<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>
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      <filer>
        <credentials>
          <cik>0001103245</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2021</periodOfReport>
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    <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 &amp; 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>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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		<nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
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		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>3659</value>
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		<nameOfIssuer>ACCENTURE PLC          FCLASS </nameOfIssuer>
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		<cusip>G1151C101</cusip>
		<value>13283</value>
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		<nameOfIssuer>AFLAC INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<value>602</value>
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			<sshPrnamt>4650</sshPrnamt>
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		<nameOfIssuer>ALPHABET INC.           CLASS </nameOfIssuer>
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		<cusip>02079K305</cusip>
		<value>762</value>
		<shrsOrPrnAmt>
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			<None>263</None>
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	<infoTable>
		<nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>1550</value>
		<shrsOrPrnAmt>
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			<Shared>0</Shared>
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	<infoTable>
		<nameOfIssuer>AMGEN INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>031162100</cusip>
		<value>245</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1088</sshPrnamt>
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		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>16722</value>
		<shrsOrPrnAmt>
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		<nameOfIssuer>ARTHUR J GALLAGHER&amp;C</nameOfIssuer>
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		<nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
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		<nameOfIssuer>BERKSHIRE HATHAWAY      CLASS </nameOfIssuer>
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		<titleOfClass>COM</titleOfClass>
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		<value>1407</value>
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		<nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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		<value>300</value>
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		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
		<value>574</value>
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		<nameOfIssuer>EATON CORP PLC         F</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G29183103</cusip>
		<value>261</value>
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		<value>4908</value>
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		<nameOfIssuer>EDWARDS LIFESCIENCES</nameOfIssuer>
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		<value>1091</value>
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			<Shared>0</Shared>
			<None>8425</None>
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		<nameOfIssuer>ENTERPRISE PRODS PART LP</nameOfIssuer>
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		<value>2342</value>
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		<titleOfClass>COM</titleOfClass>
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			<None>4050</None>
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		<nameOfIssuer>GOLDMAN SACHS GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>38141G104</cusip>
		<value>2643</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6910</None>
		</votingAuthority>
	</infoTable>
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		<nameOfIssuer>GREENLANE HOLDINGS INC  CLASS </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>395330103</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
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			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10859</None>
		</votingAuthority>
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		<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>437076102</cusip>
		<value>257</value>
		<shrsOrPrnAmt>
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			<Shared>0</Shared>
			<None>620</None>
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		<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>6824</value>
		<shrsOrPrnAmt>
			<sshPrnamt>32728</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>32728</None>
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	<infoTable>
		<nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>452308109</cusip>
		<value>925</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3750</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTEL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>458140100</cusip>
		<value>3203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62198</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>62198</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>INTERDIGITAL INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>45867G101</cusip>
		<value>609</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8500</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8500</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>478160104</cusip>
		<value>6873</value>
		<shrsOrPrnAmt>
			<sshPrnamt>40179</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>40179</None>
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	<infoTable>
		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>6835</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43167</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>43167</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
		<value>269</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1880</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1880</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<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>
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	<infoTable>
		<nameOfIssuer>L &amp; L ENERGY INC     XXXREGIST</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>50162D100</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11000</None>
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	<infoTable>
		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>539830109</cusip>
		<value>3871</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10892</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10892</None>
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		<nameOfIssuer>MARIMED INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>56782V107</cusip>
		<value>153</value>
		<shrsOrPrnAmt>
			<sshPrnamt>177370</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>177370</None>
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	<infoTable>
		<nameOfIssuer>MEDTRONIC PLC          F</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>G5960L103</cusip>
		<value>4771</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>46115</None>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>13203</value>
		<shrsOrPrnAmt>
			<sshPrnamt>39258</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>39258</None>
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		<nameOfIssuer>NIKE INC                CLASS </nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>654106103</cusip>
		<value>7481</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44888</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>44888</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NVIDIA CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67066G104</cusip>
		<value>3815</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12972</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12972</None>
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	<infoTable>
		<nameOfIssuer>O REILLY AUTOMOTIVE</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67103H107</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>450</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>450</None>
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		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>704326107</cusip>
		<value>491</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3600</None>
		</votingAuthority>
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		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>3141</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18083</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18083</None>
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		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>228</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3857</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3857</None>
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		<nameOfIssuer>PROCTER &amp; GAMBLE</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>742718109</cusip>
		<value>5418</value>
		<shrsOrPrnAmt>
