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
ABBOTT LABS COM 002824100   318,088 2,790 SH   SOLE   0 0 2,790
ABBVIE INC COM 00287Y109   767,013 3,884 SH   SOLE   0 0 3,884
ADVANCED MICRO DEVICES INC COM 007903107   361,305 2,202 SH   SOLE   0 0 2,202
ALPHABET INC CAP STK CL C 02079K107   935,429 5,595 SH   SOLE   0 0 5,595
ALPHABET INC CAP STK CL A 02079K305   445,971 2,689 SH   SOLE   0 0 2,689
AMGEN INC COM 031162100   210,726 654 SH   SOLE   0 0 654
APPLE INC COM 037833100   3,525,756 15,132 SH   SOLE   0 0 15,132
AUTOMATIC DATA PROCESSING IN COM 053015103   515,825 1,864 SH   SOLE   0 0 1,864
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,223,372 2,658 SH   SOLE   0 0 2,658
CHURCHILL DOWNS INC COM 171484108   1,081,004 7,995 SH   SOLE   0 0 7,995
CISCO SYS INC COM 17275R102   292,657 5,499 SH   SOLE   0 0 5,499
COLGATE PALMOLIVE CO COM 194162103   602,929 5,808 SH   SOLE   0 0 5,808
COSTCO WHSL CORP NEW COM 22160K105   1,296,979 1,463 SH   SOLE   0 0 1,463
DISNEY WALT CO COM 254687106   211,138 2,195 SH   SOLE   0 0 2,195
ELI LILLY & CO COM 532457108   567,002 640 SH   SOLE   0 0 640
EXXON MOBIL CORP COM 30231G102   343,221 2,928 SH   SOLE   0 0 2,928
HOME DEPOT INC COM 437076102   1,447,375 3,572 SH   SOLE   0 0 3,572
HONEYWELL INTL INC COM 438516106   591,811 2,863 SH   SOLE   0 0 2,863
ISHARES INC CORE MSCI EMKT 46434G103   343,197 5,978 SH   SOLE   0 0 5,978
ISHARES INC MSCI EMRG CHN 46434G764   15,943,844 260,904 SH   SOLE   0 0 260,904
ISHARES TR S&P 100 ETF 464287101   6,156,527 22,245 SH   SOLE   0 0 22,245
ISHARES TR CORE S&P500 ETF 464287200   71,992,935 124,810 SH   SOLE   0 0 124,810
ISHARES TR GLOBAL TECH ETF 464287291   6,570,874 79,618 SH   SOLE   0 0 79,618
ISHARES TR S&P 500 GRWT ETF 464287309   126,965 1,326 SH   SOLE   0 0 1,326
ISHARES TR GLOBAL ENERG ETF 464287341   1,829,939 45,206 SH   SOLE   0 0 45,206
ISHARES TR S&P 500 VAL ETF 464287408   13,014 66 SH   SOLE   0 0 66
ISHARES TR 20 YR TR BD ETF 464287432   3,058,268 31,175 SH   SOLE   0 0 31,175
ISHARES TR RUS 1000 GRW ETF 464287614   588,596 1,568 SH   SOLE   0 0 1,568
ISHARES TR RUS 2000 GRW ETF 464287648   42,600 150 SH   SOLE   0 0 150
ISHARES TR RUSSELL 2000 ETF 464287655   25,845 117 SH   SOLE   0 0 117
ISHARES TR CORE S&P US GWT 464287671   46,133,695 349,736 SH   SOLE   0 0 349,736
ISHARES TR U.S. TECH ETF 464287721   4,804,838 31,690 SH   SOLE   0 0 31,690
ISHARES TR CORE S&P SCP ETF 464287804   112,165 959 SH   SOLE   0 0 959
ISHARES TR JPMORGAN USD EMG 464288281   1,823,594 19,487 SH   SOLE   0 0 19,487
ISHARES TR NATIONAL MUN ETF 464288414   22,239,929 204,731 SH   SOLE   0 0 204,731
ISHARES TR EAFE VALUE ETF 464288877   17,637,893 306,586 SH   SOLE   0 0 306,586
ISHARES TR EAFE GRWTH ETF 464288885   22,759,256 211,419 SH   SOLE   0 0 211,419
ISHARES TR MSCI USA MIN VOL 46429B697   4,596,272 50,337 SH   SOLE   0 0 50,337
ISHARES TR MSCI USA QLT FCT 46432F339   38,574,602 215,140 SH   SOLE   0 0 215,140
ISHARES TR CORE MSCI EAFE 46432F842   916,229 11,739 SH   SOLE   0 0 11,739
ISHARES TR ESG AWARE MSCI 46435U663   4,099 98 SH   SOLE   0 0 98
ISHARES TR US INFRASTRUC 46435U713   1,454,614 30,969 SH   SOLE   0 0 30,969
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   5,826,082 114,822 SH   SOLE   0 0 114,822
JOHNSON & JOHNSON COM 478160104   610,481 3,767 SH   SOLE   0 0 3,767
JPMORGAN CHASE & CO. COM 46625H100   911,759 4,324 SH   SOLE   0 0 4,324
MASTERCARD INCORPORATED CL A 57636Q104   371,338 752 SH   SOLE   0 0 752
MERCK & CO INC COM 58933Y105   264,027 2,325 SH   SOLE   0 0 2,325
MICROSOFT CORP COM 594918104   3,906,694 9,079 SH   SOLE   0 0 9,079
NEXTERA ENERGY INC COM 65339F101   407,604 4,822 SH   SOLE   0 0 4,822
NVIDIA CORPORATION COM 67066G104   416,054 3,426 SH   SOLE   0 0 3,426
PEPSICO INC COM 713448108   245,213 1,442 SH   SOLE   0 0 1,442
PROCTER AND GAMBLE CO COM 742718109   794,296 4,586 SH   SOLE   0 0 4,586
PROGRESSIVE CORP COM 743315103   241,072 950 SH   SOLE   0 0 950
SHERWIN WILLIAMS CO COM 824348106   1,103,027 2,890 SH   SOLE   0 0 2,890
SPDR SER TR PRTFLO S&P500 VL 78464A508   6,686,738 126,499 SH   SOLE   0 0 126,499
UNION PAC CORP COM 907818108   461,658 1,873 SH   SOLE   0 0 1,873
VANGUARD INDEX FDS SML CP GRW ETF 922908595   55,881 209 SH   SOLE   0 0 209
VANGUARD INDEX FDS SM CP VAL ETF 922908611   42,164 210 SH   SOLE   0 0 210
VANGUARD INDEX FDS TOTAL STK MKT 922908769   396,991 1,402 SH   SOLE   0 0 1,402
WATERS CORP COM 941848103   249,404 693 SH   SOLE   0 0 693