<?xml version="1.0" encoding="UTF-8"?><informationTable xsi:schemaLocation='http://www.sec.gov/edgar/document/thirteenf/informationtable eis_13FDocument.xsd' xmlns='http://www.sec.gov/edgar/document/thirteenf/informationtable' xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance'><infoTable><nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer><titleOfClass>SHS CREATION UNI</titleOfClass><cusip>14020W106</cusip><value>6755956</value><shrsOrPrnAmt><sshPrnamt>158814</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>99219</Sole><Shared>0</Shared><None>59595</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL GROUP GBL GROWTH EQT</nameOfIssuer><titleOfClass>SHS CREATION UNI</titleOfClass><cusip>14020X104</cusip><value>6238044</value><shrsOrPrnAmt><sshPrnamt>186936</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>120517</Sole><Shared>0</Shared><None>66419</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer><titleOfClass>US MULTI-SECTOR</titleOfClass><cusip>14020Y300</cusip><value>2111886</value><shrsOrPrnAmt><sshPrnamt>77557</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>49399</Sole><Shared>0</Shared><None>28158</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer><titleOfClass>RISNG DIVD ACHIV</titleOfClass><cusip>33738R506</cusip><value>5602626</value><shrsOrPrnAmt><sshPrnamt>82054</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52593</Sole><Shared>0</Shared><None>29461</None></votingAuthority></infoTable><infoTable><nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer><titleOfClass>ULTRA SHRT ETF</titleOfClass><cusip>46641Q837</cusip><value>7789475</value><shrsOrPrnAmt><sshPrnamt>153912</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>106038</Sole><Shared>0</Shared><None>47874</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LCAP GR ETF</titleOfClass><cusip>808524300</cusip><value>9100327</value><shrsOrPrnAmt><sshPrnamt>312404</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>197758</Sole><Shared>0</Shared><None>114646</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer><titleOfClass>DIV APP ETF</titleOfClass><cusip>921908844</cusip><value>6707191</value><shrsOrPrnAmt><sshPrnamt>31188</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20677</Sole><Shared>0</Shared><None>10511</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer><titleOfClass>INTERMED TERM</titleOfClass><cusip>921937819</cusip><value>3941559</value><shrsOrPrnAmt><sshPrnamt>51070</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36336</Sole><Shared>0</Shared><None>14733</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON COM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>023135106</cusip><value>523799</value><shrsOrPrnAmt><sshPrnamt>2515</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2515</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>037833100</cusip><value>730263</value><shrsOrPrnAmt><sshPrnamt>2877</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2775</Sole><Shared>0</Shared><None>103</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BROADCOM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>11135F101</cusip><value>673500</value><shrsOrPrnAmt><sshPrnamt>2176</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2176</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>166764100</cusip><value>577855</value><shrsOrPrnAmt><sshPrnamt>2793</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2793</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CORNING INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>219350105</cusip><value>287577</value><shrsOrPrnAmt><sshPrnamt>2115</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2115</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer><titleOfClass>CL C</titleOfClass><cusip>24703L202</cusip><value>300358</value><shrsOrPrnAmt><sshPrnamt>1830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1829</Sole><Shared>0</Shared><None>1</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer><titleOfClass>COM NEW</titleOfClass><cusip>46120E602</cusip><value>313473</value><shrsOrPrnAmt><sshPrnamt>680</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>680</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>67103H107</cusip><value>214528</value><shrsOrPrnAmt><sshPrnamt>2324</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2324</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC NEW</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>872540109</cusip><value>268626</value><shrsOrPrnAmt><sshPrnamt>1682</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1682</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>931142103</cusip><value>495132</value><shrsOrPrnAmt><sshPrnamt>3984</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3984</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer><titleOfClass>INTER TERM TREAS</titleOfClass><cusip>92206C706</cusip><value>2312996</value><shrsOrPrnAmt><sshPrnamt>38841</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36318</Sole><Shared>0</Shared><None>2524</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer><titleOfClass>VANGUARD