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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   298,510 2,712 SH   SOLE   0 0 2,712
ABBVIE INC COM 00287Y109   610,777 3,943 SH   SOLE   0 0 3,943
ADVANCED MICRO DEVICES INC COM 007903107   324,597 2,202 SH   SOLE   0 0 2,202
AGENUS INC COM NEW 00847G705   753,608 910,265 SH   SOLE   0 0 910,265
ALPHABET INC CAP STK CL C 02079K107   794,141 5,635 SH   SOLE   0 0 5,635
ALPHABET INC CAP STK CL A 02079K305   580,552 4,156 SH   SOLE   0 0 4,156
AMAZON COM INC COM 023135106   680,539 4,479 SH   SOLE   0 0 4,479
APPLE INC COM 037833100   3,601,247 18,685 SH   SOLE   0 0 18,685
AUTOMATIC DATA PROCESSING IN COM 053015103   498,323 2,139 SH   SOLE   0 0 2,139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,139,627 3,194 SH   SOLE   0 0 3,194
BLACKROCK INC COM 09247X101   210,256 259 SH   SOLE   0 0 259
CHURCHILL DOWNS INC COM 171484108   1,132,872 8,396 SH   SOLE   0 0 8,396
CISCO SYS INC COM 17275R102   324,490 6,425 SH   SOLE   0 0 6,425
COLGATE PALMOLIVE CO COM 194162103   471,724 5,918 SH   SOLE   0 0 5,918
COSTCO WHSL CORP NEW COM 22160K105   1,019,824 1,545 SH   SOLE   0 0 1,545
CVS HEALTH CORP COM 126650100   215,571 2,730 SH   SOLE   0 0 2,730
DISNEY WALT CO COM 254687106   239,152 2,647 SH   SOLE   0 0 2,647
ELI LILLY & CO COM 532457108   491,402 843 SH   SOLE   0 0 843
EXXON MOBIL CORP COM 30231G102   293,749 2,938 SH   SOLE   0 0 2,938
HOME DEPOT INC COM 437076102   1,241,096 3,579 SH   SOLE   0 0 3,579
HONEYWELL INTL INC COM 438516106   697,286 3,325 SH   SOLE   0 0 3,325
ISHARES INC CORE MSCI EMKT 46434G103   2,706,901 53,522 SH   SOLE   0 0 53,522
ISHARES INC MSCI EMRG CHN 46434G764   7,277,439 131,338 SH   SOLE   0 0 131,338
ISHARES TR S&P 100 ETF 464287101   9,101,132 40,741 SH   SOLE   0 0 40,741
ISHARES TR CORE S&P500 ETF 464287200   66,786,063 139,817 SH   SOLE   0 0 139,817
ISHARES TR GLOBAL TECH ETF 464287291   4,890,377 71,725 SH   SOLE   0 0 71,725
ISHARES TR S&P 500 GRWT ETF 464287309   99,583 1,326 SH   SOLE   0 0 1,326
ISHARES TR GLOBAL ENERG ETF 464287341   2,612,939 66,810 SH   SOLE   0 0 66,810
ISHARES TR 20 YR TR BD ETF 464287432   3,064,786 30,995 SH   SOLE   0 0 30,995
ISHARES TR RUS MID CAP ETF 464287499   2,254 29 SH   SOLE   0 0 29
ISHARES TR CORE S&P MCP ETF 464287507   3,049 11 SH   SOLE   0 0 11
ISHARES TR RUS 1000 GRW ETF 464287614   547,525 1,806 SH   SOLE   0 0 1,806
ISHARES TR RUS 2000 GRW ETF 464287648   52,714 209 SH   SOLE   0 0 209
ISHARES TR RUSSELL 2000 ETF 464287655   61,217 305 SH   SOLE   0 0 305
ISHARES TR CORE S&P US GWT 464287671   26,620,686 255,708 SH   SOLE   0 0 255,708
ISHARES TR U.S. TECH ETF 464287721   4,078,029 33,220 SH   SOLE   0 0 33,220
ISHARES TR CORE S&P SCP ETF 464287804   264,856 2,444 SH   SOLE   0 0 2,444
ISHARES TR JPMORGAN USD EMG 464288281   1,252,095 14,059 SH   SOLE   0 0 14,059
