The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
8X8 INC NEW COM 282914100 39,831 18,788 SH SOLE 0 0 18,788
ALPHABET INC CAP STK CL A 02079K305 1,977,619 8,135 SH SOLE 0 0 8,135
ALPHABET INC CAP STK CL C 02079K107 7,151,202 29,362 SH SOLE 0 0 29,362
AMAZON COM INC COM 023135106 5,800,161 26,416 SH SOLE 0 0 26,416
APPLE INC COM 037833100 2,701,682 10,610 SH SOLE 0 0 10,610
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,396,612 2,778 SH SOLE 0 0 2,778
CATERPILLAR INC COM 149123101 869,367 1,822 SH SOLE 0 0 1,822
CHURCH & DWIGHT CO INC COM 171340102 1,028,776 11,740 SH SOLE 0 0 11,740
CINCINNATI FINL CORP COM 172062101 2,286,758 14,464 SH SOLE 0 0 14,464
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 17,082,096 293,456 SH SOLE 0 0 293,456
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 6,293,814 163,179 SH SOLE 0 0 163,179
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 41,101,454 1,309,798 SH SOLE 0 0 1,309,798
DOLBY LABORATORIES INC COM CL A 25659T107 287,598 3,974 SH SOLE 0 0 3,974
EXXON MOBIL CORP COM 30231G102 575,363 5,103 SH SOLE 0 0 5,103
GE AEROSPACE COM NEW 369604301 307,739 1,023 SH SOLE 0 0 1,023
GRAINGER W W INC COM 384802104 724,250 760 SH SOLE 0 0 760
HOME DEPOT INC COM 437076102 267,020 659 SH SOLE 0 0 659
IES HLDGS INC COM 44951W106 437,415 1,100 SH SOLE 0 0 1,100
INTERNATIONAL BUSINESS MACHS COM 459200101 807,824 2,863 SH SOLE 0 0 2,863
INTUIT COM 461202103 523,109 766 SH SOLE 0 0 766
INVESCO QQQ TR UNIT SER 1 46090E103 535,759 892 SH SOLE 0 0 892
ISHARES INC CORE MSCI EMKT 46434G103 1,910,428 28,981 SH SOLE 0 0 28,981
ISHARES TR RUS 1000 GRW ETF 464287614 586,918 1,253 SH SOLE 0 0 1,253
ISHARES TR U.S. REAL ES ETF 464287739 1,029,922 10,609 SH SOLE 0 0 10,609
ISHARES TR RUS MD CP GR ETF 464287481 510,397 3,584 SH SOLE 0 0 3,584
ISHARES TR CORE MSCI EAFE 46432F842 1,366,663 15,653 SH SOLE 0 0 15,653
ISHARES TR IBOXX HI YD ETF 464288513 16,693,658 205,612 SH SOLE 0 0 205,612
ISHARES TR TIPS BD ETF 464287176 11,513,939 103,524 SH SOLE 0 0 103,524
ISHARES TR CORE S&P500 ETF 464287200 3,448,234 5,152 SH SOLE 0 0 5,152
ISHARES TR CORE S&P SCP ETF 464287804 1,813,428 15,261 SH SOLE 0 0 15,261
ISHARES TR RUS MID CAP ETF 464287499 722,291 7,481 SH SOLE 0 0 7,481
ISHARES TR JPMORGAN USD EMG 464288281 4,726,088 49,649 SH SOLE 0 0 49,649
ISHARES TR CORE US AGGBD ET 464287226 7,370,757 73,524 SH SOLE 0 0 73,524
ISHARES TR ISHS 1-5YR INVS 464288646 11,410,942 215,179 SH SOLE 0 0 215,179
JPMORGAN CHASE & CO. COM 46625H100 1,077,509 3,416 SH SOLE 0 0 3,416
MASTERCARD INCORPORATED CL A 57636Q104 216,148 380 SH SOLE 0 0 380
MCDONALDS CORP COM 580135101 217,889 717 SH SOLE 0 0 717
META PLATFORMS INC CL A 30303M102 1,324,312 1,803 SH SOLE 0 0 1,803
MICROSOFT CORP COM 594918104 1,102,010 2,128 SH SOLE 0 0 2,128
NATERA INC COM 632307104 452,648 2,812 SH SOLE 0 0 2,812
NVIDIA CORPORATION COM 67066G104 15,379,188 82,427 SH SOLE 0 0 82,427
ORACLE CORP COM 68389X105 992,496 3,529 SH SOLE 0 0 3,529
QUALCOMM INC COM 747525103 269,670 1,621 SH SOLE 0 0 1,621
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 31,619,256 1,358,215 SH SOLE 0 0 1,358,215
SCHWAB STRATEGIC TR US TIPS ETF 808524870 37,379,717 1,387,002 SH SOLE 0 0 1,387,002
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 52,599,252 2,241,127 SH SOLE 0 0 2,241,127
SCHWAB STRATEGIC TR US REIT ETF 808524847 21,372,584 990,848 SH SOLE 0 0 990,848
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 162,096,588 6,154,009 SH SOLE 0 0 6,154,009
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 27,476,846 984,833 SH SOLE 0 0 984,833
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 38,850,676 1,164,240 SH SOLE 0 0 1,164,240
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 14,175,984 329,981 SH SOLE 0 0 329,981
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 333,173 2,394 SH SOLE 0 0 2,394
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 276,838 5,139 SH SOLE 0 0 5,139
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 219,851 780 SH SOLE 0 0 780
SPDR GOLD TR GOLD SHS 78463V107 763,550 2,148 SH SOLE 0 0 2,148
SPDR S&P 500 ETF TR TR UNIT 78462F103 4,980,078 7,476 SH SOLE 0 0 7,476
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 368,347 618 SH SOLE 0 0 618
SPDR SERIES TRUST S&P SEMICNDCTR 78464A862 304,468 954 SH SOLE 0 0 954
SPDR SERIES TRUST BLOOMBERG HIGH Y 78468R622 2,857,290 29,159 SH SOLE 0 0 29,159
SYNOPSYS INC COM 871607107 256,069 519 SH SOLE 0 0 519
TESLA INC COM 88160R101 422,039 949 SH SOLE 0 0 949
UNITED PARCEL SERVICE INC CL B 911312106 364,441 4,363 SH SOLE 0 0 4,363
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 12,607,426 169,523 SH SOLE 0 0 169,523
VANGUARD INDEX FDS LARGE CAP ETF 922908637 27,045,193 87,849 SH SOLE 0 0 87,849
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,582,117 61,060 SH SOLE 0 0 61,060
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,121,615 39,805 SH SOLE 0 0 39,805
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 300,855 491 SH SOLE 0 0 491
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,044,329 6,229 SH SOLE 0 0 6,229
VANGUARD INDEX FDS VALUE ETF 922908744 806,731 4,326 SH SOLE 0 0 4,326
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,730,691 17,875 SH SOLE 0 0 17,875
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 9,966,964 183,960 SH SOLE 0 0 183,960
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 299,040 4,190 SH SOLE 0 0 4,190
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 444,119 5,056 SH SOLE 0 0 5,056
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 670,719 8,405 SH SOLE 0 0 8,405
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 61,543,293 769,965 SH SOLE 0 0 769,965
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,153,120 119,378 SH SOLE 0 0 119,378
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 25,279,901 377,876 SH SOLE 0 0 377,876
VANGUARD WORLD FD INF TECH ETF 92204A702 355,396 476 SH SOLE 0 0 476
VISA INC COM CL A 92826C839 235,552 690 SH SOLE 0 0 690
WALMART INC COM 931142103 356,175 3,456 SH SOLE 0 0 3,456