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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>765</None>
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    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>779973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16770</None>
    </votingAuthority>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>407688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4758</None>
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    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>900640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1341</None>
    </votingAuthority>
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    <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>24703L202</cusip>
    <value>351819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>654</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>224090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2685</None>
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    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>223708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4859</None>
    </votingAuthority>
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    <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25278X109</cusip>
    <value>908940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4945</None>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US COR EQU 2 ETF</titleOfClass>
    <cusip>25434V708</cusip>
    <value>18427903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>414576</None>
    </votingAuthority>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>WORLD EX US CORE</titleOfClass>
    <cusip>25434V880</cusip>
    <value>323111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8728</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>726273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6923</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>341575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5644</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>477132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4185</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26614N201</cusip>
    <value>325764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2508</None>
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  <infoTable>
    <nameOfIssuer>DYNAGAS LNG PARTNERS LP</nameOfIssuer>
    <titleOfClass>COM UNIT LTD PT</titleOfClass>
    <cusip>Y2188B108</cusip>
    <value>84131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21517</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>762146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>1748</None>
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    <nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278277108</cusip>
    <value>266635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12518</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE RISK-MANAGED DIV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829G106</cusip>
    <value>91879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11246</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED BUY-</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828Y108</cusip>
    <value>250040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16759</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829C105</cusip>
    <value>198502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20895</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>1275699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4646</None>
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    <nameOfIssuer>ELEVANCE HEALTH INC FORMERLY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>223572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>575</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>7055333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6098</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29084Q100</cusip>
    <value>286164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>279043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1799</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>1066058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53923</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>439438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>4370</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1142306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8292</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29444U700</cusip>
    <value>531080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>525</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ESSENTIAL UTILS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29670G102</cusip>
    <value>230732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5888</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>APTUS COLLRD INV</titleOfClass>
    <cusip>26922A222</cusip>
    <value>46955206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000750</None>
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  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>APTUS DEFINED</titleOfClass>
    <cusip>26922A388</cusip>
    <value>53180320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1957318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1957318</None>
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  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>OPUS SML CP VL</titleOfClass>
    <cusip>26922A446</cusip>
    <value>78945345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2014940</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2014940</None>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>240151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3743</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>603185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14930</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302130109</cusip>
    <value>689446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3734</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>30233Q108</cusip>
    <value>8417692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>94</Sole>
      <Shared>0</Shared>
      <None>51628</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY COMWLTH TR</nameOfIssuer>
    <titleOfClass>NASDAQ COMPSIT</titleOfClass>
    <cusip>315912808</cusip>
    <value>246607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>900180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>297613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>5831</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>PFD SECS INC ETF</titleOfClass>
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    <titleOfClass>CAP STRENGTH ETF</titleOfClass>
    <cusip>33733E104</cusip>
    <value>31657200</value>
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    <votingAuthority>
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      <None>337317</None>
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    <titleOfClass>DJ INTERNT IDX</titleOfClass>
    <cusip>33733E302</cusip>
    <value>393157</value>
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      <sshPrnamt>1363</sshPrnamt>
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    <votingAuthority>
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      <None>1363</None>
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    <titleOfClass>FIRST TR TA HIYL</titleOfClass>
    <cusip>33738D408</cusip>
    <value>233991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5957</sshPrnamt>
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      <None>5957</None>
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    <titleOfClass>NY ARCA BIOTECH</titleOfClass>
    <cusip>33733E203</cusip>
    <value>658028</value>
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      <None>2417</None>
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    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>1248288</value>
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      <sshPrnamt>25418</sshPrnamt>
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      <None>25418</None>
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    <cusip>337345102</cusip>
    <value>2409485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7307</sshPrnamt>
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      <None>7307</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>189520</value>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11493</None>
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      <sshPrnamt>9343</sshPrnamt>
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      <None>9343</None>
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      <None>24135</None>
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    <cusip>34959E109</cusip>
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      <sshPrnamt>1465</sshPrnamt>
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      <Sole>0</Sole>
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      <None>1465</None>
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    <cusip>30290Y101</cusip>
    <value>1676051</value>
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      <sshPrnamt>324816</sshPrnamt>
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      <Sole>0</Sole>
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      <None>324816</None>
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    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>328560</sshPrnamt>
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      <None>328560</None>
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    <nameOfIssuer>FS SPECIALTY LENDING FD</nameOfIssuer>
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    <cusip>644323107</cusip>
    <value>184650</value>
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      <sshPrnamt>15877</sshPrnamt>
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      <None>15877</None>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
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    <cusip>369604301</cusip>
    <value>881930</value>
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      <sshPrnamt>2824</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2824</None>
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    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>1448554</value>
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      <sshPrnamt>1524</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1524</None>
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    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>432432</value>
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      <sshPrnamt>5616</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5616</None>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>432394</value>
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      <sshPrnamt>2901</sshPrnamt>
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      <Sole>0</Sole>
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      <None>2901</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>540751</value>
