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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CORE US AGGBD ET</titleOfClass>
        <cusip>464287226</cusip>
        <value>1307602</value>
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        <votingAuthority>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
        <cusip>464287689</cusip>
        <value>2009511</value>
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            <sshPrnamt>6012</sshPrnamt>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>0-5YR HI YL CP</titleOfClass>
        <cusip>46434V407</cusip>
        <value>1084120</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25443</sshPrnamt>
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        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US TIPS ETF</titleOfClass>
        <cusip>808524870</cusip>
        <value>780972</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30235</sshPrnamt>
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            <Sole>30235</Sole>
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            <None>0</None>
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        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
        <cusip>921943858</cusip>
        <value>3923776</value>
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            <Sole>82053</Sole>
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    <infoTable>
        <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
        <titleOfClass>TOTAL INT BD ETF</titleOfClass>
        <cusip>92203J407</cusip>
        <value>799392</value>
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        <votingAuthority>
            <Sole>16297</Sole>
            <Shared>0</Shared>
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    <infoTable>
        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
        <cusip>922042858</cusip>
        <value>1430165</value>
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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>1327662</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17019</sshPrnamt>
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        <votingAuthority>
            <Sole>17019</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
        <cusip>922908363</cusip>
        <value>2948583</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5472</sshPrnamt>
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        <votingAuthority>
            <Sole>5472</Sole>
            <Shared>0</Shared>
            <None>0</None>
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        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>MID CAP ETF</titleOfClass>
        <cusip>922908629</cusip>
        <value>625016</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2366</sshPrnamt>
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        <votingAuthority>
            <Sole>2366</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>SMALL CP ETF</titleOfClass>
        <cusip>922908751</cusip>
        <value>392704</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1634</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1634</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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