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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AIR PRODS & CHEMS INC COM 009158106   259,913 1,007 SH   SOLE   1,007 0 0
APPLE INC COM 037833100   1,085,583 5,154 SH   SOLE   5,154 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   672,440 1,653 SH   SOLE   1,653 0 0
BURKE HERBERT FINL SVCS CORP COM 12135Y108   282,565 5,543 SH   SOLE   5,543 0 0
CISCO SYS INC COM 17275R102   205,347 4,322 SH   SOLE   4,322 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732   13,462,912 503,663 SH   SOLE   500,852 0 2,811
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   3,444,955 87,725 SH   SOLE   87,725 0 0
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799   25,777,056 980,489 SH   SOLE   972,359 0 8,130
DIMENSIONAL ETF TRUST US LARGE CAP VAL 25434V666   17,797,083 615,603 SH   SOLE   607,880 0 7,723
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,484,678 67,180 SH   SOLE   67,047 0 133
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   1,964,446 54,659 SH   SOLE   54,659 0 0
DIMENSIONAL ETF TRUST US SMALL CAP VAL 25434V815   17,700,074 615,013 SH   SOLE   607,249 0 7,764
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   2,519,637 48,576 SH   SOLE   48,576 0 0
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   276,212 8,255 SH   SOLE   8,255 0 0
DIMENSIONAL ETF TRUST GLOBAL CORE PLUS 25434V583   42,333,344 800,101 SH   SOLE   787,331 0 12,770
DIMENSIONAL ETF TRUST GLOBAL SUSTAINA 25434V674   271,699 5,317 SH   SOLE   5,317 0 0
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   8,860,754 354,572 SH   SOLE   350,957 0 3,615
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   846,469 14,089 SH   SOLE   14,089 0 0
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   214,138 6,642 SH   SOLE   6,642 0 0
ISHARES TR IBOXX INV CP ETF 464287242   267,800 2,500 SH   SOLE   2,500 0 0
ISHARES TR CORE S&P MCP ETF 464287507   345,268 5,900 SH   SOLE   5,900 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   397,966 2,281 SH   SOLE   2,281 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,041,926 1,904 SH   SOLE   1,904 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   609,096 1,671 SH   SOLE   1,671 0 0
JOHNSON & JOHNSON COM 478160104   278,697 1,907 SH   SOLE   1,907 0 0
MCDONALDS CORP COM 580135101   1,024,397 4,020 SH   SOLE   4,020 0 0
MICROSOFT CORP COM 594918104   959,761 2,147 SH   SOLE   2,147 0 0
NEW GOLD INC CDA COM 644535106   44,466 22,803 SH   SOLE   22,803 0 0
NORTHWEST BANCSHARES INC MD COM 667340103   968,109 83,819 SH   SOLE   83,819 0 0
ORACLE CORP COM 68389X105   323,072 2,288 SH   SOLE   2,288 0 0
PROCTER AND GAMBLE CO COM 742718109   564,722 3,424 SH   SOLE   3,424 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,380,925 18,641 SH   SOLE   18,545 0 96
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   641,026 24,135 SH   SOLE   23,888 0 247
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   310,370 6,541 SH   SOLE   6,395 0 146
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,076,164 10,672 SH   SOLE   10,611 0 61
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   971,258 25,280 SH   SOLE   25,280 0 0
SMUCKER J M CO COM NEW 832696405   207,939 1,907 SH   SOLE   1,907 0 0
SOUTHERN CO COM 842587107   384,712 4,960 SH   SOLE   4,960 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201   261,530 3,046 SH   SOLE   2,873 0 173
SPDR SER TR NUVEEN BLMBRG SH 78468R739   703,131 14,900 SH   SOLE   14,900 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   663,599 8,474 SH   SOLE   8,474 0 0
STOCK YDS BANCORP INC COM 861025104   805,992 16,227 SH   SOLE   16,227 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   50,594,377 659,640 SH   SOLE   650,460 0 9,180
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,821,718 37,430 SH   SOLE   26,380 0 11,050
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,158,819 6,349 SH   SOLE   6,349 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   65,447,282 174,988 SH   SOLE   172,718 0 2,270
VANGUARD INDEX FDS VALUE ETF 922908744   266,762 1,663 SH   SOLE   1,663 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595   26,098,054 104,338 SH   SOLE   103,611 0 727
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   333,587 667 SH   SOLE   667 0 0
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   531,352 7,814 SH   SOLE   6,941 0 873
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   799,813 16,184 SH   SOLE   16,184 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   322,322 7,816 SH   SOLE   7,816 0 0