Ritter Daniher Financial Advisory LLC / DE 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

OMB APPROVAL

OMB Number:		3235-0006
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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	22,829	167	SH		SOLE	RitterDaniher	0	0	167
ABBOTT LABS	COM	002824100	23,373	205	SH		SOLE	RitterDaniher	0	0	205
ABBVIE INC	COM	00287Y109	149,690	758	SH		SOLE	RitterDaniher	0	0	758
ACADIA PHARMACEUTICALS INC	COM	004225108	969	63	SH		SOLE	RitterDaniher	0	0	63
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	31,460	89	SH		SOLE	RitterDaniher	0	0	89
ADOBE INC	COM	00724F101	71,454	138	SH		SOLE	RitterDaniher	0	0	138
ADVANCED MICRO DEVICES INC	COM	007903107	158,174	964	SH		SOLE	RitterDaniher	179	0	785
ALCOA CORP	COM	013872106	28,280	733	SH		SOLE	RitterDaniher	0	0	733
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	24,726	233	SH		SOLE	RitterDaniher	0	0	233
ALPHABET INC	CAP STK CL A	02079K305	1,498,439	9,035	SH		SOLE	RitterDaniher	320	0	8,715
ALPHABET INC	CAP STK CL C	02079K107	729,450	4,363	SH		SOLE	RitterDaniher	0	0	4,363
AMAZON COM INC	COM	023135106	2,770,738	14,870	SH		SOLE	RitterDaniher	345	0	14,525
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	22,900,420	354,496	SH		SOLE	RitterDaniher	12,650	0	341,846
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	5,776,632	102,898	SH		SOLE	RitterDaniher	6,180	0	96,718
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	127,913	1,810	SH		SOLE	RitterDaniher	0	0	1,810
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	1,248	13	SH		SOLE	RitterDaniher	0	0	13
AMERICAN ELEC PWR CO INC	COM	025537101	54,173	528	SH		SOLE	RitterDaniher	0	0	528
AMERICAN EXPRESS CO	COM	025816109	79,462	293	SH		SOLE	RitterDaniher	0	0	293
AMERICAN FINL GROUP INC OHIO	COM	025932104	25,902	192	SH		SOLE	RitterDaniher	0	0	192
AMERICAN WTR WKS CO INC NEW	COM	030420103	7,312	50	SH		SOLE	RitterDaniher	0	0	50
AMGEN INC	COM	031162100	24,948	77	SH		SOLE	RitterDaniher	0	0	77
AON PLC	SHS CL A	G0403H108	17,992	52	SH		SOLE	RitterDaniher	0	0	52
APPLE INC	COM	037833100	8,769,355	37,637	SH		SOLE	RitterDaniher	254	0	37,383
ARISTA NETWORKS INC	COM	040413106	46,059	120	SH		SOLE	RitterDaniher	0	0	120
ARK ETF TR	GENOMIC REV ETF	00214Q302	1,306	51	SH		SOLE	RitterDaniher	0	0	51
ARK ETF TR	INNOVATION ETF	00214Q104	1,236	26	SH		SOLE	RitterDaniher	0	0	26
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	35,830	43	SH		SOLE	RitterDaniher	0	0	43
AT&T INC	COM	00206R102	29,436	1,338	SH		SOLE	RitterDaniher	0	0	1,338
AUTOMATIC DATA PROCESSING IN	COM	053015103	59,774	216	SH		SOLE	RitterDaniher	0	0	216
AXON ENTERPRISE INC	COM	05464C101	51,948	130	SH		SOLE	RitterDaniher	0	0	130
BABCOCK & WILCOX ENTERPRISES	COM	05614L209	2,040	1,000	SH		SOLE	RitterDaniher	0	0	1,000
BANK AMERICA CORP	COM	060505104	194,591	4,904	SH		SOLE	RitterDaniher	0	0	4,904
BLACKROCK MUN TARGET TERM TR	COM SHS BEN IN	09257P105	55,261	2,556	SH		SOLE	RitterDaniher	0	0	2,556
BLACKSTONE INC	COM	09260D107	165,205	1,079	SH		SOLE	RitterDaniher	0	0	1,079
BOOZ ALLEN HAMILTON HLDG COR	CL A	099502106	10,580	65	SH		SOLE	RitterDaniher	0	0	65
BOSTON BEER INC	CL A	100557107	2,314	8	SH		SOLE	RitterDaniher	0	0	8
BP PLC	SPONSORED ADR	055622104	487,236	15,522	SH		SOLE	RitterDaniher	0	0	15,522
