<SEC-DOCUMENT>0001879202-24-000043.txt : 20240814 <SEC-HEADER>0001879202-24-000043.hdr.sgml : 20240814 <ACCEPTANCE-DATETIME>20240814141546 ACCESSION NUMBER: 0001879202-24-000043 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20240630 FILED AS OF DATE: 20240814 DATE AS OF CHANGE: 20240814 EFFECTIVENESS DATE: 20240814 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Fort Point Capital Partners LLC CENTRAL INDEX KEY: 0001589282 ORGANIZATION NAME: IRS NUMBER: 261899356 STATE OF INCORPORATION: CA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16070 FILM NUMBER: 241206412 BUSINESS ADDRESS: STREET 1: 275 SACRAMENTO ST STREET 2: 8TH FLOOR CITY: SAN FRANCISCO STATE: CA ZIP: 94111 BUSINESS PHONE: 4156456503 MAIL ADDRESS: STREET 1: 275 SACRAMENTO ST STREET 2: 8TH FLOOR CITY: SAN FRANCISCO STATE: CA ZIP: 94111 FORMER COMPANY: FORMER CONFORMED NAME: Fort Point Capital Partners, LLC DATE OF NAME CHANGE: 20131016 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</votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NIKE INC</nameOfIssuer> <titleOfClass>CL B</titleOfClass> <cusip>654106103</cusip> <value>435949</value> <shrsOrPrnAmt> <sshPrnamt>5784</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5784</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>666807102</cusip> <value>451349</value> <shrsOrPrnAmt> <sshPrnamt>1035</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1035</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>NRG ENERGY INC</nameOfIssuer> <titleOfClass>COM NEW</titleOfClass> <cusip>629377508</cusip> <value>494255</value> <shrsOrPrnAmt> <sshPrnamt>6348</sshPrnamt> 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INCOM</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>723762100</cusip> <value>211087</value> <shrsOrPrnAmt> <sshPrnamt>25711</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>25711</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PLUM ACQUISITION CORP III</nameOfIssuer> <titleOfClass>*W EXP 03/31/202</titleOfClass> <cusip>G63290103</cusip> <value>2625</value> <shrsOrPrnAmt> <sshPrnamt>37500</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>37500</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PRIMO WATER CORPORATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>74167P108</cusip> <value>3392541</value> <shrsOrPrnAmt> <sshPrnamt>155194</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>155194</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>742718109</cusip> <value>443305</value> <shrsOrPrnAmt> <sshPrnamt>2688</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2688</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>PROSHARES TR</nameOfIssuer> <titleOfClass>ULTRPRO S&P500</titleOfClass> <cusip>74347X864</cusip> <value>685413</value> <shrsOrPrnAmt> <sshPrnamt>8920</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8920</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>QUALCOMM INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>747525103</cusip> <value>392472</value> <shrsOrPrnAmt> <sshPrnamt>1970</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1970</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>773903109</cusip> <value>354561</value> <shrsOrPrnAmt> <sshPrnamt>1288</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1288</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>RTX CORPORATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>75513E101</cusip> <value>410093</value> <shrsOrPrnAmt> <sshPrnamt>4085</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4085</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>S&P GLOBAL INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>78409V104</cusip> <value>1457974</value> <shrsOrPrnAmt> <sshPrnamt>3269</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3269</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SALESFORCE INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>79466L302</cusip> <value>549423</value> <shrsOrPrnAmt> <sshPrnamt>2137</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2137</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SAP SE</nameOfIssuer> <titleOfClass>SPON ADR</titleOfClass> <cusip>803054204</cusip> <value>201710</value> <shrsOrPrnAmt> <sshPrnamt>1000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US LCAP VA ETF</titleOfClass> <cusip>808524409</cusip> <value>546181</value> <shrsOrPrnAmt> <sshPrnamt>7373</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7373</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>INTL EQTY ETF</titleOfClass> <cusip>808524805</cusip> <value>11618964</value> <shrsOrPrnAmt> <sshPrnamt>302420</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>302420</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US SML CAP