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   463,706 29,073 SH   SOLE   0 0 29,073
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   463,366 25,988 SH   SOLE   0 0 25,988
ALPHABET INC CAP STK CL A 02079K305   299,250 2,500 SH   SOLE   0 0 2,500
AMERICAN CENTY ETF TR US SML CP VALU 025072877   229,881 2,962 SH   SOLE   0 0 2,962
AMERICAN EXPRESS CO COM 025816109   3,036,306 17,430 SH   SOLE   0 0 17,430
AMERIPRISE FINL INC COM 03076C106   2,660,269 8,009 SH   SOLE   0 0 8,009
APPLE INC COM 037833100   4,949,339 25,516 SH   SOLE   0 0 25,516
BANK AMERICA CORP COM 060505104   635,010 22,134 SH   SOLE   0 0 22,134
BLACK HILLS CORP COM 092113109   341,072 5,660 SH   SOLE   0 0 5,660
BROADCOM INC COM 11135F101   262,831 303 SH   SOLE   0 0 303
CHEVRON CORP NEW COM 166764100   219,425 1,395 SH   SOLE   0 0 1,395
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   406,155 13,106 SH   SOLE   0 0 13,106
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   3,278,057 70,663 SH   SOLE   0 0 70,663
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   2,235,038 82,322 SH   SOLE   0 0 82,322
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781   581,128 24,572 SH   SOLE   0 0 24,572
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   4,831,546 147,079 SH   SOLE   0 0 147,079
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   6,843,235 293,575 SH   SOLE   0 0 293,575
HARBORONE BANCORP INC NEW COM NEW 41165Y100   857,906 98,837 SH   SOLE   0 0 98,837
INDEPENDENT BK CORP MASS COM 453836108   282,995 6,358 SH   SOLE   0 0 6,358
ISHARES TR CORE S&P TTL STK 464287150   25,940,871 265,136 SH   SOLE   0 0 265,136
ISHARES TR CORE S&P500 ETF 464287200   33,495,084 75,150 SH   SOLE   0 0 75,150
ISHARES TR MSCI EMG MKT ETF 464287234   396,185 10,015 SH   SOLE   0 0 10,015
ISHARES TR S&P 500 GRWT ETF 464287309   1,107,664 15,716 SH   SOLE   0 0 15,716
ISHARES TR S&P 500 VAL ETF 464287408   788,541 4,892 SH   SOLE   0 0 4,892
ISHARES TR MSCI EAFE ETF 464287465   1,816,503 25,055 SH   SOLE   0 0 25,055
ISHARES TR RUS MID CAP ETF 464287499   211,933 2,902 SH   SOLE   0 0 2,902
ISHARES TR COHEN STEER REIT 464287564   1,109,769 19,971 SH   SOLE   0 0 19,971
ISHARES TR RUS 1000 VAL ETF 464287598   1,412,894 8,952 SH   SOLE   0 0 8,952
ISHARES TR RUSSELL 2000 ETF 464287655   11,409,907 60,928 SH   SOLE   0 0 60,928
ISHARES TR SP SMCP600VL ETF 464287879   796,949 8,381 SH   SOLE   0 0 8,381
ISHARES TR NATIONAL MUN ETF 464288414   537,056 5,032 SH   SOLE   0 0 5,032
ISHARES TR EAFE VALUE ETF 464288877   1,444,073 29,507 SH   SOLE   0 0 29,507
ISHARES TR CORE MSCI TOTAL 46432F834   2,142,230 34,210 SH   SOLE   0 0 34,210
ISHARES TR CORE MSCI EAFE 46432F842   2,971,416 44,021 SH   SOLE   0 0 44,021
ISHARES INC CORE MSCI EMKT 46434G103   6,959,729 141,200 SH   SOLE   0 0 141,200
ISHARES TR CORE MSCI INTL 46435G326   11,127,208 182,055 SH   SOLE   0 0 182,055
ISHARES TR MSCI INTL VLU FT 46435G409   820,966 32,258 SH   SOLE   0 0 32,258
MERCK & CO INC COM 58933Y105   371,556 3,220 SH   SOLE   0 0 3,220
MICROSOFT CORP COM 594918104   1,406,872 4,131 SH   SOLE   0 0 4,131
PALO ALTO NETWORKS INC COM 697435105   383,265 1,500 SH   SOLE   0 0 1,500
PEPSICO INC COM 713448108   635,119 3,429 SH   SOLE   0 0 3,429
RAYTHEON TECHNOLOGIES CORP COM 75513E101   1,333,967 13,617 SH   SOLE   0 0 13,617
SPDR S&P 500 ETF TR TR UNIT 78462F103   221,640 500 SH   SOLE   0 0 500
SPDR SER TR S&P 600 SMCP VAL 78464A300   18,127,935 234,848 SH   SOLE   0 0 234,848
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   818,754 10,924 SH   SOLE   0 0 10,924
UNITEDHEALTH GROUP INC COM 91324P102   1,066,477 2,219 SH   SOLE   0 0 2,219
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   389,186 5,150 SH   SOLE   0 0 5,150
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,845,113 104,918 SH   SOLE   0 0 104,918
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   351,003 7,402 SH   SOLE   0 0 7,402
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,615,199 39,705 SH   SOLE   0 0 39,705
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   859,956 14,660 SH   SOLE   0 0 14,660
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   844,658 10,108 SH   SOLE   0 0 10,108
VANGUARD INDEX FDS TOTAL STK MKT 922908769   7,394,579 33,569 SH   SOLE   0 0 33,569
VERIZON COMMUNICATIONS INC COM 92343V104   343,561 9,238 SH   SOLE   0 0 9,238
WALMART INC COM 931142103   358,099 2,278 SH   SOLE   0 0 2,278
YUM BRANDS INC COM 988498101   363,694 2,625 SH   SOLE   0 0 2,625