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<infoTable>
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  <nameOfIssuer>Consumer Discretionary Select </nameOfIssuer>
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  <nameOfIssuer>Dimensional US Targeted Value </nameOfIssuer>
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<infoTable>
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<infoTable>
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  <votingAuthority>
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    <None>0</None>
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    <None>10682</None>
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    <None>0</None>
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<infoTable>
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    <Sole>7191</Sole>
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    <None>0</None>
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  <nameOfIssuer>Financial Select Sector SPDR E</nameOfIssuer>
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    <Sole>11008</Sole>
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    <None>77</None>
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<infoTable>
  <nameOfIssuer>First Republic Bank</nameOfIssuer>
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    <None>0</None>
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  <votingAuthority>
    <Sole>8060</Sole>
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    <None>0</None>
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  <nameOfIssuer>Fox Corp</nameOfIssuer>
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    <None>50</None>
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    <Sole>1724</Sole>
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    <None>0</None>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>Invesco S&amp;P 500 Equal Weight E</nameOfIssuer>
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    <None>10400</None>
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<infoTable>
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<infoTable>
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<infoTable>
  <nameOfIssuer>iShares Core S&amp;P S/C ETF</nameOfIssuer>
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</infoTable>
<infoTable>
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</infoTable>
<infoTable>
  <nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer>
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</infoTable>
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</infoTable>
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<infoTable>
  <nameOfIssuer>iShares Russell 2000 ETF</nameOfIssuer>
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    <None>5167</None>
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</infoTable>
<infoTable>
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</infoTable>
<infoTable>
  <nameOfIssuer>iShares Russell M/C ETF</nameOfIssuer>
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</infoTable>
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  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>4533</sshPrnamt>
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    <Sole>4533</Sole>
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<infoTable>
  <nameOfIssuer>Yum China Holdings Inc</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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  <value>366</value>
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    <sshPrnamt>6696</sshPrnamt>
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    <Sole>6696</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>Zoetis Inc</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>70282</sshPrnamt>
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    <Sole>68507</Sole>
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    <None>1775</None>
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  <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
  <titleOfClass>INTL</titleOfClass>
  <cusip>464287465</cusip>
  <value>1420</value>
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    <sshPrnamt>21630</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>21475</Sole>
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    <None>155</None>
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<infoTable>
  <nameOfIssuer>Vanguard ESG Intl Stock ETF</nameOfIssuer>
  <titleOfClass>INTL</titleOfClass>
  <cusip>921910725</cusip>
  <value>1622</value>
  <shrsOrPrnAmt>
    <sshPrnamt>32978</sshPrnamt>
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    <Sole>32434</Sole>
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    <None>544</None>
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<infoTable>
  <nameOfIssuer>Vanguard FTSE All-World Ex-US </nameOfIssuer>
  <titleOfClass>INTL</titleOfClass>
  <cusip>922042775</cusip>
  <value>31217</value>
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    <sshPrnamt>622595</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>584915</Sole>
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    <None>37680</None>
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<infoTable>
  <nameOfIssuer>Vanguard FTSE DM ETF</nameOfIssuer>
  <titleOfClass>INTL</titleOfClass>
  <cusip>921943858</cusip>
  <value>38226</value>
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    <sshPrnamt>910800</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>851984</Sole>
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    <None>58816</None>
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<infoTable>
  <nameOfIssuer>Vanguard FTSE EM ETF</nameOfIssuer>
  <titleOfClass>INTL</titleOfClass>
  <cusip>922042858</cusip>
  <value>16818</value>
  <shrsOrPrnAmt>
    <sshPrnamt>431440</sshPrnamt>
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    <Sole>395899</Sole>
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    <None>35541</None>
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<infoTable>
  <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
  <titleOfClass>PERP PFD CNV A</titleOfClass>
  <cusip>808513BD6</cusip>
  <value>156</value>
  <shrsOrPrnAmt>
    <sshPrnamt>160000</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>160000</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>JP Morgan Chase &amp; Co</nameOfIssuer>
  <titleOfClass>PERP PFD CNV A</titleOfClass>
  <cusip>46625HJQ4</cusip>
  <value>50</value>
  <shrsOrPrnAmt>
    <sshPrnamt>50000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>50000</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>JP Morgan Chase &amp; Co</nameOfIssuer>
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  <cusip>48126HAC4</cusip>
  <value>122</value>
  <shrsOrPrnAmt>
