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 393 2,242 SH   SOLE   393 0 0
ABBOTT LABS COM 002824100 364 3,079 SH   SOLE   364 0 0
ABBVIE INC COM 00287Y109 458 4,243 SH   SOLE   458 0 0
AGENUS INC COM NEW 00847G705 820 156,123 SH   SOLE   820 0 0
ALPHABET INC CAP STK CL A 02079K305 874 327 SH   SOLE   874 0 0
ALPHABET INC CAP STK CL C 02079K107 773 290 SH   SOLE   773 0 0
AMAZON COM INC COM 023135106 562 171 SH   SOLE   562 0 0
APPLE INC COM 037833100 3,599 25,438 SH   SOLE   3,599 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 743 3,715 SH   SOLE   743 0 0
AUTONATION INC COM 05329W102 1,031 8,469 SH   SOLE   1,031 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,224 4,485 SH   SOLE   1,224 0 0
BLACKROCK INC COM 09247X101 428 510 SH   SOLE   428 0 0
CHURCHILL DOWNS INC COM 171484108 1,225 5,103 SH   SOLE   1,225 0 0
CISCO SYS INC COM 17275R102 637 11,695 SH   SOLE   637 0 0
COLGATE PALMOLIVE CO COM 194162103 454 6,002 SH   SOLE   454 0 0
COSTCO WHSL CORP NEW COM 22160K105 878 1,955 SH   SOLE   878 0 0
CVS HEALTH CORP COM 126650100 308 3,635 SH   SOLE   308 0 0
DISNEY WALT CO COM 254687106 955 5,646 SH   SOLE   955 0 0
FACEBOOK INC CL A 30303M102 344 1,015 SH   SOLE   344 0 0
HOME DEPOT INC COM 437076102 1,252 3,814 SH   SOLE   1,252 0 0
HONEYWELL INTL INC COM 438516106 869 4,095 SH   SOLE   869 0 0
ISHARES INC CORE MSCI EMKT 46434G103 9,260 149,941 SH   SOLE   9,260 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 653 2,384 SH   SOLE   653 0 0
ISHARES TR CORE MSCI EAFE 46432F842 21,101 284,183 SH   SOLE   21,101 0 0
ISHARES TR MSCI USA VALUE 46432F388 6,457 64,120 SH   SOLE   6,457 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 268 1,226 SH   SOLE   268 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,493 68,627 SH   SOLE   7,493 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 6,138 83,513 SH   SOLE   6,138 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 9,128 92,705 SH   SOLE   9,128 0 0
ISHARES TR TIPS BD ETF 464287176 1,318 10,324 SH   SOLE   1,318 0 0
ISHARES TR GLOBAL FINLS ETF 464287333 2,943 37,512 SH   SOLE   2,943 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 882 7,656 SH   SOLE   882 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 10,183 77,305 SH   SOLE   10,183 0 0
ISHARES TR CORE S&P US GWT 464287671 4,948 48,314 SH   SOLE   4,948 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 2,145 28,476 SH   SOLE   2,145 0 0
ISHARES TR MSCI EAFE ETF 464287465 243 3,120 SH   SOLE   243 0 0
ISHARES TR CR 5 10 YR ETF 46435G417 3,407 66,604 SH   SOLE   3,407 0 0
ISHARES TR NATIONAL MUN ETF 464288414 15,584 134,150 SH   SOLE   15,584 0 0
ISHARES TR MSCI USA MMENTM 46432F396 798 4,543 SH   SOLE   798 0 0
ISHARES TR GLOBAL TECH ETF 464287291 1,708 30,143 SH   SOLE   1,708 0 0
ISHARES TR U.S. MED DVC ETF 464288810 1,117 17,792 SH   SOLE   1,117 0 0
ISHARES TR 20 YR TR BD ETF 464287432 1,195 8,280 SH   SOLE   1,195 0 0
ISHARES TR CORE S&P500 ETF 464287200 41,003 95,174 SH   SOLE   41,003 0 0
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 6,558 129,296 SH   SOLE   6,558 0 0
JOHNSON & JOHNSON COM 478160104 1,083 6,705 SH   SOLE   1,083 0 0
JPMORGAN CHASE & CO COM 46625H100 986 6,022 SH   SOLE   986 0 0
LILLY ELI & CO COM 532457108 220 952 SH   SOLE   220 0 0
LOWES COS INC COM 548661107 360 1,773 SH   SOLE   360 0 0
MASTERCARD INCORPORATED CL A 57636Q104 682 1,961 SH   SOLE   682 0 0
MERCK & CO INC COM 58933Y105 369 4,907 SH   SOLE   369 0 0
MICROSOFT CORP COM 594918104 3,479 12,339 SH   SOLE   3,479 0 0
PEPSICO INC COM 713448108 361 2,398 SH   SOLE   361 0 0
PFIZER INC COM 717081103 692 16,098 SH   SOLE   692 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,529 7,815 SH   SOLE   1,529 0 0
PROCTER AND GAMBLE CO COM 742718109 1,016 7,266 SH   SOLE   1,016 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,835 35,234 SH   SOLE   1,835 0 0
SHERWIN WILLIAMS CO COM 824348106 867 3,101 SH   SOLE   867 0 0
STARBUCKS CORP COM 855244109 303 2,745 SH   SOLE   303 0 0
STOCK YDS BANCORP INC COM 861025104 1,432 24,419 SH   SOLE   1,432 0 0
TRUIST FINL CORP COM 89832Q109 252 4,291 SH   SOLE   252 0 0
UNION PAC CORP COM 907818108 750 3,828 SH   SOLE   750 0 0
US BANCORP DEL COM NEW 902973304 273 4,598 SH   SOLE   273 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 706 3,178 SH   SOLE   706 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 263 5,251 SH   SOLE   263 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 200 2,968 SH   SOLE   200 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 280 1,821 SH   SOLE   280 0 0
WATERS CORP COM 941848103 268 750 SH   SOLE   268 0 0