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		<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>784</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9372</sshPrnamt>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9372</None>
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	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>007903107</cusip>
		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7705</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7705</None>
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		<nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>018802108</cusip>
		<value>359</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6653</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6653</None>
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	<infoTable>
		<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>3685</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2123</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2123</None>
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		<nameOfIssuer>AMEREN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023608102</cusip>
		<value>1486</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18567</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18567</None>
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	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3424</None>
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	<infoTable>
		<nameOfIssuer>AMGEN INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>031162100</cusip>
		<value>901</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4654</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4654</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ANNALY CAP MGMT INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>035710409</cusip>
		<value>201</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22895</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>22895</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>10546</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47087</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>47087</None>
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		<nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>038222105</cusip>
		<value>1467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>29403</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>29403</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>039483102</cusip>
		<value>1538</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37453</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37453</None>
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		<nameOfIssuer>BANK AMER CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>789</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27049</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27049</None>
		</votingAuthority>
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		<nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>075887109</cusip>
		<value>282</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1116</None>
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		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>097023105</cusip>
		<value>1047</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2751</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2751</None>
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		<nameOfIssuer>BP PLC</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>055622104</cusip>
		<value>497</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13075</None>
		</votingAuthority>
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		<nameOfIssuer>CATERPILLAR INC DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>1417</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11222</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11222</None>
		</votingAuthority>
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		<nameOfIssuer>CELGENE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>151020104</cusip>
		<value>234</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2360</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2360</None>
		</votingAuthority>
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		<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>1053</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8877</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8877</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CINCINNATI FINL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>172062101</cusip>
		<value>358</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3072</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3072</None>
		</votingAuthority>
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		<nameOfIssuer>COCA COLA CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>1021</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18751</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18751</None>
		</votingAuthority>
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		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
		<value>376</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5424</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5424</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>631</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9998</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9998</None>
		</votingAuthority>
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		<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>244199105</cusip>
		<value>351</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2083</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2083</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EATON VANCE FLTING RATE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>278279104</cusip>
		<value>530</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40102</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40102</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>EDISON INTL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>281020107</cusip>
		<value>221</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2932</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2932</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>28176E108</cusip>
		<value>552</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2510</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2510</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1817</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1817</None>
		</votingAuthority>
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		<nameOfIssuer>ERICSSON</nameOfIssuer>
		<titleOfClass>ADR B SEK 10</titleOfClass>
		<cusip>294821608</cusip>
		<value>83</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10376</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10376</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIDELITY COVINGTON TR</nameOfIssuer>
		<titleOfClass>MSCI FINLS IDX</titleOfClass>
		<cusip>316092501</cusip>
		<value>308</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7572</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7572</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TR MORNINGSTAR DIV LEA</nameOfIssuer>
		<titleOfClass>SHS</titleOfClass>
		<cusip>336917109</cusip>
		<value>1039</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33487</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>33487</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
		<titleOfClass>NY ARCA BIOTECH</titleOfClass>
		<cusip>33733E203</cusip>
		<value>377</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3048</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3048</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FISERV INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>337738108</cusip>
		<value>456</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4400</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FLAHERTY &amp; CRUMRINE TOTAL RE</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>338479108</cusip>
		<value>295</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>345370860</cusip>
		<value>179</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19545</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19545</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FRANKLIN UNVL TR</nameOfIssuer>
		<titleOfClass>SH BEN INT</titleOfClass>
		<cusip>355145103</cusip>
		<value>3900</value>
		<shrsOrPrnAmt>
			<sshPrnamt>517183</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>517183</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>369604103</cusip>
		<value>444</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49673</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>49673</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLADSTONE CAPITAL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>376535100</cusip>
		<value>297</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30461</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30461</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>437076102</cusip>
		<value>768</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3310</None>
		</votingAuthority>
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		<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1429</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1429</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>HUMANA INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>444859102</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1040</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1040</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>446150104</cusip>
		<value>203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14193</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14193</None>
		</votingAuthority>
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		<nameOfIssuer>IAMGOLD CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>450913108</cusip>
		<value>49</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14300</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>452308109</cusip>
		<value>417</value>
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			<sshPrnamt>2664</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2664</None>
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		<nameOfIssuer>INTEL CORP</nameOfIssuer>
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		<cusip>458140100</cusip>
		<value>1767</value>
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			<sshPrnamt>34288</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>34288</None>
		</votingAuthority>
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		<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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		<cusip>459200101</cusip>
		<value>766</value>
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			<sshPrnamt>5266</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5266</None>
		</votingAuthority>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464287432</cusip>
		<value>1340</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9365</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464288760</cusip>
		<value>2320</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10325</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5488</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5488</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>2568</value>
