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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   985,860 5,121 SH   SOLE   5,121 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   785,009 2,201 SH   SOLE   1,653 0 548
CISCO SYS INC COM 17275R102   215,764 4,271 SH   SOLE   4,271 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   11,276,279 451,774 SH   SOLE   446,274 0 5,500
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   2,185,655 96,115 SH   SOLE   92,125 0 3,990
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   3,330,312 89,476 SH   SOLE   89,476 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   849,839 14,254 SH   SOLE   14,254 0 0
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583   33,775,626 634,134 SH   SOLE   622,947 0 11,187
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   7,901,297 304,130 SH   SOLE   300,569 0 3,561
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,873,820 54,535 SH   SOLE   54,535 0 0
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   261,064 8,255 SH   SOLE   8,255 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   19,507,116 764,086 SH   SOLE   745,063 0 19,023
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   275,969 5,317 SH   SOLE   5,317 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,577,985 49,264 SH   SOLE   49,264 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   14,455,343 496,406 SH   SOLE   484,739 0 11,667
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   10,614,691 392,410 SH   SOLE   386,071 0 6,339
ISHARES TR RUS 1000 GRW ETF 464287614   528,122 1,742 SH   SOLE   1,742 0 0
ISHARES TR MICRO-CAP ETF 464288869   233,220 2,010 SH   SOLE   2,010 0 0
ISHARES TR CORE S&P MCP ETF 464287507   327,037 1,180 SH   SOLE   1,180 0 0
ISHARES TR IBOXX INV CP ETF 464287242   276,650 2,500 SH   SOLE   2,500 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   393,956 2,384 SH   SOLE   2,384 0 0
ISHARES TR CORE S&P500 ETF 464287200   922,781 1,932 SH   SOLE   1,932 0 0
JOHNSON & JOHNSON COM 478160104   296,853 1,894 SH   SOLE   1,894 0 0
MCDONALDS CORP COM 580135101   1,177,383 3,971 SH   SOLE   3,971 0 0
MICROSOFT CORP COM 594918104   796,211 2,117 SH   SOLE   2,117 0 0
NEW GOLD INC CDA COM 644535106   33,292 22,803 SH   SOLE   22,803 0 0
ORACLE CORP COM 68389X105   239,564 2,272 SH   SOLE   2,272 0 0
PROCTER AND GAMBLE CO COM 742718109   499,342 3,408 SH   SOLE   3,408 0 0
REALTY INCOME CORP COM 756109104   206,283 3,593 SH   SOLE   3,593 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   335,876 7,110 SH   SOLE   6,964 0 146
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   648,085 26,143 SH   SOLE   25,896 0 247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   999,103 27,032 SH   SOLE   27,032 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   912,975 11,005 SH   SOLE   10,930 0 75
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,423,661 20,309 SH   SOLE   20,213 0 96
SMUCKER J M CO COM NEW 832696405   237,156 1,877 SH   SOLE   1,877 0 0
SOUTHERN CO COM 842587107   341,645 4,872 SH   SOLE   4,872 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201   261,427 3,126 SH   SOLE   2,951 0 175
SPDR SER TR S&P 600 SMCP VAL 78464A300   729,129 8,752 SH   SOLE   8,752 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   712,071 14,900 SH   SOLE   14,900 0 0
STOCK YDS BANCORP INC COM 861025104   825,489 16,032 SH   SOLE   16,032 0 0
SUMMIT FINL GROUP INC COM 86606G101   329,691 10,743 SH   SOLE   10,743 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   49,635,562 644,450 SH   SOLE   630,890 0 13,560
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,890,828 38,303 SH   SOLE   28,314 0 9,989
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   295,714 677 SH   SOLE   677 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   25,107,724 103,850 SH   SOLE   103,012 0 838
VANGUARD INDEX FDS GROWTH ETF 922908736   54,455,934 175,167 SH   SOLE   172,435 0 2,732
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,170,165 6,502 SH   SOLE   6,502 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   581,156 8,397 SH   SOLE   7,441 0 956
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   864,451 18,047 SH   SOLE   18,047 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   293,046 7,773 SH   SOLE   7,773 0 0