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
ABBOTT LABS COM 002824100   295,662 2,712 SH   SOLE   0 0 2,712
ABBVIE INC COM 00287Y109   535,466 3,988 SH   SOLE   0 0 3,988
ADVANCED MICRO DEVICES INC COM 007903107   262,221 2,302 SH   SOLE   0 0 2,302
AGENUS INC COM NEW 00847G705   976,424 610,265 SH   SOLE   0 0 610,265
ALPHABET INC CAP STK CL C 02079K107   681,666 5,635 SH   SOLE   0 0 5,635
ALPHABET INC CAP STK CL A 02079K305   554,690 4,634 SH   SOLE   0 0 4,634
AMAZON COM INC COM 023135106   583,882 4,479 SH   SOLE   0 0 4,479
APPLE INC COM 037833100   3,661,481 18,961 SH   SOLE   0 0 18,961
AUTOMATIC DATA PROCESSING IN COM 053015103   470,131 2,139 SH   SOLE   0 0 2,139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,109,274 3,259 SH   SOLE   0 0 3,259
CHURCHILL DOWNS INC COM 171484108   1,185,172 8,516 SH   SOLE   0 0 8,516
CISCO SYS INC COM 17275R102   362,702 7,036 SH   SOLE   0 0 7,036
COLGATE PALMOLIVE CO COM 194162103   455,923 5,918 SH   SOLE   0 0 5,918
COSTCO WHSL CORP NEW COM 22160K105   868,407 1,613 SH   SOLE   0 0 1,613
CVS HEALTH CORP COM 126650100   222,920 3,230 SH   SOLE   0 0 3,230
DISNEY WALT CO COM 254687106   248,047 2,782 SH   SOLE   0 0 2,782
EXXON MOBIL CORP COM 30231G102   314,811 2,935 SH   SOLE   0 0 2,935
HOME DEPOT INC COM 437076102   1,117,404 3,606 SH   SOLE   0 0 3,606
HONEYWELL INTL INC COM 438516106   689,938 3,325 SH   SOLE   0 0 3,325
ISHARES INC CORE MSCI EMKT 46434G103   12,290,125 249,387 SH   SOLE   0 0 249,387
ISHARES INC ESG AWR MSCI EM 46434G863   1,265 40 SH   SOLE   0 0 40
ISHARES TR S&P 100 ETF 464287101   887,873 4,288 SH   SOLE   0 0 4,288
ISHARES TR CORE S&P TTL STK 464287150   2,837 29 SH   SOLE   0 0 29
ISHARES TR CORE S&P500 ETF 464287200   54,043,991 121,300 SH   SOLE   0 0 121,300
ISHARES TR GLOBAL TECH ETF 464287291   3,254,120 52,335 SH   SOLE   0 0 52,335
ISHARES TR S&P 500 GRWT ETF 464287309   93,456 1,326 SH   SOLE   0 0 1,326
ISHARES TR 20 YR TR BD ETF 464287432   2,573,706 25,002 SH   SOLE   0 0 25,002
ISHARES TR MSCI EAFE ETF 464287465   23,273 321 SH   SOLE   0 0 321
ISHARES TR RUS MID CAP ETF 464287499   2,118 29 SH   SOLE   0 0 29
ISHARES TR RUS 1000 GRW ETF 464287614   495,324 1,800 SH   SOLE   0 0 1,800
ISHARES TR RUS 2000 GRW ETF 464287648   50,716 209 SH   SOLE   0 0 209
ISHARES TR RUSSELL 2000 ETF 464287655   58,616 313 SH   SOLE   0 0 313
ISHARES TR CORE S&P US GWT 464287671   20,897,091 214,069 SH   SOLE   0 0 214,069
ISHARES TR U.S. TECH ETF 464287721   5,154,526 47,355 SH   SOLE   0 0 47,355
ISHARES TR CORE S&P SCP ETF 464287804   242,431 2,433 SH   SOLE   0 0 2,433
ISHARES TR JPMORGAN USD EMG 464288281   794,524 9,181 SH   SOLE   0 0 9,181
ISHARES TR NATIONAL MUN ETF 464288414   16,346,511 153,172 SH   SOLE   0 0 153,172
ISHARES TR EAFE VALUE ETF 464288877   13,975,728 285,630 SH   SOLE   0 0 285,630
ISHARES TR EAFE GRWTH ETF 464288885   22,965,843 240,772 SH   SOLE   0 0 240,772
ISHARES TR CORE HIGH DV ETF 46429B663   2,822 28 SH   SOLE   0 0 28
ISHARES TR MSCI EAFE MIN VL 46429B689   35,775 530 SH   SOLE   0 0 530
