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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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CABOT CORP COM 127055101 1,896,975 25,293 SH SOLE 0 0 0 25,293
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 438,422 12,682 SH SOLE 0 0 0 12,682
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 896,114 16,607 SH SOLE 0 0 0 16,607
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 7,128,165 170,489 SH SOLE 0 0 0 170,489
DOUBLELINE ETF TRUST MORTGAGE ETF 25861R402 494,921 10,086 SH SOLE 0 0 0 10,086
EA SERIES TRUST ASTORIA US QUALI 02072L185 599,656 22,153 SH SOLE 0 0 0 22,153
EA SERIES TRUST ASTORIA DYNAMIC 02072Q663 742,145 29,407 SH SOLE 0 0 0 29,407
EA SERIES TRUST ASTORIA US EQUAL 02072L433 843,548 26,189 SH SOLE 0 0 0 26,189
ISHARES INC ESG AWR MSCI EM 46434G863 441,564 11,273 SH SOLE 0 0 0 11,273
ISHARES TR ESG AW MSCI EAFE 46435G516 995,963 11,163 SH SOLE 0 0 0 11,163
ISHARES TR ESG AWR MSCI USA 46435G425 2,488,754 18,394 SH SOLE 0 0 0 18,394
ISHARES TR MSCI USA MMENTM 46432F396 22,055,786 91,777 SH SOLE 0 0 0 91,777
ISHARES TR 0-5 YR TIPS ETF 46429B747 22,587,185 219,485 SH SOLE 0 0 0 219,485
ISHARES TR MBS ETF 464288588 69,302,850 738,128 SH SOLE 0 0 0 738,128
ISHARES TR USD INV GRDE ETF 464288620 71,626,385 1,392,426 SH SOLE 0 0 0 1,392,426
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,065,352 333,901 SH SOLE 0 0 0 333,901
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,396,891 507,238 SH SOLE 0 0 0 507,238
SCHWAB STRATEGIC TR US TIPS ETF 808524870 80,626,838 3,021,995 SH SOLE 0 0 0 3,021,995
SPDR INDEX SHS FDS MSCI EAFE FS ETF 78470E106 656,977 13,872 SH SOLE 0 0 0 13,872
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 7,152,179 176,641 SH SOLE 0 0 0 176,641
SPDR SERIES TRUST PORTFLI INTRMDIT 78464A672 592,001 20,577 SH SOLE 0 0 0 20,577
SPDR SERIES TRUST SPDR S&P 500 ETF 78468R796 19,636,399 385,557 SH SOLE 0 0 0 385,557
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 79,464,469 1,605,019 SH SOLE 0 0 0 1,605,019
VANGUARD INDEX FDS VALUE ETF 922908744 1,847,742 10,455 SH SOLE 0 0 0 10,455
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,769,512 31,097 SH SOLE 0 0 0 31,097
VANGUARD INDEX FDS MID CAP ETF 922908629 3,061,900 10,942 SH SOLE 0 0 0 10,942
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,875,483 20,573 SH SOLE 0 0 0 20,573
VANGUARD INDEX FDS GROWTH ETF 922908736 5,911,386 13,484 SH SOLE 0 0 0 13,484
VANGUARD INDEX FDS TOTAL STK MKT 922908769 24,136,442 79,414 SH SOLE 0 0 0 79,414
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,278,150 42,741 SH SOLE 0 0 0 42,741
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,017,109 61,001 SH SOLE 0 0 0 61,001
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,346,162 46,671 SH SOLE 0 0 0 46,671
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 1,607,549 23,187 SH SOLE 0 0 0 23,187
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 11,108,532 143,651 SH SOLE 0 0 0 143,651
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 11,173,409 241,118 SH SOLE 0 0 0 241,118
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 5,488,746 96,277 SH SOLE 0 0 0 96,277
VANGUARD WORLD FD MEGA CAP INDEX 921910873 14,891,954 66,210 SH SOLE 0 0 0 66,210