﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-04-07T19:24:47-04:00</ReturnTs>
    <TaxPeriodEndDt>2024-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>710698607</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>SHOPTAW LABAHN &amp; COMPANY PA</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>915 W MAIN STREET SUITE B</AddressLine1Txt>
        <CityNm>RUSSELLVILLE</CityNm>
        <StateAbbreviationCd>AR</StateAbbreviationCd>
        <ZIPCd>72801</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>716182849</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>JOHN &amp; LEE ELLA MCDONALD</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>SCHOLARSHIP FUND TRUST</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>JOHN</BusinessNameControlTxt>
      <PhoneNum>5016271513</PhoneNum>
      <USAddress>
        <AddressLine1Txt>PO BOX 55108 SIMMONS BANK</AddressLine1Txt>
        <CityNm>LITTLE ROCK</CityNm>
        <StateAbbreviationCd>AR</StateAbbreviationCd>
        <ZIPCd>72215</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>SIMMONS BANK</PersonNm>
      <PersonTitleTxt>TRUSTEE</PersonTitleTxt>
      <PhoneNum>5016271513</PhoneNum>
      <SignatureDt>2025-03-18</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>LORI A MELTON</PreparerPersonNm>
      <PTIN>P00019874</PTIN>
      <PhoneNum>4799673600</PhoneNum>
      <PreparationDt>2025-03-18</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="6">
    <IRS990PF documentId="RetDoc6">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>187367</FMVAssetsEOYAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <DividendsRevAndExpnssAmt>5729</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>5729</DividendsNetInvstIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt referenceDocumentId="RetDoc2">1833</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>16711</GrossSalesPriceAmt>
        <CapGainNetIncmNetInvstIncmAmt>66</CapGainNetIncmNetInvstIncmAmt>
        <TotalRevAndExpnssAmt>7562</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>5795</TotalNetInvstIncmAmt>
        <CompOfcrDirTrstRevAndExpnssAmt>3042</CompOfcrDirTrstRevAndExpnssAmt>
        <CompOfcrDirTrstNetInvstIncmAmt>1097</CompOfcrDirTrstNetInvstIncmAmt>
        <CompOfcrDirTrstDsbrsChrtblAmt>1945</CompOfcrDirTrstDsbrsChrtblAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc1">750</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>271</AccountingFeesNetInvstIncmAmt>
        <AccountingFeesChrtblPrpsAmt>479</AccountingFeesChrtblPrpsAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc5">122</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>44</TaxesNetInvstIncmAmt>
        <TaxesDsbrsChrtblAmt>78</TaxesDsbrsChrtblAmt>
        <TotOprExpensesRevAndExpnssAmt>3914</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>1412</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>2502</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>6000</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>6000</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>9914</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>1412</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>8502</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-2352</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>4383</NetInvestmentIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <SavAndTempCashInvstBOYAmt>5037</SavAndTempCashInvstBOYAmt>
        <SavAndTempCashInvstEOYAmt>5111</SavAndTempCashInvstEOYAmt>
        <SavAndTempCashInvstEOYFMVAmt>5111</SavAndTempCashInvstEOYFMVAmt>
        <OtherInvestmentsBOYAmt>166538</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="RetDoc3">164170</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>182256</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>171575</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>169281</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>187367</TotalAssetsEOYFMVAmt>
        <AccountsPayableBOYAmt>53</AccountsPayableBOYAmt>
        <AccountsPayableEOYAmt>61</AccountsPayableEOYAmt>
        <TotalLiabilitiesBOYAmt>53</TotalLiabilitiesBOYAmt>
        <TotalLiabilitiesEOYAmt>61</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <CapitalStockBOYAmt>5000</CapitalStockBOYAmt>
        <CapitalStockEOYAmt>5000</CapitalStockEOYAmt>
        <RetainedEarningBOYAmt>166522</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>164220</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>171522</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>169220</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>171575</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>169281</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>171522</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-2352</ExcessRevenueOverExpensesAmt>
        <OtherIncreasesAmt referenceDocumentId="RetDoc4">50</OtherIncreasesAmt>
