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
ISHARES TR CORE S&P MCP ETF 464287507   20,083,352 72,464 SH   SOLE   0 0 72,464
APPLE INC COM 037833100   17,312,902 89,923 SH   SOLE   0 0 89,923
MICROSOFT CORP COM 594918104   15,677,670 41,691 SH   SOLE   0 0 41,691
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,874,908 196,594 SH   SOLE   0 0 196,594
ALPHABET INC CAP STK CL A 02079K305   9,053,589 64,812 SH   SOLE   0 0 64,812
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   8,556,479 153,700 SH   SOLE   0 0 153,700
BROADCOM INC COM 11135F101   6,824,262 6,114 SH   SOLE   0 0 6,114
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   6,368,069 115,051 SH   SOLE   0 0 115,051
TRANE TECHNOLOGIES PLC SHS G8994E103   6,071,016 24,891 SH   SOLE   0 0 24,891
JPMORGAN CHASE & CO COM 46625H100   6,035,908 35,484 SH   SOLE   0 0 35,484
QUALCOMM INC COM 747525103   5,398,070 37,323 SH   SOLE   0 0 37,323
WILLIAMS COS INC COM 969457100   4,944,125 141,950 SH   SOLE   0 0 141,950
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,737,159 13,282 SH   SOLE   0 0 13,282
HOME DEPOT INC COM 437076102   4,436,017 12,801 SH   SOLE   0 0 12,801
MERCK & CO INC COM 58933Y105   4,368,670 40,072 SH   SOLE   0 0 40,072
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   4,182,006 11,918 SH   SOLE   0 0 11,918
ILLINOIS TOOL WKS INC COM 452308109   4,165,383 15,902 SH   SOLE   0 0 15,902
WALMART INC COM 931142103   4,151,417 26,333 SH   SOLE   0 0 26,333
PROCTER AND GAMBLE CO COM 742718109   4,107,473 28,030 SH   SOLE   0 0 28,030
TJX COS INC NEW COM 872540109   4,086,195 43,558 SH   SOLE   0 0 43,558
COMCAST CORP NEW CL A 20030N101   3,921,363 89,427 SH   SOLE   0 0 89,427
THERMO FISHER SCIENTIFIC INC COM 883556102   3,840,822 7,236 SH   SOLE   0 0 7,236
AMGEN INC COM 031162100   3,840,455 13,334 SH   SOLE   0 0 13,334
FISERV INC COM 337738108   3,805,069 28,644 SH   SOLE   0 0 28,644
ABBOTT LABS COM 002824100   3,616,004 32,852 SH   SOLE   0 0 32,852
UNITED PARCEL SERVICE INC CL B 911312106   3,600,470 22,899 SH   SOLE   0 0 22,899
CROWN CASTLE INC COM 22822V101   3,584,178 31,115 SH   SOLE   0 0 31,115
VERIZON COMMUNICATIONS INC COM 92343V104   3,426,768 90,896 SH   SOLE   0 0 90,896
AUTOMATIC DATA PROCESSING IN COM 053015103   3,381,190 14,513 SH   SOLE   0 0 14,513
BORGWARNER INC COM 099724106   3,238,565 90,337 SH   SOLE   0 0 90,337
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,192,146 6,716 SH   SOLE   0 0 6,716
CVS HEALTH CORP COM 126650100   3,082,238 39,035 SH   SOLE   0 0 39,035
NORTHROP GRUMMAN CORP COM 666807102   3,049,787 6,515 SH   SOLE   0 0 6,515
SCHWAB CHARLES CORP COM 808513105   2,967,835 43,137 SH   SOLE   0 0 43,137
NEXTERA ENERGY INC COM 65339F101   2,907,637 47,870 SH   SOLE   0 0 47,870
VISA INC COM CL A 92826C839   2,891,770 11,107 SH   SOLE   0 0 11,107
JOHNSON & JOHNSON COM 478160104   2,878,006 18,362 SH   SOLE   0 0 18,362
