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
Estimated average burden
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 BBG001S5N9M6 900,498 8,202 SH   SOLE   0 0 8,202
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,325,525 8,202 SH   SOLE   0 0 8,202
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 398,182 4,194 SH   SOLE   0 0 4,194
CAMBRIDGE BANCORP COM 132152109 BBG001S7RSV6 539,890 6,500 SH   SOLE   0 0 6,500
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 231,901 1,292 SH   SOLE   0 0 1,292
CIGNA CORP NEW COM 125523100 BBG00KXRCDQ9 548,699 1,656 SH   SOLE   0 0 1,656
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 BBG01254CL28 17,215,675 414,638 SH   SOLE   0 0 414,638
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 20,071,317 893,645 SH   SOLE   0 0 893,645
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 BBG017158GJ6 1,766,468 78,127 SH   SOLE   0 0 78,127
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,688,447 76,922 SH   SOLE   0 0 76,922
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 2,692,768 88,578 SH   SOLE   0 0 88,578
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 5,792,521 231,331 SH   SOLE   0 0 231,331
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 43,369,926 1,940,488 SH   SOLE   0 0 1,940,488
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773 BBG01633DW64 966,168 44,915 SH   SOLE   0 0 44,915
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 BBG01633Y2Y6 499,288 22,479 SH   SOLE   0 0 22,479
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849 BBG012558MV6 10,881,368 227,597 SH   SOLE   0 0 227,597
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 BBG011DXXNJ2 50,751,278 1,219,692 SH   SOLE   0 0 1,219,692
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 2,139,420 87,217 SH   SOLE   0 0 87,217
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 2,582,178 77,126 SH   SOLE   0 0 77,126
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 7,106,948 336,027 SH   SOLE   0 0 336,027
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 24,893,932 486,680 SH   SOLE   0 0 486,680
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 13,563,221 308,602 SH   SOLE   0 0 308,602
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 222,917 2,021 SH   SOLE   0 0 2,021
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 262,196 1,861 SH   SOLE   0 0 1,861
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 386,905 1,453 SH   SOLE   0 0 1,453
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 2,292,730 9,478 SH   SOLE   0 0 9,478
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,022,156 5,264 SH   SOLE   0 0 5,264
ISHARES TR GL CLEAN ENE ETF 464288224 BBG001S7XDQ8 208,028 10,480 SH   SOLE   0 0 10,480
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 265,004 3,880 SH   SOLE   0 0 3,880
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 279,548 2,681 SH   SOLE   0 0 2,681
ISHARES TR SP SMCP600VL ETF 464287879 BBG001SFQL26 216,405 2,370 SH   SOLE   0 0 2,370
LILLY ELI & CO COM 532457108 BBG001S5STL8 398,034 1,088 SH   SOLE   0 0 1,088
LINDE PLC SHS G5494J103 BBG00GVR8YR8 228,326 700 SH   SOLE   0 0 700
MERCK & CO INC COM 58933Y105 BBG001S5TC52 636,409 5,736 SH   SOLE   0 0 5,736
MOODYS CORP COM 615369105 BBG001S5VP87 303,139 1,088 SH   SOLE   0 0 1,088
PIMCO STRATEGIC INCOME FD COM 72200X104 BBG001S5QG01 54,103 10,952 SH   SOLE   0 0 10,952
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 853,434 5,631 SH   SOLE   0 0 5,631
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 1,494,792 63,151 SH   SOLE   0 0 63,151
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,252,656 38,889 SH   SOLE   0 0 38,889
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 BBG001T6L7C0 1,122,801 35,679 SH   SOLE   0 0 35,679
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 BBG0051NXNX3 229,876 4,920 SH   SOLE   0 0 4,920
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 BBG0051QD594 482,667 15,440 SH   SOLE   0 0 15,440
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 308,607 6,397 SH   SOLE   0 0 6,397
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 281,915 3,732 SH   SOLE   0 0 3,732
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 4,834,733 87,017 SH   SOLE   0 0 87,017
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,272,404 19,273 SH   SOLE   0 0 19,273
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,485,534 165,795 SH   SOLE   0 0 165,795
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,691,359 101,987 SH   SOLE   0 0 101,987
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,412,209 84,230 SH   SOLE   0 0 84,230
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 482,532 10,271 SH   SOLE   0 0 10,271
TRAVELERS COMPANIES INC COM 89417E109 BBG001S5R103 299,984 1,600 SH   SOLE   0 0 1,600
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 BBG001TC6MF8 1,082,544 5,132 SH   SOLE   0 0 5,132
VANGUARD ADMIRAL FDS INC 500 VAL IDX FD 921932703 BBG001TC6MG7 521,559 3,724 SH   SOLE   0 0 3,724
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 BBG001TC6MK2 2,491,331 14,714 SH   SOLE   0 0 14,714
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 761,760 4,657 SH   SOLE   0 0 4,657
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 BBG001TC6MN9 4,519,166 29,457 SH   SOLE   0 0 29,457
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,181,671 6,574 SH   SOLE   0 0 6,574
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 1,702,031 12,584 SH   SOLE   0 0 12,584
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,172,592 7,385 SH   SOLE   0 0 7,385
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 297,701 1,622 SH   SOLE   0 0 1,622
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 1,374,067 6,852 SH   SOLE   0 0 6,852
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 636,133 4,532 SH   SOLE   0 0 4,532
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 1,301,961 33,400 SH   SOLE   0 0 33,400
VANGUARD SCOTTSDALE FDS VNG RUS2000GRW 92206C623 BBG001TCH7Y8 2,130,258 13,681 SH   SOLE   0 0 13,681
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 BBG001TCHH03 2,396,690 19,682 SH   SOLE   0 0 19,682
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 219,793 5,237 SH   SOLE   0 0 5,237