ETF</titleOfClass> <cusip>808524607</cusip> <value>5351594</value> <shrsOrPrnAmt> <sshPrnamt>112784</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>112784</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>US MID-CAP ETF</titleOfClass> <cusip>808524508</cusip> <value>715880</value> <shrsOrPrnAmt> <sshPrnamt>9198</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9198</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer> <titleOfClass>EMRG MKTEQ ETF</titleOfClass> <cusip>808524706</cusip> <value>1698512</value> <shrsOrPrnAmt> <sshPrnamt>63950</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>63950</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>SBI HEALTHCARE</titleOfClass> <cusip>81369Y209</cusip> <value>825820</value> <shrsOrPrnAmt> <sshPrnamt>5666</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>5666</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>COMMUNICATION</titleOfClass> <cusip>81369Y852</cusip> <value>1268796</value> <shrsOrPrnAmt> <sshPrnamt>14812</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14812</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>TECHNOLOGY</titleOfClass> <cusip>81369Y803</cusip> <value>2436872</value> <shrsOrPrnAmt> <sshPrnamt>10772</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>10772</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>SBI CONS DISCR</titleOfClass> <cusip>81369Y407</cusip> <value>1196210</value> <shrsOrPrnAmt> <sshPrnamt>6558</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6558</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer> <titleOfClass>ENERGY</titleOfClass> <cusip>81369Y506</cusip> <value>1939002</value> <shrsOrPrnAmt> <sshPrnamt>21273</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>21273</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>824348106</cusip> <value>836201</value> <shrsOrPrnAmt> <sshPrnamt>2802</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2802</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SNAP ON INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>833034101</cusip> <value>305826</value> <shrsOrPrnAmt> <sshPrnamt>1170</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1170</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SONY GROUP CORP</nameOfIssuer> <titleOfClass>SPONSORED ADR</titleOfClass> <cusip>835699307</cusip> <value>295116</value> <shrsOrPrnAmt> <sshPrnamt>3474</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3474</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer> <titleOfClass>UT SER 1</titleOfClass> <cusip>78467X109</cusip> <value>1041660</value> <shrsOrPrnAmt> <sshPrnamt>2663</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2663</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR GOLD TR</nameOfIssuer> <titleOfClass>GOLD SHS</titleOfClass> <cusip>78463V107</cusip> <value>2803730</value> <shrsOrPrnAmt> <sshPrnamt>13040</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13040</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer> <titleOfClass>PORTFOLIO DEVLPD</titleOfClass> <cusip>78463X889</cusip> <value>8418814</value> <shrsOrPrnAmt> <sshPrnamt>239989</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>239989</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer> <titleOfClass>PORTFOLIO EMG MK</titleOfClass> <cusip>78463X509</cusip> <value>7456190</value> <shrsOrPrnAmt> <sshPrnamt>197934</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>197934</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF TR</nameOfIssuer> <titleOfClass>TR UNIT</titleOfClass> <cusip>78462F103</cusip> <value>2721100</value> <shrsOrPrnAmt> <sshPrnamt>5000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <putCall>Put</putCall> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>0</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR S&P 500 ETF TR</nameOfIssuer> <titleOfClass>TR UNIT</titleOfClass> <cusip>78462F103</cusip> <value>84791981</value> <shrsOrPrnAmt> <sshPrnamt>155805</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>155805</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>PORTFOLI S&P1500</titleOfClass> <cusip>78464A805</cusip> <value>244102</value> <shrsOrPrnAmt> <sshPrnamt>3679</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3679</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P DIVID ETF</titleOfClass> <cusip>78464A763</cusip> <value>963219</value> <shrsOrPrnAmt> <sshPrnamt>7574</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7574</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>PORT MTG BK ETF</titleOfClass> <cusip>78464A383</cusip> <value>1045002</value> <shrsOrPrnAmt> <sshPrnamt>48447</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>48447</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P KENSHO