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    <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00123Q104</cusip>
    <value>291827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>32175</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>478866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1922</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
    <titleOfClass>AVANTIS EMGMKT</titleOfClass>
    <cusip>025072604</cusip>
    <value>245486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>323817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLIED DIGITAL CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>038169207</cusip>
    <value>268070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>11000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARMADA ACQUISITION CORP II</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>G0R38G104</cusip>
    <value>204180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>12450</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
    <titleOfClass>SHS CREAT UNIT</titleOfClass>
    <cusip>14020W106</cusip>
    <value>843200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>17261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
    <titleOfClass>SHS CREAT UNIT</titleOfClass>
    <cusip>14020G101</cusip>
    <value>1241578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>26177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
    <titleOfClass>SHS CREAT UNIT</titleOfClass>
    <cusip>14019W109</cusip>
    <value>675822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>19709</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>CORE PLUS INCM</titleOfClass>
    <cusip>14020Y102</cusip>
    <value>460723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>21763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>513230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>891818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DYNEX CAP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26817Q886</cusip>
    <value>308912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>27730</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY MERRIMACK STR TR</nameOfIssuer>
    <titleOfClass>TOTAL BD ETF</titleOfClass>
    <cusip>316188309</cusip>
    <value>596934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13786</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>302609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>285147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARTFORD FDS EXCHANGE TRADED</nameOfIssuer>
    <titleOfClass>TOTAL RTRN ETF</titleOfClass>
    <cusip>41653L305</cusip>
    <value>679492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>21201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
    <cusip>46137V472</cusip>
    <value>4331573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>38796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>3014563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>4075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>3002271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>36992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>23961912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>247336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>247336</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>49610997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>64779</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>9605209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>101599</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>4995359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>51266</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE INTL AGGR</titleOfClass>
    <cusip>46435G672</cusip>
    <value>282310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>5738</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI INTL</titleOfClass>
    <cusip>46435G326</cusip>
    <value>2265365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>25317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>1277113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>17750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>2203848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>16200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>631115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>8174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>1017436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1984</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>410856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>1799</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>689648103</cusip>
    <value>275477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
    <titleOfClass>PGIM ULTRA SH BD</titleOfClass>
    <cusip>69344A107</cusip>
    <value>296760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QXO INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>82846H405</cusip>
    <value>158809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>ULTRA SHORT INCM</titleOfClass>
    <cusip>808524623</cusip>
    <value>335294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>13353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>HIGH YIEL BD ETF</titleOfClass>
    <cusip>808524631</cusip>
    <value>605558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>23992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>218208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR MID CAP</titleOfClass>
    <cusip>922908629</cusip>
    <value>774398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>9875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR SML CAP</titleOfClass>
    <cusip>922908751</cusip>
    <value>671112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2359</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR VAL ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>487476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>2256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>421217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR TTL STK</titleOfClass>
    <cusip>922908769</cusip>
    <value>237642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>2443302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>51590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>214181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
    <titleOfClass>SHORT TRM TAX EX</titleOfClass>
    <cusip>921935870</cusip>
    <value>2007989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>20365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>473883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>10331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT</titleOfClass>
    <cusip>97717X669</cusip>
    <value>328768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>3381</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
