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 3,216 33,235 SH   SOLE   0 0 33,235
ABBVIE INC COM 00287Y109 2,440 18,184 SH   SOLE   0 0 18,184
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,225 12,532 SH   SOLE   0 0 12,532
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,615 5,868 SH   SOLE   0 0 5,868
ADVANCE AUTO PARTS INC COM 00751Y106 2,879 18,416 SH   SOLE   0 0 18,416
AFLAC INC COM 001055102 380 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305 7,399 77,360 SH   SOLE   0 0 77,360
ALPHABET INC CAP STK CL C 02079K107 980 10,190 SH   SOLE   0 0 10,190
AMAZON COM INC COM 023135106 567 5,020 SH   SOLE   0 0 5,020
APPLE INC COM 037833100 12,842 92,927 SH   SOLE   0 0 92,927
AT&T INC COM 00206R102 837 54,564 SH   SOLE   0 0 54,564
AUTOMATIC DATA PROCESSING IN COM 053015103 3,462 15,308 SH   SOLE   0 0 15,308
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,673 13,756 SH   SOLE   0 0 13,756
BORGWARNER INC COM 099724106 3,082 98,152 SH   SOLE   0 0 98,152
BROADCOM INC COM 11135F101 3,645 8,210 SH   SOLE   0 0 8,210
CHEVRON CORP NEW COM 166764100 565 3,930 SH   SOLE   0 0 3,930
CINCINNATI BANCORP INC COM NEW 17187C102 916 62,462 SH   SOLE   0 0 62,462
CINCINNATI FINL CORP COM 172062101 532 5,940 SH   SOLE   0 0 5,940
CISCO SYS INC COM 17275R102 356 8,894 SH   SOLE   0 0 8,894
CITIZENS FINL GROUP INC COM 174610105 2,705 78,732 SH   SOLE   0 0 78,732
COMCAST CORP NEW CL A 20030N101 2,597 88,547 SH   SOLE   0 0 88,547
CROWN CASTLE INC COM 22822V101 2,480 17,154 SH   SOLE   0 0 17,154
CVS HEALTH CORP COM 126650100 3,869 40,571 SH   SOLE   0 0 40,571
DIAGEO PLC SPON ADR NEW 25243Q205 2,845 16,752 SH   SOLE   0 0 16,752
DISNEY WALT CO COM 254687106 2,796 29,645 SH   SOLE   0 0 29,645
DOMINION ENERGY INC COM 25746U109 1,607 23,257 SH   SOLE   0 0 23,257
DOW INC COM 260557103 1,943 44,222 SH   SOLE   0 0 44,222
EXXON MOBIL CORP COM 30231G102 626 7,172 SH   SOLE   0 0 7,172
FISERV INC COM 337738108 2,767 29,569 SH   SOLE   0 0 29,569
HARTFORD FINL SVCS GROUP INC COM 416515104 231 3,734 SH   SOLE   0 0 3,734
HERSHEY CO COM 427866108 220 1,000 SH   SOLE   0 0 1,000
HOME DEPOT INC COM 437076102 3,561 12,904 SH   SOLE   0 0 12,904
ILLINOIS TOOL WKS INC COM 452308109 3,115 17,242 SH   SOLE   0 0 17,242
INTUIT COM 461202103 310 800 SH   SOLE   0 0 800
ISHARES GOLD TR ISHARES NEW 464285204 476 15,085 SH   SOLE   0 0 15,085
ISHARES TR CORE S&P MCP ETF 464287507 16,739 76,341 SH   SOLE   0 0 76,341
ISHARES TR CORE S&P500 ETF 464287200 1,205 3,359 SH   SOLE   0 0 3,359
ISHARES TR ISHS 1-5YR INVS 464288646 411 8,336 SH   SOLE   0 0 8,336
ISHARES TR NATIONAL MUN ETF 464288414 346 3,370 SH   SOLE   0 0 3,370
ISHARES TR CORE S&P SCP ETF 464287804 344 3,946 SH   SOLE   0 0 3,946
ISHARES TR MSCI EAFE ETF 464287465 293 5,240 SH   SOLE   0 0 5,240
ISHARES TR RUSSELL 2000 ETF 464287655 209 1,265 SH   SOLE   0 0 1,265
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 11,005 219,392 SH   SOLE   0 0 219,392
JOHNSON & JOHNSON COM 478160104 3,083 18,875 SH   SOLE   0 0 18,875
