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
ABBOTT LABS COM 002824100   262,657 2,712 SH   SOLE   0 0 2,712
ABBVIE INC COM 00287Y109   587,744 3,943 SH   SOLE   0 0 3,943
ADVANCED MICRO DEVICES INC COM 007903107   226,410 2,202 SH   SOLE   0 0 2,202
AGENUS INC COM NEW 00847G705   802,599 710,265 SH   SOLE   0 0 710,265
ALPHABET INC CAP STK CL C 02079K107   848,455 6,435 SH   SOLE   0 0 6,435
ALPHABET INC CAP STK CL A 02079K305   668,695 5,110 SH   SOLE   0 0 5,110
AMAZON COM INC COM 023135106   569,370 4,479 SH   SOLE   0 0 4,479
APPLE INC COM 037833100   3,217,251 18,791 SH   SOLE   0 0 18,791
AUTOMATIC DATA PROCESSING IN COM 053015103   514,601 2,139 SH   SOLE   0 0 2,139
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,282,448 3,661 SH   SOLE   0 0 3,661
CHURCHILL DOWNS INC COM 171484108   988,197 8,516 SH   SOLE   0 0 8,516
CISCO SYS INC COM 17275R102   345,408 6,425 SH   SOLE   0 0 6,425
COLGATE PALMOLIVE CO COM 194162103   420,829 5,918 SH   SOLE   0 0 5,918
COSTCO WHSL CORP NEW COM 22160K105   872,863 1,545 SH   SOLE   0 0 1,545
CVS HEALTH CORP COM 126650100   247,163 3,540 SH   SOLE   0 0 3,540
DISNEY WALT CO COM 254687106   214,570 2,647 SH   SOLE   0 0 2,647
ELI LILLY & CO COM 532457108   452,801 843 SH   SOLE   0 0 843
EXXON MOBIL CORP COM 30231G102   367,619 3,127 SH   SOLE   0 0 3,127
HOME DEPOT INC COM 437076102   1,081,431 3,579 SH   SOLE   0 0 3,579
HONEYWELL INTL INC COM 438516106   614,261 3,325 SH   SOLE   0 0 3,325
ISHARES INC CORE MSCI EMKT 46434G103   8,716,632 183,161 SH   SOLE   0 0 183,161
ISHARES INC ESG AWR MSCI EM 46434G863   1,211 40 SH   SOLE   0 0 40
ISHARES TR S&P 100 ETF 464287101   860,344 4,288 SH   SOLE   0 0 4,288
ISHARES TR CORE S&P TTL STK 464287150   14,411 153 SH   SOLE   0 0 153
ISHARES TR CORE S&P500 ETF 464287200   55,883,896 130,135 SH   SOLE   0 0 130,135
ISHARES TR GLOBAL TECH ETF 464287291   2,957,128 51,126 SH   SOLE   0 0 51,126
ISHARES TR S&P 500 GRWT ETF 464287309   90,725 1,326 SH   SOLE   0 0 1,326
ISHARES TR 20 YR TR BD ETF 464287432   2,568,728 28,963 SH   SOLE   0 0 28,963
ISHARES TR MSCI EAFE ETF 464287465   22,123 321 SH   SOLE   0 0 321
ISHARES TR RUS MID CAP ETF 464287499   2,008 29 SH   SOLE   0 0 29
ISHARES TR CORE S&P MCP ETF 464287507   1,310,085 5,254 SH   SOLE   0 0 5,254
ISHARES TR RUS 1000 GRW ETF 464287614   478,782 1,800 SH   SOLE   0 0 1,800
ISHARES TR RUS 2000 GRW ETF 464287648   46,847 209 SH   SOLE   0 0 209
ISHARES TR RUSSELL 2000 ETF 464287655   55,320 313 SH   SOLE   0 0 313
ISHARES TR CORE S&P US GWT 464287671   21,746,144 229,317 SH   SOLE   0 0 229,317
ISHARES TR U.S. TECH ETF 464287721   2,120,223 20,208 SH   SOLE   0 0 20,208
ISHARES TR CORE S&P SCP ETF 464287804   229,505 2,433 SH   SOLE   0 0 2,433
ISHARES TR JPMORGAN USD EMG 464288281   794,998 9,634 SH   SOLE   0 0 9,634
ISHARES TR NATIONAL MUN ETF 464288414   15,542,090 151,571 SH   SOLE   0 0 151,571
ISHARES TR EAFE VALUE ETF 464288877   15,800,867 322,928 SH   SOLE   0 0 322,928
ISHARES TR EAFE GRWTH ETF 464288885   20,762,744 240,588 SH   SOLE   0 0 240,588
ISHARES TR MSCI EAFE MIN VL 46429B689   34,567 530 SH   SOLE   0 0 530
ISHARES TR MSCI USA MIN VOL 46429B697   7,536,857 104,129 SH   SOLE   0 0 104,129