ULTRA</titleOfClass><cusip>92203C303</cusip><value>12604407</value><shrsOrPrnAmt><sshPrnamt>253177</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>239930</Sole><Shared>0</Shared><None>13247</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>VALUE ETF</titleOfClass><cusip>922908744</cusip><value>4569598</value><shrsOrPrnAmt><sshPrnamt>23291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22624</Sole><Shared>0</Shared><None>666</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer><titleOfClass>SMID RISNG ETF</titleOfClass><cusip>33741X102</cusip><value>1225966</value><shrsOrPrnAmt><sshPrnamt>31092</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>20445</Sole><Shared>0</Shared><None>10648</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer><titleOfClass>S&amp;P 500 MOMNTM</titleOfClass><cusip>46138E339</cusip><value>1710447</value><shrsOrPrnAmt><sshPrnamt>15257</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>9399</Sole><Shared>0</Shared><None>5858</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer><titleOfClass>US MOMENTUM</titleOfClass><cusip>921935508</cusip><value>1384697</value><shrsOrPrnAmt><sshPrnamt>7025</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4531</Sole><Shared>0</Shared><None>2494</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL GROUP DIVIDEND GROWE</nameOfIssuer><titleOfClass>SHS ETF</titleOfClass><cusip>14021L109</cusip><value>901348</value><shrsOrPrnAmt><sshPrnamt>25107</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13719</Sole><Shared>0</Shared><None>11388</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PGIM ETF TR</nameOfIssuer><titleOfClass>ACTV HY BD ETF</titleOfClass><cusip>69344A206</cusip><value>690994</value><shrsOrPrnAmt><sshPrnamt>19954</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>11827</Sole><Shared>0</Shared><None>8127</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer><titleOfClass>VAN FTSE DEV MKT</titleOfClass><cusip>921943858</cusip><value>2692682</value><shrsOrPrnAmt><sshPrnamt>42021</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>41565</Sole><Shared>0</Shared><None>455</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>TOTAL STK MKT</titleOfClass><cusip>922908769</cusip><value>683684</value><shrsOrPrnAmt><sshPrnamt>2131</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1781</Sole><Shared>0</Shared><None>350</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>007903107</cusip><value>860305</value><shrsOrPrnAmt><sshPrnamt>4229</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3795</Sole><Shared>0</Shared><None>434</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC</nameOfIssuer><titleOfClass>CAP STK CL A</titleOfClass><cusip>02079K305</cusip><value>322355</value><shrsOrPrnAmt><sshPrnamt>1121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VICI PPTYS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>925652109</cusip><value>219106</value><shrsOrPrnAmt><sshPrnamt>8020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>8020</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ASML HLDG NV</nameOfIssuer><titleOfClass>N Y REGISTRY SHS</titleOfClass><cusip>N07059210</cusip><value>454366</value><shrsOrPrnAmt><sshPrnamt>344</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>69</Sole><Shared>0</Shared><None>275</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>594918104</cusip><value>608556</value><shrsOrPrnAmt><sshPrnamt>1644</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1476</Sole><Shared>0</Shared><None>168</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>GROWTH ETF</titleOfClass><cusip>922908736</cusip><value>3125674</value><shrsOrPrnAmt><sshPrnamt>7156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6878</Sole><Shared>0</Shared><None>278</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>MID CAP ETF</titleOfClass><cusip>922908629</cusip><value>661148</value><shrsOrPrnAmt><sshPrnamt>2302</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2302</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>SM CP VAL ETF</titleOfClass><cusip>922908611</cusip><value>646578</value><shrsOrPrnAmt><sshPrnamt>2976</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2976</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS TP200 GR ETF</titleOfClass><cusip>464289438</cusip><value>376453</value><shrsOrPrnAmt><sshPrnamt>1513</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1160</Sole><Shared>0</Shared><None>353</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer><titleOfClass>INTL DVD ETF</titleOfClass><cusip>921946810</cusip><value>365209</value><shrsOrPrnAmt><sshPrnamt>4129</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2714</Sole><Shared>0</Shared><None>1415</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>MCAP VL IDXVIP</titleOfClass><cusip>922908512</cusip><value>224174</value><shrsOrPrnAmt><sshPrnamt>1216</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>893</Sole><Shared>0</Shared><None>323</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer><titleOfClass>SMALL