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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR SHRT NAT MUN ETF 464288158 280 2,601 SH   SOLE   0 0 2,601
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 75,303 2,470,565 SH   SOLE   0 0 2,470,565
DANAHER CORPORATION COM 235851102 375 1,231 SH   SOLE   0 0 1,231
ISHARES TR NATIONAL MUN ETF 464288414 713 6,140 SH   SOLE   0 0 6,140
DISNEY WALT CO COM 254687106 412 2,438 SH   SOLE   0 0 2,438
MASTERCARD INCORPORATED CL A 57636Q104 874 2,513 SH   SOLE   0 0 2,513
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,138 4,982 SH   SOLE   0 0 4,982
ABBOTT LABS COM 002824100 958 8,112 SH   SOLE   0 0 8,112
BK OF AMERICA CORP COM 060505104 301 7,081 SH   SOLE   0 0 7,081
AMERICAN EXPRESS CO COM 025816109 309 1,845 SH   SOLE   0 0 1,845
THE TRADE DESK INC COM CL A 88339J105 260 3,700 SH   SOLE   0 0 3,700
PEPSICO INC COM 713448108 369 2,455 SH   SOLE   0 0 2,455
ISHARES TR TIPS BD ETF 464287176 515 4,032 SH   SOLE   0 0 4,032
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 313 6,201 SH   SOLE   0 0 6,201
SELECT SECTOR SPDR TR ENERGY 81369Y506 179,803 3,451,769 SH   SOLE   0 0 3,451,769
NUSHARES ETF TR NUVEEN ESG MIDVL 67092P508 208 5,740 SH   SOLE   0 0 5,740
NEXTERA ENERGY INC COM 65339F101 242 3,083 SH   SOLE   0 0 3,083
ISHARES TR MSCI USA MIN VOL 46429B697 216 2,935 SH   SOLE   0 0 2,935
HUNTINGTON BANCSHARES INC COM 446150104 308 19,917 SH   SOLE   0 0 19,917
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 498 1,557 SH   SOLE   0 0 1,557
LOWES COS INC COM 548661107 255 1,256 SH   SOLE   0 0 1,256
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300 805 21,483 SH   SOLE   0 0 21,483
APPLE INC COM 037833100 3,016 21,311 SH   SOLE   0 0 21,311
AMAZON COM INC COM 023135106 1,153 351 SH   SOLE   0 0 351
TEXAS INSTRS INC COM 882508104 304 1,581 SH   SOLE   0 0 1,581
DELTA AIR LINES INC DEL COM NEW 247361702 358 8,391 SH   SOLE   0 0 8,391
ORACLE CORP COM 68389X105 533 6,114 SH   SOLE   0 0 6,114
AMERIPRISE FINL INC COM 03076C106 214 809 SH   SOLE   0 0 809
TRUIST FINL CORP COM 89832Q109 276 4,706 SH   SOLE   0 0 4,706
VANGUARD INDEX FDS GROWTH ETF 922908736 999 3,444 SH   SOLE   0 0 3,444
WISDOMTREE TR JAPN HEDGE EQT 97717W851 337 5,342 SH   SOLE   0 0 5,342
US BANCORP DEL COM NEW 902973304 265 4,460 SH   SOLE   0 0 4,460
WALMART INC COM 931142103 248 1,782 SH   SOLE   0 0 1,782
CHURCHILL DOWNS INC COM 171484108 212 885 SH   SOLE   0 0 885
SPDR SER TR S&P 600 SMCP VAL 78464A300 68,133 831,301 SH   SOLE   0 0 831,301
JPMORGAN CHASE & CO COM 46625H100 478 2,923 SH   SOLE   0 0 2,923
COMCAST CORP NEW CL A 20030N101 328 5,872 SH   SOLE   0 0 5,872
CISCO SYS INC COM 17275R102 205 3,767 SH   SOLE   0 0 3,767
ABBVIE INC COM 00287Y109 625 5,798 SH   SOLE   0 0 5,798
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 934 3,423 SH   SOLE   0 0 3,423
ISHARES INC CORE MSCI EMKT 46434G103 105,057 1,701,051 SH   SOLE   0 0 1,701,051
THERATECHNOLOGIES INC COM 88338H100 661 176,291 SH   SOLE   0 0 176,291
VANGUARD INDEX FDS VALUE ETF 922908744 947 6,999 SH   SOLE   0 0 6,999
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 400 2,704 SH   SOLE   0 0 2,704
VISA INC COM CL A 92826C839 310 1,393 SH   SOLE   0 0 1,393
VANGUARD INDEX FDS SML CP GRW ETF 922908595 318 1,135 SH   SOLE   0 0 1,135
LILLY ELI & CO COM 532457108 213 923 SH   SOLE   0 0 923
