<SEC-DOCUMENT>0001527641-21-000003.txt : 20210514
<SEC-HEADER>0001527641-21-000003.hdr.sgml : 20210514
<ACCEPTANCE-DATETIME>20210514094732
ACCESSION NUMBER:		0001527641-21-000003
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210331
FILED AS OF DATE:		20210514
DATE AS OF CHANGE:		20210514
EFFECTIVENESS DATE:		20210514

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MATHER GROUP, LLC.
		CENTRAL INDEX KEY:			0001527641
		IRS NUMBER:				472381165
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-14531
		FILM NUMBER:		21922311

	BUSINESS ADDRESS:	
		STREET 1:		353 N. CLARK STREET
		STREET 2:		SUITE 2775
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60654
		BUSINESS PHONE:		630-537-1078

	MAIL ADDRESS:	
		STREET 1:		353 N. CLARK STREET
		STREET 2:		SUITE 2775
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60654

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	MATHER GROUP, INC.
		DATE OF NAME CHANGE:	20110809
</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">
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0001527641</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>03-31-2021</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>03-31-2021</reportCalendarOrQuarter>
      <filingManager>
        <name>MATHER GROUP, LLC.</name>
        <address>
          <com:street1>353 N. CLARK STREET</com:street1>
          <com:street2>SUITE 2775</com:street2>
          <com:city>CHICAGO</com:city>
          <com:stateOrCountry>IL</com:stateOrCountry>
          <com:zipCode>60654</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-14531</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Mauren Kiefer-Goldenberg</name>
      <title>Chief Compliance Officer</title>
      <phone>312-535-4296</phone>
      <signature>Mauren Kiefer-Goldenberg</signature>
      <city>Chicago</city>
      <stateOrCountry>IL</stateOrCountry>
      <signatureDate>05-14-2021</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>269</tableEntryTotal>
      <tableValueTotal>3534325</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>13F_5_14_2021.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<n1:informationTable xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable">
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD WORLD FD</n1:nameOfIssuer>
		<n1:titleOfClass>ESG US STK ETF</n1:titleOfClass>
		<n1:cusip>921910733</n1:cusip>
		<n1:value>2971</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>40280</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>40280</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ACTIVISION BLIZZARD INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>00507V109</n1:cusip>
		<n1:value>563</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6053</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>6053</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PFIZER INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>717081103</n1:cusip>
		<n1:value>540</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>14913</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>14913</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ITAU UNIBANCO HLDG S A</n1:nameOfIssuer>
		<n1:titleOfClass>SPON ADR REP PFD</n1:titleOfClass>
		<n1:cusip>465562106</n1:cusip>
		<n1:value>70</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>14028</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>14028</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NETAPP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>64110D104</n1:cusip>
		<n1:value>220</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3033</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3033</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DANAHER CORPORATION</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>235851102</n1:cusip>
		<n1:value>463</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2059</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2059</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>NATIONAL MUN ETF</n1:titleOfClass>
		<n1:cusip>464288414</n1:cusip>
		<n1:value>913</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7870</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7870</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GENERAL ELECTRIC CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>369604103</n1:cusip>
		<n1:value>424</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>32271</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>32271</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>KIMBERLY-CLARK CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>494368103</n1:cusip>
		<n1:value>399</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2871</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2871</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMERICAN TOWER CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>03027X100</n1:cusip>
		<n1:value>412</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1726</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1726</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DISNEY WALT CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>254687106</n1:cusip>
		<n1:value>618</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3347</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3347</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>EMRG MKTEQ ETF</n1:titleOfClass>
		<n1:cusip>808524706</n1:cusip>
		<n1:value>212386</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6683024</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>6683024</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BECTON DICKINSON &amp; CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>075887109</n1:cusip>
		<n1:value>344</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1415</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1415</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SELECT SECTOR SPDR TR</n1:nameOfIssuer>
		<n1:titleOfClass>SBI MATERIALS</n1:titleOfClass>
		<n1:cusip>81369Y100</n1:cusip>
		<n1:value>635</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8064</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8064</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR S&amp;P 500 ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>TR UNIT</n1:titleOfClass>
		<n1:cusip>78462F103</n1:cusip>
		<n1:value>4586</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>11572</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>11572</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>SHRT NAT MUN ETF</n1:titleOfClass>
		<n1:cusip>464288158</n1:cusip>
		<n1:value>12281</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>113900</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>113900</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MICRON TECHNOLOGY INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>595112103</n1:cusip>
		<n1:value>206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2336</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2336</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</n1:nameOfIssuer>
		<n1:titleOfClass>TT WRLD ST ETF</n1:titleOfClass>
		<n1:cusip>922042742</n1:cusip>
		<n1:value>5167</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>53108</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>53108</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MASTERCARD INCORPORATED</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>57636Q104</n1:cusip>
		<n1:value>955</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2681</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2681</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GENUINE PARTS CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>372460105</n1:cusip>
		<n1:value>328</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2836</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2836</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD ADMIRAL FDS INC</n1:nameOfIssuer>
		<n1:titleOfClass>500 GRTH IDX F</n1:titleOfClass>
		<n1:cusip>921932505</n1:cusip>
		<n1:value>206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>875</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>875</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CVS HEALTH CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>126650100</n1:cusip>
		<n1:value>225</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2993</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2993</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMERICAN EXPRESS CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>025816109</n1:cusip>
		<n1:value>363</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2566</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2566</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>COSTCO WHSL CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>22160K105</n1:cusip>
		<n1:value>586</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1662</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1662</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AON PLC</n1:nameOfIssuer>
		<n1:titleOfClass>SHS CL A</n1:titleOfClass>
		<n1:cusip>G0403H108</n1:cusip>
		<n1:value>210</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>914</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>914</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>LARGE CAP ETF</n1:titleOfClass>
		<n1:cusip>922908637</n1:cusip>
		<n1:value>1570</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8474</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8474</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PEPSICO INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>713448108</n1:cusip>
