<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2020v4.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2021-05-06T08:00:29-05:00</ReturnTs>
    <TaxPeriodEndDt>2020-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>205855064</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>JASON C KELLER CPA PLLC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>PO BOX 3986</AddressLine1Txt>
        <CityNm>WILMINGTON</CityNm>
        <StateAbbreviationCd>NC</StateAbbreviationCd>
        <ZIPCd>284060986</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990PF</ReturnTypeCd>
    <TaxPeriodBeginDt>2020-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>363666551</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>THE JOANNA FOUNDATION</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>C/O LYNN REGNERY</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>JOAN</BusinessNameControlTxt>
      <PhoneNum>9102644444</PhoneNum>
      <USAddress>
        <AddressLine1Txt>7423 FISHERMAN CREEK</AddressLine1Txt>
        <CityNm>WILMINGTON</CityNm>
        <StateAbbreviationCd>NC</StateAbbreviationCd>
        <ZIPCd>28405</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>LYNN REGNERY</PersonNm>
      <PersonTitleTxt>PRESIDENT</PersonTitleTxt>
      <PhoneNum>9102644444</PhoneNum>
      <SignatureDt>2021-04-26</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <SigningOfficerGrp>
      <PersonFullName>
        <PersonFirstNm>LYNN</PersonFirstNm>
        <PersonLastNm>REGNERY</PersonLastNm>
      </PersonFullName>
      <SSN>999009999</SSN>
    </SigningOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>JASON C KELLER</PreparerPersonNm>
      <PTIN>P00247140</PTIN>
      <PhoneNum>9103955445</PhoneNum>
      <PreparationDt>2021-05-06</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2020</TaxYr>
    <BuildTS>2022-09-23 18:48:47Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="8">
    <IRS990PF documentId="RetDoc9" referenceDocumentId="RetDoc8">
      <Organization501c3ExemptPFInd>X</Organization501c3ExemptPFInd>
      <FMVAssetsEOYAmt>801618</FMVAssetsEOYAmt>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <AnalysisOfRevenueAndExpenses>
        <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
        <InterestOnSavRevAndExpnssAmt>8</InterestOnSavRevAndExpnssAmt>
        <InterestOnSavNetInvstIncmAmt>8</InterestOnSavNetInvstIncmAmt>
        <InterestOnSavingsAdjNetIncmAmt>8</InterestOnSavingsAdjNetIncmAmt>
        <DividendsRevAndExpnssAmt>18055</DividendsRevAndExpnssAmt>
        <DividendsNetInvstIncmAmt>17367</DividendsNetInvstIncmAmt>
        <DividendsAdjNetIncmAmt>18055</DividendsAdjNetIncmAmt>
        <NetGainSaleAstRevAndExpnssAmt referenceDocumentId="RetDoc2">15756</NetGainSaleAstRevAndExpnssAmt>
        <GrossSalesPriceAmt>369540</GrossSalesPriceAmt>
        <TotalRevAndExpnssAmt>33819</TotalRevAndExpnssAmt>
        <TotalNetInvstIncmAmt>17375</TotalNetInvstIncmAmt>
        <TotalAdjNetIncmAmt>18063</TotalAdjNetIncmAmt>
        <AccountingFeesRevAndExpnssAmt referenceDocumentId="RetDoc1">480</AccountingFeesRevAndExpnssAmt>
        <AccountingFeesNetInvstIncmAmt>240</AccountingFeesNetInvstIncmAmt>
        <AccountingFeesChrtblPrpsAmt>240</AccountingFeesChrtblPrpsAmt>
        <TaxesRevAndExpnssAmt referenceDocumentId="RetDoc7">220</TaxesRevAndExpnssAmt>
