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   289,909 2,790 SH   SOLE   0 0 2,790
ABBVIE INC COM 00287Y109   666,184 3,884 SH   SOLE   0 0 3,884
ADVANCED MICRO DEVICES INC COM 007903107   357,187 2,202 SH   SOLE   0 0 2,202
ALPHABET INC CAP STK CL C 02079K107   1,018,899 5,555 SH   SOLE   0 0 5,555
ALPHABET INC CAP STK CL A 02079K305   507,106 2,784 SH   SOLE   0 0 2,784
AMGEN INC COM 031162100   204,343 654 SH   SOLE   0 0 654
APPLE INC COM 037833100   3,104,539 14,740 SH   SOLE   0 0 14,740
AUTOMATIC DATA PROCESSING IN COM 053015103   444,919 1,864 SH   SOLE   0 0 1,864
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,093,886 2,689 SH   SOLE   0 0 2,689
CHURCHILL DOWNS INC COM 171484108   1,116,102 7,995 SH   SOLE   0 0 7,995
CISCO SYS INC COM 17275R102   261,258 5,499 SH   SOLE   0 0 5,499
COLGATE PALMOLIVE CO COM 194162103   563,609 5,808 SH   SOLE   0 0 5,808
COSTCO WHSL CORP NEW COM 22160K105   1,243,536 1,463 SH   SOLE   0 0 1,463
DISNEY WALT CO COM 254687106   217,942 2,195 SH   SOLE   0 0 2,195
ELI LILLY & CO COM 532457108   584,876 646 SH   SOLE   0 0 646
EXXON MOBIL CORP COM 30231G102   330,050 2,867 SH   SOLE   0 0 2,867
HOME DEPOT INC COM 437076102   1,229,626 3,572 SH   SOLE   0 0 3,572
HONEYWELL INTL INC COM 438516106   618,199 2,895 SH   SOLE   0 0 2,895
ISHARES INC CORE MSCI EMKT 46434G103   461,376 8,619 SH   SOLE   0 0 8,619
ISHARES INC MSCI EMRG CHN 46434G764   13,197,930 222,938 SH   SOLE   0 0 222,938
ISHARES TR S&P 100 ETF 464287101   5,796,628 21,932 SH   SOLE   0 0 21,932
ISHARES TR TIPS BD ETF 464287176   4,699 44 SH   SOLE   0 0 44
ISHARES TR CORE S&P500 ETF 464287200   66,486,285 121,496 SH   SOLE   0 0 121,496
ISHARES TR GLOBAL TECH ETF 464287291   6,477,767 78,215 SH   SOLE   0 0 78,215
ISHARES TR S&P 500 GRWT ETF 464287309   122,709 1,326 SH   SOLE   0 0 1,326
ISHARES TR GLOBAL ENERG ETF 464287341   1,790,368 43,131 SH   SOLE   0 0 43,131
ISHARES TR S&P 500 VAL ETF 464287408   12,013 66 SH   SOLE   0 0 66
ISHARES TR 20 YR TR BD ETF 464287432   2,978,170 32,449 SH   SOLE   0 0 32,449
ISHARES TR RUS 1000 VAL ETF 464287598   7,154 41 SH   SOLE   0 0 41
ISHARES TR RUS 1000 GRW ETF 464287614   589,778 1,618 SH   SOLE   0 0 1,618
ISHARES TR RUS 2000 GRW ETF 464287648   39,380 150 SH   SOLE   0 0 150
ISHARES TR RUSSELL 2000 ETF 464287655   23,739 117 SH   SOLE   0 0 117
ISHARES TR CORE S&P US GWT 464287671   40,729,878 319,500 SH   SOLE   0 0 319,500
ISHARES TR U.S. TECH ETF 464287721   4,550,217 30,234 SH   SOLE   0 0 30,234
ISHARES TR CORE S&P SCP ETF 464287804   102,287 959 SH   SOLE   0 0 959
ISHARES TR JPMORGAN USD EMG 464288281   1,730,227 19,555 SH   SOLE   0 0 19,555
ISHARES TR NATIONAL MUN ETF 464288414   21,257,898 199,511 SH   SOLE   0 0 199,511
ISHARES TR EAFE VALUE ETF 464288877   12,033,185 226,870 SH   SOLE   0 0 226,870
ISHARES TR EAFE GRWTH ETF 464288885   22,521,550 220,152 SH   SOLE   0 0 220,152
ISHARES TR US TREAS BD ETF 46429B267   32,118 1,423 SH   SOLE   0 0 1,423