BRISTOL-MYERS SQUIBB CO	COM	110122108	311,135	6,013	SH		SOLE	RitterDaniher	0	0	6,013
BROADCOM INC	COM	11135F101	457,125	2,650	SH		SOLE	RitterDaniher	270	0	2,380
CADENCE DESIGN SYSTEM INC	COM	127387108	17,617	65	SH		SOLE	RitterDaniher	65	0	0
CANADIAN IMPERIAL BK COMM	COM	136069101	12,268	200	SH		SOLE	RitterDaniher	0	0	200
CANADIAN NATL RY CO	COM	136375102	70,290	600	SH		SOLE	RitterDaniher	0	0	600
CARNIVAL CORP	UNIT 99/99/9999	143658300	5,101	276	SH		SOLE	RitterDaniher	0	0	276
CARRIER GLOBAL CORPORATION	COM	14448C104	16,098	200	SH		SOLE	RitterDaniher	0	0	200
CAVA GROUP INC	COM	148929102	185,775	1,500	SH		SOLE	RitterDaniher	0	0	1,500
CHEMOURS CO	COM	163851108	6,604	325	SH		SOLE	RitterDaniher	0	0	325
CHENIERE ENERGY INC	COM NEW	16411R208	52,873	294	SH		SOLE	RitterDaniher	0	0	294
CHEVRON CORP NEW	COM	166764100	426,642	2,897	SH		SOLE	RitterDaniher	0	0	2,897
CHEWY INC	CL A	16679L109	1,465	50	SH		SOLE	RitterDaniher	0	0	50
CHIPOTLE MEXICAN GRILL INC	COM	169656105	53,299	925	SH		SOLE	RitterDaniher	0	0	925
CINCINNATI FINL CORP	COM	172062101	58,532	430	SH		SOLE	RitterDaniher	0	0	430
CINTAS CORP	COM	172908105	3,495,843	16,980	SH		SOLE	RitterDaniher	0	0	16,980
CISCO SYS INC	COM	17275R102	10,644	200	SH		SOLE	RitterDaniher	0	0	200
CLOROX CO DEL	COM	189054109	16,291	100	SH		SOLE	RitterDaniher	0	0	100
COCA COLA CO	COM	191216100	348,953	4,856	SH		SOLE	RitterDaniher	0	0	4,856
COMCAST CORP NEW	CL A	20030N101	45,864	1,098	SH		SOLE	RitterDaniher	0	0	1,098
COMERICA INC	COM	200340107	66,620	1,112	SH		SOLE	RitterDaniher	0	0	1,112
CONCENTRIX CORP	COM	20602D101	615	12	SH		SOLE	RitterDaniher	0	0	12
CONOCOPHILLIPS	COM	20825C104	68,432	650	SH		SOLE	RitterDaniher	0	0	650
CONSOLIDATED EDISON INC	COM	209115104	26,033	250	SH		SOLE	RitterDaniher	0	0	250
COPART INC	COM	217204106	20,541	392	SH		SOLE	RitterDaniher	392	0	0
CORTEVA INC	COM	22052L104	42,858	729	SH		SOLE	RitterDaniher	0	0	729
COSTCO WHSL CORP NEW	COM	22160K105	1,337,485	1,509	SH		SOLE	RitterDaniher	40	0	1,469
CSX CORP	COM	126408103	150,206	4,350	SH		SOLE	RitterDaniher	0	0	4,350
CUMMINS INC	COM	231021106	9,714	30	SH		SOLE	RitterDaniher	0	0	30
CVS HEALTH CORP	COM	126650100	5	0	SH		SOLE	RitterDaniher	0	0	0
DECKERS OUTDOOR CORP	COM	243537107	77,493	486	SH		SOLE	RitterDaniher	306	0	180
DEERE & CO	COM	244199105	58,844	141	SH		SOLE	RitterDaniher	0	0	141
DELTA AIR LINES INC DEL	COM NEW	247361702	8,235	162	SH		SOLE	RitterDaniher	0	0	162
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	46,285	832	SH		SOLE	RitterDaniher	0	0	832
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	66,850	2,475	SH		SOLE	RitterDaniher	0	0	2,475
DISNEY WALT CO	COM	254687106	42,980	447	SH		SOLE	RitterDaniher	0	0	447
DOMINION ENERGY INC	COM	25746U109	3,583	62	SH		SOLE	RitterDaniher	0	0	62
DOW INC	COM	260557103	39,717	727	SH		SOLE	RitterDaniher	0	0	727
DRAFTKINGS INC NEW	COM CL A	26142V105	53,704	1,370	SH		SOLE	RitterDaniher	0	0	1,370
DT MIDSTREAM INC	COMMON STOCK	23345M107	2,675	34	SH		SOLE	RitterDaniher	0	0	34
DTE ENERGY CO	COM	233331107	8,959	70	SH		SOLE	RitterDaniher	0	0	70
DUKE ENERGY CORP NEW	COM NEW	26441C204	308,038	2,672	SH		SOLE	RitterDaniher	0	0	2,672
DUPONT DE NEMOURS INC	COM	26614N102	65,051	730	SH		SOLE	RitterDaniher	0	0	730
DXC TECHNOLOGY CO	COM	23355L106	3,362	162	SH		SOLE	RitterDaniher	0	0	162
