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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 571 3,214 SH   SOLE   0 0 3,214
ABBOTT LABS COM 002824100 1,888 13,416 SH   SOLE   0 0 13,416
ABBVIE INC COM 00287Y109 1,791 13,228 SH   SOLE   0 0 13,228
ABERDEEN ASIA-PACIFIC INCOME COM 003009107 96 25,128 SH   SOLE   0 0 25,128
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 413 997 SH   SOLE   0 0 997
ALPHABET INC CAP STK CL A 02079K305 9,479 3,272 SH   SOLE   0 0 3,272
ALPHABET INC CAP STK CL C 02079K107 67 23 SH   DFND 2 0 0 23
ALPHABET INC CAP STK CL C 02079K107 205 71 SH   SOLE   0 0 71
ALTRIA GROUP INC COM 02209S103 324 6,841 SH   SOLE   0 0 6,841
AMAZON COM INC COM 023135106 127 38 SH   DFND 01, 02 0 0 38
AMAZON COM INC COM 023135106 1,350 405 SH   SOLE   0 0 405
AMGEN INC COM 031162100 622 2,766 SH   SOLE   0 0 2,766
AMPIO PHARMACEUTICALS INC COM 03209T109 6 10,000 SH   SOLE   0 0 10,000
APPLE INC COM 037833100 102 577 SH   DFND 01, 02 0 0 577
APPLE INC COM 037833100 21,972 123,736 SH   SOLE   0 0 123,736
APPLE INC COM 037833100 5 1,000 SH Call SOLE   0 0 1,000
AT&T INC COM 00206R102 385 15,661 SH   SOLE   0 0 15,661
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 756 2,530 SH   SOLE   0 0 2,530
BK OF AMERICA CORP COM 060505104 327 7,346 SH   SOLE   0 0 7,346
BOEING CO COM 097023105 5,298 26,314 SH   SOLE   0 0 26,314
BRISTOL-MYERS SQUIBB CO COM 110122108 3,843 61,633 SH   SOLE   0 0 61,633
CATERPILLAR INC COM 149123101 319 1,545 SH   SOLE   0 0 1,545
CHEVRON CORP NEW COM 166764100 1,020 8,693 SH   SOLE   0 0 8,693
CINCINNATI FINL CORP COM 172062101 445 3,903 SH   SOLE   0 0 3,903
CISCO SYS INC COM 17275R102 879 13,868 SH   SOLE   0 0 13,868
CISCO SYS INC COM 17275R102 8 1,300 SH Call SOLE   0 0 1,300
COCA COLA CO COM 191216100 309 5,211 SH   SOLE   0 0 5,211
COMMERCIAL METALS CO COM 201723103 4,647 128,041 SH   SOLE   0 0 128,041
CVS HEALTH CORP COM 126650100 358 3,467 SH   SOLE   0 0 3,467
CVS HEALTH CORP COM 126650100 19 1,700 SH Call SOLE   0 0 1,700
DISNEY WALT CO COM 254687106 12 75 SH   DFND 1 0 0 75
DISNEY WALT CO COM 254687106 5,399 34,859 SH   SOLE   0 0 34,859
EATON CORP PLC SHS G29183103 11 64 SH   DFND 1 0 0 64
EATON CORP PLC SHS G29183103 8,778 50,796 SH   SOLE   0 0 50,796
EVERSOURCE ENERGY COM 30040W108 464 5,097 SH   SOLE   0 0 5,097
EXELON CORP COM 30161N101 252 4,360 SH   SOLE   0 0 4,360
EXXON MOBIL CORP COM 30231G102 3,202 52,322 SH   SOLE   0 0 52,322
EXXON MOBIL CORP COM 30231G102 0 500 SH Call SOLE   0 0 500
FEDEX CORP COM 31428X106 5,321 20,573 SH   SOLE   0 0 20,573
FIRSTENERGY CORP COM 337932107 927 22,300 SH   SOLE   0 0 22,300
FORD MTR CO DEL COM 345370860 249 11,978 SH   SOLE   0 0 11,978
FORD MTR CO DEL COM 345370860 4 1,000 SH Call SOLE   0 0 1,000
GOLDMAN SACHS GROUP INC COM 38141G104 11 28 SH   DFND 2 0 0 28
GOLDMAN SACHS GROUP INC COM 38141G104 7,419 19,394 SH   SOLE   0 0 19,394
GOODYEAR TIRE & RUBR CO COM 382550101 287 13,472 SH   SOLE   0 0 13,472
HOME DEPOT INC COM 437076102 6,411 15,448 SH   SOLE   0 0 15,448
HOME DEPOT INC COM 437076102 34 83 SH   DFND 01, 02 0 0 83
HUNTINGTON BANCSHARES INC COM 446150104 556 36,059 SH   SOLE   0 0 36,059
INTEL CORP COM 458140100 323 6,265 SH   SOLE   0 0 6,265
INTERNATIONAL BUSINESS MACHS COM 459200101 4,994 37,361 SH   SOLE   0 0 37,361
INTERNATIONAL BUSINESS MACHS COM 459200101 0 500 SH Call SOLE   0 0 500
INTERNATIONAL PAPER CO COM 460146103 3,494 74,378 SH   SOLE   0 0 74,378
ISHARES TR CORE S&P500 ETF 464287200 351 735 SH   SOLE   0 0 735
ISHARES TR MSCI EAFE ETF 464287465 927 11,785 SH   SOLE   0 0 11,785
ISHARES TR MSCI EMG MKT ETF 464287234 441 9,035 SH   SOLE   0 0 9,035
ISHARES TR RUS 1000 VAL ETF 464287598 338 2,014 SH   SOLE   0 0 2,014
ISHARES TR RUS 2000 VAL ETF 464287630 238 1,434 SH   SOLE   0 0 1,434
ISHARES TR RUS MID CAP ETF 464287499 601 7,235 SH   SOLE   0 0 7,235
