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 385 2,472 SH   SOLE   2,472 0 0
ABBOTT LABS COM 002824100 287 3,138 SH   SOLE   3,138 0 0
ABBVIE INC COM 00287Y109 416 4,261 SH   SOLE   4,261 0 0
AGENUS INC COM NEW 00847G705 1,301 331,003 SH   SOLE   331,003 0 0
ALPHABET INC CAP STK CL A 02079K305 610 430 SH   SOLE   430 0 0
ALPHABET INC CAP STK CL C 02079K107 404 286 SH   SOLE   286 0 0
AMAZON COM INC COM 023135106 541 196 SH   SOLE   196 0 0
APPLE INC COM 037833100 3,046 8,357 SH   SOLE   8,357 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 609 4,087 SH   SOLE   4,087 0 0
AUTONATION INC COM 05329W102 256 6,815 SH   SOLE   6,815 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,037 5,811 SH   SOLE   5,811 0 0
BLACKROCK INC COM 09247X101 451 829 SH   SOLE   829 0 0
CHURCHILL DOWNS INC COM 171484108 607 4,560 SH   SOLE   4,560 0 0
CISCO SYS INC COM 17275R102 792 17,015 SH   SOLE   17,015 0 0
COLGATE PALMOLIVE CO COM 194162103 441 6,017 SH   SOLE   6,017 0 0
COSTCO WHSL CORP NEW COM 22160K105 611 2,014 SH   SOLE   2,014 0 0
CVS HEALTH CORP COM 126650100 236 3,635 SH   SOLE   3,635 0 0
DISNEY WALT CO COM DISNEY 254687106 752 6,747 SH   SOLE   6,747 0 0
EXXON MOBIL CORP COM 30231G102 247 5,526 SH   SOLE   5,526 0 0
FACEBOOK INC CL A 30303M102 262 1,155 SH   SOLE   1,155 0 0
HOME DEPOT INC COM 437076102 962 3,856 SH   SOLE   3,856 0 0
HONEYWELL INTL INC COM 438516106 694 4,798 SH   SOLE   4,798 0 0
ISHARES INC CORE MSCI EMKT 46434G103 4,884 102,614 SH   SOLE   102,614 0 0
ISHARES TR NATIONAL MUN ETF 464288414 12,794 110,863 SH   SOLE   110,863 0 0
ISHARES TR CORE S&P US GWT 464287671 6,892 95,885 SH   SOLE   95,885 0 0
ISHARES TR CORE S&P500 ETF 464287200 24,396 78,801 SH   SOLE   78,801 0 0
ISHARES TR USA QUALITY FCTR 46432F339 4,862 50,692 SH   SOLE   50,692 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,113 30,948 SH   SOLE   30,948 0 0
ISHARES TR MIN VOL EAFE ETF 46429B689 12,002 181,674 SH   SOLE   181,674 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 261 1,840 SH   SOLE   1,840 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 11,203 214,453 SH   SOLE   214,453 0 0
ISHARES TR MSCI MIN VOL ETF 46429B697 13,727 226,528 SH   SOLE   226,528 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 863 4,494 SH   SOLE   4,494 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 12,510 246,591 SH   SOLE   246,591 0 0
JOHNSON & JOHNSON COM 478160104 1,180 8,406 SH   SOLE   8,406 0 0
JPMORGAN CHASE & CO COM 46625H100 622 6,631 SH   SOLE   6,631 0 0
LOWES COS INC COM 548661107 250 1,852 SH   SOLE   1,852 0 0
MASTERCARD INCORPORATED CL A 57636Q104 639 2,160 SH   SOLE   2,160 0 0
MERCK & CO. INC COM 58933Y105 583 7,533 SH   SOLE   7,533 0 0
MICROSOFT CORP COM 594918104 2,772 13,685 SH   SOLE   13,685 0 0
PEPSICO INC COM 713448108 346 2,613 SH   SOLE   2,613 0 0
PFIZER INC COM 717081103 689 21,064 SH   SOLE   21,064 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,125 10,692 SH   SOLE   10,692 0 0
PROCTER AND GAMBLE CO COM 742718109 933 7,815 SH   SOLE   7,815 0 0
SHERWIN WILLIAMS CO COM 824348106 614 1,062 SH   SOLE   1,062 0 0
STARBUCKS CORP COM 855244109 301 4,084 SH   SOLE   4,084 0 0
STOCK YDS BANCORP INC COM 861025104 1,386 34,478 SH   SOLE   34,478 0 0
UNION PAC CORP COM 907818108 764 4,531 SH   SOLE   4,531 0 0
US BANCORP DEL COM NEW 902973304 217 5,939 SH   SOLE   5,939 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 365 2,331 SH   SOLE   2,331 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 209 5,250 SH   SOLE   5,250 0 0