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        <nameOfIssuer>AUTOMATIC DATA PROCESSING INC.</nameOfIssuer>
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            <None>10665</None>
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            <None>1877</None>
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            <None>22183</None>
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            <None>2600</None>
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        <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIONS</nameOfIssuer>
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            <None>13273</None>
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        <nameOfIssuer>COMCAST CORP CL A</nameOfIssuer>
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            <Sole>41686</Sole>
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        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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            <None>13095</None>
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        <nameOfIssuer>CONSTELLATION ENERGY GROUP INC</nameOfIssuer>
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        <nameOfIssuer>COSTCO WHOLESALE CORP.</nameOfIssuer>
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        <nameOfIssuer>CVS HEALTH CORPORATION</nameOfIssuer>
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        <votingAuthority>
            <Sole>8340</Sole>
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        <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
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        <nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
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            <Sole>700</Sole>
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            <None>2435</None>
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            <None>2495</None>
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        <nameOfIssuer>DOMINION ENERGY, INC.</nameOfIssuer>
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        <nameOfIssuer>DOW CHEM CO COM</nameOfIssuer>
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            <Sole>2748</Sole>
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        <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
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            <Sole>1438</Sole>
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        <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
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            <Sole>4308</Sole>
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        <nameOfIssuer>EASTGROUP PROPERTIES INC</nameOfIssuer>
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            <Sole>1506</Sole>
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        <nameOfIssuer>EATON CORP</nameOfIssuer>
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            <Sole>7030</Sole>
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            <Sole>605</Sole>
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        <nameOfIssuer>ELME COMMUNITIES</nameOfIssuer>
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            <Sole>20000</Sole>
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        <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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            <Sole>2850</Sole>
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        <nameOfIssuer>EXELON CORP</nameOfIssuer>
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        <nameOfIssuer>GALLAGHER (ARTHUR J.) &amp; CO.</nameOfIssuer>
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            <Sole>667</Sole>
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            <None>1735</None>
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        <nameOfIssuer>HCA HEALTHCARE INC.</nameOfIssuer>
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            <Sole>2580</Sole>
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            <None>9588</None>
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            <None>10921</None>
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        <cusip>437076102</cusip>
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            <Sole>4926</Sole>
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        <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
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            <sshPrnamt>7427</sshPrnamt>
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        <nameOfIssuer>JEFFERIES FINANCIAL GROUP INC</nameOfIssuer>
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            <None>10000</None>
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        <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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            <None>1959</None>
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        <nameOfIssuer>LOWES COS INC</nameOfIssuer>
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            <None>6701</None>
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        <nameOfIssuer>LYFT INC</nameOfIssuer>
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        <value>269727</value>
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            <sshPrnamt>13925</sshPrnamt>
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            <None>11250</None>
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        <nameOfIssuer>M &amp; T BK CORP COM</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>55261F104</cusip>
        <value>510953</value>
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            <sshPrnamt>2536</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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            <None>2536</None>
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        <nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>56585A102</cusip>
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            <sshPrnamt>8624</sshPrnamt>
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            <Sole>6424</Sole>
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            <None>2200</None>
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        <nameOfIssuer>MARRIOTT INTL INC NEW CL A</nameOfIssuer>
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        <cusip>571903202</cusip>
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            <None>10793</None>
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            <Sole>26635</Sole>
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            <None>87249</None>
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        <votingAuthority>
            <Sole>8228</Sole>
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            <None>9509</None>
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            <None>10035</None>
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            <None>15701</None>
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            <None>5600</None>
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            <None>4474</None>
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            <sshPrnamt>6329</sshPrnamt>
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            <None>6329</None>
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        <nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
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        <nameOfIssuer>OCCIDENTAL PETE</nameOfIssuer>
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            <sshPrnamt>17550</sshPrnamt>
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            <None>17550</None>
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        <nameOfIssuer>OMNICOM GROUP INC.</nameOfIssuer>
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            <None>27078</None>
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        <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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            <None>25580</None>
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        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
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        <nameOfIssuer>PENUMBRA, INC.</nameOfIssuer>
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        <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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        <nameOfIssuer>PROGRESSIVE CORP-OHIO-</nameOfIssuer>
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            <None>24950</None>
