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<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">
<infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>88579Y101</cusip><value>1339628</value><shrsOrPrnAmt><sshPrnamt>8161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8161</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer><titleOfClass>SHS CLASS A</titleOfClass><cusip>G1151C101</cusip><value>1267453</value><shrsOrPrnAmt><sshPrnamt>6912</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6912</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALLSTATE CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>020002101</cusip><value>2359703</value><shrsOrPrnAmt><sshPrnamt>10636</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>10636</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer><titleOfClass>CAP STK CL C</titleOfClass><cusip>02079K107</cusip><value>340740</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer><titleOfClass>CAP STK CL A</titleOfClass><cusip>02079K305</cusip><value>13152802</value><shrsOrPrnAmt><sshPrnamt>38226</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>38226</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>AMAZON COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>023135106</cusip><value>3662007</value><shrsOrPrnAmt><sshPrnamt>14698</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>14698</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>037833100</cusip><value>24225645</value><shrsOrPrnAmt><sshPrnamt>72745</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>72745</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BANK OF AMER CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>060505104</cusip><value>5612332</value><shrsOrPrnAmt><sshPrnamt>103111</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>103111</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>110122108</cusip><value>1130875</value><shrsOrPrnAmt><sshPrnamt>18123</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>18123</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>C H ROBINSON WORLDWIDE IN</nameOfIssuer><titleOfClass>COM NEW</titleOfClass><cusip>12541W209</cusip><value>2728382</value><shrsOrPrnAmt><sshPrnamt>18440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>18440</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHARLES SCHWAB CORP (THE)</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>1468958</value><shrsOrPrnAmt><sshPrnamt>15029</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>15029</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>166764100</cusip><value>2390237</value><shrsOrPrnAmt><sshPrnamt>11705</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>11705</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CISCO SYS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>17275R102</cusip><value>2099438</value><shrsOrPrnAmt><sshPrnamt>19506</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>19506</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>20825C104</cusip><value>505356</value><shrsOrPrnAmt><sshPrnamt>4038</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4038</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>21036P108</cusip><value>418209</value><shrsOrPrnAmt><sshPrnamt>3699</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3699</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CORNING INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>219350105</cusip><value>307520</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2000</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>231021106</cusip><value>480410</value><shrsOrPrnAmt><sshPrnamt>930</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>930</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>126650100</cusip><value>3320573</value><shrsOrPrnAmt><sshPrnamt>38751</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>38751</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>DISNEY WALT CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>254687106</cusip><value>728426</value><shrsOrPrnAmt><sshPrnamt>6944</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6944</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>EXXONMOBIL HOLDINGS CORP</nameOfIssuer><titleOfClass>COM SHS</titleOfClass><cusip>30233Q108</cusip><value>245102</value><shrsOrPrnAmt><sshPrnamt>1506</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1506</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer><titleOfClass>SHS</titleOfClass><cusip>336917109</cusip><value>1559243</value><shrsOrPrnAmt><sshPrnamt>31750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>31750</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GENERAL MTRS CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>37045V100</cusip><value>3786321</value><shrsOrPrnAmt><sshPrnamt>49173</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>49173</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>375558103</cusip><value>5569700</value><shrsOrPrnAmt><sshPrnamt>37368</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>37368</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>459200101</cusip><value>264576</value><shrsOrPrnAmt><sshPrnamt>1203</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1203</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INC</nameOfIssuer><titleOfClass>MSCI EMERG MRKT</titleOfClass><cusip>464286533</cusip><value>609876</value><shrsOrPrnAmt><sshPrnamt>8236</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8236</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INC</nameOfIssuer><titleOfClass>CORE MSCI EMKT</titleOfClass><cusip>46434G103</cusip><value>19167976</value><shrsOrPrnAmt><sshPrnamt>236175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>236175</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INC</nameOfIssuer><titleOfClass>MSCI EMRG