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
Estimated average burden
hours per response: 23.8
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
AERPIO PHARMACEUTICALS INC COM 00810B105 13 10,219 SH   SOLE   0 0 10,219
AIR TRANSPORT SERVICES GRP I COM 00922R105 482 16,465 SH   SOLE   0 0 16,465
ALTRIA GROUP INC COM 02209S103 225 4,400 SH   SOLE   0 0 4,400
AMAZON COM INC COM 023135106 1,198 387 SH   SOLE   0 0 387
AMERICAN CENTY ETF TR US ML CP VALU 025072877 3,447 47,739 SH   SOLE   47,739 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 120 14,000 SH   SOLE   0 0 14,000
APPLE INC COM 037833100 5,793 47,427 SH   SOLE   0 0 47,427
AT&T INC COM 00206R102 241 7,971 SH   SOLE   0 0 7,971
AUTOZONE INC COM 053332102 421 300 SH   SOLE   0 0 300
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 2,639 40,164 SH   SOLE   40,164 0 0
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 1,104 17,744 SH   SOLE   17,744 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,314 6 SH   SOLE   0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,572 6,155 SH   SOLE   0 0 6,155
CINCINNATI FINL CORP COM 172062101 10,950 106,216 SH   SOLE   0 0 106,216
CINTAS CORP COM 172908105 366 1,071 SH   SOLE   0 0 1,071
COMCAST CORP NEW CL A 20030N101 831 15,358 SH   SOLE   0 0 15,358
COSTCO WHSL CORP NEW COM 22160K105 259 734 SH   SOLE   0 0 734
CVS HEALTH CORP COM 126650100 3,335 44,326 SH   SOLE   0 0 44,326
FACEBOOK INC CL A 30303M102 3,963 13,454 SH   SOLE   0 0 13,454
FIRST FINL BANCORP OH COM 320209109 218 9,099 SH   SOLE   0 0 9,099
FRANKLIN STR PPTYS CORP COM 35471R106 410 75,218 SH   SOLE   0 0 75,218
GENERAL ELECTRIC COM 369604103 592 45,068 SH   SOLE   0 0 45,068
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 401 5,062 SH   SOLE   5,062 0 0
ALPHABET INC CAP STK CL C 02079K107 238 115 SH   SOLE   0 0 115
ALPHABET INC CAP STK CL A 02079K305 390 189 SH   SOLE   0 0 189
HOME DEPOT INC COM 437076102 574 1,880 SH   SOLE   0 0 1,880
INTEL CORP COM 458140100 561 8,766 SH   SOLE   0 0 8,766
INTERNATIONAL BUSINESS MACHS COM 459200101 238 1,787 SH   SOLE   0 0 1,787
ISHARES TR CORE MSCI EAFE 46432F842 93,710 1,300,627 SH   SOLE   1,300,627 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,745 27,117 SH   SOLE   27,117 0 0
I SHARES TR CORE S&P500 ETF 464287200 6,680 16,792 SH   SOLE   16,792 0 0
ISHARES TR CORE S&P MCP ETF 464287507 1,305 5,015 SH   SOLE   5,015 0 0
ISHARES TR CORE S&P SCP ETF 464287804 790 7,277 SH   SOLE   7,277 0 0
ISHARES TR CORE S&P TTL STK 464287150 42,033 458,875 SH   SOLE   458,875 0 0
ISHARES TR CORE US AGGBD ET 464287226 315 2,768 SH   SOLE   2,768 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 507 19,916 SH   SOLE   19,916 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 2,197 25,474 SH   SOLE   25,474 0 0
I SHARES TR MSCI EAFE INDEX 464287465 1,662 21,910 SH   SOLE   21,910 0 0
ISHARES INC MSCI EMRG CHN 46434G764 355 5,968 SH   SOLE   5,968 0 0
I SHARES TR MSCI EMG MKT ETF 464287234 1,842 34,524 SH   SOLE   34,524 0 0
ISHARES TR NATIONAL MUN ETF 464288414 574 4,945 SH   SOLE   4,945 0 0
I SHARES TR RUS 1000 GRW ETF 464287614 6,642 27,328 SH   SOLE   27,328 0 0
ISHARES TR RUS 1000 ETF 464287622 914 4,084 SH   SOLE   4,084 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 603 3,977 SH   SOLE   3,977 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 274 1,241 SH   SOLE   1,241 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 298 1,868 SH   SOLE   1,868 0 0
I SHARES TR RUSSELL 3000 464287689 16,928 71,355 SH   SOLE   71,355 0 0
I SHARES TR RUSSELL MCP GR 464287481 22,623 221,664 SH   SOLE   221,664 0 0
ISHARES TR RUS MDCP VAL ETF 464287499 377 5,103 SH   SOLE   5,103 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 624 5,708 SH   SOLE   5,708 0 0
ISHARES TR S&P 100 ETF 464287101 593 3,298 SH   SOLE   3,298 0 0
ISHARES TR S&P 500 VAL ETF 464287408 431 3,050 SH   SOLE   3,050 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 771 11,847 SH   SOLE   11,847 0 0
ISHARES TR S&P MC 400GR ETF 464287606 668 8,529 SH   SOLE   8,529 0 0
ISHARES TR TRS FLT RT BD 46434V860 392 7,803 SH   SOLE   7,803 0 0
JPMORGAN CHASE & CO COM 46625H100 401 2,632 SH   SOLE   0 0 2,632
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 744 44,851 SH   SOLE   0 0 44,851