        <TaxesNetInvstIncmAmt>110</TaxesNetInvstIncmAmt>
        <TaxesDsbrsChrtblAmt>110</TaxesDsbrsChrtblAmt>
        <OtherExpensesRevAndExpnssAmt referenceDocumentId="RetDoc6">280</OtherExpensesRevAndExpnssAmt>
        <OtherExpensesNetInvstIncmAmt>140</OtherExpensesNetInvstIncmAmt>
        <OtherExpensesDsbrsChrtblAmt>140</OtherExpensesDsbrsChrtblAmt>
        <TotOprExpensesRevAndExpnssAmt>980</TotOprExpensesRevAndExpnssAmt>
        <TotOprExpensesNetInvstIncmAmt>490</TotOprExpensesNetInvstIncmAmt>
        <TotOprExpensesDsbrsChrtblAmt>490</TotOprExpensesDsbrsChrtblAmt>
        <ContriPaidRevAndExpnssAmt>38600</ContriPaidRevAndExpnssAmt>
        <ContriPaidDsbrsChrtblAmt>38600</ContriPaidDsbrsChrtblAmt>
        <TotalExpensesRevAndExpnssAmt>39580</TotalExpensesRevAndExpnssAmt>
        <TotalExpensesNetInvstIncmAmt>490</TotalExpensesNetInvstIncmAmt>
        <TotalExpensesDsbrsChrtblAmt>39090</TotalExpensesDsbrsChrtblAmt>
        <ExcessRevenueOverExpensesAmt>-5761</ExcessRevenueOverExpensesAmt>
        <NetInvestmentIncomeAmt>16885</NetInvestmentIncomeAmt>
        <AdjustedNetIncomeAmt>18063</AdjustedNetIncomeAmt>
      </AnalysisOfRevenueAndExpenses>
      <Form990PFBalanceSheetsGrp>
        <CashBOYAmt>88357</CashBOYAmt>
        <CashEOYAmt>31332</CashEOYAmt>
        <CashEOYFMVAmt>31332</CashEOYFMVAmt>
        <USGovernmentObligationsBOYAmt>297107</USGovernmentObligationsBOYAmt>
        <USGovernmentObligationsEOYAmt>305599</USGovernmentObligationsEOYAmt>
        <USGovtObligationsEOYFMVAmt>305594</USGovtObligationsEOYFMVAmt>
        <CorporateStockBOYAmt>26525</CorporateStockBOYAmt>
        <CorporateStockEOYAmt referenceDocumentId="RetDoc4">48575</CorporateStockEOYAmt>
        <CorporateStockEOYFMVAmt>50860</CorporateStockEOYFMVAmt>
        <CorporateBondsBOYAmt>334779</CorporateBondsBOYAmt>
        <CorporateBondsEOYAmt referenceDocumentId="RetDoc3">365665</CorporateBondsEOYAmt>
        <CorporateBondsEOYFMVAmt>364287</CorporateBondsEOYFMVAmt>
        <OtherInvestmentsBOYAmt>43090</OtherInvestmentsBOYAmt>
        <OtherInvestmentsEOYAmt referenceDocumentId="RetDoc5">32926</OtherInvestmentsEOYAmt>
        <OtherInvestmentsEOYFMVAmt>49545</OtherInvestmentsEOYFMVAmt>
        <TotalAssetsBOYAmt>789858</TotalAssetsBOYAmt>
        <TotalAssetsEOYAmt>784097</TotalAssetsEOYAmt>
        <TotalAssetsEOYFMVAmt>801618</TotalAssetsEOYFMVAmt>
        <TotalLiabilitiesEOYAmt>0</TotalLiabilitiesEOYAmt>
        <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
        <RetainedEarningBOYAmt>789858</RetainedEarningBOYAmt>
        <RetainedEarningEOYAmt>784097</RetainedEarningEOYAmt>
        <TotNetAstOrFundBalancesBOYAmt>789858</TotNetAstOrFundBalancesBOYAmt>
        <TotNetAstOrFundBalancesEOYAmt>784097</TotNetAstOrFundBalancesEOYAmt>
        <TotalLiabilitiesNetAstBOYAmt>789858</TotalLiabilitiesNetAstBOYAmt>
        <TotalLiabilitiesNetAstEOYAmt>784097</TotalLiabilitiesNetAstEOYAmt>
      </Form990PFBalanceSheetsGrp>
      <ChgInNetAssetsFundBalancesGrp>
        <TotNetAstOrFundBalancesBOYAmt>789858</TotNetAstOrFundBalancesBOYAmt>
        <ExcessRevenueOverExpensesAmt>-5761</ExcessRevenueOverExpensesAmt>
        <SubtotalAmt>784097</SubtotalAmt>
        <TotNetAstOrFundBalancesEOYAmt>784097</TotNetAstOrFundBalancesEOYAmt>
      </ChgInNetAssetsFundBalancesGrp>
      <ExciseTaxBasedOnInvstIncmGrp>