		<n1:value>552</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3903</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3903</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE DEV MKT ETF</n1:titleOfClass>
		<n1:cusip>921943858</n1:cusip>
		<n1:value>459</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9344</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9344</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BK OF AMERICA CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>060505104</n1:cusip>
		<n1:value>336</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8685</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8685</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SELECT SECTOR SPDR TR</n1:nameOfIssuer>
		<n1:titleOfClass>ENERGY</n1:titleOfClass>
		<n1:cusip>81369Y506</n1:cusip>
		<n1:value>205</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4172</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4172</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE EUROPE ETF</n1:titleOfClass>
		<n1:cusip>922042874</n1:cusip>
		<n1:value>353902</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5617487</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5617487</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NEXTERA ENERGY INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>65339F101</n1:cusip>
		<n1:value>258</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3412</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3412</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>989207105</n1:cusip>
		<n1:value>382</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>788</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>788</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CATERPILLAR INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>149123101</n1:cusip>
		<n1:value>532</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2294</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2294</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>MSCI USA MIN VOL</n1:titleOfClass>
		<n1:cusip>46429B697</n1:cusip>
		<n1:value>413</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5969</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5969</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE MSCI PAC</n1:titleOfClass>
		<n1:cusip>46434V696</n1:cusip>
		<n1:value>11341</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>170368</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>170368</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>QUALCOMM INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>747525103</n1:cusip>
		<n1:value>1064</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8024</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8024</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ACCENTURE PLC IRELAND</n1:nameOfIssuer>
		<n1:titleOfClass>SHS CLASS A</n1:titleOfClass>
		<n1:cusip>G1151C101</n1:cusip>
		<n1:value>626</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2267</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2267</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>LOWES COS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>548661107</n1:cusip>
		<n1:value>329</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1732</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1732</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NOVO-NORDISK A S</n1:nameOfIssuer>
		<n1:titleOfClass>ADR</n1:titleOfClass>
		<n1:cusip>670100205</n1:cusip>
		<n1:value>394</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5851</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5851</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NOVARTIS AG</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADR</n1:titleOfClass>
		<n1:cusip>66987V109</n1:cusip>
		<n1:value>471</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5507</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5507</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>TARGET CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>87612E110</n1:cusip>
		<n1:value>868</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4380</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4380</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PROGRESSIVE CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>743315103</n1:cusip>
		<n1:value>1024</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10711</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10711</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANECK VECTORS ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>FALLEN ANGEL HG</n1:titleOfClass>
		<n1:cusip>92189F437</n1:cusip>
		<n1:value>114802</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3595430</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3595430</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMAZON COM INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>023135106</n1:cusip>
		<n1:value>3298</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1066</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1066</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>APPLE INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>037833100</n1:cusip>
		<n1:value>12136</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>99351</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>99351</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AT&amp;T INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>00206R102</n1:cusip>
		<n1:value>942</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>31131</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>31131</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PAYCHEX INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>704326107</n1:cusip>
		<n1:value>351</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3580</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3580</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>UNION PAC CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>907818108</n1:cusip>
		<n1:value>399</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1812</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1812</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MERCK &amp; CO. INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>58933Y105</n1:cusip>
		<n1:value>1325</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>17191</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>17191</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ALCON AG</n1:nameOfIssuer>
		<n1:titleOfClass>ORD SHS</n1:titleOfClass>
		<n1:cusip>H01301128</n1:cusip>
		<n1:value>231</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3293</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3293</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>TEXAS INSTRS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>882508104</n1:cusip>
		<n1:value>1432</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7578</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7578</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EDWARDS LIFESCIENCES CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>28176E112</n1:cusip>
		<n1:value>225</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2687</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2687</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PRICE T ROWE GROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>74144T108</n1:cusip>
		<n1:value>10846</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>63203</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>63203</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CUMMINS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>231021106</n1:cusip>
		<n1:value>452</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1743</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1743</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DELTA AIR LINES INC DEL</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>247361702</n1:cusip>
		<n1:value>224</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4639</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4639</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CINCINNATI FINL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>172062101</n1:cusip>
		<n1:value>236</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2288</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2288</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>US SML CAP ETF</n1:titleOfClass>
		<n1:cusip>808524607</n1:cusip>
		<n1:value>2302</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>23099</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>23099</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ORACLE CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>68389X105</n1:cusip>
		<n1:value>6535</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>93128</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>93128</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>ESG AW MSCI EAFE</n1:titleOfClass>
		<n1:cusip>46435G516</n1:cusip>
		<n1:value>2506</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>33021</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>33021</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>IMPERIAL OIL LTD</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>453038408</n1:cusip>
		<n1:value>226</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9395</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9395</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ARK ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>AUTNMUS TECHNLGY</n1:titleOfClass>
		<n1:cusip>00214Q203</n1:cusip>
