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
ABBOTT LABORATORIES COM 002824100 223,850 2,265 SH SOLE 2,265 0 0
ABBVIE INC COM 00287Y109 541,753 2,071 SH SOLE 2,071 0 0
ADVANCED MICRO DEVICES INC COM 007903107 544,466 890 SH SOLE 890 0 0
ALPHABET INC CAP STK CL C 02079K107 2,394,039 7,026 SH SOLE 7,026 0 0
ALPHABET INC CAP STK CL A 02079K305 3,296,376 9,580 SH SOLE 9,580 0 0
ALTRIA GROUP INC COM 02209S103 568,487 8,442 SH SOLE 8,442 0 0
AMAZON COM INC COM 023135106 3,257,387 13,074 SH SOLE 13,074 0 0
AMERICAN ELEC PWR CO INC COM 025537101 252,343 2,126 SH SOLE 2,126 0 0
AMERICAN EXPRESS CO COM 025816109 369,482 1,215 SH SOLE 1,215 0 0
AMGEN INC COM 031162100 369,664 877 SH SOLE 877 0 0
AMPHENOL CORP CL A 032095101 423,355 5,022 SH SOLE 5,022 0 0
APPLE INC COM 037833100 19,432,237 58,351 SH SOLE 58,351 0 0
APPLIED MATLS INC COM 038222105 854,596 1,671 SH SOLE 1,671 0 0
ARISTA NETWORKS INC COM SHS 040413205 368,701 1,811 SH SOLE 1,811 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 387,697 214 SH SOLE 214 0 0
AT&T INC COM 00206R102 211,903 8,684 SH SOLE 8,684 0 0
BANK OF AMER CORP COM 060505104 226,675 4,164 SH SOLE 4,164 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,958,935 3,934 SH SOLE 3,934 0 0
BLACKROCK ETF TRUST ISHA US AWAR ETF 09290C509 286,090 3,503 SH SOLE 3,503 0 0
BROADCOM INC COM 11135F101 1,277,395 3,637 SH SOLE 3,637 0 0
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 430,578 16,599 SH SOLE 16,599 0 0
CATERPILLAR INC COM 149123101 681,064 840 SH SOLE 840 0 0
CHEVRON CORPORATION COM 166764100 954,069 4,672 SH SOLE 4,672 0 0
CINCINNATI FINL CORP COM 172062101 1,279,263 8,027 SH SOLE 8,027 0 0
CISCO SYS INC COM 17275R102 572,169 5,316 SH SOLE 5,316 0 0
COCA COLA CO COM 191216100 322,628 3,748 SH SOLE 3,748 0 0
CONSOLIDATED EDISON INC COM 209115104 409,044 4,002 SH SOLE 4,002 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 1,676,239 1,841 SH SOLE 1,841 0 0
CSX CORP COM 126408103 359,662 7,733 SH SOLE 7,733 0 0
DANAHER CORP DEL COM 235851102 252,308 1,138 SH SOLE 1,138 0 0
DEERE & CO COM 244199105 337,118 502 SH SOLE 502 0 0
DIMENSIONAL ETF TRUST US EQUI MARK ETF 25434V401 554,973 6,684 SH SOLE 6,684 0 0
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 6,588,749 125,835 SH SOLE 125,835 0 0
DISNEY WALT CO COM 254687106 1,106,590 10,549 SH SOLE 10,549 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 445,956 3,911 SH SOLE 3,911 0 0
ELI LILLY & CO COM 532457108 1,005,310 868 SH SOLE 868 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 208,568 5,857 SH SOLE 5,857 0 0
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 1,120,252 6,883 SH SOLE 6,883 0 0
FEDEX CORP COM 31428X106 356,077 1,249 SH SOLE 1,249 0 0
FIDELITY COVINGTON TRUST EMERG MKTS MLTFT 316092543 241,779 6,803 SH SOLE 6,803 0 0
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,632,970 106,997 SH SOLE 106,997 0 0
GENERAL DYNAMICS CORP COM 369550108 215,026 648 SH SOLE 648 0 0
GILEAD SCIENCES INC COM 375558103 1,071,670 7,190 SH SOLE 7,190 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 340,872 378 SH SOLE 378 0 0
HOME DEPOT INC COM 437076102 547,217 1,923 SH SOLE 1,923 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 426,444 1,939 SH SOLE 1,939 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 757,626 37,646 SH SOLE 37,646 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2031 CP 46138J429 522,160 33,111 SH SOLE 33,111 0 0
INVESCO EXCH TRD SLF IDX FD INVSCO 30 CORP 46138J460 626,006 38,786 SH SOLE 38,786 0 0
INVESCO EXCH TRD SLF IDX FD BULETSHS 2029 46138J577 545,363 29,965 SH SOLE 29,965 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 635,682 32,524 SH SOLE 32,524 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 778,978 1,053 SH SOLE 1,053 0 0
ISHARES GOLD TR ISHARES NEW 464285204 200,639 2,569 SH SOLE 2,569 0 0