        <InvestmentIncomeExciseTaxAmt>235</InvestmentIncomeExciseTaxAmt>
        <SubtotalAmt>235</SubtotalAmt>
        <TaxBasedOnInvestmentIncomeAmt>235</TaxBasedOnInvestmentIncomeAmt>
        <TaxDueAmt>235</TaxDueAmt>
      </ExciseTaxBasedOnInvstIncmGrp>
      <StatementsRegardingActyGrp>
        <LegislativePoliticalActyInd>false</LegislativePoliticalActyInd>
        <MoreThan100SpentInd>false</MoreThan100SpentInd>
        <Form1120POLFiledInd>false</Form1120POLFiledInd>
        <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
        <ChangesToArticlesOrBylawsInd>false</ChangesToArticlesOrBylawsInd>
        <UnrelatedBusIncmOverLimitInd>false</UnrelatedBusIncmOverLimitInd>
        <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
        <Section508eRqrSatisfiedInd>true</Section508eRqrSatisfiedInd>
        <AtLeast5000InAssetsInd>true</AtLeast5000InAssetsInd>
        <OrgReportOrRegisterStateCd>IL</OrgReportOrRegisterStateCd>
        <Form990PFFiledWithAttyGenInd>true</Form990PFFiledWithAttyGenInd>
        <PrivateOperatingFoundationInd>false</PrivateOperatingFoundationInd>
        <NewSubstantialContributorsInd>false</NewSubstantialContributorsInd>
        <OwnControlledEntityInd>false</OwnControlledEntityInd>
        <DonorAdvisedFundInd>false</DonorAdvisedFundInd>
        <ComplyWithPublicInspRqrInd>true</ComplyWithPublicInspRqrInd>
        <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
        <IndividualWithBooksNm>LYNN REGNERY</IndividualWithBooksNm>
        <PhoneNum>9102644444</PhoneNum>
        <LocationOfBooksUSAddress>
          <AddressLine1Txt>7423 FISHERMAN CREEK</AddressLine1Txt>
          <CityNm>WILMINGTON</CityNm>
          <StateAbbreviationCd>NC</StateAbbreviationCd>
          <ZIPCd>28405</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>
          <PersonNm>LYNN REGNERY</PersonNm>
          <USAddress>
            <AddressLine1Txt>7423 FISHERMAN CREEK</AddressLine1Txt>
            <CityNm>WILMINGTON</CityNm>
            <StateAbbreviationCd>NC</StateAbbreviationCd>
            <ZIPCd>28405</ZIPCd>
          </USAddress>
          <TitleTxt>PRESIDENT</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>5.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>JOHN REGNERY</PersonNm>
          <USAddress>
            <AddressLine1Txt>11149 YELLOW LEAF WAY</AddressLine1Txt>
            <CityNm>GERMANTOWN</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>20876</ZIPCd>
          </USAddress>
          <TitleTxt>VICE PRESIDE</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>10.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <OfficerDirTrstKeyEmplGrp>
          <PersonNm>REBECCA DELRAE REGNERY</PersonNm>
          <USAddress>
            <AddressLine1Txt>11149 YELLOW LEAF WAY</AddressLine1Txt>
            <CityNm>GERMANTOWN</CityNm>
            <StateAbbreviationCd>MD</StateAbbreviationCd>
            <ZIPCd>20876</ZIPCd>
          </USAddress>
          <TitleTxt>TREASURER</TitleTxt>
          <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
          <CompensationAmt>0</CompensationAmt>
          <EmployeeBenefitProgramAmt>0</EmployeeBenefitProgramAmt>
          <ExpenseAccountOtherAllwncAmt>0</ExpenseAccountOtherAllwncAmt>
        </OfficerDirTrstKeyEmplGrp>
        <CompOfHghstPdEmplOrNONETxt>NONE</CompOfHghstPdEmplOrNONETxt>