		<n1:value>535</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6379</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>6379</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PROCTER AND GAMBLE CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>742718109</n1:cusip>
		<n1:value>1834</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>13544</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>13544</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ARCHER DANIELS MIDLAND CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>039483102</n1:cusip>
		<n1:value>10144</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>177969</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>177969</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>GROWTH ETF</n1:titleOfClass>
		<n1:cusip>922908736</n1:cusip>
		<n1:value>120065</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>467108</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>467108</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PHILIP MORRIS INTL INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>718172109</n1:cusip>
		<n1:value>334</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3768</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3768</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMERIPRISE FINL INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>03076C106</n1:cusip>
		<n1:value>235</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1013</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1013</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>INTEL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>458140100</n1:cusip>
		<n1:value>1250</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>19531</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>19531</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>HORMEL FOODS CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>440452100</n1:cusip>
		<n1:value>9569</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>200273</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>200273</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANECK VECTORS ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>HIGH YLD MUN ETF</n1:titleOfClass>
		<n1:cusip>92189H409</n1:cusip>
		<n1:value>3487</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>56102</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>56102</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CAMDEN PPTY TR</n1:nameOfIssuer>
		<n1:titleOfClass>SH BEN INT</n1:titleOfClass>
		<n1:cusip>133131102</n1:cusip>
		<n1:value>2083</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>18949</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>18949</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DUKE ENERGY CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>26441C204</n1:cusip>
		<n1:value>502</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5197</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5197</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DOMINOS PIZZA INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>25754A201</n1:cusip>
		<n1:value>214</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>581</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>581</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>TRACTOR SUPPLY CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>892356106</n1:cusip>
		<n1:value>240</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1357</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1357</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NIKE INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL B</n1:titleOfClass>
		<n1:cusip>654106103</n1:cusip>
		<n1:value>982</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7388</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7388</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>JPMORGAN USD EMG</n1:titleOfClass>
		<n1:cusip>464288281</n1:cusip>
		<n1:value>81643</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>749848</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>749848</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CGI INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL A SUB VTG</n1:titleOfClass>
		<n1:cusip>12532H104</n1:cusip>
		<n1:value>244</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2927</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2927</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WALMART INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>931142103</n1:cusip>
		<n1:value>1080</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7953</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7953</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADS</n1:titleOfClass>
		<n1:cusip>874039100</n1:cusip>
		<n1:value>693</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5856</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5856</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES INC</n1:nameOfIssuer>
		<n1:titleOfClass>ESG AWR MSCI EM</n1:titleOfClass>
		<n1:cusip>46434G863</n1:cusip>
		<n1:value>873</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>20165</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>20165</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>SCHWB FDT INT LG</n1:titleOfClass>
		<n1:cusip>808524755</n1:cusip>
		<n1:value>1283</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>39973</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>39973</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ATLAS CORP</n1:nameOfIssuer>
		<n1:titleOfClass>SHARES</n1:titleOfClass>
		<n1:cusip>Y0436Q109</n1:cusip>
		<n1:value>146</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10708</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10708</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>SP SMCP600VL ETF</n1:titleOfClass>
		<n1:cusip>464287879</n1:cusip>
		<n1:value>865</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8582</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8582</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BRISTOL-MYERS SQUIBB CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>110122108</n1:cusip>
		<n1:value>223</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3538</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3538</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMERICAN INTL GROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>026874784</n1:cusip>
		<n1:value>377</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8158</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8158</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>SCHWAB FDT US BM</n1:titleOfClass>
		<n1:cusip>808524789</n1:cusip>
		<n1:value>762</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>14858</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>14858</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DOW INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>260557103</n1:cusip>
		<n1:value>352</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5512</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5512</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>JPMORGAN CHASE &amp; CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>46625H100</n1:cusip>
		<n1:value>1150</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7557</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7557</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR SER TR</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 600 SMCP GRW</n1:titleOfClass>
		<n1:cusip>78464A201</n1:cusip>
		<n1:value>3350</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>39025</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>39025</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>COMCAST CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>20030N101</n1:cusip>
		<n1:value>781</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>14436</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>14436</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUS 2000 GRW ETF</n1:titleOfClass>
		<n1:cusip>464287648</n1:cusip>
		<n1:value>297</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>987</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>987</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR SER TR</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 600 SMCP VAL</n1:titleOfClass>
		<n1:cusip>78464A300</n1:cusip>
		<n1:value>7090</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>86472</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>86472</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE S&amp;P SCP ETF</n1:titleOfClass>
		<n1:cusip>464287804</n1:cusip>
		<n1:value>9784</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>90151</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>90151</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EQUINIX INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>29444U700</n1:cusip>
		<n1:value>329</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>485</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>485</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CISCO SYS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>17275R102</n1:cusip>
		<n1:value>1494</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>28889</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>28889</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>US BRD MKT ETF</n1:titleOfClass>
		<n1:cusip>808524102</n1:cusip>
		<n1:value>2091</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>21624</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>21624</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES INC</n1:nameOfIssuer>
		<n1:titleOfClass>CORE MSCI EMKT</n1:titleOfClass>
