<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> <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>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001540141</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>03-31-2015</periodOfReport> </filerInfo> </headerData> <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> <isConfidentialOmitted>false</isConfidentialOmitted> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>rand-13f.inftab.xml <TEXT> <XML> <?xml version="1.0" encoding="utf-8"?> <informationTable xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable"> <infoTable> <nameOfIssuer>STERICYCLE INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>858912108</cusip> <value>918</value> <shrsOrPrnAmt> <sshPrnamt>6538</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6538</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PLUM CREEK TIMBER COINC</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>729251108</cusip> <value>264</value> <shrsOrPrnAmt> <sshPrnamt>6085</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6085</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MONSANTO CO </nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>61166W101</cusip> <value>2519</value> <shrsOrPrnAmt> <sshPrnamt>22383</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>22382</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ANTHEM INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>036752103</cusip> <value>1156</value> <shrsOrPrnAmt> <sshPrnamt>7485</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7485</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JOHNSON & JOHNSON COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>478160104</cusip> <value>14290</value> <shrsOrPrnAmt> <sshPrnamt>142051</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6700</Sole> <Shared>0</Shared> <None>135350</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD TOTAL STK MKT</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908769</cusip> <value>525</value> <shrsOrPrnAmt> <sshPrnamt>4899</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4898</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD ENERGY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A306</cusip> <value>10052</value> <shrsOrPrnAmt> <sshPrnamt>91988</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>91987</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>22160K105</cusip> <value>4426</value> <shrsOrPrnAmt> <sshPrnamt>29216</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>250</Sole> <Shared>0</Shared> <None>28965</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI EMERGING MARKETS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287234</cusip> <value>213</value> <shrsOrPrnAmt> <sshPrnamt>5308</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5308</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ROYAL DUTCH SHELL PLC-ADR</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>780259206</cusip> <value>1416</value> <shrsOrPrnAmt> <sshPrnamt>23739</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>23739</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>YUM BRANDS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>988498101</cusip> <value>6032</value> <shrsOrPrnAmt> <sshPrnamt>76627</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>800</Sole> <Shared>0</Shared> <None>75827</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES U.S. INDUSTRIALS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287754</cusip> <value>349</value> <shrsOrPrnAmt> <sshPrnamt>3240</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3240</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROCTER & GAMBLE CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>742718109</cusip> <value>10946</value> <shrsOrPrnAmt> <sshPrnamt>133586</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>6400</Sole> <Shared>0</Shared> <None>127186</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COCA COLA CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>191216100</cusip> <value>1585</value> <shrsOrPrnAmt> <sshPrnamt>39081</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>39080</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR DOW JONES U S HEALTHCARE</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287762</cusip> <value>345</value> <shrsOrPrnAmt> <sshPrnamt>2233</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2233</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL MLS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>370334104</cusip> <value>3579</value> <shrsOrPrnAmt> <sshPrnamt>63239</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>63239</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STAPLES INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>855030102</cusip> <value>1243</value> <shrsOrPrnAmt> <sshPrnamt>76299</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>76299</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD REIT INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908553</cusip> <value>4530</value> <shrsOrPrnAmt> <sshPrnamt>53725</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>53724</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INTEL CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>458140100</cusip> <value>9598</value> <shrsOrPrnAmt> <sshPrnamt>306951</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>306951</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>G5960L103</cusip> <value>572</value> <shrsOrPrnAmt> <sshPrnamt>7336</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7336</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CLOROX CO DEL COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>189054109</cusip> <value>3553</value> <shrsOrPrnAmt> <sshPrnamt>32189</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>32188</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PAYCHEX INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>704326107</cusip> <value>254</value> <shrsOrPrnAmt> <sshPrnamt>5115</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5115</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ADVANCE AUTO PARTS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>00751Y106</cusip> <value>2120</value> <shrsOrPrnAmt> <sshPrnamt>14165</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14165</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P