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
ABBOTT LABS COM 002824100 4,383 31,140 SH   SOLE   0 0 31,140
ABBVIE INC COM 00287Y109 3,255 24,039 SH   SOLE   0 0 24,039
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,774 11,515 SH   SOLE   0 0 11,515
ADVANCE AUTO PARTS INC COM 00751Y106 4,128 17,211 SH   SOLE   0 0 17,211
AFLAC INC COM 001055102 394 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305 11,148 3,848 SH   SOLE   0 0 3,848
ALPHABET INC CAP STK CL C 02079K107 2,014 696 SH   SOLE   0 0 696
AMAZON COM INC COM 023135106 784 235 SH   SOLE   0 0 235
AMERICAN FINL GROUP INC OHIO COM 025932104 1,739 12,662 SH   SOLE   0 0 12,662
APPLE INC COM 037833100 17,422 98,111 SH   SOLE   0 0 98,111
AT&T INC COM 00206R102 1,184 48,111 SH   SOLE   0 0 48,111
AUTOMATIC DATA PROCESSING IN COM 053015103 3,541 14,361 SH   SOLE   0 0 14,361
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,017 13,434 SH   SOLE   0 0 13,434
BOEING CO COM 097023105 1,436 7,132 SH   SOLE   0 0 7,132
BORGWARNER INC COM 099724106 2,080 46,156 SH   SOLE   0 0 46,156
BROADCOM INC COM 11135F101 5,089 7,649 SH   SOLE   0 0 7,649
CHEVRON CORP NEW COM 166764100 448 3,816 SH   SOLE   0 0 3,816
CINCINNATI BANCORP INC COM NEW 17187C102 899 61,462 SH   SOLE   0 0 61,462
CINCINNATI FINL CORP COM 172062101 677 5,940 SH   SOLE   0 0 5,940
CISCO SYS INC COM 17275R102 444 7,008 SH   SOLE   0 0 7,008
CITIZENS FINL GROUP INC COM 174610105 3,507 74,223 SH   SOLE   0 0 74,223
COCA COLA CO COM 191216100 204 3,438 SH   SOLE   0 0 3,438
COMCAST CORP NEW CL A 20030N101 4,242 84,287 SH   SOLE   0 0 84,287
CROWN CASTLE INTL CORP NEW COM 22822V101 3,423 16,397 SH   SOLE   0 0 16,397
CVS HEALTH CORP COM 126650100 5,427 52,609 SH   SOLE   0 0 52,609
DIAGEO PLC SPON ADR NEW 25243Q205 3,527 16,024 SH   SOLE   0 0 16,024
DISNEY WALT CO COM 254687106 3,093 19,969 SH   SOLE   0 0 19,969
DOMINION ENERGY INC COM 25746U109 1,737 22,111 SH   SOLE   0 0 22,111
DOW INC COM 260557103 2,416 42,588 SH   SOLE   0 0 42,588
DUKE ENERGY CORP NEW COM NEW 26441C204 210 2,005 SH   SOLE   0 0 2,005
EXXON MOBIL CORP COM 30231G102 307 5,024 SH   SOLE   0 0 5,024
GOLD TR ISHARES NEW 464285204 525 15,085 SH   SOLE   0 0 15,085
HARTFORD FINL SVCS GROUP INC COM 416515104 258 3,734 SH   SOLE   0 0 3,734
HOME DEPOT INC COM 437076102 4,919 11,853 SH   SOLE   0 0 11,853
ILLINOIS TOOL WKS INC COM 452308109 3,849 15,597 SH   SOLE   0 0 15,597
INTEL CORP COM 458140100 352 6,843 SH   SOLE   0 0 6,843
INTERCONTINENTAL EXCHANGE IN COM 45866F104 234 1,710 SH   SOLE   0 0 1,710
INTUIT COM 461202103 515 800 SH   SOLE   0 0 800
INVESCO LTD SHS G491BT108 2,209 95,949 SH   SOLE   0 0 95,949
INVESCO QQQ TR UNIT SER 1 46090E103 249 625 SH   SOLE   0 0 625
ISHARES TR CORE S&P MCP ETF 464287507 20,086 70,956 SH   SOLE   0 0 70,956
ISHARES TR CORE S&P500 ETF 464287200 1,259 2,640 SH   SOLE   0 0 2,640
ISHARES TR CORE S&P SCP ETF 464287804 454 3,968 SH   SOLE   0 0 3,968
ISHARES TR ISHS 1-5YR INVS 464288646 444 8,243 SH   SOLE   0 0 8,243
ISHARES TR MSCI EAFE ETF 464287465 429 5,455 SH   SOLE   0 0 5,455
ISHARES TR RUSSELL 2000 ETF 464287655 280 1,257 SH   SOLE   0 0 1,257
