<SEC-DOCUMENT>0001846789-21-000002.txt : 20210514 <SEC-HEADER>0001846789-21-000002.hdr.sgml : 20210514 <ACCEPTANCE-DATETIME>20210514121037 ACCESSION NUMBER: 0001846789-21-000002 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: Weitzel Financial Services, Inc. CENTRAL INDEX KEY: 0001846789 IRS NUMBER: 420949102 STATE OF INCORPORATION: IA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-21061 FILM NUMBER: 21923033 BUSINESS ADDRESS: STREET 1: 2200 JOHN F. KENNEDY RD. STE 103 CITY: DUBUQUE STATE: IA ZIP: 52002 BUSINESS PHONE: 563-583-6020 MAIL ADDRESS: STREET 1: 2200 JOHN F. KENNEDY RD. STE 103 CITY: DUBUQUE STATE: IA ZIP: 52002 </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>true</returnCopyFlag> <overrideInternetFlag>true</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001846789</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>03-31-2021</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>03-31-2021</reportCalendarOrQuarter> <filingManager> <name>Weitzel Financial Services, Inc.</name> <address> <com:street1>2200 JOHN F. KENNEDY RD. STE 103</com:street1> <com:city>DUBUQUE</com:city> <com:stateOrCountry>IA</com:stateOrCountry> <com:zipCode>52002</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-21061</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Jacqueline M Stoffel</name> <title>Operations Manager</title> <phone>563-583-6020</phone> <signature>Jacqueline M Stoffel</signature> <city>Dubuque</city> <stateOrCountry>IA</stateOrCountry> <signatureDate>05-14-2021</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>0</otherIncludedManagersCount> <tableEntryTotal>26</tableEntryTotal> <tableValueTotal>141878</tableValueTotal> <isConfidentialOmitted>false</isConfidentialOmitted> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>weitzelfinancialq2.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8" standalone="yes"?> <ns1:informationTable xmlns:ns1="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <ns1:infoTable> <ns1:nameOfIssuer>DEERE & CO COM</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>244199105</ns1:cusip> <ns1:value>2046</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5478</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5478</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TRUST TIPS BD ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TIPS BD ETF</ns1:titleOfClass> <ns1:cusip>464287176</ns1:cusip> <ns1:value>225</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1772</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1772</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TRUST JPMORGAN USD EMG ETF</ns1:nameOfIssuer> <ns1:titleOfClass>JPMORGAN USD EMG</ns1:titleOfClass> <ns1:cusip>464288281</ns1:cusip> <ns1:value>7311</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>66420</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>66420</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TRUST NATIONAL MUN ETF</ns1:nameOfIssuer> <ns1:titleOfClass>NATIONAL MUN ETF</ns1:titleOfClass> <ns1:cusip>464288414</ns1:cusip> <ns1:value>5217</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>44824</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>44824</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TRUST MODERT ALLOC ETF</ns1:nameOfIssuer> <ns1:titleOfClass>MODERT ALLOC ETF</ns1:titleOfClass> <ns1:cusip>464289875</ns1:cusip> <ns1:value>1804</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>41128</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>41128</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SCHWAB STRATEGIC TR SHT TM US TRES ETF</ns1:nameOfIssuer> <ns1:titleOfClass>SHT TM US TRES</ns1:titleOfClass> <ns1:cusip>808524862</ns1:cusip> <ns1:value>2498</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>48722</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>48722</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD TOTAL BND MRKT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL BND MRKT</ns1:titleOfClass> <ns1:cusip>921937835</ns1:cusip> <ns1:value>670</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7916</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>7916</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD FTSE DEV MKT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>FTSE DEV MKT ETF</ns1:titleOfClass> <ns1:cusip>921943858</ns1:cusip> <ns1:value>22208</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>441079</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>441079</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD HIGH DIV YLD ETF</ns1:nameOfIssuer> <ns1:titleOfClass>HIGH DIV YLD</ns1:titleOfClass> <ns1:cusip>921946406</ns1:cusip> <ns1:value>269</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2573</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>2573</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD MID CAP ETF</ns1:nameOfIssuer> <ns1:titleOfClass>MID CAP ETF</ns1:titleOfClass> <ns1:cusip>922908629</ns1:cusip> <ns1:value>4848</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>21720</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>21720</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD GROWTH ETF</ns1:nameOfIssuer> <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass> <ns1:cusip>922908736</ns1:cusip> <ns1:value>272</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1058</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>1058</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD