<SEC-DOCUMENT>0001994461-24-000007.txt : 20240731 <SEC-HEADER>0001994461-24-000007.hdr.sgml : 20240731 <ACCEPTANCE-DATETIME>20240731112353 ACCESSION NUMBER: 0001994461-24-000007 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240630 FILED AS OF DATE: 20240731 DATE AS OF CHANGE: 20240731 EFFECTIVENESS DATE: 20240731 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Equita Financial Network, Inc. CENTRAL INDEX KEY: 0001994461 ORGANIZATION NAME: IRS NUMBER: 474361660 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-23412 FILM NUMBER: 241160547 BUSINESS ADDRESS: STREET 1: 500 OFFICE CENTER DRIVE STREET 2: SUITE 400 CITY: FORT WASHINGTON STATE: PA ZIP: 19034 BUSINESS PHONE: 858-751-9074 MAIL ADDRESS: STREET 1: 500 OFFICE CENTER DRIVE STREET 2: SUITE 400 CITY: FORT WASHINGTON STATE: PA ZIP: 19034 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001994461</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>06-30-2024</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>06-30-2024</reportCalendarOrQuarter> <filingManager> <name>Equita Financial Network, Inc.</name> <address> <com:street1>500 OFFICE CENTER DRIVE</com:street1> <com:street2>SUITE 400</com:street2> <com:city>FORT WASHINGTON</com:city> <com:stateOrCountry>PA</com:stateOrCountry> <com:zipCode>19034</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-23412</form13FFileNumber> <crdNumber>000277031</crdNumber> <secFileNumber>801-120628</secFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Jim Cullen</name> <title>Chief Compliance Officer</title> <phone>401-466-6010</phone> <signature>Jim Cullen</signature> <city>East Providence</city> 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</votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer> <titleOfClass>NUVEEN ESG LRGVL</titleOfClass> <cusip>67092P300</cusip> <value>1491</value> <shrsOrPrnAmt> <sshPrnamt>39454</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>39454</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer> <titleOfClass>NUVEEN ESG SMLCP</titleOfClass> <cusip>67092P607</cusip> <value>831</value> <shrsOrPrnAmt> <sshPrnamt>21126</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21126</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PEPSICO INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>713448108</cusip> <value>202</value> <shrsOrPrnAmt> <sshPrnamt>1222</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1222</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PIMCO ETF TR</nameOfIssuer> <titleOfClass>INTER MUN BD ACT</titleOfClass> <cusip>72201R866</cusip> <value>8205</value> <shrsOrPrnAmt> <sshPrnamt>157602</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>157602</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF TR</nameOfIssuer> <titleOfClass>TR UNIT</titleOfClass> <cusip>78462F103</cusip> <value>1707</value> <shrsOrPrnAmt> <sshPrnamt>3136</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3136</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR GOLD TR</nameOfIssuer> <titleOfClass>GOLD SHS</titleOfClass> <cusip>78463V107</cusip> <value>3118</value> <shrsOrPrnAmt> <sshPrnamt>14500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14500</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer> <titleOfClass>PORTFOLIO DEVLPD</titleOfClass> <cusip>78463X889</cusip> <value>2658</value> <shrsOrPrnAmt> <sshPrnamt>75769</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>75769</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P 600 SMCP VAL</titleOfClass> <cusip>78464A300</cusip> <value>1405</value> <shrsOrPrnAmt> <sshPrnamt>17937</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17937</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>PORTFLI INTRMDIT</titleOfClass> <cusip>78464A672</cusip> <value>7352</value> <shrsOrPrnAmt> <sshPrnamt>262391</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>262391</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>PORTFOLI S&P1500</titleOfClass> <cusip>78464A805</cusip> <value>2980</value> <shrsOrPrnAmt> <sshPrnamt>44920</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>44920</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>NUVEEN BLMBRG SH</titleOfClass> <cusip>78468R739</cusip> <value>527</value> <shrsOrPrnAmt> <sshPrnamt>11167</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11167</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US BRD MKT ETF</titleOfClass> <cusip>808524102</cusip> <value>5859</value> <shrsOrPrnAmt> <sshPrnamt>93192</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>93192</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US LCAP GR ETF</titleOfClass> <cusip>808524300</cusip> <value>857</value> <shrsOrPrnAmt> <sshPrnamt>8498</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8498</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US AGGREGATE B</titleOfClass> <cusip>808524839</cusip> <value>292</value> <shrsOrPrnAmt> <sshPrnamt>6401</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6401</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INT-TRM U.S TRES</titleOfClass> <cusip>808524854</cusip> <value>567</value> <shrsOrPrnAmt> <sshPrnamt>11628</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11628</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>TECHNOLOGY</titleOfClass> <cusip>81369Y803</cusip> <value>287</value> <shrsOrPrnAmt> <sshPrnamt>1270</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1270</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer> <titleOfClass>VG TL INTL STK F</titleOfClass> <cusip>921909768</cusip> <value>6814</value> <shrsOrPrnAmt> <sshPrnamt>113007</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>113007</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>ESG