		<n1:cusip>46434G103</n1:cusip>
		<n1:value>457</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7108</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7108</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BROADCOM INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>11135F101</n1:cusip>
		<n1:value>540</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1165</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1165</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SYSCO CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>871829107</n1:cusip>
		<n1:value>365</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4635</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4635</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMBEV SA</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADR</n1:titleOfClass>
		<n1:cusip>02319V103</n1:cusip>
		<n1:value>35</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>12945</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>12945</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EATON CORP PLC</n1:nameOfIssuer>
		<n1:titleOfClass>SHS</n1:titleOfClass>
		<n1:cusip>G29183103</n1:cusip>
		<n1:value>331</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2396</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2396</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ENTERGY CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>29364G103</n1:cusip>
		<n1:value>378</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3803</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3803</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WESTROCK CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>96145D105</n1:cusip>
		<n1:value>390</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7492</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7492</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</n1:nameOfIssuer>
		<n1:titleOfClass>ALLWRLD EX US</n1:titleOfClass>
		<n1:cusip>922042775</n1:cusip>
		<n1:value>2294</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>37808</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>37808</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CHEVRON CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>166764100</n1:cusip>
		<n1:value>876</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8356</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8356</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD STAR FDS</n1:nameOfIssuer>
		<n1:titleOfClass>VG TL INTL STK F</n1:titleOfClass>
		<n1:cusip>921909768</n1:cusip>
		<n1:value>206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3279</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3279</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>BARCLAYS 7 10 YR</n1:titleOfClass>
		<n1:cusip>464287440</n1:cusip>
		<n1:value>70392</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>623323</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>623323</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</n1:nameOfIssuer>
		<n1:titleOfClass>CL B NEW</n1:titleOfClass>
		<n1:cusip>084670702</n1:cusip>
		<n1:value>2298</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8995</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8995</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CARNIVAL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>UNIT 99/99/9999</n1:titleOfClass>
		<n1:cusip>143658300</n1:cusip>
		<n1:value>206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7763</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7763</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ALIBABA GROUP HLDG LTD</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADS</n1:titleOfClass>
		<n1:cusip>01609W102</n1:cusip>
		<n1:value>608</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2682</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2682</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>FLTG RATE NT ETF</n1:titleOfClass>
		<n1:cusip>46429B655</n1:cusip>
		<n1:value>402</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7909</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7909</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>VALUE ETF</n1:titleOfClass>
		<n1:cusip>922908744</n1:cusip>
		<n1:value>126927</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>965522</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>965522</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ROYAL DUTCH SHELL PLC</n1:nameOfIssuer>
		<n1:titleOfClass>SPONS ADR A</n1:titleOfClass>
		<n1:cusip>780259206</n1:cusip>
		<n1:value>224</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5711</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5711</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VISA INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM CL A</n1:titleOfClass>
		<n1:cusip>92826C839</n1:cusip>
		<n1:value>1831</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8648</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8648</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>HDFC BANK LTD</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADS</n1:titleOfClass>
		<n1:cusip>40415F101</n1:cusip>
		<n1:value>374</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4810</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4810</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>US LCAP GR ETF</n1:titleOfClass>
		<n1:cusip>808524300</n1:cusip>
		<n1:value>341918</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2634597</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2634597</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SAP SE</n1:nameOfIssuer>
		<n1:titleOfClass>SPON ADR</n1:titleOfClass>
		<n1:cusip>803054204</n1:cusip>
		<n1:value>371</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3018</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3018</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PPL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>69351T106</n1:cusip>
		<n1:value>272</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9420</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9420</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WEYERHAEUSER CO MTN BE</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>962166104</n1:cusip>
		<n1:value>372</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10462</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10462</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>IBOXX INV CP ETF</n1:titleOfClass>
		<n1:cusip>464287242</n1:cusip>
		<n1:value>285</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2192</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2192</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>JD.COM INC</n1:nameOfIssuer>
		<n1:titleOfClass>SPON ADR CL A</n1:titleOfClass>
		<n1:cusip>47215P106</n1:cusip>
		<n1:value>322</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3818</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3818</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>D R HORTON INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>23331A109</n1:cusip>
		<n1:value>238</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2670</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2670</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SML CP GRW ETF</n1:titleOfClass>
		<n1:cusip>922908595</n1:cusip>
		<n1:value>136230</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>496011</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>496011</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>49338L103</n1:cusip>
		<n1:value>254</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1768</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1768</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>MID CAP ETF</n1:titleOfClass>
		<n1:cusip>922908629</n1:cusip>
		<n1:value>693</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3133</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3133</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MONDELEZ INTL INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>609207105</n1:cusip>
		<n1:value>441</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7538</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7538</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SVB FINANCIAL GROUP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>78486Q101</n1:cusip>
		<n1:value>266</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>539</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>539</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>3 7 YR TREAS BD</n1:titleOfClass>
		<n1:cusip>464288661</n1:cusip>
		<n1:value>138531</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1066527</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1066527</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUS 1000 VAL ETF</n1:titleOfClass>
		<n1:cusip>464287598</n1:cusip>
		<n1:value>33442</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>220668</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>220668</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>C H ROBINSON WORLDWIDE INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>12541W209</n1:cusip>
		<n1:value>415</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4345</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4345</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EXPONENT INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>30214U102</n1:cusip>
		<n1:value>203</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2084</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2084</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ZOETIS INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>98978V103</n1:cusip>
