<SEC-DOCUMENT>0001221073-20-000140.txt : 20201026 <SEC-HEADER>0001221073-20-000140.hdr.sgml : 20201026 <ACCEPTANCE-DATETIME>20201026101826 ACCESSION NUMBER: 0001221073-20-000140 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20200930 FILED AS OF DATE: 20201026 DATE AS OF CHANGE: 20201026 EFFECTIVENESS DATE: 20201026 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NewFocus Financial Group, LLC CENTRAL INDEX KEY: 0001599212 IRS NUMBER: 331100610 STATE OF INCORPORATION: WA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-15842 FILM NUMBER: 201259414 BUSINESS ADDRESS: STREET 1: 410 W. 12TH STREET CITY: VANCOUVER STATE: WA ZIP: 98660 BUSINESS PHONE: (888) 762-2423 MAIL ADDRESS: STREET 1: 410 W. 12TH STREET CITY: VANCOUVER STATE: WA ZIP: 98660 </SEC-HEADER> <DOCUMENT> <TYPE>13F-HR <SEQUENCE>1 <FILENAME>primary_doc.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8"?> <edgarSubmission xsi:schemaLocation="http://www.sec.gov/edgar/thirteenffiler eis_13F_Filer.xsd" xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:ns1="http://www.sec.gov/edgar/common" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001599212</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>09-30-2020</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>09-30-2020</reportCalendarOrQuarter> <isAmendment>false</isAmendment> <filingManager> <name>NewFocus Financial Group, LLC</name> <address> <ns1:street1>410 W. 12TH STREET</ns1:street1> <ns1:city>VANCOUVER</ns1:city> <ns1:stateOrCountry>WA</ns1:stateOrCountry> <ns1:zipCode>98660</ns1:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-15842</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Chad Burton</name> <title>Chief ExecutiveOfficer</title> <phone>888-762-2423</phone> <signature>/s/ Chad Burton</signature> <city>Vancouver</city> <stateOrCountry>WA</stateOrCountry> <signatureDate>10-15-2020</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>0</otherIncludedManagersCount> <tableEntryTotal>113</tableEntryTotal> <tableValueTotal>300019</tableValueTotal> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>infotable.xml <DESCRIPTION>INFORMATION TABLE <TEXT> <XML> <?xml version="1.0" ?> <informationTable xsi:schemaLocation="http://www.sec.gov/edgar/document/thirteenf/informationtable eis_13FDocument.xsd" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:n1="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <infoTable> <nameOfIssuer>3M CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>88579Y101</cusip> <value>1048</value> <shrsOrPrnAmt> <sshPrnamt>6541</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6541</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABBOTT LABS</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>002824100</cusip> <value>1321</value> <shrsOrPrnAmt> <sshPrnamt>12141</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12141</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABBVIE INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>00287Y109</cusip> <value>1665</value> <shrsOrPrnAmt> <sshPrnamt>19005</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19005</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALIBABA GROUP HLDG LTD</nameOfIssuer> <titleOfClass>SPONSORED ADS</titleOfClass> <cusip>01609W102</cusip> <value>367</value> <shrsOrPrnAmt> <sshPrnamt>1247</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1247</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALLSTATE CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>020002101</cusip> <value>959</value> <shrsOrPrnAmt> <sshPrnamt>10191</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10191</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALPHABET INC</nameOfIssuer> <titleOfClass>CAP STK CL A</titleOfClass> <cusip>02079K305</cusip> <value>322</value> <shrsOrPrnAmt> <sshPrnamt>220</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>220</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALPHABET INC</nameOfIssuer> <titleOfClass>CAP STK CL C</titleOfClass> <cusip>02079K107</cusip> <value>401</value> <shrsOrPrnAmt> <sshPrnamt>273</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>273</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AMAZON COM INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>023135106</cusip> <value>992</value> <shrsOrPrnAmt> <sshPrnamt>315</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>315</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>APPLE INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>037833100</cusip> <value>30969</value> <shrsOrPrnAmt> <sshPrnamt>267408</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>267408</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ATLAS AIR WORLDWIDE HLDGS IN</nameOfIssuer> <titleOfClass>NOTE 1.875% 6/0</titleOfClass> <cusip>049164BJ4</cusip> <value>30</value> <shrsOrPrnAmt> <sshPrnamt>25000</sshPrnamt> <sshPrnamtType>PRN</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>25000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BECTON DICKINSON & CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>075887109</cusip> <value>4087</value> <shrsOrPrnAmt> <sshPrnamt>17563</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17563</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer> <titleOfClass>CL B NEW</titleOfClass> <cusip>084670702</cusip> <value>279</value> <shrsOrPrnAmt> <sshPrnamt>1311</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1311</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>060505104</cusip> <value>893</value> <shrsOrPrnAmt> <sshPrnamt>37068</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>37068</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BLACKROCK INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>09247X101</cusip> <value>3892</value> <shrsOrPrnAmt> <sshPrnamt>6907</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6907</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>110122108</cusip> <value>2664</value> <shrsOrPrnAmt> <sshPrnamt>44181</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>44181</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>BROADCOM INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>11135F101</cusip> <value>1506</value> <shrsOrPrnAmt> <sshPrnamt>4135</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4135</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CINTAS CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>172908105</cusip> <value>9077</value> <shrsOrPrnAmt> <sshPrnamt>27271</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>27271</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CISCO SYS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>17275R102</cusip> <value>6491</value> <shrsOrPrnAmt> <sshPrnamt>164788</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>164788</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>194162103</cusip> <value>1439</value> <shrsOrPrnAmt> <sshPrnamt>18649</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18649</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>22160K105</cusip> <value>301</value> <shrsOrPrnAmt> <sshPrnamt>849</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>849</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CSX CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>126408103</cusip> <value>1323</value> <shrsOrPrnAmt> <sshPrnamt>17033</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17033</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CUMMINS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>231021106</cusip> <value>1131</value> <shrsOrPrnAmt> <sshPrnamt>5354</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5354</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>126650100</cusip> <value>1264</value> <shrsOrPrnAmt> <sshPrnamt>21636</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21636</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>D R HORTON INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>23331A109</cusip> <value>608</value> <shrsOrPrnAmt> <sshPrnamt>8037</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8037</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>DOVER CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>260003108</cusip> <value>3311</value> <shrsOrPrnAmt> <sshPrnamt>30562</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>30562</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>F M C CORP</nameOfIssuer> <titleOfClass>COM NEW</titleOfClass> <cusip>302491303</cusip> <value>347</value> <shrsOrPrnAmt> <sshPrnamt>3273</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3273</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>FACEBOOK INC</nameOfIssuer> <titleOfClass>CL A</titleOfClass> <cusip>30303M102</cusip> <value>475</value> <shrsOrPrnAmt> <sshPrnamt>1814</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1814</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GARMIN LTD</nameOfIssuer> <titleOfClass>SHS</titleOfClass> <cusip>H2906T109</cusip> <value>940</value> <shrsOrPrnAmt> <sshPrnamt>9910</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9910</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>369550108</cusip> <value>2549</value> <shrsOrPrnAmt> <sshPrnamt>18416</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18416</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GENERAL MLS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>370334104</cusip> <value>2208</value> <shrsOrPrnAmt> <sshPrnamt>35796</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>35796</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>GRAINGER W W INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>384802104</cusip> <value>2675</value> <shrsOrPrnAmt> <sshPrnamt>7499</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7499</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HOME DEPOT INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>437076102</cusip> <value>1219</value> <shrsOrPrnAmt> <sshPrnamt>4391</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4391</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>438516106</cusip> <value>1169</value> <shrsOrPrnAmt> <sshPrnamt>7104</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7104</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INTEL CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>458140100</cusip> <value>263</value> <shrsOrPrnAmt> <sshPrnamt>5085</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5085</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer> <titleOfClass>CALIF AMT MUN</titleOfClass> <cusip>46138E206</cusip> <value>200</value> <shrsOrPrnAmt> <sshPrnamt>7252</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7252</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer> <titleOfClass>DIVID ACHIEVEV</titleOfClass> <cusip>46137V506</cusip> <value>769</value> <shrsOrPrnAmt> <sshPrnamt>25398</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>25398</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer> <titleOfClass>UNIT SER 1</titleOfClass> <cusip>46090E103</cusip> <value>567</value> <shrsOrPrnAmt> <sshPrnamt>2041</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2041</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE US AGGBD ET</titleOfClass> <cusip>464287226</cusip> <value>1270</value> <shrsOrPrnAmt> <sshPrnamt>10756</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10756</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CALIF