EMERGING MARKETS SMALL CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78463X756</cusip> <value>372</value> <shrsOrPrnAmt> <sshPrnamt>8323</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8323</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TRS&P SHORT TERM NATL MUNICIPAL BD FD</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288158</cusip> <value>1154</value> <shrsOrPrnAmt> <sshPrnamt>10904</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10904</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78462F103</cusip> <value>421</value> <shrsOrPrnAmt> <sshPrnamt>2039</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2039</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MCKESSON CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>58155Q103</cusip> <value>4842</value> <shrsOrPrnAmt> <sshPrnamt>21408</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21408</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ILLINOIS TOOL WKS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>452308109</cusip> <value>1998</value> <shrsOrPrnAmt> <sshPrnamt>20569</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>500</Sole> <Shared>0</Shared> <None>20069</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>291011104</cusip> <value>2483</value> <shrsOrPrnAmt> <sshPrnamt>43850</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1200</Sole> <Shared>0</Shared> <None>42650</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALLSTATE CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>020002101</cusip> <value>1192</value> <shrsOrPrnAmt> <sshPrnamt>16746</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16746</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DU PONT E I DE NEMOURS & CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>263534109</cusip> <value>5378</value> <shrsOrPrnAmt> <sshPrnamt>75246</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>75245</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LEGGETT & PLATT INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>524660107</cusip> <value>2047</value> <shrsOrPrnAmt> <sshPrnamt>44415</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>44414</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COGNIZANT TECH SOLUTIONS CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>192446102</cusip> <value>1980</value> <shrsOrPrnAmt> <sshPrnamt>31730</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>31730</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CORNING INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>219350105</cusip> <value>1363</value> <shrsOrPrnAmt> <sshPrnamt>60117</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>650</Sole> <Shared>0</Shared> <None>59467</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BANK NEW YORK MELLON CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>064058100</cusip> <value>2533</value> <shrsOrPrnAmt> <sshPrnamt>62946</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>62946</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>92343V104</cusip> <value>5104</value> <shrsOrPrnAmt> <sshPrnamt>104951</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>104950</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922042718</cusip> <value>6875</value> <shrsOrPrnAmt> <sshPrnamt>69259</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>69259</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FEDEX CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>31428X106</cusip> <value>3644</value> <shrsOrPrnAmt> <sshPrnamt>22024</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>400</Sole> <Shared>0</Shared> <None>21624</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SHERWIN WILLIAMS CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>824348106</cusip> <value>1038</value> <shrsOrPrnAmt> <sshPrnamt>3650</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3650</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PEPSICO INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>713448108</cusip> <value>5574</value> <shrsOrPrnAmt> <sshPrnamt>58292</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>200</Sole> <Shared>0</Shared> <None>58092</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR S&P CALIF MUN BD FD</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288356</cusip> <value>303</value> <shrsOrPrnAmt> <sshPrnamt>2566</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2566</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>494368103</cusip> <value>1005</value> <shrsOrPrnAmt> <sshPrnamt>9380</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9379</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL B</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>084670702</cusip> <value>6387</value> <shrsOrPrnAmt> <sshPrnamt>44253</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>44253</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INGERSOLL-RAND PLC SHS</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>G47791101</cusip> <value>1379</value> <shrsOrPrnAmt> <sshPrnamt>20250</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>20250</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>US BANCORP DEL COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>902973304</cusip> <value>2430</value> <shrsOrPrnAmt> <sshPrnamt>55639</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>55639</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>055622104</cusip> <value>447</value> <shrsOrPrnAmt> <sshPrnamt>11429</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>150</Sole> <Shared>0</Shared> <None>11279</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HOME DEPOT</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>437076102</cusip> <value>1865</value> <shrsOrPrnAmt> <sshPrnamt>16419</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>900</Sole> <Shared>0</Shared> <None>15519</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BAXTER INTL INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>071813109</cusip> <value>377</value> <shrsOrPrnAmt> <sshPrnamt>5500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5500</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AUTOMATIC DATA PROCESSING INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>053015103</cusip> <value>5759</value> <shrsOrPrnAmt> <sshPrnamt>67248</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>950</Sole> <Shared>0</Shared> <None>66297</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BECTON DICKINSON & CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>075887109</cusip> <value>2490</value> <shrsOrPrnAmt> <sshPrnamt>17343</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>950</Sole> <Shared>0</Shared> <None>16393</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287614</cusip> <value>442</value> <shrsOrPrnAmt> <sshPrnamt>4472</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4472</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES US REAL ESTATE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287739</cusip> <value>732</value> <shrsOrPrnAmt> <sshPrnamt>9234</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9233</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR BARCLAYS CAPITAL SHORT TERM CORP BD</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78464A474</cusip> <value>23704</value> <shrsOrPrnAmt> <sshPrnamt>770877</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>770877</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CORE S&P SMALLCAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287804</cusip> <value>1111</value> <shrsOrPrnAmt> <sshPrnamt>9412</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9412</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GOOGLE INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>38259P508</cusip> <value>1277</value> <shrsOrPrnAmt> <sshPrnamt>2303</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2303</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INTUIT INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>461202103</cusip> <value>698</value> <shrsOrPrnAmt> <sshPrnamt>7200</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7200</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>20030N101</cusip> <value>4486</value> <shrsOrPrnAmt> <sshPrnamt>79432</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>79431</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MICROSOFT</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>594918104</cusip> <value>3759</value> <shrsOrPrnAmt> <sshPrnamt>92455</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>92455</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HEALTH CARE PPTY INVS INC</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>40414L109</cusip> <value>4046</value> <shrsOrPrnAmt> <sshPrnamt>93646</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>93646</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHLUMBERGER LTD COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>806857108</cusip> <value>706</value> <shrsOrPrnAmt> <sshPrnamt>8460</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8459</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CVS CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>126650100</cusip> <value>3613</value> <shrsOrPrnAmt> <sshPrnamt>35008</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>35008</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SIMON PPTY GROUP INC NEW COM</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>828806109</cusip> <value>325</value> <shrsOrPrnAmt> <sshPrnamt>1661</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1661</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BOEING CO</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>097023105</cusip> <value>3650</value> <shrsOrPrnAmt> <sshPrnamt>24323</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>800</Sole> <Shared>0</Shared> <None>23523</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SMALL CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908751</cusip> <value>6785</value> <shrsOrPrnAmt> <sshPrnamt>55359</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>55358</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MID CAP </nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908629</cusip> <value>13274</value> <shrsOrPrnAmt> <sshPrnamt>100033</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>100032</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A504</cusip> <value>9101</value> <shrsOrPrnAmt> <sshPrnamt>67156</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>67156</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>81369Y605</cusip> <value>445</value> <shrsOrPrnAmt> <sshPrnamt>18441</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18441</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALPS TRUST ETF ALERIAN MLP</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>00162Q866</cusip> <value>15054</value> <shrsOrPrnAmt> <sshPrnamt>908515</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>908514</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD CONSUMER STAPLES ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A207</cusip> <value>8522</value> <shrsOrPrnAmt> <sshPrnamt>67105</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>67105</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDUSTRIALS</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A603</cusip> <value>9928</value> <shrsOrPrnAmt> <sshPrnamt>92482</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>92481</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INFORMATION TECHNOLOGY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A702</cusip> <value>18507</value> <shrsOrPrnAmt> <sshPrnamt>173743</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>173743</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>931427108</cusip> <value>9270</value> <shrsOrPrnAmt> <sshPrnamt>109474</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>700</Sole> <Shared>0</Shared> <None>108774</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEK GLOBAL SVCS INC COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>91324T302</cusip> <value>2</value> <shrsOrPrnAmt> <sshPrnamt>268304</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>268304</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WESTERN UN CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>959802109</cusip> <value>210</value> <shrsOrPrnAmt> <sshPrnamt>10100</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10100</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>37045V100</cusip> <value>2387</value> <shrsOrPrnAmt> <sshPrnamt>63661</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1200</Sole> <Shared>0</Shared> <None>62461</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI EAFE GROWTH INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288885</cusip> <value>403</value> <shrsOrPrnAmt> <sshPrnamt>5750</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5750</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LILLY ELI & CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>532457108</cusip> <value>610</value> <shrsOrPrnAmt> <sshPrnamt>8400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AIR PRODS & CHEMS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>009158106</cusip> <value>5790</value> <shrsOrPrnAmt> <sshPrnamt>38272</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>38272</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NATIONAL OILWELL VARCO INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>637071101</cusip> <value>2681</value> <shrsOrPrnAmt> <sshPrnamt>53634</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>53634</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR INDEX SHS FDS SPDR S&P EMERGING MKTS DIVIDEND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78463X533</cusip> <value>6878</value> <shrsOrPrnAmt> <sshPrnamt>206675</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>206674</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ANADARKO PETE CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>032511107</cusip> <value>1426</value> <shrsOrPrnAmt> <sshPrnamt>17219</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17219</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287655</cusip> <value>243</value> <shrsOrPrnAmt> <sshPrnamt>1956</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1956</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR HIGH DIVID EQUITY FD</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46429B663</cusip> <value>1011</value> <shrsOrPrnAmt> <sshPrnamt>13476</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13476</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES U.S. OIL EQUIPMENT & SERVICES ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288844</cusip> <value>1926</value> <shrsOrPrnAmt> <sshPrnamt>40978</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>40977</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AFLAC INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>001055102</cusip> <value>821</value> <shrsOrPrnAmt> <sshPrnamt>12832</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>550</Sole> <Shared>0</Shared> <None>12281</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FREEPORT MCMORAN COPPER </nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>35671D857</cusip> <value>2169</value> <shrsOrPrnAmt> <sshPrnamt>114455</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>114454</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SYSCO CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>871829107</cusip> <value>665</value> <shrsOrPrnAmt> <sshPrnamt>17622</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17622</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>169656105</cusip> <value>1996</value> <shrsOrPrnAmt> <sshPrnamt>3068</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3068</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI FLOATING RATE NOT E FUNDING ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46429B655</cusip> <value>10721</value> <shrsOrPrnAmt> <sshPrnamt>211711</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>211710</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES DJ SELECT DIVIDEND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287168</cusip> <value>918</value> <shrsOrPrnAmt> <sshPrnamt>11773</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11772</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AMERICAN ELEC PWR INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>025537101</cusip> <value>219</value> <shrsOrPrnAmt> <sshPrnamt>3900</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3900</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MID-CAP GROWTH INDEX FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908538</cusip> <value>467</value> <shrsOrPrnAmt> <sshPrnamt>4320</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4320</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VISA INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>92826C839</cusip> <value>3302</value> <shrsOrPrnAmt> <sshPrnamt>50480</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>50480</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908595</cusip> <value>287</value> <shrsOrPrnAmt> <sshPrnamt>2176</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2176</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908736</cusip> <value>351</value> <shrsOrPrnAmt> <sshPrnamt>3359</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3359</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR BARCLAYS CAPITAL SHORT TERM HIGH YIELD BOND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78468R408</cusip> <value>28583</value> <shrsOrPrnAmt> <sshPrnamt>979188</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>979188</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>IRON MOUNTAIN INC</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>46284V101</cusip> <value>588</value> <shrsOrPrnAmt> <sshPrnamt>16130</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16130</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE SMALLCAP DIVIDEND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717W604</cusip> <value>1565</value> <shrsOrPrnAmt> <sshPrnamt>21709</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21709</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE INTERNATIONAL DIVIDEND EX-FINANCIALS FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717W786</cusip> <value>500</value> <shrsOrPrnAmt> <sshPrnamt>11394</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11394</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES EMERGING MKT ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464286319</cusip> <value>779</value> <shrsOrPrnAmt> <sshPrnamt>18919</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18918</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL A</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>084670108</cusip> <value>2828</value> <shrsOrPrnAmt> <sshPrnamt>13</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>26441C204</cusip> <value>4145</value> <shrsOrPrnAmt> <sshPrnamt>53987</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>53987</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MATERIALS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A801</cusip> <value>3343</value> <shrsOrPrnAmt> <sshPrnamt>30795</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>30794</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BCE INC COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>05534B760</cusip> <value>1407</value> <shrsOrPrnAmt> <sshPrnamt>33225</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>33225</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DIRECTV COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>25490A309</cusip> <value>654</value> <shrsOrPrnAmt> <sshPrnamt>7684</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7684</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PC-TEL INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>69325Q105</cusip> <value>223</value> <shrsOrPrnAmt> <sshPrnamt>27839</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>27839</None> </votingAuthority> </infoTable> <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> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>28346</None> </votingAuthority> </infoTable> <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> </infoTable> <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> </infoTable> <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> </infoTable> <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 & 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> </shrsOrPrnAmt> <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> </shrsOrPrnAmt> <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> </shrsOrPrnAmt> <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&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> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4818</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI CONSUMER DISCRETIONARY INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092204</cusip> <value>1001</value> <shrsOrPrnAmt> <sshPrnamt>32776</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>32775</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI ENERGY INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092402</cusip> <value>1695</value> <shrsOrPrnAmt> <sshPrnamt>76373</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>76373</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI HEALTH CARE INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092600</cusip> <value>1254</value> <shrsOrPrnAmt> <sshPrnamt>35575</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>35575</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI INDL INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092709</cusip> <value>1484</value> <shrsOrPrnAmt> <sshPrnamt>51531</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>51531</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI MATLS INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092881</cusip> <value>522</value> <shrsOrPrnAmt> <sshPrnamt>18843</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18843</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI FINLS INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092501</cusip> <value>2989</value> <shrsOrPrnAmt> <sshPrnamt>103946</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>103945</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI CONSUMER STAPLES INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092303</cusip> <value>1380</value> <shrsOrPrnAmt> <sshPrnamt>46668</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>46667</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>316092808</cusip> <value>2767</value> <shrsOrPrnAmt> <sshPrnamt>86240</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>86239</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE DIVIDEND EX-FINANCIALS FUND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717W406</cusip> <value>227</value> <shrsOrPrnAmt> <sshPrnamt>2993</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2993</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALLEGION PUB LTD CO ORD SHS</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>G0176J109</cusip> <value>413</value> <shrsOrPrnAmt> <sshPrnamt>6748</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6748</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WELLS FARGO & CO NEW COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>949746101</cusip> <value>20361</value> <shrsOrPrnAmt> <sshPrnamt>374290</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>374290</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNION PAC CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>907818108</cusip> <value>1779</value> <shrsOrPrnAmt> <sshPrnamt>16424</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>200</Sole> <Shared>0</Shared> <None>16224</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SALESFORCE COM </nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>79466L302</cusip> <value>2224</value> <shrsOrPrnAmt> <sshPrnamt>33284</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>33284</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>THERMO FISHER SCIENTIFIC INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>883556102</cusip> <value>2906</value> <shrsOrPrnAmt> <sshPrnamt>21631</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21631</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>539830109</cusip> <value>314</value> <shrsOrPrnAmt> <sshPrnamt>1548</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1548</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JPMORGAN CHASE & CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>46625H100</cusip> <value>7340</value> <shrsOrPrnAmt> <sshPrnamt>121162</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>250</Sole> <Shared>0</Shared> <None>120912</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NUVEEN CA DIVIDEND ADV MUN FD