ISHARES TR CORE S&P TTL STK 464287150 1,735 17,635 SH   SOLE   0 0 17,635
FACEBOOK INC CL A 30303M102 337 994 SH   SOLE   0 0 994
ILLINOIS TOOL WKS INC COM 452308109 354 1,711 SH   SOLE   0 0 1,711
VANGUARD INDEX FDS TOTAL STK MKT 922908769 251 1,132 SH   SOLE   0 0 1,132
ISHARES TR CORE MSCI INTL 46435G326 272 4,076 SH   SOLE   0 0 4,076
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 778 1,617 SH   SOLE   0 0 1,617
ISHARES GOLD TR ISHARES NEW 464285204 864 25,857 SH   SOLE   0 0 25,857
CITIGROUP INC COM NEW 172967424 217 3,087 SH   SOLE   0 0 3,087
HOME DEPOT INC COM 437076102 256 780 SH   SOLE   0 0 780
NETFLIX INC COM 64110L106 308 505 SH   SOLE   0 0 505
COCA COLA CO COM 191216100 281 5,360 SH   SOLE   0 0 5,360
INTERNATIONAL BUSINESS MACHS COM 459200101 255 1,833 SH   SOLE   0 0 1,833
SIRIUS XM HOLDINGS INC COM 82968B103 67 11,000 SH   SOLE   0 0 11,000
VERIZON COMMUNICATIONS INC COM 92343V104 209 3,870 SH   SOLE   0 0 3,870
NVIDIA CORPORATION COM 67066G104 353 1,702 SH   SOLE   0 0 1,702
TESLA INC COM 88160R101 388 500 SH   SOLE   0 0 500
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,096 2,780 SH   SOLE   0 0 2,780
OREILLY AUTOMOTIVE INC COM 67103H107 202 330 SH   SOLE   0 0 330
SCHWAB STRATEGIC TR US TIPS ETF 808524870 3,463 55,332 SH   SOLE   0 0 55,332
LANCASTER COLONY CORP COM 513847103 2,329 13,794 SH   SOLE   0 0 13,794
MICROSOFT CORP COM 594918104 2,116 7,506 SH   SOLE   0 0 7,506
ISHARES TR CORE MSCI EAFE 46432F842 685 9,222 SH   SOLE   0 0 9,222
ISHARES TR RUS 1000 ETF 464287622 9,519 39,381 SH   SOLE   0 0 39,381
RAYTHEON TECHNOLOGIES CORP COM 75513E101 237 2,760 SH   SOLE   0 0 2,760
MERCK & CO INC COM 58933Y105 344 4,577 SH   SOLE   0 0 4,577
MCDONALDS CORP COM 580135101 402 1,668 SH   SOLE   0 0 1,668
ISHARES TR S&P MC 400VL ETF 464287705 110,618 1,073,545 SH   SOLE   0 0 1,073,545
ALPHABET INC CAP STK CL A 02079K305 385 144 SH   SOLE   0 0 144
GENERAL MTRS CO COM 37045V100 234 4,438 SH   SOLE   0 0 4,438
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 39,135 764,506 SH   SOLE   0 0 764,506
ALPHABET INC CAP STK CL C 02079K107 349 131 SH   SOLE   0 0 131
SPDR SER TR NUVEEN BLMBRG SR 78468R739 219 4,443 SH   SOLE   0 0 4,443
NORWEGIAN CRUISE LINE HLDG L SHS G66721104 206 7,696 SH   SOLE   0 0 7,696
MORGAN STANLEY COM NEW 617446448 452 4,644 SH   SOLE   0 0 4,644
ALMADEN MINERALS LTD COM CL B 020283305 6 15,000 SH   SOLE   0 0 15,000
FORD MTR CO DEL COM 345370860 233 16,422 SH   SOLE   0 0 16,422
SPDR SER TR PRTFLO S&P500 VL 78464A508 520,824 13,354,462 SH   SOLE   0 0 13,354,462
ISHARES TR CORE S&P500 ETF 464287200 699 1,622 SH   SOLE   0 0 1,622
ISHARES TR SHORT TREAS BD 464288679 1,845 16,700 SH   SOLE   0 0 16,700
PAYPAL HLDGS INC COM 70450Y103 238 916 SH   SOLE   0 0 916
SPDR SER TR S&P 600 SML CAP 78464A813 881 9,304 SH   SOLE   0 0 9,304
LULULEMON ATHLETICA INC COM 550021109 234 578 SH   SOLE   0 0 578
AIR PRODS & CHEMS INC COM 009158106 295 1,150 SH   SOLE   0 0 1,150
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 435 6,964 SH   SOLE   0 0 6,964
JOHNSON & JOHNSON COM 478160104 401 2,484 SH   SOLE   0 0 2,484
VANGUARD INDEX FDS SM CP VAL ETF 922908611 288 1,701 SH   SOLE   0 0 1,701
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 360 5,328 SH   SOLE   0 0 5,328
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 926 9,254 SH   SOLE   0 0 9,254