MUN BD ETF</titleOfClass> <cusip>464288356</cusip> <value>19164</value> <shrsOrPrnAmt> <sshPrnamt>307157</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>307157</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>EXPONENTIAL TECH</titleOfClass> <cusip>46434V381</cusip> <value>305</value> <shrsOrPrnAmt> <sshPrnamt>6284</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6284</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE MSCI EAFE</titleOfClass> <cusip>46432F842</cusip> <value>4916</value> <shrsOrPrnAmt> <sshPrnamt>81545</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>81545</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>S&P 500 GRWT ETF</titleOfClass> <cusip>464287309</cusip> <value>373</value> <shrsOrPrnAmt> <sshPrnamt>1616</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1616</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>RUS MDCP VAL ETF</titleOfClass> <cusip>464287473</cusip> <value>354</value> <shrsOrPrnAmt> <sshPrnamt>4378</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4378</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE S&P SCP ETF</titleOfClass> <cusip>464287804</cusip> <value>4647</value> <shrsOrPrnAmt> <sshPrnamt>66169</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>66169</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE S&P MCP ETF</titleOfClass> <cusip>464287507</cusip> <value>510</value> <shrsOrPrnAmt> <sshPrnamt>2754</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2754</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>GOV/CRED BD ETF</titleOfClass> <cusip>464288596</cusip> <value>479</value> <shrsOrPrnAmt> <sshPrnamt>3826</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3826</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE DIV GRWTH</titleOfClass> <cusip>46434V621</cusip> <value>249</value> <shrsOrPrnAmt> <sshPrnamt>6257</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6257</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>S&P MC 400GR ETF</titleOfClass> <cusip>464287606</cusip> <value>2505</value> <shrsOrPrnAmt> <sshPrnamt>10473</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10473</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>MSCI EMG MKT ETF</titleOfClass> <cusip>464287234</cusip> <value>1861</value> <shrsOrPrnAmt> <sshPrnamt>42220</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>42220</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>SP SMCP600VL ETF</titleOfClass> <cusip>464287879</cusip> <value>245</value> <shrsOrPrnAmt> <sshPrnamt>2000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE S&P500 ETF</titleOfClass> <cusip>464287200</cusip> <value>10501</value> <shrsOrPrnAmt> <sshPrnamt>31249</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>31249</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>CORE S&P US VLU</titleOfClass> <cusip>464287663</cusip> <value>2775</value> <shrsOrPrnAmt> <sshPrnamt>51115</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>51115</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>RUSSELL 2000 ETF</titleOfClass> <cusip>464287655</cusip> <value>263</value> <shrsOrPrnAmt> <sshPrnamt>1756</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1756</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>NATIONAL MUN ETF</titleOfClass> <cusip>464288414</cusip> <value>4215</value> <shrsOrPrnAmt> <sshPrnamt>36361</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>36361</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>EAFE GRWTH ETF</titleOfClass> <cusip>464288885</cusip> <value>1158</value> <shrsOrPrnAmt> <sshPrnamt>12880</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12880</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>PFD AND INCM SEC</titleOfClass> <cusip>464288687</cusip> <value>221</value> <shrsOrPrnAmt> <sshPrnamt>6059</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6059</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>1 3 YR TREAS BD</titleOfClass> <cusip>464287457</cusip> <value>2053</value> <shrsOrPrnAmt> <sshPrnamt>23737</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>23737</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>MSCI USA VALUE</titleOfClass> <cusip>46432F388</cusip> <value>2475</value> <shrsOrPrnAmt> <sshPrnamt>33550</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>33550</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TR</nameOfIssuer> <titleOfClass>IBOXX INV CP ETF</titleOfClass> <cusip>464287242</cusip> <value>353</value> <shrsOrPrnAmt> <sshPrnamt>2617</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2617</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JOHNSON & JOHNSON</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>478160104</cusip> <value>4809</value> <shrsOrPrnAmt> <sshPrnamt>32300</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>32300</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>JPMORGAN CHASE & CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>46625H100</cusip> <value>2441</value> <shrsOrPrnAmt> <sshPrnamt>25353</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>25353</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>KLA CORP</nameOfIssuer> <titleOfClass>COM NEW</titleOfClass> <cusip>482480100</cusip> <value>3254</value> <shrsOrPrnAmt> <sshPrnamt>16797</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16797</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LOWES COS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>548661107</cusip> <value>9114</value> <shrsOrPrnAmt> <sshPrnamt>54952</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>54952</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MCDONALDS CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>580135101</cusip> <value>3794</value> <shrsOrPrnAmt> <sshPrnamt>17285</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17285</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MCKESSON CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>58155Q103</cusip> <value>1549</value> <shrsOrPrnAmt> <sshPrnamt>10402</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10402</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MERCK & CO. INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>58933Y105</cusip> <value>1599</value> <shrsOrPrnAmt> <sshPrnamt>19278</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19278</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>MICROSOFT CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>594918104</cusip> <value>11857</value> <shrsOrPrnAmt> <sshPrnamt>56372</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>56372</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NLIGHT INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>65487K100</cusip> <value>413</value> <shrsOrPrnAmt> <sshPrnamt>17586</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17586</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>666807102</cusip> <value>1040</value> <shrsOrPrnAmt> <sshPrnamt>3295</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3295</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NOVOCURE LTD</nameOfIssuer> <titleOfClass>ORD SHS</titleOfClass> <cusip>G6674U108</cusip> <value>357</value> <shrsOrPrnAmt> <sshPrnamt>3210</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3210</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PEPSICO INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>713448108</cusip> <value>2311</value> <shrsOrPrnAmt> <sshPrnamt>16677</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16677</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74144T108</cusip> <value>995</value> <shrsOrPrnAmt> <sshPrnamt>7759</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7759</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>QUALCOMM INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>747525103</cusip> <value>2462</value> <shrsOrPrnAmt> <sshPrnamt>20918</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>20918</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74834L100</cusip> <value>1988</value> <shrsOrPrnAmt> <sshPrnamt>17364</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17364</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>75513E101</cusip> <value>4387</value> <shrsOrPrnAmt> <sshPrnamt>76246</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>76246</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ROSS STORES INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>778296103</cusip> <value>1082</value> <shrsOrPrnAmt> <sshPrnamt>11594</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11594</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US DIVIDEND EQ</titleOfClass> <cusip>808524797</cusip> <value>5146</value> <shrsOrPrnAmt> <sshPrnamt>93059</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>93059</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US SML CAP ETF</titleOfClass> <cusip>808524607</cusip> <value>1096</value> <shrsOrPrnAmt> <sshPrnamt>16044</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16044</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INTL EQTY ETF</titleOfClass> <cusip>808524805</cusip> <value>4954</value> <shrsOrPrnAmt> <sshPrnamt>157764</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>157764</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>EMRG MKTEQ ETF</titleOfClass> <cusip>808524706</cusip> <value>4007</value> <shrsOrPrnAmt> <sshPrnamt>149746</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>149746</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>TECHNOLOGY</titleOfClass> <cusip>81369Y803</cusip> <value>6093</value> <shrsOrPrnAmt> <sshPrnamt>52208</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>52208</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SEMPRA ENERGY</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>816851109</cusip> <value>2453</value> <shrsOrPrnAmt> <sshPrnamt>20728</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>20728</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer> <titleOfClass>PORTFOLIO EMG MK</titleOfClass> <cusip>78463X509</cusip> <value>2878</value> <shrsOrPrnAmt> <sshPrnamt>78729</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>78729</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF TR</nameOfIssuer> <titleOfClass>TR UNIT</titleOfClass> <cusip>78462F103</cusip> <value>2127</value> <shrsOrPrnAmt> <sshPrnamt>6350</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6350</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P MIDCAP 400 ETF TR</nameOfIssuer> <titleOfClass>UTSER1 S&PDCRP</titleOfClass> <cusip>78467Y107</cusip> <value>406</value> <shrsOrPrnAmt> <sshPrnamt>1197</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1197</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P 600 SMCP GRW</titleOfClass> <cusip>78464A201</cusip> <value>202</value> <shrsOrPrnAmt> <sshPrnamt>3414</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3414</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>BLMBRG BRC CNVRT</titleOfClass> <cusip>78464A359</cusip> <value>360</value> <shrsOrPrnAmt> <sshPrnamt>5227</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5227</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STARBUCKS CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>855244109</cusip> <value>330</value> <shrsOrPrnAmt> <sshPrnamt>3840</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3840</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>858119100</cusip> <value>1350</value> <shrsOrPrnAmt> <sshPrnamt>47164</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>47164</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>863667101</cusip> <value>1277</value> <shrsOrPrnAmt> <sshPrnamt>6128</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6128</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SYSCO CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>871829107</cusip> <value>506</value> <shrsOrPrnAmt> <sshPrnamt>8134</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8134</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TJX COS INC NEW</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>872540109</cusip> <value>1689</value> <shrsOrPrnAmt> <sshPrnamt>30354</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>30354</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TYSON FOODS INC</nameOfIssuer> <titleOfClass>CL A</titleOfClass> <cusip>902494103</cusip> <value>1648</value> <shrsOrPrnAmt> <sshPrnamt>27702</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>27702</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>91324P102</cusip> <value>9552</value> <shrsOrPrnAmt> <sshPrnamt>30639</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>30639</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer> <titleOfClass>INTL BD IDX ETF</titleOfClass> <cusip>92203J407</cusip> <value>224</value> <shrsOrPrnAmt> <sshPrnamt>3858</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3858</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL STK MKT</titleOfClass> <cusip>922908769</cusip> <value>644</value> <shrsOrPrnAmt> <sshPrnamt>3784</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3784</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SM CP VAL ETF</titleOfClass> <cusip>922908611</cusip> <value>718</value> <shrsOrPrnAmt> <sshPrnamt>6486</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6486</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>MID CAP ETF</titleOfClass> <cusip>922908629</cusip> <value>300</value> <shrsOrPrnAmt> <sshPrnamt>1701</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1701</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>VALUE ETF</titleOfClass> <cusip>922908744</cusip> <value>234</value> <shrsOrPrnAmt> <sshPrnamt>2243</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2243</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>GROWTH ETF</titleOfClass> <cusip>922908736</cusip> <value>3251</value> <shrsOrPrnAmt> <sshPrnamt>14284</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14284</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SMALL CP ETF</titleOfClass> <cusip>922908751</cusip> <value>4479</value> <shrsOrPrnAmt> <sshPrnamt>29125</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>29125</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>S&P 500 ETF SHS</titleOfClass> <cusip>922908363</cusip> <value>2763</value> <shrsOrPrnAmt> <sshPrnamt>8980</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8980</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EMR MKT ETF</titleOfClass> <cusip>922042858</cusip> <value>735</value> <shrsOrPrnAmt> <sshPrnamt>16999</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16999</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>ALLWRLD EX US</titleOfClass> <cusip>922042775</cusip> <value>680</value> <shrsOrPrnAmt> <sshPrnamt>13470</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13470</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>SHRT TRM CORP BD</titleOfClass> <cusip>92206C409</cusip> <value>305</value> <shrsOrPrnAmt> <sshPrnamt>3684</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3684</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer> <titleOfClass>DIV APP ETF</titleOfClass> <cusip>921908844</cusip> <value>20382</value> <shrsOrPrnAmt> <sshPrnamt>158414</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>158414</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer> <titleOfClass>INTL DVD ETF</titleOfClass> <cusip>921946810</cusip> <value>737</value> <shrsOrPrnAmt> <sshPrnamt>10235</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10235</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>MEGA CAP VAL ETF</titleOfClass> <cusip>921910840</cusip> <value>5366</value> <shrsOrPrnAmt> <sshPrnamt>69957</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>69957</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer> <titleOfClass>HEALTH CAR ETF</titleOfClass> <cusip>92204A504</cusip> <value>3930</value> <shrsOrPrnAmt> <sshPrnamt>19267</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>19267</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92345Y106</cusip> <value>276</value> <shrsOrPrnAmt> <sshPrnamt>1491</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1491</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92343V104</cusip> <value>410</value> <shrsOrPrnAmt> <sshPrnamt>6893</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6893</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VISA INC</nameOfIssuer> <titleOfClass>COM CL A</titleOfClass> <cusip>92826C839</cusip> <value>1879</value> <shrsOrPrnAmt> <sshPrnamt>9397</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9397</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WP CAREY INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92936U109</cusip> <value>2567</value> <shrsOrPrnAmt> <sshPrnamt>39399</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>39399</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>