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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100 BBG001S5N8V8 992,523 5,117 SH   SOLE   5,117 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 648,241 1,901 SH   SOLE   1,353 0 548
CISCO SYS INC COM 17275R102 BBG001S6HC62 218,515 4,223 SH   SOLE   4,223 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 BBG017159MD8 1,824,265 75,853 SH   SOLE   75,720 0 133
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815 BBG015DG3GG1 3,123,013 121,518 SH   SOLE   117,475 0 4,043
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 BBG01631TNW2 5,966,585 245,842 SH   SOLE   234,354 0 11,488
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666 BBG01BN5Z188 1,251,509 49,272 SH   SOLE   49,272 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 BBG012G21Y06 1,877,546 57,155 SH   SOLE   57,155 0 0
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 BBG015GTL6R0 3,327,143 154,607 SH   SOLE   148,119 0 6,488
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 BBG011DXY0L8 2,322,655 50,068 SH   SOLE   50,068 0 0
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 BBG011DXXVM0 803,345 14,660 SH   SOLE   14,660 0 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 BBG0177CTQC7 3,255,005 94,348 SH   SOLE   94,348 0 0
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674 BBG01BGVG000 271,887 5,317 SH   SOLE   5,317 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 270,350 2,500 SH   SOLE   2,500 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 494,774 1,798 SH   SOLE   1,798 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 308,546 1,180 SH   SOLE   1,180 0 0
ISHARES TR MICRO-CAP ETF 464288869 BBG001SP7X10 932,548 8,532 SH   SOLE   4,711 0 3,821
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 376,267 2,384 SH   SOLE   2,384 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 866,015 1,943 SH   SOLE   1,943 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 311,497 1,882 SH   SOLE   1,882 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 1,053,310 3,530 SH   SOLE   3,530 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 721,045 2,117 SH   SOLE   2,117 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 268,616 2,256 SH   SOLE   2,256 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 514,516 3,391 SH   SOLE   3,391 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 208,929 3,494 SH   SOLE   3,494 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 708,063 28,748 SH   SOLE   28,501 0 247
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 438,613 10,014 SH   SOLE   9,868 0 146
SCHWAB STRATEGIC TR US REIT ETF 808524847 BBG001V039G2 410,989 21,044 SH   SOLE   20,606 0 438
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 873,018 11,648 SH   SOLE   11,648 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 1,216,841 34,133 SH   SOLE   34,133 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 1,523,882 22,714 SH   SOLE   22,618 0 96
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 320,923 4,170 SH   SOLE   4,031 0 139
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 701,045 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 724,814 9,390 SH   SOLE   9,187 0 203
STOCK YDS BANCORP INC COM 861025104 BBG001SBG219 717,182 15,807 SH   SOLE   15,807 0 0
SUMMIT FINL GROUP INC COM 86606G101 BBG001SDPJC6 218,143 10,559 SH   SOLE   10,559 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 47,289,450 625,770 SH   SOLE   610,810 0 14,960
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 2,851,073 58,328 SH   SOLE   45,095 0 13,233
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 271,486 3,249 SH   SOLE   3,249 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 45,072,430 159,289 SH   SOLE   158,106 0 1,183
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,124,224 6,797 SH   SOLE   6,797 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 280,209 688 SH   SOLE   688 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 22,185,710 96,569 SH   SOLE   95,844 0 725
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 888,272 19,235 SH   SOLE   19,235 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 287,292 7,725 SH   SOLE   7,725 0 0