<SEC-DOCUMENT>0001172036-21-000001.txt : 20210129
<SEC-HEADER>0001172036-21-000001.hdr.sgml : 20210129
<ACCEPTANCE-DATETIME>20210128201139
ACCESSION NUMBER: 0001172036-21-000001
CONFORMED SUBMISSION TYPE: 13F-HR
PUBLIC DOCUMENT COUNT: 2
CONFORMED PERIOD OF REPORT: 20201231
FILED AS OF DATE: 20210129
DATE AS OF CHANGE: 20210128
EFFECTIVENESS DATE: 20210129
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: SONATA CAPITAL GROUP INC
CENTRAL INDEX KEY: 0001172036
IRS NUMBER: 912035283
STATE OF INCORPORATION: WA
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 13F-HR
SEC ACT: 1934 Act
SEC FILE NUMBER: 028-10198
FILM NUMBER: 21567452
BUSINESS ADDRESS:
STREET 1: 2001 6TH AVE
STREET 2: SUITE 3410
CITY: SEATTLE
STATE: WA
ZIP: 98121
BUSINESS PHONE: 2062564400
MAIL ADDRESS:
STREET 1: 2001 6TH AVENUE
STREET 2: SUITE 3410
CITY: SEATTLE
STATE: WA
ZIP: 98121
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common">
<headerData>
<submissionType>13F-HR</submissionType>
<filerInfo>
<liveTestFlag>LIVE</liveTestFlag>
<flags>
<confirmingCopyFlag>false</confirmingCopyFlag>
<returnCopyFlag>true</returnCopyFlag>
<overrideInternetFlag>false</overrideInternetFlag>
</flags>
<filer>
<credentials>
<cik>0001172036</cik>
<ccc>XXXXXXXX</ccc>
</credentials>
</filer>
<periodOfReport>12-31-2020</periodOfReport>
</filerInfo>
</headerData>
<formData>
<coverPage>
<reportCalendarOrQuarter>12-31-2020</reportCalendarOrQuarter>
<filingManager>
<name>SONATA CAPITAL GROUP INC</name>
<address>
<com:street1>2001 6TH AVENUE</com:street1>
<com:street2>SUITE 3410</com:street2>
<com:city>SEATTLE</com:city>
<com:stateOrCountry>WA</com:stateOrCountry>
<com:zipCode>98121</com:zipCode>
</address>
</filingManager>
<reportType>13F HOLDINGS REPORT</reportType>
<form13FFileNumber>028-10198</form13FFileNumber>
<provideInfoForInstruction5>N</provideInfoForInstruction5>
</coverPage>
<signatureBlock>
<name>Shana A Moffatt</name>
<title>Portfolio Manager</title>
<phone>206-256-4400</phone>
<signature>Shana A Moffatt</signature>
<city>Seattle</city>
<stateOrCountry>WA</stateOrCountry>
<signatureDate>01-28-2021</signatureDate>
</signatureBlock>
<summaryPage>
<otherIncludedManagersCount>0</otherIncludedManagersCount>
<tableEntryTotal>125</tableEntryTotal>
<tableValueTotal>202289</tableValueTotal>
<isConfidentialOmitted>false</isConfidentialOmitted>
</summaryPage>
</formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>13f123120.xml
<DESCRIPTION>4TH QUARTER 2020 FORM 13F
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<infoTable>
<nameOfIssuer>A T & T INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00206r102</cusip>
<value>412</value>
<shrsOrPrnAmt>
<sshPrnamt>14309</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>14309</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ABBVIE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00287y109</cusip>
<value>366</value>
<shrsOrPrnAmt>
<sshPrnamt>3420</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3420</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ADOMANI INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>00726a100</cusip>
<value>4</value>
<shrsOrPrnAmt>
<sshPrnamt>10000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>10000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ALIBABA GROUP HLDG LTD F SPONS</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>01609w102</cusip>
<value>771</value>
<shrsOrPrnAmt>
<sshPrnamt>3314</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3314</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ALPHABET INC. CLASS A</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>02079k305</cusip>
<value>277</value>
<shrsOrPrnAmt>
<sshPrnamt>158</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>158</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ALPHABET INC. CLASS C</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>02079k107</cusip>
<value>319</value>
<shrsOrPrnAmt>
<sshPrnamt>182</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>182</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>023135106</cusip>
<value>9178</value>
<shrsOrPrnAmt>
<sshPrnamt>2818</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2818</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>AMGEN INC.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>031162100</cusip>
<value>210</value>
<shrsOrPrnAmt>
<sshPrnamt>912</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>912</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>APPLE INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>037833100</cusip>
<value>6345</value>
<shrsOrPrnAmt>
<sshPrnamt>47816</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>47816</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>060505104</cusip>
<value>323</value>
<shrsOrPrnAmt>
<sshPrnamt>10644</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>10644</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BERKSHIRE HATHAWAY CLASS B</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>084670702</cusip>
<value>2060</value>
<shrsOrPrnAmt>
<sshPrnamt>8885</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>8885</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>BOEING CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>097023105</cusip>
<value>943</value>
<shrsOrPrnAmt>
<sshPrnamt>4403</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4403</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CASCADERO COPPER CO F</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>14738x107</cusip>
<value>0</value>
<shrsOrPrnAmt>
<sshPrnamt>20000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>20000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CHEVRON CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>166764100</cusip>
<value>276</value>
<shrsOrPrnAmt>
<sshPrnamt>3268</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3268</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>17275r102</cusip>
<value>299</value>
<shrsOrPrnAmt>
<sshPrnamt>6673</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6673</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>172967424</cusip>
<value>306</value>
<shrsOrPrnAmt>
<sshPrnamt>4970</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4970</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>CLOROX CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>189054109</cusip>
<value>430</value>
<shrsOrPrnAmt>
