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	21,559	167	SH		SOLE		0	0	167
ABBOTT LABS	COM	002824100	51,466	455	SH		SOLE		0	0	455
ABBVIE INC	COM	00287Y109	151,045	850	SH		SOLE		0	0	850
ACADIA PHARMACEUTICALS INC	COM	004225108	1,157	63	SH		SOLE		0	0	63
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	31,310	89	SH		SOLE		0	0	89
ADOBE INC	COM	00724F101	55,141	124	SH		SOLE		0	0	124
ADVANCED MICRO DEVICES INC	COM	007903107	22,709	188	SH		SOLE		179	0	9
ALCOA CORP	COM	013872106	27,693	733	SH		SOLE		0	0	733
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	19,757	233	SH		SOLE		0	0	233
ALPHABET INC	CAP STK CL A	02079K305	1,766,684	9,333	SH		SOLE		320	0	9,013
ALPHABET INC	CAP STK CL C	02079K107	849,744	4,462	SH		SOLE		0	0	4,462
AMAZON COM INC	COM	023135106	3,308,853	15,082	SH		SOLE		345	0	14,737
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	23,367,565	397,475	SH		SOLE		13,192	0	384,283
AMERICAN CENTY ETF TR	INTERNATIONAL LR	025072364	2,899,290	55,863	SH		SOLE		5,304	0	50,559
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	117,795	1,810	SH		SOLE		0	0	1,810
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	1,255	13	SH		SOLE		0	0	13
AMERICAN ELEC PWR CO INC	COM	025537101	47,591	516	SH		SOLE		0	0	516
AMERICAN EXPRESS CO	COM	025816109	78,353	264	SH		SOLE		0	0	264
AMERICAN FINL GROUP INC OHIO	COM	025932104	27,224	199	SH		SOLE		0	0	199
AMGEN INC	COM	031162100	33,271	128	SH		SOLE		0	0	128
AON PLC	SHS CL A	G0403H108	18,677	52	SH		SOLE		0	0	52
APPLE INC	COM	037833100	9,583,762	38,271	SH		SOLE		254	0	38,017
ARISTA NETWORKS INC	COM SHS	040413205	53,055	480	SH		SOLE		0	0	480
ARK ETF TR	GENOMIC REV ETF	00214Q302	1,201	51	SH		SOLE		0	0	51
ARK ETF TR	INNOVATION ETF	00214Q104	1,477	26	SH		SOLE		0	0	26
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	24,258	35	SH		SOLE		0	0	35
AT&T INC	COM	00206R102	30,467	1,338	SH		SOLE		0	0	1,338
AUTOMATIC DATA PROCESSING IN	COM	053015103	63,230	216	SH		SOLE		0	0	216
AXON ENTERPRISE INC	COM	05464C101	83,205	140	SH		SOLE		0	0	140
BABCOCK & WILCOX ENTERPRISES	COM	05614L209	1,640	1,000	SH		SOLE		0	0	1,000
BANK AMERICA CORP	COM	060505104	213,861	4,866	SH		SOLE		0	0	4,866
BITWISE BITCOIN ETF TR	SHS BEN INT	09174C104	1,017	20	SH		SOLE		0	0	20
BLACKROCK MUN TARGET TERM TR	COM SHS BEN IN	09257P105	98,070	4,763	SH		SOLE		0	0	4,763
BLACKSTONE INC	COM	09260D107	100,758	584	SH		SOLE		0	0	584
BOSTON BEER INC	CL A	100557107	2,400	8	SH		SOLE		0	0	8
BP PLC	SPONSORED ADR	055622104	232,372	7,861	SH		SOLE		0	0	7,861
BRISTOL-MYERS SQUIBB CO	COM	110122108	340,120	6,013	SH		SOLE		0	0	6,013
BROADCOM INC	COM	11135F101	512,135	2,209	SH		SOLE		270	0	1,939
CADENCE DESIGN SYSTEM INC	COM	127387108	19,530	65	SH		SOLE		65	0	0