ELEVANCE HEALTH INC	COM	036752103	479,440	922	SH		SOLE	RitterDaniher	0	0	922
ELI LILLY & CO	COM	532457108	995,813	1,124	SH		SOLE	RitterDaniher	32	0	1,092
ENBRIDGE INC	COM	29250N105	50,722	1,249	SH		SOLE	RitterDaniher	0	0	1,249
ENTERGY CORP NEW	COM	29364G103	7,239	55	SH		SOLE	RitterDaniher	0	0	55
EVERGY INC	COM	30034W106	7,380	119	SH		SOLE	RitterDaniher	0	0	119
EXXON MOBIL CORP	COM	30231G102	748,216	6,383	SH		SOLE	RitterDaniher	0	0	6,383
FIDELITY COVINGTON TRUST	ENHANCED LARGE	316092113	91,361	2,847	SH		SOLE	RitterDaniher	0	0	2,847
FIFTH THIRD BANCORP	COM	316773100	467,685	10,917	SH		SOLE	RitterDaniher	0	0	10,917
FIRST BANCSHARES INC MISS	COM	318916103	6,491	202	SH		SOLE	RitterDaniher	0	0	202
FORD MTR CO	COM	345370860	3,417	324	SH		SOLE	RitterDaniher	0	0	324
GAMESTOP CORP NEW	CL A	36467W109	276	12	SH		SOLE	RitterDaniher	0	0	12
GARTNER INC	COM	366651107	118,582	234	SH		SOLE	RitterDaniher	0	0	234
GE AEROSPACE	COM NEW	369604301	53,626	284	SH		SOLE	RitterDaniher	0	0	284
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	7,511	80	SH		SOLE	RitterDaniher	0	0	80
GE VERNOVA INC	COM	36828A101	15,299	60	SH		SOLE	RitterDaniher	0	0	60
GENUINE PARTS CO	COM	372460105	15,226	109	SH		SOLE	RitterDaniher	0	0	109
GLADSTONE LD CORP	COM	376549101	14,790	1,064	SH		SOLE	RitterDaniher	0	0	1,064
GLOBAL X FDS	CLEAN WTR ETF	37954Y186	3,277	177	SH		SOLE	RitterDaniher	0	0	177
GLOBAL X FDS	FINTECH ETF	37954Y814	6,445	230	SH		SOLE	RitterDaniher	0	0	230
GLOBAL X FDS	GENOMIC BIOTECH	37954Y434	889	79	SH		SOLE	RitterDaniher	0	0	79
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	2,175	76	SH		SOLE	RitterDaniher	0	0	76
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	10,331	237	SH		SOLE	RitterDaniher	0	0	237
GLOBAL X FDS	RENEWABLE ENERGY	37954Y707	11,279	1,061	SH		SOLE	RitterDaniher	0	0	1,061
GLOBAL X FDS	SOLAR ETF	37960A701	6,624	581	SH		SOLE	RitterDaniher	0	0	581
GLOBAL X FDS	THMATC GWT ETF	37954Y418	1,399	55	SH		SOLE	RitterDaniher	0	0	55
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	38,793	1,896	SH		SOLE	RitterDaniher	0	0	1,896
HOME DEPOT INC	COM	437076102	279,588	690	SH		SOLE	RitterDaniher	0	0	690
HONEYWELL INTL INC	COM	438516106	10,336	50	SH		SOLE	RitterDaniher	0	0	50
HP INC	COM	40434L105	68,010	1,896	SH		SOLE	RitterDaniher	0	0	1,896
HUMANA INC	COM	444859102	28,507	90	SH		SOLE	RitterDaniher	0	0	90
HUNTINGTON BANCSHARES INC	COM	446150104	76,617	5,212	SH		SOLE	RitterDaniher	0	0	5,212
ICON PLC	SHS	G4705A100	142,219	495	SH		SOLE	RitterDaniher	0	0	495
ILLINOIS TOOL WKS INC	COM	452308109	59,490	227	SH		SOLE	RitterDaniher	0	0	227
INOTIV INC	COM	45783Q100	850	500	SH		SOLE	RitterDaniher	0	0	500
INTEL CORP	COM	458140100	79,084	3,371	SH		SOLE	RitterDaniher	0	0	3,371
INTERNATIONAL BUSINESS MACHS	COM	459200101	216,704	980	SH		SOLE	RitterDaniher	0	0	980
INTUIT	COM	461202103	1,242	2	SH		SOLE	RitterDaniher	0	0	2
INTUITIVE SURGICAL INC	COM NEW	46120E602	222,546	453	SH		SOLE	RitterDaniher	0	0	453
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	4,454	200	SH		SOLE	RitterDaniher	0	0	200
INVESCO EXCHANGE TRADED FD T	AEROSPACE DEFN	46137V100	9,905	86	SH		SOLE	RitterDaniher	0	0	86
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	8,655	213	SH		SOLE	RitterDaniher	0	0	213
INVESCO EXCHANGE TRADED FD T	PHARMACEUTICALS	46137V662	21,743	250	SH		SOLE	RitterDaniher	0	0	250