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			<sshPrnamt>8604</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8604</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>13622</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>758</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>7438</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>863</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>5848</None>
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		<nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
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		<cusip>464285105</cusip>
		<value>282</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>20028</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>826</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5109</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5109</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>4629</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>3532</None>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>3748</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>3902</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>528</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>2137</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>3239</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>4411</None>
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	<infoTable>
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		<value>688</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>3822</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>25451</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>3062</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>57049</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<value>855</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>7355</None>
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	<infoTable>
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		<value>646</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>3965</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464288448</cusip>
		<value>280</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>9107</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464287614</cusip>
		<value>223</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1398</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>1398</None>
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	<infoTable>
		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464287721</cusip>
		<value>298</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>1461</None>
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		<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<cusip>464288836</cusip>
		<value>537</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3843</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3843</None>
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		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>1602</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12379</None>
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	<infoTable>
		<nameOfIssuer>KROGER CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>501044101</cusip>
		<value>2168</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>84107</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>502431109</cusip>
		<value>218</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1046</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>539830109</cusip>
		<value>983</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2519</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2519</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>LOWES COS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>548661107</cusip>
		<value>734</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6674</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MFS MUN INCOME TR</nameOfIssuer>
		<titleOfClass>SH BEN INT</titleOfClass>
		<cusip>552738106</cusip>
		<value>84</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12000</None>
		</votingAuthority>
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		<nameOfIssuer>MANTECH INTL CORP</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>564563104</cusip>
		<value>224</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3133</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3133</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>580135101</cusip>
		<value>1181</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5501</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5501</None>
		</votingAuthority>
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		<nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>595112103</cusip>
		<value>608</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14181</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14181</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>2755</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19814</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19814</None>
		</votingAuthority>
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		<nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>670657105</cusip>
		<value>1458</value>
		<shrsOrPrnAmt>
			<sshPrnamt>101889</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>101889</None>
		</votingAuthority>
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		<nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>670928100</cusip>
		<value>2242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>213360</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>213360</None>
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	<infoTable>
		<nameOfIssuer>NUVEEN AMT-FREE MUN VALUE FD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>670695105</cusip>
		<value>932</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56292</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>56292</None>
		</votingAuthority>
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		<nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>674599105</cusip>
		<value>1835</value>
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			<sshPrnamt>41253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41253</None>
		</votingAuthority>
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		<nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>682189105</cusip>
		<value>536</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27913</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27913</None>
		</votingAuthority>
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		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>704326107</cusip>
		<value>254</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3070</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3070</None>
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		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>762</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5555</None>
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		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>561</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15612</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15612</None>
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		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>479</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6310</None>
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		<nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>1738</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13974</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13974</None>
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		<nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>744320102</cusip>
		<value>825</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9172</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9172</None>
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		<nameOfIssuer>PURECYCLE CORP</nameOfIssuer>
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		<cusip>746228303</cusip>
		<value>290</value>
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			<sshPrnamt>28200</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>28200</None>
		</votingAuthority>
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		<nameOfIssuer>PUTNAM MUN OPPORTUNITIES TR</nameOfIssuer>
		<titleOfClass>SH BEN INT</titleOfClass>
		<cusip>746922103</cusip>
		<value>220</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>16800</None>
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		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>747525103</cusip>
		<value>931</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12203</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12203</None>
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		<nameOfIssuer>RAYTHEON CO</nameOfIssuer>
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		<cusip>755111507</cusip>
		<value>482</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2455</None>
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		<nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>756109104</cusip>
		<value>423</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5519</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5519</None>
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		<nameOfIssuer>REEDS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>758338107</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10000</None>
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		<nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
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		<cusip>780259206</cusip>
		<value>239</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4060</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>4060</None>
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		<nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
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		<cusip>780287108</cusip>
		<value>215</value>
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			<sshPrnamt>1741</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1741</None>
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		<nameOfIssuer>SABINE ROYALTY TR</nameOfIssuer>
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		<cusip>785688102</cusip>
		<value>384</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>8884</None>
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		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>SHT TM US TRES</titleOfClass>
		<cusip>808524862</cusip>
		<value>610</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>12065</None>
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		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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		<cusip>808524839</cusip>
		<value>1065</value>
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			<sshPrnamt>19776</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
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			<None>19776</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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		<value>4246</value>
		<shrsOrPrnAmt>
			<sshPrnamt>77513</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>77513</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US MID-CAP ETF</titleOfClass>
		<cusip>808524508</cusip>
		<value>969</value>
		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>17141</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US REIT ETF</titleOfClass>
		<cusip>808524847</cusip>
		<value>778</value>
		<shrsOrPrnAmt>
			<sshPrnamt>16503</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>16503</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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		<cusip>808524870</cusip>