CANADIAN IMPERIAL BK COMM	COM	136069101	12,646	200	SH		SOLE		0	0	200
CANADIAN NATL RY CO	COM	136375102	65,982	650	SH		SOLE		0	0	650
CARNIVAL CORP	UNIT 99/99/9999	143658300	6,878	276	SH		SOLE		0	0	276
CARRIER GLOBAL CORPORATION	COM	14448C104	25,939	380	SH		SOLE		0	0	380
CAVA GROUP INC	COM	148929102	169,200	1,500	SH		SOLE		0	0	1,500
CHEMOURS CO	COM	163851108	5,493	325	SH		SOLE		0	0	325
CHENIERE ENERGY INC	COM NEW	16411R208	59,949	279	SH		SOLE		0	0	279
CHEVRON CORP NEW	COM	166764100	437,707	3,022	SH		SOLE		0	0	3,022
CHEWY INC	CL A	16679L109	1,675	50	SH		SOLE		0	0	50
CHIPOTLE MEXICAN GRILL INC	COM	169656105	55,778	925	SH		SOLE		0	0	925
CINCINNATI FINL CORP	COM	172062101	61,791	430	SH		SOLE		0	0	430
CINTAS CORP	COM	172908105	3,140,248	17,188	SH		SOLE		0	0	17,188
CISCO SYS INC	COM	17275R102	41,440	700	SH		SOLE		0	0	700
CLOROX CO DEL	COM	189054109	16,241	100	SH		SOLE		0	0	100
COCA COLA CO	COM	191216100	327,239	5,256	SH		SOLE		0	0	5,256
COMCAST CORP NEW	CL A	20030N101	41,208	1,098	SH		SOLE		0	0	1,098
COMERICA INC	COM	200340107	68,778	1,112	SH		SOLE		0	0	1,112
CONCENTRIX CORP	COM	20602D101	520	12	SH		SOLE		0	0	12
CONOCOPHILLIPS	COM	20825C104	66,841	674	SH		SOLE		0	0	674
CONSOLIDATED EDISON INC	COM	209115104	22,308	250	SH		SOLE		0	0	250
COPART INC	COM	217204106	22,497	392	SH		SOLE		392	0	0
CORTEVA INC	COM	22052L104	41,524	729	SH		SOLE		0	0	729
COSTCO WHSL CORP NEW	COM	22160K105	1,357,042	1,481	SH		SOLE		40	0	1,441
CREDO TECHNOLOGY GROUP HOLDI	ORDINARY SHARES	G25457105	87,373	1,300	SH		SOLE		0	0	1,300
CSX CORP	COM	126408103	140,375	4,350	SH		SOLE		0	0	4,350
CUMMINS INC	COM	231021106	43,575	125	SH		SOLE		0	0	125
CVS HEALTH CORP	COM	126650100	4	0	SH		SOLE		0	0	0
DECKERS OUTDOOR CORP	COM	243537107	98,702	486	SH		SOLE		306	0	180
DEERE & CO	COM	244199105	49,573	117	SH		SOLE		0	0	117
DELTA AIR LINES INC DEL	COM NEW	247361702	9,834	163	SH		SOLE		0	0	163
DIMENSIONAL ETF TRUST	INTL SMALL CAP E	25434V773	3,929,464	160,027	SH		SOLE		1,000	0	159,027
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	46,310	832	SH		SOLE		0	0	832
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	61,529	2,475	SH		SOLE		0	0	2,475
DISNEY WALT CO	COM	254687106	49,754	447	SH		SOLE		0	0	447
DOW INC	COM	260557103	29,175	727	SH		SOLE		0	0	727
DRAFTKINGS INC NEW	COM CL A	26142V105	50,964	1,370	SH		SOLE		0	0	1,370
DT MIDSTREAM INC	COMMON STOCK	23345M107	3,381	34	SH		SOLE		0	0	34
DTE ENERGY CO	COM	233331107	8,424	70	SH		SOLE		0	0	70
DUKE ENERGY CORP NEW	COM NEW	26441C204	288,106	2,674	SH		SOLE		0	0	2,674
DUPONT DE NEMOURS INC	COM	26614N102	55,663	730	SH		SOLE		0	0	730
ELEVANCE HEALTH INC	COM	036752103	340,126	922	SH		SOLE		0	0	922
ELI LILLY & CO	COM	532457108	858,486	1,112	SH		SOLE		32	0	1,080
