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 499,757 1,986 SH SOLE 1,986 0 0
ADVANCED MICRO DEVICES INC COM 007903107 472,280 813 SH SOLE 813 0 0
ALPHABET INC CAP STK CL A 02079K305 3,267,504 9,143 SH SOLE 9,143 0 0
ALPHABET INC CAP STK CL C 02079K107 2,367,311 6,700 SH SOLE 6,700 0 0
ALTRIA GROUP INC COM 02209S103 596,397 8,289 SH SOLE 8,289 0 0
AMAZON COM INC COM 023135106 2,911,800 12,217 SH SOLE 12,217 0 0
AMERICAN CENTY ETF TR US EQT ETF 025072885 541,650 4,229 SH SOLE 4,229 0 0
AMERICAN ELEC PWR CO INC COM 025537101 282,918 2,067 SH SOLE 2,067 0 0
AMERICAN EXPRESS CO COM 025816109 384,590 1,137 SH SOLE 1,137 0 0
AMGEN INC COM 031162100 302,370 835 SH SOLE 835 0 0
AMPHENOL CORP CL A 032095101 399,894 2,268 SH SOLE 2,268 0 0
APPLE INC COM 037833100 19,305,456 66,717 SH SOLE 66,717 0 0
APPLIED MATLS INC COM 038222105 1,297,874 1,795 SH SOLE 1,795 0 0
ARISTA NETWORKS INC COM SHS 040413205 296,780 1,747 SH SOLE 1,747 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 393,909 198 SH SOLE 198 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,874,961 3,747 SH SOLE 3,747 0 0
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 280,800 3,503 SH SOLE 3,503 0 0
BOEING CO COM 097023105 207,595 959 SH SOLE 959 0 0
BROADCOM INC COM 11135F101 1,284,475 3,400 SH SOLE 3,400 0 0
CAPITAL GROUP GROWTH ETF SHS CREAT UNIT 14020G101 339,793 7,199 SH SOLE 7,199 0 0
CATERPILLAR INC COM 149123101 845,531 794 SH SOLE 794 0 0
CHEVRON CORPORATION COM 166764100 717,575 4,329 SH SOLE 4,329 0 0
CINCINNATI FINL CORP COM 172062101 1,486,119 8,027 SH SOLE 8,027 0 0
CISCO SYS INC COM 17275R102 583,643 4,968 SH SOLE 4,968 0 0
COCA COLA CO COM 191216100 290,947 3,580 SH SOLE 3,580 0 0
CONSOLIDATED EDISON INC COM 209115104 438,869 3,967 SH SOLE 3,967 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,694,448 1,811 SH SOLE 1,811 0 0
CSX CORP COM 126408103 367,549 7,733 SH SOLE 7,733 0 0
DEERE & CO COM 244199105 314,628 496 SH SOLE 496 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 6,133,174 118,653 SH SOLE 118,653 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 547,687 6,684 SH SOLE 6,684 0 0
DISNEY WALT CO COM 254687106 1,005,428 10,446 SH SOLE 10,446 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 490,567 3,875 SH SOLE 3,875 0 0
ELI LILLY & CO COM 532457108 930,558 775 SH SOLE 775 0 0
EXXON MOBIL CORP COM 30231G102 891,861 6,523 SH SOLE 6,523 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 1,409,735 30,990 SH SOLE 30,990 0 0
GENERAL DYNAMICS CORP COM 369550108 224,234 633 SH SOLE 633 0 0
GILEAD SCIENCES INC COM 375558103 906,326 7,173 SH SOLE 7,173 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 350,371 346 SH SOLE 346 0 0
HOME DEPOT INC COM 437076102 626,712 1,777 SH SOLE 1,777 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 536,830 1,909 SH SOLE 1,909 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 302,228 15,408 SH SOLE 15,408 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 753,337 1,023 SH SOLE 1,023 0 0
ISHARES INC CORE MSCI EMKT 46434G103 17,985,709 217,113 SH SOLE 217,113 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 15,495,697 128,883 SH SOLE 128,883 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 215,604 1,786 SH SOLE 1,786 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 2,907,926 28,885 SH SOLE 28,885 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,626,407 132,302 SH SOLE 132,302 0 0