JPMORGAN CHASE & CO COM 46625H100 3,946 37,762 SH   SOLE   0 0 37,762
LILLY ELI & CO COM 532457108 231 713 SH   SOLE   0 0 713
LOWES COS INC COM 548661107 299 1,592 SH   SOLE   0 0 1,592
MDU RES GROUP INC COM 552690109 274 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105 3,361 39,030 SH   SOLE   0 0 39,030
MICROSOFT CORP COM 594918104 9,528 40,909 SH   SOLE   0 0 40,909
NEXTERA ENERGY INC COM 65339F101 319 4,066 SH   SOLE   0 0 4,066
NORFOLK SOUTHN CORP COM 655844108 423 2,016 SH   SOLE   0 0 2,016
NORTHROP GRUMMAN CORP COM 666807102 3,231 6,869 SH   SOLE   0 0 6,869
PAYPAL HLDGS INC COM 70450Y103 2,984 34,672 SH   SOLE   0 0 34,672
PEPSICO INC COM 713448108 739 4,529 SH   SOLE   0 0 4,529
PFIZER INC COM 717081103 359 8,205 SH   SOLE   0 0 8,205
PRICE T ROWE GROUP INC COM 74144T108 2,167 20,635 SH   SOLE   0 0 20,635
PROCTER AND GAMBLE CO COM 742718109 3,930 31,128 SH   SOLE   0 0 31,128
QUALCOMM INC COM 747525103 4,371 38,692 SH   SOLE   0 0 38,692
RAYTHEON TECHNOLOGIES CORP COM 75513E101 397 4,855 SH   SOLE   0 0 4,855
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,389 128,338 SH   SOLE   0 0 128,338
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 1,849 66,617 SH   SOLE   0 0 66,617
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,157 51,633 SH   SOLE   0 0 51,633
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,112 39,528 SH   SOLE   0 0 39,528
SHELL PLC SPON ADS 780259305 1,998 40,159 SH   SOLE   0 0 40,159
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,475 4,129 SH   SOLE   0 0 4,129
SYSCO CORP COM 871829107 2,477 35,026 SH   SOLE   0 0 35,026
TARGET CORP COM 87612E106 2,536 17,088 SH   SOLE   0 0 17,088
THERMO FISHER SCIENTIFIC INC COM 883556102 3,737 7,367 SH   SOLE   0 0 7,367
THOMSON REUTERS CORP. COM NEW 884903709 214 2,088 SH   SOLE   0 0 2,088
TJX COS INC NEW COM 872540109 2,777 44,710 SH   SOLE   0 0 44,710
TRANE TECHNOLOGIES PLC SHS G8994E103 3,895 26,895 SH   SOLE   0 0 26,895
TYSON FOODS INC CL A 902494103 1,919 29,111 SH   SOLE   0 0 29,111
UNION PAC CORP COM 907818108 214 1,098 SH   SOLE   0 0 1,098
UNITED PARCEL SERVICE INC CL B 911312106 3,729 23,081 SH   SOLE   0 0 23,081
US BANCORP DEL COM NEW 902973304 1,068 26,488 SH   SOLE   0 0 26,488
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 884 2,693 SH   SOLE   0 0 2,693
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 274 3,421 SH   SOLE   0 0 3,421
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 573 15,705 SH   SOLE   0 0 15,705
VERIZON COMMUNICATIONS INC COM 92343V104 2,689 70,832 SH   SOLE   0 0 70,832
VISA INC COM CL A 92826C839 1,748 9,837 SH   SOLE   0 0 9,837
WALMART INC COM 931142103 3,518 27,126 SH   SOLE   0 0 27,126
WASTE MGMT INC DEL COM 94106L109 336 2,100 SH   SOLE   0 0 2,100
WILLIAMS COS INC COM 969457100 4,089 142,818 SH   SOLE   0 0 142,818
WP CAREY INC COM 92936U109 1,714 24,552 SH   SOLE   0 0 24,552
ZIMMER BIOMET HOLDINGS INC COM 98956P102 218 2,083 SH   SOLE   0 0 2,083