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
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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
3M Co COM 88579Y101 50,931 310 SH SOLE 0 0 310
Abbott Laboratories COM 002824100 4,302 44 SH SOLE 0 0 44
AbbVie Inc COM 00287Y109 865,572 3,312 SH SOLE 0 0 3,312
Adobe Inc COM 00724F101 45,589 190 SH SOLE 0 0 190
Alphabet Inc A CAP STK CL A 02079K305 177,700 546 SH SOLE 0 0 546
Alphabet Inc Class C CAP STK CL C 02079K107 352,269 1,034 SH SOLE 0 0 1,034
Altria Group Inc COM 02209S103 2,888,491 42,881 SH SOLE 0 0 42,881
Amazon.com Inc COM 023135106 2,337,301 9,397 SH SOLE 0 0 9,397
Ameren Corp COM 023608102 1,193 12 SH SOLE 0 0 12
American Airlines COM 02376R102 2,674 200 SH SOLE 0 0 200
American Electric Power Co Inc COM 025537101 1,305 11 SH SOLE 0 0 11
American Express Co COM 025816109 24,839 94 SH SOLE 0 0 94
Amgen Inc COM 031162100 60,811 144 SH SOLE 0 0 144
Amkor Technology Inc COM 031652100 66,293 1,266 SH SOLE 0 0 1,266
Analog Devices Inc COM 032654105 89,656 226 SH SOLE 0 0 226
APi Group Corp COM STK 00187Y100 60,911 1,578 SH SOLE 0 0 1,578
Apple Inc COM 037833100 3,459,724 10,397 SH SOLE 0 0 10,397
Applied Science Products Inc. COM NEW 038169207 731 30 SH SOLE 0 0 30
ARK Autonomous Technology&Robotics ETF AUTNMUS TECHNLGY 00214Q203 6,200 51 SH SOLE 0 0 51
ARK Genomic Revolution ETF GENOMIC REV ETF 00214Q302 9,597 177 SH SOLE 0 0 177
ARK Innovation ETF INNOVATION ETF 00214Q104 6,148 69 SH SOLE 0 0 69
AT&T Inc COM 00206R102 265,751 10,893 SH SOLE 0 0 10,893
Autodesk Inc COM 052769106 4,389 21 SH SOLE 0 0 21
Automatic Data Processing Inc COM 053015103 1,548 6 SH SOLE 0 0 6
Ballard Power Systems Inc. COM 058586108 408 200 SH SOLE 0 0 200
Bank of America Corp COM 060505104 3,103 57 SH SOLE 0 0 57
Bank OZK COM 06417N103 7,349 160 SH SOLE 0 0 160
Black Hills Corp COM 092113109 118,764 1,695 SH SOLE 0 0 1,695
Boeing Co COM 097023105 2,791 15 SH SOLE 0 0 15
Boston Scientific Corp COM 101137107 4,365 100 SH SOLE 0 0 100
Bristol-Myers Squibb Co COM 110122108 20,986 337 SH SOLE 0 0 337
Broadcom Inc COM 11135F101 538,237 1,533 SH SOLE 0 0 1,533
Cardinal Health Inc COM 14149Y108 33,679 151 SH SOLE 0 0 151
Carlisle Companies Inc COM 142339100 9,343 29 SH SOLE 0 0 29
Carpenter Technology Corp COM 144285103 79,815 205 SH SOLE 0 0 205
Charles Schwab Corp COM 808513105 24,090 246 SH SOLE 0 0 246
Chevron Corp COM 166764100 413,211 2,022 SH SOLE 0 0 2,022
Chubb Ltd COM H1467J104 28,947 89 SH SOLE 0 0 89
Cincinnati Financial Corp COM 172062101 58,690 369 SH SOLE 0 0 369
Cisco Systems Inc COM 17275R102 58,766 546 SH SOLE 0 0 546
