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Human Investing LLC – ‘13F-HR’ for 12/31/23 – ‘INFO-TABLE’

On:  Monday, 2/12/24, at 1:24pm ET   ·   Effective:  2/12/24   ·   For:  12/31/23   ·   Accession #:  1767513-24-1   ·   File #s:  28-16706, 28-19337

Previous ‘13F-HR’:  ‘13F-HR’ on 11/9/23 for 9/30/23   ·   Next & Latest:  ‘13F-HR’ on 4/25/24 for 3/31/24

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  As Of               Filer                 Filing    For·On·As Docs:Size

 2/12/24  Human Investing LLC               13F-HR     12/31/23    2:59K

Quarterly Holdings and Combination Report by a Money Manager   —   Form 13F

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 13F-HR      Quarterly Holdings and Combination Report by a      HTML      5K 
                Money Manager -- primary_doc.xml/2.2                             
 2: INFO-TABLE  Portfolio Securities Holdings Info Table --         HTML     55K 
                HI_Q42023_13F.xml

‘INFO-TABLE’   —   Portfolio Securities Holdings Info Table — HI_Q42023_13F.xml



        

This ‘INFO-TABLE’ Document is an XML Data File that may be rendered in various formats:

  Information Table    –   Plain Text   –  SEC Website  –  EDGAR System  –    XML Data    –  <?xml?> File
 
