<SEC-DOCUMENT>0001521951-22-000041.txt : 20220509
<SEC-HEADER>0001521951-22-000041.hdr.sgml : 20220509
<ACCEPTANCE-DATETIME>20220509160249
ACCESSION NUMBER:		0001521951-22-000041
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220331
FILED AS OF DATE:		20220509
DATE AS OF CHANGE:		20220509
EFFECTIVENESS DATE:		20220509

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:		22904804

	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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          <com:street2>PO Box 44961</com:street2>
          <com:city>MADISON</com:city>
          <com:stateOrCountry>WI</com:stateOrCountry>
          <com:zipCode>53744</com:zipCode>
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    <signatureBlock>
      <name>Brendan Freeman</name>
      <title>President, Private Wealth</title>
      <phone>608-232-5951</phone>
      <signature>/s/ Brendan Freeman</signature>
      <city>Madison</city>
      <stateOrCountry>WI</stateOrCountry>
      <signatureDate>05-03-2022</signatureDate>
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      <Sole>41976</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CVS Health Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>126650100</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2060</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Charles River Labs Intl</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>159864107</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chevron Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>166764100</cusip>
    <value>762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1243</Sole>
      <Shared>0</Shared>
      <None>3435</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>17275R102</cusip>
    <value>2626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44115</Sole>
      <Shared>0</Shared>
      <None>2979</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cintas Corporation</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>172908105</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Citigroup Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>172967424</cusip>
    <value>912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15670</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cleveland-Cliffs Inc New Com</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>185899101</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Coca-Cola Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>191216100</cusip>
    <value>2288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12854</Sole>
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      <None>24050</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Corning Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>219350105</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11944</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>22160K105</cusip>
    <value>1698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2948</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Cummins Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>231021106</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1004</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Danaher Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>235851102</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>237194105</cusip>
    <value>1030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Walt Disney Company</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>254687106</cusip>
    <value>2188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG Res Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>26875P101</cusip>
    <value>214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>eBay Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>278642103</cusip>
    <value>1183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Goedecker Inc.</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>28252C109</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Electronic Arts Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>285512109</cusip>
    <value>1361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10756</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10756</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Essential Utilities, Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>29670G102</cusip>
    <value>1367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exact Sciences Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>30063P105</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>2415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Expedia Group Inc New</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>30212P303</cusip>
    <value>1394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7125</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9382</Sole>
      <Shared>0</Shared>
      <None>5413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Meta Platforms Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>30303M102</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1225</Sole>
      <Shared>0</Shared>
      <None>423</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Fidelity National Information</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>31620M106</cusip>
    <value>1323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5284</Sole>
      <Shared>0</Shared>
      <None>7887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>First Business Financial Servi</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>319390100</cusip>
    <value>11253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>342963</None>
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  <infoTable>
    <nameOfIssuer>Fiserv Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>337738108</cusip>
    <value>6533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1185</Sole>
      <Shared>0</Shared>
      <None>63244</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Arthur J. Gallagher &amp; Co</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>363576109</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1276</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Generac Holdings Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>368736104</cusip>
    <value>1330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4475</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Harley-Davidson Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>412822108</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>650</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Home Depot Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>437076102</cusip>
    <value>1875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5933</Sole>
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      <None>330</None>
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  <infoTable>
    <nameOfIssuer>Illinois Tool Works Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>452308109</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1076</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Intel Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>458140100</cusip>
    <value>928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17067</Sole>
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      <None>1650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>45866F104</cusip>
    <value>1549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11474</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco Qqq Tr ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>46090E103</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Intuitive Surgical Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>46120E602</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1410</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>Invesco S&amp;P 500 Equal Weight</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>46137V357</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2498</None>
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  <infoTable>
    <nameOfIssuer>Iqvia Holdings Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>46266C105</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares S&amp;P 500 Core</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287200</cusip>
    <value>2537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5591</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287226</cusip>
    <value>57344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>535429</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287465</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>iShares Russell Mid-Cap Value</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>464287473</cusip>
    <value>208</value>
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    <value>3022</value>
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    <votingAuthority>
      <Sole>16954</Sole>
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      <None>1098</None>
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    <nameOfIssuer>Pfizer Inc</nameOfIssuer>
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    <cusip>717081103</cusip>
    <value>480</value>
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      <sshPrnamt>9267</sshPrnamt>
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      <Sole>8967</Sole>
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      <None>300</None>
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    <nameOfIssuer>Philip Morris International In</nameOfIssuer>
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    <cusip>718172109</cusip>
    <value>1134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12068</sshPrnamt>
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    <votingAuthority>
      <Sole>2680</Sole>
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      <None>9388</None>
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    <nameOfIssuer>Procter &amp; Gamble Co</nameOfIssuer>
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    <cusip>742718109</cusip>
    <value>1496</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>Qualcomm Inc</nameOfIssuer>
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    <cusip>747525103</cusip>
    <value>1485</value>
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      <None>0</None>
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    <nameOfIssuer>Quanta Services Inc</nameOfIssuer>
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    <cusip>74762E102</cusip>
    <value>1009</value>
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    <votingAuthority>
      <Sole>7668</Sole>
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      <None>0</None>