FUTRE</titleOfClass> <cusip>78468R671</cusip> <value>425500</value> <shrsOrPrnAmt> <sshPrnamt>7520</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7520</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass> <cusip>78468R663</cusip> <value>25874640</value> <shrsOrPrnAmt> <sshPrnamt>281920</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>281920</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P SEMICNDCTR</titleOfClass> <cusip>78464A862</cusip> <value>899342</value> <shrsOrPrnAmt> <sshPrnamt>3634</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3634</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>MSCI USA STRTGIC</titleOfClass> <cusip>78468R812</cusip> <value>1165700</value> <shrsOrPrnAmt> <sshPrnamt>7906</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7906</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>NUVEEN BLOOMBERG</titleOfClass> <cusip>78464A284</cusip> <value>348223</value> <shrsOrPrnAmt> <sshPrnamt>13688</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13688</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>COMP SOFTWARE</titleOfClass> <cusip>78464A599</cusip> <value>1405737</value> <shrsOrPrnAmt> <sshPrnamt>9303</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9303</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>PRTFLO S&P500 VL</titleOfClass> <cusip>78464A508</cusip> <value>620619</value> <shrsOrPrnAmt> <sshPrnamt>12733</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12733</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P 400 MDCP VAL</titleOfClass> <cusip>78464A839</cusip> <value>343807</value> <shrsOrPrnAmt> <sshPrnamt>4714</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4714</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P CAP MKTS</titleOfClass> <cusip>78464A771</cusip> <value>861161</value> <shrsOrPrnAmt> <sshPrnamt>7808</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7808</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>S&P 500 ESG ETF</titleOfClass> <cusip>78468R531</cusip> <value>650812</value> <shrsOrPrnAmt> <sshPrnamt>12256</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>12256</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SPDR SER TR</nameOfIssuer> <titleOfClass>PORTFOLIO LN TSR</titleOfClass> <cusip>78464A664</cusip> <value>5583635</value> <shrsOrPrnAmt> <sshPrnamt>205130</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>205130</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer> <titleOfClass>SPDR SSGA US SCT</titleOfClass> <cusip>78470P408</cusip> <value>338673</value> <shrsOrPrnAmt> <sshPrnamt>6655</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6655</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>859241101</cusip> <value>236680</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>STOKE THERAPEUTICS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>86150R107</cusip> <value>1019046</value> <shrsOrPrnAmt> <sshPrnamt>75429</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>75429</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>863667101</cusip> <value>212316</value> <shrsOrPrnAmt> <sshPrnamt>624</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>624</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TESLA INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>88160R101</cusip> <value>1654277</value> <shrsOrPrnAmt> <sshPrnamt>8360</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8360</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>882508104</cusip> <value>337315</value> <shrsOrPrnAmt> <sshPrnamt>1734</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1734</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>125523100</cusip> <value>294868</value> <shrsOrPrnAmt> <sshPrnamt>892</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>892</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer> <titleOfClass>COM CL A</titleOfClass> <cusip>88339J105</cusip> <value>309126</value> <shrsOrPrnAmt> <sshPrnamt>3165</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3165</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TJX COS INC NEW</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>872540109</cusip> <value>449979</value> <shrsOrPrnAmt> <sshPrnamt>4087</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4087</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer> <titleOfClass>SHS</titleOfClass> <cusip>G8994E103</cusip> <value>215778</value> <shrsOrPrnAmt> <sshPrnamt>656</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>656</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNION PAC CORP</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>907818108</cusip> <value>340309</value> <shrsOrPrnAmt> <sshPrnamt>1504</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1504</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>91324P102</cusip> <value>814847</value> <shrsOrPrnAmt> <sshPrnamt>1600</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1600</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer> <titleOfClass>HIGH