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  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <cusip>46434G103</cusip>
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  <infoTable>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>3 7 YR TREAS BD</titleOfClass>
    <cusip>464288661</cusip>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>46432F842</cusip>
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      <None>8825</None>
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    <nameOfIssuer>KAYNE ANDERSN MLP MIDS INVT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>486606106</cusip>
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    <cusip>808524102</cusip>
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    <cusip>808524201</cusip>
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    <cusip>808524607</cusip>
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    <cusip>808524805</cusip>
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      <None>22079</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524839</cusip>
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      <None>29393</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524854</cusip>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524862</cusip>
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    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
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    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
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    <shrsOrPrnAmt>
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    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
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    <shrsOrPrnAmt>
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      <None>12220</None>
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    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>582</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3501</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2081</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>8635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43601</Sole>
      <Shared>0</Shared>
      <None>12509</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>9731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>197967</Sole>
      <Shared>0</Shared>
      <None>43741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>15231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>157584</Sole>
      <Shared>0</Shared>
      <None>30338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>13412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>258984</Sole>
      <Shared>0</Shared>
      <None>67505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS INC</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>16301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>147357</Sole>
      <Shared>0</Shared>
      <None>36354</None>
    </votingAuthority>
  </infoTable>
</informationTable>