        <CompOfHghstPdCntrctOrNONETxt>NONE</CompOfHghstPdCntrctOrNONETxt>
      </OfficerDirTrstKeyEmplInfoGrp>
      <SumOfProgramRelatedInvstGrp>
        <Description1Txt>N/A</Description1Txt>
      </SumOfProgramRelatedInvstGrp>
      <MinimumInvestmentReturnGrp>
        <AverageMonthlyFMVOfSecAmt>814193</AverageMonthlyFMVOfSecAmt>
        <AverageMonthlyCashBalancesAmt>0</AverageMonthlyCashBalancesAmt>
        <FMVAllOtherNoncharitableAstAmt>0</FMVAllOtherNoncharitableAstAmt>
        <TotalFMVOfUnusedAssetsAmt>814193</TotalFMVOfUnusedAssetsAmt>
        <AdjustedTotalFMVOfUnusedAstAmt>814193</AdjustedTotalFMVOfUnusedAstAmt>
        <CashDeemedCharitableAmt>12213</CashDeemedCharitableAmt>
        <NetVlNoncharitableAssetsAmt>801980</NetVlNoncharitableAssetsAmt>
        <MinimumInvestmentReturnAmt>40099</MinimumInvestmentReturnAmt>
      </MinimumInvestmentReturnGrp>
      <DistributableAmountGrp>
        <MinimumInvestmentReturnAmt>40099</MinimumInvestmentReturnAmt>
        <TaxBasedOnInvestmentIncomeAmt>235</TaxBasedOnInvestmentIncomeAmt>
        <TotalTaxAmt>235</TotalTaxAmt>
        <DistributableBeforeAdjAmt>39864</DistributableBeforeAdjAmt>
        <DistributableBeforeDedAmt>39864</DistributableBeforeDedAmt>
        <DistributableAsAdjustedAmt>39864</DistributableAsAdjustedAmt>
      </DistributableAmountGrp>
      <QualifyingDistriPartXIIGrp>
        <ExpensesAndContributionsAmt>39090</ExpensesAndContributionsAmt>
        <QualifyingDistributionsAmt>39090</QualifyingDistributionsAmt>
        <AdjustedQualifyingDistriAmt>39090</AdjustedQualifyingDistriAmt>
      </QualifyingDistriPartXIIGrp>
      <UndistributedIncomeGrp>
        <DistributableAsAdjustedAmt>39864</DistributableAsAdjustedAmt>
        <UndistributedIncomePYAmt>2681</UndistributedIncomePYAmt>
        <QualifyingDistributionsAmt>39090</QualifyingDistributionsAmt>
        <AppliedToYear1Amt>2681</AppliedToYear1Amt>
        <AppliedToCurrentYearAmt>36409</AppliedToCurrentYearAmt>
        <UndistributedIncomeCYAmt>3455</UndistributedIncomeCYAmt>
      </UndistributedIncomeGrp>
      <SupplementaryInformationGrp>
        <ApplicationSubmissionInfoGrp>
          <RecipientPersonNm>LYNN REGNERY</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>7423 FISHERMAN CREEK</AddressLine1Txt>
            <CityNm>WILMINGTON</CityNm>
            <StateAbbreviationCd>NC</StateAbbreviationCd>
            <ZIPCd>28405</ZIPCd>
          </RecipientUSAddress>
          <RecipientPhoneNum>9102644444</RecipientPhoneNum>
          <FormAndInfoAndMaterialsTxt>NONE SPECIFIED</FormAndInfoAndMaterialsTxt>
          <SubmissionDeadlinesTxt>NONE SPECIFIED</SubmissionDeadlinesTxt>
          <RestrictionsOnAwardsTxt>NONE SPECIFIED</RestrictionsOnAwardsTxt>
        </ApplicationSubmissionInfoGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientPersonNm>SEE ATTACHED LISTING</RecipientPersonNm>
          <RecipientUSAddress>
            <AddressLine1Txt>SEE ATTACHED</AddressLine1Txt>
            <CityNm>SEE ATTACHED</CityNm>
            <StateAbbreviationCd>NC</StateAbbreviationCd>
            <ZIPCd>28405</ZIPCd>
          </RecipientUSAddress>
          <RecipientFoundationStatusTxt>PC</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>SEE ATTACHED</GrantOrContributionPurposeTxt>
