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
iBonds Dec 2023 Corp COM 46434VAX8   9,504 379,705 SH   SOLE 23,745 0 355,960
SPDR Floating Rate COM 78468R200   11,079 364,568 SH   SOLE 22,753 0 341,815
iBonds Dec 2024 Corp COM 46434VBG4   7,205 295,053 SH   SOLE 19,468 0 275,585
iShares MSCI USA Min Vol COM 46429B697   19,804 274,670 SH   SOLE 46,649 0 228,021
iShares Treasury Floating Rate COM 46434V860   12,946 256,808 SH   SOLE 14,891 0 241,917
iShares Core Dividend Growth COM 46434V621   11,493 229,858 SH   SOLE 36,079 0 193,779
iShares Floating Rate Bond COM 46429B655   11,225 223,025 SH   SOLE 13,820 0 209,205
SPDR Portfolio Total Stock Market COM 78464A805   8,878 187,744 SH   SOLE 30,560 0 157,184
iShares MSCI USA Quality COM 46432F339   18,862 165,511 SH   SOLE 24,449 0 141,062
iShares MSCI USA Momentum COM 46432F396   14,390 98,611 SH   SOLE 14,069 0 84,542
iBonds Dec 2023 Treasury COM 46436E882   2,315 93,720 SH   SOLE 0 0 93,720
Vanguard FTSE Developed Markets COM 921943858   3,530 84,117 SH   SOLE 7,060 0 77,057
Vanguard Value COM 922908744   11,395 81,177 SH   SOLE 12,437 0 68,740
Invesco FTSE RAFI US 1000 COM 46137V613   12,464 80,333 SH   SOLE 12,669 0 67,664
Vanguard FTSE All-World ex-US COM 922042775   3,996 79,688 SH   SOLE 7,790 0 71,898
iBonds Dec 2024 Treasury COM 46436E874   1,288 54,010 SH   SOLE 0 0 54,010
Vanguard Mid-Cap Value COM 922908512   4,884 36,111 SH   SOLE 3,199 0 32,912
Vanguard Small Cap Value COM 922908611   5,350 33,692 SH   SOLE 2,833 0 30,859
Vanguard U.S. Value Factor COM 921935805   3,304 33,483 SH   SOLE 5,101 0 28,382
iBonds Dec 2023 Muni COM 46435G318   678 26,751 SH   SOLE 0 0 26,751
Cincinnati Financial COM 172062101   2,635 25,731 SH   SOLE 0 0 25,731
Vanguard Mid-Cap COM 922908629   5,006 24,562 SH   SOLE 2,109 0 22,453
iBonds Dec 2024 Muni COM 46435U697   534 20,741 SH   SOLE 0 0 20,741
Vanguard Small-Cap ETF COM 922908751   3,725 20,293 SH   SOLE 1,737 0 18,556
CSX Corporation COM 126408103   523 16,890 SH   SOLE 0 0 16,890
SPDR SSGA US Low Vol COM 78468R804   2,182 16,087 SH   SOLE 1,100 0 14,987
Vanguard U.S. Momentum COM 921935508   1,516 13,293 SH   SOLE 696 0 12,597
Apple Inc. COM 037833100   1,667 12,828 SH   SOLE 3,010 0 9,818
Bandwidth Inc. COM 05988J103   292 12,711 SH   SOLE 0 0 12,711
iShares S&P Mid-Cap COM 464287507   2,853 11,793 SH   SOLE 784 0 11,009
Vanguard Growth COM 922908736   2,064 9,684 SH   SOLE 2,849 0 6,835
iShares ESG MSCI EAFE COM 46435G516   633 9,631 SH   SOLE 219 0 9,412
Alphabet Inc Cl C COM 02079K107   813 9,159 SH   SOLE 1,780 0 7,379
Schwab US Dividend Equity COM 808524797   583 7,717 SH   SOLE 565 0 7,152
Microsoft COM 594918104   1,399 5,835 SH   SOLE 657 0 5,178
Amazon.com COM 023135106   432 5,146 SH   SOLE 1,120 0 4,026
Berkshire Hathaway Cl B COM 084670702   1,548 5,011 SH   SOLE 696 0 4,315
Procter & Gamble COM 742718109   731 4,820 SH   SOLE 1,170 0 3,650
Pepsico COM 713448108   583 3,226 SH   SOLE 0 0 3,226
Union Pacific COM 907818108   651 3,142 SH   SOLE 0 0 3,142
Nike Inc. COM 654106103   362 3,093 SH   SOLE 0 0 3,093
Blackrock, Inc. COM 09247X101   1,009 1,424 SH   SOLE 243 0 1,181
McDonalds COM 580135101   317 1,203 SH   SOLE 0 0 1,203
Costco Wholesale COM 22160K105   378 828 SH   SOLE 0 0 828