 
XML Data rendering:  Portfolio Securities Holdings Info Table
 
                                                                                                                                                                                
<?xml version="1.0" encoding="windows-1252"?>
<ns1:informationTable xmlns:ns1="http://www.sec.gov/edgar/document/thirteenf/informationtable">
<ns1:infoTable>
<ns1:nameOfIssuer> ABBOTT LABS </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 002824100 </ns1:cusip>
<ns1:value> 552588 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5020 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> ABBVIE INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 00287Y109 </ns1:cusip>
<ns1:value> 2299649 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 14839 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> ACCENTURE PLC IRELAND </ns1:nameOfIssuer>
<ns1:titleOfClass> SHS CLASS A </ns1:titleOfClass>
<ns1:cusip> G1151C101 </ns1:cusip>
<ns1:value> 742299 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 2115 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> ALPHABET INC </ns1:nameOfIssuer>
<ns1:titleOfClass> CAP STK CL A </ns1:titleOfClass>
<ns1:cusip> 02079K305 </ns1:cusip>
<ns1:value> 836029 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5985 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> ALPHABET INC </ns1:nameOfIssuer>
<ns1:titleOfClass> CAP STK CL C </ns1:titleOfClass>
<ns1:cusip> 02079K107 </ns1:cusip>
<ns1:value> 244348 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1734 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> ALTRIA GROUP INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 02209S103 </ns1:cusip>
<ns1:value> 297024 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 7363 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> AMAZON COM INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 023135106 </ns1:cusip>
<ns1:value> 478918 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 3152 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> AMDOCS LTD </ns1:nameOfIssuer>
<ns1:titleOfClass> SHS </ns1:titleOfClass>
<ns1:cusip> G02602103 </ns1:cusip>
<ns1:value> 621031 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 7066 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> AMGEN INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 031162100 </ns1:cusip>
<ns1:value> 1516468 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5265 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> APPLE INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 037833100 </ns1:cusip>
<ns1:value> 4264147 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 22148 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> BERKSHIRE HATHAWAY INC DEL </ns1:nameOfIssuer>
<ns1:titleOfClass> CL B NEW </ns1:titleOfClass>
<ns1:cusip> 084670702 </ns1:cusip>
<ns1:value> 539984 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1514 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> BLOCK H & R INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 093671105 </ns1:cusip>
<ns1:value> 2178102 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 45030 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> BP PLC </ns1:nameOfIssuer>
<ns1:titleOfClass> SPONSORED ADR </ns1:titleOfClass>
<ns1:cusip> 055622104 </ns1:cusip>
<ns1:value> 200187 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5655 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> BRISTOL-MYERS SQUIBB CO </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 110122108 </ns1:cusip>
<ns1:value> 424232 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 8268 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> BROADCOM INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 11135F101 </ns1:cusip>
<ns1:value> 3570853 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 3199 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> CISCO SYS INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 17275R102 </ns1:cusip>
<ns1:value> 493501 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 9768 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> COLGATE PALMOLIVE CO </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 194162103 </ns1:cusip>
<ns1:value> 347798 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 4363 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> ELI LILLY & CO </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 532457108 </ns1:cusip>
<ns1:value> 1622081 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 2783 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> EMPLOYERS HLDGS INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 292218104 </ns1:cusip>
<ns1:value> 255943 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 6496 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> GARTNER INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 366651107 </ns1:cusip>
<ns1:value> 469651 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1041 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> GENERAL MLS INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 370334104 </ns1:cusip>
<ns1:value> 493892 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 7582 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> GILEAD SCIENCES INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 375558103 </ns1:cusip>
<ns1:value> 285642 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 3526 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> GLOBAL X FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> S&P 500 CATHOLIC </ns1:titleOfClass>
<ns1:cusip> 37954Y889 </ns1:cusip>
<ns1:value> 488086 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 8417 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> HOME DEPOT INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 437076102 </ns1:cusip>
<ns1:value> 1260370 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 3637 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> HONEYWELL INTL INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 438516106 </ns1:cusip>
<ns1:value> 283528 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1352 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> HP INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 40434L105 </ns1:cusip>
<ns1:value> 780025 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 25923 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> INFOSYS LTD </ns1:nameOfIssuer>
<ns1:titleOfClass> SPONSORED ADR </ns1:titleOfClass>
<ns1:cusip> 456788108 </ns1:cusip>
