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 |
Amazon.com Inc | Stock | 023135106 | 264,103 | 1,417 | SH | | SOLE | 0 | 0 | 0 | 0 |
Anthem Inc | Stock | 036752103 | 468,520 | 901 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core International Aggt Bd ETF | ETF | 46435G672 | 319,592 | 6,167 | SH | | SOLE | 0 | 0 | 0 | 0 |
Johnson & Johnson | Stock | 478160104 | 1,148,716 | 7,088 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard Total Stock Market ETF | ETF | 922908769 | 958,502 | 3,385 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI Emerging Markets ETF | ETF | 464287234 | 517,499 | 11,284 | SH | | SOLE | 0 | 0 | 0 | 0 |
Shell PLC | ADR | 780259305 | 239,843 | 3,637 | SH | | SOLE | 0 | 0 | 0 | 0 |
Procter & Gamble Co | Stock | 742718109 | 8,238,340 | 47,565 | SH | | SOLE | 0 | 0 | 0 | 0 |
United Parcel Service Inc | Stock | 911312106 | 265,875 | 1,950 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard Real Estate ETF | ETF | 922908553 | 473,488 | 4,860 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI ACWI ex US ETF | ETF | 464288240 | 442,646 | 7,736 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Edge MSCI Multifactor Intl ETF | ETF | 46434V274 | 208,758 | 6,642 | SH | | SOLE | 0 | 0 | 0 | 0 |
Merck & Co Inc | Stock | 58933Y105 | 730,526 | 6,433 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Short-Term National Muni Bd ETF | ETF | 464288158 | 250,881 | 2,363 | SH | | SOLE | 0 | 0 | 0 | 0 |
SPDR S&P 500 ETF Trust | ETF | 78462F103 | 1,203,307 | 2,097 | SH | | SOLE | 0 | 0 | 0 | 0 |
SPDR S&P 500 12/20/24 360 CALL | CALL | 5683089LH | 695,552 | 3,200 | SH | Call | SOLE | 0 | 0 | 0 | 0 |
Illinois Tool Works Inc | Stock | 452308109 | 341,259 | 1,302 | SH | | SOLE | 0 | 0 | 0 | 0 |
Diageo PLC | ADR | 25243Q205 | 203,117 | 1,447 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core US REIT ETF | ETF | 464288521 | 237,069 | 3,850 | SH | | SOLE | 0 | 0 | 0 | 0 |
American Financial Group Inc | Stock | 025932104 | 338,409 | 2,514 | SH | | SOLE | 0 | 0 | 0 | 0 |
ALPS O'SHARES US SMALL-CAP QUALITY DIVIDEND ETF | ETF | 00162Q395 | 228,813 | 5,077 | SH | | SOLE | 0 | 0 | 0 | 0 |
Verizon Communications Inc | Stock | 92343V104 | 462,109 | 10,290 | SH | | SOLE | 0 | 0 | 0 | 0 |
PepsiCo Inc | Stock | 713448108 | 512,532 | 3,014 | SH | | SOLE | 0 | 0 | 0 | 0 |
Trane Technologies PLC | Stock | G8994E103 | 631,583 | 1,625 | SH | | SOLE | 0 | 0 | 0 | 0 |
U.S. Bancorp | Stock | 902973304 | 301,606 | 6,595 | SH | | SOLE | 0 | 0 | 0 | 0 |
The Home Depot Inc | Stock | 437076102 | 1,061,100 | 2,619 | SH | | SOLE | 0 | 0 | 0 | 0 |
Automatic Data Processing Inc | Stock | 053015103 | 403,340 | 1,458 | SH | | SOLE | 0 | 0 | 0 | 0 |
Southern Co | Stock | 842587107 | 243,108 | 2,696 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Russell 1000 Growth ETF | ETF | 464287614 | 3,038,536 | 8,095 | SH | | SOLE | 0 | 0 | 0 | 0 |
Schwab US Broad Market ETF | ETF | 808524102 | 803,254 | 12,075 | SH | | SOLE | 0 | 0 | 0 | 0 |
Schwab International Equity ETF | ETF | 808524805 | 501,005 | 12,184 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core S&P Small-Cap ETF | ETF | 464287804 | 25,317,681 | 216,464 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec 2027 Term Corp ETF | ETF | 46435UAA9 | 1,062,744 | 43,609 | SH | | SOLE | 0 | 0 | 0 | 0 |
Berkshire Hathaway Inc | Stock | 084670702 | 858,780 | 1,866 | SH | | SOLE | 0 | 0 | 0 | 0 |
Adobe Inc | Stock | 00724F101 | 279,420 | 540 | SH | | SOLE | 0 | 0 | 0 | 0 |
