<SEC-DOCUMENT>0001951757-23-000201.txt : 20230420 <SEC-HEADER>0001951757-23-000201.hdr.sgml : 20230420 <ACCEPTANCE-DATETIME>20230420151748 ACCESSION NUMBER: 0001951757-23-000201 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20230331 FILED AS OF DATE: 20230420 DATE AS OF CHANGE: 20230420 EFFECTIVENESS DATE: 20230420 FILER: COMPANY DATA: COMPANY CONFORMED NAME: WealthOne, LLC CENTRAL INDEX KEY: 0001763608 IRS NUMBER: 050558883 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-19406 FILM NUMBER: 23832867 BUSINESS ADDRESS: STREET 1: 6 TOWER PLACE CITY: ALBANY STATE: NY ZIP: 12203 BUSINESS PHONE: 5188674000 MAIL ADDRESS: STREET 1: 6 TOWER PLACE CITY: ALBANY STATE: NY ZIP: 12203 FORMER COMPANY: FORMER CONFORMED NAME: Wealthpoint, LLC DATE OF NAME CHANGE: 20210726 FORMER COMPANY: FORMER CONFORMED NAME: Capital Financial Planning, LLC DATE OF NAME CHANGE: 20190104 </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"> <schemaVersion>X0202</schemaVersion> <headerData> <submissionType>13F-HR</submissionType> <filerInfo> <liveTestFlag>LIVE</liveTestFlag> <flags> <confirmingCopyFlag>false</confirmingCopyFlag> <returnCopyFlag>false</returnCopyFlag> <overrideInternetFlag>false</overrideInternetFlag> </flags> <filer> <credentials> <cik>0001763608</cik> <ccc>XXXXXXXX</ccc> </credentials> </filer> <periodOfReport>03-31-2023</periodOfReport> </filerInfo> </headerData> <formData> <coverPage> <reportCalendarOrQuarter>03-31-2023</reportCalendarOrQuarter> <filingManager> <name>WealthOne, LLC</name> <address> <com:street1>6 TOWER PLACE</com:street1> <com:city>ALBANY</com:city> <com:stateOrCountry>NY</com:stateOrCountry> <com:zipCode>12203</com:zipCode> </address> </filingManager> <reportType>13F HOLDINGS REPORT</reportType> <form13FFileNumber>028-19406</form13FFileNumber> <provideInfoForInstruction5>N</provideInfoForInstruction5> </coverPage> <signatureBlock> <name>TODD A. SLINGERLAND</name> <title>MANAGING MEMBER, CHIEF COMPLIANCE OFFICER</title> <phone>(518) 867-4000</phone> <signature>TODD A. SLINGERLAND</signature> <city>ALBANY</city> <stateOrCountry>NY</stateOrCountry> <signatureDate>04-20-2023</signatureDate> </signatureBlock> <summaryPage> <otherIncludedManagersCount>4</otherIncludedManagersCount> <tableEntryTotal>104</tableEntryTotal> <tableValueTotal>256078884</tableValueTotal> <isConfidentialOmitted>false</isConfidentialOmitted> <otherManagers2Info> <otherManager2> <sequenceNumber>1</sequenceNumber> <otherManager> <name>CITY NATIONAL ROCHDALE</name> </otherManager> </otherManager2> <otherManager2> <sequenceNumber>2</sequenceNumber> <otherManager> <name>CLARK CAPITAL</name> </otherManager> </otherManager2> <otherManager2> <sequenceNumber>3</sequenceNumber> <otherManager> <name>NEUBERGER BERMAN</name> </otherManager> </otherManager2> <otherManager2> <sequenceNumber>4</sequenceNumber> <otherManager> <name>ASSETMARK</name> </otherManager> </otherManager2> </otherManagers2Info> </summaryPage> </formData> </edgarSubmission> </XML> </TEXT> </DOCUMENT> <DOCUMENT> <TYPE>INFORMATION TABLE <SEQUENCE>2 <FILENAME>F_13F_Wealthone_Q12023.xml <TEXT> <XML> <?xml version="1.0" encoding="UTF-8" standalone="yes"?> <ns1:informationTable xmlns:ns1="http://www.sec.gov/edgar/document/thirteenf/informationtable"> <ns1:infoTable> <ns1:nameOfIssuer>INTERNATIONAL BUSINESS MACHS</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>459200101</ns1:cusip> <ns1:value>315111</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2404</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2404</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PEPSICO INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>713448108</ns1:cusip> <ns1:value>242560</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1331</ns1:sshPrnamt> 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<ns1:infoTable> <ns1:nameOfIssuer>TESLA INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>88160R101</ns1:cusip> <ns1:value>459522</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2215</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>3</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2215</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES INC</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI EURZONE ETF</ns1:titleOfClass> <ns1:cusip>464286608</ns1:cusip> <ns1:value>304515</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6755</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> 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<ns1:cusip>464288752</ns1:cusip> <ns1:value>295499</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4204</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4204</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>US BR DEL SE ETF</ns1:titleOfClass> <ns1:cusip>464288794</ns1:cusip> <ns1:value>293248</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3200</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3200</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WORLD 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<ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1897</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>SMALL CP ETF</ns1:titleOfClass> <ns1:cusip>922908751</ns1:cusip> <ns1:value>5760468</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>30389</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>30389</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE MSCI EAFE</ns1:titleOfClass> <ns1:cusip>46432F842</ns1:cusip> <ns1:value>1738976</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>26013</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>26013</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES INC</ns1:nameOfIssuer> <ns1:titleOfClass>CORE