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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
CABOT CORP COM 127055101 1,652 39,687 SH   SOLE 0 0 0 39,687
CABOT MICROELECTRONICS COR COM 12709P103 1,910 17,058 SH   SOLE 0 0 0 17,058
ISHARES TR TIPS BD ETF 464287176 484 4,278 SH   SOLE 0 0 0 4,278
ISHARES TR CORE US AGGBD ET 464287226 7,047 64,609 SH   SOLE 0 0 0 64,609
ISHARES TR MSCI EMG MKT ETF 464287234 278 6,479 SH   SOLE 0 0 0 6,479
ISHARES TR S&P 500 VAL ETF 464287408 395 3,500 SH   SOLE 0 0 0 3,500
ISHARES TR MSCI EAFE ETF 464287465 255 3,936 SH   SOLE 0 0 0 3,936
ISHARES TR SP SMCP600VL ETF 464287879 213 1,444 SH   SOLE 0 0 0 1,444
ISHARES TR NATIONAL MUN ETF 464288414 241 2,165 SH   SOLE 0 0 0 2,165
ISHARES TR 0-5 YR TIPS ETF 46429B747 3,159 31,696 SH   SOLE 0 0 0 31,696
ISHARES INC CORE MSCI EMKT 46434G103 1,851 35,794 SH   SOLE 0 0 0 35,794
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,006 3,561 SH   SOLE 0 0 0 3,561
SPDR SER TR SPDR S&P 500 ETF 78468R796 267 3,910 SH   SOLE 0 0 0 3,910
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,310 182,076 SH   SOLE 0 0 0 182,076
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 65,333 1,259,300 SH   SOLE 0 0 0 1,259,300
SCHWAB STRATEGIC TR US REIT ETF 808524847 2,033 45,764 SH   SOLE 0 0 0 45,764
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,564 64,794 SH   SOLE 0 0 0 64,794
VANGUARD BD INDEX FD INC INTERMED TERM 921937819 13,585 161,856 SH   SOLE 0 0 0 161,856
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 8,167 100,609 SH   SOLE 0 0 0 100,609
VANGUARD TAX MANAGED INTL FTSE DEV MKT ETF 921943858 5,574 136,381 SH   SOLE 0 0 0 136,381
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 5,659 116,243 SH   SOLE 0 0 0 116,243
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 49,359 885,046 SH   SOLE 0 0 0 885,046
VANGUARD INTL EQUITY INDEX GLB EX US ETF 922042676 580 9,741 SH   SOLE 0 0 0 9,741
VANGUARD INTL EQUITY INDEX TT WRLD ST ETF 922042742 247 3,382 SH   SOLE 0 0 0 3,382
VANGUARD INTL EQUITY INDEX FTSE EMR MKT ETF 922042858 1,407 33,103 SH   SOLE 0 0 0 33,103
VANGUARD SCOTTSDALE FDS VNG RUS3000IDX 92206C599 1,505 11,626 SH   SOLE 0 0 0 11,626
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,097 54,314 SH   SOLE 0 0 0 54,314
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,086 58,515 SH   SOLE 0 0 0 58,515
VANGUARD INDEX FDS GROWTH ETF 922908736 1,779 11,376 SH   SOLE 0 0 0 11,376
VANGUARD INDEX FDS VALUE ETF 922908744 2,142 19,900 SH   SOLE 0 0 0 19,900
VANGUARD INDEX FDS SMALL CP ETF 922908751 665 4,351 SH   SOLE 0 0 0 4,351
VANGUARD INDEX FDS TOTAL STK MKT 922908769 9,205 63,608 SH   SOLE 0 0 0 63,608