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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
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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
AMAZON COM INC COM 023135106 431,744 2,073 SH SOLE 0 0 0 2,073
APPLE INC COM 037833100 602,421 2,374 SH SOLE 0 0 0 2,374
ASML HLDG NV N Y REGISTRY SHS N07059210 205,410 156 SH SOLE 0 0 0 156
BOEING CO COM 097023105 210,176 1,056 SH SOLE 0 0 0 1,056
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 10,279,970 255,784 SH SOLE 0 0 0 255,784
ISHARES INC MSCI WORLD ETF 464286392 10,053,950 55,849 SH SOLE 0 0 0 55,849
ISHARES TR IBOXX INV CP ETF 464287242 374,931 3,440 SH SOLE 0 0 0 3,440
ISHARES TR 0-5YR HI YL CP 46434V407 3,026,649 71,535 SH SOLE 0 0 0 71,535
ISHARES TR NATIONAL MUN ETF 464288414 960,734 9,051 SH SOLE 0 0 0 9,051
ISHARES TR SHRT NAT MUN ETF 464288158 422,138 3,964 SH SOLE 0 0 0 3,964
ISHARES TR CORE S&P MCP ETF 464287507 27,434,897 406,262 SH SOLE 0 0 0 406,262
MICROSOFT CORP COM 594918104 670,172 1,810 SH SOLE 0 0 0 1,810
NVIDIA CORPORATION COM 67066G104 4,326,272 24,807 SH SOLE 0 0 0 24,807
SCHWAB CHARLES CORP COM 808513105 236,004 2,511 SH SOLE 0 0 0 2,511
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 390,072 13,391 SH SOLE 0 0 0 13,391
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 586,086 19,216 SH SOLE 0 0 0 19,216
SPDR INDEX SHS FDS STATE STREET SPD 78463X889 387,783 8,495 SH SOLE 0 0 0 8,495
SPDR SERIES TRUST STATE STREET SPD 78464A649 456,066 17,801 SH SOLE 0 0 0 17,801
SPDR SERIES TRUST STATE STREET SPD 78468R622 219,679 2,295 SH SOLE 0 0 0 2,295
SPDR SERIES TRUST STATE STREET SPD 78464A854 746,402 9,752 SH SOLE 0 0 0 9,752
SPDR SERIES TRUST STATE STREET SPD 78464A508 578,088 10,217 SH SOLE 0 0 0 10,217
SPDR SERIES TRUST STATE STREET SPD 78464A409 35,725,651 364,883 SH SOLE 0 0 0 364,883
STOCK YDS BANCORP INC COM 861025104 661,707 9,982 SH SOLE 0 0 0 9,982
TESLA INC COM 88160R101 2,075,109 5,582 SH SOLE 0 0 0 5,582
VANGUARD BD INDEX FDS INTERMED TERM 921937819 4,171,703 54,052 SH SOLE 0 0 0 54,052
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 707,043 14,715 SH SOLE 0 0 0 14,715
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 491,005 2,664 SH SOLE 0 0 0 2,664
VANGUARD INDEX FDS VALUE ETF 922908744 907,480 4,625 SH SOLE 0 0 0 4,625
VANGUARD INDEX FDS MID CAP ETF 922908629 16,617,957 57,866 SH SOLE 0 0 0 57,866
VANGUARD INDEX FDS SM CP VAL ETF 922908611 399,441 1,839 SH SOLE 0 0 0 1,839
VANGUARD INDEX FDS SMALL CP ETF 922908751 38,955,141 148,729 SH SOLE 0 0 0 148,729
VANGUARD INDEX FDS GROWTH ETF 922908736 1,558,952 3,569 SH SOLE 0 0 0 3,569
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 7,387,582 53,409 SH SOLE 0 0 0 53,409
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 10,774,574 135,922 SH SOLE 0 0 0 135,922
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 253,328 3,953 SH SOLE 0 0 0 3,953
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 398,358 6,064 SH SOLE 0 0 0 6,064