MSCI EMKT</ns1:titleOfClass> <ns1:cusip>46434G103</ns1:cusip> <ns1:value>2382200</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>48826</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>48826</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE DIV GRWTH</ns1:titleOfClass> <ns1:cusip>46434V621</ns1:cusip> <ns1:value>9120682</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>182450</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>182450</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>REGENERON PHARMACEUTICALS</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>75886F107</ns1:cusip> <ns1:value>244036</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>297</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>297</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer> <ns1:titleOfClass>BLOOMBERG 1-3 MO</ns1:titleOfClass> <ns1:cusip>78468R663</ns1:cusip> <ns1:value>675893</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7361</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7361</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>SBI HEALTHCARE</ns1:titleOfClass> <ns1:cusip>81369Y209</ns1:cusip> <ns1:value>4735945</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>36582</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>36582</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>SBI CONS STPLS</ns1:titleOfClass> <ns1:cusip>81369Y308</ns1:cusip> <ns1:value>1970767</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>26379</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>26379</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>SBI CONS DISCR</ns1:titleOfClass> <ns1:cusip>81369Y407</ns1:cusip> <ns1:value>8301595</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>55514</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>55514</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>TECHNOLOGY</ns1:titleOfClass> <ns1:cusip>81369Y803</ns1:cusip> <ns1:value>10553995</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>69890</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>69890</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>COMMUNICATION</ns1:titleOfClass> <ns1:cusip>81369Y852</ns1:cusip> <ns1:value>3024767</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>52178</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>52178</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>SBI INT-UTILS</ns1:titleOfClass> <ns1:cusip>81369Y886</ns1:cusip> <ns1:value>668629</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>9878</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>9878</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>COCA COLA CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>191216100</ns1:cusip> <ns1:value>288005</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4643</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4643</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DISNEY WALT CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>254687106</ns1:cusip> <ns1:value>276974</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2766</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2766</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>HOME DEPOT INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>437076102</ns1:cusip> <ns1:value>278627</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>944</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>944</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE S&P500 ETF</ns1:titleOfClass> <ns1:cusip>464287200</ns1:cusip> <ns1:value>774655</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1884</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1884</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>AT&T INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>00206R102</ns1:cusip> <ns1:value>229880</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>11942</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>11942</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VISA INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM CL A</ns1:titleOfClass> <ns1:cusip>92826C839</ns1:cusip> <ns1:value>225335</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>999</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>999</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>MICROSOFT CORP</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>594918104</ns1:cusip> <ns1:value>4018072</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13937</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>13937</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PFIZER INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>717081103</ns1:cusip> <ns1:value>306779</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7519</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7519</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PROCTER AND GAMBLE CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>742718109</ns1:cusip> <ns1:value>550152</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3700</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3700</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ALPHABET INC</ns1:nameOfIssuer> <ns1:titleOfClass>CAP STK CL A</ns1:titleOfClass> <ns1:cusip>02079K305</ns1:cusip> <ns1:value>490643</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4730</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4730</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>CISCO SYS INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>17275R102</ns1:cusip> <ns1:value>283172</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5417</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5417</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>IBOXX