			<sshPrnamt>33124</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>33124</None>
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		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>747525103</cusip>
		<value>6450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35269</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>35269</None>
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	<infoTable>
		<nameOfIssuer>RAYTHEON TECHNOLOGIES CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>75513E101</cusip>
		<value>5814</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67552</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>67552</None>
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		<nameOfIssuer>ROCKWELL AUTOMATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>773903109</cusip>
		<value>3523</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10098</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10098</None>
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		<nameOfIssuer>SCHLUMBERGER LTD       F</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>806857108</cusip>
		<value>316</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10553</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10553</None>
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	<infoTable>
		<nameOfIssuer>SKYWORKS SOLUTIONS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>83088M102</cusip>
		<value>6730</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43383</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>43383</None>
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		<nameOfIssuer>STRYKER CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>863667101</cusip>
		<value>4990</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18660</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18660</None>
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		<nameOfIssuer>T ROWE PRICE GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74144T108</cusip>
		<value>8117</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41276</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41276</None>
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	<infoTable>
		<nameOfIssuer>TARGET CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>87612E106</cusip>
		<value>3407</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14719</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>TJX COMPANIES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>872540109</cusip>
		<value>6852</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90252</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>90252</None>
		</votingAuthority>
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		<nameOfIssuer>UNITEDHEALTH GRP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>91324P102</cusip>
		<value>7168</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14274</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>14274</None>
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	<infoTable>
		<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>91913Y100</cusip>
		<value>373</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4967</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>4967</None>
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	<infoTable>
		<nameOfIssuer>VERIZON COMMUNICATN</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>92343V104</cusip>
		<value>276</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5307</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5307</None>
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	<infoTable>
		<nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>254687106</cusip>
		<value>896</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5783</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5783</None>
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	<infoTable>
		<nameOfIssuer>WILLIAMS SONOMA</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>969904101</cusip>
		<value>1521</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8995</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8995</None>
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	<infoTable>
		<nameOfIssuer>INFOSYS LTD            FSPONSO</nameOfIssuer>
		<titleOfClass>ADR</titleOfClass>
		<cusip>456788108</cusip>
		<value>202</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>8000</None>
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		<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>
	</infoTable>
	<infoTable>
		<nameOfIssuer>NOVO-NORDISK A S       FSPONSO</nameOfIssuer>
		<titleOfClass>ADR</titleOfClass>
		<cusip>670100205</cusip>
		<value>6073</value>
		<shrsOrPrnAmt>
			<sshPrnamt>54225</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>54225</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UNILEVER PLC           FSPONSO</nameOfIssuer>
		<titleOfClass>ADR</titleOfClass>
		<cusip>904767704</cusip>
		<value>2212</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41130</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>00162Q452</cusip>
		<value>681</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20803</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>20803</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHARLES SCHWAB US MC    ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>808524508</cusip>
		<value>5116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>63610</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>63610</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST DJ SEL      MICROC</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>33718M105</cusip>
		<value>200</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3131</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3131</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FIRST TRUST MORNINGSTAR DIV L </nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>336917109</cusip>
		<value>326</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9170</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLOBAL X AUTONOM        ELECTR</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37954Y624</cusip>
		<value>1987</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65096</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>65096</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLOBAL X INTERNET OF    THINGS</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37954Y780</cusip>
		<value>2086</value>
		<shrsOrPrnAmt>
			<sshPrnamt>53290</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>53290</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLOBAL X LITHIUM BATTERYTECH E</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37954Y855</cusip>
		<value>1875</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22211</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>22211</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>GLOBAL X US INFRA       DVLPMN</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>37954Y673</cusip>
		<value>2121</value>
		<shrsOrPrnAmt>
			<sshPrnamt>73662</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>73662</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>INVESCO S&amp;P 500 EQUAL   WEIGHT</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>46137V357</cusip>
		<value>1549</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9520</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9520</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES CORE HIGH       DIVIDE</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>46429B663</cusip>
		<value>332</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3283</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3283</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES CORE S&amp;P 500    ETF</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287200</cusip>
		<value>8116</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17016</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17016</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES CORE S&amp;P MID CAPETF IV</nameOfIssuer>
		<titleOfClass>ETF</titleOfClass>
		<cusip>464287507</cusip>
		<value>7489</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<otherManager>0</otherManager>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>26455</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ISHARES CORE S&amp;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&amp;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&amp;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&amp;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&amp;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&amp;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>
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		<nameOfIssuer>VANGUARD TOTAL STOCK    MARKET</nameOfIssuer>
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		<nameOfIssuer>ISHARES INTERNATIONAL   SEL DI</nameOfIssuer>
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		<cusip>464288448</cusip>
		<value>672</value>
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		<cusip>46434V274</cusip>
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		<cusip>808524706</cusip>
		<value>2648</value>
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		<value>661</value>
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