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		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>CAP STK CL A</titleOfClass>
		<cusip>02079K305</cusip>
		<value>315</value>
		<shrsOrPrnAmt>
			<sshPrnamt>221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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			<None>221</None>
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	<infoTable>
		<nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>34964C106</cusip>
		<value>372</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5797</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>5797</None>
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	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>88</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12814</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>12814</None>
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	<infoTable>
		<nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
		<titleOfClass>ACTIVEBETA US LG</titleOfClass>
		<cusip>381430503</cusip>
		<value>28535</value>
		<shrsOrPrnAmt>
			<sshPrnamt>455877</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>455877</None>
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	<infoTable>
		<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>210</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1454</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>1454</None>
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	<infoTable>
		<nameOfIssuer>INVESCO EXCHANGE-TRADED FD T</nameOfIssuer>
		<titleOfClass>FTSE RAFI SML</titleOfClass>
		<cusip>46138E735</cusip>
		<value>2998</value>
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			<sshPrnamt>109373</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>109373</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE INTL AGGR</titleOfClass>
		<cusip>46435G672</cusip>
		<value>218</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3914</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>3914</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE MSCI EAFE</titleOfClass>
		<cusip>46432F842</cusip>
		<value>424</value>
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			<None>7451</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
		<cusip>464287507</cusip>
		<value>490</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2772</sshPrnamt>
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			<None>2772</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
		<cusip>464287804</cusip>
		<value>210</value>
		<shrsOrPrnAmt>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE S&amp;P US GWT</titleOfClass>
		<cusip>464287671</cusip>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
		<cusip>464287200</cusip>
		<value>37280</value>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>CORE US AGGBD ET</titleOfClass>
		<cusip>464287226</cusip>
		<value>330</value>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>EAFE GRWTH ETF</titleOfClass>
		<cusip>464288885</cusip>
		<value>435</value>
		<shrsOrPrnAmt>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>EAFE SML CP ETF</titleOfClass>
		<cusip>464288273</cusip>
		<value>1706</value>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>EAFE VALUE ETF</titleOfClass>
		<cusip>464288877</cusip>
		<value>256</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>RUS 2000 VAL ETF</titleOfClass>
		<cusip>464287630</cusip>
		<value>4171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>42805</sshPrnamt>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
		<cusip>464287309</cusip>
		<value>10777</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
		<titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
		<cusip>464287408</cusip>
		<value>11027</value>
		<shrsOrPrnAmt>
			<sshPrnamt>101917</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>233</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>7046</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>34625</None>
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		<nameOfIssuer>NICE LTD</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>653656108</cusip>
		<value>204</value>
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			<sshPrnamt>1077</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>1077</None>
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		<nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
		<titleOfClass>ACTIVE BD ETF</titleOfClass>
		<cusip>72201R775</cusip>
		<value>3800</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34059</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>34059</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
		<cusip>808524706</cusip>
		<value>912</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>SCHWAB FDT US LG</titleOfClass>
		<cusip>808524771</cusip>
		<value>3837</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US LCAP GR ETF</titleOfClass>
		<cusip>808524300</cusip>
		<value>290</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>2851</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US LRG CAP ETF</titleOfClass>
		<cusip>808524201</cusip>
		<value>3865</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>52163</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US REIT ETF</titleOfClass>
		<cusip>808524847</cusip>
		<value>817</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23249</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
		<titleOfClass>TR UNIT</titleOfClass>
		<cusip>78462F103</cusip>
		<value>1310</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>4245</None>
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	<infoTable>
		<nameOfIssuer>STATE STR CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>857477103</cusip>
		<value>827</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>13015</None>
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		<nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87918A105</cusip>
		<value>213</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1114</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
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			<None>1114</None>
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		<nameOfIssuer>TEMPLETON GLOBAL INCOME FD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>880198106</cusip>
		<value>55</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10210</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>10210</None>
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		<nameOfIssuer>TEREX CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>880779103</cusip>
		<value>709</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37759</None>
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		<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>91324P102</cusip>
		<value>447</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>1516</None>
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		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>GROWTH ETF</titleOfClass>
		<cusip>922908736</cusip>
		<value>2728</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13504</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>13504</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>MID CAP ETF</titleOfClass>
		<cusip>922908629</cusip>
		<value>3650</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22255</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>22255</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>SM CP VAL ETF</titleOfClass>
		<cusip>922908611</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2602</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2602</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>SMALL CP ETF</titleOfClass>
		<cusip>922908751</cusip>
		<value>807</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5534</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5534</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>VALUE ETF</titleOfClass>
		<cusip>922908744</cusip>
		<value>11603</value>
		<shrsOrPrnAmt>
			<sshPrnamt>116485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>116485</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
		<titleOfClass>FTSE SMCAP ETF</titleOfClass>
		<cusip>922042718</cusip>
		<value>380</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3935</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3935</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALMART INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>1225</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10225</None>
		</votingAuthority>
	</infoTable>
</informationTable>