YLD MUNIETF</titleOfClass> <cusip>92189H409</cusip> <value>758015</value> <shrsOrPrnAmt> <sshPrnamt>14676</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14676</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer> <titleOfClass>SEMICONDUCTR ETF</titleOfClass> <cusip>92189F676</cusip> <value>648622</value> <shrsOrPrnAmt> <sshPrnamt>2488</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2488</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL BND MRKT</titleOfClass> <cusip>921937835</cusip> <value>290866</value> <shrsOrPrnAmt> <sshPrnamt>4037</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4037</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>MID CAP ETF</titleOfClass> <cusip>922908629</cusip> <value>4000801</value> <shrsOrPrnAmt> <sshPrnamt>16525</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>16525</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>SMALL CP ETF</titleOfClass> <cusip>922908751</cusip> <value>1973480</value> <shrsOrPrnAmt> <sshPrnamt>9051</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>9051</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>TOTAL STK MKT</titleOfClass> <cusip>922908769</cusip> <value>3061919</value> <shrsOrPrnAmt> <sshPrnamt>11446</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>11446</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>S&P 500 ETF SHS</titleOfClass> <cusip>922908363</cusip> <value>34562369</value> <shrsOrPrnAmt> <sshPrnamt>69107</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>69107</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer> <titleOfClass>VALUE ETF</titleOfClass> <cusip>922908744</cusip> <value>502725</value> <shrsOrPrnAmt> <sshPrnamt>3134</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>3134</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE PACIFIC ETF</titleOfClass> <cusip>922042866</cusip> <value>322906</value> <shrsOrPrnAmt> <sshPrnamt>4353</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>4353</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>FTSE EMR MKT ETF</titleOfClass> <cusip>922042858</cusip> <value>6546398</value> <shrsOrPrnAmt> <sshPrnamt>149598</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>149598</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer> <titleOfClass>ALLWRLD EX US</titleOfClass> <cusip>922042775</cusip> <value>790936</value> <shrsOrPrnAmt> <sshPrnamt>13488</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13488</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer> <titleOfClass>TAX EXEMPT BD</titleOfClass> <cusip>922907746</cusip> <value>16522910</value> <shrsOrPrnAmt> <sshPrnamt>329733</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>329733</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>TOTAL CORP BND</titleOfClass> <cusip>92206C573</cusip> <value>1154762</value> <shrsOrPrnAmt> <sshPrnamt>15254</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>15254</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>LONG TERM TREAS</titleOfClass> <cusip>92206C847</cusip> <value>5770712</value> <shrsOrPrnAmt> <sshPrnamt>100047</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>100047</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer> <titleOfClass>MTG-BKD SECS ETF</titleOfClass> <cusip>92206C771</cusip> <value>2126659</value> <shrsOrPrnAmt> <sshPrnamt>46843</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>46843</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer> <titleOfClass>DIV APP ETF</titleOfClass> <cusip>921908844</cusip> <value>375140</value> <shrsOrPrnAmt> <sshPrnamt>2055</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2055</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer> <titleOfClass>VAN FTSE DEV MKT</titleOfClass> <cusip>921943858</cusip> <value>21154089</value> <shrsOrPrnAmt> <sshPrnamt>428047</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>428047</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer> <titleOfClass>INTL HIGH ETF</titleOfClass> <cusip>921946794</cusip> <value>8853070</value> <shrsOrPrnAmt> <sshPrnamt>129185</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>129185</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>EXTENDED DUR</titleOfClass> <cusip>921910709</cusip> <value>2019956</value> <shrsOrPrnAmt> <sshPrnamt>27516</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>27516</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>INF TECH ETF</titleOfClass> <cusip>92204A702</cusip> <value>291299</value> <shrsOrPrnAmt> <sshPrnamt>505</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>505</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer> <titleOfClass>CONSUM