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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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 706 5,167 SH   SOLE   5,167 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 369 1,353 SH   SOLE   1,353 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 2,021 69,972 SH   SOLE   69,972 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 3,154 99,822 SH   SOLE   99,822 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 2,500 62,152 SH   SOLE   62,152 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 802 16,712 SH   SOLE   16,712 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 444 2,028 SH   SOLE   2,028 0 0
ISHARES TR IBOXX INV CP ETF 464287242 275 2,500 SH   SOLE   2,500 0 0
ISHARES TR CORE S&P500 ETF 464287200 750 1,979 SH   SOLE   1,979 0 0
ISHARES TR MICRO-CAP ETF 464288869 900 8,653 SH   SOLE   3,926 0 4,727
ISHARES TR CORE S&P MCP ETF 464287507 268 1,184 SH   SOLE   1,184 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 355 2,448 SH   SOLE   2,448 0 0
JOHNSON & JOHNSON COM 478160104 286 1,610 SH   SOLE   1,610 0 0
MCDONALDS CORP COM 580135101 805 3,259 SH   SOLE   3,259 0 0
MICROSOFT CORP COM 594918104 467 1,817 SH   SOLE   1,817 0 0
PROCTER AND GAMBLE CO COM 742718109 483 3,357 SH   SOLE   3,357 0 0
REALTY INCOME CORP COM 756109104 228 3,335 SH   SOLE   3,335 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 477 12,234 SH   SOLE   12,088 0 146
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 724 12,485 SH   SOLE   12,485 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,640 26,280 SH   SOLE   26,184 0 96
SCHWAB STRATEGIC TR US REIT ETF 808524847 552 26,171 SH   SOLE   25,927 0 244
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 829 32,663 SH   SOLE   32,416 0 247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,307 41,564 SH   SOLE   41,564 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 231 3,282 SH   SOLE   3,143 0 139
SPDR SER TR S&P 600 SMCP VAL 78464A300 778 10,750 SH   SOLE   10,547 0 203
SPDR SER TR NUVEEN BLMBRG SH 78468R739 704 14,900 SH   SOLE   14,900 0 0
STOCK YDS BANCORP INC COM 861025104 928 15,516 SH   SOLE   15,516 0 0
SUMMIT FINL GROUP INC COM 86606G101 285 10,267 SH   SOLE   10,267 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 50,122 652,722 SH   SOLE   643,691 0 9,031
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,166 23,542 SH   SOLE   5,012 0 18,530
VANGUARD INDEX FDS SML CP GRW ETF 922908595 19,078 96,828 SH   SOLE   96,119 0 709
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,144 7,637 SH   SOLE   7,637 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 210 2,304 SH   SOLE   2,304 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 35,591 159,681 SH   SOLE   158,735 0 946
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 658 16,118 SH   SOLE   16,118 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 388 7,638 SH   SOLE   7,638 0 0