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 404 2,311 SH   SOLE   2,311 0 0
ABBOTT LABS COM 002824100 338 3,091 SH   SOLE   3,091 0 0
ABBVIE INC COM 00287Y109 454 4,261 SH   SOLE   4,261 0 0
AGENUS INC COM NEW 00847G705 941 296,003 SH   SOLE   296,003 0 0
ALPHABET INC CAP STK CL C 02079K107 491 280 SH   SOLE   280 0 0
ALPHABET INC CAP STK CL A 02079K305 610 348 SH   SOLE   348 0 0
AMAZON COM INC COM 023135106 567 174 SH   SOLE   174 0 0
APPLE INC COM 037833100 3,767 28,359 SH   SOLE   28,359 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 720 4,087 SH   SOLE   4,087 0 0
AUTONATION INC COM 05329W102 476 6,815 SH   SOLE   6,815 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,101 4,754 SH   SOLE   4,754 0 0
BLACKROCK INC COM 09247X101 381 528 SH   SOLE   528 0 0
CHURCHILL DOWNS INC COM 171484108 882 4,526 SH   SOLE   4,526 0 0
CISCO SYS INC COM 17275R102 618 13,824 SH   SOLE   13,824 0 0
COLGATE PALMOLIVE CO COM 194162103 515 6,017 SH   SOLE   6,017 0 0
COSTCO WHSL CORP NEW COM 22160K105 737 1,955 SH   SOLE   1,955 0 0
CVS HEALTH CORP COM 126650100 248 3,635 SH   SOLE   3,635 0 0
DISNEY WALT CO COM 254687106 1,057 5,833 SH   SOLE   5,833 0 0
FACEBOOK INC CL A 30303M102 271 991 SH   SOLE   991 0 0
HOME DEPOT INC COM 437076102 1,016 3,826 SH   SOLE   3,826 0 0
HONEYWELL INTL INC COM 438516106 925 4,348 SH   SOLE   4,348 0 0
ISHARES INC CORE MSCI EMKT 46434G103 6,647 107,139 SH   SOLE   107,139 0 0
ISHARES TR CORE S&P US GWT 464287671 8,307 93,664 SH   SOLE   93,664 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 6,708 57,738 SH   SOLE   57,738 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 11,803 225,362 SH   SOLE   225,362 0 0
ISHARES TR MSCI EAFE ETF 464287465 228 3,120 SH   SOLE   3,120 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,133 34,086 SH   SOLE   34,086 0 0
ISHARES TR CORE S&P500 ETF 464287200 30,284 80,699 SH   SOLE   80,699 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 291 1,482 SH   SOLE   1,482 0 0
ISHARES TR NATIONAL MUN ETF 464288414 16,075 137,157 SH   SOLE   137,157 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 15,050 221,793 SH   SOLE   221,793 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 912 3,784 SH   SOLE   3,784 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 13,380 182,215 SH   SOLE   182,215 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 24,015 472,836 SH   SOLE   472,836 0 0
JOHNSON & JOHNSON COM 478160104 1,179 7,501 SH   SOLE   7,501 0 0
JPMORGAN CHASE & CO COM 46625H100 804 6,347 SH   SOLE   6,347 0 0
LOWES COS INC COM 548661107 293 1,828 SH   SOLE   1,828 0 0
MASTERCARD INCORPORATED CL A 57636Q104 719 2,015 SH   SOLE   2,015 0 0
MERCK & CO. INC COM 58933Y105 489 5,972 SH   SOLE   5,972 0 0
MICROSOFT CORP COM 594918104 2,894 13,021 SH   SOLE   13,021 0 0
PEPSICO INC COM 713448108 388 2,614 SH   SOLE   2,614 0 0
PFIZER INC COM 717081103 700 19,017 SH   SOLE   19,017 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,600 10,735 SH   SOLE   10,735 0 0
PROCTER AND GAMBLE CO COM 742718109 1,064 7,658 SH   SOLE   7,658 0 0
SHERWIN WILLIAMS CO COM 824348106 780 1,062 SH   SOLE   1,062 0 0
STARBUCKS CORP COM 855244109 301 2,815 SH   SOLE   2,815 0 0
STOCK YDS BANCORP INC COM 861025104 1,229 30,369 SH   SOLE   30,369 0 0
TRUIST FINL CORP COM 89832Q109 254 5,291 SH   SOLE   5,291 0 0
UNION PAC CORP COM 907818108 870 4,183 SH   SOLE   4,183 0 0
US BANCORP DEL COM NEW 902973304 257 5,546 SH   SOLE   5,546 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 761 3,908 SH   SOLE   3,908 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 264 5,250 SH   SOLE   5,250 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 257 1,821 SH   SOLE   1,821 0 0