<SEC-DOCUMENT>0001540141-15-000006.txt : 20150504
<SEC-HEADER>0001540141-15-000006.hdr.sgml : 20150504
<ACCEPTANCE-DATETIME>20150501193601
ACCESSION NUMBER:		0001540141-15-000006
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20150331
FILED AS OF DATE:		20150504
DATE AS OF CHANGE:		20150501
EFFECTIVENESS DATE:		20150504

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			RAND WEALTH, LLC
		CENTRAL INDEX KEY:			0001540141
		IRS NUMBER:				451863482
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-14636
		FILM NUMBER:		15826018

	BUSINESS ADDRESS:	
		STREET 1:		650 CALIFORNIA STREET
		STREET 2:		24TH FLOOR
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94108
		BUSINESS PHONE:		415-500-6700

	MAIL ADDRESS:	
		STREET 1:		650 CALIFORNIA STREET
		STREET 2:		24TH FLOOR
		CITY:			SAN FRANCISCO
		STATE:			CA
		ZIP:			94108

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RAND WEALTH ,LLC
		DATE OF NAME CHANGE:	20120806

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	RAND & ASSOCIATES,LLC
		DATE OF NAME CHANGE:	20120120
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
        <credentials>
          <cik>0001540141</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2015</periodOfReport>
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  <formData>
    <coverPage>
      <reportCalendarOrQuarter>03-31-2015</reportCalendarOrQuarter>
      <filingManager>
        <name>RAND WEALTH, LLC</name>
        <address>
          <com:street1>650 CALIFORNIA STREET</com:street1>
          <com:street2>24TH FLOOR</com:street2>
          <com:city>SAN FRANCISCO</com:city>
          <com:stateOrCountry>CA</com:stateOrCountry>
          <com:zipCode>94108</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-14636</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Andrew Rand</name>
      <title>Chief Compliance Officer</title>
      <phone>415-500-6700</phone>
      <signature>/s/ Andrew Rand</signature>
      <city>San Francisco</city>
      <stateOrCountry>CA</stateOrCountry>
      <signatureDate>05-01-2015</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>212</tableEntryTotal>
      <tableValueTotal>744918</tableValueTotal>
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  <infoTable>
    <nameOfIssuer>KRAFT FOODS GROUP</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>50076Q106</cusip>
    <value>878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>609207105</cusip>
    <value>1023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28346</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>3940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>39202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>3798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64935</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SIEMENS A G SPON ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>826197501</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL SA ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>89151E109</cusip>
    <value>3894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78416</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>302130109</cusip>
    <value>846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>17051</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR CREDIT BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED NAT FOODS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>911163103</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>384802104</cusip>
    <value>1238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>3349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57201</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCGRAW HILL FINL INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>580645109</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BIOTECH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A870</cusip>
    <value>3890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI EMERGING MKTS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>1867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38630</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>921937835</cusip>
    <value>2142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>24172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>496046</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APTARGROUP INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>038336103</cusip>
    <value>368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>171340102</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC DEL COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>469814107</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER HLDGS INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>98956P102</cusip>
    <value>3039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>92343E102</cusip>
    <value>1233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>863667101</cusip>
    <value>1814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>19267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>747525103</cusip>
    <value>2750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39661</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>311900104</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL, INC.</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>46120E602</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>545</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HAIN CELESTIAL GROUPINC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>405217100</cusip>
    <value>608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>580135101</cusip>
    <value>3405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>74834L100</cusip>
    <value>1429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>17275R102</cusip>
    <value>4356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>158267</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL MIDCAP INDEX FD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APACHE CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>037411105</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5507</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>00206R102</cusip>
    <value>6092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>186077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE MIDCAP DIVIDEND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W505</cusip>
    <value>1588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FINANCIALS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>18542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>376260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>376260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECHNOLOGY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>369604103</cusip>
    <value>13186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>531462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>7200</Sole>
      <Shared>0</Shared>
      <None>524261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>12492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>0</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>137864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ US TECHNOLOGY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>NUVEEN CA DIVIDEND ADV MUN FD COM</nameOfIssuer>
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    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
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</SEC-DOCUMENT>