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    <nameOfIssuer>3M Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>3517</value>
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    <nameOfIssuer>Accenture PLC</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>3278</value>
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    <nameOfIssuer>Adobe Systems Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00724F101</cusip>
    <value>5193</value>
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      <sshPrnamt>10589</sshPrnamt>
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      <None>10589</None>
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    <nameOfIssuer>Alphabet Inc. CL A</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>7724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5270</sshPrnamt>
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      <None>5270</None>
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    <nameOfIssuer>Alphabet Inc. CL C</nameOfIssuer>
    <titleOfClass>CL C ADDED</titleOfClass>
    <cusip>02079K107</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>322</None>
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    <nameOfIssuer>Amazon.com Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>11509</value>
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      <sshPrnamt>3655</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3655</None>
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    <nameOfIssuer>Amgen Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>6114</value>
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      <sshPrnamt>24054</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24054</None>
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    <nameOfIssuer>Anheuser-Busch InBev SA</nameOfIssuer>
    <titleOfClass>BULSHS 2027 CB</titleOfClass>
    <cusip>03524A108</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>17187</None>
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    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>5177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44701</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44701</None>
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    <nameOfIssuer>Applied Materials Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>792</value>
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      <sshPrnamt>13314</sshPrnamt>
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    <nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>509</value>
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    <nameOfIssuer>Bank of America Corporation</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>3364</value>
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    <nameOfIssuer>Berkshire Hathaway Inc</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>8577</value>
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    <votingAuthority>
      <Sole>0</Sole>
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    <nameOfIssuer>Biogen Idec Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062X103</cusip>
    <value>3659</value>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12898</None>
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    <nameOfIssuer>BlackRock Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>8522</value>
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      <None>15122</None>
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    <nameOfIssuer>Bristol-Myers Squibb Company</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>3549</value>
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      <None>58868</None>
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    <nameOfIssuer>Canadian National Railway Co</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>1080</value>
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      <sshPrnamt>10147</sshPrnamt>
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    <votingAuthority>
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      <None>10147</None>
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    <nameOfIssuer>Change Healthcare Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>547</value>
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    <nameOfIssuer>Cheniere Energy Inc</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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    <value>757</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>506</value>
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    <nameOfIssuer>CME Group Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>460</value>
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    <value>3239</value>
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    <nameOfIssuer>Coca-Cola Co</nameOfIssuer>
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    <cusip>191216100</cusip>
    <value>590</value>
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    <nameOfIssuer>Comcast Corp</nameOfIssuer>
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    <value>5238</value>
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    <cusip>20451N101</cusip>
    <value>1832</value>
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    <nameOfIssuer>Consumer Discret Sel Sect SPDR(R) ETF</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
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    <titleOfClass>SBI CONS STPLS</titleOfClass>
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    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
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    <nameOfIssuer>Dominion Resources Inc</nameOfIssuer>
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      <None>38905</None>
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    <titleOfClass>CONSMR STAPLES</titleOfClass>
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    <cusip>316092709</cusip>
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      <None>41667</None>
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    <titleOfClass>MSCI INFO TECH I</titleOfClass>
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    <value>6212</value>
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      <Shared>0</Shared>
      <None>67478</None>
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    <nameOfIssuer>Fidelity(R) MSCI Materials ETF</nameOfIssuer>
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    <cusip>316092881</cusip>
    <value>785</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>22843</None>
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    <nameOfIssuer>Fidelity(R) MSCI Telecommunication Svc ETF</nameOfIssuer>
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    <cusip>316092873</cusip>
    <value>1743</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>45167</None>
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    <nameOfIssuer>Fidelity(R) MSCI Utilities ETF</nameOfIssuer>
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    <cusip>316092865</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
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      <Sole>0</Sole>
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      <None>14292</None>
