<?xml version="1.0" encoding="UTF-8" standalone="yes"?><ns1:informationTable xmlns:ns1="http://www.sec.gov/edgar/document/thirteenf/informationtable"><ns1:infoTable>
        <ns1:nameOfIssuer>APPLE INC</ns1:nameOfIssuer><ns1:titleOfClass>COM</ns1:titleOfClass><ns1:cusip>037833100</ns1:cusip><ns1:value>340</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>931</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>931</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>FIRST TR NASDAQ-100 TECH IND</ns1:nameOfIssuer><ns1:titleOfClass>CAP STRENGTH ETF</ns1:titleOfClass><ns1:cusip>33733E104</ns1:cusip><ns1:value>1944</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>33268</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>33268</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</ns1:nameOfIssuer><ns1:titleOfClass>SML CP GRW ALP</ns1:titleOfClass><ns1:cusip>33737M300</ns1:cusip><ns1:value>2547</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>60039</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>60039</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>FIRST TR EXCH TRADED FD III</ns1:nameOfIssuer><ns1:titleOfClass>MANAGD MUN ETF</ns1:titleOfClass><ns1:cusip>33739N108</ns1:cusip><ns1:value>3938</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>71581</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>71581</ns1:None>
    </ns1:votingAuthority>
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        <ns1:nameOfIssuer>FIRST TR EXCH TRADED FD III</ns1:nameOfIssuer><ns1:titleOfClass>RIVRFRNT DYN DEV</ns1:titleOfClass><ns1:cusip>33739P608</ns1:cusip><ns1:value>1032</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>19306</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>19306</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>FIRST TR EXCH TRADED FD III</ns1:nameOfIssuer><ns1:titleOfClass>HORIZON MNGD ETF</ns1:titleOfClass><ns1:cusip>33739P871</ns1:cusip><ns1:value>1204</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>43033</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>43033</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</ns1:nameOfIssuer><ns1:titleOfClass>FST LOW OPPT EFT</ns1:titleOfClass><ns1:cusip>33739Q200</ns1:cusip><ns1:value>2113</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>40894</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>40894</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</ns1:nameOfIssuer><ns1:titleOfClass>TCW OPPORTUNIS</ns1:titleOfClass><ns1:cusip>33740F805</ns1:cusip><ns1:value>1551</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>28315</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>28315</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>GREIF INC</ns1:nameOfIssuer><ns1:titleOfClass>CL A</ns1:titleOfClass><ns1:cusip>397624107</ns1:cusip><ns1:value>335</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>9750</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>9750</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>INVESCO EXCH TRADED FD TR II</ns1:nameOfIssuer><ns1:titleOfClass>S&amp;P MIDCP LOW</ns1:titleOfClass><ns1:cusip>46138E198</ns1:cusip><ns1:value>4147</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>100217</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>100217</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>INVESCO EXCH TRADED FD TR II</ns1:nameOfIssuer><ns1:titleOfClass>S&amp;P500 LOW VOL</ns1:titleOfClass><ns1:cusip>46138E354</ns1:cusip><ns1:value>6389</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>128606</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>128606</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>INVESCO EXCHANGE-TRADED FD T</ns1:nameOfIssuer><ns1:titleOfClass>S&amp;P SMLCP LOW</ns1:titleOfClass><ns1:cusip>46138G102</ns1:cusip><ns1:value>2355</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>69549</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>69549</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CORE S&amp;P500 ETF</ns1:titleOfClass><ns1:cusip>464287200</ns1:cusip><ns1:value>4958</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>16009</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>16009</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CORE US AGGBD ET</ns1:titleOfClass><ns1:cusip>464287226</ns1:cusip><ns1:value>301</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>2550</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>2550</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>S&amp;P 500 GRWT ETF</ns1:titleOfClass><ns1:cusip>464287309</ns1:cusip><ns1:value>292</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>1409</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
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      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>1409</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CORE S&amp;P MCP ETF</ns1:titleOfClass><ns1:cusip>464287507</ns1:cusip><ns1:value>4369</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>24570</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>24570</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>COHEN STEER REIT</ns1:titleOfClass><ns1:cusip>464287564</ns1:cusip><ns1:value>2566</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>25439</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>25439</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>S&amp;P MC 400VL ETF</ns1:titleOfClass><ns1:cusip>464287705</ns1:cusip><ns1:value>286</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>2153</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>2153</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CORE S&amp;P SCP ETF</ns1:titleOfClass><ns1:cusip>464287804</ns1:cusip><ns1:value>4597</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>67315</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>67315</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>SHRT NAT MUN ETF</ns1:titleOfClass><ns1:cusip>464288158</ns1:cusip><ns1:value>262</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>2425</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>2425</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>NATIONAL MUN ETF</ns1:titleOfClass><ns1:cusip>464288414</ns1:cusip><ns1:value>3352</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>29043</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>29043</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CMBS ETF</ns1:titleOfClass><ns1:cusip>46429B366</ns1:cusip><ns1:value>303</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>5524</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>5524</ns1:None>
