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
Anthem Inc Stock 036752103   424,876 901 SH   SOLE   901 0 0
Johnson & Johnson Stock 478160104   776,114 4,952 SH   SOLE   4,951 0 0
Vanguard Total Stock Market ETF ETF 922908769   351,277 1,481 SH   SOLE   1,480 0 0
iShares MSCI Emerging Markets ETF ETF 464287234   578,805 14,395 SH   SOLE   14,394 0 0
Shell PLC ADR 780259305   238,367 3,623 SH   SOLE   3,622 0 0
Procter & Gamble Co Stock 742718109   5,648,380 38,545 SH   SOLE   38,544 0 0
United Parcel Service Inc Stock 911312106   314,991 2,003 SH   SOLE   2,003 0 0
Vanguard Real Estate ETF ETF 922908553   526,732 5,961 SH   SOLE   5,961 0 0
Merck & Co Inc Stock 58933Y105   428,647 3,932 SH   SOLE   3,931 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   525,192 4,981 SH   SOLE   4,981 0 0
SPDR S&P 500 ETF Trust ETF 78462F103   764,094 1,608 SH   SOLE   1,607 0 0
Illinois Tool Works Inc Stock 452308109   371,968 1,420 SH   SOLE   1,420 0 0
Diageo PLC ADR 25243Q205   209,267 1,437 SH   SOLE   1,436 0 0
iShares Core US REIT ETF ETF 464288521   235,556 4,339 SH   SOLE   4,338 0 0
American Financial Group Inc Stock 025932104   300,356 2,526 SH   SOLE   2,526 0 0
Verizon Communications Inc Stock 92343V104   361,000 9,576 SH   SOLE   9,575 0 0
PepsiCo Inc Stock 713448108   503,399 2,964 SH   SOLE   2,963 0 0
Honeywell International Inc Stock 438516106   257,794 1,229 SH   SOLE   1,229 0 0
Trane Technologies PLC Stock G8994E103   521,282 2,137 SH   SOLE   2,137 0 0
U.S. Bancorp Stock 902973304   229,855 5,311 SH   SOLE   5,310 0 0
The Home Depot Inc Stock 437076102   583,410 1,683 SH   SOLE   1,683 0 0
Automatic Data Processing Inc Stock 053015103   350,250 1,503 SH   SOLE   1,503 0 0
Southern Co Stock 842587107   223,384 3,186 SH   SOLE   3,185 0 0
iShares Russell 1000 Growth ETF ETF 464287614   2,732,460 9,013 SH   SOLE   9,012 0 0
Schwab US Broad Market ETF ETF 808524102   557,757 10,019 SH   SOLE   10,018 0 0
Schwab International Equity ETF ETF 808524805   201,929 5,463 SH   SOLE   5,463 0 0
JPMorgan Ultra-Short Income ETF ETF 46641Q837   597,126 11,888 SH   SOLE   11,887 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   35,637,563 329,215 SH   SOLE   329,215 0 0
Berkshire Hathaway Inc Stock 084670702   718,976 2,016 SH   SOLE   2,015 0 0
Adobe Inc Stock 00724F101   320,374 537 SH   SOLE   537 0 0
Alphabet Inc Stock 02079K305   856,160 6,129 SH   SOLE   6,129 0 0
Fiserv Inc Stock 337738108   307,657 2,316 SH   SOLE   2,316 0 0
CSX Corp Stock 126408103   746,654 21,536 SH   SOLE   21,536 0 0
Comcast Corp Stock 20030N101   392,476 8,950 SH   SOLE   8,950 0 0
iShares iBonds Dec 2024 Term Muni Bond ETF 46435U697   306,152 11,807 SH   SOLE   11,806 0 0
Microsoft Corp Stock 594918104   2,422,509 6,442 SH   SOLE   6,442 0 0
