Sensible Financial Planning & Management 13F-HR Quarterly holdings report by institutional manager

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

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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	2,589	28,176	SH		SOLE	0	0	0	28,176
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	376	12,682	SH		SOLE	0	0	0	12,682
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	861	16,608	SH		SOLE	0	0	0	16,608
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	5,131	125,640	SH		SOLE	0	0	0	125,640
ISHARES TR	MSCI USA MMENTM	46432F396	20,101	103,150	SH		SOLE	0	0	0	103,150
ISHARES TR	0-5 YR TIPS ETF	46429B747	19,818	199,195	SH		SOLE	0	0	0	199,195
ISHARES TR	MBS ETF	464288588	60,696	661,103	SH		SOLE	0	0	0	661,103
ISHARES TR	USD INV GRDE ETF	464288620	69,407	1,382,332	SH		SOLE	0	0	0	1,382,332
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	11,793	183,550	SH		SOLE	0	0	0	183,550
SCHWAB STRATEGIC TR	US REIT ETF	808524847	6,932	347,140	SH		SOLE	0	0	0	347,140
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	76,472	1,470,342	SH		SOLE	0	0	0	1,470,342
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	8,293	236,397	SH		SOLE	0	0	0	236,397
SPDR SER TR	SPDR S&P 500 ETF	78468R796	17,150	384,540	SH		SOLE	0	0	0	384,540
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	73,663	1,513,512	SH		SOLE	0	0	0	1,513,512
VANGUARD INDEX FDS	VALUE ETF	922908744	1,942	12,110	SH		SOLE	0	0	0	12,110
VANGUARD INDEX FDS	GROWTH ETF	922908736	4,900	13,100	SH		SOLE	0	0	0	13,100
VANGUARD INDEX FDS	SMALL CP ETF	922908751	3,558	16,317	SH		SOLE	0	0	0	16,317
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	2,850	34,031	SH		SOLE	0	0	0	34,031
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	19,205	38,399	SH		SOLE	0	0	0	38,399
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	20,642	77,164	SH		SOLE	0	0	0	77,164
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,296	52,478	SH		SOLE	0	0	0	52,478
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	2,464	50,760	SH		SOLE	0	0	0	50,760
VANGUARD SCOTTSDALE FDS	TOTAL WLD BD ETF	92206C565	851	12,522	SH		SOLE	0	0	0	12,522
VANGUARD SCOTTSDALE FDS	TOTAL CORP BND	92206C573	9,923	131,080	SH		SOLE	0	0	0	131,080
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	8,724	192,151	SH		SOLE	0	0	0	192,151
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	3,720	75,278	SH		SOLE	0	0	0	75,278
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	8,418	42,667	SH		SOLE	0	0	0	42,667