Citigroup Inc COM NEW 172967424 84,659 654 SH SOLE 0 0 654
Coca-Cola Co COM 191216100 94,970 1,103 SH SOLE 0 0 1,103
COCA-COLA EURO PTNRS F SHS G25839104 4,005 39 SH SOLE 0 0 39
Cognizant Technology Solutions Corp Class A CL A 192446102 18,385 320 SH SOLE 0 0 320
Community Trust Bancorp Inc COM 204149108 147,700 1,989 SH SOLE 0 0 1,989
Consolidated Edison Inc COM 209115104 261,440 2,557 SH SOLE 0 0 2,557
Constellation Brands Inc Class A CL A 21036P108 6,291 56 SH SOLE 0 0 56
Constellation Energy Corp COM 21037T109 1,016 4 SH SOLE 0 0 4
Consumer Discret Sel Sect SPDR ETF ST STR DISCR ETF 81369Y407 5,038 46 SH SOLE 0 0 46
Consumer Staples Select Sector SPDR ETF ST STR STAPL ETF 81369Y308 2,382 30 SH SOLE 0 0 30
Costco Wholesale Corp COM 22160K105 31,862 35 SH SOLE 0 0 35
CrowdStrike Holdings Inc Class A CL A 22788C105 10,590 40 SH SOLE 0 0 40
CRWV COM CL A 21873S108 4,008 46 SH SOLE 0 0 46
Cummins Inc COM 231021106 19,771 38 SH SOLE 0 0 38
CVS Health Corp COM 126650100 11,442 134 SH SOLE 0 0 134
Darden Restaurants Inc COM 237194105 92,951 481 SH SOLE 0 0 481
Delta Air Lines Inc COM NEW 247361702 11,336 136 SH SOLE 0 0 136
DocuSign Inc COM 256163106 25,853 385 SH SOLE 0 0 385
Dominion Energy Inc COM 25746U109 1,562,277 25,811 SH SOLE 0 0 25,811
Dover Corp COM 260003108 1,496 8 SH SOLE 0 0 8
Duke Energy Corp COM NEW 26441C204 454,724 3,988 SH SOLE 0 0 3,988
eBay Inc COM 278642103 25,509 241 SH SOLE 0 0 241
Eli Lilly and Co COM 532457108 72,268 62 SH SOLE 0 0 62
Emerson Electric Co COM 291011104 34,898 225 SH SOLE 0 0 225
Entergy Corp COM 29364G103 74,444 750 SH SOLE 0 0 750
EOG Resources Inc COM 26875P101 964 7 SH SOLE 0 0 7
Expeditors International of Washington Inc COM 302130109 3,711 20 SH SOLE 0 0 20
Exxon Mobil Corp COM *D* 30231G102 181,881 1,118 SH SOLE 0 0 1,118
FedEx Corp COM 31428X106 4,029 14 SH SOLE 0 0 14
FedEx Freight Holding Company, Inc COMMON STOCK 314352105 766 7 SH SOLE 0 0 7
FGL HOLDINGS COMMON STOCK 30190A104 108 5 SH SOLE 0 0 5
Fidelity National Financial Inc COM SHS 31620R303 3,587 93 SH SOLE 0 0 93
Financial Select Sector SPDR ETF ST STR FINL ETF 81369Y605 9,243 173 SH SOLE 0 0 173
First Trust Fund of Buffer ETFs FT LADD BUFF ETF 33740F755 11,241 300 SH SOLE 0 0 300
FirstCash Holdings Inc COM 33768G107 82,873 391 SH SOLE 0 0 391
Franklin Resources Inc COM 354613101 2,278,400 70,935 SH SOLE 0 0 70,935
General Dynamics Corp COM 369550108 28,222 85 SH SOLE 0 0 85
General Motors Co COM 37045V100 9,613 124 SH SOLE 0 0 124
Gilead Sciences Inc COM 375558103 7,115 48 SH SOLE 0 0 48
