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
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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
AbbVie Inc. Stock 00287Y109 593,378 2,358 SH SOLE 0 0 2,358
Advanced Micro Devices Inc. Stock 007903107 242,173 417 SH SOLE 0 0 417
AH Realty Trust Inc. REIT 04208T108 206,460 29,161 SH SOLE 0 0 29,161
Allstate Corporation Stock 020002101 496,700 2,088 SH SOLE 0 0 2,088
Alphabet Inc. Cl A Stock 02079K305 1,612,461 4,512 SH SOLE 0 0 4,512
Alphabet Inc. Cl C Stock 02079K107 1,667,718 4,720 SH SOLE 0 0 4,720
Amazon.com Inc. Stock 023135106 1,103,412 4,630 SH SOLE 0 0 4,630
Amphenol Corp. Cl A Stock 032095101 245,614 1,393 SH SOLE 0 0 1,393
Apollo Global Management, Inc. Stock 03769M106 272,350 2,302 SH SOLE 0 0 2,302
Apple Inc. Stock 037833100 13,047,626 45,091 SH SOLE 0 0 45,091
Applied Materials Inc. Stock 038222105 242,928 336 SH SOLE 0 0 336
ASML Holding N.V. ADR N07059210 1,949,472 980 SH SOLE 0 0 980
Bank of America Corp. Stock 060505104 875,406 15,363 SH SOLE 0 0 15,363
Berkshire Hathaway Inc. Stock 084670702 2,420,809 4,838 SH SOLE 0 0 4,838
Berkshire Hathaway Inc. Stock 084670108 748,850 1 SH SOLE 0 0 1
Boeing Co. Stock 097023105 503,081 2,324 SH SOLE 0 0 2,324
Broadcom Inc. Stock 11135F101 440,079 1,165 SH SOLE 0 0 1,165
Calvert US Large-Cap Core Responsible Index ETF ETF 61774R205 205,409 2,174 SH SOLE 0 0 2,174
Capital One Financial Corp. Stock 14040H105 297,405 1,482 SH SOLE 0 0 1,482
Caterpillar Inc. Stock 149123101 1,078,744 1,013 SH SOLE 0 0 1,013
Chevron Corp. Stock 166764100 357,555 2,157 SH SOLE 0 0 2,157
Cisco Systems Inc. Stock 17275R102 3,610,526 30,738 SH SOLE 0 0 30,738
Coca-Cola Co. Stock 191216100 753,973 9,277 SH SOLE 0 0 9,277
Costco Wholesale Corp. Stock 22160K105 1,622,723 1,735 SH SOLE 0 0 1,735
Cummins Inc. Stock 231021106 623,346 874 SH SOLE 0 0 874
Dimensional International Core Equity Market ETF ETF 25434V203 1,125,547 27,286 SH SOLE 0 0 27,286
Dimensional U.S. Core Equity 2 ETF ETF 25434V708 436,135 9,832 SH SOLE 0 0 9,832
Dimensional World ex U.S. Core Equity 2 ETF ETF 25434V880 204,536 5,552 SH SOLE 0 0 5,552
Duke Energy Corp. Stock 26441C204 1,600,853 12,647 SH SOLE 0 0 12,647
Eli Lilly & Co. Stock 532457108 721,118 601 SH SOLE 0 0 601
Enbridge Inc. Stock 29250N105 265,404 4,896 SH SOLE 0 0 4,896
Energy Select Sector SPDR Fund ETF 81369Y506 472,237 8,892 SH SOLE 0 0 8,892
Enterprise Products Partners L.P. Stock 293792107 538,755 14,656 SH SOLE 0 0 14,656
Exxon Mobil Corp. Stock 30233Q108 922,563 6,748 SH SOLE 0 0 6,748
Fifth Third Bancorp Stock 316773100 227,133 4,029 SH SOLE 0 0 4,029
Financial Select Sector SPDR Fund ETF 81369Y605 317,586 5,924 SH SOLE 0 0 5,924