ABBVIE INC COM 00287Y109   2,770,560 17,878 SH   SOLE   0 0 17,878
EOG RES INC COM 26875P101   2,657,811 21,974 SH   SOLE   0 0 21,974
ADOBE INC COM 00724F101   2,617,881 4,388 SH   SOLE   0 0 4,388
CITIZENS FINL GROUP INC COM 174610105   2,568,572 77,507 SH   SOLE   0 0 77,507
SHELL PLC SPON ADS 780259305   2,537,288 38,561 SH   SOLE   0 0 38,561
DIAGEO PLC SPON ADR NEW 25243Q205   2,438,594 16,742 SH   SOLE   0 0 16,742
TARGET CORP COM 87612E106   2,340,055 16,431 SH   SOLE   0 0 16,431
DOW INC COM 260557103   2,337,343 42,621 SH   SOLE   0 0 42,621
KEURIG DR PEPPER INC COM 49271V100   2,321,191 69,664 SH   SOLE   0 0 69,664
PRICE T ROWE GROUP INC COM 74144T108   2,086,793 19,378 SH   SOLE   0 0 19,378
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   2,082,378 59,327 SH   SOLE   0 0 59,327
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,025,442 4,637 SH   SOLE   0 0 4,637
PAYPAL HLDGS INC COM 70450Y103   1,907,395 31,060 SH   SOLE   0 0 31,060
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,807,969 51,819 SH   SOLE   0 0 51,819
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,766,203 22,828 SH   SOLE   0 0 22,828
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,642,661 44,444 SH   SOLE   0 0 44,444
WP CAREY INC COM 92936U109   1,515,913 23,390 SH   SOLE   0 0 23,390
US BANCORP DEL COM NEW 902973304   1,323,200 30,573 SH   SOLE   0 0 30,573
ISHARES TR CORE S&P500 ETF 464287200   1,305,363 2,733 SH   SOLE   0 0 2,733
AMAZON COM INC COM 023135106   1,088,651 7,165 SH   SOLE   0 0 7,165
HILLENBRAND INC COM 431571108   1,037,676 21,686 SH   SOLE   0 0 21,686
ALPHABET INC CAP STK CL C 02079K107   1,008,214 7,154 SH   SOLE   0 0 7,154
PEPSICO INC COM 713448108   821,079 4,834 SH   SOLE   0 0 4,834
EXXON MOBIL CORP COM 30231G102   670,988 6,711 SH   SOLE   0 0 6,711
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   647,558 7,967 SH   SOLE   0 0 7,967
ISHARES TR NATIONAL MUN ETF 464288414   646,901 5,967 SH   SOLE   0 0 5,967
CHEVRON CORP NEW COM 166764100   639,230 4,286 SH   SOLE   0 0 4,286
ISHARES TR CORE S&P SCP ETF 464287804   627,417 5,796 SH   SOLE   0 0 5,796
ISHARES INC MSCI EMRG CHN 46434G764   614,497 11,090 SH   SOLE   0 0 11,090
UNITEDHEALTH GROUP INC COM 91324P102   602,809 1,145 SH   SOLE   0 0 1,145
LOWES COS INC COM 548661107   591,316 2,657 SH   SOLE   0 0 2,657
ISHARES GOLD TR ISHARES NEW 464285204   588,768 15,085 SH   SOLE   0 0 15,085
AFLAC INC COM 001055102   557,370 6,756 SH   SOLE   0 0 6,756
INTUIT COM 461202103   551,902 883 SH   SOLE   0 0 883
COSTCO WHSL CORP NEW COM 22160K105   534,665 810 SH   SOLE   0 0 810
CINCINNATI FINL CORP COM 172062101   472,916 4,571 SH   SOLE   0 0 4,571
NORFOLK SOUTHN CORP COM 655844108   469,924 1,988 SH   SOLE   0 0 1,988
THE CIGNA GROUP COM 125523100   456,362 1,524 SH   SOLE   0 0 1,524
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   452,961 18,272 SH   SOLE   0 0 18,272