VALUE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>VALUE ETF</ns1:titleOfClass> <ns1:cusip>922908744</ns1:cusip> <ns1:value>1280</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9367</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>9367</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD SMALL CP ETF</ns1:nameOfIssuer> <ns1:titleOfClass>SMALL CP ETF</ns1:titleOfClass> <ns1:cusip>922908751</ns1:cusip> <ns1:value>1129</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5332</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5332</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD TOTAL STK MKT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL STK MKT</ns1:titleOfClass> <ns1:cusip>922908769</ns1:cusip> <ns1:value>2283</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>10894</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>10894</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO QQQ TRUST UNIT SER 1 ETF</ns1:nameOfIssuer> <ns1:titleOfClass>UNIT SER 1</ns1:titleOfClass> <ns1:cusip>46090E103</ns1:cusip> <ns1:value>1390</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4388</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>4388</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TRUST EXCHANGE TRADED FD MANAGD MUN ETF</ns1:nameOfIssuer> <ns1:titleOfClass>MANAGD MUN ETF</ns1:titleOfClass> <ns1:cusip>33739N108</ns1:cusip> <ns1:value>1396</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>24522</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>24522</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHANGE TRADED FD IV FST LOW OPPT EFT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>FST LOW OPPT EFT</ns1:titleOfClass> <ns1:cusip>33739Q200</ns1:cusip> <ns1:value>10958</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>214485</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>214485</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FLEXSTEEL INDUSTRIES INC COM</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>339382103</ns1:cusip> <ns1:value>226</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5226</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5226</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TRUST FLTG RATE NT ETF</ns1:nameOfIssuer> <ns1:titleOfClass>FLTG RATE NT ETF</ns1:titleOfClass> <ns1:cusip>46429B655</ns1:cusip> <ns1:value>301</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5943</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>5943</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR INDEX SHARES FUNDS PORTFOLIO EMG MK ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO EMG MK</ns1:titleOfClass> <ns1:cusip>78463X509</ns1:cusip> <ns1:value>2913</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>67843</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>67843</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR INDEX SHARES FUNDS PORTFOLIO DEVLPD ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO DEVLPD</ns1:titleOfClass> <ns1:cusip>78463X889</ns1:cusip> <ns1:value>2839</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>78555</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>78555</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SERIES TRUST PRTFLO S&P500 VL ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PRTFLO S&P500 VL</ns1:titleOfClass> <ns1:cusip>78464A508</ns1:cusip> <ns1:value>13181</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>336345</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>336345</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SERIES TRUST PORTFOLIO AGRGTE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO AGRGTE</ns1:titleOfClass> <ns1:cusip>78464A649</ns1:cusip> <ns1:value>14615</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>493278</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>493278</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SERIES TRUST PORTFOLI S&P 1500 COMP STK ETF</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLI S&P1500</ns1:titleOfClass> <ns1:cusip>78464A805</ns1:cusip> <ns1:value>34114</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>678759</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>678759</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>US BANCORP COM</ns1:nameOfIssuer> <ns1:titleOfClass>COM NEW</ns1:titleOfClass> <ns1:cusip>902973304</ns1:cusip> <ns1:value>224</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3771</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>3771</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INTL BD IDX ETF</ns1:nameOfIssuer> <ns1:titleOfClass>INTL BD IDX ETF</ns1:titleOfClass> <ns1:cusip>92203J407</ns1:cusip> <ns1:value>7648</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>135081</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>135081</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD VANGUARD VALUE ETF</ns1:nameOfIssuer> <ns1:titleOfClass>VALUE ETF</ns1:titleOfClass> <ns1:cusip>922908744</ns1:cusip> <ns1:value>1193</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9585</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>9585</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>0</ns1:None> </ns1:votingAuthority> </ns1:infoTable> </ns1:informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>