Alphabet Inc | Stock | 02079K305 | 862,049 | 5,198 | SH | | SOLE | 0 | 0 | 0 | 0 |
Fiserv Inc | Stock | 337738108 | 400,979 | 2,232 | SH | | SOLE | 0 | 0 | 0 | 0 |
CSX Corp | Stock | 126408103 | 993,636 | 28,776 | SH | | SOLE | 0 | 0 | 0 | 0 |
Comcast Corp | Stock | 20030N101 | 338,370 | 8,101 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec 2024 Term Muni Bond | ETF | 46435U697 | 438,946 | 16,818 | SH | | SOLE | 0 | 0 | 0 | 0 |
Microsoft Corp | Stock | 594918104 | 2,841,115 | 6,603 | SH | | SOLE | 0 | 0 | 0 | 0 |
CVS Health Corp | Stock | 126650100 | 214,085 | 3,405 | SH | | SOLE | 0 | 0 | 0 | 0 |
ISHARES EUROPE ETF | ETF | 464287861 | 374,560 | 6,428 | SH | | SOLE | 0 | 0 | 0 | 0 |
First Trust TCW Unconstrained Plus Bond ETF | ETF | 33740F888 | 338,633 | 13,475 | SH | | SOLE | 0 | 0 | 0 | 0 |
KEURIG DR PEPPER INC COM | Stock | 49271V100 | 229,931 | 6,135 | SH | | SOLE | 0 | 0 | 0 | 0 |
Ameriprise Financial Inc | Stock | 03076C106 | 220,284 | 469 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard Small-Cap ETF | ETF | 922908751 | 410,581 | 1,731 | SH | | SOLE | 0 | 0 | 0 | 0 |
NextEra Energy Inc | Stock | 65339F101 | 350,440 | 4,146 | SH | | SOLE | 0 | 0 | 0 | 0 |
VICTORYSHARES CORE INTERMEDIATE BOND ETF | ETF | 92647N527 | 554,039 | 11,559 | SH | | SOLE | 0 | 0 | 0 | 0 |
Norfolk Southern Corp | Stock | 655844108 | 398,690 | 1,604 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec 2025 Term Muni Bd ETF | ETF | 46435U432 | 498,225 | 18,688 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard S&P 500 ETF | ETF | 922908363 | 1,581,291 | 2,997 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec 2026 Term Muni Bond ETF | ETF | 46435U259 | 325,480 | 12,687 | SH | | SOLE | 0 | 0 | 0 | 0 |
Fifth Third Bancorp | Stock | 316773100 | 235,331 | 5,493 | SH | | SOLE | 0 | 0 | 0 | 0 |
LCNB Corp | Stock | 50181P100 | 1,125,578 | 74,690 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec 2027 Term Muni Bd ETF | ETF | 46435U283 | 203,473 | 7,995 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI EAFE Growth ETF | ETF | 464288885 | 936,670 | 8,701 | SH | | SOLE | 0 | 0 | 0 | 0 |
Air Products & Chemicals Inc | Stock | 009158106 | 321,652 | 1,080 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Russell 2000 ETF | ETF | 464287655 | 1,103,375 | 4,995 | SH | | SOLE | 0 | 0 | 0 | 0 |
Duke Energy Corp | Stock | 26441C204 | 447,945 | 3,885 | SH | | SOLE | 0 | 0 | 0 | 0 |
Carrier Global Corp | Stock | 14448C104 | 445,294 | 5,532 | SH | | SOLE | 0 | 0 | 0 | 0 |
Invesco S&P 500 Low Volatility ETF | ETF | 46138E354 | 307,830 | 4,292 | SH | | SOLE | 0 | 0 | 0 | 0 |
VANGUARD FTSE PACIFIC ETF | ETF | 922042866 | 296,236 | 3,779 | SH | | SOLE | 0 | 0 | 0 | 0 |
EV Tax-Mgd Gbl Div Equity Income | CEF | 27829F108 | 220,437 | 25,279 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI EAFE Value ETF | ETF | 464288877 | 829,824 | 14,424 | SH | | SOLE | 0 | 0 | 0 | 0 |
Energy Transfer LP | Stock | 29273V100 | 513,408 | 31,988 | SH | | SOLE | 0 | 0 | 0 | 0 |
Visa Inc | Stock | 92826C839 | 348,565 | 1,268 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI USA Min Vol Factor ETF | ETF | 46429B697 | 299,610 | 3,281 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard Growth ETF | ETF | 922908736 | 393,846 | 1,026 | SH | | SOLE | 0 | 0 | 0 | 0 |
Meta Platforms Inc | Stock | 30303M102 | 400,367 | 699 | SH | | SOLE | 0 | 0 | 0 | 0 |