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        <nameOfIssuer>PRUDENTIAL FINANCIAL, INC.</nameOfIssuer>
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            <Sole>1080</Sole>
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            <None>5730</None>
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        <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP IN</nameOfIssuer>
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            <None>2622</None>
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        <nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
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            <None>8166</None>
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        <nameOfIssuer>RENAISSANCE RE HLDGS COM</nameOfIssuer>
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        <cusip>G7496G103</cusip>
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        <nameOfIssuer>RESMED INC</nameOfIssuer>
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            <sshPrnamt>3370</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
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        <nameOfIssuer>ROYAL CARRBN CRUISES LTD</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>6200</Sole>
            <Shared>0</Shared>
            <None>12075</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CANADIAN NATL RAILWAY CO</nameOfIssuer>
        <titleOfClass>ADR</titleOfClass>
        <cusip>136375102</cusip>
        <value>820455</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>8300</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NESTLE SA-SPONS ADR</nameOfIssuer>
        <titleOfClass>ADR</titleOfClass>
        <cusip>641069406</cusip>
        <value>1701420</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17119</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>10734</Sole>
            <Shared>0</Shared>
            <None>6385</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NOVARTIS AG ADR</nameOfIssuer>
        <titleOfClass>ADR</titleOfClass>
        <cusip>66987v109</cusip>
        <value>5489294</value>
        <shrsOrPrnAmt>
            <sshPrnamt>39815</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>12018</Sole>
            <Shared>0</Shared>
            <None>27797</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SHELL PLC</nameOfIssuer>
        <titleOfClass>ADR</titleOfClass>
        <cusip>780259305</cusip>
        <value>333305</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4536</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4536</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD-S</nameOfIssuer>
        <titleOfClass>ADR</titleOfClass>
        <cusip>874039100</cusip>
        <value>3375002</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11106</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>950</Sole>
            <Shared>0</Shared>
            <None>10156</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>UNILEVER PLC NEW ADS 4 ORD</nameOfIssuer>
        <titleOfClass>ADR</titleOfClass>
        <cusip>904767803</cusip>
        <value>234917</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3592</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>3592</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>AMEX HEALTHCARE SELECT SPDR</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>81369y209</cusip>
        <value>719665</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4649</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1130</Sole>
            <Shared>0</Shared>
            <None>3519</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>81369Y407</cusip>
        <value>223058</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1868</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1868</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>CURRENCY SHARES SWISS FRANC TR</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46138R108</cusip>
        <value>516708</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4630</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4630</None>
        </votingAuthority>
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        <nameOfIssuer>GLOBAL X FUNDS GLOBAL X ART IN</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>37954Y632</cusip>
        <value>1442542</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28363</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>9175</Sole>
            <Shared>0</Shared>
            <None>19188</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GRAYSCALE BITCOIN TRUST</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>389637109</cusip>
        <value>372630</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5451</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>800</Sole>
            <Shared>0</Shared>
            <None>4651</None>
        </votingAuthority>
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        <nameOfIssuer>I SHARES S&amp;P GROWTH INDEX</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287309</cusip>
        <value>6026064</value>
        <shrsOrPrnAmt>
            <sshPrnamt>48889</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>48889</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>INVESCO EXCHANGE TR FD DVD ACH</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46137V506</cusip>
        <value>309028</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>6000</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>INVESCO QQQ NASDAQ 100 INDEX</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46090E103</cusip>
        <value>1011244</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1646</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1646</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46137V357</cusip>
        <value>4782988</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24969</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1945</Sole>
            <Shared>0</Shared>
            <None>23024</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INVESCO S&amp;P 500 HIGH DVD LOW V</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46138E362</cusip>
        <value>396000</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5200</Sole>
            <Shared>0</Shared>
            <None>3050</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES BITCOIN TRUST</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46438F101</cusip>
        <value>306092</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6165</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>6165</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES CNX INDIA 50 INDEX</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464289529</cusip>
        <value>630123</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12784</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>12784</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES CORE GROWTH ALLOCATION</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464289867</cusip>
        <value>318354</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4897</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4897</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES CORE S&amp;P 500 INDEX</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287200</cusip>
        <value>5246179</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7659</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7659</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES CORE S&amp;P MIDCAP</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287507</cusip>
        <value>956934</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14499</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1965</Sole>
            <Shared>0</Shared>
            <None>12534</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287804</cusip>
        <value>229340</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1908</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>1808</None>
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    <infoTable>
        <nameOfIssuer>ISHARES CORE S&amp;P US GROWTH ETF</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287671</cusip>
        <value>210261</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1252</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1252</None>
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    <infoTable>
        <nameOfIssuer>ISHARES DJ REGIONAL BANKS</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464288778</cusip>
        <value>1313121</value>
        <shrsOrPrnAmt>
            <sshPrnamt>23810</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>23810</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES DJ US FINANCIAL SECTOR</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287788</cusip>
