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
APPLE INC COM 037833100 902 5,165 SH   SOLE   5,165 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 477 1,353 SH   SOLE   1,353 0 0
CISCO SYS INC COM 17275R102 228 4,096 SH   SOLE   4,096 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 563 2,028 SH   SOLE   2,028 0 0
ISHARES TR CORE S&P MCP ETF 464287507 318 1,184 SH   SOLE   1,184 0 0
ISHARES TR CORE S&P500 ETF 464287200 898 1,979 SH   SOLE   1,979 0 0
ISHARES TR IBOXX INV CP ETF 464287242 302 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 763 5,918 SH   SOLE   3,149 0 2,769
ISHARES TR RUS 1000 VAL ETF 464287598 406 2,448 SH   SOLE   2,448 0 0
JOHNSON & JOHNSON COM 478160104 284 1,605 SH   SOLE   1,605 0 0
MCDONALDS CORP COM 580135101 801 3,241 SH   SOLE   3,241 0 0
MICROSOFT CORP COM 594918104 560 1,817 SH   SOLE   1,817 0 0
PROCTER AND GAMBLE CO COM 742718109 512 3,349 SH   SOLE   3,349 0 0
REALTY INCOME CORP COM 756109104 229 3,299 SH   SOLE   3,299 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 617 13,034 SH   SOLE   12,888 0 146
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 891 32,093 SH   SOLE   31,846 0 247
SCHWAB STRATEGIC TR US REIT ETF 808524847 678 27,258 SH   SOLE   27,014 0 244
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,893 26,516 SH   SOLE   26,420 0 96
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,552 42,278 SH   SOLE   42,278 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 931 12,438 SH   SOLE   12,438 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 959 11,512 SH   SOLE   11,309 0 203
SPDR SER TR NUVEEN BLMBRG SH 78468R739 705 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 280 3,341 SH   SOLE   3,202 0 139
STOCK YDS BANCORP INC COM 861025104 817 15,435 SH   SOLE   15,435 0 0
SUMMIT FINL GROUP INC COM 86606G101 261 10,204 SH   SOLE   10,204 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 52,213 670,251 SH   SOLE   661,412 0 8,839
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 609 11,622 SH   SOLE   805 0 10,817
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,351 7,679 SH   SOLE   7,679 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 21,776 87,761 SH   SOLE   87,254 0 507
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 210 506 SH   SOLE   506 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 259 2,388 SH   SOLE   2,388 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 43,280 150,486 SH   SOLE   149,645 0 841
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 382 4,895 SH   SOLE   4,895 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 696 14,485 SH   SOLE   14,485 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 388 7,622 SH   SOLE   7,622 0 0