Palo Alto Networks Inc | Stock | 697435105 | 206,710 | 605 | SH | | SOLE | 0 | 0 | 0 | 0 |
SPDR SSgA Multi-Asset Real Return ETF | ETF | 78467V103 | 1,075,701 | 37,429 | SH | | SOLE | 0 | 0 | 0 | 0 |
Broadcom Inc | Stock | 11135F101 | 963,962 | 5,588 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core MSCI Total Intl Stk ETF | ETF | 46432F834 | 788,568 | 10,857 | SH | | SOLE | 0 | 0 | 0 | 0 |
Accenture PLC | Stock | G1151C101 | 385,400 | 1,090 | SH | | SOLE | 0 | 0 | 0 | 0 |
The Kroger Co | Stock | 501044101 | 233,824 | 4,081 | SH | | SOLE | 0 | 0 | 0 | 0 |
NVIDIA Corp | Stock | 67066G104 | 201,995 | 1,663 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares 1-5 Year invmt Grd Corp Bd ETF | ETF | 464288646 | 243,452 | 4,623 | SH | | SOLE | 0 | 0 | 0 | 0 |
EOG Resources Inc | Stock | 26875P101 | 253,355 | 2,061 | SH | | SOLE | 0 | 0 | 0 | 0 |
AbbVie Inc | Stock | 00287Y109 | 788,870 | 3,995 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core MSCI Emerging Markets ETF | ETF | 46434G103 | 465,369 | 8,106 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard FTSE All-Wld ex-US ETF | ETF | 922042775 | 773,896 | 12,284 | SH | | SOLE | 0 | 0 | 0 | 0 |
Qualcomm Inc | Stock | 747525103 | 535,296 | 3,148 | SH | | SOLE | 0 | 0 | 0 | 0 |
McDonald's Corp | Stock | 580135101 | 225,167 | 739 | SH | | SOLE | 0 | 0 | 0 | 0 |
New Residential Investment Corp | REIT | 64828T201 | 363,101 | 31,991 | SH | | SOLE | 0 | 0 | 0 | 0 |
Cisco Systems Inc | Stock | 17275R102 | 245,301 | 4,609 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Russell Mid-Cap ETF | ETF | 464287499 | 3,291,234 | 37,341 | SH | | SOLE | 0 | 0 | 0 | 0 |
Strive 500 ETF | ETF | 02072L680 | 206,797 | 5,614 | SH | | SOLE | 0 | 0 | 0 | 0 |
GE VERNOVA INC COM | Stock | 36828A101 | 363,613 | 1,426 | SH | | SOLE | 0 | 0 | 0 | 0 |
Schwab Fundamental US Small Company ETF | ETF | 808524763 | 628,789 | 10,555 | SH | | SOLE | 0 | 0 | 0 | 0 |
General Electric Co | Stock | 369604301 | 1,099,594 | 5,831 | SH | | SOLE | 0 | 0 | 0 | 0 |
SPDR Portfolio Short Term Treasury ETF | ETF | 78468R101 | 966,630 | 32,867 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI USA Quality Factor ETF | ETF | 46432F339 | 887,623 | 4,950 | SH | | SOLE | 0 | 0 | 0 | 0 |
INNOVATOR EQUITY DEFINED PROTECTION ETF - 6MO JAN/JUL | ETF | 45783Y244 | 213,440 | 8,000 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares S&P 500 Growth ETF | ETF | 464287309 | 205,863 | 2,150 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core S&P 500 ETF | ETF | 464287200 | 121,442,995 | 210,539 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares IBonds Dec. 2026 Corporate Bond ETF | ETF | 46435GAA0 | 1,052,715 | 43,322 | SH | | SOLE | 0 | 0 | 0 | 0 |
Cintas Corp | Stock | 172908105 | 798,472 | 3,878 | SH | | SOLE | 0 | 0 | 0 | 0 |
Northrop Grumman Corp | Stock | 666807102 | 319,122 | 604 | SH | | SOLE | 0 | 0 | 0 | 0 |
Thermo Fisher Scientific Inc | Stock | 883556102 | 371,929 | 601 | SH | | SOLE | 0 | 0 | 0 | 0 |
Lockheed Martin Corp | Stock | 539830109 | 1,455,526 | 2,490 | SH | | SOLE | 0 | 0 | 0 | 0 |
JPMorgan Chase & Co | Stock | 46625H100 | 1,118,833 | 5,306 | SH | | SOLE | 0 | 0 | 0 | 0 |
The Hartford Financial Services Group Inc | Stock | 416515104 | 376,352 | 3,200 | SH | | SOLE | 0 | 0 | 0 | 0 |
Chevron Corp | Stock | 166764100 | 634,763 | 4,310 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares National Muni Bond ETF | ETF | 464288414 | 1,385,211 | 12,752 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard FTSE Developed Markets ETF | ETF | 921943858 | 536,571 | 10,160 | SH | | SOLE | 0 | 0 | 0 | 0 |