ISHARES TR CORE MSCI EAFE 46432F842 9,331,418 96,618 SH SOLE 96,618 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 13,646,123 142,981 SH SOLE 142,981 0 0
ISHARES TR CORE S&P MCP ETF 464287507 29,388,606 381,125 SH SOLE 381,125 0 0
ISHARES TR CORE S&P SCP ETF 464287804 25,328,489 170,780 SH SOLE 170,780 0 0
ISHARES TR CORE S&P TTL STK 464287150 16,936,448 103,101 SH SOLE 103,101 0 0
ISHARES TR CORE S&P US GWT 464287671 287,402 1,528 SH SOLE 1,528 0 0
ISHARES TR CORE S&P US VLU 464287663 270,418 2,455 SH SOLE 2,455 0 0
ISHARES TR CORE S&P500 ETF 464287200 65,686,644 87,712 SH SOLE 87,712 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 351,340 7,613 SH SOLE 7,613 0 0
ISHARES TR CORE US AGGBD ET 464287226 45,206,947 456,728 SH SOLE 456,728 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 364,002 2,224 SH SOLE 2,224 0 0
ISHARES TR ESG OPTIMIZED 464288802 239,319 1,551 SH SOLE 1,551 0 0
ISHARES TR FUTU EXPO TE ETF 46434V381 3,318,314 40,158 SH SOLE 40,158 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 1,369,484 54,236 SH SOLE 54,236 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 1,199,785 49,536 PRN SOLE 49,536 0 0
ISHARES TR IBONDS DEC 2030 46436E726 759,945 34,859 SH SOLE 34,859 0 0
ISHARES TR IBONDS DEC 2031 46436E486 691,596 33,186 SH SOLE 33,186 0 0
ISHARES TR IBONDS DEC 29 46436E205 1,238,367 53,470 SH SOLE 53,470 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 1,471,208 60,718 PRN SOLE 60,718 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 21,336,547 221,195 SH SOLE 221,195 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 452,026 2,060 SH SOLE 2,060 0 0
ISHARES TR MSCI USA VALUE 46432F388 4,036,362 20,201 SH SOLE 20,201 0 0
ISHARES TR NATIONAL MUN ETF 464288414 9,834,900 91,385 SH SOLE 91,385 0 0
ISHARES TR RUS 1000 ETF 464287622 238,739 583 SH SOLE 583 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 60,481,228 487,084 SH SOLE 487,084 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 1,259,060 5,193 SH SOLE 5,193 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 348,822 1,161 SH SOLE 1,161 0 0
ISHARES TR S&P 500 VAL ETF 464287408 206,852 911 SH SOLE 911 0 0
ISHARES TR U S EQUITY FACTR 46434V282 821,342 10,860 SH SOLE 10,860 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 317,305 5,618 SH SOLE 5,618 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 13,883,172 274,073 SH SOLE 274,073 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 942,540 18,638 SH SOLE 18,638 0 0
JOHNSON & JOHNSON COM 478160104 1,334,150 5,253 SH SOLE 5,253 0 0
JPMORGAN CHASE & CO COM 46625H100 4,692,528 14,335 SH SOLE 14,335 0 0
KLA CORP COM NEW 482480100 310,761 1,030 SH SOLE 1,030 0 0
LINDE PLC SHS G54950103 322,781 622 SH SOLE 622 0 0
LOCKHEED MARTIN CORP COM 539830109 287,081 563 SH SOLE 563 0 0
MASTERCARD INCORPORATED CL A 57636Q104 550,579 1,072 SH SOLE 1,072 0 0
MCDONALDS CORP COM 580135101 551,984 2,042 SH SOLE 2,042 0 0
MERCK & CO INC COM 58933Y105 894,874 6,964 SH SOLE 6,964 0 0
META PLATFORMS INC CL A 30303M102 1,659,495 2,946 SH SOLE 2,946 0 0
MICROSOFT CORP COM 594918104 4,944,603 13,255 SH SOLE 13,255 0 0
MORGAN STANLEY COM NEW 617446448 342,198 1,637 SH SOLE 1,637 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 286,965 691 SH SOLE 691 0 0
NEXTERA ENERGY INC COM 65339F101 1,281,354 14,599 SH SOLE 14,599 0 0
NORTHROP GRUMMAN CORP COM 666807102 329,524 647 SH SOLE 647 0 0
NVIDIA CORPORATION COM 67066G104 2,452,503 12,257 SH SOLE 12,257 0 0