<sshPrnamt>2131</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2131</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>COSTCO WHOLESALE CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>22160k105</cusip>
<value>1727</value>
<shrsOrPrnAmt>
<sshPrnamt>4583</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4583</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DOVER CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>260003108</cusip>
<value>269</value>
<shrsOrPrnAmt>
<sshPrnamt>2133</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2133</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>EATON CORP PLC F</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>g29183103</cusip>
<value>220</value>
<shrsOrPrnAmt>
<sshPrnamt>1835</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1835</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>438516106</cusip>
<value>213</value>
<shrsOrPrnAmt>
<sshPrnamt>1000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>INTEL CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>458140100</cusip>
<value>293</value>
<shrsOrPrnAmt>
<sshPrnamt>5876</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5876</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JOHNSON & JOHNSON</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>478160104</cusip>
<value>730</value>
<shrsOrPrnAmt>
<sshPrnamt>4637</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4637</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMORGAN CHASE & CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46625h100</cusip>
<value>1596</value>
<shrsOrPrnAmt>
<sshPrnamt>12559</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12559</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>KANSAS CITY SOUTHERN</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>485170302</cusip>
<value>357</value>
<shrsOrPrnAmt>
<sshPrnamt>1750</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1750</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>580135101</cusip>
<value>466</value>
<shrsOrPrnAmt>
<sshPrnamt>2174</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2174</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MERCK & CO. INC.</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>58933y105</cusip>
<value>1015</value>
<shrsOrPrnAmt>
<sshPrnamt>12412</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12412</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>594918104</cusip>
<value>7282</value>
<shrsOrPrnAmt>
<sshPrnamt>32739</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>32739</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>NETFLIX INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>64110l106</cusip>
<value>210</value>
<shrsOrPrnAmt>
<sshPrnamt>388</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>388</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ORACLE CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>68389x105</cusip>
<value>259</value>
<shrsOrPrnAmt>
<sshPrnamt>4000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PFIZER INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>717081103</cusip>
<value>393</value>
<shrsOrPrnAmt>
<sshPrnamt>10677</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>10677</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PROCTER & GAMBLE</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>742718109</cusip>
<value>393</value>
<shrsOrPrnAmt>
<sshPrnamt>2821</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2821</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SALESFORCE COM</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>79466l302</cusip>
<value>731</value>
<shrsOrPrnAmt>
<sshPrnamt>3285</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3285</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>855244109</cusip>
<value>704</value>
<shrsOrPrnAmt>
<sshPrnamt>6585</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6585</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TESLA INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>88160r101</cusip>
<value>849</value>
<shrsOrPrnAmt>
<sshPrnamt>1203</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1203</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UNITEDHEALTH GRP INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>91324p102</cusip>
<value>338</value>
<shrsOrPrnAmt>
<sshPrnamt>965</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>965</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VERIZON COMMUNICATN</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92343v104</cusip>
<value>702</value>
<shrsOrPrnAmt>
<sshPrnamt>11943</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>11943</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>254687106</cusip>
<value>1009</value>
<shrsOrPrnAmt>
<sshPrnamt>5570</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5570</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ZOETIS INC CLASS A</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>98978v103</cusip>
<value>482</value>
<shrsOrPrnAmt>
<sshPrnamt>2911</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2911</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>DEFIANCE NEXT GEN CONNECTIVITY</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>26922a289</cusip>
<value>364</value>
<shrsOrPrnAmt>
<sshPrnamt>10825</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>10825</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>GLOBAL X CLOUD COMPUTING ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>37954y442</cusip>
<value>600</value>
<shrsOrPrnAmt>
<sshPrnamt>21495</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>21495</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>GLOBAL X FINTECH ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>37954y814</cusip>
<value>371</value>
<shrsOrPrnAmt>
<sshPrnamt>7950</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7950</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>INVESCO QQQ TRUST</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46090e103</cusip>
<value>1193</value>
<shrsOrPrnAmt>
<sshPrnamt>3801</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3801</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES COHEN AND STEERS REIT</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287564</cusip>
<value>798</value>
<shrsOrPrnAmt>
<sshPrnamt>14817</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>14817</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES CORE S&P 500 ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287200</cusip>
<value>2450</value>
<shrsOrPrnAmt>