HI YD ETF</ns1:titleOfClass> <ns1:cusip>464288513</ns1:cusip> <ns1:value>412935</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5466</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5466</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>MID CAP ETF</ns1:titleOfClass> <ns1:cusip>922908629</ns1:cusip> <ns1:value>9351942</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>44339</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>44339</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VERIZON COMMUNICATIONS INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>92343V104</ns1:cusip> <ns1:value>464779</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>11951</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>11951</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>MCDONALDS CORP</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>580135101</ns1:cusip> <ns1:value>279985</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1001</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1,2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1001</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>JPMORGAN CHASE & CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>46625H100</ns1:cusip> <ns1:value>344677</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2645</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>1,2</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2645</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>7-10 YR TRSY BD</ns1:titleOfClass> <ns1:cusip>464287440</ns1:cusip> <ns1:value>1493407</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>15067</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>15067</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>META PLATFORMS INC</ns1:nameOfIssuer> <ns1:titleOfClass>CL A</ns1:titleOfClass> <ns1:cusip>30303M102</ns1:cusip> <ns1:value>224656</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1060</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1060</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFLI INTRMDIT</ns1:titleOfClass> <ns1:cusip>78464A672</ns1:cusip> <ns1:value>956583</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>33054</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>DFND</ns1:investmentDiscretion> <ns1:otherManager>2, 4</ns1:otherManager> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>33054</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ADVANCED MICRO DEVICES INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>007903107</ns1:cusip> <ns1:value>210231</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2145</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2145</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>AIRBNB INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM CL A</ns1:titleOfClass> <ns1:cusip>009066101</ns1:cusip> <ns1:value>331900</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2668</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2668</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>AMAZON COM INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>023135106</ns1:cusip> <ns1:value>880239</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8522</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>8522</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ELEVANCE HEALTH INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>036752103</ns1:cusip> <ns1:value>479645</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1043</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1043</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>APPLE INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>037833100</ns1:cusip> <ns1:value>15512121</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>94070</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>94070</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>AUTOMATIC DATA PROCESSING IN</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>053015103</ns1:cusip> <ns1:value>356208</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1600</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1600</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</ns1:nameOfIssuer> <ns1:titleOfClass>CL B NEW</ns1:titleOfClass> <ns1:cusip>084670702</ns1:cusip> <ns1:value>1156347</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3745</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3745</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>GENERAL ELECTRIC CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM NEW</ns1:titleOfClass> <ns1:cusip>369604301</ns1:cusip> <ns1:value>359836</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>3764</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>3764</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>HERSHEY CO</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>427866108</ns1:cusip> <ns1:value>274385</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1079</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1079</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI EMG MKT ETF</ns1:titleOfClass> <ns1:cusip>464287234</ns1:cusip> <ns1:value>661172</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>16756</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>16756</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>MSCI EAFE ETF</ns1:titleOfClass> <ns1:cusip>464287465</ns1:cusip> <ns1:value>428479</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5991</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5991</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE S&P SCP