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
AT&T INC COM 00206R102 691 29,262 SH   SOLE   0 0 29,262
ALPHABET INC CAP STK CL C 02079K107 274 98 SH   SOLE   0 0 98
APPLE INC COM 037833100 288 1,652 SH   SOLE   0 0 1,652
BK OF AMERICA CORP COM 060505104 854 20,724 SH   SOLE   0 0 20,724
BLACK HILLS CORP COM 092113109 529 6,865 SH   SOLE   0 0 6,865
CHEVRON CORP NEW COM 166764100 233 1,431 SH   SOLE   0 0 1,431
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 1,620 34,779 SH   SOLE   0 0 34,779
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 1,942 70,411 SH   SOLE   0 0 70,411
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 3,612 107,893 SH   SOLE   0 0 107,893
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 7,744 310,381 SH   SOLE   0 0 310,381
HARBORONE BANCORP INC NEW COM NEW 41165Y100 1,384 98,692 SH   SOLE   0 0 98,692
INDEPENDENT BK CORP MASS COM 453836108 519 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150 16,148 159,981 SH   SOLE   0 0 159,981
ISHARES TR CORE S&P500 ETF 464287200 37,414 82,467 SH   SOLE   0 0 82,467
ISHARES TR CORE US AGGBD ET 464287226 279 2,608 SH   SOLE   0 0 2,608
ISHARES TR MSCI EMG MKT ETF 464287234 736 16,297 SH   SOLE   0 0 16,297
ISHARES TR S&P 500 GRWT ETF 464287309 1,200 15,716 SH   SOLE   0 0 15,716
ISHARES TR S&P 500 VAL ETF 464287408 762 4,892 SH   SOLE   0 0 4,892
ISHARES TR MSCI EAFE ETF 464287465 2,080 28,260 SH   SOLE   0 0 28,260
ISHARES TR COHEN STEER REIT 464287564 1,634 23,009 SH   SOLE   0 0 23,009
ISHARES TR RUS 1000 VAL ETF 464287598 1,504 9,059 SH   SOLE   0 0 9,059
ISHARES TR RUSSELL 2000 ETF 464287655 12,895 62,822 SH   SOLE   0 0 62,822
ISHARES TR SP SMCP600VL ETF 464287879 997 9,739 SH   SOLE   0 0 9,739
ISHARES TR EAFE SML CP ETF 464288273 327 4,936 SH   SOLE   0 0 4,936
ISHARES TR NATIONAL MUN ETF 464288414 585 5,335 SH   SOLE   0 0 5,335
ISHARES TR EAFE VALUE ETF 464288877 1,597 31,773 SH   SOLE   0 0 31,773
ISHARES TR CORE MSCI TOTAL 46432F834 1,915 28,766 SH   SOLE   0 0 28,766
ISHARES TR CORE MSCI EAFE 46432F842 4,049 58,244 SH   SOLE   0 0 58,244
ISHARES INC CORE MSCI EMKT 46434G103 5,819 104,760 SH   SOLE   0 0 104,760
ISHARES TR CORE MSCI INTL 46435G326 5,812 91,343 SH   SOLE   0 0 91,343
MICROSOFT CORP COM 594918104 831 2,694 SH   SOLE   0 0 2,694
NEXTERA ENERGY INC COM 65339F101 223 2,636 SH   SOLE   0 0 2,636
PEPSICO INC COM 713448108 568 3,394 SH   SOLE   0 0 3,394
RAYTHEON TECHNOLOGIES CORP COM 75513E101 804 8,120 SH   SOLE   0 0 8,120
SPDR S&P 500 ETF TR TR UNIT 78462F103 226 500 SH   SOLE   0 0 500
SPDR SER TR S&P 600 SMCP VAL 78464A300 22,880 274,575 SH   SOLE   0 0 274,575
SPDR SER TR PORTFOLIO S&P600 78468R853 247 5,875 SH   SOLE   0 0 5,875
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 687 9,178 SH   SOLE   0 0 9,178
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,552 42,265 SH   SOLE   0 0 42,265
UNITEDHEALTH GROUP INC COM 91324P102 988 1,938 SH   SOLE   0 0 1,938
VANGUARD WORLD FD ESG INTL STK ETF 921910725 538 9,410 SH   SOLE   0 0 9,410
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 338 4,335 SH   SOLE   0 0 4,335
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 420 8,751 SH   SOLE   0 0 8,751
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 304 5,933 SH   SOLE   0 0 5,933
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 540 11,716 SH   SOLE   0 0 11,716
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 530 8,428 SH   SOLE   0 0 8,428
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,106 10,201 SH   SOLE   0 0 10,201
VANGUARD INDEX FDS MID CAP ETF 922908629 491 2,065 SH   SOLE   0 0 2,065
VANGUARD INDEX FDS TOTAL STK MKT 922908769 814 3,574 SH   SOLE   0 0 3,574
VERIZON COMMUNICATIONS INC COM 92343V104 473 9,291 SH   SOLE   0 0 9,291
WALMART INC COM 931142103 329 2,208 SH   SOLE   0 0 2,208
YUM BRANDS INC COM 988498101 311 2,625 SH   SOLE   0 0 2,625