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 380 2,782 SH   SOLE   2,782 0 0
ABBOTT LABS COM 002824100 248 3,138 SH   SOLE   3,138 0 0
ABBVIE INC COM 00287Y109 323 4,258 SH   SOLE   4,258 0 0
AGENUS INC COM NEW 00847G705 832 339,653 SH   SOLE   339,653 0 0
ALPHABET INC CAP STK CL C 02079K107 335 288 SH   SOLE   288 0 0
ALPHABET INC CAP STK CL A 02079K305 562 484 SH   SOLE   484 0 0
AMAZON COM INC COM 023135106 382 196 SH   SOLE   196 0 0
APPLE INC COM 037833100 2,391 9,400 SH   SOLE   9,400 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 574 4,197 SH   SOLE   4,197 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,201 6,566 SH   SOLE   6,566 0 0
BLACKROCK INC COM 09247X101 434 987 SH   SOLE   987 0 0
CHURCHILL DOWNS INC COM 171484108 469 4,560 SH   SOLE   4,560 0 0
CISCO SYS INC COM 17275R102 671 17,010 SH   SOLE   17,010 0 0
COCA COLA CO COM 191216100 269 6,079 SH   SOLE   6,079 0 0
COLGATE PALMOLIVE CO COM 194162103 399 6,017 SH   SOLE   6,017 0 0
COSTCO WHSL CORP NEW COM 22160K105 586 2,054 SH   SOLE   2,054 0 0
CVS HEALTH CORP COM 126650100 216 3,635 SH   SOLE   3,635 0 0
DISNEY WALT CO COM DISNEY 254687106 795 8,197 SH   SOLE   8,197 0 0
EXXON MOBIL CORP COM 30231G102 237 6,264 SH   SOLE   6,264 0 0
HOME DEPOT INC COM 437076102 734 3,880 SH   SOLE   3,880 0 0
HONEYWELL INTL INC COM 438516106 696 5,204 SH   SOLE   5,204 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 784 5,204 SH   SOLE   5,204 0 0
ISHARES TR CORE S&P US GWT 464287671 4,917 86,122 SH   SOLE   86,122 0 0
ISHARES TR CORE S&P500 ETF 464287200 19,985 77,312 SH   SOLE   77,312 0 0
ISHARES TR NATIONAL MUN ETF 464288414 10,360 91,663 SH   SOLE   91,663 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 10,651 207,825 SH   SOLE   207,825 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 11,902 191,713 SH   SOLE   191,713 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,725 30,739 SH   SOLE   30,739 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 12,431 229,911 SH   SOLE   229,911 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 352 3,066 SH   SOLE   3,066 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 11,843 238,442 SH   SOLE   238,442 0 0
JOHNSON & JOHNSON COM 478160104 1,198 9,112 SH   SOLE   9,112 0 0
JPMORGAN CHASE & CO COM 46625H100 566 6,231 SH   SOLE   6,231 0 0
MASTERCARD INC CL A 57636Q104 551 2,279 SH   SOLE   2,279 0 0
MERCK & CO. INC COM 58933Y105 775 10,069 SH   SOLE   10,069 0 0
MICROSOFT CORP COM 594918104 2,311 14,612 SH   SOLE   14,612 0 0
PEPSICO INC COM 713448108 317 2,642 SH   SOLE   2,642 0 0
PFIZER INC COM 717081103 726 22,226 SH   SOLE   22,226 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,023 10,692 SH   SOLE   10,692 0 0
PROCTER & GAMBLE CO COM 742718109 900 8,144 SH   SOLE   8,144 0 0
SHERWIN WILLIAMS CO COM 824348106 500 1,088 SH   SOLE   1,088 0 0
STARBUCKS CORP COM 855244109 277 4,218 SH   SOLE   4,218 0 0
STOCK YDS BANCORP INC COM 861025104 997 34,478 SH   SOLE   34,478 0 0
UNION PAC CORP COM 907818108 665 4,717 SH   SOLE   4,717 0 0
UNIQUE FABRICATING INC COM 90915J103 56 23,810 SH   SOLE   23,810 0 0
US BANCORP DEL COM NEW 902973304 284 8,153 SH   SOLE   8,153 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 298 2,308 SH   SOLE   2,308 0 0