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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CORE US AGGBD ET</titleOfClass>
        <cusip>464287226</cusip>
        <value>1641273</value>
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        <votingAuthority>
            <Sole>16372</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>0-5YR HI YL CP</titleOfClass>
        <cusip>46434V407</cusip>
        <value>1321877</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30528</sshPrnamt>
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        <votingAuthority>
            <Sole>30528</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US TIPS ETF</titleOfClass>
        <cusip>808524870</cusip>
        <value>1000630</value>
        <shrsOrPrnAmt>
            <sshPrnamt>37129</sshPrnamt>
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        <votingAuthority>
            <Sole>37129</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
        <cusip>921943858</cusip>
        <value>5400078</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90121</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>90121</Sole>
            <Shared>0</Shared>
            <None>0</None>
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        <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
        <titleOfClass>TOTAL INT BD ETF</titleOfClass>
        <cusip>92203J407</cusip>
        <value>931822</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18840</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>18840</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
        <cusip>922042858</cusip>
        <value>1847030</value>
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            <sshPrnamt>34091</sshPrnamt>
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        <votingAuthority>
            <Sole>34091</Sole>
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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>1624262</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20321</sshPrnamt>
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        <votingAuthority>
            <Sole>20321</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>3555766</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5806</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5806</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>MID CAP ETF</titleOfClass>
        <cusip>922908629</cusip>
        <value>738644</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2515</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>2515</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>459934</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1809</sshPrnamt>
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        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1809</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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