CHN</titleOfClass><cusip>46434G764</cusip><value>795910</value><shrsOrPrnAmt><sshPrnamt>8033</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8033</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES INC</nameOfIssuer><titleOfClass>ESG AWR MSCI EM</titleOfClass><cusip>46434G863</cusip><value>1839003</value><shrsOrPrnAmt><sshPrnamt>33955</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>33955</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>SELECT DIVID ETF</titleOfClass><cusip>464287168</cusip><value>608430</value><shrsOrPrnAmt><sshPrnamt>4001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4001</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P500 ETF</titleOfClass><cusip>464287200</cusip><value>684670</value><shrsOrPrnAmt><sshPrnamt>894</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>894</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>IBOXX INV CP ETF</titleOfClass><cusip>464287242</cusip><value>507324</value><shrsOrPrnAmt><sshPrnamt>4965</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4965</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass><cusip>464287309</cusip><value>1273227</value><shrsOrPrnAmt><sshPrnamt>8950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8950</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>S&amp;P 500 VAL ETF</titleOfClass><cusip>464287408</cusip><value>2091958</value><shrsOrPrnAmt><sshPrnamt>9164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>9164</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>MSCI EAFE ETF</titleOfClass><cusip>464287465</cusip><value>3218408</value><shrsOrPrnAmt><sshPrnamt>30979</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>30979</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS MDCP VAL ETF</titleOfClass><cusip>464287473</cusip><value>257023</value><shrsOrPrnAmt><sshPrnamt>1599</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1599</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P MCP ETF</titleOfClass><cusip>464287507</cusip><value>15946580</value><shrsOrPrnAmt><sshPrnamt>221634</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>221634</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>ISHARES BIOTECH</titleOfClass><cusip>464287556</cusip><value>468649</value><shrsOrPrnAmt><sshPrnamt>2226</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2226</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 VAL ETF</titleOfClass><cusip>464287598</cusip><value>261814</value><shrsOrPrnAmt><sshPrnamt>1056</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1056</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>S&amp;P MC 400GR ETF</titleOfClass><cusip>464287606</cusip><value>4971910</value><shrsOrPrnAmt><sshPrnamt>45360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>45360</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 GRW ETF</titleOfClass><cusip>464287614</cusip><value>436907</value><shrsOrPrnAmt><sshPrnamt>3488</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3488</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 ETF</titleOfClass><cusip>464287622</cusip><value>1635391</value><shrsOrPrnAmt><sshPrnamt>3930</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>3930</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUSSELL 2000 ETF</titleOfClass><cusip>464287655</cusip><value>1433357</value><shrsOrPrnAmt><sshPrnamt>5158</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5158</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P US GWT</titleOfClass><cusip>464287671</cusip><value>5792429</value><shrsOrPrnAmt><sshPrnamt>29896</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>29896</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>S&amp;P MC 400VL ETF</titleOfClass><cusip>464287705</cusip><value>3751892</value><shrsOrPrnAmt><sshPrnamt>27245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>27245</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE S&amp;P SCP ETF</titleOfClass><cusip>464287804</cusip><value>16785857</value><shrsOrPrnAmt><sshPrnamt>123389</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>123389</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>SP SMCP600VL ETF</titleOfClass><cusip>464287879</cusip><value>3443969</value><shrsOrPrnAmt><sshPrnamt>26885</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>26885</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>S&amp;P SML 600 GWT</titleOfClass><cusip>464287887</cusip><value>4635621</value><shrsOrPrnAmt><sshPrnamt>28913</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>28913</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>MRGSTR MD CP GRW</titleOfClass><cusip>464288307</cusip><value>1387303</value><shrsOrPrnAmt><sshPrnamt>14776</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>14776</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CALIF MUN BD ETF</titleOfClass><cusip>464288356</cusip><value>541254</value><shrsOrPrnAmt><sshPrnamt>10001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>10001</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>IBOXX HI YD ETF</titleOfClass><cusip>464288513</cusip><value>1505055</value><shrsOrPrnAmt><sshPrnamt>19493</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>19493</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>ESG MSCI KLD ETF</titleOfClass><cusip>464288570</cusip><value>5111330</value><shrsOrPrnAmt><sshPrnamt>34966</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>34966</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>EAFE VALUE ETF</titleOfClass><cusip>464288877</cusip><value>2357185</value><shrsOrPrnAmt><sshPrnamt>29785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>29785</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>EAFE GRWTH ETF</titleOfClass><cusip>464288885</cusip><value>254639</value><shrsOrPrnAmt><sshPrnamt>2125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2125</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>CORE