# EDGAR Filing Document

**Accession Number:** 0001728449
**File Stem:** 0001085146-23-000463
**Filing Date:** 2023-1
**Character Count:** 11427
**Document Hash:** 114ece2f2de5aa5cfb8ca0a7d634e16c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001085146-23-000463.hdr.sgml**: 20230131

**ACCESSION NUMBER**: 0001085146-23-000463

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230131

**DATE AS OF CHANGE**: 20230130

**EFFECTIVENESS DATE**: 20230131

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Relaxing Retirement Coach
- **CENTRAL INDEX KEY:** 0001728449
- **IRS NUMBER:** 651207738
- **STATE OF INCORPORATION:** MA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-18319
- **FILM NUMBER:** 23569791

**BUSINESS ADDRESS:**
- **STREET 1:** 80 WILLIAM STREET
- **STREET 2:** SUITE 260
- **CITY:** WELLESLEY
- **STATE:** MA
- **ZIP:** 02481
- **BUSINESS PHONE:** 781-235-7550

**MAIL ADDRESS:**
- **STREET 1:** 80 WILLIAM STREET
- **STREET 2:** SUITE 260
- **CITY:** WELLESLEY
- **STATE:** MA
- **ZIP:** 02481

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Relaxing Retirement Coach<br>**Address:** 80 WILLIAM STREET<br>SUITE 260<br>WELLESLEY, MA 02481

**Form 13F File Number:** 028-18319

**CRD Number (if applicable):** 000129805

**SEC File Number (if applicable):** 801-69302

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Jack Phelps<br>**Title:** President<br>**Phone:** 781-235-7550

**Signature, Place, and Date of Signing:**

/s/  Jack Phelps  Wellesley, MA  01-30-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 66

