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 383 2,392 SH   SOLE   2,392 0 0
ABBOTT LABS COM 002824100 342 3,138 SH   SOLE   3,138 0 0
ABBVIE INC COM 00287Y109 372 4,261 SH   SOLE   4,261 0 0
AGENUS INC COM NEW 00847G705 1,184 296,003 SH   SOLE   296,003 0 0
ALPHABET INC CAP STK CL C 02079K107 411 280 SH   SOLE   280 0 0
ALPHABET INC CAP STK CL A 02079K305 570 389 SH   SOLE   389 0 0
AMAZON COM INC COM 023135106 627 199 SH   SOLE   199 0 0
APPLE INC COM 037833100 3,419 29,578 SH   SOLE   29,578 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 570 4,087 SH   SOLE   4,087 0 0
AUTONATION INC COM 05329W102 361 6,815 SH   SOLE   6,815 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,152 5,414 SH   SOLE   5,414 0 0
BLACKROCK INC COM 09247X101 314 558 SH   SOLE   558 0 0
CHURCHILL DOWNS INC COM 171484108 741 4,526 SH   SOLE   4,526 0 0
CISCO SYS INC COM 17275R102 662 16,832 SH   SOLE   16,832 0 0
COLGATE PALMOLIVE CO COM 194162103 464 6,017 SH   SOLE   6,017 0 0
COSTCO WHSL CORP NEW COM 22160K105 715 2,014 SH   SOLE   2,014 0 0
CVS HEALTH CORP COM 126650100 211 3,635 SH   SOLE   3,635 0 0
DISNEY WALT CO COM DISNEY 254687106 752 6,051 SH   SOLE   6,051 0 0
FACEBOOK INC CL A 30303M102 309 1,178 SH   SOLE   1,178 0 0
HOME DEPOT INC COM 437076102 1,065 3,856 SH   SOLE   3,856 0 0
HONEYWELL INTL INC COM 438516106 720 4,371 SH   SOLE   4,371 0 0
ISHARES INC CORE MSCI EMKT 46434G103 5,371 101,722 SH   SOLE   101,722 0 0
ISHARES TR CORE S&P SCP ETF 464287804 2,200 31,323 SH   SOLE   31,323 0 0
ISHARES TR NATIONAL MUN ETF 464288414 13,928 120,135 SH   SOLE   120,135 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 14,268 223,937 SH   SOLE   223,937 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 12,482 183,170 SH   SOLE   183,170 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 257 1,722 SH   SOLE   1,722 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 11,606 221,599 SH   SOLE   221,599 0 0
ISHARES TR CORE S&P US GWT 464287671 7,372 92,179 SH   SOLE   92,179 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 5,470 52,728 SH   SOLE   52,728 0 0
ISHARES TR CORE S&P500 ETF 464287200 25,757 76,670 SH   SOLE   76,670 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 853 3,932 SH   SOLE   3,932 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 13,055 257,007 SH   SOLE   257,007 0 0
JOHNSON & JOHNSON COM 478160104 1,206 8,116 SH   SOLE   8,116 0 0
JPMORGAN CHASE & CO COM 46625H100 610 6,356 SH   SOLE   6,356 0 0
LOWES COS INC COM 548661107 307 1,852 SH   SOLE   1,852 0 0
MASTERCARD INCORPORATED CL A 57636Q104 685 2,025 SH   SOLE   2,025 0 0
MERCK & CO. INC COM 58933Y105 556 6,707 SH   SOLE   6,707 0 0
MICROSOFT CORP COM 594918104 2,741 13,070 SH   SOLE   13,070 0 0
PEPSICO INC COM 713448108 362 2,614 SH   SOLE   2,614 0 0
PFIZER INC COM 717081103 733 20,029 SH   SOLE   20,029 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,180 10,735 SH   SOLE   10,735 0 0
PROCTER AND GAMBLE CO COM 742718109 1,073 7,734 SH   SOLE   7,734 0 0
SHERWIN WILLIAMS CO COM 824348106 740 1,062 SH   SOLE   1,062 0 0
STARBUCKS CORP COM 855244109 284 3,303 SH   SOLE   3,303 0 0
STOCK YDS BANCORP INC COM 861025104 1,034 30,369 SH   SOLE   30,369 0 0
TRUIST FINL CORP COM 89832Q109 201 5,291 SH   SOLE   5,291 0 0
UNION PAC CORP COM 907818108 852 4,328 SH   SOLE   4,328 0 0
US BANCORP DEL COM NEW 902973304 200 5,625 SH   SOLE   5,625 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 407 2,391 SH   SOLE   2,391 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 244 5,737 SH   SOLE   5,737 0 0