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	17,522	98	SH		SOLE	RitterDaniher	0	0	98
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	311,152	4,411	SH		SOLE	RitterDaniher	2,661	0	1,750
INVESCO QQQ TR	UNIT SER 1	46090E103	71,203	146	SH		SOLE	RitterDaniher	0	0	146
ISHARES INC	CORE MSCI EMKT	46434G103	115	2	SH		SOLE	RitterDaniher	0	0	2
ISHARES INC	MSCI AUST ETF	464286103	8,133	300	SH		SOLE	RitterDaniher	0	0	300
ISHARES TR	1 3 YR TREAS BD	464287457	49,890	600	SH		SOLE	RitterDaniher	0	0	600
ISHARES TR	CORE DIV GRWTH	46434V621	33,282,148	530,900	SH		SOLE	RitterDaniher	23,194	0	507,706
ISHARES TR	CORE MSCI EAFE	46432F842	29,511,165	378,106	SH		SOLE	RitterDaniher	11,996	0	366,110
ISHARES TR	CORE S&P MCP ETF	464287507	28,363,393	455,125	SH		SOLE	RitterDaniher	10,618	0	444,507
ISHARES TR	CORE S&P SCP ETF	464287804	20,853,601	178,297	SH		SOLE	RitterDaniher	5,510	0	172,787
ISHARES TR	CORE S&P TTL STK	464287150	315,551	2,512	SH		SOLE	RitterDaniher	0	0	2,512
ISHARES TR	CORE S&P500 ETF	464287200	74,513,950	129,181	SH		SOLE	RitterDaniher	4,026	0	125,155
ISHARES TR	CORE US AGGBD ET	464287226	130,639	1,290	SH		SOLE	RitterDaniher	0	0	1,290
ISHARES TR	EAFE GRWTH ETF	464288885	974,771	9,055	SH		SOLE	RitterDaniher	268	0	8,787
ISHARES TR	EAFE VALUE ETF	464288877	398,281	6,923	SH		SOLE	RitterDaniher	0	0	6,923
ISHARES TR	EXPANDED TECH	464287515	9,831	110	SH		SOLE	RitterDaniher	0	0	110
ISHARES TR	EXPONENTIAL TECH	46434V381	7,610	125	SH		SOLE	RitterDaniher	0	0	125
ISHARES TR	GLOBAL 100 ETF	464287572	298	3	SH		SOLE	RitterDaniher	0	0	3
ISHARES TR	ISHARES SEMICDTR	464287523	4,151	18	SH		SOLE	RitterDaniher	0	0	18
ISHARES TR	MRGSTR SM CP GR	464288604	162,205	3,313	SH		SOLE	RitterDaniher	0	0	3,313
ISHARES TR	MSCI ACWI ETF	464288257	142,863	1,195	SH		SOLE	RitterDaniher	0	0	1,195
ISHARES TR	MSCI EAFE ETF	464287465	941,089	11,253	SH		SOLE	RitterDaniher	588	0	10,665
ISHARES TR	MSCI EMG MKT ETF	464287234	159,135	3,470	SH		SOLE	RitterDaniher	0	0	3,470
ISHARES TR	MSCI KLD400 SOC	464288570	326,370	3,000	SH		SOLE	RitterDaniher	0	0	3,000
ISHARES TR	MSCI USA MIN VOL	46429B697	16,802	184	SH		SOLE	RitterDaniher	0	0	184
ISHARES TR	RUS 1000 ETF	464287622	46,216	147	SH		SOLE	RitterDaniher	0	0	147
ISHARES TR	RUS 1000 GRW ETF	464287614	200,829	535	SH		SOLE	RitterDaniher	0	0	535
ISHARES TR	RUS 1000 VAL ETF	464287598	349,612	1,842	SH		SOLE	RitterDaniher	0	0	1,842
ISHARES TR	RUS MD CP GR ETF	464287481	1,577,777	13,452	SH		SOLE	RitterDaniher	0	0	13,452
ISHARES TR	RUS MDCP VAL ETF	464287473	262,913	1,988	SH		SOLE	RitterDaniher	0	0	1,988
ISHARES TR	RUS MID CAP ETF	464287499	1,183,721	13,430	SH		SOLE	RitterDaniher	1,950	0	11,480
ISHARES TR	RUSSELL 2000 ETF	464287655	715,905	3,241	SH		SOLE	RitterDaniher	550	0	2,691
ISHARES TR	RUSSELL 3000 ETF	464287689	142,128	435	SH		SOLE	RitterDaniher	0	0	435
ISHARES TR	S&P 100 ETF	464287101	241,058	871	SH		SOLE	RitterDaniher	0	0	871
ISHARES TR	S&P 500 GRWT ETF	464287309	1,141,149	11,918	SH		SOLE	RitterDaniher	1,018	0	10,900
ISHARES TR	S&P 500 VAL ETF	464287408	613,002	3,109	SH		SOLE	RitterDaniher	0	0	3,109
ISHARES TR	S&P MC 400GR ETF	464287606	1,827,569	19,880	SH		SOLE	RitterDaniher	3,812	0	16,068
ISHARES TR	S&P MC 400VL ETF	464287705	1,653,542	13,376	SH		SOLE	RitterDaniher	526	0	12,850
