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
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   11,039,504 60,474 SH   SOLE   0 0 60,474
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,586,176 214,208 SH   SOLE   0 0 214,208
ISHARES TR 0-5YR HI YL CP 46434V407   7,674,972 181,871 SH   SOLE   0 0 181,871
SPDR SER TR S&P DIVID ETF 78464A763   6,440,176 50,638 SH   SOLE   0 0 50,638
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   3,252,952 56,397 SH   SOLE   0 0 56,397
ISHARES GOLD TR ISHARES NEW 464285204   3,250,381 73,990 SH   SOLE   0 0 73,990
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303   2,898,758 58,537 SH   SOLE   0 0 58,537
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,480,866 49,508 SH   SOLE   0 0 49,508
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,201,056 4,401 SH   SOLE   0 0 4,401
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,419,945 32,448 SH   SOLE   0 0 32,448
VANGUARD INDEX FDS VALUE ETF 922908744   804,222 5,014 SH   SOLE   0 0 5,014
ISHARES TR CORE HIGH DV ETF 46429B663   379,021 3,487 SH   SOLE   0 0 3,487
KRANESHARES TRUST KFA MOUNT LUCAS 500767652   378,468 12,979 SH   SOLE   0 0 12,979
CSX CORP COM 126408103   358,788 10,726 SH   SOLE   0 0 10,726
LYFT INC CL A COM 55087p104   340,332 24,137 SH   SOLE   0 0 24,137
NEXTNAV INC COMMON STOCK 65345N106   325,965 40,193 SH   SOLE   0 0 40,193
AMAZON COM INC COM 023135106   300,504 1,555 SH   SOLE   0 0 1,555
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   287,769 4,962 SH   SOLE   0 0 4,962
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303   272,210 10,802 SH   SOLE   0 0 10,802
CAMBRIDGE BANCORP COM 132152109   271,377 3,933 SH   SOLE   0 0 3,933