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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106   217,415 991 SH   SOLE   0 0 991
APPLE INC COM 037833100   656,601 2,622 SH   SOLE   0 0 2,622
BOK FINL CORP COM NEW 05561Q201   1,252,810 11,769 SH   SOLE   0 0 11,769
FIFTH THIRD BANCORP COM 316773100   1,151,707 27,240 SH   SOLE   0 0 27,240
ISHARES TR 7-10 YR TRSY BD 464287440   73,593,197 796,032 SH   SOLE   0 0 796,032
ISHARES TR CORE S&P TTL STK 464287150   5,947,646 46,242 SH   SOLE   0 0 46,242
MICROSOFT CORP COM 594918104   582,092 1,381 SH   SOLE   0 0 1,381
NVIDIA CORPORATION COM 67066G104   789,759 5,881 SH   SOLE   0 0 5,881
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,574,718 193,228 SH   SOLE   0 0 193,228
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,783,863 166,690 SH   SOLE   0 0 166,690
SPDR S&P 500 ETF TR TR UNIT 78462F103   236,190 403 SH   SOLE   0 0 403
VANGUARD INDEX FDS TOTAL STK MKT 922908769   113,229,845 390,704 SH   SOLE   0 0 390,704
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   567,933 1,054 SH   SOLE   0 0 1,054
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,964,588 190,987 SH   SOLE   0 0 190,987
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,097,730 35,597 SH   SOLE   0 0 35,597
WESBANCO INC COM 950810101   362,203 11,131 SH   SOLE   0 0 11,131