JOHNSON & JOHNSON COM 478160104 7,710 45,066 SH   SOLE   0 0 45,066
JPMORGAN CHASE & CO COM 46625H100 9,568 60,422 SH   SOLE   0 0 60,422
LOWES COS INC COM 548661107 7,178 27,771 SH   SOLE   0 0 27,771
MCDONALDS CORP COM 580135101 225 840 SH   SOLE   0 0 840
MCKESSON CORP COM 58155Q103 3,610 14,524 SH   SOLE   0 0 14,524
MCKESSON CORP COM 58155Q103 4 15 SH   DFND 3 0 0 15
MERCK & CO INC COM 58933Y105 482 6,293 SH   SOLE   0 0 6,293
META PLATFORMS INC CL A 30303M102 1,019 3,029 SH   SOLE   0 0 3,029
META PLATFORMS INC CL A 30303M102 68 203 SH   DFND 01, 02 0 0 203
MICROSOFT CORP COM 594918104 16,095 47,856 SH   SOLE   0 0 47,856
MICROSOFT CORP COM 594918104 109 323 SH   DFND 01, 02 0 0 323
MICROSOFT CORP COM 594918104 38 500 SH Call SOLE   0 0 500
NUVEEN INT DUR QUAL MUN TRM COM 670677103 247 16,778 SH   SOLE   0 0 16,778
PALO ALTO NETWORKS INC COM 697435105 21 37 SH   DFND 1 0 0 37
PALO ALTO NETWORKS INC COM 697435105 7,163 12,865 SH   SOLE   0 0 12,865
PEPSICO INC COM 713448108 1,193 6,867 SH   SOLE   0 0 6,867
PFIZER INC COM 717081103 967 16,374 SH   SOLE   0 0 16,374
PHILIP MORRIS INTL INC COM 718172109 288 3,032 SH   SOLE   0 0 3,032
PROCTER AND GAMBLE CO COM 742718109 9,064 55,409 SH   SOLE   0 0 55,409
QUALCOMM INC COM 747525103 7,104 38,847 SH   SOLE   0 0 38,847
QUANTA SVCS INC COM 74762E102 1,545 13,472 SH   SOLE   0 0 13,472
RAYTHEON TECHNOLOGIES CORP COM 75513E101 11 126 SH   DFND 1 0 0 126
RAYTHEON TECHNOLOGIES CORP COM 75513E101 4,828 56,099 SH   SOLE   0 0 56,099
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1 500 SH Call SOLE   0 0 500
ROCKWELL AUTOMATION INC COM 773903109 279 800 SH   SOLE   0 0 800
SHERWIN WILLIAMS CO COM 824348106 510 1,447 SH   SOLE   0 0 1,447
SOUTHERN CO COM 842587107 621 9,055 SH   SOLE   0 0 9,055
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,050 2,210 SH   SOLE   0 0 2,210
TELLURIAN INC NEW COM 87968A104 42 13,500 SH   SOLE   0 0 13,500
TESLA INC COM 88160R101 377 357 SH   SOLE   0 0 357
TESLA INC COM 88160R101 78 74 SH   DFND 2 0 0 74
TEXTRON INC COM 883203101 232 3,004 SH   SOLE   0 0 3,004
THERMO FISHER SCIENTIFIC INC COM 883556102 8,042 12,052 SH   SOLE   0 0 12,052
THERMO FISHER SCIENTIFIC INC COM 883556102 23 35 SH   DFND 1 0 0 35
TRUIST FINL CORP COM 89832Q109 205 3,500 SH   SOLE   0 0 3,500
UNION PAC CORP COM 907818108 5,262 20,889 SH   SOLE   0 0 20,889
UNITEDHEALTH GROUP INC COM 91324P102 226 450 SH   SOLE   0 0 450
UNITEDHEALTH GROUP INC COM 91324P102 38 75 SH   DFND 01, 02 0 0 75
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,004 11,459 SH   SOLE   0 0 11,459
VANGUARD INDEX FDS GROWTH ETF 922908736 614 1,912 SH   SOLE   0 0 1,912
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,818 7,139 SH   SOLE   0 0 7,139
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,631 10,850 SH   SOLE   0 0 10,850
VANGUARD INDEX FDS MID CAP ETF 922908629 290 1,140 SH   SOLE   0 0 1,140
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 803 1,840 SH   SOLE   0 0 1,840
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,634 14,726 SH   SOLE   0 0 14,726
VANGUARD INDEX FDS SMALL CP ETF 922908751 206 910 SH   SOLE   0 0 910
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,736 6,160 SH   SOLE   0 0 6,160
VANGUARD INDEX FDS VALUE ETF 922908744 2,748 18,683 SH   SOLE   0 0 18,683
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,465 29,627 SH   SOLE   0 0 29,627
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 457 6,700 SH   SOLE   0 0 6,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,275 15,690 SH   SOLE   0 0 15,690
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,531 29,975 SH   SOLE   0 0 29,975
VERIZON COMMUNICATIONS INC COM 92343V104 895 17,219 SH   SOLE   0 0 17,219
VISA INC COM CL A 92826C839 6,695 30,894 SH   SOLE   0 0 30,894
VISA INC COM CL A 92826C839 47 218 SH   DFND 01, 02 0 0 218