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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CABOT CORP COM 127055101   2,705 35,300 SH   SOLE 0 0 0 35,300
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   5,075 114,035 SH   SOLE 0 0 0 114,035
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   8,281 247,335 SH   SOLE 0 0 0 247,335
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   2,929 68,386 SH   SOLE 0 0 0 68,386
ISHARES INC MSCI CDA ETF 464286509   677 19,808 SH   SOLE 0 0 0 19,808
ISHARES TR INTL TREA BD ETF 464288117   406 10,100 SH   SOLE 0 0 0 10,100
ISHARES TR MBS ETF 464288588   56,185 593,111 SH   SOLE 0 0 0 593,111
ISHARES TR USD INV GRDE ETF 464288620   64,561 1,274,402 SH   SOLE 0 0 0 1,274,402
ISHARES TR 0-5 YR TIPS ETF 46429B747   17,127 172,603 SH   SOLE 0 0 0 172,603
ISHARES TR MSCI USA MMENTM 46432F396   14,716 105,837 SH   SOLE 0 0 0 105,837
ISHARES INC CORE MSCI EMKT 46434G103   515 10,562 SH   SOLE 0 0 0 10,562
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,871 151,658 SH   SOLE 0 0 0 151,658
SPDR SER TR SPDR S&P 500 ETF 78468R796   14,091 423,921 SH   SOLE 0 0 0 423,921
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,666 220,514 SH   SOLE 0 0 0 220,514
SCHWAB STRATEGIC TR US REIT ETF 808524847   5,076 260,285 SH   SOLE 0 0 0 260,285
SCHWAB STRATEGIC TR US TIPS ETF 808524870   76,855 1,433,587 SH   SOLE 0 0 0 1,433,587
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,310 23,719 SH   SOLE 0 0 0 23,719
VANGUARD WORLD FD MEGA CAP INDEX 921910873   7,044 49,211 SH   SOLE 0 0 0 49,211
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   3,725 82,469 SH   SOLE 0 0 0 82,469
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,027 63,294 SH   SOLE 0 0 0 63,294
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   64,588 1,320,274 SH   SOLE 0 0 0 1,320,274
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,312 32,468 SH   SOLE 0 0 0 32,468
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   1,626 23,576 SH   SOLE 0 0 0 23,576
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   5,315 69,364 SH   SOLE 0 0 0 69,364
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599   1,997 10,895 SH   SOLE 0 0 0 10,895
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   4,851 104,206 SH   SOLE 0 0 0 104,206
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   16,354 43,487 SH   SOLE 0 0 0 43,487
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,967 35,729 SH   SOLE 0 0 0 35,729
VANGUARD INDEX FDS GROWTH ETF 922908736   3,257 13,059 SH   SOLE 0 0 0 13,059
VANGUARD INDEX FDS VALUE ETF 922908744   2,061 14,926 SH   SOLE 0 0 0 14,926
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,352 17,682 SH   SOLE 0 0 0 17,682
VANGUARD INDEX FDS TOTAL STK MKT 922908769   16,304 79,880 SH   SOLE 0 0 0 79,880