ENBRIDGE INC	COM	29250N105	52,996	1,249	SH		SOLE		0	0	1,249
ENTERGY CORP NEW	COM	29364G103	8,341	110	SH		SOLE		0	0	110
EVERGY INC	COM	30034W106	6,709	109	SH		SOLE		0	0	109
EXXON MOBIL CORP	COM	30231G102	695,118	6,462	SH		SOLE		0	0	6,462
FIDELITY COVINGTON TRUST	ENHANCED LARGE	316092113	93,752	2,847	SH		SOLE		0	0	2,847
FIFTH THIRD BANCORP	COM	316773100	460,937	10,902	SH		SOLE		0	0	10,902
FIRST BANCSHARES INC MISS	COM	318916103	7,070	202	SH		SOLE		0	0	202
FORD MTR CO	COM	345370860	3,247	328	SH		SOLE		0	0	328
GAMESTOP CORP NEW	CL A	36467W109	377	12	SH		SOLE		0	0	12
GARTNER INC	COM	366651107	102,224	211	SH		SOLE		0	0	211
GE AEROSPACE	COM NEW	369604301	55,777	334	SH		SOLE		0	0	334
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	4,459	57	SH		SOLE		0	0	57
GE VERNOVA INC	COM	36828A101	13,816	42	SH		SOLE		0	0	42
GENUINE PARTS CO	COM	372460105	12,727	109	SH		SOLE		0	0	109
GLADSTONE LD CORP	COM	376549101	11,545	1,064	SH		SOLE		0	0	1,064
GLOBAL X FDS	CLEAN WTR ETF	37954Y186	2,979	177	SH		SOLE		0	0	177
GLOBAL X FDS	FINTECH ETF	37954Y814	7,181	230	SH		SOLE		0	0	230
GLOBAL X FDS	GENOMIC BIOTECH	37954Y434	768	79	SH		SOLE		0	0	79
GLOBAL X FDS	GLOBAL X URANIUM	37954Y871	2,036	76	SH		SOLE		0	0	76
GLOBAL X FDS	LITHIUM BTRY ETF	37954Y855	9,665	237	SH		SOLE		0	0	237
GLOBAL X FDS	RENEWABLE ENERGY	37954Y707	1,268	146	SH		SOLE		0	0	146
GLOBAL X FDS	THMATC GWT ETF	37954Y418	1,291	55	SH		SOLE		0	0	55
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	40,480	1,896	SH		SOLE		0	0	1,896
HOME DEPOT INC	COM	437076102	291,354	749	SH		SOLE		0	0	749
HP INC	COM	40434L105	65,228	1,999	SH		SOLE		0	0	1,999
HUMANA INC	COM	444859102	22,834	90	SH		SOLE		0	0	90
HUNTINGTON BANCSHARES INC	COM	446150104	84,800	5,212	SH		SOLE		0	0	5,212
ICON PLC	SHS	G4705A100	103,807	495	SH		SOLE		0	0	495
ILLINOIS TOOL WKS INC	COM	452308109	56,291	222	SH		SOLE		0	0	222
INTEL CORP	COM	458140100	63,078	3,146	SH		SOLE		0	0	3,146
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	22,352	150	SH		SOLE		0	0	150
INTERNATIONAL BUSINESS MACHS	COM	459200101	237,902	1,082	SH		SOLE		0	0	1,082
INTUIT	COM	461202103	1,257	2	SH		SOLE		0	0	2
INTUITIVE SURGICAL INC	COM NEW	46120E602	199,389	382	SH		SOLE		0	0	382
INVESCO DB COMMDY INDX TRCK	UNIT	46138B103	4,276	200	SH		SOLE		0	0	200
INVESCO EXCHANGE TRADED FD T	AEROSPACE DEFN	46137V100	9,884	86	SH		SOLE		0	0	86
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	8,593	213	SH		SOLE		0	0	213
INVESCO EXCHANGE TRADED FD T	PHARMACEUTICALS	46137V662	20,656	250	SH		SOLE		0	0	250
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	17,138	98	SH		SOLE		0	0	98
INVESCO EXCHANGE TRADED FD T	WATER RES ETF	46137V142	290,200	4,411	SH		SOLE		2,661	0	1,750