ISHARES TR MSCI USA MIN VOL 46429B697   5,024,251 59,841 SH   SOLE   0 0 59,841
ISHARES TR MSCI USA QLT FCT 46432F339   33,840,363 198,175 SH   SOLE   0 0 198,175
ISHARES TR CORE MSCI EAFE 46432F842   854,610 11,765 SH   SOLE   0 0 11,765
ISHARES TR ESG AWARE MSCI 46435U663   3,773 98 SH   SOLE   0 0 98
ISHARES TR US INFRASTRUC 46435U713   1,154,720 27,415 SH   SOLE   0 0 27,415
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   5,657,751 112,101 SH   SOLE   0 0 112,101
JOHNSON & JOHNSON COM 478160104   586,833 4,015 SH   SOLE   0 0 4,015
JPMORGAN CHASE & CO. COM 46625H100   874,573 4,324 SH   SOLE   0 0 4,324
MASTERCARD INCORPORATED CL A 57636Q104   344,988 782 SH   SOLE   0 0 782
MERCK & CO INC COM 58933Y105   302,568 2,444 SH   SOLE   0 0 2,444
MICROSOFT CORP COM 594918104   4,070,374 9,107 SH   SOLE   0 0 9,107
NVIDIA CORPORATION COM 67066G104   412,624 3,340 SH   SOLE   0 0 3,340
PEPSICO INC COM 713448108   287,309 1,742 SH   SOLE   0 0 1,742
PROCTER AND GAMBLE CO COM 742718109   770,507 4,672 SH   SOLE   0 0 4,672
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   114,044 1,775 SH   SOLE   0 0 1,775
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   95,375 2,010 SH   SOLE   0 0 2,010
SCHWAB STRATEGIC TR 5 10YR CORP BD 808524698   44,453 1,008 SH   SOLE   0 0 1,008
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   64,913 2,444 SH   SOLE   0 0 2,444
SCHWAB STRATEGIC TR FUNDAMENTAL EMER 808524730   104,501 3,534 SH   SOLE   0 0 3,534
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748   50,576 1,455 SH   SOLE   0 0 1,455
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   90,763 2,591 SH   SOLE   0 0 2,591
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763   97,593 1,777 SH   SOLE   0 0 1,777
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771   164,168 2,451 SH   SOLE   0 0 2,451
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   54,288 1,413 SH   SOLE   0 0 1,413
SCHWAB STRATEGIC TR US REIT ETF 808524847   22,567 1,130 SH   SOLE   0 0 1,130
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   25,556 524 SH   SOLE   0 0 524
SCHWAB STRATEGIC TR US TIPS ETF 808524870   4,941 95 SH   SOLE   0 0 95
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   42,234 1,187 SH   SOLE   0 0 1,187
SHERWIN WILLIAMS CO COM 824348106   862,463 2,890 SH   SOLE   0 0 2,890
SPDR SER TR PORTFOLIO INTRMD 78464A375   5,796 178 SH   SOLE   0 0 178
SPDR SER TR BLOOMBERG EMERGI 78464A391   4,436 223 SH   SOLE   0 0 223
SPDR SER TR PRTFLO S&P500 VL 78464A508   5,464,437 112,114 SH   SOLE   0 0 112,114
UNION PAC CORP COM 907818108   423,785 1,873 SH   SOLE   0 0 1,873
VANGUARD INDEX FDS SML CP GRW ETF 922908595   52,278 209 SH   SOLE   0 0 209
VANGUARD INDEX FDS SM CP VAL ETF 922908611   38,330 210 SH   SOLE   0 0 210
VANGUARD INDEX FDS TOTAL STK MKT 922908769   375,050 1,402 SH   SOLE   0 0 1,402
WATERS CORP COM 941848103   201,054 693 SH   SOLE   0 0 693