		<value>276</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4863</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4863</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
		<cusip>808524706</cusip>
		<value>962</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38280</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>38280</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>INTL EQTY ETF</titleOfClass>
		<cusip>808524805</cusip>
		<value>1507</value>
		<shrsOrPrnAmt>
			<sshPrnamt>47296</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>47296</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>INTL SCEQT ETF</titleOfClass>
		<cusip>808524888</cusip>
		<value>266</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8364</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8364</None>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US BRD MKT ETF</titleOfClass>
		<cusip>808524102</cusip>
		<value>1111</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15648</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15648</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US LRG CAP ETF</titleOfClass>
		<cusip>808524201</cusip>
		<value>914</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12881</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12881</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US LCAP GR ETF</titleOfClass>
		<cusip>808524300</cusip>
		<value>1939</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23084</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23084</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US LCAP VA ETF</titleOfClass>
		<cusip>808524409</cusip>
		<value>2194</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38674</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>38674</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
		<titleOfClass>US SML CAP ETF</titleOfClass>
		<cusip>808524607</cusip>
		<value>2107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30218</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>30218</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SIMMONS 1ST NATL CORP</nameOfIssuer>
		<titleOfClass>CL A $1 PAR</titleOfClass>
		<cusip>828730200</cusip>
		<value>996</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40000</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>842587107</cusip>
		<value>227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3671</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3671</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>844741108</cusip>
		<value>306</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5662</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5662</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SQUARE INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>852234103</cusip>
		<value>283</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4561</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4561</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>855244109</cusip>
		<value>1393</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15754</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15754</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STERLING CONSTRUCTION CO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>859241101</cusip>
		<value>162</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12335</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12335</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
		<titleOfClass>NY REGISTRY</titleOfClass>
		<cusip>861012102</cusip>
		<value>194</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10006</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10006</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>SYSCO CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>871829107</cusip>
		<value>504</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6344</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6344</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEMPLETON EMERG MKTS INCOME</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>880192109</cusip>
		<value>244</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26819</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>26819</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEMPLETON GLOBAL INCOME FD</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>880198106</cusip>
		<value>242</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39420</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>39420</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>882508104</cusip>
		<value>445</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3445</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3445</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>883556102</cusip>
		<value>1391</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4777</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4777</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>89417E109</cusip>
		<value>528</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3552</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3552</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UMH PPTYS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>903002103</cusip>
		<value>1328</value>
		<shrsOrPrnAmt>
			<sshPrnamt>94324</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>94324</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>904311107</cusip>
		<value>211</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10577</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10577</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>907818108</cusip>
		<value>227</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1399</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
		<titleOfClass>CL B</titleOfClass>
		<cusip>911312106</cusip>
		<value>349</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2911</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2911</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>913017109</cusip>
		<value>680</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4981</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4981</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
		<titleOfClass>EXTENDED DUR</titleOfClass>
		<cusip>921910709</cusip>
		<value>828</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5862</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5862</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD GROUP</nameOfIssuer>
		<titleOfClass>DIV APP ETF</titleOfClass>
		<cusip>921908844</cusip>
		<value>3869</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32359</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32359</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
		<titleOfClass>FTSE EUROPE ETF</titleOfClass>
		<cusip>922042874</cusip>
		<value>714</value>
		<shrsOrPrnAmt>
			<sshPrnamt>13320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>13320</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>EXTEND MKT ETF</titleOfClass>
		<cusip>922908652</cusip>
		<value>281</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2419</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2419</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
		<titleOfClass>FTSE DEV MKT ETF</titleOfClass>
		<cusip>921943858</cusip>
		<value>875</value>
		<shrsOrPrnAmt>
			<sshPrnamt>21305</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>21305</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
		<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
		<cusip>922042858</cusip>
		<value>430</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10683</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10683</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>GROWTH ETF</titleOfClass>
		<cusip>922908736</cusip>
		<value>3336</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20063</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20063</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
		<titleOfClass>INTERMED TERM</titleOfClass>
		<cusip>921937819</cusip>
		<value>342</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3890</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3890</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>MID CAP ETF</titleOfClass>
		<cusip>922908629</cusip>
		<value>890</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5310</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>REAL ESTATE ETF</titleOfClass>
		<cusip>922908553</cusip>
		<value>959</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10284</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10284</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
		<titleOfClass>SHORT TRM BOND</titleOfClass>
		<cusip>921937827</cusip>
		<value>1504</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18615</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18615</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>SMALL CP ETF</titleOfClass>
		<cusip>922908751</cusip>
		<value>1121</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7285</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7285</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
		<titleOfClass>TOTAL BND MRKT</titleOfClass>
		<cusip>921937835</cusip>
		<value>1346</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15948</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15948</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>TOTAL STK MKT</titleOfClass>
		<cusip>922908769</cusip>
		<value>2330</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15430</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15430</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
		<titleOfClass>VALUE ETF</titleOfClass>
		<cusip>922908744</cusip>
		<value>1150</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10301</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10301</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
		<titleOfClass>MEGA GRWTH IND</titleOfClass>
		<cusip>921910816</cusip>
		<value>261</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1966</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1966</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WALMART INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>931142103</cusip>
		<value>1321</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11129</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11129</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
		<titleOfClass>COM DISNEY</titleOfClass>
		<cusip>254687106</cusip>
		<value>1405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10784</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10784</None>
		</votingAuthority>
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		<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>949746101</cusip>
		<value>553</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10961</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10961</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>WESTERN DIGITAL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>958102105</cusip>
		<value>382</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6404</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6404</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>962879102</cusip>
		<value>452</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17221</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>988498101</cusip>
		<value>264</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2331</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2331</None>
		</votingAuthority>
	</infoTable>
</informationTable>