		<n1:value>373</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2366</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2366</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>LILLY ELI &amp; CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>532457108</n1:cusip>
		<n1:value>502</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2688</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2688</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SMALL CP ETF</n1:titleOfClass>
		<n1:cusip>922908751</n1:cusip>
		<n1:value>483</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2258</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2258</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>FACEBOOK INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>30303M102</n1:cusip>
		<n1:value>1469</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4988</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4988</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>TJX COS INC NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>872540109</n1:cusip>
		<n1:value>564</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8525</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8525</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DBX ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>XTRACK USD HIGH</n1:titleOfClass>
		<n1:cusip>233051432</n1:cusip>
		<n1:value>973</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>19462</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>19462</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>TE CONNECTIVITY LTD</n1:nameOfIssuer>
		<n1:titleOfClass>REG SHS</n1:titleOfClass>
		<n1:cusip>H84989104</n1:cusip>
		<n1:value>266</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2057</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2057</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE S&amp;P TTL STK</n1:titleOfClass>
		<n1:cusip>464287150</n1:cusip>
		<n1:value>852</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9305</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9305</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EQUINOR ASA</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADR</n1:titleOfClass>
		<n1:cusip>29446M102</n1:cusip>
		<n1:value>245</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>12597</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>12597</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AUTOMATIC DATA PROCESSING IN</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>053015103</n1:cusip>
		<n1:value>10636</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>56436</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>56436</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD SCOTTSDALE FDS</n1:nameOfIssuer>
		<n1:titleOfClass>MORTG-BACK SEC</n1:titleOfClass>
		<n1:cusip>92206C771</n1:cusip>
		<n1:value>232719</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4360483</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4360483</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ILLINOIS TOOL WKS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>452308109</n1:cusip>
		<n1:value>10421</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>47044</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>47044</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD BD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>TOTAL BND MRKT</n1:titleOfClass>
		<n1:cusip>921937835</n1:cusip>
		<n1:value>3127</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>36906</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>36906</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BIO RAD LABS INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>090572207</n1:cusip>
		<n1:value>224</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>393</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>393</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE US AGGBD ET</n1:titleOfClass>
		<n1:cusip>464287226</n1:cusip>
		<n1:value>1627</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>14296</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>14296</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SALESFORCE COM INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>79466L302</n1:cusip>
		<n1:value>586</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2767</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2767</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>TOTAL STK MKT</n1:titleOfClass>
		<n1:cusip>922908769</n1:cusip>
		<n1:value>3143</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>15210</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>15210</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SMITH A O CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>831865209</n1:cusip>
		<n1:value>11045</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>163360</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>163360</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>STANLEY BLACK &amp; DECKER INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>854502101</n1:cusip>
		<n1:value>206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1034</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1034</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>IBOXX HI YD ETF</n1:titleOfClass>
		<n1:cusip>464288513</n1:cusip>
		<n1:value>219</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2510</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2510</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD SCOTTSDALE FDS</n1:nameOfIssuer>
		<n1:titleOfClass>LONG TERM TREAS</n1:titleOfClass>
		<n1:cusip>92206C847</n1:cusip>
		<n1:value>4778</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>57711</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>57711</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CITIGROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>172967424</n1:cusip>
		<n1:value>503</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6910</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>6910</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</n1:nameOfIssuer>
		<n1:titleOfClass>CL A</n1:titleOfClass>
		<n1:cusip>084670108</n1:cusip>
		<n1:value>771</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PIMCO DYNAMIC CR INCOME FD</n1:nameOfIssuer>
		<n1:titleOfClass>COM SHS</n1:titleOfClass>
		<n1:cusip>72202D106</n1:cusip>
		<n1:value>211</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9470</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9470</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>ESG AWR MSCI USA</n1:titleOfClass>
		<n1:cusip>46435G425</n1:cusip>
		<n1:value>212</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2335</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2335</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>HOME DEPOT INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>437076102</n1:cusip>
		<n1:value>949</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3109</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3109</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CHUBB LIMITED</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>H1467J104</n1:cusip>
		<n1:value>9931</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>62868</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>62868</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>METLIFE INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>59156R108</n1:cusip>
		<n1:value>331</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5443</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5443</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE SMCAP ETF</n1:titleOfClass>
		<n1:cusip>922042718</n1:cusip>
		<n1:value>6729</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>52417</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>52417</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>FRANKLIN RESOURCES INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>354613101</n1:cusip>
		<n1:value>10394</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>351153</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>351153</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>LOCKHEED MARTIN CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>539830109</n1:cusip>
		<n1:value>792</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2143</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2143</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NETFLIX INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>64110L106</n1:cusip>
		<n1:value>566</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1085</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1085</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMGEN INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>031162100</n1:cusip>
		<n1:value>1109</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4457</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4457</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD SCOTTSDALE FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SHRT TRM CORP BD</n1:titleOfClass>
		<n1:cusip>92206C409</n1:cusip>
		<n1:value>66820</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>809941</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>809941</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SOUTHERN CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>842587107</n1:cusip>
		<n1:value>801</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>12879</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>12879</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>FIDELITY NATL INFORMATION SV</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>31620M106</n1:cusip>