First Trust NASDAQ Clean Edge Green Energy Idx EFT ETF 33733E500 263,172 4,292 SH SOLE 0 0 4,292
Fresenius Medical Care AG ADR 358029106 200,641 8,874 SH SOLE 0 0 8,874
GE Aerospace Stock 369604301 312,828 837 SH SOLE 0 0 837
GE Vernova Inc. Stock 36828A101 374,780 319 SH SOLE 0 0 319
HCA Healthcare, Inc. Stock 40412C101 420,595 1,079 SH SOLE 0 0 1,079
Home Depot Inc. Stock 437076102 1,259,205 3,570 SH SOLE 0 0 3,570
Huntington Bancshares Incorporated Stock 446150104 2,579,339 145,479 SH SOLE 0 0 145,479
Illinois Tool Works Stock 452308109 339,178 1,254 SH SOLE 0 0 1,254
International Business Machines Corporation Stock 459200101 602,693 2,143 SH SOLE 0 0 2,143
Invesco FTSE RAFI US 1000 ETF ETF 46137V613 110,980,148 2,054,047 SH SOLE 0 0 2,054,047
Invesco FTSE RAFI US 1500 Small-Mid ETF ETF 46137V597 44,923,747 805,518 SH SOLE 0 0 805,518
Invesco Global Water ETF ETF 46138E651 201,659 4,484 SH SOLE 0 0 4,484
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282 463,304 7,183 SH SOLE 0 0 7,183
iShares 0-5 Year TIPS Bond ETF ETF 46429B747 654,612 6,408 SH SOLE 0 0 6,408
iShares Core 80/20 Aggressive Allocation ETF ETF 464289859 498,524 5,108 SH SOLE 0 0 5,108
iShares Core MSCI EAFE ETF ETF 46432F842 9,731,850 100,765 SH SOLE 0 0 100,765
iShares Core MSCI Emerging Markets ETF ETF 46434G103 5,304,230 64,030 SH SOLE 0 0 64,030
iShares Core MSCI Intl Developed Markets ETF ETF 46435G326 4,942,600 55,529 SH SOLE 0 0 55,529
iShares Core S&P 500 ETF ETF 464287200 1,651,302 2,205 SH SOLE 0 0 2,205
iShares Core U.S. Aggregate Bond ETF ETF 464287226 41,245,861 416,709 SH SOLE 0 0 416,709
iShares Gold Trust ETF ETF 464285204 416,891 5,521 SH SOLE 0 0 5,521
iShares MSCI EAFE ETF ETF 464287465 30,000,038 288,795 SH SOLE 0 0 288,795
iShares MSCI Emerging Markets ETF ETF 464287234 7,152,902 104,559 SH SOLE 0 0 104,559
iShares MSCI Emerging Markets ex China ETF ETF 46434G764 5,760,892 56,314 SH SOLE 0 0 56,314
iShares MSCI KLD 400 Social ETF ETF 464288570 396,020 2,781 SH SOLE 0 0 2,781
iShares MSCI World ETF ETF 464286392 434,603 2,145 SH SOLE 0 0 2,145
iShares Russell 1000 ETF ETF 464287622 116,660,539 284,885 SH SOLE 0 0 284,885
iShares Russell 1000 Growth ETF ETF 464287614 11,985,094 96,522 SH SOLE 0 0 96,522
iShares Russell 1000 Value ETF ETF 464287598 8,996,751 37,111 SH SOLE 0 0 37,111
iShares Russell 2000 ETF ETF 464287655 13,434,197 44,714 SH SOLE 0 0 44,714
iShares Russell 2000 Growth ETF ETF 464287648 433,930 1,101 SH SOLE 0 0 1,101
iShares Russell Mid-Cap ETF ETF 464287499 341,882 3,099 SH SOLE 0 0 3,099
iShares Russell Mid-Cap Growth ETF ETF 464287481 307,754 2,102 SH SOLE 0 0 2,102
iShares Russell Mid-Cap Value ETF ETF 464287473 246,406 1,497 SH SOLE 0 0 1,497
iShares S&P 500 Growth ETF ETF 464287309 1,005,207 7,309 SH SOLE 0 0 7,309
