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 3,777 31,913 SH   SOLE   0 0 31,913
ABBVIE INC COM 00287Y109 3,919 24,177 SH   SOLE   0 0 24,177
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 4,038 11,973 SH   SOLE   0 0 11,973
ADVANCE AUTO PARTS INC COM 00751Y106 3,647 17,622 SH   SOLE   0 0 17,622
AFLAC INC COM 001055102 435 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305 10,233 3,679 SH   SOLE   0 0 3,679
ALPHABET INC CAP STK CL C 02079K107 1,424 510 SH   SOLE   0 0 510
AMAZON COM INC COM 023135106 867 266 SH   SOLE   0 0 266
AMERICAN FINL GROUP INC OHIO COM 025932104 1,844 12,662 SH   SOLE   0 0 12,662
APPLE INC COM 037833100 17,509 100,276 SH   SOLE   0 0 100,276
AT&T INC COM 00206R102 1,194 50,508 SH   SOLE   0 0 50,508
AUTOMATIC DATA PROCESSING IN COM 053015103 3,358 14,756 SH   SOLE   0 0 14,756
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,794 13,583 SH   SOLE   0 0 13,583
BOEING CO COM 097023105 1,394 7,280 SH   SOLE   0 0 7,280
BORGWARNER INC COM 099724106 1,847 47,487 SH   SOLE   0 0 47,487
BRISTOL-MYERS SQUIBB CO COM 110122108 203 2,780 SH   SOLE   0 0 2,780
BROADCOM INC COM 11135F101 5,008 7,953 SH   SOLE   0 0 7,953
CHEVRON CORP NEW COM 166764100 653 4,010 SH   SOLE   0 0 4,010
CINCINNATI BANCORP INC COM NEW 17187C102 974 61,462 SH   SOLE   0 0 61,462
CINCINNATI FINL CORP COM 172062101 808 5,940 SH   SOLE   0 0 5,940
CISCO SYS INC COM 17275R102 496 8,894 SH   SOLE   0 0 8,894
CITIZENS FINL GROUP INC COM 174610105 3,404 75,100 SH   SOLE   0 0 75,100
COCA COLA CO COM 191216100 228 3,681 SH   SOLE   0 0 3,681
COMCAST CORP NEW CL A 20030N101 3,983 85,067 SH   SOLE   0 0 85,067
CROWN CASTLE INTL CORP NEW COM 22822V101 3,056 16,555 SH   SOLE   0 0 16,555
CVS HEALTH CORP COM 126650100 5,379 53,148 SH   SOLE   0 0 53,148
DEERE & CO COM 244199105 213 512 SH   SOLE   0 0 512
DIAGEO PLC SPON ADR NEW 25243Q205 3,304 16,263 SH   SOLE   0 0 16,263
DISNEY WALT CO COM 254687106 4,111 29,969 SH   SOLE   0 0 29,969
DOMINION ENERGY INC COM 25746U109 1,904 22,411 SH   SOLE   0 0 22,411
DOW INC COM 260557103 2,747 43,114 SH   SOLE   0 0 43,114
DUKE ENERGY CORP NEW COM NEW 26441C204 247 2,209 SH   SOLE   0 0 2,209
EXXON MOBIL CORP COM 30231G102 593 7,184 SH   SOLE   0 0 7,184
GOLD TR ISHARES NEW 464285204 556 15,085 SH   SOLE   0 0 15,085
HARTFORD FINL SVCS GROUP INC COM 416515104 268 3,734 SH   SOLE   0 0 3,734
HERSHEY CO COM 427866108 217 1,000 SH   SOLE   0 0 1,000
HOME DEPOT INC COM 437076102 3,700 12,361 SH   SOLE   0 0 12,361
ILLINOIS TOOL WKS INC COM 452308109 3,391 16,195 SH   SOLE   0 0 16,195
INTEL CORP COM 458140100 339 6,843 SH   SOLE   0 0 6,843
INTERCONTINENTAL EXCHANGE IN COM 45866F104 226 1,710 SH   SOLE   0 0 1,710
INTUIT COM 461202103 385 800 SH   SOLE   0 0 800
INVESCO LTD SHS G491BT108 2,242 97,219 SH   SOLE   0 0 97,219
INVESCO QQQ TR UNIT SER 1 46090E103 227 625 SH   SOLE   0 0 625
ISHARES TR CORE S&P MCP ETF 464287507 19,707 73,439 SH   SOLE   0 0 73,439
ISHARES TR CORE S&P500 ETF 464287200 1,333 2,937 SH   SOLE   0 0 2,937
ISHARES TR CORE S&P SCP ETF 464287804 428 3,969 SH   SOLE   0 0 3,969
ISHARES TR ISHS 1-5YR INVS 464288646 427 8,262 SH   SOLE   0 0 8,262
ISHARES TR MSCI EAFE ETF 464287465 402 5,460 SH   SOLE   0 0 5,460
ISHARES TR RUSSELL 2000 ETF 464287655 258 1,257 SH   SOLE   0 0 1,257
