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
ABBVIE INC COM 00287Y109 428,940 1,704 SH SOLE 1,704 0 0
AFLAC INC COM 001055102 325,147 2,773 SH SOLE 2,773 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 739,814 7,708 SH SOLE 7,708 0 0
ALPHABET INC CAP STK CL A 02079K305 3,131,637 8,763 SH SOLE 8,763 0 0
ALPHABET INC CAP STK CL C 02079K107 217,300 615 SH SOLE 615 0 0
AMAZON COM INC COM 023135106 683,559 2,868 SH SOLE 2,868 0 0
AMERICAN EXPRESS CO COM 025816109 399,473 1,181 SH SOLE 1,181 0 0
APPLE INC COM 037833100 2,385,735 8,244 SH SOLE 8,244 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 332,493 4,352 SH SOLE 4,352 0 0
ARM HOLDINGS PLC SPONSORED ADS 042068205 1,487,421 4,195 SH SOLE 4,195 0 0
BAIDU INC SPON ADR REP A 056752108 1,683,835 14,733 SH SOLE 14,733 0 0
BAKER HUGHES COMPANY CL A 05722G100 586,191 10,562 SH SOLE 10,562 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 484,878 969 SH SOLE 969 0 0
BLACKROCK INC COM 09290D101 204,812 213 SH SOLE 213 0 0
BLOOM ENERGY CORP COM CL A 093712107 3,696,270 12,211 SH SOLE 12,211 0 0
CAMECO CORP COM 13321L108 1,024,304 10,056 SH SOLE 10,056 0 0
CATERPILLAR INC COM 149123101 1,303,438 1,224 SH SOLE 1,224 0 0
CHEVRON CORPORATION COM 166764100 602,262 3,633 SH SOLE 3,633 0 0
CIENA CORP COM NEW 171779309 2,100,087 4,281 SH SOLE 4,281 0 0
CISCO SYS INC COM 17275R102 2,420,131 20,603 SH SOLE 20,603 0 0
COCA COLA CO COM 191216100 447,055 5,465 SH SOLE 5,465 0 0
CORNING INC COM 219350105 969,812 3,796 SH SOLE 3,796 0 0
CSX CORP COM 126408103 236,315 4,971 SH SOLE 4,971 0 0
CUMMINS INC COM 231021106 1,400,744 1,964 SH SOLE 1,964 0 0
DEERE & CO COM 244199105 1,027,615 1,620 SH SOLE 1,620 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 228,260 1,803 SH SOLE 1,803 0 0
EATON CORP PLC SHS G29183103 382,230 897 SH SOLE 897 0 0
ELI LILLY & CO COM 532457108 371,823 310 SH SOLE 310 0 0
EMERSON ELEC CO COM 291011104 551,557 3,853 SH SOLE 3,853 0 0
FASTENAL CO COM 311900104 353,117 7,352 SH SOLE 7,352 0 0
FIFTH THIRD BANCORP COM 316773100 384,951 6,829 SH SOLE 6,829 0 0
FIRST SOLAR INC COM 336433107 1,553,325 6,583 SH SOLE 6,583 0 0
GARMIN LTD SHS H2906T109 345,700 1,455 SH SOLE 1,455 0 0
GE AEROSPACE COM NEW 369604301 202,019 540 SH SOLE 540 0 0
GENERAL DYNAMICS CORP COM 369550108 246,197 695 SH SOLE 695 0 0
HOME DEPOT INC COM 437076102 220,072 624 SH SOLE 624 0 0
INTEL CORP COM 458140100 217,301 1,556 SH SOLE 1,556 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 710,033 2,524 SH SOLE 2,524 0 0
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 126,538 11,673 SH SOLE 11,673 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 46,407,183 218,109 SH SOLE 218,109 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 30,916,090 326,912 SH SOLE 326,912 0 0
ISHARES TR 20 YR TR BD ETF 464287432 6,028,746 69,761 SH SOLE 69,761 0 0
ISHARES TR U S EQUITY FACTR 46434V282 395,594 5,230 SH SOLE 5,230 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 1,293,599 28,030 SH SOLE 28,030 0 0
ISHARES TR IBOXX INV CP ETF 464287242 29,749,980 272,760 SH SOLE 272,760 0 0
ISHARES TR CORE S&P US VLU 464287663 2,145,064 19,474 SH SOLE 19,474 0 0
ISHARES TR EXPANDED TECH 464287515 1,802,668 19,897 SH SOLE 19,897 0 0
ISHARES TR CORE S&P500 ETF 464287200 235,151 314 SH SOLE 314 0 0
ISHARES TR CORE INTL AGGR 46435G672 338,109 6,682 SH SOLE 6,682 0 0
ISHARES TR CORE S&P US GWT 464287671 244,705 1,301 SH SOLE 1,301 0 0
ISHARES TR MBS ETF 464288588 278,356 2,944 SH SOLE 2,944 0 0
JOHNSON & JOHNSON COM 478160104 641,274 2,525 SH SOLE 2,525 0 0
JPMORGAN CHASE & CO COM 46625H100 1,007,859 3,079 SH SOLE 3,079 0 0
KROGER CO COM 501044101 337,000 6,068 SH SOLE 6,068 0 0
LOCKHEED MARTIN CORP COM 539830109 259,258 508 SH SOLE 508 0 0
LOWES COS INC COM 548661107 256,871 1,165 SH SOLE 1,165 0 0
MCDONALDS CORP COM 580135101 225,605 834 SH SOLE 834 0 0
MERCK & CO INC COM 58933Y105 555,377 4,322 SH SOLE 4,322 0 0
META PLATFORMS INC CL A 30303M102 222,222 394 SH SOLE 394 0 0
METLIFE INC COM 59156R108 344,109 4,067 SH SOLE 4,067 0 0
MICROSOFT CORP COM 594918104 759,775 2,036 SH SOLE 2,036 0 0
MONDELEZ INTL INC CL A 609207105 295,967 5,117 SH SOLE 5,117 0 0