<sshPrnamt>6527</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6527</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES CORE S&P MID CAP ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287507</cusip>
<value>3737</value>
<shrsOrPrnAmt>
<sshPrnamt>16259</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>16259</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES CORE S&P SMALL CAP ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287804</cusip>
<value>695</value>
<shrsOrPrnAmt>
<sshPrnamt>7558</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7558</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES DOW JONES US ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287846</cusip>
<value>840</value>
<shrsOrPrnAmt>
<sshPrnamt>8910</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>8910</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI CHINA ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46429b671</cusip>
<value>202</value>
<shrsOrPrnAmt>
<sshPrnamt>2500</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2500</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287465</cusip>
<value>378</value>
<shrsOrPrnAmt>
<sshPrnamt>5187</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5187</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI EMERGING MARKETS</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287234</cusip>
<value>1131</value>
<shrsOrPrnAmt>
<sshPrnamt>21883</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>21883</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES MSCI USA ESG SELECT ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288802</cusip>
<value>300</value>
<shrsOrPrnAmt>
<sshPrnamt>3648</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3648</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES PREFERRED INCOME SEC E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288687</cusip>
<value>2035</value>
<shrsOrPrnAmt>
<sshPrnamt>52847</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>52847</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287614</cusip>
<value>11529</value>
<shrsOrPrnAmt>
<sshPrnamt>47812</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>47812</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287598</cusip>
<value>7329</value>
<shrsOrPrnAmt>
<sshPrnamt>53604</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>53604</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287648</cusip>
<value>1393</value>
<shrsOrPrnAmt>
<sshPrnamt>4857</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4857</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287630</cusip>
<value>8791</value>
<shrsOrPrnAmt>
<sshPrnamt>66724</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>66724</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL 3000 ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287689</cusip>
<value>1582</value>
<shrsOrPrnAmt>
<sshPrnamt>7075</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7075</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL MID CAP ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287499</cusip>
<value>8419</value>
<shrsOrPrnAmt>
<sshPrnamt>122816</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>122816</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES RUSSELL MID CAP VALUE</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287473</cusip>
<value>1221</value>
<shrsOrPrnAmt>
<sshPrnamt>12591</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12591</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES S&P 500 GROWTH ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287309</cusip>
<value>6439</value>
<shrsOrPrnAmt>
<sshPrnamt>100891</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>100891</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES S&P 500 VALUE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287408</cusip>
<value>2082</value>
<shrsOrPrnAmt>
<sshPrnamt>16263</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>16263</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES S&P MID CAP 400 VALUE</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287705</cusip>
<value>2062</value>
<shrsOrPrnAmt>
<sshPrnamt>23890</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>23890</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES S&P SMALL CAP 600 ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287879</cusip>
<value>6103</value>
<shrsOrPrnAmt>
<sshPrnamt>75061</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>75061</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES S&P SMLL CAP 600 GRTH</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287887</cusip>
<value>4400</value>
<shrsOrPrnAmt>
<sshPrnamt>38534</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>38534</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287168</cusip>
<value>2698</value>
<shrsOrPrnAmt>
<sshPrnamt>28047</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>28047</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES US CONSUMER SERVICES E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287580</cusip>
<value>867</value>
<shrsOrPrnAmt>
<sshPrnamt>12296</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12296</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES US HEALTHCARE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287762</cusip>
<value>234</value>
<shrsOrPrnAmt>
<sshPrnamt>950</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>950</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES US INDUSTRIALS ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287754</cusip>
<value>233</value>
<shrsOrPrnAmt>
<sshPrnamt>2400</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2400</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES US REAL ESTATE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287739</cusip>
<value>278</value>
<shrsOrPrnAmt>
<sshPrnamt>3242</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3242</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES US TECHNOLOGY ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287721</cusip>
<value>1019</value>
<shrsOrPrnAmt>
<sshPrnamt>11980</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>11980</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMORGAN DIVRSIFD RTRN US EQY</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46641q407</cusip>
<value>1495</value>
<shrsOrPrnAmt>
