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
AT&T INC COM 00206R102   538,713 29,262 SH   SOLE   0 0 29,262
AMERICAN CENTY ETF TR US SML CP VALU 025072877   773,712 10,384 SH   SOLE   0 0 10,384
AMERICAN EXPRESS CO COM 025816109   2,573,805 17,420 SH   SOLE   0 0 17,420
AMERIPRISE FINL INC COM 03076C106   2,493,762 8,009 SH   SOLE   0 0 8,009
APPLE INC COM 037833100   2,483,527 19,114 SH   SOLE   0 0 19,114
BANK AMERICA CORP COM 060505104   732,970 22,131 SH   SOLE   0 0 22,131
BLACK HILLS CORP COM 092113109   398,124 5,660 SH   SOLE   0 0 5,660
CVS HEALTH CORP COM 126650100   224,961 2,414 SH   SOLE   0 0 2,414
CHEVRON CORP NEW COM 166764100   247,517 1,379 SH   SOLE   0 0 1,379
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   354,124 13,106 SH   SOLE   0 0 13,106
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,194,775 49,938 SH   SOLE   0 0 49,938
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   1,941,927 79,981 SH   SOLE   0 0 79,981
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   520,469 23,434 SH   SOLE   0 0 23,434
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,009,603 131,895 SH   SOLE   0 0 131,895
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   6,191,929 286,663 SH   SOLE   0 0 286,663
HARBORONE BANCORP INC NEW COM NEW 41165Y100   1,371,859 98,695 SH   SOLE   0 0 98,695
INDEPENDENT BK CORP MASS COM 453836108   536,806 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150   20,221,917 238,466 SH   SOLE   0 0 238,466
ISHARES TR CORE S&P500 ETF 464287200   28,953,662 75,359 SH   SOLE   0 0 75,359
ISHARES TR MSCI EMG MKT ETF 464287234   369,328 9,745 SH   SOLE   0 0 9,745
ISHARES TR S&P 500 GRWT ETF 464287309   919,386 15,716 SH   SOLE   0 0 15,716
ISHARES TR S&P 500 VAL ETF 464287408   709,682 4,892 SH   SOLE   0 0 4,892
ISHARES TR MSCI EAFE ETF 464287465   1,644,624 25,055 SH   SOLE   0 0 25,055
ISHARES TR RUS MID CAP ETF 464287499   214,289 3,177 SH   SOLE   0 0 3,177
ISHARES TR COHEN STEER REIT 464287564   1,330,618 24,264 SH   SOLE   0 0 24,264
ISHARES TR RUS 1000 VAL ETF 464287598   1,368,186 9,022 SH   SOLE   0 0 9,022
ISHARES TR RUSSELL 2000 ETF 464287655   10,690,635 61,314 SH   SOLE   0 0 61,314
ISHARES TR SP SMCP600VL ETF 464287879   765,269 8,381 SH   SOLE   0 0 8,381
ISHARES TR NATIONAL MUN ETF 464288414   562,940 5,335 SH   SOLE   0 0 5,335
ISHARES TR EAFE VALUE ETF 464288877   1,353,781 29,507 SH   SOLE   0 0 29,507
ISHARES TR CORE MSCI TOTAL 46432F834   2,050,573 35,428 SH   SOLE   0 0 35,428
ISHARES TR CORE MSCI EAFE 46432F842   2,785,202 45,185 SH   SOLE   0 0 45,185
ISHARES INC CORE MSCI EMKT 46434G103   5,874,888 125,801 SH   SOLE   0 0 125,801
ISHARES TR CORE MSCI INTL 46435G326   8,822,523 157,601 SH   SOLE   0 0 157,601
ISHARES TR MSCI INTL VLU FT 46435G409   755,064 32,588 SH   SOLE   0 0 32,588
MERCK & CO INC COM 58933Y105   334,736 3,017 SH   SOLE   0 0 3,017
MICROSOFT CORP COM 594918104   957,432 3,992 SH   SOLE   0 0 3,992
NEXTERA ENERGY INC COM 65339F101   220,370 2,636 SH   SOLE   0 0 2,636
PALO ALTO NETWORKS INC COM 697435105   209,310 1,500 SH   SOLE   0 0 1,500
PEPSICO INC COM 713448108   613,160 3,394 SH   SOLE   0 0 3,394
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,345,714 13,334 SH   SOLE   0 0 13,334
SPDR SER TR S&P 600 SMCP VAL 78464A300   18,063,023 243,371 SH   SOLE   0 0 243,371
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   606,937 10,924 SH   SOLE   0 0 10,924
UNITEDHEALTH GROUP INC COM 91324P102   1,145,170 2,160 SH   SOLE   0 0 2,160
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   428,042 5,686 SH   SOLE   0 0 5,686
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,460,320 106,274 SH   SOLE   0 0 106,274
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   365,926 7,834 SH   SOLE   0 0 7,834
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,839,505 47,191 SH   SOLE   0 0 47,191
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   918,604 15,708 SH   SOLE   0 0 15,708
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   855,351 10,370 SH   SOLE   0 0 10,370
VANGUARD INDEX FDS TOTAL STK MKT 922908769   6,705,033 35,070 SH   SOLE   0 0 35,070
VERIZON COMMUNICATIONS INC COM 92343V104   363,977 9,238 SH   SOLE   0 0 9,238
WALMART INC COM 931142103   313,111 2,208 SH   SOLE   0 0 2,208
YUM BRANDS INC COM 988498101   336,210 2,625 SH   SOLE   0 0 2,625