<?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>794757</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>4642</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>4642</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>5842521</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>61937</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>61937</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>10605452</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>176787</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>176787</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>9455267</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>188427</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>188427</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable><ns1:infoTable>
        <ns1:nameOfIssuer>MICROSOFT CORP</ns1:nameOfIssuer><ns1:titleOfClass>COM</ns1:titleOfClass><ns1:cusip>594918104</ns1:cusip><ns1:value>335714</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>1063</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>1063</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>289405</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>574</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>574</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>10597297</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>151867</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>151867</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>7541089</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>18176</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>18176</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>17774922</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>308592</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>308592</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>6065106</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>80163</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>80163</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>38158922</ns1:value>
    <ns1:shrsOrPrnAmt>
      <ns1:sshPrnamt>179647</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>179647</ns1:None>
    </ns1:votingAuthority>
  </ns1:infoTable></ns1:informationTable>