ETF</ns1:titleOfClass> <ns1:cusip>464287804</ns1:cusip> <ns1:value>1648617</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>17049</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>17049</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>NATIONAL MUN ETF</ns1:titleOfClass> <ns1:cusip>464288414</ns1:cusip> <ns1:value>288103</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2674</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2674</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>NUVASIVE INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>670704105</ns1:cusip> <ns1:value>279958</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6777</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>6777</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WORLD FD</ns1:nameOfIssuer> <ns1:titleOfClass>MEGA CAP INDEX</ns1:titleOfClass> <ns1:cusip>921910873</ns1:cusip> <ns1:value>814575</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>5691</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>5691</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD TAX-MANAGED FDS</ns1:nameOfIssuer> <ns1:titleOfClass>VAN FTSE DEV MKT</ns1:titleOfClass> <ns1:cusip>921943858</ns1:cusip> <ns1:value>221062</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4894</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4894</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>GROWTH ETF</ns1:titleOfClass> <ns1:cusip>922908736</ns1:cusip> <ns1:value>35307121</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>141546</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>141546</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>VALUE ETF</ns1:titleOfClass> <ns1:cusip>922908744</ns1:cusip> <ns1:value>45658071</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>330592</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>330592</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD INDEX FDS</ns1:nameOfIssuer> <ns1:titleOfClass>TOTAL STK MKT</ns1:titleOfClass> <ns1:cusip>922908769</ns1:cusip> <ns1:value>3057547</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>14981</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>14981</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>US EQUITY ETF</ns1:titleOfClass> <ns1:cusip>25434V401</ns1:cusip> <ns1:value>2464273</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>55464</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>55464</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>US SMALL CAP ETF</ns1:titleOfClass> <ns1:cusip>25434V500</ns1:cusip> <ns1:value>458193</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>8694</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>8694</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>US CORE EQUITY 2</ns1:titleOfClass> <ns1:cusip>25434V708</ns1:cusip> <ns1:value>576358</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>22620</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>22620</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>US MKTWIDE VALUE</ns1:titleOfClass> <ns1:cusip>25434V724</ns1:cusip> <ns1:value>712630</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>21285</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>21285</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>INTERNATNAL VAL</ns1:titleOfClass> <ns1:cusip>25434V807</ns1:cusip> <ns1:value>468787</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>14545</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>14545</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>DIMENSIONAL ETF TRUST</ns1:nameOfIssuer> <ns1:titleOfClass>WORLD EX US CORE</ns1:titleOfClass> <ns1:cusip>25434V880</ns1:cusip> <ns1:value>294846</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>12786</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>12786</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ETF MANAGERS TR</ns1:nameOfIssuer> <ns1:titleOfClass>PRIME MOBILE PAY</ns1:titleOfClass> <ns1:cusip>26924G409</ns1:cusip> <ns1:value>304064</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7297</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7297</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</ns1:nameOfIssuer> <ns1:titleOfClass>NAS CLNEDG GREEN</ns1:titleOfClass> <ns1:cusip>33733E500</ns1:cusip> <ns1:value>316424</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>6058</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>6058</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</ns1:nameOfIssuer> <ns1:titleOfClass>GBL WND ENRG ETF</ns1:titleOfClass> <ns1:cusip>33736G106</ns1:cusip> <ns1:value>368519</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>20634</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>20634</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</ns1:nameOfIssuer> <ns1:titleOfClass>FST LOW OPPT EFT</ns1:titleOfClass> <ns1:cusip>33739Q200</ns1:cusip> <ns1:value>10533068</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>220035</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>220035</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</ns1:nameOfIssuer> <ns1:titleOfClass>FIRST TR ENH NEW</ns1:titleOfClass> <ns1:cusip>33739Q408</ns1:cusip> <ns1:value>441028</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7411</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7411</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</ns1:nameOfIssuer> <ns1:titleOfClass>TCW OPPORTUNIS</ns1:titleOfClass> <ns1:cusip>33740F805</ns1:cusip> <ns1:value>801385</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>17785</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>17785</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</ns1:nameOfIssuer> <ns1:titleOfClass>TCW