<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>
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      <liveTestFlag>LIVE</liveTestFlag>
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      <filer>
        <credentials>
          <cik>0001994461</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
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      <periodOfReport>06-30-2024</periodOfReport>
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    <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>
      <stateOrCountry>RI</stateOrCountry>
      <signatureDate>07-31-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>83</tableEntryTotal>
      <tableValueTotal>239334</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>EFN.13F.2024Q2.xml
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE DIV GRWTH</titleOfClass>
		<cusip>46434V621</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5517</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5517</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>ESG AW MSCI EAFE</titleOfClass>
		<cusip>46435G516</cusip>
		<value>772</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9802</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9802</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>USD GRN BOND ETF</titleOfClass>
		<cusip>46435U440</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4738</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4738</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>ESG EAFE ETF</titleOfClass>
		<cusip>46436E759</cusip>
		<value>2110</value>
		<shrsOrPrnAmt>
			<sshPrnamt>31292</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>31292</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>ESG MSCI USA ETF</titleOfClass>
		<cusip>46436E767</cusip>
		<value>1883</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40415</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40415</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
		<titleOfClass>EQUITY PREMIUM</titleOfClass>
		<cusip>46641Q332</cusip>
		<value>208</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3665</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3665</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>660</value>
		<shrsOrPrnAmt>
			<sshPrnamt>729</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>729</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOWES COS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>548661107</cusip>
		<value>1045</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4742</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4742</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>56585A102</cusip>
		<value>234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1348</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1348</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>641</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1434</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67066G104</cusip>
		<value>663</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5370</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
		<titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
		<cusip>67092P201</cusip>
		<value>1878</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23140</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23140</None>
		</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&amp;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&amp;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&amp;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&amp;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>