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 |
Anthem Inc | Stock | 036752103 | 424,876 | 901 | SH | | SOLE | | 901 | 0 | 0 |
Johnson & Johnson | Stock | 478160104 | 776,114 | 4,952 | SH | | SOLE | | 4,951 | 0 | 0 |
Vanguard Total Stock Market ETF | ETF | 922908769 | 351,277 | 1,481 | SH | | SOLE | | 1,480 | 0 | 0 |
iShares MSCI Emerging Markets ETF | ETF | 464287234 | 578,805 | 14,395 | SH | | SOLE | | 14,394 | 0 | 0 |
Shell PLC | ADR | 780259305 | 238,367 | 3,623 | SH | | SOLE | | 3,622 | 0 | 0 |
Procter & Gamble Co | Stock | 742718109 | 5,648,380 | 38,545 | SH | | SOLE | | 38,544 | 0 | 0 |
United Parcel Service Inc | Stock | 911312106 | 314,991 | 2,003 | SH | | SOLE | | 2,003 | 0 | 0 |
Vanguard Real Estate ETF | ETF | 922908553 | 526,732 | 5,961 | SH | | SOLE | | 5,961 | 0 | 0 |
Merck & Co Inc | Stock | 58933Y105 | 428,647 | 3,932 | SH | | SOLE | | 3,931 | 0 | 0 |
iShares Short-Term National Muni Bd ETF | ETF | 464288158 | 525,192 | 4,981 | SH | | SOLE | | 4,981 | 0 | 0 |
SPDR S&P 500 ETF Trust | ETF | 78462F103 | 764,094 | 1,608 | SH | | SOLE | | 1,607 | 0 | 0 |
Illinois Tool Works Inc | Stock | 452308109 | 371,968 | 1,420 | SH | | SOLE | | 1,420 | 0 | 0 |
Diageo PLC | ADR | 25243Q205 | 209,267 | 1,437 | SH | | SOLE | | 1,436 | 0 | 0 |
iShares Core US REIT ETF | ETF | 464288521 | 235,556 | 4,339 | SH | | SOLE | | 4,338 | 0 | 0 |
American Financial Group Inc | Stock | 025932104 | 300,356 | 2,526 | SH | | SOLE | | 2,526 | 0 | 0 |
Verizon Communications Inc | Stock | 92343V104 | 361,000 | 9,576 | SH | | SOLE | | 9,575 | 0 | 0 |
PepsiCo Inc | Stock | 713448108 | 503,399 | 2,964 | SH | | SOLE | | 2,963 | 0 | 0 |
Honeywell International Inc | Stock | 438516106 | 257,794 | 1,229 | SH | | SOLE | | 1,229 | 0 | 0 |
Trane Technologies PLC | Stock | G8994E103 | 521,282 | 2,137 | SH | | SOLE | | 2,137 | 0 | 0 |
U.S. Bancorp | Stock | 902973304 | 229,855 | 5,311 | SH | | SOLE | | 5,310 | 0 | 0 |
The Home Depot Inc | Stock | 437076102 | 583,410 | 1,683 | SH | | SOLE | | 1,683 | 0 | 0 |
Automatic Data Processing Inc | Stock | 053015103 | 350,250 | 1,503 | SH | | SOLE | | 1,503 | 0 | 0 |
Southern Co | Stock | 842587107 | 223,384 | 3,186 | SH | | SOLE | | 3,185 | 0 | 0 |
iShares Russell 1000 Growth ETF | ETF | 464287614 | 2,732,460 | 9,013 | SH | | SOLE | | 9,012 | 0 | 0 |
Schwab US Broad Market ETF | ETF | 808524102 | 557,757 | 10,019 | SH | | SOLE | | 10,018 | 0 | 0 |
Schwab International Equity ETF | ETF | 808524805 | 201,929 | 5,463 | SH | | SOLE | | 5,463 | 0 | 0 |