US CORP BD</titleOfClass> <cusip>921910691</cusip> <value>205</value> <shrsOrPrnAmt> <sshPrnamt>3301</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3301</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>MEGA CAP INDEX</titleOfClass> <cusip>921910873</cusip> <value>6241</value> <shrsOrPrnAmt> <sshPrnamt>31633</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>31633</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer> <titleOfClass>SHORT TRM BOND</titleOfClass> <cusip>921937827</cusip> <value>220</value> <shrsOrPrnAmt> <sshPrnamt>2865</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2865</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer> <titleOfClass>VAN FTSE DEV MKT</titleOfClass> <cusip>921943858</cusip> <value>543</value> <shrsOrPrnAmt> <sshPrnamt>10990</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10990</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer> <titleOfClass>VAN FTSE DEV MKT</titleOfClass> <cusip>921943858</cusip> <value>21383</value> <shrsOrPrnAmt> <sshPrnamt>432673</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>432673</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer> <titleOfClass>HIGH DIV YLD</titleOfClass> <cusip>921946406</cusip> <value>284</value> <shrsOrPrnAmt> <sshPrnamt>2391</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2391</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer> <titleOfClass>TOTAL INT BD ETF</titleOfClass> <cusip>92203J407</cusip> <value>508</value> <shrsOrPrnAmt> <sshPrnamt>10445</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10445</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer> <titleOfClass>TOTAL INT BD ETF</titleOfClass> <cusip>92203J407</cusip> <value>1128</value> <shrsOrPrnAmt> <sshPrnamt>23178</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>23178</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE SMCAP ETF</titleOfClass> <cusip>922042718</cusip> <value>1273</value> <shrsOrPrnAmt> <sshPrnamt>10834</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10834</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EMR MKT ETF</titleOfClass> <cusip>922042858</cusip> <value>305</value> <shrsOrPrnAmt> <sshPrnamt>6973</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6973</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EMR MKT ETF</titleOfClass> <cusip>922042858</cusip> <value>2430</value> <shrsOrPrnAmt> <sshPrnamt>55541</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>55541</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>SHRT TRM CORP BD</titleOfClass> <cusip>92206C409</cusip> <value>331</value> <shrsOrPrnAmt> <sshPrnamt>4282</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4282</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>SHRT TRM CORP BD</titleOfClass> <cusip>92206C409</cusip> <value>4493</value> <shrsOrPrnAmt> <sshPrnamt>58141</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>58141</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>INTER TERM TREAS</titleOfClass> <cusip>92206C706</cusip> <value>305</value> <shrsOrPrnAmt> <sshPrnamt>5230</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5230</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>INT-TERM CORP</titleOfClass> <cusip>92206C870</cusip> <value>354</value> <shrsOrPrnAmt> <sshPrnamt>4426</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4426</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>INT-TERM CORP</titleOfClass> <cusip>92206C870</cusip> <value>10664</value> <shrsOrPrnAmt> <sshPrnamt>133417</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>133417</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer> <titleOfClass>TAX EXEMPT BD</titleOfClass> <cusip>922907746</cusip> <value>4301</value> <shrsOrPrnAmt> <sshPrnamt>85833</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>85833</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>S&P 500 ETF SHS</titleOfClass> <cusip>922908363</cusip> <value>847</value> <shrsOrPrnAmt> <sshPrnamt>1693</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1693</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>REAL ESTATE ETF</titleOfClass> <cusip>922908553</cusip> <value>201</value> <shrsOrPrnAmt> <sshPrnamt>2399</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2399</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>MID CAP ETF</titleOfClass> <cusip>922908629</cusip> <value>427</value> <shrsOrPrnAmt> <sshPrnamt>1764</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1764</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>LARGE CAP ETF</titleOfClass> <cusip>922908637</cusip> <value>1173</value> <shrsOrPrnAmt> <sshPrnamt>4700</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4700</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>EXTEND MKT ETF</titleOfClass> <cusip>922908652</cusip> <value>6498</value> <shrsOrPrnAmt> <sshPrnamt>38500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>38500</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>VALUE ETF</titleOfClass> <cusip>922908744</cusip> <value>232</value> <shrsOrPrnAmt> <sshPrnamt>1446</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1446</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SMALL CP ETF</titleOfClass> <cusip>922908751</cusip> <value>424</value> <shrsOrPrnAmt> <sshPrnamt>1942</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1942</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL STK MKT</titleOfClass> <cusip>922908769</cusip> <value>27065</value> <shrsOrPrnAmt> <sshPrnamt>101173</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>101173</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>