        <value>255281</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1980</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1980</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES DJ US HOME CONSTRUCTIO</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464288752</cusip>
        <value>214653</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2229</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>1399</Sole>
            <Shared>0</Shared>
            <None>830</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES DJ US TECHNOLOGY SECTO</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287721</cusip>
        <value>1862318</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9327</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>9327</None>
        </votingAuthority>
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        <nameOfIssuer>ISHARES DOW JONES SELECT DIVID</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287168</cusip>
        <value>6889975</value>
        <shrsOrPrnAmt>
            <sshPrnamt>48817</sshPrnamt>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>48817</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES ESG MSCI KLD 400</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464288570</cusip>
        <value>721448</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5600</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>5600</None>
        </votingAuthority>
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        <nameOfIssuer>ISHARES ETHEREUM TRUST</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46438R105</cusip>
        <value>226543</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>10100</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES EXPANDED TECK-SOFTWARE</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287515</cusip>
        <value>476135</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4505</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>60</Sole>
            <Shared>0</Shared>
            <None>4445</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES INC MSCI MEX INVEST</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464286822</cusip>
        <value>433035</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6246</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>6246</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES MSCI EAFE INDEX FUND</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287465</cusip>
        <value>655117</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6822</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>6822</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES MSCI EMERGING MARKETS</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287234</cusip>
        <value>1378926</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25204</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>5050</Sole>
            <Shared>0</Shared>
            <None>20154</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES MSCI JAPAN INDEX</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>46434G822</cusip>
        <value>312464</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3870</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>3870</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES MSCI USA ESG SELECT</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464288802</cusip>
        <value>982681</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7052</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7052</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES NASDAQ BIOTECH INDX</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287556</cusip>
        <value>413318</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2449</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>170</Sole>
            <Shared>0</Shared>
            <None>2279</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287614</cusip>
        <value>1704353</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3601</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>SOLE</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>3601</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES RUSSELL 1000 VALUE</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>464287598</cusip>
        <value>3949979</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18779</sshPrnamt>
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        <cusip>464287655</cusip>
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        <nameOfIssuer>ISHARES RUSSELL MID-CAP INDEX</nameOfIssuer>
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        <cusip>464287499</cusip>
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        <cusip>464287101</cusip>
        <value>8723785</value>
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        <votingAuthority>
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            <None>25218</None>
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        <titleOfClass>ETF</titleOfClass>
        <cusip>464287861</cusip>
        <value>282358</value>
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        <cusip>464288687</cusip>
        <value>646850</value>
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        <cusip>464287390</cusip>
        <value>336198</value>
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        <cusip>464288851</cusip>
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            <None>20116</None>
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        <nameOfIssuer>NUVEEN ESG LARGE-CAP VALUE</nameOfIssuer>
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        <cusip>67092P300</cusip>
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        <nameOfIssuer>REAL ESTATE SELECT SECT SPDR</nameOfIssuer>
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        <cusip>81369Y860</cusip>
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        <votingAuthority>
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        <nameOfIssuer>SCHWAB US BROAD MARKET ETF</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
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        <value>3555713</value>
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        <votingAuthority>
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            <None>116759</None>
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        <nameOfIssuer>SCHWAB US DIVIDEND EQUITY FUND</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>808524797</cusip>
        <value>1019659</value>
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        <votingAuthority>
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        <nameOfIssuer>SCHWAB US LARGE-CAP ETR</nameOfIssuer>
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        <cusip>808524201</cusip>
        <value>1661786</value>
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        <votingAuthority>
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            <None>48328</None>
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        <nameOfIssuer>SCHWAB US LARGE-CAP VALUE</nameOfIssuer>
        <titleOfClass>ETF</titleOfClass>
        <cusip>808524409</cusip>
        <value>533957</value>
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        <cusip>808524607</cusip>
        <value>785336</value>
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        <votingAuthority>
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        <nameOfIssuer>SECTOR SPDR CONSMRS STPL</nameOfIssuer>
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        <cusip>81369y308</cusip>
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            <None>5002</None>
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        <nameOfIssuer>SECTOR SPDR TR SBI INT-ENERGY</nameOfIssuer>
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        <cusip>78467X109</cusip>
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        <votingAuthority>
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        <nameOfIssuer>FIDELITY SECS FD OTC PORTFOLIO</nameOfIssuer>
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        <nameOfIssuer>SCHWAB S&amp;P 500 FUND-SELECT</nameOfIssuer>
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        <nameOfIssuer>SCHWAB US LARGE CAP GROWTH IND</nameOfIssuer>
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        <nameOfIssuer>VONTOBEL INTL EQTY-INST</nameOfIssuer>
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        <nameOfIssuer>VONTOBEL US EQUITY FUND</nameOfIssuer>
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</informationTable>