JPMorgan Ultra-Short Income ETF | ETF | 46641Q837 | 597,126 | 11,888 | SH | | SOLE | | 11,887 | 0 | 0 |
iShares Core S&P Small-Cap ETF | ETF | 464287804 | 35,637,563 | 329,215 | SH | | SOLE | | 329,215 | 0 | 0 |
Berkshire Hathaway Inc | Stock | 084670702 | 718,976 | 2,016 | SH | | SOLE | | 2,015 | 0 | 0 |
Adobe Inc | Stock | 00724F101 | 320,374 | 537 | SH | | SOLE | | 537 | 0 | 0 |
Alphabet Inc | Stock | 02079K305 | 856,160 | 6,129 | SH | | SOLE | | 6,129 | 0 | 0 |
Fiserv Inc | Stock | 337738108 | 307,657 | 2,316 | SH | | SOLE | | 2,316 | 0 | 0 |
CSX Corp | Stock | 126408103 | 746,654 | 21,536 | SH | | SOLE | | 21,536 | 0 | 0 |
Comcast Corp | Stock | 20030N101 | 392,476 | 8,950 | SH | | SOLE | | 8,950 | 0 | 0 |
iShares iBonds Dec 2024 Term Muni Bond | ETF | 46435U697 | 306,152 | 11,807 | SH | | SOLE | | 11,806 | 0 | 0 |
Microsoft Corp | Stock | 594918104 | 2,422,509 | 6,442 | SH | | SOLE | | 6,442 | 0 | 0 |
CVS Health Corp | Stock | 126650100 | 255,012 | 3,230 | SH | | SOLE | | 3,229 | 0 | 0 |
KEURIG DR PEPPER INC COM | Stock | 49271V100 | 205,704 | 6,174 | SH | | SOLE | | 6,173 | 0 | 0 |
Vanguard Small-Cap ETF | ETF | 922908751 | 579,079 | 2,714 | SH | | SOLE | | 2,714 | 0 | 0 |
NextEra Energy Inc | Stock | 65339F101 | 284,090 | 4,677 | SH | | SOLE | | 4,677 | 0 | 0 |
Norfolk Southern Corp | Stock | 655844108 | 374,869 | 1,586 | SH | | SOLE | | 1,585 | 0 | 0 |
iShares iBonds Dec 2025 Term Muni Bd ETF | ETF | 46435U432 | 306,545 | 11,548 | SH | | SOLE | | 11,548 | 0 | 0 |
Dow Inc | Stock | 260557103 | 239,754 | 4,372 | SH | | SOLE | | 4,371 | 0 | 0 |
Vanguard S&P 500 ETF | ETF | 922908363 | 1,562,980 | 3,578 | SH | | SOLE | | 3,578 | 0 | 0 |
iShares iBonds Dec 2026 Term Muni Bond ETF | ETF | 46435U259 | 204,415 | 8,013 | SH | | SOLE | | 8,012 | 0 | 0 |
LCNB Corp | Stock | 50181P100 | 1,177,861 | 74,690 | SH | | SOLE | | 74,690 | 0 | 0 |
iShares MSCI EAFE Growth ETF | ETF | 464288885 | 669,995 | 6,918 | SH | | SOLE | | 6,917 | 0 | 0 |
Duke Energy Corp | Stock | 26441C204 | 419,993 | 4,328 | SH | | SOLE | | 4,328 | 0 | 0 |
Invesco S&P 500 Low Volatility ETF | ETF | 46138E354 | 372,326 | 5,942 | SH | | SOLE | | 5,942 | 0 | 0 |
iShares MSCI EAFE Value ETF | ETF | 464288877 | 3,923,862 | 75,314 | SH | | SOLE | | 75,314 | 0 | 0 |
Visa Inc | Stock | 92826C839 | 276,712 | 1,063 | SH | | SOLE | | 1,062 | 0 | 0 |
iShares MSCI USA Min Vol Factor ETF | ETF | 46429B697 | 225,092 | 2,885 | SH | | SOLE | | 2,884 | 0 | 0 |
Vanguard Growth ETF | ETF | 922908736 | 252,124 | 811 | SH | | SOLE | | 811 | 0 | 0 |
SPDR SSgA Multi-Asset Real Return ETF | ETF | 78467V103 | 641,854 | 23,580 | SH | | SOLE | | 23,580 | 0 | 0 |