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    <nameOfIssuer>Fifth Third Bancorp</nameOfIssuer>
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    <value>264</value>
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    <votingAuthority>
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      <None>12367</None>
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    <nameOfIssuer>Financial Select Sector SPDR(R) ETF</nameOfIssuer>
    <titleOfClass>SBI INT-FINL</titleOfClass>
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      <sshPrnamt>9747</sshPrnamt>
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      <None>9747</None>
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    <nameOfIssuer>Fortinet, Inc.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>950</value>
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      <sshPrnamt>8061</sshPrnamt>
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    <votingAuthority>
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      <None>8061</None>
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    <nameOfIssuer>General Dynamics Corp</nameOfIssuer>
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    <value>1504</value>
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      <None>10863</None>
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    <nameOfIssuer>General Electric Co</nameOfIssuer>
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    <value>136</value>
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      <sshPrnamt>21861</sshPrnamt>
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      <None>21861</None>
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    <nameOfIssuer>Gilead Sciences Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>912</value>
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      <sshPrnamt>14436</sshPrnamt>
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    <votingAuthority>
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      <None>14436</None>
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    <nameOfIssuer>Guidewire Software Inc</nameOfIssuer>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41035</None>
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    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>481</value>
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      <sshPrnamt>4560</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4560</None>
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    <cusip>437076102</cusip>
    <value>6168</value>
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      <sshPrnamt>22210</sshPrnamt>
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    <votingAuthority>
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      <None>22210</None>
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    <cusip>438516106</cusip>
    <value>3325</value>
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      <sshPrnamt>20197</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20197</None>
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    <nameOfIssuer>Industrial Select Sector SPDR(R) ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1072</value>
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      <sshPrnamt>13929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>13929</None>
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      <sshPrnamt>29640</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>29640</None>
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    <cusip>46138J502</cusip>
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      <sshPrnamt>25103</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>25103</None>
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      <sshPrnamt>41148</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>41148</None>
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    <nameOfIssuer>Invesco BulletShares 2022 Corp Bd ETF</nameOfIssuer>
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    <cusip>46138J882</cusip>
    <value>533</value>
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      <sshPrnamt>24392</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>24392</None>
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      <sshPrnamt>37806</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>37806</None>
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    <nameOfIssuer>Invesco BulletShares 2024 Corp Bd ETF</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>56971</None>
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    <cusip>46138J825</cusip>
    <value>1461</value>
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      <None>65387</None>
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    <nameOfIssuer>Invesco BulletShares 2026 Corp Bd ETF</nameOfIssuer>
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    <cusip>46138J791</cusip>
    <value>575</value>
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      <sshPrnamt>26572</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>26572</None>
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    <nameOfIssuer>Invesco BulletShares 2027 Corp Bd ETF</nameOfIssuer>
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    <cusip>46138J783</cusip>
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      <sshPrnamt>25214</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>25214</None>
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  <infoTable>
    <nameOfIssuer>Invesco Exch Trd Slf Idx Fd Tr Invsco Blsh 28</nameOfIssuer>
    <titleOfClass>INVSCO BLSH 28</titleOfClass>
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    <value>927</value>
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      <sshPrnamt>40102</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40102</None>
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    <nameOfIssuer>INVSC BLTSHRS 2029 CORP BND ETF</nameOfIssuer>
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    <cusip>46138J577</cusip>
    <value>809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>37740</None>
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    <nameOfIssuer>iShares 1-3 Year Treasury Bond</nameOfIssuer>
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    <cusip>464287457</cusip>
    <value>360</value>
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      <sshPrnamt>4158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>4158</None>
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    <nameOfIssuer>iShares Core MSCI Emerging Markets</nameOfIssuer>
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    <cusip>46434G103</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Shared>0</Shared>
      <None>92189</None>
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    <nameOfIssuer>iShares Core S&amp;P 500</nameOfIssuer>
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    <cusip>464287200</cusip>
    <value>2237</value>
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      <sshPrnamt>6655</sshPrnamt>
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      <Shared>0</Shared>
      <None>6655</None>