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      <sshPrnamt>10300</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10300</None>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
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      <sshPrnamt>1207</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>1207</None>
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    <nameOfIssuer>HARBOR ETF TRUST</nameOfIssuer>
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    <cusip>41151J885</cusip>
    <value>92620603</value>
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      <sshPrnamt>3165434</sshPrnamt>
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      <None>3165434</None>
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    <nameOfIssuer>HARTFORD INSURANCE GROUP INC</nameOfIssuer>
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      <None>1904</None>
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    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
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      <sshPrnamt>2414</sshPrnamt>
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      <None>2414</None>
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      <None>7338</None>
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    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE C</nameOfIssuer>
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      <None>9898</None>
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    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>746</None>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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      <sshPrnamt>7836</sshPrnamt>
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      <Sole>8</Sole>
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      <None>7828</None>
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      <None>1672</None>
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    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
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      <None>2231</None>
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    <nameOfIssuer>HP INC</nameOfIssuer>
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      <None>7073</None>
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    <nameOfIssuer>HSBC HLDGS PLC</nameOfIssuer>
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      <None>2529</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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      <Shared>0</Shared>
      <None>1642</None>
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    <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
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    <nameOfIssuer>IMPERIAL OIL LTD</nameOfIssuer>
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      <sshPrnamt>5320</sshPrnamt>
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      <None>5320</None>
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    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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      <sshPrnamt>9664</sshPrnamt>
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      <None>9664</None>
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    <nameOfIssuer>INSULET CORP</nameOfIssuer>
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      <sshPrnamt>1705</sshPrnamt>
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      <None>1705</None>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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      <None>22115</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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    <cusip>45866F104</cusip>
    <value>311362</value>
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      <sshPrnamt>2048</sshPrnamt>
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      <None>2048</None>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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      <sshPrnamt>10423</sshPrnamt>
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      <Sole>25</Sole>
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      <None>10398</None>
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    <nameOfIssuer>INTUIT</nameOfIssuer>
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      <sshPrnamt>2149</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR US AGRGT</titleOfClass>
    <cusip>46435U549</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>59255</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWRE 1 5 YR</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>26460</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI KLD ETF</titleOfClass>
    <cusip>464288570</cusip>
    <value>5244462</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>35877</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG OPTIMIZED</titleOfClass>
    <cusip>464288802</cusip>
    <value>560276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3599</sshPrnamt>
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      <Shared>0</Shared>
      <None>3599</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>1396034</value>
    <shrsOrPrnAmt>
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      <None>18081</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
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    <shrsOrPrnAmt>
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      <None>6296</None>
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  <infoTable>
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    <titleOfClass>INTRM GOV CR ETF</titleOfClass>
    <cusip>464288612</cusip>
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    <shrsOrPrnAmt>
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      <None>7018</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>15348</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>LATN AMER 40 ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Shared>0</Shared>
      <None>30357</None>
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    <titleOfClass>MBS ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>13401</None>
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    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>6478</None>
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    <titleOfClass>MSCI INTL QUALTY</titleOfClass>
    <cusip>46434V456</cusip>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>5318</None>
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    <titleOfClass>MSCI UK ETF NEW</titleOfClass>
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    <value>561152</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12060</None>
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    <titleOfClass>MSCI USA MIN ETF</titleOfClass>
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    <value>3146771</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>32294</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
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    <shrsOrPrnAmt>
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      <None>10037</None>
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    <shrsOrPrnAmt>
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      <None>2741</None>
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    <shrsOrPrnAmt>
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      <None>114459</None>
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    <shrsOrPrnAmt>
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      <None>10669</None>
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    <shrsOrPrnAmt>
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      <None>867</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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      <None>2318</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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      <None>16622</None>
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      <None>5262</None>
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      <None>30698</None>
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      <None>48086</None>
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    <shrsOrPrnAmt>
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      <None>3299</None>
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      <None>13103</None>
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      <None>842544</None>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>6780</None>
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      <sshPrnamt>4307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4307</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>21435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43</Sole>
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      <None>21392</None>
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      <sshPrnamt>1379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1379</None>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>29027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
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      <None>28999</None>
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    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>493267108</cusip>
    <value>572758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28538</None>
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    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>263217</value>
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      <sshPrnamt>2702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2702</None>
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  <infoTable>
    <nameOfIssuer>KLA CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>482480100</cusip>
    <value>1261977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6474</None>
    </votingAuthority>
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    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
    <value>475643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8114</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC</nameOfIssuer>
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    <cusip>504922105</cusip>
    <value>354327</value>
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    <votingAuthority>
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      <None>1150</None>
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    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>512807306</cusip>
    <value>1244724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3789</None>
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    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>878577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1851</None>
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    <nameOfIssuer>LLOYDS BANKING GROUP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>539439109</cusip>
