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 290,245 1,153 SH SOLE 1,153 0 0
ALPHABET INC CAP STK CL A 02079K305 1,087,569 3,043 SH SOLE 3,043 0 0
ALPHABET INC CAP STK CL C 02079K107 636,727 1,802 SH SOLE 1,802 0 0
AMAZON COM INC COM 023135106 1,480,455 6,212 SH SOLE 6,211 0 0
AMEREN CORP COM 023608102 271,409 2,401 SH SOLE 2,401 0 0
APPLE INC COM 037833100 4,843,443 16,738 SH SOLE 16,738 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,399,090 2,796 SH SOLE 2,796 0 0
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 16,106,663 236,828 SH SOLE 236,827 0 0
BLACKROCK ETF TRUST ISHA I IN TE ETF 09290C780 12,401,868 235,240 SH SOLE 235,240 0 0
BROADCOM INC COM 11135F101 954,952 2,528 SH SOLE 2,528 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 2,126,245 77,402 SH SOLE 77,402 0 0
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508 389,176 14,865 SH SOLE 14,865 0 0
CAPITAL GRP FIXED INCM ETF T SHOR DUR MUN ETF 14020Y607 3,036,038 115,067 SH SOLE 115,066 0 0
CHEVRON CORPORATION COM 166764100 322,162 1,944 SH SOLE 1,943 0 0
CISCO SYS INC COM 17275R102 237,042 2,018 SH SOLE 2,018 0 0
CORNING INC COM 219350105 923,379 3,615 SH SOLE 3,615 0 0
DESIGNER BRANDS INC CL A 250565108 111,738 19,166 SH SOLE 19,166 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 204,847 5,573 SH SOLE 5,572 0 0
FARMERS NATIONAL BANC CORP COM 309627107 350,237 23,989 SH SOLE 23,988 0 0
FIDELITY COVINGTON TRUST MSCI INFO TECH I 316092808 1,142,320 4,000 SH SOLE 4,000 0 0
GILEAD SCIENCES INC COM 375558103 262,800 2,080 SH SOLE 2,080 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 258,084 4,215 SH SOLE 4,215 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 478,036 649 SH SOLE 649 0 0
ISHARES INC MSCI EMRG CHN 46434G764 854,619 8,354 SH SOLE 8,354 0 0
ISHARES INC CORE MSCI EMKT 46434G103 11,150,359 134,601 SH SOLE 134,601 0 0
ISHARES TR CORE S&P SCP ETF 464287804 9,731,572 65,616 SH SOLE 65,616 0 0
ISHARES TR US INFRASTRUC 46435U713 420,854 6,676 SH SOLE 6,675 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 231,570 771 SH SOLE 770 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 817,076 9,316 SH SOLE 9,315 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 6,905,516 71,589 SH SOLE 71,589 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 14,028,830 63,933 SH SOLE 63,933 0 0
ISHARES TR MSCI USA MMENTM 46432F396 4,396,439 12,824 SH SOLE 12,823 0 0
ISHARES TR U.S. TECH ETF 464287721 1,520,598 6,029 SH SOLE 6,028 0 0
ISHARES TR CORE S&P500 ETF 464287200 390,851 522 SH SOLE 521 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,273,494 21,125 SH SOLE 21,125 0 0
ISHARES TR MSCI USA VALUE 46432F388 382,119 1,912 SH SOLE 1,912 0 0
ISHARES U S ETF TR SHOR MAT MUN ETF 46431W838 301,979 5,994 SH SOLE 5,994 0 0
JOHNSON & JOHNSON COM 478160104 286,240 1,127 SH SOLE 1,127 0 0
JPMORGAN CHASE & CO COM 46625H100 648,705 1,982 SH SOLE 1,981 0 0
KINDER MORGAN INC DEL COM 49456B101 293,005 9,165 SH SOLE 9,165 0 0
META PLATFORMS INC CL A 30303M102 272,490 484 SH SOLE 483 0 0
MICRON TECHNOLOGY INC COM 595112103 251,167 218 SH SOLE 217 0 0
MICROSOFT CORP COM 594918104 915,509 2,454 SH SOLE 2,454 0 0
NVIDIA CORPORATION COM 67066G104 6,932,087 34,645 SH SOLE 34,644 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 359,123 3,332 SH SOLE 3,332 0 0
RICHMOND MUT BANCORPORATION COM 76525P100 682,896 43,004 SH SOLE 43,003 0 0
RTX CORPORATION COM 75513E101 397,787 2,097 SH SOLE 2,096 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,204,582 33,340 SH SOLE 33,340 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,961,379 67,727 SH SOLE 67,727 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,364,870 121,475 SH SOLE 121,475 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 29,177,865 862,230 SH SOLE 862,230 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 507,523 13,997 SH SOLE 13,996 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 24,364,118 699,917 SH SOLE 699,917 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 559,953 15,187 SH SOLE 15,187 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 5,264,418 166,018 SH SOLE 166,017 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 12,316,481 396,028 SH SOLE 396,028 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 29,898,336 566,686 SH SOLE 566,685 0 0
SOUTHERN CO COM 842587107 237,457 2,481 SH SOLE 2,481 0 0
SPDR SERIES TRUST ST STR SP600SM C 78464A300 2,447,738 22,434 SH SOLE 22,433 0 0
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 1,196,136 10,041 SH SOLE 10,040 0 0
SPDR SERIES TRUST ST STR SP600 SML 78468R853 3,208,234 55,631 SH SOLE 55,630 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 25,044,625 284,987 SH SOLE 284,986 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 9,633,472 12,900 SH SOLE 12,900 0 0
T ROWE PRICE EXCHANGE-TRADED PRICE GRW STOCK 87283Q305 1,206,614 25,285 SH SOLE 25,285 0 0
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 1,153,833 28,074 SH SOLE 28,073 0 0
TESLA INC COM 88160R101 307,439 731 SH SOLE 730 0 0
TORO CO COM 891092108 447,392 4,592 SH SOLE 4,592 0 0
UPSTART HLDGS INC COM 91680M107 212,828 6,007 SH SOLE 6,007 0 0
USA COMPRESSION PARTNERS LP COM UNIT LTDPAR 90290N109 436,702 16,548 SH SOLE 16,548 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 481,221 3,499 SH SOLE 3,498 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 710,346 9,676 SH SOLE 9,676 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 370,471 1,001 SH SOLE 1,001 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 665,252 2,195 SH SOLE 2,194 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,362,072 1,983 SH SOLE 1,983 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 849,027 3,494 SH SOLE 3,494 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 2,439,781 6,672 SH SOLE 6,671 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 13,289,686 60,981 SH SOLE 60,981 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 19,582,001 227,328 SH SOLE 227,327 0 0
VANGUARD MALVERN FDS CORE BD ETF 922020748 19,165,866 248,157 SH SOLE 248,157 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,577,226 6,666 SH SOLE 6,665 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 11,374,306 133,048 SH SOLE 133,048 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 8,072,822 86,451 SH SOLE 86,451 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 249,557 1,579 SH SOLE 1,579 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 3,904,658 17,316 SH SOLE 17,316 0 0
VISA INC COM CL A 92826C839 265,747 775 SH SOLE 774 0 0