DIS ETF</titleOfClass> <cusip>92204A108</cusip> <value>219256</value> <shrsOrPrnAmt> <sshPrnamt>702</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>702</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VEEVA SYS INC</nameOfIssuer> <titleOfClass>CL A COM</titleOfClass> <cusip>922475108</cusip> <value>2609174</value> <shrsOrPrnAmt> <sshPrnamt>14257</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>14257</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92343V104</cusip> <value>286618</value> <shrsOrPrnAmt> <sshPrnamt>6950</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6950</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>92532F100</cusip> <value>248422</value> <shrsOrPrnAmt> <sshPrnamt>530</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>530</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VICTORY CAP HLDGS INC</nameOfIssuer> <titleOfClass>COM CL A</titleOfClass> <cusip>92645B103</cusip> <value>313872</value> <shrsOrPrnAmt> <sshPrnamt>6576</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>6576</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer> <titleOfClass>VS NASDQ NXT 50</titleOfClass> <cusip>92647X806</cusip> <value>202090</value> <shrsOrPrnAmt> <sshPrnamt>7000</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7000</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer> <titleOfClass>VCSHS US LRG CAP</titleOfClass> <cusip>92647N865</cusip> <value>830317</value> <shrsOrPrnAmt> <sshPrnamt>13600</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>13600</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VILLAGE SUPER MKT INC</nameOfIssuer> <titleOfClass>CL A NEW</titleOfClass> <cusip>927107409</cusip> <value>234811</value> <shrsOrPrnAmt> <sshPrnamt>8891</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8891</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>VISA INC</nameOfIssuer> <titleOfClass>COM CL A</titleOfClass> <cusip>92826C839</cusip> <value>2088474</value> <shrsOrPrnAmt> <sshPrnamt>7957</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7957</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WALMART INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>931142103</cusip> <value>1183696</value> <shrsOrPrnAmt> <sshPrnamt>17482</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>17482</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>94106L109</cusip> <value>572605</value> <shrsOrPrnAmt> <sshPrnamt>2684</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2684</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>949746101</cusip> <value>506834</value> <shrsOrPrnAmt> <sshPrnamt>8534</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>8534</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WESTERN ASSET INTER MUNI FD</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>958435109</cusip> <value>481629</value> <shrsOrPrnAmt> <sshPrnamt>61276</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>61276</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WESTERN ASSET MANAGED MUNS F</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>95766M105</cusip> <value>963730</value> <shrsOrPrnAmt> <sshPrnamt>93114</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>93114</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE TR</nameOfIssuer> <titleOfClass>US HIGH DIVIDEND</titleOfClass> <cusip>97717W208</cusip> <value>242689</value> <shrsOrPrnAmt> <sshPrnamt>2869</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2869</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WISDOMTREE TR</nameOfIssuer> <titleOfClass>US QTLY DIV GRT</titleOfClass> <cusip>97717X669</cusip> <value>1427490</value> <shrsOrPrnAmt> <sshPrnamt>18289</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>18289</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>WORKDAY INC</nameOfIssuer> <titleOfClass>CL A</titleOfClass> <cusip>98138H101</cusip> <value>1661274</value> <shrsOrPrnAmt> <sshPrnamt>7431</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>7431</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>YUM BRANDS INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>988498101</cusip> <value>286776</value> <shrsOrPrnAmt> <sshPrnamt>2165</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>2165</None> </votingAuthority> </infoTable> <infoTable> <nameOfIssuer>ZSCALER INC</nameOfIssuer> <titleOfClass>COM</titleOfClass> <cusip>98980G102</cusip> <value>273871</value> <shrsOrPrnAmt> <sshPrnamt>1425</sshPrnamt> <sshPrnamtType>SH</sshPrnamtType> </shrsOrPrnAmt> <investmentDiscretion>SOLE</investmentDiscretion> <votingAuthority> <Sole>0</Sole> <Shared>0</Shared> <None>1425</None> </votingAuthority> </infoTable> </informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>