GLDG COM 38149E101 3,455 3,624 SH SOLE 0 0 3,624
Goldman Sachs Physical Gold ETF UNIT 38150K103 9,585 234 SH SOLE 0 0 234
Guardant Health Inc COM 40131M109 5,351 30 SH SOLE 0 0 30
Health Care Select Sector SPDR ETF ST STR CARE ETF 81369Y209 8,524 51 SH SOLE 0 0 51
Hewlett Packard Enterprise Co COM 42824C109 639 10 SH SOLE 0 0 10
Himax Technologies Inc. ADR SPONSORED ADR 43289P106 1,407 100 SH SOLE 0 0 100
Icahn Enterprises LP DEPOSITARY UNIT 451100101 2,615 387 SH SOLE 0 0 387
Illinois Tool Works Inc COM 452308109 39,878 155 SH SOLE 0 0 155
Industrial Select Sector SPDR ETF ST STR INDL ETF 81369Y704 6,900 41 SH SOLE 0 0 41
Intel Corp COM 458140100 12,263 102 SH SOLE 0 0 102
International Business Machines Corp COM 459200101 152,493 693 SH SOLE 0 0 693
Intuit Inc COM 461202103 12,370 45 SH SOLE 0 0 45
Intuitive Surgical Inc COM NEW 46120E602 26,838 66 SH SOLE 0 0 66
Invesco S&P 500 Equal Weight ETF S&P500 EQL WGT 46137V357 51,173 246 SH SOLE 0 0 246
Invesco S&P Global Water ETF S&P GBL WATER 46138E263 32,662 524 SH SOLE 0 0 524
Invesco S&P International Dev Momt ETF S&P INTL MOMNT 46138E222 26,438 433 SH SOLE 0 0 433
Invesco Water Resources ETF WATER RES ETF 46137V142 62,530 922 SH SOLE 0 0 922
iShares 0-5 Year TIPS Bond ETF 0-5 YR TIPS ETF 46429B747 147,812 1,483 SH SOLE 0 0 1,483
iShares 5-10 Year invmt Grd Corp Bd ETF ISHS 5-10YR INVT 464288638 103,306 2,051 SH SOLE 0 0 2,051
iShares Core Dividend Growth ETF CORE DIV GRWTH 46434V621 35,433 470 SH SOLE 0 0 470
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 68,818 710 SH SOLE 0 0 710
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 755,033 10,495 SH SOLE 0 0 10,495
iShares Core S&P Small-Cap ETF CORE S&P SCP ETF 464287804 7,904,949 58,109 SH SOLE 0 0 58,109
iShares Core US Aggregate Bond ETF CORE US AGGBD ET 464287226 32,849 347 SH SOLE 0 0 347
iShares Gold Trust ISHARES NEW 464285204 21,868 280 SH SOLE 0 0 280
iShares iBoxx $ Invmt Grade Corp Bd ETF IBOXX INV CP ETF 464287242 54,076 529 SH SOLE 0 0 529
iShares International Select Div ETF INTL SEL DIV ETF 464288448 12,066 286 SH SOLE 0 0 286
iShares MSCI EAFE Min Vol Factor ETF MSCI EAFE MIN VL 46429B689 90,967 998 SH SOLE 0 0 998
iShares Preferred&Income Securities ETF PFD AND INCM SEC 464288687 128,663 4,361 SH SOLE 0 0 4,361
iShares S&P Small-Cap 600 Growth ETF S&P SML 600 GWT 464287887 9,508 59 SH SOLE 0 0 59
iShares Select Dividend ETF SELECT DIVID ETF 464287168 426,176 2,802 SH SOLE 0 0 2,802
iShares Silver Trust ISHARES 46428Q109 22,949 421 SH SOLE 0 0 421
JetBlue Airways Corp COM 477143101 1,058 250 SH SOLE 0 0 250
JM Smucker Co COM NEW 832696405 23,975 201 SH SOLE 0 0 201