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 12,019 239,086 SH   SOLE   0 0 239,086
JOHNSON & JOHNSON COM 478160104 3,281 18,511 SH   SOLE   0 0 18,511
JPMORGAN CHASE & CO COM 46625H100 5,041 36,982 SH   SOLE   0 0 36,982
LILLY ELI & CO COM 532457108 204 713 SH   SOLE   0 0 713
LOWES COS INC COM 548661107 322 1,592 SH   SOLE   0 0 1,592
MASTERCARD INCORPORATED CL A 57636Q104 238 666 SH   SOLE   0 0 666
MDU RES GROUP INC COM 552690109 267 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105 3,133 38,189 SH   SOLE   0 0 38,189
MICROSOFT CORP COM 594918104 12,125 39,327 SH   SOLE   0 0 39,327
NETFLIX INC COM 64110L106 210 560 SH   SOLE   0 0 560
NEXTERA ENERGY INC COM 65339F101 344 4,066 SH   SOLE   0 0 4,066
NORFOLK SOUTHN CORP COM 655844108 575 2,016 SH   SOLE   0 0 2,016
NORTHROP GRUMMAN CORP COM 666807102 3,022 6,757 SH   SOLE   0 0 6,757
PAYPAL HLDGS INC COM 70450Y103 2,024 17,505 SH   SOLE   0 0 17,505
PEPSICO INC COM 713448108 771 4,604 SH   SOLE   0 0 4,604
PFIZER INC COM 717081103 445 8,601 SH   SOLE   0 0 8,601
PROCTER AND GAMBLE CO COM 742718109 4,782 31,297 SH   SOLE   0 0 31,297
QUALCOMM INC COM 747525103 5,621 36,779 SH   SOLE   0 0 36,779
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,726 27,520 SH   SOLE   0 0 27,520
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,685 125,214 SH   SOLE   0 0 125,214
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,181 57,452 SH   SOLE   0 0 57,452
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 780 21,251 SH   SOLE   0 0 21,251
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 313 11,282 SH   SOLE   0 0 11,282
SHELL PLC SPON ADS 780259305 2,050 37,320 SH   SOLE   0 0 37,320
SPDR S&P 500 ETF TR TR UNIT 78462F103 798 1,767 SH   SOLE   0 0 1,767
SYNCHRONY FINANCIAL COM 87165B103 1,661 47,730 SH   SOLE   0 0 47,730
SYSCO CORP COM 871829107 2,827 34,627 SH   SOLE   0 0 34,627
TARGET CORP COM 87612E106 3,543 16,695 SH   SOLE   0 0 16,695
THERMO FISHER SCIENTIFIC INC COM 883556102 4,224 7,152 SH   SOLE   0 0 7,152
THOMSON REUTERS CORP. COM NEW 884903709 227 2,088 SH   SOLE   0 0 2,088
TJX COS INC NEW COM 872540109 2,659 43,892 SH   SOLE   0 0 43,892
TRANE TECHNOLOGIES PLC SHS G8994E103 3,933 25,758 SH   SOLE   0 0 25,758
TYSON FOODS INC CL A 902494103 2,516 28,070 SH   SOLE   0 0 28,070
UNION PAC CORP COM 907818108 300 1,098 SH   SOLE   0 0 1,098
UNITED PARCEL SERVICE INC CL B 911312106 4,744 22,120 SH   SOLE   0 0 22,120
US BANCORP DEL COM NEW 902973304 1,408 26,488 SH   SOLE   0 0 26,488
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,083 2,608 SH   SOLE   0 0 2,608
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 378 3,485 SH   SOLE   0 0 3,485
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 727 15,770 SH   SOLE   0 0 15,770
VERIZON COMMUNICATIONS INC COM 92343V104 3,515 69,003 SH   SOLE   0 0 69,003
VISA INC COM CL A 92826C839 2,115 9,539 SH   SOLE   0 0 9,539
WALMART INC COM 931142103 3,925 26,359 SH   SOLE   0 0 26,359
WASTE MGMT INC DEL COM 94106L109 349 2,200 SH   SOLE   0 0 2,200
WILLIAMS COS INC COM 969457100 4,589 137,354 SH   SOLE   0 0 137,354
WP CAREY INC COM 92936U109 1,938 23,969 SH   SOLE   0 0 23,969
ZIMMER BIOMET HOLDINGS INC COM 98956P102 266 2,083 SH   SOLE   0 0 2,083