		<n1:value>215</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1528</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1528</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>INVESCO QQQ TR</n1:nameOfIssuer>
		<n1:titleOfClass>UNIT SER 1</n1:titleOfClass>
		<n1:cusip>46090E107</n1:cusip>
		<n1:value>5627</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>17632</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>17632</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>UNITEDHEALTH GROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>91324P102</n1:cusip>
		<n1:value>2963</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7963</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7963</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>INTERNATIONAL BUSINESS MACHS</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>459200101</n1:cusip>
		<n1:value>585</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4388</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4388</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VICI PPTYS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>925652109</n1:cusip>
		<n1:value>252</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>8937</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>8937</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>3M CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>88579Y101</n1:cusip>
		<n1:value>10774</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>55915</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>55915</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>ESG AWARE MSCI</n1:titleOfClass>
		<n1:cusip>46435U663</n1:cusip>
		<n1:value>800</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>20752</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>20752</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 500 GRWT ETF</n1:titleOfClass>
		<n1:cusip>464287309</n1:cusip>
		<n1:value>1587</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>24368</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>24368</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>NVIDIA CORPORATION</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>67066G104</n1:cusip>
		<n1:value>1168</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2188</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2188</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VERIZON COMMUNICATIONS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>92343V104</n1:cusip>
		<n1:value>752</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>12930</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>12930</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CANADIAN NATL RY CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>136375102</n1:cusip>
		<n1:value>264</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2278</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2278</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P MC 400GR ETF</n1:titleOfClass>
		<n1:cusip>464287606</n1:cusip>
		<n1:value>255</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3258</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3258</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ASML HOLDING N V</n1:nameOfIssuer>
		<n1:titleOfClass>N Y REGISTRY SHS</n1:titleOfClass>
		<n1:cusip>N07059210</n1:cusip>
		<n1:value>328</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>531</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>531</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AMERICAN ELEC PWR CO INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>025537101</n1:cusip>
		<n1:value>573</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6760</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>6760</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SERVICENOW INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>81762P102</n1:cusip>
		<n1:value>305</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>610</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>610</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 500 ETF SHS</n1:titleOfClass>
		<n1:cusip>922908363</n1:cusip>
		<n1:value>536</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1471</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1471</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE PACIFIC ETF</n1:titleOfClass>
		<n1:cusip>922042866</n1:cusip>
		<n1:value>252785</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3095576</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3095576</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE MSCI EAFE</n1:titleOfClass>
		<n1:cusip>46432F842</n1:cusip>
		<n1:value>1862</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>25840</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>25840</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE S&amp;P MCP ETF</n1:titleOfClass>
		<n1:cusip>464287507</n1:cusip>
		<n1:value>8552</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>32856</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>32856</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VARIAN MED SYS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>92220P105</n1:cusip>
		<n1:value>295</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1669</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1669</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>MSCI EMG MKT ETF</n1:titleOfClass>
		<n1:cusip>464287234</n1:cusip>
		<n1:value>883</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>16563</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>16563</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MICROSOFT CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>594918104</n1:cusip>
		<n1:value>5301</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>22485</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>22485</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUSSELL 2000 ETF</n1:titleOfClass>
		<n1:cusip>464287655</n1:cusip>
		<n1:value>1707</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7728</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7728</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>LINDE PLC</n1:nameOfIssuer>
		<n1:titleOfClass>SHS</n1:titleOfClass>
		<n1:cusip>G5494J103</n1:cusip>
		<n1:value>669</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2387</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2387</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ADOBE SYSTEMS INCORPORATED</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>00724F101</n1:cusip>
		<n1:value>913</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1921</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1921</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>RIO TINTO PLC</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADR</n1:titleOfClass>
		<n1:cusip>767204100</n1:cusip>
		<n1:value>220</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2830</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2830</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUS 1000 ETF</n1:titleOfClass>
		<n1:cusip>464287622</n1:cusip>
		<n1:value>1123</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5017</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5017</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WEC ENERGY GROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>92939U106</n1:cusip>
		<n1:value>309</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3305</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3305</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUS MID CAP ETF</n1:titleOfClass>
		<n1:cusip>464287499</n1:cusip>
		<n1:value>1545</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>20898</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>20898</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>REGIONS FINANCIAL CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>7591EP100</n1:cusip>
		<n1:value>253</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>12228</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>12228</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>75513E105</n1:cusip>
		<n1:value>442</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5723</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5723</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>MSCI ACWI ETF</n1:titleOfClass>
		<n1:cusip>464288257</n1:cusip>
		<n1:value>1491</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>15666</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>15666</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>STARBUCKS CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>855244109</n1:cusip>
		<n1:value>457</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4178</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4178</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>10X GENOMICS INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL A COM</n1:titleOfClass>
		<n1:cusip>88025U109</n1:cusip>
		<n1:value>3773</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>20844</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>20844</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P 500 VAL ETF</n1:titleOfClass>
		<n1:cusip>464287408</n1:cusip>
		<n1:value>982</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>6950</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>6950</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUS 1000 GRW ETF</n1:titleOfClass>
		<n1:cusip>464287614</n1:cusip>
		<n1:value>43876</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>180531</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>180531</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD WHITEHALL FDS</n1:nameOfIssuer>
