017 SH   SOLE   0 0 10,017
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,252,076 29,434 SH   SOLE   0 0 29,434
VERIZON COMMUNICATIONS INC COM 92343V104   299,404 9,238 SH   SOLE   0 0 9,238
WALMART INC COM 931142103   356,367 2,228 SH   SOLE   0 0 2,228
YUM BRANDS INC COM 988498101   327,968 2,625 SH   SOLE   0 0 2,625