ORACLE CORP COM 68389X105 239,902 1,637 SH SOLE 1,637 0 0
PEPSICO INC COM 713448108 1,245,836 9,201 SH SOLE 9,201 0 0
PFIZER INC COM 717081103 543,245 22,560 SH SOLE 22,560 0 0
PHILIP MORRIS INTL INC COM 718172109 296,390 1,638 SH SOLE 1,638 0 0
PROCTER & GAMBLE CO COM 742718109 1,166,784 7,956 SH SOLE 7,956 0 0
PRUDENTIAL FINL INC COM 744320102 264,536 2,451 SH SOLE 2,451 0 0
RTX CORPORATION COM 75513E101 549,271 2,895 SH SOLE 2,895 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,015,696 221,245 SH SOLE 221,245 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 235,970 8,018 SH SOLE 8,018 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 3,075,374 16,142 SH SOLE 16,142 0 0
SOUTHERN CO COM 842587107 801,284 8,372 SH SOLE 8,372 0 0
SPDR GOLD TR GOLD SHS 78463V107 687,397 1,866 SH SOLE 1,866 0 0
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 486,309 19,056 SH SOLE 19,056 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,158,090 4,229 SH SOLE 4,229 0 0
TESLA INC COM 88160R101 1,285,774 3,057 SH SOLE 3,057 0 0
TEXAS INSTRS INC COM 882508104 309,719 1,039 SH SOLE 1,039 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 222,938 444 SH SOLE 444 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 1,021,122 2,079 SH SOLE 2,079 0 0
UNION PAC CORP COM 907818108 253,096 930 SH SOLE 930 0 0
UNITEDHEALTH GROUP INC COM 91324P102 650,461 1,565 SH SOLE 1,565 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 31,058,465 423,082 SH SOLE 423,082 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 25,724,710 298,638 SH SOLE 298,638 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 206,887 1,047 SH SOLE 1,047 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 5,714,596 70,927 SH SOLE 70,927 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 17,541,310 25,540 SH SOLE 25,540 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,995,310 23,077 SH SOLE 23,077 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 53,913,390 145,696 SH SOLE 145,696 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 57,838,202 265,398 SH SOLE 265,398 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,469,034 29,481 SH SOLE 29,481 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,799,975 46,908 SH SOLE 46,908 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 627,015 3,995 SH SOLE 3,995 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,848,062 36,792 SH SOLE 36,792 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 10,560,747 208,792 SH SOLE 208,792 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4,735,799 80,295 SH SOLE 80,295 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 43,435,156 183,565 SH SOLE 183,565 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 26,533,713 310,372 SH SOLE 310,372 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,657,412 37,297 SH SOLE 37,297 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 7,618,248 43,048 SH SOLE 43,048 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 10,055,813 63,632 SH SOLE 63,632 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 354,932 2,684 SH SOLE 2,684 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 432,184 3,616 SH SOLE 3,616 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 263,634 6,226 SH SOLE 6,226 0 0
VICTORY PORTFOLIOS II SHS FR CA FL ETF 92647X830 200,980 4,393 SH SOLE 4,393 0 0
VISA INC COM CL A 92826C839 1,762,323 5,136 SH SOLE 5,136 0 0
WALMART INC COM 931142103 861,034 7,602 SH SOLE 7,602 0 0