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    <nameOfIssuer>Republic Services Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>760759100</cusip>
    <value>1409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10636</sshPrnamt>
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    <votingAuthority>
      <Sole>10636</Sole>
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      <None>0</None>
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    <nameOfIssuer>ResMed Inc</nameOfIssuer>
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    <cusip>761152107</cusip>
    <value>213</value>
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      <sshPrnamt>877</sshPrnamt>
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    <votingAuthority>
      <Sole>877</Sole>
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      <None>0</None>
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    <nameOfIssuer>Rio Tinto PLC Sponsored ADR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>767204100</cusip>
    <value>1467</value>
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      <sshPrnamt>18251</sshPrnamt>
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    <votingAuthority>
      <Sole>18251</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>20296</value>
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      <sshPrnamt>44938</sshPrnamt>
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    <votingAuthority>
      <Sole>44938</Sole>
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      <None>0</None>
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    <nameOfIssuer>Spdr Gold Trust Shs</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78463V107</cusip>
    <value>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
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    <votingAuthority>
      <Sole>2100</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDR Bloomberg Convertible Sec</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78464A359</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3650</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3650</Sole>
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      <None>0</None>
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    <nameOfIssuer>SPDRA S&amp;P MidCap 400 ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>887</value>
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      <sshPrnamt>1808</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1808</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schlumberger Ltd</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>806857108</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12551</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12551</Sole>
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      <None>0</None>
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    <nameOfIssuer>The Charles Schwab Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>808513105</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2823</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2823</Sole>
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      <None>0</None>
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    <nameOfIssuer>Schwab US Large-Cap ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>808524201</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5196</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5196</Sole>
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      <None>0</None>
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    <nameOfIssuer>Consumer Discr Select Sect SPD</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2822</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2822</Sole>
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      <None>0</None>
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    <nameOfIssuer>Energy Select Sector SPDR ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25925</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25925</Sole>
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      <None>0</None>
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    <nameOfIssuer>Financial Select Sector SPDR E</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30520</sshPrnamt>
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    <votingAuthority>
      <Sole>30520</Sole>
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      <None>0</None>
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    <nameOfIssuer>Industrials Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>2217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21526</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21526</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Technology Select Sector SPDR</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13335</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13335</Sole>
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      <None>0</None>
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    <nameOfIssuer>Communication Sector Select SP</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
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    <votingAuthority>
      <Sole>5500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Snowflake Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>833445109</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1002</sshPrnamt>
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    <votingAuthority>
      <Sole>1002</Sole>
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    <nameOfIssuer>Starbucks Corp</nameOfIssuer>
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    <cusip>855244109</cusip>
    <value>215</value>
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      <sshPrnamt>2363</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2309</Sole>
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    <nameOfIssuer>Stryker Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>863667101</cusip>
    <value>1506</value>
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      <sshPrnamt>5632</sshPrnamt>
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    <votingAuthority>
      <Sole>5632</Sole>
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    <nameOfIssuer>TJX Companies Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>872540109</cusip>
    <value>1227</value>
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      <sshPrnamt>20254</sshPrnamt>
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    <votingAuthority>
      <Sole>20254</Sole>
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    <nameOfIssuer>T Mobile US Inc</nameOfIssuer>
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    <cusip>872590104</cusip>
    <value>1480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11533</sshPrnamt>
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    <votingAuthority>
      <Sole>11533</Sole>
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    <nameOfIssuer>Tesla Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>88160R101</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>499</Sole>
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    <nameOfIssuer>Tetra Tech Inc New</nameOfIssuer>
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    <cusip>88162G103</cusip>
    <value>771</value>
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      <sshPrnamt>4676</sshPrnamt>
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      <Sole>4676</Sole>
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    <nameOfIssuer>Texas Instruments Inc</nameOfIssuer>
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    <cusip>882508104</cusip>
    <value>1902</value>
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    <nameOfIssuer>Thermo Fisher Scientific Inc</nameOfIssuer>
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    <cusip>883556102</cusip>
    <value>232</value>
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      <sshPrnamt>393</sshPrnamt>
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      <Sole>393</Sole>
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    <nameOfIssuer>Thomson Reuters Corp</nameOfIssuer>
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    <cusip>884903709</cusip>
    <value>607</value>
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      <sshPrnamt>5581</sshPrnamt>
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    <nameOfIssuer>Transdigm Group Inc</nameOfIssuer>
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    <cusip>893641100</cusip>
    <value>431</value>
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  <infoTable>
    <nameOfIssuer>Twilio Inc</nameOfIssuer>
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    <cusip>90138F102</cusip>
    <value>237</value>
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      <Sole>1440</Sole>
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    <nameOfIssuer>US Bancorp</nameOfIssuer>
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    <cusip>902973304</cusip>
    <value>288</value>
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      <None>1000</None>
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    <nameOfIssuer>Union Pacific Corp</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>907818108</cusip>
    <value>407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1489</sshPrnamt>
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    <nameOfIssuer>UnitedHealth Group Inc</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>91324P102</cusip>
    <value>2158</value>
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      <Sole>4231</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard FTSE Developed Market</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>921943858</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5245</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>5245</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard Communication SVCS ET</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>92204A884</cusip>
    <value>744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6200</sshPrnamt>
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    <votingAuthority>
      <Sole>6200</Sole>
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    <nameOfIssuer>Vanguard Mid-Cap ETF</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>922908629</cusip>
    <value>1059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4451</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4451</Sole>
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  <infoTable>
    <nameOfIssuer>Vanguard Index Growth</nameOfIssuer>
    <titleOfClass>Common</titleOfClass>
    <cusip>922908736</cusip>
    <value>432</value>
    <shrsOrPrnAmt>
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