INVESCO QQQ TR	UNIT SER 1	46090E103	74,582	146	SH		SOLE		0	0	146
ISHARES BITCOIN TRUST ETF	SHS BEN INT	46438F101	2,122	40	SH		SOLE		0	0	40
ISHARES INC	CORE MSCI EMKT	46434G103	105	2	SH		SOLE		0	0	2
ISHARES INC	MSCI AUST ETF	464286103	7,158	300	SH		SOLE		0	0	300
ISHARES TR	1 3 YR TREAS BD	464287457	49,188	600	SH		SOLE		0	0	600
ISHARES TR	CORE DIV GRWTH	46434V621	34,539,868	563,089	SH		SOLE		23,709	0	539,380
ISHARES TR	CORE MSCI EAFE	46432F842	26,722,751	380,233	SH		SOLE		11,996	0	368,237
ISHARES TR	CORE S&P MCP ETF	464287507	29,230,049	469,107	SH		SOLE		10,897	0	458,210
ISHARES TR	CORE S&P SCP ETF	464287804	19,407,479	168,438	SH		SOLE		5,577	0	162,861
ISHARES TR	CORE S&P TTL STK	464287150	324,206	2,521	SH		SOLE		0	0	2,521
ISHARES TR	CORE S&P500 ETF	464287200	79,458,955	134,978	SH		SOLE		4,093	0	130,885
ISHARES TR	CORE US AGGBD ET	464287226	125,001	1,290	SH		SOLE		0	0	1,290
ISHARES TR	EAFE GRWTH ETF	464288885	872,826	9,014	SH		SOLE		268	0	8,746
ISHARES TR	EAFE VALUE ETF	464288877	363,250	6,923	SH		SOLE		0	0	6,923
ISHARES TR	EXPANDED TECH	464287515	11,014	110	SH		SOLE		0	0	110
ISHARES TR	EXPONENTIAL TECH	46434V381	7,458	125	SH		SOLE		0	0	125
ISHARES TR	ISHARES SEMICDTR	464287523	3,879	18	SH		SOLE		0	0	18
ISHARES TR	ISHS 1-5YR INVS	464288646	25,850	500	SH		SOLE		0	0	500
ISHARES TR	MRGSTR SM CP GR	464288604	163,861	3,313	SH		SOLE		0	0	3,313
ISHARES TR	MSCI ACWI ETF	464288257	140,413	1,195	SH		SOLE		0	0	1,195
ISHARES TR	MSCI EAFE ETF	464287465	846,228	11,192	SH		SOLE		570	0	10,622
ISHARES TR	MSCI EMG MKT ETF	464287234	145,116	3,470	SH		SOLE		0	0	3,470
ISHARES TR	MSCI KLD400 SOC	464288570	330,750	3,000	SH		SOLE		0	0	3,000
ISHARES TR	MSCI USA MIN VOL	46429B697	16,338	184	SH		SOLE		0	0	184
ISHARES TR	RUS 1000 ETF	464287622	176,222	547	SH		SOLE		0	0	547
ISHARES TR	RUS 1000 GRW ETF	464287614	214,846	535	SH		SOLE		0	0	535
ISHARES TR	RUS 1000 VAL ETF	464287598	341,010	1,842	SH		SOLE		0	0	1,842
ISHARES TR	RUS MD CP GR ETF	464287481	1,702,117	13,429	SH		SOLE		0	0	13,429
ISHARES TR	RUS MDCP VAL ETF	464287473	257,128	1,988	SH		SOLE		0	0	1,988
ISHARES TR	RUS MID CAP ETF	464287499	1,175,544	13,298	SH		SOLE		1,950	0	11,348
ISHARES TR	RUSSELL 2000 ETF	464287655	758,777	3,434	SH		SOLE		550	0	2,884
ISHARES TR	RUSSELL 3000 ETF	464287689	145,399	435	SH		SOLE		0	0	435
ISHARES TR	S&P 100 ETF	464287101	251,589	871	SH		SOLE		0	0	871
ISHARES TR	S&P 500 GRWT ETF	464287309	1,186,175	11,683	SH		SOLE		1,018	0	10,665
ISHARES TR	S&P 500 VAL ETF	464287408	593,446	3,109	SH		SOLE		0	0	3,109
ISHARES TR	S&P MC 400GR ETF	464287606	1,793,413	19,723	SH		SOLE		3,812	0	15,911
ISHARES TR	S&P MC 400VL ETF	464287705	1,614,984	12,924	SH		SOLE		526	0	12,398