iShares Select Dividend ETF ETF 464287168 383,265 2,452 SH SOLE 0 0 2,452
iShares Select U.S. REIT ETF ETF 464287564 207,768 3,072 SH SOLE 0 0 3,072
iShares TIPS Bond ETF ETF 464287176 36,254,348 331,302 SH SOLE 0 0 331,302
iShares Treasury Floating Rate Bond ETF ETF 46434V860 67,148,284 1,326,255 SH SOLE 0 0 1,326,255
iShares U.S. Healthcare ETF ETF 464287762 320,308 4,780 SH SOLE 0 0 4,780
Johnson & Johnson Inc. Stock 478160104 733,727 2,889 SH SOLE 0 0 2,889
JPMorgan Chase & Co. Stock 46625H100 788,573 2,409 SH SOLE 0 0 2,409
JPMorgan Equity Premium Income ETF ETF 46641Q332 214,455 3,797 SH SOLE 0 0 3,797
JPMorgan Hedged Equity Laddered Overlay ETF ETF 46654Q724 246,464 3,647 SH SOLE 0 0 3,647
JPMorgan Municipal ETF ETF 46641Q647 796,297 15,720 SH SOLE 0 0 15,720
JPMorgan Ultra-Short Income ETF ETF 46641Q837 23,828,715 471,203 SH SOLE 0 0 471,203
JPMorgan Ultra-Short Municipal Income ETF ETF 46641Q654 239,700 4,700 SH SOLE 0 0 4,700
Lowes Companies, Inc. Stock 548661107 4,343,349 19,699 SH SOLE 0 0 19,699
Marriott International Inc. Stock 571903202 227,542 614 SH SOLE 0 0 614
Mastercard Incorporated Stock 57636Q104 432,451 842 SH SOLE 0 0 842
McCormick & Company, Inc. Stock 579780107 877,396 17,374 SH SOLE 0 0 17,374
McDonalds Corporation Stock 580135101 476,016 1,761 SH SOLE 0 0 1,761
Merck & Co. Inc. Stock 58933Y105 206,211 1,605 SH SOLE 0 0 1,605
Meta Platforms, Inc. Stock 30303M102 354,089 629 SH SOLE 0 0 629
Micron Technology, Inc Stock 595112103 203,155 176 SH SOLE 0 0 176
Microsoft Corp. Stock 594918104 3,911,156 10,485 SH SOLE 0 0 10,485
Morgan Stanley Stock 617446448 1,095,232 5,239 SH SOLE 0 0 5,239
Motorola Solutions Inc. Stock 620076307 676,030 1,628 SH SOLE 0 0 1,628
NVIDIA Corporation Stock 67066G104 1,243,452 6,214 SH SOLE 0 0 6,214
Oracle Corporation Stock 68389X105 306,876 2,094 SH SOLE 0 0 2,094
Palo Alto Networks, Inc. Stock 697435105 240,419 705 SH SOLE 0 0 705
Park National Corp. Stock 700658107 748,795 4,092 SH SOLE 0 0 4,092
Phillips 66 Stock 718546104 261,499 1,547 SH SOLE 0 0 1,547
PIMCO 1-5 Year U.S. TIPS Index ETF ETF 72201R205 5,617,854 105,322 SH SOLE 0 0 105,322
PIMCO Commodity Strategy Active ETF ETF 72201R593 223,400 7,284 SH SOLE 0 0 7,284
PIMCO Enhanced Short Maturity Active ETF ETF 72201R833 917,133 9,098 SH SOLE 0 0 9,098
Procter & Gamble Co. Stock 742718109 384,385 2,621 SH SOLE 0 0 2,621
Public Service Enterprise Group Inc. Stock 744573106 486,960 6,000 SH SOLE 0 0 6,000
Raymond James Financial Inc. Stock 754730109 331,577 2,181 SH SOLE 0 0 2,181
Ross Stores Inc. Stock 778296103 213,595 1,004 SH SOLE 0 0 1,004
RTX Corporation Stock 75513E101 675,811 3,562 SH SOLE 0 0 3,562
Schwab Fundamental U.S. Large Company ETF ETF 808524771 455,692 14,652 SH SOLE 0 0 14,652