    <sshPrnamt>125000</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>125000</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>Northern Trust Corp</nameOfIssuer>
  <titleOfClass>PERP PFD CNV A</titleOfClass>
  <cusip>665859AQ7</cusip>
  <value>88</value>
  <shrsOrPrnAmt>
    <sshPrnamt>100000</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>100000</Sole>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>Bank of America Corp</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>060505682</cusip>
  <value>360</value>
  <shrsOrPrnAmt>
    <sshPrnamt>310</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>310</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>BlackRock National Muni Fd</nameOfIssuer>
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  <cusip>09253C603</cusip>
  <value>203</value>
  <shrsOrPrnAmt>
    <sshPrnamt>20381</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>20381</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2023 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J866</cusip>
  <value>18678</value>
  <shrsOrPrnAmt>
    <sshPrnamt>890262</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>670161</Sole>
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    <None>220101</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2024 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J841</cusip>
  <value>17858</value>
  <shrsOrPrnAmt>
    <sshPrnamt>871778</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>656234</Sole>
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    <None>215544</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2025 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J825</cusip>
  <value>14143</value>
  <shrsOrPrnAmt>
    <sshPrnamt>702218</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>510744</Sole>
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    <None>191474</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2026 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J791</cusip>
  <value>7153</value>
  <shrsOrPrnAmt>
    <sshPrnamt>377974</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>324140</Sole>
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    <None>53834</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2027 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J783</cusip>
  <value>3633</value>
  <shrsOrPrnAmt>
    <sshPrnamt>191275</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>160932</Sole>
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    <None>30343</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2028 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J643</cusip>
  <value>976</value>
  <shrsOrPrnAmt>
    <sshPrnamt>49763</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>34623</Sole>
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    <None>15140</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Invesco BulletShares 2029 Corp</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>46138J577</cusip>
  <value>245</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13805</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>7025</Sole>
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    <None>6780</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iShares 1-3 Year Treasury Bond</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>464287457</cusip>
  <value>227</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2800</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>2800</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iShares 1-5 Year IG Corporate </nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>464288646</cusip>
  <value>25544</value>
  <shrsOrPrnAmt>
    <sshPrnamt>512716</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>447070</Sole>
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    <None>65646</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iShares 5-10 Year IG Corporate</nameOfIssuer>
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  <cusip>464288638</cusip>
  <value>5051</value>
  <shrsOrPrnAmt>
    <sshPrnamt>102010</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>74925</Sole>
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    <None>27085</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>iShares TIPS Bond ETF</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>464287176</cusip>
  <value>8060</value>
  <shrsOrPrnAmt>
    <sshPrnamt>75719</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>74126</Sole>
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    <None>1593</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Nuveen All American Muni Bond </nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>67065Q889</cusip>
  <value>338</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>33898</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PIMCO Intermediate Muni Bond A</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>72201R866</cusip>
  <value>2763</value>
  <shrsOrPrnAmt>
    <sshPrnamt>53780</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>53230</Sole>
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    <None>550</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PIMCO S/T Muni Bond Active ETF</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>72201R874</cusip>
  <value>5837</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>117908</Sole>
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    <None>500</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Vanguard Intermediate Term Cor</nameOfIssuer>
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  <cusip>92206C870</cusip>
  <value>484</value>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>6238</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Vanguard MBS ETF</nameOfIssuer>
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  <cusip>92206C771</cusip>
  <value>585</value>
  <shrsOrPrnAmt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>12462</Sole>
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    <None>380</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Vanguard S/T Treasury ETF</nameOfIssuer>
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  <cusip>92206C102</cusip>
  <value>1998</value>
  <shrsOrPrnAmt>
    <sshPrnamt>34562</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
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    <Sole>23407</Sole>
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    <None>11155</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>Vanguard Total Bond Mkt ETF</nameOfIssuer>
  <titleOfClass>BOND FUND</titleOfClass>
  <cusip>921937835</cusip>
  <value>900</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12532</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10576</Sole>
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    <None>1956</None>
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</infoTable>
</informationTable>