CP ETF</titleOfClass><cusip>922908751</cusip><value>995590</value><shrsOrPrnAmt><sshPrnamt>3801</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3062</Sole><Shared>0</Shared><None>739</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE ETF INC</nameOfIssuer><titleOfClass>ULTRA SHRT TRM</titleOfClass><cusip>87283Q701</cusip><value>3334275</value><shrsOrPrnAmt><sshPrnamt>67021</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40825</Sole><Shared>0</Shared><None>26196</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>SHT TM US TRES</titleOfClass><cusip>808524862</cusip><value>421517</value><shrsOrPrnAmt><sshPrnamt>17368</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>15596</Sole><Shared>0</Shared><None>1772</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>30231G102</cusip><value>250050</value><shrsOrPrnAmt><sshPrnamt>1474</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1474</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>22160K105</cusip><value>1395272</value><shrsOrPrnAmt><sshPrnamt>1400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1370</Sole><Shared>0</Shared><None>30</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>219134</value><shrsOrPrnAmt><sshPrnamt>1136</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1136</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>88160R101</cusip><value>430858</value><shrsOrPrnAmt><sshPrnamt>1159</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1056</Sole><Shared>0</Shared><None>103</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE ETF INC</nameOfIssuer><titleOfClass>PRICE EQT INCOME</titleOfClass><cusip>87283Q206</cusip><value>511379</value><shrsOrPrnAmt><sshPrnamt>11360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5797</Sole><Shared>0</Shared><None>5563</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer><titleOfClass>MEGA GRWTH IND</titleOfClass><cusip>921910816</cusip><value>287629</value><shrsOrPrnAmt><sshPrnamt>783</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>653</Sole><Shared>0</Shared><None>130</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer><titleOfClass>TT WRLD ST ETF</titleOfClass><cusip>922042742</cusip><value>228512</value><shrsOrPrnAmt><sshPrnamt>1652</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1565</Sole><Shared>0</Shared><None>87</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer><titleOfClass>SMITH UNCONSTRAI</titleOfClass><cusip>33740F888</cusip><value>229610</value><shrsOrPrnAmt><sshPrnamt>9270</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6265</Sole><Shared>0</Shared><None>3004</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer><titleOfClass>TAX EXEMPT BD</titleOfClass><cusip>922907746</cusip><value>245112</value><shrsOrPrnAmt><sshPrnamt>4913</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3469</Sole><Shared>0</Shared><None>1444</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer><titleOfClass>CL B NEW</titleOfClass><cusip>084670702</cusip><value>289437</value><shrsOrPrnAmt><sshPrnamt>604</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>354</Sole><Shared>0</Shared><None>250</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>17275R102</cusip><value>382217</value><shrsOrPrnAmt><sshPrnamt>4926</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4926</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>478160104</cusip><value>1211943</value><shrsOrPrnAmt><sshPrnamt>4958</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4958</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>744573106</cusip><value>305992</value><shrsOrPrnAmt><sshPrnamt>3780</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3780</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REALTY INCOME CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>756109104</cusip><value>357538</value><shrsOrPrnAmt><sshPrnamt>5844</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5844</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer><titleOfClass>HIGH DIV YLD</titleOfClass><cusip>921946406</cusip><value>414087</value><shrsOrPrnAmt><sshPrnamt>2796</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2796</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUS 1000 ETF</titleOfClass><cusip>464287622</cusip><value>283822</value><shrsOrPrnAmt><sshPrnamt>796</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>796</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>NATIONAL MUN ETF</titleOfClass><cusip>464288414</cusip><value>216746</value><shrsOrPrnAmt><sshPrnamt>2042</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1308</Sole><Shared>0</Shared><None>734</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>231021106</cusip><value>215078</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES TR</nameOfIssuer><titleOfClass>RUSSELL 3000 ETF</titleOfClass><cusip>464287689</cusip><value>350203</value><shrsOrPrnAmt><sshPrnamt>945</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>945</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable></informationTable>