ISHARES TR MSCI USA QLT FCT 46432F339   18,563,808 140,859 SH   SOLE   0 0 140,859
ISHARES TR MSCI USA VALUE 46432F388   34,383 379 SH   SOLE   0 0 379
ISHARES TR CORE MSCI TOTAL 46432F834   4,739 79 SH   SOLE   0 0 79
ISHARES TR CORE MSCI EAFE 46432F842   2,092,984 32,525 SH   SOLE   0 0 32,525
ISHARES TR ESG AWR MSCI USA 46435G425   95,694 1,019 SH   SOLE   0 0 1,019
ISHARES TR FALN ANGLS USD 46435G474   110,534 4,457 SH   SOLE   0 0 4,457
ISHARES TR ESG AWARE MSCI 46435U663   3,298 98 SH   SOLE   0 0 98
ISHARES TR US INFRASTRUC 46435U713   920,604 25,160 SH   SOLE   0 0 25,160
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,400,987 107,632 SH   SOLE   0 0 107,632
JOHNSON & JOHNSON COM 478160104   873,478 5,608 SH   SOLE   0 0 5,608
JPMORGAN CHASE & CO COM 46625H100   674,198 4,649 SH   SOLE   0 0 4,649
LOWES COS INC COM 548661107   205,554 989 SH   SOLE   0 0 989
MASTERCARD INCORPORATED CL A 57636Q104   421,248 1,064 SH   SOLE   0 0 1,064
MERCK & CO INC COM 58933Y105   320,178 3,110 SH   SOLE   0 0 3,110
META PLATFORMS INC CL A 30303M102   347,643 1,158 SH   SOLE   0 0 1,158
MICROSOFT CORP COM 594918104   3,373,618 10,684 SH   SOLE   0 0 10,684
NVIDIA CORPORATION COM 67066G104   384,531 884 SH   SOLE   0 0 884
PEPSICO INC COM 713448108   365,015 2,154 SH   SOLE   0 0 2,154
PFIZER INC COM 717081103   405,735 12,232 SH   SOLE   0 0 12,232
PNC FINL SVCS GROUP INC COM 693475105   844,044 6,875 SH   SOLE   0 0 6,875
PROCTER AND GAMBLE CO COM 742718109   795,496 5,454 SH   SOLE   0 0 5,454
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   2,836,915 22,036 SH   SOLE   0 0 22,036
SELECT SECTOR SPDR TR ENERGY 81369Y506   36,879 408 SH   SOLE   0 0 408
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   163,766 999 SH   SOLE   0 0 999
SHERWIN WILLIAMS CO COM 824348106   741,175 2,906 SH   SOLE   0 0 2,906
SPDR SER TR PORTFOLIO SH TSR 78468R101   233,781 8,140 SH   SOLE   0 0 8,140
STOCK YDS BANCORP INC COM 861025104   827,801 21,069 SH   SOLE   0 0 21,069
UNION PAC CORP COM 907818108   506,932 2,489 SH   SOLE   0 0 2,489
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   5,064 26 SH   SOLE   0 0 26
VANGUARD INDEX FDS SML CP GRW ETF 922908595   56,329 263 SH   SOLE   0 0 263
VANGUARD INDEX FDS SM CP VAL ETF 922908611   33,493 210 SH   SOLE   0 0 210
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,269 12 SH   SOLE   0 0 12
VANGUARD INDEX FDS TOTAL STK MKT 922908769   656,772 3,092 SH   SOLE   0 0 3,092
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   248,977 2,672 SH   SOLE   0 0 2,672
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   41,249 1,052 SH   SOLE   0 0 1,052
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   16,720 250 SH   SOLE   0 0 250
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   17,379 300 SH   SOLE   0 0 300
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   119 1 SH   SOLE   0 0 1
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   250,831 4,389 SH   SOLE   0 0 4,389
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   321,847 5,798 SH   SOLE   0 0 5,798
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   210,229 1,353 SH   SOLE   0 0 1,353
WATERS CORP COM 941848103   233,901 853 SH   SOLE   0 0 853