        <SubtotalAmt>169220</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>169220</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <CapGainsLossTxInvstIncmDetail>
        <CapitalGainNetIncomeAmt>66</CapitalGainNetIncomeAmt>
      </CapGainsLossTxInvstIncmDetail>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>61</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>61</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>61</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>61</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>AR</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <PersonsWithBooksName>
          <BusinessNameLine1Txt>SIMMONS BANK</BusinessNameLine1Txt>
          <BusinessNameLine2Txt>SIMMONS BANK</BusinessNameLine2Txt>
        </PersonsWithBooksName>
        <PhoneNum>5016271513</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>PO BOX 55108</AddressLine1Txt>
          <CityNm>LITTLE ROCK</CityNm>
          <StateAbbreviationCd>AR</StateAbbreviationCd>
          <ZIPCd>72215</ZIPCd>
        </LocationOfBooksUSAddress>
        <ForeignAccountsQuestionInd>false</ForeignAccountsQuestionInd>
      </StatementsRegardingActyGrp>
      <StatementsRegardingActy4720Grp>
        <SaleOrExchDisqualifiedPrsnInd>false</SaleOrExchDisqualifiedPrsnInd>
        <BrrwOrLendDisqualifiedPrsnInd>false</BrrwOrLendDisqualifiedPrsnInd>
        <FurnGoodsDisqualifiedPrsnInd>false</FurnGoodsDisqualifiedPrsnInd>
        <PayCompDisqualifiedPrsnInd>false</PayCompDisqualifiedPrsnInd>
        <TransferAstDisqualifiedPrsnInd>false</TransferAstDisqualifiedPrsnInd>
        <PaymentToGovernmentOfficialInd>false</PaymentToGovernmentOfficialInd>
        <UndistributedIncomePYInd>false</UndistributedIncomePYInd>
        <BusinessHoldingsInd>false</BusinessHoldingsInd>
        <JeopardyInvestmentsInd>false</JeopardyInvestmentsInd>
        <UncorrectedPYJeopardyInvstInd>false</UncorrectedPYJeopardyInvstInd>
        <InfluenceLegislationInd>false</InfluenceLegislationInd>
        <InfluenceElectionInd>false</InfluenceElectionInd>
        <GrantsToIndividualsInd>false</GrantsToIndividualsInd>
        <GrantsToOrganizationsInd>false</GrantsToOrganizationsInd>
        <NoncharitablePurposeInd>false</NoncharitablePurposeInd>
        <RcvFndsToPayPrsnlBnftCntrctInd>false</RcvFndsToPayPrsnlBnftCntrctInd>
        <PayPremiumsPrsnlBnftCntrctInd>false</PayPremiumsPrsnlBnftCntrctInd>
        <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
        <SubjToTaxRmnrtnExPrchtPymtInd>false</SubjToTaxRmnrtnExPrchtPymtInd>
      </StatementsRegardingActy4720Grp>
      <OfficerDirTrstKeyEmplInfoGrp>
        <OfficerDirTrstKeyEmplGrp>
          <BusinessName>
            <BusinessNameLine1Txt>SIMMONS BANK</BusinessNameLine1Txt>
            <BusinessNameLine2Txt>SIMMONS BANK</BusinessNameLine2Txt>
          </BusinessName>
          <USAddress>
            <AddressLine1Txt>PO BOX 55108</AddressLine1Txt>
            <CityNm>LITTLE ROCK</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72215</ZIPCd>
          </USAddress>
          <TitleTxt>TRUSTEE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>000.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>3042</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SummaryOfDirectChrtblActyGrp>
        <Description1Txt>PAYMENT OF SCHOLARSHIPS</Description1Txt>
        <Expenses1Amt>6000</Expenses1Amt>
      </SummaryOfDirectChrtblActyGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>177370</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>5074</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>182444</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>182444</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>2737</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>179707</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>8985</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>8985</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>61</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>61</TotalTaxAmt>
        <DistributableBeforeAdjAmt>8924</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>8924</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>8924</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <PFQualifyingDistributionsGrp>
        <ExpensesAndContributionsAmt>8502</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>8502</QualifyingDistributionsAmt>
      </PFQualifyingDistributionsGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>8924</DistributableAsAdjustedAmt>
        <ExcessDistributionCyovYr2Amt>1782</ExcessDistributionCyovYr2Amt>
        <ExcessDistributionCyovYr1Amt>474</ExcessDistributionCyovYr1Amt>
        <TotalExcessDistributionCyovAmt>2256</TotalExcessDistributionCyovAmt>
        <QualifyingDistributionsAmt>8502</QualifyingDistributionsAmt>