COM</nameOfIssuer> <titleOfClass>CEF</titleOfClass> <cusip>67066Y105</cusip> <value>162</value> <shrsOrPrnAmt> <sshPrnamt>10612</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10612</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>166764100</cusip> <value>15211</value> <shrsOrPrnAmt> <sshPrnamt>144895</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1000</Sole> <Shared>0</Shared> <None>143894</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>20825C104</cusip> <value>2356</value> <shrsOrPrnAmt> <sshPrnamt>37837</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>37836</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CAMPBELL SOUP CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>134429109</cusip> <value>791</value> <shrsOrPrnAmt> <sshPrnamt>17000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>KOHLS CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>500255104</cusip> <value>3015</value> <shrsOrPrnAmt> <sshPrnamt>38526</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>38526</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ST JUDE MED INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>790849103</cusip> <value>983</value> <shrsOrPrnAmt> <sshPrnamt>15025</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15025</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BANK AMER CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>060505104</cusip> <value>1495</value> <shrsOrPrnAmt> <sshPrnamt>97139</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>97139</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD CONSUMER DISCRETIONARY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92204A108</cusip> <value>5967</value> <shrsOrPrnAmt> <sshPrnamt>48718</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>48718</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES INTERNATIONAL SELECT DIVIDEND ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288448</cusip> <value>1579</value> <shrsOrPrnAmt> <sshPrnamt>46933</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>46932</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INTL BUSINESS MACHINES</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>459200101</cusip> <value>4987</value> <shrsOrPrnAmt> <sshPrnamt>31072</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>840</Sole> <Shared>0</Shared> <None>30232</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>68389X105</cusip> <value>1554</value> <shrsOrPrnAmt> <sshPrnamt>36012</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>36012</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITED TECHNOLOGIES CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>913017109</cusip> <value>11884</value> <shrsOrPrnAmt> <sshPrnamt>101395</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>700</Sole> <Shared>0</Shared> <None>100695</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922042858</cusip> <value>12464</value> <shrsOrPrnAmt> <sshPrnamt>304958</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>304958</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TEXAS INSTRS INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>882508104</cusip> <value>722</value> <shrsOrPrnAmt> <sshPrnamt>12621</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12621</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TARGET CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>87612E106</cusip> <value>1869</value> <shrsOrPrnAmt> <sshPrnamt>22774</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>22774</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD HIGH DIVIDEND YIELD</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921946406</cusip> <value>8756</value> <shrsOrPrnAmt> <sshPrnamt>128199</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>128198</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD ADR</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>881624209</cusip> <value>312</value> <shrsOrPrnAmt> <sshPrnamt>5010</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5010</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PFIZER INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>717081103</cusip> <value>7167</value> <shrsOrPrnAmt> <sshPrnamt>206006</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>14316</Sole> <Shared>0</Shared> <None>191690</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>3M CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>88579Y101</cusip> <value>5272</value> <shrsOrPrnAmt> <sshPrnamt>31959</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>31959</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HEWLETT PACKARD CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>428236103</cusip> <value>1711</value> <shrsOrPrnAmt> <sshPrnamt>54894</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>400</Sole> <Shared>0</Shared> <None>54494</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>375558103</cusip> <value>1318</value> <shrsOrPrnAmt> <sshPrnamt>13430</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13430</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CATERPILLAR INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>149123101</cusip> <value>2446</value> <shrsOrPrnAmt> <sshPrnamt>30565</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>200</Sole> <Shared>0</Shared> <None>30365</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GOOGLE INC CL C</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>38259P706</cusip> <value>1363</value> <shrsOrPrnAmt> <sshPrnamt>2488</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2488</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BED BATH & BEYOND INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>075896100</cusip> <value>2380</value> <shrsOrPrnAmt> <sshPrnamt>31000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>31000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AMERICAN EXPRESS CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>025816109</cusip> <value>2869</value> <shrsOrPrnAmt> <sshPrnamt>36723</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>36723</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AMGEN INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>031162100</cusip> <value>303</value> <shrsOrPrnAmt> <sshPrnamt>1898</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1898</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FRANKLIN RES INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>354613101</cusip> <value>558</value> <shrsOrPrnAmt> <sshPrnamt>10875</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10875</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DNP SELECT INCOME FD COM</nameOfIssuer> <titleOfClass>CEF</titleOfClass> <cusip>23325P104</cusip> <value>280</value> <shrsOrPrnAmt> <sshPrnamt>26647</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>26647</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SHORT TERM BOND</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921937827</cusip> <value>39666</value> <shrsOrPrnAmt> <sshPrnamt>492617</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>492617</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>718172109</cusip> <value>3813</value> <shrsOrPrnAmt> <sshPrnamt>50619</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>50618</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DOW CHEM CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>260543103</cusip> <value>208</value> <shrsOrPrnAmt> <sshPrnamt>4340</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4340</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BRISTOL MYERS SQUIBB</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>110122108</cusip> <value>1728</value> <shrsOrPrnAmt> <sshPrnamt>26796</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>400</Sole> <Shared>0</Shared> <None>26395</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer> <titleOfClass>REIT</titleOfClass> <cusip>756109104</cusip> <value>4866</value> <shrsOrPrnAmt> <sshPrnamt>94298</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>94297</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALTRIA GROUP INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>02209S103</cusip> <value>3679</value> <shrsOrPrnAmt> <sshPrnamt>73549</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>73548</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>30231G102</cusip> <value>7026</value> <shrsOrPrnAmt> <sshPrnamt>82662</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>3200</Sole> <Shared>0</Shared> <None>79461</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEDHEALTH GROUP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>91324P102</cusip> <value>1831</value> <shrsOrPrnAmt> <sshPrnamt>15475</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>350</Sole> <Shared>0</Shared> <None>15125</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DR PEPPER SNAPPLE GROUP INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>26138E109</cusip> <value>241</value> <shrsOrPrnAmt> <sshPrnamt>3077</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3077</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DEERE & CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>244199105</cusip> <value>727</value> <shrsOrPrnAmt> <sshPrnamt>8294</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>200</Sole> <Shared>0</Shared> <None>8094</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COMCAST CORP NEW CL A SPL</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>20030N200</cusip> <value>688</value> <shrsOrPrnAmt> <sshPrnamt>12274</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12273</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PATTERSON COMPANIES INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>703395103</cusip> <value>498</value> <shrsOrPrnAmt> <sshPrnamt>10210</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10210</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>194162103</cusip> <value>1352</value> <shrsOrPrnAmt> <sshPrnamt>19499</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>1300</Sole> <Shared>0</Shared> <None>18198</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AMERICAN INTL GROUP INC COM NEW</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>026874784</cusip> <value>224</value> <shrsOrPrnAmt> <sshPrnamt>4080</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4080</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SAP SE SPON ADR</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>803054204</cusip> <value>2595</value> <shrsOrPrnAmt> <sshPrnamt>35953</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>500</Sole> <Shared>0</Shared> <None>35453</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>808513105</cusip> <value>309</value> <shrsOrPrnAmt> <sshPrnamt>10150</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10150</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AUTOZONE INC COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>053332102</cusip> <value>1439</value> <shrsOrPrnAmt> <sshPrnamt>2110</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2110</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES CORE S&P MID CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287507</cusip> <value>2183</value> <shrsOrPrnAmt> <sshPrnamt>14367</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14366</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287465</cusip> <value>215</value> <shrsOrPrnAmt> <sshPrnamt>3352</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3352</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>APPLE INC</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>037833100</cusip> <value>11657</value> <shrsOrPrnAmt> <sshPrnamt>93683</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>350</Sole> <Shared>0</Shared> <None>93332</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GLAXOSMITHKLINE PLC SPONSORED ADR</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>37733W105</cusip> <value>264</value> <shrsOrPrnAmt> <sshPrnamt>5718</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5718</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABBOTT LABS COM</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>002824100</cusip> <value>2678</value> <shrsOrPrnAmt> <sshPrnamt>57800</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>57800</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DISNEY WALT CO COM DISNEY</nameOfIssuer> <titleOfClass>Stock</titleOfClass> <cusip>254687106</cusip> <value>724</value> <shrsOrPrnAmt> <sshPrnamt>6903</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6903</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287598</cusip> <value>419</value> <shrsOrPrnAmt> <sshPrnamt>4064</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4064</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>