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    <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
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    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
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    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>5100070</value>
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    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>7725305</value>
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    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
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    <cusip>02079K305</cusip>
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    <value>15962988</value>
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    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
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    <cusip>00162Q452</cusip>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
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    <cusip>032095101</cusip>
    <value>337200</value>
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    <nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03769M106</cusip>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>25046881</value>
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    <nameOfIssuer>APPLOVIN CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>03831W108</cusip>
    <value>3328037</value>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>BANK OF AMER CORP</nameOfIssuer>
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    <cusip>060505104</cusip>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
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    <nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
    <titleOfClass>ISH HIG MUN ETF</titleOfClass>
    <cusip>092528843</cusip>
    <value>685794</value>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
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      <None>475</None>
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    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>2948244</value>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CENCORA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03073E105</cusip>
    <value>515529</value>
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      <Sole>1394</Sole>
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      <None>323</None>
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    <nameOfIssuer>CHARLES SCHWAB CORP (THE)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
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      <Sole>29658</Sole>
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    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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    <value>2001899</value>
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    <nameOfIssuer>COHERENT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19247G107</cusip>
    <value>338177</value>
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      <None>1175</None>
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    <nameOfIssuer>COLUMBIA ETF TR II</nameOfIssuer>
    <titleOfClass>EM CORE EX ETF</titleOfClass>
    <cusip>19762B202</cusip>
    <value>226564</value>
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      <None>4407</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>584288</value>
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      <None>3800</None>
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    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>1607355</value>
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    <nameOfIssuer>COSTCO WHOLESALE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>624480</value>
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      <None>13426</None>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>1335850</value>
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      <Sole>1223</Sole>
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      <None>1363</None>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>401341</value>
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      <sshPrnamt>2937</sshPrnamt>
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    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
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    <cusip>244199105</cusip>
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      <None>5979</None>
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    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
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      <sshPrnamt>9396</sshPrnamt>
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      <Sole>7581</Sole>
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      <None>1815</None>
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    <cusip>25278X109</cusip>
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      <sshPrnamt>1325</sshPrnamt>
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      <None>1325</None>
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    <cusip>256746108</cusip>
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    <votingAuthority>
      <Sole>10651</Sole>
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      <None>121</None>
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    <cusip>G29183103</cusip>
    <value>758868</value>
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      <sshPrnamt>1766</sshPrnamt>
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      <None>1766</None>
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    <cusip>278865100</cusip>
    <value>5572601</value>
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      <sshPrnamt>20295</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>20295</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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    <cusip>28176E108</cusip>
    <value>1452248</value>
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      <sshPrnamt>16824</sshPrnamt>
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      <Sole>0</Sole>
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      <None>16824</None>
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    <nameOfIssuer>ELEVANCE HEALTH INC FORMERLY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>403595</value>
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      <sshPrnamt>1038</sshPrnamt>
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    <votingAuthority>
      <Sole>856</Sole>
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      <None>182</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <cusip>532457108</cusip>
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      <sshPrnamt>5689</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5490</Sole>
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      <None>199</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>2096332</value>
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      <sshPrnamt>13516</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>13516</None>
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    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>492201</value>
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      <sshPrnamt>24896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>24896</None>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>646312</value>
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      <sshPrnamt>18150</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>18149</None>
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    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
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      <sshPrnamt>490</sshPrnamt>
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    <votingAuthority>
      <Sole>404</Sole>
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      <None>86</None>
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    <nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer>
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    <cusip>30233Q108</cusip>
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      <None>6250</None>
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    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
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    <cusip>33739E108</cusip>
    <value>255273</value>
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      <sshPrnamt>14972</sshPrnamt>
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    <votingAuthority>
      <Sole>11044</Sole>
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      <None>3928</None>
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    <titleOfClass>FST LOW OPPT EFT</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>242348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5001</sshPrnamt>
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    <votingAuthority>
      <Sole>3618</Sole>
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      <None>1383</None>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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    <cusip>33718M105</cusip>
    <value>216521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2473</sshPrnamt>
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      <None>2473</None>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
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    <cusip>337738108</cusip>
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      <None>81287</None>
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    <nameOfIssuer>FORBRIGHT INC</nameOfIssuer>
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    <cusip>34520K105</cusip>
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      <sshPrnamt>22452</sshPrnamt>
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      <None>22452</None>
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    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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      <None>32561</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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      <None>5131</None>
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      <None>28530</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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      <sshPrnamt>5762</sshPrnamt>
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      <None>1382</None>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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    <cusip>437076102</cusip>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <None>2090</None>
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      <None>6000</None>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <None>185668</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287200</cusip>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>46432F842</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
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      <None>26508</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287648</cusip>
    <value>424354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1189</sshPrnamt>
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      <Sole>1131</Sole>
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      <None>58</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>46436E833</cusip>
    <value>394380</value>
    <shrsOrPrnAmt>
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      <None>18000</None>
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  <infoTable>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
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    <votingAuthority>
      <Sole>387</Sole>
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      <None>152993</None>
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      <sshPrnamt>268949</sshPrnamt>
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    <votingAuthority>
      <Sole>1235</Sole>
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      <None>267714</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
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    <cusip>46654Q716</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>354859</sshPrnamt>
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    <votingAuthority>
      <Sole>1737</Sole>
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      <None>353122</None>
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    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHRT ETF</titleOfClass>
    <cusip>46641Q837</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>94280</sshPrnamt>
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    <votingAuthority>
      <Sole>284</Sole>
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      <None>93996</None>
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    <nameOfIssuer>JANUS DETROIT STR TR</nameOfIssuer>