<ns1:value> 546938 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 29757 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> INTEL CORP </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 458140100 </ns1:cusip>
<ns1:value> 800646 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 15933 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> INTERDIGITAL INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 45867G101 </ns1:cusip>
<ns1:value> 217080 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 2000 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
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<ns1:titleOfClass> US LRG CAP ETF </ns1:titleOfClass>
<ns1:cusip> 808524201 </ns1:cusip>
<ns1:value> 1392270 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 24686 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> SCHWAB STRATEGIC TR </ns1:nameOfIssuer>
<ns1:titleOfClass> US REIT ETF </ns1:titleOfClass>
<ns1:cusip> 808524847 </ns1:cusip>
<ns1:value> 417846 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 20176 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> SCHWAB STRATEGIC TR </ns1:nameOfIssuer>
<ns1:titleOfClass> US MID-CAP ETF </ns1:titleOfClass>
<ns1:cusip> 808524508 </ns1:cusip>
<ns1:value> 221109 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 2936 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> SPDR GOLD TR </ns1:nameOfIssuer>
<ns1:titleOfClass> GOLD SHS </ns1:titleOfClass>
<ns1:cusip> 78463V107 </ns1:cusip>
<ns1:value> 271080 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1418 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> SPDR SER TR </ns1:nameOfIssuer>
<ns1:titleOfClass> SPDR S&P 500 ETF </ns1:titleOfClass>
<ns1:cusip> 78468R796 </ns1:cusip>
<ns1:value> 337647 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 8700 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> STARBUCKS CORP </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 855244109 </ns1:cusip>
<ns1:value> 391719 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 4080 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> TESLA INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 88160R101 </ns1:cusip>
<ns1:value> 275261 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1108 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> TEXAS INSTRS INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 882508104 </ns1:cusip>
<ns1:value> 848090 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 4975 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> THERMO FISHER SCIENTIFIC INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 883556102 </ns1:cusip>
<ns1:value> 373574 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 704 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> UNILEVER PLC </ns1:nameOfIssuer>
<ns1:titleOfClass> SPON ADR NEW </ns1:titleOfClass>
<ns1:cusip> 904767704 </ns1:cusip>
<ns1:value> 256314 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5287 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> UNITED PARCEL SERVICE INC </ns1:nameOfIssuer>
<ns1:titleOfClass> CL B </ns1:titleOfClass>
<ns1:cusip> 911312106 </ns1:cusip>
<ns1:value> 520432 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 3310 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> US BANCORP DEL </ns1:nameOfIssuer>
<ns1:titleOfClass> COM NEW </ns1:titleOfClass>
<ns1:cusip> 902973304 </ns1:cusip>
<ns1:value> 308828 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 7136 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD BD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> SHORT TRM BOND </ns1:titleOfClass>
<ns1:cusip> 921937827 </ns1:cusip>
<ns1:value> 22762460 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 295540 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD BD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTERMED TERM </ns1:titleOfClass>
<ns1:cusip> 921937819 </ns1:cusip>
<ns1:value> 12562270 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 164471 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD BD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> TOTAL BND MRKT </ns1:titleOfClass>
<ns1:cusip> 921937835 </ns1:cusip>
<ns1:value> 3844967 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 52277 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD BD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> SHORT TRM BOND </ns1:titleOfClass>
<ns1:cusip> 921937827 </ns1:cusip>
<ns1:value> 1458808 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 18941 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD BD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTERMED TERM </ns1:titleOfClass>
<ns1:cusip> 921937819 </ns1:cusip>
<ns1:value> 870708 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 11400 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD BD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> LONG TERM BOND </ns1:titleOfClass>
<ns1:cusip> 921937793 </ns1:cusip>
<ns1:value> 856896 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 11490 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD CHARLOTTE FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> TOTAL INT BD ETF </ns1:titleOfClass>
<ns1:cusip> 92203J407 </ns1:cusip>
<ns1:value> 18954940 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 383975 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD CHARLOTTE FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> TOTAL INT BD ETF </ns1:titleOfClass>
<ns1:cusip> 92203J407 </ns1:cusip>
<ns1:value> 1291061 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 26151 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> S&P 500 ETF SHS </ns1:titleOfClass>
<ns1:cusip> 922908363 </ns1:cusip>
<ns1:value> 109156625 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 249901 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> TOTAL STK MKT </ns1:titleOfClass>
<ns1:cusip> 922908769 </ns1:cusip>
<ns1:value> 4996722 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 21064 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> S&P 500 ETF SHS </ns1:titleOfClass>
<ns1:cusip> 922908363 </ns1:cusip>
<ns1:value> 4253213 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 9737 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> REAL ESTATE ETF </ns1:titleOfClass>
<ns1:cusip> 922908553 </ns1:cusip>
<ns1:value> 4117394 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 46598 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> LARGE CAP ETF </ns1:titleOfClass>
<ns1:cusip> 922908637 </ns1:cusip>
<ns1:value> 2852789 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 13077 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INDEX FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> SMALL CP ETF </ns1:titleOfClass>