ISHARES INC MSCI ISRAEL ETF 464286632 216,694 1,786 SH SOLE 1,786 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 15,553,669 126,730 SH SOLE 126,730 0 0
ISHARES INC CORE MSCI EMKT 46434G103 18,329,723 225,846 SH SOLE 225,846 0 0
ISHARES TR NATIONAL MUN ETF 464288414 9,212,197 91,119 SH SOLE 91,119 0 0
ISHARES TR CORE S&P MCP ETF 464287507 27,665,646 384,512 SH SOLE 384,512 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 481,150 2,165 SH SOLE 2,165 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 13,951,862 146,877 SH SOLE 146,877 0 0
ISHARES TR CORE S&P TTL STK 464287150 18,075,073 108,702 SH SOLE 108,702 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 1,177,050 48,558 PRN SOLE 48,558 0 0
ISHARES TR U S EQUITY FACTR 46434V282 722,682 9,283 SH SOLE 9,283 0 0
ISHARES TR CORE S&P US VLU 464287663 270,737 2,455 SH SOLE 2,455 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 64,220,299 512,695 SH SOLE 512,695 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 483,053 2,896 SH SOLE 2,896 0 0
ISHARES TR FUTU EXPO TE ETF 46434V381 3,231,351 38,745 SH SOLE 38,745 0 0
ISHARES TR CORE S&P SCP ETF 464287804 23,639,829 173,771 SH SOLE 173,771 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 763,591 31,658 PRN SOLE 31,658 0 0
ISHARES TR ESG OPTIMIZED 464288802 232,586 1,494 SH SOLE 1,494 0 0
ISHARES TR RUS 1000 ETF 464287622 227,623 547 SH SOLE 547 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 803,913 3,242 SH SOLE 3,242 0 0
ISHARES TR MSCI USA VALUE 46432F388 4,072,032 20,565 SH SOLE 20,565 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 3,678,766 131,572 SH SOLE 131,572 0 0
ISHARES TR S&P 500 VAL ETF 464287408 207,963 911 SH SOLE 911 0 0
ISHARES TR CORE S&P500 ETF 464287200 68,476,191 89,412 SH SOLE 89,412 0 0
ISHARES TR 0-3 MTH TREASURY 46436E718 2,853,452 28,341 SH SOLE 28,341 0 0
ISHARES TR CORE US AGGBD ET 464287226 43,443,702 459,527 SH SOLE 459,527 0 0
ISHARES TR IBONDS DEC 29 46436E205 574,661 25,326 SH SOLE 25,326 0 0
ISHARES TR CORE UNIVRSL USD 46434V613 335,657 7,613 SH SOLE 7,613 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 382,932 1,378 SH SOLE 1,378 0 0
ISHARES TR CORE S&P US GWT 464287671 296,050 1,528 SH SOLE 1,528 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 21,648,649 222,174 SH SOLE 222,174 0 0
ISHARES TR IBDS DEC28 ETF 46435U515 608,207 24,367 SH SOLE 24,367 0 0
ISHARES TR CORE MSCI EAFE 46432F842 9,831,919 101,485 SH SOLE 101,485 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 852,017 16,915 SH SOLE 16,915 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 211,162 3,756 SH SOLE 3,756 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 12,929,651 271,745 SH SOLE 271,745 0 0
JOHNSON & JOHNSON COM 478160104 1,409,558 5,324 SH SOLE 5,324 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 237,146 1,595 SH SOLE 1,595 0 0
JPMORGAN CHASE & CO COM 46625H100 4,833,350 14,609 SH SOLE 14,609 0 0
KLA CORP COM NEW 482480100 200,778 1,030 SH SOLE 1,030 0 0
LAM RESEARCH CORP COM NEW 512807306 227,329 692 SH SOLE 692 0 0
LINDE PLC SHS G54950103 314,218 662 SH SOLE 662 0 0
LOCKHEED MARTIN CORP COM 539830109 292,564 574 SH SOLE 574 0 0
MASTERCARD INCORPORATED CL A 57636Q104 633,639 1,149 SH SOLE 1,149 0 0
MCDONALDS CORP COM 580135101 480,711 2,081 SH SOLE 2,081 0 0
MERCK & CO INC COM 58933Y105 1,040,129 7,158 SH SOLE 7,158 0 0
META PLATFORMS INC CL A 30303M102 2,232,173 3,078 SH SOLE 3,078 0 0
MICROSOFT CORP COM 594918104 7,185,143 14,008 SH SOLE 14,008 0 0
MORGAN STANLEY COM NEW 617446448 334,782 1,780 SH SOLE 1,780 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 308,165 691 SH SOLE 691 0 0
NEXTERA ENERGY INC COM 65339F101 1,127,844 14,891 SH SOLE 14,891 0 0
NORTHROP GRUMMAN CORP COM 666807102 312,812 647 SH SOLE 647 0 0
NVIDIA CORPORATION COM 67066G104 3,229,522 14,141 SH SOLE 14,141 0 0