ISHARES TR	S&P SML 600 GWT	464287887	1,428,698	10,242	SH		SOLE	RitterDaniher	1,158	0	9,084
ISHARES TR	SELECT DIVID ETF	464287168	439,113	3,251	SH		SOLE	RitterDaniher	0	0	3,251
ISHARES TR	SP SMCP600VL ETF	464287879	1,051,623	9,768	SH		SOLE	RitterDaniher	322	0	9,446
ISHARES TR	U.S. ENERGY ETF	464287796	48,657	1,050	SH		SOLE	RitterDaniher	0	0	1,050
ISHARES TR	US AER DEF ETF	464288760	14,964	100	SH		SOLE	RitterDaniher	0	0	100
ISHARES TR	US CONSUM DISCRE	464287580	16,709	190	SH		SOLE	RitterDaniher	0	0	190
ISHARES TR	US HLTHCARE ETF	464287762	26,000	400	SH		SOLE	RitterDaniher	0	0	400
ISHARES TR	US TELECOM ETF	464287713	430	17	SH		SOLE	RitterDaniher	0	0	17
J P MORGAN EXCHANGE TRADED F	ACTIVE VALUE ETF	46641Q167	15,364,179	239,803	SH		SOLE	RitterDaniher	6,139	0	233,664
J P MORGAN EXCHANGE TRADED F	DIV RTN INT EQ	46641Q209	2,043	34	SH		SOLE	RitterDaniher	0	0	34
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	8,593,040	144,397	SH		SOLE	RitterDaniher	116	0	144,281
J P MORGAN EXCHANGE TRADED F	U S TECH LEADERS	46654Q732	5,494	80	SH		SOLE	RitterDaniher	0	0	80
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	762	15	SH		SOLE	RitterDaniher	0	0	15
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	419,491	8,235	SH		SOLE	RitterDaniher	0	0	8,235
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	252,780	4,199	SH		SOLE	RitterDaniher	0	0	4,199
JOHNSON & JOHNSON	COM	478160104	112,146	692	SH		SOLE	RitterDaniher	0	0	692
JPMORGAN CHASE & CO.	COM	46625H100	4,127,568	19,575	SH		SOLE	RitterDaniher	0	0	19,575
KEURIG DR PEPPER INC	COM	49271V100	7,496	200	SH		SOLE	RitterDaniher	0	0	200
KROGER CO	COM	501044101	305,467	5,331	SH		SOLE	RitterDaniher	0	0	5,331
LAM RESEARCH CORP	COM	512807108	8,161	10	SH		SOLE	RitterDaniher	0	0	10
LAMB WESTON HLDGS INC	COM	513272104	2,655	41	SH		SOLE	RitterDaniher	0	0	41
LCNB CORP	COM	50181P100	8,426,527	559,159	SH		SOLE	RitterDaniher	0	0	559,159
LEIDOS HOLDINGS INC	COM	525327102	77,588	476	SH		SOLE	RitterDaniher	0	0	476
LINCOLN ELEC HLDGS INC	COM	533900106	556,858	2,900	SH		SOLE	RitterDaniher	0	0	2,900
LOWES COS INC	COM	548661107	60,400	223	SH		SOLE	RitterDaniher	0	0	223
LULULEMON ATHLETICA INC	COM	550021109	119,123	439	SH		SOLE	RitterDaniher	0	0	439
MARATHON OIL CORP	COM	565849106	2,610	98	SH		SOLE	RitterDaniher	0	0	98
MARATHON PETE CORP	COM	56585A102	815	5	SH		SOLE	RitterDaniher	0	0	5
MARSH & MCLENNAN COS INC	COM	571748102	10,040	45	SH		SOLE	RitterDaniher	0	0	45
MARVELL TECHNOLOGY INC	COM	573874104	4,236	59	SH		SOLE	RitterDaniher	0	0	59
MASTERCARD INCORPORATED	CL A	57636Q104	110,612	224	SH		SOLE	RitterDaniher	0	0	224
MATTEL INC	COM	577081102	3,753	197	SH		SOLE	RitterDaniher	0	0	197
MCDONALDS CORP	COM	580135101	65,775	216	SH		SOLE	RitterDaniher	0	0	216
MCKESSON CORP	COM	58155Q103	78,613	159	SH		SOLE	RitterDaniher	0	0	159
MEDTRONIC PLC	SHS	G5960L103	13,775	153	SH		SOLE	RitterDaniher	0	0	153
MERCK & CO INC	COM	58933Y105	54,169	477	SH		SOLE	RitterDaniher	0	0	477
META PLATFORMS INC	CL A	30303M102	269,047	470	SH		SOLE	RitterDaniher	97	0	373
MICRON TECHNOLOGY INC	COM	595112103	7,779	75	SH		SOLE	RitterDaniher	0	0	75
MICROSOFT CORP	COM	594918104	2,687,356	6,245	SH		SOLE	RitterDaniher	165	0	6,080
MODERNA INC	COM	60770K107	2	0	SH		SOLE	RitterDaniher	0	0	0