    <value>68675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12198</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>3552738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>6958</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>657152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3566</None>
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    <nameOfIssuer>LUMENTUM HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55024U109</cusip>
    <value>392389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>404</None>
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    <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55261F104</cusip>
    <value>290182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1334</None>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>894385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2262</None>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>261900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1534</None>
    </votingAuthority>
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    <nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>573874104</cusip>
    <value>208462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>789</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>4044481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7334</None>
    </votingAuthority>
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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM NON VTG</titleOfClass>
    <cusip>579780206</cusip>
    <value>423075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9118</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>1563632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>6759</None>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>331278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>388</None>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>316512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>3634</None>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>2551894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>17480</None>
    </votingAuthority>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>6384490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8804</None>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>337187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3581</None>
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    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>595112103</cusip>
    <value>5356696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5029</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>22163077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>43201</None>
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    <nameOfIssuer>MONOLITHIC PWR SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609839105</cusip>
    <value>319291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>237</None>
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    <nameOfIssuer>MONSTER BEVERAGE CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61174X109</cusip>
    <value>595832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14316</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>965067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5131</None>
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    <nameOfIssuer>NATERA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>632307104</cusip>
    <value>348421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>843</None>
    </votingAuthority>
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    <nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>636180101</cusip>
    <value>254458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3354</None>
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    <nameOfIssuer>NEBIUS GROUP N.V.</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>N97284108</cusip>
    <value>955353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4050</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>1258702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18090</None>
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    <nameOfIssuer>NEW YORK TIMES CO MTN BE</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>650111107</cusip>
    <value>260724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4093</None>
    </votingAuthority>
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    <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>651639106</cusip>
    <value>261130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2264</None>
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    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>808088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10669</None>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>233637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6600</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>428316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1386</None>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>305116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>631</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>397485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2788</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>670100205</cusip>
    <value>389635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>ESG DIVIDEND ETF</titleOfClass>
    <cusip>67092P813</cusip>
    <value>1220368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
    <cusip>67092P201</cusip>
    <value>299283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2632</None>
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  <infoTable>
    <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
    <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
    <cusip>67092P607</cusip>
    <value>1158672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23878</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>670699107</cusip>
    <value>390705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12839</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>3642882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>109363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>581454043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19381801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19381801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>1574724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>47108579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1874595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1874595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD</nameOfIssuer>
    <titleOfClass>SPONSORD ADS</titleOfClass>
    <cusip>81141R100</cusip>
    <value>282928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>1778272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1928</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>ANG RESH ENHANCE</titleOfClass>
    <cusip>81589A866</cusip>
    <value>633364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>HIGH YIELD BOND</titleOfClass>
    <cusip>81589A874</cusip>
    <value>858798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>QIM US EQUITY FA</titleOfClass>
    <cusip>81589A882</cusip>
    <value>3675770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>143992</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>QIM US LARGE CAP</titleOfClass>
    <cusip>81589A205</cusip>
    <value>3150599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>QIM US LARGE VAL</titleOfClass>
    <cusip>81589A304</cusip>
    <value>3140336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63971</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>QIM US LARGE VOL</titleOfClass>
    <cusip>81589A403</cusip>
    <value>51250185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1519875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1519875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>QIM US LRG CAP Q</titleOfClass>
    <cusip>81589A106</cusip>
    <value>1567692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>SELE INTL EQ ETF</titleOfClass>
    <cusip>81589A700</cusip>
    <value>1387900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38779</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>SELE SMAL CA ETF</titleOfClass>
    <cusip>81589A502</cusip>
    <value>592661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEI EXCHANGE TRADED FUNDS</nameOfIssuer>
    <titleOfClass>SELECT EMERGING</titleOfClass>
    <cusip>81589A601</cusip>
    <value>56200944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1449307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1449307</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR DISCR ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>2739402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25169</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR ENERG ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1128711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR FINL ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>498803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9341</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR INDL ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>254890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR STAPL ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>2259923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR SVC ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>14732336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>132760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR TECHN ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1598392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ST STR UTIL ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>1100651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27907</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>1060019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7910</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>378869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>240513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>744</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>222374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8267P108</cusip>
    <value>243608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>833445109</cusip>
    <value>230901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>4007502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>48294</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPACE EXPLORATION TECHN CORP</nameOfIssuer>
    <titleOfClass>CLASS A COM STK</titleOfClass>
    <cusip>84615Q103</cusip>
    <value>551574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3656</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1465339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3848</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ST PORT MARK ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>1405905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ST STR EUROP ETF</titleOfClass>
    <cusip>78463X103</cusip>
    <value>257969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4803</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ST STR MSCI EAFE</titleOfClass>
    <cusip>78470E106</cusip>
