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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   768,530 7,000 SH   SOLE   7,000 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   212,138 795 SH   SOLE   795 0 0
ADVANCED MICRO DEVICES INC COM 007903107   447,107 6,903 SH   SOLE   6,903 0 0
ALPHABET INC CAP STK CL C 02079K107   1,339,823 15,100 SH   SOLE   15,100 0 0
ALPHABET INC CAP STK CL A 02079K305   832,891 9,440 SH   SOLE   9,440 0 0
AMAZON COM INC COM 023135106   3,041,136 36,204 SH   SOLE   36,204 0 0
APPLE INC COM 037833100   5,589,329 43,018 SH   SOLE   43,018 0 0
AT&T INC COM 00206R102   230,769 12,535 SH   SOLE   12,535 0 0
BANK AMERICA CORP COM 060505104   331,243 10,001 SH   SOLE   10,001 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   3,706,482 109,952 SH   SOLE   109,952 0 0
BECTON DICKINSON & CO COM 075887109   712,040 2,800 SH   SOLE   2,800 0 0
BECTON DICKINSON & CO 6% DP CONV PFD B 075887406   25,040 500 SH   SOLE   500 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,406,133 3 SH   SOLE   3 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   993,114 3,215 SH   SOLE   3,215 0 0
CATERPILLAR INC COM 149123101   502,118 2,096 SH   SOLE   2,096 0 0
CISCO SYS INC COM 17275R102   6,201,061 130,165 SH   SOLE   130,165 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,380,913 3,025 SH   SOLE   3,025 0 0
CURIS INC COM NEW 231269200   15,613 28,387 SH   SOLE   28,387 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   388,195 15,503 SH   SOLE   15,503 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   7,556,266 344,249 SH   SOLE   344,249 0 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   42,537,071 1,022,280 SH   SOLE   1,022,280 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   390,172 7,628 SH   SOLE   7,628 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   260,034 12,089 SH   SOLE   12,089 0 0
DISNEY WALT CO COM 254687106   671,235 7,726 SH   SOLE   7,726 0 0
ECOLAB INC COM 278865100   511,315 3,500 SH   SOLE   3,500 0 0
ESSENTIAL UTILS INC COM 29670G102   894,222 18,735 SH   SOLE   18,735 0 0
EVERSOURCE ENERGY COM 30040W108   750,703 8,954 SH   SOLE   8,954 0 0
EXPEDITORS INTL WASH INC COM 302130109   415,680 4,000 SH   SOLE   4,000 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   13,952,435 320,967 SH   SOLE   320,967 0 0
HERSHEY CO COM 427866108   647,238 2,795 SH   SOLE   2,795 0 0
HUNTINGTON BANCSHARES INC COM 446150104   213,112 14,950 SH   SOLE   14,950 0 0
INTEL CORP COM 458140100   592,032 22,400 SH   SOLE   22,400 0 0
ISHARES TR TIPS BD ETF 464287176   340,076 3,195 SH   SOLE   3,195 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,820,584 9,944 SH   SOLE   9,944 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,295,498 34,182 SH   SOLE   34,182 0 0
ISHARES TR S&P 500 VAL ETF 464287408   31,190 215 SH   SOLE   215 0 0
ISHARES TR MSCI EAFE ETF 464287465   96,753 1,474 SH   SOLE   1,474 0 0
ISHARES TR CORE S&P MCP ETF 464287507   1,669,525 6,902 SH   SOLE   6,902 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   896,594 4,185 SH   SOLE   4,185 0 0
ISHARES TR CORE S&P SCP ETF 464287804   22,196,676 234,538 SH   SOLE   234,538 0 0
ISHARES TR EAFE GRWTH ETF 464288885   404,393 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE MSCI EAFE 46432F842   35,031,957 568,332 SH   SOLE   568,332 0 0
JOHNSON & JOHNSON COM 478160104   811,707 4,595 SH   SOLE   4,595 0 0
LINCOLN NATL CORP IND COM 534187109   216,699 7,054 SH   SOLE   7,054 0 0
MCDONALDS CORP COM 580135101   217,412 825 SH   SOLE   825 0 0
MICROSOFT CORP COM 594918104   6,117,808 25,510 SH   SOLE   25,510 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209   618,755 12,010 SH   SOLE   12,010 0 0
NIKE INC CL B 654106103   532,513 4,551 SH   SOLE   4,551 0 0
NOVO-NORDISK A S ADR 670100205   507,525 3,750 SH   SOLE   3,750 0 0
OPKO HEALTH INC COM 68375N103   18,411 14,729 SH   SOLE   14,729 0 0
PEPSICO INC COM 713448108   790,874 4,350 SH   SOLE   4,350 0 0
SCHWAB CHARLES CORP COM 808513105   491,234 5,900 SH   SOLE   5,900 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   983,814 31,262 SH   SOLE   31,262 0 0
SOUTHWESTERN ENERGY CO COM 845467109   87,750 15,000 SH   SOLE   15,000 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,778,719 9,835 SH   SOLE   9,835 0 0
STARBUCKS CORP COM 855244109   754,019 7,601 SH   SOLE   7,601 0 0
TESLA INC COM 88160R101   2,257,889 18,330 SH   SOLE   18,330 0 0
UNDER ARMOUR INC CL A 904311107   51 5 SH   SOLE   5 0 0
UNDER ARMOUR INC CL C 904311206   217,684 24,404 SH   SOLE   24,404 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   866,390 12,060 SH   SOLE   12,060 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   14,320,446 292,254 SH   SOLE   292,254 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   796,839 2,268 SH   SOLE   2,268 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   287,113 3,481 SH   SOLE   3,481 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   51,563 296 SH   SOLE   296 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   3,699,432 20,156 SH   SOLE   20,156 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718   3,208,186 31,205 SH   SOLE   31,205 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   17,602,962 451,590 SH   SOLE   451,590 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   6,838,875 138,187 SH   SOLE   138,187 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   431,368 6,130 SH   SOLE   6,130 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,785,936 31,518 SH   SOLE   31,518 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,466,684 34,946 SH   SOLE   34,946 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,587,441 14,670 SH   SOLE   14,670 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,252,653 5,050 SH   SOLE   5,050 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   113,486 740 SH   SOLE   740 0 0
WALMART INC COM 931142103   298,935 2,100 SH   SOLE   2,100 0 0
WELLS FARGO CO NEW COM 949746101   419,094 10,150 SH   SOLE   10,150 0 0
WP CAREY INC COM 92936U109   396,075 5,000 SH   SOLE   5,000 0 0