KINDER MORGAN INC DEL COM 49456B101 387 23,234 SH   SOLE   0 0 23,234
LOCKHEED MARTIN CORP COM 539830109 362 979 SH   SOLE   0 0 979
MERCK & CO. INC COM 58933Y105 300 3,897 SH   SOLE   0 0 3,897
MICROSOFT CORP COM 594918104 1,173 4,974 SH   SOLE   0 0 4,974
NETFLIX INC COM 64110L106 406 778 SH   SOLE   0 0 778
NVIDIA CORPORATION COM 67066G104 294 550 SH   SOLE   0 0 550
ONEOK INC NEW COM 682680103 253 5,000 SH   SOLE   0 0 5,000
PEPSICO INC COM 713448108 1,006 7,110 SH   SOLE   0 0 7,110
PNC FINL SVCS GROUP INC COM 693475105 382 2,178 SH   SOLE   0 0 2,178
PROCTER & GAMBLE CO COM 742718109 37,880 279,701 SH   SOLE   0 0 279,701
PROSHARES TR II ULTRA VIX SHORT 74347W148 113 20,000 SH   SOLE   20,000 0 0
RPM INTL INC COM 749685103 426 4,635 SH   SOLE   0 0 4,635
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 43,840 1,165,340 SH   SOLE   1,165,340 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 21,313 220,378 SH   SOLE   220,378 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 285 2,196 SH   SOLE   2,196 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 10,253 249,532 SH   SOLE   249,532 0 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 3,140 9,510 SH   SOLE   9,510 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,955 9,979 SH   SOLE   9,979 0 0
SPDR SER TR S&P BK ETF 78464A797 1,602 30,886 SH   SOLE   30,886 0 0
SPDR SER TR S&P DIVID ETF 78464A763 311 2,635 SH   SOLE   2,635 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 769 1,615 SH   SOLE   1,615 0 0
TESLA INC COM 88160R101 501 750 SH   SOLE   0 0 750
SMUCKER J M CO COM NEW 832696405 309 2,441 SH   SOLE   0 0 2,441
UNION PAC CORP COM 907818108 238 1,080 SH   SOLE   0 0 1,080
US BANCORP DEL COM NEW 902973304 2,274 41,122 SH   SOLE   0 0 41,122
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 311 2,113 SH   SOLE   2,113 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 2,615 50,249 SH   SOLE   50,249 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 326 1,842 SH   SOLE   1,842 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 2,893 47,670 SH   SOLE   47,670 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 178,659 3,637,932 SH   SOLE   3,637,932 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 8,079 144,895 SH   SOLE   144,895 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 102,664 399,410 SH   SOLE   399,410 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 717 2,000 SH   SOLE   2,000 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,140 12,258 SH   SOLE   12,258 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 931 4,208 SH   SOLE   4,208 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,034 7,668 SH   SOLE   7,668 0 0
VANGUARD INDEX FDS REIT ETF 922908553 132,343 1,440,704 SH   SOLE   1,440,704 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,122 3,080 SH   SOLE   3,080 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 960 5,440 SH   SOLE   5,440 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 145,690 1,772,598 SH   SOLE   1,772,598 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 686 8,316 SH   SOLE   8,316 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,334 14,092 SH   SOLE   14,092 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 320 1,493 SH   SOLE   1,493 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 1,127 13,303 SH   SOLE   13,303 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,761 44,034 SH   SOLE   44,034 0 0
VANGUARD INDEX FDS STK MRK ETF 922908769 475,918 2,302,571 SH   SOLE   2,302,571 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 374 3,848 SH   SOLE   3,848 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 543 4,127 SH   SOLE   4,127 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 202 3,472 SH   SOLE   0 0 3,472
VISA INC COM CL A 92826C839 505 2,384 SH   SOLE   0 0 2,384
WALMART INC COM 931142103 478 3,520 SH   SOLE   0 0 3,520
WALGREENS BOOTS ALLIANCE INC COM 931427108 533 9,702 SH   SOLE   0 0 9,702
WESBANCO INC COM 950810101 1,206 33,443 SH   SOLE   0 0 33,443
WISDOMTREE TR US SMALLCAP DIVD 97717W604 2,523 81,000 SH   SOLE   81,000 0 0
JOHNSON & JOHNSON COM 478160104 488 2,971 SH   SOLE   0 0 2,971
KROGER CO COM 501044101 261 7,255 SH   SOLE   0 0 7,255
VANGUARD INDEX FDS MID CAP GRW ETF 922908538 156,118 727,516 SH   SOLE   727,516 0 0