        <AppliedToCurrentYearAmt>8502</AppliedToCurrentYearAmt>
        <ExcessDistriCyovAppCYCorpusAmt>422</ExcessDistriCyovAppCYCorpusAmt>
        <ExcessDistributionCyovAppCYAmt>422</ExcessDistributionCyovAppCYAmt>
        <TotalCorpusAmt>1834</TotalCorpusAmt>
        <UndistributedIncomeCYAmt>0</UndistributedIncomeCYAmt>
        <ExcessDistriCyovToNextYrAmt>1834</ExcessDistriCyovToNextYrAmt>
        <ExcessFromYear2Amt>1360</ExcessFromYear2Amt>
        <ExcessFromYear1Amt>474</ExcessFromYear1Amt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>CHARLESTON HIGH SCHOOL COUNSELOR</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>PO BOX 188</AddressLine1Txt>
            <AddressLine2Txt>PO BOX 188</AddressLine2Txt>
            <CityNm>CHARLESTON</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72933</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>4799657150</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>SHOW SCHOLASTIC APTITUDE AND FINANCIAL NEED. FIRST YEAR STUDENT ATTENDING A FOUR YEAR COLLEGE. CHARLESTON ARKANSAS HIGH SCHOOL GRADUATE.</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>NONE</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>GRADUATE OF CHARLESTON, AR HIGH SCHOOL. FIRST YEAR STUDENT ATTENDING A FOUR YEAR COLLEGE.</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>BILL MURRAY</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>CHARLESTON AR</AddressLine1Txt>
            <AddressLine2Txt>CHARLESTON</AddressLine2Txt>
            <CityNm>CHARLESTON</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72933</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>N/A</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>1200</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>ELLASON MEADOR</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>CHARLESTON AR</AddressLine1Txt>
            <AddressLine2Txt>CHARLESTON</AddressLine2Txt>
            <CityNm>CHARLESTON</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72933</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>N/A</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>1200</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>MADELYN FLYNN</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>CHARLESTON AR</AddressLine1Txt>
            <AddressLine2Txt>CHARLESTON</AddressLine2Txt>
            <CityNm>CHARLESTON</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72933</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>N/A</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>1200</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>CLAIR VERKAMP</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>CHARLESTON AR</AddressLine1Txt>
            <AddressLine2Txt>CHARLESTON</AddressLine2Txt>
            <CityNm>CHARLESTON</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72933</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>N/A</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>1200</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>HUNTER LITTLE</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>CHARLESTON AR</AddressLine1Txt>
            <AddressLine2Txt>CHARLESTON</AddressLine2Txt>
            <CityNm>CHARLESTON</CityNm>
            <StateAbbreviationCd>AR</StateAbbreviationCd>
            <ZIPCd>72933</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>N/A</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SCHOLARSHIP</GrantOrContributionPurposeTxt>
          <Amt>1200</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>6000</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <DividendsAndInterestFromSecDtl>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>5729</ExclusionAmt>
        </DividendsAndInterestFromSecDtl>
        <GainSalesAstOthThanInvntryGrp>
          <ExclusionCd>14</ExclusionCd>
          <ExclusionAmt>66</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>1767</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <ExclusionAmt>5795</ExclusionAmt>
          <RelatedOrExemptFunctionIncmAmt>1767</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>7562</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc1">
      <AccountingFeesDetail>
        <CategoryTxt>INDIRECT ACCOUNTING FEES</CategoryTxt>
        <Amt>750</Amt>
        <NetInvestmentIncomeAmt>271</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>479</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc2">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>15.702 COHEN &amp; STEERS</AssetDesc>
        <AcquiredDt>2022-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>277</GrossSalesPriceAmt>
        <BasisAmt>311</BasisAmt>
        <TotalNetAmt>-34</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>375.18 FEDERATED HERMES TTL RETURN</AssetDesc>
        <AcquiredDt>2007-02</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>3572</GrossSalesPriceAmt>
        <BasisAmt>3954</BasisAmt>