CVS Health Corp Stock 126650100   255,012 3,230 SH   SOLE   3,229 0 0
KEURIG DR PEPPER INC COM Stock 49271V100   205,704 6,174 SH   SOLE   6,173 0 0
Vanguard Small-Cap ETF ETF 922908751   579,079 2,714 SH   SOLE   2,714 0 0
NextEra Energy Inc Stock 65339F101   284,090 4,677 SH   SOLE   4,677 0 0
Norfolk Southern Corp Stock 655844108   374,869 1,586 SH   SOLE   1,585 0 0
iShares iBonds Dec 2025 Term Muni Bd ETF ETF 46435U432   306,545 11,548 SH   SOLE   11,548 0 0
Dow Inc Stock 260557103   239,754 4,372 SH   SOLE   4,371 0 0
Vanguard S&P 500 ETF ETF 922908363   1,562,980 3,578 SH   SOLE   3,578 0 0
iShares iBonds Dec 2026 Term Muni Bond ETF ETF 46435U259   204,415 8,013 SH   SOLE   8,012 0 0
LCNB Corp Stock 50181P100   1,177,861 74,690 SH   SOLE   74,690 0 0
iShares MSCI EAFE Growth ETF ETF 464288885   669,995 6,918 SH   SOLE   6,917 0 0
Duke Energy Corp Stock 26441C204   419,993 4,328 SH   SOLE   4,328 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   372,326 5,942 SH   SOLE   5,942 0 0
iShares MSCI EAFE Value ETF ETF 464288877   3,923,862 75,314 SH   SOLE   75,314 0 0
Visa Inc Stock 92826C839   276,712 1,063 SH   SOLE   1,062 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   225,092 2,885 SH   SOLE   2,884 0 0
Vanguard Growth ETF ETF 922908736   252,124 811 SH   SOLE   811 0 0
SPDR SSgA Multi-Asset Real Return ETF ETF 78467V103   641,854 23,580 SH   SOLE   23,580 0 0
Broadcom Inc Stock 11135F101   652,528 585 SH   SOLE   584 0 0
iShares Core MSCI Total Intl Stk ETF ETF 46432F834   771,155 11,877 SH   SOLE   11,876 0 0
Accenture PLC Stock G1151C101   395,336 1,127 SH   SOLE   1,126 0 0
iShares 1-5 Year invmt Grd Corp Bd ETF ETF 464288646   231,008 4,505 SH   SOLE   4,505 0 0
EOG Resources Inc Stock 26875P101   239,899 1,983 SH   SOLE   1,983 0 0
AbbVie Inc Stock 00287Y109   565,566 3,650 SH   SOLE   3,649 0 0
Vanguard FTSE All-Wld ex-US ETF ETF 922042775   284,829 5,074 SH   SOLE   5,073 0 0
Qualcomm Inc Stock 747525103   478,305 3,307 SH   SOLE   3,307 0 0
Cisco Systems Inc Stock 17275R102   232,168 4,596 SH   SOLE   4,595 0 0
iShares Russell Mid-Cap ETF ETF 464287499   277,143 3,565 SH   SOLE   3,565 0 0
Schwab Fundamental US Small Company ETF ETF 808524763   564,787 10,204 SH   SOLE   10,203 0 0
General Electric Co Stock 369604301   516,595 4,048 SH   SOLE   4,047 0 0
SPDR Portfolio Short Term Treasury ETF ETF 78468R101   974,223 33,536 SH   SOLE   33,536 0 0
iShares MSCI USA Quality Factor ETF ETF 46432F339   694,867 4,722 SH   SOLE   4,722 0 0
iShares Core S&P 500 ETF ETF 464287200   94,646,111 198,158 SH   SOLE   198,157 0 0
iShares IBonds Dec. 2026 Corporate Bond ETF ETF 46435GAA0   845,453 35,375 SH   SOLE   35,374 0 0
Cintas Corp Stock 172908105   251,479 417 SH   SOLE   417 0 0