NVIDIA CORPORATION COM 67066G104 432,276 2,160 SH SOLE 2,160 0 0
OKLO INC COM CL A 02156V109 426,385 8,148 SH SOLE 8,148 0 0
PAYSIGN INC COM 70451A104 5,030,093 614,175 SH SOLE 614,175 0 0
PEPSICO INC COM 713448108 431,926 3,190 SH SOLE 3,190 0 0
PFIZER INC COM 717081103 883,432 36,687 SH SOLE 36,687 0 0
PRICE T ROWE GROUP INC COM 74144T108 292,638 2,574 SH SOLE 2,574 0 0
PROCTER & GAMBLE CO COM 742718109 795,807 5,426 SH SOLE 5,426 0 0
PRUDENTIAL FINL INC COM 744320102 560,978 5,197 SH SOLE 5,197 0 0
RTX CORPORATION COM 75513E101 560,676 2,955 SH SOLE 2,955 0 0
S&P GLOBAL INC COM 78409V104 502,152 1,303 SH SOLE 1,303 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 314,984 9,927 SH SOLE 9,927 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 821,386 22,277 SH SOLE 22,277 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 28,064,678 776,769 SH SOLE 776,769 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 314,591 13,601 SH SOLE 13,601 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 352,455 12,724 SH SOLE 12,724 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 25,774,105 812,806 SH SOLE 812,806 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,035,810 35,195 SH SOLE 35,195 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 693,833 19,932 SH SOLE 19,932 0 0
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698 573,358 25,325 SH SOLE 25,325 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 5,748,572 158,537 SH SOLE 158,537 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,058,298 174,664 SH SOLE 174,664 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 1,910,062 35,964 SH SOLE 35,964 0 0
SNAP ON INC COM 833034101 556,611 1,383 SH SOLE 1,383 0 0
SPDR GOLD TR GOLD SHS 78463V107 355,118 964 SH SOLE 964 0 0
SPDR SERIES TRUST ST INTER ETF 78464A672 453,627 15,978 SH SOLE 15,978 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,967,505 16,535 SH SOLE 16,535 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 351,467 470 SH SOLE 470 0 0
STOCK YDS BANCORP INC COM 861025104 356,536 4,643 SH SOLE 4,643 0 0
TARGET CORP COM 87612E106 258,477 1,979 SH SOLE 1,979 0 0
TESLA INC COM 88160R101 1,762,735 4,191 SH SOLE 4,191 0 0
TEXAS INSTRS INC COM 882508104 660,512 2,215 SH SOLE 2,215 0 0
UNION PAC CORP COM 907818108 419,424 1,542 SH SOLE 1,542 0 0
UNITED PARCEL SVCS INC CL B 911312106 201,023 1,869 SH SOLE 1,869 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 69,108,184 941,400 SH SOLE 941,400 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,036,411 4,209 SH SOLE 4,209 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 531,553 1,436 SH SOLE 1,436 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 341,345 497 SH SOLE 497 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,481,992 29,635 SH SOLE 29,635 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,640,957 144,763 SH SOLE 144,763 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 317,307 1,341 SH SOLE 1,341 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 246,040 2,878 SH SOLE 2,878 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 9,523,399 133,661 SH SOLE 133,661 0 0
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885 211,370 3,143 SH SOLE 3,143 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 221,766 1,403 SH SOLE 1,403 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 3,447,094 15,287 SH SOLE 15,287 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 2,748,841 6,930 SH SOLE 6,930 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 3,856,485 29,304 SH SOLE 29,304 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 6,351,724 53,143 SH SOLE 53,143 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 3,159,724 10,567 SH SOLE 10,567 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 3,965,389 11,003 SH SOLE 11,003 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801 792,515 3,463 SH SOLE 3,463 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 1,405,402 7,180 SH SOLE 7,180 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 3,308,803 17,987 SH SOLE 17,987 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 208,281 4,919 SH SOLE 4,919 0 0