ORACLE CORP COM 68389X105 208,559 1,519 SH SOLE 1,519 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 262,057 1,401 SH SOLE 1,401 0 0
PALO ALTO NETWORKS INC COM 697435105 201,833 508 SH SOLE 508 0 0
PEPSICO INC COM 713448108 1,129,982 8,917 SH SOLE 8,917 0 0
PFIZER INC COM 717081103 624,388 21,893 SH SOLE 21,893 0 0
PHILIP MORRIS INTL INC COM 718172109 321,022 1,682 SH SOLE 1,682 0 0
PROCTER & GAMBLE CO COM 742718109 1,178,280 8,110 SH SOLE 8,110 0 0
PRUDENTIAL FINL INC COM 744320102 286,903 2,526 SH SOLE 2,526 0 0
RTX CORPORATION COM 75513E101 604,107 3,254 SH SOLE 3,254 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 316,180 11,510 SH SOLE 11,510 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,262,715 223,262 SH SOLE 223,262 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 240,540 8,018 SH SOLE 8,018 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 3,163,124 16,159 SH SOLE 16,159 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 267,682 1,805 SH SOLE 1,805 0 0
SOUTHERN CO COM 842587107 697,685 8,417 SH SOLE 8,417 0 0
SPDR GOLD TR GOLD SHS 78463V107 733,117 1,925 SH SOLE 1,925 0 0
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 464,204 19,056 SH SOLE 19,056 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 3,295,324 4,321 SH SOLE 4,321 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 232,657 510 SH SOLE 510 0 0
TESLA INC COM 88160R101 1,229,062 3,464 SH SOLE 3,464 0 0
TEXAS INSTRS INC COM 882508104 304,760 1,088 SH SOLE 1,088 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 310,298 459 SH SOLE 459 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 973,565 2,154 SH SOLE 2,154 0 0
UNION PAC CORP COM 907818108 254,305 934 SH SOLE 934 0 0
UNITEDHEALTH GROUP INC COM 91324P102 582,556 1,587 SH SOLE 1,587 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 30,449,566 434,063 SH SOLE 434,063 0 0
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 57,838,898 267,673 SH SOLE 267,673 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 200,144 2,233 SH SOLE 2,233 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 17,897,062 25,535 SH SOLE 25,535 0 0
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 5,625,885 71,740 SH SOLE 71,740 0 0
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 56,018,509 149,686 SH SOLE 149,686 0 0
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 6,537,083 22,978 SH SOLE 22,978 0 0
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 27,855,321 309,125 SH SOLE 309,125 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,492,986 30,046 SH SOLE 30,046 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,689,159 45,340 SH SOLE 45,340 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 630,611 3,995 SH SOLE 3,995 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 1,845,602 37,497 SH SOLE 37,497 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,384,570 177,039 SH SOLE 177,039 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,377,405 24,310 SH SOLE 24,310 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 43,171,209 185,037 SH SOLE 185,037 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 27,726,663 326,349 SH SOLE 326,349 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,475,395 35,057 SH SOLE 35,057 0 0
VANGUARD WELLINGTON FD US MULTIFACTOR 921935607 7,838,456 43,910 SH SOLE 43,910 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 9,794,686 63,110 SH SOLE 63,110 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 518,137 4,123 SH SOLE 4,123 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 363,763 2,684 SH SOLE 2,684 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 290,567 6,334 SH SOLE 6,334 0 0
VICTORY PORTFOLIOS II SHS FR CA FL ETF 92647X830 224,878 4,393 SH SOLE 4,393 0 0
VISA INC COM CL A 92826C839 1,867,930 5,198 SH SOLE 5,198 0 0
WALMART INC COM 931142103 824,437 7,933 SH SOLE 7,933 0 0