MSCI EAFE</titleOfClass><cusip>46432F842</cusip><value>31274167</value><shrsOrPrnAmt><sshPrnamt>322813</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>322813</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>ESG AWRE USD ETF</titleOfClass><cusip>46435G193</cusip><value>679198</value><shrsOrPrnAmt><sshPrnamt>30950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>30950</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>ESG AW MSCI EAFE</titleOfClass><cusip>46435G516</cusip><value>3398177</value><shrsOrPrnAmt><sshPrnamt>32976</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>32976</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>ESG AWR US AGRGT</titleOfClass><cusip>46435U549</cusip><value>3489363</value><shrsOrPrnAmt><sshPrnamt>77113</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>77113</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>BROAD USD HIGH</titleOfClass><cusip>46435U853</cusip><value>1898916</value><shrsOrPrnAmt><sshPrnamt>53161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>53161</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>478160104</cusip><value>3854350</value><shrsOrPrnAmt><sshPrnamt>14559</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>14559</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>46625H100</cusip><value>3457174</value><shrsOrPrnAmt><sshPrnamt>10450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>10450</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>548661107</cusip><value>248976</value><shrsOrPrnAmt><sshPrnamt>1351</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1351</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MCKESSON CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>58155Q103</cusip><value>1844230</value><shrsOrPrnAmt><sshPrnamt>2160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2160</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>58933Y105</cusip><value>1239066</value><shrsOrPrnAmt><sshPrnamt>8527</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8527</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>META PLATFORMS INC</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>30303M102</cusip><value>1014527</value><shrsOrPrnAmt><sshPrnamt>1399</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1399</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>594918104</cusip><value>3140108</value><shrsOrPrnAmt><sshPrnamt>6122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6122</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COM NEW</titleOfClass><cusip>617446448</cusip><value>338544</value><shrsOrPrnAmt><sshPrnamt>1800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1800</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NETFLIX INC.</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>64110L106</cusip><value>745898</value><shrsOrPrnAmt><sshPrnamt>10720</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>10720</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>65339F101</cusip><value>471254</value><shrsOrPrnAmt><sshPrnamt>6222</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6222</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>666807102</cusip><value>203545</value><shrsOrPrnAmt><sshPrnamt>421</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>421</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NUSHARES ETF TR</nameOfIssuer><titleOfClass>NUVEEN ESG MIDCP</titleOfClass><cusip>67092P409</cusip><value>528720</value><shrsOrPrnAmt><sshPrnamt>11687</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>11687</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NUSHARES ETF TR</nameOfIssuer><titleOfClass>NUVEEN ESG MIDVL</titleOfClass><cusip>67092P508</cusip><value>694974</value><shrsOrPrnAmt><sshPrnamt>16418</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>16418</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NUSHARES ETF TR</nameOfIssuer><titleOfClass>NUVEEN ESG SMLCP</titleOfClass><cusip>67092P607</cusip><value>1105982</value><shrsOrPrnAmt><sshPrnamt>22792</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>22792</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>67066G104</cusip><value>37040274</value><shrsOrPrnAmt><sshPrnamt>162187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>162187</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ORACLE CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>68389X105</cusip><value>11596061</value><shrsOrPrnAmt><sshPrnamt>84458</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>84458</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>697435105</cusip><value>312286</value><shrsOrPrnAmt><sshPrnamt>786</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>786</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>717081103</cusip><value>1075518</value><shrsOrPrnAmt><sshPrnamt>37711</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>37711</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>744573106</cusip><value>1978584</value><shrsOrPrnAmt><sshPrnamt>29382</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>29382</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>776696106</cusip><value>1404628</value><shrsOrPrnAmt><sshPrnamt>4020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4020</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>GOVT MONE MA ETF</titleOfClass><cusip>808524581</cusip><value>292233</value><shrsOrPrnAmt><sshPrnamt>2900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2900</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SEMPRA</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>816851109</cusip><value>416841</value><shrsOrPrnAmt><sshPrnamt>5347</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5347</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer><titleOfClass>ST STR SP