<SEC-DOCUMENT>0001521951-20-000009.txt : 20200210
<SEC-HEADER>0001521951-20-000009.hdr.sgml : 20200210
<ACCEPTANCE-DATETIME>20200210133244
ACCESSION NUMBER:		0001521951-20-000009
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20191231
FILED AS OF DATE:		20200210
DATE AS OF CHANGE:		20200210
EFFECTIVENESS DATE:		20200210

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:		20591015

	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>
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<SEQUENCE>1
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          <cik>0001521951</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2019</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2019</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>
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      <form13FFileNumber>028-15585</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Brendan Freeman</name>
      <title>President, First Business Trust &amp; Investments</title>
      <phone>608-232-5951</phone>
      <signature>/s/Brendan Freeman</signature>
      <city>Madison</city>
      <stateOrCountry>WI</stateOrCountry>
      <signatureDate>02-10-2020</signatureDate>
    </signatureBlock>
    <summaryPage>
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    <nameOfIssuer>Discover Financial Services</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>254709108</cusip>
    <value>1044</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12310</Sole>
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      <None>0</None>
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    <nameOfIssuer>eBay Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>278642103</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14883</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14883</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Electronic Arts Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>285512109</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4860</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4860</Sole>
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      <None>0</None>
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    <nameOfIssuer>Exact Sciences Corp</nameOfIssuer>
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    <cusip>30063P105</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>620</Sole>
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      <None>2400</None>
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    <nameOfIssuer>Expedia Group Inc New</nameOfIssuer>
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    <cusip>30212P303</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>4820</Sole>
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      <None>0</None>
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    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
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    <cusip>30231G102</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1981</Sole>
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      <None>4913</None>
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    <nameOfIssuer>Fidelity National Information</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>31620M106</cusip>
    <value>1881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6950</Sole>
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      <None>6571</None>
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    <nameOfIssuer>First Business Financial Services Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>319390100</cusip>
    <value>9172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>348329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>348329</None>
    </votingAuthority>
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    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>337738108</cusip>
    <value>11085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>95868</None>
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    <nameOfIssuer>GTT Communications Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>362393100</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12630</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>437076102</cusip>
    <value>1159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4576</Sole>
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      <None>732</None>
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    <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>452308109</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1287</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Inovalon Hldgs Inc Cl A</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>45781D101</cusip>
    <value>676</value>
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      <sshPrnamt>35895</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>35895</Sole>
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      <None>0</None>
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    <nameOfIssuer>Intel Corp</nameOfIssuer>
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    <cusip>458140100</cusip>
    <value>804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13434</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11334</Sole>
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      <None>2100</None>
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    <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>45866F104</cusip>
    <value>927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10014</Sole>
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      <None>0</None>
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    <nameOfIssuer>Invesco S&amp;P 500 Equal Weight</nameOfIssuer>
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    <cusip>46137V357</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2106</None>
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    <nameOfIssuer>iShares Core MSCI EAFE ETF</nameOfIssuer>
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    <cusip>46432F842</cusip>
    <value>72797</value>
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      <sshPrnamt>1115831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1115831</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares Core S&amp;P Mid-Cap</nameOfIssuer>
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    <cusip>464287507</cusip>
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      <sshPrnamt>136516</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>136516</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares Core S&amp;P Small-Cap</nameOfIssuer>
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    <cusip>464287804</cusip>
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    <votingAuthority>
      <Sole>495609</Sole>
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      <None>0</None>
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    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
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    <cusip>464287226</cusip>
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      <sshPrnamt>372871</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares MSCI ACWI ex US</nameOfIssuer>
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    <cusip>464288240</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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    <votingAuthority>
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    <nameOfIssuer>iShares MSCI Min Vol USA ETF</nameOfIssuer>
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    <nameOfIssuer>iShares National Muni Bond ETF</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 1000 ETF</nameOfIssuer>
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    <cusip>464287622</cusip>
    <value>754</value>
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      <sshPrnamt>4224</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 1000 Growth ET</nameOfIssuer>
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    <cusip>464287614</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 1000 Value ETF</nameOfIssuer>
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    <cusip>464287598</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 2000</nameOfIssuer>
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    <cusip>464287655</cusip>
    <value>1595</value>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 2000 Growth</nameOfIssuer>
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    <cusip>464287648</cusip>
    <value>734</value>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>iShares Russell 2000 Value</nameOfIssuer>
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    <cusip>464287630</cusip>
    <value>649</value>
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    <nameOfIssuer>iShares S&amp;P 500 Core</nameOfIssuer>
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    <cusip>464287200</cusip>
    <value>1076</value>
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      <sshPrnamt>3330</sshPrnamt>
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    <votingAuthority>
      <Sole>3330</Sole>
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      <None>0</None>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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    <cusip>478160104</cusip>
    <value>702</value>
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      <sshPrnamt>4813</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>Johnson Controls Intl, PLC</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>G51502105</cusip>
    <value>463</value>
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    <votingAuthority>
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    <nameOfIssuer>JPMorgan Chase &amp; Co</nameOfIssuer>
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    <cusip>46625H100</cusip>
    <value>1170</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8268</Sole>
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      <None>124</None>
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    <nameOfIssuer>Kimberly-Clark Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>494368103</cusip>
    <value>336</value>
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      <Sole>2444</Sole>
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      <None>0</None>
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    <nameOfIssuer>Kla-tencor Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>482480100</cusip>
    <value>970</value>
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    <votingAuthority>
      <Sole>5443</Sole>
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      <None>0</None>
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    <nameOfIssuer>Kroger Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>501044101</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23121</sshPrnamt>
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    <votingAuthority>
      <Sole>23121</Sole>
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  <infoTable>
    <nameOfIssuer>Lam Research Corporation</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>512807108</cusip>
    <value>1193</value>
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      <sshPrnamt>4081</sshPrnamt>
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    <votingAuthority>
      <Sole>4081</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Lilly Eli  Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>532457108</cusip>