Cincinnati Financial Corp | Stock | 172062101 | 277,034 | 2,035 | SH | | SOLE | 0 | 0 | 0 | 0 |
TJX Companies Inc | Stock | 872540109 | 486,587 | 4,140 | SH | | SOLE | 0 | 0 | 0 | 0 |
Walmart Inc | Stock | 931142103 | 770,608 | 9,543 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares 3-7 Year Treasury Bond ETF | ETF | 464288661 | 1,023,904 | 8,561 | SH | | SOLE | 0 | 0 | 0 | 0 |
International Business Machines Corp | Stock | 459200101 | 349,879 | 1,583 | SH | | SOLE | 0 | 0 | 0 | 0 |
Raytheon Technologies Corp | Stock | 75513E101 | 699,933 | 5,777 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard FTSE Emerging Markets ETF | ETF | 922042858 | 745,930 | 15,589 | SH | | SOLE | 0 | 0 | 0 | 0 |
Target Corp | Stock | 87612E106 | 254,348 | 1,632 | SH | | SOLE | 0 | 0 | 0 | 0 |
Alphabet Inc | Stock | 02079K107 | 390,392 | 2,335 | SH | | SOLE | 0 | 0 | 0 | 0 |
Amgen Inc | Stock | 031162100 | 469,475 | 1,457 | SH | | SOLE | 0 | 0 | 0 | 0 |
Otis Worldwide Corp | Stock | 68902V107 | 287,345 | 2,765 | SH | | SOLE | 0 | 0 | 0 | 0 |
Williams Companies Inc | Stock | 969457100 | 547,745 | 11,999 | SH | | SOLE | 0 | 0 | 0 | 0 |
Vanguard Dividend Appreciation ETF | ETF | 921908844 | 311,604 | 1,573 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares 7-10 Year Treasury Bond ETF | ETF | 464287440 | 868,399 | 8,850 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core US Aggregate Bond ETF | ETF | 464287226 | 692,233 | 6,836 | SH | | SOLE | 0 | 0 | 0 | 0 |
Citizens Financial Group Inc | Stock | 174610105 | 278,020 | 6,769 | SH | | SOLE | 0 | 0 | 0 | 0 |
BorgWarner Inc | Stock | 099724106 | 280,687 | 7,735 | SH | | SOLE | 0 | 0 | 0 | 0 |
Hillenbrand Inc | Stock | 431571108 | 573,431 | 20,627 | SH | | SOLE | 0 | 0 | 0 | 0 |
PNC Financial Services Group Inc | Stock | 693475105 | 223,129 | 1,207 | SH | | SOLE | 0 | 0 | 0 | 0 |
Bristol-Myers Squibb Co | Stock | 110122108 | 366,099 | 7,076 | SH | | SOLE | 0 | 0 | 0 | 0 |
Exxon Mobil Corp | Stock | 30231G102 | 521,222 | 4,447 | SH | | SOLE | 0 | 0 | 0 | 0 |
Colgate-Palmolive Co | Stock | 194162103 | 426,950 | 4,113 | SH | | SOLE | 0 | 0 | 0 | 0 |
PayPal Holdings Inc | Stock | 70450Y103 | 206,276 | 2,644 | SH | | SOLE | 0 | 0 | 0 | 0 |
Charles Schwab Corp | Stock | 808513105 | 305,630 | 4,716 | SH | | SOLE | 0 | 0 | 0 | 0 |
Crown Castle International Corp | REIT | 22822V101 | 333,938 | 2,815 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Core S&P Mid-Cap ETF | ETF | 464287507 | 19,919,235 | 319,628 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares MSCI EAFE ETF | ETF | 464287465 | 725,489 | 8,675 | SH | | SOLE | 0 | 0 | 0 | 0 |
Apple Inc | Stock | 037833100 | 5,377,149 | 23,078 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec. 2025 Corporate Bond ETF | ETF | 46434VBD1 | 1,045,040 | 41,635 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares iBonds Dec. 2024 Corporate Bond ETF | ETF | 46434VBG4 | 925,096 | 36,696 | SH | | SOLE | 0 | 0 | 0 | 0 |
Abbott Laboratories | Stock | 002824100 | 515,840 | 4,525 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Russell 1000 ETF | ETF | 464287622 | 218,611 | 695 | SH | | SOLE | 0 | 0 | 0 | 0 |
iShares Russell 1000 Value ETF | ETF | 464287598 | 670,853 | 3,535 | SH | | SOLE | 0 | 0 | 0 | 0 |
HERON THERAPEUTICS INC COM | Stock | 427746102 | 58,327 | 29,310 | SH | | SOLE | 0 | 0 | 0 | 0 |