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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
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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CABOT CORP COM 127055101 2,368,673 25,941 SH SOLE 0 0 0 25,941
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 370,319 12,682 SH SOLE 0 0 0 12,682
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 924,402 16,608 SH SOLE 0 0 0 16,608
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856 7,030,882 173,641 SH SOLE 0 0 0 173,641
ISHARES TR MBS ETF 464288588 61,417,593 669,913 SH SOLE 0 0 0 669,913
ISHARES TR USD INV GRDE ETF 464288620 70,717,527 1,406,474 SH SOLE 0 0 0 1,406,474
ISHARES TR 0-5 YR TIPS ETF 46429B747 21,271,225 211,444 SH SOLE 0 0 0 211,444
ISHARES TR MSCI USA MMENTM 46432F396 20,239,554 97,813 SH SOLE 0 0 0 97,813
ISHARES TR ESG AWR MSCI USA 46435G425 1,496,224 11,615 SH SOLE 0 0 0 11,615
ISHARES TR ESG AW MSCI EAFE 46435G516 866,931 11,386 SH SOLE 0 0 0 11,386
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 8,662,741 253,816 SH SOLE 0 0 0 253,816
SPDR SER TR SPDR S&P 500 ETF 78468R796 18,379,174 381,707 SH SOLE 0 0 0 381,707
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 11,775,064 507,984 SH SOLE 0 0 0 507,984
SCHWAB STRATEGIC TR US REIT ETF 808524847 7,320,717 347,612 SH SOLE 0 0 0 347,612
SCHWAB STRATEGIC TR US TIPS ETF 808524870 75,824,513 2,935,521 SH SOLE 0 0 0 2,935,521
VANGUARD WORLD FD MEGA CAP INDEX 921910873 11,742,873 55,219 SH SOLE 0 0 0 55,219
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,272,045 89,336 SH SOLE 0 0 0 89,336
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,358,210 48,703 SH SOLE 0 0 0 48,703
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 73,983,595 1,508,330 SH SOLE 0 0 0 1,508,330
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,555,789 58,033 SH SOLE 0 0 0 58,033
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565 1,761,254 25,829 SH SOLE 0 0 0 25,829
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573 10,725,382 141,664 SH SOLE 0 0 0 141,664
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 9,764,031 215,351 SH SOLE 0 0 0 215,351
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 20,931,672 38,848 SH SOLE 0 0 0 38,848
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,894,757 32,496 SH SOLE 0 0 0 32,496
VANGUARD INDEX FDS GROWTH ETF 922908736 5,341,056 13,013 SH SOLE 0 0 0 13,013
VANGUARD INDEX FDS VALUE ETF 922908744 1,717,477 10,145 SH SOLE 0 0 0 10,145
VANGUARD INDEX FDS SMALL CP ETF 922908751 3,835,666 15,963 SH SOLE 0 0 0 15,963
VANGUARD INDEX FDS TOTAL STK MKT 922908769 21,935,277 75,688 SH SOLE 0 0 0 75,688