DIV</titleOfClass><cusip>78464A763</cusip><value>4306951</value><shrsOrPrnAmt><sshPrnamt>29403</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>29403</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STATE STR SPDR DOW JONES IND</nameOfIssuer><titleOfClass>UT SER 1</titleOfClass><cusip>78467X109</cusip><value>275634</value><shrsOrPrnAmt><sshPrnamt>542</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>542</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STATE STR SPDR S&amp;P 500 ETF T</nameOfIssuer><titleOfClass>TR UNIT</titleOfClass><cusip>78462F103</cusip><value>17029188</value><shrsOrPrnAmt><sshPrnamt>22330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>22330</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>STATE STR SPDR S&amp;P MIDCAP 40</nameOfIssuer><titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass><cusip>78467Y107</cusip><value>459697</value><shrsOrPrnAmt><sshPrnamt>700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>700</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>TARGET CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>87612E106</cusip><value>2456899</value><shrsOrPrnAmt><sshPrnamt>15680</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>15680</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>907818108</cusip><value>394861</value><shrsOrPrnAmt><sshPrnamt>1451</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1451</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>UNUM GROUP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>91529Y106</cusip><value>1776533</value><shrsOrPrnAmt><sshPrnamt>20250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>20250</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>91913Y100</cusip><value>2647376</value><shrsOrPrnAmt><sshPrnamt>6830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>6830</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANECK ETF TRUST</nameOfIssuer><titleOfClass>GREEN BOND ETF</titleOfClass><cusip>92189F171</cusip><value>973173</value><shrsOrPrnAmt><sshPrnamt>41911</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>41911</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer><titleOfClass>INTERMED TERM</titleOfClass><cusip>921937819</cusip><value>16372426</value><shrsOrPrnAmt><sshPrnamt>224711</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>224711</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer><titleOfClass>SHORT TRM BOND</titleOfClass><cusip>921937827</cusip><value>6093588</value><shrsOrPrnAmt><sshPrnamt>79759</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>79759</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer><titleOfClass>TOTAL INT BD ETF</titleOfClass><cusip>92203J407</cusip><value>4721061</value><shrsOrPrnAmt><sshPrnamt>100727</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>100727</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>S&amp;P 500 ETF SHS</titleOfClass><cusip>922908363</cusip><value>5712710</value><shrsOrPrnAmt><sshPrnamt>8151</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>8151</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>REAL ESTATE ETF</titleOfClass><cusip>922908553</cusip><value>5735155</value><shrsOrPrnAmt><sshPrnamt>63987</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>63987</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>MRNGSTR TTL STK</titleOfClass><cusip>922908769</cusip><value>1536898</value><shrsOrPrnAmt><sshPrnamt>4107</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>4107</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer><titleOfClass>TT WRLD ST ETF</titleOfClass><cusip>922042742</cusip><value>3992816</value><shrsOrPrnAmt><sshPrnamt>25295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>25295</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer><titleOfClass>FTSE EMR MKT ETF</titleOfClass><cusip>922042858</cusip><value>341863</value><shrsOrPrnAmt><sshPrnamt>5764</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>5764</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer><titleOfClass>TAX EXEMPT BD</titleOfClass><cusip>922907746</cusip><value>608576</value><shrsOrPrnAmt><sshPrnamt>12850</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>12850</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer><titleOfClass>INT-TERM CORP</titleOfClass><cusip>92206C870</cusip><value>916227</value><shrsOrPrnAmt><sshPrnamt>11700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>11700</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer><titleOfClass>INF TECH ETF</titleOfClass><cusip>92204A702</cusip><value>351876</value><shrsOrPrnAmt><sshPrnamt>2800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>2800</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>92343V104</cusip><value>2046857</value><shrsOrPrnAmt><sshPrnamt>44623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>44623</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>VISA INC</nameOfIssuer><titleOfClass>COM CL A</titleOfClass><cusip>92826C839</cusip><value>420416</value><shrsOrPrnAmt><sshPrnamt>1170</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1170</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>949746101</cusip><value>1090441</value><shrsOrPrnAmt><sshPrnamt>13622</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>13622</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WISDOMTREE TR</nameOfIssuer><titleOfClass>EMG MKTS SMCAP</titleOfClass><cusip>97717W281</cusip><value>10142475</value><shrsOrPrnAmt><sshPrnamt>160533</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>160533</None></votingAuthority></infoTable>
<infoTable><nameOfIssuer>WISDOMTREE TR</nameOfIssuer><titleOfClass>INTL SMCAP DIV</titleOfClass><cusip>97717W760</cusip><value>6247251</value><shrsOrPrnAmt><sshPrnamt>71651</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>71651</None></votingAuthority></infoTable>
</informationTable>