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    <nameOfIssuer>iShares Core S&amp;P Mid-Cap</nameOfIssuer>
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      <sshPrnamt>17304</sshPrnamt>
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      <Shared>0</Shared>
      <None>17304</None>
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    <nameOfIssuer>iShares Core S&amp;P Small-Cap</nameOfIssuer>
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    <cusip>464287804</cusip>
    <value>7234</value>
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      <Shared>0</Shared>
      <None>103009</None>
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    <nameOfIssuer>iShares Core S&amp;P Total US Stock Mkt</nameOfIssuer>
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    <cusip>464287150</cusip>
    <value>206</value>
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      <sshPrnamt>2732</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Shared>0</Shared>
      <None>2732</None>
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    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
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    <cusip>464287226</cusip>
    <value>5449</value>
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      <sshPrnamt>46152</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>46152</None>
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    <nameOfIssuer>iShares Currency Hedged MSCI EAFE</nameOfIssuer>
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    <cusip>46434V803</cusip>
    <value>7270</value>
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      <None>263967</None>
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    <nameOfIssuer>iShares iBonds Dec 2020 Term Corporate</nameOfIssuer>
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    <cusip>46434VAQ3</cusip>
    <value>934</value>
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      <sshPrnamt>37003</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37003</None>
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    <nameOfIssuer>iShares iBonds Dec 2021 Term Corporate</nameOfIssuer>
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    <cusip>46434VBK5</cusip>
    <value>1263</value>
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      <sshPrnamt>50418</sshPrnamt>
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      <Shared>0</Shared>
      <None>50418</None>
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    <nameOfIssuer>iShares iBonds Dec 2022 Term Corporate</nameOfIssuer>
    <titleOfClass>IBONDS DEC22 ETF</titleOfClass>
    <cusip>46434VBA7</cusip>
    <value>1107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43188</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43188</None>
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  </infoTable>
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    <nameOfIssuer>iShares iBonds Dec 2023 Term Corporate</nameOfIssuer>
    <titleOfClass>IBONDS DEC23 ETF</titleOfClass>
    <cusip>46434VAX8</cusip>
    <value>1291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49219</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49219</None>
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    <nameOfIssuer>iShares iBonds Dec 2024 Term Corporate</nameOfIssuer>
    <titleOfClass>IBONDS DEC24 ETF</titleOfClass>
    <cusip>46434VBG4</cusip>
    <value>1031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38999</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38999</None>
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    <nameOfIssuer>iShares iBonds Dec 2025 Term Corporate</nameOfIssuer>
    <titleOfClass>IBONDS DEC25 ETF</titleOfClass>
    <cusip>46434VBD1</cusip>
    <value>1250</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>Materials Select Sector SPDR(R) ETF</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
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      <None>12524</None>
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      <None>53025</None>
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    <value>2448</value>
    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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      <None>83850</None>
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    <cusip>46138G805</cusip>
    <value>2668</value>
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      <sshPrnamt>80015</sshPrnamt>
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    <nameOfIssuer>PowerShares Dynamic Large Cap Growth ETF</nameOfIssuer>
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    <cusip>46137V746</cusip>
    <value>275</value>
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    <cusip>75513E101</cusip>
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    <value>1189</value>
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      <None>3298</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>6541</sshPrnamt>
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      <None>6541</None>
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    <nameOfIssuer>Schwab US Aggregate Bond ETFA(TM)</nameOfIssuer>
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      <sshPrnamt>52834</sshPrnamt>
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      <None>52834</None>
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    <value>1346</value>
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      <None>16896</None>
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    <cusip>808524201</cusip>
    <value>7317</value>
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      <sshPrnamt>90746</sshPrnamt>
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      <None>90746</None>
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    <cusip>808524508</cusip>
    <value>5824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104971</sshPrnamt>
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      <Shared>0</Shared>
      <None>104971</None>
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    <nameOfIssuer>Schwab US Small-Cap ETFA(TM)</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>4124</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>60364</None>
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    <nameOfIssuer>ServiceNow Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>7060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14556</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14556</None>
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    <nameOfIssuer>SHYFT GROUP ORD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>825698103</cusip>
    <value>566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30000</None>
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    <nameOfIssuer>SPDR(R) Kensho Clean Power ETF</nameOfIssuer>
    <titleOfClass>S&amp;P KENSHO CLEAN</titleOfClass>
    <cusip>78468R655</cusip>
    <value>1146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15725</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15725</None>
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    <nameOfIssuer>SPDR(R) Nuveen Barclays ST Muni Bd ETF</nameOfIssuer>
    <titleOfClass>NUVN BR SHT MUNI</titleOfClass>
