<SEC-DOCUMENT>0001103245-22-000002.txt : 20220124 <SEC-HEADER>0001103245-22-000002.hdr.sgml : 20220124 <ACCEPTANCE-DATETIME>20220124100552 ACCESSION NUMBER: 0001103245-22-000002 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20211231 FILED AS OF DATE: 20220124 DATE AS OF CHANGE: 20220124 EFFECTIVENESS DATE: 20220124 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SMITHBRIDGE ASSET MANAGEMENT INC/DE CENTRAL INDEX KEY: 0001103245 IRS NUMBER: 232869588 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-05213 FILM NUMBER: 22547797 BUSINESS ADDRESS: STREET 1: 5 CHRISTY DRIVE, SUITE 206 CITY: CHADDS FORD STATE: PA ZIP: 19317 BUSINESS PHONE: 6103619141 MAIL ADDRESS: STREET 1: 5 CHRISTY DRIVE, SUITE 206 CITY: CHADDS FORD STATE: PA ZIP: 19317 </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>0001103245</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>12-31-2021</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>12-31-2021</reportCalendarOrQuarter> <filingManager> <name>SMITHBRIDGE ASSET MANAGEMENT INC/DE</name> <address> <com:street1>5 CHRISTY DRIVE, SUITE 206</com:street1> <com:city>CHADDS FORD</com:city> <com:stateOrCountry>PA</com:stateOrCountry> <com:zipCode>19317</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-05213</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>Jonathan Kolle</name> <title>President & CCO</title> <phone>610-361-9141</phone> <signature>Jonathan Kolle</signature> <city>Chadds Ford</city> <stateOrCountry>PA</stateOrCountry> <signatureDate>01-24-2022</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>0</otherIncludedManagersCount> <tableEntryTotal>110</tableEntryTotal> <tableValueTotal>328648</tableValueTotal> <isConfidentialOmitted>false</isConfidentialOmitted> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>SAM.13F.2021Q4.xml <TEXT> <XML> <informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"> <infoTable> <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>002824100</cusip> <value>6099</value> <shrsOrPrnAmt> <sshPrnamt>43336</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>43336</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ABBVIE INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>00287Y109</cusip> <value>3659</value> <shrsOrPrnAmt> <sshPrnamt>27021</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>27021</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ACCENTURE PLC FCLASS </nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>G1151C101</cusip> <value>13283</value> <shrsOrPrnAmt> <sshPrnamt>32043</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>32043</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>AFLAC INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>001055102</cusip> <value>602</value> <shrsOrPrnAmt> <sshPrnamt>10306</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10306</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALLSTATE CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>020002101</cusip> <value>547</value> <shrsOrPrnAmt> <sshPrnamt>4650</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4650</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ALPHABET INC. 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<cusip>49456B101</cusip> <value>885</value> <shrsOrPrnAmt> <sshPrnamt>55785</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>55785</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>L & L ENERGY INC XXXREGIST</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>50162D100</cusip> <value>0</value> <shrsOrPrnAmt> <sshPrnamt>11000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>539830109</cusip> <value>3871</value> <shrsOrPrnAmt> <sshPrnamt>10892</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> 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</infoTable> <infoTable> <nameOfIssuer>MICROSOFT CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>594918104</cusip> <value>13203</value> <shrsOrPrnAmt> <sshPrnamt>39258</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>39258</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NIKE INC CLASS </nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>654106103</cusip> <value>7481</value> <shrsOrPrnAmt> <sshPrnamt>44888</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>44888</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NVIDIA CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>67066G104</cusip> <value>3815</value> <shrsOrPrnAmt> <sshPrnamt>12972</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12972</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>O REILLY AUTOMOTIVE</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>67103H107</cusip> <value>318</value> <shrsOrPrnAmt> <sshPrnamt>450</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>450</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PAYCHEX INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>704326107</cusip> <value>491</value> <shrsOrPrnAmt> <sshPrnamt>3600</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3600</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PEPSICO INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>713448108</cusip> <value>3141</value> <shrsOrPrnAmt> <sshPrnamt>18083</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18083</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PFIZER INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>717081103</cusip> <value>228</value> <shrsOrPrnAmt> <sshPrnamt>3857</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3857</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROCTER & GAMBLE</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>742718109</cusip> <value>5418</value> <shrsOrPrnAmt> <sshPrnamt>33124</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>33124</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>QUALCOMM INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>747525103</cusip> <value>6450</value> <shrsOrPrnAmt> <sshPrnamt>35269</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>35269</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>RAYTHEON TECHNOLOGIES CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>75513E101</cusip> <value>5814</value> <shrsOrPrnAmt> <sshPrnamt>67552</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>67552</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ROCKWELL AUTOMATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>773903109</cusip> <value>3523</value> <shrsOrPrnAmt> <sshPrnamt>10098</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10098</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHLUMBERGER LTD F</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>806857108</cusip> <value>316</value> <shrsOrPrnAmt> <sshPrnamt>10553</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10553</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SKYWORKS SOLUTIONS</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>83088M102</cusip> <value>6730</value> <shrsOrPrnAmt> <sshPrnamt>43383</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>43383</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STRYKER CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>863667101</cusip> <value>4990</value> <shrsOrPrnAmt> <sshPrnamt>18660</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18660</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>T ROWE PRICE GROUP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74144T108</cusip> <value>8117</value> <shrsOrPrnAmt> <sshPrnamt>41276</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>41276</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TARGET CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>87612E106</cusip> <value>3407</value> <shrsOrPrnAmt> <sshPrnamt>14719</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14719</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TJX COMPANIES INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>872540109</cusip> <value>6852</value> <shrsOrPrnAmt> <sshPrnamt>90252</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>90252</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEDHEALTH GRP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>91324P102</cusip> <value>7168</value> <shrsOrPrnAmt> <sshPrnamt>14274</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14274</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>91913Y100</cusip> <value>373</value> <shrsOrPrnAmt> <sshPrnamt>4967</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4967</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERIZON COMMUNICATN</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92343V104</cusip> <value>276</value> <shrsOrPrnAmt> <sshPrnamt>5307</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5307</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WALT DISNEY CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>254687106</cusip> <value>896</value> <shrsOrPrnAmt> <sshPrnamt>5783</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5783</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WILLIAMS SONOMA</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>969904101</cusip> <value>1521</value> <shrsOrPrnAmt> <sshPrnamt>8995</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8995</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>INFOSYS LTD FSPONSO</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>456788108</cusip> <value>202</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>NOVARTIS AG FSPONSO</nameOfIssuer> <titleOfClass>ADR</titleOfClass> <cusip>66987V109</cusip> <value>3671</value> <shrsOrPrnAmt> <sshPrnamt>41964</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>41964</None> </votingAuthority> 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<nameOfIssuer>ISHARES CORE S&P SMALL CAP ET</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287804</cusip> <value>7073</value> <shrsOrPrnAmt> <sshPrnamt>61769</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>61769</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES S&P MID CAP 400 VALUE </nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287705</cusip> <value>540</value> <shrsOrPrnAmt> <sshPrnamt>4876</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4876</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES S&P SMALL CAP 600 ET</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287879</cusip> <value>566</value> <shrsOrPrnAmt> <sshPrnamt>5416</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5416</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES TOTAL US STOCK MARKET</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287150</cusip> <value>257</value> <shrsOrPrnAmt> <sshPrnamt>2400</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2400</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES US CONSUMER DISCRETION</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287580</cusip> <value>260</value> <shrsOrPrnAmt> <sshPrnamt>3092</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3092</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES US TECHNOLOGY ETF IV</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464287721</cusip> <value>4991</value> <shrsOrPrnAmt> <sshPrnamt>43471</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>43471</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB US BROAD MARKET ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524102</cusip> <value>1545</value> <shrsOrPrnAmt> <sshPrnamt>13673</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13673</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB US DIVIDEND