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
APPLE INC COM 037833100 714 5,169 SH   SOLE   5,169 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 361 1,353 SH   SOLE   1,353 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 2,954 99,750 SH   SOLE   99,750 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 1,682 65,300 SH   SOLE   65,300 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 2,170 55,693 SH   SOLE   55,693 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 690 14,823 SH   SOLE   14,823 0 0
ISHARES TR IBOXX INV CP ETF 464287242 256 2,500 SH   SOLE   2,500 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 422 2,008 SH   SOLE   2,008 0 0
ISHARES TR CORE S&P MCP ETF 464287507 259 1,180 SH   SOLE   1,180 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 333 2,448 SH   SOLE   2,448 0 0
ISHARES TR MICRO-CAP ETF 464288869 813 7,865 SH   SOLE   4,775 0 3,090
ISHARES TR CORE S&P500 ETF 464287200 710 1,979 SH   SOLE   1,979 0 0
JOHNSON & JOHNSON COM 478160104 264 1,615 SH   SOLE   1,615 0 0
MCDONALDS CORP COM 580135101 756 3,276 SH   SOLE   3,276 0 0
MICROSOFT CORP COM 594918104 423 1,817 SH   SOLE   1,817 0 0
PROCTER AND GAMBLE CO COM 742718109 425 3,365 SH   SOLE   3,365 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,140 40,521 SH   SOLE   40,521 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 479 25,646 SH   SOLE   25,402 0 244
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 769 34,343 SH   SOLE   34,096 0 247
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 457 12,098 SH   SOLE   11,952 0 146
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 694 12,434 SH   SOLE   12,434 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,528 26,121 SH   SOLE   26,025 0 96
SPDR SER TR NUVEEN BLMBRG SH 78468R739 687 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 719 10,705 SH   SOLE   10,502 0 203
SPDR SER TR S&P 600 SMCP GRW 78464A201 224 3,282 SH   SOLE   3,143 0 139
STOCK YDS BANCORP INC COM 861025104 1,060 15,589 SH   SOLE   15,589 0 0
SUMMIT FINL GROUP INC COM 86606G101 278 10,327 SH   SOLE   10,327 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 47,978 641,252 SH   SOLE   632,942 0 8,310
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 777 16,273 SH   SOLE   5,098 0 11,175
VANGUARD INDEX FDS GROWTH ETF 922908736 34,198 159,842 SH   SOLE   158,685 0 1,157
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,068 7,445 SH   SOLE   7,445 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 19,062 97,690 SH   SOLE   97,037 0 653
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 639 17,578 SH   SOLE   17,578 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 283 7,464 SH   SOLE   7,464 0 0