<ns1:cusip> 922908751 </ns1:cusip>
<ns1:value> 299089 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 1402 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INTL EQUITY INDEX F </ns1:nameOfIssuer>
<ns1:titleOfClass> FTSE EMR MKT ETF </ns1:titleOfClass>
<ns1:cusip> 922042858 </ns1:cusip>
<ns1:value> 11456350 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 278743 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD INTL EQUITY INDEX F </ns1:nameOfIssuer>
<ns1:titleOfClass> FTSE EMR MKT ETF </ns1:titleOfClass>
<ns1:cusip> 922042858 </ns1:cusip>
<ns1:value> 359470 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 8746 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD MUN BD FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> TAX EXEMPT BD </ns1:titleOfClass>
<ns1:cusip> 922907746 </ns1:cusip>
<ns1:value> 896799 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 17567 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD SCOTTSDALE FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> SHORT TERM TREAS </ns1:titleOfClass>
<ns1:cusip> 92206C102 </ns1:cusip>
<ns1:value> 11464298 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 196542 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD SCOTTSDALE FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTER TERM TREAS </ns1:titleOfClass>
<ns1:cusip> 92206C706 </ns1:cusip>
<ns1:value> 2130718 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 35919 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD SCOTTSDALE FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> SHORT TERM TREAS </ns1:titleOfClass>
<ns1:cusip> 92206C102 </ns1:cusip>
<ns1:value> 714183 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 12244 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD SPECIALIZED FUNDS </ns1:nameOfIssuer>
<ns1:titleOfClass> DIV APP ETF </ns1:titleOfClass>
<ns1:cusip> 921908844 </ns1:cusip>
<ns1:value> 25556947 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 149982 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD SPECIALIZED FUNDS </ns1:nameOfIssuer>
<ns1:titleOfClass> DIV APP ETF </ns1:titleOfClass>
<ns1:cusip> 921908844 </ns1:cusip>
<ns1:value> 962866 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5651 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD STAR FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> VG TL INTL STK F </ns1:titleOfClass>
<ns1:cusip> 921909768 </ns1:cusip>
<ns1:value> 1544631 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 26650 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD TAX-MANAGED FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> VAN FTSE DEV MKT </ns1:titleOfClass>
<ns1:cusip> 921943858 </ns1:cusip>
<ns1:value> 45054604 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 940597 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD TAX-MANAGED FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> VAN FTSE DEV MKT </ns1:titleOfClass>
<ns1:cusip> 921943858 </ns1:cusip>
<ns1:value> 1434049 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 29938 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WHITEHALL FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> HIGH DIV YLD </ns1:titleOfClass>
<ns1:cusip> 921946406 </ns1:cusip>
<ns1:value> 25474121 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 228201 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WHITEHALL FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTL HIGH ETF </ns1:titleOfClass>
<ns1:cusip> 921946794 </ns1:cusip>
<ns1:value> 9988847 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 150231 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WHITEHALL FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTL DVD ETF </ns1:titleOfClass>
<ns1:cusip> 921946810 </ns1:cusip>
<ns1:value> 9691076 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 122146 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WHITEHALL FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> HIGH DIV YLD </ns1:titleOfClass>
<ns1:cusip> 921946406 </ns1:cusip>
<ns1:value> 945650 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 8471 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WHITEHALL FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTL DVD ETF </ns1:titleOfClass>
<ns1:cusip> 921946810 </ns1:cusip>
<ns1:value> 351022 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 4424 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WHITEHALL FDS </ns1:nameOfIssuer>
<ns1:titleOfClass> INTL HIGH ETF </ns1:titleOfClass>
<ns1:cusip> 921946794 </ns1:cusip>
<ns1:value> 344714 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5184 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WORLD FD </ns1:nameOfIssuer>
<ns1:titleOfClass> ESG US STK ETF </ns1:titleOfClass>
<ns1:cusip> 921910733 </ns1:cusip>
<ns1:value> 9562271 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 112418 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WORLD FD </ns1:nameOfIssuer>
<ns1:titleOfClass> ESG INTL STK ETF </ns1:titleOfClass>
<ns1:cusip> 921910725 </ns1:cusip>
<ns1:value> 2938456 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 53156 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WORLD FD </ns1:nameOfIssuer>
<ns1:titleOfClass> ESG US CORP BD </ns1:titleOfClass>
<ns1:cusip> 921910691 </ns1:cusip>
<ns1:value> 2692996 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 42490 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WORLD FD </ns1:nameOfIssuer>
<ns1:titleOfClass> ESG US STK ETF </ns1:titleOfClass>
<ns1:cusip> 921910733 </ns1:cusip>
<ns1:value> 788074 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 9265 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VANGUARD WORLD FD </ns1:nameOfIssuer>
<ns1:titleOfClass> ESG INTL STK ETF </ns1:titleOfClass>
<ns1:cusip> 921910725 </ns1:cusip>
<ns1:value> 261116 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 4724 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> DFND </ns1:investmentDiscretion>
<ns1:otherManager> 1 </ns1:otherManager>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
<ns1:infoTable>
<ns1:nameOfIssuer> VERIZON COMMUNICATIONS INC </ns1:nameOfIssuer>
<ns1:titleOfClass> COM </ns1:titleOfClass>
<ns1:cusip> 92343V104 </ns1:cusip>
<ns1:value> 201997 </ns1:value>
<ns1:shrsOrPrnAmt>
<ns1:sshPrnamt> 5358 </ns1:sshPrnamt>
<ns1:sshPrnamtType> SH </ns1:sshPrnamtType>
</ns1:shrsOrPrnAmt>
<ns1:investmentDiscretion> SOLE </ns1:investmentDiscretion>
<ns1:votingAuthority>
<ns1:Sole> 0 </ns1:Sole>
<ns1:Shared> 0 </ns1:Shared>
<ns1:None> 25 </ns1:None>
</ns1:votingAuthority>
</ns1:infoTable>
</ns1:informationTable>


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