EQUITY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524797</cusip> <value>8553</value> <shrsOrPrnAmt> <sshPrnamt>105819</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>105819</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB US LARGE CAP GROWTH</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524300</cusip> <value>6209</value> <shrsOrPrnAmt> <sshPrnamt>37916</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>37916</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB US SMALL CAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524607</cusip> <value>2932</value> <shrsOrPrnAmt> <sshPrnamt>28635</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>28635</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR HEALTH CARE S</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>81369Y209</cusip> <value>1970</value> <shrsOrPrnAmt> <sshPrnamt>13982</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13982</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR INDUSTRIALSPDR E</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>81369Y704</cusip> <value>611</value> <shrsOrPrnAmt> <sshPrnamt>5778</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5778</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT STR FINANCIAL SELECT</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>81369Y605</cusip> <value>518</value> <shrsOrPrnAmt> <sshPrnamt>13264</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13264</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR FUND CONSUMER DISCRE</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>81369Y407</cusip> <value>4513</value> <shrsOrPrnAmt> <sshPrnamt>22074</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>22074</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78462F103</cusip> <value>404</value> <shrsOrPrnAmt> <sshPrnamt>850</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>850</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P REGIONAL BANKIN</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>78464A698</cusip> <value>2183</value> <shrsOrPrnAmt> <sshPrnamt>30812</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>30812</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANECK AGRIBUSINESS ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>92189F700</cusip> <value>296</value> <shrsOrPrnAmt> <sshPrnamt>3100</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3100</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD DIVIDEND APPREC</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921908844</cusip> <value>1490</value> <shrsOrPrnAmt> <sshPrnamt>8675</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8675</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MEGA CAP ETF IV</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921910873</cusip> <value>291</value> <shrsOrPrnAmt> <sshPrnamt>1730</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1730</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD S&P 500 GROWTH ETF IV</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921932505</cusip> <value>4557</value> <shrsOrPrnAmt> <sshPrnamt>15103</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15103</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SMALL CAP GROWTH</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908595</cusip> <value>1571</value> <shrsOrPrnAmt> <sshPrnamt>5575</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5575</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD TOTAL STOCK MARKET</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>922908769</cusip> <value>1594</value> <shrsOrPrnAmt> <sshPrnamt>6603</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6603</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE US SMALLCAP ETF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717W562</cusip> <value>5215</value> <shrsOrPrnAmt> <sshPrnamt>101462</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>101462</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES INTERNATIONAL SEL DI</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>464288448</cusip> <value>672</value> <shrsOrPrnAmt> <sshPrnamt>21550</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21550</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ISHARES MSCI INTL MULTIF</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>46434V274</cusip> <value>1763</value> <shrsOrPrnAmt> <sshPrnamt>61161</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>61161</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB EMERGING MARKETS EQUITY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524706</cusip> <value>2648</value> <shrsOrPrnAmt> <sshPrnamt>89398</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>89398</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB INTERNATIONAL EQUITY</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>808524805</cusip> <value>661</value> <shrsOrPrnAmt> <sshPrnamt>17007</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17007</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD FTSE DEVELOPED MKTS E</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>921943858</cusip> <value>5519</value> <shrsOrPrnAmt> <sshPrnamt>108090</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>108090</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE INTL SMALLCP DIVIDE</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717W760</cusip> <value>1542</value> <shrsOrPrnAmt> <sshPrnamt>20942</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>20942</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WSDMTRE EMRG MKT EX STT OWN EN</nameOfIssuer> <titleOfClass>ETF</titleOfClass> <cusip>97717X578</cusip> <value>1613</value> <shrsOrPrnAmt> <sshPrnamt>43766</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <otherManager>0</otherManager> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>43766</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>