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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CABOT CORP COM 127055101 1,059 16,887 SH   SOLE 0 0 0 16,887
CABOT MICROELECTRONICS CORP COM 12709P103 1,760 17,058 SH   SOLE 0 0 0 17,058
ISHARES TR TIPS BD ETF 464287176 543 4,909 SH   SOLE 0 0 0 4,909
ISHARES TR CORE US AGGBD ET 464287226 9,389 88,978 SH   SOLE 0 0 0 88,978
ISHARES TR MSCI EMG MKT ETF 464287234 278 6,479 SH   SOLE 0 0 0 6,479
ISHARES TR S&P 500 VAL ETF 464287408 408 3,526 SH   SOLE 0 0 0 3,526
ISHARES TR MSCI EAFE ETF 464287465 268 3,936 SH   SOLE 0 0 0 3,936
ISHARES TR SP SMCP600VL ETF 464287879 241 1,444 SH   SOLE 0 0 0 1,444
ISHARES TR NATIONAL MUN ETF 464288414 234 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR 0-5 YR TIPS ETF 46429B747 2,116 21,419 SH   SOLE 0 0 0 21,419
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,057 3,635 SH   SOLE 0 0 0 3,635
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 10,341 148,666 SH   SOLE 0 0 0 148,666
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 75,585 1,504,176 SH   SOLE 0 0 0 1,504,176
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,614 38,666 SH   SOLE 0 0 0 38,666
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,231 59,878 SH   SOLE 0 0 0 59,878
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 10,359 131,620 SH   SOLE 0 0 0 131,620
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,025 93,018 SH   SOLE 0 0 0 93,018
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 6,631 137,097 SH   SOLE 0 0 0 137,097
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 48,385 887,146 SH   SOLE 0 0 0 887,146
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 406 7,225 SH   SOLE 0 0 0 7,225
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 263 3,468 SH   SOLE 0 0 0 3,468
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,459 35,582 SH   SOLE 0 0 0 35,582
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,602 11,981 SH   SOLE 0 0 0 11,981
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 15,452 57,862 SH   SOLE 0 0 0 57,862
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,871 60,380 SH   SOLE 0 0 0 60,380
VANGUARD INDEX FDS GROWTH ETF 922908736 1,852 11,501 SH   SOLE 0 0 0 11,501
VANGUARD INDEX FDS VALUE ETF 922908744 2,325 21,006 SH   SOLE 0 0 0 21,006
VANGUARD INDEX FDS SMALL CP ETF 922908751 707 4,351 SH   SOLE 0 0 0 4,351
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,081 60,679 SH   SOLE 0 0 0 60,679