ISHARES TR MSCI USA QLT FCT 46432F339 201 1,381 SH   SOLE   0 0 1,381
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 12,172 241,131 SH   SOLE   0 0 241,131
JOHNSON & JOHNSON COM 478160104 3,132 18,306 SH   SOLE   0 0 18,306
JPMORGAN CHASE & CO COM 46625H100 5,357 33,833 SH   SOLE   0 0 33,833
LOWES COS INC COM 548661107 388 1,502 SH   SOLE   0 0 1,502
MASTERCARD INCORPORATED CL A 57636Q104 239 666 SH   SOLE   0 0 666
MDU RES GROUP INC COM 552690109 308 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105 2,848 37,156 SH   SOLE   0 0 37,156
MICROSOFT CORP COM 594918104 12,634 37,564 SH   SOLE   0 0 37,564
NETFLIX INC COM 64110L106 343 570 SH   SOLE   0 0 570
NEXTERA ENERGY INC COM 65339F101 360 3,860 SH   SOLE   0 0 3,860
NORFOLK SOUTHN CORP COM 655844108 576 1,935 SH   SOLE   0 0 1,935
NORTHROP GRUMMAN CORP COM 666807102 2,577 6,658 SH   SOLE   0 0 6,658
PAYPAL HLDGS INC COM 70450Y103 3,033 16,085 SH   SOLE   0 0 16,085
PEPSICO INC COM 713448108 800 4,604 SH   SOLE   0 0 4,604
PFIZER INC COM 717081103 438 7,424 SH   SOLE   0 0 7,424
PROCTER AND GAMBLE CO COM 742718109 4,424 27,044 SH   SOLE   0 0 27,044
QUALCOMM INC COM 747525103 6,568 35,918 SH   SOLE   0 0 35,918
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,342 27,216 SH   SOLE   0 0 27,216
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,503 34,634 SH   SOLE   0 0 34,634
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 7,148 63,255 SH   SOLE   0 0 63,255
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,344 57,280 SH   SOLE   0 0 57,280
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 822 21,139 SH   SOLE   0 0 21,139
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 325 10,986 SH   SOLE   0 0 10,986
SPDR S&P 500 ETF TR TR UNIT 78462F103 789 1,662 SH   SOLE   0 0 1,662
SYNCHRONY FINANCIAL COM 87165B103 2,119 45,678 SH   SOLE   0 0 45,678
SYSCO CORP COM 871829107 2,698 34,347 SH   SOLE   0 0 34,347
TARGET CORP COM 87612E106 3,819 16,501 SH   SOLE   0 0 16,501
THERMO FISHER SCIENTIFIC INC COM 883556102 4,735 7,097 SH   SOLE   0 0 7,097
THOMSON REUTERS CORP. COM NEW 884903709 250 2,088 SH   SOLE   0 0 2,088
TJX COS INC NEW COM 872540109 3,302 43,497 SH   SOLE   0 0 43,497
TRANE TECHNOLOGIES PLC SHS G8994E103 5,006 24,779 SH   SOLE   0 0 24,779
TYSON FOODS INC CL A 902494103 2,434 27,925 SH   SOLE   0 0 27,925
UNITED PARCEL SERVICE INC CL B 911312106 4,734 22,084 SH   SOLE   0 0 22,084
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,062 2,433 SH   SOLE   0 0 2,433
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 402 3,462 SH   SOLE   0 0 3,462
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 781 15,795 SH   SOLE   0 0 15,795
VERIZON COMMUNICATIONS INC COM 92343V104 3,498 67,320 SH   SOLE   0 0 67,320
VISA INC COM CL A 92826C839 2,020 9,320 SH   SOLE   0 0 9,320
WALMART INC COM 931142103 3,723 25,731 SH   SOLE   0 0 25,731
WASTE MGMT INC DEL COM 94106L109 367 2,200 SH   SOLE   0 0 2,200
WILLIAMS COS INC COM 969457100 3,544 136,111 SH   SOLE   0 0 136,111
WP CAREY INC COM 92936U109 1,939 23,631 SH   SOLE   0 0 23,631
ZIMMER BIOMET HOLDINGS INC COM 98956P102 265 2,083 SH   SOLE   0 0 2,083