Broadcom Inc | Stock | 11135F101 | 652,528 | 585 | SH | | SOLE | | 584 | 0 | 0 |
iShares Core MSCI Total Intl Stk ETF | ETF | 46432F834 | 771,155 | 11,877 | SH | | SOLE | | 11,876 | 0 | 0 |
Accenture PLC | Stock | G1151C101 | 395,336 | 1,127 | SH | | SOLE | | 1,126 | 0 | 0 |
iShares 1-5 Year invmt Grd Corp Bd ETF | ETF | 464288646 | 231,008 | 4,505 | SH | | SOLE | | 4,505 | 0 | 0 |
EOG Resources Inc | Stock | 26875P101 | 239,899 | 1,983 | SH | | SOLE | | 1,983 | 0 | 0 |
AbbVie Inc | Stock | 00287Y109 | 565,566 | 3,650 | SH | | SOLE | | 3,649 | 0 | 0 |
Vanguard FTSE All-Wld ex-US ETF | ETF | 922042775 | 284,829 | 5,074 | SH | | SOLE | | 5,073 | 0 | 0 |
Qualcomm Inc | Stock | 747525103 | 478,305 | 3,307 | SH | | SOLE | | 3,307 | 0 | 0 |
Cisco Systems Inc | Stock | 17275R102 | 232,168 | 4,596 | SH | | SOLE | | 4,595 | 0 | 0 |
iShares Russell Mid-Cap ETF | ETF | 464287499 | 277,143 | 3,565 | SH | | SOLE | | 3,565 | 0 | 0 |
Schwab Fundamental US Small Company ETF | ETF | 808524763 | 564,787 | 10,204 | SH | | SOLE | | 10,203 | 0 | 0 |
General Electric Co | Stock | 369604301 | 516,595 | 4,048 | SH | | SOLE | | 4,047 | 0 | 0 |
SPDR Portfolio Short Term Treasury ETF | ETF | 78468R101 | 974,223 | 33,536 | SH | | SOLE | | 33,536 | 0 | 0 |
iShares MSCI USA Quality Factor ETF | ETF | 46432F339 | 694,867 | 4,722 | SH | | SOLE | | 4,722 | 0 | 0 |
iShares Core S&P 500 ETF | ETF | 464287200 | 94,646,111 | 198,158 | SH | | SOLE | | 198,157 | 0 | 0 |
iShares IBonds Dec. 2026 Corporate Bond ETF | ETF | 46435GAA0 | 845,453 | 35,375 | SH | | SOLE | | 35,374 | 0 | 0 |
Cintas Corp | Stock | 172908105 | 251,479 | 417 | SH | | SOLE | | 417 | 0 | 0 |
Northrop Grumman Corp | Stock | 666807102 | 287,760 | 615 | SH | | SOLE | | 614 | 0 | 0 |
Thermo Fisher Scientific Inc | Stock | 883556102 | 316,387 | 596 | SH | | SOLE | | 596 | 0 | 0 |
JPMorgan Chase & Co | Stock | 46625H100 | 890,926 | 5,238 | SH | | SOLE | | 5,237 | 0 | 0 |
The Hartford Financial Services Group Inc | Stock | 416515104 | 278,195 | 3,461 | SH | | SOLE | | 3,461 | 0 | 0 |
Chevron Corp | Stock | 166764100 | 476,077 | 3,192 | SH | | SOLE | | 3,191 | 0 | 0 |
iShares National Muni Bond ETF | ETF | 464288414 | 1,024,081 | 9,446 | SH | | SOLE | | 9,446 | 0 | 0 |
Vanguard FTSE Developed Markets ETF | ETF | 921943858 | 378,719 | 7,906 | SH | | SOLE | | 7,906 | 0 | 0 |
TJX Companies Inc | Stock | 872540109 | 405,559 | 4,323 | SH | | SOLE | | 4,323 | 0 | 0 |
Walmart Inc | Stock | 931142103 | 429,341 | 2,723 | SH | | SOLE | | 2,723 | 0 | 0 |