ISHARES TR	S&P SML 600 GWT	464287887	1,338,444	9,887	SH		SOLE		1,158	0	8,729
ISHARES TR	SELECT DIVID ETF	464287168	426,824	3,251	SH		SOLE		0	0	3,251
ISHARES TR	SP SMCP600VL ETF	464287879	1,034,185	9,522	SH		SOLE		322	0	9,200
ISHARES TR	U.S. ENERGY ETF	464287796	47,849	1,050	SH		SOLE		0	0	1,050
ISHARES TR	US AER DEF ETF	464288760	14,535	100	SH		SOLE		0	0	100
ISHARES TR	US CONSUM DISCRE	464287580	18,267	190	SH		SOLE		0	0	190
ISHARES TR	US HLTHCARE ETF	464287762	23,308	400	SH		SOLE		0	0	400
ISHARES TR	US TELECOM ETF	464287713	457	17	SH		SOLE		0	0	17
J P MORGAN EXCHANGE TRADED F	ACTIVE VALUE ETF	46641Q167	7,375,083	116,510	SH		SOLE		6,091	0	110,419
J P MORGAN EXCHANGE TRADED F	DIV RTN INT EQ	46641Q209	1,822	34	SH		SOLE		0	0	34
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	8,502,516	147,788	SH		SOLE		416	0	147,372
J P MORGAN EXCHANGE TRADED F	U S TECH LEADERS	46654Q732	6,357	84	SH		SOLE		0	0	84
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	756	15	SH		SOLE		0	0	15
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	417,597	8,235	SH		SOLE		0	0	8,235
JOBY AVIATION INC	COMMON STOCK	G65163100	15,651	1,925	SH		SOLE		0	0	1,925
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	250,807	4,199	SH		SOLE		0	0	4,199
JOHNSON & JOHNSON	COM	478160104	124,808	863	SH		SOLE		0	0	863
JPMORGAN CHASE & CO.	COM	46625H100	4,627,252	19,304	SH		SOLE		0	0	19,304
KEURIG DR PEPPER INC	COM	49271V100	6,424	200	SH		SOLE		0	0	200
KROGER CO	COM	501044101	310,704	5,081	SH		SOLE		0	0	5,081
LAMB WESTON HLDGS INC	COM	513272104	2,741	41	SH		SOLE		0	0	41
LCNB CORP	COM	50181P100	8,460,076	559,159	SH		SOLE		0	0	559,159
LEIDOS HOLDINGS INC	COM	525327102	68,573	476	SH		SOLE		0	0	476
LINCOLN ELEC HLDGS INC	COM	533900106	524,916	2,800	SH		SOLE		0	0	2,800
LOWES COS INC	COM	548661107	55,037	223	SH		SOLE		0	0	223
LULULEMON ATHLETICA INC	COM	550021109	102,869	269	SH		SOLE		0	0	269
MARATHON PETE CORP	COM	56585A102	698	5	SH		SOLE		0	0	5
MARSH & MCLENNAN COS INC	COM	571748102	9,559	45	SH		SOLE		0	0	45
MARVELL TECHNOLOGY INC	COM	573874104	6,491	59	SH		SOLE		0	0	59
MASTERCARD INCORPORATED	CL A	57636Q104	117,952	224	SH		SOLE		0	0	224
MCDONALDS CORP	COM	580135101	62,617	216	SH		SOLE		0	0	216
MCKESSON CORP	COM	58155Q103	82,637	145	SH		SOLE		0	0	145
MEDTRONIC PLC	SHS	G5960L103	12,222	153	SH		SOLE		0	0	153
MERCK & CO INC	COM	58933Y105	47,452	477	SH		SOLE		0	0	477
META PLATFORMS INC	CL A	30303M102	275,190	470	SH		SOLE		97	0	373
MICRON TECHNOLOGY INC	COM	595112103	6,312	75	SH		SOLE		0	0	75
MICROSOFT CORP	COM	594918104	2,746,509	6,516	SH		SOLE		165	0	6,351
MODERNA INC	COM	60770K107	1	0	SH		SOLE		0	0	0
MONDELEZ INTL INC	CL A	609207105	22,519	377	SH		SOLE		0	0	377
MORGAN STANLEY	COM NEW	617446448	15,715	125	SH		SOLE		0	0	125