Johnson & Johnson COM 478160104 238,597 900 SH SOLE 0 0 900
JPMorgan Chase & Co COM 46625H100 457,411 1,382 SH SOLE 0 0 1,382
JPMorgan Diversified Return Intl Eq ETF DIV RTN INT EQ 46641Q209 23,618 320 SH SOLE 0 0 320
Kimberly-Clark Corp COM 494368103 28,239 289 SH SOLE 0 0 289
KLA Corp COM NEW 482480100 753,250 3,865 SH SOLE 0 0 3,865
L3HARRIS TECHNOLOGIES, INC. COM 502431109 31,018 131 SH SOLE 0 0 131
Linde AG SHS G54950103 46,516 98 SH SOLE 0 0 98
Lockheed Martin Corp COM 539830109 279,005 548 SH SOLE 0 0 548
Lowe's Companies Inc COM 548661107 36,489 198 SH SOLE 0 0 198
M&T Bank Corp COM 55261F104 29,312 134 SH SOLE 0 0 134
Main Street Capital Corporation COM 56035L104 27,524 499 SH SOLE 0 0 499
MARSH & MCLENNAN COS COM 571748102 512 3 SH SOLE 0 0 3
Mastercard Inc Class A CL A 57636Q104 1,103 2 SH SOLE 0 0 2
McDonald's Corp COM 580135101 7,504 32 SH SOLE 0 0 32
McKesson Corp COM 58155Q103 68,443 80 SH SOLE 0 0 80
Medtronic Inc. SHS G5960L103 44,094 511 SH SOLE 0 0 511
Mercury General Corp COM 589400100 227,379 2,300 SH SOLE 0 0 2,300
Meta platforms Inc. (formerly Facebook. FB) CL A 30303M102 206,665 292 SH SOLE 0 0 292
Microsoft Corp COM 594918104 87,611 170 SH SOLE 0 0 170
Monolithic Power Systems Inc COM 609839105 91,883 68 SH SOLE 0 0 68
Monster Beverage Corp COM 61174X109 6,909 166 SH SOLE 0 0 166
National Fuel Gas Co COM 64440N103 4,318 57 SH SOLE 0 0 57
National Retail Properties Inc COM 637417106 122,127 2,973 SH SOLE 0 0 2,973
NBT Bancorp Inc COM 628778102 52,389 1,044 SH SOLE 0 0 1,044
Netflix Inc COM 64110L106 18,926 272 SH SOLE 0 0 272
NextEra Energy Inc COM 65339F101 124,355 1,642 SH SOLE 0 0 1,642
Novartis AG ADR SPONSORED ADR 66987V109 2,994 21 SH SOLE 0 0 21
Novo Nordisk A/S ADR ADR 670100205 1,137 30 SH SOLE 0 0 30
Nucor Corp COM 670346105 171,662 734 SH SOLE 0 0 734
NUVEEN MUNICIPAL VALUE FUND COM 670928100 10,712 1,292 SH SOLE 0 0 1,292
NVIDIA Corp COM 67066G104 100,609 440 SH SOLE 0 0 440
Old Republic International Corp COM 680223104 810,860 21,734 SH SOLE 0 0 21,734
Oracle Corp COM 68389X105 12,896 94 SH SOLE 0 0 94
Owens-Corning Inc COM 690742101 103,788 889 SH SOLE 0 0 889
Packaging Corp of America COM 695156109 27,551 120 SH SOLE 0 0 120
Palantir Technologies Inc Ordinary Shares - Class A CL A 69608A108 253,640 1,356 SH SOLE 0 0 1,356
PARAMOUNT SKYDANCE CORP CLASS B COM CL B 69932A204 430 42 SH SOLE 0 0 42
Paychex Inc COM 704326107 1,324 13 SH SOLE 0 0 13
PepsiCo Inc COM 713448108 19,135 151 SH SOLE 0 0 151
Pfizer Inc COM 717081103 2,054,256 72,030 SH SOLE 0 0 72,030
