D. Scott Neal 13F-HR Quarterly holdings report by institutional manager

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

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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
ISHARES TR	ISHS 5-10YR INVT	464288638	65,445	1,104,926	SH		SOLE		0	0	1,104,926
INVESCO QQQ TR	UNIT SER 1	46090E103	35,589	111,518	SH		SOLE		0	0	111,518
INVESCO EXCH TRADED FD TR II	S&P 500 HB ETF	46138E370	16,897	243,020	SH		SOLE		0	0	243,020
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	14,466	81,768	SH		SOLE		0	0	81,768
SPDR SER TR	PORTFOLIO SHORT	78464A474	12,403	396,127	SH		SOLE		0	0	396,127
ISHARES TR	3 7 YR TREAS BD	464288661	12,170	93,695	SH		SOLE		0	0	93,695
ISHARES TR	SP SMCP600VL ETF	464287879	11,119	110,373	SH		SOLE		0	0	110,373
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	8,825	18,538	SH		SOLE		0	0	18,538
SCHWAB STRATEGIC TR	SCHWB FDT INT LG	808524755	7,701	239,910	SH		SOLE		0	0	239,910
ISHARES TR	CORE S&P500 ETF	464287200	7,671	19,284	SH		SOLE		0	0	19,284
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	7,109	104,071	SH		SOLE		0	0	104,071
ISHARES TR	1 3 YR TREAS BD	464287457	3,163	36,678	SH		SOLE		0	0	36,678
CATERPILLAR INC	COM	149123101	1,742	7,514	SH		SOLE		0	0	7,514
SPDR SER TR	PORTFOLI S&P1500	78464A805	1,630	33,130	SH		SOLE		0	0	33,130
PROSHARES TR	PSHS ULTRA QQQ	74347R206	1,620	13,826	SH		SOLE		0	0	13,826
MICROSOFT CORP	COM	594918104	1,511	6,407	SH		SOLE		0	0	6,407
AT&T INC	COM	00206R102	1,458	48,152	SH		SOLE		0	0	48,152
PROSHARES TR	PSHS ULT S&P 500	74347R107	1,253	12,248	SH		SOLE		0	0	12,248
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,227	12,687	SH		SOLE		0	0	12,687
REPUBLIC BANCORP INC KY	CL A	760281204	930	21,000	SH		SOLE		0	0	21,000
ISHARES TR	RUS MID CAP ETF	464287499	698	9,448	SH		SOLE		0	0	9,448
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	684	2,680	SH		SOLE		0	0	2,680
PFIZER INC	COM	717081103	514	14,199	SH		SOLE		0	0	14,199
ISHARES TR	RUSSELL 2000 ETF	464287655	480	2,171	SH		SOLE		0	0	2,171
TRUIST FINL CORP	COM	89832Q109	460	7,885	SH		SOLE		0	0	7,885
REGIONS FINANCIAL CORP NEW	COM	7591EP100	443	21,434	SH		SOLE		0	0	21,434
ISHARES TR	CORE S&P MCP ETF	464287507	400	1,538	SH		SOLE		0	0	1,538
INTERNATIONAL BUSINESS MACHS	COM	459200101	390	2,923	SH		SOLE		0	0	2,923
EXXON MOBIL CORP	COM	30231G102	364	6,517	SH		SOLE		0	0	6,517
CHEVRON CORP NEW	COM	166764100	343	3,276	SH		SOLE		0	0	3,276
ROSS STORES INC	COM	778296103	343	2,857	SH		SOLE		0	0	2,857
PROCTER AND GAMBLE CO	COM	742718109	311	2,298	SH		SOLE		0	0	2,298
PNC FINL SVCS GROUP INC	COM	693475105	309	1,760	SH		SOLE		0	0	1,760
ISHARES TR	SELECT DIVID ETF	464287168	304	2,667	SH		SOLE		0	0	2,667
NEXTERA ENERGY INC	COM	65339F101	292	3,856	SH		SOLE		0	0	3,856
AMAZON COM INC	COM	023135106	275	89	SH		SOLE		0	0	89
LOWES COS INC	COM	548661107	273	1,438	SH		SOLE		0	0	1,438
SCHWAB STRATEGIC TR	SCHWB FDT INT SC	808524748	243	6,491	SH		SOLE		0	0	6,491
NVIDIA CORPORATION	COM	67066G104	242	454	SH		SOLE		0	0	454
APPLE INC	COM	037833100	241	1,970	SH		SOLE		0	0	1,970
ISHARES TR	BARCLAYS 7 10 YR	464287440	239	2,115	SH		SOLE		0	0	2,115
ISHARES TR	20 YR TR BD ETF	464287432	234	1,727	SH		SOLE		0	0	1,727
WALMART INC	COM	931142103	223	1,644	SH		SOLE		0	0	1,644
SPDR S&P 500 ETF TR	TR UNIT	78462F103	221	557	SH		SOLE		0	0	557
JOHNSON & JOHNSON	COM	478160104	218	1,324	SH		SOLE		0	0	1,324
QUALCOMM INC	COM	747525103	204	1,541	SH		SOLE		0	0	1,541
MCDONALDS CORP	COM	580135101	202	902	SH		SOLE		0	0	902