MONDELEZ INTL INC	CL A	609207105	27,774	377	SH		SOLE	RitterDaniher	0	0	377
MORGAN STANLEY	COM NEW	617446448	13,030	125	SH		SOLE	RitterDaniher	0	0	125
NET LEASE OFFICE PROPERTIES	COM	64110Y108	552	18	SH		SOLE	RitterDaniher	0	0	18
NETFLIX INC	COM	64110L106	126,971	179	SH		SOLE	RitterDaniher	0	0	179
NEXTERA ENERGY INC	COM	65339F101	1,053,505	12,463	SH		SOLE	RitterDaniher	0	0	12,463
NIKE INC	CL B	654106103	23,250	263	SH		SOLE	RitterDaniher	0	0	263
NORFOLK SOUTHN CORP	COM	655844108	298,200	1,200	SH		SOLE	RitterDaniher	0	0	1,200
NOVO-NORDISK A S	ADR	670100205	41,675	350	SH		SOLE	RitterDaniher	0	0	350
NU HLDGS LTD	ORD SHS CL A	G6683N103	2,730	200	SH		SOLE	RitterDaniher	0	0	200
NUCOR CORP	COM	670346105	60,136	400	SH		SOLE	RitterDaniher	0	0	400
NVIDIA CORPORATION	COM	67066G104	1,005,908	8,283	SH		SOLE	RitterDaniher	0	0	8,283
OLD REP INTL CORP	COM	680223104	26,565	750	SH		SOLE	RitterDaniher	0	0	750
ON SEMICONDUCTOR CORP	COM	682189105	56,636	780	SH		SOLE	RitterDaniher	0	0	780
ORACLE CORP	COM	68389X105	40,044	235	SH		SOLE	RitterDaniher	182	0	53
OREILLY AUTOMOTIVE INC	COM	67103H107	99,038	86	SH		SOLE	RitterDaniher	0	0	86
ORGANON & CO	COMMON STOCK	68622V106	95,650	5,000	SH		SOLE	RitterDaniher	0	0	5,000
PALANTIR TECHNOLOGIES INC	CL A	69608A108	43,896	1,180	SH		SOLE	RitterDaniher	0	0	1,180
PAYPAL HLDGS INC	COM	70450Y103	781	10	SH		SOLE	RitterDaniher	0	0	10
PEPSICO INC	COM	713448108	350,984	2,064	SH		SOLE	RitterDaniher	0	0	2,064
PFIZER INC	COM	717081103	449,120	15,519	SH		SOLE	RitterDaniher	0	0	15,519
PIMCO ETF TR	MULTISECTOR BD	72201R585	3,858,602	144,788	SH		SOLE	RitterDaniher	748	0	144,040
PNC FINL SVCS GROUP INC	COM	693475105	183,926	995	SH		SOLE	RitterDaniher	0	0	995
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	8,590	100	SH		SOLE	RitterDaniher	0	0	100
PROCTER AND GAMBLE CO	COM	742718109	11,816,686	68,226	SH		SOLE	RitterDaniher	0	0	68,226
PROLOGIS INC.	COM	74340W103	9,345	74	SH		SOLE	RitterDaniher	0	0	74
PRUDENTIAL FINL INC	COM	744320102	49,894	412	SH		SOLE	RitterDaniher	0	0	412
QUANTA SVCS INC	COM	74762E102	239,415	803	SH		SOLE	RitterDaniher	69	0	734
REGENERON PHARMACEUTICALS	COM	75886F107	40,999	39	SH		SOLE	RitterDaniher	0	0	39
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	2,244	200	SH		SOLE	RitterDaniher	0	0	200
ROYAL BK CDA	COM	780087102	12,473	100	SH		SOLE	RitterDaniher	0	0	100
ROYAL CARIBBEAN GROUP	COM	V7780T103	491,642	2,772	SH		SOLE	RitterDaniher	0	0	2,772
RTX CORPORATION	COM	75513E101	234,324	1,934	SH		SOLE	RitterDaniher	0	0	1,934
SALESFORCE INC	COM	79466L302	2,738	10	SH		SOLE	RitterDaniher	0	0	10
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	9,893	339	SH		SOLE	RitterDaniher	0	0	339
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	163,124	3,967	SH		SOLE	RitterDaniher	0	0	3,967
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	400	6	SH		SOLE	RitterDaniher	0	0	6
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	27,473	325	SH		SOLE	RitterDaniher	0	0	325
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	30,942	297	SH		SOLE	RitterDaniher	0	0	297
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	31,104	387	SH		SOLE	RitterDaniher	0	0	387
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	994,274	14,654	SH		SOLE	RitterDaniher	595	0	14,059