ISHARES TR MSCI USA MIN VOL 46429B697   8,696,461 117,033 SH   SOLE   0 0 117,033
ISHARES TR MSCI USA QLT FCT 46432F339   21,764,100 161,425 SH   SOLE   0 0 161,425
ISHARES TR MSCI USA VALUE 46432F388   44,925 479 SH   SOLE   0 0 479
ISHARES TR CORE MSCI EAFE 46432F842   2,175,930 32,236 SH   SOLE   0 0 32,236
ISHARES TR ESG AWR MSCI USA 46435G425   99,312 1,019 SH   SOLE   0 0 1,019
ISHARES TR FALN ANGLS USD 46435G474   113,074 4,457 SH   SOLE   0 0 4,457
ISHARES TR ESG AWARE MSCI 46435U663   3,481 98 SH   SOLE   0 0 98
ISHARES TR US INFRASTRUC 46435U713   976,062 24,978 SH   SOLE   0 0 24,978
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,300,664 105,717 SH   SOLE   0 0 105,717
JOHNSON & JOHNSON COM 478160104   885,553 5,362 SH   SOLE   0 0 5,362
JPMORGAN CHASE & CO COM 46625H100   672,973 4,649 SH   SOLE   0 0 4,649
LILLY ELI & CO COM 532457108   395,350 843 SH   SOLE   0 0 843
LOWES COS INC COM 548661107   223,217 989 SH   SOLE   0 0 989
MASTERCARD INCORPORATED CL A 57636Q104   455,441 1,158 SH   SOLE   0 0 1,158
MERCK & CO INC COM 58933Y105   388,478 3,367 SH   SOLE   0 0 3,367
META PLATFORMS INC CL A 30303M102   263,448 918 SH   SOLE   0 0 918
MICROSOFT CORP COM 594918104   3,461,668 10,199 SH   SOLE   0 0 10,199
NVIDIA CORPORATION COM 67066G104   373,950 884 SH   SOLE   0 0 884
PEPSICO INC COM 713448108   382,000 2,062 SH   SOLE   0 0 2,062
PFIZER INC COM 717081103   448,548 12,276 SH   SOLE   0 0 12,276
PNC FINL SVCS GROUP INC COM 693475105   865,906 6,875 SH   SOLE   0 0 6,875
PROCTER AND GAMBLE CO COM 742718109   809,751 5,350 SH   SOLE   0 0 5,350
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,891,320 21,787 SH   SOLE   0 0 21,787
SELECT SECTOR SPDR TR ENERGY 81369Y506   33,848 417 SH   SOLE   0 0 417
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   173,686 999 SH   SOLE   0 0 999
SHERWIN WILLIAMS CO COM 824348106   777,708 2,929 SH   SOLE   0 0 2,929
SPDR SER TR PORTFOLIO SH TSR 78468R101   234,351 8,140 SH   SOLE   0 0 8,140
STOCK YDS BANCORP INC COM 861025104   976,317 21,519 SH   SOLE   0 0 21,519
UNION PAC CORP COM 907818108   546,360 2,670 SH   SOLE   0 0 2,670
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   5,350 26 SH   SOLE   0 0 26
VANGUARD INDEX FDS SML CP GRW ETF 922908595   98,788 430 SH   SOLE   0 0 430
VANGUARD INDEX FDS SM CP VAL ETF 922908611   34,734 210 SH   SOLE   0 0 210
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,387 12 SH   SOLE   0 0 12
VANGUARD INDEX FDS TOTAL STK MKT 922908769   696,085 3,160 SH   SOLE   0 0 3,160
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   259,131 2,672 SH   SOLE   0 0 2,672
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   42,428 1,052 SH   SOLE   0 0 1,052
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   124 1 SH   SOLE   0 0 1
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   257,459 4,389 SH   SOLE   0 0 4,389
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   260,727 4,104 SH   SOLE   0 0 4,104
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   229,838 1,415 SH   SOLE   0 0 1,415