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
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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   226,410 1,032 SH   SOLE   0 0 1,032
APPLE INC COM 037833100   539,187 2,628 SH   SOLE   0 0 2,628
BOK FINL CORP COM NEW 05561Q201   1,149,007 11,769 SH   SOLE   0 0 11,769
FIFTH THIRD BANCORP COM 316773100   1,035,036 25,165 SH   SOLE   0 0 25,165
ISHARES TR 7-10 YR TRSY BD 464287440   78,779,389 822,589 SH   SOLE   0 0 822,589
ISHARES TR CORE S&P TTL STK 464287150   7,898,490 58,490 SH   SOLE   0 0 58,490
MICROSOFT CORP COM 594918104   675,980 1,359 SH   SOLE   0 0 1,359
NVIDIA CORPORATION COM 67066G104   929,139 5,881 SH   SOLE   0 0 5,881
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   3,925,977 177,646 SH   SOLE   0 0 177,646
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   3,789,756 159,033 SH   SOLE   0 0 159,033
SPDR S&P 500 ETF TR TR UNIT 78462F103   248,994 403 SH   SOLE   0 0 403
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   779,386 1,372 SH   SOLE   0 0 1,372
VANGUARD INDEX FDS TOTAL STK MKT 922908769   116,401,453 382,988 SH   SOLE   0 0 382,988
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   13,673,391 203,413 SH   SOLE   0 0 203,413
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,391,449 34,614 SH   SOLE   0 0 34,614
WESBANCO INC COM 950810101   352,295 11,138 SH   SOLE   0 0 11,138