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	144,162	1,735	SH		SOLE	RitterDaniher	194	0	1,541
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	87,087	1,691	SH		SOLE	RitterDaniher	156	0	1,535
SELECT SECTOR SPDR TR	ENERGY	81369Y506	107,915	1,229	SH		SOLE	RitterDaniher	0	0	1,229
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	132,000	2,955	SH		SOLE	RitterDaniher	0	0	2,955
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	16,789	109	SH		SOLE	RitterDaniher	0	0	109
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	14,541	180	SH		SOLE	RitterDaniher	0	0	180
SEMPRA	COM	816851109	41,815	500	SH		SOLE	RitterDaniher	0	0	500
SERVICENOW INC	COM	81762P102	38,459	43	SH		SOLE	RitterDaniher	43	0	0
SMUCKER J M CO	COM NEW	832696405	44,202	365	SH		SOLE	RitterDaniher	0	0	365
SOLVENTUM CORP	COM SHS	83444M101	2,859	41	SH		SOLE	RitterDaniher	0	0	41
SOUTHERN CO	COM	842587107	31,563	350	SH		SOLE	RitterDaniher	0	0	350
SPDR GOLD TR	GOLD SHS	78463V107	544,212	2,239	SH		SOLE	RitterDaniher	635	0	1,604
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	1,278	34	SH		SOLE	RitterDaniher	0	0	34
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	991	24	SH		SOLE	RitterDaniher	0	0	24
SPDR S&P 500 ETF TR	TR UNIT	78462F103	636,874	1,110	SH		SOLE	RitterDaniher	0	0	1,110
SPDR SER TR	AEROSPACE DEF	78464A631	2,461	16	SH		SOLE	RitterDaniher	0	0	16
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	562	12	SH		SOLE	RitterDaniher	0	0	12
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,548	34	SH		SOLE	RitterDaniher	0	0	34
SPDR SER TR	PRTFLO S&P500 GW	78464A409	166	2	SH		SOLE	RitterDaniher	0	0	2
SPDR SER TR	PRTFLO S&P500 VL	78464A508	1,798	34	SH		SOLE	RitterDaniher	0	0	34
SPDR SER TR	S&P DIVID ETF	78464A763	5,540	39	SH		SOLE	RitterDaniher	0	0	39
STARBUCKS CORP	COM	855244109	65,416	671	SH		SOLE	RitterDaniher	0	0	671
SUPER MICRO COMPUTER INC	COM	86800U104	34,145	82	SH		SOLE	RitterDaniher	0	0	82
T ROWE PRICE ETF INC	PRICE GRW STOCK	87283Q305	8,012,251	212,715	SH		SOLE	RitterDaniher	2,290	0	210,425
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	191,906	1,105	SH		SOLE	RitterDaniher	0	0	1,105
TARGET CORP	COM	87612E106	35,069	225	SH		SOLE	RitterDaniher	0	0	225
TD SYNNEX CORPORATION	COM	87162W100	1,441	12	SH		SOLE	RitterDaniher	0	0	12
TESLA INC	COM	88160R101	766,838	2,931	SH		SOLE	RitterDaniher	0	0	2,931
TEXAS ROADHOUSE INC	COM	882681109	4,871	28	SH		SOLE	RitterDaniher	0	0	28
THE CIGNA GROUP	COM	125523100	19,055	55	SH		SOLE	RitterDaniher	0	0	55
THE TRADE DESK INC	COM CL A	88339J105	178,182	1,625	SH		SOLE	RitterDaniher	283	0	1,342
THERMO FISHER SCIENTIFIC INC	COM	883556102	68,662	111	SH		SOLE	RitterDaniher	0	0	111
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	1,098	100	SH		SOLE	RitterDaniher	0	0	100
TRACTOR SUPPLY CO	COM	892356106	47,713	164	SH		SOLE	RitterDaniher	0	0	164
UBER TECHNOLOGIES INC	COM	90353T100	169,411	2,254	SH		SOLE	RitterDaniher	560	0	1,694
UNION PAC CORP	COM	907818108	19,965	81	SH		SOLE	RitterDaniher	0	0	81
UNITED PARCEL SERVICE INC	CL B	911312106	13,634	100	SH		SOLE	RitterDaniher	0	0	100
UNITED RENTALS INC	COM	911363109	101,217	125	SH		SOLE	RitterDaniher	0	0	125
UNITEDHEALTH GROUP INC	COM	91324P102	434,427	743	SH		SOLE	RitterDaniher	0	0	743
US BANCORP DEL	COM NEW	902973304	188,408	4,120	SH		SOLE	RitterDaniher	0	0	4,120