          <Amt>38600</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>38600</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <RelatedOrExemptFunctionIncmAmt>8</RelatedOrExemptFunctionIncmAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DivAndIntFromSecPartVIIGrp>
          <RelatedOrExemptFunctionIncmAmt>18055</RelatedOrExemptFunctionIncmAmt>
        </DivAndIntFromSecPartVIIGrp>
        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>15756</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <RelatedOrExemptFunctionIncmAmt>33819</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>33819</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>480</Amt>
        <NetInvestmentIncomeAmt>240</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>240</DisbursementsCharitablePrpsAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc2">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>CHARLES SCHWAB - SHORT TERM</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>115564</GrossSalesPriceAmt>
        <BasisAmt>118035</BasisAmt>
        <TotalNetAmt>-2471</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>CHARLES SCHWAB - LONG TERM</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>253976</GrossSalesPriceAmt>
        <BasisAmt>235749</BasisAmt>
        <TotalNetAmt>18227</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpBondsSchedule documentId="RetDoc3">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE BONDS</BondNm>
        <EOYBookValueAmt>365665</EOYBookValueAmt>
        <EOYFMVAmt>364287</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc4">
      <InvestmentsCorporateStockGrp>
        <EOYBookValueAmt>48575</EOYBookValueAmt>
        <EOYFMVAmt>50860</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsOtherSchedule2 documentId="RetDoc5">
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>EXCHANGE TRADED FUNDS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>12344</BookValueAmt>
        <EOYFMVAmt>27514</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>REAL ESTATE INVESTMENT TRUSTS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
        <BookValueAmt>20582</BookValueAmt>
        <EOYFMVAmt>22031</EOYFMVAmt>
      </InvestmentsOtherGrp>
      <InvestmentsOtherGrp>
        <CategoryOrItemTxt>PUBLICLY TRADED PARTNERSHIPS</CategoryOrItemTxt>
        <ListedAtCostOrFMVCd>AT COST</ListedAtCostOrFMVCd>
      </InvestmentsOtherGrp>
    </InvestmentsOtherSchedule2>
    <OtherExpensesSchedule documentId="RetDoc6">
      <OtherExpensesScheduleGrp>
        <Desc>EXPENSES</Desc>
      </OtherExpensesScheduleGrp>
      <OtherExpensesScheduleGrp>
        <Desc>FEES</Desc>
        <RevenueAndExpensesPerBooksAmt>280</RevenueAndExpensesPerBooksAmt>
        <NetInvestmentIncomeAmt>140</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>140</DisbursementsCharitablePrpsAmt>
      </OtherExpensesScheduleGrp>
    </OtherExpensesSchedule>
    <TaxesSchedule documentId="RetDoc7">
      <TaxesDetail>
        <CategoryTxt>OTHER TAXES</CategoryTxt>
        <Amt>15</Amt>
        <NetInvestmentIncomeAmt>8</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>7</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>EXCISE TAXES</CategoryTxt>
        <Amt>205</Amt>
        <NetInvestmentIncomeAmt>102</NetInvestmentIncomeAmt>
        <DisbursementsCharitablePrpsAmt>103</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>
