<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<ns4:informationTable xmlns:ns4="http://www.sec.gov/edgar/document/thirteenf/informationtable">
	<ns4:infoTable>
		<ns4:nameOfIssuer>AMERICAN CENTY ETF TR</ns4:nameOfIssuer>
		<ns4:titleOfClass>AVANTIS EMERGING MARKETS EQUITY ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>025072604</ns4:cusip>
		<ns4:value>16785861</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>178535</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>178535</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>AMERICAN CENTY ETF TR</ns4:nameOfIssuer>
		<ns4:titleOfClass>AVANTIS INTERNATIONAL EQUITY ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>025072703</ns4:cusip>
		<ns4:value>24493069</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>271813</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>271813</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>ISHARES </ns4:nameOfIssuer>
		<ns4:titleOfClass>ISHARES CORE MSCI EAFE ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>46432F842</ns4:cusip>
		<ns4:value>21355937</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>220437</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>220437</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>ISHARES </ns4:nameOfIssuer>
		<ns4:titleOfClass>ISHARES CORE MSCI EMERGING MARKETS ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>46434G103</ns4:cusip>
		<ns4:value>16015790</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>197336</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>197336</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>ISHARES </ns4:nameOfIssuer>
		<ns4:titleOfClass>ISHARES CORE S&amp;P 500 ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>464287200</ns4:cusip>
		<ns4:value>61716788</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>80586</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>80586</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>ISHARES </ns4:nameOfIssuer>
		<ns4:titleOfClass>ISHARES FLOATING RATE BOND ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>46429B655</ns4:cusip>
		<ns4:value>23054027</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>451597</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>451597</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>ISHARES </ns4:nameOfIssuer>
		<ns4:titleOfClass>ISHARES PREFERRED &amp; INCOME SECURITIES ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>464288687</ns4:cusip>
		<ns4:value>4823516</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>163509</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>163509</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>SPDR SERIES TRUST</ns4:nameOfIssuer>
		<ns4:titleOfClass>STATE STREET SPDR PORTFOLIO S&amp;P 400 MID CAP ETF</ns4:titleOfClass>
		<ns4:cusip>78464A847</ns4:cusip>
		<ns4:value>23898716</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>379104</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>379104</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>SPDR SERIES TRUST</ns4:nameOfIssuer>
		<ns4:titleOfClass>STATE STREET SPDR PORTFOLIO S&amp;P 500 ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>78464A854</ns4:cusip>
		<ns4:value>62252779</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>693547</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>693547</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>SPDR SERIES TRUST</ns4:nameOfIssuer>
		<ns4:titleOfClass>STATE STREET SPDR PORTFOLIO S&amp;P 600 SMALL CAP ETF</ns4:titleOfClass>
		<ns4:cusip>78468R853</ns4:cusip>
		<ns4:value>9546040</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>180591</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>180591</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>VANGUARD</ns4:nameOfIssuer>
		<ns4:titleOfClass>VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETP</ns4:titleOfClass>
		<ns4:cusip>921946794</ns4:cusip>
		<ns4:value>8095355</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>80049</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>80049</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>VANGUARD</ns4:nameOfIssuer>
		<ns4:titleOfClass>VANGUARD MORNINGSTAR MID-CAP ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>922908629</ns4:cusip>
		<ns4:value>50800868</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>647805</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>647805</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>VANGUARD</ns4:nameOfIssuer>
		<ns4:titleOfClass>VANGUARD SHORT-TERM BOND ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>921937827</ns4:cusip>
		<ns4:value>75843884</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>992721</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>992721</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>VANGUARD</ns4:nameOfIssuer>
		<ns4:titleOfClass>VANGUARD SHORT-TERM CORPORATE BOND ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>92206C409</ns4:cusip>
		<ns4:value>22913586</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>296616</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>296616</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
	<ns4:infoTable>
		<ns4:nameOfIssuer>VICTORY PORTFOLIOS II</ns4:nameOfIssuer>
		<ns4:titleOfClass>VICTORYSHARES SHORT-TERM BOND ETF ETP USD</ns4:titleOfClass>
		<ns4:cusip>92647N535</ns4:cusip>
		<ns4:value>22825537</ns4:value>
		<ns4:shrsOrPrnAmt>
			<ns4:sshPrnamt>457609</ns4:sshPrnamt>
			<ns4:sshPrnamtType>SH</ns4:sshPrnamtType>
		</ns4:shrsOrPrnAmt>
		<ns4:investmentDiscretion>SOLE</ns4:investmentDiscretion>
		<ns4:votingAuthority>
			<ns4:Sole>457609</ns4:Sole>
			<ns4:Shared>0</ns4:Shared>
			<ns4:None>0</ns4:None>
		</ns4:votingAuthority>
	</ns4:infoTable>
</ns4:informationTable>