NET LEASE OFFICE PROPERTIES	COM	64110Y108	562	18	SH		SOLE		0	0	18
NETFLIX INC	COM	64110L106	159,560	179	SH		SOLE		0	0	179
NEXTERA ENERGY INC	COM	65339F101	911,401	12,713	SH		SOLE		0	0	12,713
NIKE INC	CL B	654106103	38,819	513	SH		SOLE		0	0	513
NORFOLK SOUTHN CORP	COM	655844108	281,640	1,200	SH		SOLE		0	0	1,200
NOVO-NORDISK A S	ADR	670100205	30,107	350	SH		SOLE		0	0	350
NU HLDGS LTD	ORD SHS CL A	G6683N103	2,072	200	SH		SOLE		0	0	200
NUCOR CORP	COM	670346105	46,684	400	SH		SOLE		0	0	400
NVIDIA CORPORATION	COM	67066G104	413,911	3,082	SH		SOLE		0	0	3,082
OLD REP INTL CORP	COM	680223104	27,143	750	SH		SOLE		0	0	750
ON SEMICONDUCTOR CORP	COM	682189105	46,721	741	SH		SOLE		0	0	741
ORACLE CORP	COM	68389X105	38,994	234	SH		SOLE		182	0	52
OREILLY AUTOMOTIVE INC	COM	67103H107	93,679	79	SH		SOLE		0	0	79
PALANTIR TECHNOLOGIES INC	CL A	69608A108	80,925	1,070	SH		SOLE		0	0	1,070
PAYPAL HLDGS INC	COM	70450Y103	854	10	SH		SOLE		0	0	10
PEPSICO INC	COM	713448108	313,852	2,064	SH		SOLE		0	0	2,064
PFIZER INC	COM	717081103	411,720	15,519	SH		SOLE		0	0	15,519
PIMCO ETF TR	MULTISECTOR BD	72201R585	11,029,012	425,502	SH		SOLE		1,348	0	424,154
PNC FINL SVCS GROUP INC	COM	693475105	191,886	995	SH		SOLE		0	0	995
PRICE T ROWE GROUP INC	COM	74144T108	14,137	125	SH		SOLE		0	0	125
PRINCIPAL FINANCIAL GROUP IN	COM	74251V102	7,741	100	SH		SOLE		0	0	100
PROCTER AND GAMBLE CO	COM	742718109	12,234,800	72,978	SH		SOLE		0	0	72,978
PROLOGIS INC.	COM	74340W103	7,822	74	SH		SOLE		0	0	74
PRUDENTIAL FINL INC	COM	744320102	48,835	412	SH		SOLE		0	0	412
QUANTA SVCS INC	COM	74762E102	215,231	681	SH		SOLE		69	0	612
REGENERON PHARMACEUTICALS	COM	75886F107	24,932	35	SH		SOLE		0	0	35
RIVIAN AUTOMOTIVE INC	COM CL A	76954A103	15,615	1,174	SH		SOLE		0	0	1,174
ROYAL CARIBBEAN GROUP	COM	V7780T103	535,663	2,322	SH		SOLE		0	0	2,322
RTX CORPORATION	COM	75513E101	245,211	2,119	SH		SOLE		0	0	2,119
SALESFORCE INC	COM	79466L302	3,009	9	SH		SOLE		0	0	9
SCHWAB STRATEGIC TR	EMRG MKTEQ ETF	808524706	9,028	339	SH		SOLE		0	0	339
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	146,795	7,935	SH		SOLE		0	0	7,935
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,907	84	SH		SOLE		0	0	84
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	26,637	975	SH		SOLE		0	0	975
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	33,110	1,188	SH		SOLE		0	0	1,188
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	30,268	1,161	SH		SOLE		0	0	1,161
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,019,364	43,976	SH		SOLE		1,785	0	42,191
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	144,231	5,205	SH		SOLE		582	0	4,623
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	85,338	3,300	SH		SOLE		312	0	2,988