<sshPrnamt>17869</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>17869</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMRG DVSFD RETN EMRG MRKS EQY</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46641q308</cusip>
<value>2779</value>
<shrsOrPrnAmt>
<sshPrnamt>50656</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>50656</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR DOW JONES INDUSTRIAL AVER</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>252787106</cusip>
<value>308</value>
<shrsOrPrnAmt>
<sshPrnamt>1006</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1006</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR GOLD SHARES ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>78463v107</cusip>
<value>293</value>
<shrsOrPrnAmt>
<sshPrnamt>1640</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1640</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&P 500 ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>78462f103</cusip>
<value>1327</value>
<shrsOrPrnAmt>
<sshPrnamt>3549</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3549</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&P 500 GROWTH ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>78464a409</cusip>
<value>264</value>
<shrsOrPrnAmt>
<sshPrnamt>4770</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4770</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&P BIOTECH ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>78464a870</cusip>
<value>296</value>
<shrsOrPrnAmt>
<sshPrnamt>2100</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2100</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&P MIDCAP 400 ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>78467y107</cusip>
<value>4254</value>
<shrsOrPrnAmt>
<sshPrnamt>10131</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>10131</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>81369y803</cusip>
<value>1634</value>
<shrsOrPrnAmt>
<sshPrnamt>12565</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12565</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD CONSUMER DISCRETIONAR</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92204a108</cusip>
<value>241</value>
<shrsOrPrnAmt>
<sshPrnamt>875</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>875</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD CONSUMER STAPLES ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92204a207</cusip>
<value>387</value>
<shrsOrPrnAmt>
<sshPrnamt>2225</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2225</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD DIVIDEND APPRECIATION</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>921908844</cusip>
<value>1895</value>
<shrsOrPrnAmt>
<sshPrnamt>13423</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>13423</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922042874</cusip>
<value>679</value>
<shrsOrPrnAmt>
<sshPrnamt>11277</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>11277</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922908736</cusip>
<value>205</value>
<shrsOrPrnAmt>
<sshPrnamt>811</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>811</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92204a504</cusip>
<value>524</value>
<shrsOrPrnAmt>
<sshPrnamt>2340</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2340</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD HIGH DIVIDEND YIELD E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>921946406</cusip>
<value>6767</value>
<shrsOrPrnAmt>
<sshPrnamt>73951</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>73951</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INDUSTRIALS ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92204a603</cusip>
<value>420</value>
<shrsOrPrnAmt>
<sshPrnamt>2470</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2470</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INFORMATION TECHNOLOG</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92204a702</cusip>
<value>608</value>
<shrsOrPrnAmt>
<sshPrnamt>1719</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1719</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922908629</cusip>
<value>831</value>
<shrsOrPrnAmt>
<sshPrnamt>4020</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4020</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD MID CAP VALUE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922908512</cusip>
<value>321</value>
<shrsOrPrnAmt>
<sshPrnamt>2700</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2700</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92206c680</cusip>
<value>274</value>
<shrsOrPrnAmt>
<sshPrnamt>1105</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1105</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD RUSSELL 1000 VALUE ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92206c714</cusip>
<value>273</value>
<shrsOrPrnAmt>
<sshPrnamt>2275</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2275</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922908611</cusip>
<value>859</value>
<shrsOrPrnAmt>
<sshPrnamt>6041</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6041</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922908769</cusip>
<value>7805</value>
<shrsOrPrnAmt>
<sshPrnamt>40101</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>40101</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>WISDOMTREE US TOTAL DIVIDEND E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>97717w109</cusip>
<value>1187</value>
<shrsOrPrnAmt>
<sshPrnamt>11320</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>11320</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHAR IBND DEC 2021 TRM MUN BN</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46435g789</cusip>
<value>1494</value>
<shrsOrPrnAmt>
<sshPrnamt>57973</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>57973</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES 20 PLS YEAR TREASURY B</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287432</cusip>
<value>237</value>
<shrsOrPrnAmt>
<sshPrnamt>1500</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>1500</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES BRD USD INV GRD CORP B</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288620</cusip>
<value>422</value>
<shrsOrPrnAmt>
<sshPrnamt>6810</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>6810</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES CALIFORNIA MUNI BOND E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288356</cusip>
<value>291</value>
<shrsOrPrnAmt>
