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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CORE US AGGBD ET</titleOfClass>
        <cusip>464287226</cusip>
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        <votingAuthority>
            <Sole>4930</Sole>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
        <cusip>464287689</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>7369</sshPrnamt>
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        <votingAuthority>
            <Sole>7369</Sole>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>0-5YR HI YL CP</titleOfClass>
        <cusip>46434V407</cusip>
        <value>385510</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9131</sshPrnamt>
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        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US TIPS ETF</titleOfClass>
        <cusip>808524870</cusip>
        <value>290260</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5561</sshPrnamt>
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        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
        <cusip>921943858</cusip>
        <value>1578618</value>
        <shrsOrPrnAmt>
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            <Sole>32957</Sole>
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        <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
        <titleOfClass>TOTAL INT BD ETF</titleOfClass>
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        <value>292261</value>
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        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
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        <votingAuthority>
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            <None>0</None>
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        <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
        <titleOfClass>SHRT TRM CORP BD</titleOfClass>
        <cusip>92206C409</cusip>
        <value>480197</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6207</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>6207</Sole>
            <Shared>0</Shared>
            <None>0</None>
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        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
        <cusip>922908363</cusip>
        <value>1016233</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2327</sshPrnamt>
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        <votingAuthority>
            <Sole>2327</Sole>
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        </votingAuthority>
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        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>MID CAP ETF</titleOfClass>
        <cusip>922908629</cusip>
        <value>226102</value>
        <shrsOrPrnAmt>
            <sshPrnamt>972</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>972</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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