Philip Morris International Inc COM 718172109 23,437 123 SH SOLE 0 0 123
Phillips 66 COM 718546104 73,390 287 SH SOLE 0 0 287
PNC Financial Services Group Inc COM 693475105 1,556 7 SH SOLE 0 0 7
Principal Financial Group Inc COM 74251V102 97,932 875 SH SOLE 0 0 875
Procter & Gamble Co COM 742718109 488,031 3,359 SH SOLE 0 0 3,359
Prologis Inc COM 74340W103 22,982 177 SH SOLE 0 0 177
Public Service Enterprise Group Inc COM 744573106 37,269 553 SH SOLE 0 0 553
Qualcomm Inc COM 747525103 3,740 20 SH SOLE 0 0 20
Quest Diagnostics Inc COM 74834L100 1,865 8 SH SOLE 0 0 8
Rani Therapeutics Holdings Inc Class A COM CL A 753018100 79 100 SH SOLE 0 0 100
Salesforce Inc COM 79466L302 4,854 21 SH SOLE 0 0 21
Schwab International Equity ETF INTL EQTY ETF 808524805 549,119 19,988 SH SOLE 0 0 19,988
Schwab US Broad Market ETF US BRD MKT ETF 808524102 35,796,514 1,221,482 SH SOLE 0 0 1,221,482
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 178,804 5,497 SH SOLE 0 0 5,497
Schwab US Large-Cap ETF US LRG CAP ETF 808524201 4,485,310 149,509 SH SOLE 0 0 149,509
Schwab US Large-Cap Value ETF US LCAP VA ETF 808524409 1,266,996 38,036 SH SOLE 0 0 38,036
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 3,388,818 99,610 SH SOLE 0 0 99,610
Schwab US REIT ETF US REIT ETF 808524847 18,335 832 SH SOLE 0 0 832
Schwab US Small-Cap ETF US SML CAP ETF 808524607 3,483,014 106,747 SH SOLE 0 0 106,747
Shell plc American Depositary Shares (Each represents two Ordinary shares) SPON ADS 780259305 3,159 33 SH SOLE 0 0 33
SHOPIFY INC CL A (CANADA) CL A SUB VTG SHS 82509L107 6,229 42 SH SOLE 0 0 42
Solv COM SHS 83444M101 4,496 51 SH SOLE 0 0 51
Southern Co COM 842587107 153,170 1,847 SH SOLE 0 0 1,847
Space Exploration Technologies Corp. CLASS A COM STK 84615Q103 42,995 285 SH SOLE 0 0 285
SPDR Dow Jones Industrial Avrg ETF Tr UT SER 1 78467X109 1,388,035 2,730 SH SOLE 0 0 2,730
SPDR Gold MiniShares SPDR GLD MINIS 98149E303 8,406,178 102,290 SH SOLE 0 0 102,290
SPDR Gold Shares GOLD SHS 78463V107 248,308 652 SH SOLE 0 0 652
SPOTIFY TECHNOLOGY SA F SHS L8681T102 5,849 12 SH SOLE 0 0 12
Starbucks Corp COM 855244109 31,289 333 SH SOLE 0 0 333
Stride Inc COM 86333M108 66,829 857 SH SOLE 0 0 857
Sysco Corp COM 871829107 52,255 670 SH SOLE 0 0 670
T. Rowe Price Group Inc COM 74144T108 18,748 180 SH SOLE 0 0 180
Target Corp COM 87612E106 12,182 77 SH SOLE 0 0 77
Technology Select Sector SPDR ETF ST STR TECHN ETF 81369Y803 347,596 1,770 SH SOLE 0 0 1,770
Tesla Inc COM 88160R101 132,344 373 SH SOLE 0 0 373
The Home Depot Inc COM 437076102 57,299 201 SH SOLE 0 0 201
The Timken Co COM 887389104 12,359 106 SH SOLE 0 0 106