SELECT SECTOR SPDR TR	ENERGY	81369Y506	106,156	1,239	SH		SOLE		0	0	1,239
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	14,996	109	SH		SOLE		0	0	109
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	13,625	180	SH		SOLE		0	0	180
SEMPRA	COM	816851109	43,860	500	SH		SOLE		0	0	500
SERVICENOW INC	COM	81762P102	45,586	43	SH		SOLE		43	0	0
SMUCKER J M CO	COM NEW	832696405	40,194	365	SH		SOLE		0	0	365
SOLVENTUM CORP	COM SHS	83444M101	1,454	22	SH		SOLE		0	0	22
SOUTHERN CO	COM	842587107	28,812	350	SH		SOLE		0	0	350
SPDR GOLD TR	GOLD SHS	78463V107	540,435	2,232	SH		SOLE		635	0	1,597
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	1,161	34	SH		SOLE		0	0	34
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	921	24	SH		SOLE		0	0	24
SPDR S&P 500 ETF TR	TR UNIT	78462F103	635,913	1,085	SH		SOLE		0	0	1,085
SPDR SER TR	AEROSPACE DEF	78464A631	2,594	16	SH		SOLE		0	0	16
SPDR SER TR	NUVEEN BLMBRG MU	78468R721	548	12	SH		SOLE		0	0	12
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,528	34	SH		SOLE		0	0	34
SPDR SER TR	PRTFLO S&P500 GW	78464A409	176	2	SH		SOLE		0	0	2
SPDR SER TR	PRTFLO S&P500 VL	78464A508	1,739	34	SH		SOLE		0	0	34
SPDR SER TR	S&P DIVID ETF	78464A763	5,152	39	SH		SOLE		0	0	39
STARBUCKS CORP	COM	855244109	61,229	671	SH		SOLE		0	0	671
T ROWE PRICE ETF INC	PRICE GRW STOCK	87283Q305	3,717,853	93,423	SH		SOLE		2,290	0	91,133
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	218,227	1,105	SH		SOLE		0	0	1,105
TARGET CORP	COM	87612E106	50,693	375	SH		SOLE		0	0	375
TD SYNNEX CORPORATION	COM	87162W100	1,408	12	SH		SOLE		0	0	12
TESLA INC	COM	88160R101	1,125,099	2,786	SH		SOLE		0	0	2,786
TEXAS ROADHOUSE INC	COM	882681109	4,993	28	SH		SOLE		0	0	28
THE CIGNA GROUP	COM	125523100	15,188	55	SH		SOLE		0	0	55
THE TRADE DESK INC	COM CL A	88339J105	176,883	1,505	SH		SOLE		283	0	1,222
THERMO FISHER SCIENTIFIC INC	COM	883556102	78,035	150	SH		SOLE		0	0	150
TOPGOLF CALLAWAY BRANDS CORP	COM	131193104	786	100	SH		SOLE		0	0	100
TRACTOR SUPPLY CO	COM	892356106	39,265	740	SH		SOLE		0	0	740
UBER TECHNOLOGIES INC	COM	90353T100	135,901	2,253	SH		SOLE		560	0	1,693
UNION PAC CORP	COM	907818108	18,472	81	SH		SOLE		0	0	81
UNITED PARCEL SERVICE INC	CL B	911312106	6,305	50	SH		SOLE		0	0	50
UNITED RENTALS INC	COM	911363109	88,055	125	SH		SOLE		0	0	125
UNITEDHEALTH GROUP INC	COM	91324P102	372,321	736	SH		SOLE		0	0	736
US BANCORP DEL	COM NEW	902973304	199,452	4,170	SH		SOLE		0	0	4,170
VANECK MERK GOLD ETF	GOLD SHS	921078101	344,966	13,635	SH		SOLE		0	0	13,635
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	46,203	410	SH		SOLE		0	0	410
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	1,164,615	11,039	SH		SOLE		0	0	11,039
