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
ABBOTT LABS COM 002824100 761 7,000 SH   SOLE   7,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 221 795 SH   SOLE   795 0 0
ADVANCED MICRO DEVICES INC COM 007903107 529 6,916 SH   SOLE   6,916 0 0
ALPHABET INC CAP STK CL C 02079K107 1,652 755 SH   SOLE   755 0 0
ALPHABET INC CAP STK CL A 02079K305 1,011 464 SH   SOLE   464 0 0
AMAZON COM INC COM 023135106 3,824 36,002 SH   SOLE   36,002 0 0
APPLE INC COM 037833100 6,321 46,236 SH   SOLE   46,236 0 0
AT&T INC COM 00206R102 215 10,235 SH   SOLE   10,235 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 1,047 30,083 SH   SOLE   30,083 0 0
BECTON DICKINSON & CO COM 075887109 690 2,800 SH   SOLE   2,800 0 0
BECTON DICKINSON & CO 6% DP CONV PFD B 075887406 25 500 SH   SOLE   500 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,227 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 944 3,456 SH   SOLE   3,456 0 0
BK OF AMERICA CORP COM 060505104 311 10,000 SH   SOLE   10,000 0 0
CATERPILLAR INC COM 149123101 403 2,255 SH   SOLE   2,255 0 0
CISCO SYS INC COM 17275R102 5,550 130,165 SH   SOLE   130,165 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,450 3,025 SH   SOLE   3,025 0 0
CURIS INC COM NEW 231269200 28 28,387 SH   SOLE   28,387 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 317 13,148 SH   SOLE   13,148 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 1,413 61,014 SH   SOLE   61,014 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 41,646 1,021,979 SH   SOLE   1,021,979 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 275 5,736 SH   SOLE   5,736 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 198 9,500 SH   SOLE   9,500 0 0
DISNEY WALT CO COM 254687106 708 7,500 SH   SOLE   7,500 0 0
ECOLAB INC COM 278865100 540 3,500 SH   SOLE   3,500 0 0
ESSENTIAL UTILS INC COM 29670G102 857 18,687 SH   SOLE   18,687 0 0
EVERSOURCE ENERGY COM 30040W108 770 9,120 SH   SOLE   9,120 0 0
EXPEDITORS INTL WASH INC COM 302130109 390 4,000 SH   SOLE   4,000 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 12,303 310,133 SH   SOLE   310,133 0 0
HERSHEY CO COM 427866108 818 3,800 SH   SOLE   3,800 0 0
HUNTINGTON BANCSHARES INC COM 446150104 182 14,950 SH   SOLE   14,950 0 0
INTEL CORP COM 458140100 838 22,400 SH   SOLE   22,400 0 0
ISHARES TR TIPS BD ETF 464287176 345 3,030 SH   SOLE   3,030 0 0
ISHARES TR CORE S&P500 ETF 464287200 3 8 SH   SOLE   8 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 2,832 70,612 SH   SOLE   70,612 0 0
ISHARES TR MSCI EAFE ETF 464287465 32 517 SH   SOLE   517 0 0
ISHARES TR CORE S&P SCP ETF 464287804 17,991 194,687 SH   SOLE   194,687 0 0
ISHARES TR CORE MSCI EAFE 46432F842 28,708 487,820 SH   SOLE   487,820 0 0
JOHNSON & JOHNSON COM 478160104 847 4,769 SH   SOLE   4,769 0 0
LINCOLN NATL CORP IND COM 534187109 276 5,903 SH   SOLE   5,903 0 0
MCDONALDS CORP COM 580135101 204 825 SH   SOLE   825 0 0
MICROSOFT CORP COM 594918104 6,532 25,435 SH   SOLE   25,435 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 614 11,260 SH   SOLE   11,260 0 0
NIKE INC CL B 654106103 466 4,550 SH   SOLE   4,550 0 0
NOVO-NORDISK A S ADR 670100205 561 5,034 SH   SOLE   5,034 0 0
OPKO HEALTH INC COM 68375N103 37 14,729 SH   SOLE   14,729 0 0
PEPSICO INC COM 713448108 725 4,350 SH   SOLE   4,350 0 0
SCHWAB CHARLES CORP COM 808513105 373 5,900 SH   SOLE   5,900 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 850 27,208 SH   SOLE   27,208 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,741 7,236 SH   SOLE   7,236 0 0
STARBUCKS CORP COM 855244109 581 7,603 SH   SOLE   7,603 0 0
TESLA INC COM 88160R101 3,397 5,045 SH   SOLE   5,045 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 798 10,607 SH   SOLE   10,607 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,389 3,996 SH   SOLE   3,996 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 317 3,481 SH   SOLE   3,481 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 33 193 SH   SOLE   193 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,249 18,450 SH   SOLE   18,450 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 2,737 26,520 SH   SOLE   26,520 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,581 182,025 SH   SOLE   182,025 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 32,876 655,945 SH   SOLE   655,945 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,177 103,715 SH   SOLE   103,715 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 338 4,930 SH   SOLE   4,930 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,875 33,978 SH   SOLE   33,978 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 2,106 51,608 SH   SOLE   51,608 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,228 12,075 SH   SOLE   12,075 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,189 5,050 SH   SOLE   5,050 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 113 740 SH   SOLE   740 0 0
WALMART INC COM 931142103 255 2,100 SH   SOLE   2,100 0 0
WELLS FARGO CO NEW COM 949746101 398 10,150 SH   SOLE   10,150 0 0
WP CAREY INC COM 92936U109 420 5,000 SH   SOLE   5,000 0 0