        <TotalNetAmt>-382</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>11.912 JPMORGAN HEDGED</AssetDesc>
        <AcquiredDt>2022-01</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>210</GrossSalesPriceAmt>
        <BasisAmt>192</BasisAmt>
        <TotalNetAmt>18</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>430.312 VANGUARD DEVELOPED MKTS</AssetDesc>
        <AcquiredDt>2023-08</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>7049</GrossSalesPriceAmt>
        <BasisAmt>6373</BasisAmt>
        <TotalNetAmt>676</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>67.907 VANGUARD EMERGING MKTS</AssetDesc>
        <AcquiredDt>2023-08</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>2504</GrossSalesPriceAmt>
        <BasisAmt>2311</BasisAmt>
        <TotalNetAmt>193</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>15.768 VANGUARD GROWTH INDEX</AssetDesc>
        <AcquiredDt>2022-12</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>2981</GrossSalesPriceAmt>
        <BasisAmt>1692</BasisAmt>
        <TotalNetAmt>1289</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>.791 VANGUARD VALUE INDEX</AssetDesc>
        <AcquiredDt>2023-08</AcquiredDt>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <SoldDt>2024-07</SoldDt>
        <GrossSalesPriceAmt>52</GrossSalesPriceAmt>
        <BasisAmt>45</BasisAmt>
        <TotalNetAmt>7</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsOtherSchedule2 documentId="RetDoc3">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FEDERATED INST HIGH YIELD BOND FD</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>11072</BookValueAmt>
        <EOYFMVAmt>10670</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>FEDERATED TOTAL RETURN BD</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>21037</BookValueAmt>
        <EOYFMVAmt>19594</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>GUGGENHEIM TOTAL RETURN BD FD</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>31318</BookValueAmt>
        <EOYFMVAmt>29463</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>PIMCO FOREIGN BOND FD-US HEDGED</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>10659</BookValueAmt>
        <EOYFMVAmt>10656</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>BLACKROCK SYSTAMT MULTI-STRAT</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>10798</BookValueAmt>
        <EOYFMVAmt>10695</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>COHEN &amp; STEERS REALTY INCOME</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>7040</BookValueAmt>
        <EOYFMVAmt>6393</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>JPMORGAN HEDGED EQUITIES</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3930</BookValueAmt>
        <EOYFMVAmt>4580</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD GROWTH INDEX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>15936</BookValueAmt>
        <EOYFMVAmt>31375</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD SMALL CAP VALUE INDEX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3107</BookValueAmt>
        <EOYFMVAmt>3427</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD MID CAP VALUE INDEX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3585</BookValueAmt>
        <EOYFMVAmt>3904</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD SMALL CAP GROWTH INDEX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3146</BookValueAmt>
        <EOYFMVAmt>3681</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD MID CAP GROWTH INDEX</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>3578</BookValueAmt>
        <EOYFMVAmt>4212</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD DEVELOPED MARKETS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>11114</BookValueAmt>
        <EOYFMVAmt>11527</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD EMERGING MARKETS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>4049</BookValueAmt>
        <EOYFMVAmt>4376</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>VANGUARD VALUE INDEZ</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>23801</BookValueAmt>
        <EOYFMVAmt>27703</EOYFMVAmt>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherIncreasesSchedule documentId="RetDoc4">
      <OtherIncreasesDetail>
        <Desc>NONDIVIDEND DISTRIBUTION</Desc>
        <Amt>50</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <TaxesSchedule documentId="RetDoc5">
      <TaxesDetail>
        <CategoryTxt>CURRENT YEAR TAX</CategoryTxt>
        <Amt>61</Amt>
        <NetInvestmentIncomeAmt>22</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>39</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>FOREIGN TAXES</CategoryTxt>
        <Amt>61</Amt>
        <NetInvestmentIncomeAmt>22</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>39</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>