ELI LILLY & CO COM 532457108   437,190 750 SH   SOLE   0 0 750
DISNEY WALT CO COM 254687106   415,515 4,602 SH   SOLE   0 0 4,602
WASTE MGMT INC DEL COM 94106L109   415,512 2,320 SH   SOLE   0 0 2,320
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   406,195 4,330 SH   SOLE   0 0 4,330
CISCO SYS INC COM 17275R102   398,829 7,894 SH   SOLE   0 0 7,894
ISHARES TR MSCI EAFE ETF 464287465   396,718 5,265 SH   SOLE   0 0 5,265
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   392,881 7,696 SH   SOLE   0 0 7,696
ISHARES TR MSCI USA QLT FCT 46432F339   381,387 2,592 SH   SOLE   0 0 2,592
MASTERCARD INCORPORATED CL A 57636Q104   376,609 883 SH   SOLE   0 0 883
VANGUARD INDEX FDS GROWTH ETF 922908736   363,344 1,169 SH   SOLE   0 0 1,169
HONEYWELL INTL INC COM 438516106   348,329 1,661 SH   SOLE   0 0 1,661
NETFLIX INC COM 64110L106   321,341 660 SH   SOLE   0 0 660
STARBUCKS CORP COM 855244109   315,487 3,286 SH   SOLE   0 0 3,286
HERSHEY CO COM 427866108   310,237 1,664 SH   SOLE   0 0 1,664
COCA COLA CO COM 191216100   308,222 5,230 SH   SOLE   0 0 5,230
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   300,248 3,398 SH   SOLE   0 0 3,398
HARTFORD FINL SVCS GROUP INC COM 416515104   300,139 3,734 SH   SOLE   0 0 3,734
THOMSON REUTERS CORP. COM 884903808   294,049 2,011 SH   SOLE   0 0 2,011
MCDONALDS CORP COM 580135101   283,183 955 SH   SOLE   0 0 955
BLACKSTONE SECD LENDING FD COMMON STOCK 09261X102   276,207 9,993 SH   SOLE   0 0 9,993
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   272,604 5,691 SH   SOLE   0 0 5,691
UNION PAC CORP COM 907818108   269,691 1,098 SH   SOLE   0 0 1,098
DEERE & CO COM 244199105   267,114 668 SH   SOLE   0 0 668
ISHARES TR CORE MSCI EAFE 46432F842   262,898 3,737 SH   SOLE   0 0 3,737
RTX CORPORATION COM 75513E101   260,666 3,098 SH   SOLE   0 0 3,098
INVESCO QQQ TR UNIT SER 1 46090E103   255,950 625 SH   SOLE   0 0 625
BECTON DICKINSON & CO COM 075887109   253,584 1,040 SH   SOLE   0 0 1,040
ZIMMER BIOMET HOLDINGS INC COM 98956P102   252,528 2,075 SH   SOLE   0 0 2,075
ISHARES TR RUSSELL 2000 ETF 464287655   252,293 1,257 SH   SOLE   0 0 1,257
DUKE ENERGY CORP NEW COM NEW 26441C204   244,729 2,522 SH   SOLE   0 0 2,522
INTEL CORP COM 458140100   243,562 4,847 SH   SOLE   0 0 4,847
OAKTREE SPECIALTY LENDING CO COM 67401P405   240,078 11,757 SH   SOLE   0 0 11,757
AMERICAN TOWER CORP NEW COM 03027X100   227,538 1,054 SH   SOLE   0 0 1,054
BOEING CO COM 097023105   225,993 867 SH   SOLE   0 0 867
CATERPILLAR INC COM 149123101   224,710 760 SH   SOLE   0 0 760
EATON CORP PLC SHS G29183103   210,718 875 SH   SOLE   0 0 875
VANGUARD INDEX FDS TOTAL STK MKT 922908769   205,158 865 SH   SOLE   0 0 865
PFIZER INC COM 717081103   203,221 7,059 SH   SOLE   0 0 7,059
TRANSDIGM GROUP INC COM 893641100   202,320 200 SH   SOLE   0 0 200
MDU RES GROUP INC COM 552690109   198,000 10,000 SH   SOLE   0 0 10,000