		<n1:titleOfClass>EMERG MKT BD ETF</n1:titleOfClass>
		<n1:cusip>921946885</n1:cusip>
		<n1:value>1032</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>13311</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>13311</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MONSTER BEVERAGE CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>61174X109</n1:cusip>
		<n1:value>265</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2907</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2907</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CONSOLIDATED EDISON INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>209115104</n1:cusip>
		<n1:value>9880</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>132080</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>132080</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANECK VECTORS ETF TR</n1:nameOfIssuer>
		<n1:titleOfClass>SHRT HGH YLD MUN</n1:titleOfClass>
		<n1:cusip>92189F387</n1:cusip>
		<n1:value>248</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9916</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9916</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MCDONALDS CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>580135101</n1:cusip>
		<n1:value>10498</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>46836</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>46836</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BOOKING HOLDINGS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>09857L108</n1:cusip>
		<n1:value>506</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>217</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>217</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DIMENSIONAL ETF TRUST</n1:nameOfIssuer>
		<n1:titleOfClass>INTL CORE EQT MK</n1:titleOfClass>
		<n1:cusip>25434V203</n1:cusip>
		<n1:value>546</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>19566</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>19566</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GENERAL DYNAMICS CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>369550108</n1:cusip>
		<n1:value>10518</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>57930</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>57930</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>S&amp;P MC 400VL ETF</n1:titleOfClass>
		<n1:cusip>464287705</n1:cusip>
		<n1:value>332</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3257</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3257</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SELECT SECTOR SPDR TR</n1:nameOfIssuer>
		<n1:titleOfClass>SBI HEALTHCARE</n1:titleOfClass>
		<n1:cusip>81369Y209</n1:cusip>
		<n1:value>652</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5586</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5586</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>FASTENAL CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>311900104</n1:cusip>
		<n1:value>384</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7638</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7638</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ALPHABET INC</n1:nameOfIssuer>
		<n1:titleOfClass>CAP STK CL A</n1:titleOfClass>
		<n1:cusip>02079K305</n1:cusip>
		<n1:value>1153</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>559</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>559</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>GOLDMAN SACHS GROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>38141G104</n1:cusip>
		<n1:value>277</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>848</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>848</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</n1:nameOfIssuer>
		<n1:titleOfClass>SHS</n1:titleOfClass>
		<n1:cusip>337345102</n1:cusip>
		<n1:value>268</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1860</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1860</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PHILLIPS 66</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>718546104</n1:cusip>
		<n1:value>481</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5895</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5895</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>APPLIED MATLS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>038222105</n1:cusip>
		<n1:value>271</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2025</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2025</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>RUS MD CP GR ETF</n1:titleOfClass>
		<n1:cusip>464287481</n1:cusip>
		<n1:value>210</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2060</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2060</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ALPHABET INC</n1:nameOfIssuer>
		<n1:titleOfClass>CAP STK CL C</n1:titleOfClass>
		<n1:cusip>02079K107</n1:cusip>
		<n1:value>1961</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>948</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>948</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>EMERSON ELEC CO</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>291011104</n1:cusip>
		<n1:value>380</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4208</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4208</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BANCO BRADESCO S A</n1:nameOfIssuer>
		<n1:titleOfClass>SP ADR PFD NEW</n1:titleOfClass>
		<n1:cusip>059460303</n1:cusip>
		<n1:value>118</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>25042</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>25042</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>ISHS 1-5YR INVS</n1:titleOfClass>
		<n1:cusip>464288646</n1:cusip>
		<n1:value>32417</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>592855</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>592855</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CLOROX CO DEL</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>189054109</n1:cusip>
		<n1:value>9216</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>47782</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>47782</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>HONEYWELL INTL INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>438516106</n1:cusip>
		<n1:value>1175</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5412</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5412</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD SCOTTSDALE FDS</n1:nameOfIssuer>
		<n1:titleOfClass>INTER TERM TREAS</n1:titleOfClass>
		<n1:cusip>92206C706</n1:cusip>
		<n1:value>11607</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>172648</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>172648</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AGILENT TECHNOLOGIES INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>00846U101</n1:cusip>
		<n1:value>289</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2271</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2271</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>MSCI EAFE ETF</n1:titleOfClass>
		<n1:cusip>464287465</n1:cusip>
		<n1:value>1970</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>25965</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>25965</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SPDR SER TR</n1:nameOfIssuer>
		<n1:titleOfClass>NUVEEN BLMBRG SR</n1:titleOfClass>
		<n1:cusip>78468R739</n1:cusip>
		<n1:value>1397</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>28195</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>28195</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INTL EQUITY INDEX F</n1:nameOfIssuer>
		<n1:titleOfClass>FTSE EMR MKT ETF</n1:titleOfClass>
		<n1:cusip>922042858</n1:cusip>
		<n1:value>11850</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>227673</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>227673</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DUPONT DE NEMOURS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>26614N102</n1:cusip>
		<n1:value>560</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7248</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7248</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CORTEVA INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>22052L104</n1:cusip>
		<n1:value>439</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9417</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9417</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ALBEMARLE CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>012653101</n1:cusip>
		<n1:value>224</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1530</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1530</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</n1:nameOfIssuer>
		<n1:titleOfClass>ULTRA SHRT INC</n1:titleOfClass>
		<n1:cusip>46641Q837</n1:cusip>
		<n1:value>394</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7760</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7760</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BAXTER INTL INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>071813109</n1:cusip>
		<n1:value>263</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3123</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3123</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>EAFE GRWTH ETF</n1:titleOfClass>
		<n1:cusip>464288885</n1:cusip>
		<n1:value>319</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3176</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3176</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CONOCOPHILLIPS</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>20825C104</n1:cusip>