VANECK MERK GOLD ETF	GOLD SHS	921078101	346,193	13,635	SH		SOLE	RitterDaniher	0	0	13,635
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	46,999	410	SH		SOLE	RitterDaniher	0	0	410
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	1,169,468	11,067	SH		SOLE	RitterDaniher	0	0	11,067
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	888,807	8,216	SH		SOLE	RitterDaniher	0	0	8,216
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	120,396	1,530	SH		SOLE	RitterDaniher	0	0	1,530
VANGUARD INDEX FDS	GROWTH ETF	922908736	86,776	226	SH		SOLE	RitterDaniher	0	0	226
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	96,628	367	SH		SOLE	RitterDaniher	0	0	367
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	67,685	278	SH		SOLE	RitterDaniher	0	0	278
VANGUARD INDEX FDS	MID CAP ETF	922908629	46,171	175	SH		SOLE	RitterDaniher	0	0	175
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,006,267	1,907	SH		SOLE	RitterDaniher	0	0	1,907
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	425,307	1,502	SH		SOLE	RitterDaniher	0	0	1,502
VANGUARD INDEX FDS	VALUE ETF	922908744	86,936	498	SH		SOLE	RitterDaniher	0	0	498
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	18,900	300	SH		SOLE	RitterDaniher	0	0	300
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,101	23	SH		SOLE	RitterDaniher	0	0	23
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	9,573	76	SH		SOLE	RitterDaniher	0	0	76
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	167,654	3,400	SH		SOLE	RitterDaniher	0	0	3,400
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	429,408	8,400	SH		SOLE	RitterDaniher	0	0	8,400
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	976,040	4,928	SH		SOLE	RitterDaniher	1,633	0	3,295
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	732,634	13,873	SH		SOLE	RitterDaniher	0	0	13,873
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	248,479	2,450	SH		SOLE	RitterDaniher	0	0	2,450
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	73,844	576	SH		SOLE	RitterDaniher	0	0	576
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	21,806	247	SH		SOLE	RitterDaniher	0	0	247
VERIZON COMMUNICATIONS INC	COM	92343V104	11,317	252	SH		SOLE	RitterDaniher	0	0	252
VERTEX PHARMACEUTICALS INC	COM	92532F100	151,617	326	SH		SOLE	RitterDaniher	0	0	326
VIATRIS INC	COM	92556V106	790	68	SH		SOLE	RitterDaniher	0	0	68
VISA INC	COM CL A	92826C839	72,587	264	SH		SOLE	RitterDaniher	0	0	264
WABTEC	COM	929740108	546	3	SH		SOLE	RitterDaniher	0	0	3
WALMART INC	COM	931142103	118,461	1,467	SH		SOLE	RitterDaniher	0	0	1,467
WARNER BROS DISCOVERY INC	COM SER A	934423104	990	120	SH		SOLE	RitterDaniher	0	0	120
WASTE MGMT INC DEL	COM	94106L109	12,456	60	SH		SOLE	RitterDaniher	0	0	60
WELLS FARGO CO NEW	COM	949746101	9,039	160	SH		SOLE	RitterDaniher	0	0	160
WESTERN DIGITAL CORP.	COM	958102105	34,145	500	SH		SOLE	RitterDaniher	0	0	500
WORTHINGTON ENTERPRISES INC	COM	981811102	44,386	1,071	SH		SOLE	RitterDaniher	0	0	1,071
WORTHINGTON STL INC	COM SHS	982104101	39,112	1,150	SH		SOLE	RitterDaniher	0	0	1,150
WP CAREY INC	COM	92936U109	18,254	293	SH		SOLE	RitterDaniher	0	0	293
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	24,181	224	SH		SOLE	RitterDaniher	0	0	224
ZIMVIE INC	COM	98888T107	350	22	SH		SOLE	RitterDaniher	0	0	22