**Form 13F Information Table Value Total:** $269996278

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ABBOTT LABS | COM | 002824100 | BBG001S5N9M6 | 900498 | 8202 | SH |  | SOLE |  | 0 | 0 | 8202 |
| ABBVIE INC | COM | 00287Y109 | BBG0025Y4RZ3 | 1325525 | 8202 | SH |  | SOLE |  | 0 | 0 | 8202 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 | BBG001S5NFD2 | 398182 | 4194 | SH |  | SOLE |  | 0 | 0 | 4194 |
| CAMBRIDGE BANCORP | COM | 132152109 | BBG001S7RSV6 | 539890 | 6500 | SH |  | SOLE |  | 0 | 0 | 6500 |
| CHEVRON CORP NEW | COM | 166764100 | BBG001S67ZC5 | 231901 | 1292 | SH |  | SOLE |  | 0 | 0 | 1292 |
| CIGNA CORP NEW | COM | 125523100 | BBG00KXRCDQ9 | 548699 | 1656 | SH |  | SOLE |  | 0 | 0 | 1656 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | BBG01254CL28 | 17215675 | 414638 | SH |  | SOLE |  | 0 | 0 | 414638 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 | BBG017159MD8 | 20071317 | 893645 | SH |  | SOLE |  | 0 | 0 | 893645 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | BBG017158GJ6 | 1766468 | 78127 | SH |  | SOLE |  | 0 | 0 | 78127 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 | BBG00Y2PHW26 | 1688447 | 76922 | SH |  | SOLE |  | 0 | 0 | 76922 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 | BBG012G21Y06 | 2692768 | 88578 | SH |  | SOLE |  | 0 | 0 | 88578 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 | BBG00Y2PGDN6 | 5792521 | 231331 | SH |  | SOLE |  | 0 | 0 | 231331 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 | BBG01631TNW2 | 43369926 | 1940488 | SH |  | SOLE |  | 0 | 0 | 1940488 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 | BBG01633DW64 | 966168 | 44915 | SH |  | SOLE |  | 0 | 0 | 44915 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | BBG01633Y2Y6 | 499288 | 22479 | SH |  | SOLE |  | 0 | 0 | 22479 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 | BBG012558MV6 | 10881368 | 227597 | SH |  | SOLE |  | 0 | 0 | 227597 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 | BBG011DXXNJ2 | 50751278 | 1219692 | SH |  | SOLE |  | 0 | 0 | 1219692 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 | BBG01BN5Z188 | 2139420 | 87217 | SH |  | SOLE |  | 0 | 0 | 87217 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 | BBG0177CTQC7 | 2582178 | 77126 | SH |  | SOLE |  | 0 | 0 | 77126 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 | BBG015GTL6R0 | 7106948 | 336027 | SH |  | SOLE |  | 0 | 0 | 336027 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | BBG011DXXVM0 | 24893932 | 486680 | SH |  | SOLE |  | 0 | 0 | 486680 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 | BBG011DXY0L8 | 13563221 | 308602 | SH |  | SOLE |  | 0 | 0 | 308602 |
| EXXON MOBIL CORP | COM | 30231G102 | BBG001S69V32 | 222917 | 2021 | SH |  | SOLE |  | 0 | 0 | 2021 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 | BBG001S5S399 | 262196 | 1861 | SH |  | SOLE |  | 0 | 0 | 1861 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 | BBG001S9GN63 | 386905 | 1453 | SH |  | SOLE |  | 0 | 0 | 1453 |
| ISHARES TR | CORE S MCP ETF | 464287507 | BBG001SFC7V0 | 2292730 | 9478 | SH |  | SOLE |  | 0 | 0 | 9478 |
| ISHARES TR | CORE S ETF | 464287200 | BBG001SFB7R6 | 2022156 | 5264 | SH |  | SOLE |  | 0 | 0 | 5264 |
| ISHARES TR | GL CLEAN ENE ETF | 464288224 | BBG001S7XDQ8 | 208028 | 10480 | SH |  | SOLE |  | 0 | 0 | 10480 |
| ISHARES TR | S MC 400GR ETF | 464287606 | BBG001SFQL08 | 265004 | 3880 | SH |  | SOLE |  | 0 | 0 | 3880 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | BBG001SLS4Q3 | 279548 | 2681 | SH |  | SOLE |  | 0 | 0 | 2681 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 | BBG001SFQL26 | 216405 | 2370 | SH |  | SOLE |  | 0 | 0 | 2370 |
| LILLY ELI  CO | COM | 532457108 | BBG001S5STL8 | 398034 | 1088 | SH |  | SOLE |  | 0 | 0 | 1088 |
| LINDE PLC | SHS | G5494J103 | BBG00GVR8YR8 | 228326 | 700 | SH |  | SOLE |  | 0 | 0 | 700 |
| MERCK  CO INC | COM | 58933Y105 | BBG001S5TC52 | 636409 | 5736 | SH |  | SOLE |  | 0 | 0 | 5736 |
| MOODYS CORP | COM | 615369105 | BBG001S5VP87 | 303139 | 1088 | SH |  | SOLE |  | 0 | 0 | 1088 |
| PIMCO STRATEGIC INCOME FD | COM | 72200X104 | BBG001S5QG01 | 54103 | 10952 | SH |  | SOLE |  | 0 | 0 | 10952 |
| PROCTER AND GAMBLE CO | COM | 742718109 | BBG001S5V4L9 | 853434 | 5631 | SH |  | SOLE |  | 0 | 0 | 5631 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 | BBG001T6L7D9 | 1494792 | 63151 | SH |  | SOLE |  | 0 | 0 | 63151 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 | BBG001T5XQY3 | 1252656 | 38889 | SH |  | SOLE |  | 0 | 0 | 38889 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 | BBG001T6L7C0 | 1122801 | 35679 | SH |  | SOLE |  | 0 | 0 | 35679 |
| SCHWAB STRATEGIC TR | SCHWAB FDT US SC | 808524763 | BBG0051NXNX3 | 229876 | 4920 | SH |  | SOLE |  | 0 | 0 | 4920 |
| SCHWAB STRATEGIC TR | SCHWB FDT INT SC | 808524748 | BBG0051QD594 | 482667 | 15440 | SH |  | SOLE |  | 0 | 0 | 15440 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | BBG001T9F795 | 308607 | 6397 | SH |  | SOLE |  | 0 | 0 | 6397 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 | BBG0025RWLM4 | 281915 | 3732 | SH |  | SOLE |  | 0 | 0 | 3732 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | BBG001T66WN0 | 4834733 | 87017 | SH |  | SOLE |  | 0 | 0 | 87017 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | BBG001T66WQ7 | 1272404 | 19273 | SH |  | SOLE |  | 0 | 0 | 19273 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | BBG001T5XQV6 | 7485534 | 165795 | SH |  | SOLE |  | 0 | 0 | 165795 |
| SCHWAB STRATEGIC TR | US MID-CAP ETF | 808524508 | BBG001V036R6 | 6691359 | 101987 | SH |  | SOLE |  | 0 | 0 | 101987 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | BBG001T5XQW5 | 3412209 | 84230 | SH |  | SOLE |  | 0 | 0 | 84230 |
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 | BBG001T083N5 | 482532 | 10271 | SH |  | SOLE |  | 0 | 0 | 10271 |
| TRAVELERS COMPANIES INC | COM | 89417E109 | BBG001S5R103 | 299984 | 1600 | SH |  | SOLE |  | 0 | 0 | 1600 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 | BBG001TC6MF8 | 1082544 | 5132 | SH |  | SOLE |  | 0 | 0 | 5132 |
| VANGUARD ADMIRAL FDS INC | 500 VAL IDX FD | 921932703 | BBG001TC6MG7 | 521559 | 3724 | SH |  | SOLE |  | 0 | 0 | 3724 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 GRTH | 921932869 | BBG001TC6MK2 | 2491331 | 14714 | SH |  | SOLE |  | 0 | 0 | 14714 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 IDX | 921932885 | BBG001TC6MJ4 | 761760 | 4657 | SH |  | SOLE |  | 0 | 0 | 4657 |
| VANGUARD ADMIRAL FDS INC | MIDCP 400 VAL | 921932844 | BBG001TC6MN9 | 4519166 | 29457 | SH |  | SOLE |  | 0 | 0 | 29457 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 | BBG001SRN7S6 | 1181671 | 6574 | SH |  | SOLE |  | 0 | 0 | 6574 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 | BBG001SRN7W1 | 1702031 | 12584 | SH |  | SOLE |  | 0 | 0 | 12584 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | BBG001SHVTR2 | 1172592 | 7385 | SH |  | SOLE |  | 0 | 0 | 7385 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | BBG001SHTTV0 | 297701 | 1622 | SH |  | SOLE |  | 0 | 0 | 1622 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | BBG001SHTTW9 | 1374067 | 6852 | SH |  | SOLE |  | 0 | 0 | 6852 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | BBG001SHVR78 | 636133 | 4532 | SH |  | SOLE |  | 0 | 0 | 4532 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | BBG001SHTTZ6 | 1301961 | 33400 | SH |  | SOLE |  | 0 | 0 | 33400 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000GRW | 92206C623 | BBG001TCH7Y8 | 2130258 | 13681 | SH |  | SOLE |  | 0 | 0 | 13681 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000VAL | 92206C649 | BBG001TCHH03 | 2396690 | 19682 | SH |  | SOLE |  | 0 | 0 | 19682 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | BBG001SSPWL4 | 219793 | 5237 | SH |  | SOLE |  | 0 | 0 | 5237 |

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