    <value>205816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3842</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>ST STR PO EX ETF</titleOfClass>
    <cusip>78463X889</cusip>
    <value>523088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10418</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>SST SPDR BLOOMBE</titleOfClass>
    <cusip>78464A391</cusip>
    <value>351230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST BLOO HIGH ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>217406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST INTER BD ETF</titleOfClass>
    <cusip>78464A375</cusip>
    <value>233417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7231</None>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST NUVE HIGH ETF</titleOfClass>
    <cusip>78464A284</cusip>
    <value>1255236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53483</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST PORT HIGH ETF</titleOfClass>
    <cusip>78468R606</cusip>
    <value>4340281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>192133</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR BACKE ETF</titleOfClass>
    <cusip>78464A383</cusip>
    <value>246556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11663</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR P500GRW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>860001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6987</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR P500VAL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>668579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10937</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP DIV</titleOfClass>
    <cusip>78464A763</cusip>
    <value>227190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1551</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP500DIV</titleOfClass>
    <cusip>78468R788</cusip>
    <value>388506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8563</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP600 SML</titleOfClass>
    <cusip>78468R853</cusip>
    <value>326093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6169</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP600GRWO</titleOfClass>
    <cusip>78464A201</cusip>
    <value>60681908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>567280</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>ST STR SP600SM C</titleOfClass>
    <cusip>78464A300</cusip>
    <value>8891735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>86681</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>ST STR BL LN ETF</titleOfClass>
    <cusip>78467V608</cusip>
    <value>285719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7074</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>465791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>4922</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>216841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR DOW JONES IND</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>633474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1246</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1953501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2562</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 40</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>646859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>985</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>858119100</cusip>
    <value>293412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>1440538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871607107</cusip>
    <value>626314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>296638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>3738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MANUFAC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>3202835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7021</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TALEN ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87422Q109</cusip>
    <value>323009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>421653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>2670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEMPLETON DRAGON FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88018T101</cusip>
    <value>115063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11813</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>3146810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8869</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>966708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3451</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>2314071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>3182056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24050</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>818009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5016</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>819454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26189</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>1048594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2320</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>893641100</cusip>
    <value>219768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>385443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>1055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>256085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>505345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>1843</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SVCS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>656041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7021</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1426551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>3878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNUM GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91529Y106</cusip>
    <value>348025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>507075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>8653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>695760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>1776</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
    <cusip>92189H409</cusip>
    <value>1654040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>JP MRGAN EM LOC</titleOfClass>
    <cusip>92189H300</cusip>
    <value>780978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>REAL ASSETS ETF</titleOfClass>
    <cusip>92189F130</cusip>
    <value>573114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>21574581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 GRTH</titleOfClass>
    <cusip>921932794</cusip>
    <value>1821847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 VAL</titleOfClass>
    <cusip>921932778</cusip>
    <value>2844616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>2378646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>1663698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>2212611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR GRWT ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>8068683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>89303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR MD CP VA</titleOfClass>
    <cusip>922908512</cusip>
    <value>553748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2832</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR SM CP GR</titleOfClass>
    <cusip>922908595</cusip>
    <value>1320996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3910</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR SML CP V</titleOfClass>
    <cusip>922908611</cusip>
    <value>1767644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7651</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR TTL STK</titleOfClass>
    <cusip>922908769</cusip>
    <value>3525673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9421</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MRNGSTR VAL ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>7316595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>5225645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>3497536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>917313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18637</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>5052489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>106683</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>3611094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28008</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL</titleOfClass>
    <cusip>92206C714</cusip>
    <value>3849059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>173842873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>745115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>384452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4525</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>7922036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112194</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>EM MK GOV BD ETF</titleOfClass>
    <cusip>921946885</cusip>
    <value>961849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>339307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>594753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>200050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ESG US STK ETF</titleOfClass>
    <cusip>921910733</cusip>
    <value>264961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1955</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>9400073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>247609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1290680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>27966</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>631554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1208</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92537N108</cusip>
    <value>283298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>6030257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16782</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>4351298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>41822</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>934423104</cusip>
    <value>216124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6983</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>492695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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      <None>6923</None>
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      <None>2109</None>
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      <sshPrnamt>4523</sshPrnamt>
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      <None>4523</None>
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      <None>6255</None>
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      <None>12564</None>
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      <Sole>0</Sole>
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      <None>915</None>
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      <sshPrnamt>3233</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>3233</None>
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