		<n1:value>538</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10148</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10148</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MEDTRONIC PLC</n1:nameOfIssuer>
		<n1:titleOfClass>SHS</n1:titleOfClass>
		<n1:cusip>G5960L103</n1:cusip>
		<n1:value>1131</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>9576</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>9576</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>IDEANOMICS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>45166V106</n1:cusip>
		<n1:value>29</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10045</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10045</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BIOGEN INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>09062X103</n1:cusip>
		<n1:value>206</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>735</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>735</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>LEAR CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>521865204</n1:cusip>
		<n1:value>333</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1839</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1839</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>LAM RESEARCH CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>512807108</n1:cusip>
		<n1:value>879</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1478</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1478</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>UNITED PARCEL SERVICE INC</n1:nameOfIssuer>
		<n1:titleOfClass>CL B</n1:titleOfClass>
		<n1:cusip>911312106</n1:cusip>
		<n1:value>302</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1779</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1779</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE S&amp;P500 ETF</n1:titleOfClass>
		<n1:cusip>464287200</n1:cusip>
		<n1:value>42887</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>107804</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>107804</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AFLAC INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>001055102</n1:cusip>
		<n1:value>10297</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>201184</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>201184</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BLACKROCK INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>09247X101</n1:cusip>
		<n1:value>202</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>269</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>269</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD MUN BD FDS</n1:nameOfIssuer>
		<n1:titleOfClass>TAX EXEMPT BD</n1:titleOfClass>
		<n1:cusip>922907746</n1:cusip>
		<n1:value>14188</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>259659</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>259659</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MORGAN STANLEY</n1:nameOfIssuer>
		<n1:titleOfClass>COM NEW</n1:titleOfClass>
		<n1:cusip>617446448</n1:cusip>
		<n1:value>348</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4485</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4485</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>INTUIT</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>461202103</n1:cusip>
		<n1:value>476</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1243</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1243</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PAYPAL HLDGS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>70450Y103</n1:cusip>
		<n1:value>1188</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4894</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4894</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>MCAP GR IDXVIP</n1:titleOfClass>
		<n1:cusip>922908538</n1:cusip>
		<n1:value>458</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2136</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2136</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>US MID-CAP ETF</n1:titleOfClass>
		<n1:cusip>808524508</n1:cusip>
		<n1:value>3031</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>40726</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>40726</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>CROWN CASTLE INTL CORP NEW</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>22822V101</n1:cusip>
		<n1:value>293</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1705</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1705</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>US LCAP VA ETF</n1:titleOfClass>
		<n1:cusip>808524409</n1:cusip>
		<n1:value>322082</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4933859</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4933859</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ATMOS ENERGY CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>049560105</n1:cusip>
		<n1:value>9994</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>101108</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>101108</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>CORE MSCI EURO</n1:titleOfClass>
		<n1:cusip>46434V738</n1:cusip>
		<n1:value>22086</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>409222</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>409222</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>ISHARES TR</n1:nameOfIssuer>
		<n1:titleOfClass>EXPONENTIAL TECH</n1:titleOfClass>
		<n1:cusip>46434V381</n1:cusip>
		<n1:value>220</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3713</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3713</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SM CP VAL ETF</n1:titleOfClass>
		<n1:cusip>922908611</n1:cusip>
		<n1:value>210654</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>1271990</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>1271990</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>SCHWAB STRATEGIC TR</n1:nameOfIssuer>
		<n1:titleOfClass>INTL SCEQT ETF</n1:titleOfClass>
		<n1:cusip>808524888</n1:cusip>
		<n1:value>126927</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>3219864</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>3219864</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>JOHNSON &amp; JOHNSON</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>478160104</n1:cusip>
		<n1:value>1916</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>11660</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>11660</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>AIR PRODS &amp; CHEMS INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>009158106</n1:cusip>
		<n1:value>795</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2827</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2827</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</n1:nameOfIssuer>
		<n1:titleOfClass>SPONSORED ADR</n1:titleOfClass>
		<n1:cusip>05946K101</n1:cusip>
		<n1:value>69</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>13294</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>13294</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>THERMO FISHER SCIENTIFIC INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>883556102</n1:cusip>
		<n1:value>345</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>756</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>756</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>MANULIFE FINL CORP</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>56501R106</n1:cusip>
		<n1:value>270</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>12574</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>12574</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>WISDOMTREE TR</n1:nameOfIssuer>
		<n1:titleOfClass>INTL SMCAP DIV</n1:titleOfClass>
		<n1:cusip>97717W760</n1:cusip>
		<n1:value>339</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>4693</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>4693</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>DIMENSIONAL ETF TRUST</n1:nameOfIssuer>
		<n1:titleOfClass>US CORE EQT MKT</n1:titleOfClass>
		<n1:cusip>25434V104</n1:cusip>
		<n1:value>305</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>10809</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>10809</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD BD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>SHORT TRM BOND</n1:titleOfClass>
		<n1:cusip>921937827</n1:cusip>
		<n1:value>581</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>7074</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>7074</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>PNC FINL SVCS GROUP INC</n1:nameOfIssuer>
		<n1:titleOfClass>COM</n1:titleOfClass>
		<n1:cusip>693475105</n1:cusip>
		<n1:value>351</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>2000</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>2000</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
	<n1:infoTable>
		<n1:nameOfIssuer>VANGUARD BD INDEX FDS</n1:nameOfIssuer>
		<n1:titleOfClass>INTERMED TERM</n1:titleOfClass>
		<n1:cusip>921937819</n1:cusip>
		<n1:value>473</n1:value>
		<n1:shrsOrPrnAmt>
			<n1:sshPrnamt>5329</n1:sshPrnamt>
			<n1:sshPrnamtType>SH</n1:sshPrnamtType>
		</n1:shrsOrPrnAmt>
		<n1:investmentDiscretion>SOLE</n1:investmentDiscretion>
		<n1:votingAuthority>
			<n1:Sole>0</n1:Sole>
			<n1:Shared>0</n1:Shared>
			<n1:None>5329</n1:None>
		</n1:votingAuthority>
	</n1:infoTable>
</n1:informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>