Northrop Grumman Corp Stock 666807102   287,760 615 SH   SOLE   614 0 0
Thermo Fisher Scientific Inc Stock 883556102   316,387 596 SH   SOLE   596 0 0
JPMorgan Chase & Co Stock 46625H100   890,926 5,238 SH   SOLE   5,237 0 0
The Hartford Financial Services Group Inc Stock 416515104   278,195 3,461 SH   SOLE   3,461 0 0
Chevron Corp Stock 166764100   476,077 3,192 SH   SOLE   3,191 0 0
iShares National Muni Bond ETF ETF 464288414   1,024,081 9,446 SH   SOLE   9,446 0 0
Vanguard FTSE Developed Markets ETF ETF 921943858   378,719 7,906 SH   SOLE   7,906 0 0
TJX Companies Inc Stock 872540109   405,559 4,323 SH   SOLE   4,323 0 0
Walmart Inc Stock 931142103   429,341 2,723 SH   SOLE   2,723 0 0
iShares 3-7 Year Treasury Bond ETF ETF 464288661   1,045,158 8,923 SH   SOLE   8,923 0 0
International Business Machines Corp Stock 459200101   241,563 1,477 SH   SOLE   1,476 0 0
Raytheon Technologies Corp Stock 75513E101   248,071 2,948 SH   SOLE   2,948 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   297,268 7,233 SH   SOLE   7,232 0 0
Target Corp Stock 87612E106   236,595 1,661 SH   SOLE   1,661 0 0
Alphabet Inc Stock 02079K107   388,922 2,760 SH   SOLE   2,759 0 0
Amgen Inc Stock 031162100   418,814 1,454 SH   SOLE   1,454 0 0
Williams Companies Inc Stock 969457100   417,687 11,992 SH   SOLE   11,992 0 0
Vanguard Dividend Appreciation ETF ETF 921908844   239,127 1,403 SH   SOLE   1,403 0 0
iShares 7-10 Year Treasury Bond ETF ETF 464287440   895,480 9,290 SH   SOLE   9,290 0 0
iShares Core US Aggregate Bond ETF ETF 464287226   395,736 3,987 SH   SOLE   3,987 0 0
Citizens Financial Group Inc Stock 174610105   240,992 7,272 SH   SOLE   7,271 0 0
BorgWarner Inc Stock 099724106   291,336 8,127 SH   SOLE   8,126 0 0
Hillenbrand Inc Stock 431571108   1,025,426 21,430 SH   SOLE   21,430 0 0
Bristol-Myers Squibb Co Stock 110122108   261,630 5,099 SH   SOLE   5,099 0 0
Exxon Mobil Corp Stock 30231G102   405,436 4,055 SH   SOLE   4,055 0 0
Charles Schwab Corp Stock 808513105   313,549 4,557 SH   SOLE   4,557 0 0
Crown Castle International Corp REIT 22822V101   324,416 2,816 SH   SOLE   2,816 0 0
iShares Core S&P Mid-Cap ETF ETF 464287507   3,633,951 13,112 SH   SOLE   13,111 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746   228,070 4,468 SH   SOLE   4,467 0 0
iShares MSCI EAFE ETF ETF 464287465   458,831 6,089 SH   SOLE   6,089 0 0
Apple Inc Stock 037833100   4,155,838 21,585 SH   SOLE   21,585 0 0
iShares iBonds Dec. 2025 Corporate Bond ETF ETF 46434VBD1   894,902 36,143 SH   SOLE   36,143 0 0
iShares iBonds Dec. 2024 Corporate Bond ETF ETF 46434VBG4   915,676 36,759 SH   SOLE   36,759 0 0
Abbott Laboratories Stock 002824100   489,441 4,447 SH   SOLE   4,446 0 0
iShares Russell 1000 Value ETF ETF 464287598   699,807 4,235 SH   SOLE   4,234 0 0