    <value>548</value>
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      <sshPrnamt>4171</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4171</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Lowe's Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>548661107</cusip>
    <value>897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7494</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7494</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>McDonald's Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>580135101</cusip>
    <value>486</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1536</Sole>
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      <None>925</None>
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    <nameOfIssuer>Merck &amp; Co Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>1196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13151</sshPrnamt>
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    <votingAuthority>
      <Sole>12688</Sole>
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      <None>463</None>
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    <nameOfIssuer>Microsoft Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>594918104</cusip>
    <value>1861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11800</sshPrnamt>
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    <votingAuthority>
      <Sole>9390</Sole>
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      <None>2410</None>
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    <nameOfIssuer>Mondelez Intl Inc Class A</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>609207105</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>11164</None>
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    <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>65339F101</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>938</sshPrnamt>
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    <votingAuthority>
      <Sole>150</Sole>
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      <None>788</None>
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    <nameOfIssuer>Nice Ltd Sponsored ADR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>653656108</cusip>
    <value>469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3025</sshPrnamt>
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    <votingAuthority>
      <Sole>3025</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nike Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>654106103</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2467</sshPrnamt>
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    <votingAuthority>
      <Sole>2467</Sole>
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      <None>0</None>
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    <nameOfIssuer>NMI Holdings Inc Cl A</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>629209305</cusip>
    <value>385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11604</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11604</None>
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    <nameOfIssuer>Paychex Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>704326107</cusip>
    <value>828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9740</sshPrnamt>
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    <votingAuthority>
      <Sole>9740</Sole>
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      <None>0</None>
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    <nameOfIssuer>Paypal Hldgs Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3875</sshPrnamt>
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    <votingAuthority>
      <Sole>3875</Sole>
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      <None>0</None>
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    <nameOfIssuer>Pepsico Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>713448108</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>3170</Sole>
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      <None>0</None>
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    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>717081103</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7696</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7396</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Philip Morris International In</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>718172109</cusip>
    <value>824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
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      <None>9388</None>
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    <nameOfIssuer>Phillips 66</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>718546104</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3584</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PNC Financial Services Group I</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>693475105</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>292</Sole>
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      <None>1868</None>
    </votingAuthority>
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    <nameOfIssuer>Procter &amp; Gamble Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>742718109</cusip>
    <value>906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6250</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>Progressive Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>743315103</cusip>
    <value>839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11596</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Qualcomm Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>747525103</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6643</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Quanta Services Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>74762E102</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11720</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Republic Services Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>760759100</cusip>
    <value>635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7085</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Rio Tinto PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>767204100</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6592</Sole>
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      <None>203</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Royal Dutch Shell ADR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>780259206</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5286</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>S&amp;P Global Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78409V104</cusip>
    <value>852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3122</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Schwab US Broad Market ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>808524102</cusip>
    <value>6906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89823</sshPrnamt>
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    <votingAuthority>
      <Sole>89823</Sole>
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    <nameOfIssuer>Spdr Gold Trust Shs</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78463V107</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78462F103</cusip>
    <value>6530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20289</sshPrnamt>
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    <votingAuthority>
      <Sole>20289</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P MidCap 400 ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>660</Sole>
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      <None>0</None>
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    <nameOfIssuer>Starbucks Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>855244109</cusip>
    <value>692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7871</sshPrnamt>
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    <votingAuthority>
      <Sole>7871</Sole>
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      <None>0</None>
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    <nameOfIssuer>Stryker Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>863667101</cusip>
    <value>885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4217</sshPrnamt>
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    <votingAuthority>
      <Sole>4217</Sole>
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    <nameOfIssuer>Sysco Corporation</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>871829107</cusip>
    <value>1009</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>11794</Sole>
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    <nameOfIssuer>T Mobile US Inc</nameOfIssuer>
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    <cusip>872590104</cusip>
    <value>628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8014</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8014</Sole>
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    <nameOfIssuer>TE Connectivity Ltd</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>H84989104</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2850</sshPrnamt>
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    <votingAuthority>
      <Sole>2850</Sole>
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    <nameOfIssuer>Tetra Tech Inc New</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>88162G103</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4212</sshPrnamt>
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    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
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    <cusip>882508104</cusip>
    <value>1008</value>
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    <votingAuthority>
      <Sole>7860</Sole>
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    <nameOfIssuer>Thomson Reuters Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>884903709</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
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    <votingAuthority>
      <Sole>5500</Sole>
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    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>872540109</cusip>
    <value>1040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17039</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>89417E109</cusip>
    <value>689</value>
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      <Sole>5028</Sole>
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    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
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    <cusip>907818108</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
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    <cusip>912909108</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
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    <titleOfClass>Common</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4939</sshPrnamt>
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    <votingAuthority>
      <Sole>4939</Sole>
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    <nameOfIssuer>US Bancorp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>902973304</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4243</sshPrnamt>
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      <Sole>3143</Sole>
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