iShares 3-7 Year Treasury Bond ETF | ETF | 464288661 | 1,045,158 | 8,923 | SH | | SOLE | | 8,923 | 0 | 0 |
International Business Machines Corp | Stock | 459200101 | 241,563 | 1,477 | SH | | SOLE | | 1,476 | 0 | 0 |
Raytheon Technologies Corp | Stock | 75513E101 | 248,071 | 2,948 | SH | | SOLE | | 2,948 | 0 | 0 |
Vanguard FTSE Emerging Markets ETF | ETF | 922042858 | 297,268 | 7,233 | SH | | SOLE | | 7,232 | 0 | 0 |
Target Corp | Stock | 87612E106 | 236,595 | 1,661 | SH | | SOLE | | 1,661 | 0 | 0 |
Alphabet Inc | Stock | 02079K107 | 388,922 | 2,760 | SH | | SOLE | | 2,759 | 0 | 0 |
Amgen Inc | Stock | 031162100 | 418,814 | 1,454 | SH | | SOLE | | 1,454 | 0 | 0 |
Williams Companies Inc | Stock | 969457100 | 417,687 | 11,992 | SH | | SOLE | | 11,992 | 0 | 0 |
Vanguard Dividend Appreciation ETF | ETF | 921908844 | 239,127 | 1,403 | SH | | SOLE | | 1,403 | 0 | 0 |
iShares 7-10 Year Treasury Bond ETF | ETF | 464287440 | 895,480 | 9,290 | SH | | SOLE | | 9,290 | 0 | 0 |
iShares Core US Aggregate Bond ETF | ETF | 464287226 | 395,736 | 3,987 | SH | | SOLE | | 3,987 | 0 | 0 |
Citizens Financial Group Inc | Stock | 174610105 | 240,992 | 7,272 | SH | | SOLE | | 7,271 | 0 | 0 |
BorgWarner Inc | Stock | 099724106 | 291,336 | 8,127 | SH | | SOLE | | 8,126 | 0 | 0 |
Hillenbrand Inc | Stock | 431571108 | 1,025,426 | 21,430 | SH | | SOLE | | 21,430 | 0 | 0 |
Bristol-Myers Squibb Co | Stock | 110122108 | 261,630 | 5,099 | SH | | SOLE | | 5,099 | 0 | 0 |
Exxon Mobil Corp | Stock | 30231G102 | 405,436 | 4,055 | SH | | SOLE | | 4,055 | 0 | 0 |
Charles Schwab Corp | Stock | 808513105 | 313,549 | 4,557 | SH | | SOLE | | 4,557 | 0 | 0 |
Crown Castle International Corp | REIT | 22822V101 | 324,416 | 2,816 | SH | | SOLE | | 2,816 | 0 | 0 |
iShares Core S&P Mid-Cap ETF | ETF | 464287507 | 3,633,951 | 13,112 | SH | | SOLE | | 13,111 | 0 | 0 |
Vanguard Tax-Exempt Bond ETF | ETF | 922907746 | 228,070 | 4,468 | SH | | SOLE | | 4,467 | 0 | 0 |
iShares MSCI EAFE ETF | ETF | 464287465 | 458,831 | 6,089 | SH | | SOLE | | 6,089 | 0 | 0 |
Apple Inc | Stock | 037833100 | 4,155,838 | 21,585 | SH | | SOLE | | 21,585 | 0 | 0 |
iShares iBonds Dec. 2025 Corporate Bond ETF | ETF | 46434VBD1 | 894,902 | 36,143 | SH | | SOLE | | 36,143 | 0 | 0 |
iShares iBonds Dec. 2024 Corporate Bond ETF | ETF | 46434VBG4 | 915,676 | 36,759 | SH | | SOLE | | 36,759 | 0 | 0 |
Abbott Laboratories | Stock | 002824100 | 489,441 | 4,447 | SH | | SOLE | | 4,446 | 0 | 0 |
iShares Russell 1000 Value ETF | ETF | 464287598 | 699,807 | 4,235 | SH | | SOLE | | 4,234 | 0 | 0 |