<sshPrnamt>4631</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4631</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES CORE US AGGREGATE BOND</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287226</cusip>
<value>688</value>
<shrsOrPrnAmt>
<sshPrnamt>5821</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5821</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBONDS DEC 2021 TERM E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46434vbk5</cusip>
<value>2597</value>
<shrsOrPrnAmt>
<sshPrnamt>104253</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>104253</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBONDS DEC 2022 TERM E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46434vba7</cusip>
<value>4348</value>
<shrsOrPrnAmt>
<sshPrnamt>170029</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>170029</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBONDS DEC 2023 MUNI B</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46435g318</cusip>
<value>2255</value>
<shrsOrPrnAmt>
<sshPrnamt>86125</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>86125</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBONDS DEC 2023 TERM E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46434vax8</cusip>
<value>4072</value>
<shrsOrPrnAmt>
<sshPrnamt>154995</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>154995</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBONDS DEC 2024 TRM ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46434vbg4</cusip>
<value>2125</value>
<shrsOrPrnAmt>
<sshPrnamt>79935</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>79935</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBOXX HIGH YIELD BOND</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288513</cusip>
<value>864</value>
<shrsOrPrnAmt>
<sshPrnamt>9896</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>9896</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES IBOXX INVT GRADE BOND</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287242</cusip>
<value>2278</value>
<shrsOrPrnAmt>
<sshPrnamt>16494</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>16494</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288414</cusip>
<value>3699</value>
<shrsOrPrnAmt>
<sshPrnamt>31560</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>31560</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES SHORT TERM NTNL MUN BN</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288158</cusip>
<value>625</value>
<shrsOrPrnAmt>
<sshPrnamt>5785</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>5785</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464287176</cusip>
<value>1565</value>
<shrsOrPrnAmt>
<sshPrnamt>12260</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12260</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARES TRT IS 5 10 INV GR CR</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>464288638</cusip>
<value>439</value>
<shrsOrPrnAmt>
<sshPrnamt>7100</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7100</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHARS IBND DEC 2024 TRM MUNI</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46435u697</cusip>
<value>1631</value>
<shrsOrPrnAmt>
<sshPrnamt>60223</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>60223</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHR IBND DEC 2025 TRM ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46434vbd1</cusip>
<value>338</value>
<shrsOrPrnAmt>
<sshPrnamt>12337</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12337</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ISHRS IBND DEC 2022 TRM MUN BN</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46435g755</cusip>
<value>2723</value>
<shrsOrPrnAmt>
<sshPrnamt>103303</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>103303</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMORGAN ULTRA SHORT INCOME ET</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46641q837</cusip>
<value>211</value>
<shrsOrPrnAmt>
<sshPrnamt>4145</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>4145</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMORGAN ULTRA SHRT MUNCIPL IN</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>46641q654</cusip>
<value>448</value>
<shrsOrPrnAmt>
<sshPrnamt>8785</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>8785</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PIMCO ACTIVE BOND ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>72201r775</cusip>
<value>317</value>
<shrsOrPrnAmt>
<sshPrnamt>2800</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>2800</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR BLMBERG BRCLY CONV SECRT</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>78464a359</cusip>
<value>1021</value>
<shrsOrPrnAmt>
<sshPrnamt>12335</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>12335</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INTERMEDIATE TERM BON</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>921937819</cusip>
<value>882</value>
<shrsOrPrnAmt>
<sshPrnamt>9495</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>9495</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD INTERMEDIATE TERM COR</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92206c870</cusip>
<value>737</value>
<shrsOrPrnAmt>
<sshPrnamt>7584</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>7584</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD MUNI BND TAX EXEMPT E</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>922907746</cusip>
<value>1910</value>
<shrsOrPrnAmt>
<sshPrnamt>34600</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>34600</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SHORT TERM COR BD ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>92206c409</cusip>
<value>2040</value>
<shrsOrPrnAmt>
<sshPrnamt>24500</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>24500</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD SHORT-TERM BOND ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>921937827</cusip>
<value>264</value>
<shrsOrPrnAmt>
<sshPrnamt>3190</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>3190</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
<titleOfClass>ETF</titleOfClass>
<cusip>921937835</cusip>
<value>1317</value>
<shrsOrPrnAmt>
<sshPrnamt>14932</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>SOLE</investmentDiscretion>
<votingAuthority>
<Sole>14932</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>