Shopify Inc. Stock 82509L107 201,870 1,768 SH SOLE 0 0 1,768
SPDR Gold Shares ETF ETF 78463V107 692,620 1,880 SH SOLE 0 0 1,880
SPDR S&P 500 ETF ETF 78462F103 707,557 947 SH SOLE 0 0 947
Taiwan Semiconductor Mfg Co. Ltd. ADR 874039100 247,859 519 SH SOLE 0 0 519
Tesla Inc. Stock 88160R101 253,201 602 SH SOLE 0 0 602
Thermo Fisher Scientific, Inc. Stock 883556102 301,474 601 SH SOLE 0 0 601
TowneBank Stock 89214P109 632,823 17,462 SH SOLE 0 0 17,462
Truist Financial Corp. Stock 89832Q109 2,048,326 41,115 SH SOLE 0 0 41,115
Union Pacific Corp. Stock 907818108 324,455 1,193 SH SOLE 0 0 1,193
UnitedHealth Group Inc. Stock 91324P102 331,361 797 SH SOLE 0 0 797
VanEck Vectors Gold Miners ETF ETF 92189F106 281,146 3,726 SH SOLE 0 0 3,726
Vanguard 0-3 Month Treasury Bill ETF ETF 922040845 6,088,002 80,444 SH SOLE 0 0 80,444
Vanguard ESG International Stock ETF ETF 921910725 285,671 3,469 SH SOLE 0 0 3,469
Vanguard ESG U.S. Stock ETF ETF 921910733 1,513,057 11,442 SH SOLE 0 0 11,442
Vanguard FTSE Developed Markets ETF ETF 921943858 104,187,025 1,462,274 SH SOLE 0 0 1,462,274
Vanguard FTSE Emerging Markets ETF ETF 922042858 29,918,263 501,227 SH SOLE 0 0 501,227
Vanguard Large Cap ETF ETF 922908637 322,931 939 SH SOLE 0 0 939
Vanguard Mid-Cap Growth ETF ETF 922908538 281,490 919 SH SOLE 0 0 919
Vanguard Mid-Cap Index Fund ETF ETF 922908629 246,866 3,064 SH SOLE 0 0 3,064
Vanguard Mid-Cap Value ETF ETF 922908512 205,109 1,038 SH SOLE 0 0 1,038
Vanguard Russell 1000 ETF ETF 92206C730 18,070,496 53,349 SH SOLE 0 0 53,349
Vanguard Russell 1000 Value ETF ETF 92206C714 1,740,508 16,372 SH SOLE 0 0 16,372
Vanguard Russell 2000 ETF ETF 92206C664 2,124,969 17,501 SH SOLE 0 0 17,501
Vanguard Russell 3000 ETF ETF 92206C599 536,579 1,619 SH SOLE 0 0 1,619
Vanguard S&P 500 Value ETF ETF 921932703 862,755 3,936 SH SOLE 0 0 3,936
Vanguard Short-Term Bond ETF ETF 921937827 52,594,608 675,069 SH SOLE 0 0 675,069
Vanguard Short-Term Inflation-Protected Securities ETF ETF 922020805 2,369,211 47,167 SH SOLE 0 0 47,167
Vanguard Short-Term Tax-Exempt Bond ETF ETF 921935870 673,104 6,644 SH SOLE 0 0 6,644
Vanguard Small-Cap Value Index ETF ETF 922908611 1,529,991 6,297 SH SOLE 0 0 6,297
Vanguard Total Bond Market ETF ETF 921937835 16,864,751 229,734 SH SOLE 0 0 229,734
Vanguard Total Stock Market ETF ETF 922908769 3,071,056 8,299 SH SOLE 0 0 8,299
Vanguard Total World Stock Index ETF ETF 922042742 6,485,321 41,321 SH SOLE 0 0 41,321
Vanguard Value ETF ETF 922908744 2,809,518 12,892 SH SOLE 0 0 12,892
Visa Inc. Stock 92826C839 448,311 1,307 SH SOLE 0 0 1,307
W.R. Berkley Corporation Stock 084423102 642,951 9,116 SH SOLE 0 0 9,116
Walmart Inc. Stock 931142103 423,026 3,735 SH SOLE 0 0 3,735
Wells Fargo & Co. Stock 949746101 503,608 6,094 SH SOLE 0 0 6,094