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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CORE US AGGBD ET</titleOfClass>
        <cusip>464287226</cusip>
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        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>0-5YR HI YL CP</titleOfClass>
        <cusip>46434V407</cusip>
        <value>1393782</value>
        <shrsOrPrnAmt>
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        <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
        <titleOfClass>US TIPS ETF</titleOfClass>
        <cusip>808524870</cusip>
        <value>1040055</value>
        <shrsOrPrnAmt>
            <sshPrnamt>39247</sshPrnamt>
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            <Sole>39247</Sole>
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        <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
        <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
        <cusip>921943858</cusip>
        <value>6615810</value>
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    <infoTable>
        <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
        <titleOfClass>TOTAL INT BD ETF</titleOfClass>
        <cusip>92203J407</cusip>
        <value>975338</value>
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        <votingAuthority>
            <Sole>20139</Sole>
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    <infoTable>
        <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
        <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
        <cusip>922042858</cusip>
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        <votingAuthority>
            <Sole>35009</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>1691918</value>
        <shrsOrPrnAmt>
            <sshPrnamt>21409</sshPrnamt>
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        <votingAuthority>
            <Sole>21409</Sole>
            <Shared>0</Shared>
            <None>0</None>
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    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
        <cusip>922908363</cusip>
        <value>4058938</value>
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            <sshPrnamt>5910</sshPrnamt>
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            <Sole>5910</Sole>
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        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>MID CAP ETF</titleOfClass>
        <cusip>922908629</cusip>
        <value>827008</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10264</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>10264</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>559021</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1844</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
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            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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