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  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>MIN VOL EAFE ETF</ns1:titleOfClass><ns1:cusip>46429B689</ns1:cusip><ns1:value>3699</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>55999</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>55999</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CORE MSCI TOTAL</ns1:titleOfClass><ns1:cusip>46432F834</ns1:cusip><ns1:value>1603</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>29396</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>29396</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer><ns1:titleOfClass>CORE 1 5 YR USD</ns1:titleOfClass><ns1:cusip>46432F859</ns1:cusip><ns1:value>591</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>11481</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>11481</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SPDR INDEX SHS FDS</ns1:nameOfIssuer><ns1:titleOfClass>PORTFOLIO DEVLPD</ns1:titleOfClass><ns1:cusip>78463X889</ns1:cusip><ns1:value>203</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>7360</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>7360</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SSGA ACTIVE ETF TR</ns1:nameOfIssuer><ns1:titleOfClass>SPDR TR TACTIC</ns1:titleOfClass><ns1:cusip>78467V848</ns1:cusip><ns1:value>1785</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>36022</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>36022</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer><ns1:titleOfClass>NUVEEN BLMBRG SR</ns1:titleOfClass><ns1:cusip>78468R739</ns1:cusip><ns1:value>3335</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>66869</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>66869</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer><ns1:titleOfClass>PORTFOLIO S&amp;P600</ns1:titleOfClass><ns1:cusip>78468R853</ns1:cusip><ns1:value>870</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>32743</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>32743</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>US LRG CAP ETF</ns1:titleOfClass><ns1:cusip>808524201</ns1:cusip><ns1:value>21960</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>296350</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>296350</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>US LCAP GR ETF</ns1:titleOfClass><ns1:cusip>808524300</ns1:cusip><ns1:value>294</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>2899</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>2899</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>US MID-CAP ETF</ns1:titleOfClass><ns1:cusip>808524508</ns1:cusip><ns1:value>13004</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>247124</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>247124</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>US SML CAP ETF</ns1:titleOfClass><ns1:cusip>808524607</ns1:cusip><ns1:value>13959</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>213638</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>213638</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>INTL EQTY ETF</ns1:titleOfClass><ns1:cusip>808524805</ns1:cusip><ns1:value>2894</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>97272</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>97272</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>US AGGREGATE B</ns1:titleOfClass><ns1:cusip>808524839</ns1:cusip><ns1:value>575</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>10226</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>10226</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>US REIT ETF</ns1:titleOfClass><ns1:cusip>808524847</ns1:cusip><ns1:value>1445</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>41040</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>41040</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>SCHWAB STRATEGIC TR</ns1:nameOfIssuer><ns1:titleOfClass>SHT TM US TRES</ns1:titleOfClass><ns1:cusip>808524862</ns1:cusip><ns1:value>817</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>15829</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>15829</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD CHARLOTTE FDS</ns1:nameOfIssuer><ns1:titleOfClass>INTL BD IDX ETF</ns1:titleOfClass><ns1:cusip>92203J407</ns1:cusip><ns1:value>4147</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>71840</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>71840</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer><ns1:titleOfClass>REAL ESTATE ETF</ns1:titleOfClass><ns1:cusip>922908553</ns1:cusip><ns1:value>320</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>4069</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>4069</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer><ns1:titleOfClass>MID CAP ETF</ns1:titleOfClass><ns1:cusip>922908629</ns1:cusip><ns1:value>2722</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>16608</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>16608</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer><ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass><ns1:cusip>922908736</ns1:cusip><ns1:value>202</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>1000</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>1000</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer><ns1:titleOfClass>SMALL CP ETF</ns1:titleOfClass><ns1:cusip>922908751</ns1:cusip><ns1:value>1198</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>8225</ns1:sshPrnamt>
      <ns1:sshPrnamtType>SH</ns1:sshPrnamtType>
    </ns1:shrsOrPrnAmt><ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion><ns1:votingAuthority>
      <ns1:Sole>0</ns1:Sole>
      <ns1:Shared>0</ns1:Shared>
      <ns1:None>8225</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable></ns1:informationTable>
