<?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>216983</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>1670</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>1670</ns1:None>
    </ns1:votingAuthority>
  </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>5133546</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>54243</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>54243</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>9167005</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>158379</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>158379</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>J P MORGAN EXCHANGE TRADED F</ns1:nameOfIssuer><ns1:titleOfClass>ULTRA SHRT INC</ns1:titleOfClass><ns1:cusip>46641Q837</ns1:cusip><ns1:value>9800452</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>195501</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>195501</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>UNITEDHEALTH GROUP INC</ns1:nameOfIssuer><ns1:titleOfClass>COM</ns1:titleOfClass><ns1:cusip>91324P102</ns1:cusip><ns1:value>291599</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>550</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>550</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD BD INDEX FDS</ns1:nameOfIssuer><ns1:titleOfClass>TOTAL BND MRKT</ns1:titleOfClass><ns1:cusip>921937835</ns1:cusip><ns1:value>10675430</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>148600</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>148600</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD WORLD FDS</ns1:nameOfIssuer><ns1:titleOfClass>INF TECH ETF</ns1:titleOfClass><ns1:cusip>92204A702</ns1:cusip><ns1:value>3684017</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>11534</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>11534</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD SCOTTSDALE FDS</ns1:nameOfIssuer><ns1:titleOfClass>SHORT TERM TREAS</ns1:titleOfClass><ns1:cusip>92206C102</ns1:cusip><ns1:value>17531670</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>303211</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>303211</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>5625542</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>68205</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>68205</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer><ns1:titleOfClass>TOTAL STK MKT</ns1:titleOfClass><ns1:cusip>922908769</ns1:cusip><ns1:value>30073466</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>157296</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>157296</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable></ns1:informationTable>
