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
CABOT CORP COM 127055101 315 5,117 SH   SOLE 0 0 0 5,117
CABOT MICROELECTRONICS C COM 12709P103 934 9,925 SH   SOLE 0 0 0 9,925
ISHARES TR TIPS BD ETF 464287176 586 5,132 SH   SOLE 0 0 0 5,132
ISHARES TR CORE US AGGBD ET 464287226 17,094 156,355 SH   SOLE 0 0 0 156,355
ISHARES TR MSCI EMG MKT ETF 464287234 305 6,479 SH   SOLE 0 0 0 6,479
ISHARES TR S&P 500 VAL ETF 464287408 394 3,451 SH   SOLE 0 0 0 3,451
ISHARES TR MSCI EAFE ETF 464287465 277 3,936 SH   SOLE 0 0 0 3,936
ISHARES TR NATIONAL MUN ETF 464288414 272 2,456 SH   SOLE 0 0 0 2,456
ISHARES TR 0-5 YR TIPS ETF 46429B747 436 4,368 SH   SOLE 0 0 0 4,368
ISHARES INC CORE MSCI EMKT 46434G103 450 7,911 SH   SOLE 0 0 0 7,911
SPDR S&P 500 ETF TR TR UNIT 78462F103 949 3,557 SH   SOLE 0 0 0 3,557
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,054 94,922 SH   SOLE 0 0 0 94,922
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 59,229 1,138,139 SH   SOLE 0 0 0 1,138,139
SCHWAB STRATEGIC TR US REIT ETF 808524847 837 20,105 SH   SOLE 0 0 0 20,105
SCHWAB STRATEGIC TR US TIPS ETF 808524870 2,836 51,156 SH   SOLE 0 0 0 51,156
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 12,947 158,724 SH   SOLE 0 0 0 158,724
VANGUARD TAX MANAGED INT FTSE DEV MKT ETF 921943858 3,817 85,091 SH   SOLE 0 0 0 85,091
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 7,427 152,131 SH   SOLE 0 0 0 152,131
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 43,954 808,426 SH   SOLE 0 0 0 808,426
VANGUARD INTL EQUITY IND GLB EX US ETF 922042676 352 5,820 SH   SOLE 0 0 0 5,820
VANGUARD INTL EQUITY IND TT WRLD ST ETF 922042742 232 3,122 SH   SOLE 0 0 0 3,122
VANGUARD INTL EQUITY IND FTSE EMR MKT ETF 922042858 1,667 36,318 SH   SOLE 0 0 0 36,318
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,654 13,469 SH   SOLE 0 0 0 13,469
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,449 62,982 SH   SOLE 0 0 0 62,982
VANGUARD INDEX FDS REIT ETF 922908553 5,030 60,613 SH   SOLE 0 0 0 60,613
VANGUARD INDEX FDS GROWTH ETF 922908736 1,618 11,501 SH   SOLE 0 0 0 11,501
VANGUARD INDEX FDS VALUE ETF 922908744 2,035 19,143 SH   SOLE 0 0 0 19,143
VANGUARD INDEX FDS SMALL CP ETF 922908751 506 3,426 SH   SOLE 0 0 0 3,426
VANGUARD INDEX FDS TOTAL STK MKT 922908769 8,235 60,003 SH   SOLE 0 0 0 60,003