<SEC-DOCUMENT>0001521951-18-000016.txt : 20180207
<SEC-HEADER>0001521951-18-000016.hdr.sgml : 20180207
<ACCEPTANCE-DATETIME>20180207091811
ACCESSION NUMBER:		0001521951-18-000016
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171231
FILED AS OF DATE:		20180207
DATE AS OF CHANGE:		20180207
EFFECTIVENESS DATE:		20180207

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST BUSINESS FINANCIAL SERVICES, INC.
		CENTRAL INDEX KEY:			0001521951
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				391576570
		STATE OF INCORPORATION:			WI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-15585
		FILM NUMBER:		18579433

	BUSINESS ADDRESS:	
		STREET 1:		401 CHARMANY DRIVE
		CITY:			MADISON
		STATE:			WI
		ZIP:			53719
		BUSINESS PHONE:		608-238-8008

	MAIL ADDRESS:	
		STREET 1:		401 CHARMANY DRIVE
		STREET 2:		PO BOX 44961
		CITY:			MADISON
		STATE:			WI
		ZIP:			53744

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	First Business Financial Services, Inc.
		DATE OF NAME CHANGE:	20110527
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:com="http://www.sec.gov/edgar/common" xmlns="http://www.sec.gov/edgar/thirteenffiler">
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0001521951</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>12-31-2017</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>12-31-2017</reportCalendarOrQuarter>
      <filingManager>
        <name>FIRST BUSINESS FINANCIAL SERVICES, INC.</name>
        <address>
          <com:street1>401 CHARMANY DRIVE</com:street1>
          <com:street2>PO Box 44961</com:street2>
          <com:city>MADISON</com:city>
          <com:stateOrCountry>WI</com:stateOrCountry>
          <com:zipCode>53744</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-15585</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Joan A. Burke</name>
      <title>President, First Business Trust &amp; Investments</title>
      <phone>608-232-5993</phone>
      <signature>/s/Joan A. Burke</signature>
      <city>Madison</city>
      <stateOrCountry>WI</stateOrCountry>
      <signatureDate>02-07-2018</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>78</tableEntryTotal>
      <tableValueTotal>545433</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>form13f123117informationta.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <infoTable>
    <nameOfIssuer>Abbvie Inc Com</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9722</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Aetna Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>00817Y108</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Alibaba Group Hldg Ltd Sponsor</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>01609W102</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Allstate Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>020002101</cusip>
    <value>898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7979</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>02209S103</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6753</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>American Tower Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>03027X100</cusip>
    <value>799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ameriprise Financial Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>03076C106</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amerisourcebergen Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>03073E105</cusip>
    <value>723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7876</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Amgen Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>031162100</cusip>
    <value>803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Analog Devices Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>032654105</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Anthem Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>036752103</cusip>
    <value>680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Apple Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>037833100</cusip>
    <value>1448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7541</Sole>
      <Shared>0</Shared>
      <None>1015</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Arthur J. Gallagher &amp; Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>363576109</cusip>
    <value>641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>00206R102</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>5626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Bank Of Montreal</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>063671101</cusip>
    <value>440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>919</Sole>
      <Shared>0</Shared>
      <None>4577</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Berkshire Hathaway Inc Class A</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>084670108</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Boeing Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>097023105</cusip>
    <value>1240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3787</Sole>
      <Shared>0</Shared>
      <None>417</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Broadcom Limited</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>Y09827109</cusip>
    <value>756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2941</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13338</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>166764100</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1684</Sole>
      <Shared>0</Shared>
      <None>4168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>172908105</cusip>
    <value>678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>172967424</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>1940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Citizens Financial Group Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>174610105</cusip>
    <value>833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Coca-Cola Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>191216100</cusip>
    <value>2000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>42801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp Class A</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>20030N101</cusip>
    <value>713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>126650100</cusip>
    <value>639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8816</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Discover Financial Services</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>254709108</cusip>
    <value>782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exact Sciences Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>30063P105</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1425</Sole>
      <Shared>0</Shared>
      <None>5400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>30231G102</cusip>
    <value>713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6022</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fastenal Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>311900104</cusip>
    <value>858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National Information</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>31620M106</cusip>
    <value>1202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3001</Sole>
      <Shared>0</Shared>
      <None>9769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR E</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>22903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>820610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Business Financial Services</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>319390100</cusip>
    <value>8522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>385283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>437076102</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4531</Sole>
      <Shared>0</Shared>
      <None>1025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Industrials Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>23056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>304688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>458140100</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2819</Sole>
      <Shared>0</Shared>
      <None>2920</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>45866F104</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10784</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuit Inc.</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>461202103</cusip>
    <value>783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4963</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>46432F842</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287226</cusip>
    <value>58013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>530623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287465</cusip>
    <value>84806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1206181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1206181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares National Muni Bond ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464288414</cusip>
    <value>2302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287622</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 Growth ET</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287614</cusip>
    <value>51675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>383687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>383687</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287598</cusip>
    <value>19394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>155972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 2000</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287655</cusip>
    <value>31496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>206587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 2000 Growth</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287648</cusip>
    <value>678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell 2000 Value</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287630</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMorgan Chase &amp; Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>46625H100</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2386</Sole>
      <Shared>0</Shared>
      <None>247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kraft Heinz Co Com</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>500754106</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Kroger Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>501044101</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lincoln National Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>534187109</cusip>
    <value>778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>548661107</cusip>
    <value>822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Marriott International Inc Cla</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>571903202</cusip>
    <value>915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6741</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>McDonald's Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>580135101</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>728</Sole>
      <Shared>0</Shared>
      <None>2029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Microsoft Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>594918104</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3595</Sole>
      <Shared>0</Shared>
      <None>3247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mondelez Intl Inc Class A</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>609207105</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Motorola Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>620076307</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8490</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Northern Trust Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>665859104</cusip>
    <value>840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>704326107</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Philip Morris International In</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>718172109</cusip>
    <value>1024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>9388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC Financial Services Group I</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>693475105</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>1868</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Principal Financial Group Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>74251V102</cusip>
    <value>760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ResMed Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>761152107</cusip>
    <value>686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>83088M102</cusip>
    <value>540</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78462F103</cusip>
    <value>4915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18416</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MidCap 400 ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprott Physical Gold Trust</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>85207H104</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Starbucks Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>855244109</cusip>
    <value>798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>872540109</cusip>
    <value>759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>89417E109</cusip>
    <value>771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>United States Steel Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>912909108</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>91324P102</cusip>
    <value>853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Total Bond Market ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>921937835</cusip>
    <value>24560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>301093</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Total Stock Market ET</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>922908769</cusip>
    <value>167615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1221238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1221238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walgreens Boots Alliance Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>931427108</cusip>
    <value>661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8278</Sole>
      <Shared>0</Shared>
      <None>820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Walt Disney Company</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>254687106</cusip>
    <value>952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7847</Sole>
      <Shared>0</Shared>
      <None>1005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Wyndham Worldwide Corporation</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>98310W108</cusip>
    <value>744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