The Walt Disney Co COM 254687106 974 9 SH SOLE 0 0 9
Toronto-Dominion Bank COM NEW 891160509 118,000 1,004 SH SOLE 0 0 1,004
TRULIEVE CANNABIS CORP COM SUB VTG SHS *D* 89788C104 3,260 1,000 SH SOLE 0 0 1,000
Trump Media & Technology Group Corp. COM 25400Q105 4,530 500 SH SOLE 0 0 500
U.S. Bancorp COM NEW 902973304 33,634 583 SH SOLE 0 0 583
UGI Corp COM 902681105 2,939 82 SH SOLE 0 0 82
Union Pacific Corp COM 907818108 27,294 100 SH SOLE 0 0 100
United Airlines Holdings Inc COM 910047109 11,095 100 SH SOLE 0 0 100
Universal Corp COM 913456109 209,887 5,022 SH SOLE 0 0 5,022
Universal Health Realty Income Trust SH BEN INT 91359E105 100,404 2,685 SH SOLE 0 0 2,685
Unknown Security HONA COM 43849R105 7,439 48 SH SOLE 0 0 48
Unum Group COM 91529Y106 102,979 1,173 SH SOLE 0 0 1,173
Utilities Select Sector SPDR ETF ST STR UTIL ETF 81369Y886 738,654 18,727 SH SOLE 0 0 18,727
VanEck Pref Secs ex Fincls ETF PREFERRED SECURT 92189F429 282,745 16,137 SH SOLE 0 0 16,137
VanEck Semiconductor ETF SEMICONDUCTR ETF 92189F676 3,665 6 SH SOLE 0 0 6
Vanguard Communication Services ETF COMM SRVC ETF 92204A884 8,251 43 SH SOLE 0 0 43
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 8,078,017 34,621 SH SOLE 0 0 34,621
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 115,918 1,641 SH SOLE 0 0 1,641
Vanguard Growth ETF MRNGSTR GRWT ETF 922908736 21,086 234 SH SOLE 0 0 234
Vanguard High Dividend Yield ETF HIGH DIV YLD 921946406 1,198,228 7,720 SH SOLE 0 0 7,720
Vanguard Information Technology ETF INF TECH ETF 92204A702 16,624,770 132,267 SH SOLE 0 0 132,267
Vanguard Interm-Term Bond ETF INTERMED TERM 921937819 177,032 2,430 SH SOLE 0 0 2,430
Vanguard Mega Cap Growth ETF MRNGSTR MEGA CAP 921910816 13,925 150 SH SOLE 0 0 150
Vanguard Utilities ETF UTILITIES ETF 92204A876 36,940 216 SH SOLE 0 0 216
Verizon Communications Inc COM 92343V104 2,402,794 52,380 SH SOLE 0 0 52,380
Vertex Pharmaceuticals Inc COM 92532F100 5,751 11 SH SOLE 0 0 11
Visa Inc Class A COM CL A 92826C839 27,074 75 SH SOLE 0 0 75
Vistra Corp COM 92840M102 2,373 17 SH SOLE 0 0 17
VSE Corp COM 918284100 53,447 324 SH SOLE 0 0 324
W.P. Carey Inc COM 92936U109 9,465 146 SH SOLE 0 0 146
W.W. Grainger Inc COM 384802104 34,881 28 SH SOLE 0 0 28
Walmart Inc COM 931142103 282,707 2,721 SH SOLE 0 0 2,721
Warner Brothers COM SER A 934423104 16,311 527 SH SOLE 0 0 527
Waste Management COM 94106L109 1,427 7 SH SOLE 0 0 7
WEC Energy Group Inc COM 92939U106 24,590 244 SH SOLE 0 0 244
Williams Companies Inc COM 969457100 10,905 160 SH SOLE 0 0 160
Zscaler Inc COM 98980G102 1,994 10 SH SOLE 0 0 10