VANGUARD ADMIRAL FDS INC	SMLLCP 600 IDX	921932828	871,225	8,216	SH		SOLE		0	0	8,216
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	118,224	1,530	SH		SOLE		0	0	1,530
VANGUARD INDEX FDS	GROWTH ETF	922908736	92,775	226	SH		SOLE		0	0	226
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	98,980	367	SH		SOLE		0	0	367
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	70,543	278	SH		SOLE		0	0	278
VANGUARD INDEX FDS	MID CAP ETF	922908629	91,125	345	SH		SOLE		0	0	345
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	973,630	1,807	SH		SOLE		0	0	1,807
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	425,152	1,467	SH		SOLE		0	0	1,467
VANGUARD INDEX FDS	VALUE ETF	922908744	84,312	498	SH		SOLE		0	0	498
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	146,396	2,550	SH		SOLE		0	0	2,550
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,013	23	SH		SOLE		0	0	23
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	12,135	106	SH		SOLE		0	0	106
VANGUARD MALVERN FDS	STRM INFPROIDX	922020805	164,628	3,400	SH		SOLE		0	0	3,400
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	421,092	8,400	SH		SOLE		0	0	8,400
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	920,597	4,701	SH		SOLE		1,633	0	3,068
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	652,026	13,635	SH		SOLE		0	0	13,635
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	245,613	2,450	SH		SOLE		0	0	2,450
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	73,492	576	SH		SOLE		0	0	576
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	19,758	247	SH		SOLE		0	0	247
VANGUARD WORLD FD	UTILITIES ETF	92204A876	28,599	175	SH		SOLE		0	0	175
VERIZON COMMUNICATIONS INC	COM	92343V104	10,241	256	SH		SOLE		0	0	256
VERTEX PHARMACEUTICALS INC	COM	92532F100	119,602	297	SH		SOLE		0	0	297
VIATRIS INC	COM	92556V106	847	68	SH		SOLE		0	0	68
VISA INC	COM CL A	92826C839	146,643	464	SH		SOLE		0	0	464
WABTEC	COM	929740108	569	3	SH		SOLE		0	0	3
WALMART INC	COM	931142103	132,544	1,467	SH		SOLE		0	0	1,467
WARNER BROS DISCOVERY INC	COM SER A	934423104	1,269	120	SH		SOLE		0	0	120
WASTE MGMT INC DEL	COM	94106L109	12,108	60	SH		SOLE		0	0	60
WELLS FARGO CO NEW	COM	949746101	10,115	144	SH		SOLE		0	0	144
WESTERN DIGITAL CORP	COM	958102105	29,815	500	SH		SOLE		0	0	500
WISDOMTREE TR	US QUALITY GROW	97717Y477	9,988,500	202,771	SH		SOLE		2,026	0	200,745
WORTHINGTON ENTERPRISES INC	COM	981811102	42,951	1,071	SH		SOLE		0	0	1,071
WORTHINGTON STL INC	COM SHS	982104101	36,593	1,150	SH		SOLE		0	0	1,150
WP CAREY INC	COM	92936U109	15,963	293	SH		SOLE		0	0	293
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	23,662	224	SH		SOLE		0	0	224
ZIMVIE INC	COM	98888T107	307	22	SH		SOLE		0	0	22