ISHARES TR NATIONAL MUN ETF 464288414   20,835,607 192,187 SH   SOLE   0 0 192,187
ISHARES TR EAFE VALUE ETF 464288877   16,536,789 317,413 SH   SOLE   0 0 317,413
ISHARES TR EAFE GRWTH ETF 464288885   19,189,673 198,140 SH   SOLE   0 0 198,140
ISHARES TR MSCI USA MIN VOL 46429B697   5,565,841 71,336 SH   SOLE   0 0 71,336
ISHARES TR MSCI USA QLT FCT 46432F339   21,954,581 149,197 SH   SOLE   0 0 149,197
ISHARES TR MSCI USA VALUE 46432F388   28,628 283 SH   SOLE   0 0 283
ISHARES TR CORE MSCI EAFE 46432F842   1,612,352 22,919 SH   SOLE   0 0 22,919
ISHARES TR ESG AWARE MSCI 46435U663   3,725 98 SH   SOLE   0 0 98
ISHARES TR US INFRASTRUC 46435U713   1,076,565 26,731 SH   SOLE   0 0 26,731
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,475,586 109,010 SH   SOLE   0 0 109,010
JOHNSON & JOHNSON COM 478160104   776,309 4,954 SH   SOLE   0 0 4,954
JPMORGAN CHASE & CO COM 46625H100   786,008 4,619 SH   SOLE   0 0 4,619
MASTERCARD INCORPORATED CL A 57636Q104   453,807 1,064 SH   SOLE   0 0 1,064
MERCK & CO INC COM 58933Y105   339,217 3,112 SH   SOLE   0 0 3,112
META PLATFORMS INC CL A 30303M102   324,935 918 SH   SOLE   0 0 918
MICROSOFT CORP COM 594918104   3,664,416 9,749 SH   SOLE   0 0 9,749
NVIDIA CORPORATION COM 67066G104   437,774 884 SH   SOLE   0 0 884
PEPSICO INC COM 713448108   317,473 1,869 SH   SOLE   0 0 1,869
PFIZER INC COM 717081103   262,766 9,127 SH   SOLE   0 0 9,127
PNC FINL SVCS GROUP INC COM 693475105   1,064,594 6,875 SH   SOLE   0 0 6,875
PROCTER AND GAMBLE CO COM 742718109   791,580 5,407 SH   SOLE   0 0 5,407
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   50,276 369 SH   SOLE   0 0 369
SELECT SECTOR SPDR TR ENERGY 81369Y506   33,284 397 SH   SOLE   0 0 397
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   193,250 1,004 SH   SOLE   0 0 1,004
SHERWIN WILLIAMS CO COM 824348106   906,381 2,906 SH   SOLE   0 0 2,906
SPDR SER TR PORTFOLIO SH TSR 78468R101   287,363 9,892 SH   SOLE   0 0 9,892
STOCK YDS BANCORP INC COM 861025104   1,084,843 21,069 SH   SOLE   0 0 21,069
UNION PAC CORP COM 907818108   608,084 2,475 SH   SOLE   0 0 2,475
VANGUARD INDEX FDS SML CP GRW ETF 922908595   54,882 227 SH   SOLE   0 0 227
VANGUARD INDEX FDS SM CP VAL ETF 922908611   37,794 210 SH   SOLE   0 0 210
VANGUARD INDEX FDS TOTAL STK MKT 922908769   636,461 2,683 SH   SOLE   0 0 2,683
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   313,887 3,051 SH   SOLE   0 0 3,051
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   43,040 1,050 SH   SOLE   0 0 1,050
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   137 1 SH   SOLE   0 0 1
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   260,355 4,389 SH   SOLE   0 0 4,389
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   420,558 6,835 SH   SOLE   0 0 6,835
WATERS CORP COM 941848103   228,156 693 SH   SOLE   0 0 693