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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 810,485 4,915 SH   SOLE   4,915 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 586,972 1,901 SH   SOLE   1,353 0 548
CISCO SYS INC COM 17275R102 BBG001S6HC62 219,376 4,197 SH   SOLE   4,197 0 0
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 2,265,228 50,904 SH   SOLE   50,904 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 3,317,433 137,853 SH   SOLE   126,365 0 11,488
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 BBG01BGVG000 275,705 5,317 SH   SOLE   5,317 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 2,358,453 94,603 SH   SOLE   92,135 0 2,468
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,882,026 58,394 SH   SOLE   58,394 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 772,459 14,658 SH   SOLE   14,658 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 2,054,616 95,608 SH   SOLE   90,173 0 5,435
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 1,015,031 43,028 SH   SOLE   42,895 0 133
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 3,161,199 94,421 SH   SOLE   94,421 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 295,189 1,180 SH   SOLE   1,180 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 467,403 1,913 SH   SOLE   1,913 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 798,728 1,943 SH   SOLE   1,943 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 274,025 2,500 SH   SOLE   2,500 0 0
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 884,991 8,468 SH   SOLE   4,937 0 3,531
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 362,988 2,384 SH   SOLE   2,384 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 252,027 1,626 SH   SOLE   1,626 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 981,995 3,512 SH   SOLE   3,512 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 523,944 1,817 SH   SOLE   1,817 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 208,709 2,246 SH   SOLE   2,246 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 502,961 3,383 SH   SOLE   3,383 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 218,525 3,451 SH   SOLE   3,451 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 722,850 29,480 SH   SOLE   29,233 0 247
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,192,631 34,271 SH   SOLE   34,271 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 831,309 12,756 SH   SOLE   12,756 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,514,701 23,097 SH   SOLE   23,001 0 96
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 425,757 10,154 SH   SOLE   10,008 0 146
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 421,239 21,602 SH   SOLE   21,164 0 438
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 307,538 4,170 SH   SOLE   4,031 0 139
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 708,495 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 741,993 9,740 SH   SOLE   9,537 0 203
STOCK YDS BANCORP INC COM 861025104 BBG001SBG219 867,001 15,724 SH   SOLE   15,724 0 0
SUMMIT FINL GROUP INC COM 86606G101 BBG001SDPJC6 217,257 10,470 SH   SOLE   10,470 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 47,245,267 617,666 SH   SOLE   602,941 0 14,725
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 2,780,906 56,846 SH   SOLE   44,112 0 12,734
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 40,522,539 162,454 SH   SOLE   161,234 0 1,220
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 257,756 3,104 SH   SOLE   3,104 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 258,736 688 SH   SOLE   688 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 20,735,199 95,814 SH   SOLE   95,089 0 725
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,084,966 6,834 SH   SOLE   6,834 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 874,672 19,364 SH   SOLE   19,364 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 291,821 7,504 SH   SOLE   7,504 0 0