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    <cusip>47103U886</cusip>
    <value>204438</value>
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      <sshPrnamt>4210</sshPrnamt>
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    <votingAuthority>
      <Sole>3035</Sole>
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      <None>1175</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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      <sshPrnamt>43322</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>43321</None>
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    <votingAuthority>
      <Sole>1839</Sole>
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      <None>49215</None>
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      <None>52796</None>
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      <None>65142</None>
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      <sshPrnamt>3496</sshPrnamt>
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      <None>3496</None>
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      <sshPrnamt>12934</sshPrnamt>
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      <Sole>0</Sole>
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      <None>12934</None>
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      <Sole>1254</Sole>
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      <None>338</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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      <sshPrnamt>4235</sshPrnamt>
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      <Sole>4137</Sole>
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      <None>98</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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      <None>4079</None>
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      <None>62097</None>
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      <Sole>0</Sole>
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      <None>10648</None>
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      <sshPrnamt>513</sshPrnamt>
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      <Sole>0</Sole>
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      <None>513</None>
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      <sshPrnamt>57829</sshPrnamt>
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      <Sole>11306</Sole>
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      <None>46522</None>
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    <value>203126</value>
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      <Shared>0</Shared>
      <None>1080</None>
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      <sshPrnamt>2549</sshPrnamt>
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    <votingAuthority>
      <Sole>2104</Sole>
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      <None>445</None>
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    <nameOfIssuer>NETFLIX INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>3131726</value>
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      <sshPrnamt>45009</sshPrnamt>
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    <votingAuthority>
      <Sole>42895</Sole>
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      <None>2114</None>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>583</Sole>
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      <None>125</None>
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    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
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    <cusip>66987V109</cusip>
    <value>6942874</value>
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      <sshPrnamt>48698</sshPrnamt>
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      <Sole>0</Sole>
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      <None>48698</None>
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      <Sole>0</Sole>
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      <None>106090</None>
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    <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67073B106</cusip>
    <value>218240</value>
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      <sshPrnamt>32000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>30827190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21000</Sole>
      <Shared>0</Shared>
      <None>113982</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>576518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>7832569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17298</Sole>
      <Shared>0</Shared>
      <None>2416</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>3789815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1452</Sole>
      <Shared>0</Shared>
      <None>28455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>217592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7629</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>475192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1555</Sole>
      <Shared>0</Shared>
      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>343365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>5444954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>263324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>690</Sole>
      <Shared>0</Shared>
      <None>241</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>9380703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14001</Sole>
      <Shared>0</Shared>
      <None>36970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>4922712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>V7780T103</cusip>
    <value>2333187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8173</Sole>
      <Shared>0</Shared>
      <None>603</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>12768450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>68777</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1841611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7744</Sole>
      <Shared>0</Shared>
      <None>278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SHT TM US TRES</titleOfClass>
    <cusip>808524862</cusip>
    <value>781725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>563834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>454541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13361</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>851056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26082</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>19814044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1463</Sole>
      <Shared>0</Shared>
      <None>549999</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>14545005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>447126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1105</Sole>
      <Shared>0</Shared>
      <None>446020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>207527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR TECHN ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2268351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR FINL ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>395107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>1804170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5517</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>825107105</cusip>
    <value>314020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLB LIMITED</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>1613363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLR INVESTMENT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83413U100</cusip>
    <value>125172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1447192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST BLOO HIGH ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>251445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1983</Sole>
      <Shared>0</Shared>
      <None>728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST INTER ETF</titleOfClass>
    <cusip>78464A672</cusip>
    <value>369862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10515</Sole>
      <Shared>0</Shared>
      <None>3043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR CONV ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>650183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR P500VAL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>13499521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>603</Sole>
      <Shared>0</Shared>
      <None>220229</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SRH TOTAL RETURN FUND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101507101</cusip>
    <value>299633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR DOW JONES IND</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>18788692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36945</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>21170547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>27754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 40</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>285669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>4873301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MANUFAC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>229464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>874054109</cusip>
    <value>2740038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12743</Sole>
      <Shared>0</Shared>
      <None>462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>415229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883203101</cusip>
    <value>971550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>2795382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4039</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>8822195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>891160509</cusip>
    <value>369984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1139680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>6393983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6296</Sole>
      <Shared>0</Shared>
      <None>93</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1227516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2942735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2759</Sole>
      <Shared>0</Shared>
      <None>4833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>FALLEN ANGEL HG</titleOfClass>
    <cusip>92189F437</cusip>
    <value>309470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7362</Sole>
      <Shared>0</Shared>
      <None>3766</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1188020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>1682688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23987</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR TTL STK</titleOfClass>
    <cusip>922908769</cusip>
    <value>1310493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3501</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>2085142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>336650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3756</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR MID CAP</titleOfClass>
    <cusip>922908629</cusip>
    <value>1971479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR SML CAP</titleOfClass>
    <cusip>922908751</cusip>
    <value>2479268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8714</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR SM CP GR</titleOfClass>
    <cusip>922908595</cusip>
    <value>412490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>2804948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47293</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>CORE BD ETF</titleOfClass>
    <cusip>922020748</cusip>
    <value>23741493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1829</Sole>
      <Shared>0</Shared>
      <None>320658</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>762259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>CORE TAX EXEMPT</titleOfClass>
    <cusip>922907712</cusip>
    <value>2866593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40053</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>985787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12761</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12761</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>818340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>897544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>7022659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>99457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92537N108</cusip>
    <value>17465053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35531</Sole>
      <Shared>0</Shared>
      <None>36845</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>408853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969904101</cusip>
    <value>385849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1692</None>
    </votingAuthority>
  </infoTable>
</informationTable>
