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
ALPHABET INC CAP STK CL A 02079K305 4,448,975 15,471 SH SOLE 15,471 0 0
ALPHABET INC CAP STK CL C 02079K107 3,251,463 11,335 SH SOLE 11,335 0 0
AMAZON COM INC COM 023135106 3,299,830 15,844 SH SOLE 15,844 0 0
APPLE INC COM 037833100 7,217,915 28,441 SH SOLE 28,441 0 0
CINCINNATI FINL CORP COM 172062101 1,729,682 10,993 SH SOLE 10,993 0 0
COHEN & STEERS ETF TRUST REAL ESTATE ACTI 19249U104 379,615 14,445 SH SOLE 14,445 0 0
COLUMBIA ETF TR I RESH ENHNC COR 19761L706 749,018 19,215 SH SOLE 19,215 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 1,045,712 21,168 SH SOLE 21,168 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 22,645,424 318,367 SH SOLE 318,367 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 9,641,549 284,747 SH SOLE 284,747 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 5,205,122 146,499 SH SOLE 146,499 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 2,483,539 63,746 SH SOLE 63,746 0 0
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 1,510,495 42,299 SH SOLE 42,299 0 0
DIMENSIONAL ETF TRUST ULTRASHORT FIXED 25434V591 1,493,829 29,458 SH SOLE 29,458 0 0
FIDELITY COVINGTON TRUST ENHANCED LARGE 316092113 789,595 21,770 SH SOLE 21,770 0 0
FIDELITY COVINGTON TRUST ENHANCED INTL 31609A404 422,862 11,367 SH SOLE 11,367 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 17,653,396 386,458 SH SOLE 386,458 0 0
FIFTH THIRD BANCORP COM 316773100 759,876 16,355 SH SOLE 16,355 0 0
FIRST COMWLTH FINL CORP PA COM 319829107 211,400 12,025 SH SOLE 12,025 0 0
FIRST TR EXCHANGE TRADED FD RISNG DIVD ACHIV 33738R506 3,144,050 46,046 SH SOLE 46,046 0 0
FIRST TR EXCHANGE-TRADED FD SHS 336917109 649,753 12,790 SH SOLE 12,790 0 0
INNOVATOR ETFS TRUST US EQTY BUFR FEB 45782C433 1,644,441 34,473 SH SOLE 34,473 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C417 1,530,096 38,157 SH SOLE 38,157 0 0
INNOVATOR ETFS TRUST US EQTY BUF DEC 45782C557 702,156 14,628 SH SOLE 14,628 0 0
INNOVATOR ETFS TRUST US EQTY BUFR JAN 45782C409 660,812 12,391 SH SOLE 12,391 0 0
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C656 476,545 11,067 SH SOLE 11,067 0 0
INNOVATOR ETFS TRUST DEFINED WLT SHLD 45783Y855 418,982 12,520 SH SOLE 12,520 0 0
ISHARES INC CORE MSCI EMKT 46434G103 985,550 14,130 SH SOLE 14,130 0 0
ISHARES TR CORE S&P500 ETF 464287200 42,995,433 65,656 SH SOLE 65,656 0 0
ISHARES TR CORE S&P US VLU 464287663 32,808,661 320,867 SH SOLE 320,867 0 0
ISHARES TR CORE S&P US GWT 464287671 15,546,885 100,231 SH SOLE 100,231 0 0
ISHARES TR HDG MSCI EAFE 46434V803 12,576,007 295,941 SH SOLE 295,941 0 0
ISHARES TR CORE S&P MCP ETF 464287507 12,380,976 182,907 SH SOLE 182,907 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,035,538 24,283 SH SOLE 24,283 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 1,661,667 21,095 SH SOLE 21,095 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,618,900 17,456 SH SOLE 17,456 0 0
ISHARES TR MRGSTR MD CP VAL 464288406 1,174,489 13,852 SH SOLE 13,852 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,115,477 12,208 SH SOLE 12,208 0 0
ISHARES TR SELECT US REIT 464287564 1,051,042 16,982 SH SOLE 16,982 0 0
ISHARES TR CORE DIV GRWTH 46434V621 709,866 10,115 SH SOLE 10,115 0 0
KROGER CO COM 501044101 857,392 11,849 SH SOLE 11,849 0 0
MICROSOFT CORP COM 594918104 5,110,553 13,806 SH SOLE 13,806 0 0
NVIDIA CORPORATION COM 67066G104 4,206,781 24,121 SH SOLE 24,121 0 0
PROCTER & GAMBLE CO COM 742718109 3,916,172 27,113 SH SOLE 27,113 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,737,668 187,017 SH SOLE 187,017 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,856,966 92,279 SH SOLE 92,279 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 907,942 18,556 SH SOLE 18,556 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 281,907 10,995 SH SOLE 10,995 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A854 974,603 12,733 SH SOLE 12,733 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 18,027,050 91,881 SH SOLE 91,881 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 16,473,266 37,714 SH SOLE 37,714 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 4,104,478 15,671 SH SOLE 15,671 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,663,506 11,420 SH SOLE 11,420 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 3,462,563 11,586 SH SOLE 11,586 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,239,355 11,280 SH SOLE 11,280 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,990,628 46,670 SH SOLE 46,670 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 1,063,610 12,316 SH SOLE 12,316 0 0