SECURITIZED</ns1:titleOfClass> <ns1:cusip>33740U109</ns1:cusip> <ns1:value>531416</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>24467</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>24467</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>GLOBAL X FDS</ns1:nameOfIssuer> <ns1:titleOfClass>AUTONMOUS EV ETF</ns1:titleOfClass> <ns1:cusip>37954Y624</ns1:cusip> <ns1:value>328634</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13785</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>13785</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCHANGE TRADED FD T</ns1:nameOfIssuer> <ns1:titleOfClass>S&P500 EQL UTL</ns1:titleOfClass> <ns1:cusip>46137V274</ns1:cusip> <ns1:value>537419</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>4739</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>4739</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>INVESCO EXCHANGE TRADED FD T</ns1:nameOfIssuer> <ns1:titleOfClass>S&P500 EQL STP</ns1:titleOfClass> <ns1:cusip>46137V373</ns1:cusip> <ns1:value>334521</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1963</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1963</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CORE HIGH DV ETF</ns1:titleOfClass> <ns1:cusip>46429B663</ns1:cusip> <ns1:value>8156719</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>80235</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>80235</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>EXPONENTIAL TECH</ns1:titleOfClass> <ns1:cusip>46434V381</ns1:cusip> <ns1:value>2342250</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>44445</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>44445</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>RUSEL 2500 ETF</ns1:titleOfClass> <ns1:cusip>46435G268</ns1:cusip> <ns1:value>13150147</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>239879</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>239879</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>ISHARES TR</ns1:nameOfIssuer> <ns1:titleOfClass>CYBERSECURITY</ns1:titleOfClass> <ns1:cusip>46435U135</ns1:cusip> <ns1:value>1357073</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>37333</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>37333</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PACER FDS TR</ns1:nameOfIssuer> <ns1:titleOfClass>US CASH COWS 100</ns1:titleOfClass> <ns1:cusip>69374H881</ns1:cusip> <ns1:value>4956827</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>105577</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>105577</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PIMCO ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>INV GRD CRP BD</ns1:titleOfClass> <ns1:cusip>72201R817</ns1:cusip> <ns1:value>7700681</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>80049</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>80049</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>PLUG POWER INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM NEW</ns1:titleOfClass> <ns1:cusip>72919P202</ns1:cusip> <ns1:value>535182</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>45664</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>45664</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR S&P 500 ETF TR</ns1:nameOfIssuer> <ns1:titleOfClass>TR UNIT</ns1:titleOfClass> <ns1:cusip>78462F103</ns1:cusip> <ns1:value>1170861</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2860</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2860</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SPDR SER TR</ns1:nameOfIssuer> <ns1:titleOfClass>PORTFOLIO SHORT</ns1:titleOfClass> <ns1:cusip>78464A474</ns1:cusip> <ns1:value>207859</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>7015</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>7015</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SELECT SECTOR SPDR TR</ns1:nameOfIssuer> <ns1:titleOfClass>FINANCIAL</ns1:titleOfClass> <ns1:cusip>81369Y605</ns1:cusip> <ns1:value>3398152</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>105697</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>105697</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>SIRIUS XM HOLDINGS INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>82968B103</ns1:cusip> <ns1:value>52468</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>13216</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>13216</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WORLD FDS</ns1:nameOfIssuer> <ns1:titleOfClass>CONSUM DIS ETF</ns1:titleOfClass> <ns1:cusip>92204A108</ns1:cusip> <ns1:value>314366</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1245</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1245</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VANGUARD WORLD FDS</ns1:nameOfIssuer> <ns1:titleOfClass>UTILITIES ETF</ns1:titleOfClass> <ns1:cusip>92204A876</ns1:cusip> <ns1:value>244146</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>1655</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>1655</ns1:None> </ns1:votingAuthority> </ns1:infoTable> <ns1:infoTable> <ns1:nameOfIssuer>VERISK ANALYTICS INC</ns1:nameOfIssuer> <ns1:titleOfClass>COM</ns1:titleOfClass> <ns1:cusip>92345Y106</ns1:cusip> <ns1:value>434755</ns1:value> <ns1:shrsOrPrnAmt> <ns1:sshPrnamt>2266</ns1:sshPrnamt> <ns1:sshPrnamtType>SH</ns1:sshPrnamtType> </ns1:shrsOrPrnAmt> <ns1:investmentDiscretion>SOLE</ns1:investmentDiscretion> <ns1:votingAuthority> <ns1:Sole>0</ns1:Sole> <ns1:Shared>0</ns1:Shared> <ns1:None>2266</ns1:None> </ns1:votingAuthority> </ns1:infoTable> </ns1:informationTable> </XML> </TEXT> </DOCUMENT> </SEC-DOCUMENT>