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    <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>686</value>
    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
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      <None>3844</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>271</value>
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      <sshPrnamt>1861</sshPrnamt>
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      <None>1861</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>16054</value>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
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      <None>124599</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
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      <None>1250</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>10418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133827</sshPrnamt>
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      <None>133827</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>3640</value>
    <shrsOrPrnAmt>
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      <None>34175</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>11046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233286</sshPrnamt>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6904</sshPrnamt>
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      <None>6904</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>444</value>
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      <sshPrnamt>3572</sshPrnamt>
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      <Shared>0</Shared>
      <None>3572</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
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      <None>271218</None>
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    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>48987</None>
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    <cusip>808524409</cusip>
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      <Shared>0</Shared>
      <None>29541</None>
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    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>7380</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>130604</None>
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    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>3879</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>55682</None>
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    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
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    <shrsOrPrnAmt>
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      <None>324861</None>
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    <cusip>808524730</cusip>
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    <shrsOrPrnAmt>
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      <None>273299</None>
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    <titleOfClass>SCHWB FDT INT SC</titleOfClass>
    <cusip>808524748</cusip>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>350988</None>
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    <titleOfClass>SCHWB FDT INT LG</titleOfClass>
    <cusip>808524755</cusip>
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    <shrsOrPrnAmt>
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      <None>451204</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWAB FDT US SC</titleOfClass>
    <cusip>808524763</cusip>
    <value>6200</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>164208</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4480</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>12631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>396316</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US REIT ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>11275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>238959</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTRM TRM TRES</titleOfClass>
    <cusip>808524854</cusip>
    <value>12147</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>218510</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SHT TM US TRES</titleOfClass>
    <cusip>808524862</cusip>
    <value>15127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>299157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>299157</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>13071</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>411047</None>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P EMKTSC ETF</titleOfClass>
    <cusip>78463X756</cusip>
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      <Shared>0</Shared>
      <None>216171</None>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>MSCI ACWI EXUS</titleOfClass>
    <cusip>78463X848</cusip>
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      <None>16968</None>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
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    <shrsOrPrnAmt>
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      <None>60749</None>
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    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOMBRG BRC INTL</titleOfClass>
    <cusip>78464A151</cusip>
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    <shrsOrPrnAmt>
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      <Sole>0</Sole>
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      <None>455249</None>
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    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOMBERG BRC INT</titleOfClass>
    <cusip>78464A334</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>490772</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOMBERG BRC INV</titleOfClass>
    <cusip>78468R200</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>245103</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1600</None>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 GRTH IDX F</titleOfClass>
    <cusip>921932505</cusip>
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    <shrsOrPrnAmt>
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      <None>6085</None>
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    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 VAL IDX FD</titleOfClass>
    <cusip>921932703</cusip>
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      <None>3742</None>
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    <titleOfClass>MIDCP 400 VAL</titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>0</Shared>
      <None>45484</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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    <cusip>921932869</cusip>
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      <Shared>0</Shared>
      <None>22621</None>
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  <infoTable>
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    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
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      <sshPrnamt>4815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>11113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>1321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>1872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>12098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93866</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>10578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94869</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>3109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000GRW</titleOfClass>
    <cusip>92206C623</cusip>
    <value>2904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000VAL</titleOfClass>
    <cusip>92206C649</cusip>
    <value>4782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17846</None>
    </votingAuthority>
  </infoTable>
</informationTable>