    <cusip>78468R739</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8850</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8850</None>
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    <nameOfIssuer>SPDR(R) Nuveen Blmbg Barclays Muni Bd ETF</nameOfIssuer>
    <titleOfClass>NUVEEN BRC MUNIC</titleOfClass>
    <cusip>78468R721</cusip>
    <value>645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12425</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12425</None>
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    <nameOfIssuer>SPDR(R) Portfolio Mortgage Backed Bond ETF</nameOfIssuer>
    <titleOfClass>PORTFLI MORTGAGE</titleOfClass>
    <cusip>78464A383</cusip>
    <value>1553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58311</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58311</None>
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    <nameOfIssuer>SPDR(R) S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2930</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2930</None>
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    <nameOfIssuer>SPDR(R) S&amp;P MidCap 400 ETF</nameOfIssuer>
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    <cusip>78467Y107</cusip>
    <value>9087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26820</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26820</None>
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    <nameOfIssuer>Starbucks Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>2330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27122</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27122</None>
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    <nameOfIssuer>Technology Select Sector SPDR(R) ETF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22275</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22275</None>
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    <nameOfIssuer>U.S. Bancorp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902973304</cusip>
    <value>1568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43727</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43727</None>
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    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8639</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8639</None>
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    <nameOfIssuer>Valero Energy Corp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20019</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20019</None>
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    <nameOfIssuer>Vanguard Consumer Discretionary ETF</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>3028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12908</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12908</None>
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    <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>1965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12029</None>
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    <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>4514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77168</None>
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    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>5539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27151</None>
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    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>2367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16353</None>
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    <nameOfIssuer>Vanguard Materials ETF</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>1987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14758</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Sector Index Fds Vanguard Information Tec</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>7736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24837</None>
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    <nameOfIssuer>Vanguard Small-Cap ETF</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2593</None>
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    <nameOfIssuer>Vanguard Telecommunication Services ETF</nameOfIssuer>
    <titleOfClass>TELCOMM ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>2484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24380</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24380</None>
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    <nameOfIssuer>Vanguard Total Stock Market ETF</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>2181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12806</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12806</None>
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    <nameOfIssuer>Vanguard Utilities ETF</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>1289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9983</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>9983</None>
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    <nameOfIssuer>Veeva Systems Inc</nameOfIssuer>
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    <cusip>922475108</cusip>
    <value>6360</value>
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      <sshPrnamt>22617</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22617</None>
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    <nameOfIssuer>Verizon Communications Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6630</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6630</None>
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    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>4783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23920</None>
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  <infoTable>
    <nameOfIssuer>Wal-Mart Stores Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>446</value>
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      <sshPrnamt>3185</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>3185</None>
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    <nameOfIssuer>Walt Disney Co</nameOfIssuer>
    <titleOfClass>COM DISNEY</titleOfClass>
    <cusip>254687106</cusip>
    <value>5553</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>44750</None>
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    <nameOfIssuer>WisdomTree Dynamic Ccy Hdgd Intl Eq ETF</nameOfIssuer>
    <titleOfClass>CURRNCY INT EQ</titleOfClass>
    <cusip>97717X263</cusip>
    <value>9652</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>379542</None>
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    <nameOfIssuer>WisdomTree EmMkts ex-Stt-Ownd EntrprsETF</nameOfIssuer>
    <titleOfClass>EM EX ST-OWNED</titleOfClass>
    <cusip>97717X578</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22762</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>22762</None>
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  <infoTable>
    <nameOfIssuer>Zimmer Biomet Holdings INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98956P102</cusip>
    <value>1993</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14643</None>
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</informationTable>
